10.0% of koopprijs (LTV: 90.00%)
Maandlasten
€ 1.503,86
Hypotheek Bedrag
€ 315.000,00
LTV
| Jaar | Aflossing | Rente | Restschuld |
|---|---|---|---|
| 1 | € 5.547,29 | € 12.499,03 | € 309.452,71 |
| 2 | € 5.773,29 | € 12.273,03 | € 303.679,42 |
| 3 | € 6.008,50 | € 12.037,82 | € 297.670,92 |
| 4 | € 6.253,30 | € 11.793,02 | € 291.417,62 |
| 5 | € 6.508,07 | € 11.538,25 | € 284.909,55 |
Hypotheekrenteaftrek is a Dutch mortgage interest deduction. If the property is your main home (eigen woning), you can deduct the mortgage interest from your taxable income in Box 1. This can save you a large amount of tax each year. The deduction only applies to annuity or linear mortgages, not interest-only loans taken after 2013.
Yes, in the Netherlands you can borrow up to 100% of the property value for your primary residence. This is different from most other countries where a deposit is needed. However, you still need to pay for costs such as the notary, transfer tax (overdrachtsbelasting), and advisor fees out of your own pocket.
The two main types are annuity (annuiteiten) and linear. An annuity mortgage has fixed monthly payments that start with more interest and shift to more principal over time. A linear mortgage has decreasing payments because you repay the same amount of principal each month. Both qualify for hypotheekrenteaftrek.
Note: This calculator shows annuity mortgage repayments. The hypotheekrenteaftrek deduction is not included in the monthly payment shown. Speak to a hypotheekadviseur for personal advice.
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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