Declaration away from debt to possess a home loan software

Declaration away from debt to possess a home loan software

To find out just how much you borrowed from, check 'Mijn schulden’ when you look at the Mijn DUO. You’ll find announcements regarding your loans lower than ‘Mijn berichten’. These could be published away. If you need an announcement of loans to have a home loan software otherwise taxation get back, oftentimes all the information inside Mijn DUO is sufficient.

In the Netherlands, the beginner obligations otherwise lifelong learning borrowing try considered whenever calculating simply how much you can use having a mortgage. Most lenders for this reason need proof of so it – especially, the amount of your brand new obligations. DUO keeps concurred with loan providers that one may render you to proof by the entry the notice granted at the beginning of their payment stage, claiming simply how much you ought to pay back per month. You can find it notification during the Mijn DUO, lower than ‘Mijn berichten’.

Which alerts you ought to fill in is dependent on in the event the payment phase began. If that was prior to 2017, then you certainly gotten brand new notice in January of the season within the and this your payment phase been. If this are during or immediately following 2017, you gotten it 8 weeks before the start of the cost stage. That’s constantly from inside the Oct or November. Are you presently paying off an effective lifelong studying credit? Your gotten brand new notification within the January, adopting the stop of one’s lifelong studying borrowing from the bank.

If you’re unable to discover alerts during the Mijn DUO, you might consult a copy having fun with our on the internet contact form. You’ll located this because of the blog post in this 2 weeks.

Extra costs

Have you ever produced voluntary extra money? Either, mortgage business take this into account whenever figuring simply how much your normally borrow. Such, whilst have shorter their remaining monthly instalments or since you have cleared the debt totally. Given that evidence, you can use the brand new confirmation your gotten even as we canned your own volunteer payment. Or perhaps the notification claiming your smaller month-to-month instalment. For many who paid down of the better, you ought to discovered that it contained in this step 3 business days. If not, it requires up to 2 weeks.

If you want a outlined declaration out-of personal debt, we could age-post it for your requirements toward demand. However, this might be simply it is possible to if you have registered a legitimate e-post address for the Mijn DUO. To safeguard your own privacy, we can not age-post announcements, messages or other files. Including, their request must are from the newest age-send target joined for the Mijn DUO.

To request a full statement out-of financial obligation, use our on the internet contact form. Dependant on your role, you’ll have the after the suggestions:

  • your own brand new financial obligation equilibrium at the start of the fees stage.
  • your current personal debt balance, along with attention accumulated.
  • your current interest and its particular age validity.
  • the newest amounts of any additional costs generated as well as their worthy of dates.
  • the old and you can brand new month-to-month instalments, in addition to their starting schedules.
  • the remaining title of your obligations.
  • confirmation off full cost.

Yearly statement for Dutch income tax government

Quite often, you do not need to help you claim your the student debt when filing a taxation come back regarding the Netherlands. Hence, we really do not give you an annual report given that fundamental. When you do wish to know your existing debt balance, you will find they from inside the Mijn DUO lower than ‘Mijn schulden’. And you can around ‘Schuldhistorie’ there can be the brand new wide variety you owed with the 29 December regarding early in the day age.

Is it possible you live-in new Dutch Caribbean? While having you repaid the college student financial obligation? You will discover a yearly declaration.

  • the total amount outstanding is more than € step three,200 if you’re single or more than € 6,eight hundred when you yourself have someone, and you may
  • your property inside the Package step 3 (coupons and you can investments) go beyond the fresh new different endurance. In the 2021 that’s € fifty,000 to own unmarried persons otherwise € one hundred,one hundred thousand to have couples, for the source time are .

You don’t need to county your own beginner money due to the fact earnings when you document a taxation come back. We are able to, yet not, deliver a trains and buses statement if you like they getting their statement.

When you find yourself incapable of sign in Mijn DUO, use the on line contact form instead to inquire about for your annual declaration.

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