荷兰买房@自住房&投资房（仅供参考）
Real Estate In Netherlands@Self Living & Buy to let property (for your Reference only）
宏观面来看：
荷兰商业环境与社会福利好，外来人口多，可用土地面积有限，
整体市场出于求大于供的状态；
银行近几年保持的房贷利息在0.9-1.6%之间；
对于满足条件的首套房的客户免去了购房时2%的转让税；
什么时候应该入市呢？
一般来看没有准确的时间，但在入市前可以考虑下以下几个方面：
- 是否有长住计划
- 有稳定收入和意向永久合同证明
- 有一定存款储备金
不论你是本地居民还是海外投资人，在荷兰大部分区域均可以买房，只是买房成本，申请流程与物业使用上会有不同。
之后就可以联系银行或请贷款顾问帮你做整套的贷款申请了。
在荷兰怎样选房？
看考虑到满足自住需求的情况下，也可以多纬度看以下几点：
A. 看区域：
主城区外的新生活区，更多生活空间
主要机场，高速干道
学区房
科技创新园区
金融中心
B. 看房价:
由于平均收入的构成与年轻家庭的出现，25-50万的房子最好卖
竞价时woz是政府的数据，不一定准确，建议请评估师或房产中介进行竞价的建议。
C.看产品：
连排房，公寓与转角房一般高出要价
在荷兰购买住宅物业的成本有两类：
那自住房交易过程中有哪些成本？
交易税 2% （首次自住房35万以内的房产，无需缴纳交易税）
转让契约：750欧
中介费：可选
贷款成本：
评估费 500 欧
公证费 750 欧
贷款中介费：2700 到3500左右
不论你是直接找银行申请还是请贷款中介，以下的材料是需要提前准备的：
工资单
合同
有效证件
资产证明:存款/车/固定资产
偿还你可以偿还的贷款，如信用卡里的费用
买房期间凡和房贷相关的费用均可以申请购房退税
#荷兰房源 #自住房房贷商品房房贷#物业管理#房屋设计#软装#建筑资质#收益税申报
更多关于房贷按揭服务:
我们的合作伙伴拥有多年的房屋抵押贷款经验；
与50-100家银行有联系，我们为您提供利息组合和贷款条件审核建议；
从往期业务经验表明，我们的申请成功率在90%以上；
财务是个人的， 我们专注于您，而不是产品；
前期专业咨询不收取服务费；
房贷服务申请程序:
联系我们，并开始准备基本材料
正式沟通会议
我们提交方案
签意向服务协议
确定房源
欢迎与我们联系
How’s the Overall Netherland real estate market look like?
The Netherlands has a good business environment and social welfare which attracts a large foreign population and a limited land area available.
The overall market out of demand is greater than supply.
Banks keep mortgage interest between 0.9-1.6%.
For customers who meet the conditions in the first self living house, will be exempted from the 2% Transfer Tax.
A.When should I enter the market?
In general, there is no best time, but before entering the market you may consider the following aspects：
Is there a long-term living plan?
Do I have the Proof of stable income and permanent labor contract
Are there savings in case of unemployment?
Then you can contact the bank or ask a loan advisor to help you to do the mortgage application.
B.Who is qualified to invest properties in Netherlands?
In generally, no matter you are residence or non residence, you shall be able to invest properties in Netherlands, however, there are difference requirements regarding the mortgage applying process and usage.
C.How to choose a property ?
Taking into account the situation to meet the needs of self-living, you can also look at the following points:
C.1 Overall Areas:
New living area outside the main city, more living space
Easy transportations: Major airports, high-speed roads
Nearby schools
Technology Innovation centers
CBD(central business district)
C.2 Look at the price
Due to the composition of the average income and with the emergence of young families, the House price between 250-500 thousand is more popular in the market.
C.3 Look at the properties
Row house, apartments and corner house are generally sold higher than the asking price.
D.What are the expenses when you buy the house in Netherlands?
There are two types:
D.1 Property Cost ：
Transaction Tax 2% (no transaction tax is required for properties under 350,000 for the first time buy ）
Transfer contract: 750 euros
Intermediary fee: optional
D.2 Loan Costs：
Evaluation fee 500 euros
Notary fee 750 euros
Loan intermediary fee: between 2700 to 3500 Euro
D.3 When you apply the mortgage, these are materials that you need to prepare ahead:
prove of your income
Labor Contracts
Valid legal documents
Proof of assets: deposit/car/fixed assets
suggestion: better Repay the loan or debt as much as you can, it will help you to have higher mortgage capacity.
We can help you with the following needs:
#Property Source Finding#Mortgage Apply#Interior design#Construction#Income Tax filing
More about Mortgage Service:
Our Partners have years of house mortgage experiences,
Connection with 50-100 banks
Based on our track record, we have 90% of the successful rate.
We advise you with Interests package and loan conditions and terms.
Finances are personal, and so should financial advice be. Our focus is on you, not on products!
Communication Flow:
Contact us and start to prepare | Intake Call | Proposal | Soft Commitment | Bid Property | Start the Mortgage Process |
Looking forward to hearing from you.
