Mortgage self-employed person

Mortgage self-employed. Self-employed bookkeeper can help the self-employed person obtain a mortgage for his own home.

First impression at the bank mortgage self-employed person

Since the credit crisis, banks have been more cautious about providing mortgages for their own homes. Reason: The self-employed person often has to deal with peaks and troughs in his income, unlike someone who works as an employee.

Your first impression at the bank is the most important thing, which is why ZZP Boekhouder will prepare you professionally for the interview with the bank. In any case , the self-employed person must

To hand over his annual accounts for the past three financial years.
To hand over the final income tax assessments for the past three years.
Provide a copy of the submitted income tax return.
Your life partner’s earnings are also important.
And if the self-employed person has any savings in his savings account, this is an extra advantage.
Just like any surplus value on a home that is still in possession at the moment.

Drawing up annual accounts for self-employed mortgage

As a self-employed person, you must be able to submit at least three annual accounts. The self-employed accountant can draw it up for you annually and can also guide you in the process to the bank. For this we charge our hourly rate of 60 euros excluding VAT.

Net profit

Our goal: to listen to your mortgage wishes and listen to the offer of the bank you have chosen, in order to advise you on what is best for your net profit, fixed costs and family situation. Of course, we look at what the best conditions are for the self-employed person and what the most favorable interest rate is.

The additional loan scheme

It is important for the self-employed person who has an existing owner-occupied home in, for example, Haarlem and is going to sell it to determine the amount of his surplus value (the tax authorities call it the owner-occupied home reserve) at the time of sale.

Home equity

Since 1 January 2004, the self-employed person has had to repay the surplus value (purchase price plus purchase costs and possibly costs of the renovation minus the sales price) from the new mortgage when he moves. If the self-employed person does not do this (the self-employed person buys a car from the surplus value,) then part of the mortgage interest is not deductible.

Limitation of interest deduction

The self-employed person may deduct thirty years of mortgage interest from the income tax. When purchasing a new home in, for example, Amsterdam , the self-employed person must take into account the fact that he is no longer eligible for thirty years of mortgage interest deduction again.