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The Dutch lenders plan to factor in pension income earlier and limit mortgage debt at age 85. The changes will apply to some new borrowing decisions, not all existing mortgages.
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Rabobank and its mortgage subsidiary Obvion plan to change how they calculate maximum mortgages from March 2027. The new rules will apply when customers refinance, move home or make certain changes to an existing mortgage, rather than automatically affecting every current borrower. [1]
Under the planned rules, expected pension income will be taken into account 15 years before a borrower reaches retirement age. The current calculation does so 10 years before retirement. The new approach will also take life expectancy into account and limit mortgage debt at age 85 to 70% of the home’s value. [1]
ANP reports that people approaching retirement may be able to borrow less, particularly if they increase their mortgage, refinance or move. It says the changes follow discussions with regulators who wanted some rules reviewed. [1]
The exact start date in March has yet to be announced. It is also unclear which changes to an existing mortgage will bring a customer under the new rules. [1]
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