{"id":2112,"date":"2024-12-29T14:37:27","date_gmt":"2024-12-29T14:37:27","guid":{"rendered":"https:\/\/orionfd.nl\/?page_id=2112"},"modified":"2025-01-03T15:43:56","modified_gmt":"2025-01-03T15:43:56","slug":"zzp","status":"publish","type":"page","link":"https:\/\/orionfd.nl\/en\/zzp\/","title":{"rendered":"zzp"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"2112\" class=\"elementor elementor-2112\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39975239 e-flex e-con-boxed e-con e-parent\" data-id=\"39975239\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2666353b e-con-full e-flex e-con e-child\" data-id=\"2666353b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7c22b47f e-con-full e-flex e-con e-child\" data-id=\"7c22b47f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b97ad8a e-con-full e-flex e-con e-child\" data-id=\"b97ad8a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f065a46 elementor-widget elementor-widget-image\" data-id=\"4f065a46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"961\" height=\"961\" src=\"https:\/\/orionfd.nl\/wp-content\/uploads\/2024\/12\/zzp_icon-2.jpg\" class=\"attachment-full size-full wp-image-2182\" alt=\"\" srcset=\"https:\/\/orionfd.nl\/wp-content\/uploads\/2024\/12\/zzp_icon-2.jpg 961w, https:\/\/orionfd.nl\/wp-content\/uploads\/2024\/12\/zzp_icon-2-300x300.jpg 300w, https:\/\/orionfd.nl\/wp-content\/uploads\/2024\/12\/zzp_icon-2-150x150.jpg 150w, https:\/\/orionfd.nl\/wp-content\/uploads\/2024\/12\/zzp_icon-2-768x768.jpg 768w, https:\/\/orionfd.nl\/wp-content\/uploads\/2024\/12\/zzp_icon-2-600x600.jpg 600w, https:\/\/orionfd.nl\/wp-content\/uploads\/2024\/12\/zzp_icon-2-100x100.jpg 100w\" sizes=\"(max-width: 961px) 100vw, 961px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2aeda890 e-con-full e-flex e-con e-child\" data-id=\"2aeda890\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14dda92 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"14dda92\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Self-Employed<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79b8100a elementor-widget elementor-widget-heading\" data-id=\"79b8100a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Your business, your home, your future<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35b280b5 elementor-widget elementor-widget-text-editor\" data-id=\"35b280b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Do you dream of owning a home as a self-employed entrepreneur, but find it challenging to get a mortgage due to your independent income? Don\u2019t worry, with the right guidance, it\u2019s achievable! Whether you're just starting or already an established business owner, we understand the nuances of your financial situation. We help you understand what you can borrow, how to make the most of your entrepreneurial income, and what options are available to you. Together, we\u2019ll ensure that your home is as strong as your business.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1247 elementor-widget elementor-widget-global elementor-global-1247 elementor-widget-button\" data-id=\"1247\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/orionfd.nl\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Make appointment<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-58e81489 e-flex e-con-boxed e-con e-parent\" data-id=\"58e81489\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-524823a5 e-con-full e-flex e-con e-child\" data-id=\"524823a5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5bb602f5 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"5bb602f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What you need to know and what banks ask for<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53380c20 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"53380c20\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As a self-employed entrepreneur, obtaining a mortgage can seem more challenging than for an employee, but with the right preparation, you can definitely secure a mortgage that fits your situation. Banks and lenders look at various factors to assess whether you qualify for a mortgage and how much you can borrow. Below, we list the key aspects and what banks typically want to know when applying for a mortgage as a self-employed individual.<\/p><h3>1. <strong>Inkomen en winst<\/strong><\/h3><p>One of the main things banks look at is your income. As a self-employed person, your income is often less stable than that of an employee, so banks usually look at your average profit over the past three years. This gives them insight into the continuity of your income. Are you just starting as an entrepreneur? Then, they\u2019ll look at your expected income based on your plans and market conditions.<\/p><p><strong>What the bank often asks:<\/strong><\/p><ul><li>What were your turnover and net profit over the last three years?<\/li><li>Do you have concrete expectations for the coming years?<\/li><li>How much tax have you paid in the past few years?<\/li><\/ul><h3>2. <strong>Belastingaangiften en financi\u00eble overzichten<\/strong><\/h3><p>Your tax returns give banks insight into your actual financial situation. Since self-employed individuals can deduct many expenses, such as business costs, it\u2019s important that your tax returns are accurate and up-to-date. A complete and accurate tax return is crucial for a mortgage application.<\/p><p><strong>What the bank often asks:<\/strong><\/p><ul><li>Can you show the tax returns for the past three years?<\/li><li>Have you had tax deductions as a business owner, and how do these affect your final income?<\/li><\/ul><h3>3. <strong>Stabiliteit van je onderneming<\/strong><\/h3><p>It\u2019s important for banks to know how stable your business is. If you rely on a few large clients or projects, it could be risky. The more diverse your client base and the longer your contracts, the better this is for your mortgage application. You need to demonstrate that your income is stable enough to cover your monthly payments.<\/p><p><strong>What the bank often asks:<\/strong><\/p><ul><li>How many clients do you have, and are these long-term contracts or projects<\/li><li>How stable is your income flow in the long term?<\/li><\/ul><h3>4. <strong>Eigen vermogen en spaargeld<\/strong><\/h3><p>Your assets and savings can play an important role in your mortgage application. If you have built up equity, for example through savings, property, or other assets, it can positively contribute to your application. Banks want to know if you have financial reserves for unforeseen circumstances.<\/p><p><strong>What the bank often asks:<\/strong><\/p><ul><li>Do you have savings or other assets that you can use as a buffer?<\/li><li>Have you built up reserves for business expenses or investments?<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55c6488 elementor-widget elementor-widget-image\" data-id=\"55c6488\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/orionfd.nl\/wp-content\/uploads\/2024\/12\/pexels-photo-5256140-5256140-1-1024x683.jpg\" class=\"attachment-large size-large wp-image-2119\" alt=\"Side view of concentrated young African American lady sitting at table in home while working remotely on computer and drinking coffee near big dog\" srcset=\"https:\/\/orionfd.nl\/wp-content\/uploads\/2024\/12\/pexels-photo-5256140-5256140-1-1024x683.jpg 1024w, https:\/\/orionfd.nl\/wp-content\/uploads\/2024\/12\/pexels-photo-5256140-5256140-1-300x200.jpg 300w, https:\/\/orionfd.nl\/wp-content\/uploads\/2024\/12\/pexels-photo-5256140-5256140-1-768x512.jpg 768w, https:\/\/orionfd.nl\/wp-content\/uploads\/2024\/12\/pexels-photo-5256140-5256140-1-1536x1024.jpg 1536w, https:\/\/orionfd.nl\/wp-content\/uploads\/2024\/12\/pexels-photo-5256140-5256140-1-2048x1365.jpg 2048w, https:\/\/orionfd.nl\/wp-content\/uploads\/2024\/12\/pexels-photo-5256140-5256140-1-600x400.jpg 600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5b8d72 elementor-widget elementor-widget-text-editor\" data-id=\"b5b8d72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>5. <strong>Risico\u2019s van je onderneming<\/strong><\/h3><p>Banks want to understand how low-risk your business is. They\u2019ll look at whether your business is susceptible to market fluctuations or other external factors. If you\u2019ve positioned your business well and mitigated risks, it can positively impact your mortgage application.<\/p><p><strong>What the bank often asks:<\/strong><\/p><ul><li>How is your business affected by market or economic changes?<\/li><li>Have you taken specific measures to reduce the risks of your business?<\/li><\/ul><h3>6. <strong>Rekeningoverzichten en debiteurenbeheer<\/strong><\/h3><p>Your bank statements give the bank insight into how you manage your finances. They want to see that both your business and personal finances are in order and that you meet your financial obligations. The bank may also ask about any other loans, such as personal credits or business loans.<\/p><p><strong>What the bank often asks:<\/strong><\/p><ul><li>Can you provide the latest statements for your business and personal accounts?<\/li><li>Do you have any other debts or loans that could impact your loan?<\/li><\/ul><h3>7. <strong>Verzekeringen en pensioen<\/strong><\/h3><p>As a self-employed individual, it\u2019s important to think about your pension and disability insurance. Banks often want to know if you are well-prepared for potential risks. If you have a pension plan or insurance that covers your income if you can\u2019t work temporarily, it\u2019s seen as a positive point.<\/p><p><strong>What the bank often asks:<\/strong><\/p><ul><li>Do you have a pension plan, and are you insured against disability?<\/li><li>Do you have other insurance that protects your income in case of illness or accidents?<\/li><\/ul><h3>8. <strong>Zakelijke kosten en aftrekken<\/strong><\/h3><p>As a business owner, you can deduct many expenses from your taxes, such as office space, equipment, and other business expenses. However, banks keep in mind that these deductions affect your taxable income. They want a clear picture of your actual income after business costs have been deducted.<\/p><p><strong>What the bank often asks:<\/strong><\/p><ul><li>What business expenses have you deducted in your tax return?<\/li><li>How are these deductions calculated by the tax authorities, and what is their impact on your net income?<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-55543ece e-flex e-con-boxed e-con e-parent\" data-id=\"55543ece\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-51e2ecf7 e-con-full e-flex e-con e-child\" data-id=\"51e2ecf7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22e1e6d9 elementor-widget elementor-widget-heading\" data-id=\"22e1e6d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step-by-step to your dream home\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a8e9cac elementor-widget elementor-widget-text-editor\" data-id=\"2a8e9cac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As a self-employed person, a mortgage application can be complex, but with proper preparation, it\u2019s certainly possible. The bank will look at your income, tax returns, assets, and the stability of your business. Make sure your paperwork is in order and that you submit the right documents so you can confidently apply for your mortgage and make your dream home a reality! We\u2019re here to help you at every step of the process, so you can make the right choices with confidence.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1247 elementor-widget elementor-widget-global elementor-global-1247 elementor-widget-button\" data-id=\"1247\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/orionfd.nl\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Make appointment<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-52b24998 e-con-full e-flex e-con e-child\" data-id=\"52b24998\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a7afd4 elementor-cta--layout-image-left elementor-cta--mobile-layout-image-above elementor-cta--valign-middle elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"a7afd4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t<div class=\"elementor-cta__bg-wrapper\">\n\t\t\t\t<div class=\"elementor-cta__bg elementor-bg\" style=\"background-image: url(https:\/\/orionfd.nl\/wp-content\/uploads\/2024\/12\/pexels-photo-7641867-7641867-683x1024.jpg);\" role=\"img\" aria-label=\"Couple discussing a blueprint with a real estate agent, planning their new home purchase.\"><\/div>\n\t\t\t\t<div class=\"elementor-cta__bg-overlay\"><\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>ZZP&#8217;er Jouw onderneming, jouw huis, jouw toekomst Droom je als zzp\u2019er van een eigen woning, maar lijkt het door je zelfstandige inkomen een uitdaging om een hypotheek te krijgen? Geen zorgen, met de juiste begeleiding wordt het haalbaar! Of je nu net gestart bent of al een gevestigde ondernemer bent, wij begrijpen de nuances van [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-2112","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/orionfd.nl\/en\/wp-json\/wp\/v2\/pages\/2112","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/orionfd.nl\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/orionfd.nl\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/orionfd.nl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/orionfd.nl\/en\/wp-json\/wp\/v2\/comments?post=2112"}],"version-history":[{"count":28,"href":"https:\/\/orionfd.nl\/en\/wp-json\/wp\/v2\/pages\/2112\/revisions"}],"predecessor-version":[{"id":2725,"href":"https:\/\/orionfd.nl\/en\/wp-json\/wp\/v2\/pages\/2112\/revisions\/2725"}],"wp:attachment":[{"href":"https:\/\/orionfd.nl\/en\/wp-json\/wp\/v2\/media?parent=2112"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}