Can you afford a home
in the Netherlands?
Enter your financial details and get an instant breakdown of your borrowing power, monthly costs, and a bidding strategy built for the Dutch market.
Affordability Summary
Calculating…Monthly Costs Breakdown
at max priceOne-Off Closing Costs
estimate at max priceBidding Strategy
Dutch Market 20263–6 Month Closing Timeline
typical Dutch process-
1Get mortgage pre-approval (hypotheekofferte)
Visit 2–3 advisors, gather income docs (3 payslips, employer statement, tax return). Get an official mortgage offer letter to show sellers you're serious.
-
2House hunting & viewings
Register on Funda, Pararius, and local makelaar sites. Budget 3–10 viewings. Dutch buyers average 2–3 bids before success; expats average 3+ bids.
-
3Make an offer & negotiate
Bids are typically verbal first, then in writing. Include conditions: voorbehoud van financiering (financing condition) and bouwkundige keuring (building inspection). The seller has no obligation to accept the highest bid.
-
4Sign purchase agreement (koopakte)
3 business days cooling-off period after signing. Pay the 10% deposit or arrange a bank guarantee. Building inspection done here.
-
5Mortgage finalisation
Submit full mortgage application, valuation report (taxatierapport), and all supporting documents. Bank approves within 2–4 weeks. NHG application submitted here if applicable.
-
6Closing at notary (overdracht)
Final walkthrough, sign transfer deed, pay closing costs. Keys handed over. You are now a Dutch homeowner!