So exactly what credits and debts does the BKR register?
The BKR registers all loans, credits and debts over €250 that you take out. Exceptions are student debt and a mortgage. However, the latter does cause a (negative) registration when you fall behind in payments by at least three installments.
Yet many people are not aware of all the things, loans and debts that the BKR records. Therefore, we list the most important ones for you.
1. Personal loan or revolving credit
When you take out a personal loan or a revolving credit of more than €250, the lender is obliged to report this loan to the BKR.
With a revolving credit, you have agreed with the lender a limit to which you can withdraw money. You pay interest and repayments on the amount withdrawn and you can withdraw the amount again. If the agreed limit is higher than €250, a revolving credit is registered with the BKR.
2. Spending limit of your credit card
Your credit card spending limit is registered with the BKR.
With an installment credit card, you pay back a portion of what you have purchased each month. You have agreed with the credit card company an amount up to which you may make purchases. Is that amount higher than €250? Then this is known at the BKR.
3. Being in the red on your bank account
A similar situation is standing in the red on your bank account. Again, if you are allowed to be in the red for more than €250, this is known to the BKR.
4. Private lease contracts
When you have entered into a private lease contract for your car, you pay monthly fees on this. This consists of:
- A financial component. This refers to spring and depreciation.
- A service component. These are taxes, maintenance, repairs and insurance.
The financial component is 65% registered by the BKR.
5. Subscriptions with "free" cell phone
Many people don't realize it, but when you take out a phone plan with a "free" cell phone, you are actually buying the phone on credit. Is that phone worth more than €250 (which applies to almost all phones nowadays)? Then this phone is registered with the BKR.
6. Mortgage arrears
As mentioned, a mortgage is not registered as a debt by the BKR. It really does when you fall behind on payments on the mortgage by 90 days (three installments) or more.
Unsure if you have a BKR registration? You can easily see for yourself if you have a BKR registration.
Credit registration with the BKR need not be a problem in itself. In most cases, it only becomes a problem when you fall behind on repayments.
These debts are registered by the BKR as a so-called negative BKR registration. Below we explain the difference between a positive and a negative registration and what this means for you in practice.
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