Credit providers are not allowed to grant loans if doing so is not responsible. The credit provider or adviser must obtain information regarding the consumer’s financial position. It is important that the consumer is willing and able to afford the costs of this maximum mortgage or consumer credit. The customer’s situation must be taken as the point of departure.
Standard amounts of credit rating
These standard amounts are laid down in Section 2:5 of the RfmBES and are adjusted every year in April 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 2022. The standards have been indexed in line with prices. Prices increased with 1,7% last year on Bonaire, decreased with 0,2% on St. Eustatius, and increased with 1,6% on Saba.