Interview
House Mortgage in Netherlands
荷兰房贷问答
We took the chance after the intake meeting with the client to make this introduction video. If you are planning to search for your first property in the Netherlands, it might be useful for you.
What is the role of the mortgage advisor?
Independent mortgage advisor , as the intermedia between you and banks. takes all the applications process.
1.How’s the current Dutch real estate market look like?
Now the market is overheated, impacted by Covid, people have to stay at home to work, they start to search for big space property. and the Low interest rates contribute to the active market too.
2. How’s the process look like?
First go to mortgage advisers to know your loan capacity.
Find property and bid.
Start with the mortgage process.
Handle all the things to the notary office.
Have the key, the mortgage starts.
3.What are the main interests types?
The longer the interest is the higher the interest rate will be. people in the Netherlands are looking for security. people like to have 10 even 20 years of interests. you know exactly how much you shall pay every month.
If you plan to go abroad again, you might want to rent out, extra payment can reduce the mortgage asap.
4.What are the reductions that buyers can have from the loan mortgage?
The transfer tax is the main part. all the fee that you spend related to the finance, you may apply tax deduction, roughly around 40% of the expenses.
the interest can be also reduced, every month you have the interest deduction.
In general, you might spend 15,000-20,000 for the transaction of the house.( depends on the value of the property)
5. Last but not least, as individuals, why shall we find a mortgage advisor instead of going to the bank directly?
First of all, 70% of buyers go to mortgage advisors in the Netherlands, buyers don’t need to go to different banks to compare the interests and mortgage conditions.
If you pay the mortgage advisor, it will avoid you the expenses of paying the bank.
The successful rate is much higher.
Contact us via sales@connectnowclubhouse.com to book your free intake meeting.
我们在与客户见面后,利用这个机会，制作了这个小视频。
如果您计划在荷兰购买物业，这个视频可能对您有帮助：
先来了解下贷款顾问的职责是什么？
贷款顾问，作为您和银行之间的中间人，整理优化你的申请材料，管理申请程序的整个过程。
A.目前在荷兰房地产市场是怎样？
现在市场过热，受Covid的影响，人们不得不呆在家里工作，他们开始寻找更大空间的物业。 低利率也有助于市场的活跃。
贷款申请的过程是怎样的？
首先找到贷款顾问，了解你的贷款能力（前期无需任何服务费用）。
开始查找物业并竞价。
开始抵押贷款的过程开始。
公证处过户
交房时贷款生效
- 荷兰房贷利息是怎样的？
申请时间越长，利率就越高。 荷兰人喜欢将利率设置在10年甚至20年，你确切地知道你应该付多少钱。
如果你打算出国生活一段时间，你可能想把房子租出去，额外的提前付款可以贷款利息。
C.购房费用中哪些费用可以税务抵免？
2%转让税是主要费用构成，所有与贷款相关的费用，你可以申请减税，大约有40％的费用可以减免。
利息也可以减少，每个月你的利息扣除。
一般来说，你可能会花15,000-20,000欧在房子的交易上。（取决于你物业的价值)
D.作为个人，我们为什么要找抵押贷款顾问，而不是直接去银行呢？
首先，在荷兰70%的购房者是通过贷款顾问完成整个流程的，买家不需要去不同的银行比较利息和了解抵押贷款条件。
如果您支付贷款顾问的服务费后，你将避免支付银行的服务费用。
贷款顾问确保你上交材料的成功性，并处理期间的相关材料。
费用可以税务抵免。
联系我们，预定免费咨询会议，了解你的贷款额度。
sale@connectnowclubhouse.com
