› Additional credit regulation – Bijleenregeling
› Annuity mortgage – Annuïteiten hypotheek
› Application form – Aanvraagformulier
› Bank guarantee – Bankgarantie
› Building costs – Stichtingskosten
› Civil-law notary – Notaris
› Commitment fee – Bereidstellingsprovisie
› Completion statement – Nota van afrekening
› Condition precedent – Ontbindende voorwaarden
› Conditions of insurance – Verzekeringsvoorwaarden
› Costs for the purchaser’s account – Kosten koper
› Declaration by employer – Werkgeversverklaring
› Deed of conveyance – Leveringsakte
› Disability coverage – Arbeidsongeschiktheidsdekking
› Early redemption – Vervroegde aflossing
› Endowment mortgage – Levenhypotheek
› Extra costs – Meerwerk
› Fixed interest – Vaste rente
› Fixed interest period – Rentevaste periode
› Forced-sale value – Executiewaarde
› Income tax return – Aangifte inkomstenbelasting
› Instalment – Aflossing(stermijn)
› Interest, interest rate – Rente
› Interest-only mortgage – Aflossingsvrije hypotheek
› Investment mortgage – Beleggershypotheek
› Life insurance – Levensverzekering / Overlijdensrisicoverzekering
› Market value – Vrije verkoopwaarde
› Mortgage – Hypotheek
› Mortgage application – Hypotheekaanvraag
› Mortgage conditions – Hypotheekvoorwaarden
› Mortgage debt – Hypotheekschuld
› Mortgage deed – Hypotheekakte
› Mortgage loan – Hypothecaire lening
› Mortgage payments – Hypotheeklasten
› Mortgage with life insurance – Levenhypotheek
› Net monthly costs – Netto maandlasten
› Notional rental value for owner-occupiers – Eigenwoningforfait
› Passport – Paspoort
› Pledging – Verpanding
› Policy – Polis
› Premium – Premie
› Purchase price – Koopsom
› Real estate broker/agent – Makelaar
› Received rent – Ontvangen huur
› Redemption – Aflossing
› Residence permit – Verblijfsvergunning
› Salary slip – Slarisstrook
› Sales contract – Koopcontract
› Savings-based mortgage – Spaarhypotheek
› Seller/vendor – Verkoper
› Surplus value – Overwaarde
› Tenant/renter – Huurder
› Term – Looptijd
› To pass a mortgage deed – Passeren van hypotheekakte
› Transfer date – Transportdatum
› Valuation report – Taxatierapport
› Variable/flexible interest – Variabele rente
Buying a home is a complicated and often confusing process even when using your native language in a system you are familiar with.
Hopefully these terms will make it a bit easier to buy a home in the Netherlands - although we still recommend asking the specialists!
Henk van Seijen is a partner at Finsens, specialists in rendering services to expats in the areas of tax, mortgages and investment advice.