Repayment requirements

The economic crisis showed how vulnerable mortgages can be when circumstances change. This led to clearer repayment requirements in the Netherlands, designed to ensure mortgages remain affordable and responsible.

On this page, we explain what these rules mean for you. especially if you’re new to the Dutch housing market.

Mortgage regulations since 2013

Since 1 January 2013, Dutch mortgage regulations have changed significantly. Before the financial crisis, it was possible to borrow up to 110% of a property’s value, even when this was not affordable based on income. To prevent this, clear repayment requirements were introduced.

Mandatory repayment rules

For new mortgages taken out since 2013, repayment must be made on either an annuity or linear basis. In addition, mortgages must be fully repaid within 30 years in order to qualify for mortgage interest tax relief.

Exceptions for existing homeowners

There is an exception for homeowners who already had an interest-only mortgage before 2013 and were able to afford the payments even after the tax-deduction period ended.

When purchasing a new home, this group may finance up to 50% of the mortgage amount on an interest-only basis.

What this means for you

If you bought your home after 1 January 2013, are a first-time buyer, or are new to the Dutch housing market, this exception does not apply. In most cases, you will need to choose an annuity or linear mortgage.

More information about these mortgage types can be found under the sections “Annuity” and “Linear” in the Mortgages overview.