Het aanpassen van je hypotheek leidt tot nieuwe maandlasten. Je wilt wel zeker weten dat je die kan betalen, in goede en in slechte tijden. Het is daarom belangrijk dat je goed begrijpt waar je aan begint. Met die gedachte heeft de AFM de kennis- en ervaringstoets in het leven geroepen. Zo weet jij of je je voldoende bewust bent van de risico's en gevolgen voor je eigen financiële situatie
You can read more about why this knowledge and experience test is important on the AFM website.
Once you have contacted us, you will receive an invitation in your ING App and My ING with a link to the knowledge and experience test. It consists of 19 questions. With 15 good answers, you’ve succeeded. All the knowledge you need for this can be found at the bottom of this page under the heading 'Everything you need'. Did you fail the first time? Then you have the opportunity to try again. But if you find it more comfortable, you can of course also immediately choose mortgage advice.
It is important that you answer the questions yourself. The test is intended to test your knowledge and experience, not of your neighbor. Do the two of you want to adjust the mortgage? Then you both take a test.
Since there always can be changes, the test has a validity of 6 months. If you cannot complete the application in 6 months, you can simply retake the test.
Do you not succeed in the end? Our advisors are ready for you.
"}},{"componentType":"paragraph","title":"What kind of questions can I expect?","richBody":{"value":"
The questions are intended to test your knowledge and experience of a mortgage. We did not create a practice test because the test is intended to determine whether you have enough knowledge and experience. Here are two example questions:
1. What is the difference between a linear mortgage and an annuity mortgage?
a) You pay a higher interest rate with a linear mortgage than with an annuity mortgage.
b) In the beginning, you pay off faster with a linear mortgage than with an annuity mortgage.
c) The interest costs of a linear mortgage are not deductible from your income in the tax return, but that of an annuity mortgage does.
The correct answer is b.
explanation
With a linear mortgage you pay the same amount of repayment every month and the amount you pay in interest becomes a little less every month. As a result, your gross monthly expenses decrease every month.
With an annuity mortgage, you pay the same amount to the bank every month. The amount that you pay in repayment each month becomes a little more and the amount that you pay in interest every month a little less. In the beginning, the repayment is higher with a linear mortgage than with an annuity mortgage (with the same mortgage amount). This is why you pay off faster in the beginning with a linear mortgage than with an annuity mortgage.
"}}]},{"componentType":"paragraph","richBody":{"value":"2. What is a characteristic of a long-term fixed-rate period?
a) A long fixed rate period gives less certainty about the monthly costs than a short fixed rate period.
b) A long fixed rate period provides more certainty about the monthly costs than a short fixed rate period
c) A long fixed rate period has more risk of changes in monthly charges than a short fixed rate period.
The correct answer is b.
explanation
If you chose a fixed rate period, the interest rate for this period is fixed. This can be one year, but also five, ten or even twenty years. At the end of the fixed-rate period, the interest rate and your monthly payment will be determined again.
With a shorter fixed rate period, compared to a longer fixed-rate period, you have the earlier moment when you will pay a higher or lower interest rate. Therefore, a long fixed-rate period gives more certainty about the interest and associated monthly expenses than a short fixed-rate period.
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