{"id":5992,"date":"2022-11-11T23:00:00","date_gmt":"2022-11-11T23:00:00","guid":{"rendered":"https:\/\/senhorcartao.com\/?p=5992"},"modified":"2022-11-10T19:55:44","modified_gmt":"2022-11-10T19:55:44","slug":"pedir-credito-habitacao","status":"publish","type":"post","link":"https:\/\/senhorcartao.com\/nl\/pedir-credito-habitacao\/","title":{"rendered":"Bereid u financieel voor op het aanvragen van woonkrediet! Bekijk 7 tips die je kunnen helpen"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-prepare-se-financeiramente-para-pedir-credito-habitacao-e-aumente-suas-chances-de-fazer-um-bom-negocio\">Bereid u financieel voor op het aanvragen van woonkrediet en vergroot uw kansen op een goede deal<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-image size-large\"><img width=\"1024\" height=\"682\" loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-1024x682.jpg\" alt=\"casa ao fundo em meio ao verde da mata \" class=\"w-full object-cover object-center border mx-auto wp-image-5996\" srcset=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-1024x682.jpg 1024w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-300x200.jpg 300w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-768x512.jpg 768w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Ontdek hier alles over het onderwerp. Bron: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Een woning kopen is iets serieus en vergt aandacht en voorbereiding! Daarom is het essentieel dat u zich financieel voorbereidt op het aanvragen van woonkrediet voordat u dit aanvraagt.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZGxkYC\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorcartao.com\/nl\/o-que-e-credito-habitacao\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Wat is een woonlening? Ontdek vandaag nog hoe het werkt, de soorten en de voorwaarden\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/o-que-e-um-credito-habitacao-1.jpg\" alt=\"chave na porta de uma casa que foi adquirida com uso de cr\u00e9dito habita\u00e7\u00e3o\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorcartao.com\/nl\/o-que-e-credito-habitacao\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Wat is een woonlening? Ontdek vandaag nog hoe het werkt, de soorten en de voorwaarden\">\n            Wat is een woonlening? Ontdek vandaag nog hoe het werkt, de soorten en de voorwaarden        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Denkt u erover om een woning te bouwen, renoveren of kopen? Ontdek dus wat een woonlening is, wat de soorten en doeleinden ervan zijn en wat u moet doen om er een te krijgen. Lees hieronder ons volledige artikel!\n\n\n        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorcartao.com\/nl\/o-que-e-credito-habitacao\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Keep Reading            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorcartao.com\/nl\/o-que-e-credito-habitacao\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/o-que-e-um-credito-habitacao-1.jpg\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Wat is een woonlening? Ontdek vandaag nog hoe het werkt...              <\/p>\n              <a href=\"https:\/\/senhorcartao.com\/nl\/o-que-e-credito-habitacao\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Keep Reading                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                You will remain in the same website              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Op dit punt zijn er verschillende stappen die uw aandacht moeten hebben. Ook zorg en details die niet aan het oog kunnen ontsnappen. In feite is dit alles essentieel om goed zaken te kunnen doen. Volg daarom onderstaande tips!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Tips voor het voorbereiden en aanvragen van woonkrediet<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Om het afsluiten van een goede deal en de financi\u00eble draagkracht om de termijnen van een woonlening te kunnen betalen te garanderen, is het belangrijk om, net als u door het lezen van deze tekst, veel over het onderwerp te weten te komen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ga dus verder en bekijk belangrijke tips over hoe u zich kunt voorbereiden op het aanvragen van woonkrediet. Win dus goede deals en verwerf eindelijk het onroerend goed waar u van droomde!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-1-valor-de-entrada\">1 \u2013 Instapwaarde<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Als u een woning wilt kopen, is het belangrijk om hier vanaf het begin rekening mee te houden. U moet immers over spaargeld beschikken dat u als aanbetaling kunt presenteren.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ook al zijn er woningkredieten die een financiering van 100% van de waarde van het onroerend goed bieden, dit is immers niet de beste keuze. Dit komt omdat de waarde van de termijnen hoger zal zijn, evenals de geldende rente. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ook omdat dit de mogelijkheden bij het aannemen van personeel enorm beperkt. Daarom is het belangrijk om jezelf te organiseren om het toegangsgeld beschikbaar te hebben. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De meest voorkomende (en aanbevolen) is dat u minimaal 20% van de waarde van het onroerend goed heeft. Om dit te doen, kunt u nu:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Vergroot de budgetcontrole;<\/li><li>Zoeken naar bronnen van extra inkomsten;<\/li><li>Bespaar onnodige uitgaven;<\/li><li>Voer investeringen uit waarvan de toekomstige inkomsten zullen worden gebruikt om de inzending te presenteren.<\/li><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-2-garanta-que-seu-nome-esta-limpo\">2 \u2013 Zorg ervoor dat je naam schoon is<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Als u doorgaat met de stappen om huurtoeslag aan te vragen, is het van cruciaal belang dat uw naam schoon is. Met andere woorden: hij staat niet ingeschreven op de zwarte lijst van de Banco de Portugal, een document dat maandelijks wordt bijgewerkt.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Het vermeldt degenen die te laat zijn met het betalen van hun schulden en \u2018vervuilt\u2019 de naam van de consument, die geen nieuwe kredietovereenkomsten kan afsluiten. Zorg er dus voor dat je naam schoon is.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Om dit te doen, kunt u snel online zoeken op de website van Banco de Portugal. Als er schulden zijn geregistreerd, probeer er dan zo snel mogelijk over te onderhandelen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pas als uw naam duidelijk is (na betaling van de openstaande schulden) kunt u de lening aanvragen. Bereid u dus voor op het aanvragen van woonkrediet!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z2oSa6a\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorcartao.com\/nl\/saber-lista-negra-do-banco-de-portugal\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Ontdek of u op de zwarte lijst van Banco de Portugal staat en hoe u hieruit komt: stap voor stap!\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/02\/lista-negra-de-devedores-banco-de-portugal-4-1200.png\" alt=\"logotipo Fonte: Banco de Portugal YouTube\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorcartao.com\/nl\/saber-lista-negra-do-banco-de-portugal\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Ontdek of u op de zwarte lijst van Banco de Portugal staat en hoe u hieruit komt: stap voor stap!\">\n            Ontdek of u op de zwarte lijst van Banco de Portugal staat en hoe u hieruit komt: stap voor stap!        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Weten of u op de zwarte lijst van Banco de Portugal staat, is essentieel voor iedereen die contracten heeft met financi\u00eble diensten. Leer vandaag nog hoe u kunt controleren of u op de lijst staat en hoe u er weer vanaf kunt komen!\n\n        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorcartao.com\/nl\/saber-lista-negra-do-banco-de-portugal\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Keep Reading            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorcartao.com\/nl\/saber-lista-negra-do-banco-de-portugal\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/02\/lista-negra-de-devedores-banco-de-portugal-4-1200.png\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Ontdek of u op de zwarte lijst van Banco de Portugal staat en hoe u eruit kunt komen...              <\/p>\n              <a href=\"https:\/\/senhorcartao.com\/nl\/saber-lista-negra-do-banco-de-portugal\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Keep Reading                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                You will remain in the same website              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-3-separe-a-documentacao\">3 \u2013 Scheid de documentatie<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Om een woonlening aan te vragen, moet u een aantal belangrijke documenten overleggen. Scheid daarom de volgende documentatie:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Identificatiedocument (of verblijfsvergunning);<\/li><li>Bewijs van inkomen van de afgelopen 3 tot 6 maanden (respectievelijk voor formele werknemers of zelfstandigen);<\/li><li>Verklaring van de werkgever (voor formele werknemers);<\/li><li>Bankafschriften van de laatste 3 tot 6 maanden (respectievelijk voor formele werknemers of zelfstandigen);<\/li><li>IRS-aangifte met betalingsbewijs;<\/li><li>Kaart met de verantwoordelijkheden van Banco de Portugal.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dit laatste document is, evenals de zwarte lijst, beschikbaar op de website van Banco de Portugal. Het is belangrijk omdat het een samenvatting geeft van het financi\u00eble leven van consumenten.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-4-estude-sobre-financas-e-emprestimos-para-conhecer-os-termos-e-entender-as-propostas-e-contratos\">4 \u2013 Bestudeer financi\u00ebn en leningen om de voorwaarden te kennen en de voorstellen en contracten te begrijpen<\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-image size-large\"><img width=\"1024\" height=\"682\" loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-1-1024x682.jpg\" alt=\"varanda com uma mesa e cadeiras \" class=\"w-full object-cover object-center border mx-auto wp-image-5995\" srcset=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-1-1024x682.jpg 1024w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-1-300x200.jpg 300w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-1-768x512.jpg 768w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-1.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Studeer hard om huurtoeslag aan te kunnen vragen. Bron: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Als u doorgaat met de essenti\u00eble voorbereidingen voor het aanvragen van woonkrediet, weet dan dat dit een goed moment is om financi\u00ebn te studeren en meer te leren over de financi\u00eble wereld en kredieten. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Het is bijvoorbeeld belangrijk om te weten welke soorten vergoedingen, hoe deze van toepassing zijn en andere details. Ze maken immers deel uit van een financi\u00eble verplichting die u aangaat. Daarom is het essentieel om te weten wat de impact op uw financi\u00ebn zal zijn.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Probeer daarom het nieuws over de financi\u00eble markt te volgen en de financi\u00eble publicaties te bestuderen die online beschikbaar zijn, ok\u00e9? Like de berichten van Mr Card!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-5-conheca-os-prazos-de-quitacao-de-acordo-com-as-faixas-etarias\">5 \u2013 Ken de betalingstermijnen volgens leeftijdsgroepen<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Een van de belangrijke factoren bij het aanvragen van woonkrediet zijn de betalingstermijnen. Banco de Portugal hanteert maximale termijnen afhankelijk van de leeftijdsgroep van de consument. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Tot 30 jaar: 40 jaar afbetalen;<\/li><li>31 t\/m 35 jaar: Tot 37 jaar tegen betaling;<\/li><li>36 jaar of ouder: 35 jaar ontslag.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En hoewel alle banken deze regelgeving volgen, moet u er rekening mee houden dat dit maximale deadlines zijn. Ze komen dus overeen met het plafond, maar de bank biedt mogelijk minder tijd.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-6-saiba-quais-sao-as-instituicoes-com-as-melhores-condicoes\">6 \u2013 Ontdek welke instellingen de beste voorwaarden hebben<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Voor de voorbereiding op het aanvragen van woonkrediet is ook kennis nodig van waar u deze kunt aanvragen. Dat wil zeggen, welke banken u kunnen helpen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Probeer hiervoor meer te weten te komen over bankinstellingen. Bekijk welke regels iedereen hanteert en wat de gemiddelde leenvoorwaarden zijn.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ontdek ook wat het imago van de instelling is in de markt en bij de consument. Voer ook kredietsimulaties uit. Hiermee kunt u de voorwaarden van elk ervan kopen en weten wie de meest gunstige regels heeft.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-7-seja-intimo-do-seu-orcamento\">7 \u2013 Wees intiem met uw budget<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Voordat u woonkrediet aanvraagt, is het essentieel dat u uw budget kent. U gaat immers een schuld aan die u jarenlang zal vergezellen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>U moet er dus zeker van zijn dat u de termijnen kunt betalen. Anders kunt u een slechte naam krijgen en uw eigendom verliezen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Schrijf dus al je uitgaven op. Denk aan zowel de korte als de lange termijn. Schrijf ook de vaste en variabele kosten op.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Overweeg ook wat uw inkomen is en uw verwachtingen dat dit zal stijgen of dalen. Zorg er ook voor dat u scenario&#039;s analyseert waarin u geen salarisinkomen meer heeft.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dit alles helpt je georganiseerd te blijven. Kijk ook naar oplossingen, zoals wachten met het aanvragen van krediet, noodsparen of extra inkomen zoeken.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bovendien zijn deze overwegingen relevant omdat ze helpen bij het kiezen van kredietrentetarieven (gemengd, variabel of vast).<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Wil je tot slot meer weten over woonkrediet? Ga dan naar onderstaand artikel! Daarin leggen we uit wat de typen zijn, wat de kenmerken zijn en hoe de tarieven werken. Uitchecken!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z12yY1H\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorcartao.com\/nl\/tipos-de-taxa-de-credito-habitacao\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Welke soorten woningkredieten zijn er? Ontdek hoe ze werken!\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/tipos-de-taxa-de-credito-habitacao-1.jpg\" alt=\"pessoa com uma chave nas m\u00e3os\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorcartao.com\/nl\/tipos-de-taxa-de-credito-habitacao\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Welke soorten woningkredieten zijn er? Ontdek hoe ze werken!\">\n            Welke soorten woningkredieten zijn er? Ontdek hoe ze werken!        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Er zijn grofweg 3 soorten woningkredieten, met verschillende kenmerken en voordelen voor de consument. Daarom is het essentieel om ze te kennen voordat u een deal sluit. Ontdek wat ze zijn en hoe ze werken.\n\n        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorcartao.com\/nl\/tipos-de-taxa-de-credito-habitacao\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Keep Reading            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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Uitvinden hoe\u2026              <\/p>\n              <a href=\"https:\/\/senhorcartao.com\/nl\/tipos-de-taxa-de-credito-habitacao\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Keep Reading                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                You will remain in the same website              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Denkt u erover om een woning te kopen? Bereid je dus voor op het aanvragen van woonkrediet met onze tips. Hiermee vergroot u uw kansen op een succesvolle operatie! Uitchecken!<\/p>","protected":false},"author":4,"featured_media":5994,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[3,5],"tags":[10,244,1603],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Prepare-se financeiramente para pedir cr\u00e9dito habita\u00e7\u00e3o! Veja 7 dicas que lhe ajudar\u00e3o - Senhor Cart\u00e3o<\/title>\n<meta name=\"description\" content=\"Quer seu im\u00f3vel pr\u00f3prio? Ent\u00e3o voc\u00ea vai amar as dicas que separamos para ajudar. 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