Using a financing contingency correctly
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Detailed explanation, checklist and sources
Unable to arrange the mortgage? Check the financing contingency: end date, required rejections and the way in which you must notify termination.
General information about Dutch law · Reviewed on · How we work
On this page
Find the agreed conditions
Read the amount, final date and evidentiary requirements literally in your purchase agreement. A financing contingency is not automatically included in every agreement.
Collect the financing documents
Keep applications, responses from lenders and correspondence with your adviser. Ask in good time what supporting evidence is missing; do not assume that one rejection is always sufficient.
Ensure the notice arrives on time
Notify termination in the way stated in the agreement and keep the proof of receipt. Need more time? Request an extension in writing before the end date and keep the seller's agreement.
Your checklist
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Tick what you have checked or collected. Note what is missing and take your overview to a meeting.
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What do you still need for your next step?
Item 1 / 3 · Where do you stand with this item?
Purchase agreement
This overview follows your own answers. It does not assess your rights or guarantee that your file is complete.
Your choices stay here. Use the buttons below if you want to save or download.
View all details, notes and timeline
Your timeline and evidence
List events and contacts. Note where you keep the evidence; no upload is needed.
What goes in my timeline?
Record what happened, when, the response and where to find the letter, message or photo. Mark uncertain dates.
Is my evidence sent?
No. You only note where it is kept. No files are uploaded or sent automatically.
How do I save my timeline?
Your entries are not saved automatically. Choose Save and continue later to store this preparation, including your timeline, in My overview. Wait for confirmation and save new changes again. You can also download a Word file without an account.
Up to 20 events. Choose a different position for an event to change the order.
0 / 3 · Checked or collected
For each event, note the date, what happened and where the evidence is kept. Example: 3 October — letter received — correspondence folder.
Describe the solution you would like, such as an explanation of a deduction and repayment of the outstanding amount.
For example: which document is missing, who can provide it and what should I do first?
Record the date and its source. If unknown, note this and check promptly. This tool does not calculate or monitor deadlines.
After your conversation
These are your own notes. Confirm agreements with the other person; these notes do not prove their agreement.
This is your preparation, not a submitted request, objection or legally reviewed document. A tick records only your own progress. Check the procedure and deadline in the original letter.
Save and continue later
Clear entries
Download anything you want to keep first. Clearing cannot be undone.
- Purchase agreement
- Financing applications and rejections
- Proof of timely receipt
Frequently asked questions
Does the purchase automatically end if the bank says no?
Do not count on that. You must invoke the agreed contingency properly and on time.