Bruto maandlast hypotheek (Gross monthly mortgage payment)

What is de bruto maandlast bij een hypotheek (Gross monthly mortgage payment)?

Gross means 'without deduction'. The gross monthly payment for a mortgage is the amount that is paid monthly without mortgage interest deduction without tax settlement. This amount therefore only consists of premium, mortgage interest and possibly the repayment.

The gross monthly mortgage payment is also the amount that is debited from your account each month. The tax settlement, such as the mortgage interest deduction, goes through the tax authorities.

For a good insight into what your mortgage actually costs, with tax deductions, it is better to look at the net monthly payment.

Calculate tax benefit mortgage

Various tax measures affect your monthly mortgage payments:

Addition:
The tax authorities see your home as an asset. You must therefore add an amount to your gross annual income. This amount is determined using the WOZ value.

Deduction:
You may deduct the costs for taking out the mortgage once. In addition, you may deduct the monthly mortgage interest from the tax, the so-called mortgage interest deduction.

Addition – deduction = tax benefit:
The government is trying to stimulate home ownership with interesting tax measures. The gross monthly payment (before tax settlement) is therefore often higher than the net monthly payment.

Find out your gross monthly payment down here!

Mortgage terms
Aankoopkosten (Purchase costs)
There are several additional costs associated with the purchase of a house. These one-time costs are called purchase costs. Afsluitkosten (Closing cost)
"Afsluitkosten" refers to the closing costs associated with taking out a mortgage. These costs include commissions, appraisal fees, notary fees, and fees for applying for a National Mortgage Guarantee (NHG). Bankgarantie (Bank guarantee)
When buying a house you will be asked for a bank guarantee. The bank guarantee is a guarantee that you, as the buyer of a house, must give to the civil-law notary. Belastingaftrek (Tax deductions)
The government has various tax measures that are favorable to homeowners with a mortgage. Betalingstermijn (Term of payment)
The payment term is the periodic term in which you pay the interest, premium and possibly also the repayment. Boeterente (Penalty interest)
Lenders charge a penalty if the mortgage is repaid earlier than agreed in the mortgage deed, for example when refinancing. With the penalty interest, the lender compensates for the lost income from the mortgage. Bouwfinanciering (Construction finance)
Construction financing is the way in which you can finance a new building. Bruto jaarinkomen (Gross annual income)
The gross annual income (or gross annual salary) is the income before deductions. Read what is included in the gross annual salary. We also provide a handy rule of thumb to calculate this. Bruto maandlast hypotheek (Gross monthly mortgage payment)
Gross means 'without deduction'. The gross monthly payment for a mortgage is the amount that is paid monthly without mortgage interest deduction without tax settlement. Eigen geld (Own money)
You can use this capital to finance your house. This capital is called equity. Own money offers on the one hand the possibility to borrow less