With ABN AMRO you can, either in an appealing selection of stocks, investment finds and ETFs (Basic) or in a wide range of instruments including complex investment products (Plus). With ABN AMRO you can, either in an appealing selection of stocks, investment finds and ETFs (Basic) or in a wide range of instruments including complex investment products (Plus). Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2022 and get instant information on how much you can borrow. Calculating your loan will give you an idea of how much you can borrow and what it will cost you. Buy a house. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2022 and get instant information on how much you can borrow. But we do have a partnership with Nationale-Nederlanden. In 2023, the maximum amount for an NHG-backed mortgage for existing and new-build properties is € 405,000 . Our mortgage calculator is the first step to answer this quesion. Mortgage calculator; Mortgage interest rate; Make an appointment; Mortgage with advice; Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Details of your marital status: Marital conditions (also for registered partners with conditions). is covered by the deposit insurance scheme, which means that any savings you have deposited with ABN AMRO Bank, ABN AMRO MeesPierson and MoneYou are consolidated. Log in, click ‘Self service’ and find your loan under ‘Your products’ at the bottom of the page. Carriere. If you think this is the mortgage for you, make an appointment with one of ABN AMRO’s advisers. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. This can be income from employment, your benefits, your pension, income from your own business or income from rental activities. m. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2022 and get instant information on how much you can borrow. Find out how we can help. Additional repayments made on Internet Banking or in the ABN AMRO app will be debited from your current account immediately. No need to supply the energy label yourself. Exclusive ABN AMRO socks to banish cold feet forever. Your current account is part of a payment package. Treat this tool carefully. What does it cost to take out a loan? You can calculate what. If you are planning to sell your home, a valid registered energy label is mandatory. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. No need to visit your branch or call us. Calculate your maximum loan amount based on your income. This lets you see well away instructions much you can borrow from. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2022 and get instant information on how much you can borrow. 951. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Damage to your home. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. In the ABN AMRO app, click ‘Self-service’ and then your ABN AMRO mortgage. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Bram Vendel is an economist and data scientist at ABN AMRO’s Group Economics department, where he has been working since 2023. For 5 policies, you get a 5% discount. 20%. More about bundle discount. If you are planning to buy a home and would like to know the maximum mortgage you can afford, you can calculate how much you can. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. personal Mortgages Just moved to the Netherlands and looking for a home to buy? We’ll help you along, step by step. The maximum amount that you can borrow to buy a house is lower with an income in a foreign currency than with an income in euros. Changes to your investment type in the area of sustainable investing. 3. Now is a good time to check if your insurance cover is ready for winter. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Take a look at the current interest rates. 2 Specific advice is advice on a new or existing mortgage. 2. If you’re not a medical student, check out the student account. A lot of employers of expats help their employees find a home to rent and make the necessary immigration arrangements, such as requesting a Dutch personal ID number (BSN). 0% and 8. You can, of course, also ask an independent adviser or see if you can take out. Additional repayments made on Internet Banking or in the ABN AMRO app will be debited from your current account immediately. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Discount throughout the rest of your fixed-rate period. 0%. Loan. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Open Fixed Costs. All about future income. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Or take out this mortgage yourself, without advice. The term of a personal loan ranges between 12 months and 144 months. We would like to help you in the transition to a better, sustainable society, of course without losing sight of your personal. Discount on your mortgage interest Client discount of up to 0. Every year, you can pay back part of your mortgage without having to pay a fee. Annuity mortgages explained. EN; NL;. These updates to the login screen and account overview have made the ABN AMRO app more personal and user-friendly. And then change your mortgage yourself. Open this tab. Loan. The handling fee for making a change to an existing mortgage using Internet Banking is €100. Enter your details and receive a loan quote with no strings attached (you have 30 days to consider our offer). Find out more. insurance. In that bar, next to ‘in progress and rejected’ and ‘Future’, you will find the tab ‘Fixed Costs’. If you have an ABN AMRO bank account and you want to start an online mortgage application, all you need to do is follow this four-step plan. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. 2% if you have an ABN AMRO payment package. If you are making an additional repayment by transfer, it will take 3 working days for the repayment to be processed. Read everything there is to know about mortgages and the. With our interest-only mortgage, you pay only mortgage interest each month; you don’t make any repayments. 2. The minimum amount for additional monthly mortgage repayments is € 25. Costs and profit. More about bundle discount. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. m. 1. You will receive a discount on your mortgage interest rate if you buy a home with energy label A or B or if you buy a newly built home. an ABN AMRO customer discount of 0. What can I expect of the Mortgage Calculator Netherlands? You probably have seen mortgage calculators from. Self-directed Investing Basic or Self-directed Investing Plus. personal. g. mortgages. This lets you see right away how much you can borrow from ABN AMRO and what your monthly repayments will be. Private Banking contact. With 3 or more ABN AMRO insurances, you will receive up to 5% bundle discount. During our free events we will give you all of the information. When taking out your mortgage yourself, it is mandatory to take the Knowledge and Experience Test. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. The videos below show how to accept or reject this compensation offer. No need to visit your branch or call us. - The account number that we have direct debited until now. 25 years the expert in expats. Compare our mortgages and find out which one suits you best. Your mortgage, including the costs for the construction or renovation of your home is not allowed to exceed 100% of the value of your home after renovation. This type of mortgage usually entitles you to the. either by post or in a message on Internet Banking or in the ABN AMRO app. If the home has an energy label A or B, you can borrow more, up to 80% of the market value when let. funds from your savings account. 34% of Dutch households do so. Choose the loan part for which you want to make an additional repayment. 20%. Your mortgage, including the costs for the construction or renovation of your home is not allowed to exceed 100% of the value of your home after renovation. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. We also offer different repayment options for you to choose from, including repayment as a Level-Payment Mortgage, Straight-Line Mortgage or an Interest-Only Mortgage. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Calculate your premium and. If you are planning to sell your home, a valid registered energy label is mandatory. For a mortgage shortfall loan with NHG cover, the term may be longer. The tool is available in English and especially for expats. For buyers 35 and older, a transfer tax of 2% applies, while non-primary residence buyers face a higher rate of 10. Interest rate discount of up to. Get the Winter-Proof Home Pack and a 20% discount. If you want to borrow money for a major purchase, such. All of ABN AMRO’s insurances at a glance. Including debit card for € 2. You can choose the term yourself. 9% - 9. Get the Winter-Proof Home Pack and a 20% discount. from € 50,000 to € 75,000. Alternatively, they can ask the HR department to help expats find a rental property or. Calculate how much you can afford to borrow and find out which loan would suit you best. Mortgage calculator; Mortgage interest rate; Make an appointment; Mortgage with advice; Mortgage without advice; Mortgage for rental property; All about mortgages; Mortgage types;. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. 2 Specific advice is advice on a new or existing mortgage. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. This is what we refer to as the fee-free allowance. Repay amounts of up to €50,000 using iDEAL, in the same way as you pay for your purchases online. The last step when buying a home is to file your tax return. We help you to settle your claims quickly so that you can be comfortable in your home again. ), the maximum amount you can borrow is 75% of the market value when let. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Our mortgage calculator is the first step to answer this quesion. Your current account is part of a payment package. loans. Choose the loan part for which you want to make an additional repayment. Please note: this Dutch mortgage calculator for 2023 gives you an indication of your maximum mortgage. How advice works. When energy-efficiency measures are included in the mortgage, the limit is even higher: € 429,300 . Compared to people in other countries, the Dutch are less likely to have a borrow money. You can currently take out one Mortgage for rental property with ABN AMRO. and 5 p. Expat mortgage specialists in the Netherlands Licensed by AFM #12049636ABN AMRO corporate websiteMake an appointment. More information . 9%. Select the video. With 3 or more ABN AMRO insurances, you will receive up to 5% bundle discount. This discount is what we call the ‘client discount’. € 697,41. 100% of your average income from paid employment and self-employment over the past 3 years (as long as your current income matches the. You can change the name, photos and order of your overview on the screen that appears. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. De pagina die u zoekt is niet meer beschikbaar. Your new monthly mortgage. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. That's why at ABN AMRO we don't make things more difficult for you than they are. If you’d prefer to go to your own repair shop, you can. You get a discount on the mortgage interest rate if your monthly income is paid into an ABN AMRO current account. Advice future income. You can calculate your personal loan online and see the interest on the loan right away. Buying a house involves a lot of work, but don’t worry. 1. You can also finance part of the purchase price with a loan. Apart from interest, there will be no additional cost. The Mortgage for rental property has a long term of a maximum of 30 years. Terug. You no longer have to pledge your term life insurance to ABN AMRO for your NHG-backed mortgage. The annual percentage rate (APR) expresses all costs associated with the loan. The lower loan balance will appear in your overview as quickly as the next day. Dit kan te maken hebben met het volgende: Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. If you intend to implement energy-saving measures at the property, you can borrow up to a maximum of. If the home has an energy label A or B, you can borrow more, up to 80% of the market value when let. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. The job cuts are unrelated to the 17,000 layoffs announced by Citigroup earlier this week. Valuation fees. Your interest rate should have followed these movements. De pagina die u zoekt is niet meer beschikbaar. The ABN AMRO app: quick balance checking, secure transfers or payments using iDEAL and doing more and more yourself, like blocking your card. Mortgage calculator. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. An ABN AMRO mortgage shortfall loan has a maximum term of 15 years. That way, you can discuss your maximum mortgage and your potential offer right away. Theft or vandalism of art, antiques and collections: insured up to €75,000. What does it cost to take out a loan? You can calculate what your loan will cost using our loan calculator. Sustainability discount. personal. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Make an appointment. If you take out two or more home insurance policies now, you will get the Winter-Proof Home Pack, which contains: A lovely soft, unique ABN AMRO sofa blanket. Your valuable household effects extra insured with the Theft cover for valuable home contents. The ABN AMRO app: quick balance checking, secure transfers or payments using iDEAL and doing more and more yourself, like blocking your card. com gift voucher with your Medical Student Package. This rate is subject to change. abnamro. Compared to people in other countries, the Dutch are less likely to have a borrow money. Skip to content Team; How we work; Stories; Insights; Events; Calculator; FAQ; Vacancies; Pricing; Events; T:+31 (0)20 7173908 M:[email protected] our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. This means that damage to your home or belongings due to a renovation is not insured. The annual percentage rate (APR) expresses all costs associated with the loan. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Make a free appointment for a no-obligation orientation meeting at one of our branches, at home, or through Video Banking. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Personal assistance if you need to make a claim. specially for. If you opt for a different type of mortgage, the monthly payment will change; a fixed-rate period of 10 years with the corresponding interest rate at the moment. Reflecting investors' waning interest in home rentals, the subdued outlook for economic growth and recent sharp house price falls, we have revised our 2023 estimate downwards from -2. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Your total balance under the ABN AMRO license is € 102,000 and is therefore not fully covered by the Dutch deposit guarantee scheme. That includes your home, belongings, car and a well-earned holiday. 4%. Calculate your maximum mortgage and monthly payment yourself. For 4 policies, you get a 4% discount. The process of buying a home in the Netherlands may be different from the process you’re used to. We assume that you either already have a current account with us or will open one. 3 Your mortgage must be in keeping with your financial situation and your wishes 1. If you know a lot about mortgages, you may be able to arrange your mortgage yourself in some cases, without advice. You can save your calculation in your secure personal environment, so you always have it to hand during your. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Contact. Take care of your banking 24/7 with the ABN AMRO app and Internet Banking. Arrange a mortgage. From. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Home. In 2024, we believe house prices will continue to fall by 4%, mainly due to the so-called spillover effect. Mortgage calculator; Mortgage interest rate; Make an appointment; Mortgage with advice; Mortgage without advice; Mortgage for rental property; All about mortgages; Mortgage types;Toelichting: 1 The handling fee for making a change to an existing mortgage in consultation with an adviser is €250. A competitive interest rate and no surprises. Theft of jewellery and watches: insured up to €10,000. This discount is what we call the ‘client discount’. Make a free appointment for a no-obligation orientation meeting at one of our branches, at home, or through Video Banking. ‘My Mortgage’ is a secure environment where you can view and change your mortgage. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Annually will summarize payments and balances by year. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Apply online in three easy steps. If you renovate your home to energy label A or B and you register the energy label with the Dutch government within 24 months of the start of your fixed-rate. Whether you’re a student or a specialist, you can always count on our team of advisers. As an expat, you may face additional challenges in getting a mortgage, particularly if you are new to your job or self-employed. First check on Internet Banking or in the Mobile Banking app what options you have and how they affect your monthly payment. €15 per month, per current account. You have sufficient time and knowledge. With a lower energy label (C, D, etc. If you are buying a home with a valid registered energy label. Home. These costs amount to around 2 to 3% of the property’s purchase price. You also. The Beleggers Spaarrekening is an ABN AMRO Bank N. Or take out this mortgage yourself, without advice. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Start your mortgage application online. Keep reading or make an appointment with one of ABN AMRO’s mortgage advisers. 1. A mortgage is a loan. During this consultation, you and our adviser discuss the housing market in the Netherlands, the process, your options and your preferences. ABN AMRO corporate website. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. It comes with attractive terms & conditions and a competitive interest rate. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Benefits of insurances - ABN AMRO. Private Banking contact. Calculating your loan will give you an idea of how much you can borrow and what it will cost you. ABN AMRO reports that in spite of inflationary pressures and higher interest rates - demand for residential mortgages has continued to remain strong, following several quarters of decreases for. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Including debit card for € 2. Make a mortgage appointment. ( 1-800-667-8424) TTY: We accept 711 or other relay service. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Personal loans. Free orientation consult. If you are, this means even greater security for you, as well as potentially lower monthly ABN AMRO mortgage costs. Mobile Banking. NL. Calculate your loan. Your Home Expert is here to help you, and check our step-by-step plan. Make your own investment choices. An example of deliberate risk-taking is playing football with glasses on. If you are planning to buy a home and would like to know the maximum mortgage you can afford, you can calculate how much you can borrow from ABN AMRO. Carriere. We also offer different repayment options for you to choose from, including repayment as a Level-Payment Mortgage, Straight-Line Mortgage or an Interest-Only Mortgage. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. Banks have different requirements, but these are some general conditions: Lived in. The term will then depend on the maximum monthly mortgage costs you can afford. You pay a fixed amount every month and determine the loan term yourself. This will allow your adviser to prepare a mortgage offer for you right away, which will save time in your mortgage consultation. We are available from Monday to Friday between 9 a. Banks have different requirements, but these are some general conditions: Lived in. At ABN AMRO, making additional repayments is easy to do online. Extra competitive interest rate. You pay a fixed amount every month and determine the loan term yourself. With ABN AMRO’s Linear Mortgage, your net monthly mortgage costs will decrease over time. In 2024,. Apply for a loan, see the details or make additional repayments: you can easily arrange a lot yourself online. Future income. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2022 and get instant information on how much you can borrow. You can save your calculation in your secure personal environment, so you always have it to hand during your consultation or an advisory session. Do you want to lower your monthly mortgage costs, lower your mortgage debt and pay less. Report amortization. Buying a house has its advantages compared to renting a house, but it has some. Savings or mortgage: ABN AMRO’s home advisers know how you could finance sustainable home improvements. For a mortgage shortfall loan with NHG cover, the term may be longer. Overview of all interest rates of ABN. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Your pension provider will send you a Uniform Pension Statement every year. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. The meeting to discuss your mortgage is in. On the next working day, you will see on your loan overview page that your outstanding debt has gone down. 5 Why are examples provided in these conditions? 1. Request a no-obligations offer. nl (in Dutch). In the unusual situations we have seen over the past period, savings interest rates may drop to (nearly) zero or even below zero. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. And 'Fixed Costs' offers insight into your monthly fixed costs and subscriptions. Request a no-obligations offer. If you would like to know what is possible for you, make a free appointment for a no-obligation orientation meeting at one of our branches, at home or via video banking. Research. 55%. 100% of your average income from paid employment and self-employment over the past 3 years (as long as your current income matches the. This exemption can increase your borrowing capacity. Everything under one roof. Details of your income from a state pension, early retirement, (pre-)pension. Before having damage repaired by your own repair shop, please call ABN AMRO Verzekeringen on +31 (0)38 49 67 123 (Monday to. Take a look at all the benefits. We provide products and advice on payments, savings, insurance, credit cards, mortgages, loans and investments. As an expat, you may face additional challenges in getting a mortgage, particularly if you are new to your job or self-employed. ABN AMRO corporate website. Read all about the borrowing conditions below. You can no longer take out term life insurance through ABN AMRO. Step by step guidance by a mortgage adviser. Curious about your options for buying a home? Calculate your mortgage and you’ll know in just two minutes how much you can borrow, and how. g. Click ‘Wealth Dashboard’ (the button is top-right on Internet Banking, and. Our expat mortgage calculator can help you determine your mortgage capabilities and interest rates for a home loan in the Netherlands. You can. Toelichting: 1 The handling fee for making a change to an existing mortgage in consultation with an adviser is €250. Whether they use the money for their studies, to go travelling, or to get a driving licence, it will definitely be money well spent. However, your maximum mortgage is 106% of the value of your home if. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Research. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. When you apply for a loan, we always look carefully at your personal situation, including your income, your spending and your living situation. ABN AMRO offers favourable borrowing conditions. Your salary is paid into an ABN AMRO current account You buy a new-build or energy-efficient home If you meet both conditions, you will receive a 0. Start your application. Enter your details and receive a loan quote with no strings attached (you have 30 days to consider our offer). Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. personal. 62%. The fee for an additional debit card will cost €1. Curious about your options for buying a home? Calculate your mortgage and you’ll know in just two minutes how much you can borrow, and how much you’d be paying every month. An ABN AMRO mortgage shortfall loan has a maximum term of 15 years. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. You pay interest on top of the amount you have borrowed. 75% of your income from self-employment in the previous calendar year (or the prognosis if it is lower). There. Your current account is part of a payment package. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. 1 - 2 years. You can do so at ABN AMRO by first opening a current account with us. Welcome to ABN AMRO! We will be happy to help you get started so you can manage your day-to-day banking faster and more easily. At ABN AMRO, you can choose between two mortgage options: the Budget Mortgage (Budget Hypotheek) and the Home Mortgage (Woning Hypotheek). Mortgages under € 405,000 are calculated using the National Mortgage Guarantee (NHG) interest rate. Do you want to change your mortgage or take out a new one? At ABN AMRO, you can choose from different types of mortgages with attractive interest rates and flexible terms. Simple online application process. Approximately 1,700 positions will be eliminatedKeep reading or make an appointment with one of ABN AMRO’s mortgage advisers. You will also get advice on how to eliminate or reduce those risks. 5.