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Mortgage calculator

Find out your month-to-month payment and how much you can obtain

Curious about your alternatives for purchasing a home in 2025? Calculate your mortgage and understand just how much you can borrow, and just how much you 'd be paying on a monthly basis.

More information about mortgages in the Netherlands

Your mortgage computation

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

- The annuity mortgage with a 30-year term. If you go with a various kind of mortgage, the regular monthly payment may alter.
- A fixed-rate duration of ten years. A shorter or longer fixed-rate period might impact the optimum amount you can borrow on a mortgage.
- A 0.20% client discount. We assume that you either currently have a current account with us or will open one. This will offer you a discount rate on the mortgage interest rate, supplied that your wage is paid into an ABN AMRO account.
- For mortgages under EUR 450,000, we utilize the rates of interest for a mortgage covered by the Dutch National Mortgage Guarantee.
Include 100% of the allowances

Allowances and particular advantages can be consisted of completely from 1 July 2024 if they are demonstrably fixed, long-term, payable in money and have been granted unconditionally for the candidate's entire employment term. This type of info 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 up to 100% of the worth of the residential or commercial property. The maximum quantity you can borrow on a mortgage is identified based on two things:

- Your income.
- The worth of the residential or commercial property you wish to purchase.
Buying or leasing

If you are presently renting and exploring your alternatives to purchase a home, and you want to know how purchasing a home will impact your monthly outgoings, learn utilizing the calculation tool at the top of this page or schedule a complimentary 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. Just how much you are charged in mortgage interest depends upon the kind of mortgage, the length of time the mortgage rates of interest is valid for and the quantity borrowed on the mortgage compared to the worth of the residential or commercial property.

Discount on your mortgage interest rate

You get a discount on the mortgage rate of interest if your monthly income is paid into an ABN AMRO bank account. This can be earnings from employment, your benefits, your pension, income from your own organization or earnings from rental activities. This discount is what we call the 'client discount rate'. Your bank account becomes part of a payment package. The customer discount is offered only on a set interest rate, and it takes effect from the start of a new fixed-rate period.

Buying a home in the Netherlands: detailed

What should you search for on a viewing? How does putting in a deal on a house work? And what occurs when you wish to get a mortgage? We will assist you through the process.

Frequently asked questions about mortgages

How do mortgages work in the Netherlands?

A mortgage is a loan to buy a home. In the Netherlands, you can borrow up to 100% of the value of the residential or commercial property. If you are aiming to buy a home and secure a mortgage for it, first calculate the maximum quantity you can borrow on a mortgage. As quickly as you have done that, you can set up a totally free orientation conference to discuss your choices with a mortgage adviser.

If you have already put in an offer on a home and it has actually been accepted, we will establish a 2nd meeting with a mortgage adviser: the mortgage recommendations meeting. 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 advisers will help you make these choices. Make an appointment and you can come in for a conference within 24 hours.

Is my perk factored into the computation of the optimum quantity I can borrow on a mortgage?

Sometimes. In determining the maximum quantity you can borrow on a mortgage during the orientation meeting, the mortgage advisor will take a look at your wage, however also at any perks, overtime pay or other forms of earnings.

How much do I need in cost savings to purchase a home?

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

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

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

If you wish to buy a home in the Netherlands, however your income is not in euros, but in dollars or pound sterling instead, for example, this need not be a problem. You are still eligible for a mortgage, but the maximum amount you can obtain will usually be lower.

More about income in a foreign currency

What if I just have a temporary house permit?

Even then you can be eligible for a mortgage. It depends on what type of short-term house allow you have. And the mortgage conditions will be various to with a permanent residence permit.

You must discuss this with a mortgage advisor in a totally free orientation conference. After all, a mortgage advisor understands precisely how this works in your scenario.