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Freo lowers interest on personal loans, also for lower amounts

 Freo will implement an interest rate cut on personal loans with different amounts. Freo is known as one of the cheapest lenders in the Netherlands. This reduction has further strengthened this position.

A real price war seems to have broken out among lenders in the Netherlands this year. They are lowering their interest rates more and more often and in succession in quick succession. Until now, the struggle was mainly visible with the higher loan amounts, often from 50,000 euros. But Freo is now also lowering the interest on smaller loans as of December 1.

Merge Loans

Freo’s interest rate cut is good news for many people. For anyone with all kinds of small loans totaling more than 10,000 euros, for example. Because the smaller the credit, the higher the interest. If you take out a personal loan with Freo via Krediet.nl, you can combine all those individual loans in one go . You are then freed from those high interest rates and your monthly payments decrease. Let’s calculate how much that saves you.

Lower monthly costs

Do you have an expensive loan somewhere else? Then this is the time to switch to a cheaper loan with Freo. You can usually pay off your existing personal loan or revolving credit without penalty. This makes a switch easy to make. If you contact Krediet.nl, we will ensure that Freo arranges the new loan as soon as possible. This can be arranged in a few days. Your old loan will be repaid and your new monthly payments are much lower.

Big purchase

Naturally, Freo’s interest rate reduction also offers excellent opportunities if you are faced with a large purchase. Do you want to beautify your home with a new bathroom or kitchen ? Do you want to finance a new car or are you looking for adventure and buy a motorcycle ? Whatever your wishes are, you can often borrow cheap money for this nowadays. While saving does not get along with the low interest rates. 

Maximum interest lower even further?

If you buy something (online) on installment, you are in fact borrowing money for your purchase. You therefore also pay interest, often with the maximum allowed rate. That has recently been reduced from 14% to 10%. But ChristenUnie and PvdA are now arguing for a further reduction to 7%. Sounds good, but there are also objections.

People who have little or no financial space often have to rely on an installment purchase for certain necessary expenses. The problem is that because of the high interest rates they pay more, while they actually have less to spend. Buying on installment can lead to debts that grow over your head.

Plea for interest at 7%

Because many Dutch people ran into problems due to the corona crisis, the statutory maximum interest rate on loans was reduced from 14% to 10% in August. The reduction will be in effect until March 1, 2021, but may be extended for another six months after that. For ChristenUnie and PvdA, the temporary reduction does not go far enough. They want the maximum interest rate on loans to be further reduced to 7%. 

Lower interest, less debt?

An investigation is currently underway into the effects of a possible interest rate cut. Finance Minister Wopke Hoekstra first wants to await the results of this before making a decision on further or permanent interest rate cuts. Debt counseling professionals also have reservations about the plan of ChristenUnie and PvdA. The question is whether such an interest rate cut will indeed reduce the debt problem.

Pay interest longer

At first glance you would think: a lowering is good. Because you pay less, right? Yes, but there’s a catch. If the interest rate is lower, lenders earn less on their loans. In order to maintain their profits, they can decide to stop with short-term loans and only offer credit for a longer period of time. Then you are tied to your loan for longer, you pay interest longer and you may have lost even more in total. 

Low interest rates make borrowing tempting

A second objection is that the lower interest rates can tempt people to buy on installment, even if it is not really necessary. This can lead to an accumulation of credit and to an ever-increasing debt. The debt risk is actually greater with installment purchases because no income check takes place there. You therefore do not know in advance whether the extra monthly costs fit within the family budget. An income check with all loans is therefore perhaps a better way to avoid debt. 

Responsible borrowing

Krediet.nl is a proponent of low interest rates, but especially responsible lending. Very simple: if you borrow money, it should not get you into financial trouble. We therefore carefully check what amount you can borrow with your income. We also check which loan with which term suits you. We then look for the credit with the lowest possible interest and let you know exactly how much you have lost per month and in total.

Merge Loans

Have you opted for payment in installments a few times in the past and do you now have a number of small credits with high monthly payments? Ask us if you can take out a personal loan with which you can combine those small loans proceeds in one go . There is a good chance that the interest rate will be much lower and your monthly payments will decrease. 

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