Netherlands 💰 EUR Last updated2026-05-28

Hypotheek Calculator Netherlands

⚡

Quick answer (Netherlands)

A €380,000 NHG mortgage at 4.0% over a 30-year annuity term works out to a monthly payment of about € 1.814, with total interest of € 273.104 over the full term.

🏠

Mortgage Calculator

EUR

Home Value

€

LTV 80% · No PMI ✓

Loan Amount

€

Interest Rate

Term

Total Monthly

2.448 €

PITI

Principal + Interest

1.814 €

42% goes to interest

Total Interest

273.104 €

over 30 years

Monthly Breakdown

Principal & Interest1.814 €

Property Tax (1.1%/yr)435 €

Homeowner's Insurance (0.5%/yr)198 €

Total Monthly2.448 €

Principal vs Interest Split

58% principal

42% interest

✨ Live recalculation·Includes P&I, property tax, insurance. Estimates only — consult a licensed lender for exact rates.

Reviewed by

Aisha Rahman, CFP®, MBA LinkedIn ↗

CFP® with 12+ years in mortgage & retirement planning.

Local context

Hypotheeks in Netherlands

Typical loan

€ 380.000

in Netherlands

Typical rate

4% p.a.

prime borrower, 2026

Typical term

30 years

most common

Market overview

Dutch mortgages are dominated by ING, Rabobank, ABN AMRO, and Aegon. The market is heavily shaped by NHG (Nationale Hypotheek Garantie), a state-backed guarantee available up to €435,000 (2026) that drops mortgage rates by ~30-50 basis points. 30-year terms are standard and most loans must be annuity or linear repayment to qualify for tax relief.

Why 4% is the typical rate

4.0% reflects the median 10-year fixed rate for an NHG-eligible borrower with 90%+ LTV in early 2026, after the ECB started its rate-cut cycle. Shorter fixed periods (5-yr) trade around 3.5-3.7%.

Tax & regulatory notes

Mortgage interest is deductible (hypotheekrenteaftrek) but only for annuity/linear mortgages on the primary residence, with the deduction rate being phased down to ~37% from its peak. Overdrachtsbelasting (transfer tax) is 2% for owner-occupiers, 0% for first-time buyers under 35 buying below €525,000 (2026 cap), 10.4% for investment properties.

🧮 Worked example

A €380,000 NHG mortgage at 4.0% over a 30-year annuity term

Loan amount

€ 380.000

Annual interest rate

4%

Term

30 years (360 months)

Monthly payment

€ 1.814

Total interest paid

€ 273.104

Total paid (principal + interest)

€ 653.104

❓ FAQ (Netherlands)

Common questions in Netherlands.

What is NHG and is it worth it?

NHG is the National Mortgage Guarantee — for a one-off premium of 0.4% of the loan amount (2026), the state insures repayment if you default due to divorce, unemployment, or illness. In exchange, lenders cut your rate by 0.3-0.5 percentage points. For most buyers under the €435,000 cap, NHG saves tens of thousands over the loan life.

Why must Dutch mortgages be annuity or linear for the tax deduction?

Since 2013, only mortgages that fully amortize within 30 years via annuity or linear repayment qualify for hypotheekrenteaftrek. The old aflossingsvrij (interest-only) structures are still legal but the interest is no longer tax-deductible. This rule was introduced to reduce systemic risk after the 2008-2013 housing correction.

How much can I borrow in the Netherlands?

The maximum mortgage is set annually by NIBUD based on your gross income, dependents, and any existing debts. As a rough guide, a single earner on €60,000 can borrow around €280,000-310,000. Dual incomes are counted together. LTV is capped at 100% of the home value, so the buyer must fund all transaction costs (kosten koper) from savings.

🌍 Other countries