Custom legal document

Hire purchase-the agreement drafting

Have it drafted, amended, or reviewed by our legal experts and/or lawyers starting from 99
SME Lawyers

Do not hastily put this document together yourself — a false sense of security is harmful.
Have a specialist screen it and be in a stronger position when it matters.

  • Truly Tailor-Made Legal Solutions
  • Fixed rates
  • Pay later after draft
  • Free adjustment round
  • Delivered within 5 working days
  • Express delivery possible
  • Available in Dutch and English

How does it work?
Our services include a free consultation, a draft document, a revision round, and a final document. We invoice after sending the draft document.

Experience with legal services for entrepreneurs since 2001
Lawyers and legal professionals.Direct contact with a specialist who thinks practically.
Fixed rates.Where possible, clarity regarding costs in advance.
Within 4 hoursWe respond quickly to your request.
  • We worked for, among others:
  • MKBjuristen.nl partner
  • MKBjuristen.nl partner
  • MKBjuristen.nl partner
  • MKBjuristen.nl partner

We worked for, among others:

An incorrect document often provides a false sense of security.
You think everything is taken care of, but only discover whether the document actually works during a conflict or claim.

1

Free intake

We discuss your company, the purpose of the document, and the key risks.

2

Draft or check

We draft a custom document or review your existing document legally.

3

Final version

You will receive a final version with instructions on correct usage.

Mr. Jaime Boogaers
Mr. Jaime Boogaers
Corporate Law
Attorney, 16 years of experience

A legal document must not only be legally correct. Above all, it must align with how the entrepreneur will actually use the document

  • Lawyers and in-house counsel
  • Active since 2001
  • Affordable custom legal services
  • Always focused on practical use

Choose Tailored Legal Solutions

Choose whether you want to have the document drafted, checked, or modified. Prices and options vary per document.

From 99
Customization
from 99.- per document

Do you already have a document, but are unsure if it is still correct? We check content, risks, and practical usability.

from 249.- per document

Is your document outdated, copied, generated with AI, or no longer suitable? We check and adjust the document.

About us

Our expertise

Our lawyers and in-house counsel specialize in drafting, reviewing, and amending legal documents and contracts. We look not only at the legal text but also at how you use the document in practice.

Custom solutions for your industry

Every business operates differently. That is why we take your industry, customers, working methods, and specific risks into account.

Our facts

  • Active since 2001
  • Lawyers and in-house counsel
  • Fixed rates in advance
  • Tailored legal solutions for entrepreneurs
  • Thousands of agreements per year
  • Customization
  • About us
from 99.- per document

Do you already have a document, but are unsure if it is still correct? We check content, risks, and practical usability.

  • Our legal expert spends 0.5 to 1.5 hours on the check
  • Telephone intake with a lawyer
  • Checks on content, risks, and practical usability
  • Attention to liability, payment, and termination
  • Concrete points for improvement and legal advice
  • Delivered within 3 working days, express delivery possible
from 249.- per document

Is your document outdated, copied, generated with AI, or no longer suitable? We check and adjust the document.

  • Our legal expert spends 1.5 to 2.5 hours checking and making adjustments
  • Telephone intake with a lawyer
  • Verification of the existing document
  • Adaptation to your business and working methods
  • Suitable for new services, customers, or risks
  • Delivered within 5 working days, express delivery possible

About us

Our expertise

Our lawyers and in-house counsel specialize in drafting, reviewing, and amending legal documents and contracts. We look not only at the legal text but also at how you use the document in practice.

Custom solutions for your industry

Every business operates differently. That is why we take your industry, customers, working methods, and specific risks into account.

Our facts

  • Active since 2001
  • Lawyers and in-house counsel
  • Fixed rates in advance
  • Tailored legal solutions for entrepreneurs
  • Thousands of agreements per year

Reviews (21)

Sabine

I was spoken to very kindly on the phone. Our industry was taken into account. Our customers respond positively to the clear general terms and conditions.

Tarik

The lawyer immediately asked the right, critical questions. The document contained handy fill-in fields for future use, making it highly reusable. Everything was delivered neatly and on time.

Joost

We urgently needed a lawyer and were helped immediately. We appreciated the honesty when it turned out that a specific request of ours was legally unfeasible. A party that delivers on what it promises on its website.

Karim

They acted quickly when we indicated that it was urgent. They understood that, as a startup, we have different needs than an established corporate. These documents will undoubtedly save us a lot of headaches in the future.

Younes

We immediately felt that we were in good hands. It was a relief that our emails were often answered comprehensively within just a few hours. Our customers respond positively to the clear general terms and conditions.

Remco

My application via the website was picked up super fast. The personal involvement made us feel truly supported. These documents will undoubtedly save us a lot of headaches in the future.

Mick

No time was wasted on unnecessary formalities. The continuous thinking from the entrepreneur's perspective was a breath of fresh air. Everything was delivered neatly and on time.

Ibrahim

We really appreciated the transparency regarding the costs upfront. The aftercare and the opportunity to ask brief questions were perfectly arranged. A reliable partner that strives for perfection in their documents.

Ronald

The intake felt like a real consultation rather than a sales pitch. They provided fantastic input on how we could keep the document commercially friendly. A reliable partner striving for perfection in their documents.

Anouar

Scheduling the appointment went very smoothly and quickly. The legal language was strict and forceful where necessary, but lenient where possible. It is clear that they have a passion for entrepreneurship.

Jurre

We quickly gained the certainty we were looking for. The concept was clear and practically applicable. The service was professional and personal.

Paul

It was clear right from the intake that we were dealing with specialists. The explanation of the tests was very helpful. The service was professional and personal.

Rianne

My request via the website was picked up incredibly quickly. The flexibility to add an extra clause at the last minute was greatly appreciated. Fantastic value for money for this level of expertise.

Sven

We were in a contentious situation, but the calm start defused the tension. There was room for our specific wishes. The document was accepted flawlessly by our investors.

Thijs

The review of the document was thorough. The flexibility to add an extra provision at the last minute was highly appreciated. The document was accepted flawlessly by our investors.

Martijn

The initial meeting immediately instilled confidence in us. The explanation regarding limitation of liability was a real eye-opener for our Management Team. The final result aligns 100% with our high standards.

Monique

The communication was smooth and professional. The advice regarding the collection terms in the terms and conditions was particularly useful for our cash flow. Fantastic value for money for this level of expertise.

Bass

The lawyer took a practical approach with our company. They flawlessly exposed the pain points in our current contract. The document was accepted flawlessly by our investors.

Victor

The first impression was simply excellent. Even outside regular hours, we received a quick response to an urgent question. A reliable partner that strives for perfection in their documents.

Ismail

We had a rather specific legal issue, but this was no problem at all. They were fantastic at thinking along with us about how we could keep the document commercially friendly. A party that delivers on what it promises on its website.

Patrick

From the intake, it was clear what we could expect. The lawyer's patience in explaining the liability clauses was admirable. Everything was delivered neatly and on time.

Meet our office

Our ContractCheck, simply explained what can all go wrong.

Why MKB Juristen?

Since 2001, we have been active as a no-nonsense legal firm for entrepreneurs. We quickly get to the heart of the matter: with a thorough assessment, clear answers, and a document that works practically.

  • Nationwide coverage
  • First consultation free and without obligation
  • Fixed rates where possible
  • Affordable legal advice from lawyers and legal experts
  • Always a response within 4 hours

First, see how we work

A legal document requires trust. You see immediately who we are, how we help entrepreneurs, and why we do not work with standard templates.

  • You can view our working method before submitting an application
  • You will get a feel for the office and the people faster
  • The video supports the choice for customized legal solutions
  • After that, you can immediately request a quote or intake

What you can expect from us

We translate your situation into a legal document that you can actually use. You won't receive a loose template, but a document tailored to your business, agreements, and risks.

  • A clear roadmap: intake, concept, revision round, and final version
  • Practical explanation on how to use the document
  • Legal attention to liability, payment, and termination
  • Where possible, provide clarity in advance regarding price and delivery time
Are you unsure whether you should have the document drafted, checked, or amended?
During the initial consultation, we will determine the sensible course of action together. Afterward, you will know exactly where you stand.

Why customization?

A legal document only works well if it aligns with your business, agreements, risks, and industry. That is why we do not work with a standard generator, but with legal experts who assess your situation.

  • Prepared for your company
  • Telephone consultation included
  • No standard template
  • Review by legal specialists

What do you get?

You will receive a legal document that is practical and aligns with the agreements you wish to make.

  • Draft document or legal review
  • One adjustment round
  • Clear explanation where necessary
  • Fixed price where possible

The founders of MKB Juristen

Our organization consists of several small teams working within various legal fields. Each legal field has its own senior in-house counsel and/or lawyers.

Denian Wielhouwer

Corporate lawyer in corporate law & business expert

Denian Wielhouwer

Annelore Hendriks

Corporate lawyer, corporate law, administrative law

Annelore Hendriks

Ilja van Driel

Corporate law attorney, employment law

Ilja van Driel

Jaime Boogaers

Corporate law, ICT & privacy law, energy law attorney

Jaime Boogaers
Custom choices

Which choices determine the content?

Before drafting a hire-purchase agreement, several key choices determine the structure of the terms. The questions below will help you clarify those choices.

Choice or question Why this matters legally
Does it concern movable or immovable property? Special statutory rules and formal requirements apply to immovable property; for movable property, the agreements are less formal.
Is the buyer a consumer or a business? For a consumer as a buyer, additional protective provisions apply, including those regarding information and time limits.
What payment schedule do you agree upon? The amount and frequency of the installments and any down payment determine the cash flow and risk profile for both parties.
Who bears the risk and costs during the term? Record who insures, maintains, and bears the risk of the item as long as ownership has not yet been transferred.
What happens in the event of non-payment? Determine whether and when you can repossess the item, how installments already paid will be handled, and whether the remaining debt becomes immediately due and payable.
Clauses and provisions

Which elements belong in a hire-purchase agreement?

A hire-purchase agreement stipulates that the purchase price is paid in installments and that ownership is transferred only after the final installment. The following elements form the core of a binding agreement.

Provision Relevant to Legal point of attention
Parties and object Always Full details of seller and buyer and an accurate description of the item being delivered under hire purchase.
Purchase price and installments Always The total purchase price, the number of installments, the amount and the due dates, plus any down payment.
Retention of title Always Stipulate that ownership only transfers once all installments have been paid in full.
transfer of risk Always Determining from what moment the risk of damage or loss lies with the buyer, even if he is not yet the owner.
Delivery and use Always When and how the item is delivered and under what conditions the buyer may use the item for the transfer of ownership.
Default and dissolution Always What happens in the event of late payment, including notice of default, enforceability, and repossession of the item.
Maintenance and insurance If applicable Agreements regarding who maintains and insures the property as long as ownership has not yet been transferred.
Final provisions Always Applicable law, competent court and the manner of amendment of the agreement.
Use in practice

How do you use this document correctly?

A hire-purchase agreement only works if both parties are aware of, sign, and comply with the terms. These steps will help you use the document correctly.

Situation What should you do? Point of attention
For signature Check whether the item, the purchase price, and all installments are fully and accurately described. Incorrect or incomplete information leads to disputes later regarding exactly what was agreed upon.
Upon signing Have both parties sign each page and keep a signed original. A signed agreement is your proof of the agreements made.
During the term Keep a written record of paid installments and any changes. A complete set of records prevents disputes over outstanding amounts.
At the final installment Confirm in writing that ownership has transferred upon full payment. This establishes that the buyer has become the owner and the retention of title has lapsed.
Common mistakes

Common mistakes

Hire-purchase agreements often go wrong on a number of recurring points. Avoid these mistakes to prevent surprises.

Wrong Consequence Better approach
Failure to include retention of title The seller loses security and has difficulty recovering the item in the event of non-payment. Explicitly stipulate that ownership only transfers after the final installment.
Do not arrange risk transfer Uncertainty regarding who bears loss or damage during the term. Explicitly determine from what moment the risk lies with the buyer.
No payment arrangement in case of non-payment In the event of late payment, you are left empty-handed regarding repossession and enforceability. Include a clear default and termination provision with a notice of default.
Ignoring special rules regarding real estate The agreement may be void or voidable for lack of formal requirements. For real estate, take into account the statutory formal and registration requirements.
Describe timeframes vaguely Discussion regarding the amount, number, and due dates of the payments. Describe each installment with the amount and exact due date.
Risk profile

What is your situation and what do you pay attention to?

The right approach to a hire-purchase agreement depends on your role and the type of case. Recognize your situation and pay attention to the associated points.

Risk profile Example Focus in the document
You are the seller of movable property For example, you supply machines or vehicles and want to receive payment in installments. Ensure a watertight retention of title clause and a comprehensive default procedure.
You are the buyer You want to use an item immediately but pay in installments. Pay attention to the total costs, the consequences of payment arrears, and when you become the owner.
It concerns real estate Hire purchase of a property or home enjoys special legal protection. Take into account formal requirements and registration to validate the agreement.
The buyer is a consumer A private buyer enjoys additional legal protection. Comply with the additional information and time limit requirements that apply to consumers.
Additional documents

When is this document not enough?

A hire-purchase agreement covers the staggered purchase with retention of title. In some situations, you need a different or additional document.

Situation Supplementary document Why
Situation Related document Explanation
You only want to borrow an amount without purchasing a business Related document A loan agreement regulates a loan with interest and repayment without an item being delivered under hire purchase.
The buyer is not paying and you want to collect the debt Related document In the event of persistent non-payment, debt collection helps you collect the outstanding installments.
You wish to share confidential information about the case or company in advance Related document A confidentiality agreement protects confidential information that you share during the negotiations.
Explanation of this document

Drafting a hire-purchase agreement, why?

Not every entrepreneur knows exactly what hire-purchase agreements are, when they are needed, and which risks they must cover. Therefore, we explain below what this document entails, what to look out for, and why customized legal solutions are important.

What is a hire-purchase agreement?
A hire-purchase agreement is an agreement whereby the hire-purchaser receives the use of an item and pays for it in installments, with the understanding that ownership will only pass to the hire-purchaser upon payment of the final installment. Hire-purchase is regulated in Article 7A:1576h of the Dutch Civil Code and is a special form of hire purchase. The defining element is the seller's retention of title until all installments have been paid. Hire-purchase agreements are most frequently concluded for the purchase of vehicles — cars, motorcycles, trailers — machinery and business inventory, and agricultural implements. Hire-purchase differs from financial lease in that, with hire-purchase, ownership passes automatically upon completed payment, whereas a separate purchase option is required for financial lease. Our lawyers will draft a hire-purchase agreement for you that correctly establishes the retention of title, clearly formulates the installment arrangement, and regulates the consequences of non-payment in a legally enforceable manner.
How does retention of title work in hire purchase?
The retention of title is the core of the hire-purchase agreement. The seller retains ownership of the goods until the hire-purchaser has paid the final installment. This gives the seller the right to reclaim the goods in the event of non-payment—even if the hire-purchaser has since gone bankrupt. The retention of title must be expressly agreed upon in writing to be valid against third parties, including the bankruptcy trustee. Your hire-purchase agreement must also specify what happens to installments already paid if the agreement is dissolved due to non-payment: is the seller entitled to a portion of the paid installments as compensation for use? Article 7A:1576t of the Dutch Civil Code provides statutory protection for the hire-purchaser upon dissolution: the hire-purchaser is entitled to the return of their payments, less a reasonable compensation for use. Our lawyers draft a retention of title and dissolution arrangement that protects your position as a seller.
How do you arrange the term structure and interest?
The installment structure determines the term of the hire purchase, the amount of the periodic installments, and the payment schedule. Your hire purchase agreement must clearly specify the total purchase price, the down payment, the number and amount of the periodic installments, the payment dates, and the interest component. For hire purchases to consumers, the rules for consumer credit apply: the Consumer Credit Act (Wck) imposes information obligations, requires the effective annual interest rate to be stated, and grants the consumer a right to early repayment. In business hire purchases, there is more freedom, but the interest and total costs must be transparent. Our lawyers draft an installment structure that meets legal requirements and protects your financial position.
How does it work at MKBjuristen?
After a brief intake regarding the case, the parties, the purchase price, and the desired term, our lawyers draft a hire-purchase agreement that correctly establishes the retention of title, clearly formulates the payment structure, transparently accounts for the interest, and regulates the consequences of non-payment in a legally enforceable manner.
Are you unsure whether your document is legally correct? We would be happy to assess the sensible course of action: drafting, reviewing, or amending.
Request a quote

Why not use a standard document?

A standard document often seems like a quick solution, but usually does not fully align with your company, agreements, risks, and way of working. Our legal experts draft documents that fit your situation.

Standard document
SME Lawyers
Not tailored to your business
Tailored to your company, industry, and working methods
No control over your specific situation
Consultation with a lawyer and assessment of your risks
Possibly outdated or incomplete
Verification of current and practical provisions
No personal explanation
Explanation regarding the use of the document

A standard document seems cheap, until it doesn't fit your situation properly. That is why we provide custom legal solutions tailored to your business.

Custom solutions per industry and company

Every business operates differently and faces different legal risks. Therefore, we tailor the document to your industry, customers, agreements, and way of working.

Webshops & e-commerce

Focus on online sales, delivery, returns, complaints, payment, digital products, and consumer regulations.

Business services

Attention to the assignment, additional work, liability, payment, termination, and reliance on client information.

Construction, installation & execution

Attention to planning, delivery, warranties, additional work, materials, delays, and liability risks.

Software, SaaS & digital services

Attention to licenses, availability, support, updates, data, intellectual property, and limitation of liability.

Trade, supply & wholesale

Attention to delivery, transport, payment, retention of title, warranties, delivery times, and international agreements.

Consultants, freelancers & advisors

Attention to scope, best efforts obligations, cancellation, payment, liability, and confidential information.


A legal document only has value if it suits your practice. That is why we look not only at the text, but also at how you use the document in your business.

Common mistakes with legal documents

A legal document often seems simple, but small errors can have major consequences later on. In practice, we see that entrepreneurs run the greatest risk when a document does not align well with their business, agreements, or way of working.

  • Using a standard document that does not suit the company
  • Forgot important agreements regarding payment, delivery, liability, or termination
  • Have a document generated without legal review
  • Continuing to use old documents while the company has changed
  • Not knowing how the document should be used correctly in practice

A legal document only prevents problems if it suits your situation. That is why we look not only at the text, but also at your company, agreements, and risks.

Why is a standard document often not enough?

Because a standard document does not take into account your industry, customers, risks, and specific agreements, important provisions may be missing or not align well with your practice.

Can I create a legal document myself using AI?

AI can assist in creating text, but does not independently assess whether the document is legally appropriate, complete, and usable for your business. Legal review therefore remains important.

When do I need to have my document checked?

Have your document checked if your business has changed, you have new customers or services, you have doubts about existing agreements, or the document has not been updated for a long time.

Will I also receive an explanation about the use of the document?

Yes. We explain how to use the document in practice, what to look out for, and which steps are important to prevent disputes afterwards.

Contact us

Annelore Hendriks

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SME Lawyers at the Chamber of Commerce Source: Chamber of Commerce 2019
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