If you're smart, you studieschuld

in the Netherlands there are about 1.4 million people, with a studieschuld, according to figures from statistics netherlands. A lot of Dutch people carry out a monthly portion of their income to the TEAM. How can you make the payments on that studieschuld, it is best to try to address it as quickly as possible, paying off debts, or in the minimum have to do?

Something of the Wind (38), which is the type of fanatic aflosser. Its studieschuld was 51.759,to 61 euros. In the last two years, she wants to be her outstanding debt of $ 30,000 and have paid it off. "That studieschuld it felt as if a huge dark cloud over my head, and I had a lot of stress to."

for Years she ignored her studieschuld. If they have a little something extra was, she rather be on vacation. "In 2018, I was sick of it. I never wanted to have to have more financial worries and would also be a mother."

Carol Radstaak of Any confirmed quick pay is a more sensible choice may be. "A studieschuld to play still a role in many of the cases: your monthly disposable income, you to our mortgage application. At the beginning of the brand, you may not be so low aflosbedrag, but if you eenpersoonshuishouden changes in a household with children can be a burden to your spending power."

“That is studieschuld it felt as if a huge dark cloud over my head, and I had a lot of stress to.”

Something of a Wind

with The approach of the Wind requires a bit of discipline. "I'm not going to go to the barber shop, do not buy a dress. Dinners I'm over it. My son was playing with second hand toys for the children." Is good enough for them, it's not. "I am now much more aware of what I actually think of it want to live it."

Mortgage
it is A studieschuld will be taken into account when taking out a mortgage loan, it emphasizes Radstaak. For the potential home buyers, it is the accelerated repayment of the studieschuld is indeed attractive.

now, Radstaak has a helpful hint. "If you're an interim, you studieschuld have been redeemed, and the sum has been reduced, you can find an explanation of the request for a team. This is a new, reduced amount with the mortgage advisor will then consider your our mortgage application."

Noga Yaron (34), which is a whole different kind of strategy than the Wind. After the completion of its WE-study-in 2011, its studieschuld of about 40,000 dollars, or more. "I've been chosen to be the minimal of time, because I make my money do not want to have my studieschuld spend," she says.

"it Sounds crazy, but I didn't have a thing on it. Everyone told me that it was an investment, and I don't consider it a fault, you should also be due to the low interest rate environment." The Extra money that Yaron is now left of her income is spent, they are not.

“the Stress is limited and you are in it to make good decisions all the time.”

Carol Radstaak, Little,

Sorry, the loan has not. "My parents allowed me to financially support it and WE, it is an expensive study. I've done what I can to keep my head above water, I have always had a part-time job."

as for How fast you studieschuld, it is best to repay it is also, personally, think Radstaak. "Do you want to have a child later or to buy a house, then the speed of payments to make sense." Or, if you will, for example, stress may be experiencing, such as Wind. "Stress is limited, you have to take the right decisions," says Radstaak. "You should try to create an overview. It helps to create peace and to come to grips with the situation."

Voluntary speed < / p> now, That's an added bonus of your parents money on a trip to Sicily, or for the repayment of the DUO? Quite a dilemma, the Dutch expert. But I prefer the latter. "Just make sure you have a financial buffer for unforeseen circumstances. It's a Little recommends 10% of your income on a monthly basis to set aside."

In the coronacrisis it is not always a good idea to speed up time, or if you have a loss of income to expect. "It doesn't make sense to have you move to a new front in the debt-to-stitch, because you will find that you are studieschuld have to pay it", according Radstaak. "It changes your capacity to pay, then it is legitimate to get it on TOGETHER."

Prevention is better than cure, is emphasized Radstaak. "You look forward to the time that you are going to borrow. That is, it is very difficult, especially if you're a bit younger than you are. However, if you take out a loan contract it is a good idea, because you have years and years to come, to the relief secured."