What Is The Dutch National Mortgage Guarantee
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Mortgages
Care-free living with a mortgage that's right for you
Just relocated to the Netherlands and trying to find a home to purchase? We'll assist you along, step by step. Read everything there is to learn about mortgages and the housing market in the Netherlands. Or talk to one of our English-speaking experts.
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Buying a home in the Netherlands: step-by-step
What should you search for on a viewing? How does putting in a deal on a home work? And what happens when you want to secure a mortgage? We will assist you through the process.
Reasons for securing a mortgage from ABN AMRO
Support from A to Z
An individual mortgage advisor: from the early stages of your home hunt till the mortgage has actually been protected.
25 years' experience
Dutch mortgage market leader and specialist in expats.
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The entire process and mortgage application are in English, with English-speaking mortgage advisors.
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Free orientation seek advice from
The very first meeting with a mortgage consultant is constantly free. In one hour, they will go over your individual scenario with you, and what you are searching for in a brand-new home and mortgage. Afterwards, you will receive an orientation report with a comprehensive mortgage estimation.
Frequently asked questions about mortgages
Can I get a discount on my mortgage rates of interest?
Yes, in a lot of cases you can get a discount rate on your mortgage rate of interest with ABN AMRO.
- If you already bank with ABN AMRO and your month-to-month earnings is paid into your ABN AMRO bank account, you certify for a customer discount rate. 'Monthly income' can be income from employment, your benefits, your pension, earnings from your own business or earnings from rental activities.
More about the client discount
- If you are buying a home with energy label B, A or higher, you will get a sustainability discount rate on the mortgage interest rate. This also applies when you remodel your home to increase the energy label to A or B and register the brand-new energy label within 24 months of the start of your fixed-rate duration. Your (brand-new) fixed-rate duration will have begun on or after 1 August 2021.
More about our sustainability discount rate.
What about tax breaks when buying a home?
When purchasing a home in the Netherlands, your mortgage interest might be tax-deductible. If so, you can subtract the interest you pay on your mortgage from your gross income on your tax return. Some of the costs and costs you incur in buying a home are likewise tax-deductible.
More about tax breaks
What is the Dutch National Mortgage Guarantee?
When purchasing a home, you can opt to take out a mortgage that consists of the Dutch National Mortgage Guarantee (NHG). This indicates that your mortgage is guaranteed by the Dutch Homeownership Guarantee Fund (Stichting Waarborgfonds Eigen Woningen), so your danger and your rate of interest will both be lower.
More about NHG
How do mortgages work in the Netherlands?
A mortgage is a loan to purchase a home. In the Netherlands, you can borrow approximately 100% of the value of the residential or commercial property. If you are looking to purchase a home and get a mortgage for it, first determine the maximum quantity you can obtain on a mortgage. As quickly as you have done that, you can arrange a free orientation conference to review your options with a mortgage advisor.
If you have currently put in a deal on a house and it has been accepted, we will set up a second conference with a mortgage adviser: the mortgage suggestions meeting. That is when you choose:
- the Budget Mortgage (Budget Hypotheek) or the Home Mortgage (Woning Hypotheek).
- the mortgage type for repayment of your mortgage o a repaired or variable rate of interest.
Can I take out a mortgage myself or do I require mortgage recommendations?
This depends upon how much you learn about mortgages and your experience with mortgages.
Do you have a clear image of your monetary scenario? And do you know enough about mortgages to be able to estimate your threats and the consequences of the options you make? If you can answer 'yes' to both these concerns, you can take the Mortgage Self-Service alternative. While a mortgage coach will then help you with your mortgage application, you will not get mortgage advice. It likewise means that you will not be charged any suggestions fees, simply a dealing with charge.
More about Mortgage Self-Service
If you decide you desire some guidance after all on the options you mean to make, you can always change to the Mortgage With Advice option. One of our mortgage advisers will then help you with suggestions on the mortgage type, rate of interest and term, and they will discuss the risks of your choices for now and in the future.
