Analysts point out that cheap mortgages will fuel demand in the real estate market, which will push up real estate prices in the country. But since the new year, rates have dropped to 1.23%. In the Netherlands, after January 1, 2021, the mortgage rate fell to a record low of 1.23% per annum.Īccording to, a month earlier the mortgage was issued for 20 years at 1.48% per annum. If you have a temporary residence permit - it is also a type 1 residence permit (Verblijfsvergunning voor bepaalde tijd), then it will be difficult for you to find a bank or credit organization willing to work with you.

Proof of your right to reside in the Netherlands (residence permit).

At least 3 salary statements from your current employer.

If your contract has a probationary period, then your mortgage request will not be considered until it ends (even if the contract is permanent or there is a WGV).

A permanent work contract (or temporary, but then it must be accompanied by a statement by the employer that after the end of the temporary contract he intends to issue you a permanent one - Werkgeversverklaring or WGV).

What documents are now required for employees to obtain a mortgage This fact may make it easier in the future to obtain a mortgage to buy your own home.

In the Netherlands, many have rented a home for 1,000 euros per month or more, for many years. Namely - how conscientiously and for how long the borrower paid for the already existing obligations. The time is ripe for change: the parliament proposes to take into account not only income, but also expenses when obtaining a loan. When obtaining a mortgage loan, banks take into account income first.

Mortgage payment