How much can you borrow for a house in the Netherlands

An indication of what a Dutch lender will lend on your income, shown as a range, and both ways if you have the 30% ruling.

Your gross annual salary Partner's gross annual salary Leave at zero if you are buying alone. Interest rate Leave empty to use the rate the figures assume. I have the 30% ruling Lenders differ on whether the tax-free part counts.

A lender may lend you somewhere around

€ 217.700 to € 229.100

On an income of € 60.000, about € 1.230 a month over 30 years at 5%.

What this assumes

An annuity mortgage over 30 years at 5%.
No other loans, study debt or alimony.
Gross salary only — no bonus, no holiday allowance beyond what you entered.
You have not reached state pension age.
No extra room for the home's energy label or for energy-saving measures.
Above the NHG limit the terms and the rate change, which this does not model.

Dutch mortgage lending norms 2026 · source: wetten.overheid.nl — Tijdelijke regeling hypothecair krediet, version of 1 January 2026, art. 3 and bijlage 1 table 1; test rate from afm.nl; NHG limit from nhg.nl

Who actually decides

This is an illustration from published rules and the numbers you typed. It is not an offer and nobody is bound by it. A lender, an insurer or the Belastingdienst will reach their own figure, and it will differ.

We are not your adviser

We do not advise on financial products and we do not recommend a lender, a rate or an insurer. When the amounts are large, speak to someone licensed.

Ask an independent adviser

Buying costs come on top

What a lender will lend is not what a house costs you. Transfer tax, the notary, the valuation and the adviser are paid from your own savings, not from the mortgage.