Eigenwoningforfait (Notional rental value)

What is an eigenwoningforfait (notional rental value)?

"Eigenwoningforfait" is a Dutch term that refers to a tax on the imputed rental value of an owner-occupied home. In other words, it 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.

In the Netherlands, homeowners are required to pay this tax as part of their income tax return. The amount of the tax is calculated as a percentage of the assessed value of the home, with the percentage rate varying depending on the value of the property.

While the Eigenwoningforfait tax may seem like an additional burden for homeowners, it is actually intended to offset the tax benefits of owning a home, such as the ability to deduct mortgage interest and other expenses from taxable income. By imposing this tax, the Dutch government is able to maintain a balance between the tax benefits of homeownership and the need for revenue to fund public services.

Overall, the Eigenwoningforfait tax is an important consideration for homeowners in the Netherlands, as it can have a significant impact on their overall tax liability. Homeowners who are unsure about how the tax works or how it will affect their taxes should consult with a tax professional or mortgage advisor to understand their obligations and options.

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