Everything on BKR registration with a phone plan
No BKR registration at Coolblue
At Coolblue, you buy a separate device without a phone plan. You pay your device in one go, so you won't get a BKR registration if you order your smartphone at Coolblue. This has the following advantages:
- You won't have any restrictions when you want to take out a loan or mortgage.
- You'll own the smartphone right away.
- You won't have long-term monthly costs to pay off your smartphone.
- You won't be stuck to a long-term contract with 1 provider.
What's a BKR registration?
BKR stands for 'Stichting Bureau Krediet Registratie'. Do you want to borrow money for a new car, refurbishment, or mortgage? You'll automatically be registered with the BKR. The registration is designed to prevent you from taking out a loan that you can't afford. As of 1 May 2017, the BKR registration also applies to phone plans that require you to pay more than € 250 for the device. This doesn't include phone call, text, and internet costs.
What are the consequences of a BKR registration?
Having a positive BKR registration affects 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. If you have a positive registration, the maximum loan amount decreases. Do you have a negative BKR registration? In that case, it's not possible to take out a new loan.
Positive vs negative BKR registration
When you get a phone plan, you get a positive BKR registration. You also get a positive registration if you have a credit card or are in the red. If you don't pay the loan on time and according to the agreed installments, you could get a negative BKR registration. Before this happens, you'll first receive reminders or other warnings. Do you pay the costs for your device every month? Your registration will stay positive.
What should you do if you don't want BKR registration?
Do you prefer not to be registered with the BKR because of your phone plan? Get a subscription and pay the costs of the device right away. With some providers, you can pay the device costs that exceed € 250, and pay the remaining amount in installments. You should ask your provider if that's possible first. To prevent a BKR registration of your phone altogether, you can get a SIM only phone plan and buy your smartphone separately. Coolblue only sells separate devices, so you don't have to worry about a BKR registration.
Conclusion
Do you get a BKR registration with a telephone subscription? If you don't have to pay more than € 250 for your smartphone with your subscription, the answer is no. Does your device cost more than that? You'll be registered, which has consequences for the maximum amount of your mortgage.
