General information

In one of the most densely populated countries in the world, the relative shortage of rental properties inevitably leads to insufficient housing supply.

Even though renting a place offers flexibility and certain rights, buying a property in the Netherlands is considered a good financial investment.

Property buying checklist

Since buying a house in the Netherlands is an important financial decision, preparation is vital:

Be an informed buyer and thoroughly examine:
- available housing types in the Netherlands
- choosing the right location
- information about rental contracts and rent levels

 Be fully aware of your financial / credit situation and budget; keep a detailed record of:
- current loan payments
- monthly expenses (food, childcare, utilities, insurance, taxes etc.)
- non-fixed / personal expenditures (medical expenses, entertainment etc.)

 Get familiar with the Dutch mortgage procedures and estimate the mortgage payments.

 Organise your move; contact numerous relocation services and ask for tailor-made offers beforehand.

checklist home mortgage
Photo by Flickr user alancleaver_2000

Things to consider when buying a house in the Netherlands

› Always check:
- Who owns the house / property and why is he / she moving out.
- How many others are interested in the same house / property.
- How quickly the seller needs to sell.
- How long has the house been on the market.

› Viewing the property:
- View the house during daytime to spot problems and if you are really interested visit again at a different time of the day.
- Try not to view too many houses in one day.
- Keep detailed notes regarding the places you visit.
- Take your time and do not hesitate to ask as many (relevant) questions as possible.
- Inspect the neighbourhood.

› More:
- Seasonality could be an important factor; demand may be a bit lower during winter and autumn.
- During negotiations stay polite, cool and clearly show that you are fully informed.
- Do not get too attached to one property; usually, time is on your side.
- Avoid complicated procedures like bidding wars and sealed envelopes.
- Build a solid relationship with the seller. It could well be the case that there are many potential buyers like you so you need to stand out from the crowd.
- It may be harder for non-EU citizens due to stricter requirements.

› Why buying?
- Pride of ownership; owning a house offers a sense of stability and security.
- Control over the property (decoration changes, pets, noisy activities etc.).
- Great financial incentives / tax benefits.
- Buying a property can be a good investment.

› Why renting?
- Mobility; rental contracts can be terminated within a period of two to three months.
- Budget assessment and fixed rental costs.
- Major repairs and routine maintenance are (usually) landlord’s responsibility.
- There is no reason to resell before moving out.

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