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Mortgage calculator

Discover your monthly payment and just how much you can obtain

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

More information about mortgages in the Netherlands

Your mortgage computation

The optimum amount you can borrow on a mortgage is determined based on:

- The annuity mortgage with a 30-year term. If you go with a various type of mortgage, the regular monthly payment may change.
- A fixed-rate period of ten years. A much shorter or longer fixed-rate period might impact the maximum quantity you can obtain on a mortgage.
- A 0.20% customer discount rate. We presume that you either currently have a bank account with us or will open one. This will give you a discount rate on the mortgage rates of interest, supplied 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 benefits can be consisted of totally from 1 July 2024 if they are demonstrably fixed, long-term, payable in cash and have actually been awarded unconditionally for the applicant's whole work term. This kind of details is specified on company's declarations, in employment agreement or in a consumer's Collective Labour Agreement (CLA).

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

In the Netherlands, you can borrow as much as 100% of the worth of the residential or commercial property. The optimum quantity you can obtain on a mortgage is determined based upon two things:

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

If you are presently renting and exploring your choices to purchase a home, and you would like to know how buying a home will affect your regular monthly outgoings, learn utilizing the estimation tool at the top of this page or schedule a free orientation meeting to discuss it with a mortgage adviser.

Current mortgage rate of interest

The interest you pay on your mortgage affects your month-to-month mortgage payment. Just how much you are charged in mortgage interest depends on the type of mortgage, for how long the mortgage rate of interest stands for and the amount borrowed on the mortgage compared to the value of the residential or commercial property.

Discount on your mortgage interest rate

You get a discount rate on the mortgage rates of interest if your month-to-month earnings is paid into an ABN AMRO bank account. This can be earnings from work, your advantages, your pension, earnings from your own service or income 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 just on a fixed interest rate, and it works from the start of a 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 occurs when you want to get a mortgage? We will guide you through the process.

Frequently asked concerns about mortgages

How do mortgages operate in the Netherlands?

A mortgage is a loan to purchase a home. In the Netherlands, you can borrow approximately 100% of the worth of the residential or commercial property. If you are wanting to purchase a home and secure a mortgage for it, initially calculate the optimum amount you can borrow on a mortgage. As quickly as you have actually done that, you can arrange a complimentary orientation meeting to discuss your choices with a mortgage advisor.

If you have actually currently put in an offer on a home and it has been accepted, we will set up a 2nd meeting with a mortgage consultant: the mortgage suggestions conference. That is when you choose:

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

Is my benefit factored into the calculation of the optimum quantity I can obtain on a mortgage?

Sometimes. In computing the optimum amount you can borrow on a mortgage during the orientation meeting, the mortgage consultant will look at your wage, but also at any perks, overtime pay or other types of earnings.

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

This depends totally on the home you desire to buy and just how much you can obtain based on your income. The extra expenses you will incur are likewise an element 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 need to spend for yourself. These are additional expenses. More about buying costs

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

How does it work with foreign income in a different currency?

If you wish to purchase a home in the Netherlands, but your income is not in euros, however in dollars or pound sterling rather, for instance, this need not be a problem. You are still eligible for a mortgage, however the optimum amount you can obtain will generally be lower.

More about earnings in a foreign currency

What if I just have a momentary house permit?

Even then you can be qualified for a mortgage. It depends on what kind of short-lived residence permit you have. And the mortgage terms and conditions will be different to with a permanent residence license.

You need to discuss this with a mortgage advisor in a totally free orientation meeting. After all, a mortgage consultant understands precisely how this works in your circumstance.