Borrowing · Netherlands

Borrowing Capacity

Calculate the maximum personal loan you can take based on your net income and existing obligations. Based on VFN Gedragscode / Nibud norms used by Dutch lenders.

Your Net Monthly Incomeafter tax · use Take-Home Pay #07 if unsure

€

Partner's Net Monthly Incomeleave 0 if not applicable

€

Monthly Housing Costsrent or mortgage payment

€

Other Monthly Loan Paymentstotal of all existing loan repayments

€

Loan Term

Interest Rate — 6.5% per year

4%Current NL personal loan rates: ~5–9%12%

Estimate only. Actual capacity depends on your credit history (BKR), employer type, and the individual lender's assessment. Compare live rates at geld.nl before applying.

Maximum Loan Amount

€ 0

existing obligations exceed your borrowing limit

Monthly payment

€ 0

Total repayment

€ 0

Total interest

€ 0

Income allocation

Housing 30%Existing loans 0%New loan 0%Free 70%

How it's calculated

Total net income	€ 3.000/mo
Obligation limit (30% of income)	€ 900/mo
Housing costs	−€ 900/mo
Existing loan payments	−€ 0/mo
Available for new loan	€ 0/mo
Loan term	60 months
Interest rate	6.5% / year
Max loan amount	€ 0