DGN Helpt.nl: de nieuwe incubator voor internetprojecten

Vandaag is DGNHelpt.nl gelanceerd, de nieuwe incubator voor internetprojecten.
Er lopen in Nederland honderden mensen rond met het idee voor een briljant internetconcept. Tot uitvoering daarvan komt het vaak niet door gebrek aan kennis, ervaring of financiële middelen. Voor al die mensen is DGN Helpt het nieuwe platform om hun idee te realiseren.

Met dit initiatief wil DGN Publishers haar jarenlange ervaring met de ontwikkeling van internet concepten beschikbaar stellen voor nieuwe, originele projecten. Bezoek de site.

Bron: DGN Publishers

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Provisies van hypotheek blootgelegd op website

Huizenkopers die via een intermediair een hypotheek afsluiten kunnen voortaan zien hoeveel provisie hun financieel tussenpersoon krijgt. De afgelopen vrijdag gelanceerde internetsite provisieoverzicht.nl geeft een overzicht van provisiepercentages die banken en andere geldverstrekkers uitkeren.

‘Hiermee willen we meer transparantie bieden in de hypotheekmarkt’, aldus Paul Lefering, directeur van DGN Publishers, de eigenaar van de internetsite. Het bedrijf is tevens eigenaar van de vergelijkende internetsites degoedkoopstenotaris.nl en zorgkiezer.nl.

Uit de gegevens op de hypotheeksite valt af te leiden dat de tussenpersoon per hypotheek gemiddeld euro 4000 aan provisie krijgt. Uit onderzoek van de site blijkt verder dat bij een beleggingshypotheek van euro 300.000 de provisie kan oplopen tot meer dan euro 6000 en bij een spaarhypotheek zelfs tot bijna euro 7000.

Tussenpersoon: Uw huis, zijn salaris
Aflossingsvrij euro 300.000
Provisie bij ABN Amro is euro 2040; bij AXA euro 1500
Spaarhypotheek euro 300.000
Provisie bij Aegon euro 6120; bij Fortis euro 4800
Beleggingshyp. euro 300.000
Provisie bij ING euro 5280; bij Delta Lloyd is dat euro 1800 en bij SNS Bank euro 5550

De site vermeldt voor een groot aantal geldverstrekkers wat zij voor provisiepercentages uitkeren, uitgesplitst naar hypotheeksoort. Directeur Paul Lefering: ‘De informatie is van belang omdat de hoogte van provisie bepalend kan zijn voor het advies. Het provisiebeleid van geldverstrekkers tast de objectiviteit van tussenpersonen aan.’

Slechte kwaliteit

De Autoriteit Financiële Markten (AFM) maakte eerder deze week bekend dat Nederlanders in een kwart van de gevallen hypotheekadvies van slechte kwaliteit krijgen. Hierdoor kunnen huizenkopers voor te hoge maandlasten komen te staan. ‘Vooral bij het oversluiten van hypotheken zijn we dat in ons onderzoek tegengekomen. Dat is een van de speerpunten waar we naar moeten kijken’, zei bestuursvoorzitter Hans Hoogervorst van de AFM.

De organisatie wijst verder op de soms gebrekkige adviezen over de fiscale behandeling van de hypotheeklening. Een AFM-woordvoerder erkent dat verschillen in provisies in sommige gevallen leiden tot slechte hypotheekadviezen.

Wettelijke grondslag

De informatie op de nieuwe provisiesite is volgens Levering afkomstig van wat hij ‘klokkenluiders’ noemt. Enkele partijen in de branche, waaronder tussenpersonen en een paar banken, werken eraan mee. ‘Hoeveel en wie precies houd ik voor me omdat ik anders mijn werkwijze prijsgeef.’ De AFM gaat de betrouwbaarheid van de informatie niet controleren. ‘Daarvoor is geen wettelijke grondslag’, aldus de woordvoerder.

Levering verwacht dat de nieuwe transparantie consumenten de kans biedt beter te onderhandelen over de hypotheekoffertes. ‘Verder ga ik ervan uit dat steeds meer tussenpersonen overgaan tot vaste bemiddelingsprijzen voor hypotheekadvies.’ Vanaf 1 januari 2009 is het voor de sector trouwens verplicht om inzicht te bieden over de provisie-inkomsten.

In totaal staan nu 4,2 mln hypotheken in Nederland uit. Daarmee is een bedrag van euro 123 mrd gemoeid. In 2006 zijn er 545.752 nieuwe hypotheken bijgekomen.

Bron: ProvisieOverzicht.nl

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