Samenvatting Wft Hypothecair Krediet 2022 - meest recente lesstof van Lindenhaeghe
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WFT Hypothecaire krediet
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WFT Hypothecaire Krediet
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Wft Hypothecair krediet
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Inhoud ..................................................................................................................................................... 1
1. Het kopen van een woning ................................................................................................................ 14
1.1 Woonuitgaven ............................................................................................................................. 14
1.1.1 Huursector ............................................................................................................................ 14
1.1.2 Koopsector............................................................................................................................ 14
1.1.3 De markt voor woningen ...................................................................................................... 14
1.2 Overwegingen bij het aankopen of huren van een woning ........................................................ 15
1.3 De hypotheekmarkt..................................................................................................................... 16
1.3.1 De vraagkant van de hypotheekmarkt ................................................................................. 16
1.3.2 De aanbodkant van de hypotheekmarkt .............................................................................. 16
1.3.3 Keuze hypotheekverstrekker en distributie ......................................................................... 16
1.4 Vormen van dienstverlening ....................................................................................................... 17
1.4.1 Execution only ...................................................................................................................... 17
1.4.2 Advies ................................................................................................................................... 17
1.5 Beloning van de adviseur ............................................................................................................ 17
1.5.1 Bestaande producten ........................................................................................................... 18
1.6 Het aankoopproces ..................................................................................................................... 18
1.6.1 De makelaar.......................................................................................................................... 18
1.6.2 Verkoop woning ................................................................................................................... 19
1.7 De koopovereenkomst ................................................................................................................ 19
1.7.1 Wettelijke regels bij koop ..................................................................................................... 19
1.7.2 Ontbindende voorwaarden .................................................................................................. 21
1.7.3 De gegevens van de koper en de verkoper .......................................................................... 21
1.7.4 De gegevens van de onroerende zaak.................................................................................. 22
1.7.5 Garanties in de koopovereenkomst ..................................................................................... 22
1.7.6 Overige aspecten .................................................................................................................. 23
1.8 Het taxatierapport ....................................................................................................................... 23
1.9 De notaris .................................................................................................................................... 24
1.9.1 De transport- en hypotheekakte .......................................................................................... 25
1.10 Overdrachtsbelasting ................................................................................................................ 26
1.11 Onroerendezaakbelasting en milieuheffingen .......................................................................... 28
2. Juridische aspecten ........................................................................................................................... 29
2.1 Het eigendomsrecht .................................................................................................................... 29
2.1.1 Private en publiekrechtelijke gebruiksbeperkingen op eigendom....................................... 29
2.2 Het goederenrecht ...................................................................................................................... 30
2.3 Het hypotheekrecht .................................................................................................................... 31
, 2.3.1 Kenmerken recht van hypotheek ......................................................................................... 31
2.3.2 Gevolgen van het geven van het recht van hypotheek ........................................................ 32
2.4 Hypotheekstellingen.................................................................................................................... 34
2.5 De hypotheekakte ....................................................................................................................... 35
2.5.1 Gebruikelijke bedingen in de hypotheekakte ...................................................................... 35
2.5.2 Passeren akte ....................................................................................................................... 36
2.5.3 Inschrijving akte.................................................................................................................... 36
2.5.4 Uittreksels naar notaris, geldverstrekker en klant ............................................................... 36
2.6 Aanvullende zekerheden ............................................................................................................. 37
2.6.5 Medeonderzetting ................................................................................................................ 38
2.6.6 Verpanden polis, spaarrekening of beleggingsrecht eigen woning ..................................... 38
2.6.7 Hypothecairbelangverzekering ............................................................................................ 38
2.6.8 Zekerheden bij overbrugging ............................................................................................... 38
3. Inventariseren ................................................................................................................................... 40
3.1 Wettelijke regels omtrent het advies .......................................................................................... 40
3.2 Het klantprofiel............................................................................................................................ 40
3.3 Het huwelijksgoederenregime .................................................................................................... 40
3.3.1 Beperkte gemeenschap van goederen ................................................................................. 40
3.3.2 Algehele gemeenschap van goederen ................................................................................. 43
3.3.3 Huwelijkse voorwaarden ...................................................................................................... 43
3.4 Gehuwd en overlijden met een eigen woning ............................................................................ 45
3.5 Ontbinding van het huwelijk ....................................................................................................... 45
3.6 Geregistreerde partners .............................................................................................................. 45
3.7 Huwelijkse periode en huwelijkse gemeenschap........................................................................ 46
3.8 Ongehuwd samenwonen ............................................................................................................ 46
3.9 Toestemmingsvereisten .............................................................................................................. 47
3.10 Schenking................................................................................................................................... 47
3.10.1 Vrijstellingen schenkbelasting ............................................................................................ 47
3.10.2 Verhoogde vrijstelling eigen woning .................................................................................. 47
3.10.3 180-dagenfictie................................................................................................................... 49
3.10.4 Jongere partner .................................................................................................................. 49
3.10.5 Belasting ............................................................................................................................. 49
4. De hypotheekanalyse en het advies.................................................................................................. 50
4.1 Maximale verstrekkingsnormen .................................................................................................. 50
4.1.1 Maximale leennorm ............................................................................................................. 50
4.1.2 Maximaal hypothecair krediet op basis van inkomen.......................................................... 50
4.1.3 Maximaal hypothecair krediet op basis van zekerheid ........................................................ 55
4.2 Aflosvormen ................................................................................................................................ 57
, 4.2.1 De lineaire hypotheek .......................................................................................................... 57
4.2.2 De annuïteitenhypotheek..................................................................................................... 60
4.2.3 Keuze aflossingsvorm ........................................................................................................... 62
4.3 Hypotheekrente .......................................................................................................................... 62
4.3.1 Hoogte hypotheek t.o.v. de marktwaarde van de woning................................................... 62
4.3.2 De rentevastperiode............................................................................................................. 63
4.4 Nationale Hypotheek Garantie (NHG) ......................................................................................... 64
4.4.2 NHG-normen m.b.t. LTV-ratio .............................................................................................. 67
4.4.3 NHG-normen m.b.t. LTI-ratio ............................................................................................... 69
4.4.4 Overige normen NHG ........................................................................................................... 70
4.5 Stimuleringsfonds Volkshuisvesting (SVn) .................................................................................. 74
4.5.1 SVn Starterslening ................................................................................................................ 74
5. Wet IB 2001 en de eigen woning ...................................................................................................... 75
5.1 Wet IB 2001 ................................................................................................................................. 75
5.1.1 Overzicht heffingsgrondslag en verschuldigde IB ................................................................ 75
5.1.3 Fiscaal partnerschap ............................................................................................................. 76
5.1.4 Box 1: werk en woning ......................................................................................................... 77
5.1.5 Tarief box 1 ........................................................................................................................... 77
5.1.6 Heffingskorting ..................................................................................................................... 78
5.1.7 Netto-inkomen en netto besteedbaar inkomen .................................................................. 79
5.2 Het eigenwoningbegrip in de Wet IB 2001 ................................................................................. 80
5.2.1 De aard van de woning ......................................................................................................... 80
5.2.2 Het gebruik ........................................................................................................................... 80
5.2.3 Het juridische en economische verhouding ......................................................................... 80
5.3 Inkomsten uit eigen woning ........................................................................................................ 81
5.3.1 Renten van schulden die behoren tot de EWS ..................................................................... 81
5.3.2 Eigenwoningforfait ............................................................................................................... 81
5.3.4 Voorlopige teruggave ........................................................................................................... 82
5.4 Bijtelling eigenwoningforfait en beperking aftrek kosten eigen woning .................................... 82
5.4.1 Aftrek wegens geen of geringe EWS .................................................................................... 82
5.4.2 Beperking (hypotheek)renteaftrek hogere inkomens.......................................................... 83
5.5 De aftrekbare kosten ................................................................................................................... 84
5.5.1 Aankoop- en financieringskosten ......................................................................................... 84
5.5.2 Periodieke betalingen van rechten van erfpacht, opstal of beklemming ............................ 84
5.5.3 Renteaftrek van de lening voor een verbouwing ................................................................. 85
5.5.4 Renteaftrek bij een nieuwbouwwoning ............................................................................... 87
5.5.5 Gemengde leningen ............................................................................................................. 89
5.5.6 Overzicht aftrekbare kosten ................................................................................................. 90
, 6. Het langlevenrisico ............................................................................................................................ 91
6.1 De Algemene Ouderdomswet (AOW) ......................................................................................... 91
6.1.1 De AOW-leeftijd ................................................................................................................... 91
6.1.2 De groep verzekerden .......................................................................................................... 91
6.1.3 De hoogte van de uitkering .................................................................................................. 92
6.2 Het werknemerspensioen ........................................................................................................... 92
6.2.1 Soorten pensioen ................................................................................................................. 93
6.3 De pensioenovereenkomst ......................................................................................................... 93
6.3.1 Uitvoeringsovereenkomst .................................................................................................... 94
6.3.2 Pensioenovereenkomst ........................................................................................................ 94
6.4 De hoogte van het ouderdomspensioen ..................................................................................... 94
6.4.1 Het pensioengevend salaris.................................................................................................. 95
6.4.2 De AOW-franchise ................................................................................................................ 96
6.4.3 Het opbouwpercentage........................................................................................................ 96
6.4.4 De uitkeringsovereenkomst ................................................................................................. 97
6.4.5 De kapitaal- en premieovereenkomst .................................................................................. 98
6.5 De pensioencommunicatie .......................................................................................................... 99
6.5.1 Pensioen 1-2-3 ...................................................................................................................... 99
6.5.2 Het Uniform Pensioenoverzicht (UPO)............................................................................... 100
6.6 Het pensioenregister ................................................................................................................. 100
6.7 De AOW-leeftijd en de pensioenleeftijd ................................................................................... 100
7. Overlijden ........................................................................................................................................ 101
7.1 De Algemene nabestaandenwet (Anw)..................................................................................... 101
7.1.1 Soorten Anw-uitkeringen ................................................................................................... 101
7.1.2 Hoogte van de Anw-uitkering............................................................................................. 101
7.1.3 Beëindiging van de uitkering .............................................................................................. 102
7.2 De hoogte van het nabestaandenpensioen .............................................................................. 103
7.2.1 Nabestaandenpensioen...................................................................................................... 103
7.2.2 Samenwoners en partnerpensioen .................................................................................... 103
7.3 De overlijdensrisicoverzekering ................................................................................................ 104
7.3.1 Premiebetaling ................................................................................................................... 104
7.3.2 Tussentijdse beëindiging .................................................................................................... 104
7.3.3 Varianten op de tijdelijke overlijdensrisicoverzekering (ORV) ........................................... 104
7.4 Het erfrecht ............................................................................................................................... 105
7.4.1 Wettelijk erfrecht ............................................................................................................... 105
7.4.2 Bloedverwantschap ............................................................................................................ 105
7.4.3 Aanverwantschap ............................................................................................................... 106
7.4.4 De wettelijke verdeling....................................................................................................... 106
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