Energy efficient home? You may be able to get a higher mortgage in 2024
2 years, 1 month ago

Energy efficient home? You may be able to get a higher mortgage in 2024

Dutch News  

Guidelines covering how much people can borrow to finance buying a house will change next year so that people can borrow slightly more, housing minister Hugo de Jonge has announced. But given that wages are also rising and measures are being brought in to curb the impact of energy bills, there is room for people to borrow more, De Jonge said. The change means that dual income households will be able to include 100% of the second income in calculating how much they can borrow, not 90% as at present from next year. Houses which are very energy efficient have lower bills and that means households have more scope to borrow higher amounts, De Jonge said.

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History of this topic

Home seekers, sellers expect more overbidding on Dutch housing market: Funda
1 year, 2 months ago

Home seekers, sellers expect more overbidding on Dutch housing market: Funda

NL Times  

Both potential buyers and sellers in the Dutch housing market expect overbidding to increase in the coming period, reported Funda, the Netherlands’ main site for people looking to buy or sell a home. 60 percent of Funda’s respondents said that the current housing supply is very limited - a perception that may increase overbidding as home seekers become desperate to …

Energy efficient home? You may be able to get a higher mortgage in 2024
2 years, 1 month ago

Energy efficient home? You may be able to get a higher mortgage in 2024

Dutch News  

Guidelines covering how much people can borrow to finance buying a house will change next year so that people can borrow slightly more, housing minister Hugo de Jonge has announced. But given that wages are also rising and measures are being brought in to curb the impact of energy bills, there is room for people to borrow more, De Jonge …

Netherlands to offer higher mortgages for energy efficient homes from 2024
2 years, 1 month ago

Netherlands to offer higher mortgages for energy efficient homes from 2024

NL Times  

From 2024, Netherlands residents may be able to get a higher mortgage for an energy-efficient home than for a home with a lower energy label. According to Minister Hugo de Jonge for Housing, people who pay less for energy because their homes are well insulated, for example, can responsibly afford a higher mortgage. Currently, mortgage lenders look at the total …

Dutch housing update: prices are down, interest is up
2 years, 2 months ago

Dutch housing update: prices are down, interest is up

Dutch News  

A round-up of the latest housing news, brought to you by Expat Mortgages. House prices and interest rates There are now real signs that the overheated Dutch housing market is cooling down, as interest rates rise and buyers are faced with less borrowing capacity. ‘After all, think of what you will end up paying in rent.’ Legal changes There was …

Dutch housing update: prices are down, interest is up
2 years, 2 months ago

Dutch housing update: prices are down, interest is up

Dutch News  

A round-up of the latest housing news, brought to you by Expat Mortgages. House prices and interest rates There are now real signs that the overheated Dutch housing market is cooling down, as interest rates rise and buyers are faced with less borrowing capacity. ‘After all, think of what you will end up paying in rent.’ Legal changes There was …

Gov't could decrease mortgage lending limit due to higher living expenses
2 years, 2 months ago

Gov't could decrease mortgage lending limit due to higher living expenses

NL Times  

Budget institute Nibud will likely advise the government to reduce the mortgage lending limit next year. Inflation and skyrocketing energy prices mean that living expenses are rising fast, so people should lend less to avoid getting into financial trouble, Het Parool reports. But the unprecedented high energy prices and inflation will probably mean Nibud will restrict the maximum amount people …

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