{"id":2,"date":"2026-03-09T08:59:38","date_gmt":"2026-03-09T08:59:38","guid":{"rendered":"https:\/\/hypotheekarchitect.webstudio7.nl\/?page_id=2"},"modified":"2026-06-10T08:54:54","modified_gmt":"2026-06-10T08:54:54","slug":"sample-page","status":"publish","type":"page","link":"https:\/\/hypotheekarchitect.webstudio7.nl\/index.php\/sample-page\/","title":{"rendered":"Hypotheek calculator"},"content":{"rendered":"        <div class=\"hypotheekcalculator\" style=\"--hc-accent: #0f766e; --hc-accent-rgb: 15, 118, 110; --hc-accent-strong: #0f766e; --hc-action: #4f6fe5; --hc-action-rgb: 79, 111, 229; --hc-blue: #2563eb; --hc-blue-rgb: 37, 99, 235; --hc-highlight: #7214ff; --hc-highlight-rgb: 114, 20, 255; --hc-text: #0f172a; --hc-text-rgb: 15, 23, 42; --hc-disclaimer-text: #64748b; --hc-panel: #ffffff; --hc-panel-strong: #ffffff; --hc-bg: #f6fbf8; --hc-bg-rgb: 246, 251, 248; --hc-max-bg: #f0fdfa; --hc-max-bg-rgb: 240, 253, 250; --hc-monthly-bg: #f5f0ff; --hc-monthly-bg-rgb: 245, 240, 255; --hc-general-bg: #eff6ff; --hc-general-bg-rgb: 239, 246, 255;\">\n            <div class=\"calculator-container\">\n                <div class=\"calculator-layout calculator-layout-results-right\">\n\n                    <section class=\"calculator-form-section\">\n                        <h2>Jouw gegevens<\/h2>\n                        <div class=\"example-inline-note\">\n                            <span>Begin met lege velden of laad een voorbeeldscenario voor een snelle start.<\/span>\n                            <button type=\"button\" id=\"restore-example-values\" class=\"example-inline-button\">\n                                Herstel voorbeeld\n                            <\/button>\n                        <\/div>\n\n                        <form id=\"hypotheekcalculator-form\" class=\"calculator-form\" novalidate>\n                            <div class=\"form-group\">\n                                <span class=\"mode-tabs-label\">Berekening<\/span>\n                                <div class=\"mode-tabs\" role=\"tablist\" aria-label=\"Berekening\">\n                                    <button type=\"button\" class=\"mode-tab is-active\" data-mode=\"max_mortgage\" role=\"tab\" aria-selected=\"true\">\n                                        Maximale hypotheek\n                                    <\/button>\n                                    <button type=\"button\" class=\"mode-tab\" data-mode=\"monthly_costs\" role=\"tab\" aria-selected=\"false\">\n                                        Maandlasten berekenen\n                                    <\/button>\n                                <\/div>\n                                <input type=\"hidden\" id=\"calculation_mode\" name=\"calculation_mode\" value=\"max_mortgage\">\n                            <\/div>\n\n                            <details class=\"form-section-block collapsible-section mode-group mode-max-mortgage\">\n                                <summary class=\"collapsible-section-summary\">\n                                    <div class=\"collapsible-section-summary-copy\">\n                                        <span class=\"group-eyebrow\">Max hypotheek<\/span>\n                                        <div class=\"collapsible-section-summary-text\">\n                                            <h3>Inkomen en leensituatie<\/h3>\n                                            <p>Gebruik hier inkomen, eventuele partner en de rentevaste periode voor de inkomenstoets.<\/p>\n                                        <\/div>\n                                    <\/div>\n                                    <span class=\"collapsible-section-chevron\" aria-hidden=\"true\"><\/span>\n                                <\/summary>\n                                <div class=\"collapsible-section-body\">\n                                    <div class=\"form-group\">\n                                        <div class=\"field-label-row\">\n                                            <label for=\"income\">Bruto jaarinkomen<span class=\"required-marker is-visible\" data-required-marker-for=\"income\" aria-hidden=\"true\">*<\/span><\/label>\n                                            <span class=\"help-tooltip\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over bruto jaarinkomen\" title=\"Meer informatie over bruto jaarinkomen\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Vul hier je bruto jaarinkomen in zonder partnerinkomen. Gebruik vaste inkomensdelen die normaal meetellen voor een hypotheekaanvraag.<\/span><\/span>                                        <\/div>\n                                        <div class=\"input-control-row\">\n                                            <input type=\"text\" inputmode=\"numeric\" id=\"income\" name=\"income\" value=\"\" data-example-value=\"41.472\" placeholder=\"Bijv. 41.472\" autocomplete=\"off\">\n                                            <button type=\"button\" class=\"income-calculator-trigger\" data-target-field=\"income\" aria-label=\"Open hulp om bruto jaarinkomen te berekenen\">\n                                                <span aria-hidden=\"true\">Bereken<\/span>\n                                            <\/button>\n                                        <\/div>\n                                        <div class=\"field-error\" data-error-for=\"income\"><\/div>\n                                    <\/div>\n\n                                    <div class=\"form-group\" id=\"income-age-group\" style=\"display:none;\">\n                                        <div class=\"field-label-row\">\n                                            <label for=\"income_age\">Leeftijd<span class=\"required-marker\" data-required-marker-for=\"income_age\" aria-hidden=\"true\" hidden>*<\/span><\/label>\n                                            <span class=\"help-tooltip\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over leeftijd\" title=\"Meer informatie over leeftijd\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Vul je huidige leeftijd in. Op basis daarvan bepalen we of alleen je huidige inkomen telt, of ook je pensioeninkomen en AOW-normen.<\/span><\/span>                                        <\/div>\n                                        <input type=\"number\" id=\"income_age\" name=\"income_age\" value=\"\" data-example-value=\"42\" placeholder=\"Bijv. 42\" min=\"18\" max=\"100\" step=\"1\">\n                                        <div class=\"form-help\" id=\"income-age-status\">\n                                            Vanaf 57 jaar toetsen we ook met pensioeninkomen. Vanaf 67 jaar gebruiken we de AOW-tabel.\n                                        <\/div>\n                                        <div class=\"field-error\" data-error-for=\"income_age\"><\/div>\n                                    <\/div>\n\n                                    <div class=\"form-group\">\n                                        <div class=\"field-label-row\">\n                                            <label for=\"partner_income\">Bruto jaarinkomen partner<\/label>\n                                            <span class=\"help-tooltip\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over bruto jaarinkomen partner\" title=\"Meer informatie over bruto jaarinkomen partner\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Vul hier het bruto jaarinkomen van je partner in. Laat dit leeg als je alleen een hypotheek aanvraagt.<\/span><\/span>                                        <\/div>\n                                        <div class=\"input-control-row\">\n                                            <input type=\"text\" inputmode=\"numeric\" id=\"partner_income\" name=\"partner_income\" value=\"\" data-example-value=\"\" placeholder=\"Bijv. 32.400\" autocomplete=\"off\">\n                                            <button type=\"button\" class=\"income-calculator-trigger\" data-target-field=\"partner_income\" aria-label=\"Open hulp om bruto jaarinkomen partner te berekenen\">\n                                                <span aria-hidden=\"true\">Bereken<\/span>\n                                            <\/button>\n                                        <\/div>\n                                        <div class=\"field-error\" data-error-for=\"partner_income\"><\/div>\n                                    <\/div>\n\n                                    <div class=\"form-group\" id=\"partner-income-age-group\" style=\"display:none;\">\n                                        <div class=\"field-label-row\">\n                                            <label for=\"partner_income_age\">Leeftijd partner<span class=\"required-marker\" data-required-marker-for=\"partner_income_age\" aria-hidden=\"true\" hidden>*<\/span><\/label>\n                                            <span class=\"help-tooltip\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over leeftijd partner\" title=\"Meer informatie over leeftijd partner\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Vul de huidige leeftijd van je partner in als je partnerinkomen gebruikt in de berekening.<\/span><\/span>                                        <\/div>\n                                        <input type=\"number\" id=\"partner_income_age\" name=\"partner_income_age\" value=\"\" data-example-value=\"\" placeholder=\"Bijv. 39\" min=\"18\" max=\"100\" step=\"1\">\n                                        <div class=\"form-help\" id=\"partner-income-age-status\">\n                                            Vul dit alleen in als je partnerinkomen gebruikt. Vanaf 57 jaar toetsen we ook met pensioeninkomen.\n                                        <\/div>\n                                        <div class=\"field-error\" data-error-for=\"partner_income_age\"><\/div>\n                                    <\/div>\n\n                                    <div class=\"form-group\" id=\"income-after-retirement-group\" style=\"display:none;\">\n                                        <div class=\"field-label-row\">\n                                            <label for=\"income_after_retirement\">Bruto pensioeninkomen na AOW<span class=\"required-marker\" data-required-marker-for=\"income_after_retirement\" aria-hidden=\"true\" hidden>*<\/span><\/label>\n                                            <span class=\"help-tooltip\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over bruto pensioeninkomen na AOW\" title=\"Meer informatie over bruto pensioeninkomen na AOW\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Vul hier het verwachte bruto jaarinkomen na pensionering in zodra je binnen de pensioencheckleeftijd valt. We rekenen dan zowel met je huidige inkomen als met je pensioeninkomen en nemen de laagste uitkomst.<\/span><\/span>                                        <\/div>\n                                        <input type=\"text\" inputmode=\"numeric\" id=\"income_after_retirement\" name=\"income_after_retirement\" value=\"\" data-example-value=\"\" placeholder=\"Bijv. 29.500\" autocomplete=\"off\">\n                                        <div class=\"form-help\">Verplicht zodra je leeftijd tussen 57 en 66 jaar ligt.<\/div>\n                                        <div class=\"field-error\" data-error-for=\"income_after_retirement\"><\/div>\n                                    <\/div>\n\n                                    <div class=\"form-group\" id=\"partner-income-after-retirement-group\" style=\"display:none;\">\n                                        <div class=\"field-label-row\">\n                                            <label for=\"partner_income_after_retirement\">Bruto pensioeninkomen partner na AOW<span class=\"required-marker\" data-required-marker-for=\"partner_income_after_retirement\" aria-hidden=\"true\" hidden>*<\/span><\/label>\n                                            <span class=\"help-tooltip\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over bruto pensioeninkomen partner na AOW\" title=\"Meer informatie over bruto pensioeninkomen partner na AOW\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Vul hier het verwachte bruto jaarinkomen van je partner na pensionering in zodra je partner binnen de pensioencheckleeftijd valt.<\/span><\/span>                                        <\/div>\n                                        <input type=\"text\" inputmode=\"numeric\" id=\"partner_income_after_retirement\" name=\"partner_income_after_retirement\" value=\"\" data-example-value=\"\" placeholder=\"Bijv. 18.000\" autocomplete=\"off\">\n                                        <div class=\"form-help\">Verplicht zodra je partner binnen 10 jaar van de AOW-leeftijd zit.<\/div>\n                                        <div class=\"field-error\" data-error-for=\"partner_income_after_retirement\"><\/div>\n                                    <\/div>\n\n                                    <div class=\"form-group\">\n                                        <div class=\"field-label-row\">\n                                            <label for=\"debts\">Maandlast andere leningen<\/label>\n                                            <span class=\"help-tooltip\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over maandlast andere leningen\" title=\"Meer informatie over maandlast andere leningen\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Hier vul je de maandlasten van lopende leningen, private lease of doorlopend krediet in. Deze lasten verlagen je maximale hypotheek.<\/span><\/span>                                        <\/div>\n                                        <input type=\"text\" inputmode=\"numeric\" id=\"debts\" name=\"debts\" value=\"\" data-example-value=\"0\" placeholder=\"Bijv. 250\" autocomplete=\"off\">\n                                        <div class=\"form-help\">Gebruik hier het maandbedrag van lopende kredieten of leaseverplichtingen.<\/div>\n                                        <div class=\"field-error\" data-error-for=\"debts\"><\/div>\n                                    <\/div>\n\n                                    <div class=\"form-group\">\n                                        <div class=\"field-label-row\">\n                                            <label for=\"rate_fixation_years\">Rentevaste periode (jaren)<span class=\"required-marker is-visible\" data-required-marker-for=\"rate_fixation_years\" aria-hidden=\"true\">*<\/span><\/label>\n                                            <span class=\"help-tooltip\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over rentevaste periode\" title=\"Meer informatie over rentevaste periode\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Dit is het aantal jaren dat de rente vaststaat. Is dit korter dan 10 jaar, dan kan de AFM-toetsrente gelden als die hoger is dan je ingevulde rente.<\/span><\/span>                                        <\/div>\n                                        <input type=\"number\" id=\"rate_fixation_years\" name=\"rate_fixation_years\" value=\"10\" data-example-value=\"10\" placeholder=\"Bijv. 10\" min=\"1\" max=\"30\" step=\"1\">\n                                        <div class=\"form-help\">Standaard gebruiken we 10 jaar. Korter dan 10 jaar gebruikt de AFM-toetsrente als die hoger is dan de offerte-rente.<\/div>\n                                        <div class=\"field-error\" data-error-for=\"rate_fixation_years\"><\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/details>\n\n                            <details class=\"form-section-block collapsible-section mode-group mode-monthly-costs\" style=\"display:none;\">\n                                <summary class=\"collapsible-section-summary\">\n                                    <div class=\"collapsible-section-summary-copy\">\n                                        <span class=\"group-eyebrow\">Maandlasten<\/span>\n                                        <div class=\"collapsible-section-summary-text\">\n                                            <h3>Financiering en hypotheekvorm<\/h3>\n                                            <p>Eigen geld wordt afgetrokken van het ingevulde leenbedrag, of van de woningwaarde als leenbedrag leeg is.<\/p>\n                                        <\/div>\n                                    <\/div>\n                                    <span class=\"collapsible-section-chevron\" aria-hidden=\"true\"><\/span>\n                                <\/summary>\n                                <div class=\"collapsible-section-body\">\n                                    <div class=\"form-group\">\n                                        <div class=\"field-label-row\">\n                                            <label for=\"loan_amount\">Leenbedrag<span class=\"required-marker\" data-required-marker-for=\"loan_amount\" aria-hidden=\"true\" hidden>*<\/span><\/label>\n                                            <span class=\"help-tooltip\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over leenbedrag\" title=\"Meer informatie over leenbedrag\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Vul hier het bedrag in dat je wilt financieren. Als je eigen geld invult, trekken we dat hiervan af voor de maandlastberekening. Laat dit leeg om woningwaarde min eigen geld te gebruiken.<\/span><\/span>                                        <\/div>\n                                        <input type=\"text\" inputmode=\"numeric\" id=\"loan_amount\" name=\"loan_amount\" value=\"\" data-example-value=\"300.000\" placeholder=\"Bijv. 300.000\" autocomplete=\"off\">\n                                        <div class=\"form-help mode-monthly-costs\">Eigen geld wordt hiervan afgetrokken voor de maandlast.<\/div>\n                                        <div class=\"field-error\" data-error-for=\"loan_amount\"><\/div>\n                                    <\/div>\n\n                                    <div class=\"form-group\">\n                                        <div class=\"field-label-row\">\n                                            <label for=\"own_money\">Eigen geld<\/label>\n                                            <span class=\"help-tooltip\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over eigen geld\" title=\"Meer informatie over eigen geld\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Eigen geld is het bedrag dat je zelf inbrengt. Daardoor daalt het benodigde leenbedrag en vaak ook de LTV.<\/span><\/span>                                        <\/div>\n                                        <input type=\"text\" inputmode=\"numeric\" id=\"own_money\" name=\"own_money\" value=\"\" data-example-value=\"\" placeholder=\"Bijv. 20.000\" autocomplete=\"off\">\n                                        <div class=\"form-help mode-monthly-costs\">We trekken dit af van het ingevulde leenbedrag, of van de woningwaarde als leenbedrag leeg is.<\/div>\n                                        <div class=\"field-error\" data-error-for=\"own_money\"><\/div>\n                                    <\/div>\n\n                                    <fieldset class=\"form-group mortgage-type-group\">\n                                        <legend class=\"field-label-row fieldset-legend\">\n                                            <span>Hypotheekvorm<span class=\"required-marker is-visible\" data-required-marker-for=\"mortgage_type\" aria-hidden=\"true\">*<\/span><\/span>\n                                            <span class=\"help-tooltip\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over hypotheekvorm\" title=\"Meer informatie over hypotheekvorm\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Kies annuitair of lineair. Bij annuitair blijven de bruto maandlasten ongeveer gelijk, terwijl ze bij lineair meestal dalen in de tijd.<\/span><\/span>                                        <\/legend>\n                                        <div class=\"mortgage-type-options\">\n                                            <label class=\"mortgage-type-option\" for=\"mortgage_type_annuity\">\n                                                <input type=\"radio\" id=\"mortgage_type_annuity\" name=\"mortgage_type\" value=\"annuity\" checked>\n                                                <span>Annu&iuml;tair<\/span>\n                                            <\/label>\n\n                                            <label class=\"mortgage-type-option\" for=\"mortgage_type_linear\">\n                                                <input type=\"radio\" id=\"mortgage_type_linear\" name=\"mortgage_type\" value=\"linear\" >\n                                                <span>Lineair<\/span>\n                                            <\/label>\n                                        <\/div>\n                                        <div class=\"field-error\" data-error-for=\"mortgage_type\"><\/div>\n                                    <\/fieldset>\n                                <\/div>\n                            <\/details>\n\n                            <details class=\"form-section-block collapsible-section shared-group\">\n                                <summary class=\"collapsible-section-summary\">\n                                    <div class=\"collapsible-section-summary-copy\">\n                                        <span class=\"group-eyebrow\">Algemeen<\/span>\n                                        <div class=\"collapsible-section-summary-text\">\n                                            <h3>Rente, looptijd en woning<\/h3>\n                                        <\/div>\n                                    <\/div>\n                                    <span class=\"collapsible-section-chevron\" aria-hidden=\"true\"><\/span>\n                                <\/summary>\n                                <div class=\"collapsible-section-body\">\n                                    <div class=\"form-group\">\n                                        <div class=\"field-label-row\">\n                                            <label for=\"interest_rate\">Rente (%)<span class=\"required-marker is-visible\" data-required-marker-for=\"interest_rate\" aria-hidden=\"true\">*<\/span><\/label>\n                                            <span class=\"help-tooltip\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over rente\" title=\"Meer informatie over rente\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Dit is de rente waarmee we rekenen op basis van je invoer. Als je een NHG-rente van een geldverstrekker gebruikt, vul je die rente hier direct in.<\/span><\/span>                                        <\/div>\n                                        <input type=\"text\" inputmode=\"decimal\" id=\"interest_rate\" name=\"interest_rate\" value=\"3,96\" data-example-value=\"3,96\" placeholder=\"Bijv. 3,96\" autocomplete=\"off\">\n                                        <div class=\"form-help\">\n                                            Standaard ingevuld met de gemiddelde rente van 3,96%. Je kunt dit aanpassen.\n                                            <a class=\"form-help-link\" href=\"https:\/\/www.hypotheker.nl\/rentestanden\/\" target=\"_blank\" rel=\"noopener noreferrer\">Klik hier voor de actuele rente<\/a>.\n                                        <\/div>\n                                        <div class=\"field-error\" data-error-for=\"interest_rate\"><\/div>\n                                    <\/div>\n\n                                    <div class=\"form-group\">\n                                        <div class=\"field-label-row\">\n                                            <label for=\"term_years\">Looptijd hypotheek (jaren)<span class=\"required-marker is-visible\" data-required-marker-for=\"term_years\" aria-hidden=\"true\">*<\/span><\/label>\n                                            <span class=\"help-tooltip\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over looptijd hypotheek\" title=\"Meer informatie over looptijd hypotheek\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>De looptijd is de duur van de hypotheek. Een kortere looptijd geeft meestal hogere maandlasten en vaak een lagere maximale hypotheek.<\/span><\/span>                                        <\/div>\n                                        <input type=\"number\" id=\"term_years\" name=\"term_years\" value=\"30\" data-example-value=\"30\" placeholder=\"Bijv. 30\" min=\"5\" max=\"30\" step=\"1\">\n                                        <div class=\"form-help mode-max-mortgage\">Dit is de echte hypotheekduur. Korter dan 30 jaar verlaagt de maximale hypotheek. Standaard gebruiken we 30 jaar.<\/div>\n                                        <div class=\"field-error\" data-error-for=\"term_years\"><\/div>\n                                    <\/div>\n\n                                    <div class=\"form-group\">\n                                        <div class=\"field-label-row\">\n                                            <label for=\"property_value\">Woningwaarde<span class=\"required-marker\" data-required-marker-for=\"property_value\" aria-hidden=\"true\" hidden>*<\/span><\/label>\n                                            <span class=\"help-tooltip\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over woningwaarde\" title=\"Meer informatie over woningwaarde\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>We gebruiken de woningwaarde om te toetsen of NHG mogelijk is en om de LTV te berekenen. LTV is de verhouding tussen hypotheek en woningwaarde.<\/span><\/span>                                        <\/div>\n                                        <input type=\"text\" inputmode=\"numeric\" id=\"property_value\" name=\"property_value\" value=\"\" data-example-value=\"\" placeholder=\"Bijv. 450.000\" autocomplete=\"off\">\n                                        <div class=\"form-help mode-max-mortgage\">Optioneel. Als je dit invult, toetsen we ook aan NHG en de LTV-grens.<\/div>\n                                        <div class=\"field-error\" data-error-for=\"property_value\"><\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/details>\n\n                            <button type=\"submit\" class=\"calculate-button\">Bereken<\/button>\n                            <div id=\"live-feedback-status\" class=\"live-feedback-status\" aria-live=\"polite\">\n                                Live validatie actief. Resultaten verschijnen automatisch zodra de invoer geldig is.\n                            <\/div>\n                        <\/form>\n                    <\/section>\n\n                    <section class=\"calculator-results-section\">\n                        <h2>Resultaten<\/h2>\n\n                        <div id=\"general-error\" class=\"general-error\" style=\"display:none;\"><\/div>\n\n                        <div id=\"results-placeholder\" class=\"results-placeholder\">\n                            Kies een berekening en vul je gegevens in. Het resultaat verschijnt automatisch zodra de invoer geldig is, of direct via <strong>Bereken<\/strong>.\n                        <\/div>\n\n                        <div id=\"results-content\" class=\"results-content\" style=\"display:none;\">\n                            <div class=\"results-mode-title\">\n                                <span id=\"result-mode-title\">-<\/span>\n                            <\/div>\n\n                            <div class=\"results-cards\">\n                                <div class=\"result-card result-card-max result-card-primary\">\n                                    <div class=\"result-label-group\">\n                                        <span class=\"result-label\" id=\"result-max-hypotheek-label\">Max hypotheek op inkomen<\/span>\n                                        <span class=\"help-tooltip is-result\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over maximale hypotheek op inkomen\" title=\"Meer informatie over maximale hypotheek op inkomen\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Dit is het maximale hypotheekbedrag op basis van inkomen en financieringsnormen, nog los van een eventuele begrenzing door de woningwaarde.<\/span><\/span>                                    <\/div>\n                                    <strong id=\"result-max-hypotheek\">-<\/strong>\n                                    <span class=\"result-card-note\" id=\"result-max-hypotheek-note\">-<\/span>\n                                <\/div>\n\n                                <div class=\"result-card result-card-max\">\n                                    <div class=\"result-label-group\">\n                                        <span class=\"result-label\">Toetsinkomen<\/span>\n                                        <span class=\"help-tooltip is-result\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over toetsinkomen\" title=\"Meer informatie over toetsinkomen\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Het toetsinkomen is het inkomen waarmee de geldverstrekker rekent. Als een pensioenscenario beperkend is, tonen we hier het inkomen uit dat scenario.<\/span><\/span>                                    <\/div>\n                                    <strong id=\"result-assessment-income\">-<\/strong>\n                                <\/div>\n\n                                <div class=\"result-card result-card-max\">\n                                    <div class=\"result-label-group\">\n                                        <span class=\"result-label\">Beschikbare jaarlast<\/span>\n                                        <span class=\"help-tooltip is-result\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over beschikbare jaarlast\" title=\"Meer informatie over beschikbare jaarlast\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Dit is het bedrag dat volgens de normen jaarlijks beschikbaar blijft voor hypotheeklasten, na aftrek van andere financiele verplichtingen.<\/span><\/span>                                    <\/div>\n                                    <strong id=\"result-available-per-year\">-<\/strong>\n                                <\/div>\n\n                                <div class=\"result-card result-card-max\">\n                                    <div class=\"result-label-group\">\n                                        <span class=\"result-label\">Financieringslastpercentage<\/span>\n                                        <span class=\"help-tooltip is-result\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over financieringslastpercentage\" title=\"Meer informatie over financieringslastpercentage\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Dit is je woonquote: het percentage van het toetsinkomen dat volgens de officiele financieringslasttabellen aan hypotheeklasten besteed mag worden.<\/span><\/span>                                    <\/div>\n                                    <strong id=\"result-financing-load-percentage\">-<\/strong>\n                                <\/div>\n\n                                <div class=\"result-card result-card-max\" id=\"result-card-max-property-value-limit\">\n                                    <div class=\"result-label-group\">\n                                        <span class=\"result-label\">Woningwaarde \/ LTV-grens<\/span>\n                                        <span class=\"help-tooltip is-result\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over woningwaarde en LTV-grens\" title=\"Meer informatie over woningwaarde en LTV-grens\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Op basis van de woningwaarde mag je maximaal dit bedrag lenen. Is dit lager dan je maximale hypotheek op inkomen, dan begrenst de woningwaarde de uitkomst.<\/span><\/span>                                    <\/div>\n                                    <strong id=\"result-max-property-value-limit\">-<\/strong>\n                                    <span class=\"result-card-note\" id=\"result-max-property-value-explanation\">-<\/span>\n                                <\/div>\n\n                                <div class=\"result-card result-card-max\" id=\"result-card-max-nhg\">\n                                    <div class=\"result-label-group\">\n                                        <span class=\"result-label\">NHG<\/span>\n                                        <span class=\"help-tooltip is-result\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over NHG\" title=\"Meer informatie over NHG\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>NHG staat voor Nationale Hypotheek Garantie. We tonen hier of je lening en woning binnen de NHG-grens vallen.<\/span><\/span>                                    <\/div>\n                                    <strong id=\"result-max-nhg\">-<\/strong>\n                                <\/div>\n\n                                <div class=\"result-card result-card-monthly result-card-primary\">\n                                    <div class=\"result-label-group\">\n                                        <span class=\"result-label\" id=\"result-gross-monthly-payment-label\">Bruto maandlast<\/span>\n                                        <span class=\"help-tooltip is-result\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over bruto maandlast\" title=\"Meer informatie over bruto maandlast\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Dit is het maandbedrag voor belastingvoordeel. Bij een lineaire hypotheek tonen we hier de eerste bruto maandlast.<\/span><\/span>                                    <\/div>\n                                    <strong id=\"result-gross-monthly-payment\">-<\/strong>\n                                <\/div>\n\n                                <div class=\"result-card result-card-monthly\">\n                                    <div class=\"result-label-group\">\n                                        <span class=\"result-label\">Leenbedrag<\/span>\n                                        <span class=\"help-tooltip is-result\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over leenbedrag\" title=\"Meer informatie over leenbedrag\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Dit is het bedrag waarvoor we de maandlasten berekenen, na aftrek van eigen geld als dat is ingevuld.<\/span><\/span>                                    <\/div>\n                                    <strong id=\"result-loan-amount\">-<\/strong>\n                                <\/div>\n\n                                <div class=\"result-card result-card-monthly\" id=\"result-card-own-money\">\n                                    <div class=\"result-label-group\">\n                                        <span class=\"result-label\">Eigen geld<\/span>\n                                        <span class=\"help-tooltip is-result\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over eigen geld\" title=\"Meer informatie over eigen geld\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Dit is het bedrag dat je zelf inbrengt in de financiering of aankoop van de woning.<\/span><\/span>                                    <\/div>\n                                    <strong id=\"result-own-money\">-<\/strong>\n                                <\/div>\n\n                                <div class=\"result-card result-card-monthly\" id=\"result-card-ltv\">\n                                    <div class=\"result-label-group\">\n                                        <span class=\"result-label\">LTV<\/span>\n                                        <span class=\"help-tooltip is-result\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over LTV\" title=\"Meer informatie over LTV\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>LTV staat voor loan-to-value: het percentage van de woningwaarde dat je financiert met je hypotheek.<\/span><\/span>                                    <\/div>\n                                    <strong id=\"result-ltv\">-<\/strong>\n                                <\/div>\n\n                                <div class=\"result-card result-card-monthly\" id=\"result-card-last-gross-monthly-payment\">\n                                    <div class=\"result-label-group\">\n                                        <span class=\"result-label\">Laatste bruto maandlast<\/span>\n                                        <span class=\"help-tooltip is-result\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over laatste bruto maandlast\" title=\"Meer informatie over laatste bruto maandlast\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Bij een lineaire hypotheek daalt de bruto maandlast meestal in de tijd. Hier zie je de bruto maandlast aan het einde van de looptijd.<\/span><\/span>                                    <\/div>\n                                    <strong id=\"result-last-gross-monthly-payment\">-<\/strong>\n                                <\/div>\n\n                                <div class=\"result-card result-card-monthly\">\n                                    <div class=\"result-label-group\">\n                                        <span class=\"result-label\">Netto eerste maandlast<\/span>\n                                        <span class=\"help-tooltip is-result\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over netto eerste maandlast\" title=\"Meer informatie over netto eerste maandlast\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Dit is de eerste maandlast na het verwerkte belastingvoordeel op de rente. Het blijft een indicatie en geen definitieve fiscale berekening.<\/span><\/span>                                    <\/div>\n                                    <strong id=\"result-first-net-monthly-payment\">-<\/strong>\n                                <\/div>\n\n                                <div class=\"result-card result-card-monthly\">\n                                    <div class=\"result-label-group\">\n                                        <span class=\"result-label\">Totale rente<\/span>\n                                        <span class=\"help-tooltip is-result\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over totale rente\" title=\"Meer informatie over totale rente\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Dit is alle rente die je over de volledige looptijd samen betaalt.<\/span><\/span>                                    <\/div>\n                                    <strong id=\"result-total-interest\">-<\/strong>\n                                <\/div>\n\n                                <div class=\"result-card result-card-monthly\">\n                                    <div class=\"result-label-group\">\n                                        <span class=\"result-label\">Totale kosten<\/span>\n                                        <span class=\"help-tooltip is-result\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over totale kosten\" title=\"Meer informatie over totale kosten\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>Dit is het totaal van rente en aflossing over de hele looptijd van de hypotheek.<\/span><\/span>                                    <\/div>\n                                    <strong id=\"result-total-costs\">-<\/strong>\n                                <\/div>\n\n                                <div class=\"result-card result-card-monthly\" id=\"result-card-nhg\">\n                                    <div class=\"result-label-group\">\n                                        <span class=\"result-label\">NHG<\/span>\n                                        <span class=\"help-tooltip is-result\"><button type=\"button\" class=\"help-tooltip-button\" aria-label=\"Meer informatie over NHG\" title=\"Meer informatie over NHG\" aria-expanded=\"false\" tabindex=\"-1\">?<\/button><span class=\"help-tooltip-panel\" hidden>NHG staat voor Nationale Hypotheek Garantie. We tonen hier of je lening en woning binnen de NHG-grens vallen.<\/span><\/span>                                    <\/div>\n                                    <strong id=\"result-nhg\">-<\/strong>\n                                <\/div>\n                            <\/div>\n\n                            <details class=\"details-section details-section-monthly collapsible-section\">\n                                <summary class=\"collapsible-section-summary\">\n                                    <div class=\"details-section-heading\">\n                                        <h3>Vergelijking hypotheekvormen<\/h3>\n                                        <p>Vergelijk annu&iuml;tair en lineair direct op maandlasten, rente en totale kosten.<\/p>\n                                    <\/div>\n                                    <span class=\"collapsible-section-chevron\" aria-hidden=\"true\"><\/span>\n                                <\/summary>\n                                <div class=\"collapsible-section-body\">\n                                    <div id=\"result-comparison-grid\" class=\"comparison-grid\"><\/div>\n                                <\/div>\n                            <\/details>\n\n                            <details class=\"details-section details-section-monthly collapsible-section\">\n                                <summary class=\"collapsible-section-summary\">\n                                    <div class=\"details-section-heading\">\n                                        <h3>Schema per periode<\/h3>\n                                        <p>Schakel tussen jaar- en maandweergave zonder een lange resultatenkolom.<\/p>\n                                    <\/div>\n                                    <span class=\"collapsible-section-chevron\" aria-hidden=\"true\"><\/span>\n                                <\/summary>\n                                <div class=\"collapsible-section-body\">\n                                    <div class=\"result-period-tabs\" role=\"tablist\" aria-label=\"Periodeoverzicht maandlasten\">\n                                        <button\n                                            type=\"button\"\n                                            id=\"result-period-tab-year\"\n                                            class=\"result-period-tab is-active\"\n                                            data-period-target=\"year\"\n                                            role=\"tab\"\n                                            aria-selected=\"true\"\n                                            aria-controls=\"result-period-panel-year\"\n                                        >\n                                            Jaar\n                                        <\/button>\n                                        <button\n                                            type=\"button\"\n                                            id=\"result-period-tab-month\"\n                                            class=\"result-period-tab\"\n                                            data-period-target=\"month\"\n                                            role=\"tab\"\n                                            aria-selected=\"false\"\n                                            aria-controls=\"result-period-panel-month\"\n                                            tabindex=\"-1\"\n                                        >\n                                            Maand\n                                        <\/button>\n                                    <\/div>\n\n                                    <div\n                                        id=\"result-period-panel-year\"\n                                        class=\"result-period-panel is-active\"\n                                        data-period-panel=\"year\"\n                                        role=\"tabpanel\"\n                                        aria-labelledby=\"result-period-tab-year\"\n                                    >\n                                        <section class=\"result-period-pane-section\">\n                                            <div class=\"result-period-pane-heading\">\n                                                <h4>Visuele opbouw per jaar<\/h4>\n                                                <p>Zie direct hoeveel van je hypotheeklasten jaarlijks uit rente en aflossing bestaan.<\/p>\n                                            <\/div>\n\n                                            <div class=\"chart-legend\" aria-hidden=\"true\">\n                                                <span class=\"chart-legend-item\">\n                                                    <span class=\"chart-legend-swatch chart-legend-swatch-interest\"><\/span>\n                                                    Rente\n                                                <\/span>\n                                                <span class=\"chart-legend-item\">\n                                                    <span class=\"chart-legend-swatch chart-legend-swatch-aflossing\"><\/span>\n                                                    Aflossing\n                                                <\/span>\n                                            <\/div>\n\n                                            <div id=\"result-year-chart\" class=\"result-year-chart\"><\/div>\n                                        <\/section>\n\n                                    <\/div>\n\n                                    <div\n                                        id=\"result-period-panel-month\"\n                                        class=\"result-period-panel\"\n                                        data-period-panel=\"month\"\n                                        role=\"tabpanel\"\n                                        aria-labelledby=\"result-period-tab-month\"\n                                        hidden\n                                    >\n                                        <section class=\"result-period-pane-section\">\n                                            <div class=\"result-period-pane-heading\">\n                                                <h4>Eerste 12 maanden<\/h4>\n                                                <p>Detailoverzicht van de eerste twaalf maandregels uit het aflossingsschema.<\/p>\n                                            <\/div>\n\n                                            <div class=\"table-wrapper\">\n                                                <table class=\"result-table\">\n                                                    <thead>\n                                                        <tr>\n                                                            <th>Maand<\/th>\n                                                            <th>Rente<\/th>\n                                                            <th>Aflossing<\/th>\n                                                            <th>Bruto maandlast<\/th>\n                                                            <th>Netto maandlast<\/th>\n                                                            <th>Resterende schuld<\/th>\n                                                        <\/tr>\n                                                    <\/thead>\n                                                    <tbody id=\"result-table-body\"><\/tbody>\n                                                <\/table>\n                                            <\/div>\n                                        <\/section>\n                                    <\/div>\n                                <\/div>\n                            <\/details>\n                        <\/div>\n                    <\/section>\n\n                <\/div>\n            <\/div>\n\n            <p class=\"calculator-disclaimer\">\n                De getoonde bedragen zijn een indicatie op basis van je bruto-inkomen en de huidige wetgeving. Deze berekening is puur informatief en niet bindend. Er is geen sprake van persoonlijk hypotheekadvies. Vraag altijd een erkend adviseur of geldverstrekker om een definitieve berekening.\n            <\/p>\n\n            <div id=\"income-helper-modal\" class=\"income-helper-modal\" hidden>\n                <div class=\"income-helper-backdrop\" data-close-income-helper=\"true\"><\/div>\n                <section class=\"income-helper-dialog\" role=\"dialog\" aria-modal=\"true\" aria-labelledby=\"income-helper-title\">\n                    <div class=\"income-helper-header\">\n                        <h3 id=\"income-helper-title\">Bereken jaarinkomen<\/h3>\n                        <button type=\"button\" class=\"income-helper-close\" id=\"close-income-helper\" aria-label=\"Sluit popup\">&times;<\/button>\n                    <\/div>\n\n                    <p class=\"income-helper-copy\">Reken maandsalaris, vakantiegeld en bonus om naar jaarinkomen. Met Bereken vullen we het bedrag direct in.<\/p>\n\n                    <div class=\"income-helper-grid\">\n                        <div class=\"form-group\">\n                            <label for=\"helper_monthly_salary\">Maandsalaris<\/label>\n                            <input type=\"text\" inputmode=\"numeric\" id=\"helper_monthly_salary\" placeholder=\"Bijv. 3.200\" autocomplete=\"off\">\n                        <\/div>\n\n                        <div class=\"form-group\">\n                            <label for=\"helper_vacation_allowance\">Vakantiegeld (%)<\/label>\n                            <input type=\"text\" inputmode=\"decimal\" id=\"helper_vacation_allowance\" value=\"8\" autocomplete=\"off\">\n                        <\/div>\n\n                        <div class=\"form-group income-helper-grid-full\">\n                            <label for=\"helper_bonus\">Bonus (optioneel)<\/label>\n                            <input type=\"text\" inputmode=\"numeric\" id=\"helper_bonus\" placeholder=\"Bijv. 2.500\" autocomplete=\"off\">\n                        <\/div>\n                    <\/div>\n\n                    <div class=\"income-helper-actions\">\n                        <button type=\"button\" id=\"calculate-income-helper\" class=\"secondary-button\">Bereken<\/button>\n                    <\/div>\n                <\/section>\n            <\/div>\n        <\/div>\n        \n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-2","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/hypotheekarchitect.webstudio7.nl\/index.php\/wp-json\/wp\/v2\/pages\/2","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hypotheekarchitect.webstudio7.nl\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/hypotheekarchitect.webstudio7.nl\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/hypotheekarchitect.webstudio7.nl\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hypotheekarchitect.webstudio7.nl\/index.php\/wp-json\/wp\/v2\/comments?post=2"}],"version-history":[{"count":13,"href":"https:\/\/hypotheekarchitect.webstudio7.nl\/index.php\/wp-json\/wp\/v2\/pages\/2\/revisions"}],"predecessor-version":[{"id":45,"href":"https:\/\/hypotheekarchitect.webstudio7.nl\/index.php\/wp-json\/wp\/v2\/pages\/2\/revisions\/45"}],"wp:attachment":[{"href":"https:\/\/hypotheekarchitect.webstudio7.nl\/index.php\/wp-json\/wp\/v2\/media?parent=2"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}