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:
- Price of the property / valuation report
- Income / permanent contract / employers statement
- 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|
|Total costs||14.775 or 8275 ( younger then 35)|
** partly tax-deductible / * tax-deductible
Maximum mortgage is equal to the value in the
- Redemption + Interest = Gross monthly payment
- Gross – tax returns = Net monthly payment
Tax returns will depend on amount of income.
Example Monthly payment:
325.000 / 20 years fixed interest / 30 years contract
After 10 years the remaining mortgage is:
If you sell the house for 325.000 (original price in 2021) after 10 years:
You will have a home equity:
NO FINE BY SELLING THE PROPERTY !
Free personal inventory appointment!!!
Call us! 0135442006
So Need Mortgage advice? Make an appointment.