{"id":21472,"date":"2024-10-18T09:13:00","date_gmt":"2024-10-18T09:13:00","guid":{"rendered":"https:\/\/acceptance.wilink.be\/?p=21472"},"modified":"2025-10-22T13:22:35","modified_gmt":"2025-10-22T13:22:35","slug":"wat-is-de-schuldratio","status":"publish","type":"post","link":"https:\/\/wilink.be\/nl\/wat-is-de-schuldratio\/","title":{"rendered":"Wat is de schuldratio?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"21472\" class=\"elementor elementor-21472 elementor-21471\">\n\t\t\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-5ae3e09e elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"5ae3e09e\" data-element_type=\"section\" data-e-type=\"section\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-default \">\n                <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-320b541 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"320b541\" data-element_type=\"column\" data-e-type=\"column\">\r\n        <div class=\"elementor-widget-wrap\">\r\n                     \r\n                    <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-2f7b415 elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"2f7b415\" data-element_type=\"section\" data-e-type=\"section\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-default \">\n                <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bafc25f pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"bafc25f\" data-element_type=\"column\" data-e-type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-6ca108c elementor-widget__width-initial elementor-widget elementor-widget-pxl_heading\" data-id=\"6ca108c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<div id=\"pxl-pxl_heading-6ca108c-8337\" class=\"pxl-heading px-sub-title-default-style \">\n\t<div class=\"pxl-heading--inner\">\n\t\t\n\t\t<h3 class=\"pxl-item--title wilink-section-title__highlight highlight-alignment-left style-default  highlight-default \" data-wow-delay=\"ms\">\n\t\t\t\t\t\t\tHet DTI-criterium in uw vastgoedproject\n\t\n\t\t\t\t\n\t\t<\/h3>\n\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c48411d elementor-widget__width-initial elementor-widget elementor-widget-pxl_icon_box\" data-id=\"c48411d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_icon_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-icon-box pxl-icon-box1 style-2 ani1 \" data-wow-delay=\"ms\">\n    <div class=\"pxl-item--inner\">\n        \n                            <div class=\"pxl-item--icon\">\n                                    <i aria-hidden=\"true\" class=\"bootstrap-icons bi-check2\"><\/i>                                <\/div>\n                        <div class=\"pxl-item--meta\">\n            <p class=\"pxl-item--title el-empty\">\n                                                <\/p>\n            <div class=\"pxl-item--description el-empty\">Wat is DTI?<\/div>\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19640c8b elementor-widget elementor-widget-pxl_text_editor\" data-id=\"19640c8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner  \" data-wow-delay=\"ms\">\n\t\t<p class=\"cvGsUA direction-ltr align-justify para-style-body\"><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">DTI, of Debt To Income, is de verhouding tussen de uitgaven en de inkomsten van kredietnemers. En hoewel het hier op de tweede plaats komt, is dit het belangrijkste criterium bij de analyse van een kredietaanvraag. Kredietverstrekkers willen er zeker van zijn dat u uw lening op lange termijn kunt terugbetalen zodat zij van de rente kunnen genieten. Een lening die te snel wordt afbetaald, levert hen namelijk niet genoeg inkomsten op.<\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11812d9 elementor-widget__width-initial elementor-widget elementor-widget-pxl_icon_box\" data-id=\"11812d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_icon_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-icon-box pxl-icon-box1 style-2 ani1 \" data-wow-delay=\"ms\">\n    <div class=\"pxl-item--inner\">\n        \n                            <div class=\"pxl-item--icon\">\n                                    <i aria-hidden=\"true\" class=\"bootstrap-icons bi-check2\"><\/i>                                <\/div>\n                        <div class=\"pxl-item--meta\">\n            <p class=\"pxl-item--title el-empty\">\n                                                <\/p>\n            <div class=\"pxl-item--description el-empty\">Stabiliteit en historiek van de inkomsten<\/div>\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdcbd26 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"cdcbd26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner  \" data-wow-delay=\"ms\">\n\t\t<p class=\"cvGsUA direction-ltr align-justify para-style-body\"><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">Het is van cruciaal belang dat u de kredietverstrekker kunt verzekeren van de stabiliteit, de overdraagbaarheid* en de historiek van uw inkomsten. Een contract van onbepaalde duur biedt nu eenmaal meer zekerheid dan een contract voor bepaalde duur. Maar de werkomgeving verandert. Iemand met een stabiele historiek als uitzendkracht kan net zo kredietwaardig zijn als een ambtenaar.<\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c74b14f elementor-widget__width-initial elementor-widget elementor-widget-pxl_icon_box\" data-id=\"c74b14f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_icon_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-icon-box pxl-icon-box1 style-2 ani1 \" data-wow-delay=\"ms\">\n    <div class=\"pxl-item--inner\">\n        \n                            <div class=\"pxl-item--icon\">\n                                    <i aria-hidden=\"true\" class=\"bootstrap-icons bi-check2\"><\/i>                                <\/div>\n                        <div class=\"pxl-item--meta\">\n            <p class=\"pxl-item--title el-empty\">\n                                                <\/p>\n            <div class=\"pxl-item--description el-empty\">Een redelijke schuldratio handhaven <\/div>\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fac5401 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"fac5401\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner  \" data-wow-delay=\"ms\">\n\t\t<p class=\"cvGsUA direction-ltr align-justify para-style-body\"><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">Met stabiele beroepsinkomsten moet u erop letten dat u een redelijke schuldratio handhaaft. Een koppel met een totaal inkomen van meer dan \u20ac 6.500 kan zich een hogere<\/span><\/p><p class=\"cvGsUA direction-ltr align-justify para-style-body\"><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">schuldratio veroorloven dan een alleenstaande met ee <\/span><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">inkomen van \u20ac 1.800.<\/span><\/p><p><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">Deze schuldratio mag echter bepaalde grenzen niet overschrijden. Om de beste marktvoorwaarden te verkrijgen, raden we aan om onder de drempel van 40 % te blijven. Een stijging tot 55 % of zelfs 60 % is echter denkbaar als er een voldoende vitaal saldo wordt gegarandeerd.<\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ce3ae1 elementor-widget__width-initial elementor-widget elementor-widget-pxl_icon_box\" data-id=\"9ce3ae1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_icon_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-icon-box pxl-icon-box1 style-2 ani1 \" data-wow-delay=\"ms\">\n    <div class=\"pxl-item--inner\">\n        \n                            <div class=\"pxl-item--icon\">\n                                    <i aria-hidden=\"true\" class=\"bootstrap-icons bi-check2\"><\/i>                                <\/div>\n                        <div class=\"pxl-item--meta\">\n            <p class=\"pxl-item--title el-empty\">\n                                                <\/p>\n            <div class=\"pxl-item--description el-empty\">Zorgen voor een voldoende vitaal saldo<\/div>\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3225ae elementor-widget elementor-widget-pxl_text_editor\" data-id=\"d3225ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner  \" data-wow-delay=\"ms\">\n\t\t<p class=\"cvGsUA direction-ltr align-justify para-style-body\"><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">Het volstaat uiteraard niet om een zekere schuldratio te handhaven. U moet er ook voor zorgen dat u genoeg overhoudt om uw andere maandelijkse uitgaven te dekken (eten, kleding, vervoer, vrijetijdsbesteding enz.).<\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc102cf elementor-widget__width-initial elementor-widget elementor-widget-pxl_icon_box\" data-id=\"bc102cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_icon_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-icon-box pxl-icon-box1 style-2 ani1 \" data-wow-delay=\"ms\">\n    <div class=\"pxl-item--inner\">\n        \n                            <div class=\"pxl-item--icon\">\n                                    <i aria-hidden=\"true\" class=\"bootstrap-icons bi-check2\"><\/i>                                <\/div>\n                        <div class=\"pxl-item--meta\">\n            <p class=\"pxl-item--title el-empty\">\n                                                <\/p>\n            <div class=\"pxl-item--description el-empty\">Uw schuldratio verbeteren<\/div>\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c17dcb elementor-widget elementor-widget-pxl_text_editor\" data-id=\"9c17dcb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner  \" data-wow-delay=\"ms\">\n\t\t<p class=\"cvGsUA direction-ltr align-justify para-style-body\"><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">Hoewel het moeilijk is om uw inkomsten te verhogen of uw dagelijkse uitgaven te verlagen, is het wel mogelijk om de terugbetalingsmodaliteiten van uw lening te optimaliseren. Zorg er bijvoorbeeld voor dat een deel van uw lening met vaste looptijd (of bullet) op de eindvervaldag door een groepsverzekering wordt terugbetaald. Of plan een progressieve aflossing in de loop van de tijd. Die optimalisaties kunnen u helpen om over een beter kredietpercentage te onderhandelen.<\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-b80d093 elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"b80d093\" data-element_type=\"section\" data-e-type=\"section\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-default \">\n                <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0b2b752 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"0b2b752\" data-element_type=\"column\" data-e-type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-636e14c elementor-widget elementor-widget-pxl_button\" data-id=\"636e14c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"pxl-pxl_button-636e14c-5704\" class=\"pxl-button pxl-atc-link \" data-wow-delay=\"ms\">\n    <a href=\"https:\/\/wilink.be\/nl\/neem-contact-met-ons-op\/\" class=\"btn pxl-icon-active  btn-default  inline pxl-icon--left\" data-wow-delay=\"ms\" data-target=\".pxl-page-popup-template-0\">\n                <span class=\"pxl--btn-text\" data-text=\"Ik wil graag een krediet aanvragen\">\n            Ik wil graag een krediet aanvragen        <\/span>\n            <\/a>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Wat is DTI?<br \/>\nDTI, of Debt To Income, is de verhouding tussen de uitgaven en de inkomsten van kredietnemers. En hoewel het hier op de tweede plaats komt, is dit het belangrijkste criterium bij de analyse van een kredietaanvraag. <\/p>\n","protected":false},"author":7,"featured_media":20516,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[67],"tags":[],"class_list":["post-21472","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ongecategoriseerd"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Wat is de schuldratio? - Wilink<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wilink.be\/nl\/wat-is-de-schuldratio\/\" \/>\n<meta property=\"og:locale\" content=\"nl_NL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Wat is de schuldratio? - Wilink\" \/>\n<meta property=\"og:description\" content=\"Wat is DTI? DTI, of Debt To Income, is de verhouding tussen de uitgaven en de inkomsten van kredietnemers. 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