Betalingsregeling: verschil tussen versies
Geen bewerkingssamenvatting |
|||
| Regel 3: | Regel 3: | ||
===Werkwijze=== | ===Werkwijze=== | ||
Uitgangspunt is dat alle crediteuren gelijk behandeld worden en er sprake is van voldoende afloscapaciteit (afklossing binnen 36 maanden). | Uitgangspunt is dat alle crediteuren gelijk behandeld worden en er sprake is van voldoende afloscapaciteit (afklossing binnen 36 maanden). Voorbeeld: | ||
{| class="wikitable" style=" | |||
Een gezin heeft de volgende achterstanden: | |||
{| class="wikitable" style="height: 116px; width: 348px;" data-mce-style="height: 116px; width: 348px;" | |||
|- | |- | ||
| style="width: | | style="width: 197.812px;" data-mce-style="width: 197.812px;"|Omschrijving | ||
| style="width: 124.812px; text-align: right;" data-mce-style="width: 124.812px; text-align: right;"|Bedrag | |||
| style="width: | |||
|- | |- | ||
| style="width: | | style="width: 197.812px;" data-mce-style="width: 197.812px;"|Huur | ||
| style="width: | | style="width: 124.812px; text-align: right;" data-mce-style="width: 124.812px; text-align: right;"|€ 1000 | ||
|- | |- | ||
| style="width: | | style="width: 197.812px;" data-mce-style="width: 197.812px;"|Energiebedrijf | ||
| style="width: | | style="width: 124.812px; text-align: right;" data-mce-style="width: 124.812px; text-align: right;"|€ 500 | ||
|- | |- | ||
| style="width: | | style="width: 197.812px;" data-mce-style="width: 197.812px;"|Gemeentebelasting | ||
| style="width: | | style="width: 124.812px; text-align: right;" data-mce-style="width: 124.812px; text-align: right;"|€ 250 | ||
|- | |- | ||
| style="width: | | style="width: 197.812px;" data-mce-style="width: 197.812px;"|Wehkamp | ||
| style="width: | | style="width: 124.812px; text-align: right;" data-mce-style="width: 124.812px; text-align: right;"|€ 750 | ||
|- | |- | ||
| style="width: | | style="width: 197.812px;" data-mce-style="width: 197.812px;"|Totaal | ||
| style="width: | | style="width: 124.812px; text-align: right;" data-mce-style="width: 124.812px; text-align: right;"|€ 2500 | ||
|} | |} | ||
Allereerst wordt de afloscapaciteit per maand bepaald : | |||
{| class="wikitable" style="width: 466px; height: 93px;" data-mce-style="width: 466px; height: 93px;" | |||
|- | |||
| style="width: 200px;" data-mce-style="width: 200px;"|Inkomen (incl. Toeslagen) | |||
| style="width: 131px; text-align: right;" data-mce-style="width: 131px; text-align: right;"|<br /> | |||
| style="width: 99px; text-align: right;" data-mce-style="width: 99px; text-align: right;"|€ 2500 | |||
|- | |||
| style="width: 200px;" data-mce-style="width: 200px;"|Vaste lasten | |||
| style="width: 131px; text-align: right;" data-mce-style="width: 131px; text-align: right;"|-€ 1800 | |||
| style="width: 99px; text-align: right;" data-mce-style="width: 99px; text-align: right;"|<br /> | |||
|- | |||
| style="width: 200px;" data-mce-style="width: 200px;"|Leefgeld | |||
| style="width: 131px; text-align: right;" data-mce-style="width: 131px; text-align: right;"|-€ 300 | |||
| style="width: 99px; text-align: right;" data-mce-style="width: 99px; text-align: right;"|<br /> | |||
|- | |||
| style="width: 200px;" data-mce-style="width: 200px;"|Reservering onvoorzien | |||
| style="width: 131px; text-align: right;" data-mce-style="width: 131px; text-align: right;"|-€ 100 | |||
| style="width: 99px; text-align: right;" data-mce-style="width: 99px; text-align: right;"| | |||
|- | |||
| style="width: 200px;" data-mce-style="width: 200px;"|Totaal Vaste lasten | |||
| style="width: 131px; text-align: right;" data-mce-style="width: 131px; text-align: right;"| | |||
| style="width: 99px; text-align: right;" data-mce-style="width: 99px; text-align: right;"|-€ 2200 | |||
|- | |||
| style="width: 200px;" data-mce-style="width: 200px;"|Afloscapaciteit | |||
| style="width: 131px; text-align: right;" data-mce-style="width: 131px; text-align: right;"|<br /> | |||
| style="width: 99px; text-align: right;" data-mce-style="width: 99px; text-align: right;"|-€300 | |||
|} | |||
Hierna kan op basis van de verhouding van de schulden per schuldeiser het voor te stellen aflosbedrag worden bepaald: | |||
{| class="wikitable" style="height: 116px; width: 639px;" data-mce-style="height: 116px; width: 639px;" | |||
|- | |||
| style="width: 305px;" data-mce-style="width: 305px;"|Omschrijving | |||
| style="width: 246px; text-align: right;" data-mce-style="width: 246px; text-align: right;"|Bedrag | |||
| style="width: 129px; text-align: right;" data-mce-style="width: 129px; text-align: right;"|Percentage van de hele schuld | |||
| style="width: 201px; text-align: right;" data-mce-style="width: 201px; text-align: right;"|Aflosbedrag/maand | |||
|- | |||
| style="width: 305px;" data-mce-style="width: 305px;"|Huur | |||
| style="width: 246px; text-align: right;" data-mce-style="width: 246px; text-align: right;"|€ 1000 | |||
| style="width: 129px; text-align: right;" data-mce-style="width: 129px; text-align: right;"|40% | |||
| style="width: 201px; text-align: right;" data-mce-style="width: 201px; text-align: right;"|€120 | |||
|- | |||
| style="width: 305px;" data-mce-style="width: 305px;"|Energiebedrijf | |||
| style="width: 246px; text-align: right;" data-mce-style="width: 246px; text-align: right;"|€ 500 | |||
| style="width: 129px; text-align: right;" data-mce-style="width: 129px; text-align: right;"|20% | |||
| style="width: 201px; text-align: right;" data-mce-style="width: 201px; text-align: right;"|€ 60 | |||
|- | |||
| style="width: 305px;" data-mce-style="width: 305px;"|Gemeentebelasting | |||
| style="width: 246px; text-align: right;" data-mce-style="width: 246px; text-align: right;"|€ 250 | |||
| style="width: 129px; text-align: right;" data-mce-style="width: 129px; text-align: right;"|10% | |||
| style="width: 201px; text-align: right;" data-mce-style="width: 201px; text-align: right;"|€ 30 | |||
|- | |||
| style="width: 305px;" data-mce-style="width: 305px;"|Wehkamp | |||
| style="width: 246px; text-align: right;" data-mce-style="width: 246px; text-align: right;"|€ 750 | |||
| style="width: 129px; text-align: right;" data-mce-style="width: 129px; text-align: right;"|30% | |||
| style="width: 201px; text-align: right;" data-mce-style="width: 201px; text-align: right;"|€ 90 | |||
|- | |||
| style="width: 305px;" data-mce-style="width: 305px;"|Totaal | |||
| style="width: 246px; text-align: right;" data-mce-style="width: 246px; text-align: right;"|€ 2500 | |||
| style="width: 129px; text-align: right;" data-mce-style="width: 129px; text-align: right;"|100% | |||
| style="width: 201px; text-align: right;" data-mce-style="width: 201px; text-align: right;"|€ 300 | |||
|} | |||
In sommige gevallen bij bijvoorbeeld een heel klein bedrag i.r.t. aan achterstand kan hier van worden afgeweken. | |||
<p> | |||
</p> | |||
===Bijzonderheden=== | ===Bijzonderheden=== | ||