teinfootworks.com http://www.teinfootworks.com My WordPress Blog Fri, 08 Feb 2019 00:49:54 +0000 en-US hourly 1 https://wordpress.org/?v=5.1.1 Second foreclosure of the pension for an unpaid debt – Is it normal? http://www.teinfootworks.com/2019/02/08/second-foreclosure-of-the-pension-for-an-unpaid-debt-is-it-normal/ http://www.teinfootworks.com/2019/02/08/second-foreclosure-of-the-pension-for-an-unpaid-debt-is-it-normal/#respond Fri, 08 Feb 2019 00:49:54 +0000 http://www.teinfootworks.com/2019/02/08/second-foreclosure-of-the-pension-for-an-unpaid-debt-is-it-normal/ Read More]]>


In 2012 I asked for a personal loan from Agos Ducato, which was granted to me since my wife and I had a working income: I always paid the installments until the end of 2014, after which I sent Agos asking if it was possible lower the installment, lengthening the terms, as my wife had been placed in extraordinary layoffs. I never received any response from them. Unfortunately my wife was fired in January 2015, I could no longer honor this debt. Apart from the various phone calls also threatened by debt collection, which I did not give up and I do not care, in 2016 I received A / R from Banca IFIS where he says that the DUCATO AGOS had sold my debt to SUNRISE SRL and to which it had sold it to Banca IFIS. Honestly I do not know if all this is regular, since I have never known anything. Also now the Ifis Bank wants to proceed for a foreclosure of the fifth of my pension, (since my wife perceives the NASPI) I unfortunately for this problem I have already under way a foreclosure of the fifth of the pension by another financial.

My question is this: is it normal everything that happened with AGOS DUCATO, as mentioned above? Can Banca IFIS make me further foreclosure pension?


I think it is useless to investigate the procedures for the transfer of credit taken first by Agos and then by Sunrise srl, since the communications required by law could have been sent via registered letter with notification correctly completed for complete inventory.

Moreover, any procedural defects in the notification to the debtor of the transfer did not elect the debt, but could be raised in court (opposition to injunction) to make more complicated the possible executive action initiated by the creditor.

On the same pension can not insist two foreclosures for credits of the same nature (loans from banks and financial). Now, if, and only if, the attachment that you are already writing is not a simple transfer of the fifth of the pension, then IFIS can not proceed with a further withdrawal of your monthly salary directly from INPS.



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Mortgage debt increased again http://www.teinfootworks.com/2019/02/08/mortgage-debt-increased-again/ http://www.teinfootworks.com/2019/02/08/mortgage-debt-increased-again/#respond Fri, 08 Feb 2019 00:48:06 +0000 http://www.teinfootworks.com/2019/02/08/mortgage-debt-increased-again/ Read More]]> hypotheek%201
The new figures from Statistics Netherlands, on the finances of households, show that in the third quarter of 2018 the outstanding mortgage debt of households increased by 1 billion euros. As a result, the mortgage debt has risen seven quarters in a row.

The total outstanding mortgage debt of households rose to EUR 702 billion in the third quarter of 2018. This is because the sale of houses continues and more expensive houses are bought. Despite the increase in debt, mortgage debt declined as a percentage of gross domestic product (GDP, national income). GDP increased more than the mortgage debt over this period. From 2014 onwards, more mortgage was taken out each quarter than repaid (hence the increase in mortgage debt). From that time on the number of sold owner-occupied homes picked up again and the average house price became higher.

Banks and mortgages

Banks have been given more mortgages under management in recent years. One way for banks to provide more credit is the possibility of securitising mortgages they have provided. This means that banks temporarily sell their mortgages to other financial intermediaries. This way the outstanding mortgages disappear from banks’ balance sheets and they can issue more loans.

Despite strict lending conditions, still higher mortgage debt

In recent years it has become much more difficult to qualify for a mortgage. Because of the strict loan conditions. That the mortgage debt has not fallen is due to low interest rates. It is so attractive, which makes it possible to borrow a high amount for a house. The expectation is that the mortgage debt will continue to rise for the time being.

Mortgage interest relief

Nowadays you can not use the mortgage interest deduction for all types of mortgage. Curious as to which forms that still can?

Changes to mortgage rules

In recent years, a lot has changed in mortgage land in connection with the credit crisis. 

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Week of the money – Ellen saved her children from her debts http://www.teinfootworks.com/2019/02/08/week-of-the-money-ellen-saved-her-children-from-her-debts/ http://www.teinfootworks.com/2019/02/08/week-of-the-money-ellen-saved-her-children-from-her-debts/#respond Fri, 08 Feb 2019 00:44:38 +0000 http://www.teinfootworks.com/2019/02/08/week-of-the-money-ellen-saved-her-children-from-her-debts/ Read More]]>  

Ellen saved her children from her debts

Perhaps you have heard the commercials: it is the week of money. Initiator Wijzer in geldzaken wants during this week students from primary schools learn how to handle money. As a result, the foundation is laid for early financial adequacy in their adult life. During the week of the money we put the savings on current credits in the spotlight. For example, through Consumind Finance last week Ellen ensured that her children would not get in trouble later because of her loans.

Ellen has our credit specialist Brenda Jelmorini look at her current loans. Each month Ellen and her partner had to pay € 1,048 in their loans. However, she only paid the interest on one current loan so that a debt would always remain open. Something that Ellen and her partner would rather not want because of the future of their children.

Brenda has ensured that she now has two personal loans with low interest rates, with which she can pay off loans she had. She pays more repayment monthly for these two personal loans, but she is fully indebted after 10 years and saves € 68,177 in total . We are very happy that this solution helps Ellen and her family. Below the reaction from Ellen:

Hello Brenda,

Thank you very much for all your efforts and the good news.

We are pleased and relieved with this solution and explanation. Rather, do not pay € 100.00 more per month over 10 years than indefinitely in debt and € 68177.00 more to be lost. This also gives air for later to my children. With this we do not burden them with our problems.


Do you also have loans and do you want to see if you can pay less for this and / or can redeem earlier? Contact Consumind Finance. Our credit specialists are happy to see what they can mean for you free of charge.

(due to privacy we only note the first name of that person)

Reduce interest rates on loans


Ongoing loans, credit cards and other forms of loans often have high interest rates. You can reduce the interest on your current loans at no cost. Enter your details here and you will be contacted as soon as possible to look at the possibilities.


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New registration codes in the BKR for home sales with residual debt http://www.teinfootworks.com/2019/02/08/new-registration-codes-in-the-bkr-for-home-sales-with-residual-debt/ http://www.teinfootworks.com/2019/02/08/new-registration-codes-in-the-bkr-for-home-sales-with-residual-debt/#respond Fri, 08 Feb 2019 00:41:31 +0000 http://www.teinfootworks.com/2019/02/08/new-registration-codes-in-the-bkr-for-home-sales-with-residual-debt/ Read More]]>


Are you selling your house and is there a chance of a residual debt? Then you will have to deal with the new registration codes from the Credit Registration Office. Since 1 January 2017, the BKR has introduced two new codes for recording the residual debt on sale.

Registration of sales with a residual debt after 1 January 2017

From 1 January 2017, the BKR has introduced two new registration codes for sales with a residual debt remaining. The remaining debt will now be separately registered with the BKR. A distinction is made between claim and no claim to the National Mortgage Guarantee (NHG) . With this guarantee you have a safety net when you have to sell the property and a residual debt remains. NHG looks together with you for a solution or scolds the debt when it really can not be otherwise.

The registration code RH for residual debt mortgage without entitlement to NHG
This code is put behind your name in the BKR, when you have created a residual debt after the sale of your home and there is no claim on NHG. The residual debt is not equally financed by own money or a new mortgage. You do not claim the NHG and therefore you will have to pay the remaining debt yourself.

The registration code RN for residual debt mortgage with entitlement to NHG
When you claim the NHG and do not directly finance the residual debt, you will find this code on your BKR registration. Two options are then possible. With the first option you have full remission of the residual debt by the NHG. You will then no longer have any debt and your registration on the BKR will also be closed. With the second option you do not have to cancel the remaining debt and therefore you have to finance this yourself. You will have to make arrangements for the reimbursement and this will also be registered.

Registration of sales with a residual debt for 2017

If you sold your house before 1 January 2017 and were left with a residual debt, there were a few options. You could namely:

  • Immediately repay the residual debt with your own money
  • Allow the remaining debt to be canceled due to the NHG
  • To co-finance the residual debt in the new mortgage for your new home
  • Take out a loan to finance the residual debt

If you opt for the last option, the loan was registered with the BKR. This was then registered in the form of the loan or credit you concluded. Often a personal loan or a current loan.

What does a registration with the BKR mean?

If you have a registration with the BKR, this does not always have to be disadvantageous. If you do not have payment arrears and you pay your debts cleanly every month, your BKR will not be negative. You will then be able to borrow a lower amount when you take out a new mortgage, loan or credit. If you do have payment arrears, your BKR will be negative. You can not apply for a mortgage, loan or credit. This can go so far that you can not buy a lease car or a phone with a new subscription.



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Residual debt financing no longer deductible http://www.teinfootworks.com/2019/02/08/residual-debt-financing-no-longer-deductible/ http://www.teinfootworks.com/2019/02/08/residual-debt-financing-no-longer-deductible/#respond Fri, 08 Feb 2019 00:37:54 +0000 http://www.teinfootworks.com/2019/02/08/residual-debt-financing-no-longer-deductible/ Read More]]> hypotheken Michael%20Wick In October 2012, the residual debt scheme went into effect to promote the flow in the housing market. With this scheme, the interest on the financing of this residual debt could be deducted from the tax when selling a house with a residual debt, for a maximum of 15 years.

No reason to extend

The scheme would end on 31 December 2017. Despite the fact that Vereniging Eigen Huis recently argued for an extension of the scheme, State Secretary Wiebes recently indicated that he does not intend to extend the scheme. He sees no reason for this, because the flow in the housing market has now been restored. In addition, the mortgage interest rate is still historically low.

According to recent research, however, there are still 340,000 homes under water. They will have to present their moving plans or take into account higher costs and lower borrowing capacity.


Residual debt financing is therefore no longer tax deductible as of 1 January 2018. State Secretary Wiebes van Financiën does not comply with the appeal from Vereniging Eigen Huis to extend the residual debt scheme. This temporary crisis measure must keep the flow on the housing market going. Homeowners can advantageously finance a residual debt, making it easier to relocate.


If you sell your house after December 31, 2017 with a residual debt and take out a loan for this, the interest on this loan is no longer deductible. A residual debt loan will therefore have a greater impact on the remaining borrowing capacity after 31 December 2017. If there is a residual debt of which the interest is not deductible, less mortgage can be obtained when, for example, you purchase a new home or change your mortgage. If you already have a residual debt loan or close it before 1 January 2018, the interest remains deductible.


The advice for the sellers with a possible residual debt is therefore also for the transfer of the property to take place before 31 December this year.

Moving with a residual debt? Inquire about this with a mortgage advisor. This way you create a clear picture of the possibilities in your personal situation. Request an introductory mortgage interview here.

hypotheken Michael%20Wick



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Consumers are deeper in debt again in 2019 http://www.teinfootworks.com/2019/02/08/consumers-are-deeper-in-debt-again-in-2019/ http://www.teinfootworks.com/2019/02/08/consumers-are-deeper-in-debt-again-in-2019/#respond Fri, 08 Feb 2019 00:07:10 +0000 http://www.teinfootworks.com/2019/02/08/consumers-are-deeper-in-debt-again-in-2019/ Read More]]>

The Dutchman has a clear taste. Because the number of applications for consumer credit rose explosively this year (and especially in the third quarter)! Consumers tend to borrow money faster. It is apparently no longer a shame to invest deeper into debt. The numbers speak volumes …

Association of Finance Companies in the Netherlands

The Association of Finance Companies in the Netherlands informs the financial Telegraaf that there are probably many more loan applications from Dutch consumers due to the increasing confidence. The economy has been doing so well for years and the loan rate is so low that it is apparently a reason to get back to the bank for a loan more quickly.

Civil servants loans also record record numbers of credit applications

Just like the Association of Finance Companies in the Netherlands, the lender of civil servant loans also notes that more loans are being taken out. This lender provides loans only to civil servants and to employees of semi-public bodies.

Officials loan

They also provided many more new credit applications in the third quarter (2017). Apart is that. Normally, according to civil servant loans, loans are being applied for, especially in the first 2 quarters. In the third quarter, the number of applications is gradually decreasing. The number of loan applications increased by 40% in the third quarter of this year (compared to the same quarter last year).

Record amount of loans in 2016 exceeded in 2017

Presumably, by the end of 2017, many more loans will have been applied for than in 2016. In 2016, the counter ended at 2.1 billion euros. In the first two quarters of 2017 more loans were granted than in the first two quarters of last year.

Extremely low interest rates, according to Richard Jägers

As we mentioned, consumer confidence is increasing. This has mainly to do with the economy that once again runs as usual. People dare to go into debt again. But according to Richard Jägers, it is also essential to point out the extremely low interest rates . People now want to borrow cheap money . Who says that this will still be possible in 2018?


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Differences Dutch and Belgian debt mountain http://www.teinfootworks.com/2019/02/08/differences-dutch-and-belgian-debt-mountain/ http://www.teinfootworks.com/2019/02/08/differences-dutch-and-belgian-debt-mountain/#respond Fri, 08 Feb 2019 00:03:38 +0000 http://www.teinfootworks.com/2019/02/08/differences-dutch-and-belgian-debt-mountain/ Read More]]>

Where in the Netherlands a lot of money was paid before 2017, in Belgium they are currently faced with a major problem. According to Eurostat and Bart Van Craeynest at least. In Belgium, it has been going on for years: both companies and consumers are increasingly becoming increasingly indebted. Many families borrow more money than is good for them. What it stands for in Belgium is in stark contrast to the Netherlands and many other European countries.

Debt of private sector is rising

The Eurostat office carried out research into government debts and that of Belgian companies and private individuals. She found that the total debt in 2016 had increased by 296%. To be more precise: This is 296% of the gross domestic product (GDP). And even now, in 2017, Belgians continue to incur debts. Mr. Bart Van Craeynest is chief economist of the asset manager Econopolis and he anticipates problems for Belgium if this continues.

The debt ratio is increasing much faster with our southern neighbors than in the Netherlands itself. In the Netherlands, companies and consumers close a loan again faster, but in the years before a lot of money was repaid. In addition, the loan standards have been tightened, so that people can no longer borrow too much money.

Belgium only has to tolerate a few countries above itself

Differences Dutch and Belgian debt mountain 

Belgium is closely involved in debts in the private sector against problem countries such as Portugal, Greece, Luxembourg, Ireland and Cyprus. In the long run, this can have an adverse effect on the economy. And the European Commission is also afraid of that. They also keep an eye on Belgium. It is in particular the high residential debt that concerns the European Commission and the National Bank of Belgium.

High housing debt

We have seen a shift in the Netherlands since 2016: The housing market is overheating. The prices are rising . One has to borrow more money for a home . But in Belgium this has been going on for a number of years. Belgian families are more and more in debt, because the houses become more expensive. The National Bank is finding ways to prevent further price increases.

According to Bart Van Craeynest, something needs to be done about this. In the event of a next crisis, this debt problem may well put Belgium in a bad position.


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Defense debtors 2019: debts, costs, and opinions. http://www.teinfootworks.com/2019/02/07/defense-debtors-2019-debts-costs-and-opinions/ http://www.teinfootworks.com/2019/02/07/defense-debtors-2019-debts-costs-and-opinions/#respond Thu, 07 Feb 2019 14:03:54 +0000 http://www.teinfootworks.com/2019/02/07/defense-debtors-2019-debts-costs-and-opinions/ Read More]]>

Problems of debt? I can find Escort Deficient Debitori and its cost , opinions , comments and reviews from clients who are entrusted to this company to solve the economic situation. The unprecedented crisis in 2008 has made it difficult for not only the global economy, but also hundreds of people who were not at risk bankrupt nor were they included in the list of banks. The car, the bollette, the rate of the electrodomestics, the spese of every day but overcome the mutual, I have spent all the family time savings that I do not reappear to pay the debt parasites . If it was calculated in 2013 the total amount of the loans I received was around 164 billion euros. So many Not surprisingly, I do not know if so many people are going to get it all together, getting rid of the credit and calling it the bank’s mockery. What if i can i do Let’s find it now.

Difficult debt and debt: eat fare for estinguerli?

Debts have become the worst nightmare of many Italians in the last eight years, once entered into their tight grip, is difficult to get out and often seems that there is a light at the end of the tunnel. Eppure a valid solution there is, I speak of Spa Déesa Debitori, a team of professionists, lawyers, tax authorities and former bankers that will help you whatever your problem, offense defended by companies and departments of financial actions. What do you do in particular? First of all I focus on your situation, it is not about the harsh and manipulative agency, but people will offer you support and restand you along. Aiutano and the customers of the rainstorms will resolve the pains with banks and financiers, solve problems with the tax , offer legal defense and protect their assets, effective verification of usury and anatomy and even negative signage polysacon.

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Come, I will give you more information and have a precautionary picinho? Semplice, but I’ll call the green number on Monday through Friday, or compile the form to find your website, Difesa Debitori, indicating the type of servizio che richiedi (if you help with bank debt, finance, tax, or nominee reabilitation, opposition Injunctive Decrees, or assistance with pledging of acts or acts of preceto). Sarai answered briefly with informazioni aggiuntive and potrai to decide whether to accept the help of Difficult Debitori or not.

Defensive debt: the cost of attaching to debt or settlement?

When I’m out of the question to tell you how to help me in a difficult situation, I’m sorry I can see the ads with my suspicion. Do you work davvero? Does not my account go through another money without agreeing? As for the Defense of Debitori, if you are going to be safe, il teo denaro will not see unnecessarily spaccato, I could consider it as a small investment in the long term. What are the costs of the services offered at Spa? On the website there is no indication, one time we will inform you of your prices imposed on the site, but by doing a search your internet can add the cost if it is around € 350, always less than what you spend on an avocado.

debt defense debit

Difficult due notes and reviews of customers on the web

When I search for reviews on the website for the services offered by Difesa Debitori, I can be a skeptic and easy to install in small people when it comes to economic problems, and I am due to take my great pleasure. Comments from clients not only praised the seriousness, professionalism and efficacy of this venture, but also appreciated the moral and emotional support they received.

Difficult debt personal and final opinions

I have missed your debts and a serious problem, something that does not make you sleep the night, do not lick your breath, eat a spade on your neck and be quick to scattare, for which there is support and an aid in these almost can be a true and proper salvation. Agencies of professionals on the web have no cent host time, but I must always look very carefully at what you want to avoid to make the situation worse. Rely only to receive good reviews, as Defense Debtors Spa, the opinions presented are all incredibly positive and agency customers are grateful for the help received.

defense debt opinion

If you have made a debit that you did not manage to manage, I strongly encourage you to give you the money to Defensa Debitori , compile the form and discover what I can do to use your problems. I cost a lot of money and opinions , comments and reviews are all good, why not try?

Visit Defesa Debitori


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Debt prevention http://www.teinfootworks.com/2019/02/07/debt-prevention-2/ http://www.teinfootworks.com/2019/02/07/debt-prevention-2/#respond Thu, 07 Feb 2019 13:59:55 +0000 http://www.teinfootworks.com/2019/02/07/debt-prevention-2/ Read More]]>


Debts lead to personal problems and social costs. Prevention is therefore important for all parties who come into contact with payment arrears.

What is debt prevention?

Prevention is preventing problems (in this case financial) from arising in advance. Prevention can also be used to prevent greater financial problems or repetition.

The definition of debt prevention is:

“Debt prevention is a mix of measures, activities and facilities that aim to ensure that people become financially skilled and behave in such a way that they keep their finances in order.”

All kinds of parties who come into contact with payment arrears of persons can contribute to prevention. Think of: debt counselors, schools, P & O, corporations, utilities, financial service providers, district teams, etc. Because more and more Dutch people are in trouble due to debts, politicians believe that organizations such as municipalities should do more to prevent them.

Classic prevention classification

In the theory on prevention, a classification is made in types.

Primary prevention

Aim: to prevent people from falling into problematic debts; or avoid new cases. Primary prevention targets everyone at risk.

Secondary prevention

Early identification, detection and treatment, usually in specific risk groups. The detection of risk factors is also part of secondary prevention. A prerequisite is a good investigation into specific risk groups and analysis of these.

Tertiary prevention

Focuses on situations where there are already problematic debts. The curative help, guidance and other measures are intended to solve existing problems while the preventive activities are in fact aftercare. This is also where the cyclical nature of integrated debt counseling comes to the fore. Good curative help and aftercare have a preventive effect as such. Tertiary prevention is meant to prevent worse (relapse, recidivism or chronic problems).

Getting started with prevention

How you design your prevention policy depends on your role and organization. Nibud gives you a number of tools to get started:

  • Vision and policy
  • Early signaling
  • Take on problems


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Wedding, possessions and debts http://www.teinfootworks.com/2019/02/07/wedding-possessions-and-debts/ http://www.teinfootworks.com/2019/02/07/wedding-possessions-and-debts/#respond Thu, 07 Feb 2019 13:57:06 +0000 http://www.teinfootworks.com/2019/02/07/wedding-possessions-and-debts/ Read More]]>

Do you have wedding plans or do you enter into a registered partnership? In 2018, the rules on assets and liabilities that both partners contribute to the marriage are adjusted.

You can choose together to set other agreements about this yourself.

Standard: limited community of goods

If you do not arrange anything, you are marrying in limited community of goods. What does that mean?

  • Pre- marriages or debts remain private property and do not fall under the joint estate.
  • Gifts, gifts and legacies remain personal property, whether they are received before or during the wedding
  • Ability that is built up during the marriage or the registered partnership is yours.
  • For debts arising during the marriage (even if one of the partners knows nothing about this) both partners are liable.

Make a financial overview

To be able to prove that certain assets are your personal property (for example in case of a divorce, death, or debt), it is important to make an overview of assets and debts when you get married.

Important: proof of ownership

Without proof of ownership, personal items are counted as part of the common assets. It is therefore important that you record proof of ownership, for example if you invest money, or if you receive an inheritance or donation and use this money to repay the mortgage on the joint home.

Checklist: what to arrange

  • Make a note of your private assets and debts before the wedding.
  • Describe what happens to this private property during the wedding, for example if you use your savings for the joint household effects.
    Note : if you do not have proof of what happened to your personal assets during a divorce, this will fall into the joint estate.
  • Open a personal savings account for your private assets, so that it is clear that this capital does not belong to the joint estate.
  • Make agreements about how you deal with any value increase in assets, savings account or home, and record this.
  • Capture changes that take place during the marriage.

Tip : keep the joint administration well in addition to your own administration.

Pay attention to your own home and debts

If you withdraw into your partner ‘s home during the marriage, you will not be entitled to the (surplus) value of the property in the event of a divorce. The house dates from before the marriage and remains the property of your partner.

If, before your marriage, you bought a house together with a ownership ratio of, for example, 30 – 70 per cent, this ratio is automatically converted to 50 – 50 per cent when you take up the home in the community of goods. If you do not want this, record this before the marriage at the notary.

Creditors of a private debt can – if there is not enough money – collect the debt on (half of) the joint assets. That is why it is important to record your private property properly. This prevents you from falling into the community and going to creditors.

Determine deviant appointments

Would you rather marry in full community of goods? Or do you exclude your possessions or debts from the joint estate? Then have this recorded at a notary

If you live together unmarried

For couples who live together unmarried, the situation is unchanged. The law did not regulate anything for the cohabitants. You can have a cohabitation agreement drawn up in which you record your appointments.

If you are married before 2018

This amendment does not apply to marriages and registered partnerships concluded before 1 January 2018 . For that, if you have not arranged anything yourself, the ‘general community of goods’ applies.

This means that all assets and liabilities that have been built up before and during the marriage or registered partnership are jointly owned. This also applies to a donation or inheritance. After a divorce, the partners have to divide all the money and assets into two in principle. The same applies to the debts. Even if you do not know that your partner has made debts, you still have to pay for it.


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