Netherlands Mortgage Calculator
New housing loans (avg. agreed rate):3,94%· Aug 2026
Your loan
Pre-filled with the latest official average: 3,94% (Aug 2026, European Central Bank, MFI interest rate statistics).
- Principal & interest€2,133
Upfront costs
- Down payment€0
- Transfer tax%€9,000
- Notary & registry%€4,500
- Cash needed at purchase€13,500
What if interest rates change?
Your payment today is just the start. See how it could move if rates go up or down during your loan.
Range: 3,74% to 4,14% · The rate resets once a year after month 120.
Likely range of your monthly payment
- Most likely
- 80% of outcomes
- Middle 50% of outcomes
- If today's rate holds
In 8 out of 10 simulated futures, you pay between €314,170 and €321,788 in total interest (today's rate: €317,820).
| Scenario | Avg. monthly | Highest monthly | Total interest | vs. today |
|---|---|---|---|---|
| Rate stays at 3,94% | €2,133 | €2,133 | €317,820 | — |
| Drops to 3,74% at first reset | €2,109 | €2,133 | €309,074 | ▼ −€8,746 |
| Rises to 4,14% at first reset | €2,157 | €2,170 | €326,651 | ▲ +€8,831 |
| Climbs steadily to 4,14% | €2,141 | €2,152 | €320,804 | ▲ +€2,984 |
| Falls steadily to 3,74% | €2,125 | €2,133 | €314,850 | ▼ −€2,969 |
| Spikes to 4,14% for 3 years | €2,139 | €2,170 | €320,114 | ▲ +€2,294 |
Based on 600 simulated rate paths that drift randomly within your range and tend back toward today's rate. This is an illustration, not a forecast.
Loan balance over time
- Remaining balance
- Interest paid (cumulative)
- Principal paid (cumulative)
Interest rates in Netherlands
Monthly averages. Sources: European Central Bank, MFI interest rate statistics
Buying a home in Netherlands: rules and costs
- You can borrow up to 100% of the home's value; costs such as transfer tax must come from savings.
- Transfer tax is 2% for a home you will live in. Buyers aged 18–34 are exempt once, below a yearly-indexed price limit.
- Mortgage interest is tax-deductible for up to 30 years if the loan is repaid on an annuity or linear schedule.
- Linear repayment (equal principal each month) is common — switch the repayment type to compare it with annuity.
Sources: Belastingdienst · Nationale Hypotheek Garantie · Rules last reviewed 2026-10.
Frequently asked questions
How is the monthly mortgage payment calculated?
For an equal-payment loan, the payment is P × i × (1 + i)^n ÷ ((1 + i)^n − 1), where P is the loan amount, i the monthly interest rate and n the number of months. Taxes, insurance and fees are added on top.
What is the current average mortgage rate in Netherlands?
The latest official figure is 3,94% for New housing loans (avg. agreed rate) (Aug 2026, source: European Central Bank, MFI interest rate statistics). Your own rate depends on your deposit, income, credit history and lender.
How much does a 1-point rate rise change my payment?
On a €450,000 loan over 30 years, going from 3,94% to 4,94% raises the monthly payment from €2,133 to €2,399 — about €266 more each month.
What upfront costs should I budget for in Netherlands?
On a €450,000 purchase, expect about €13,500 in taxes and fees on top of your down payment. The breakdown is shown in the calculator above.
Can this calculator predict future interest rates?
No. The scenario tool shows a range of possible outcomes based on the band you choose. Nobody can predict rates reliably — use it to check whether you could still afford the loan if rates rise.