Studieschuld verzwijgen? Dit zijn de gevolgen voor je hypotheek | 🎙️ Hypotheken Podcast #21

Student debt? Hiding it can have serious consequences! In this episode of the All About Mortgages podcast, Hergen and Marc delve into a sensitive but timely topic: student debt. How much influence does this debt have on your maximum mortgage? What are the risks of concealing it? And how does it actually work with old versus new systems? With a generous dose of practical examples, current events, and insights from Viisi's own research, this is a must-listen for every first-time buyer. 📌 Also in this episode: 📢 News: house prices, nitrogen, and a new subsidy fund for first-time buyers ❓ Fact or Fiction: Can you negotiate your interest rate? 💡 Listener question: What if you previously concealed your student debt? #studentdebt #mortgageadvice #mortgage #housingmarket #buyingahome #first-timebuyer #viisi #duo #mortgage2025 #bkr #housingshortage #fraud #interestrate #maximummortgage #allaboutmortgages #moneymatters ⏱️ Table of Contents 00:00 – Introduction by Hergen & Marc 00:51 – How quickly can you arrange your mortgage? 03:15 – Mortgage news: house prices, starter fund & nitrogen delay 07:47 – Main topic: student debt – giving up or concealing it? 09:00 – What counts and what doesn't (BKR vs. DUO)? 13:35 – Difference between the old and new loan system 16:00 – Pausing or repaying your DUO loan: what's wise? 6:00 PM – Serious consequences of concealment (including an advisor example) 9:02 PM – Listener question: What to do if you regret concealment? 12:18 PM – Fact or fiction: can you negotiate your interest rate and terms? 26:40 PM – Conclusion: shedding light on debt = clarifying opportunities Sources and interesting information for those who want to know more: DUO, Calculating the monthly student loan amount https://duo.nl/particulier/studieschu... Viisi.nl, Student debt and mortgage: What are the rules? https://www.viisi.nl/hypotheekadvies/... NRC, March 29, 40,000 fewer homes built, but most projects continue https://www.nrc.nl/nieuws/2025/03/29/... Findinet, March 10, 2025, First-time buyers can buy a house below market value through a fund https://www.findinet.nl/artikel/start... FD, April 10, Sales of investor-owned homes provide 'price dampening' on the housing market https://www.findinet.nl/artikel/start... Spring Memorandum, blog Viisi https://www.viisi.nl/nieuws/voorjaars... Viisi, Fact or Fiction: Is it possible to negotiate mortgage terms and interest rates with the bank? https://www.viisi.nl/feit-of-fabel/on... *- Want to stay up-to-date on mortgage news and current interest rates?* Follow Viisi Mortgages on our social media channels: Linkedin:   / viisinl   Facebook:   / viisinl   🔔 Subscribe and never miss an episode!