Conditional perfect: zou hebben/zijn + voltooid deelwoord

“Als je alleen positieve dingen zegt, denkt ze dat je weinig zelfinzicht hebt.”

In the Netherlands that's actually professional. If you only say positive things, she'll think you lack self-awareness. Name your weaknesses honestly, and add straight away how you plan to tackle them.

“Als hij dan nog niet betaalt, kunt u een procedure starten bij de kantonrechter of contact opnemen met het Juridisch Loket voor rechtsbijstand.”

Then your landlord has exceeded the fourteen-day deadline. You can send a payment request by registered letter. If he still does not pay, you can start a procedure with the district court or contact the Legal Aid Office for legal assistance.

“Het voordeel is een lagere rente (op dit moment scheelt dat ongeveer 0,4 procentpunt) en een vangnet als jullie door werkloosheid of scheiding de hypotheek niet meer kunnen betalen.”

Yes, easily. I'd also like to point out the National Mortgage Guarantee. The NHG limit in 2026 is €470,000, so you qualify. The advantage is a lower interest rate (currently about 0.4 percentage points less) and a safety net if you can no longer pay the mortgage due to unemployment or divorce.

“Voeg die bij als bijlage.”

Attach it as an exhibit. You can also include a statement from your employer saying that you have the car for private use. I also recommend looking up the municipal parking policy: if there is an exception for lease cars or cars registered to the employer, you can refer to it in your grounds.

“Maar als u maagproblemen heeft, kies dan liever voor paracetamol.”

Yes. Ibuprofen also works well against pain and inflammation. But if you have stomach problems, it is better to choose paracetamol.