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Tentamen AEW april 2015
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Uitwerking tentamen AEW april 2015
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By: 1080540 • 5 year ago
By: thijsmertens • 6 year ago
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Tentamen AEW april 2015Onderdeel 1 Multiple choice
1) C
Januari t/m april: (0,75%*€235.000)/12*4= €587,50
Mei t/m december: (1,25%*€235.000)/12*8= €1.958,33 +
Totaal EWF: €2.545,83
2) D C D is niet juist omdat ze per 01-12 stopt met verhuren, dus op 31-12 is het wel een EW.
C is juist omdat het geen EW meer is op het moment van scheiding.
3) D Weekend telt als 1 dag, maar dit mag niet in het weekend vallen dus maandag
4) D
5) B
6) €71.000 + (€2.000 -/- €15.000)=€58.000
€19.822*36,5%= €7.235,03
€13.767*42%= €5.782,14
€23.996*42%= €10.078,32
€415*52%= €215,80+
Totaal box 1: €23.311,29
Hypotheekrente aftrek: €13.000
1% * €13.000 = €130
€130+ €23.310 = €23.440 dus antwoord B
7) D, lineair want dan worden de kosten steeds lager lost ze het snelste af.
8) D, want (€350*12 maanden)*30 jaar= €126.000 premie
200.000 -/- €126.000 = €74.000
B
Formule :
€200.000 -/- €161.500 x (€200.000 -/- €126.000) = €14.245
€200.000
9) B
EWR: €205.000 -/- €155.000 = €50.000
Nieuwe woning: €315.000
EWR: €50.000 -/-
Maximale EWS: €265.000
€155.000 over 298 maanden (62 maanden voorbij)
€110.000 over 30 jaar
10) A
Onderdeel 2 casus
Vraag 1
A) Inkomen:
(€45.000 + €38.000 + €52.000 )/3 = €45.000
Woonquote: 27%
Stap 1 €45.000*27%= €12.150
Stap 2 €1.300*2%*12= €312
Besteedbaar inkomen: €11.838
Stap 3 /12
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