Taxatiekosten (Appraisal costs)

What are 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. This is necessary to determine the market value of the property. The appraiser may not be involved in any way in the purchase of the property. The appraisal costs are not fixed and can vary per appraiser.

Mandatory and useful

Before taking out a mortgage, it is mandatory to have the appraised value determined by an independent appraiser.

But the appraisal value can also be useful. The appraisal value can strengthen your negotiating position when negotiating the purchase price. You are in a stronger position with the appraisal value of an independent appraiser. The appraisal costs are paid by the buyer. It is therefore a good investment and the appraisal costs can also be deducted once from the tax.

Appraisal report

The independent appraiser draws up a valuation report. The appraisal report states the appraisal value and the points on which it is based.

Important factors that determine the appraisal value are:

  • The location of the house 
  • The size of the house 
  • The house type
  • The state of maintenance of the house
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