You can choose to take out a loan
Do you have a negative banker registration? Then you can choose to take out a loan with our Belgian neighbors in the south. You then bypass a banker test. If you have one
take out a loan in Belgium, this is therefore not listed with the banker. In addition, it may also be that taking out a loan is much cheaper in Belgium than in the Netherlands.
Borrowing money in the Netherlands or Belgium both have many advantages or disadvantages. Many affordable loans can be found in both countries. So the question is what is the most attractive for you.
Why would you as a Dutchman want to borrow money in Belgium?
If you have a negative banker registration, it can of course be very interesting to borrow money in Belgium. At our southern neighbors there are less stringent requirements for borrowing money than in our country. It is of course not without reason that strict requirements are set in the Netherlands for providing credit. This is done to protect you, the borrower and the lender against risks. Borrowing money, costs money. If you already have a loan, it is often more sensible to take out a new loan once you have repaid the other loan.
If you have a loan, but still want to open a new one, it is therefore possible to take out one in Belgium. You can do this in two ways. For example, it is possible to take out a loan online, but you can also do this by telephone. For this you can contact a Belgian lender.
In the Netherlands, lenders perform a banker test. If you do not want this, you can of course take out a loan in Belgium.
Interesting Conditions (online) Borrow Money
In addition to the fact that no banker test is being carried out in Belgium, there are often also more attractive conditions linked to a loan.
If you do not find the conditions that Dutch lenders have attractive, then you can also opt to take out a loan in Belgium. After all, it may be that the interest rate is a lot lower than that of a similar loan in the Netherlands. In addition, Belgian lenders are often somewhat more flexible when it comes to staggered payments.
Which Questions Are Asked?
Of course you cannot just take out a loan in Belgium. Just like in the Netherlands, Belgian lenders set a number of requirements. For example, you must have a monthly income. Requirements are also set for your home situation. If you request a quote, you will be asked numerous questions about your income, your home situation and your work. Based on this information, the lender gains a little more insight into your situation and it can be determined whether you can take out a loan.
Why in Belgium?
It is of course understandable that you will be asked why you want to take out a loan in Belgium. This question is asked to you because there are also countless possibilities in the Netherlands. The reason you can state is that you want to take out a loan in Belgium, because you do not want a banker test or because you do not find the conditions of Dutch lenders attractive.