Calculate maximum mortgage and monthly payments for house / house
Are you looking for a new home or apartment? Of course you want to know how much you can borrow to the maximum, in order to make the right financial decision. So look for the finances well. Buying a house or apartment you only do a few times in your life. So do not be surprised and calculate your monthly payments in advance. At Amsterdam Woont you can immediately see your maximum mortgage with the owner-occupied houses and calculate your monthly payments.
How much mortgage can I get? What will be my monthly payments?
You have found a new home via Amsterdam. But can you pay for that property? What is, in other words, your maximum mortgage? Rabobank, the financial partner of Amsterdam Woont, has a handy online tool to calculate your maximum mortgage and your monthly payments.
Financing your home
A complete picture of the financing of your home does not provide this tool. But you do get a good first impression of your financial possibilities. Do you want to go deeper into it? Then you can always talk to one of Rabobank's mortgage advisers.
Different types of mortgages
Rabobank offers various types of mortgages. Like the annuity mortgage, where you pay the same amount per month during the entire term. Or the linear mortgage, where the monthly costs will decrease over time. But you can also think of a green mortgage for the most sustainable and energy-efficient new-build homes. You will receive an attractive interest discount. Another possibility is a mortgage where your parents or grandparents contribute to the purchase of the house. And then there is also the savings mortgage: you save during the term of the mortgage to pay off the 'debt' at the end of the term in its entirety. This results in monthly charges in the form of mortgage interest and premium. You will receive interest on the premium. Hence the name savings mortgage.
Information about mortgage interest relief, mortgage interest expectation
In the discussion with your mortgage advisor, the mortgage interest deduction will also be discussed. Thanks to the mortgage interest deduction you may – under certain conditions – deduct the mortgage interest from your taxable income. As a result, you pay less income tax. With the deduction, the government wants to stimulate buying a house. You can also ask your mortgage advisor about the expectations regarding mortgage interest.
House and mortgage
A mortgage is meant to be able to buy a new house. But what exactly can you finance with it? In any case the new house itself, but also additional work. Think of a dormer or extension. You can also co-finance part of the costs for the construction of your garden. Your mortgage advisor can tell you all about it.
National Mortgage Guarantee (NHG)
If you take out a mortgage, make sure that it is a mortgage with NHG. NHG stands for 'National Mortgage Guarantee'. A mortgage with NHG is a mortgage that meets the standards for responsible lending. Moreover, the NHG acts as a safety net, if you can no longer pay your mortgage payments.
Do you already have a home at this moment and is there surplus value? Then you can use that surplus value to buy another (new) home. The more money you put in your new house, the less you have to borrow. it is important to know what the surplus value on your current home is, if you have a new home in mind. Especially in Amsterdam, where quick action is needed and the demand for housing is considerably greater than the supply .