OwnerCost

Netherlands · Mortgage

What owning this actually costs each month

Annuity mortgage. Transfer tax and owners' association (VvE) contributions sit in the owner stack.

Set a shorter payoff to fill the extra payment.

Example with the default inputs. Change any field to recalculate.

Estimated owner cost: €2,054 a month

That is 36.2% of gross monthly income. This is a calculation, not a lender assessment or a recommendation.

Monthly owner cost
€2,054

P&I €1,864 · insurance €40 · owners' association fees €150
Loan €405,000 · LTV 90.0%

Extra €0/mo
€0

Interest saved · payoff 30.0 yrs · 0 months sooner

Cash to close
€54,000

Deposit €45,000 + closing costs €9,000

Day-one cash breakdown
Deposit€45,000
Transfer tax€9,000
10-year cash comparison

Deposit, closing costs and 120 months of owner cost: €300,498. 120 months of rent starting at €1,650 and rising 3% a year: €226,985.

OwnerCost assumptions: a 10-year period and 3% annual rent growth. This counts cash paid on the regular schedule only — extra principal is not included — and it ignores the equity you build, changes in the home's value, selling costs and what the deposit could earn elsewhere — so it does not say whether buying or renting is better.

OwnerCost sheet

Netherlands · https://ownercost.com/nl/mortgage/
Price €450,000 · down €45,000 · 3.7% · 30 years
Owner cost €2,054 (P&I €1,864)
Extra €0/mo · paid off in 30.0 years · interest saved €0
Cash to close €54,000
Registry OC-MTG 2.1.0. Planning estimate, not an offer of credit.

What this includes

Mortgage-interest tax relief (hypotheekrenteaftrek) can lower what the loan costs after tax. This page is gross owner cost, before that relief. Owners' association fees (VvE) are in the monthly stack.

How we calculate

Monthly rate = quoted nominal annual rate ÷ 12. Payment = P·i / (1 − (1 + i)^−n) over n months. Owner cost = annuity + insurance + owners' association fees (VvE), before mortgage-interest tax relief (hypotheekrenteaftrek). Cash to close = deposit + transfer tax (overdrachtsbelasting). The 10-year cash comparison uses two OwnerCost assumptions — a 10-year period and rent rising 3% a year — and counts cash paid on the regular schedule only (the extra-principal input is not included); it is not a buy-or-rent recommendation. Principal and interest are counted only until the loan is repaid (at most 120 months), so a term shorter than 10 years adds no payments after payoff; insurance, property tax and building or owners' fees continue for all 120 months; mortgage insurance stops when its own rule ends it and never after the loan does.

Official sources

Rules checked against these sources on 24–25 September 2026.