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Mortgage calculator

Find out your monthly payment and how much you can obtain

Curious about your alternatives for buying a home in 2025? Calculate your mortgage and understand how much you can obtain, and just how much you 'd be paying every month.

More info about mortgages in the Netherlands

Your mortgage estimation

The optimum amount you can obtain on a mortgage is computed based on:

- The annuity mortgage with a 30-year term. If you select a various type of mortgage, the month-to-month payment might alter.
- A fixed-rate duration of ten years. A shorter or longer fixed-rate period may impact the maximum quantity you can obtain on a mortgage.
- A 0.20% client discount rate. We presume that you either currently have an existing account with us or will open one. This will give you a discount rate on the mortgage rates of interest, supplied that your wage is paid into an ABN AMRO account.
- For mortgages under EUR 450,000, we use the rate of interest for a mortgage covered by the Dutch National Mortgage Guarantee.
Include 100% of the allowances

Allowances and specific advantages can be consisted of totally from 1 July 2024 if they are demonstrably repaired, long-term, payable in money and have actually been awarded unconditionally for the candidate's whole employment term. This kind of info is defined on company's declarations, in employment agreement or in a customer's Collective Labour Agreement (CLA).

Borrow 100% of the worth of the residential or commercial property

In the Netherlands, you can borrow up to 100% of the value of the residential or commercial property. The maximum amount you can obtain on a mortgage is identified based on 2 things:

- Your earnings.
- The worth of the residential or commercial property you desire to buy.
Buying or renting

If you are presently renting and exploring your options to buy a home, and you would like to know how purchasing a home will impact your month-to-month outgoings, discover out utilizing the calculation tool at the top of this page or schedule a totally free orientation conference to discuss it with a mortgage adviser.

Current mortgage interest rate

The interest you pay on your mortgage impacts your month-to-month mortgage payment. How much you are charged in mortgage interest depends upon the type of mortgage, for how long the mortgage interest rate is valid for and the amount obtained on the mortgage compared to the value of the residential or commercial property.

Discount on your mortgage rate of interest

You get a discount rate on the mortgage rates of interest if your regular monthly income is paid into an ABN AMRO existing account. This can be earnings from work, your benefits, your pension, earnings from your own company or earnings from rental activities. This discount is what we call the 'client discount rate'. Your bank account belongs to a payment plan. The customer discount is offered only on a set interest rate, and it takes impact from the start of a brand-new fixed-rate period.

Buying a home in the Netherlands: step-by-step

What should you look for on a viewing? How does putting in an offer on a home work? And what takes place when you desire to secure a mortgage? We will assist you through the process.

Frequently asked questions about mortgages

How do mortgages operate in the Netherlands?

A mortgage is a loan to buy a home. In the Netherlands, you can obtain as much as 100% of the value of the residential or commercial property. If you are seeking to purchase a home and take out a mortgage for it, first calculate the maximum amount you can borrow on a mortgage. As quickly as you have done that, you can set up a totally free orientation meeting to go over your alternatives with a mortgage consultant.

If you have already put in a deal on a house and it has been accepted, we will set up a second conference with a mortgage adviser: the mortgage guidance conference. That is when you select:

- the Budget Mortgage (Budget Hypotheek) or the Home Mortgage (Woning Hypotheek).
- the mortgage type for repayment of your mortgage.
- a fixed or variable rate of interest.
Among our mortgage consultants will help you make these choices. Make a visit and you can come in for a meeting within 24 hours.

Is my perk factored into the calculation of the maximum quantity I can borrow on a mortgage?

Sometimes. In computing the optimum amount you can obtain on a mortgage throughout the orientation meeting, the mortgage consultant will look at your salary, but likewise at any rewards, overtime pay or other forms of income.

How much do I require in cost savings to buy a home?

This depends totally on the home you want to buy and how much you can borrow based on your earnings. The extra costs you will incur are also a factor here. Here's how it works: purchasing a home in the Netherlands involves mortgage guidance, a notary and a residential or commercial property valuation. These are things you have to pay for yourself. These are additional costs. More about buying expenses

Some of these expenses are tax-deductible, you can subtract them from your taxable pay on your income tax return. More about tax breaks

How does it deal with foreign income in a various currency?

If you wish to buy a home in the Netherlands, but your earnings is not in euros, however in dollars or pound sterling instead, for instance, this need not be a problem. You are still qualified for a mortgage, but the maximum quantity you can obtain will generally be lower.

More about earnings in a foreign currency

What if I only have a momentary residence authorization?

Even then you can be qualified for a mortgage. It depends on what type of momentary residence allow you have. And the mortgage terms and conditions will be different to with a long-term residence license.

You must this with a mortgage consultant in a totally free orientation conference. After all, a mortgage advisor understands precisely how this operates in your situation.