€337,152
Netherlands · Affordability
How much house before owner cost is 28% of gross income?
OwnerCost’s own 28% planning ceiling, applied to this market’s ownership costs. Below: how lenders here actually assess affordability, and what this estimate leaves out.
Example with the default inputs. Change any field to recalculate.
About €337,152
At this price, monthly owner cost is 28% of gross income in the Netherlands.
€33,715
€1,587
How lenders in the Netherlands assess affordability
The maximum mortgage is set by the Dutch mortgage-credit regulation (Tijdelijke regeling hypothecair krediet): your assessed income is multiplied by a financing-cost percentage from the regulation's annex. The percentages are updated each year on advice from Nibud.
Source: Dutch Temporary Mortgage Credit Regulation, 2026 (in Dutch) (1 Jan 2026); Government of the Netherlands — Nibud advice on mortgage norms 2026 (in Dutch)
For a fixed-rate period shorter than 10 years, the test uses the higher of the offered rate or a rate published by the AFM (at least 5%) — unless the loan is fully repaid by the end of that fixed period. Borrowing is capped at 100% of the home's value, with limited exceptions such as energy-saving improvements.
Source: Dutch Temporary Mortgage Credit Regulation, 2026 (in Dutch) (1 Jan 2026)
OwnerCost's 28% of gross income is its own planning ceiling for monthly owner cost. It is not the Dutch regulatory calculation, which uses income-dependent percentages.
Checked against these sources on 24 September 2026.
What this estimate includes
- Principal and interest at the rate you enter
- Home insurance
- Owners' association fees
What it does not include
- Your other debts — lenders count them; this estimate does not
- Lender stress or serviceability tests — the estimate uses the rate you enter, not a stressed rate
- Lender approval rules, credit history and deposit requirements
- Purchase taxes and fees (see the Stamp page)
- Municipal property taxes
- Mortgage-interest tax relief
How we calculate
Highest price at which the annuity, insurance and owners' association fees equal 28% of gross monthly income (OwnerCost's planning ceiling). Monthly rate = quoted nominal annual rate ÷ 12. Payment = P·i / (1 − (1 + i)^−n) over n months.
Rules checked against these sources on 24–25 September 2026.