{
  "schemaVersion": 1,
  "scope": "SF35",
  "checkedAt": "2026-10-12",
  "contentUpdatedAt": "2026-10-14",
  "facts": {
    "calendar.2026": {
      "value": 2026,
      "display": "2026",
      "unit": "calendar-year",
      "kind": "reference"
    },
    "calendar.2027": {
      "value": 2027,
      "display": "2027",
      "unit": "calendar-year",
      "kind": "reference"
    },
    "example.zero": {
      "value": 0,
      "display": "€0",
      "unit": "EUR",
      "kind": "assumption"
    },
    "sf35.rate.2027": {
      "value": 2.7,
      "display": "2,70%",
      "unit": "percent",
      "kind": "official",
      "year": 2027,
      "effectiveFrom": "2027-01-01",
      "source": "https://duo.nl/particulier/rente/rente-voor-studenten.jsp"
    },
    "sf35.rate.2026": {
      "value": 2.33,
      "display": "2,33%",
      "unit": "percent",
      "kind": "official",
      "year": 2026,
      "effectiveFrom": "2026-01-01",
      "source": "https://duo.nl/particulier/rente/rente-voor-studenten.jsp"
    },
    "sf35.threshold.single.2026": {
      "value": 26819.42,
      "display": "€26.819,42",
      "unit": "EUR/year",
      "kind": "official",
      "year": 2026,
      "source": "https://duo.nl/particulier/studieschuld-terugbetalen/berekening-maandbedrag.jsp"
    },
    "sf35.threshold.family.2026": {
      "value": 38351.77,
      "display": "€38.351,77",
      "unit": "EUR/year",
      "kind": "official",
      "year": 2026,
      "source": "https://duo.nl/particulier/studieschuld-terugbetalen/berekening-maandbedrag.jsp"
    },
    "sf35.capacity": {
      "value": 4,
      "display": "4%",
      "unit": "percent",
      "kind": "official",
      "source": "https://duo.nl/particulier/studieschuld-terugbetalen/terugbetalingsregels.jsp"
    },
    "sf35.duration": {
      "value": 35,
      "display": "35 jaar",
      "unit": "years",
      "kind": "official",
      "source": "https://duo.nl/particulier/studieschuld-terugbetalen/terugbetalingsregels.jsp"
    },
    "sf35.minimumCapacity": {
      "value": 5,
      "display": "€5",
      "unit": "EUR/month",
      "kind": "official",
      "source": "https://duo.nl/particulier/studieschuld-terugbetalen/terugbetalingsregels.jsp"
    },
    "sf35.fixedPeriod": {
      "value": 5,
      "display": "5 jaar",
      "unit": "years",
      "kind": "official",
      "source": "https://duo.nl/particulier/rente/rente-voor-terugbetalers.jsp"
    },
    "example.income": {
      "value": 56685,
      "display": "€56.685",
      "unit": "EUR/year",
      "kind": "assumption",
      "note": "Gekozen voorbeeldinkomen; geen officieel gemiddeld loopbaaninkomen."
    },
    "example.startIncome": {
      "value": 42000,
      "display": "€42.000",
      "unit": "EUR/year",
      "kind": "assumption"
    },
    "example.inflation": {
      "value": 2.5,
      "display": "2,5%",
      "unit": "percent/year",
      "kind": "assumption",
      "note": "Instelbare aanname, geen vastgestelde toekomstige inflatie."
    },
    "example.debt": {
      "value": 50000,
      "display": "€50.000",
      "unit": "EUR",
      "kind": "assumption"
    },
    "example.cash": {
      "value": 10000,
      "display": "€10.000",
      "unit": "EUR",
      "kind": "assumption"
    },
    "example.savingsRate": {
      "value": 3.01,
      "display": "3,01%",
      "unit": "percent/year",
      "kind": "assumption",
      "source": "https://help.bunq.com/en-nl/articles/what-massinterest-rate-applies-to-me",
      "checkedAt": "2026-10-13",
      "note": "Voorbeeld rekent een heel jaar met de maximale bunq-bonusrente. De werkelijke basisrente, bonusvoorwaarden en renteperiode kunnen verschillen."
    },
    "savings.bunq.bonus.20261013": {
      "value": 3.01,
      "display": "3,01%",
      "unit": "percent/year",
      "kind": "snapshot",
      "asOf": "2026-10-13",
      "checkedAt": "2026-10-13",
      "source": "https://help.bunq.com/en-nl/articles/what-massinterest-rate-applies-to-me",
      "note": "Maximale bonusrente voor persoonlijke eurospaarrekeningen; niet het algemene basistarief voor ieder saldo."
    },
    "deposit.rate.20261012": {
      "value": 3.3,
      "display": "3,30%",
      "unit": "percent/year",
      "kind": "snapshot",
      "asOf": "2026-10-12",
      "source": "https://www.raisin.com/nl-nl/deposito/deposito-1-jaar/",
      "note": "Eenjaarsdeposito in euro, onder meer BluOr Bank via Raisin. Het aanbod kan wijzigen."
    },
    "deposit.guarantee": {
      "value": 100000,
      "display": "€100.000",
      "unit": "EUR/person/bank",
      "kind": "official",
      "source": "https://www.dnb.nl/betrouwbare-financiele-sector/nederlandse-depositogarantie/tot-welk-bedrag-is-mijn-geld-beschermd/"
    },
    "tax.box3.exemption.single.2026": {
      "value": 59357,
      "display": "€59.357",
      "unit": "EUR/person",
      "kind": "official",
      "year": 2026,
      "checkedAt": "2026-10-14",
      "source": "https://www.belastingdienst.nl/wps/wcm/connect/nl/box-3/content/heffingsvrij-vermogen",
      "note": "Heffingsvrij vermogen op basis van bezittingen min aftrekbare schulden op 1 januari 2026."
    },
    "tax.box3.exemption.partners.2026": {
      "value": 118714,
      "display": "€118.714",
      "unit": "EUR/fiscal-partners",
      "kind": "official",
      "year": 2026,
      "checkedAt": "2026-10-14",
      "source": "https://www.belastingdienst.nl/wps/wcm/connect/nl/box-3/content/heffingsvrij-vermogen"
    },
    "example2.income": {
      "value": 65000,
      "display": "€65.000",
      "unit": "EUR/year",
      "kind": "assumption"
    },
    "example2.debt": {
      "value": 90000,
      "display": "€90.000",
      "unit": "EUR",
      "kind": "assumption"
    },
    "example2.growth": {
      "value": 3,
      "display": "3%",
      "unit": "percent/year",
      "kind": "assumption"
    },
    "example3.income": {
      "value": 50000,
      "display": "€50.000",
      "unit": "EUR/year",
      "kind": "assumption"
    },
    "example3.debt": {
      "value": 10000,
      "display": "€10.000",
      "unit": "EUR",
      "kind": "assumption"
    },
    "case.2025-0427.debt": {
      "value": 53000,
      "display": "ruim €53.000",
      "unit": "EUR",
      "kind": "historical",
      "approximate": true,
      "source": "https://www.kifid.nl/wp-content/uploads/2025/06/Uitspraak-2025-0427.pdf"
    },
    "case.2024-0972.debt": {
      "value": 51426.61,
      "display": "€51.426,61",
      "unit": "EUR",
      "kind": "historical",
      "asOf": "2023-04-01",
      "source": "https://www.kifid.nl/wp-content/uploads/2024/11/Uitspraak-2024-0972.pdf"
    },
    "housing.overbid.2026Q3": {
      "value": 3.3,
      "display": "3,3%",
      "unit": "percent",
      "kind": "snapshot",
      "period": "2026-Q3",
      "source": "https://www.nvm.nl/media/w3qbe35s/marktoverzicht-nederland-3e-kwartaal-2026.pdf"
    },
    "housing.overbid.terraced.2026Q3": {
      "value": 4.3,
      "display": "4,3%",
      "unit": "percent",
      "kind": "snapshot",
      "period": "2026-Q3",
      "source": "https://www.nvm.nl/media/w3qbe35s/marktoverzicht-nederland-3e-kwartaal-2026.pdf"
    },
    "housing.overbid.apartment.2026Q3": {
      "value": 4.5,
      "display": "4,5%",
      "unit": "percent",
      "kind": "snapshot",
      "period": "2026-Q3",
      "source": "https://www.nvm.nl/media/w3qbe35s/marktoverzicht-nederland-3e-kwartaal-2026.pdf"
    },
    "repayment.duoInterest": {
      "value": 270.00000000000006,
      "display": "€270",
      "unit": "EUR/year",
      "kind": "calculated",
      "checkedAt": "2026-10-14",
      "derivedFrom": [
        "example.cash",
        "sf35.rate.2027",
        "example.savingsRate",
        "deposit.rate.20261012"
      ]
    },
    "repayment.savingsInterest": {
      "value": 300.99999999999994,
      "display": "€301",
      "unit": "EUR/year",
      "kind": "calculated",
      "checkedAt": "2026-10-14",
      "derivedFrom": [
        "example.cash",
        "sf35.rate.2027",
        "example.savingsRate",
        "deposit.rate.20261012"
      ]
    },
    "repayment.depositInterest": {
      "value": 330,
      "display": "€330",
      "unit": "EUR/year",
      "kind": "calculated",
      "checkedAt": "2026-10-14",
      "derivedFrom": [
        "example.cash",
        "sf35.rate.2027",
        "example.savingsRate",
        "deposit.rate.20261012"
      ]
    },
    "repayment.depositDifference": {
      "value": 59.99999999999994,
      "display": "€60",
      "unit": "EUR/year",
      "kind": "calculated",
      "checkedAt": "2026-10-14",
      "derivedFrom": [
        "example.cash",
        "sf35.rate.2027",
        "example.savingsRate",
        "deposit.rate.20261012"
      ]
    },
    "repayment.savingsDifference": {
      "value": 30.999999999999886,
      "display": "€31",
      "unit": "EUR/year",
      "kind": "calculated",
      "checkedAt": "2026-10-14",
      "derivedFrom": [
        "example.cash",
        "sf35.rate.2027",
        "example.savingsRate",
        "deposit.rate.20261012"
      ]
    },
    "example2.year1.income": {
      "value": 65000,
      "display": "€65.000",
      "unit": "EUR/year",
      "kind": "calculated",
      "checkedAt": "2026-10-14",
      "derivedFrom": [
        "example2.debt",
        "example2.income",
        "example2.growth",
        "sf35.rate.2027",
        "sf35.threshold.single.2026",
        "sf35.capacity",
        "sf35.duration"
      ]
    },
    "example2.year1.repayment": {
      "value": 1527.2232000000004,
      "display": "€1.527",
      "unit": "EUR/year",
      "kind": "calculated",
      "checkedAt": "2026-10-14",
      "derivedFrom": [
        "example2.debt",
        "example2.income",
        "example2.growth",
        "sf35.rate.2027",
        "sf35.threshold.single.2026",
        "sf35.capacity",
        "sf35.duration"
      ]
    },
    "example2.year1.balance": {
      "value": 90883.9683244582,
      "display": "€90.884",
      "unit": "EUR",
      "kind": "calculated",
      "checkedAt": "2026-10-14",
      "derivedFrom": [
        "example2.debt",
        "example2.income",
        "example2.growth",
        "sf35.rate.2027",
        "sf35.threshold.single.2026",
        "sf35.capacity",
        "sf35.duration"
      ]
    },
    "example2.year2.income": {
      "value": 66950,
      "display": "€66.950",
      "unit": "EUR/year",
      "kind": "calculated",
      "checkedAt": "2026-10-14",
      "derivedFrom": [
        "example2.debt",
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        "example2.growth",
        "sf35.rate.2027",
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        "sf35.capacity",
        "sf35.duration"
      ]
    },
    "example2.year2.repayment": {
      "value": 1573.0398959999995,
      "display": "€1.573",
      "unit": "EUR/year",
      "kind": "calculated",
      "checkedAt": "2026-10-14",
      "derivedFrom": [
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        "sf35.rate.2027",
        "sf35.threshold.single.2026",
        "sf35.capacity",
        "sf35.duration"
      ]
    },
    "example2.year2.balance": {
      "value": 91745.42284341047,
      "display": "€91.745",
      "unit": "EUR",
      "kind": "calculated",
      "checkedAt": "2026-10-14",
      "derivedFrom": [
        "example2.debt",
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        "example2.growth",
        "sf35.rate.2027",
        "sf35.threshold.single.2026",
        "sf35.capacity",
        "sf35.duration"
      ]
    },
    "example2.year3.income": {
      "value": 68958.5,
      "display": "€68.959",
      "unit": "EUR/year",
      "kind": "calculated",
      "checkedAt": "2026-10-14",
      "derivedFrom": [
        "example2.debt",
        "example2.income",
        "example2.growth",
        "sf35.rate.2027",
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      ]
    },
    "example2.year3.repayment": {
      "value": 1620.2310928800005,
      "display": "€1.620",
      "unit": "EUR/year",
      "kind": "calculated",
      "checkedAt": "2026-10-14",
      "derivedFrom": [
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        "sf35.rate.2027",
        "sf35.threshold.single.2026",
        "sf35.capacity",
        "sf35.duration"
      ]
    },
    "example2.year3.balance": {
      "value": 92582.3642556002,
      "display": "€92.582",
      "unit": "EUR",
      "kind": "calculated",
      "checkedAt": "2026-10-14",
      "derivedFrom": [
        "example2.debt",
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        "sf35.threshold.single.2026",
        "sf35.capacity",
        "sf35.duration"
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    },
    "example2.year34.income": {
      "value": 172401.79049311831,
      "display": "€172.402",
      "unit": "EUR/year",
      "kind": "calculated",
      "checkedAt": "2026-10-14",
      "derivedFrom": [
        "example2.debt",
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    "example2.year34.repayment": {
      "value": 4050.707910194304,
      "display": "€4.051",
      "unit": "EUR/year",
      "kind": "calculated",
      "checkedAt": "2026-10-14",
      "derivedFrom": [
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    },
    "example2.year34.balance": {
      "value": 89734.17395375115,
      "display": "€89.734",
      "unit": "EUR",
      "kind": "calculated",
      "checkedAt": "2026-10-14",
      "derivedFrom": [
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    "example2.year35.income": {
      "value": 177573.84420791184,
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      "kind": "calculated",
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      "derivedFrom": [
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    "example2.year35.repayment": {
      "value": 4172.229147500132,
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      "kind": "calculated",
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    "example2.year35.balance": {
      "value": 87933.38452906918,
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    },
    "career.startRange": {
      "value": "36000-42000",
      "display": "~€36k tot €42k",
      "unit": "EUR/year",
      "kind": "assumption"
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    "career.middleRange": {
      "value": "50000-70000",
      "display": "~€50k → €70k",
      "unit": "EUR/year",
      "kind": "assumption"
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    "career.lateRange": {
      "value": "65000-75000",
      "display": "~€65k → €75k",
      "unit": "EUR/year",
      "kind": "assumption"
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    "career.nonWorkingYears": {
      "value": 1.05,
      "display": "~1,05 jaar",
      "unit": "years",
      "kind": "assumption"
    },
    "career.fte": {
      "value": 0.95,
      "display": "0,95 fte",
      "unit": "fte",
      "kind": "assumption"
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    "example1.aboveThreshold": {
      "value": 29865.58,
      "display": "€29.865,58",
      "unit": "EUR/year",
      "kind": "calculated",
      "checkedAt": "2026-10-14",
      "derivedFrom": [
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    "example1.yearlyRepayment": {
      "value": 1194.6232,
      "display": "€1.194,62",
      "unit": "EUR/year",
      "kind": "calculated",
      "checkedAt": "2026-10-14",
      "derivedFrom": [
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    "example1.totalRepayment": {
      "value": 41811.812000000005,
      "display": "€41.812",
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    "example1.forgiveness": {
      "value": 8188.187999999995,
      "display": "€8.188",
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    "example2.totalRepayment": {
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    "example2.forgiveness": {
      "value": 87933.38452906918,
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    "example3.totalInterest": {
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    "example3.forgiveness": {
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    "mortgage.historical.withoutDebt": {
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      "source": "https://studieschuldinfo.nl/duo-schuld/hypotheek/",
      "note": "Letterlijk uit het oorspronkelijke hypotheekvoorbeeld van december 2025; geen nieuwe hypotheekberekening voor 2027."
    },
    "mortgage.historical.withDebt": {
      "value": 217089,
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      "unit": "EUR",
      "kind": "historical",
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      "checkedAt": "2026-10-13",
      "source": "https://studieschuldinfo.nl/duo-schuld/hypotheek/",
      "note": "Letterlijk uit het oorspronkelijke hypotheekvoorbeeld van december 2025; geen nieuwe hypotheekberekening voor 2027."
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    "mortgage.historical.difference": {
      "value": 45889,
      "display": "€45.889",
      "unit": "EUR",
      "kind": "historical",
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      "checkedAt": "2026-10-13",
      "source": "https://studieschuldinfo.nl/duo-schuld/hypotheek/",
      "note": "Letterlijk uit het oorspronkelijke hypotheekvoorbeeld van december 2025; geen nieuwe hypotheekberekening voor 2027."
    },
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      "kind": "historical",
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      "checkedAt": "2026-10-13",
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      "note": "Letterlijk uit het oorspronkelijke hypotheekvoorbeeld van december 2025; geen nieuwe hypotheekberekening voor 2027."
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    "mortgage.historical.date": {
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      "source": "https://studieschuldinfo.nl/duo-schuld/hypotheek/",
      "note": "Letterlijk uit het oorspronkelijke hypotheekvoorbeeld van december 2025; geen nieuwe hypotheekberekening voor 2027."
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    "mortgage.monthlyInstalment": {
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      "kind": "calculated",
      "checkedAt": "2026-10-13",
      "derivedFrom": [
        "example.debt",
        "sf35.rate.2027",
        "sf35.duration"
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    "mortgage.smallMonthlyExample": {
      "value": 50,
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    "mortgage.fixedPeriod": {
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    "mortgage.energyLabel": {
      "value": "A",
      "display": "A",
      "unit": "energy-label",
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    "mortgage.buyerCosts": {
      "value": "4-6",
      "display": "~4 tot 6%",
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    "mortgageMonthly": 183.25847759158958
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  "assumptions": {
    "interest": "2.70% effective yearly interest is held constant throughout each illustrative scenario.",
    "threshold": "The confirmed 2026 exemption is the starting value; this is not an official 2027 exemption.",
    "income": "The chosen EUR 56,685 is an illustrative income, not an official lifetime average.",
    "example2": "Income and exemption both grow 3% annually; income is the calculation income for that year.",
    "example3": "Income and exemption both grow 3% annually; capacity stays above the legal instalment.",
    "payment": "Monthly interest and end-of-month payments; legal instalment recalculated after each modelled 60-month period.",
    "exclusions": [
      "income reference-year delay",
      "existing individual interest-period dates",
      "family changes",
      "payment holidays",
      "partner debt allocation"
    ],
    "rounding": "Internal calculations retain full precision; displayed amounts are rounded."
  },
  "articles": [
    "/duo-schuld/aflossen",
    "/duo-schuld/kwijtschelding",
    "/duo-schuld/hypotheek",
    "/duo-schuld/verzwijgen"
  ]
}