Schuldregeling Uitgebreid: verschil tussen versies

 
(21 tussenliggende versies door 2 gebruikers niet weergegeven)
Regel 1: Regel 1:
In onderstaand overzicht is rekening gehouden met correcties gedurende de looptijd van de schuldenregeling:
In onderstaand overzicht is rekening gehouden met correcties gedurende de looptijd van de schuldregeling/financieel plan:
* In Jan, April, Juli en Oktober 2020 extra inkomsten i.v.m. uitbetaling kinderbijslag (<span style="color: rgb(0, 128, 0);" data-mce-style="color: #008000;">€ 200</span>) (hier is in 2020 geen recht meer op),
* In Mei 2020 wordt het vakantiegeld uitbetaald (<span style="color: rgb(255, 153, 0);" data-mce-style="color: #ff9900;">€2.650</span>)
* In juni 2020 is er een extra uitgave i.v.m. onderhoud aan de auto (<span style="color: rgb(153, 51, 102);" data-mce-style="color: #993366;">€800</span>)<br />
* In Maart 2020 wordt er een korting op een schuld gegeven (<span style="color: rgb(255, 0, 0);" data-mce-style="color: #ff0000;">-€100</span>)
* In April 2020 wordt er € 100 minder uitgegeven (<span style="color: rgb(0, 0, 128);" data-mce-style="color: #000080;">- €100</span>)


{| class="wikitable"
 
{| class="wikitable" style="width: 1287px;" data-mce-style="width: 1287px;"
|-
| style="width: 225px;" data-mce-style="width: 225px;"| 
| style="width: 73px;" data-mce-style="width: 73px;"|Jan '19
| style="width: 70px;" data-mce-style="width: 70px;"|Feb'19
| style="width: 49px;" data-mce-style="width: 49px;"|Mrt'19
| style="width: 49px;" data-mce-style="width: 49px;"|Apr'19
| style="width: 49px;" data-mce-style="width: 49px;"|Mei'19
| style="width: 49px;" data-mce-style="width: 49px;"|Jun'19
| style="width: 49px;" data-mce-style="width: 49px;"|Jul'19
| style="width: 49px;" data-mce-style="width: 49px;"|Aug'19
| style="width: 49px;" data-mce-style="width: 49px;"|Sep'19
| style="width: 49px;" data-mce-style="width: 49px;"|Okt'19
| style="width: 49px;" data-mce-style="width: 49px;"|Nov'19
| style="width: 49px;" data-mce-style="width: 49px;"|Dec'19
| style="width: 56px;" data-mce-style="width: 56px;"|Jan '20
| style="width: 42px;" data-mce-style="width: 42px;"|Feb'20
| style="width: 58px;" data-mce-style="width: 58px;"|Mrt'20
| style="width: 56px;" data-mce-style="width: 56px;"|Apr'20
|-
| style="width: 225px;" data-mce-style="width: 225px;"|Correctie niet maandelijkse inkomsten
| style="width: 73px; text-align: right;" data-mce-style="width: 73px; text-align: right;"|<span style="color: rgb(0, 128, 0);" data-mce-style="color: #008000;">€200</span>
| style="width: 70px; text-align: right;" data-mce-style="width: 70px; text-align: right;"| 
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|<span style="color: rgb(0, 128, 0);" data-mce-style="color: #008000;">€200</span>
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|<span style="color: rgb(255, 153, 0);" data-mce-style="color: #ff9900;">€2.650</span>
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|<span style="color: rgb(0, 128, 0);" data-mce-style="color: #008000;">€200</span>
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|<span style="color: rgb(0, 128, 0);" data-mce-style="color: #008000;">€200</span>
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
| style="width: 56px; text-align: right;" data-mce-style="width: 56px; text-align: right;"| 
| style="width: 42px; text-align: right;" data-mce-style="width: 42px; text-align: right;"| 
| style="width: 58px; text-align: right;" data-mce-style="width: 58px; text-align: right;"| 
| style="width: 56px; text-align: right;" data-mce-style="width: 56px; text-align: right;"| 
|-
|-
|| 
| style="width: 225px;" data-mce-style="width: 225px;"|Correctie niet maandelijkse uitgaven
||Jan
| style="width: 73px; text-align: right;" data-mce-style="width: 73px; text-align: right;"| 
||Feb
| style="width: 70px; text-align: right;" data-mce-style="width: 70px; text-align: right;"| 
||Mrt
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"
||Apr
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
||Mei
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
||Jun
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|<span style="color: rgb(153, 51, 102);" data-mce-style="color: #993366;">€800</span>
||Jul
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
||Aug
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
||Sep
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
||Okt
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
||Nov
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
||Dec
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
||Jan
| style="width: 56px; text-align: right;" data-mce-style="width: 56px; text-align: right;"| 
| style="width: 42px; text-align: right;" data-mce-style="width: 42px; text-align: right;"| 
| style="width: 58px; text-align: right;" data-mce-style="width: 58px; text-align: right;"| 
| style="width: 56px; text-align: right;" data-mce-style="width: 56px; text-align: right;"|<span style="color: rgb(0, 0, 128);" data-mce-style="color: #000080;">- €100</span>
|-
|-
||Inkomsten
| style="width: 225px;" data-mce-style="width: 225px;"|Correctie op afgesproken aflossing
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.845
| style="width: 73px; text-align: right;" data-mce-style="width: 73px; text-align: right;"| 
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.650
| style="width: 70px; text-align: right;" data-mce-style="width: 70px; text-align: right;"| 
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.650
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.845
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
| style="text-align: right;" data-mce-style="text-align: right;"|€ 5.050
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.650
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.845
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.650
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.650
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.845
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.650
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.650
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"| 
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.845
| style="width: 56px; text-align: right;" data-mce-style="width: 56px; text-align: right;"| 
| style="width: 42px; text-align: right;" data-mce-style="width: 42px; text-align: right;"| 
| style="width: 58px; text-align: right;" data-mce-style="width: 58px; text-align: right;"|<span style="color: rgb(255, 0, 0);" data-mce-style="color: #ff0000;">-€100</span>
| style="width: 56px; text-align: right;" data-mce-style="width: 56px; text-align: right;"| 
|-
|-
||Uitgaven
| style="width: 225px;" data-mce-style="width: 225px;"|Inkomsten
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.445
| style="width: 73px; text-align: right;" data-mce-style="width: 73px; text-align: right;"|€2.850
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.445
| style="width: 70px; text-align: right;" data-mce-style="width: 70px; text-align: right;"|€2.650
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.445
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€2.650
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.445
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€2.850
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.445
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€5.300
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.445
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€2.650
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.445
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€2.850
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.445
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€2.650
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.445
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€2.650
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.445
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€2.850
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.445
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€2.650
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.445
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€2.650
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.445
| style="width: 56px; text-align: right;" data-mce-style="width: 56px; text-align: right;"|€2.650
| style="width: 42px; text-align: right;" data-mce-style="width: 42px; text-align: right;"|€2.650
| style="width: 58px; text-align: right;" data-mce-style="width: 58px; text-align: right;"|€2.650
| style="width: 56px; text-align: right;" data-mce-style="width: 56px; text-align: right;"|€2.650
|-
|-
||Afloscapaciteit
| style="width: 225px;" data-mce-style="width: 225px;"|Uitgaven
| style="text-align: right;" data-mce-style="text-align: right;"|€ 400
| style="width: 73px; text-align: right;" data-mce-style="width: 73px; text-align: right;"|€2.445
| style="text-align: right;" data-mce-style="text-align: right;"|€ 205
| style="width: 70px; text-align: right;" data-mce-style="width: 70px; text-align: right;"|€2.445
| style="text-align: right;" data-mce-style="text-align: right;"|€ 205
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€2.445
| style="text-align: right;" data-mce-style="text-align: right;"|€ 400
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€2.445
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.605
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€2.445
| style="text-align: right;" data-mce-style="text-align: right;"|€ 205
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€3.245
| style="text-align: right;" data-mce-style="text-align: right;"|€ 400
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€2.445
| style="text-align: right;" data-mce-style="text-align: right;"|€ 205
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€2.445
| style="text-align: right;" data-mce-style="text-align: right;"|€ 205
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€2.445
| style="text-align: right;" data-mce-style="text-align: right;"|€ 400
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€2.445
| style="text-align: right;" data-mce-style="text-align: right;"|€ 205
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€2.445
| style="text-align: right;" data-mce-style="text-align: right;"|€ 205
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€2.445
| style="text-align: right;" data-mce-style="text-align: right;"|€ 260
| style="width: 56px; text-align: right;" data-mce-style="width: 56px; text-align: right;"|€2.445
| style="width: 42px; text-align: right;" data-mce-style="width: 42px; text-align: right;"|€2.445
| style="width: 58px; text-align: right;" data-mce-style="width: 58px; text-align: right;"|€2.445
| style="width: 56px; text-align: right;" data-mce-style="width: 56px; text-align: right;"|€2.345
|-
|-
||Schuldsaldo
| style="width: 225px;" data-mce-style="width: 225px;"|Afloscapaciteit
| style="text-align: right;" data-mce-style="text-align: right;"|€ 5.500
| style="width: 73px; text-align: right;" data-mce-style="width: 73px; text-align: right;"|€405
| style="text-align: right;" data-mce-style="text-align: right;"|€ 5.295
| style="width: 70px; text-align: right;" data-mce-style="width: 70px; text-align: right;"|€205
| style="text-align: right;" data-mce-style="text-align: right;"|€ 5.090
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€205
| style="text-align: right;" data-mce-style="text-align: right;"|€ 4.690
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€405
| style="text-align: right;" data-mce-style="text-align: right;"|€ 2.085
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€2.855
| style="text-align: right;" data-mce-style="text-align: right;"|€ 1.880
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|<span style="color: rgb(255, 0, 0);" data-mce-style="color: #ff0000;">-€595</span>
| style="text-align: right;" data-mce-style="text-align: right;"|€ 1.480
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€405
| style="text-align: right;" data-mce-style="text-align: right;"|€ 1.275
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€205
| style="text-align: right;" data-mce-style="text-align: right;"|€ 1.070
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€205
| style="text-align: right;" data-mce-style="text-align: right;"|€ 670
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€405
| style="text-align: right;" data-mce-style="text-align: right;"|€ 465
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€205
| style="text-align: right;" data-mce-style="text-align: right;"|€ 260
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€205
| style="text-align: right;" data-mce-style="text-align: right;"|-
| style="width: 56px; text-align: right;" data-mce-style="width: 56px; text-align: right;"|€205
| style="width: 42px; text-align: right;" data-mce-style="width: 42px; text-align: right;"|€205
| style="width: 58px; text-align: right;" data-mce-style="width: 58px; text-align: right;"|€205
| style="width: 56px; text-align: right;" data-mce-style="width: 56px; text-align: right;"|€305
|-
|-
||Reservering onvoorzien
| style="width: 225px;" data-mce-style="width: 225px;"|Schuldsaldo
| style="text-align: right;" data-mce-style="text-align: right;"|€ 100
| style="width: 73px; text-align: right;" data-mce-style="width: 73px; text-align: right;"|€5.500
| style="text-align: right;" data-mce-style="text-align: right;"|€ 200
| style="width: 70px; text-align: right;" data-mce-style="width: 70px; text-align: right;"|€5.295
| style="text-align: right;" data-mce-style="text-align: right;"|€ 300
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€5.090
| style="text-align: right;" data-mce-style="text-align: right;"|€ 400
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€4.685
| style="text-align: right;" data-mce-style="text-align: right;"|€ 500
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€1.830
| style="text-align: right;" data-mce-style="text-align: right;"|€ 600
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€2.425
| style="text-align: right;" data-mce-style="text-align: right;"|€ 700
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€2.020
| style="text-align: right;" data-mce-style="text-align: right;"|€ 800
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€1.815
| style="text-align: right;" data-mce-style="text-align: right;"|€ 900
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€1.610
| style="text-align: right;" data-mce-style="text-align: right;"|€ 1.000
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€1.205
| style="text-align: right;" data-mce-style="text-align: right;"|€ 1.100
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€1.000
| style="text-align: right;" data-mce-style="text-align: right;"|€ 1.200
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€795
| style="text-align: right;" data-mce-style="text-align: right;"|€ 1.440
| style="width: 56px; text-align: right;" data-mce-style="width: 56px; text-align: right;"|€590
| style="width: 42px; text-align: right;" data-mce-style="width: 42px; text-align: right;"|€385
| style="width: 58px; text-align: right;" data-mce-style="width: 58px; text-align: right;"|€80
| style="width: 56px; text-align: right;" data-mce-style="width: 56px; text-align: right;"|€0
|-
| style="width: 225px;" data-mce-style="width: 225px;"|Reservering onvoorzien
| style="width: 73px; text-align: right;" data-mce-style="width: 73px; text-align: right;"|€100
| style="width: 70px; text-align: right;" data-mce-style="width: 70px; text-align: right;"|€200
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€300
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€400
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€500
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€600
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€700
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€800
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€900
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€1.000
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€1.100
| style="width: 49px; text-align: right;" data-mce-style="width: 49px; text-align: right;"|€1.200
| style="width: 56px; text-align: right;" data-mce-style="width: 56px; text-align: right;"|€1.300
| style="width: 42px; text-align: right;" data-mce-style="width: 42px; text-align: right;"|€1.400
| style="width: 58px; text-align: right;" data-mce-style="width: 58px; text-align: right;"|€1.500
| style="width: 56px; text-align: right;" data-mce-style="width: 56px; text-align: right;"|€1.825
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In de [http://www.schuldhulphulp.nl/wiki2/supportfiles/BSSplan.xlsx excel versie] voor eigen gebruik kun je voor je client zelf ook deze correcties doorvoeren. Uitleg erover kun je [[Excelsheet voor eigen gebruik|hier]] vinden.
Zie ook: [[Budgetplan]], [[Schuldenoverzicht]], [[Overzicht van het vaste lasten schema |Vaste Lasten Schema ]] en [[Schuldregeling]]

Huidige versie van 13 dec 2020 om 11:06

In onderstaand overzicht is rekening gehouden met correcties gedurende de looptijd van de schuldregeling/financieel plan:

  • In Jan, April, Juli en Oktober 2020 extra inkomsten i.v.m. uitbetaling kinderbijslag (€ 200) (hier is in 2020 geen recht meer op),
  • In Mei 2020 wordt het vakantiegeld uitbetaald (€2.650)
  • In juni 2020 is er een extra uitgave i.v.m. onderhoud aan de auto (€800)
  • In Maart 2020 wordt er een korting op een schuld gegeven (-€100)
  • In April 2020 wordt er € 100 minder uitgegeven (- €100)


  Jan '19 Feb'19 Mrt'19 Apr'19 Mei'19 Jun'19 Jul'19 Aug'19 Sep'19 Okt'19 Nov'19 Dec'19 Jan '20 Feb'20 Mrt'20 Apr'20
Correctie niet maandelijkse inkomsten €200     €200 €2.650   €200     €200            
Correctie niet maandelijkse uitgaven           €800                   - €100
Correctie op afgesproken aflossing                             -€100  
Inkomsten €2.850 €2.650 €2.650 €2.850 €5.300 €2.650 €2.850 €2.650 €2.650 €2.850 €2.650 €2.650 €2.650 €2.650 €2.650 €2.650
Uitgaven €2.445 €2.445 €2.445 €2.445 €2.445 €3.245 €2.445 €2.445 €2.445 €2.445 €2.445 €2.445 €2.445 €2.445 €2.445 €2.345
Afloscapaciteit €405 €205 €205 €405 €2.855 -€595 €405 €205 €205 €405 €205 €205 €205 €205 €205 €305
Schuldsaldo €5.500 €5.295 €5.090 €4.685 €1.830 €2.425 €2.020 €1.815 €1.610 €1.205 €1.000 €795 €590 €385 €80 €0
Reservering onvoorzien €100 €200 €300 €400 €500 €600 €700 €800 €900 €1.000 €1.100 €1.200 €1.300 €1.400 €1.500 €1.825


In de excel versie voor eigen gebruik kun je voor je client zelf ook deze correcties doorvoeren. Uitleg erover kun je hier vinden.




Zie ook: Budgetplan, Schuldenoverzicht, Vaste Lasten Schema en Schuldregeling