Hypotheek Calculator - Maandlasten Berekenen

How the Mortgage Calculator Works

1. 01Enter the property price and your available down payment
2. 02Set the mortgage interest rate and loan term (typically 30 years in the Netherlands)
3. 03Choose between annuity (fixed monthly payment) or linear (decreasing payment) repayment
4. 04View 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

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