{"id":1207,"date":"2025-05-10T11:06:55","date_gmt":"2025-05-10T11:06:55","guid":{"rendered":"https:\/\/homefinancials.nl\/?page_id=1207"},"modified":"2025-12-25T09:53:49","modified_gmt":"2025-12-25T09:53:49","slug":"buying-a-home-in-the-netherlands","status":"publish","type":"page","link":"https:\/\/homefinancials.nl\/index.php\/buying-a-home-in-the-netherlands\/","title":{"rendered":"Buying a Home in the Netherlands"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1207\" class=\"elementor elementor-1207\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3da7972 e-flex e-con-boxed e-con e-parent\" data-id=\"3da7972\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e1d073 elementor-widget elementor-widget-heading\" data-id=\"2e1d073\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Buying a Home in the Netherlands<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-878c7d2 elementor-widget elementor-widget-text-editor\" data-id=\"878c7d2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><strong data-start=\"210\" data-end=\"267\">Clear insight into all the costs of buying a property<\/strong><br data-start=\"267\" data-end=\"270\" \/>From transfer tax to notary fees \u2013 we make all costs transparent and easy to understand.<\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd1f91a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"fd1f91a\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/homefinancials.nl\/index.php\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Your Free Cost Overview<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cebe6b3 e-flex e-con-boxed e-con e-parent\" data-id=\"cebe6b3\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c9f0c2c e-con-full e-flex e-con e-child\" data-id=\"c9f0c2c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a62133 elementor-widget elementor-widget-heading\" data-id=\"9a62133\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Are the Costs of Buying a Home?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ba396d elementor-widget elementor-widget-text-editor\" data-id=\"3ba396d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"442\" data-end=\"677\">Buying a house involves more than just the purchase price.<br data-start=\"500\" data-end=\"503\" \/>To help you prepare, we\u2019ve listed the main <strong data-start=\"546\" data-end=\"564\">purchase costs<\/strong>, <strong data-start=\"566\" data-end=\"585\">financing costs<\/strong>, and <strong data-start=\"591\" data-end=\"609\">optional costs<\/strong> \u2013 so you know exactly what to expect and avoid financial surprises.<\/p><h4 data-start=\"684\" data-end=\"743\"><strong data-start=\"688\" data-end=\"741\">Existing property: &#8216;kosten koper&#8217; (buyer\u2019s costs)<\/strong><\/h4><p data-start=\"744\" data-end=\"972\">If you buy an existing home, you cover additional costs yourself. These include:<br data-start=\"824\" data-end=\"827\" \/>\u2714\ufe0f Transfer tax<br data-start=\"842\" data-end=\"845\" \/>\u2714\ufe0f Notary fees (for the transfer deed)<br data-start=\"883\" data-end=\"886\" \/>\u2714\ufe0f Mortgage advice and brokerage<br data-start=\"918\" data-end=\"921\" \/>These costs are added on top of the property price.<\/p><h4 data-start=\"979\" data-end=\"1039\"><strong data-start=\"983\" data-end=\"1037\">New-build home: &#8216;vrij op naam&#8217; (included in price)<\/strong><\/h4><p data-start=\"1040\" data-end=\"1234\">With a new-build property, the structure is different. These homes are usually sold \u201cvrij op naam,\u201d meaning the transfer tax and notary fees are typically already included in the purchase price.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f33e16d e-con-full e-flex e-con e-child\" data-id=\"f33e16d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6863560 elementor-widget elementor-widget-image\" data-id=\"6863560\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/05\/kostenkoper.png\" class=\"attachment-full size-full wp-image-1229\" alt=\"\" srcset=\"https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/05\/kostenkoper.png 1536w, https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/05\/kostenkoper-300x200.png 300w, https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/05\/kostenkoper-1024x683.png 1024w, https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/05\/kostenkoper-768x512.png 768w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-77943df elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"77943df\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-70525d9 e-con-full e-flex e-con e-child\" data-id=\"70525d9\" data-element_type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b0d94ab e-flex e-con-boxed e-con e-parent\" data-id=\"b0d94ab\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ac17456 e-con-full e-flex e-con e-child\" data-id=\"ac17456\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de38333 elementor-widget elementor-widget-image\" data-id=\"de38333\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"768\" src=\"https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/06\/ChatGPT-Image-26-jun-2025-10_35_24-768x768.png\" class=\"attachment-medium_large size-medium_large wp-image-2859\" alt=\"\" srcset=\"https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/06\/ChatGPT-Image-26-jun-2025-10_35_24-768x768.png 768w, https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/06\/ChatGPT-Image-26-jun-2025-10_35_24-300x300.png 300w, https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/06\/ChatGPT-Image-26-jun-2025-10_35_24-150x150.png 150w, https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/06\/ChatGPT-Image-26-jun-2025-10_35_24.png 1024w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-03f21d9 e-con-full e-flex e-con e-child\" data-id=\"03f21d9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7de6981 elementor-widget elementor-widget-heading\" data-id=\"7de6981\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">purchase costs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c382279 elementor-widget elementor-widget-text-editor\" data-id=\"c382279\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 data-start=\"132\" data-end=\"154\"><strong data-start=\"136\" data-end=\"152\">Transfer Tax<\/strong><\/h3><p data-start=\"155\" data-end=\"316\">When purchasing an existing home for your own use, you pay a one-time <strong data-start=\"225\" data-end=\"244\">2% transfer tax<\/strong> based on the purchase price. This amount is settled through the notary.<\/p><p data-start=\"318\" data-end=\"516\"><strong data-start=\"318\" data-end=\"353\">Exemption for first-time buyers<\/strong><br data-start=\"353\" data-end=\"356\" \/>If you\u2019re between <strong data-start=\"374\" data-end=\"397\">18 and 35 years old<\/strong> and buying your first home for personal use, you may qualify for an exemption from this tax. To be eligible, you must:<\/p><ul data-start=\"518\" data-end=\"726\"><li data-start=\"518\" data-end=\"557\"><p data-start=\"520\" data-end=\"557\">Not have used this exemption before<\/p><\/li><li data-start=\"558\" data-end=\"597\"><p data-start=\"560\" data-end=\"597\">Use the home as your main residence<\/p><\/li><li data-start=\"598\" data-end=\"659\"><p data-start=\"600\" data-end=\"659\">Purchase a home priced no higher than <strong data-start=\"638\" data-end=\"657\">\u20ac555,000 (2026)<\/strong><\/p><\/li><li data-start=\"660\" data-end=\"726\"><p data-start=\"662\" data-end=\"726\">Sign a declaration (submitted to the notary before the transfer)<\/p><\/li><\/ul><h3 data-start=\"733\" data-end=\"754\"><strong data-start=\"737\" data-end=\"752\">Notary Fees<\/strong><\/h3><p data-start=\"755\" data-end=\"941\">The notary draws up both the <strong data-start=\"784\" data-end=\"801\">transfer deed<\/strong> and the <strong data-start=\"810\" data-end=\"827\">mortgage deed<\/strong>, and registers them with the Land Registry (Kadaster). A property cannot legally be transferred without a notary.\ud83d\udcb0 <strong data-start=\"946\" data-end=\"963\">Average cost:<\/strong> approximately <strong data-start=\"978\" data-end=\"988\">\u20ac1,750<\/strong> (depending on the notary)<\/p><h3 data-start=\"1021\" data-end=\"1056\"><strong data-start=\"1025\" data-end=\"1054\">Deposit or Bank Guarantee<\/strong><\/h3><p data-start=\"1057\" data-end=\"1318\">As the buyer, you\u2019re usually required to pay a <strong data-start=\"1104\" data-end=\"1119\">10% deposit<\/strong> of the purchase price. You can either transfer this directly to the notary, or provide a bank guarantee instead.\ud83d\udcb0 <strong data-start=\"1244\" data-end=\"1282\">Typical cost for a bank guarantee:<\/strong> around <strong data-start=\"1290\" data-end=\"1318\">1% of the purchase price<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-13bf771 e-flex e-con-boxed e-con e-parent\" data-id=\"13bf771\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-57747f0 e-con-full e-flex e-con e-child\" data-id=\"57747f0\" data-element_type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7603fda e-flex e-con-boxed e-con e-parent\" data-id=\"7603fda\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-36029f2 e-con-full e-flex e-con e-child\" data-id=\"36029f2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e7a47a5 elementor-widget elementor-widget-heading\" data-id=\"e7a47a5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financing Costs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e64183 elementor-widget elementor-widget-text-editor\" data-id=\"5e64183\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 data-start=\"3224\" data-end=\"3249\"><strong data-start=\"3228\" data-end=\"3247\">Appraisal Costs<\/strong><\/h3><p data-start=\"3250\" data-end=\"3429\">To get mortgage approval, a validated appraisal report is required. An independent, certified appraiser determines the property\u2019s market value.<br \/>\ud83d\udcb0 <em><strong>Cost: \u20ac700 \u2013 \u20ac800.<\/strong><\/em><\/p><h3 data-start=\"3436\" data-end=\"3485\"><strong data-start=\"3440\" data-end=\"3483\">NHG Costs (National Mortgage Guarantee)<\/strong><\/h3><p data-start=\"3486\" data-end=\"3685\">With an NHG mortgage, you benefit from extra protection and often a lower interest rate. If you face financial difficulty (due to unemployment, disability, or divorce), NHG can act as a safety net. The maximum purchase price is <strong data-start=\"3717\" data-end=\"3736\">\u20ac 470,000 (2026)<\/strong> or \u20ac 498,200 with energy-saving improvements.<strong>\ud83d\udcb0 <em data-start=\"3791\" data-end=\"3835\">One-time fee: 0.4% of the mortgage.<\/em><\/strong><\/p><h3 data-start=\"3842\" data-end=\"3879\"><strong data-start=\"3846\" data-end=\"3877\">Mortgage Advice &amp; Brokerage<\/strong><\/h3><p data-start=\"3880\" data-end=\"4180\">An independent mortgage advisor works for you, not for the bank. We compare different lenders to find the mortgage that fits your goals and financial situation. You benefit from competitive rates, favorable terms, and personal guidance from start to finish.<strong>\ud83d\udcb0 <em data-start=\"4148\" data-end=\"4180\">One-time fee: \u20ac3,000 \u2013 \u20ac3,500.<\/em><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2fd277e e-con-full e-flex e-con e-child\" data-id=\"2fd277e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fd44148 elementor-widget elementor-widget-image\" data-id=\"fd44148\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/05\/house.png\" class=\"attachment-full size-full wp-image-1264\" alt=\"\" srcset=\"https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/05\/house.png 1536w, https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/05\/house-300x200.png 300w, https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/05\/house-1024x683.png 1024w, https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/05\/house-768x512.png 768w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-33d80a6 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"33d80a6\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-313f54e e-con-full e-flex e-con e-child\" data-id=\"313f54e\" data-element_type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6740401 e-flex e-con-boxed e-con e-parent\" data-id=\"6740401\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5b7d0c7 e-con-full e-flex e-con e-child\" data-id=\"5b7d0c7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be0dac5 elementor-widget elementor-widget-image\" data-id=\"be0dac5\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/05\/Buyers-cost.png\" class=\"attachment-full size-full wp-image-1254\" alt=\"\" srcset=\"https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/05\/Buyers-cost.png 1536w, https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/05\/Buyers-cost-300x200.png 300w, https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/05\/Buyers-cost-1024x683.png 1024w, https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/05\/Buyers-cost-768x512.png 768w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a6c3ddf e-con-full e-flex e-con e-child\" data-id=\"a6c3ddf\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c157e21 elementor-widget elementor-widget-heading\" data-id=\"c157e21\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Optional Cost<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9767647 elementor-widget elementor-widget-text-editor\" data-id=\"9767647\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 data-start=\"2330\" data-end=\"2352\"><strong data-start=\"2334\" data-end=\"2350\">Buying Agent<\/strong><\/h3><p data-start=\"2353\" data-end=\"2637\">Hiring a buying agent isn\u2019t mandatory, but it can save you time and stress.<br data-start=\"2428\" data-end=\"2431\" \/>They can help with scheduling viewings, negotiating, advising on your offer, and checking legal documents \u2013 increasing your chances of a smooth purchase. <img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/17.0.2\/svg\/1f4b0.svg\" alt=\"\ud83d\udcb0\" \/><strong> <em data-start=\"2590\" data-end=\"2637\">Typical fee: around 1% -1,5% of the purchase price.<\/em><\/strong><\/p><h3 data-start=\"2644\" data-end=\"2671\"><strong style=\"font-size: 24px; text-align: var(--text-align);\" data-start=\"2648\" data-end=\"2669\">Structural Survey<\/strong><\/h3><p data-start=\"2672\" data-end=\"2951\">A structural survey provides insight into the technical condition of the home. It can reveal defects, deferred maintenance, and expected repair costs. This helps you make an informed decision \u2013 and gives leverage during negotiations if needed.<strong><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/17.0.2\/svg\/1f4b0.svg\" alt=\"\ud83d\udcb0\" \/> <em data-start=\"2923\" data-end=\"2951\">Average cost: \u20ac350 \u2013 \u20ac400.<\/em><\/strong><\/p><h3 data-start=\"2958\" data-end=\"2985\"><strong style=\"font-size: 24px; text-align: var(--text-align);\" data-start=\"2962\" data-end=\"2983\">Sworn Interpreter<\/strong><\/h3><h3 data-start=\"2958\" data-end=\"2985\"><span style=\"font-size: 18px; text-align: var(--text-align);\">Don\u2019t speak Dutch fluently? Then you are legally required to have a sworn interpreter during the notary appointment. This ensures you fully understand what you\u2019re signing.<\/span><strong style=\"font-size: 18px; text-align: var(--text-align);\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/17.0.2\/svg\/1f4b0.svg\" alt=\"\ud83d\udcb0\" \/> <em data-start=\"3165\" data-end=\"3193\">Average cost: \u20ac350 \u2013 \u20ac400.<\/em><\/strong><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-02aadee e-flex e-con-boxed e-con e-parent\" data-id=\"02aadee\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d96ab53 e-con-full e-flex e-con e-child\" data-id=\"d96ab53\" data-element_type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1884e5e e-flex e-con-boxed e-con e-parent\" data-id=\"1884e5e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-fd375da e-con-full e-flex e-con e-child\" data-id=\"fd375da\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1dae1df elementor-widget elementor-widget-heading\" data-id=\"1dae1df\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tax-deductible cost<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ff16ad elementor-widget elementor-widget-text-editor\" data-id=\"8ff16ad\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"4297\" data-end=\"4442\">Some financing-related costs are <strong data-start=\"4330\" data-end=\"4348\">tax-deductible<\/strong> when buying a home.<br data-start=\"4368\" data-end=\"4371\" \/>This can result in a significant tax benefit. Eligible costs include:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-145bd2b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"145bd2b\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Mortgage advice and brokerage fees<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Notary fees for the mortgage deed<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Property appraisal costs<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">NHG (National Mortgage Guarantee) fee<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05fc933 elementor-widget elementor-widget-text-editor\" data-id=\"05fc933\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"70\" data-end=\"224\">For a complete and up-to-date overview, visit the Dutch Tax Authority:<br data-start=\"4662\" data-end=\"4665\" \/>\ud83d\udc49 <a class=\"\" href=\"https:\/\/www.belastingdienst.nl\/\" target=\"_new\" rel=\"noopener\" data-start=\"4668\" data-end=\"4720\">belastingdienst.nl<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-de585c1 e-con-full e-flex e-con e-child\" data-id=\"de585c1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9dc72a4 elementor-widget elementor-widget-image\" data-id=\"9dc72a4\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/05\/ChatGPT-Image-7-mei-2025-20_39_58.png\" class=\"attachment-full size-full wp-image-1059\" alt=\"\" srcset=\"https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/05\/ChatGPT-Image-7-mei-2025-20_39_58.png 1536w, https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/05\/ChatGPT-Image-7-mei-2025-20_39_58-300x200.png 300w, https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/05\/ChatGPT-Image-7-mei-2025-20_39_58-1024x683.png 1024w, https:\/\/homefinancials.nl\/wp-content\/uploads\/2025\/05\/ChatGPT-Image-7-mei-2025-20_39_58-768x512.png 768w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a4b81b e-flex e-con-boxed e-con e-parent\" data-id=\"4a4b81b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a5f7c77 elementor-widget elementor-widget-heading\" data-id=\"a5f7c77\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ready to buy a home in the Netherlands?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccec964 elementor-widget elementor-widget-text-editor\" data-id=\"ccec964\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5>At Home Financials, we\u2019re here to support you with honest advice and full guidance \u2014 from first viewing to the notary.<br data-start=\"291\" data-end=\"294\" \/>Let\u2019s make your home purchase simple and worry-free.<\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f51f753 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"f51f753\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/homefinancials.nl\/index.php\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Schedule your free consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Buying a Home in the Netherlands Clear insight into all the costs of buying a propertyFrom transfer tax to notary fees \u2013 we make all costs transparent and easy to understand. Get Your Free Cost Overview What Are the Costs of Buying a Home? Buying a house involves more than just the purchase price.To help [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_themeisle_gutenberg_block_has_review":false,"footnotes":""},"class_list":["post-1207","page","type-page","status-publish","hentry"],"rankMath":{"parentDomain":"homefinancials.nl","noFollowDomains":[],"noFollowExcludeDomains":[],"noFollowExternalLinks":false,"featuredImageNotice":"The featured image should be at least 200 by 200 pixels to be picked up by Facebook and other social media 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