Someone asks for a mortgage and a personal loan at the same time. How should you calculate this?

If one and the same person applies for both a consumer loan and a mortgage at the same time, the lender must decide whether it is responsible to grant this loan. The AFM’s advice in such cases is to calculate one loan first and then include the monthly payments for this loan in the calculation for the second loan. It makes no difference whether the consumer loan or the mortgage is calculated first. The actual costs must always be included in the Model for maximum lending so that a proper calculation can be made of the maximum amount that can be lent.

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