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Mortgage calculator

Find out your monthly payment and just how much you can borrow

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

More details about mortgages in the Netherlands

Your mortgage estimation

The optimum quantity you can obtain on a mortgage is calculated based upon:

- The annuity mortgage with a 30-year term. If you opt for a various kind of mortgage, the month-to-month payment may change.
- A fixed-rate duration of 10 years. A shorter or longer fixed-rate duration might affect the optimum amount you can obtain on a mortgage.
- A 0.20% customer discount. We assume that you either currently have a current account with us or will open one. This will provide 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 rates of interest for a mortgage covered by the Dutch National Mortgage Guarantee.
Include 100% of the allowances

Allowances and specific benefits can be included completely from 1 July 2024 if they are demonstrably repaired, long-lasting, payable in money and have actually been granted unconditionally for the applicant's entire work term. This kind of info is defined 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 approximately 100% of the worth of the residential or commercial property. The maximum amount you can borrow on a mortgage is figured out based on 2 things:

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

If you are presently renting and exploring your choices to buy a home, and you would like to know how buying a home will impact your monthly outgoings, discover using the computation tool at the top of this page or schedule a totally free orientation meeting to discuss it with a mortgage consultant.

Current mortgage rates of interest

The interest you pay on your mortgage affects your monthly mortgage payment. How much you are charged in mortgage interest depends upon the kind of mortgage, for how long the mortgage rates of interest is valid for and the quantity borrowed 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 interest rate if your regular monthly income is paid into an ABN AMRO current account. This can be earnings from work, your advantages, your pension, earnings from your own organization or earnings from rental activities. This discount is what we call the 'customer discount'. Your bank account is part of a payment package. The customer discount rate is provided only on a set interest rate, and it takes impact from the start of a new fixed-rate duration.

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

What should you search for on a viewing? How does putting in an offer on a house work? And what happens when you want to get a mortgage? We will guide 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 obtain up to 100% of the worth of the residential or commercial property. If you are seeking to buy a home and secure a mortgage for it, initially compute the maximum quantity you can obtain on a mortgage. As quickly as you have done that, you can schedule a free orientation conference to discuss your options with a mortgage adviser.

If you have actually currently put in a deal on a home and it has actually been accepted, we will set up a second conference with a mortgage consultant: the mortgage advice 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 repaired or variable rate of interest.
One of our mortgage advisors will assist you make these choices. Make an appointment and you can come in for a conference within 24 hours.

Is my reward factored into the computation of the maximum amount I can obtain on a mortgage?

Sometimes. In determining the optimum amount you can obtain on a mortgage during the orientation meeting, the mortgage adviser will take a look at your salary, but likewise at any bonuses, overtime pay or other types of income.

Just how much do I require in cost savings to purchase a home?

This depends completely on the home you desire to buy and how much you can obtain based upon your earnings. The extra costs you will sustain are likewise an element here. Here's how it works: purchasing a home in the Netherlands involves mortgage advice, a notary and a residential or commercial property appraisal. These are things you need to pay for yourself. These are additional expenses. More about acquiring costs

Some of these costs 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 purchase a home in the Netherlands, but your income is not in euros, however in dollars or pound sterling instead, for example, this need not be a problem. You are still qualified for a mortgage, however the optimum amount you can obtain will generally be lower.

More about earnings in a foreign currency

What if I only have a short-lived house permit?

Even then you can be qualified for a mortgage. It depends upon what kind of short-term home allow you have. And the mortgage conditions will be different to with a permanent residence license.

You must discuss this with a mortgage adviser in a complimentary orientation meeting. After all, a mortgage adviser understands exactly how this operates in your scenario.