Gesprek bij de bank
A conversation about a mortgage at the bank
B2 · Upper intermediate · ≈ 23 min · setting: Eindhoven, Tilburg
There are many numbers here, and almost every one comes with a caveat: indicatief, onder voorbehoud, afhankelijk van. Listen for pairs of “number — caveat”: without the second part, the number means nothing.
- Question 1: what amount does the consultant mention and how final is it?
- Question 2: what is the difference between the rates for a 10-year and a 20-year fixed rate?
- Question 3: which documents need to be sent?
- Question 4: what happens to the amount if one of the partners has a temporary contract?
Gesprek — Oriënterend hypotheekgesprek
First meeting at the bank: to find out what you can expect.
- Nora
- Sandraadviseur
- Nora
- Sandraadviseur
- Nora
- Sandraadviseur
- Nora
- Sandraadviseur
- Nora
- Sandraadviseur
- Nora
- Sandraadviseur
- Nora
- Sandraadviseur
- Nora
- Sandraadviseur
Number and its caveat
| Number | What it refers to | Caveat |
|---|---|---|
| 78.000 | combined gross income | client's initial data |
| 340.000 | indicative loan amount | indicatief, not a promise |
| 20–30 thousand | how much less without a declaration | estimation “al gauw” |
| 3,6 % | rate for 10-year fixed term | valid until tomorrow afternoon |
| 4,1 % | rate fixed for 20 years | same |
| 5 working days | time until the final answer | after receiving documents |
| Number | What it refers to | Caveat |
|---|---|---|
| 78.000 | combined gross income | client's initial data |
| 340.000 | indicative loan amount | indicatief, not a promise |
| 20–30 thousand | how much less without a declaration | estimation “al gauw” |
| 3,6 % | rate for 10-year fixed term | valid until tomorrow afternoon |
| 4,1 % | rate fixed for 20 years | same |
| 5 working days | time until the final answer | after receiving documents |
The word indicatief and the phrase pas dan is het bedrag hard frame the entire conversation: until the documents are submitted, no figure is binding on the bank.
Vocabulary
lenen
to borrow
het bruto jaarinkomen
gross annual income
indicatief
indicative
de toezegging
commitment, approval
de studieschuld
student debt
de intentieverklaring
employer's declaration of intent
de werkgeversverklaring
employer's statement
de loonstrookpl. loonstroken
payslip
de rente vastzetten
to fix the rate
het renterisico
interest rate risk
aanleveren
to supply, to submit (documents)
hard
firm (of an amount)
| lenen | to borrow |
| het bruto jaarinkomen | gross annual income |
| indicatief | indicative |
| de toezegging | commitment, approval |
| de studieschuld | student debt |
| de intentieverklaring | employer's declaration of intent |
| de werkgeversverklaring | employer's statement |
| de loonstrookpl. loonstroken | payslip |
| de rente vastzetten | to fix the rate |
| het renterisico | interest rate risk |
| aanleveren | to supply, to submit (documents) |
| hard | firm (of an amount) |
1. Figures and conditions
Luister en kies het juiste antwoord.
Listen and choose the correct answer.
- 1
Welk bedrag noemt de adviseur?
- 2
Waarom is een intentieverklaring nodig?
- 3
Hoeveel scheelt het ontbreken van die verklaring?
- 4
Welke rente geldt voor twintig jaar vast?
- 5
Welke documenten moeten worden aangeleverd?
- 6
Wanneer is het bedrag definitief?
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