Hypotheek Calculator — Maandlasten Berekenen
Calculate Dutch mortgage payments, interest, and total cost. Compare annuity vs linear repayment. Free online hypotheek calculator.
Dutch Mortgage Calculator — Annuity & Linear Repayment
In the Netherlands, the most common mortgage type is the annuity mortgage (annuïteitenhypotheek), where monthly payments stay the same but the interest/principal ratio shifts over time. Linear mortgages (lineaire hypotheek) have decreasing payments. This calculator shows monthly payments, total interest, and total cost.
Enter the property price, your down payment (eigen inbreng), the interest rate, and the loan term. The calculator shows your monthly payment, total interest over the full term, and an amortization schedule that breaks down each year's principal and interest portions.
With an annuity mortgage, you pay more interest in the early years and more principal later. A linear mortgage starts with higher payments that decrease over time as the outstanding balance shrinks. Over the full term, a linear mortgage costs less in total interest, but the higher initial payments require more income at the start.
Dutch mortgage interest is tax-deductible (hypotheekrenteaftrek) for the duration of the loan, up to 30 years. This deduction applies at your top tax bracket rate, currently 36.97% or 49.50%. The NHG guarantee (Nationale Hypotheek Garantie) is available for properties below a set threshold and typically reduces your interest rate by 0.3-0.6 percentage points.
This calculator provides estimates for comparison purposes. Actual mortgage offers depend on your income, existing debts, property valuation, and the lender's conditions. For salary-related calculations, use our Dutch Salary Calculator to determine your net income.
How the Mortgage Calculator Works
- Enter the property price and your available down payment
- Set the mortgage interest rate and loan term (typically 30 years in the Netherlands)
- Choose between annuity (fixed monthly payment) or linear (decreasing payment) repayment
- View your monthly payment, total interest paid, and a year-by-year amortization schedule
Dutch Mortgage Essentials
In the Netherlands, you can typically borrow up to 100% of the property value (woningwaarde). Mortgage interest is tax-deductible (hypotheekrenteaftrek) for up to 30 years, but only for annuity or linear mortgages — not interest-only. The NHG (Nationale Hypotheek Garantie) provides a government-backed guarantee for mortgages under a set threshold, which usually means a lower interest rate. Always compare offers from multiple lenders, as rates can differ by 0.5% or more.
When to Use the Mortgage Calculator
Use this calculator when exploring Dutch property purchases, comparing mortgage types (annuity vs. linear), estimating monthly payments at different interest rates, or preparing for a conversation with a mortgage advisor. It helps you understand how purchase price, down payment, interest rate, and loan term affect your monthly obligations and total cost of borrowing.
Common Use Cases
- •Estimate monthly payments for a new home purchase in the Netherlands
- •Compare total costs between annuity and linear mortgage types
- •Calculate the impact of different interest rates on monthly payments
- •Determine how extra down payment reduces monthly obligations and total interest
- •Prepare financial overview for mortgage advisor consultations Bruto/Netto Calculator — Dutch Salary 2026
Expert Tips
- ✱Compare both annuity and linear options — linear costs less total interest but requires higher income qualification due to higher initial payments.
- ✱Factor in additional costs beyond the purchase price: transfer tax (overdrachtsbelasting, 2% or 10.4%), notary fees, advisor fees, and valuation (taxatie) costs.
- ✱Interest rates vary significantly between lenders — always compare at least 3-5 offers. A 0.3% rate difference on a €300,000 mortgage saves thousands over the term.
- ✱Consider the fixed-rate period carefully. Longer periods (20-30 years) provide payment certainty but typically have higher rates than shorter periods (5-10 years).
Frequently Asked Questions
- An annuity mortgage has equal monthly payments throughout the term, but the proportion going to interest vs. principal shifts over time. A linear mortgage pays a fixed amount of principal each month plus declining interest, so payments start higher and decrease. Over the full term, a linear mortgage costs less in total interest.
- Dutch regulations allow borrowing up to 100% of the property's market value (marktwaarde). Your maximum mortgage depends on your income, existing debts, interest rates, and the lender's criteria. A licensed mortgage advisor (hypotheekadviseur) can calculate your exact borrowing capacity.
- NHG is a government-backed guarantee for mortgages below a set threshold (currently around €435,000). It protects both borrower and lender in case of forced sale. Benefits include lower interest rates (typically 0.3-0.6% reduction) and a safety net if you can no longer pay due to circumstances beyond your control.
- Yes, for your primary residence (eigen woning). Interest on annuity and linear mortgages is deductible for up to 30 years. The deduction is applied at your highest tax bracket rate. Interest-only mortgages taken after 2013 are not eligible for tax deduction.
What is the difference between annuity and linear mortgages?▾
How much can I borrow in the Netherlands?▾
What is NHG (Nationale Hypotheek Garantie)?▾
Is mortgage interest tax-deductible in the Netherlands?▾
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