Bidding Guide
How much do people overbid in this neighbourhood — and can you afford it? An indicative bidding range based on local data, with a financing check for your own money.
Bidding Guide
The property
€ 100.000€ 1.500.000
€ 0€ 1.500.000
Your financing
€ 50.000€ 1.200.000
Pre-filled from your earlier income input (adjust here).
€ 0€ 300.000
No transfer tax if you are under 35 (up to €555,000)
This is not bidding advice
The percentages are neighbourhood averages from the recent past — every property and every bidding process is different. A quiet listing may need no overbidding at all; a popular one may go far above average. Consider a buying agent for a bid tailored to the specific property, and never bid more than you can carry.
Indicative bidding range — Amsterdam
€ 430.000at ~7.5% overbidding
- Cautious (+3.8%) ✗
- € 415.000
- Around local average (+7.5%) ✗
- € 430.000
- Competitive (+11.3%) ✗
- € 445.000
What does the middle bid cost you?
- Financed by bank
- € 235.000
- Above appraisal/mortgage (own money)
- € 195.000
- Buyer's costs
- € 5.530
- Own money needed
- € 200.530
- Your available own money
- € 40.000
Based on average overbidding in this city (NVM/Kadaster data, mid-2026). ✓ = feasible with your mortgage + own money. Indicative, not advice.
Banks finance at most ~the appraisal value of the property. Everything you bid above that value, plus the buyer's costs, comes out of your own pocket. Include an appraisal contingency (voorbehoud) in your offer where possible.
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