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Mortgage calculator

Learn your regular monthly payment and just how much you can borrow

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

More information about mortgages in the Netherlands

Your mortgage calculation

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

- The annuity mortgage with a 30-year term. If you select a various kind of mortgage, the month-to-month payment might alter.
- A fixed-rate duration of 10 years. A shorter or longer fixed-rate period might impact the optimum quantity you can obtain on a mortgage.
- A 0.20% client discount. We presume that you either already have an existing account with us or will open one. This will give you a discount on the mortgage interest rate, supplied that your salary is paid into an ABN AMRO account.
- For mortgages under EUR 450,000, we utilize 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 included completely from 1 July 2024 if they are demonstrably repaired, long-term, payable in money and have been awarded unconditionally for the applicant's whole employment term. This kind of info is defined on employer's statements, in employment agreement or in a client's Collective Labour Agreement (CLA).

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

In the Netherlands, you can obtain as much as 100% of the value of the residential or commercial property. The maximum quantity you can obtain on a mortgage is figured out based upon two things:

- Your earnings.
- The worth of the residential or commercial property you wish to buy.
Buying or renting

If you are currently renting and exploring your options to purchase a home, and you would like to know how purchasing a home will impact your regular monthly outgoings, learn using the calculation tool at the top of this page or schedule a free orientation meeting to discuss it with a mortgage advisor.

Current mortgage rates of interest

The interest you pay on your mortgage affects your regular monthly mortgage payment. How much you are charged in mortgage interest depends on the kind of mortgage, for how long the mortgage rate of interest stands for and the quantity borrowed on the mortgage compared to the value of the residential or commercial property.

Discount on your mortgage rate of interest

You get a discount on the mortgage rates of interest if your monthly earnings is paid into an ABN AMRO present account. This can be earnings from employment, your advantages, your pension, earnings from your own business or income from rental activities. This discount rate is what we call the 'customer discount'. Your existing account is part of a payment bundle. The client discount is provided just on a fixed rates of interest, and it takes result from the start of a 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 occurs when you desire to take out a mortgage? We will guide 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 approximately 100% of the worth of the residential or commercial property. If you are aiming to buy a home and get a mortgage for it, initially determine the maximum quantity you can obtain on a mortgage. As quickly as you have actually done that, you can schedule a totally free orientation meeting to discuss your alternatives with a mortgage consultant.

If you have already put in a deal on a house and it has been accepted, we will set up a 2nd conference with a mortgage advisor: 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 rate of interest.
Among our mortgage advisers will assist you make these options. Make a consultation and you can come in for a meeting within 24 hours.

Is my reward factored into the calculation of the maximum amount I can borrow on a mortgage?

Sometimes. In computing the maximum quantity you can obtain on a mortgage during the orientation conference, the mortgage adviser will look at your salary, but likewise at any bonuses, overtime pay or other types of income.

How much do I require in savings to buy a home?

This depends totally on the home you wish to buy and how much you can borrow based upon your earnings. The extra expenses you will sustain are also an element here. Here's how it works: buying a home in the Netherlands includes mortgage recommendations, a notary and a residential or commercial property assessment. These are things you need to pay for yourself. These are extra costs. More about acquiring costs

Some 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, however in dollars or pound sterling rather, for instance, this need not be an issue. You are still qualified for a mortgage, but the maximum amount you can obtain will usually be lower.

More about income in a foreign currency

What if I just have a temporary residence authorization?

Even then you can be qualified for a mortgage. It depends upon what type of momentary house permit you have. And the mortgage terms will be different to with an irreversible house authorization.

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