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4月15日 anzi no!... ho cambiato idea in pochi minuti! Mi è bastato pensare al trasparente governo Balkenende, alla Verdonk e al dibattito parlamentare "pro forma" di questo paese basso.
E poi, adesso che mister B. è presidente, salterà fuori la cordata e salveremo la compagnia di bandiera. No come loro....
E poi chissà, magari la prossima volta che vado giù vengo in treno...passando per il Ponte sullo stretto...solo 48 ore di viaggio...
46 se fanno l'alta velocità!
Mi resta solo il sarcasmo!! Cambio cittadinanza!Mai come oggi ho preso sul serio la possibilità di abbandonare la cittadinanza italiana e prendere quella olandese!
4月10日 The basic dutch vocabulary for buying a houseThis blog entry will be very long, but I decided to post it anyway for two reasons:
1. I think it is very usefull.
2. a long post will finally stop the bore of the italian election topic
During the long proces to buy a house in the Netherland I wen across to a lot of words
I had big trouble understanding. Sometime you need a bit more explanation than a simple translation; let's not forget that I had
never bought a house before anywhere!! So I'm very glad and thankfull to Mel who edited this great document:
(post in inglese per ovvie ragioni!) Aflossingsvrije Hypotheek = Grace mortgage
The grace mortgage offers the possibility just of relaying at the end of the duration or at sale of your house. During the duration of the mortgage interest is only paid. The advantage is that it is profited because of this of a constant high interest calculation. At this form you must realise however that you live in principle "your complete" to the debt are stuck. In any case to sale from the woonhuis or up to the moment on which you have in a different way capacity to relay the debt. However an important condition has been linked to the grace mortgage: because the money supplier wants be certain that the amount required for the relay is, however, paid, the value of the house must be a piece higher than the mortgage amount which you lend. In most of the cases this amount at the most 75% of the executiewaarde - that is the value in case of obliged sale - of the house amounted to.
Aflossingsvrije lening = Grace loan
You only pay interest, the relay is at the end of the duration.
Depreciation
Accounting processing of depreciation of capital goods.
Annuïteitenhypotheek
A mortgage loan where is paid periodically, generally monthly, by the mortgage donor (the customer) to the hypotheeknemer (the bank) a fixed amount. That fixed amount exists partly from interest compensation, the other part is used for relay. At the beginning of the duration the aflossingsdeel low and it (for the tax deductible) are rentedeel high. To the end this proportion is the other way around. Because of this the net month charge (after tax calculation of the interest) increases during the duration of the loan.
Annuïteitenschema
relay diagram where you pay as much monthly and where the remainder debt in the beginning only lift decreases and at the end of the duration correctly complete rapidly. See also ' annuïteitenhypotheek '.
Automatic incasso
Authorisation which you grant to a company or service provider to receive a chargeable amount automatically of your account. Read also everything concerning automatic incasso.
B bankhypotheek = bank mortgage
Of a mortgage an authenticated deed must be drawn up. There are two registration forms: the bank mortgage and the mortgage with fixed registration. At a bank mortgage the mortgage registration remains during the whole duration of the mortgage right to the agreed amount. During the duration of the mortgage the effective debt by regular and extra relays lower are than this registration. As long as the mortgage remains below this amount, the kredietnemer do not need to its notary if he wants raise the mortgage. The certificate offers still sufficient space. The bank mortgage is nowadays by far the most used inschrijvingsvorm.
Belastbaar inkomen = Taxable entering
That part of your income that by the tax authority is charged.
Beleggingshypotheek = placement mortgage
At these hypotheekvorm you combine a grace loan with a placement account. By means of this account you convene in impact. At impact you must think especially of placement funds, but that is not strict necessary. The required amount can to build the capital you at the start of the mortgage in one time into the account deposit. Also you can buy (for example monthly) impact periodically, or let follow a high commencement discharge by lower periodic discharges. With the value of the impact the debt can be relayed in the long run. At the placement mortgage death risk has not been covered automatically. If you put then price or as a money donor that requires you a separate death risk insurance must conclude.
Beleggingsinstituut = Investment institution
Institution which manages a pot with money which is raised by participants, and which convenes this money in accordance with a certain objective.
Beleggingsverzekeringshypotheek = placement insurance mortgage
The placement insurance mortgage is levenhypotheek, with all tax conditions which hear thereby. You close a capital insurance beside the mortgage. A part of the premium is used for cover of death risk and the costs. The other part of the premium is convened in placement funds which the insurer offers. As the insurance to benefit, can with that the debt comes be relayed. The tax conditions for this form are the same as at other levenhypotheken.
Betaalcapaciteit
relay capacity. Income minus expenditure (all fixed charges and costs for maintenance).
BKR test
At the office the money donor information asks to credit recording (BKR) in Tiel if you have loans still other. You have for example ever had (large) an arrear, then one can refuse you a loan.
Boeterente bij hypotheken = fine interest at mortgages
Costs which you must pay if you relay a loan with fixed interest advanced. In the case of variable interest are you never fine chargeable. You must fine also no pay if you want relay the moment the interest-fixed expires period. The same applies such as at that moment the day interest higher lies than the contract interest, at sale of the house (some a money donor excluded), at executie of the house (forced sale on a sale by auction) if that not the consequence is of verwijtbaar actions of your side, at perishing the onderpand (for example by fire), at benefit of a death risk insurance. If the mortgage interest is fiscally deductible, applies that also for the fine interest which you are charged.
Boetevrij deel/part
A percentage of the original loan, depending on of the money donor diverse of to 20% 10 of the original principal sum of the mortgage, which annual boetevrij can be relayed. If you use a year none of this possibility cannot you the onbenutte part take along to a next year.
Bruto Maandlasten = Gross month charges
The month charges of your mortgage where has not been taken into account still the tax deductibility of the mortgage interest.
Bruto rendement = Gross output
Is important at mortgage forms where the capital is built by means of a capital insurance or by means of placements. This percentage is important at calculating the required premium for the capital insurance or the required inleg on a placement account in the case of a placement mortgage. Until recently many proposers went of it from that to the placements minimum a net output of 8% would produce; there the costs are within the placement funds already as from. Nowadays proposers serve and consultants no longer with a net output count, but with gross an output. This is therefore for calculation of the costs within the placement funds. This makes these mortgage forms improves similar. Nowadays the commission agent and/or insurer counts generally with 8% gross. That provides higher month charges on then 8% net, but also a higher benefit on the termination date.
C combination mortgage =combinatie hypotheek
At the combination mortgage there talk of a mengvorm, where several mortgage forms are combined with each other to come to real a tailor-made job, is. Dependent on the personal financial situation and the specific wishes it is stipulated if a combination mortgage is an interesting option.
Contante waarde van het renteverschil = Cash value of the interest difference
At mortgages the fine to pay at advanced relay by means of the cash value of the interest difference is generally calculated, kortweg cash value called. Couple you have a mortgage of?100.000. your interest period run years still three and the contract interest amounts to 8%. you pays years therefore still three?8000 to interest, in sum?24.000. now you relay your mortgage in one time. The bank gets then a large amount in hands that can be turned off against the day interest then applying. If that interest lies however lower than 8%, the bank loses interest income. For this reason it is calculated how loss is. That amount - the cash value - charges the money donor you. How larger the difference between the contract interest and the day interest, all the higher the fine.
Contract interest
Interest which you have corresponded to the money donor.
D dag interest
Interest which applies to new loans, where is not taken into account possible discounts which you or your commission agent weet to stipulate.
E effective interest
output figure where is only looked at to the interest and the remaining costs (for example tax authority and insurance) outside consideration to remain. At the effective interest then particularly the commission and the betaalfrequentie (per month or per trimester) play a role. See also ` net effective output.
Effective interest (percentage) on an annual basis = effectieve rente (percentage) op jaarbasis
Effective interest calculated on an annual basis.
Eigenwoningreserve
Equal to the turnover of the house at sale minus then the resting mortgage (as far as the interest is about this fiscally deductible) and minus the sale costs are. You are considered this commitment amount at purchase of the new house. You do not do this (or not entirely) then are the interest concerning the corresponding part of the mortgage not fiscally deductible. The eigenwoningreserve expire after 5 years or if you die.
Eigenwoningforfait The amount which you must add to your income on if you have his own house that you to main residence serves. The eigenwoningforfait is in fact therefore a standardised amount for hiring which you could get the costs, charges and depreciation for your house, minus. All this moreover exclusively interest and costs of loans. The eigenwoningforfait amounts to for most of the houses 0.6% of Woz-waarde.
Erfpachtcanon = Ground rent
Periodic (for example annual) cost of the long lease.
Executiewaarde
Value which produces a house at obliged sale. Generally the executiewaarde for an existing house on about 85% of the free market value lies. For a nieuwbouwwoning these lie frequently higher, up to (dependent on the taxer, money donor) 100% of the free market value of the house.
F financing charge percentage = Financieringslastpercentage
Maximum percentage of entering which can spend kredietnemer to the mortgage. At calculating the mortgage charges nearly all money donors assume the charges which someone is if he chooses for annuïteitenhypotheek with a duration of 30 years and interest-fixed period of minimum five or six years. These charges are vervolgens shared by gross the year income. As from 1 January 2007 a similar rule applies to all standard mortgages. An important difference is then that all mortgage suppliers with the same financing charge percentages will work. Now the methodiek is only roughly right.
Financial bijsluiter
Explanation at complex financial products concerning the product, the costs, the output and risk. See www.definancielebijsluiter.nl.
Fiscaal aftrekbaar = fiscally deductible
Of the tax deductible.
Fiscaal loon = Tax remunerations
The rewards of your employer about which you income tax is chargeable.
Fiscaal partnerschap = Tax partnership
System where you and your partner can divide mutual bijtellingen and deductions.
Fiscus = Tax authority
Other word for the Tax and Customs Administration.
G Gemeentelijke heffingen = municipal levies
Specific taxes, levied by the municipality which stipulates also altitude. Examples are property matter tax, rioolrecht and waste product levy.
H hybrid mortgage
Mortgage which can use you as well as savings-based mortgage, but also as a placement insurance mortgage. Also a combination of both forms is possible. Characterising is that you can change interim, entirely or partially of the one to the other form.
Hypothecaire Lening = Mortgage loan
The mortgage loan is a loan to which at authenticated certificate an immovable property has been coupled as a onderpand. Generally the debt is defined explicitly in the certificate. In general it general is the lent amount no longer than 75% of the valued value of well at executoriale sale. This value is the turnover, which can the money donor get at obliged sale of the pand if the debtor can no longer meet its payment obligations. As a money donor it is prepared to lend more from, then there is talk of a top mortgage. In the daily language use the mortgage loan kortweg mortgage are frequently called.
Hypothecaire lening met vaste inschrijving = Mortgage with fixed registration
Of a mortgage an authenticated deed must be drawn up. There are two registration forms: the bank mortgage and the mortgage with fixed registration. At a mortgage with fixed registration each relay (regularly or extra) leads to a proportional fall of the mortgage registration. This means that the mortgage ends up at each increase above the existing registration, as a result of which a new mortgage certificate becomes necessary. You do for this reason generally judicious choose for a bank mortgage.
Hypotheekgarantie = mortgage guarantee
See Nationale Hypotheek Garantie
Hypotheek gever = mortgage donor
Supply the the one who receives the loan and onderpand (the mortgage); or yourself.
Hypotheeknemer
The one who supplies the loan and the onderpand (the mortgage) receive, or the bank or insurer.
I inflation
Situation in which the general rural level increases and leads to depreciation of the money. A criterion for this is the development of the index of the consumption price.
Intermediair = Intermediate
Commission agent.
K kapitaalverzekering eigen woning = capital insurance own house
A capital insurance which is coupled to your own house and as a result a special tax treatment gets. The insurance falls in box 1 for this reason and in box 3. you do not have no pay capacity capital yield tax. The benefit must become used to relay the mortgage.
Krediet Hypotheek= credit mortgage
Money can lend in several manners, but the lowest month charges have you at the credit mortgage. It is compare with an ongoing credit with the house as a onderpand. To the agreed credit limit you can take unobstructed money and to relay, this way frequently wants you. The interest is variable. But because the bank has extra certainty (the house) is the interest lower than at an ordinary ongoing credit. Still a difference: at a credit mortgage you need, depending on of the money donor and the total mortgage relay tax, monthly do not oblige, at an ordinary credit, however. Each month only pay you interest.
L Levenhypotheek
The traditional levenhypotheek, the savings-based mortgage, the placement insurance mortgage and the hybrid mortgage are all levenhypotheken. Levenhypotheek a mortgage has been combined with a capital insurance. During the duration of the mortgage, but exclusively interest paid with moreover the insurance premium it is not relayed. The insurance premium is partly saved or is convened, whereas the other part is intended for a death risk insurance. The insurance pays, or at the end of the duration, or rather at interim death. With the benefit the mortgage is relayed. The large advantage of these hypotheekvorm is that a maximum tax calculation becomes enjoy whereas within the capital insurance - within certain maxima! - a tax-free benefit can be formed. The capital benefit if you live on the termination date, for which saved or is convened, is possible however higher or lower is than the mortgage loan.
Levensverzekering = Life insurance
Insurance where the beneficiaries (nabestaande(n), or a someone who has been designated by the policyholder) at dying the insured person gets money amount paid. Another form is that at live a certain amount is by the insurer is paid a date certain on. A combination is also possible.
Lineaire aflossing = Linear relay
relay diagram where you relay as much monthly. Moreover you pay still interest concerning the rest debt. In the beginning you have therefore relatively high charges, at the end of the duration correctly low.
Lineaire hypotheek = linear mortgage
Hypotheekvorm where the relay on linear basis takes place. Becomes, because of the high commencement charges, hardly more closed. Duration The duration (generally calculated in number of months) that you must pay back a loan. At an ongoing credit we speak over a theoretical duration.
M. maandlast = month charge
Monthly payment of interest and relay.
Maandrente = month interest
The interest to pay per month.
Marginaal belastingtarief = Marginal tax rate
The tax rate that pays you concerning the top of your income.
Meenemen contract rente = To take along contract interest
As the contract interest lower is than the day interest then it is pleasant if you, at removal, which can take along lower interest to the mortgage on the new house. The interest which eventually will pay a weighted average of the day interest and old contract interest, taking into account the altitude of the mortgage on the old and new house, the remaining interest-fixed period of the old mortgage and the interest-fixed have been chosen period for the new mortgage.
N national mortgage guarantee = nationale hypotheek garantie
The national mortgage guarantee is the rurally applying regulation with which purchase of a house can be financed entirely. THE NHG are an extra guarantee for the financier, as a result of which a lower interest - up to a half percent - can be given. THE NHG apply both to a financing of an existing house and of a nieuwbouwwoning, of which amounts to the professional expenses maximum?250.000 (2006). For the NHG you pay a one-off contribution of 0.28% (2006) to the guarantee fund own houses. By 1 January 2007 this percentage is raised to 0.40%, these costs is fiscally deductible.
Netto effectieve rendement = Net effective output (NWR)
output figure with which the real turnovers or price (therefore taking into account data such as line and age and with all costs, turnovers and possible tax advantage) of life insurances, mortgages, spaarproducten and remaining placement possibilities with each other can be compared.
Netto maandlasten = Net month charges
The month charges of your mortgage where has been taken into account the tax deductibility of the mortgage interest and possibly also the influence of the eigenwoningforfait. Net output Important at mortgage forms where the capital is built by means of a capital insurance or by means of placements. This percentage is important at calculating the required premium for the capital insurance or the required inleg on a placement account in the case of a placement mortgage. Until recently many proposers went of it from that to the placements minimum a net output of 8% would produce. Of it the costs deducted within the placement funds already. Nowadays proposers serve and consultants no longer with a net output count, but with gross an output. This is therefore for calculation of the costs within the placement funds. This makes these mortgage forms improves similar. At mortgages with mortgage guarantee can be counted up to with 8% gross.
NWR
Net effective output
Overlijdensrisicoverzekering =death risk insurance
Insurance where the beneficiaries (generally the surviving dependants) get an amount paid if the insured person for the agreed termination date dies.
Oversluiten
We speak talk of oversluiten in two situations. This is the case if you categorise your loan or mortgage at another money donor, but also as you, against payment of fine interest, the mortgage oversluit to the lower day interest.
Overwaarde
Difference between the value of your house and the mortgage which rests on this.
P Premiedepot
At save -, placement insurance - and hybrid mortgages are possible the insurance premiums chargeable during the duration entirely or in one time in so-called premiedepot are partially paid. Generally you pay each month the premium. At premiedepot the money supplier obtains the premium however each month from a depot. He takes into account the tax demands which the tax authority makes. Particularly at the savings-based mortgage you are by remainder more advantageously from. This depot arises by a certain sum which you pay at the money supplier. Own money which you have brought in for example by saving because or you have kept money from sale of your previous house. Concerning the amount which you have in depot stand, you receive interest.
Rente = interest
Costs which a money donor periodically charges (for example monthly) for for the arrangement put money of a sum.
Rentebedenktijd = interest time for reflection
interest time for reflection knows two alternatives: 1. At conclude or extending the mortgage during a certain period (1 or 2 years) can you change at every moment free of charge to a longer interest period. The advantage of such ' instaprente ' (also option interest called) is that you time (maximum two year) is possible to profit of low instaprente and that, as the interest then suddenly increases and you within the agreed period (for example a week) react, you can fix the interest against the interest which applied flat to the interest revision. 2. End duration interest period at an interest time for reflection at the end of the interest period is possible you during a certain period (1 or 2 years) themselves stipulates when the interest is reconsidered. You for this a rise on the interest pays.
Renteherzieningsdatum = interest revision date
Date, at the end of the interest-fixed period, on which the mortgage interest is adapted to the day interest.
Rentemiddeling
In two situations talk can be there of rentemiddeling. At removal it can be advantageous the old take along contract interest to the mortgage on the new house. The interest which you will pay eventually a weighted average of the day interest and old contract interest, taking into account the altitude of the mortgage on the old and new house, the remaining interest-fixed period of the old mortgage and the interest-fixed have been chosen period for the new mortgage. At some money donors you can profit also interim by means of rentemiddeling of a lower day interest. A new average interest is then calculated, where one takes into account the remaining interest-fixed period and the new period to conclude interest-fixed. The interest which you will pay is then lower than the old interest, but lies higher than the day interest.
Rentevaste periode = Interest-fixed one period
Period, for example five or ten years that the interest is certain. How longer the interest-fixed period, all the higher the interest. The interest-fixed period is generally shorter than the duration of the mortgage.
Spaarhypotheek = savings-based mortgage
The savings-based mortgage is levenhypotheek. Just like at the levenhypotheek on the debt during the duration of the contract it is not relayed. Because beside the mortgage loan a capital insurance is closed, where fixed state which amount comes there available if the insured person lives on the termination date or voordien comes die. On the spaarpremie for the insurance an interest which is the same as the chargeable interest on the mortgage loan, is compensated for. As a result, the schommelingen remain rather in mortgage charges at interest modifications limited. If the interest percentage goes down, you pay therefore what concerns that less. But then the premium for the spaargedeelte in the capital insurance must omhoog. The insurer gets then less interest compensated for and must you therefore more let pay eventually nevertheless to end up on the end amount. Reversed; if the interest percentage to compensate for goes omhoog, then is possible the spaargedeelte the premium for down.
Spaarloonregeling = Salary savings scheme
Form of bedrijfssparen where the employer implies a certain part of the brutoloon and pays on a blocked spaarrekening. The employee needs no pay tax concerning this amount - a limit determined to -. The account remains blocked four years; interim prerecording (deblokkering) is only possible in certain situations, for example at purchase of its own house.
T Toetsinkomen
To enter that as a basis are considered to a mortgage guarantee, existing from brutosalaris including possible gratification or annual bonus, holiday allowance, provision (subject to structural component of entering) and irregularity allowances.
Top hypotheek = top mortgage
Relatively high mortgage for which asks an interest rise to money donor. There is, talk of a top mortgage if the total mortgage is higher than, depending on of the money donor, 75, 90% or 100% of the executiewaarde of the house. The maximum top mortgage amounts to 125 or 130% of the executiewaarde.
Traditioneel leven = Traditional living
At the traditional levenhypotheek the shovel-sleigh-demented is dependent on placements in so-called vastrentende values such as obligations or government loans. The premium is rather high because is assumed a relatively low rack interest about 3%. moreover you receive still so-called ` overrente ' or ` profit-sharing '. These hypotheekvorm are concluded no longer much.
Tussenpersoon = Commission agent
Someone who mediates between purchaser and salesman. Also intermediate called. An insurance commission agent mediates for example between you and an insurer.
V vertragingsvergoeding = delay compensation
Extra interest if you pay too late your normal periods.
Verwervingskosten_woning
purchase costs house including all additional costs such as 6% conveyance duties, commission, notary - and appraisal costs and possibly costs mortgage guarantee and broker costs. Institution - and moving expenses do not fall under the professional expenses.
Vrijeverkoopwaarde
Value which produces a house at voluntary sale.
Waarborgfonds Eigen Woning = guarantee fund own house
National mortgage sees guarantee.
Woz-waarde
For the calculation of the onroerendezaakbelasting, the eigenwoningforfait and the water board rates the municipality stipulates the value of your house, so-called Woz-waarde. As a main point to the appraisal by the municipality is considered the economic value of the house, with everything what hears (such as garage and garden), a qualifying date determined on by the law. Read also everything concerning the WOZ. |
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