Altijd betalen voor hypotheekadvies

Leestijd: 4 minuten

Vanaf 17 juni 2013 gaat de klant altijd voor advies betalen bij de Rabobank. Eerst werd er alleen betaald voor advies als er daadwerkelijk een product werd afgesloten. Wel zijn de tarieven voor onder andere het standaard hypotheekadvies verlaagd.

Door deze nieuwe maatregel komen er geen klanten meer die alleen geld kosten en uiteindelijk niks kopen. Hierdoor kunnen de kosten voor het advies omlaag. Het oude ‘no cure no pay’ model is vorig jaar ingevoerd om advies laagdrempelig te houden, aldus de Rabobank. Nu is dit model weer van de baan.

Oriënteren kost niks

Wel kunnen klanten zich kosteloos oriënteren. Dit is een gesprek tussen klant en bank waarbij duidelijk wordt wat de bank kan betekenen voor de klant. Advies wordt hier verder niet gegeven. Hier is een tweede gesprek voor nodig, waar wel betaald voor moet worden. Klanten kunnen zelf al voorbereidend werk doen om kosten te besparen. De tarieven verschillen voor bijvoorbeeld een standaard hypotheekadvies en een advies voor starters.

Apart betalen

Als een klant iets wilt afsluiten moet hier apart voor betaald worden. Afsluitkosten en advieskosten zijn dus twee losse kostenposten. Deze splitsing lijkt meer de norm te zijn dan het oude model. Doordat de kosten nu zijn opgesplitst moet dit meer helderheid verschaffen voor de klant.

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