New standard amounts for lending


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The standard amounts for maximum consumer loans will change from 1 April 2019. The standard amounts apply to loans provided from 1 April 2019. These standard amounts are laid down in Section 2:5 of the RfmBES and are adjusted annually by the Minister of Finance.

The standard amounts are set for the different household compositions. The assessment also includes the costs of living. The standard amounts are intended for loans you will provide from 1 April 2019. To calculate the maximum loans, the AFM has drawn up a calculation model (model for maximum lending). The standards have been indexed in line with prices. Prices rose with 3.4% last year on Bonaire, with 1.3% on Sint Eustatius, and 2.6% on Saba.

In case you have any questions regarding this subject, please send an email to

The AFM is committed to promoting fair and transparent financial markets.

As an independent market conduct authority, we contribute to a sustainable financial system and prosperity in the Netherlands.

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