Mortgage calculator
Whether you're buying your first home abroad or investing in property, understanding your mortgage options is essential. This easy-to-use mortgage calculator helps you estimate monthly payments, compare loan terms, and get a clearer picture of what you can afford—so you can make informed decisions buying a house in the Netherlands.
We explore in this section
Mortgage calculator
Why use our Mortgage calculator?
Our mortgage calculator empowers you with immediate insights into your financial possibilities when buying a home in the Netherlands. It helps you quickly understand:
- How much you can borrow
- What your monthly payments would look like
- The impact of interest rates and repayment periods
Expats face unique challenges, such as language barriers, different financial backgrounds, and unfamiliarity with local financial systems. Our calculator is specifically tailored to address these concerns, providing clear, straightforward insights that expats can easily understand and apply.
How does the calculator work?
Hanno’s hosted mortgage calculator requires basic input:
- Your annual income
- Preferred repayment period
- Property value or purchase price
After inputting these details, the calculator instantly provides you with:
- Estimated loan amount
- Monthly mortgage repayments
- Breakdown of interest and principal repayments
The opstalverzekering is a requirement for your Dutch mortgage
While not mandatory for homeowners, building insurance (Opstalverzekering) is compulsoryby every mortgage lender. After using our Mortgage calculator this is something to consider. You need building insurance mainly to protect the house itself, making sure that if the property is severely damaged, the opstalverzekering guarantees funds are available for rebuilding your home and thereby securing the repayment of the mortgage.Proof of this policy is essential for the final signing at the notary. For those seeking a modern solution, providers like Lemonade offer digital Homeowners Insurance that includes the essential Opstalverzekering component required by lenders.