Mortgage Calculations & Affordability
Deep dive into how borrowing capacity is calculated, the Nibud norms, and factors that affect affordability.
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How Much Can I Borrow in the Netherlands?
Understand the factors that determine your maximum mortgage, including income, debts, interest rates, and property value.
The Woonquote: Understanding Your Housing Ratio
How the Dutch housing cost ratio (woonquote) works, why it matters, and how it limits your borrowing capacity based on income and interest rates.
Nibud Norms: The Foundation of Dutch Mortgage Calculations
What Nibud is, how their affordability calculations work, and why every Dutch mortgage is ultimately based on their spending norms.
Mortgage Calculations for Two Incomes
How joint income is calculated, when both incomes are fully counted, and strategies to maximize borrowing as a couple.
How Energy Labels Affect Your Mortgage Capacity
Why energy-efficient homes let you borrow more, how energy labels translate to extra capacity, and the 2026 energy bonus rules.
How Existing Debts Affect Your Mortgage Capacity
Detailed explanation of how different types of debt (student loans, car leases, credit cards) reduce your borrowing power.
Maximizing Your Mortgage as a Single Buyer
Strategies for single-income buyers to increase borrowing capacity and compete in the Dutch housing market.
Holiday Allowance and Your Mortgage Capacity
How the Dutch vacation allowance (vakantiegeld) is counted in mortgage calculations and why it increases your borrowing power.
How Bonuses and Commission Affect Your Mortgage
Understanding how variable income components like bonuses, commission, and overtime are assessed for mortgage applications.
Dutch Mortgage Calculations: Real Examples
Worked examples showing how different income levels and situations translate into mortgage capacity, with detailed breakdowns.
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