Do you get a BKR registration with your phone plan?
What is a BKR registration?
BKR stands for Stichting Bureau Krediet Registratie. Do you want to borrow money for a new car, refurbishment or mortgage? Then you will automatically be registered with the BKR. The registration is designed to prevent you from taking out a loan that you can not actually pay. As of 1 May 2017 the BKR registration also applies to the conclusion of a telephone subscription where you have to pay more than € 250 for the device. Bel, SMS and internet costs are not included here.
What are the consequences of a BKR registration?
Having a positive BKR registration influences the amount of a future loan, for example for a mortgage. With a mortgage application, the mortgage provider checks whether you have a BKR registration. With a positive registration your maximum height will be lowered. Do you have a negative BKR registration? Then it is not possible to take out a new loan.
Positive vs negative BKR registration
When you take out a telephone subscription, you get a positive BKR registration. For comparison: you also get a positive registration if you have a credit card or are in the red. If you do not pay the loan on time according to the agreed installments, it is possible that you will receive a negative BKR registration. Before this happens, you will first receive reminders, reminders or other warnings. Do you pay the costs for your device every month? Then your registration will remain positive.
What should I do if I do not want BKR registration?
Would you prefer not to be registered with the BKR by your mobile phone subscription? Then you can take out a subscription and pay the costs for the device. With some providers it is possible to pay device costs that exceed € 250, - and pay the remaining amount in installments. First ask your provider if this is possible. To completely exclude the BKR registration from your phone, you can take out a SIM-only subscription and buy your smartphone separately. Coolblue only sells individual devices. You don't have to worry about a BKR registration.
Do you get a BKR registration with a telephone subscription? If you do not have to pay more than € 250 for your smartphone when you take out a subscription, the answer is no. Are your device costs more than this amount? Then you will get a registration which has consequences for the maximum height of your mortgage.