Transfer tax
Transfer tax exemption limit is set at 525.000 EUR (2025). You will pay no transfer tax (*) if you buy a home in The Netherlands, are < 35 years of age (date of transfer of ownership at the notary office is leading, not day of signing the purchase contract !), the home will be your main residence and you are a first time applicant for the exemption (even if it is not your first main residence and you do meet all other requirements !).
In all other cases you will pay 10,4% (regular percentage) or 2% transfer tax (main residence) (*) Transfer tax is a governmental tax levied of the purchase price of a home if legal ownership transfers from A to B.
NHG (National Mortgage Loan Warranty)
Cost limit 2024 is 450.000 EUR. If you want to invest in energy saving measures (EBV) even up to maximum of 477.000 EUR. For more info about N.H.G. check this page.
NHG One off contribution will drop from 0.6% off the loan amount to 0,4% off the loan amount per 1-1-2025.
Energy label
The energy label of the house you will purchase co determines the max to borrow amount. The better the energy label the higher the extra amount you can borrow on top of your regular max Loan to Income amount.
| Energy label current home | Amount to be left out for determining max loan to income amount |
| E, F, G | + 0 EUR |
| C, D | + 5.000 EUR |
| A, B | + 10.000 EUR |
| A+ up to and including A++ | + 20.000 EUR |
| A+++ | + 30.000 EUR |
| A++++ excl. “energieprestatiegarantie” | + 40.000 EUR |
| A++++ incl. “energieprestatiegarantie” for minimum of 10 years | + 50.000 EUR |
If you want to renovate / invest in energy saving measures you can borrow extra => depending on the energy label of your house
| Energy Label | Extra Amount |
| E, F, G | + 20.000 EUR |
| C, D | + 15.000 EUR |
| A, B, A+ tm A+++ | + 10.000 EUR |
| A ++++ and better | + 0 EUR |
Study Loan
Your study loan (registered at DUO) is considered a financial commitment. Per 1-1-2025 this financial commitment will be assessed in a different way than before. The monthly amount you pay (see DUO.NL) will be grossed up by this column (in order to determine the influence of your study loan on the maximum loan amount for your mortgage loan). Please let us know if you want us to calculate the consequences of you study loan on your maximum loan amount.
Vanaf 2025 moeten hypotheekaanbieders het termijnbedrag van studieschulden berekenen op basis van de actuele restschuld, rente en resterende looptijd. Dit geldt voor situaties waarin:
- De consument nog geen termijnbedrag betaalt vanwege een aflosvrije periode.
- Een verlaagd termijnbedrag wordt gerekend op basis van draagkracht.
- De consument zich nog in de aanloopfase bevindt, waarin geen aflossing verschuldigd is.
Door de werkelijke studieschuldlasten nauwkeuriger te bepalen, wordt voorkomen dat consumenten met een lage (of tijdelijke) aflossingsverplichting een te hoge hypotheek aangaan, wat tot betalingsproblemen kan leiden.
Singles
Singles can borrow 17.000 EUR extra (Loan to Income) in 2025 (2024; 16.000 EUR). Their income must be minimum 28.000 EUR in order to be eligible for this ruling.
All aspects mentioned above are for orientation purposes only and are subject to changes, no rights can be derived from them.