Hypotheeksom (Mortgage sum)

What is a hypotheeksom (mortgage loan)?

The mortgage sum is the total amount that is borrowed from a lender.

The house for which you take out the mortgage serves as collateral for the loan. Other words for hypotheeksom are hypotheekbedrag, leensom, hypotheekschuld en leenbedrag.

Maximum mortgage amount

Many consumers are interested in the maximum mortgage amount. This is the maximum amount you can borrow. The maximum mortgage sum gives you an insight into which price range you can look for a home. You can easily calculate the maximum mortgage sum. Have your income data and savings data ready for the calculation.

Find your maximum mortgage amount and loan 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.