{"id":9457,"date":"2022-12-16T11:21:25","date_gmt":"2022-12-16T10:21:25","guid":{"rendered":"https:\/\/www.hypotheekwinkel.be\/refinance\/wanneer-herfinancieren\/"},"modified":"2024-06-20T13:29:29","modified_gmt":"2024-06-20T11:29:29","slug":"when-to-refinance","status":"publish","type":"page","link":"https:\/\/www.hypotheekwinkel.be\/en\/refinance\/when-to-refinance\/","title":{"rendered":"When Is It Worth Refinancing Your Loan?"},"content":{"rendered":"\n<section\n    class=\"b-block b-hero text-left pt-5 pt-md-6 pt-xxl-7\"\n        aria-labelledby=\"block_8a90441d0b6cc9370d781785d0977ed9-title\"\n    fetchpriority=\"high\"\n>\n    <div class=\"b-hero__container container\">\n        <div class=\"b-hero__inner\">\n                            <div class=\"row mt-auto mt-sm-0\">\n                    <div class=\"col-lg-10 col-xl-9\">\n                        <h1 id=\"block_8a90441d0b6cc9370d781785d0977ed9-title\">When Is It Worth Refinancing Your Loan?<\/h1>\n                                            <\/div>\n                <\/div>\n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n\n\n<section\n\tclass=\"b-block b-editor text-left\"\n\taria-labelledby=\"block_51b730e8dd5053d9bc62cec07d016ecf-title\"\n>\n\t<div class=\"container\">\n\t\t<div class=\"row justify-content-center\">\n\t\t\t<div class=\"col \">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row mb-4\">\n\t\t\t\t\t\t\t\t<div class=\"col\">\n\t\t\t\t\t\t\t\t\t<div class=\"intro text-primary\">\n\t\t\t\t\t\t\t\t\t\t<p>If you took out a loan at a fixed interest rate in 2023, there&#8217;s a good chance you can soon secure a much more favorable loan. However, refinancing isn&#8217;t free, so when is it worth the hassle?<\/p>\n<p>Recently, it wasn&#8217;t uncommon to get a twenty-year loan at around 4% or more. The high interest rates on home loans were due to inflation and the European Central Bank&#8217;s efforts to slow down the economy. As a result, interest rates increased significantly, affecting mortgage rates.<\/p>\n<p>Now, the worst seems to be over, and interest rates have dropped a bit. But when is the right time to refinance?<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section\n\tclass=\"b-block b-editor text-left\"\n\taria-labelledby=\"block_1501edf6d3ef0027b8f1d12289f45925-title\"\n>\n\t<div class=\"container\">\n\t\t<div class=\"row justify-content-center\">\n\t\t\t<div class=\"col \">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col mb-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 id=\"block_1501edf6d3ef0027b8f1d12289f45925-title\">Too Late to Refinance? Maybe Yes, Maybe No<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row mb-4\">\n\t\t\t\t\t\t\t\t<div class=\"col\">\n\t\t\t\t\t\t\t\t\t<div class=\"intro text-primary\">\n\t\t\t\t\t\t\t\t\t\t<p>Refinancing involves replacing your current mortgage with a new loan at a lower interest rate. The outstanding capital on your old loan is paid off in one go, and you take out a new loan for the same amount.<\/p>\n<p>You often hear the rule of thumb that refinancing becomes interesting once the interest rate has dropped by 1% or more. Unfortunately, it&#8217;s not that simple. To assess the benefit, you also need to know how long the loan still has to run and how much you have already paid off. If you&#8217;re close to paying off your house, a 1% difference won&#8217;t outweigh the costs. Conversely, with a long loan term, a difference of 0.20% might already be worth considering. That&#8217;s why online simulation tools that tell you if refinancing is worthwhile are often useless. Every case is unique. At hypotheek.winkel, we offer personalized advice for free to anyone considering refinanci<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section\n\tclass=\"b-block b-editor text-left\"\n\taria-labelledby=\"block_bf82a0b1c1a02f7714c00ee94e55ae6b-title\"\n>\n\t<div class=\"container\">\n\t\t<div class=\"row justify-content-center\">\n\t\t\t<div class=\"col \">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col mb-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 id=\"block_bf82a0b1c1a02f7714c00ee94e55ae6b-title\">New Loan, New Conditions<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row mb-4\">\n\t\t\t\t\t\t\t\t<div class=\"col\">\n\t\t\t\t\t\t\t\t\t<div class=\"intro text-primary\">\n\t\t\t\t\t\t\t\t\t\t<p>A new loan means new conditions. The interest rate will be lower\u2014that&#8217;s why you&#8217;re doing it\u2014but the term might also differ from the old one. If you choose to keep the monthly payment the same, the new loan will end sooner. That\u2019s obvious, since the total cost is reduced by the lower interest rate. You can also keep the same term and pay less each month. There&#8217;s no one-size-fits-all solution. For a simulation, you can always come to hypotheek.winkel.<\/p>\n<p>You can also approach another bank if their interest rates are lower. This is called external refinancing. Remember that the new bank may have other requirements, such as a checking account for your salary deposits and new insurances. They want more than just a finger; they want your whole hand. So, comparisons are necessary.<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section\n\tclass=\"b-block b-editor text-left\"\n\taria-labelledby=\"block_1851ac0d0eb65277bb8383878b535172-title\"\n>\n\t<div class=\"container\">\n\t\t<div class=\"row justify-content-center\">\n\t\t\t<div class=\"col \">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col mb-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 id=\"block_1851ac0d0eb65277bb8383878b535172-title\">What Does Refinancing Cost?<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row mb-4\">\n\t\t\t\t\t\t\t\t<div class=\"col\">\n\t\t\t\t\t\t\t\t\t<div class=\"intro text-primary\">\n\t\t\t\t\t\t\t\t\t\t<p>When refinancing with your own bank, you pay file fees and a reinvestment fee. This is essentially a penalty for paying off the old mortgage early. The fee is legally capped at a maximum of three months&#8217; interest on the remaining capital. So, the longer you&#8217;ve been paying, the lower the reinvestment fee.<\/p>\n<p>Refinancing with another bank will cost more. You&#8217;ll also need to go through a notary. The mortgage with the old bank must be canceled, and the new one registered, which requires a notarial deed and is expensive. Sometimes a new appraisal is needed, adding to the cost. Whether you switch banks or not, you\u2019ll always have to pay file fees.<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section\n\tclass=\"b-block b-editor text-left pb-5 pb-md-6 pb-xxl-7\"\n\taria-labelledby=\"block_f3dc570575d9a58dc93b4f56a2961356-title\"\n>\n\t<div class=\"container\">\n\t\t<div class=\"row justify-content-center\">\n\t\t\t<div class=\"col \">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col mb-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 id=\"block_f3dc570575d9a58dc93b4f56a2961356-title\">Save (Tens of) Thousands of Euros Per Hour<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row mb-4\">\n\t\t\t\t\t\t\t\t<div class=\"col\">\n\t\t\t\t\t\t\t\t\t<div class=\"intro text-primary\">\n\t\t\t\t\t\t\t\t\t\t<p>Clearly, refinancing involves more than just a percentage point. Unless you enjoy shopping around at dozens of banks, we recommend spending one hour with us. That conversation could easily save you (tens of) thousands of euros. A videocall is also an option, of course.<\/p>\n<p>Find out if refinancing is beneficial for you by making an appointment at one of our hypotheek.winkel locations.<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section\n\tclass=\"b-block b-skedify pt-5 pt-md-6 pt-xxl-7 pb-5 pb-md-6 pb-xxl-7\"\n\taria-labelledby=\"block_c71a30c0f92225d0e77c646ab5e1e5e3-title\"\n>\n\t<div class=\"container\">\n\t\t\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col\">\n\t\t\t\t<div\n\t\t\t\t\tclass=\"pexip-engage-plugin\"\n\t\t\t\t\tdata-pexip-listing-id=\"\"\n\t\t\t\t\tdata-pexip-listing-type=\"externalId\"\n\t\t\t\t\tdata-pexip-flow=\"SMOCETQ\"\n\t\t\t\t\tdata-pexip-language=\"en_BE\"\n\t\t\t\t\tdata-pexip-customer-time_zone=\"Europe\/Brussels\"\n\t\t\t\t\tdata-pexip-version=\"1.0.0\"\n\t\t\t\t\tdata-pexip-application-scroll=\"-190\"\n\t\t\t\t\tdata-pexip-lead_segment-id=\"5\"\n\t\t\t\t\tdata-pexip-lead_segment-type=\"id\"\n\t\t\t\t\t\t\t\t\t\t>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t\t<script type=\"text\/javascript\">\n\t\t(function(n,i,c){if(typeof i>\"u\")return;let e=\"PexipEngage\",o=\"script\";n[e]=n[e]||function(){n[e].q=n[e].q||[];let s=arguments;if(s[0]===\"init\"){if(n[e].loaded)return;let r=i.getElementsByTagName(o)[0],t=i.createElement(o);t.defer=!0,t.async=!0,t.src=c,t.nonce=i.currentScript?.nonce,n[e].loaded=!0,r?.parentNode?.insertBefore(t,r);return}return new Promise((r,t)=>n[e].q.push([s,r,t]))};})\n\t\t(window,document,\"https:\/\/plugin.pexipengage.com\/hypotheekwinkel\/pexip-engage-plugin.js\");\n\t\twindow.PexipEngage(\"init\");\n\t<\/script>\n\t\n<script>\n(() => {\n\twindow.dataLayer = window.dataLayer || [];\n\twindow.userIp = \"94.237.110.255\";\n\n\tlet stepFormFields = [];\n\tlet startDateTime = null;\n\n\t\/**\n\t * @param {Object[]} fieldData\n\t * @param {string} fieldData[].name\n\t * @param {string} fieldData[].value\n\t * *\/\n\tfunction hsSkedifySubmission(fieldData) {\n\t\t\/\/ Get hutk\n\t\tlet hsutk = \"\";\n\t\tif (document.cookie.match(\/hubspotutk=([^;]*);\/)) {\n\t\t\thsutk = document.cookie.match(\/hubspotutk=([^;]*);\/)[1];\n\t\t}\n\n\t\t\/\/ Build json\n\t\tconst json = {\n\t\t\tfields: fieldData,\n\t\t\tcontext: {\n\t\t\t\tpageUri: window.location.href,\n\t\t\t\tpageName: document.title,\n\t\t\t\tipAddress: window.userIp,\n\t\t\t},\n\t\t};\n\n\t\t\/\/ Add the hsutk\n\t\tif (hsutk) {\n\t\t\tjson.context.hutk = hsutk;\n\t\t}\n\n\t\tconst skedifyFormStatusObject = fieldData.find(\n\t\t\t(element) => element.name === \"skedify_form_status\" && element.value === \"completed\",\n\t\t);\n\n\t\tif (skedifyFormStatusObject) {\n\t\t\t\/\/ Send data to final form\n\t\t\tconst formPath =\n\t\t\t\t\"https:\/\/api.hsforms.com\/submissions\/v3\/integration\/submit\/2234797\/1a53b8ad-09cc-4f67-b7f8-5dd74dd4473a\";\n\t\t\tconst params = JSON.stringify(json);\n\n\t\t\tfetch(formPath, {\n\t\t\t\tmethod: \"POST\",\n\t\t\t\theaders: {\n\t\t\t\t\t\"Content-Type\": \"application\/json\",\n\t\t\t\t},\n\t\t\t\tbody: params,\n\t\t\t})\n\t\t\t.then((res) => res.json())\n\t\t\t.catch((e) => {\n\t\t\t\t\/\/ console.log(e);\n\t\t\t\tthrow e;\n\t\t\t});\n\t\t} else {\n\t\t\t\/\/ Send data\n\t\t\tconst formPath =\n\t\t\t\t\"https:\/\/api.hsforms.com\/submissions\/v3\/integration\/submit\/2234797\/73af2a1c-f5a0-43d5-b8dd-bd72e61feeaf\";\n\t\t\tconst params = JSON.stringify(json);\n\n\t\t\tfetch(formPath, {\n\t\t\t\tmethod: \"POST\",\n\t\t\t\theaders: {\n\t\t\t\t\t\"Content-Type\": \"application\/json\",\n\t\t\t\t},\n\t\t\t\tbody: params,\n\t\t\t})\n\t\t\t.then((res) => res.json())\n\t\t\t.catch((e) => {\n\t\t\t\t\/\/ console.log(e);\n\t\t\t\tthrow e;\n\t\t\t});\n\t\t}\n\t}\n\n\tasync function initBindingWithSkedify() {\n\t\tconst instance = await window.PexipEngage(\"get-instance\");\n\t\tstartDateTime = new Date();\n\n\t\t\/\/ Appointment fully finished, final push\n\t\tinstance.addEventListener(instance.EVENT_APPOINTMENT_CREATED, () => {\n\t\t\t\/\/ Calculate the difference between start en submit\n\t\t\tconst endDateTime = new Date();\n\t\t\tconst tijdsDiff = endDateTime.getTime() - startDateTime.getTime();\n\t\t\tconst fields = {};\n\n\t\t\t\/\/ Customer data\n\t\t\tconst customer \t\t\t= instance.appointment.customer;\n\t\t\tfields.email \t\t\t= customer.email;\n\t\t\tfields.firstname\t\t= customer.firstName;\n\t\t\tfields.lastname\t\t\t= customer.lastName;\n\t\t\tfields.mobilephone\t\t= customer.phoneNumber;\n\n\t\t\t\/\/ Appointments data\n\t\t\tconst appointment\t\t= instance.appointment;\n\t\t\tfields.appointment_id\t= appointment.appointmentId;\n\t\t\tfields.location_id\t\t= appointment.officeId;\n\t\t\tfields.meeting_type\t\t= appointment.meetingType\n\t\t\t\t? appointment.meetingType?.toLowerCase()\n\t\t\t\t: undefined;\n\t\t\tfields.subject_id = appointment.subjectId;\n\t\t\tfields.category_id = appointment.subjectGroupId;\n\n\t\t\t\/\/ Retrieve session data from sessionStorage\n\t\t\tconst employeeData = sessionStorage.getItem(\"employeeSessionData\");\n\n\t\t\t\/\/ If session data exists, parse it\n\t\t\tif (employeeData) {\n\t\t\t\tconst employeeDataParse = JSON.parse(employeeData);\n\t\t\t\tfields.meeting_employee = employeeDataParse.meeting_employee;\n\t\t\t\tfields.meeting_employee_email = employeeDataParse.meeting_employee_email;\n\t\t\t\tfields.meeting_employee_id = employeeDataParse.meeting_employee_id;\n\t\t\t}\n\n\t\t\tconst appointmentSession = sessionStorage.getItem(\"appointmentSessionData\");\n\t\t\t\/\/ If session data exists, parse it\n\t\t\tif (appointmentSession) {\n\t\t\t\tconst appointmentSessionDataParse = JSON.parse(appointmentSession);\n\t\t\t\tfields.location_title = appointmentSessionDataParse.location_title;\n\t\t\t\tfields.subject_name = appointmentSessionDataParse.subject_name;\n\t\t\t}\n\n\t\t\tlet today = new Date();\n\t\t\tconst dd = String(today.getDate()).padStart(2, \"0\");\n\t\t\tconst mm = String(today.getMonth() + 1).padStart(2, \"0\"); \/\/January is 0!\n\t\t\tconst yyyy = today.getFullYear();\n\n\t\t\ttoday = yyyy + \"-\" + mm + \"-\" + dd;\n\n\t\t\tconst today2 = yyyy + mm + dd;\n\n\t\t\tconst submitFields = [\n\t\t\t\t{\n\t\t\t\t\tname: \"email\",\n\t\t\t\t\tvalue: fields.email,\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"firstname\",\n\t\t\t\t\tvalue: fields.firstname,\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"lastname\",\n\t\t\t\t\tvalue: fields.lastname,\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"mobilephone\",\n\t\t\t\t\tvalue: fields.mobilephone,\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"appointment_id\",\n\t\t\t\t\tvalue: fields.appointment_id,\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"location_id\",\n\t\t\t\t\tvalue: fields.location_id,\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"location_title\",\n\t\t\t\t\tvalue: fields.location_title,\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"subject_id\",\n\t\t\t\t\tvalue: fields.subject_id,\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"subject_name\",\n\t\t\t\t\tvalue: fields.subject_name,\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"category_id\",\n\t\t\t\t\tvalue: fields.category_id,\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"meeting_type\",\n\t\t\t\t\tvalue: fields.meeting_type,\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"afspraak_al_of_niet_skedify\",\n\t\t\t\t\tvalue: \"Skedify\",\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"afspraak_al_of_niet_skedify_date\",\n\t\t\t\t\tvalue: today,\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"latest_skedify_appointment_booked\",\n\t\t\t\t\tvalue: today2,\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"afspraak_al_of_niet_skedify_tijdspanne\",\n\t\t\t\t\tvalue: tijdsDiff,\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"meeting_employee\",\n\t\t\t\t\tvalue: fields.meeting_employee,\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"meeting_employee_id\",\n\t\t\t\t\tvalue: fields.meeting_employee_id,\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"meeting_employee_email\",\n\t\t\t\t\tvalue: fields.meeting_employee_email,\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"hw_taal\",\n\t\t\t\t\tvalue: \"en\",\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"skedify_form_status\",\n\t\t\t\t\tvalue: \"completed\",\n\t\t\t\t},\n\t\t\t];\n\n\t\t\twindow.dataLayer.push({\n\t\t\t\tevent: \"form_completion\",\n\t\t\t\tform_name: \"Skedify\",\n\t\t\t});\n\n\t\t\t\/\/ TODO is dit nog nodig?\n\t\t\twindow.dataLayer.push({\n\t\t\t\tskedify_subject_id: fields.subject_id,\n\t\t\t\tskedify_email: fields.email,\n\t\t\t\tevent: \"form_completion_data\",\n\t\t\t});\n\n\t\t\t\/\/ Track for VWO\n\t\t\tif (typeof VWO !== \"undefined\" && VWO.event) {\n\t\t\t\tVWO.event(\"formSubmissionNew\");\n\t\t\t}\n\n\t\t\t\/\/ Send to hs\n\t\t\thsSkedifySubmission(submitFields);\n\t\t});\n\n\t\tinstance.addEventListener(instance.EVENT_STEP_SHOWN, (e) => {\n\t\t\tconst detail = e.detail;\n\t\t\t\/**\n\t\t\t * Possible steps and fields:\n\t\t\t * - meeting-type\n\t\t\t *   - subject_id\n\t\t\t *   - afspraak_al_of_niet_skedify (\"skedify\")\n\t\t\t *   - afspraak_al_of_niet_skedify_date ( \"2024-02-22\" )\n\t\t\t *   - latest_skedify_appointment_booked ( \"20240222\" )\n\t\t\t *   - afspraak_al_of_niet_skedify_tijdspanne ( 0 )\n\t\t\t *   - hw_taal ( nl\/en\/fr )\n\t\t\t * - office\n\t\t\t *   - meeting_type ( video\/... )\n\t\t\t *   - afspraak_al_of_niet_skedify_tijdspanne --> changed to 1\n\t\t\t * - customer\n\t\t\t *   - location_id --> int\n\t\t\t *   - afspraak_al_of_niet_skedify_tijdspanne --> changed back to 0\n\t\t\t * - timetable\n\t\t\t *   - email\n\t\t\t *   - firstname\n\t\t\t *   - lastname\n\t\t\t *   - mobilephone\n\t\t\t * - questions\n\t\t\t *   - no new fields\n\t\t\t * --- Form completed event\n\t\t\t *\/\n\n\t\t\t\/\/ Check if we have sessiondata\n\t\t\tlet hsuserdata = {};\n\t\t\tconst sessionData = sessionStorage.getItem(\"hsuserdata\");\n\t\t\tif (sessionData) {\n\t\t\t\thsuserdata = JSON.parse( sessionData );\n\t\t\t}\n\n\t\t\t\/\/ Note 1: If the order of the steps ever changes, this could change too\n\t\t\t\/\/ Note 2: Interval because somehow it takes some time before the data is available. Race conditions?\n\t\t\tsetTimeout(() => {\n\t\t\t\t\/\/ Get fields depending on step\n\t\t\t\tconst nonEmptyFields = gatherAllNonEmpty( detail );\n\t\t\t\tif (!nonEmptyFields) return;\n\n\t\t\t\t\/\/ If email is unknown yet in this step, add from session\n\t\t\t\tconst emailSet = nonEmptyFields.some((el) => \"email\" === el.name);\n\n\t\t\t\tif ( ! emailSet && hsuserdata.email ) {\n\t\t\t\t\tnonEmptyFields.push({\n\t\t\t\t\t\tname: \"email\",\n\t\t\t\t\t\tvalue: hsuserdata.email,\n\t\t\t\t\t});\n\t\t\t\t}\n\n\t\t\t\tif ( ! emailSet && ! hsuserdata.email ) {\n\t\t\t\t\tconsole.error( \"Cannot submit partial data. No email data available.\");\n\t\t\t\t\treturn;\n\t\t\t\t}\n\n\t\t\t\tnonEmptyFields.push({\n\t\t\t\t\tname: \"skedify_form_status\",\n\t\t\t\t\tvalue: e.detail.payload.step,\n\t\t\t\t});\n\n\t\t\t\t\/\/ Send to hs\n\t\t\t\thsSkedifySubmission( nonEmptyFields );\n\t\t\t}, 250);\n\t\t});\n\t}\n\n\tfunction gatherAllNonEmpty( detail ) {\n\t\t\/\/ Calculate the difference between start en submit\n\t\tconst endDateTime = new Date();\n\t\tconst tijdsDiff = endDateTime.getTime() - startDateTime.getTime();\n\n\t\t\/\/ Calculate \"today\" in 2 formats\n\t\tlet today = new Date();\n\t\tconst dd = String(today.getDate()).padStart(2, \"0\");\n\t\tconst mm = String(today.getMonth() + 1).padStart(2, \"0\"); \/\/January is 0!\n\t\tconst yyyy = today.getFullYear();\n\n\t\ttoday = yyyy + \"-\" + mm + \"-\" + dd;\n\n\t\tconst today2 = yyyy + mm + dd;\n\n\t\t\/\/ Set hardcoded data\n\t\tstepFormFields = [\n\t\t\t{\n\t\t\t\tname: \"afspraak_al_of_niet_skedify\",\n\t\t\t\tvalue: \"Skedify\",\n\t\t\t},\n\t\t\t{\n\t\t\t\tname: \"afspraak_al_of_niet_skedify_tijdspanne\",\n\t\t\t\tvalue: tijdsDiff,\n\t\t\t},\n\t\t\t{\n\t\t\t\tname: \"latest_step_date\",\n\t\t\t\tvalue: today,\n\t\t\t},\n\t\t\t{\n\t\t\t\tname: \"hw_taal\",\n\t\t\t\tvalue: \"en\",\n\t\t\t},\n\t\t];\n\n\t\t\/\/ Check if appointment data available\n\t\tconst appointment = detail.instance.appointment;\n\t\t\/\/ Add appointment data\n\t\tstepFormFields.push(\n\t\t\t{\n\t\t\t\tname: \"appointment_id\",\n\t\t\t\tvalue: appointment.appointmentId,\n\t\t\t},\n\t\t\t{\n\t\t\t\tname: \"location_id\",\n\t\t\t\tvalue: appointment.officeId,\n\t\t\t},\n\t\t\t{\n\t\t\t\tname: \"subject_id\",\n\t\t\t\tvalue: appointment.subjectId,\n\t\t\t},\n\t\t\t{\n\t\t\t\tname: \"category_id\",\n\t\t\t\tvalue: appointment.subjectGroupId,\n\t\t\t},\n\t\t\t{\n\t\t\t\tname: \"meeting_type\",\n\t\t\t\tvalue: appointment.meetingType ? appointment.meetingType.toLowerCase() : undefined,\n\t\t\t},\n\t\t);\n\n\t\t\/\/ Check if office and subject data available\n\t\tconst appointmentSessionData = {};\n\n\t\tif (detail.payload.office && detail.payload.office.title) {\n\t\t\tconst location_title = detail.payload.office.title.replace(\"hypotheek.winkel \", \"\");\n\t\t\tappointmentSessionData.location_title = location_title;\n\n\t\t\t\/\/ Add appointment data\n\t\t\tstepFormFields.push({\n\t\t\t\tname: \"location_title\",\n\t\t\t\tvalue: location_title,\n\t\t\t});\n\t\t}\n\n\t\tif (detail.payload.subject && detail.payload.subject.title) {\n\t\t\tconst subject_name = detail.payload.subject.title;\n\t\t\tappointmentSessionData.subject_name = subject_name;\n\n\t\t\t\/\/ Add appointment data\n\t\t\tstepFormFields.push({\n\t\t\t\tname: \"subject_name\",\n\t\t\t\tvalue: subject_name,\n\t\t\t});\n\t\t}\n\n\t\tsessionStorage.setItem(\"appointmentSessionData\", JSON.stringify(appointmentSessionData));\n\n\t\tif (detail.payload.employee) {\n\t\t\tconst employee_firstName = detail.payload.employee.firstName ? detail.payload.employee.firstName : \"\";\n\t\t\tconst employee_lastName = detail.payload.employee.lastName\n\t\t\t\t? detail.payload.employee.lastName\n\t\t\t\t: \"\";\n\t\t\tconst employee_id = detail.payload.employee.id;\n\n\t\t\tconst employee_fullName = employee_firstName + \" \" + employee_lastName;\n\t\t\tconst employee_email = employee_firstName + \".\" + employee_lastName + \"@hypotheekwinkel.be\";\n\n\t\t\t\/\/ Add employee data\n\t\t\tstepFormFields.push(\n\t\t\t\t{\n\t\t\t\t\tname: \"meeting_employee\",\n\t\t\t\t\tvalue: employee_fullName,\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"meeting_employee_id\",\n\t\t\t\t\tvalue: employee_id,\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"meeting_employee_email\",\n\t\t\t\t\tvalue: employee_email,\n\t\t\t\t},\n\t\t\t);\n\n\t\t\t\/\/ Retrieve session data from sessionStorage\n\t\t\tconst employeeSessionData = {};\n\t\t\temployeeSessionData.meeting_employee = employee_fullName\n\t\t\temployeeSessionData.meeting_employee_id = employee_id;\n\t\t\temployeeSessionData.meeting_employee_email = employee_email\n\n\t\t\t\/\/ Convert the updated employeeSessionDATA object to a string and store it in sessionStorage\n\t\t\tsessionStorage.setItem(\"employeeSessionData\", JSON.stringify(employeeSessionData));\n\t\t}\n\n\n\t\tconst customer = detail.instance.appointment.customer;\n\t\t\/\/ Check if customer data available\n\t\tif (customer) {\n\t\t\t\/\/ Add customer data\n\t\t\tstepFormFields.push(\n\t\t\t\t{\n\t\t\t\t\tname: \"email\",\n\t\t\t\t\tvalue: customer.email,\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"firstname\",\n\t\t\t\t\tvalue: customer.firstName,\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"lastname\",\n\t\t\t\t\tvalue: customer.lastName,\n\t\t\t\t},\n\t\t\t\t{\n\t\t\t\t\tname: \"mobilephone\",\n\t\t\t\t\tvalue: customer.phoneNumber,\n\t\t\t\t},\n\t\t\t);\n\t\t}\n\n\t\t\/\/ Remove empty values\n\t\treturn stepFormFields.filter(field => !!field.value);\n\t}\n\n\tinitBindingWithSkedify();\n})()\n<\/script>\n<\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":9446,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"class_list":["post-9457","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>When Is It Worth Refinancing Your Loan?<\/title>\n<meta name=\"description\" content=\"When is refinancing worthwhile? We break down everything you need to know to help you make the right choice.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.hypotheekwinkel.be\/en\/refinance\/when-to-refinance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"When Is It Worth Refinancing Your Loan?\" \/>\n<meta property=\"og:description\" content=\"When is refinancing worthwhile? 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