{"id":1331,"date":"2019-06-27T18:11:59","date_gmt":"2019-06-27T18:11:59","guid":{"rendered":"https:\/\/www.lommelse-hypotheek.be\/?page_id=1331"},"modified":"2021-08-10T09:32:56","modified_gmt":"2021-08-10T09:32:56","slug":"schuldsaldoverzekering","status":"publish","type":"page","link":"https:\/\/www.lommelse-hypotheek.be\/?page_id=1331","title":{"rendered":"Schuldsaldoverzekering"},"content":{"rendered":"

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Schuldsaldoverzekering<\/h1>\n

[\/et_pb_text][et_pb_button button_url=”\/contact\/” button_text=”Kom in contact” button_alignment=”center” _builder_version=”3.22.7″ custom_button=”on” button_text_color=”#ffffff” button_bg_color=”#3259cb” button_border_width=”0px” button_border_radius=”0px” button_letter_spacing=”2px” button_font=”|||||on|||” button_use_icon=”off” animation_style=”zoom” button_text_size_tablet=”” button_text_size_phone=”14px” button_text_size_last_edited=”on|phone” box_shadow_style=”preset1″ box_shadow_blur=”30px” box_shadow_spread=”7px” box_shadow_color=”rgba(0,0,0,0.15)” button_letter_spacing_hover=”2px” button_bg_color_hover=”#2a5daa” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”on” button_letter_spacing__hover=”2px” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”on” button_bg_color__hover=”#2a5daa” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”]\u00a0[\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”3.22.3″ custom_padding=”54px|0px|0|0px” custom_padding_tablet=”100px|||” custom_padding_phone=”54px|||”][et_pb_row _builder_version=”3.25″ max_width=”80%” custom_padding=”27px|0px|15px|0px” animation_style=”fold” animation_direction=”bottom” use_custom_width=”on” width_unit=”off”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.2″ text_font=”||||||||” header_font=”||||||||” header_2_font=”|300|||||||” header_2_text_align=”left” header_2_font_size=”48px” custom_margin=”||0px|” header_font_size_tablet=”” header_font_size_phone=”30px” header_font_size_last_edited=”on|phone” header_2_text_align_tablet=”” header_2_text_align_phone=”center” header_2_text_align_last_edited=”on|phone” header_2_font_size_tablet=”” header_2_font_size_phone=”26px” header_2_font_size_last_edited=”on|phone”]<\/p>\n

Wat is dat nou? Schuldsaldoverzekering!<\/h2>\n

[\/et_pb_text][et_pb_divider color=”#e8bd12″ divider_position=”center” _builder_version=”3.2″ custom_margin=”19px|||”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ specialty=”on” padding_top_2=”0px” _builder_version=”3.22.3″ inner_max_width=”80%” custom_padding=”25px|0px|3px|0px||” animation_style=”flip” use_custom_width=”on” width_unit=”off”][et_pb_column type=”2_3″ specialty_columns=”2″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_row_inner _builder_version=”3.25″ custom_padding=”0|0px|0|0px”][et_pb_column_inner saved_specialty_column_type=”2_3″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.3.2″ custom_padding=”||76px|||”]<\/p>\n

Wie het over een hypothecaire lening heeft, heeft het bijna automatisch ook over een schuldsaldo verzekering.<\/p>\n

De schuldsaldo is de verzekering die bij overlijden van uw partner of uzelf, een gedeelte of het volledige bedrag van het openstaande woonkrediet terugbetaalt.<\/p>\n

Vroeger was het afsluiten van een schuldsaldoverzekering<\/a> verplicht wanneer u van de fiscale aftrek van uw hypothecair krediet wou genieten. Vandaag is dit niet meer het geval. De premie(s) die u in het kader van een schuldsaldo betaalt, genieten nu vaak zelf van een fiscale aftrekbaarheid.<\/p>\n

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Successierechten & Grote kapitalen<\/h2>\n

[\/et_pb_text][et_pb_divider color=”#e8bd12″ divider_position=”center” _builder_version=”3.2″ custom_margin=”19px|||”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ specialty=”on” padding_top_2=”0px” _builder_version=”3.22.3″ inner_max_width=”80%” custom_padding=”25px|0px|1px|0px||” animation_style=”flip” use_custom_width=”on” width_unit=”off”][et_pb_column type=”2_3″ specialty_columns=”2″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_row_inner _builder_version=”3.25″ custom_padding=”0|0px|0|0px”][et_pb_column_inner saved_specialty_column_type=”2_3″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”3.27.4″ custom_padding=”||7px|||”]<\/p>\n

Uiteraard bestaan er nog meerdere zeer interessante doelen waarbij er een dekking overlijden kan onderschreven worden voor een bepaalde looptijd. Hieronder een voorbeeld m.b.t. successierechten:<\/p>\n

Het is door iedereen gekend dat de erfgenamen bij een erfenis successierechten verschuldigd zijn. Aangezien dit zeer grote kosten met zich mee kunnen brengen, wordt dit risico momenteel door vele Belgen ingedekt via een verzekering kapitaal bij overlijden.<\/p>\n

Vb: Alleenstaande moeder (50 jaar) met \u00e9\u00e9n studerende dochter van 19 jaar heeft een eigen woning, dewelke ondertussen volledig schuldvrij is.<\/p>\n

Waarde woning \u20ac 350.000 Spaargelden \u20ac 0 Successierechten in dit geval zullen ongeveer \u20ac 37.500 bedragen. De nog studerende dochter zal niet kunnen ontlenen en zal dus de woning\u00a0 snel moeten verkopen. Een snelle verkoop wordt gerekend aan 80% van de waarde, aldus \u20ac 280.000. Hiervan moet ze \u20ac 37.500 betalen, met als gevolg dat er voor haar netto \u20ac 242.500 overblijft. Dit is toch maar liefst een verlies van \u20ac 107.500 op de woning, dewelke via een indekking van de successierechten (\u20ac 37.500) kon vermeden worden (indien mevrouw deze polis op haar 50ste zou afsluiten zou de premie \u20ac 22,94\/maand bedragen, voor een 10 jarige dekking).<\/p>\n

Klik hier voor meer informatie over schuldsaldoverzekeringen in Antwerpen<\/a>.<\/p>\n

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Diabetes<\/h2>\n

[\/et_pb_text][et_pb_divider color=”#e8bd12″ divider_position=”center” _builder_version=”3.2″ custom_margin=”19px|||”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ specialty=”on” padding_top_2=”0px” _builder_version=”3.22.3″ inner_max_width=”80%” custom_padding=”25px|0px|0px|0px||” animation_style=”flip” use_custom_width=”on” width_unit=”off”][et_pb_column type=”2_3″ specialty_columns=”2″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_row_inner _builder_version=”3.25″ custom_padding=”0|0px|0|0px”][et_pb_column_inner saved_specialty_column_type=”2_3″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”3.27.4″ custom_padding=”||7px|||”]<\/p>\n

Uniek op de markt: mits bepaalde voorwaarden wordt er GEEN bijpremie berekend in geval van diabetes !!<\/p>\n

 <\/p>\n

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Kom in contact met ons<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”2_3,1_3″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” _builder_version=”3.27.3″ background_color=”#22A0B1″ background_color_gradient_direction=”125deg” max_width=”80%” custom_margin=”|||” custom_padding=”0px|0px|0px|0px” animation_style=”fold” animation_direction=”bottom” box_shadow_style=”preset1″ box_shadow_blur=”30px” box_shadow_spread=”10px” box_shadow_color=”rgba(0,0,0,0.1)” use_custom_width=”on” width_unit=”off”][et_pb_column type=”2_3″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/www.lommelse-hypotheek.be\/wp-content\/uploads\/2019\/08\/lommel-maps.png” alt=”lommelse hypotheek” align=”center” _builder_version=”3.27.3″ custom_margin=”13%||||false|false”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_contact_form email=”info@dhsgroup.be, milco@mannen-werk.nl” title=”Wij helpen u graag verder!” custom_message=”Naam: %%Name%%||et_pb_line_break_holder||E-mail: %%Email%%||et_pb_line_break_holder||Tel.nr.: %%Telefoonnummer%%||et_pb_line_break_holder||Onderwerp: %%Onderwerp%%||et_pb_line_break_holder||Bericht: %%Message%%” success_message=”Wij nemen spoedig contact met u op.” module_id=”et_pb_contact_form_0″ module_class=”home_contact” _builder_version=”4.9.10″ form_field_background_color=”#ffffff” form_field_text_color=”#000000″ title_font=”||||||||” title_font_size=”28px” form_field_font=”||||||||” custom_button=”on” button_text_size=”18px” button_text_color=”#ffffff” button_bg_color=”#e8bd12″ button_border_width=”0px” button_font=”||||||||” button_use_icon=”off” custom_margin=”|||” custom_padding=”75px|75px|75px|75px” custom_padding_tablet=”” custom_padding_phone=”75px|35px||35px” custom_padding_last_edited=”on|phone” hover_enabled=”0″ custom_css_contact_title=”padding-bottom: 25px;” 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Hypotheek afsluiten doet u bij DHS Finance<\/h2>\n

[\/et_pb_text][et_pb_button button_url=”tel:080099105″ button_text=”Bel nu: 0800 99105″ button_alignment=”center” _builder_version=”3.27.3″ custom_button=”on” button_text_size=”28px” button_text_color=”#ffffff” button_bg_color=”#e8bd12″ button_border_width=”0px” button_border_radius=”0px” button_font=”|||||on|||” button_use_icon=”off” custom_margin=”|||” custom_padding=”|||” button_text_size_tablet=”” button_text_size_phone=”” button_text_size_last_edited=”on|phone” box_shadow_style=”preset1″ button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

Schuldsaldoverzekering\u00a0Wat is dat nou? Schuldsaldoverzekering!Wie het over een hypothecaire lening heeft, heeft het bijna automatisch ook over een schuldsaldo verzekering. De schuldsaldo is de verzekering die bij overlijden van uw partner of uzelf, een gedeelte of het volledige bedrag van het openstaande woonkrediet terugbetaalt. Vroeger was het afsluiten van een schuldsaldoverzekering verplicht wanneer u van […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-1331","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.lommelse-hypotheek.be\/index.php?rest_route=\/wp\/v2\/pages\/1331","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lommelse-hypotheek.be\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.lommelse-hypotheek.be\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.lommelse-hypotheek.be\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lommelse-hypotheek.be\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1331"}],"version-history":[{"count":22,"href":"https:\/\/www.lommelse-hypotheek.be\/index.php?rest_route=\/wp\/v2\/pages\/1331\/revisions"}],"predecessor-version":[{"id":7962,"href":"https:\/\/www.lommelse-hypotheek.be\/index.php?rest_route=\/wp\/v2\/pages\/1331\/revisions\/7962"}],"wp:attachment":[{"href":"https:\/\/www.lommelse-hypotheek.be\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1331"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}