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. Price of the property / valuation report
2. Income / permanent contract / employers statement
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)

2% tax	6.500 or 0% if you are younger than 35 yaers
Notary incl. translator**	2.000
Mortgage advice*	3.000
NHG*	2.275
Bank guarantee	400
Valuation report*	600
Total costs	14.775 or 8275 ( younger then 35)

** 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

Annuity	1077	991
Linear	1225	1140

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.