{"id":1434,"date":"2023-08-07T13:05:41","date_gmt":"2023-08-07T11:05:41","guid":{"rendered":"https:\/\/regbu.com\/?p=1434"},"modified":"2025-09-05T07:40:13","modified_gmt":"2025-09-05T05:40:13","slug":"refinancovani-vs-konsolidace-pujcek","status":"publish","type":"post","link":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/","title":{"rendered":"Herfinanciering vs. consolidatie van leningen"},"content":{"rendered":"<p>Herfinanciering is een concept dat nauw verwant is aan bijvoorbeeld\u00a0<strong><a href=\"https:\/\/regbu.com\/nl\/amerikaanse-hypotheker-van-klassieker-lissa\/\">Amerikaanse hypotheek<\/a><\/strong>Conventionele hypotheken, consumentenleningen en andere soorten leningen. Een concurrent voor dit financi\u00eble product is consolidatie van leningen. Beide hebben \u00e9\u00e9n belangrijk doel.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Verlaging van maandelijkse termijnen<\/li>\n\n\n\n<li>Lagere rente<\/li>\n\n\n\n<li>Kosten minimaliseren<\/li>\n<\/ul>\n\n\n\n<p>Het is echter essentieel om te weten wat <em>verschillen tussen de twee varianten<\/em>. Elk van hen heeft niet alleen een andere betekenis. Ze hebben ook bepaalde voor- en nadelen. In de volgende regels zullen we je daarvan overtuigen.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Wat is herfinanciering van een lening?<\/h2>\n\n\n\n<p>Als je zegt <strong>herfinanciering van leningen<\/strong>...kun je je maar \u00e9\u00e9n ding voorstellen. In lekentaal: de oude lening wordt vervangen door een nieuwe. Deze heeft betere kredietvoorwaarden. Dat wil zeggen, hij heeft een lagere rente of biedt iets extra's. Je zult deze stap dus zetten met het vooruitzicht om geld te besparen. Tegelijkertijd kan het een oplossing zijn als je de ongunstige schulden niet kunt afbetalen.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Leningconsolidatie en aanvullende informatie<\/h3>\n\n\n\n<p>Consolidatie is in wezen gebaseerd op herfinanciering. Achter deze term schuilt echter <strong>fusie of, als je dat liever hebt, vereniging<\/strong>. Meerdere leningen worden tegelijkertijd gecombineerd. Deze worden in feite vervangen door \u00e9\u00e9n enkele. Via onderstaande regels kom je meer te weten over de voordelen van beide oplossingen.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1691492587714\"><strong class=\"schema-faq-question\">Welke producten kunnen worden geconsolideerd?<\/strong> <p class=\"schema-faq-answer\">Dit kunnen niet-bancaire leningen, consumentenleningen, rekening-courantkredieten en creditcards zijn.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492594135\"><strong class=\"schema-faq-question\">Kan ik mijn maandelijkse betaling verlagen door te herfinancieren?<\/strong> <p class=\"schema-faq-answer\">Ja, in de eerste plaats komt dat door de betere rente. Dan kan de verlenging van de looptijd van de lening ook bijdragen.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492600712\"><strong class=\"schema-faq-question\">Is consolidatie altijd de moeite waard?<\/strong> <p class=\"schema-faq-answer\">Dat hoeft niet zo te zijn. Als oude leningen bijvoorbeeld hoge kosten voor vervroegde aflossing met zich meebrengen, zijn ze het niet waard.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492609378\"><strong class=\"schema-faq-question\">Kan ik extra geld krijgen met deze producten?<\/strong> <p class=\"schema-faq-answer\">Ja, zowel consolidatie als herfinanciering kunnen je helpen om extra financiering te krijgen. Je moet gewoon kredietwaardig genoeg zijn. Dit betekent dat je je kredietwaardigheid bewijst aan de nieuwe kredietverstrekker.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492618453\"><strong class=\"schema-faq-question\">Welke provider biedt consolidatie en herfinanciering aan?<\/strong> <p class=\"schema-faq-answer\">Deze leningproducten worden momenteel niet alleen aangeboden door bankinstellingen. Je kunt ook profiteren van de productaanbiedingen van niet-bancaire bedrijven met een vergunning van de CNB.<\/p> <\/div> <\/div>","protected":false},"excerpt":{"rendered":"<p>Herfinanciering is een concept dat nauw verwant is aan bijvoorbeeld Amerikaanse hypotheken, conventionele hypotheken, consumentenleningen en andere soorten leningen. Een concurrent voor dit financi\u00eble product is consolidatie van leningen. Ze hebben allebei \u00e9\u00e9n belangrijk doel. Het is echter essentieel om de verschillen tussen de twee opties te kennen. Ze hebben niet alleen elk een andere betekenis. Ze zijn gerelateerd ... <\/p>","protected":false},"author":2,"featured_media":1435,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[1758,1191,650,618,1756,1757,1760,1759,627,628],"class_list":["post-1434","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-konsolidace-pujcek","tag-nahrazeni","tag-pujcka","tag-pujcky","tag-refinancovani","tag-refinancovani-pujcky","tag-sjednoceni","tag-slouceni","tag-uver","tag-uvery"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek - REGBU.COM<\/title>\n<meta name=\"description\" content=\"V\u00edte, co si p\u0159edstavit pod pojmem refinancov\u00e1n\u00ed? A tu\u0161\u00edte v\u016fbec, jak se li\u0161\u00ed od konsolidace p\u016fj\u010dek? 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V\u0161e V\u00e1m prozrad\u00edme.","og_url":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/","og_site_name":"REGBU.COM","article_published_time":"2023-08-07T11:05:41+00:00","article_modified_time":"2025-09-05T05:40:13+00:00","og_image":[{"width":1200,"height":675,"url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","type":"image\/jpeg"}],"author":"George Martin","twitter_card":"summary_large_image","twitter_misc":{"Geschreven door":"George Martin","Geschatte leestijd":"2 minuten"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/#article","isPartOf":{"@id":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/"},"author":{"name":"George Martin","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e"},"headline":"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek","datePublished":"2023-08-07T11:05:41+00:00","dateModified":"2025-09-05T05:40:13+00:00","mainEntityOfPage":{"@id":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/"},"wordCount":473,"image":{"@id":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/#primaryimage"},"thumbnailUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","keywords":["konsolidace p\u016fj\u010dek","nahrazen\u00ed","p\u016fj\u010dka","p\u016fj\u010dky","refinancov\u00e1n\u00ed","refinancov\u00e1n\u00ed p\u016fj\u010dky","sjednocen\u00ed","slou\u010den\u00ed","\u00fav\u011br","\u00fav\u011bry"],"articleSection":["Finance"],"inLanguage":"nl-NL"},{"@type":["WebPage","FAQPage"],"@id":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/","url":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/","name":"Herfinanciering vs. consolidatie van leningen - REGBU.COM","isPartOf":{"@id":"https:\/\/regbu.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/#primaryimage"},"image":{"@id":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/#primaryimage"},"thumbnailUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","datePublished":"2023-08-07T11:05:41+00:00","dateModified":"2025-09-05T05:40:13+00:00","author":{"@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e"},"description":"Weet je wat je bedoelt met herfinanciering? En heb je enig idee hoe het verschilt van leningconsolidatie? Wij vertellen je alles.","breadcrumb":{"@id":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/#faq-question-1691492587714"},{"@id":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/#faq-question-1691492594135"},{"@id":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/#faq-question-1691492600712"},{"@id":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/#faq-question-1691492609378"},{"@id":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/#faq-question-1691492618453"}],"inLanguage":"nl-NL","potentialAction":[{"@type":"ReadAction","target":["https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/"]}]},{"@type":"ImageObject","inLanguage":"nl-NL","@id":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/#primaryimage","url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","contentUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","width":1200,"height":675,"caption":"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek"},{"@type":"BreadcrumbList","@id":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/regbu.com\/en\/"},{"@type":"ListItem","position":2,"name":"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek"}]},{"@type":"WebSite","@id":"https:\/\/regbu.com\/en\/#website","url":"https:\/\/regbu.com\/en\/","name":"REGBU.COM","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/regbu.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"nl-NL"},{"@type":"Person","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e","name":"George Martin","url":"https:\/\/regbu.com\/nl\/author\/george-martin\/"},{"@type":"Question","@id":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/#faq-question-1691492587714","position":1,"url":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/#faq-question-1691492587714","name":"Welke producten kunnen worden geconsolideerd?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Mohou to b\u00fdt nebankovn\u00ed p\u016fj\u010dky, spot\u0159ebitelsk\u00e9 \u00fav\u011bry, kontokorenty a kreditn\u00ed karty.","inLanguage":"nl-NL"},"inLanguage":"nl-NL"},{"@type":"Question","@id":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/#faq-question-1691492594135","position":2,"url":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/#faq-question-1691492594135","name":"Kan ik mijn maandelijkse betaling verlagen door te herfinancieren?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, v prvn\u00ed \u0159ad\u011b to bude d\u00edky v\u00fdhodn\u011bj\u0161\u00edmu \u00faroku. Pak k tomu m\u016f\u017ee p\u0159isp\u011bt i prodlou\u017een\u00ed splatnosti p\u016fj\u010dky.","inLanguage":"nl-NL"},"inLanguage":"nl-NL"},{"@type":"Question","@id":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/#faq-question-1691492600712","position":3,"url":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/#faq-question-1691492600712","name":"Is consolidatie altijd de moeite waard?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Nemus\u00ed tomu tak b\u00fdt. Pokud se nap\u0159\u00edklad star\u00e9 \u00fav\u011bry poj\u00ed s vysok\u00fdmi sank\u010dn\u00edmi poplatky za p\u0159ed\u010dasn\u00e9 uhrazen\u00ed, nevyplat\u00ed se.","inLanguage":"nl-NL"},"inLanguage":"nl-NL"},{"@type":"Question","@id":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/#faq-question-1691492609378","position":4,"url":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/#faq-question-1691492609378","name":"Kan ik extra geld krijgen met deze producten?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, jak s pomoc\u00ed konsolidace, tak refinancov\u00e1n\u00edm lze z\u00edskat finance nav\u00edc. Mus\u00edte b\u00fdt pouze dostate\u010dn\u011b bonitn\u00edm klientem. To znamen\u00e1, \u017ee nov\u00e9mu poskytovateli \u00fav\u011bru prok\u00e1\u017eete svoji \u00fav\u011bruschopnost.","inLanguage":"nl-NL"},"inLanguage":"nl-NL"},{"@type":"Question","@id":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/#faq-question-1691492618453","position":5,"url":"https:\/\/regbu.com\/nl\/herfinanciering-vs-consolidatie-leningen\/#faq-question-1691492618453","name":"Welke provider biedt consolidatie en herfinanciering aan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Tyto \u00fav\u011brov\u00e9 produkty v sou\u010dasn\u00e9 dob\u011b nab\u00edz\u00ed nejenom bankovn\u00ed instituce. Vyu\u017e\u00edt m\u016f\u017eete tak\u00e9 produktov\u00fdch nab\u00eddek nebankovn\u00edch spole\u010dnost\u00ed s licenc\u00ed od \u010cNB.","inLanguage":"nl-NL"},"inLanguage":"nl-NL"}]}},"_links":{"self":[{"href":"https:\/\/regbu.com\/nl\/wp-json\/wp\/v2\/posts\/1434","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regbu.com\/nl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/regbu.com\/nl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/regbu.com\/nl\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/regbu.com\/nl\/wp-json\/wp\/v2\/comments?post=1434"}],"version-history":[{"count":2,"href":"https:\/\/regbu.com\/nl\/wp-json\/wp\/v2\/posts\/1434\/revisions"}],"predecessor-version":[{"id":1446,"href":"https:\/\/regbu.com\/nl\/wp-json\/wp\/v2\/posts\/1434\/revisions\/1446"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regbu.com\/nl\/wp-json\/wp\/v2\/media\/1435"}],"wp:attachment":[{"href":"https:\/\/regbu.com\/nl\/wp-json\/wp\/v2\/media?parent=1434"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/regbu.com\/nl\/wp-json\/wp\/v2\/categories?post=1434"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/regbu.com\/nl\/wp-json\/wp\/v2\/tags?post=1434"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}