A study loan is a financial commitment. This will influence your maximum mortgage loan. Depending on the amount borrowed, the system (SF 15 / SF 35) and the interest, there will be a monthly amount that is taken into consideration as financial commitment. You can check that at duo.nl. This amount has to be grossed up by – depending on the regular market interest rate of a mortgage loan – the factor stated in the colums below,
| Mortgage loan interest rate | Gross up factor monthly installment |
| 2% or less | 1,05 |
| 2,01% – 2,5% | 1,10 |
| 2,51% – 3,0% | 1,15 |
| 3,01% – 3,5% | 1,20 |
| 3,51% – 4,0% | 1,20 |
| 4,01% – 4,5% | 1,25 |
| 4,51% – 5% | 1,30 |
| 5,01% – 5,5% | 1,30 |
| 5,51% – 6% | 1,35 |
| 6,01% of more | 1,40 |
We can calculate what influence your study loan has on your maximum mortgage loan. Please call or fill out the contact form so that we can help you. Monthly payback 200 EUR (and interest rate 3,75%) means monthly commitments of 240 EUR on your loan to income capacity.