More and more strong shoulders are leaving the Netherlands. Every day we speak to highly educated people, entrepreneurs and wealthy individuals who want to keep their home and / or real estate portfolio because of their permanent or temporary departure abroad. Because the current residential mortgage of our clients must be converted into a so-called … Read more
Do you live in Switzerland and would you like to apply for an owner-occupied home mortgage or rental mortgage in the Netherlands? Then at many banks you will encounter the fact that you do not have any income in euros, but are paid in foreign currency, namely Swiss francs (CHF). However, taking out a mortgage … Read more
On December 24, 2021, the Supreme Court, in the now well-known Christmas judgment, drew an end to the box 3 scheme applicable at the time. According to the Supreme Court, the old box 3 method, in which the tax amount was determined on a the amount of the savings and investment base, contrary to the … Read more
The purchase protection ensures that homes cannot simply be bought up for rental purposes. Also called buy to let. In this way, more owner-occupied homes will remain available for people who will actually live in them as owners. In fact, there is a self-occupancy obligation when buying an existing home. The national purchase protection (Dutch: … Read more
More and more lenders provide mortgages to real estate investors and offer the option of including rental income when applying for a mortgage own house. By providing insight into rental income, the real estate portfolio and drawing up a rental income statement, we provide a numerical substantiation of the stable, net income from real estate. … Read more
Are you going to buy a house in the near future and do you want to include the income from rental property or from an investment property for your mortgage? It is possible to include the rental income when determining the test income. In this way, this income increases the borrowing capacity. In this article … Read more
The financing condition is a financing clause that may be included in a purchase agreement. Do you want to buy a house? Has the offer on your dream home already been accepted? In that case, due to the written requirement, a good purchase agreement will have to be drawn up. It is important to include … Read more
In order to better protect consumers in the housing market, a law was introduced in 2003 that the purchase of a house and apartment by a consumer-purchaser (private person) must be made in writing: the written requirement. In the previous period it was also possible as a consumer to buy a house verbally. What is … Read more
The three-day statutory cooling-off period. Why does this term exist to renounce the purchase and what does it benefit you as a seller or buyer of a home? In this article you can read exactly how it works, so that you are not faced with surprises. As soon as the purchase agreement has been signed … Read more
We wish everyone a safe and responsible purchase. In a seller’s market and overheated housing market, the pressure on home buyers really increases. The owner or broker can ask you to make an offer without financing reservation. In Dutch this is called: Onder voorbehoud van financiering. Of course when you do not want to miss … Read more