Mortgage

Apply for a mortgage:

Hi My name is Astrid van Rooij-Debets

I will guide you trough the process, Call us for a Free personal inventory appointment!!! 0135442006

Starting points for the calculation:

1. 1.

   Price of the property / valuation report

2. 2.

   Income / permanent contract / employers statement

3. 3.

   Interest rate

Buy wtith NHG (National Mortgage Guarantee) <325.000 (2021)

Example needed income with NHG in 2021:

325.000 mortgage / interest rate 0,94% (10 years fixed) or 1.21% (20 years fixed)

Needed income = 63.500 buy alone / one income

Buy together = 34500 + 30000

One income of 47.000 = maximum mortgage 218.600

Example Buyer costs:

Price of the property 325.000 (in the year 2021)

** partly tax-deductible / * tax-deductible

Maximum mortgage is equal to the value in the

valuation report.

Payment Mortgage:

• Redemption + Interest = Gross monthly payment

• Gross – tax returns = Net monthly payment

Tax returns will depend on amount of income.

Mortgage options:

Annuity Mortgage

Linear Mortgage:

Example Monthly payment:

325.000 / 20 years fixed interest / 30 years contract

Gross Net

After 10 years the remaining mortgage is:

Annuity 219270

Linear 205833

If you sell the house for 325.000 (original price in 2021) after 10 years:

You will have a home equity:

Annuity 105730

Linear 119167

NO FINE BY SELLING THE PROPERTY !

Free personal inventory appointment!!!

Call us! 0135442006

So Need Mortgage advice? Make an appointment.