How much can I loan my client?

Lenders may not provide credit if that leads to excessive lending. This is stated in the Financial Supervision Act.

How do I test this?

The umbrella organizations of lenders have drawn up codes of conduct on how they test whether a loan does not lead to excessive lending.

  • The Code of Conduct of the Netherlands Association of Financing Companies (VFN)
  • The Code of Conduct of the Dutch Banking Association (NVB)

All these codes of conduct make use of the Nibud model budgets to ensure that households with a credit retain sufficient amounts to be able to at least make the necessary expenses of a household.

Knowing more?

Would you like to exchange ideas about the use of Nibud figures for your organization? We like to think along with you. Contact our consultant Jasja Bos or Max Poortermans , product manager licenses and online applications. You can also ask your question via the contact form.