Buying a house in the Netherlands? How does it work
Even if you don't plan to be in the Netherlands for ever, it could be worth buying a home. Watch our video to find out about our Expat Mortgage application process and services.
Mortgages
ABN AMRO: Your expat mortgage specialist
At ABN AMRO International Clients, we know exactly what it means financially for an expat to buy a home. And because we do, we make sure that you get the best possible advice and mortgage.
How can we help you?
Check our mortgage rates
Buying your first home
(pdf, 2.4MB)Getting a mortgage
(pdf, 474kB)
Your mortgage in six steps
(pdf, 424kB)Choosing a home loan
(pdf, 1.1MB)Service Document
(pdf, 239kB)
What kind of mortgage is best for you?
A mortgage is a loan, which you pay back over time. The way in which you do that depends on the type of mortgage. Compare the different types of mortgages available from ABN AMRO.
You can apply for a mortgage with ABN AMRO if you have a valid passport, permanent employment in the Netherlands or a letter of intent, a citizen service number (BSN), have lived in the Netherlands for at least 6 months.
Interest-only Mortgage
You only pay the interest on your mortgage each month. This gives you lower monthly payments. You do not pay back any of your loan until the end of the mortgage period.
You may deduct the interest payments from your taxable income. The debt remains the same as you do not pay any of it back. The amount of interest you pay also remains constant.
If you took out an Interest-only Mortgage before 1 January 2013, you may deduct the interest you pay from your income for tax purposes. This means that you retain maximum tax benefits.
If you have taken out an Interest-only Mortgage since 1 January 2013, the mortgage interest you pay on the new Interest-only Mortgage is no longer deductible from your income for tax purposes.
Level-Payment Mortgage
Your monthly repayments remain the same. At the start your repayments are low and the interest high. Later you repay more while the interest is lower.
Entitled to mortgage interest deduction? Then your monthly repayments will be lower at the start. Later on you will have to pay more each month.
As you will be making repayments each month, you will be assured that the loan will be repaid in full.
You may deduct the mortgage interest from your income for tax purposes.
Linear mortgage
The amount to be paid back will decrease steadily as you will be paying back a fixed amount each month. Interest will be paid on the loan. The amount of interest you pay will also decrease steadily. This means that you will be able to save money for other purposes in the future.
With the Linear mortgage you pay back a fixed amount each month. This means that you will pay back your loan in fixed segments. You will be assured that you will have repaid the loan in full by the end of the mortgage period.
You may deduct the mortgage interest from your income for tax purposes.
Mortgage advice
If you would like to learn more about the available mortgage options, contact us to make an appointment. The orientation meeting is free.
Especially for
Contact us (in the Netherlands)
- Please call 0900 - 81 70 (24 hours a day, 7 days a week). Calling costs: €0.028 per minute with a start rate of €0.0951 and your usual calling costs.
Contact us (from outside the Netherlands)
- Please call +31 10 - 241 17 23 (24 hours a day, 7 days a week).
Pinsparen
Save as you spend
As easy as it is to use your debit card, as hard it can be to set money aside. Although the thought of a buffer is quite comforting. That's why ABN AMRO has introduced a new way to save: Pinsparen - save as you spend. This plan enables you to set money aside effortlessly every time you use your debit card.
