Since 2005
updated daily
1,200,000 people
visit us every year
Fair comparison
completely independent

Which factors determine the maximum amount and interest of a loan

Not everyone can borrow the same amount. In fact, for many Dutch people, they cannot take out a loan at all. And if a loan is possible, with a number of lenders, one customer pays a different interest for the same loan than another customer. On this page we will discuss the factors that determine whether you can get a certain loan and whether you can experience higher interest rates.

Compare the current interest rates of borrowing directly
Calculate online the maximum you can borrow


When you apply for a loan, the lender will request your income details. First of all, the level of your income is looked at and also how stable your income is. The higher and more sustainable the income, the easier it becomes to apply for a loan and the sharper the interest rates. Below is an overview of the most common sources of income:

Borrowing with permanent employment
Borrowing with temporary employment
Borrowing as an entrepreneur / self-employed person
Borrow with benefits
Borrow with income from retirement

Family situation

When applying for a loan, the monthly costs of the applicant are taken into account. These monthly charges are not determined per applicant, but are based on standard calculations from NIBUD. Among other things, the family situation is important here. For example, it is assumed that a single person has lower monthly costs than a married couple with children. A single person can - if the rest of the factors are equal - therefore borrow more than a family with children.


Lenders all apply a minimum and maximum age. Children (under 18 years old) and the very elderly often cannot get a loan. However, there are major differences between the different lenders.

Extensive information about the minimum and maximum age when borrowing

Living situation

Someone who owns a home has different costs than someone with a rented house or someone living in rooms (or living in). Lenders take this into account. Moreover, it appears that statistically speaking, there are differences between the different types of living situation when looking at payment morale. In general, it is assumed that people with their own home are better payers, so that lenders often see having their own home as an advantage. This can come back in the form of better conditions.

Outstanding loans and CRO codes

The Credit Registration Office (CRO) keeps track of all Dutch people's loans. In addition, it is monitored whether the interest and repayments on these loans have always been paid properly. When applying for a loan, the lender will almost always do a CRO assessment. When someone already has current loans, this can greatly limit the scope for extra borrowing. If the CRO assessment shows that there have been payment problems with outstanding loans in the past (coding arrears at the CRO), it will become very difficult to take out a loan.

desired loan amount

All lenders apply a minimum and maximum loan amount. Below $ 2500 and above $ 75,000 it becomes difficult to take out consumer credit. The interest is not the same for all loan amounts. Almost all lenders use a graduated scale. This means that the amount of the interest depends on the loan amount. Usually, the interest is lower as the loan amount increases.

Compare the current interest rates of borrowing directly


With a number of loans, term life insurance is included in the loan. When the applicant for the loan dies, the loan is fully or partially forgiven. Thanks to this insurance, relatives are not saddled with debts and the lender can be sure that the loan will be (partly) repaid in the event of death. Loans with such insurance often have a higher interest rate.

Comprehensive information about the cancellation of the loan in the event of death

Loan interest tax deductible?

The net amount you spend on the loan to be taken out depends on whether the interest is tax deductible. This may be the case if you take out a loan for a renovation to your owner-occupied home. The interest on a personal loan is then just as deductible as mortgage interest. This makes the loan a lot cheaper per month net.

Extensive information about the deductibility of loan interest