a99realestate.com
I desire to …

Invest on my own
Invest with assistance
Compare funds
Start investing
Learn more about investing
Place an order
All insurance coverages

Car insurance coverage
Home contents insurance
Home insurance
Personal liability insurance
Annual travel insurance
Short-term travel insurance
Legal expenditures insurance
Student insurance coverage
Everything about …

Home insurance coverages
Travel insurance coverages
Submitting a claim
Changing your insurance
Cancelling your insurance coverage
Pension

Build up pension
Pension savings
Pension financial investment
Pay pension (in Dutch).
Develop in 3 actions

Pension check.
Calculate yearly margin.
Open pension account.
Get a EUR30 perk

Invest with BUX Plus or BUX Prime and get a EUR30 reward. Please note: you might lose your initial financial investment.

Specially for

Expats.
Students.
Minors.
Preferred Banking.
Athletes & entertainers.
Financial styles.
Expats

Bank account.
Children’s account.
Credit cards.
Mortgages.
Insurances.
Investments.
Loans.
Internet Banking.
Relocating to the Netherlands.
Tips.
Events.
International Clients Desk.
Relocation experts.
All items for expats.
Students

Checking account for trainees.
Medical Student Package.
Student Charge Card.
Insurance for students.
All products for trainees.
Internet Banking.
Paying.
Block your debit card.
Foreign transfers.
Tips to conserve cash.
Minors

Children’s savings account.
KidsFuture Savings Account.
Tips for expat parents.
Gimi app.
Preferred Banking

About Preferred Banking.
Contact us.
Athletes & entertainers

Top athletes & performers.
Contact us.
Financial themes

Life after graduation.
Moving in together.
Sustainability.
Bereavement.
Better grip on your finances.
All financial styles.
App and Internet Banking

ABN AMRO app.
Electronic banking.
Aid with electronic banking.
More apps.
Secure banking.
ABN AMRO app

About the ABN AMRO app.
Activate the ABN AMRO app.
Visit with the ABN AMRO app.
Help using the ABN AMRO app.
Secure banking with the app.
Internet Banking

About Electronic banking.
Log in to Internet Banking.
What is where?
Help using Electronic banking.
E.dentifier.
Help with online banking

Help utilizing the ABN AMRO app.
Help utilizing Electronic banking.
Accessibility.
Our apps

Tikkie.
Secure banking

Recognising scams.
Reporting fraud.
Preventing fraud.
Fraud and safe banking.
Menu

Home.
Products.
Specially for.
Service and Contact.
Mortgages

Care-free living with a mortgage that’s right for you

Just moved to the Netherlands and looking for a home to buy? We’ll help you along, action by step. Read whatever there is to learn about mortgages and the housing market in the Netherlands. Or speak to among our English-speaking experts.

Mortgage Calculator

Discover your maximum mortgage and monthly payment

Rates of interest

Check the present mortgage interest rates

My Mortgage

Easily check or alter your mortgage online

Buying a home in the Netherlands: step-by-step

What should you look for on a viewing? How does putting in a deal on a house work? And what takes place when you desire to get a mortgage? We will guide you through the procedure.

Reasons for securing a mortgage from ABN AMRO

Support from A to Z

A personal mortgage advisor: from the early phases of your house hunt till the mortgage has actually been protected.

25 years’ experience

Dutch mortgage market leader and expert in expats.

Service in English

The entire procedure and mortgage application remain in English, with English-speaking mortgage advisors.

I want …

to get a mortgage.
a mortgage as an entrepreneur.
to take out a buy-to-let mortgage.
a mortgage in a foreign currency.
I’m looking for …

information about sustainable living.
more info about mortgage types.
practical webinars.
the most recent mortgage news.
a purchaser’s representative.
Free orientation seek advice from

The very first with a mortgage consultant is constantly free. In one hour, they will discuss your individual circumstance with you, and what you are trying to find in a new home and mortgage. Afterwards, you will get an orientation report with a detailed mortgage calculation.

Frequently asked concerns about mortgages

Can I get a discount rate on my mortgage rates of interest?

Yes, in numerous cases you can get a discount rate on your mortgage interest rate with ABN AMRO.

- If you already bank with ABN AMRO and your month-to-month earnings is paid into your ABN AMRO existing account, you qualify for a customer discount rate. ‘Monthly earnings’ can be income from employment, your benefits, your pension, income from your own business or earnings from rental activities. More about the customer discount rate


- If you are buying a home with energy label B, A or greater, you will get a sustainability discount rate on the mortgage rates of interest. This also uses when you refurbish your home to increase the energy label to A or B and sign up the brand-new energy label within 24 months of the start of your fixed-rate period. Your (new) fixed-rate period will have begun on or after 1 August 2021. More about our sustainability discount.
What about tax breaks when buying a home?

When purchasing a home in the Netherlands, your mortgage interest may be tax-deductible. If so, you can deduct the interest you pay on your mortgage from your gross income on your tax return. Some of the expenses and fees you sustain in buying a home are likewise tax-deductible.

More about tax breaks

What is the Dutch National Mortgage Guarantee?

When purchasing a home, you can opt to get a mortgage that consists of the Dutch National Mortgage Guarantee (NHG). This implies that your mortgage is ensured by the Dutch Homeownership Guarantee Fund (Stichting Waarborgfonds Eigen Woningen), so your danger and your interest rate will both be lower.

More about NHG

How do mortgages work in the Netherlands?

A mortgage is a loan to buy a home. In the Netherlands, you can borrow approximately 100% of the worth of the residential or commercial property. If you are wanting to buy a home and take out a mortgage for it, first compute the optimum amount you can obtain on a mortgage. As quickly as you have actually done that, you can arrange a totally free orientation conference to go over your options with a mortgage consultant.

If you have already put in an offer on a home and it has been accepted, we will set up a second conference with a mortgage advisor: the mortgage recommendations meeting. That is when you pick:

- the Budget Mortgage (Budget Hypotheek) or the Home Mortgage (Woning Hypotheek).
- the mortgage type for payment of your mortgage o a repaired or variable rate of interest.
Can I take out a mortgage myself or do I require mortgage advice?

This depends on how much you understand about mortgages and your experience with mortgages.
realestaterealtors.in
Do you have a clear photo of your monetary circumstance? And do you know enough about mortgages to be able to approximate your risks and the effects of the options you make? If you can address ‘yes’ to both these questions, you can take the Mortgage Self-Service option. While a mortgage coach will then assist you with your mortgage application, you will not get mortgage suggestions. It likewise means that you will not be charged any guidance costs, just a handling charge. More about Mortgage Self-Service

If you choose you desire some recommendations after all on the options you plan to make, you can always switch to the Mortgage With Advice choice. One of our mortgage consultants will then help you with guidance on the mortgage type, rate of interest and term, and they will go over the dangers of your options for now and in the future.