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Mortgage calculator

Find out your monthly payment and how much you can obtain

Curious about your choices for purchasing a home in 2025? Calculate your mortgage and understand just how much you can obtain, and how much you 'd be paying every month.

More details about mortgages in the Netherlands

Your mortgage calculation

The maximum quantity you can borrow on a mortgage is computed based on:

- The annuity mortgage with a 30-year term. If you go with a different kind of mortgage, the month-to-month payment may alter.
- A fixed-rate duration of ten years. A much shorter or longer fixed-rate duration might impact the optimum quantity you can obtain on a mortgage.
- A 0.20% customer discount rate. We assume that you either already have an existing account with us or will open one. This will give you a discount rate on the mortgage rates of interest, supplied that your wage is paid into an ABN AMRO account.
- For mortgages under EUR 450,000, we use the interest rate for a mortgage covered by the Dutch National Mortgage Guarantee.
Include 100% of the allowances

Allowances and specific benefits can be consisted of completely from 1 July 2024 if they are demonstrably repaired, long-lasting, payable in cash and have been granted unconditionally for the candidate's entire work term. This type of details is defined on company's declarations, in employment contracts or in a customer's Collective Labour Agreement (CLA).

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

In the Netherlands, you can obtain up to 100% of the value of the residential or commercial property. The maximum quantity you can borrow on a mortgage is identified based on 2 things:

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

If you are currently renting and exploring your choices to buy a home, and you need to know how buying a home will impact your regular monthly outgoings, learn using the calculation tool at the top of this page or schedule a totally free orientation conference to discuss it with a mortgage consultant.

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 type of mortgage, the length of time the mortgage rate of interest is valid for and the amount borrowed on the mortgage compared to the value of the residential or commercial property.

Discount on your mortgage rates of interest

You get a discount on the mortgage rates of interest if your month-to-month income is paid into an ABN AMRO bank account. This can be income from employment, your benefits, your pension, income from your own service or earnings from rental activities. This discount rate is what we call the 'customer discount rate'. Your current account is part of a payment package. The client discount is provided only on a fixed rate of interest, and it works from the start of a brand-new fixed-rate period.

Buying a home in the Netherlands: detailed

What should you search for on a viewing? How does putting in an offer on a home work? And what occurs when you want to secure a mortgage? We will guide you through the process.

Frequently asked questions about mortgages

How do mortgages work in the Netherlands?

A mortgage is a loan to purchase a home. In the Netherlands, you can borrow up to 100% of the value of the residential or commercial property. If you are wanting to buy a home and get a mortgage for it, first determine the optimum amount you can borrow on a mortgage. As soon as you have actually done that, you can schedule a totally free orientation conference to discuss your choices with a mortgage adviser.

If you have already put in an offer on a house and it has actually been accepted, we will set up a 2nd meeting with a mortgage adviser: the mortgage guidance conference. 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.
One of our mortgage advisers will assist you make these options. Make a consultation and you can come in for a conference within 24 hr.

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

Sometimes. In determining the optimum quantity you can borrow on a mortgage during the orientation conference, the mortgage advisor will take a look at your salary, however likewise at any perks, overtime pay or other types of earnings.

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

This depends entirely on the home you desire to buy and how much you can borrow based upon your earnings. The extra expenses you will sustain are likewise a factor here. Here's how it works: buying a home in the Netherlands involves mortgage suggestions, a notary and a residential or commercial property assessment. These are things you have to spend for yourself. These are extra expenses. More about buying expenses

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 earnings in a different currency?

If you wish to purchase a home in the Netherlands, but your earnings 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, however the optimum amount you can borrow will normally be lower.

More about earnings in a foreign currency

What if I just have a temporary residence authorization?

Even then you can be eligible for a mortgage. It depends on what kind of short-term residence allow you have. And the mortgage terms will be various to with an irreversible residence authorization.

You need to discuss this with a mortgage adviser in a totally free orientation conference. After all, a mortgage advisor knows exactly how this operates in your situation.