Banken gaan risico-opslag hypotheek zelf verlagen

De Rabobank gaat als eerste grote bank automatisch de risico-opslagen op de hypotheken aanpassen, zonder dat de klant erom hoeft te vragen. De Consumentenbond had daar al lang voor gepleit en roept andere banken op dit voorbeeld te volgen.
Banken berekenen vaak een extra opslag op de hypotheekrente als het geleende hypotheekbedrag even hoog of hoger is dan de woningwaarde. Deze risico-opslag is bedoeld om het extra financiele risico voor banken te beperken als bijvoorbeeld de hklant de lening niet kan terugbetalen en de verkoop van de woning de schuld niet afdekt. Als de schuld kleiner wordt door aflossing of als de woningwaarde stijgt, dan wordt het risico kleiner en kan de opslag verlaagd worden of helemaal verdwijnen. Tot nu toe moet de klant de bank daar zelf om vragen. Uit zichzelf komen banken niet snel tot verlaging van de kosten. En veel klanten zijn onvoldoende op de hoogte van de opslag, dus in de praktijk betalen huiseigenaren die opslag soms onterecht. De Consumentenbond pleit er al lang voor dat banken zelf in actie komen en niet wachten op actie van hun klant.
De Rabobank is nu de eerste grote bank die gehoor geeft aan die oproep. Vanaf 1 december verlaagt de bank op eigen initiatief de hypotheekrente. Dit geldt voor klanten waarbij de verhouding schuld – woningwaarde zo verandert dat zij in een andere (lagere) risicoklasse vallen.



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