Maandlast netto (Monthly charge net)

What is the maandlast netto (net monthly payment)?

The net monthly payment is the amount that is paid monthly for the mortgage after tax settlement. Therefore, the tax is taken into account.

The net monthly payment for a mortgage consists of premium, mortgage interest, possibly the repayment and the addition and deduction of the tax. The net monthly costs provide a good insight into the actual costs for your mortgage per month.

Addition – deduction = tax benefit

Various tax measures affect your monthly payments.

Addition:
The tax authorities see your home as an asset. You must therefore add an amount to your income. The WOZ value of your home determines the addition.

Deduction:
You may deduct the costs for taking out the mortgage from tax. 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 simulate home ownership with interesting tax measures. The net monthly payment (after tax settlement) is therefore often lower than the gross monthly payment.

What is your net monthly payment? Find out 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