However, following the 2008 financial crisis regulations were tightened, making it harder for some people to get a Dutch mortgage – although expats are typically not affected if they earn attractive salaries.However, like everywhere else, the self-employed may now find it harder to get a good deal as banks consider entrepreneurs to be more risky.However, costs associated with buying property in the Netherlands total around 6 percent of the purchase price, thus buying Dutch property is more suitable for long-term investments, at least a minimum of five years. There are no formal restrictions for non-Dutch citizens buying Dutch property or applying for a Dutch mortgage.
a permanent employment contract) and a statement from your employer () with details of your contract and salary.
Temporary workers and university researchers/Ph D students will need statements from their employers/universities confirming their position.
Parents who used the one-off exemption in 2015 or 2016 will be able to increase their tax-exemption donation to EUR 100,000 in 2017 as well.
In addition, in 2017 a parent-child relationship will no longer be necessary to quality for the exemption.
In order to arrange a mortgage, an appraisal of the property must be made by a certified appraiser.
This must be an objective third party – not the buyer's agent nor the seller's agent nor another interested party.New laws introduced in 2016 mean that owners of energy-neutral homes will qualify for higher mortgages.If you can't repay your mortgage loan, your home will be at risk of seizure.Read more about tax advantages for expat homebuyers in the Netherlands.How to apply for a Dutch mortgage In the Netherlands, a mortgage is formally arranged after you have made an offer on a property and it has been accepted.Rental housing platform Pararius recorded the average rental price in the Netherlands in 2016 at around EUR 1,365 a month but in Amsterdam the average was EUR 2,200 per month, while in Rotterdam the average was around EUR 1,200 and in The Hague EUR 1,500.