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Just around the corner
With over 190 offices one of our offices is always just around the corner.
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The largest comparison
Our online mortgage calculator compares more than 40 providers, including your own bank.
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Over 40 years of experience
De Hypotheker is the oldest and largest independent mortgage broker in the Netherlands.
What will your net mortgage payment be?
If you have spotted a nice house, of course you want to know how much you will spend per month on the mortgage. With this handy online calculation tool, you can quickly calculate your monthly mortgage payment. Your actual mortgage will also depend on the mortgage type. The annuity mortgage and the linear mortgage are the most common types in the Netherlands.
Want to do more than just use our monthly mortgage payment calculator?
Besides knowing your maximum mortgage, calculating your monthly mortgage payments is an important step. Now that you have calculated your monthly mortgage payment, you might want to know even more about buying a house. De Hypotheker offers some handy overviews to help you properly prepare for taking out a mortgage in the Netherlands..
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What is the current mortgage rate?
What is the current mortgage rate?
Frequently asked questions about monthly mortgage payments
Once you know whether you can buy your dream home, there is a lot more to consider. Especially when it comes to calculating your monthly mortgage payments. Here you can find questions our clients often ask us about these monthly repayments.
What does the total monthly payment on my mortgage consist of?
With an annuity or linear mortgage, mortgage costs consist of two parts: mortgage interest and mortgage repayment. With other mortgage forms that were commonly taken out in the past, mortgage costs put things differently. For instance, with a (bank) savings mortgage, you put money into a savings account or premium every month and only repay at the end of your term. Similarly, with an interest-only mortgage, interim repayment is not mandatory and you only pay monthly mortgage interest. So there is no mortgage repayment during the term.
How do I know how much monthly payment I will have to make?
With our monthly payment calculator, you can calculate within minutes how much the net and gross monthly payments of your mortgage will be, in other words, how much you will have to pay per month towards your mortgage. Our mortgage advisors can help you map out the rest of your financial situation so you know exactly where you stand.
What monthly expenses will I have in addition to my mortgage payments?
As a homeowner, you face certain fixed costs every month. These include home insurance (home contents and buildings insurance), municipal taxes (such as property tax and waste collection), and gas, water, electricity and internet. If you are part of an homeowners association, you will also pay a monthly contribution.
What is the difference between gross and net monthly payments?
In the Netherlands mortgage payments are typically expressed as both gross and net amounts. This is because you can deduct your monthly mortgage payment from your annual taxes.
What are gross monthly payments?
Gross mortgage expenses are the monthly amount you pay to your mortgage provider. The gross mortgage consists of the monthly repayment and interest.
What are net monthly payments?
Your net mortgage payments are the monthly payments of your mortgage, taking into account the tax benefit of the mortgage interest deduction in The Netherlands. So the net mortgage amount is lower than the gross monthly amount.