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A blacklist for borrowing money is a negative BKR report

 

Is there a blacklist?

Is there a blacklist?

Is there a blacklist on which people can end up and thus not get a loan? The answer is no. In the Netherlands, the Credit Registration Office (BKR) keeps track of the loans that have been lent. The data on these loans comes from the banks and financial service providers who must legally consult the BKR if they want to provide a loan.

Negative BKR listing

Negative BKR listing

If people get a payment arrears or catch up with this debt, a code is put behind the loan. This listing is also referred to as negative bkr. There are also codes for payment schemes or remissions. Someone who has such a negative bkr often has difficulty borrowing money. Certainly because this negative statement remains in the BKR system for five years after the loan has been paid. Sometimes you cannot get credit for years because of a small unpaid bill from a mail order company or telephone bill.

Black list and still borrowing

Black list and still borrowing

It is not a blacklist that is the reason why you cannot get a loan, but a negative entry in the database of the Credit Registration Office. Because of this mention it is often not possible to borrow money. If you still need money urgently in the short term, a mini loan can offer a solution. Mini loans are small loans between 100 and 800 euros. The providers of the mini-credit have (also) an office abroad (England, Malta). As a result, they do not have to check the mini loan with the BKR, but make an assessment of the risks themselves if the customer can carry the loan. If you are a regular customer, a mini-loan can already be on the bank account the same day.

Remove blacklist entry

Remove blacklist entry

If people cannot get a loan, a blacklist is not responsible for this, but probably a negative BKR statement. There are various websites on the internet that offer to remove this negative bkr against payment. Unfortunately, this is less easy than is suggested. At the BKR, anyone can request a print-out of their status. In this way it is possible to find out whether a negative BKR is the reason that you cannot get a loan. The request only costs 5 euros on the official website of the BKR. If a negative entry is found and you find this wrong then you can take action. You then ask the company that gave this listing (a bank, mail order company, store) if they want to remove it. If they do not do this, you can go to the Disputes Committee as a final step for a final judgment.

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Which changes should private investors take into account in 2018? | The Borrowers

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Now that 2018 has started and the New Year letters have been put away again, we are considering the changes that you as a private investor must take into account in the new year.

More than 500,000 euros in your trading account? 0.15% tax

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The summer agreement introduces a securities tax of 0.15% off all securities accounts with more than 500,000 euros from this year. The government wants to raise 254 million with this.

Specifically: those who have 499,999 euros pay nothing. If you have more than 500,000 euros, you pay 0.15 percent of the full amount, not just the amount above 500,000. The tax only applies to private investors, not to companies with securities accounts.

The total sum includes listed and unlisted shares or bonds, savings certificates, investment funds and warrants. Banks will have to determine the value of the account on a monthly basis and investors will pay tax on the average value on an annual basis. Good to know: pension savings funds and branch 23 are examples, as are registered shares and cooperative shares.

For capitalization funds

For capitalization funds

The threshold is raised from 25% to 10% for investment in bonds. This means that 30% withholding tax will be due on the capital gains of funds that invest more than 10% in debt securities.

There will also be a standardization for common funds or funds for funds. In the future, they will also be subject to withholding tax.

The summer agreement introduces a securities tax of 0.15% off all securities accounts with more than 500,000 euros from this year.

Higher stock market tax

Higher stock market tax

Every time you sell or buy shares and bonds, you will pay a higher tax on that from 2018:

  • shares: 0.35% (was 0.27% – ceiling of 1600 euros)
  • bonds: 0.12% (was 0.09% – ceiling of 1300 euros)

For capitalization funds nothing changes: here the rate remains 1.32% with a maximum of 4000 euros.

New rules savings account

The interest on a savings account is no longer up to 1880 euros, but up to 960 euros. This benefit applies per person – for a joint account, the upper limit is therefore 1920 euros. Everything above is subject to a withholding tax of 15%. This amount is withheld by your bank.

Maximum amount for pension savers

Maximum amount for pension savers

Keep in mind that for amounts between 960 and 1230 euros you do not enjoy a tax benefit of 30%, but 25%. This applies to the full sum. The percentage is therefore calculated on the full amount, not just on the amount above 960 euros. In practice, this means that with 960 euros you get a reduction of 288 euros, and with a deposit of 1100 euros, for example, only 275 euros. So make the calculation when determining your maximum amount.