Which disability insurance should I choose?

If you are temporarily out of the running due to illness or an accident, this is very annoying. Fortunately, you can count on a financial compensation, at least if you have disability insurance. Which disability insurance should you choose and how do you make the right choice? The reimbursements can differ per insurer, so it is important to compare the insurances. Disability insurance is an important insurance policy that is indispensable in the event of illness or an accident. It is therefore worthwhile to delve into this so that you are well protected against loss of income. You can learn a lot about the various options through research, preliminary research and advice from others.

Successful reintegration with disability insurance
With an occupational disability insurance you can count on better reintegration. It can be difficult to get back to work after a long time and help with this is very nice. With each insurance you can see to what extent help is offered and which insurance best suits your wishes. Reintegration can take some time and then appropriate guidance is not an unnecessary luxury. It ensures that you are stronger in your shoes and that you feel good at what you do. You never know whether you will need disability insurance in the future and then it is nice if you have one. With sufficient support and good care, you can even function better at work than before your illness. You realize how valuable it is to be able to work and to be healthy.

Stronger with support
Disability insurance can offer you a lot of support at all times. If you are sick, you can fall back on the insurance if you have had an accident, but also if you are healthy and need help at work. Paying a low monthly premium is therefore more sensible than no disability insurance. It is very reassuring to know that you can count on the right reimbursements when you have to deal with something you did not foresee. By having your affairs in order and minimizing the risk of not being able to function at work, your self-confidence also increases. For example, through guidance and support during changes, you are more resilient and you know better how to deal with unexpected events. Fortunately, disability insurance can also help you with this. By inquiring around you with different people you can form an idea about various insurance policies. Comparing reimbursements and premiums can also help you make a choice. An occupational disability insurance is an insurance that you really cannot do without when you work and you are stronger in the work field if something bad should happen. Fortunately, by taking the right measures, you can prevent a loss of income. In a simple way you can save a lot of costs in the long term.

Borrowing with a negative BKR is therefore possible.

To borrow with negative BKR nowadays you have to get a lot out of the closet . Fortunately, there are still a number of methods you can use. Many people will therefore tell you that borrowing money with a negative BKR is not possible, but that is nonsense. It is certainly possible.

Let's start with the easiest option; the mini loan. A mini loan is a small loan that almost anyone can take out because there is no BKR test involved. The best thing about the mini loan is that it is one of the fastest forms of credit that exist. But it doesn't just have advantages. A mini loan has the property that you cannot take it easy with making repayments. It is possible to borrow money within 24 hours despite a negative BKR, but you will also have to pay back within 2-3 weeks. And if you do not pay back, they are certainly not happy with you. These people really know how to collect a bill and will really make your life difficult if you are not on time.

So make the decision for yourself whether you want to do this. The question is always how badly you need it. Borrowing is a means that you have to be careful with and a mini loan in particular deserves some thought before you do it. Always check whether you will receive sufficient income in the short term because it is simply a shame if you would run into fines that are actually unnecessary. Borrowing money without BKR is possible, but if you can avoid it, do it. It is not cheap.

A second option that you could go for is the private loan. There are many individuals who are willing to lend money, of course against payment of interest and costs. If you want to find these people, your best option is a national newspaper such as De Telegraaf. Browse to the classified ads and there you will find offers almost daily to borrow money from a private individual. With these types of loans, it makes little difference that you have a negative BKR, but they are not cheap. The reason is that these types of loans naturally involve more risk than a loan to someone who does not yet have a negative BKR. Of course it is also about making a profit.

If you decide to work with a private lender, make sure you have clear agreements on paper. If you don't do this, you run the risk of entering into an obligation that you cannot possibly fulfill and then you have the puppets dancing. So do not go too easily with borrowing money. Borrowing money easily leads to repayment problems, so some thinking is an idea.

Borrowing with a negative BKR is therefore possible, but you will have to do it differently than with a standard loan. In addition, if you plan on it and you need it, don't wait too long. There are far-reaching plans by the government to put a brake on loans with BKR due to the fact that they think it is not fair that much interest is being charged. The mini loan is therefore threatened with extinction, but in all likelihood the private loan will continue to exist.

Calculate your loan online with a loan simulation

If you want to take out a loan, it is important to calculate how much money you can borrow. In addition, it is also important to calculate what your (monthly) expenses will be. It is important for both you and the lender that you borrow money in a responsible manner and therefore do not borrow too much money. Incidentally, there are different types of loan. A number of well-known loan forms are the personal credit, the mortgage loan and the car loan. Incidentally, when taking out a loan, you must take into account the distinction between the variable interest and the fixed interest. Of course, borrowing with a fixed interest offers more security, because with a variable interest you do not know how the interest will develop. Because there are several lenders active in the Netherlands, it is wise to request different quotes. This way you can be sure that you are not paying too much for your loan. It is also very easy to calculate the maximum amount of the loan with the different lenders.

It is important to properly calculate the monthly costs associated with the loan. Of course you do not want to get in trouble with paying off the loan and paying the interest. It is therefore important that you do not borrow too much. It is very easy to put on paper on your monthly income and expenses and on this basis determine how much you can pay monthly in repayment and interest. Also consider how much time you want to pay off the loan. For example, if you take out a loan with a repayment period of 20 years, you will be tied to the loan for a long time. The level of the interest often differs between the different lenders. Therefore also compare the interest rate between the different lenders.

Do you want to calculate a personal loan?

A personal loan is usually used for a specific purpose. This could be the purchase of a new kitchen, for example. You can calculate a number of things on the loan from these providers. For example, you can calculate the maximum amount of the personal loan. You can also calculate the installment amount. Did you know that many more things are important if you are going to purchase a personal loan. For example, in addition to calculating the loan that is most favorable in your case, it is also wise to look at things such as whether or not to cancel the residual debt in the event of death. Please read the terms and conditions of the lender carefully.

A car loan is a loan with which you can finance the purchase of a car.

A car loan is also called a car loan. If you are considering taking out a car loan, it is important to calculate what the monthly costs of the car loan are. With a car loan, the car itself usually serves as collateral. A car loan is very similar to a normal revolving credit. If you want to finance a car with a loan, you can also choose to take out a revolving credit.

Incidentally, do not go for the first lender. Then also carefully compare the conditions as well as the level of the interest. 1% interest rate difference on an annual basis is a big difference, especially if the loan concerns a large amount. Therefore, request quotes from various lenders. It is better to make a well-informed decision than to rush into an overpriced loan for your car.

Are you planning to take out a mortgage loan?

First calculate the maximum amount of the mortgage loan and the monthly mortgage costs associated with the mortgage loan. There are many different types of mortgage. This includes interest-only mortgage, credit mortgage, linear mortgage, annuity mortgage, investment mortgage, traditional life mortgage, savings mortgage and savings investment mortgage. These mortgage types are sometimes very different from each other, which is why it is important to perform a calculation for the mortgage type that you wish to use.

On the website of lenders you can make a clear calculation of a mortgage loan that you wish to take out. What is particularly important to mortgage lenders when calculating the amount of the mortgage are your and possibly your partner's wages. Any own money is also important when calculating the amount of the mortgage loan. It should also be noted that the amount that you can borrow with a mortgage loan can differ for the purchase of an existing home compared to the purchase of an existing home. You can usually get a higher mortgage for an existing home. This is because banks take into account double interest charges and other costs when financing new-build homes.

If you have clear what amount you want and can borrow, then you can be sure that you can bear the (monthly) costs without any problems. You can then decide to take out the loan for the loan.

What is a fast mini loan?

A mini loan is a quick and easy way to borrow a small amount of money. It happens to everyone that the month is just a bit too long and you are a little short on cash. Or something unexpectedly breaks, but you cannot replace it immediately because, for example, the salary has not yet been transferred. In such cases, one can consider taking out a mini loan. These types of mini loans often involve amounts ranging from $ 100 to $ 750 US dollar, which then have to be repaid within 3 to 4 weeks.

There are numerous lenders on the internet that offer such a fast mini loan. As is the case with any loan, so also with a mini loan, borrowing money costs money. On this website you can view various providers of fast mini-loans and you will also find information about the costs of such a mini-loan, the term and how quickly you can have the mini-loan. So that if you are considering taking out a mini loan, you can do this in a well-considered manner and that you know what the costs of the mini loan will be when you have to repay it again. In order to avoid unexpected surprises.

Due to the introduction of the legislation in mid-2011 regarding the offering of a mini loan, the number of mini loan providers has also decreased considerably. This amended legislation ensured that high interest rates that could be asked for a mini loan are a thing of the past. The result was that a number of mini-loan providers had to close their doors. A small number of providers of the mini-loans have still existed at this time.

The current credit providers have had to make significant adjustments to their business operations, along with the costs that were asked for a mini loan. This means that there are currently a small number of providers of mini-loans that are allowed to offer these small loans in accordance with the new legislation. These current providers are under strict supervision by various authorities, such as the AFM, to check whether these authorities continue to comply with the rules.

The range of mini-loan providers has become quite limited since this year 2011. However, choosing a provider to take out a mini-loan can be difficult. The cause for this is often the vague and unclear conditions. At first, a mini loan may not seem very pricey. However, it will not be the first time that additional costs are suddenly added when paying back, which you do not see when you take out. These costs are often stated, but you will really have to search the conditions and the website very thoroughly. Only then does it become clear what costs are actually charged and what the other conditions are for a mini loan provider. This is by no means the case with every provider, but there is a difference in the transparency between the different mini-loan providers.

Searching for all conditions and costs is a time-consuming job, we have already sorted everything out on this website. On this website you can find exactly how the proverbial fork in the stem works at the various mini-loan providers. At every provider you can find how the entire course of affairs works when applying for a mini loan. You can also read exactly what the costs are for taking out the mini loan, together with what possible fines are if the loan is repaid late.

Take out a quick mini loan in a sensible way.

Even though it is very easy to take out a mini loan quickly, you do so in a sensible way. The costs that are charged if you are unexpectedly unable to repay the loan within the set term are sky-high! The folder below “Wise Lene” from the AFM can help you determine whether it is sensible to take out a loan for your situation.

It may be clear that this website is intended to provide information about the different providers of the mini-loans. However, it is not the intention to do this as much as possible. It is extremely important that when you decide to take out a mini loan, only do so when you are aware of all costs and conditions. So that you know in advance what to expect with such a loan. Furthermore, it is highly recommended that you only take out a loan if you are sure that you can repay it within the specified period. Nothing is more annoying than being in a situation where you cannot repay the loan and then receive fines and perhaps even the bailiff visiting. Do yourself a favor and only take out a loan when you can actually repay it!

I would like to close the article with a small warning when you decide to take out a mini loan. These always cost money! Always make sure that the loan amount can always be repaid on time. The fines are often very high for late repayments!

Useful information about Borrowing money

Nowadays "borrowing money online" is also popular. This is mainly because it is very easy to arrange everything at home behind the computer yourself. But are you sure you have applied the correct procedure? Borrowing online has some disadvantages in addition to the advantages. Read this also on our site before you decide to borrow money over the internet.


It may be that if you want to borrow money, you do not know exactly what is important. So it is extremely important that you collect information before you borrow money. This website is the ideal website for that. This is where you can go for all information, tips and advice about taking out loans. In addition, this website also provides information about all the possibilities that borrowing money entails, which risks are associated with borrowing money and which choice is the best when borrowing. Pay particular attention to the fact that borrowing money costs money.

It is important that you know which loan suits your needs. For example, all causes have different loans. The interest rates in particular can determine which loan you will take out. On the internet you can already take out a loan from 4.5%, while this is only possible from 7% at your bank.

There are a few important differences with each loan. Each loan also has different properties. These determine whether the loan suits your purpose. Some types of loan are probably familiar to you, such as:

    • Borrow personally, for example for a kitchen
    • A revolving credit, because you want some reserve
    • A mini loan, for example if you need a small amount
    • A mortgage loan, for example for a house

These types of loan are most common among consumers. A personal loan and revolving credit have roughly the same principle, but the properties of the two have nothing to do with each other. In addition, you cannot use these types of loan for every purchase. For example, you cannot buy a house with these loans. But what can you do with a personal loan or a revolving credit? And what distinguishes these 2 most popular forms of borrowing money from each other?

The most common form of borrowing money is a personal loan when it comes to security. With this form of borrowing, you know in advance exactly the amount that will be borrowed, the level of the interest during the entire term and the time required to fully repay the loan. If you borrow, this is a fixed amount against a fixed term and interest. So you have all the certainty with this form of borrowing. That is why a personal loan is often used when purchasing a one-time purchase of, for example, a car, dormer window or kitchen. It is therefore mainly one-off purchases where a large amount is invested. However, when choosing a loan, you must also take into account a number of disadvantages associated with a personal loan. You cannot make interim repayments without a 'fine'. This is because the total loan is predetermined for a specific period of time during which the loan will be repaid. A loan plan has been drawn up with the bank for this. In addition, you pay a lower interest rate with a personal loan than you pay with a revolving credit. If you then repay in the meantime, the bank may lose income as a result.

In contrast to a personal loan, with a revolving credit it is not fixed in advance, except for the loan amount. Many consumers experience this form of borrowing money as better, because there is not as much pressure on repaying as with a personal loan. In addition, with this loan form you can decide for yourself when and how much will be repaid. A revolving credit does have a higher interest than a personal loan, because the bank has no guarantee that the entire loan will be repaid. Therefore, the interest is higher. The repaid money can also be withdrawn.

If you want some money as a reserve, revolving credit is ideal for that. It does not necessarily require a purpose to apply for revolving credit. The term and interest are variable and you can repay the loan without penalty. The interest that is paid is the interest rate that is current at that time.


The popularity and fame of the mini loan has increased enormously recently. Apart from the fact that this loan form has high costs, it is also a good solution for people who need to have money at their disposal quickly. It is, as it were, an amount advanced on your salary, because the loan must be repaid within 20 and 30 days. The loan can be used for a maximum of 30 days.

The amount with a mini loan is between 100 and 800 US dollars. It differs per provider what the costs are with such a mini loan. For example, provider 1 charges for service on the loan, while provider 2 charges interest. This loan form offers many people a solution in difficult times, because you can borrow money quickly. You can usually take out a mini loan in 20 minutes.

The principle of a mini loan is very simple. You borrow a maximum of 800 US dollars for a maximum period of 30 days. If the loan is not repaid on time, you will pay a fine. However, if you do repay the loan on time, you can continue to borrow money online in this way.

Borrowing money online on the internet is becoming increasingly popular among consumers. It has gained a lot of confidence from the people. Different from 10 years ago, there has been a significant growth in confidence in the internet. Nowadays, borrowing money online is just as safe as at the bank. Because there are tough controls by financial bodies such as the AFM, it has become almost impossible for credit providers to cheat consumers. This used to happen more often than you would expect.

For people who want to borrow money, there is a huge range of options when it comes to borrowing money online. Credit providers therefore know very well how to use the internet for this. However, this can be a hindrance for consumers. If you search for 'borrow money' on Google, you will get a huge list of loan providers. Making the right choice from these providers can then be very difficult. Which provider has the most suitable loan for your purpose?

You will of course only borrow money if you are sure that this loan suits your circumstances. Consumers are often misled by the reason they want to borrow. They assume that they will later decide how to proceed. This institution often causes the borrower to run into financial difficulties.

But once you have borrowed, you have to pay in monthly installments. There are therefore no exceptions. If you do not adhere to the agreements made with the credit provider about the repayment of the loan, this can have unpleasant consequences, such as bailiffs or collection agencies.

In any case, the bank will receive the money back in any way. You must therefore carefully consider whether you actually want to borrow the money. You should assume that your financial situation may look different later on. We therefore advise you to only borrow money if you are sure that you can pay it back without any problems.

To begin with, it is important to know that with a loan you can always request multiple quotes from various credit providers for free and without obligations. This will give you more information about the bank where money is borrowed and what requirements are attached to it. Reading all these quotes therefore offers the opportunity to make the right choice when finding a loan that suits your purchase.

At mini loan requests.com we advise you in the right way about the loans and the providers thereof. You are probably looking for advice that is fair and does not depend on a particular preference. We offer you this advice. Read on to make sure you're getting the right advice. We want to satisfy our customers at jvc-europe.com with our handy tips and advice about borrowing money online. jvc-europe.com is a broad website that contains a lot of information about borrowing money. The information on our site can of course be considered reliable.

Everyone wants to make the best and the right choice when they make the decision to take out a loan. Everyone wants a cheap loan (this means a low interest rate), but that is not all that matters. The lender also plays a major role, it must be reliable and provide good service. Of course you want to be sure that you are in good hands with the loan. You also probably don't want to pay a jackpot for this lender's interest or services. Large banks often charge these extra costs.

In the Netherlands, money is often borrowed from the best-known banks such as Across Lender, Infra Bank, ABN Amro and OLN Bank. We think this is the best choice, but it certainly doesn't have to be. You are much more expensive when you borrow from one of these banks. You pay higher interest rates and the additional costs are calculated as mentioned earlier. One of the cheapest ways to take out a loan is through an intermediary. This gives you an overview of the cheapest loans. You do not pay many costs that you would have to pay at one of the above banks. What is a plus is that you are assisted by expert staff. In this way, together with the expert, you will come to the right choice for a loan that suits your personal situation.

Borrow money, borrow money reliably
mini loan requests.com gives you advice on the right lenders. If you are going to borrow money, you naturally want to do this with a reliable lender. We recommend that people who want to take out a loan first request quotes from these lenders in order to be able to compare everything properly. If it does not work yourself, it is wise to call in expert help. As mentioned earlier, there are plenty of intermediary companies that can assist you in the choice you are going to make. The quotes are free, so why not? It's better for you! Borrowing cheaply does not always appear to be the best choice. You can take out a cheap loan, but are you sure that the lender can be trusted?

There are many different types of loans and they serve different purposes. This is of course different per personal situation. You must know in advance what you are going to borrow the money for. The money must be borrowed for a reason, otherwise it is not wise to take out a loan. It is always wise to compare the different lenders online. For example, before you borrow the money, you can make sure that you make the right choice and choose a lender with a low interest rate. Making a comparison online is very simple and gives you an overview of all lenders within a few minutes. The different types of loans can be distinguished by loan types, term, additional conditions for online borrowing and of course the interest. You can compare borrowing money by switching personal loan to revolving credit and thus seeing which loan suits your personal situation. Weigh the pros and cons of both loans and make a wise choice.

Borrow money, how to compare?
Look at the different costs to make sure you make the best choice to borrow cheaply. It is safe to borrow money online, but you must inform yourself well in advance about borrowing money. On mini loan requests.com you will find an overview of a lot of information that can be useful. An important element when comparing money loans is to look at the interest rate. Of course you want to make sure that you do not pay too much in interest. It is important that you do this, because you ensure a competitive interest per year with a lender who will of course offer you the right service. What is also an important element when you start borrowing money, is the term of the loan. If you choose a longer term, the amount will be lower for you per month. But in the longer term, the costs will actually be higher. You must therefore always calculate all costs. Comparing borrowing money online only takes a few minutes of your time, but it can save you a lot of money. Borrowing money online is also good for yourself because you are aware of the costs that you will receive, so you will not be faced with surprises. Borrowing money online is therefore recommended!

Borrow money, known providers?
What we want to make clear is that the cheapest loan does not always have to be the best loan. What should you do if you have a question about the loan you have taken out? Are you being helped well enough? What happens if you have a problem with the repayment? Will the provider still offer you the right service? Will this lender be that reliable? With a cheap loan you will not be sure that you will be treated with respect. These are very important questions when you are going to take out a loan. We recommend that you keep in mind that borrowing cheaply is not always the best choice.

What we have already mentioned is that borrowing money through an intermediary is cheaper than from your own bank. The intermediary has many connections with many banks, which is how they ensure that they make the best choice for their customers. The banks are each other's competitors through the intermediary, because they want to offer their customers the best and cheapest loan, so that customers can choose their bank. That is why borrowing money through an intermediary is cheaper. We admit that it is a safe and trusted choice to take out a loan with your own bank, such as the Across Lender, ABN Amro, the SNS or the Infra Bank. But it is not beneficial. And of course the only thing everyone wants is to get out of it as cheaply as possible. Therefore, look at other options. You will certainly not make the wrong choice if you inform yourself well about the various options. Borrowing money online allows you to compare different loans. Request quotes and speak to experts. This way you will borrow money in the right way.

Borrowing money depends on many factors. The level of your income is an important element. The amount that you can borrow is calculated by the intermediary or by your bank. Your personal situation plays a major role in the final amount that you will borrow. By personal situation we also mean your financial situation and your living situation. It is useful to request multiple quotes from different lenders to calculate the maximum amount you can borrow. This gives you an overview of the options for borrowing money. The AFM body keeps a close eye on banks and other lenders. They want to prevent banks or lenders from putting consumers in financial trouble (debt). It is important that you know what is left over each month when the loan charges are paid. You just have to be able to maintain your life as before. It is not only possible to borrow large amounts. You can also borrow money in small amounts.

With a revolving credit, it is agreed in advance what the amount and payment terms will be with the lender of your choice. A revolving credit is therefore very flexible. You can also decide for yourself what you want to repay each month. You can always keep a revolving credit on hand. You can always take out a loan in the form of a revolving credit. What is also a difference with a personal loan is that the interest can vary with a revolving credit. The interest of the loan may change during the term. You can also find more information about a revolving credit on mini loan requests.com. If our information is not sufficient for you, we recommend that you request free quotes.

One of the most common loans with customers is the Mini Loan. The Mini Loan is available if you want to borrow a small amount for a short term. The maximum amount of a Mini Loan is 800 US dollars and the term is a maximum of 45 days. With a Mini Loan you can therefore borrow an amount of money for a small amount, which will probably be sufficient for you, because otherwise you would not have made the choice for a Mini Loan. If you do not pay back the money within 45 days or on the 45th day itself, you will be in trouble. You must transfer the amount back to the account of your lender within the time. If you fail to do this, you will receive high interest rates in the form of a fine. You must meet the conditions that were established when taking out the loan. One of the conditions was that you had to repay the amount within 45 days. It is important that you pay back the mini loan within time, as this ensures that you build up dignity with your lender and that you will be eligible for a loan more quickly in the future. You do not have to be without money and you can always borrow a small amount by taking out a mini loan.

Borrowing money online is not much different from borrowing what is already known to most of us. It is done in the same way as with a bank or other financial institution where you can borrow money. The biggest difference is that with online borrowing you can often only borrow a maximum fixed amount, but there is an advantage, the interest rate is also lower. With the advent of the internet, borrowing money online is becoming more and more popular today. It is easier for us to take out a loan via the internet. We can also find all kinds of information sources via the internet that provide us with the desired information about various loans. Borrowing money online is therefore easier and it has a lower interest rate, so why not? If you were planning to borrow money, it is best to do it online. Even when a bank offers online credit, a lower interest rate is charged on the loan. Request quotes so as not to make hasty decisions.

Borrowing money online is very popular nowadays and very important for the banks and financial institutions. In the Netherlands, figures show that more loans are taken out online. Despite the financially uncertain times at the moment, online borrowing remains very popular. Nowadays it is very easy to take out a loan via the internet. Via the information available online you can always compare many providers with each other and go for the best choice. The lender also has advantages when offering loans online, because he or she saves costs. Information can also be exchanged online via email, and it is always possible to request information because you do not have to wait for available office hours.

The interest rate with online borrowing is also lower than with banks or other financial institutions. This is because the lender does not have to hire a large amount of staff, so fewer risks need to be covered. The staff is always available via email and this person can answer multiple questions within an hour. These are all small things, but this makes borrowing money online attractive. Contact via the internet is both effective and efficient.

Even if you take out a loan online, you should read the conditions carefully in advance, because remember borrowing money costs money .

Our website contains many more articles that provide you with information about borrowing money. Read these articles carefully before you take the step to take out a loan. If you have comments about questions about our website, please contact us and we will be happy to help.

Do you sometimes need money quickly?

And in such a situation you naturally want to borrow money quickly. There are various ways to borrow money quickly. You can borrow money very quickly, especially via the internet. This concerns relatively small amounts. These loans are also known as mini loan, payday loan or mini loan. This usually concerns amounts between fifty US dollars and seven hundred and fifty US dollars that you can request within ten minutes via text message or via the Internet.

This way of borrowing money quickly is mainly used to bridge a short period without money. Most mini-loans therefore have a duration of about a month. For that reason, these mini loans do not fall under the Authority for the Financial Markets, which makes it possible for people with a negative BKR registration to borrow money.
The disadvantage of a mini loan, however, is that the costs are very high. This is because high administration and handling costs are added to the loan amount. So you are very expensive if you use this way to borrow money quickly.

The advantage of this method of borrowing money quickly is that you are off the loan within a month because of the short term. Another advantage of a mini loan is that it is arranged very quickly. As mentioned, you often have the money in your account within ten minutes. There is probably no other way to borrow money as quickly as with a mini loan.

This way of borrowing money quickly is an ideal option when you are short of money, because it is easy to arrange, because it involves relatively small amounts and because you can get rid of it within a month. It is therefore no wonder that this way of borrowing money quickly has become very popular recently.

Borrow money reliably and quickly?

When you are going to take out a loan, it is understandable that you want to borrow money reliably. After all, you don't want to be saddled with unexpected costs. And you would also prefer not to see unexpected changes in the interest rate or in the loan sum. What you want is simple: you want to borrow money reliably in a simple way without any strings attached. And luckily all of this is possible.

There are enough providers on the loan market where you can borrow money reliably, but unfortunately there are also enough providers where reliable money is not an option. You may be familiar with the Netherlands Authority for the Financial Markets (AFM). AFM supervises loans, among other things, so that consumers can be sure that they are provided with honest and clear information.
If you want to borrow money reliably, you can check with the Netherlands Authority for the Financial Markets whether a particular provider is reliable or whether this is not the case. AFM ensures that you know where you can borrow money reliably. This is sorted out for you in various ways.

A lender may officially only lend money if it has received a license for this from the AFM. To be eligible for such a license, the lender must meet certain conditions. If it turns out that it is not possible to borrow money reliably from a certain lender, it will not receive a license.

After a lender has obtained the permit, he will have to prove that he is worth it. The AFM will therefore also regularly check whether the rules are being complied with. In addition, the Netherlands Authority for the Financial Markets also checks whether the lender provides consumers with correct information. In short, the AFM does everything it can to ensure that you can borrow money reliably. If you want to know whether a particular provider is reliable to borrow money, you can check this with the AFM . They also have a list showing which providers are in any case not reliable.

Apply for an online loan and receive an immediate answer.

Applying for a loan used to be a hell of a job. Nowadays there are many new possibilities to apply for a loan from a bank or another financial institution. Applying for a loan no longer has to be done in an office, but can also be done perfectly via the internet or why not via text message. When it comes to a small loan such as a mini loan, one text message is already sufficient to take out financing, it could hardly be easier. To apply for a loan, you must always know exactly what amount you want to borrow, for which you want to borrow the amount and especially how long it will take you to repay the loan.

As a borrower, you should keep in mind that applying for a loan is not always easy. It goes without saying that the simplicity of the application depends on the type of credit in question. In that respect, applying for a mini loan is much simpler than applying for a mortgage loan, especially since a substantial guarantee must be provided with the latter. When applying for a loan, always take the nature of the financing into account. The greater the risks and the higher the amount, the more complex the application can be.

Apply for a medium to large amount of money online.

If you would like to borrow a medium to large amount of money in a simple way, you can opt for an installment loan, among other things. The great thing about an installment loan is that you pay off part of the outstanding debt every month. This makes the remaining amount smaller and smaller, which also reduces the risk of default or loss for the bank. This is interesting for both parties because in this way the cost price can be considerably reduced. If we compare the price tag of an installment loan with, for example, a revolving credit, we see that the former is much, much cheaper.

A personal loan or installment credit can also be applied for quite easily through the above. You do not have to take into account strict conditions and the term can also be extended relatively long. With the help of the installment loan you can borrow a lot of money for a large purchase or an investment almost without any problems, but also when you just need some extra money, this type of credit usually offers you a great solution. One thing is certain, if you would like to borrow money as cheaply and safely as possible, then an installment loan is undoubtedly a warm recommendation for you.

Calculate your loan online.

It is almost hard to believe in these modern times, but there was a time when you as a borrower were obliged to visit the bank to find out exactly what the course of your loan would look like. Nowadays this is no longer necessary and you can request all this information very easily from the comfort of your couch. Calculating a loan online is therefore really child's play and perfectly possible for every type of credit on the financial market. Please note, when you are going to calculate a loan online, it is very important to do this with an objective party. A subjective calculation is actually relatively worthless.

Actually, there is nothing to stop you from calculating a loan online. When you calculate a loan online, you can decide for yourself whether the loan in question is suitable for you or not. If not, just keep looking. Calculating a loan online does not entail any direct obligations and you certainly do not have to pay any money for it. If, in addition to a calculation, you would also like to carry out a comparison immediately, you better choose to call on a comparison site . Such a website is clear, up-to-date, reliable and also very objective.

There are several ways you can borrow money!

Personal loan

The personal loan is the simplest form of borrowing money. An amount can be withdrawn at once. This loan will be repaid within a predetermined period. This term varies from 6 to 60 months (longer terms are often possible in case of renovations, for example). A personal loan is taken out with a one-off credit requirement. Interest is charged on the loan amount. This interest is added to the amount financed and the total amount must be repaid in fixed installments. The interest and monthly repayments are therefore fixed. If a term of longer than 60 months is determined, it is usual that the interest rate is revised after 5 years.


The main advantage of a personal loan is that the monthly installments to be paid are fixed. So you know where you stand. In line with this, the debt is repaid at the end of the term, which can also be a good idea.


The main disadvantage of the personal loan is its rigidity: it is virtually impossible to 'borrow' within the same loan. A sudden need for extra money can therefore not or hardly be met. In that case, a new loan must be taken out. Another disadvantage is that early repayment is generally fined, as the lender loses interest over the remaining term. The amount of this loss of interest depends on the time at which the early repayment takes place. The sooner, the more expensive is the credo here.

Revolving credit.

A revolving credit, also called continuous credit, is, in addition to the personal loan, a form of financing that is chosen when extra spending space is needed for a longer period of time. The exact spending limit is not known in advance. This occurs, for example, if a renovation has to take place or if the house is being refurbished. A credit limit is agreed based on your income and other financial obligations. Free withdrawal and redemption are possible up to the agreed limit. You only pay interest on the outstanding balance. The level of the interest depends on the credit limit for most providers of revolving credit. The higher the limit, the lower the interest to be paid. The amount of the interest can change in the meantime. The monthly repayment, regardless of the amount withdrawn, is usually a fixed percentage (2%) of the credit limit. With some lenders, a variable percentage can also be chosen. Because the duration is not fixed in advance, you can determine how long the repayment lasts. This means that every time - after a repayment, or if the limit has not yet been reached - money can be withdrawn again. It is less wise to take a revolving credit for buying things with a limited life. A personal loan is then a more suitable form of financing. With a revolving credit, the financing of your car, for example, quickly continues for longer than the period that you use the car.


The advantage of a revolving credit is mainly the flexibility, because it can be repaid and withdrawn each time (provided you stay within the agreed limit). In addition, a revolving credit offers convenience, especially when expenses are staggered over time. You do not have to take out a new loan every time. Another factor is that the monthly costs are lower than with a personal loan, because the term is longer (indefinite).


However, these advantages can also be a significant disadvantage: flexibility and convenience require a certain repayment discipline. Those who do not have one run the risk of never getting rid of the credit. In addition, the interest on the revolving credit is often variable and the costs for the relevant loan can become both higher and lower as a result of developments in the money and capital markets.

Bank overdraft

With a current account credit, a lender grants permission to be 'red' on a payment account up to a certain amount. The lender will of course check in advance whether your income is sufficient for the amount. Here too, nothing has to be repaid, because a current account credit requires collateral. Usually, securities and savings certificates are used as collateral.


The advantages of the overdraft facility lie in flexibility (as with revolving credit), but also in costs. These are generally lower than with a revolving credit or a personal loan. Because the credit is linked to a current account, the advantage is that the funds are available at all times (provided the limit has not been reached). Usually a minimum mandatory repayment, such as with revolving credit, is not mandatory.


However, just as with revolving credit, the advantages can also form a significant disadvantage with this form: due to the flexibility and convenience, a certain repayment discipline is required. Those who do not have one run the risk of never getting rid of the credit. If the limit of the current account credit is exceeded, there is an unauthorized overdraft, the costs that are charged for this are higher than the usual interest rate.

The BKR coding under the microscope

BKR is a term that is very often heard in the financial world. It therefore seems useful to us to take a closer look at the BKR coding itself. After all, coding is the principle with which the entire system stands or falls and is the basis of the BKR listing. The BKR coding is a way to check whether someone has always paid off his loans on time in the past. If this is not the case, this person will receive a certain BKR code.

If you have always paid off your loans in the past within the set term and without significant problems, you will not be quickly confronted with a BKR code. Your details will be registered for every loan you take out, but not much else will happen with this information if you pay off the loans perfectly on time. In this case, there is certainly no question of a possible BKR coding.

However, if you are in the boat of the people who have to contend with overdue payments, then you can no longer bypass the BKR coding and you will undoubtedly be confronted with it. With one month in arrears, you do not have to worry about BKR coding right away. It becomes a different story when you cannot pay off your debts for 2 or more months. For people who are between 2 and 4 months behind in terms of payments, the BKR will use a BKR coding. We could describe the coding as a kind of backlog coding. It is also called BKR code or A code.

Such BKR coding is visible for all financial institutions in our country and also for telecom companies, among others, where one could pay subscription costs every month. With a BKR coding it becomes very difficult for the person in question to take out a loan with the aforementioned institutions. However, there are institutions that offer loans under strict conditions to help people with a BKR code. However, if you succeed in properly paying your debts within a certain period of time, the BKR will convert the A-code to an H-code or so-called recovery code. The BKR coding will then remain visible for 5 years, but thanks to the H code you can show the BKR and the financial institutions on the Dutch market that you may have had payment problems, but that they are currently completely overcome. So you are again able to borrow money almost everywhere.

Borrow money with negative BKR coding from independent financial companies.

When you have to contend with a negative BKR, it is not always easy to borrow money from a financial institution or company that operates as an institution recognized by the BKR. Although there are loopholes to obtain a loan or credit through these institutions, trying is not automatically a guarantee of success. After all, a number of conditions must be Demorei that many people with a negative BKR do not meet. For example, you will have to demonstrate with valid reasons why paying off your debts could now and was not possible in the past. If there are thorough and strong arguments that play in your favor, this can certainly be tried, if this is really not the case, you will have to look for other options to still get the necessary money with a negative BKR.

One way to get extra credit or take out a new loan is to visit a company that will not take this negative BKR into account. As a financial institution, there is no obligation whatsoever to join the BKR. As a result, there are many companies that are separate from the BKR and have their own standards for whether or not to provide a person with credit or a loan, regardless of whether this person has a negative BKR or not. A quick search on the Internet will undoubtedly provide you with a range of companies where you will find your much needed money with your negative BKR. It is important to know that, because of the increased risk, they usually work with a higher interest rate.

Is a Mini Loan a good idea?

Borrowing with a negative BKR is not self-evident, but fortunately there are many solutions today that should enable people to still obtain the desired credit or the appropriate loan. For example, the person in question can still try to obtain his money from a body recognized by the BKR, despite his negative BKR. If you are in better shape in your current financial status than in the past and can demonstrate this in black and white, this is definitely an option you should try. Another way to borrow with a negative BKR is to visit companies that have not affiliated with the BKR. Here the chance is all the greater that you will still get the desired money. Finally, there is also such a thing as the mini loan that can help you a lot further.

The mini loan is the ideal solution if you want to borrow with a negative BKR. It is also a way of borrowing money that is becoming more popular by the day. As the name implies, it is a loan where a mini amount is borrowed from the credit company. Not tens of thousands of US dollars in this case, but usually a few hundred to a few thousand US dollars. A limited amount that is more than enough for many people. You can borrow perfectly with a negative BKR. No check here of your current BKR coding or no analysis of your previous situation. When taking out a mini loan, only the current situation is looked at and the only thing you will have to provide the credit company is a recent pay slip and a valid identity card. In fact, many mini-loans can now be taken out online. Just send a copy of your pay slip and your identity card and you will have the money in your account within a very short period of time. The next time you want to borrow an amount again, even a text message is often enough. Handy to borrow money with a negative BKR.

Opinions, facts & opinions about borrowing money.

Borrowing money is bound by certain rules in most countries. These rules mainly relate to the lenders and concern, for example, the legal requirements that money advertisements or money offers must meet.In the not-too-distant past, any person or agency could borrow money from and to each other without any restrictions on the amount of money, the repayment terms and the amount to be calculated for borrowing. However, it soon became clear that many people got into trouble because they either borrowed too much or had difficulty paying off the loan because, for example, they became unemployed.

The government has since gradually developed legislation to ensure that certain population groups cannot borrow too much and that lenders cannot lend too much to consumers. The banking crisis of global financial institutions has collapsed and many citizens got into trouble. For example, it became clear that American banks had provided too much and excessive mortgage loans to consumers who had no way of paying it back. Too much credit has also been provided on the basis of insufficient collateral. As a result, both banks and consumers have run into major problems, causing a huge financial crisis worldwide and therefore an economic recession.

What is the Netherlands Authority for the Financial Markets (AFM)?

Due to the crisis, the Dutch government has further tightened policy. Borrowing money has therefore become more difficult in the Netherlands, but the risk that both the lender and the consumer run of getting into further financial problems has become much less. The role of supervisory or advisory bodies such as the Netherlands Authority for Financial Competition (AFM) and the Office for Credit Registration (BKR) has become larger and more important. A bank or other lender can still make the final decision itself to provide a credit to a consumer who does not fully meet all requirements, but a bank can ultimately be held liable by consumers if they act carelessly. There are plentiful examples, such as the debacle with the DSB bank, but the countless share lease constructions also turned out to have been sold incorrectly afterwards, as a result of which claims were submitted to the financial institutions via consumer organizations.

Borrowing money in the Netherlands is strict and certainly not easy at the moment, but there are solutions for every (financial) situation in which a consumer finds himself, more about this in the other articles.