How is the cost of living determined if the actual living expenses are USD 0?

If there are no rental or mortgage payments, then ‘USD 0’ must be filled in, in the model, as rental or mortgage payments. For a single person, who lives on Bonaire, the cost of living in 2012, for example, are amounted to USD 549. However, the financial enterprise must not just assume that the rental or mortgage payments are USD 0. The AFM does expect that there will be enquiries about this, and that the reason why the rental or mortgage payments are listed to USD 0 will be recorded in the file.

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