inngoaholidays

I desire to ...

Spend for my own
Invest with guidance
Compare funds
Start investing
Read more about investing
Place an order
All insurances

Car insurance coverage
Home contents insurance coverage
Home insurance
Personal liability insurance coverage
Annual travel insurance coverage
Short-term travel insurance coverage
Legal expenses insurance
Student insurance
All about ...

Home insurances
Travel insurance coverages
Submitting a claim
Changing your insurance coverage
Cancelling your insurance coverage
Pension

Develop pension
Pension savings
Pension financial investment
Pay out pension (in Dutch).
Build up in 3 steps

Pension check.
Calculate annual margin.
Open pension account.
Get a EUR30 perk

Invest with BUX Plus or BUX Prime and get a EUR30 bonus. Please note: you might lose your preliminary financial investment.

Specially for

Expats.
Students.
Minors.
Preferred Banking.
Athletes & entertainers.
Financial themes.
Expats

Savings account.
Children's account.
Credit cards.
Mortgages.
Insurances.
Investments.
Loans.
.
Moving to the Netherlands.
Tips.
Events.
International Clients Desk.
Relocation experts.
All items for expats.
Students

Bank account for students.
Medical Student Package.
Student Credit Card.
Insurance for trainees.
All items for students.
Internet Banking.
Paying.
Block your debit card.
Foreign transfers.
Tips to conserve cash.
Minors

Children's bank account.
KidsFuture Savings Account.
Tips for expat moms and dads.
Gimi app.
Preferred Banking

About Preferred Banking.
Become a customer.
Contact us.
Inspiration and suggestions.
Exclusive advantages.
More about Preferred Banking.
Athletes & entertainers

Top professional athletes & entertainers.
Contact us.
Financial styles

Life after graduation.
Relocating together.
Sustainability.
Bereavement.
Better grip on your financial resources.
All monetary styles.
Preferred Banking

Get in touch with our advisors, gain clever insights from our professionals and experience distinct benefits.

App and Internet Banking

ABN AMRO app.
Electronic banking.
Assist with electronic banking.
More apps.
Secure banking.
ABN AMRO app

About the ABN AMRO app.
Activate the ABN AMRO app.
Visit with the ABN AMRO app.
Help using the ABN AMRO app.
Secure banking with the app.
Internet Banking

About Electronic banking.
Log in to Electronic Banking.
What is where?
Help utilizing Internet Banking.
E.dentifier.
Help with electronic banking

Help using the ABN AMRO app.
Help utilizing Internet Banking.
Accessibility.
Our apps

Tikkie.
Secure banking

Recognising fraud.
Reporting fraud.
Preventing scams.
Fraud and safe banking.
Menu

Home.
Products.
Specially for.
Service and Contact.
Mortgage calculator

Learn your month-to-month payment and just how much you can obtain

Curious about your options for buying a home in 2025? Calculate your mortgage and know just how much you can borrow, and just how much you 'd be paying every month.

More details about mortgages in the Netherlands

Your mortgage computation

The optimum quantity you can obtain on a mortgage is computed based on:

- The annuity mortgage with a 30-year term. If you choose a different type of mortgage, the regular monthly payment might alter.
- A fixed-rate period of ten years. A shorter or longer fixed-rate period may impact the optimum amount you can borrow on a mortgage.
- A 0.20% customer discount. We assume that you either currently have an existing account with us or will open one. This will give you a discount rate on the mortgage rate of interest, supplied that your wage 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 consisted of fully from 1 July 2024 if they are demonstrably repaired, long-term, payable in cash and have been granted unconditionally for the applicant's entire employment term. This type of information is specified on company's declarations, in employment agreements or in a customer'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 worth of the residential or commercial property. The optimum amount you can obtain on a mortgage is determined based on 2 things:

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

If you are presently renting and exploring your alternatives to buy a home, and you would like to know how purchasing a home will affect your month-to-month outgoings, discover out using the calculation tool at the top of this page or schedule a complimentary orientation conference 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 upon the kind of mortgage, for how long the mortgage rates of interest is legitimate for and the amount borrowed on the mortgage compared to the value of the residential or commercial property.

Discount on your mortgage interest rate

You get a discount rate on the mortgage rates of interest if your month-to-month income is paid into an ABN AMRO current account. This can be income from employment, your advantages, your pension, earnings from your own business or earnings from rental activities. This discount rate is what we call the 'customer discount'. Your present account belongs to a payment bundle. The client discount rate is given just on a set rates of interest, and it works from the start of a brand-new fixed-rate duration.

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

What should you search for on a watching? How does putting in an offer on a house work? And what occurs when you desire to get a mortgage? We will direct you through the procedure.

Frequently asked questions about mortgages

How do mortgages work 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 purchase a home and secure a mortgage for it, first determine the optimum amount you can borrow on a mortgage. As soon as you have done that, you can arrange a complimentary orientation meeting to go over your choices with a mortgage consultant.

If you have actually already put in an offer on a home and it has been accepted, we will set up a second conference with a mortgage consultant: the mortgage guidance meeting. 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 repaired or variable interest rate.
One of our mortgage consultants will help you make these choices. Make an appointment and you can come in for a meeting within 24 hr.

Is my bonus factored into the estimation of the optimum quantity I can borrow on a mortgage?

Sometimes. In determining the maximum quantity you can borrow on a mortgage throughout the orientation meeting, the mortgage advisor will take a look at your wage, but likewise at any bonus offers, overtime pay or other types of income.

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

This depends totally on the home you wish to purchase and just how much you can borrow based upon your income. The additional costs you will sustain are also a factor here. Here's how it works: buying a home in the Netherlands involves mortgage advice, a notary and a residential or commercial property appraisal. These are things you need to pay for yourself. These are additional expenses. More about purchasing expenses

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

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

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

More about earnings in a foreign currency

What if I only have a momentary home license?

Even then you can be eligible for a mortgage. It depends on what kind of momentary home allow you have. And the mortgage terms and conditions will be different to with a permanent house license.

You need to discuss this with a mortgage consultant in a free orientation meeting. After all, a mortgage adviser knows precisely how this works in your circumstance.