{"id":1584,"date":"2026-06-14T12:47:46","date_gmt":"2026-06-14T12:47:46","guid":{"rendered":"https:\/\/bubbels.com\/?page_id=1584"},"modified":"2026-06-15T20:36:24","modified_gmt":"2026-06-15T20:36:24","slug":"bng-portal","status":"publish","type":"page","link":"https:\/\/bubbels.com\/en\/bng-portal\/","title":{"rendered":"___________________BNG Portal_____________"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1584\" class=\"elementor elementor-1584\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f8ee73 e-flex e-con-boxed e-con e-parent\" data-id=\"4f8ee73\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a501b05 elementor-widget elementor-widget-text-editor\" data-id=\"a501b05\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 data-path-to-node=\"5\">Bubbels Public Finance \u2014 Strategische AI-ondersteuning voor de Publieke Sector<\/h3><p data-path-to-node=\"6\"><strong>Welkom bij de centrale AI-expertomgeving van Bubbels Public Finance voor BNG Bank. Binnen deze beveiligde portal heeft u rechtstreeks toegang tot gespecialiseerde digitale agenten. Deze digitale experts ontsluiten niet alleen actuele kennis, maar ondersteunen ook bij besluitvorming, risicoanalyses, scenarioverkenningen, dossieronderzoek, beleidsvoorbereiding en het opstellen van voorstellen.<\/strong><\/p><p data-path-to-node=\"7\">Elke agent opereert binnen een strikt afgebakend domein om absolute nauwkeurigheid te garanderen en hallucinaties te voorkomen.<\/p><h2 data-path-to-node=\"9\">\ud83e\udd16 Beschikbare AI-Agents:<\/h2><h3 data-path-to-node=\"10\">Agent 1: WSW-Achtervang &amp; CRR-Risicoweging<\/h3><p data-path-to-node=\"11\"><i data-path-to-node=\"11\" data-index-in-node=\"0\">Gespecialiseerd in de wetstechnische en prudenti\u00eble kaders van het Nederlandse volkshuisvestelijke achtervangsysteem.<\/i><\/p><ul data-path-to-node=\"12\"><li><p data-path-to-node=\"12,0,0\"><b data-path-to-node=\"12,0,0\" data-index-in-node=\"0\">Toepassing:<\/b> Ondersteuning bij vraagstukken rondom de <i data-path-to-node=\"12,0,0\" data-index-in-node=\"53\">Sovereign Substitute Approach<\/i> (0% risicoweging), de operationalisering van de achtervang (Artikel 61 Woningwet, Btiv, Rtiv) en de interactie met de ECB.<\/p><\/li><li><p data-path-to-node=\"12,1,0\"><b data-path-to-node=\"12,1,0\" data-index-in-node=\"0\">Output-structuur:<\/b> De agent bouwt antwoorden strikt op in twee delen: een formeel, prudentieel-juridisch argument voor toezichthouders (<b data-path-to-node=\"12,1,0\" data-index-in-node=\"135\">Deel 1<\/b>) en een heldere interne vertaling op basis van de <i data-path-to-node=\"12,1,0\" data-index-in-node=\"192\">Drievoudige Brandmuur<\/i> (<b data-path-to-node=\"12,1,0\" data-index-in-node=\"215\">Deel 2<\/b>).<\/p><p data-path-to-node=\"3\"><b data-path-to-node=\"3\" data-index-in-node=\"0\">STAP 1: TOEZICHT &amp; SIGNALERING (Aw)<\/b> De Autoriteit woningcorporaties (Aw) signaleert eventuele financi\u00eble risico&#8217;s proactief via haar doorlopende toezicht op de woningcorporatie.<\/p><ul data-path-to-node=\"4\"><li><p data-path-to-node=\"4,0,0\"><b data-path-to-node=\"4,0,0\" data-index-in-node=\"0\">Relevante wetgeving:<\/b> <b data-path-to-node=\"4,0,0\" data-index-in-node=\"21\">Artikel 60 en 61a van de Woningwet<\/b> (uitgewerkt in de <b data-path-to-node=\"4,0,0\" data-index-in-node=\"74\">Rtiv<\/b> voor de financi\u00eble beoordelingscriteria).<\/p><\/li><\/ul><p data-path-to-node=\"5\"><b data-path-to-node=\"5\" data-index-in-node=\"0\">STAP 2: EERSTE OPVANG (EIGEN BUFFER WSW)<\/b> De corporatie probeert het probleem zelf op te lossen. Als dat niet lukt, zet het WSW haar eigen algemene miljardenbuffer in om de verplichtingen na te komen.<\/p><ul data-path-to-node=\"6\"><li><p data-path-to-node=\"6,0,0\"><b data-path-to-node=\"6,0,0\" data-index-in-node=\"0\">Relevante wetgeving:<\/b> <b data-path-to-node=\"6,0,0\" data-index-in-node=\"21\">Reglement Deelnemers WSW<\/b> (bepalingen rondom het Risicokapitaal).<\/p><\/li><\/ul><p data-path-to-node=\"7\"><b data-path-to-node=\"7\" data-index-in-node=\"0\">STAP 3: START SECTOR-SOLIDARITEIT (BIJ DE 0,65% GRENS)<\/b> Zodra het risicokapitaal van het WSW door de kritieke grens van 0,65% zakt, activeert de Aw de wettelijke saneringsbijdrage. Gezonde corporaties betalen vanaf dat moment verplicht mee om het WSW te stutten.<\/p><ul data-path-to-node=\"8\"><li><p data-path-to-node=\"8,0,0\"><b data-path-to-node=\"8,0,0\" data-index-in-node=\"0\">Relevante wetgeving:<\/b> <b data-path-to-node=\"8,0,0\" data-index-in-node=\"21\">Artikel 57 en 58 van de Woningwet<\/b> en het <b data-path-to-node=\"8,0,0\" data-index-in-node=\"62\">Btiv<\/b> (voor de operationele rekenregels en uitvoering wordt hierbij verwezen naar de <b data-path-to-node=\"8,0,0\" data-index-in-node=\"146\">Rtiv<\/b>).<\/p><\/li><\/ul><p data-path-to-node=\"9\"><b data-path-to-node=\"9\" data-index-in-node=\"0\">STAP 4: PROACTIEVE ACTIVATIE ACHTERVANG (BIJ DE 0,25% GRENS)<\/b> Mocht het risicokapitaal ondanks de saneringsbijdragen verder zakken en de absolute bodemgrens van 0,25% bereiken? Dan grijpt de Aw direct in. Zij eist de overheidsliquiditeit op <i data-path-to-node=\"9\" data-index-in-node=\"240\">voordat<\/i> BNG Bank een betaling mist.<\/p><ul data-path-to-node=\"10\"><li><p data-path-to-node=\"10,0,0\"><b data-path-to-node=\"10,0,0\" data-index-in-node=\"0\">Relevante wetgeving:<\/b> <b data-path-to-node=\"10,0,0\" data-index-in-node=\"21\">Artikel 61, lid 1 t\/m 4 van de Woningwet<\/b> en de formele <b data-path-to-node=\"10,0,0\" data-index-in-node=\"76\">Achtervangovereenkomst<\/b> tussen de Staat, de VNG en het WSW.<\/p><\/li><\/ul><p data-path-to-node=\"11\"><b data-path-to-node=\"11\" data-index-in-node=\"0\">STAP 5: DE OVERHEIDS-ACHTERVANG (ARTIKEL 61 WONINGWET)<\/b> De Staat (voor 50%) en de Gemeenten (voor 50%) storten direct de benodigde renteloze leningen in het zekerhedenstelsel om de liquiditeit aan te vullen.<\/p><ul data-path-to-node=\"12\"><li><p data-path-to-node=\"12,0,0\"><b data-path-to-node=\"12,0,0\" data-index-in-node=\"0\">Relevante wetgeving:<\/b> <b data-path-to-node=\"12,0,0\" data-index-in-node=\"21\">Artikel 61 van de Woningwet<\/b>.<\/p><\/li><\/ul><p data-path-to-node=\"13\"><b data-path-to-node=\"13\" data-index-in-node=\"0\">STAP 6: RESULTAAT VOOR BNG BANK (0% RISICOWEGING)<\/b> Het geld is exact op tijd binnen bij het WSW, waardoor BNG Bank haar betalingen foutloos en zonder vertraging ontvangt.<\/p><ul data-path-to-node=\"14\"><li><p data-path-to-node=\"14,0,0\"><b data-path-to-node=\"14,0,0\" data-index-in-node=\"0\">Relevante wetgeving:<\/b> <b data-path-to-node=\"14,0,0\" data-index-in-node=\"21\">EU Verordening nr. 575\/2013 (Capital Requirements Regulation &#8211; CRR)<\/b>, specifiek <b data-path-to-node=\"14,0,0\" data-index-in-node=\"100\">Artikel 114<\/b> en <b data-path-to-node=\"14,0,0\" data-index-in-node=\"115\">Artikel 115<\/b> (Sovereign Substitute status voor de 0% risicogewicht).<\/p><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29be025 elementor-widget elementor-widget-html\" data-id=\"29be025\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe\n    src=\"https:\/\/www.chatbase.co\/chatbot-iframe\/FIdzQNEkhyvVpz1Ki7USY\"\n    width=\"100%\"\n    style=\"height: 750; min-height: 700px\"\n    frameborder=\"0\"\n    allow=\"microphone\"\n><\/iframe>\n\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<div class=\"elementor-element elementor-element-c5d52c3 e-flex e-con-boxed e-con e-parent\" data-id=\"c5d52c3\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9c60f02 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9c60f02\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\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>","protected":false},"excerpt":{"rendered":"<p>Bubbels Public Finance \u2014 Strategische AI-ondersteuning voor de Publieke Sector Welkom bij de centrale AI-expertomgeving van Bubbels Public Finance voor BNG Bank. Binnen deze beveiligde portal heeft u rechtstreeks toegang tot gespecialiseerde digitale agenten. Deze digitale experts ontsluiten niet alleen actuele kennis, maar ondersteunen ook bij besluitvorming, risicoanalyses, scenarioverkenningen, dossieronderzoek, beleidsvoorbereiding en het opstellen van [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-1584","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/bubbels.com\/en\/wp-json\/wp\/v2\/pages\/1584","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bubbels.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bubbels.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bubbels.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bubbels.com\/en\/wp-json\/wp\/v2\/comments?post=1584"}],"version-history":[{"count":28,"href":"https:\/\/bubbels.com\/en\/wp-json\/wp\/v2\/pages\/1584\/revisions"}],"predecessor-version":[{"id":1615,"href":"https:\/\/bubbels.com\/en\/wp-json\/wp\/v2\/pages\/1584\/revisions\/1615"}],"wp:attachment":[{"href":"https:\/\/bubbels.com\/en\/wp-json\/wp\/v2\/media?parent=1584"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}