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Mortgage calculator

Find out your month-to-month payment and how much you can obtain

Curious about your options 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 information about mortgages in the Netherlands

Your mortgage estimation

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

- The annuity mortgage with a 30-year term. If you select a different kind of mortgage, the monthly payment might change.

- A fixed-rate duration of ten years. A much shorter or longer fixed-rate period may impact the optimum quantity you can borrow on a mortgage.

- A 0.20% client discount rate. We assume that you either currently have a current account with us or will open one. This will offer you a discount on the mortgage rates of interest, provided that your wage is paid into an ABN AMRO account.

- For mortgages under EUR 450,000, we use 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 included completely from 1 July 2024 if they are demonstrably repaired, long-term, payable in money and have actually been granted unconditionally for the applicant's whole work term. This type of details is defined on employer's statements, in employment agreement 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 borrow approximately 100% of the value of the residential or commercial property. The maximum quantity you can obtain on a mortgage is identified based upon 2 things:

- Your income.

- The worth of the residential or commercial property you wish to purchase.


Buying or leasing

If you are presently renting and exploring your choices to purchase a home, and you would like to know how purchasing a home will affect your regular monthly outgoings, discover out utilizing the estimation tool at the top of this page or schedule a complimentary orientation meeting to discuss it with a mortgage adviser.

Current mortgage rate of interest

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 type of mortgage, the length of time the mortgage rates 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 income is paid into an ABN AMRO existing account. This can be earnings from employment, your benefits, your pension, earnings from your own company or earnings from rental activities. This discount is what we call the 'client discount rate'. Your current account is part of a payment package. The customer discount rate is provided only on a fixed rate of interest, and it takes impact from the start of a brand-new fixed-rate duration.

Buying a home in the Netherlands: step-by-step

What should you look for on a watching? How does putting in an offer on a home work? And what takes place when you want to take out a mortgage? We will direct you through the procedure.

Frequently asked questions about mortgages

How do mortgages operate in the Netherlands?

A mortgage is a loan to purchase a home. In the Netherlands, you can obtain up to 100% of the worth of the residential or commercial property. If you are aiming to buy a home and take out a mortgage for it, first determine the maximum quantity you can obtain on a mortgage. As soon as you have actually done that, you can arrange a complimentary orientation conference to go over your alternatives with a mortgage advisor.

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

- 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.


Among our mortgage advisors will assist you make these choices. Make a visit and you can come in for a meeting within 24 hr.

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

Sometimes. In computing the optimum amount you can borrow on a mortgage during the orientation meeting, the mortgage consultant will look at your income, but also at any benefits, overtime pay or other forms of income.

How much do I need in cost savings to purchase a home?

This depends totally on the home you wish to purchase and just how much you can obtain based on your income. The extra costs you will sustain are also a factor here. Here's how it works: purchasing a home in the Netherlands involves mortgage suggestions, a notary and a residential or commercial property valuation. These are things you have to spend for yourself. These are additional expenses.
More about acquiring expenses

A few of these expenses are tax-deductible, you can deduct them from your taxable pay on your tax return.
More about tax breaks

How does it deal with foreign income in a different currency?

If you wish to purchase a home in the Netherlands, however your earnings is not in euros, but in dollars or pound sterling rather, for instance, this need not be an issue. You are still eligible for a mortgage, however the optimum amount you can borrow will normally be lower.

More about income in a foreign currency

What if I just have a temporary house permit?

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

You need to discuss this with a mortgage advisor in a complimentary orientation meeting. After all, a mortgage consultant understands exactly how this works in your circumstance.