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Choose:

• yes – if you have already reached your retirement age.
• within 10 years – if you will reach your retirement age within 10 years. This is the case if you are born between 01-05-1956 and 01-01-1966.
• no – if both of the above are not the case.

Depending on your age different rules apply for the calculating your maximum mortgage.

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What is your gross income? You can include holiday allowance, a 13th month or other fixed components. If you are unsure, use the –button to see and calculate which components can be used.

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What is your gross pension (before tax)?
You can find more information on your pension registered in The Netherlands through the website mijnpensioenoverzicht.nl.
If you are unsure, use the –button to calculate your gross pension.

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Choose:

• yes – if your partner has reached the retirement age.
• within 10 years – if your partner will reach the retirement age within 10 years. This is the case if your partner is born between 01-05-1956 and 01-01-1966.
• no – if both of the above are not the case.

Depending on your partner’s age different rules apply for the calculating your maximum mortgage.

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What is your partner’s gross income? You can include holiday allowance, a 13th month or other fixed components. If you are unsure, use the –button to see and calculate which components can be used.

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What is your partner’s gross pension (before tax)?
You can find more information on your partner’s pension registered in The Netherlands through the website mijnpensioenoverzicht.nl.
If you are unsure, use the –button to calculate your partner’s gross pension.

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This is the purchase price or the value (after renovations) according to the valuation report.
 
Pay attention. The market value of the property can impact your maximum mortgage (loan-to-value). If you do not yet know the market value, leave this field empty. In that case the maximum mortgage will >only be calculated based on your income details (loan-to-income).

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What is the mortgage interest?

In case the interest fixed term is less than 10 years you can leave this field empty. According to the Dutch regulator AFM, in that case a fictive percentage of 5% shall be used in the calculation.
Exception: If the remaining mortgage duration is less than 10 years and the interest is fixed for this complete term, then you may calculate with the actual interest. In that case fill in your actual interest that you will be paying.

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Select 'yes' if you want the calculator to take into consideration an outstanding loans, alimony payments, property lease hold and or an energy neutral property.

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Normally a maximum mortgage calculation is based on a 30 year mortgage duration. In some specific cases a shorter duration can be selected.
This will however impact how much you can borrow.
If you do not fill in a mortgage duration, it will be based on the standard 30 years.

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Personal loans are for example ongoing credit agreements with your bank, a credit card with limit that can be repaid over a longer duration of time, a loan for paying of your mobile phone or a private lease car agreement. If you have one or more of these loans you can add up all the original loan sums or limits.

Tip: generally it is wise to pay of as much of these loans as possible before a mortgage application as they significantly impact your borrowing capacity for a mortgage.

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If you still have student debt, what was the original loan sum?
Also make clear whether the Dutch old system (prior to 1-9-2015) or Dutch new system (since 1-9-2015) is applicable.

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If applicable: how much partner alimony do you pay per month?
This question only concerns partner alimony, excluding any child support contributions.

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If applicable: how much partner alimony does your partner pay per month?
This question only concerns partner alimony, excluding any child support contributions.

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For energy efficient homes and with an income over € 33.000, you are eligible for a higher mortgage amount. Select:

• (A++) energy label – if the home has an energy label of at least A++.
• Zero-on-the-meter-house – if the home has an energy-index or energy performance-coefficient of equal or lower than zero.
• Zero-on-the-meter-house with EP-guarantee – if the Zero-on-the-meter-house has an energy performance guarantee for at least ten years.
• No – in all other situations.