Loans, alimony, or other fixed costs per month
Max Koopprijs
€ 267.500
Max Hypotheek
€ 247.500
Income Multiple
Dutch banks typically lend around 4.5 times your gross annual income. The exact amount depends on your interest rate, existing debts, and whether you have a partner. The Nibud (National Institute for Budget Information) sets the lending norms that all banks must follow.
You can borrow up to 100% of the property value for your primary residence. However, you will need your own money for extra costs like notary fees, property survey, and overdrachtsbelasting (transfer tax). Budget around 4-6% of the koopprijs for these costs.
Yes. If you buy with a partner, both incomes are used to calculate the maximum mortgage. This can increase your borrowing power by a large amount. Both incomes must be verifiable with an employer statement or tax return.
Note: This is an estimate based on standard Nibud norms. Your actual maximum mortgage depends on your personal situation. Always consult a hypotheekadviseur for a binding offer.
Disclaimer: This calculator provides estimates based on current HMRC rates and thresholds for the 2025/26 tax year. It does not constitute professional tax, financial, or legal advice. Your actual liability may differ depending on your individual circumstances. Always consult a qualified accountant or tax adviser before making financial decisions. Read our terms
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