Lenen, welk bedrag past bij mij?

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Een lening afsluiten is een van de eenvoudigste manieren om relatief snel aan geld te komen. Wil je graag jouw droomreis maken? Eindelijk die mooie auto kopen waar je al jaren over droomt of jouw woning verbouwen om die droomkeuken erin te krijgen? Dan is een persoonlijke lening een goede oplossing om dit sneller te realiseren. Hierdoor heb je niet in één keer veel geld nodig, maar kun je het in termijnen terugbetalen. Het is natuurlijk wel van belang dat je de lasten van de termijnen kunt terugbetalen. Daarom stel je altijd de belangrijke vraag: hoeveel kan ik lenen?

De maandelijkse lasten

Hoeveel je kunt lenen hangt af van je maandelijkse uitgaven. Om te leven geef je namelijk veel geld uit. Zo geef je maandelijks geld uit aan je huis, auto, kleren, eten, verzorging, ontspanning, hypotheek en nog veel meer zaken. Zet daarom voor een paar maanden jouw uitgaven op een rijtje. Hierdoor krijg je goed in beeld hoeveel saldo je per maand overhoudt. Aan de hand van dit saldo kun je bedenken wat een reëel bedrag is om te lenen.

Kosten van leningen

Elke situatie is anders, maar op het gebied van uitgaven zijn er een aantal vuistregels die je kunt hanteren. Zo kun je ervanuit gaan dat bij het gemiddelde gezin, er een derde wordt uitgegeven aan dagelijkse kleine aankopen, een derde voor terugkerende vaste kosten en een derde voor lening en spaargeld. Met deze regel is het mogelijk om een lening af te sluiten en toch comfortabel te kunnen leven.


De aflossing van een lening wordt in termijnen gedaan. Hoeveel dit per maand is zal liggen aan het maandelijkse bedrag van de lening. Als je beslist hebt over hoeveel geld je wilt gaan lenen, heb je de keuze uit verschillende aflos termijnen. Hoe sneller je aflost, hoe hoger de maandelijks kosten, maar dus ook hoe sneller je er vanaf bent. Doorgaans verschillen de aflosperiodes tussen de 18 en 84 maanden.


February 17, 2021 |

Why Mutual Fund Software is Primary Need for Businesses?

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The platform minimizes the effort of the advisors and allows multiple facilities within one platform facilitating the advisors to deliver services to the investors. The Mutual Fund Software boosts the activities of the firm. For more information, visit @-

RED Vision is a vertically integrated IT company that like any spirited business entity runs on Ideas, emotions, grit and enterprise. What is more to it, we encompasses something that goes beyond information technology. This means that when it comes to providing a solution, we design it in the earnest sense. A 360 degree thought and seamless execution gives birth to a perfect communication design. In this world where incessant change is the buzzword, we strive hard to be proactive. This reflects in the rewards that our clients reap.
January 4, 2021 |

How a startup can build a great SaaS app on a limited budget

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As a start-up founder you have only one goal: to convert your idea into a product as quickly as possible and storm the market with it. Sprout expert Marc van Neerven explains how you can build a great SaaS service with a limited budget.

A focus on speed-to-market, given the constraints of a small budget (unless you have just won the lottery), produces a very pragmatic, sometimes even opportunistic attitude.

However, this same opportunism also presents some challenges when it comes to establishing a good foundation for your SaaS app.

Provided you are aware of this dynamic and its implications, you can be very lean and pragmatic and still make a great first impression with your SaaS MVP.

As Chief Technology Officer (CTO) I have worked with countless early startups, many of them grappling with tech issues.

I will group my findings into Process, Product and People:

1. Process

If you are lean, you don’t need a lot of tooling to manage your company. Expensive project management, CRM or financial software are really a bridge too far, but you do need some structure, especially on task, workflow and knowledge management.

Note: Saving documents in folders is not knowledge management

To get the noses in one direction as a team, it is good to use a knowledge management tool, preferably one that makes it ultra-simple and productive to write and share content. Previously I would have said ‘use a Wiki’, but compared to what’s on the market now, a Wiki feels gooey and clunky.

Personally, I am very fond of Nuclino. Nuclino provides direct, focused content management, where productivity comes first. Everything you write or add is immediately live (for your team), internal links are too simple for words and pictures, videos and diagrams, you drag or paste without any effort.

There are now plenty of tools like this that allow a team to have (and keep) its noses in one direction when it comes to everything important in running a startup and developing a strategy.

What you should not forget, however, is that the use of knowledge management tools entails a mindset change: your team members will have to break free from entrenched habits such as sending email attachments to each other, or saving documents in SharePoint / OneDrive / Google Drive / Dropbox folders and send each other left.

I have worked with so many startups, scaleups and ISVs who admitted that their internal knowledge sharing was a nightmare, that I can safely say that using a good knowledge management tool can make a huge difference.

So we sometimes want to make an exception in this way. Run rate x 12 should be around € 2 mln. In short, turnover can be viewed in different ways.

What does the investment process look like and what are situations in which you want to abandon the normal course of business in order to make an offer faster?

Daniël: We first look at the commercial aspect of the company. Based on the commercial aspect and the associated traction, we will decide to conduct deeper analyzes. If all traffic lights turn green, a non-binding initial offer (NBO) will follow. As soon as there is agreement between the scale-up and the investor with regard to the NBO, the due diligence investigation will start. We then really dive into your books, your forecast, your accounting system, your Google Analytics, etc. In short, we try to map the most important KPIs (e.g. LTV / CAC) and underlying factors. We would also like to talk to your customers and market experts. We also do a technical due diligence: are you GDPR compliant, is the IT platform scalable, is there technical debt, are there key-personnel risks, etc. Based on this in-depth investigation, we make a binding offer. This entire process normally takes between 3 and 4 months.

October 21, 2020 |
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