In een nieuw hypotheekplan staat dat woningkopers voortaan zelf een deel van de kosten met eigen geld moeten gaan betalen bij de aankoop van een woning. Dit is een advies van de Commissie Structuur Nederlandse Banken aan minister Dijsselbloem. Voorheen werden er hypotheken verstrekt tot wel 110% van de woningwaarde, dit moet volgens het advies worden teruggebracht naar 80%.
Hoeveel moet ik zelf bijbetalen?
Als er een een woning gekocht wordt van 150.000 euro, wordt er een hypotheek verstrekt van 120.000 euro. Dit betekent dat er zelf 20% dus 30.000 euro moet worden bijgelegd uit bijvoorbeeld spaargeld. In een ideale situatie voor de koper, wordt een hypotheek verstrekt van 110%, dat is dan 165.000 euro, maar daar wordt nu een negatief advies over gegeven. Consumenten zijn kwetsbaar voor de daling in huizenprijzen met een hypotheek van 100% of 110% van de woningwaarde.
Slechts een advies
Op dit moment is een maximale hypotheek van 80% van de woningwaarde slechts een advies. Deze regeling zou alleen ingevoerd moeten worden als de huizenmarkt weer herstelt en de huizenprijzen niet dalen, maar weer gaan stijgen.
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Starters zullen dat waarschijnlijk niet kunnen opbrengen. Wat wel goede maatregelen zijn zoals die begin dit jaar zijn doorgevoerd is het verplicht deels moeten aflossen van een hypotheek, meeste ideale lijkt hiervoor de spaarhypotheek.