According to Independer (via Telegraaf), only a quarter of Dutch young adults aged 18–29 expect financial help from their parents when buying a home, and only a quarter have enough savings and income to manage on their own.
That leaves half of the starters needing alternative solutions.
There are several options available:
- Starter loans: In some municipalities, like Westland, starters can get a loan up to 20% of the purchase price (maximum €30,000) for homes up to €325,000.
- Housing association discounts: Some corporations offer up to 30% discount on purchase prices, but they may claim part of the resale profit later.
- National Fund Affordable Home Ownership (NFBK): Offers up to €70,000 off the price of a new-build home. The fund has €100 million available for about 2,400 homes, with a maximum purchase price of €405,000. Buyers must later share resale proceeds.
With average home prices nearly €486,041 in July (8.6% year-on-year increase), loans require a salary of around €99,000—more than twice the average income.
Hypotheek expert Marga Lankreijer-Kos from Independer points out that almost no one can afford to purchase without help. However, knowing which options exist and exploring them could make homeownership possible for more young buyers.
Conclusion: While many starters depend on parental support, a range of alternative programs are available—starters should research what’s accessible in their region.
📌 Source: Independer in the media – Driekwart starters afhankelijk van ouders voor koopwoning: “Maar er zijn nog wel andere opties” Telegraaf, 2 september 2025
