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Samenvatting Kredieten aan particulieren deel 2
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Samenvatting van de cursus Kredieten aan particulieren deel 2 Er is ook een deel 1 en 3. Bij de aankoop van 3 delen kunnen we een prijs afspreken.
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2019Kredieten aan particulieren
DEEL 2: HET HYPOTHECAIR KREDIET
HO GENT | 2 FV/B
,Inhoud
Inleiding ........................................................................................................................................... 4
Het aankoopproces ......................................................................................................................... 5
2.1. Inleiding ................................................................................................................................... 5
2.2. Onderhandelingsproces .......................................................................................................... 5
2.3. Van “compromis” tot koopakte .............................................................................................. 6
2.4. Oriëntatie op de hypotheekmarkt........................................................................................... 6
2.5. Fasen in de totstandkoming van het hypothecair krediet ...................................................... 6
2.5.1. Reclame ........................................................................................................................... 6
2.5.2. Prospectus ....................................................................................................................... 6
2.5.3. Aanvraag .......................................................................................................................... 6
2.5.4. Kredietonderzoek ............................................................................................................ 6
2.5.5. Aanbod ............................................................................................................................ 7
2.5.6. Kredietovereenkomst ...................................................................................................... 7
2.5.7. Toegevoegde en aangehechte contracten ...................................................................... 7
2.5.8. Koppelverkoop vs Gebundelde verkoop ......................................................................... 7
De wettelijke beginselen van het hypothecair krediet ................................................................... 8
3.1. Toepassingsgebied .................................................................................................................. 8
3.2. Hypothecaire waarborgen....................................................................................................... 8
3.3. Rentevoet ................................................................................................................................ 8
3.4. Kosten en vergoedingen .......................................................................................................... 9
Kosten ............................................................................................................................................ 10
4.1. Kosten verbonden aan de aankoop van een onroerend goed .............................................. 10
4.1.1. BTW bij bouw of aankoop van nieuwbouw en bij verbouwingen................................. 10
4.1.2. Kosten bij onderhandse verkoop .................................................................................. 10
4.1.3. Openbare verkoop......................................................................................................... 12
4.2. Kosten verbonden aan het hypothecair krediet ................................................................... 13
4.2.1. Kosten aangerekend door de kredietverstrekker ......................................................... 13
4.2.2. Kosten aangerekend door de notaris ............................................................................ 13
4.2.3. Kosten tijdens de looptijd van het hypothecair krediet ................................................ 13
Formules hypothecaire kredieten ................................................................................................. 14
5.1. Kredietopening of lening ....................................................................................................... 14
5.2. Volgens looptijd ..................................................................................................................... 14
5.3. Volgens wijze van terugbetaling............................................................................................ 14
5.3.1. Terugbetaling met gelijke mensualiteiten..................................................................... 14
5.3.2. Terugbetaling met vaste kapitaalsaflossingen .............................................................. 14
1
, 5.3.3. Terugbetaling met progressieve aflossingen................................................................. 14
5.3.4. Bulletkrediet (krediet op vaste termijn) ........................................................................ 14
5.3.5. Gemengde vorm ............................................................................................................ 14
5.4. Volgens rente ........................................................................................................................ 15
5.4.1. Vaste rentevoet ............................................................................................................. 15
5.4.2. Variabele rentevoet ....................................................................................................... 15
5.4.3. Tarieven ......................................................................................................................... 15
5.5. Specifieke formules ............................................................................................................... 15
5.5.1. Wedersamenstelling met een levensverzekering ......................................................... 15
5.5.2. Overbruggingskrediet .................................................................................................... 15
5.5.3. Sociale lening ................................................................................................................. 15
5.6. Variaties ................................................................................................................................. 15
5.6.1. Flexibiliteit bij aanvraag krediet .................................................................................... 15
5.6.2. Flexibiliteit tijdens looptijd van het krediet................................................................... 16
5.7. Creative trends op de markt ................................................................................................. 16
5.7.1. Omgekeerde of opeethypotheek .................................................................................. 16
5.7.2. Koop op lijfrente ............................................................................................................ 16
5.7.3. Koop op erfpacht ........................................................................................................... 16
5.8. Moeilijke keuze: markteconomische situatie ........................................................................ 16
Risicoanalyse en kredietacceptatie ............................................................................................... 17
6.1. Kredietaanvrager(s) ............................................................................................................... 17
6.1.1. Identiteit en geschiktheid .............................................................................................. 17
6.1.2. Huwelijksregime ............................................................................................................ 17
6.1.3. Stabiliteit ....................................................................................................................... 19
6.1.4. Inkomsten versus schuldenlast ..................................................................................... 19
6.2. Doel, type en bedrag van het krediet .................................................................................... 20
6.2.1. Doel van het krediet ...................................................................................................... 20
6.2.2. Type krediet ................................................................................................................... 20
6.2.3. Bedrag van het krediet .................................................................................................. 20
6.3. Zekerheden............................................................................................................................ 20
6.3.1. Onroerende zekerheden ............................................................................................... 20
6.3.2. Roerende zekerheden ................................................................................................... 21
6.3.3. Verzekeringen................................................................................................................ 22
6.3.4. Persoonlijke zekerheden ............................................................................................... 22
6.3.5. Overdracht van schuldvordering (loonbeslag) .............................................................. 22
Fiscaliteit van het woonkrediet ..................................................................................................... 24
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