How to buy a house in The Netherlands step-by-step?
In this step-by-step plan you will gain insight into how you can buy your dream home step by step. Below are the 8 steps to buy a house in the Netherlands and to get an idea of the entire buying process.
The first step is to determine your budget and explore your Dutch mortgage options. What is the maximum mortgage you can borrow? How much do you want to spend on a property? It’s important to keep your house affordable so you can still enjoy life.
You can use our dutch expat mortgage calculator for a rough indication. For a exact mortgage calculation and a tailored made financial advice you can make a free appointment with one of our mortgage advisors.
Also important, a broker will give you a stronger negotiating position, because the selling agent will take you more seriously.
Have you found the perfect Dutch house? Then it’s time to call the real estate agent for planning a home viewing! Make before you visit this house a list with questions which you want to ask.
This means that when you’re buying a property in the Netherlands, you’ll have to gather information about the house you want to buy.
Once you’ve found the house you want to buy, it’s time to place a bid.
When you make a bid you can include different clauses. The cancellation, like the financing clause and the structural inspection. When you’re buying a house in the Netherlands, these clauses are your safety net to cancel the purchase agreement without penalties. Yet the more clauses you include in your offer, the less attractive it gets for the seller. When the seller accept your bid the next step in the buying proces will start.
Now it’s time to draw up the preliminary purchase agreement, because the agreement you made with the seller is only binding after both of you signed a purchase agreement.
As a buyer you have a 3 day cooling-off period to consider and cancel the agreement of buying the house without reason or cost.
As soon as your bid has been accepted you have to start the mortgage process. In Holland you can’t get pre-approved by a mortgage lender before you have an accepted offer.
As an expat you'll apply for the same mortgage as Dutch natives. There is no such thing as an expat mortgage with special conditions. Make sure to get a mortgage broker who works independent and compares multiple mortgage lenders, like us as a certified expats advisor by Home Financials. This way you’re sure you’ll get the best mortgages, with the lowest interest rate and suiting conditions for your situation.
When buying a home in the Netherlands, you’ll have to get the property appraised. We can mediate in a good appraiser.
Home Financials help you with these home insurance policies.
Last but definitely not least: closing day, the day you become the legal owner of you new house.
Good, you now know the ten ultimate steps of buying a house in the Netherlands.
step 1: set your budget. Make a quick mortgage calculation and book a free appointment with one of our expat mortgage brokers.
What is your maximum mortgage in The Netherlands?
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