Maximale hypotheek zzp berekenen

Formulas:

• h_gem = (winst1 + winst2 + winst3) / 3
  
• toets_zzp = round(if(jaren_onderneming == 'korter', 0, if(winst3 < h_gem, winst3, h_gem)), 0)
  Het gemiddelde van de laatste drie jaar. Is het laatste jaar lager, dan rekenen banken vaak met dat lagere bedrag.
• h_ink = toets_zzp + partner
  
• h_tr = if(rentevast == 'rv10', rente, if(rente > 5, rente, 5))
  
• h_k = if(h_ink >= 125000, 125, if(h_ink < 30000, 30, ceil(h_ink / 1000 - 0.9999)))
  
• h_c1 = round(if(h_k<=31,15.5+(h_k-30)*0.7,if(h_k<=32,16.2+(h_k-31)*0.5,if(h_k<=33,16.7+(h_k-32)*0.4,if(h_k<=34,17.1+(h_k-33)*0.2,if(h_k<=35,17.3+(h_k-34)*0.1,if(h_k<=56,17.4,if(h_k<=58,17.4+(h_k-56)*0.1,if(h_k<=63,17.6+(h_k-58)*0.04,if(h_k<=68,17.8+(h_k-63)*0.1,if(h_k<=74,18.3+(h_k-68)*0.166667,if(h_k<=82,19.3+(h_k-74)*0.1,if(h_k<=85,20.1+(h_k-82)*0.033333,if(h_k<=86,20.2,if(h_k<=89,20.2+(h_k-86)*0.1,if(h_k<=91,20.5,if(h_k<=94,20.5+(h_k-91)*0.1,if(h_k<=95,20.8,if(h_k<=97,20.8+(h_k-95)*0.1,if(h_k<=111,21+(h_k-97)*0.042857,if(h_k<=114,21.6+(h_k-111)*0.066667,if(h_k<=116,21.8,if(h_k<=119,21.8+(h_k-116)*0.066667,if(h_k<=121,22,if(h_k<=124,22+(h_k-121)*0.066667,22.2)))))))))))))))))))))))),1)
  
• h_c2 = round(if(h_k<=31,16.5+(h_k-30)*0.8,if(h_k<=32,17.3+(h_k-31)*0.6,if(h_k<=33,17.9+(h_k-32)*0.4,if(h_k<=34,18.3+(h_k-33)*0.2,if(h_k<=57,18.5,if(h_k<=62,18.5+(h_k-57)*0.06,if(h_k<=65,18.8+(h_k-62)*0.066667,if(h_k<=67,19+(h_k-65)*0.1,if(h_k<=73,19.2+(h_k-67)*0.166667,if(h_k<=74,20.2+(h_k-73)*0.2,if(h_k<=76,20.4+(h_k-74)*0.1,if(h_k<=77,20.6+(h_k-76)*0.2,if(h_k<=84,20.8+(h_k-77)*0.071429,if(h_k<=93,21.3+(h_k-84)*0.044444,if(h_k<=98,21.7+(h_k-93)*0.08,if(h_k<=101,22.1+(h_k-98)*0.033333,if(h_k<=103,22.2+(h_k-101)*0.1,if(h_k<=109,22.4+(h_k-103)*0.033333,if(h_k<=114,22.6+(h_k-109)*0.06,if(h_k<=116,22.9,if(h_k<=121,22.9+(h_k-116)*0.06,if(h_k<=123,23.2,if(h_k<=124,23.2+(h_k-123)*0.1,23.3))))))))))))))))))))))),1)
  
• h_c3 = round(if(h_k<=31,17.5+(h_k-30)*0.8,if(h_k<=32,18.3+(h_k-31)*0.7,if(h_k<=33,19+(h_k-32)*0.5,if(h_k<=34,19.5+(h_k-33)*0.1,if(h_k<=59,19.6,if(h_k<=65,19.6+(h_k-59)*0.066667,if(h_k<=67,20+(h_k-65)*0.1,if(h_k<=70,20.2+(h_k-67)*0.166667,if(h_k<=74,20.7+(h_k-70)*0.2,if(h_k<=79,21.5+(h_k-74)*0.12,if(h_k<=86,22.1+(h_k-79)*0.057143,if(h_k<=88,22.5,if(h_k<=95,22.5+(h_k-88)*0.057143,if(h_k<=104,22.9+(h_k-95)*0.066667,if(h_k<=105,23.5,if(h_k<=107,23.5+(h_k-105)*0.1,if(h_k<=110,23.7,if(h_k<=117,23.7+(h_k-110)*0.057143,if(h_k<=119,24.1,if(h_k<=124,24.1+(h_k-119)*0.06,24.4)))))))))))))))))))),1)
  
• h_c4 = round(if(h_k<=31,18.4+(h_k-30)*0.9,if(h_k<=32,19.3+(h_k-31)*0.8,if(h_k<=33,20.1+(h_k-32)*0.5,if(h_k<=59,20.6,if(h_k<=60,20.6+(h_k-59)*0.1,if(h_k<=62,20.7,if(h_k<=63,20.7+(h_k-62)*0.2,if(h_k<=66,20.9+(h_k-63)*0.066667,if(h_k<=69,21.1+(h_k-66)*0.133333,if(h_k<=74,21.5+(h_k-69)*0.2,if(h_k<=79,22.5+(h_k-74)*0.14,if(h_k<=80,23.2,if(h_k<=82,23.2+(h_k-80)*0.1,if(h_k<=84,23.4,if(h_k<=89,23.4+(h_k-84)*0.06,if(h_k<=91,23.7,if(h_k<=98,23.7+(h_k-91)*0.057143,if(h_k<=109,24.1+(h_k-98)*0.063636,if(h_k<=111,24.8,if(h_k<=114,24.8+(h_k-111)*0.066667,if(h_k<=116,25,25+(h_k-116)*0.055556))))))))))))))))))))),1)
  
• h_c5 = round(if(h_k<=32,19.3+(h_k-30)*0.9,if(h_k<=33,21.1+(h_k-32)*0.5,if(h_k<=60,21.6,if(h_k<=63,21.6+(h_k-60)*0.066667,if(h_k<=68,21.8+(h_k-63)*0.1,if(h_k<=75,22.3+(h_k-68)*0.2,if(h_k<=78,23.7+(h_k-75)*0.133333,if(h_k<=80,24.1+(h_k-78)*0.1,if(h_k<=87,24.3+(h_k-80)*0.042857,if(h_k<=92,24.6+(h_k-87)*0.04,if(h_k<=93,24.8,if(h_k<=95,24.8+(h_k-93)*0.1,if(h_k<=97,25,if(h_k<=106,25+(h_k-97)*0.066667,if(h_k<=107,25.6,if(h_k<=109,25.6+(h_k-107)*0.1,if(h_k<=116,25.8+(h_k-109)*0.028571,26+(h_k-116)*0.055556))))))))))))))))),1)
  
• h_c6 = round(if(h_k<=31,20.1+(h_k-30)*1.1,if(h_k<=32,21.2+(h_k-31)*0.9,if(h_k<=33,22.1+(h_k-32)*0.5,if(h_k<=61,22.6,if(h_k<=64,22.6+(h_k-61)*0.066667,if(h_k<=68,22.8+(h_k-64)*0.1,if(h_k<=71,23.2+(h_k-68)*0.2,if(h_k<=72,23.8+(h_k-71)*0.3,if(h_k<=74,24.1+(h_k-72)*0.2,if(h_k<=79,24.5+(h_k-74)*0.14,if(h_k<=81,25.2+(h_k-79)*0.1,if(h_k<=83,25.4,if(h_k<=86,25.4+(h_k-83)*0.066667,if(h_k<=88,25.6,if(h_k<=91,25.6+(h_k-88)*0.066667,if(h_k<=93,25.8,if(h_k<=98,25.8+(h_k-93)*0.06,if(h_k<=100,26.1,if(h_k<=105,26.1+(h_k-100)*0.08,if(h_k<=106,26.5,if(h_k<=108,26.5+(h_k-106)*0.1,if(h_k<=110,26.7,if(h_k<=113,26.7+(h_k-110)*0.066667,if(h_k<=115,26.9,if(h_k<=124,26.9+(h_k-115)*0.055556,27.4))))))))))))))))))))))))),1)
  
• h_c7 = round(if(h_k<=31,20.9+(h_k-30)*1.1,if(h_k<=32,22+(h_k-31)*1,if(h_k<=33,23+(h_k-32)*0.6,if(h_k<=62,23.6,if(h_k<=65,23.6+(h_k-62)*0.066667,if(h_k<=68,23.8+(h_k-65)*0.1,if(h_k<=75,24.1+(h_k-68)*0.214286,if(h_k<=76,25.6+(h_k-75)*0.1,if(h_k<=78,25.7+(h_k-76)*0.2,if(h_k<=81,26.1+(h_k-78)*0.1,if(h_k<=86,26.4+(h_k-81)*0.02,if(h_k<=87,26.5+(h_k-86)*0.1,if(h_k<=89,26.6,if(h_k<=94,26.6+(h_k-89)*0.06,if(h_k<=96,26.9,if(h_k<=99,26.9+(h_k-96)*0.066667,if(h_k<=102,27.1,if(h_k<=107,27.1+(h_k-102)*0.08,if(h_k<=108,27.5,if(h_k<=110,27.5+(h_k-108)*0.1,if(h_k<=112,27.7,if(h_k<=117,27.7+(h_k-112)*0.06,if(h_k<=119,28,if(h_k<=124,28+(h_k-119)*0.06,28.3)))))))))))))))))))))))),1)
  
• h_c8 = round(if(h_k<=32,21.6+(h_k-30)*1.1,if(h_k<=33,23.8+(h_k-32)*0.8,if(h_k<=64,24.6,if(h_k<=67,24.6+(h_k-64)*0.066667,if(h_k<=70,24.8+(h_k-67)*0.166667,if(h_k<=71,25.3+(h_k-70)*0.3,if(h_k<=73,25.6+(h_k-71)*0.2,if(h_k<=74,26+(h_k-73)*0.3,if(h_k<=75,26.3+(h_k-74)*0.1,if(h_k<=78,26.4+(h_k-75)*0.2,if(h_k<=81,27+(h_k-78)*0.1,if(h_k<=88,27.3+(h_k-81)*0.028571,if(h_k<=89,27.5+(h_k-88)*0.1,if(h_k<=91,27.6,if(h_k<=96,27.6+(h_k-91)*0.06,if(h_k<=101,27.9+(h_k-96)*0.02,if(h_k<=102,28+(h_k-101)*0.1,if(h_k<=104,28.1,if(h_k<=110,28.1+(h_k-104)*0.066667,if(h_k<=111,28.5,if(h_k<=113,28.5+(h_k-111)*0.1,if(h_k<=115,28.7,if(h_k<=118,28.7+(h_k-115)*0.066667,if(h_k<=120,28.9,28.9+(h_k-120)*0.06)))))))))))))))))))))))),1)
  
• h_c9 = round(if(h_k<=32,22.2+(h_k-30)*1.2,if(h_k<=33,24.6+(h_k-32)*0.8,if(h_k<=34,25.4+(h_k-33)*0.1,if(h_k<=65,25.5,if(h_k<=68,25.5+(h_k-65)*0.1,if(h_k<=72,25.8+(h_k-68)*0.2,if(h_k<=73,26.6+(h_k-72)*0.3,if(h_k<=76,26.9+(h_k-73)*0.2,if(h_k<=79,27.5+(h_k-76)*0.133333,if(h_k<=80,27.9+(h_k-79)*0.2,if(h_k<=87,28.1+(h_k-80)*0.042857,if(h_k<=89,28.4,if(h_k<=92,28.4+(h_k-89)*0.066667,if(h_k<=94,28.6,if(h_k<=97,28.6+(h_k-94)*0.066667,if(h_k<=102,28.8+(h_k-97)*0.02,if(h_k<=105,28.9+(h_k-102)*0.066667,if(h_k<=107,29.1,if(h_k<=122,29.1+(h_k-107)*0.053333,if(h_k<=124,29.9,29.9+(h_k-124)*0.1)))))))))))))))))))),1)
  
• h_c10 = round(if(h_k<=31,22.7+(h_k-30)*1.4,if(h_k<=32,24.1+(h_k-31)*1.2,if(h_k<=33,25.3+(h_k-32)*0.8,if(h_k<=34,26.1+(h_k-33)*0.3,if(h_k<=66,26.4,if(h_k<=69,26.4+(h_k-66)*0.133333,if(h_k<=73,26.8+(h_k-69)*0.2,if(h_k<=74,27.6+(h_k-73)*0.3,if(h_k<=80,27.9+(h_k-74)*0.166667,if(h_k<=85,28.9+(h_k-80)*0.06,if(h_k<=90,29.2+(h_k-85)*0.02,if(h_k<=103,29.3+(h_k-90)*0.038462,if(h_k<=108,29.8+(h_k-103)*0.04,if(h_k<=110,30,if(h_k<=123,30+(h_k-110)*0.053846,if(h_k<=124,30.7+(h_k-123)*0.1,30.8)))))))))))))))),1)
  
• h_c11 = round(if(h_k<=31,23.2+(h_k-30)*1.4,if(h_k<=32,24.6+(h_k-31)*1.3,if(h_k<=33,25.9+(h_k-32)*0.9,if(h_k<=34,26.8+(h_k-33)*0.5,if(h_k<=67,27.3,if(h_k<=68,27.3+(h_k-67)*0.1,if(h_k<=78,27.4+(h_k-68)*0.2,if(h_k<=83,29.4+(h_k-78)*0.1,if(h_k<=85,29.9,if(h_k<=88,29.9+(h_k-85)*0.066667,if(h_k<=93,30.1+(h_k-88)*0.02,if(h_k<=98,30.2+(h_k-93)*0.04,if(h_k<=107,30.4+(h_k-98)*0.033333,if(h_k<=108,30.7+(h_k-107)*0.1,if(h_k<=111,30.8,if(h_k<=112,30.8+(h_k-111)*0.1,if(h_k<=114,30.9,if(h_k<=124,30.9+(h_k-114)*0.06,31.5)))))))))))))))))),1)
  
• h_c12 = round(if(h_k<=31,23.7+(h_k-30)*1.4,if(h_k<=32,25.1+(h_k-31)*1.3,if(h_k<=33,26.4+(h_k-32)*1,if(h_k<=34,27.4+(h_k-33)*0.7,if(h_k<=67,28.1,if(h_k<=69,28.1+(h_k-67)*0.1,if(h_k<=72,28.3+(h_k-69)*0.2,if(h_k<=73,28.9+(h_k-72)*0.3,if(h_k<=74,29.2+(h_k-73)*0.1,if(h_k<=78,29.3+(h_k-74)*0.2,if(h_k<=83,30.1+(h_k-78)*0.1,if(h_k<=93,30.6+(h_k-83)*0.04,if(h_k<=96,31,if(h_k<=99,31+(h_k-96)*0.066667,if(h_k<=104,31.2+(h_k-99)*0.02,if(h_k<=107,31.3+(h_k-104)*0.066667,if(h_k<=110,31.5,if(h_k<=113,31.5+(h_k-110)*0.066667,if(h_k<=116,31.7,31.7+(h_k-116)*0.055556))))))))))))))))))),1)
  
• h_flp = if(h_tr <= 1.5005, h_c1, if(h_tr <= 2.0005, h_c2, if(h_tr <= 2.5005, h_c3, if(h_tr <= 3.0005, h_c4, if(h_tr <= 3.5005, h_c5, if(h_tr <= 4.0005, h_c6, if(h_tr <= 4.5005, h_c7, if(h_tr <= 5.0005, h_c8, if(h_tr <= 5.5005, h_c9, if(h_tr <= 6.0005, h_c10, if(h_tr <= 6.5005, h_c11, h_c12)))))))))))
  
• h_z_ruimte = h_flp / 100 * h_ink / 12 - lasten
  
• h_z_r = h_tr / 1200
  
• h_z_g = exp(360 * ln(1 + h_z_r))
  
• h_z_hyp = if(h_z_ruimte <= 0, 0, if(h_z_r > 0, h_z_ruimte * (h_z_g - 1) / (h_z_r * h_z_g), h_z_ruimte * 360))
  
• maxhyp = round(h_z_hyp, 0)
  Volgens de financieringslastnormen van 2026, annuïtair over 30 jaar.
• h_alt = h_gem + partner
  
• trend = if(winst1 > 0, round((winst3 / winst1 - 1) * 100, 1), 0)
  Stijging of daling van jaar 1 naar jaar 3.
• oordeel = if(jaren_onderneming == 'korter', 'Je onderneemt korter dan drie jaar. Met een inkomensverklaring van een erkende rekenexpert kun je vaak toch een hypotheek krijgen. Deze tool rekent dan niet met je winst.', if(h_ink <= 0, 'Vul je winst van de laatste drie jaar in.', concat('Je toetsinkomen uit onderneming is ', concat('€ ', format(round(toets_zzp,0), '0.#')), if(winst3 < h_gem, ' (je laatste jaar, want dat is lager dan het gemiddelde)', ' (gemiddelde van drie jaar)'), if(partner > 0, concat(', samen met je partner ', concat('€ ', format(round(h_ink,0), '0.#'))), ''), '. Je kunt maximaal ongeveer ', concat('€ ', format(round(maxhyp,0), '0.#')), ' lenen.')))
  
• volgende = 'Vraag een inkomensverklaring aan bij een erkende rekenexpert: daarmee rekenen veel banken met je toekomstige inkomen. Check daarna je eigen inbreng met Eigen geld nodig bij huis kopen.'
  

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