Take out your first loan
Do you want to take out your first loan? Then that can sometimes be quite a challenge. To help you further in the choices you have to make, we are happy to give you some tools. So you know what you could take into account. Taking out the first loan has some more challenges. First of all it is of course completely new to you, and secondly you will soon notice that not all banks are directly interested in taking out a loan with consumers for whom it is the first loan. But why is it so difficult to take out your first loan?
It is difficult to take out your first loan?
If you are going to take out your first loan, you probably expect that you will at least receive the lowest interest rates in the Netherlands. After all, you do not have any negative Banker registrations, in fact, you do not have any Banker registration at all. A nice clean Banker. Never needed a loan, it seems ideal for the banks. Yet the truth is different, the bank looks very critically at people with a so-called “unknown Banker”. There are a number of reasons for this.
For example, banks have multiple negative experiences with consumers with an unknown Banker. The disadvantage is that, according to the banks, it is mostly consumers who are not used to an extra monthly obligation. And the banks do not know whether you can handle this. This is different for consumers who have previously borrowed. It is visible here that, with a well-known and good Banker, they could have taken out loans earlier. And were able to repay these on time.
In addition, there is another reason why banks are critical. The percentage of fraud cases is higher for consumers with a so-called unknown Banker than for consumers with a known Banker. An additional reason for banks to be cautious.
Where can you go to make your first loan possible?
Take out your first loan? We are happy to help you further. Our expert and qualified advisors are happy to help you. We will inform you as well as possible about the possibilities and borrow money. Advice on borrowing money is always free of charge and without obligation. So you certainly don’t have to leave it at that.