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Consumer credit

When you need extra money, you can take out a consumer credit loan. The type of consumer credit loan you take out will depend on the purpose of the spending, your financial and personal situation.

Personal loan (amortising credit)

When you take out a personal loan, you agree on a fixed term and a fixed interest rate with the lender in advance. You will therefore repay the loan within the agreed term.

Do you have a residual debt when selling your home? Would you like to finance a renovation that doesn't quite fit within your mortgage? A personal loan meets the requirements for tax-deductible interest.

Line of credit

With a revolving credit facility, you agree on a credit limit and a repayment amount. The interest rate on this credit is variable. You can draw down and repay funds an unlimited number of times up to the agreed credit limit.

A revolving credit facility is particularly suitable for people who like to have some extra money available for unforeseen expenses. As a rule, a revolving credit facility does not meet the requirements for interest relief on the purchase or renovation of your own home. However, a revolving credit facility may qualify for interest relief on residual debt financing.