Shopping Cart
Your Cart is Empty
Quantity:
Subtotal
Taxes
Shipping
Total
There was an error with PayPalClick here to try again
CelebrateThank you for your business!You should be receiving an order confirmation from Paypal shortly.Exit Shopping Cart

geld is een middel, geen doel

Blog

Blog

Notaris: Banken star bij extra aflossen uit ruimere schenkingsregeling

Posted on August 19, 2014 at 2:25 AM

 

Vrijdag 15 augustus zaten Rob Dorscheidt en ik bij de notaris. Om de stichting Geldbelangen op te richten. Daar vertellen we later nog wel een keer meer over. Gelukkig hadden we een notaris die er nog wat aan wilde toevoegen. Niet even een snelle actie. En toen hij zag waar wij ons mee me bezig willen gaan houden kwam hij spontaan over de brug met een kwalificatie over banken, die ik hier niet eens durf te herhalen…

 

Waar ging het om. De huizenmarkt is de afgelopen tijd behoorlijk in elkaar gedonderd. Goed, er is weer een herstel aan de horizon, maar toch zitten veel mensen nog met een hypotheek die hoger is dan de waarde van het huis. Dat maakt het lastig verkopen. Zeker als je huis uit  moet (scheiding, werkloos worden, ziek zijn, verhuizen voor ander werk, you name it). Dan zit je met een niet gedekte restschuld. Dus een 'onderwaarde' aanhouden (schuld is hoger dan de waarde van de woning) is niet handig. Een lagere schuld ten opzichte van het onderpand is nog beter.

 

Mede om dat op te lossen heeft de overheid de schenkinsgvrijstelling voor mensen die dat gebruiken voor de eigen woning tijdelijk verruimd. Gebruikt de ontvanger het geld om extra af te lossen dan is er geen schenkbelasting verschuldigd.


Waar de notaris zich erg boos over maakte was het feit dat banken en andere geldgevers in dát geval op hun strepen blijven staan en gewoon boetes in rekening brengen. “De regering neemt zo’n maatregel niet voor niets” zei hij. “Er is een maatschappelijk probleem en daar draagt de overheid een stuk aan bij om dat op te lossen. Maar banken lijken niet te zien dat het wel aardig zou zijn als ook zij een steentje er aan bijdragen. Overigens: als mensen de ‘onderwaarde’ aflossen krijgen die banken ook een veel minder risicovolle hypotheekportefeuille. Maar toch, ze doen het niet, de …. (piep).”


Wie wat sites van banken bekijkt ziet dat zij (extra) aflossen daar wel noemen. Soms ook wel mondjesmaat inspelend op de regeling. Maar er voluit voor gaan?

Welke bank gaat er adverteren met: “De druk van de hypotheek op uw woonhuis wegnemen? Kom eens langs voor een gesprek”? En dat de klant dan vervolgens een voorstel krijgt om de hypotheek boetevrij fors te verlagen; tot bijvoorbeeld 70% of 75% van de executiewaarde. Daardoor kan ook nog eens de rente-opslag voor de tophypotheek verdwijnen.

Ik hoor de CEO en zijn collega’s al brommen: “Wat? Een deel van onze vaste inkomsten weg geven? En nog boetevrij ook? Wij zijn gekke henkie niet…” Nee klopt, maar wel een maatschappelijke instelling!

 

Ik wordt steeds benieuwder naar het maatschappelijk statuut van de NVB straks. Wordt het echt een statement waarop banken afgerekend kunnen worden? Of toch alleen maar windowdressing?

 

Categories: Consumentenbelangen, Banken

Post a Comment

Oops!

Oops, you forgot something.

Oops!

The words you entered did not match the given text. Please try again.

9741 Comments

Reply kobe sneakers
10:45 PM on May 13, 2022 
Thanks for your own efforts on this web site. My daughter takes pleasure in setting aside time for internet research and it's obvious why. We know all about the compelling form you produce very helpful strategies via the website and attract contribution from the others on this article plus my girl is without a doubt discovering so much. Take advantage of the rest of the year. You have been conducting a good job.
kobe sneakers http://www.kobesneakers.com
Reply nike off whtie
10:44 PM on May 13, 2022 
Thank you for all your labor on this site. My daughter really loves getting into research and it's easy to see why. We hear all about the powerful medium you produce powerful items via your blog and as well increase participation from visitors on this subject matter plus our own princess is undoubtedly understanding a lot. Enjoy the remaining portion of the new year. You are performing a pretty cool job.
nike off whtie http://www.nikexoffwhite.com
Reply moncler
10:44 PM on May 13, 2022 
I have to show some appreciation to the writer for bailing me out of this predicament. After browsing throughout the internet and finding solutions which were not beneficial, I assumed my life was well over. Living devoid of the strategies to the issues you have resolved through your article is a serious case, as well as those that might have badly affected my entire career if I hadn't noticed your blog post. That expertise and kindness in controlling every aspect was vital. I am not sure what I would've done if I had not encountered such a step like this. I am able to at this moment look ahead to my future. Thanks a lot very much for this reliable and effective guide. I will not hesitate to endorse your web blog to anybody who would like direction on this subject matter.
moncler http://www.monclersoutletstore.com
Reply goyard
10:43 PM on May 13, 2022 
I want to get across my gratitude for your kind-heartedness giving support to folks who should have assistance with that theme. Your very own commitment to passing the solution up and down was exceedingly informative and have frequently made many people just like me to reach their desired goals. Your personal important advice means much to me and still more to my peers. Regards; from each one of us.
goyard http://www.goyardshandbag.com
Reply supreme clothing
10:42 PM on May 13, 2022 
I have to get across my appreciation for your kindness in support of those individuals that absolutely need help with this particular issue. Your special commitment to passing the solution around has been definitely practical and have usually empowered associates just like me to achieve their aims. Your own insightful suggestions can mean much to me and further more to my office colleagues. Many thanks; from each one of us.
supreme clothing http://www.supremeclothingsstore.com
Reply Ivyduh
10:16 PM on May 13, 2022 
url=http://buyantibiotics.shop/ says...
azithromycin 500 mg cost in australia
Reply Sueduh
9:07 PM on May 13, 2022 
url=http://finasteride.works/ says...
propecia cost comparison uk
Reply supreme hoodie
8:26 PM on May 13, 2022 
I not to mention my buddies were found to be checking out the good procedures found on your website while the sudden developed a terrible feeling I never expressed respect to the web blog owner for those techniques. All the guys happened to be joyful to read through them and have now certainly been taking advantage of these things. Appreciation for really being really accommodating and also for picking out such important useful guides millions of individuals are really eager to learn about. My personal sincere apologies for not expressing appreciation to you earlier.
supreme hoodie http://www.supreme-clothings.us.com
Reply pg shoes
6:07 PM on May 13, 2022 
I really wanted to construct a small message to express gratitude to you for these marvelous steps you are writing at this website. My time intensive internet lookup has at the end been recognized with pleasant concept to talk about with my companions. I 'd believe that most of us site visitors are unequivocally endowed to dwell in a fabulous network with very many special individuals with very helpful basics. I feel truly grateful to have encountered the website page and look forward to so many more fabulous minutes reading here. Thank you once again for a lot of things.
pg shoes http://www.paulgeorgeshoes.us.com
Reply hermes birkin bag
11:15 AM on May 13, 2022 
I am just commenting to make you know of the remarkable discovery my wife's daughter undergone studying your webblog. She discovered plenty of pieces, with the inclusion of what it is like to possess a very effective helping nature to let many more effortlessly grasp selected complex subject matter. You undoubtedly surpassed our own expected results. Thank you for coming up with those effective, dependable, edifying and even easy tips about the topic to Emily.
hermes birkin bag http://www.hermesbirkins.com
Reply kyrie 7
11:15 AM on May 13, 2022 
I just wanted to make a quick message to be able to appreciate you for the marvelous tricks you are sharing on this site. My time-consuming internet look up has at the end been honored with professional details to talk about with my great friends. I 'd point out that many of us visitors are undoubtedly blessed to exist in a magnificent site with very many wonderful professionals with valuable strategies. I feel quite fortunate to have used the site and look forward to plenty of more enjoyable times reading here. Thanks again for everything.
kyrie 7 http://www.kyrie-7.com
Reply golden goose
11:15 AM on May 13, 2022 
A lot of thanks for your whole efforts on this web page. Betty takes pleasure in setting aside time for internet research and it's really obvious why. I learn all relating to the lively mode you provide good tips on this web blog and invigorate contribution from other individuals on the area of interest plus my daughter is really learning a great deal. Enjoy the rest of the new year. You are doing a useful job.
golden goose http://www.goldengooseofficial.com
Reply hermes birkin
11:15 AM on May 13, 2022 
I must express some thanks to the writer for rescuing me from this type of issue. Because of searching throughout the search engines and seeing advice which are not pleasant, I believed my life was done. Living devoid of the solutions to the difficulties you've sorted out all through this posting is a critical case, and ones which could have in a negative way affected my entire career if I had not encountered your website. Your main training and kindness in maneuvering every item was valuable. I don't know what I would've done if I hadn't come upon such a stuff like this. I can at this time relish my future. Thanks so much for your expert and results-oriented guide. I won't hesitate to endorse the website to any individual who needs assistance about this subject matter.
hermes birkin http://www.hermesbirkinbags.us.com
Reply kd 12
11:15 AM on May 13, 2022 
I would like to point out my admiration for your generosity supporting those individuals that really want help on the issue. Your personal commitment to getting the message all over appeared to be particularly advantageous and have allowed folks much like me to achieve their endeavors. Your amazing useful tips and hints means this much a person like me and even more to my mates. Thank you; from all of us.
kd 12 http://www.kd12.org
Reply yeezy
11:15 AM on May 13, 2022 
Thanks for your own hard work on this blog. Gloria enjoys participating in internet research and it is easy to see why. I hear all regarding the dynamic method you offer informative tricks through your blog and even boost response from other individuals on this matter then our own simple princess is now discovering a lot. Have fun with the rest of the new year. You are always performing a remarkable job.
yeezy http://www.yeezysadidas.us
Reply kd 12
11:15 AM on May 13, 2022 
I want to show my passion for your kindness in support of folks who require assistance with that idea. Your personal commitment to passing the solution throughout was especially practical and have always encouraged individuals just like me to attain their dreams. Your own informative useful information signifies so much a person like me and even more to my fellow workers. Regards; from all of us.
kd 12 http://www.kd12.us.com
Reply cheap jordans
11:14 AM on May 13, 2022 
I must show some appreciation to you just for rescuing me from such a setting. As a result of researching through the world-wide-web and getting notions which were not pleasant, I assumed my entire life was over. Being alive minus the strategies to the problems you've solved all through your post is a crucial case, as well as the kind which may have in a negative way damaged my career if I had not noticed your web page. That know-how and kindness in handling all the stuff was precious. I don't know what I would have done if I hadn't encountered such a thing like this. I can now look ahead to my future. Thanks very much for this specialized and amazing help. I won't think twice to propose your web page to anybody who should receive guide about this subject.
cheap jordans http://www.retro-jordans.us.com
Reply jordan shoes
11:14 AM on May 13, 2022 
Thanks so much for giving everyone such a pleasant chance to read in detail from this website. It's usually very sweet and packed with amusement for me and my office peers to visit your blog nearly thrice a week to read through the fresh stuff you have. Of course, I am also certainly amazed with the outstanding points you serve. Some 1 facts on this page are honestly the most efficient we have ever had.
jordan shoes http://www.jordanstoreonline.com
Reply kyrie 7
11:13 AM on May 13, 2022 
Thank you for all your valuable work on this site. My mum delights in participating in investigations and it is easy to see why. A lot of people hear all about the compelling means you provide very important guidance via your web blog and as well boost contribution from some other people on that concern and our favorite girl is actually starting to learn a lot. Take advantage of the rest of the year. You have been doing a fabulous job.
kyrie 7 http://www.kyrie7.us