{"id":799,"date":"2021-11-29T15:54:59","date_gmt":"2021-11-29T14:54:59","guid":{"rendered":"https:\/\/maatwerk-hypotheek.nl\/?page_id=799"},"modified":"2021-11-29T15:54:59","modified_gmt":"2021-11-29T14:54:59","slug":"spaarhypotheek-2","status":"publish","type":"page","link":"https:\/\/maatwerk-hypotheek.nl\/en\/spaarhypotheek-2\/","title":{"rendered":"Savings mortgage"},"content":{"rendered":"<div  data-mk-stretch-content=\"true\" class=\"wpb_row vc_row vc_row-fluid  mk-fullwidth-false  attched-false     js-master-row  mk-grid\">\n\t\t\t\t\n<div class=\"vc_col-sm-12 wpb_column column_container   _ height-full\">\n\t\t<div class=\"vc_custom_1638195096278\">\n\n<div id=\"text-block-2\" class=\"mk-text-block\">\n\n\t\n\t<p>You can recognize the savings mortgage by the fact that a final capital sum is built up during the term by means of a so-called savings insurance policy. Maatwerk-Hypotheek offers you all information about the savings mortgage.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Savings mortgage: what exactly is it?<\/strong><\/p>\n<p>The savings mortgage basically falls under the category of interest-only mortgages. This means that no repayments are made on the mortgage debt during the term of the savings mortgage. Instead, an amount is built up through contributions to a savings policy. The savings contributions can be divided into two parts. Firstly, there is a portion saved for the eventual repayment of the savings mortgage. The second part is a death risk component. The monthly payment for the savings mortgage therefore consists of these two parts in the form of contributions, plus a portion paid in interest.<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-800 size-large\" src=\"https:\/\/maatwerk-hypotheek.nl\/wp-content\/uploads\/2021\/11\/spaarhypotheek-1024x287.png\" alt=\"\" width=\"1024\" height=\"287\" srcset=\"https:\/\/maatwerk-hypotheek.nl\/wp-content\/uploads\/2021\/11\/spaarhypotheek-1024x287.png 1024w, https:\/\/maatwerk-hypotheek.nl\/wp-content\/uploads\/2021\/11\/spaarhypotheek-300x84.png 300w, https:\/\/maatwerk-hypotheek.nl\/wp-content\/uploads\/2021\/11\/spaarhypotheek-768x215.png 768w, https:\/\/maatwerk-hypotheek.nl\/wp-content\/uploads\/2021\/11\/spaarhypotheek.png 1029w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p><strong>Start my own calculation<\/strong><\/p>\n<p>Are you also curious about the maximum amount you could borrow to buy a home? Or do you want to know if refinancing your current mortgage would be beneficial for you? Then click on the \u201cStart my own calculation\u201d   button below and indicate in the main menu what type of calculation (first-time buyer, mover, refinancing, mortgage based on current rental costs, or a mortgage tailored to your situation) you would like to receive.\n\nIn addition to the calculation you will receive immediately, we will also send you an E-book  detailing everything you need to gather to take out a mortgage. <strong style=\"font-weight: bold;\">\u201cAre<\/strong><b><strong>\u201drecalculate it myself\"<\/strong>\u00a0\u00a0<\/b>and indicate in the main menu what type of calculation you wish to receive (starter, mover, remortgaging, mortgage based on current rental costs, or a bespoke mortgage for your situation).<\/p>\n<p>Besides the calculation you will receive immediately, you will also receive a <strong>E-book<\/strong>\u00a0In addition to the calculation you will receive immediately, we will also send you an E-book  detailing everything you need to gather to take out a mortgage.<\/p>\n\n\t<div class=\"clearboth\"><\/div>\n<\/div>\n\n\t<\/div>\n\n<div id=\"mk-button-3\" class=\"mk-button-container _ relative    block text-center\">\n\n\t\n\t\t<a href=\"https:\/\/maatwerk-hypotheek.nl\/en\/hypotheek-berekenen\/\" target=\"_self\" class=\"mk-button js-smooth-scroll mk-button--dimension-outline mk-button--size-large mk-button--corner-full_rounded _ relative text-center font-weight-700 no-backface  letter-spacing-2 inline\"><i class=\"mk-button--icon\"><svg  class=\"mk-svg-icon\" data-name=\"mk-icon-calculator\" data-cacheid=\"icon-6a12009ad27d1\" style=\" height:16px; width: 16px; \"  xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 1792 1792\"><path d=\"M384 1536q0-53-37.5-90.5t-90.5-37.5-90.5 37.5-37.5 90.5 37.5 90.5 90.5 37.5 90.5-37.5 37.5-90.5zm384 0q0-53-37.5-90.5t-90.5-37.5-90.5 37.5-37.5 90.5 37.5 90.5 90.5 37.5 90.5-37.5 37.5-90.5zm-384-384q0-53-37.5-90.5t-90.5-37.5-90.5 37.5-37.5 90.5 37.5 90.5 90.5 37.5 90.5-37.5 37.5-90.5zm768 384q0-53-37.5-90.5t-90.5-37.5-90.5 37.5-37.5 90.5 37.5 90.5 90.5 37.5 90.5-37.5 37.5-90.5zm-384-384q0-53-37.5-90.5t-90.5-37.5-90.5 37.5-37.5 90.5 37.5 90.5 90.5 37.5 90.5-37.5 37.5-90.5zm-384-384q0-53-37.5-90.5t-90.5-37.5-90.5 37.5-37.5 90.5 37.5 90.5 90.5 37.5 90.5-37.5 37.5-90.5zm768 384q0-53-37.5-90.5t-90.5-37.5-90.5 37.5-37.5 90.5 37.5 90.5 90.5 37.5 90.5-37.5 37.5-90.5zm-384-384q0-53-37.5-90.5t-90.5-37.5-90.5 37.5-37.5 90.5 37.5 90.5 90.5 37.5 90.5-37.5 37.5-90.5zm768 768v-384q0-52-38-90t-90-38-90 38-38 90v384q0 52 38 90t90 38 90-38 38-90zm-384-768q0-53-37.5-90.5t-90.5-37.5-90.5 37.5-37.5 90.5 37.5 90.5 90.5 37.5 90.5-37.5 37.5-90.5zm384-320v-256q0-26-19-45t-45-19h-1280q-26 0-45 19t-19 45v256q0 26 19 45t45 19h1280q26 0 45-19t19-45zm0 320q0-53-37.5-90.5t-90.5-37.5-90.5 37.5-37.5 90.5 37.5 90.5 90.5 37.5 90.5-37.5 37.5-90.5zm128-640v1536q0 52-38 90t-90 38h-1408q-52 0-90-38t-38-90v-1536q0-52 38-90t90-38h1408q52 0 90 38t38 90z\"\/><\/svg><\/i><span class=\"mk-button--text\">Start my own calculation<\/span><\/a>\n\n\t\n<\/div>\n<\/div>\n\t<\/div>\n\n<div  data-mk-stretch-content=\"true\" class=\"wpb_row vc_row vc_row-fluid  mk-fullwidth-false  attched-false     js-master-row  mk-grid\">\n\t\t\t\t\n<div class=\"vc_col-sm-12 wpb_column column_container   _ height-full\">\n\t\t<div class=\"vc_custom_1638195184946\">\n\n<div id=\"text-block-5\" class=\"mk-text-block\">\n\n\t\n\t<p>&nbsp;<\/p>\n<p><strong>Changing savings amounts with the savings mortgage<\/strong><\/p>\n<p>The interest you receive on the savings balance is equal to the interest you pay on the mortgage debt. This means that you receive less savings interest when you pay less mortgage interest. Mortgage interest can, of course, rise and fall. Are interest rates rising? Then you must save more. Are interest rates falling? Then you need to save less in the savings policy. The death risk component ensures that the mortgage is repaid if you die during the term of the savings mortgage. In most cases, it is arranged so that the amount paid out is the amount you would have saved during the term. This amount is intended to ensure that the mortgage can be repaid.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Savings mortgage benefits<\/strong><\/p>\n<p>The savings mortgage has several advantages that are important when choosing a type of mortgage. Among the advantages of the savings mortgage we find:<\/p>\n<ul>\n<li>You benefit to the maximum from the mortgage interest deduction<\/li>\n<li>The savings amount accumulated is guaranteed.<\/li>\n<li>Term life insurance is included in the savings policy as standard.<\/li>\n<li>The SEW benefit at the end of the term is tax-free.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Savings mortgage disadvantages<\/strong><\/p>\n<p>Every type of mortgage has its own advantages and disadvantages. There are certainly a few important disadvantages to mention regarding the savings mortgage:<\/p>\n<ul>\n<li>It is not easy to transfer the savings policy to another mortgage lender.<\/li>\n<li>Savings mortgages are more expensive than bank savings mortgages.<\/li>\n<li>The refinancing options are limited.<\/li>\n<li>A lower mortgage interest rate offers you no personal benefit.<\/li>\n<li>Extending the savings mortgage is virtually impossible.<\/li>\n<li>Increasing the savings mortgage is also virtually impossible.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>No entitlement to deduction with a new savings mortgage<\/strong><\/p>\n<p>The savings mortgage falls under the category of interest-only mortgage types, which were abolished as of January 1, 2013. This means that it is not permitted to take out a 100 percent interest-only mortgage. Therefore, newly taken out mortgages may not be fully interest-only, as the risks are too great. For this reason, it was also decided to withdraw the mortgage interest deduction for interest-only mortgage types taken out after 2013. This concerns mortgages that are partially interest-only. Consequently, with a savings mortgage, you are not entitled to a mortgage interest deduction, making this type of mortgage financially unattractive.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>The monthly payments for a savings mortgage<\/strong><\/p>\n<p>The monthly payments for a savings mortgage consist of one part: interest. You pay this interest on the entire outstanding mortgage debt. During the term, you do not make any repayments on this debt, meaning you pay interest on the entire debt over the entire term. The other part of the monthly payments consists of premium payments. You pay premiums for the savings insurance associated with the mortgage. The premiums you pay ultimately result in a substantial accumulated sum intended to pay off the mortgage debt at the end of the term. Therefore, to actually be able to pay off the mortgage at the end of the term, it is important that this accumulated amount is large enough.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Refinancing the savings mortgage<\/strong><\/p>\n<p>Especially with very low mortgage interest rates, many people wonder whether it would not be wiser to refinance their savings mortgage. It goes without saying that people want to benefit as much as possible from low mortgage interest rates. However, refinancing a savings mortgage does not necessarily mean that you will be better off. There are many factors to consider, such as the capital that has been built up and the capital you still need to build up for the final repayment. In addition, the fixed-rate period must also be taken into account. Is this period not due to expire anytime soon? Then the penalty interest can accumulate significantly, potentially causing all financial benefits to be lost. Maatwerk-Hypotheek can, of course, advise you on the specific pros and cons of refinancing your savings mortgage.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Low interest rates on savings mortgages bring more consequences<\/strong><\/p>\n<p>When mortgage interest rates are very low, many homeowners consider whether it is advantageous to refinance. This naturally applies to people with a savings mortgage as well. However, these people face more consequences from low interest rates than just paying lower interest amounts. While monthly payments do indeed decrease when a lower mortgage interest rate is in effect, the interest compensation you receive on the accumulated capital also decreases. This means that you will have to pay higher premiums to eventually build up sufficient capital to pay off your savings mortgage. This means that a lower interest rate is not nearly as advantageous for you as it might seem at first glance.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Refinancing a savings mortgage is often expensive.<\/strong><\/p>\n<p>The financial benefit is therefore partially wiped out by the fact that you will have to pay higher premiums. This means that the monthly costs will not be as much lower as you might have thought if you only considered the benefit of a lower interest rate. In addition, refinancing a savings mortgage costs money. You will again face notary fees, and administrative costs can also run high. If the fixed-rate period still has a long time to run, the penalty interest you have to pay to the mortgage lender can increase significantly. Ultimately, refinancing can therefore be financially disadvantageous, even if it means you will benefit from a lower mortgage interest rate. Therefore, always seek advice. You are welcome at Maatwerk-Hypotheek for this.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Advice on the savings mortgage<\/strong><\/p>\n<p>Do you have a savings mortgage and would you like to know if refinancing is advantageous or disadvantageous for you? Are you moving and would you like to know more about the options regarding the savings mortgage? Maatwerk-Hypotheek is happy to assist you. We can provide you with independent advice. You can make an appointment with us for professional advice on the savings mortgage. Click on the button below \u201cRequest a free inventory consultation\u201d  and leave your details so we can call or email you back. <strong>\u201cRequest a free inventory consultation\u201d\u00a0 <\/strong>and leave your details so we can call or email you back.<\/p>\n\n\t<div class=\"clearboth\"><\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\t<\/div>\n\n<div  data-mk-stretch-content=\"true\" class=\"wpb_row vc_row vc_row-fluid  mk-fullwidth-false  attched-false     js-master-row  mk-grid\">\n\t\t\t\t\n<div class=\"vc_col-sm-12 wpb_column column_container   _ height-full\">\n\t\n<div id=\"mk-button-7\" class=\"mk-button-container _ relative    block text-center\">\n\n\t\n\t\t<a href=\"\/en\/contact\/\" target=\"_self\" class=\"mk-button js-smooth-scroll mk-button--dimension-outline mk-button--size-large mk-button--corner-full_rounded _ relative text-center font-weight-700 no-backface  letter-spacing-2 inline\"><i class=\"mk-button--icon\"><svg  class=\"mk-svg-icon\" data-name=\"mk-li-comments\" data-cacheid=\"icon-6a12009ad3302\" style=\" height:16px; width: 16px; \"  xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M460.022 4.913h-282.513c-26.003 0-47.086 21.083-47.086 47.086v31.386h-78.445c-26.003 0-47.086 21.083-47.086 47.086v219.733c0 26.002 21.083 47.086 47.086 47.086h15.695v94.102c0 6.353 3.824 12.077 9.687 14.499 1.946.813 3.985 1.196 6.008 1.196 4.085 0 8.093-1.594 11.097-4.599l90.883-90.875.008-.008c11.68-11.68 23.543-14.316 39.238-14.316h109.897c15.359 0 28.954-7.388 37.552-18.761l45.492 45.492c3.004 3.004 7.012 4.599 11.096 4.599 2.023 0 4.062-.391 6.008-1.196 5.863-2.43 9.687-8.147 9.687-14.499v-94.104h15.695c26.003 0 47.086-21.09 47.086-47.086v-219.735c.001-26.003-21.082-47.086-47.085-47.086zm-109.836 345.291c0 8.652-7.042 15.695-15.695 15.695l-103.421-.008h-22.171c-24.608 0-53.554 31.329-53.554 31.329l-.468.069h.399l-56.213 56.213v-71.917c0-8.668-7.028-15.695-15.695-15.695l-31.39.008c-8.652 0-15.695-7.043-15.695-15.695v-219.732c0-8.657 7.043-15.695 15.695-15.695h282.514c8.653 0 15.695 7.039 15.695 15.695v219.733zm125.532-78.469c0 8.653-7.043 15.695-15.695 15.695l-31.39-.015c-8.668 0-15.695 7.035-15.695 15.695v71.916l-31.36-31.36v-213.195c0-26.003-21.083-47.086-47.086-47.086h-172.678v-31.386c0-8.657 7.043-15.695 15.695-15.695h282.514c8.653 0 15.695 7.039 15.695 15.695v219.736z\"\/><\/svg><\/i><span class=\"mk-button--text\">Request a free inventory consultation<\/span><\/a>\n\n\t\n<\/div>\n<\/div>\n\t<\/div>\n\n<div  data-mk-stretch-content=\"true\" class=\"wpb_row vc_row vc_row-fluid  mk-fullwidth-false  attched-false     js-master-row  mk-grid\">\n\t\t\t\t\n<div class=\"vc_col-sm-12 wpb_column column_container   _ height-full\">\n\t\n<h2 id=\"fancy-title-9\" class=\"mk-fancy-title  simple-style   color-single\">\n\t<span>\n\t\t\t\t<p>We collaborate with, among others <span style=\"color: #26a2db; 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