Samenvatting Van Aandeel tot Zichtrekening - Financiële producten (32BDM1210)
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Course
Financiële producten (32BDM1210)
Institution
Hogeschool PXL (PXL)
Book
Van aandeel tot zichtrekening
Samenvatting Van Aandeel tot Zichtrekening voor het vak Financiële producten. Heel deel III en deel IV van hoofdstuk 10 to 13. Er zitten ook extra oefeningen in en meerkeuzenvragen opgelost. Belangrijke woorden of benamingen zijn vetgedrukt. Met deze samenvatting te leren behaalde ik een 16 op 20.
Deel iii en deel iv, hoofdstuk 10 tot hoofdstuk 13
January 30, 2024
57
2023/2024
Summary
Subjects
leningen
verzekeringen
kredieten
woonkrediet
consumenten krediet
soort leningen
personen verzekeringen
schadenverzekeringen
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Hogeschool PXL (PXL)
bedrijfsmanagement allround
Financiële producten (32BDM1210)
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Deel III Lenen H10 Consumentenkrediet p. 388 – 399............................................................................4
1 Omschrijving....................................................................................................................................5
2 WER.................................................................................................................................................5
2.1 Bescherming consument..........................................................................................................5
2.2 Solvabiliteitsonderzoek.............................................................................................................7
2.3 Kredietcontract.........................................................................................................................8
3 Soorten............................................................................................................................................8
3.1 Lening op afbetaling (LOA)........................................................................................................8
3.2 Verkoop op afbetaling (VOA)....................................................................................................9
3.3 Financieringshuur.....................................................................................................................9
3.4 Kredietopening of geldreserve................................................................................................10
3.5 Overbruggingskrediet.............................................................................................................11
3.6 Geoorloofde debetstand op een rekening..............................................................................12
4 Garanties/waarborgen bij een consumentenkrediet.....................................................................12
5 Het SECCI-formulier.......................................................................................................................13
6 Rechten en plichten.......................................................................................................................13
7 Einde van de kredietovereenkomst................................................................................................14
8 Checklist verantwoord lenen.........................................................................................................15
Deel III Lenen H11 Woonkrediet p. 400 - 421.......................................................................................16
1 Omschrijving..................................................................................................................................17
2 Hypotheek als waarborg................................................................................................................17
3 Contractueel verplichte verzekeringen..........................................................................................19
3.1 Woningverzekering.................................................................................................................19
3.2 Schuldsaldoverzekering...........................................................................................................19
4 Leningbedrag.................................................................................................................................19
5 WER boek VII betalings- en kredietdiensten..................................................................................20
5.2 Jaarlijks kostenpercentage......................................................................................................20
5.3 Vaste of variabele rentevoet...................................................................................................20
5.4 Dossier- en schattingskosten...................................................................................................21
5.5 Rentekortingen.......................................................................................................................21
6 Rentevoetbepalende factoren.......................................................................................................21
7 Diverse woonkredietformules........................................................................................................22
7.1 Woonkrediet met vaste rentevoet..........................................................................................22
7.2 Woonkrediet met variabele rentevoet....................................................................................22
1
, 7.3 Woonkrediet met variabele looptijd.......................................................................................23
7.4 Bulletkrediet...........................................................................................................................23
8 Aflossingsmethoden......................................................................................................................23
8.1 Met constante mensualiteiten................................................................................................23
8.2 Met vaste kapitaalaflossingen.................................................................................................24
9 Vervroegde terugbetaling en herfinanciering................................................................................24
10 Fiscale behandeling.....................................................................................................................25
Deel III Lenen Uitbreiding professionele kredieten Extra PowerPoint..................................................31
1 Kredieten voor voertuigen.............................................................................................................31
1.1 Krediet op afbetaling...............................................................................................................32
1.2 Financiële leasing....................................................................................................................32
1.3 Operationele leasing...............................................................................................................32
2 Kredieten voor bedrijfsmaterieel...................................................................................................33
2.1 Krediet op afbetaling...............................................................................................................33
2.2 Investeringskrediet.................................................................................................................33
3 Kredieten voor kasbehoeften.........................................................................................................33
3.1 Kaskrediet...............................................................................................................................34
3.2 Krediet op afbetaling (KT).......................................................................................................34
3.3 Straight loan............................................................................................................................34
3.4 Factoring.................................................................................................................................34
4 Kredieten voor onroerend goed.....................................................................................................35
4.1 Investeringskrediet.................................................................................................................35
5 Kredieten inzake risicobeheer........................................................................................................35
5.1 Bankgarantie of verbinteniskrediet.........................................................................................35
6 Kredieten inzake sociale & fiscale uitgaven....................................................................................36
6.1 Krediet voorafbetaling belastingen.........................................................................................36
6.2 Sociaal en fiscaal krediet.........................................................................................................37
Deel IV Verzekeren H12 Verzekeren: Algemeen p. 426 – 452...............................................................40
1 Indeling van het verzekeringsbedrijf..............................................................................................40
2 Wet verzekeringen 4 april 2014 (BS 30/04/2014)..........................................................................40
2.1 Situering..................................................................................................................................40
2.3 Structuur.................................................................................................................................41
2.4 Verzekeringscontract...............................................................................................................41
2.5 Verplichtingen verzekeringnemer/verzekerde........................................................................43
2.6 Totstandkoming van het verzekeringscontract........................................................................44
2.7 Looptijd verzekeringscontract.................................................................................................44
2
, 2.8 Stopzetting verzekeringscontract............................................................................................44
3 Verzekeringsdistributie..................................................................................................................45
3.1 Distributiekanalen...................................................................................................................45
3.2 Marktaandelen.......................................................................................................................46
4 Enkele organisaties........................................................................................................................46
4.1 Commissie voor verzekeringen...............................................................................................46
4.2 Datassur..................................................................................................................................46
4.3 Tariferingsbureau BA Auto......................................................................................................46
4.4 Gemeenschappelijk motorwaarborgfonds..............................................................................47
5 Diverse begrippen..........................................................................................................................47
5.1 Herverzekering........................................................................................................................47
5.2 Medeverzekering....................................................................................................................47
6 Faillissement verzekeringsmaatschappij........................................................................................47
6.1 Dekkingswaarden....................................................................................................................47
6.2 Garantiefonds voor financiële diensten..................................................................................47
Deel IV Verzekeren H13 Overzicht verzekeringsproducten p. 454 – 504...............................................47
1 Indeling van de verzekeringen.......................................................................................................47
1.1 Indeling o.b.v. al dan niet verplicht karakter...........................................................................47
1.2 Indeling o.b.v. wettelijke bepalingen.......................................................................................48
2 Schadeverzekeringen: aansprakelijkheidsverzekeringen................................................................48
2.1 Familiale verzekering = BA privéleven = gezinspolis................................................................48
2.2 BA Auto...................................................................................................................................49
2.3 Premie BA Auto.......................................................................................................................49
2.4 Beroepsaansprakelijkheidsverzekering (BAV)..........................................................................49
2.5 BA Uitbating............................................................................................................................49
2.6 Bestuurdersaansprakelijkheidsverzekering.............................................................................49
2.7 Cyberpolis...............................................................................................................................49
2.8 Aansprakelijkheidsverzekering architecten, aannemers en andere dienstverleners in de
bouwsector...................................................................................................................................50
3 Schadeverzekeringen: zaakverzekeringsovereenkomsten..............................................................50
3.1 Woningverzekering = brandverzekering..................................................................................50
3.2 Omniumverzekering................................................................................................................51
3.3 Reisverzekering.......................................................................................................................51
3.4 Machinebreukverzekering......................................................................................................52
3.5 Alle-bouwplaats-risicoverzekering = ABR................................................................................52
3.6 Kredietverzekering..................................................................................................................52
Deel III Lenen
H10 Consumentenkrediet
p. 388 – 399
Onderdeel intermediatiefunctie KI = kredietverlening
Aan particulieren
4
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