{"id":1859,"date":"2022-10-18T09:29:16","date_gmt":"2022-10-18T09:29:16","guid":{"rendered":"https:\/\/vcbbank.sr\/?page_id=1859"},"modified":"2025-08-30T14:05:08","modified_gmt":"2025-08-30T14:05:08","slug":"basic-care-loan","status":"publish","type":"page","link":"https:\/\/vcbbank.sr\/en\/basic-care-loan\/","title":{"rendered":"Basic Care Loan"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1859\" class=\"elementor elementor-1859 elementor-733\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78660d33 e-flex e-con-boxed e-con e-parent\" data-id=\"78660d33\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57cf94a e-flex e-con-boxed e-con e-parent\" data-id=\"57cf94a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ed6e0d1 e-con-full e-flex e-con e-child\" data-id=\"ed6e0d1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-17ddd7ee elementor-widget elementor-widget-text-editor\" data-id=\"17ddd7ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>From the Healthcare Facilities Fund (ZVF), you can borrow money at a low interest rate of 2% to pay for the additional costs of basic health insurance. This fund is managed by the Basic Care Implementation Agency, and the administration is handled by VCB Bank.<\/p><p><strong>WHAT CAN YOU USE THE HEALTHCARE FACILITIES FUND FOR?<\/strong><\/p><p>When receiving care, you sometimes need to make a personal contribution. You usually don&#8217;t have this money readily available. This is where the Healthcare Facilities Fund comes in!<\/p><p>For example, if you need to pay extra for an operation, expensive medication, or glasses, and your insurance doesn&#8217;t cover all costs and you&#8217;re unable to pay the personal contribution immediately, you can borrow from the ZVF. You can also borrow from the ZVF to pay overdue premiums or to pay the annual premium in advance.<\/p><p><strong>ADVANTAGES OF THE HEALTHCARE FACILITIES FUND<\/strong><\/p><ul><li>Very low interest rate of 2% per year;<\/li><li>Repayment not more than 10% of net monthly income;<\/li><li>Repayment period is maximum 10 years;<\/li><li>Debt forgiveness in case of death;<\/li><li>Direct payment to healthcare provider;<\/li><li>Care is guaranteed.<\/li><\/ul><div> <\/div><p><strong>WHAT ARE THE CONDITIONS?<\/strong><\/p><ul><li>Ability to repay the loan;<\/li><li>Have a steady income or guarantor;<\/li><li>Self-employed: income overview of the past 3 months;<\/li><li>Have at least basic health insurance;<\/li><li>Invoice from the service provider;<\/li><li>Letter regarding the health insurer&#8217;s contribution.<\/li><\/ul><div> <\/div><p><strong>HOW DOES THE HEALTHCARE FACILITIES FUND WORK?<\/strong><\/p><p>Because we insure ourselves as a society, we all pay premiums together. The Health Insurers deposit 3% of the premium we pay into the Healthcare Facilities Fund.<\/p><p>Fill out this application form to be eligible for a loan from the Healthcare Facilities Fund. You can borrow from this fund if you can&#8217;t immediately pay the extra costs for, for example, your operation or medications. Borrow from the fund at a low interest rate of only 2% per year!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-377e40b e-con-full e-flex e-con e-child\" data-id=\"377e40b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0878f47 elementor-widget elementor-widget-image\" data-id=\"0878f47\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"619\" src=\"https:\/\/vcbbank.sr\/wp-content\/uploads\/2025\/08\/BASISZORG_LOGO_VOORSTEL_CONCEPT_V4_FINAL_190416-1-1024x792.png\" class=\"attachment-large size-large wp-image-1722\" alt=\"\" srcset=\"https:\/\/vcbbank.sr\/wp-content\/uploads\/2025\/08\/BASISZORG_LOGO_VOORSTEL_CONCEPT_V4_FINAL_190416-1-1024x792.png 1024w, https:\/\/vcbbank.sr\/wp-content\/uploads\/2025\/08\/BASISZORG_LOGO_VOORSTEL_CONCEPT_V4_FINAL_190416-1-300x232.png 300w, https:\/\/vcbbank.sr\/wp-content\/uploads\/2025\/08\/BASISZORG_LOGO_VOORSTEL_CONCEPT_V4_FINAL_190416-1-768x594.png 768w, https:\/\/vcbbank.sr\/wp-content\/uploads\/2025\/08\/BASISZORG_LOGO_VOORSTEL_CONCEPT_V4_FINAL_190416-1-1536x1188.png 1536w, https:\/\/vcbbank.sr\/wp-content\/uploads\/2025\/08\/BASISZORG_LOGO_VOORSTEL_CONCEPT_V4_FINAL_190416-1-2048x1584.png 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2387ee elementor-widget elementor-widget-text-editor\" data-id=\"d2387ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>CALCULATION OF MONTHLY REPAYMENT<\/strong><\/p><h5>Suppose You Borrow an Amount of SRD 3000,- from the Healthcare Facilities Fund and Want to Repay it within 3 Years, You Will Have to Repay the Following Amount per Month (Calculation Based on the 2% Interest Rate per Year)<\/h5><h5><strong>SRD 3000 =&gt; 3 X 2% = 6%<\/strong><br><strong>6% of SRD 3000 = SRD 180<\/strong><br><strong>Per Year =&gt; SRD 3180 \/ 3 = 1060<\/strong><br><strong>Per Month =&gt; SRD 1060 \/ 12 = SRD 88.33<\/strong><\/h5><p><em>Processing fees and sales tax are paid by the fund.<\/em><\/p><p><strong>DOCUMENTS<\/strong><\/p><p><a href=\"https:\/\/www.vcbbank.sr\/wp-content\/uploads\/2022\/10\/AANVRAAGFORMULIER_ZVF_fillable.pdf\" target=\"_blank\" rel=\"noopener\">Application Form<\/a> (Can be filled out online)<\/p><p><a href=\"https:\/\/www.vcbbank.sr\/wp-content\/uploads\/2022\/10\/BORGFORMULIER.pdf\" target=\"_blank\" rel=\"noopener\">Guarantor Form<\/a><\/p><p><a href=\"https:\/\/www.vcbbank.sr\/wp-content\/uploads\/2022\/10\/Voorwaarden-Pers-Len-Basisz-verz-aangepast-april-2022.pdf\" target=\"_blank\" rel=\"noopener\">Terms and Conditions<\/a><\/p><p><a href=\"https:\/\/www.vcbbank.sr\/wp-content\/uploads\/2022\/10\/Final-Reglement-beheer-Zorgvoorzieningenfonds-aangepast-27042022-UO.pdf\" target=\"_blank\" rel=\"noopener\">Healthcare Facilities Fund Management Regulations<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>From the Healthcare Facilities Fund (ZVF), you can borrow money at a low interest rate of 2% to pay for the additional costs of basic health insurance. This fund is managed by the Basic Care Implementation Agency, and the administration is handled by VCB Bank. WHAT CAN YOU USE THE HEALTHCARE FACILITIES FUND FOR? When [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1723,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1859","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/vcbbank.sr\/en\/wp-json\/wp\/v2\/pages\/1859","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vcbbank.sr\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/vcbbank.sr\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/vcbbank.sr\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/vcbbank.sr\/en\/wp-json\/wp\/v2\/comments?post=1859"}],"version-history":[{"count":3,"href":"https:\/\/vcbbank.sr\/en\/wp-json\/wp\/v2\/pages\/1859\/revisions"}],"predecessor-version":[{"id":2224,"href":"https:\/\/vcbbank.sr\/en\/wp-json\/wp\/v2\/pages\/1859\/revisions\/2224"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vcbbank.sr\/en\/wp-json\/wp\/v2\/media\/1723"}],"wp:attachment":[{"href":"https:\/\/vcbbank.sr\/en\/wp-json\/wp\/v2\/media?parent=1859"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}