Database Explorer

{
  "dossier_id": "6cdf1a8b-d6b0-4881-b6ca-2c7fb45c4771",
  "key": "klantprofiel",
  "value_json": {
    "woonduur": "Lang (>10 jaar), woning blijft hoofdverblijf",
    "aanleiding": [
      "Echtscheiding / beëindiging relatie"
    ],
    "wijziging_gezin": "Nee",
    "hypotheek_doelen": [
      "Uitkoop partner i.v.m. echtscheiding",
      "Stabiele maandlasten lange periode"
    ],
    "financiele_doelen": [
      "Zekerheid van voldoende inkomsten in alle situaties"
    ],
    "risico_acceptatie": "Gemiddeld; ondernemer, gewend aan inkomensschommelingen",
    "wijziging_werkgever": "Nee",
    "aanleiding_toelichting": "Ontslag hoofdelijke aansprakelijkheid ING + uitkoop ex-partner; woning Westhoven 38 toegedeeld aan aanvrager (convenant 11-02-2026, ontbinding 03-06-2026).",
    "inkomen_a1_ontwikkeling": "Stijgend",
    "overlijden_doel_voorziening": "Bestaande overlijdensrisicoverzekering",
    "inkomen_a1_ontwikkeling_toelichting": "Omzetherstel 2025 (±350k BTW-omzet) en nieuwe vof per 02-02-2026; 2024 was incidenteel gedrukt.",
    "kennis_hypotheek_hypotheek_algemeen": "Goed; bestaande bankspaar/aflossingsvrij/annuïtaire constructie bekend",
    "kennis_algemeen_financi_le_kennis_en_ervaring": "Ruim; ondernemer sinds 2005, eerdere hypotheekervaring (2010, ING)"
  },
  "updated_at": 1781250148333
}

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        "type": "hypotheekofferte",
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        "createdAt": "2026-06-12T07:40:45.788Z",
        "bevindingen": [], ... [afgekapt: 334 tekens]

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{
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    "overlijden_a1": "Er loopt een gelijkblijvende overlijdensrisicoverzekering bij a.s.r. (polis 70521797, verzekerd kapitaal EUR 200.000, oorspronkelijk op beide levens, verpand aan ING). Na het ontslag hoofdelijke aansprakelijkheid wordt de polis aangepast naar alleen het leven van de aanvrager; het verzekerd kapitaal dekt ruim het niet door bankspaar gedekte deel van de financiering. Bij overlijden lost de uitkering de hypotheek grotendeels af; er zijn geen partner- of kinderverplichtingen (nihilbeding).",
    "overlijden_a2": "Niet van toepassing: mevrouw wordt ontslagen uit de hoofdelijke aansprakelijkheid en verlaat de woning; haar aandeel in de bestaande polis vervalt c.q. wordt beëindigd bij de polisaanpassing.",
    "algemeen_algemeen": "Aanleiding: echtscheiding. Het huwelijk van de heer R. van den Hoek (07-11-1967) en mevrouw S. Veldhuisen (30-04-1973) is ontbonden per 03-06-2026 (beschikking rechtbank Midden-Nederland 15-05-2026, zaak C/16/603509; inschrijving burgerlijke stand 's-Gravenhage). In het getekende echtscheidingsconvenant (11-02-2026) is de echtelijke woning Westhoven 38 te Lelystad toegedeeld aan de heer Van den Hoek, onder de opschortende voorwaarde dat ING mevrouw Veldhuisen ontslaat uit de hoofdelijke aansprakelijkheid (art. 2.7 jo. 2.11). Mevrouw heeft gebruiksrecht van de woning tot uiterlijk 01-01-2027 en betaalt tot vertrek EUR 750 p/m als bijdrage in de woonlasten; notariële levering volgt binnen drie maanden na haar vertrek (art. 2.12). Er geldt een nihilbeding partneralimentatie met niet-wijzigingsbeding; er zijn geen kinderen in het convenant betrokken en pensioenverevening is uitgesloten.",
    "hypotheek_algemeen": "Verzoek: ontslag hoofdelijke aansprakelijkheid van mevrouw S. Veldhuisen voor de bestaande ING-financiering op Westhoven 38 te Lelystad en voortzetting door de heer R. van den Hoek alleen. Bestaande leningdelen (saldo-opgaven ING 18-12-2025): D 090-812655 deel 1 bankspaar EUR 225.000 (3,64%, RVP tot 01-03-2032, NHG), deel 2 aflossingsvrij EUR 100.000 (1,19%, RVP tot 01-02-2031, NHG) en L 105-949929 annuïtair EUR 34.728,60 (1,79%, RVP tot 01-04-2032, geen NHG). Totale restschuld EUR 359.728,60; gekoppeld bankspaarsaldo EUR 90.744,36 (S 157-25326, doelkapitaal EUR 225.000). Woningwaarde EUR 590.000 (ING-waardebepaling 09-09-2025, gelijk aan convenantwaarde): LTV 61%, na saldering bankspaarsaldo netto circa 46%. Per convenant vergoedt de heer Van den Hoek aan mevrouw de helft van de overwaarde en de helft van het bankspaarsaldo per leveringsdatum (indicatief EUR 115.179 + EUR 45.372 = EUR 160.551); de financieringsbehoefte hiervoor (verhoging dan wel inzet eigen middelen) wordt in de definitieve opzet uitgewerkt. Terugvalscenario per convenant art. 2.16/2.17: bij niet slagen van het ontslag wordt de woning aan een derde verkocht.",
    "hypotheek_aflossingsvorm": "De bestaande leningdelen en aflosvormen blijven ongewijzigd voortgezet (bankspaar met verpande spaarrekening, aflossingsvrij en annuïtair). Bij een eventuele verhoging voor de uitkoop wordt een annuïtair leningdeel geadviseerd in verband met fiscale aftrekbaarheid (uitkoop ex-partner = verwerving eigendomsdeel, box 1).",
    "hypotheek_geldverstrekker": "ING is de bestaande geldverstrekker van beide leningen; het verzoek betreft ontslag hoofdelijke aansprakelijkheid binnen de bestaande financiering, met behoud van de lopende condities (waaronder NHG op D 090-812655 en de lopende rentecontracten). Oversluiten naar een andere verstrekker is niet passend: dat zou de gunstige contractrentes en het bankspaarproduct (niet meer nieuw verkrijgbaar) verloren laten gaan en hogere kosten meebrengen.",
    "hypotheek_rentevastperiode": "Bestaande rentevaste periodes lopen door tot 01-02-2031 (aflossingsvrij deel), 01-03-2032 (bankspaardeel) en 01-04-2032 (annuïtair deel); tegen lage contractrentes (1,19%-3,64%) is openbreken niet in het belang van de klant. Voor een eventueel nieuw (verhogings)deel wordt de rentevastkeuze afgestemd op de gewenste lastenzekerheid van de aanvrager als alleenstaande ondernemer.",
    "hypotheek_inbreng_eigen_geld": "Het aan de hypotheek verpande bankspaarsaldo (EUR 90.744,36 per 18-12-2025) blijft conform convenant bij de aanvrager; de helft van het saldo per leveringsdatum wordt aan de ex-partner uitgekeerd. De uitkoopsom (helft overwaarde plus helft bankspaarsaldo, indicatief EUR 160.551) wordt gefinancierd uit een combinatie van verhoging van de hypotheek en/of liquiditeiten uit de onderneming; definitieve verdeling volgt in de financieringsopzet zodra de saldo-opgave per leveringsdatum beschikbaar is.",
    "hypotheek_verantwoorde_woonlasten": "De huidige bruto maandlast bedraagt EUR 1.250,68 (EUR 1.112,77 + EUR 137,91) plus EUR 331,10 bankspaarinleg. Toetsinkomen aanvrager (IB-ondernemer, eenmanszaak Van der Hoek Systeemmontage): winst uit onderneming 2022 EUR 69.053, 2023 EUR 50.376, 2024 EUR 11.834. Standaardmiddeling (gemiddelde gemaximeerd op laatste boekjaar) geeft EUR 11.834 en doet geen recht aan de bestendige verdiencapaciteit: het resultaat 2024 is incidenteel gedrukt (desinvesteringsbijtelling EUR 11.480, kleinschaligheidsinvesteringsaftrek-effecten en hogere afschrijvings-/leasekosten), terwijl de omzet zich herstelt: BTW-aangiftes 2025 tonen circa EUR 350.000 omzet (2024: EUR 219.497) en per 02-02-2026 is aanvrager tevens vennoot in V.o.f. van Leeuwen-van den Hoek (KvK 99675978, badkamerspecialist; voortzetting activiteiten in samenwerking met Badkamers Naarden), met een intern resultaat H1 2026 van EUR 124.726. Voorstel: beoordeling op basis van inkomensverklaring rekenexpert dan wel maatwerk-/beheertoets op werkelijke lasten. Geen alimentatieverplichtingen (nihilbeding); geen consumptieve BKR-verplichtingen aangetroffen; zakelijke financial lease bedrijfsauto's EUR 1.550 p/m loopt via de onderneming."
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          "f773ddae-b9df-46f5-8c47-baaf0c7256af"
        ],
        "history": [
          {
            "at": "2026-06-11T14:24:37.629Z",
            "who": "auto",
            "status": "ontvangen"
          }
        ],
        "notitie": "",
        "pairKey": "inc ... [afgekapt: 10895 tekens]

{
  "dossier_id": "ac9f9569-7085-4a56-842d-d8933d54b537",
  "key": "aanvraagproces-stukken",
  "value_json": {
    "log": [
      {
        "at": "2026-06-11T15:00:17.300Z",
        "result": "+0 stukken, 11 bestand(en) gekoppeld",
        "command": "auto-detect"
      },
      {
        "at": "2026-06-11T15:00:16.514Z",
        "result": "ontkoppeld van Bankafschrift salaris A1",
        "command": "unlink document a1021d31-30e6-4432-8186-429242928514"
      },
      {
        "at": "2026-06-11T15:00:16.417Z",
        "result": "ontkoppeld van Werkgeversverklaring A2",
        "command": "unlink document 5fcc3da9-58d4-4926-9194-4e2ffaf3d224"
      },
      {
        "at": "2026-06-11T15:00:16.320Z",
        "result": "ontkoppeld van Werkgeversverklaring A1",
        "command": "unlink document 5213f32b-8c66-456f-81d6-85234e252c6f"
      },
      {
        "at": "2026-06-11T15:00:16.231Z",
        "result": "ontkoppeld van Legitimatiebewijs aanvrager 2",
        "command": "unlink document def45453-feef-431d-955d-39de53285b92"
      },
      {
        "at": "2026-06-11T14:16:11.259Z",
        "result": "+13 stukken, 18 bestand(en) gekoppeld",
        "command": "auto-detect"
      }
    ],
    "stukken": [
      {
        "id": "1698dfce-5e41-4f4b-b578-36a2caae7837",
        "type": "id_bewijs",
        "label": "Legitimatiebewijs aanvrager 1",
        "status": "aan_te_leveren",
        "fileIds": [],
        "history": [],
        "notitie": "",
        "persoon": "a1",
        "required": true,
        "createdAt": "2026-06-11T14:16:11.259Z",
        "bevindingen": [],
        "documentLinks": []
      },
      {
        "id": "24461e0e-e87f-4eef-9926-33a0a8cf21d8",
        "type": "id_bewijs",
        "label": "Legitimatiebewijs aanvrager 2",
        "status": "aan_te_leveren",
        "fileIds": [],
        "history": [
          {
            "at": "2026-06-11T15:00:16.231Z",
            "who": "user",
            "status": "aan_te_leveren",
            "notitie": "Document ontkoppeld"
          },
          {
            "at": "2026-06-11T14:16:11.259Z",
            "who": "auto",
            "status": "ontvangen"
          }
        ],
        "notitie": "",
        "persoon": "a2",
        "required": true,
        "createdAt": "2026-06-11T14:16:11.259Z",
        "bevindingen": [],
        "documentLinks": []
      },
      {
        "id": "ddff06d8-c9e9-48e2-b018-391d56807643",
        "type": "werkgeversverklaring",
        "label": "Werkgeversverklaring A1",
        "status": "ontvangen",
        "fileIds": [
          "ed2fd427-7c6c-41e8-a2bc-96695eb34c0c",
          "14cd9195-abae-4682-8eac-262da8fe1b80"
        ],
        "history": [
          {
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            "who": "auto",
            "status": "ontvangen"
          }
        ],
        "notitie": "",
        "pairKey": "income-a1",
        "persoon": "a1",
        "required": true,
        "createdAt": "2026-06-11T14:16:11.259Z",
        "bevindingen": [],
        "documentLinks": [
          {
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            "fileId": "14cd9195-abae-4682-8eac-262da8fe1b80",
            "linkedAt": "2026-06-11T15:00:17.300Z",
            "linkedBy": "auto",
            "matchReason": "werkgeversverklaring"
          },
          {
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            "fileId": "ed2fd427-7c6c-41e8-a2bc-96695eb34c0c",
            "linkedAt": "2026-06-11T14:16:11.259Z",
            "linkedBy": "auto",
            "matchReason": "werkgeversverklaring"
          }
        ]
      },
      {
        "id": "e3c405ea-72b4-48e8-810b-49c716d00f38",
        "type": "salarisstrook",
        "label": "Salarisstrook A1",
        "status": "ontvangen",
        "fileIds": [
          "d24b8200-54b8-47de-b590-2582521bc4ff",
          "0379046e-aa53-4016-b4c5-820cad5cd687",
          "dd9a3716-51b5-43cf-a1e9-b13531409427",
          "468e3fa7-7272-4347-af6f-9c469607ed60",
          "3b0e5524-f617-493a-8624-d6cca4fff421",
          "7be4fddb-28c2-41c4-bd81-0483c1892d0a",
          "bb9cb5f6-c77e-46bf-a4c7-5c2a7a01611b",
          "f3f14022-b48a-4e58-9474-a9ae8c14ce36"
        ],
        "history": [
          {
            "at": "2026-06-11T14:16:11.259Z",
            "who": "auto",
            "status": "ontvangen"
          }
        ],
        "notitie": "",
        "pairKey": "income-a1",
        "persoon": "a1",
        "required": true,
        "createdAt": "2026-06-11T14:16:11.259Z",
        "bevindingen": [],
        "documentLinks": [
          {
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            "fileId": "f3f14022-b48a-4e58-9474-a9ae8c14ce36",
            "linkedAt": "2026-06-11T15:00:17.300Z",
            "linkedBy": "auto",
            "matchReason": "salarisstrook"
          },
          {
            "role": "primary",
            "fileId": "bb9cb5f6-c77e-46bf-a4c7-5c2a7a01611b",
            "linkedAt": "2026-06-11T14:16:11.259Z",
            "linkedBy": "auto",
            "matchReason": "salarisstrook"
          },
          {
            "role": "primary",
            "fileId": "7be4fddb-28c2-41c4-bd81-0483c1892d0a",
            "linkedAt": "2026-06-11T14:16:11.259Z",
            "linkedBy": "auto",
            "matchReason": "salarisstrook"
          },
          {
            "role": "primary",
            "fileId": "3b0e5524-f617-493a-8624-d6cca4fff421",
            "linkedAt": "2026-06-11T14:16:11.259Z",
            "linkedBy": "auto",
            "matchReason": "salarisstrook"
          },
          {
            "role": "primary",
            "fileId": "468e3fa7-7272-4347-af6f-9c469607ed60",
            "linkedAt": "2026-06-11T14:16:11.259Z",
            "linkedBy": "auto",
            "matchReason": "salarisstrook"
          },
          {
            "role": "primary",
            "fileId": "dd9a3716-51b5-43cf-a1e9-b13531409427",
            "linkedAt": "2026-06-11T14:16:11.259Z",
            "linkedBy": "auto", ... [afgekapt: 9922 tekens]

{
  "dossier_id": "009b5118-80f0-4b2a-a476-6224e9099fd9",
  "key": "berekeningen_v1",
  "value_json": {
    "version": 1,
    "updatedAt": "2026-06-11T14:59:29.265Z",
    "calculations": [
      {
        "id": "calc-fb0e123a-108a-4ec8-b92d-fe3c8216e66d",
        "title": "Aankoop bestaande bouw (automatisch klaargezet)",
        "source": "generated",
        "status": "draft",
        "purpose": "aankoop_bestaande_bouw",
        "summary": "Automatisch klaargezet op basis van dossierdata; controleer de invoer voor gebruik.",
        "createdAt": "2026-06-11T14:59:29.265Z",
        "dossierId": "009b5118-80f0-4b2a-a476-6224e9099fd9",
        "updatedAt": "2026-06-11T14:59:29.265Z",
        "proposalIds": [
          "proposal-d18d1d45-2b26-4e07-97e1-d06fbef17fde"
        ],
        "applicantScope": "joint",
        "selectedProposalId": "proposal-d18d1d45-2b26-4e07-97e1-d06fbef17fde"
      }
    ],
    "activeCalculationId": "calc-fb0e123a-108a-4ec8-b92d-fe3c8216e66d"
  },
  "updated_at": 1781189970828
}

{
  "dossier_id": "2f118f6f-05da-462f-8d39-dd947dbdb1fd",
  "key": "orv",
  "value_json": {
    "eerste": {
      "leeftijd": "",
      "inkomenNu": "",
      "inkomenPensioen": "",
      "percentageWerken": "",
      "inkomenTussentijds": ""
    },
    "tweede": {
      "leeftijd": "",
      "inkomenNu": "",
      "inkomenPensioen": "",
      "percentageWerken": "",
      "inkomenTussentijds": ""
    },
    "polissen": [
      {
        "id": "orv-adviesbox-a1",
        "roker": false,
        "soort": "Annuïtair dalend",
        "status": "voorstel",
        "verpand": false,
        "einddatum": "01-06-2056",
        "verzekerde": "A1",
        "polisnummer": "",
        "productnaam": "Overlijdensrisicoverzekering",
        "toelichting": "Geïmporteerd uit Adviesbox-advies.",
        "begunstiging": "Geldverstrekker",
        "ingangsdatum": "01-06-2026",
        "looptijdJaar": "30",
        "maatschappij": "Dazure",
        "premiePerMaand": "12,11",
        "verzekerdKapitaal": "197000"
      },
      {
        "id": "orv-adviesbox-a2",
        "roker": false,
        "soort": "Annuïtair dalend",
        "status": "voorstel",
        "verpand": false,
        "einddatum": "01-06-2056",
        "verzekerde": "A2",
        "polisnummer": "",
        "productnaam": "Overlijdensrisicoverzekering",
        "toelichting": "Geïmporteerd uit Adviesbox-advies.",
        "begunstiging": "Geldverstrekker",
        "ingangsdatum": "01-06-2026",
        "looptijdJaar": "30",
        "maatschappij": "Dazure",
        "premiePerMaand": "0,00",
        "verzekerdKapitaal": "197000"
      }
    ],
    "maandlast": "",
    "relatievorm": "",
    "kinderenLeeftijd": "",
    "hoofdsomHypotheek": "",
    "acceptatieprobleem": "",
    "bestaandeOrvNabestaande": ""
  },
  "updated_at": 1781187212413
}

{
  "dossier_id": "2f118f6f-05da-462f-8d39-dd947dbdb1fd",
  "key": "hypotheek-algemeen",
  "value_json": {
    "eerste": {
      "huidigToetsinkomen": "€ 68.846",
      "pensioenToetsinkomen": "",
      "huidigToetsinkomenBron": "A1: inc1 (geen primaire inkomensbron gekozen in Inventarisatie) / inc1.salaris.basisloon_periode + vakantiegeld",
      "huidigNettoMaandinkomen": "",
      "huidigToetsinkomenAnalyse": "Bronselectie: A1: inc1 (geen primaire inkomensbron gekozen in Inventarisatie).\n12 x € 3.184 plus € 30.638 vakantiegeld = € 68.846. Bronpad: inc1.salaris.basisloon_periode + vakantiegeld.",
      "pensioenNettoMaandinkomen": "",
      "pensioenToetsinkomenAnalyse": "Geen pensioeninkomen gevonden in inventarisatie.",
      "huidigNettoMaandinkomenAnalyse": "Niet automatisch berekend: netto maandinkomen vereist salarisstrookregels met betalingen en inhoudingen.",
      "pensioenNettoMaandinkomenAnalyse": "Niet automatisch berekend: netto pensioeninkomen vereist bruto-netto regels of pensioenopgave."
    },
    "tweede": {
      "huidigToetsinkomen": "€ 41.265",
      "pensioenToetsinkomen": "",
      "huidigToetsinkomenBron": "A2: inc2 (geen primaire inkomensbron gekozen in Inventarisatie) / inc2.salaris.jaarloon_bt",
      "huidigNettoMaandinkomen": "",
      "huidigToetsinkomenAnalyse": "Bronselectie: A2: inc2 (geen primaire inkomensbron gekozen in Inventarisatie).\nJaarloon BT uit salarisstrook: € 41.265. Bronpad: inc2.salaris.jaarloon_bt.",
      "pensioenNettoMaandinkomen": "",
      "pensioenToetsinkomenAnalyse": "Geen pensioeninkomen gevonden in inventarisatie.",
      "huidigNettoMaandinkomenAnalyse": "Niet automatisch berekend: netto maandinkomen vereist salarisstrookregels met betalingen en inhoudingen.",
      "pensioenNettoMaandinkomenAnalyse": "Niet automatisch berekend: netto pensioeninkomen vereist bruto-netto regels of pensioenopgave."
    },
    "bijleen": {
      "analyse": "",
      "woningen": [],
      "totaleEigenwoningreserve": ""
    },
    "maxHypotheek": {
      "bank": "",
      "rente": "4,05%",
      "analyse": "Toetsinkomen dossier: € 82.530 (beide inkomens).\nRentevast 10 jaar; werkelijke rente 4,05% wordt als toetsrente gebruikt (geen 5%-vloer want >=10 jr vast); looptijd 30 jaar.\nMaximale hypotheek € 390.910 (inkomenstoets, begrensd door 100% LTV op € 401.000). Geadviseerde € 391.000 past.",
      "flTabel": [
        {
          "bron": "norm ontbreekt — refdata importeren",
          "renteTot": "",
          "inkomenTot": "",
          "percentage": "",
          "renteVanaf": "",
          "inkomenVanaf": ""
        }
      ],
      "koopsom": "401.000",
      "box3Deel": "",
      "situaties": [
        {
          "label": "Nu",
          "vanaf": "mei 2026",
          "aowStatus": "Niet-AOW",
          "toetsinkomen": "104.263",
          "financieringslastPercentage": "27,3%"
        },
        {
          "label": "Na AOW (1e)",
          "vanaf": "feb 2030",
          "aowStatus": "Niet-AOW",
          "toetsinkomen": "82.208",
          "financieringslastPercentage": "26,4%"
        },
        {
          "label": "Na AOW (beide)",
          "vanaf": "mei 2038",
          "aowStatus": "AOW",
          "toetsinkomen": "76.501",
          "financieringslastPercentage": "36,1%"
        }
      ],
      "toetsrente": "4,05%",
      "leningdelen": [],
      "ltvMaximaal": "€ 0",
      "box1Maximaal": "",
      "offerteRente": "",
      "woningwaarde": "401.000",
      "aankoopkosten": "",
      "eigenMiddelen": "",
      "looptijdJaren": "30",
      "rentevastJaren": "10",
      "offerteHoofdsom": "",
      "offerteLooptijd": "",
      "kredietlimietBkr": "0",
      "gewensteHypotheek": "376.000",
      "ltvNormPercentage": "100%",
      "maximaleHypotheek": "€ 390.910",
      "offerteLeningdelen": "",
      "toegestaneJaarlast": "€ 22.531",
      "toetsinkomenTotaal": "€ 82.530",
      "toegestaneMaandlast": "€ 1.878",
      "erfpachtcanonPerJaar": "0",
      "studiewegingPercentage": "0,35%",
      "kredietWegingPercentage": "2,00%",
      "offerteRentevastperiode": "",
      "benodigdeHypotheekHoofdsom": "376.000",
      "partneralimentatiePerMaand": "0",
      "studieschuldOorspronkelijk": "0",
      "extraLeenruimteEnergielabel": "0",
      "financieringslastPercentage": "27,3%",
      "overigeVerplichtingenPerMaand": "",
      "werkelijkeBrutoMaandlastVoorstel": "1.806"
    }
  },
  "updated_at": 1781187189429
}

{
  "dossier_id": "2f118f6f-05da-462f-8d39-dd947dbdb1fd",
  "key": "advies-motivering",
  "value_json": {},
  "updated_at": 1781187138909
}

{
  "dossier_id": "2f118f6f-05da-462f-8d39-dd947dbdb1fd",
  "key": "advies-onderwerpen",
  "value_json": {},
  "updated_at": 1781187138715
}

{
  "dossier_id": "4f8bd6a0-aa1a-426b-bd44-693f19213fb5",
  "key": "hdn_process_status",
  "value_json": {
    "current": {
      "overall": {
        "fase": "Bindende offerte verzonden",
        "kind": "lopend",
        "rente": null,
        "bedrag": null,
        "ordinal": 35,
        "peilDatum": null,
        "threadKey": "chain:3285927",
        "statusCode": "23",
        "statusLabel": "23 Bindende offerte verzonden",
        "threadLabel": "Kenmerk ISW-511F5DC5-4426-4ED5-9ADC-81E2D5312EDA",
        "suggestStatus": "bindende_offerte",
        "uiterstePasseerDatum": null,
        "dossierUitersteAanleverDatum": null
      },
      "products": [
        {
          "fase": "Bindende offerte verzonden",
          "kind": "lopend",
          "rente": null,
          "bedrag": null,
          "ordinal": 35,
          "peilDatum": null,
          "threadKey": "chain:3285927",
          "statusCode": "23",
          "statusLabel": "23 Bindende offerte verzonden",
          "threadLabel": "Kenmerk ISW-511F5DC5-4426-4ED5-9ADC-81E2D5312EDA",
          "suggestStatus": "bindende_offerte",
          "uiterstePasseerDatum": null,
          "dossierUitersteAanleverDatum": null
        }
      ],
      "derivedAt": "2026-06-11T12:55:19.269Z",
      "properties": []
    },
    "history": [
      {
        "at": "2026-06-05T14:51:51.857Z",
        "overallCode": null,
        "overallFase": null
      },
      {
        "at": "2026-06-11T05:25:39.522Z",
        "overallCode": "23",
        "overallFase": "Bindende offerte verzonden"
      }
    ]
  },
  "updated_at": 1781182519294
}

{
  "dossier_id": "4f8bd6a0-aa1a-426b-bd44-693f19213fb5",
  "key": "hdn_refs",
  "value_json": {
    "schema": "adviestool.hdn_refs",
    "version": 1,
    "updatedAt": "2026-06-11T12:55:19.211Z",
    "references": [
      {
        "source": "hdn_download",
        "kenmerk": "3285927",
        "fileNames": [
          "HDN_DA_00001245250.xml",
          "HDN_SX_00001245245.xml",
          "HDN_DA_00001243500 (1).xml",
          "HDN_DA_00001243500.xml"
        ],
        "lastSeenAt": "2026-06-11T12:55:19.211Z",
        "messageIds": [
          "DA:00001245250:HDN_DA_00001245250.xml",
          "SX:00001245245:HDN_SX_00001245245.xml",
          "DA:00001243500:HDN_DA_00001243500 (1).xml",
          "DA:00001243500:HDN_DA_00001243500.xml"
        ],
        "firstSeenAt": "2026-06-11T09:14:16.644Z"
      },
      {
        "source": "hdn_download",
        "kenmerk": "ISW-511F5DC5-4426-4ED5-9ADC-81E2D5312EDA",
        "fileNames": [
          "HDN_DA_00001245250.xml",
          "HDN_SX_00001245245.xml",
          "HDN_DA_00001243500 (1).xml",
          "HDN_DA_00001243500.xml"
        ],
        "lastSeenAt": "2026-06-11T12:55:19.211Z",
        "messageIds": [
          "DA:00001245250:HDN_DA_00001245250.xml",
          "SX:00001245245:HDN_SX_00001245245.xml",
          "DA:00001243500:HDN_DA_00001243500 (1).xml",
          "DA:00001243500:HDN_DA_00001243500.xml"
        ],
        "firstSeenAt": "2026-06-11T09:14:16.644Z"
      }
    ]
  },
  "updated_at": 1781182519211
}

{
  "dossier_id": "4f8bd6a0-aa1a-426b-bd44-693f19213fb5",
  "key": "hdn_download_inbox",
  "value_json": {
    "schema": "adviestool.hdn_downloads",
    "threads": [
      {
        "offer": null,
        "documents": [
          {
            "status": "06 Voorlopig akkoord",
            "document": "een getekende koopakte",
            "statusDatum": "2021-10-12",
            "documentMijNr": "15651633",
            "aanlevermoment": null
          },
          {
            "status": "06 Voorlopig akkoord",
            "document": "een brief van de aanbieder van de huidige lening waarin staat hoeveel er op dit moment nog moet worden terugbetaald",
            "statusDatum": "2021-10-12",
            "documentMijNr": "15651634",
            "aanlevermoment": null
          },
          {
            "status": "Niet meer van toepassing",
            "document": "een bewijs dat u eigen geld heeft",
            "statusDatum": "2021-10-12",
            "documentMijNr": "15651635",
            "aanlevermoment": null
          },
          {
            "status": "06 Voorlopig akkoord",
            "document": "een werkgeversverklaring met handtekening van de werkgever van de heer G. Koyuncu. De verklaring moet voldoen aan de regels van de Nationale Hypotheek Garantie",
            "statusDatum": "2021-10-12",
            "documentMijNr": "15651636",
            "aanlevermoment": null
          },
          {
            "status": "06 Voorlopig akkoord",
            "document": "een werkgeversverklaring met handtekening van de werkgever van mevrouw I. Koyuncu. De verklaring moet voldoen aan de regels van de Nationale Hypotheek Garantie",
            "statusDatum": "2021-10-12",
            "documentMijNr": "15651637",
            "aanlevermoment": null
          },
          {
            "status": "Niet meer van toepassing",
            "document": "een overzicht waarin staat waar het eigen geld vandaan komt",
            "statusDatum": "2021-10-12",
            "documentMijNr": "15651638",
            "aanlevermoment": null
          },
          {
            "status": "06 Voorlopig akkoord",
            "document": "bewijs dat de dubbele lasten betaald kunnen worden gedurende de periode dat de woning nog niet is overgedragen",
            "statusDatum": "2021-10-12",
            "documentMijNr": "15651639",
            "aanlevermoment": null
          },
          {
            "status": "06 Voorlopig akkoord",
            "document": "kopie van de voor- en achterkant van een geldig legitimatiebewijs (geen rijbewijs) van de heer G. Koyuncu. De foto moet zichtbaar zijn en er moet een handtekening met \"voor gezien...",
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            "status": "06 Voorlopig akkoord",
            "document": "kopie van de voor- en achterkant van een geldig legitimatiebewijs (geen rijbewijs) van mevrouw I. Koyuncu. De foto moet zichtbaar zijn en er moet een handtekening met \"voor gezien...",
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          },
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            "status": "06 Voorlopig akkoord",
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          },
          {
            "status": "06 Voorlopig akkoord",
            "document": "een kopie van de meest recente salarisstrook van mevrouw I. Koyuncu. Het BSN mag niet zichtbaar zijn",
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          },
          {
            "status": "06 Voorlopig akkoord",
            "document": "een kopie van de verkoopakte inclusief bijlagen van de huidige woning. De kopers en verkopers moeten deze akte allebei ondertekenen",
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            "aanlevermoment": null
          },
          {
            "status": "Niet meer van toepassing",
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            "aanlevermoment": null
          },
          {
            "status": "06 Voorlopig akkoord",
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          },
          {
            "status": "06 Voorlopig akkoord",
            "document": "het getekende renteaanbod",
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            "aanlevermoment": null
          },
          {
            "status": "06 Voorlopig akkoord",
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}