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
Eigenwoningforfait (Notional rental value)
"Eigenwoningforfait" is a tax on the theoretical income that a homeowner could earn by renting out their home, even if they do not actually rent it out. Erfpacht (Ground lease)
Often houses in the Netherlands are not on private land, but on leasehold land. This leasehold land is then rented from the landowner (often the municipality). Hypotheekakte (mortgage deed)
The mortgage deed is the official contract for a mortgage. The mortgage deed contains all agreements with the bank that relate to the mortgage. Hypotheeksom (Mortgage sum)
he mortgage sum is the total amount that is borrowed from a lender. Koopakte (Purchase deed)
The written purchase agreement between the buyer and seller of a house. Other words for koopakte are koopcontract or koopovereenkomst (purchase contract or purchase agreement). Maandlast netto (Monthly charge net)
The net monthly payment is the amount that is paid monthly for the mortgage after tax settlement. Therefore, the tax is taken into account. National Mortgage Guarantee (NHG)
 Notariskosten (Notary fees)
When you buy a house, a visit to the notary is unavoidable. The deeds required for the purchase of a home are drawn up by a notary. Taxatiekosten (Appraisal costs)
The appraisal costs are one of the additional costs when taking out a mortgage. They are the costs for the valuation of a house by an independent appraiser. WOZ-waarde
WOZ stands for Valuation of Real Estate (Waardering Onroerende Zaken). The WOZ Act ensures that all governments use the same valuation for a home when levying taxes.