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Mortgage calculator

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

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

More info about mortgages in the Netherlands

Your mortgage computation

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

- The annuity mortgage with a 30-year term. If you decide for a different type of mortgage, the month-to-month payment may change.
- A fixed-rate period of ten years. A much shorter or longer fixed-rate period may affect the optimum amount you can borrow on a mortgage.
- A 0.20% customer discount rate. We presume that you either already have a bank account with us or will open one. This will give you a discount on the mortgage rates of interest, supplied that your salary 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-lasting, payable in money and have been granted unconditionally for the candidate's entire work term. This kind of details is specified on employer's declarations, in employment contracts or in a client's Collective Labour Agreement (CLA).

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

In the Netherlands, you can borrow approximately 100% of the value of the residential or commercial property. The optimum quantity you can borrow on a mortgage is figured out based upon two things:

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

If you are currently leasing and exploring your options to buy a home, and you want to understand how buying a home will impact your monthly outgoings, discover utilizing the calculation tool at the top of this page or schedule a complimentary orientation conference to it with a mortgage advisor.

Current mortgage interest rate

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 legitimate for and the amount obtained 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 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 'client discount rate'. Your bank account becomes part of a payment plan. The customer discount is provided just on a set interest rate, and it takes impact from the start of a brand-new fixed-rate duration.

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 take out 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 obtain as much as 100% of the value of the residential or commercial property. If you are looking to purchase a home and take out a mortgage for it, first calculate the maximum quantity you can borrow on a mortgage. As quickly as you have actually done that, you can arrange a complimentary orientation conference to go over your alternatives with a mortgage adviser.

If you have actually already put in a deal on a home and it has actually been accepted, we will establish a 2nd meeting with a mortgage adviser: the mortgage advice conference. That is when you choose:

- 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.
One of our mortgage advisors will help you make these choices. Make a consultation and you can come in for a conference within 24 hours.

Is my bonus factored into the calculation of the maximum amount I can obtain on a mortgage?

Sometimes. In calculating the optimum amount you can obtain on a mortgage throughout the orientation meeting, the mortgage adviser will look at your income, but also at any rewards, 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 wish to buy and just how much you can obtain based on your income. The additional costs you will sustain are likewise a factor here. Here's how it works: purchasing a home in the Netherlands includes mortgage suggestions, a notary and a residential or commercial property evaluation. These are things you have to spend for yourself. These are additional costs. More about buying expenses

A few 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 various currency?

If you wish to purchase a home in the Netherlands, however your income is not in euros, however in dollars or pound sterling rather, 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 earnings in a foreign currency

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

Even then you can be qualified for a mortgage. It depends upon what kind of momentary home allow you have. And the mortgage terms will be various to with a permanent residence license.

You need to discuss this with a mortgage consultant in a complimentary orientation conference. After all, a mortgage adviser understands exactly how this operates in your circumstance.