Max Mortgage Estimator
Get a realistic estimate of how much you can borrow based on the latest Dutch rules and interest rates.
Your Details
€
Include holiday allowance (8%) and 13th month if applicable.
Buying with a partner?
Note: This is a simplified estimation based on 3.8% interest (10-year fixed). Exact amounts depend on your specific bank, credit history (BKR), and current energy label of the house.
Estimated Maximum Mortgage
€ 276.000
Estimated Gross Monthly
€ 1.286
Estimated Net Monthly (after tax return)
€ 926
NHG Eligible
Your max mortgage is under the €470,000 limit. You can get a loan with NHG (National Mortgage Guarantee), which offers lower interest rates.
Read more about NHG0%
Transfer Tax
Good news! Because you are under 35 and your max mortgage is below €510,000, you may be fully exempt from the 2% transfer tax (overdrachtsbelasting).
Estimated Cost: €0