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SVB Beleidsregels
Awb
3
ABCDEDFDGHDCIJKKDF
DEFGEHEIJKLEMEHKFNIOPFQRFSTFJEUEVGELFWXSYF
DEFGEHEIJKLEMEHKFjQLJEPFVIPIV[[HFEEPV[[HF
Z[K\MEK\EHJFJQQLFJEF][[JFZ[PF^EK\__LFZ[PF
RELFO[[LFkELNIEPf
JEF`QUI[HEFaELNEbELIPMKG[PbFEPFQRFScF
k jjjfKZGGEHEIJKLEMEHKfPHFZQQLFJEFVEEK\F
O[P_[LIFWXSdFGEbEPJFMEV[[b\FIPFJEF
LEUEP\EFZELKIEf
`\[[\KUQ_L[P\Fe`\UL\fFWXSdgFdhWif
`^cShW
LDBMFCNDHHDFOD
abcdefghijkhlmn
BCDEFGHCIICFJCKILMKCCFKICNOHLPPLFGKICQRCSSCFJCKHCQKTUVWXCFNLYCFZKJCKTF[W\LQPCRLFGZK
JCKPLFJCRILMNDEGZKJCKY]CRIR\GGLFGN\LQPCRLFGZKJCK^C_LGREQLCW\LQPCRLFGZKJCK
QCGC_YCQPY_LFGKYXKGRYFJK]EFKJCK`aUBKYSKJCK^CGCDLFGKFLCQWaUBWGCRCOHQLGJCFZKJCK
QCGC_YCQPY_LFGKYXKGRYFJK]EFKJCKbUcZKHCQK]YYRNOHYQKYXKGRYFJK]EFKJCKbTdKefghKYSK
JCKQCGC_YCQPY_LFGKYXKGRYFJK]EFKJCKb:dKLNKLFKLCJCRKGC]EDKJCGCFCKQYQK[LCKJCK
ICNOHLPPLFGKLNKGCRLOHQ;KkCK]YDGCFJCKXCRNYFCFKCFKLFNQCDDLFGCFKICNOHY\[QKJCKdlBK_CJCK
EDNKICDEFGHCIICFJCmFnV
kCKXERQFCRK]EFKJCKEEF]REGCRK]EFKPLFJCRILMNDEGKYSKQCGC_YCQPY_LFGKYXKGRYFJK]EFK
JCKbUcVKXFJLCFKJCKXERQFCRK]EFKJCKEEF]REGCRKJCCDK\LQ_EEPQK]EFKHCQKH\LNHY\JCFK
]EFKJCKEEF]REGCRKCFKICLJCFKLFKICGLFNCDKRCOHQKYXKPLFJCRILMNDEGKYSKQCGC_YCQPY_LFGK
YXKGRYFJK]EFKJCKbUcKHCIICFZKICNOHY\[QKJCKdlBKJCKXERQFCRK]EFKJCKEEF]REGCRK
C]CFCCFNKEDNKICDEFGHCIICFJCKQCFKEEFYLCFK]EFKJCKICNOHLPPLFGKJLCK[YRJQKESGCGC]CFK
EEFKJCKEEF]REGCR;
kCKFEICNQEEFJCFK]EFKCCFKXCRNYYFKJLCKCCFKEEF]REEGKYXKGRYFJK]EFKJCKbTdKefghKYSK
b:dKHCCSQKLFGCJLCFJ;KTRQLPCDKgZKbTdKefghKRCNXCOQLC]CDLMPKERQLPCDK[ZK]LMSJCKDLJKb:dK
RCGCDCFKJEQKJCKICHEFJCDLFGK]EFKCCFKEEF]REEGKQCFKICHYC]CK]EFKJCKFEICNQEEFJCFK
[YRJQK]YYRQGCYCQKLFJLCFKJCKXCRNYYFKJLCKJCKEEF]REEGKHCCSQKLFGCJLCFJKY]CRDLMJQK
]YYRJEQKYXKJCKEEF]REEGKLNKICNDLNQ;
kCK[CRPFC_CRK]YYRK[LCKJCK[CRPGC]CRKCCFK]CRPDERLFGKQYCXENNCDLMPCK[CQGC]LFGK
mTg\]KgfgW]CRPDERLFGnKHCCSQKEEFGC]REEGJ;KkCKdlBKNQCDQKFLCQKJCKCLNKJEQKJCK
[CRPFC_CRKJCYCKEEF]REEGK_CJCKYFJCRQCPCFQZKY_JEQKHCQKQCOHFLNOHKmFYGnKFLCQK
_YGCDLMPKLNKJEQKJCK[CRPFC_CRKJCKEEF]REEGK]EFKCCFKCDCPQRYFLNOHCKHEFJQCPCFLFGKQCK
]YYRYLCQ;KU_KQCK]CRYCPCRCFKJEQKJCK[CRPFC_CRKGCCFKICY[EERKHCCSQKQCGCFKHCQK
]CRDCFCFK]EFKCCFK]CRPDERLFGKQYCXENNCDLMPCK[CQGC]LFGZKNQCDQKJCKdlBKJCK[CRPFC_CRK
LFKPCFFLNK]EFKJCKYFQ]EFGNQK]EFKJCKEEF]REEG;KkEERFEENQKYFQ]EFGQKJCK[CRPFC_CRKCCFK
ESNOHRLSQK]EFKJCKICNDLNNLFG;
TDNKJCKdlBKYYFJCRK_EOHQLGLFGK]EFKCCFKGCRCOHQLGJCKHCQKXCFNLYCFKYSKJCK\LQPCRLFGK
Y]CR_EEPQKFEERKCCFKEFJCRKJEFKJCKGCRCOHQLGJCKYXKGRYFJK]EFKERQLPCDKgPZKQ[CCJCKDLJZKERQLPCDK
efZKERQLPCDKeZKTUVZKJCKERQLPCDCFKhPKCFKZQKTF[ZKERQLPCDKeZKTaVZKERQLPCDKgPZKQ[CCJCKDLJK
UB^KJEFK[CDKERQLPCDKeRZKCCRNQCKDLJK]EFKHCQKlCRJREGK_CQK`ERYPPYZKERQLPCDK[RK]EFKHCQK
lCRJREGK_CQKb\FCNLSKYSKERQLPCDK[[ZKQ[CCJCKDLJK]EFKHCQKlCRJREGK_CQKb\RPLMCZKJEFK_CRPQK
JCKdlBKHCQKYRGEEFKYSKJCKXCRNYYFKEEFK[LCKHCQKXCFNLYCFKYSKJCK\LQPCRLFGK[YRJQKICQEEDJK
FEENQKJCKRCOHQHCIICFJCKEEFKEDNKICDEFGHCIICFJCKILMKHCQKICQEEDEJRCN;KkCKdlBKICNOHY\[QK
HCQKYRGEEFKYSKJCKXCRNYYFKFLCQKEDNKICDEFGHCIICFJCKILMKHCQKRCOHQKYXKXCFNLYCFKYSK\LQPCRLFG;K
SVB Beleidsregels
Awb
4
TCRNYFCFKCFKLFNQCDDLFGCFKJLCKJCKdlBKFEJR\PPCDLMPKFLCQKEDNKICDEFGHCIICFJCFKLFKJCKYLFK]EFK
JCKT[IKICNOHY\[QZKYLMFV
TERQFCRNK]EFKXCFNLYCFGCRCOHQLGJCFKJLCKYXKGRYFJK]EFKERQLPCDKgZKQ[CCJCKDLJZKYFJCRKIK
TUVKEDNKYFGCH\[JK_YCQCFK[YRJCFKICNOHY\[JKY_JEQKYLMKJ\\RYEE_KGCNOHCLJCFK
DC]CF;KkCKICQRYPPCFKXERQFCRKPEFK_CQKICQRCPPLFGKQYQKYLMFKCLGCFKRCOHQCFKYCDSKCCFK
ICNOHLPPLFGKEEF]REGCF;
TERQFCRNK]EFKTUVWKYSKTF[WGCRCOHQLGJCFKJLCKCCFKEFJCRCK
NYOLEDCYCPCRHCLJN\LQPCRLFGKGCFLCQCFKCFKJLCKJYYRKJCK[CRPLFGK]EFKCCFKYF[CCRDCGIEERK
RCOHQN]CR_YCJCFKQC]CFNK]YYRKJLCKEFJCRCKNYOLEDCYCPCRHCLJN\LQPCRLFGKEDNKXERQFCRK
[YRJCFKEEFGC_CRPQ;KkCYCKXERQFCRNK[YRJCFKGCEOHQKNDCOHQNKICDEFGHCIICFJCKQCKYLMFK
ILMKJCKICNOHLPPLFGK]EFKHCQKICNQ\\RNYRGEEFKJEQKJCKEFJCRCKNYOLEDCYCPCRHCLJN\LQPCRLFGK
]CRNQRCPQKmYLCKU^]BKQKFY]C_ICRKeffRn;
]VWXERQFCRNK]EFKJCGCFCFKEEFK[LCKPLFJCRILMNDEGK[YRJQK\LQICQEEDJ;KkCYCKCVWXERQFCRNK
P\FFCFKYCDSKY_K\LQICQEDLFGK]EFKJCKPLFJCRILMNDEGK]REGCFKCFKYLMKYFQ]EFGCFKJEERY]CRK
JEFKCCFKICNOHLPPLFG;
TCRNYFCFKmYSKLFNQCDDLFGCFnKJLCKEEFNXREEPK_EPCFKYXKCCFKY]CRDLMJCFN\LQPCRLFG;KkCYCK
XCRNYFCFKmYSKLFNQCDDLFGCFnKP\FFCFKYCDSKCCFKEEF]REEGKLFJLCFCF;
W\RLNXR\JCFQLC
opqrhshtuqfvnfbhkwwxyhzo{|j}{jop~rjkwwxjlk:sw
`^cShc
LDPBQJRGDFGHDPSNJTTJFC
abcdefghij;yhgf<fthihfthkhlmn
BLMKICEFQ[YYRJLFGK]EFKJCK]REEGKYSKCCFKNOHRLSQCDLMPCK_CJCJCDLFGK]EFKJCKdlBK_YCQK
[YRJCFKEEFGC_CRPQKEDNKCCFKICND\LQKLFKJCKYLFK]EFKERQLPCDKgV[KT[IZKLNKYFJCRK_CCRK]EFK
ICDEFGKYSKJCK_CJCJCDLFGKLNKGCRLOHQKYXKRCOHQNGC]YDG;KlEFKCCFKRCOHQNGC]YDGKLNKLFKLCJCRK
GC]EDKNXREPCKEDNKJCK_CJCJCDLFGKLNKGCRLOHQKYXKJCK]ENQNQCDDLFGK]EFKHCQKRCOHQKYXK\LQPCRLFGZKJCK
HYYGQCK]EFKJCK\LQPCRLFGKYSKHCQKICJREGK]EFKJCK\LQPCRLFGKJEQK[YRJQKICQEEDJKmYLCKU^]BK[gK
M\DLKeffeKCFKe[KJCOC_ICRKeffen;KlYYRQNKIDLMPQK\LQKM\RLNXR\JCFQLCK]EFKJCKU^]BKJEQKCCFK
RCOHQN]ENQNQCDDLFGKY]CRKSCLQCFKCFKY_NQEFJLGHCJCFKJLCKICQRCPPLFGKHCIICFKYXKCCFK
QYCPY_NQLGKRCOHQKYXK\LQPCRLFGZKYXKRCOHQNGC]YDGKLNKGCRLOHQ;K]CFKYXGE]CK]EFKmFLCQWn
]CRYCPCRJCKMERCFKYSKCCFKNQEFJK]EFK]CRYCPCRLFGKLNKJEERY_KCCFKICND\LQKLFKJCKYLFK]EFKERQLPCDK
gV[KT[IKmYLCKU^]BKgZKM\DLKeffhn;
kEERFEENQK_CRPQKJCKdlBKLFKJCK]YDGCFJCKNXCOLSLCPCKNLQ\EQLCNKEDNKCCFKICND\LQKEEFV
JCKICNDLNNLFGKY_KCCFK]YYRNOHYQKYXKCCFK\LQPCRLFGKQCK]CRDCFCF;KXLQKHCQKERRCNQK
kE_LEFLK]EFKHCQKY]WK]cK]DYCLQK]YYRQKJEQKJLQKC]CFCCFNKGCDJQK]YYRKJCKQYCPCFFLFGK
]EFKCCFK]YYRDYXLGCK\LQPCRLFGKYXKGRYFJK]EFKERQLPCDKZfZKCCRNQCKCFKQ[CCJCKDLJK]EFK
lCRYRJCFLFGKm]cnKFR;KPZQ\effP;KXLQKJLQKERRCNQK]YDGQKCOHQCRKQC]CFNKJEQKQCGCFKHCQK
]YYRDYXLGCKPEREPQCRK]EFKDEEQNQGCFYC_JCKICNOHLPPLFGKGCCFKICY[EERKYSKICRYCXK
YXCFNQEEQ;
CCFKICNDLNNLFGKYXKCCFK]CRYYCPKY_K]CRGYCJLFGK]EFKNOHEJCKGCDCJCFKEDNKGC]YDGK]EFK
CCFKmIC[CCRJCDLMPnKYFRCOHQ_EQLGKICND\LQKmYLCKYFJCRK_CCRKU^]BKeZKM\DLKgPPhKCFKeK
M\DLKgPPQKCFKTB^]dKePKFY]C_ICRKgPPRn;
CCFKICNDLNNLFGKYXKCCFK]CRYYCPKY_KESGLSQCK]EFKCCFK]CRPDERLFGKEDNKICJYCDJKLFKdBeg[PK
Y]CRKJCQEOHCRLFG;KkCKdlBKDCLJQKJLQKESK\LQKHCQKERRCNQK[LQY[LDDLE_K]EFKHCQKY]WK]c;
SVB Beleidsregels
Awb
kCKmNOHRLSQCDLMPCnK_CJCJCDLFGK]EFKJCKdlBKJEQKCCFKERQLPCDKgRWY]CRCCFPY_NQKmYLCKdBeghRK
Y]CRKCCFK]CRYYCPKQYQKHCQKND\LQCFK]EFKCCFKERQLPCDKgRWY]CRCCFPY_NQnKFLCQKPEFK[YRJCFK
ESGCNDYQCFK[CGCFNKHCQKYFQIRCPCFK]EFKJCKICRCLJHCLJKJEERQYCKILMKHCQKEFJCRCKICQRYPPCFK
DEFJZK]EDQKFLCQKYFJCRKHCQKICND\LQICGRLXK]EFKJCKT[IKmYLCKU^]BKehKMEF\ERLKeffgn;K]CFK
_CJCJCDLFGK]EFKJCKdlBKY]CRKHEERKICRCLJHCLJKYLOHKLFKQCKYCQQCFKY_K_CQKHCQKEFJCRCK
ICQRYPPCFKDEFJKQYQKY]CRCCFNQC__LFGKY]CRKHCQKESND\LQCFK]EFKCCFKJCRGCDLMPCKY]CRCCFPY_NQK
QCKPY_CFZK]EDQKJEERCFQCGCFK[CDKYFJCRKHCQKICND\LQICGRLX;
W\RLNXR\JCFQLC
opqrhk=h>at?abdhkwwiyhp@~hkwwiAi;:
opqrh;ih>?gdhkwwkyhp@~hkwwkAk=:
opqrhiBh>?gdhkww=yhUVrWhkww=A;kXyhzo{|j}{jop~rjkww=jlYBi=s
ZqVhzIhiwh,fnb?abdhkwwwyh-aaeho.kwkA:sh/udc-mdggdavvyhV?bwhkwwwyh|.XX;yhUx@Wh
kwwwA:syhp@~hkwwiABB
opqrhkihuecunfbhi::Xyhp@~hi:::AiXyhUx@Whi::XA;kx
opqrhkh>?gdhi::syhp@~hi::sAk==
ZqVhzIhi=h,fnb?abdhi:Xwyh-aaehB;As:h/HavdatdvyhV?bwhi:XwyhksX
opqrhkXh>?gdhi::=yhlrhi::Byhi;;
opqrhkwh>?gdhi::ByhUVrWhi::BAkk;
opqrhkhtuqfvnfbhi::Byhlrhi::xyh::
lrpq@hk:htuqfvnfbhi::xyhlrhi::syhxx
5