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Mortgage calculator

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

Curious about your alternatives for buying a home in 2025? Calculate your mortgage and know how much you can borrow, and just how much you 'd be paying on a monthly basis.

More information about mortgages in the Netherlands

Your mortgage calculation

The maximum amount you can borrow on a mortgage is determined based upon:

- The annuity mortgage with a 30-year term. If you select a various type of mortgage, the regular monthly payment might alter.
- A fixed-rate duration of 10 years. A shorter or longer fixed-rate duration might affect the maximum amount you can borrow on a mortgage.
- A 0.20% customer discount rate. We presume that you either currently have a current account with us or will open one. This will offer 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 rate of interest for a mortgage covered by the Dutch National Mortgage Guarantee.
Include 100% of the allowances

Allowances and particular benefits can be consisted of completely from 1 July 2024 if they are demonstrably repaired, long-lasting, payable in cash and have actually been awarded unconditionally for the candidate's entire employment term. This kind of information is specified on employer's declarations, in work contracts or in a consumer'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 optimum quantity you can borrow on a mortgage is determined based on two things:

- Your income.
- The worth of the residential or commercial property you desire to purchase.
Buying or leasing

If you are currently leasing 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 estimation tool at the top of this page or schedule a totally free orientation meeting to discuss it with a mortgage adviser.

Current mortgage interest rate

The interest you pay on your mortgage impacts your month-to-month mortgage payment. How much you are charged in mortgage interest depends upon the kind of mortgage, for how long the mortgage rate of interest stands for and the quantity obtained 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 rate of interest if your regular monthly earnings is paid into an ABN AMRO current account. This can be earnings from work, your advantages, your pension, income from your own business or income from rental activities. This discount is what we call the 'client discount'. Your present account is part of a payment bundle. The customer discount rate is given just on a fixed rates of interest, and it works from the start of a new fixed-rate duration.

Buying a home in the Netherlands: detailed

What should you try to find on a watching? How does putting in a deal on a house work? And what takes place when you desire to secure a mortgage? We will assist you through the procedure.

Frequently asked concerns about mortgages

How do mortgages operate in the Netherlands?

A mortgage is a loan to buy a home. In the Netherlands, you can borrow as much as 100% of the value of the residential or commercial property. If you are seeking to buy a home and take out a mortgage for it, initially calculate the maximum quantity you can obtain on a mortgage. As quickly as you have done that, you can arrange a totally free orientation meeting to go over your choices with a mortgage advisor.

If you have actually currently put in a deal on a house and it has been accepted, we will set up a 2nd 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 payment of your mortgage.
- a repaired or variable interest rate.
Among our mortgage advisors will help you make these options. Make an appointment and you can come in for a conference within 24 hr.

Is my perk factored into the estimation of the optimum quantity I can obtain on a mortgage?

Sometimes. In calculating the optimum quantity you can obtain on a mortgage throughout the orientation conference, the mortgage advisor will look at your salary, however likewise at any bonuses, overtime pay or other forms 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 incur are also an aspect 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 spend for yourself. These are extra costs. More about acquiring 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 want 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, however the optimum amount you can borrow will generally be lower.

More about income in a foreign currency

What if I just have a temporary house license?

Even then you can be qualified for a mortgage. It depends upon what type of short-lived residence allow you have. And the mortgage conditions will be different to with an irreversible house permit.

You should discuss this with a mortgage advisor in a complimentary orientation meeting. After all, a mortgage adviser knows precisely how this works in your situation.