Two limits: income and home value

Your maximum mortgage is limited by two things. First your income: under the Nibud lending standards a fixed share of your gross income may go to housing costs. The higher your income, the bigger that share. Second the value of the home: in principle you borrow no more than 100% of it.

The interest rate counts too: at a lower rate the same monthly payment buys a larger loan. If you choose a fixed-rate period shorter than ten years, the lender uses a fixed test rate instead of your actual rate.

Get an indication

A quick indication based on income and interest rate. Your actual maximum may be higher or lower.

€60,000
€0
4.0%

Indicative maximum mortgage

€269,000

Gross monthly payment approx. €1,285 on a 30-year annuity

Discuss your situation

What else counts?

  • A partner's income counts in full if you buy together.
  • Student debt lowers your maximum. Lenders use your actual monthly repayment to DUO.
  • Other loans, such as a private lease or personal loan, also reduce your borrowing capacity.
  • Business owners and freelancers usually use the average income of the last three years.
  • A temporary contract is not a problem if you have a statement of intent from your employer, or with a labour market scan (Arbeidsmarktscan).
  • Energy efficiency: for an efficient home or energy-saving measures you may borrow a little more.

Frequently asked questions

Can I include the buyer’s costs in the mortgage?

No. In principle you borrow no more than 100% of the home’s value. You pay the buyer’s costs from your own savings.

Does my bonus or 13th month count?

Fixed elements such as holiday pay and a fixed 13th month count. A variable bonus sometimes does, if you receive it structurally. It differs per lender.

How do I get certainty about my maximum?

With a personal calculation based on your employer’s statement or annual accounts. We do that in the first meeting, which is free of charge.

This explanation is general and not personal advice. The calculators give an indication based on the main rules; no rights can be derived from the outcome.