ACCESS NL > Housing in the Netherlands > Mortgages in the Netherlands > Are there restrictions on how much I can borrow for my mortgage?

Mortgages in the Netherlands

How do I get a loan for buying an apartment or a house?

Are there restrictions on how much I can borrow for my mortgage?

The total amount that you will be allowed to borrow will be determined by your bank or mortgage provider. This will depend upon a combination of how much you can afford to repay each month and the duration (term) for repayment. A longer repayment term will typically reduce your monthly payments, but will ultimately cost you more in the total interest paid on your loan.

Due to recent stricter mortgage guidelines published by the government and the Financial Markets Authority, the Dutch banks and other mortgage lenders are now required to operate within a new code of conduct. This provides standards on how much you can borrow based on your income. This code ensures that the affordability of your mortgage is guaranteed. Through these measures, the number of people in the Netherlands with mortgage payment problems is one of the lowest in Europe.

What are the types of mortgages available in the Netherlands?

How can I decide which mortgage is best for me?

How is the interest on my mortgage calculated?

What type of information is required when getting a mortgage?

When do I start to repay my mortgage?

What happens if I find that I can no longer afford to pay my mortgage?