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Mortgage calculator
Learn your month-to-month payment and just how much you can borrow
Curious about your options for purchasing a home in 2025? Calculate your mortgage and know how much you can obtain, and just how much you 'd be paying each month.
More info about mortgages in the Netherlands
Your mortgage computation
The optimum quantity you can borrow on a mortgage is calculated based on:
- The annuity mortgage with a 30-year term. If you choose a various type of mortgage, the month-to-month payment may change.
- A fixed-rate duration of ten years. A much shorter or longer fixed-rate duration might affect the maximum amount you can borrow on a mortgage.
- A 0.20% client discount rate. We assume that you either already have a bank account with us or will open one. This will give you a discount rate on the mortgage rates of interest, offered that your salary 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 particular advantages can be included completely from 1 July 2024 if they are demonstrably repaired, long-term, payable in cash and have been awarded unconditionally for the applicant's entire work term. This kind of details is defined on company's statements, 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 worth of the residential or commercial property. The maximum quantity you can obtain on a mortgage is figured out based on 2 things:
- Your income.
- The value of the residential or commercial property you want to purchase.
Buying or renting
If you are currently renting and exploring your options to buy a home, and you wish to know how buying a home will affect your monthly outgoings, learn utilizing the estimation tool at the top of this page or schedule a totally free orientation conference to discuss it with a mortgage advisor.
Current mortgage rates of interest
The interest you pay on your mortgage impacts your monthly mortgage payment. Just how much you are charged in mortgage interest depends on the kind of mortgage, for how long the mortgage rate of interest is valid for and the quantity 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 month-to-month earnings is paid into an ABN AMRO existing account. This can be earnings from employment, your advantages, your pension, earnings from your own business or income from rental activities. This discount is what we call the 'customer discount rate'. Your bank account belongs to a payment plan. The customer discount rate is provided only on a set interest rate, and it works 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 watching? How does putting in an offer on a home work? And what happens when you wish to secure a mortgage? We will assist you through the procedure.
Frequently asked questions about mortgages
How do mortgages operate in the Netherlands?
A mortgage is a loan to purchase a home. In the Netherlands, you can borrow as much as 100% of the value of the residential or commercial property. If you are aiming to buy a home and take out a mortgage for it, first compute the maximum amount you can obtain on a mortgage. As quickly as you have actually done that, you can arrange a complimentary orientation meeting to discuss your alternatives with a mortgage advisor.
If you have actually already put in an offer on a house and it has actually been accepted, we will establish a second meeting with a mortgage consultant: the mortgage suggestions meeting. That is when you pick:
- the Budget Mortgage (Budget Hypotheek) or the Home Mortgage (Woning Hypotheek).
- the mortgage type for payment of your mortgage.
- a repaired or variable interest rate.
One of our mortgage advisors will assist you make these choices. Make a consultation and you can come in for a conference within 24 hr.
Is my perk factored into the computation of the maximum amount I can borrow on a mortgage?
Sometimes. In computing the optimum amount you can borrow on a mortgage during the orientation meeting, the mortgage consultant will take a look at your income, however also at any perks, overtime pay or other types of income.
Just how much do I need in cost savings to buy a home?
This depends entirely on the home you desire to purchase and just how much you can obtain based on your income. The extra costs you will sustain are likewise an aspect here. Here's how it works: purchasing a home in the Netherlands includes mortgage suggestions, a notary and a residential or commercial property valuation. These are things you need to spend for yourself. These are additional costs.
More about buying costs
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 work with foreign income in a different currency?
If you wish to buy a home in the Netherlands, however your earnings is not in euros, however in dollars or pound sterling instead, for instance, this need not be an issue. You are still qualified for a mortgage, however the optimum quantity you can obtain will usually be lower.
More about earnings in a foreign currency
What if I only have a short-lived home license?
Even then you can be eligible for a mortgage. It depends upon what kind of short-lived house permit you have. And the mortgage conditions will be various to with a permanent residence permit.
You ought to discuss this with a mortgage consultant in a free orientation conference. After all, a mortgage advisor understands precisely how this operates in your situation.
