{"id":126006,"date":"2021-04-23T16:48:20","date_gmt":"2021-04-23T14:48:20","guid":{"rendered":"https:\/\/www.erasmusmagazine.nl\/en\/?p=126006"},"modified":"2025-12-19T11:25:35","modified_gmt":"2025-12-19T10:25:35","slug":"afm-register-student-debts","status":"publish","type":"post","link":"https:\/\/www.erasmusmagazine.nl\/en\/2021\/04\/23\/afm-register-student-debts\/","title":{"rendered":"AFM: &#8216;Register student debts&#8217;"},"content":{"rendered":"<p>When buying a house, former students sometimes conceal their student loans so they can obtain a higher mortgage. The Dutch Authority for the Financial Markets (AFM) told the cabinet to make that impossible. The minister immediately responded with a no.<\/p>\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"1200\" src=\"https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/2019\/03\/26152553\/hypotheek-Elzeline-Kooy-1600x1200.jpg?image-crop-positioner-ts=1766139168\" alt=\"\" class=\"wp-image-96667\" srcset=\"https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/2019\/03\/26152553\/hypotheek-Elzeline-Kooy-1600x1200.jpg?image-crop-positioner-ts=1766139168 1600w, https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/2019\/03\/26152553\/hypotheek-Elzeline-Kooy-300x225.jpg?image-crop-positioner-ts=1766139168 300w, https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/2019\/03\/26152553\/hypotheek-Elzeline-Kooy-875x656.jpg?image-crop-positioner-ts=1766139168 875w, https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/2019\/03\/26152553\/hypotheek-Elzeline-Kooy-1280x960.jpg?image-crop-positioner-ts=1766139168 1280w, https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/2019\/03\/26152553\/hypotheek-Elzeline-Kooy-150x113.jpg?image-crop-positioner-ts=1766139168 150w, https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/2019\/03\/26152553\/hypotheek-Elzeline-Kooy-225x169.jpg?image-crop-positioner-ts=1766139168 225w, https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/2019\/03\/26152553\/hypotheek-Elzeline-Kooy.jpg?image-crop-positioner-ts=1766139168 2000w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><figcaption class=\"wp-element-caption\"><p data-component=\"image-credits\" class=\"flex flex-wrap gap-2 items-center text-base\">\n\t<span aria-hidden=\"true\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M19.5 5.25H16.9012L15.6234 3.33375C15.555 3.23114 15.4623 3.147 15.3535 3.08879C15.2448 3.03057 15.1233 3.00007 15 3H9C8.87665 3.00007 8.75522 3.03057 8.64648 3.08879C8.53773 3.147 8.44502 3.23114 8.37656 3.33375L7.09781 5.25H4.5C3.90326 5.25 3.33097 5.48705 2.90901 5.90901C2.48705 6.33097 2.25 6.90326 2.25 7.5V18C2.25 18.5967 2.48705 19.169 2.90901 19.591C3.33097 20.0129 3.90326 20.25 4.5 20.25H19.5C20.0967 20.25 20.669 20.0129 21.091 19.591C21.5129 19.169 21.75 18.5967 21.75 18V7.5C21.75 6.90326 21.5129 6.33097 21.091 5.90901C20.669 5.48705 20.0967 5.25 19.5 5.25ZM15.375 12.375C15.375 13.0425 15.1771 13.695 14.8062 14.25C14.4354 14.8051 13.9083 15.2376 13.2916 15.4931C12.6749 15.7485 11.9963 15.8154 11.3416 15.6852C10.6869 15.5549 10.0855 15.2335 9.61351 14.7615C9.14151 14.2895 8.82007 13.6881 8.68985 13.0334C8.55962 12.3787 8.62646 11.7001 8.88191 11.0834C9.13735 10.4667 9.56993 9.93964 10.125 9.56879C10.68 9.19794 11.3325 9 12 9C12.8951 9 13.7535 9.35558 14.3865 9.98851C15.0194 10.6214 15.375 11.4799 15.375 12.375Z\" fill=\"currentColor\"\/>\n<\/svg>\n<\/span>\n\t<span class=\"sr-only\">Image by:<\/span>\n\n\t\t\t<span>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.erasmusmagazine.nl\/en\/persons\/elzeline-kooy\/\" class=\"underline hocus:no-underline decoration-1 underline-offset-2\">Elzeline Kooy<\/a>\t\t\t\t\t<\/span>\n\t<\/p>\n<\/figcaption><\/figure><p>Banks need to take debts into account when providing a mortgage. They can request information about standard loans for a car or telephone from the National Credit Register (BKR) but they can\u2019t do this with student loans.<\/p>\n<p>This means that former students can conceal their student loans when requesting a mortgage. Fifteen per cent of former student first-time buyers actually <a href=\"https:\/\/fd.nl\/economie-politiek\/1299986\/bij-hypotheekaanvraag-verzwijgt-15-van-starters-studieschuld-jvd1caAtsahW\">do<\/a> this. The solution is simple, <a href=\"https:\/\/www.afm.nl\/nl-nl\/professionals\/nieuws\/2021\/april\/wetgevingsbrief?utm_content=Bericht&amp;utm_source=Nieuwsalert&amp;utm_medium=email\">stated<\/a> the supervisory authority: register those loans, for example at the BKR.<\/p>\n<p>Outgoing minister, Van Engelshoven isn\u2019t keen on the idea, she <a href=\"https:\/\/twitter.com\/ivanengelshoven\/status\/1385116701738610688?s=20\">tweeted<\/a>. \u201cI\u2019ll repeat it one more time: for the cabinet it\u2019s important that borrowing remains accessible for students so everyone can keep studying. A BKR registration of student loans could act as a deterrent, so we won\u2019t be doing that.\u201d<\/p>\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n\n<div data-component=\"oembed\" class=\"relative max-w-5xl\" data-module=\"oembed\" data-source=\"consent_embed_twitter\" data-type=\"twitter\" data-cookiebot=\"\" data-disable-notice=\"\">\n\t\t<a\n\t\thref=\"#embed-skip-69eb2653e41f0\"\n\t\tdata-component=\"skip-link\"\n\t\tclass=\"text-lg underline sr-only focus:not-sr-only focus:absolute focus:p-4 focus:z-50 bg-white hover:no-underline border-neutral-800 text-neutral-800\"\n\t>\n\t\tIngesloten inhoud van Twitter overslaan\n\t<\/a>\n\t<div data-oembed=\"content\">\n\t\t<div data-oembed=\"placeholder\" class=\"p-8 text-center bg-sand-300 theme-violet:bg-white theme-sand:bg-white theme-mocha:bg-white\">\n\t\t\t<p class=\"max-w-lg mx-auto mb-7\" id=\"embed-cookie-69eb2653e41ee\">U kunt deze ingesloten inhoud bekijken nadat u akkoord bent gegaan met cookies van Twitter.<\/p>\n\t\t\t<div class=\"flex flex-wrap justify-center gap-2 text-brown-600 theme-violet:text-purple\">\n\t\t\t\t\n\n\n\n<button\n\tdata-variant=\"outline\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-md font-soehne underline-offset-2 decoration-2 px-4 min-h-[3.75rem] border-2 border-current bg-transparent text-current font-bold hocus:underline js-consent-button\"\n\n\t\t\ttype=\"button\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\taria-describedby=\"embed-cookie-69eb2653e41ee\"\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t\t\t<span data-button-text class=\"\">\n\t\t\tI agree\n\n\t\t\t\t\t<\/span>\n\t\n\t<\/button>\n\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-md font-soehne underline-offset-2 decoration-2 px-4 min-h-[3.75rem] border-2 border-current bg-current text-current font-bold hocus:underline decoration-white\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;twitter.com&#x2F;ivanengelshoven&#x2F;status&#x2F;1385116701738610688&#x3F;s&#x3D;20\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t\t\t<span data-button-text class=\"text-white\">\n\t\t\tSee on Twitter\n\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\" flex items-center justify-center w-[1em] h-[1em] icon text-white \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"20\" height=\"17\" viewBox=\"0 0 20 17\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M18.25 7.5C18.8023 7.5 19.25 7.94772 19.25 8.5C19.25 9.05228 18.8023 9.5 18.25 9.5H1.75C1.19772 9.5 0.75 9.05228 0.75 8.5C0.75 7.94772 1.19772 7.5 1.75 7.5H18.25Z\" fill=\"currentColor\"\/>\n<path d=\"M10.793 1.04295C11.1835 0.65243 11.8165 0.65243 12.207 1.04295L18.957 7.79295C19.3476 8.18348 19.3476 8.81649 18.957 9.20702L12.207 15.957C11.8165 16.3475 11.1835 16.3475 10.793 15.957C10.4024 15.5665 10.4024 14.9335 10.793 14.543L16.8359 8.49999L10.793 2.45702C10.4024 2.06649 10.4024 1.43348 10.793 1.04295Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t<template>\n\t\t\t\t\t<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\"><p lang=\"nl\" dir=\"ltr\">Ik herhaal het nog maar een keer: het kabinet vindt het belangrijk dat lenen voor elke student toegankelijk blijft, zodat iedereen kan blijven studeren. Een BKR-registratie van de studieschuld kan een afschrikwekkende werking hebben, gaan we dus niet doen. <a href=\"https:\/\/t.co\/txt3hwmpza\">https:\/\/t.co\/txt3hwmpza<\/a><\/p>&mdash; Ingrid van Engelshoven (@ivanengelshoven) <a href=\"https:\/\/twitter.com\/ivanengelshoven\/status\/1385116701738610688?ref_src=twsrc%5Etfw\">April 22, 2021<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n\t\t\t<\/template>\n\t<div id=\"embed-skip-69eb2653e41f0\" tabindex=\"-1\" class=\"sr-only\">Ingesloten inhoud van Twitter overgeslagen.<\/div>\n<\/div>\n\n<\/div><\/figure><h2 class=\"wp-block-heading\">Protection<\/h2><p>Even though student loans carry less weight than other debts, they do reduce the amount you have spare for monthly payments. During mortgage applications, banks must protect house-buyers from taking on mortgages that are too high.<\/p>\n<p>But student organisation ISO <a href=\"https:\/\/www.dub.uu.nl\/nl\/nieuws\/geef-hypotheekverstrekkers-geen-inzage-studieschuld-zegt-iso\">was<\/a> and is adamantly against this. They want students to be able to lie when requesting a mortgage and call registration with the BKR \u2018a huge financial step backwards\u2019.<\/p>\n<p>\u201cNational Credit Register (BKR) registration of student loans will make it even more difficult for students to buy their first home\u201d, stated chair Dahran \u00c7oban. \u201cThe student loan system and the current housing market are in themselves already worrying enough for students. We shouldn\u2019t make students pay even more for the fact that they need to borrow to study.\u201d<\/p>\n<h2 class=\"wp-block-heading\">The past<\/h2><p>Making student loans accessible for mortgage providers via the National Credit Register (BKR) or via DUO is certainly not a new proposal. In the past, Nibud, Eigen Huis association and the association of banks also appealed for this.<\/p>\n<p>Students have not received a basic student grant since 2015, which has made studying thousands of euros more expensive. And student loans are shooting up. The loan conditions are, however, more favourable than before: the interest is low and you only need to start paying the loan off if your income allows this. The repayment term has also been extended from fifteen to thirty-five years.<\/p>\n<p>The parties that devised the student loan system (VVD, PvdA, D66 and GroenLinks) didn\u2019t want higher student loans to be made known to the BKR, as that would cause unnecessary anxiety about loans.<\/p>\n<h2 class=\"wp-block-heading\">Lead<\/h2><p>But the ChristenUnie party stated in 2016 that this gives liars a lead on the housing market, which is why the then opposition party wanted better registration. VVD, PvdA, D66 and PVV were <a href=\"https:\/\/www.tweedekamer.nl\/kamerstukken\/moties\/detail?id=2016Z02416&amp;did=2016D04965\">against<\/a> this, however, and together they had the majority.<\/p>\n<p>In 2019, Minister Ollongren from the Ministry of the Interior also <a href=\"https:\/\/www.utoday.nl\/news\/67124\/schuldverklaring-maakt-liegen-over-studielening-lastig\">wanted<\/a> to enable insight into student loans: this time via an app. But that faced even more resistance: apart from the SGP, the entire House of Representatives voted against it.<\/p>\n<p>The AFM is now having another go. The supervisory authority thinks that the Ministers of Finance and Education should devise a solution together. Households with too high mortgages are much less able to cope with setbacks, it stated in the letter to the cabinet.<\/p>\n\n\t<div data-name=\"acf\/persons\" class=\"mt-6 md:mt-8 lg:mt-10\" >\n\t\t\t\t\t<h2 class=\"sr-only\">De redactie<\/h2>\n\t\t\n\t\t<div class=\"space-y-6\">\n\n\t\t\t\n\t\t\t<ul class=\"grid grid-cols-1 md:grid-cols-2 gap-4 md:gap-8 md:items-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t<div data-component=\"teaser-person\" class=\"relative flex gap-4 items-center md:gap-8\">\n\n\t\t\t<span class=\"image:rounded-full image:size-20 image:aspect-square image:object-cover md:image:size-36 shrink-0\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"410\" height=\"410\" src=\"https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/hop_logo.jpg?image-crop-positioner-ts=1770042323\" class=\"attachment-large size-large\" alt=\"\" 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alt=\"\" srcset=\"https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/server-1235959_1920-1280x720.jpg?image-crop-positioner-ts=1777012514 1280w, https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/server-1235959_1920-500x282.jpg?image-crop-positioner-ts=1777012514 500w, https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/server-1235959_1920-832x468.jpg?image-crop-positioner-ts=1777012514 832w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/>\n\n\t\t\t\t\t<\/div>\n\t\n\t<div class=\"flex flex-col gap-2 md:gap-4 p-4 @md:p-8 @xl:p-8 \">\n\n\t\t\t\t<h3 class=\"text-md @sm:text-xl @md:text-2xl @xl:text-2xl\">\n\t\t\t<a href=\"https:\/\/www.erasmusmagazine.nl\/en\/2026\/04\/24\/aivd-blijft-waarschuwen-voor-diefstal-van-kennis\/\" class=\"absolute-link text-current underline-offset-2 decoration-2 hocus:underline @md:decoration-3 @xl:decoration-4 inline-block\">\n\t\t\t\tAIVD continues to warn about knowledge theft\n\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"flex flex-wrap gap-4 items-center\">\n\t\t\t<span class=\"sr-only\">Gepubliceerd op:<\/span>\n\t\t\t<time class=\"text-sm font-soehne text-neutral-900\" datetime=\"2026-04-24\">24 April 2026<\/time>\n\n\t\t\t\t\t\t\t\t\t\t\t\n\t<ul data-component=\"list-badges\" class=\"flex items-center gap-2 flex-wrap\" aria-label=\"Geplaatst in categorie\">\n\t\t\t\t\t<li>\n\t\t\t\t\t<div data-component=\"badge\" class=\"block-theme-violet:bg-purple font-soehne font-bold text-sm bg-brown-600 block-theme-violet:bg-purple text-white py-[2px] px-2\">\n\t\t\t\t\tIT\n\t\t\t<\/div>\n\t\t\t<\/li>\n\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t\t\t\t\n<div data-component=\"teaser-post-small\" class=\"block-theme-sand lg:hidden relative flex h-full bg-sand-300\n\tblock-theme-violet:bg-white block-theme-violet:text-purple block-theme-mocha:bg-sand-500 block-theme-mocha:text-brown\n\tblock-theme-sand:bg-sand-300 block-theme-sand:text-neutral-900\n\tblock-theme-violet:outline-purple-100 block-theme-violet:outline-1 block-theme-violet:outline-t-0\n\ttheme-mocha:bg-white! theme-violet:bg-white! theme-sand:bg-white!\n\tflex-row gap-4 @md:gap-8 p-4 @md:p-6\">\n\t\t\t<div class=\"image:w-full image:aspect-square image:object-cover shrink-0 size-17.5 @sm:size-21.25 @md:size-30 @lg:size-40\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"460\" src=\"https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/server-1235959_1920-460x460.jpg?image-crop-positioner-ts=1777012514\" class=\"attachment-square_lg size-square_lg\" alt=\"\" srcset=\"https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/server-1235959_1920-460x460.jpg?image-crop-positioner-ts=1777012514 460w, https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/server-1235959_1920-115x115.jpg?image-crop-positioner-ts=1777012514 115w, https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/server-1235959_1920-230x230.jpg?image-crop-positioner-ts=1777012514 230w\" sizes=\"auto, (max-width: 460px) 100vw, 460px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col gap-2 md:gap-4 \">\n\t\t\t\t<h3 class=\"text-md @lg:text-lg\">\n\t\t\t<a href=\"https:\/\/www.erasmusmagazine.nl\/en\/2026\/04\/24\/aivd-blijft-waarschuwen-voor-diefstal-van-kennis\/\" class=\"absolute-link text-current hocus:underline inline-block\">\n\t\t\t\tAIVD continues to warn about knowledge theft\n\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"flex flex-wrap gap-4 items-center\">\n\t\t\t<span class=\"sr-only\">Gepubliceerd op:<\/span>\n\t\t\t<time class=\"text-sm font-soehne text-neutral-900\" datetime=\"2026-04-24\">24 April 2026<\/time>\n\n\t\t\t\t\t\t\t\t\t\t\t\n\t<ul data-component=\"list-badges\" class=\"flex items-center gap-2 flex-wrap\" aria-label=\"Geplaatst in categorie\">\n\t\t\t\t\t<li>\n\t\t\t\t\t<div data-component=\"badge\" class=\"block-theme-violet:bg-purple font-soehne font-bold text-sm bg-brown-600 block-theme-violet:bg-purple text-white py-[2px] px-2\">\n\t\t\t\t\tIT\n\t\t\t<\/div>\n\t\t\t<\/li>\n\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t\t<\/li>\n\t\t\n\t\t\t\t\t\t\n\t\t\t\n\t\t\t<li class=\"@container\">\n\t\t\t\t\n<div data-component=\"teaser-post\" class=\"block-theme-sand hidden lg:flex h-full relative flex bg-sand-300\n\tblock-theme-violet:bg-white block-theme-violet:text-purple block-theme-mocha:bg-sand-500 block-theme-mocha:text-brown\n\tblock-theme-sand:bg-sand-300 block-theme-sand:text-neutral-900\n\tblock-theme-violet:outline-purple-100 block-theme-violet:outline-1 block-theme-violet:outline-t-0\n\tflex-col @xl:flex-row\">\n\t\t\t<div class=\"relative image:w-full image:aspect-video image:object-cover shrink-0 w-full @xl:w-1\/2\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"720\" src=\"https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/IMG_6002-1280x720.jpg?image-crop-positioner-ts=1776958636\" class=\"attachment-video_xl size-video_xl\" alt=\"\" srcset=\"https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/IMG_6002-1280x720.jpg?image-crop-positioner-ts=1776958636 1280w, https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/IMG_6002-500x282.jpg?image-crop-positioner-ts=1776958636 500w, https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/IMG_6002-832x468.jpg?image-crop-positioner-ts=1776958636 832w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/>\n\n\t\t\t\t\t<\/div>\n\t\n\t<div class=\"flex flex-col gap-2 md:gap-4 p-4 @md:p-8 @xl:p-8 \">\n\n\t\t\t\t<h3 class=\"text-md @sm:text-xl @md:text-2xl @xl:text-2xl\">\n\t\t\t<a href=\"https:\/\/www.erasmusmagazine.nl\/en\/2026\/04\/23\/gesprongen-waterleiding-zorgt-voor-nodige-problemen-op-de-campus\/\" class=\"absolute-link text-current underline-offset-2 decoration-2 hocus:underline @md:decoration-3 @xl:decoration-4 inline-block\">\n\t\t\t\tBurst water pipe causes considerable problems on campus\n\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"flex flex-wrap gap-4 items-center\">\n\t\t\t<span class=\"sr-only\">Gepubliceerd op:<\/span>\n\t\t\t<time class=\"text-sm font-soehne text-neutral-900\" datetime=\"2026-04-23\">23 April 2026<\/time>\n\n\t\t\t\t\t\t\t\t\t\t\t\n\t<ul data-component=\"list-badges\" class=\"flex items-center gap-2 flex-wrap\" aria-label=\"Geplaatst in categorie\">\n\t\t\t\t\t<li>\n\t\t\t\t\t<div data-component=\"badge\" class=\"block-theme-violet:bg-purple font-soehne font-bold text-sm bg-brown-600 block-theme-violet:bg-purple text-white py-[2px] px-2\">\n\t\t\t\t\tCampus\n\t\t\t<\/div>\n\t\t\t<\/li>\n\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t\t\t\t\n<div data-component=\"teaser-post-small\" class=\"block-theme-sand lg:hidden relative flex h-full bg-sand-300\n\tblock-theme-violet:bg-white block-theme-violet:text-purple block-theme-mocha:bg-sand-500 block-theme-mocha:text-brown\n\tblock-theme-sand:bg-sand-300 block-theme-sand:text-neutral-900\n\tblock-theme-violet:outline-purple-100 block-theme-violet:outline-1 block-theme-violet:outline-t-0\n\ttheme-mocha:bg-white! theme-violet:bg-white! theme-sand:bg-white!\n\tflex-row gap-4 @md:gap-8 p-4 @md:p-6\">\n\t\t\t<div class=\"image:w-full image:aspect-square image:object-cover shrink-0 size-17.5 @sm:size-21.25 @md:size-30 @lg:size-40\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"460\" src=\"https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/IMG_6002-460x460.jpg?image-crop-positioner-ts=1776958636\" class=\"attachment-square_lg size-square_lg\" alt=\"\" srcset=\"https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/IMG_6002-460x460.jpg?image-crop-positioner-ts=1776958636 460w, https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/IMG_6002-115x115.jpg?image-crop-positioner-ts=1776958636 115w, https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/IMG_6002-230x230.jpg?image-crop-positioner-ts=1776958636 230w\" sizes=\"auto, (max-width: 460px) 100vw, 460px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col gap-2 md:gap-4 \">\n\t\t\t\t<h3 class=\"text-md @lg:text-lg\">\n\t\t\t<a href=\"https:\/\/www.erasmusmagazine.nl\/en\/2026\/04\/23\/gesprongen-waterleiding-zorgt-voor-nodige-problemen-op-de-campus\/\" class=\"absolute-link text-current hocus:underline inline-block\">\n\t\t\t\tBurst water pipe causes considerable problems on campus\n\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"flex flex-wrap gap-4 items-center\">\n\t\t\t<span class=\"sr-only\">Gepubliceerd op:<\/span>\n\t\t\t<time class=\"text-sm font-soehne text-neutral-900\" datetime=\"2026-04-23\">23 April 2026<\/time>\n\n\t\t\t\t\t\t\t\t\t\t\t\n\t<ul data-component=\"list-badges\" class=\"flex items-center gap-2 flex-wrap\" aria-label=\"Geplaatst in categorie\">\n\t\t\t\t\t<li>\n\t\t\t\t\t<div data-component=\"badge\" class=\"block-theme-violet:bg-purple font-soehne font-bold text-sm bg-brown-600 block-theme-violet:bg-purple text-white py-[2px] px-2\">\n\t\t\t\t\tCampus\n\t\t\t<\/div>\n\t\t\t<\/li>\n\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t\t<\/li>\n\t\t\n\t\t\t\t\t\t\n\t\t\t\n\t\t\t<li class=\"@container\">\n\t\t\t\t\n<div data-component=\"teaser-post\" class=\"block-theme-mocha hidden lg:flex h-full relative flex bg-sand-300\n\tblock-theme-violet:bg-white block-theme-violet:text-purple block-theme-mocha:bg-sand-500 block-theme-mocha:text-brown\n\tblock-theme-sand:bg-sand-300 block-theme-sand:text-neutral-900\n\tblock-theme-violet:outline-purple-100 block-theme-violet:outline-1 block-theme-violet:outline-t-0\n\tflex-col @xl:flex-row\">\n\t\t\t<div class=\"relative image:w-full image:aspect-video image:object-cover shrink-0 w-full @xl:w-1\/2\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"720\" src=\"https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/20260422_report_bookrestoration_Poetspaleis_Thumbnail_LarisaWedel-1280x720.jpg?image-crop-positioner-ts=1776933770\" class=\"attachment-video_xl size-video_xl\" alt=\"\" srcset=\"https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/20260422_report_bookrestoration_Poetspaleis_Thumbnail_LarisaWedel-1280x720.jpg?image-crop-positioner-ts=1776933770 1280w, https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/20260422_report_bookrestoration_Poetspaleis_Thumbnail_LarisaWedel-500x282.jpg?image-crop-positioner-ts=1776933770 500w, https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/20260422_report_bookrestoration_Poetspaleis_Thumbnail_LarisaWedel-832x468.jpg?image-crop-positioner-ts=1776933770 832w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/>\n\n\t\t\t\t\t\t\t<span class=\"@xl:hidden absolute -bottom-9 @md:-bottom-12 right-0 bg-brown text-white aspect-square size-9 block-theme-violet:bg-purple grid place-content-center @md:size-12 svg:size-4 @md:svg:size-6 @xl:svg:size-6\" aria-hidden=\"true\">\n\t\t\t\t\t<svg width=\"18\" height=\"20\" viewBox=\"0 0 18 20\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M17.25 9.99998C17.2506 10.2546 17.1853 10.5051 17.0605 10.727C16.9356 10.949 16.7555 11.1348 16.5375 11.2665L3.03 19.5297C2.80227 19.6691 2.54144 19.7452 2.27445 19.7502C2.00746 19.7551 1.74399 19.6887 1.51125 19.5578C1.28073 19.4289 1.0887 19.2409 0.954904 19.0132C0.821111 18.7855 0.750385 18.5263 0.75 18.2622V1.73779C0.750385 1.47368 0.821111 1.21445 0.954904 0.986734C1.0887 0.759022 1.28073 0.571057 1.51125 0.442167C1.74399 0.311244 2.00746 0.244825 2.27445 0.249769C2.54144 0.254713 2.80227 0.330842 3.03 0.470292L16.5375 8.73342C16.7555 8.86511 16.9356 9.05097 17.0605 9.27291C17.1853 9.49485 17.2506 9.74533 17.25 9.99998Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\n\t<div class=\"flex flex-col gap-2 md:gap-4 p-4 @md:p-8 @xl:p-8 pr-11 @md:pr-12 @xl:pr-12\">\n\n\t\t\t\t<h3 class=\"text-md @sm:text-xl @md:text-2xl @xl:text-2xl\">\n\t\t\t<a href=\"https:\/\/www.erasmusmagazine.nl\/en\/2026\/04\/23\/oude-boeken-krijgen-een-nieuw-leven-een-kijkje-in-het-poetspaleis\/\" class=\"absolute-link text-current underline-offset-2 decoration-2 hocus:underline @md:decoration-3 @xl:decoration-4 inline-block\">\n\t\t\t\tOld books get a new lease of life: a look inside the poetspaleis\n\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"flex flex-wrap gap-4 items-center\">\n\t\t\t<span class=\"sr-only\">Gepubliceerd op:<\/span>\n\t\t\t<time class=\"text-sm font-soehne text-neutral-900\" datetime=\"2026-04-23\">23 April 2026<\/time>\n\n\t\t\t\t\t\t\t\t\t\t\t\n\t<ul data-component=\"list-badges\" class=\"flex items-center gap-2 flex-wrap\" aria-label=\"Geplaatst in categorie\">\n\t\t\t\t\t<li>\n\t\t\t\t\t<div data-component=\"badge\" class=\"block-theme-violet:bg-purple font-soehne font-bold text-sm bg-brown-600 block-theme-violet:bg-purple text-white py-[2px] px-2\">\n\t\t\t\t\tEM TV\n\t\t\t<\/div>\n\t\t\t<\/li>\n\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t<span class=\"sr-only\">Article type: Video<\/span>\n\t\t\t<span class=\"hidden @xl:grid absolute top-0 right-0 bg-brown text-white aspect-square block-theme-violet:bg-purple place-content-center size-12 svg:size-6\" aria-hidden=\"true\">\n\t\t\t\t<svg width=\"18\" height=\"20\" viewBox=\"0 0 18 20\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M17.25 9.99998C17.2506 10.2546 17.1853 10.5051 17.0605 10.727C16.9356 10.949 16.7555 11.1348 16.5375 11.2665L3.03 19.5297C2.80227 19.6691 2.54144 19.7452 2.27445 19.7502C2.00746 19.7551 1.74399 19.6887 1.51125 19.5578C1.28073 19.4289 1.0887 19.2409 0.954904 19.0132C0.821111 18.7855 0.750385 18.5263 0.75 18.2622V1.73779C0.750385 1.47368 0.821111 1.21445 0.954904 0.986734C1.0887 0.759022 1.28073 0.571057 1.51125 0.442167C1.74399 0.311244 2.00746 0.244825 2.27445 0.249769C2.54144 0.254713 2.80227 0.330842 3.03 0.470292L16.5375 8.73342C16.7555 8.86511 16.9356 9.05097 17.0605 9.27291C17.1853 9.49485 17.2506 9.74533 17.25 9.99998Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t\t<\/span>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t\t\t\t\n<div data-component=\"teaser-post-small\" class=\"block-theme-mocha lg:hidden relative flex h-full bg-sand-300\n\tblock-theme-violet:bg-white block-theme-violet:text-purple block-theme-mocha:bg-sand-500 block-theme-mocha:text-brown\n\tblock-theme-sand:bg-sand-300 block-theme-sand:text-neutral-900\n\tblock-theme-violet:outline-purple-100 block-theme-violet:outline-1 block-theme-violet:outline-t-0\n\ttheme-mocha:bg-white! theme-violet:bg-white! theme-sand:bg-white!\n\tflex-row gap-4 @md:gap-8 p-4 @md:p-6\">\n\t\t\t<div class=\"image:w-full image:aspect-square image:object-cover shrink-0 size-17.5 @sm:size-21.25 @md:size-30 @lg:size-40\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"460\" src=\"https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/20260422_report_bookrestoration_Poetspaleis_Thumbnail_LarisaWedel-460x460.jpg?image-crop-positioner-ts=1776933770\" class=\"attachment-square_lg size-square_lg\" alt=\"\" srcset=\"https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/20260422_report_bookrestoration_Poetspaleis_Thumbnail_LarisaWedel-460x460.jpg?image-crop-positioner-ts=1776933770 460w, https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/20260422_report_bookrestoration_Poetspaleis_Thumbnail_LarisaWedel-115x115.jpg?image-crop-positioner-ts=1776933770 115w, https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/20260422_report_bookrestoration_Poetspaleis_Thumbnail_LarisaWedel-230x230.jpg?image-crop-positioner-ts=1776933770 230w\" sizes=\"auto, (max-width: 460px) 100vw, 460px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col gap-2 md:gap-4 pr-11 @md:pr-12 @lg:pr-12\">\n\t\t\t\t<h3 class=\"text-md @lg:text-lg\">\n\t\t\t<a href=\"https:\/\/www.erasmusmagazine.nl\/en\/2026\/04\/23\/oude-boeken-krijgen-een-nieuw-leven-een-kijkje-in-het-poetspaleis\/\" class=\"absolute-link text-current hocus:underline inline-block\">\n\t\t\t\tOld books get a new lease of life: a look inside the poetspaleis\n\t\t\t<\/a>\n\t\t<\/h3>\n\n\t\t<div class=\"flex flex-wrap gap-4 items-center\">\n\t\t\t<span class=\"sr-only\">Gepubliceerd op:<\/span>\n\t\t\t<time class=\"text-sm font-soehne text-neutral-900\" datetime=\"2026-04-23\">23 April 2026<\/time>\n\n\t\t\t\t\t\t\t\t\t\t\t\n\t<ul data-component=\"list-badges\" class=\"flex items-center gap-2 flex-wrap\" aria-label=\"Geplaatst in categorie\">\n\t\t\t\t\t<li>\n\t\t\t\t\t<div data-component=\"badge\" class=\"block-theme-violet:bg-purple font-soehne font-bold text-sm bg-brown-600 block-theme-violet:bg-purple text-white py-[2px] px-2\">\n\t\t\t\t\tEM TV\n\t\t\t<\/div>\n\t\t\t<\/li>\n\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t<span class=\"sr-only\">Article type: Video<\/span>\n\t\t\t<span class=\"absolute top-0 right-0 bg-brown text-white aspect-square size-9 block-theme-violet:bg-purple grid place-content-center @md:size-12 @lg:size-12 svg:size-4 @md:svg:size-6 @lg:svg:size-6\" aria-hidden=\"true\">\n\t\t\t\t<svg width=\"18\" height=\"20\" viewBox=\"0 0 18 20\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M17.25 9.99998C17.2506 10.2546 17.1853 10.5051 17.0605 10.727C16.9356 10.949 16.7555 11.1348 16.5375 11.2665L3.03 19.5297C2.80227 19.6691 2.54144 19.7452 2.27445 19.7502C2.00746 19.7551 1.74399 19.6887 1.51125 19.5578C1.28073 19.4289 1.0887 19.2409 0.954904 19.0132C0.821111 18.7855 0.750385 18.5263 0.75 18.2622V1.73779C0.750385 1.47368 0.821111 1.21445 0.954904 0.986734C1.0887 0.759022 1.28073 0.571057 1.51125 0.442167C1.74399 0.311244 2.00746 0.244825 2.27445 0.249769C2.54144 0.254713 2.80227 0.330842 3.03 0.470292L16.5375 8.73342C16.7555 8.86511 16.9356 9.05097 17.0605 9.27291C17.1853 9.49485 17.2506 9.74533 17.25 9.99998Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t\t<\/span>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t\t<\/li>\n\t\t\t<\/ul>\n\n\t\t\t\t\t\t\t\t\t<div class=\"text-right text-brown-600\">\n\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"outline\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-md font-soehne underline-offset-2 decoration-2 px-4 min-h-[3.75rem] border-2 border-current bg-transparent text-current font-bold hocus:underline w-full lg:w-auto\"\n\n\t\n\t\t\thref=\"\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t\t\t<span data-button-text class=\"\">\n\t\t\tAll articles\n\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\" flex items-center justify-center w-[1em] h-[1em] icon  \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"20\" height=\"17\" viewBox=\"0 0 20 17\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M18.25 7.5C18.8023 7.5 19.25 7.94772 19.25 8.5C19.25 9.05228 18.8023 9.5 18.25 9.5H1.75C1.19772 9.5 0.75 9.05228 0.75 8.5C0.75 7.94772 1.19772 7.5 1.75 7.5H18.25Z\" fill=\"currentColor\"\/>\n<path d=\"M10.793 1.04295C11.1835 0.65243 11.8165 0.65243 12.207 1.04295L18.957 7.79295C19.3476 8.18348 19.3476 8.81649 18.957 9.20702L12.207 15.957C11.8165 16.3475 11.1835 16.3475 10.793 15.957C10.4024 15.5665 10.4024 14.9335 10.793 14.543L16.8359 8.49999L10.793 2.45702C10.4024 2.06649 10.4024 1.43348 10.793 1.04295Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n","protected":false},"excerpt":{"rendered":"<p>When buying a house, former students sometimes conceal their student loans so they can obtain a higher mortgage. The Dutch Authority for the Financial Markets (AFM) told the cabinet to make that impossible. The minister immediately responded with a no. Banks need to take debts into account when providing a mortgage. They can request information [&hellip;]<\/p>\n","protected":false},"author":36,"featured_media":96667,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_trash_the_other_posts":false,"editor_notices":[],"footnotes":""},"categories":[8],"em_content_type":[24778],"class_list":["post-126006","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-studentlife","em_content_type-nieuws"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>AFM: &#039;Register student debts&#039;<\/title>\n<meta name=\"description\" content=\"When buying a house, former students sometimes conceal their student loans so they can obtain a higher mortgage. The Dutch Authority for the Financial Markets (AFM) told the cabinet to make that impossible. 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