Buying

If you want to buy a house in the Netherlands, there are rules and steps that you must follow. Seek advice from a mortgage broker, estate agent and civil-law notary. The bank can also help. 

Buying a house as a foreigner 

In the Netherlands, you can buy a house as a foreigner, even if you are not from the European Union. The important thing is that you have a regular income, money of your own, or both. If you are not from the EU, you will need a valid residence permit. Sometimes the rules are stricter and you have to show additional documents. 

Mortgage 

Before buying a house in the Netherlands, you need to know how much mortgage you can get. A mortgage is the money you borrow to buy a house. Ask a bank or mortgage broker to calculate this for you. That way, you will know the maximum amount you can borrow. 

Offer 

Once you know how much you can borrow, you can look for somewhere to buy. If you are interested in a house, ask the seller or estate agent how you can make an offer. Making an offer means telling how much you are willing to pay for the house.  

Purchase contract and cooling-off period 

The purchase contract contains the price, agreements regarding payment and the terms of the sale. After signing the purchase contract, you have three days to think the matter over. During this period, you can cancel the purchase without giving a reason. 

Buying an apartment 

If you buy an apartment, you will automatically become a member of the homeowners' association (VvE). The VvE handles the maintenance of shared parts of the building, such as the roof and the exterior walls. You pay a monthly contribution for this. 

Change of address 

If you have become a homeowner and you are moving, always tell the municipality your new address. Also inform other organisations, such as your employer, health insurer and bank, about your new address.