General Info
In name of
ING
Service of product
New build house
Transaction amount
€ 120.000,00
Payment period
One time
Number of months detected
6 months
Bank accounts
2 accounts
Name's of banks
Keytrade Bank KBC
Financial Data
Income
The income currently falls short of covering the expenses. This may lead to financial stress if it continues.
Total monthly recurring income
€ 2.500,00
Salary
€ 2.500,00
Number of months deteced
12
Increase / Decrease
€1.350,00
Social security benefits
€1.350,00
Pension income
€1.350,00
Income from rent
€1.350,00
Alimony received
€150,00
Other recurring income
€150,00
Total monthly recurring income
€ 2.500,00
Salary
€ 2.500,00
Social security benefits
€1.350,00
Pension income
€1.350,00
Income from rent
€800,00
Alimony received
€150,00
Other income
€ 2.500,00
Other income
€ 2.000,00
Monthly savings
€ 3.500,00
Monthly savings
€ 3.000,00
Expenses
The expenses exceed Their income, which could lead to debt accumulation.
Total average monthly expenses
€ 2.500,00
Average monthly rent/mortgage payment
€ 2.500,00
Detected rent/mortgage payment
€ 2.500,00
Plans on selling mortgaged asset
No
Number of months detected
6
Average montly utility expenses
€ 2.500,00
Number of months detected
6
Average monthly essential expenses
€ 2.500,00
Average monthly non essential expenses
€ 2.500,00
Average monthly pet expenses
€ 2.500,00
Personal note
I’ve faced some financial challenges recently, including unexpected expenses, but I’m actively working to resolve them. I value transparency and am open to discussing any questions. My intention is to rebuild trust and maintain strong partnerships moving forward.
Suggested actions
Rent comparison
Check affordability
The new rent is higher than what the applicant currently pays. You may want to review their income or savings to ensure the increase is sustainable.
Income vs Expenses
Consider 2–3 month deposit
While the applicant doesn’t show monthly surplus, they maintain savings of €3,000, which could serve as a buffer. Consider requesting a slightly higher deposit for peace of mind.
Non essential spending
May afford with adjustments
The applicant spends a significant amount on non-essential items. With some adjustments, they may be able to comfortably afford the rent increase.”
Rent payment history
Proceed confidently
The applicant has paid rent on time for the past six months. This reflects strong reliability.
Utility payment timing
May signal instability
Payments appear irregular, with fluctuations of 5–15 days. This could indicate cash flow volatility—consider following up with the applicant.
Pets
Suggest a clause/deposit
The applicant has disclosed pets. You may want to include a pet clause in the lease and consider a dedicated pet deposit.
Guarantor
Recommend guarantor
Given the current financial profile, the presence of a guarantor could provide an additional safety net.
Tenancy type
Suggest joint check
The applicant may be applying alone, but the financial margin is narrow. Consider asking whether they’ll share the tenancy and suggest a joint financial check.
Disputed transactions
BE53 3990 4401 0765
Acme Inc.
+€500.00 per month
Acme Inc.
+€500.00 per month
Acme Inc.
+€500.00 per month
BE53 3990 4401 0765
Acme Inc.
+€500.00 per month
Acme Inc.
+€500.00 per month