# HuisKoopWijzer - Dutch Mortgage Calculator # https://huiskoopwijzer.nl ## About HuisKoopWijzer (HouseGuide) is a free, comprehensive mortgage calculator for the Dutch housing market. We help first-time buyers, expats, and internationals navigate Dutch mortgage rules, calculate affordability, and understand home buying costs in the Netherlands. ## Key Features - AI Home Buying Assistant - Chat with AI for instant mortgage and housing advice - Dutch Mortgage Calculator (2026 rules) - Maximum Mortgage Calculation (leencapaciteit) - Buyer's Costs Calculator (kosten koper) - NHG (Nationale Hypotheek Garantie) calculations - Interest Rate Comparison Tool - Rent vs Buy Calculator - Equity Calculator (overwaarde) - Extra Mortgage Payments Calculator - Family Help & Gift Tax Calculator (schenkbelasting) - Municipal Housing Costs Calculator (gemeentelijke woonlasten) - House Value Predictor (woningwaarde voorspelling) - New Construction Planner (nieuwbouw planning) ## Coverage Netherlands-wide coverage including major cities: - Amsterdam mortgage calculations - Rotterdam housing market - Utrecht property prices - Den Haag (The Haague) - Eindhoven - Groningen - And all other Dutch municipalities ## Target Audience - First-time home buyers (starters) in the Netherlands - Expats and internationals buying property in Holland - Young professionals navigating the Dutch housing market - Anyone researching Dutch mortgage options and affordability ## Languages - Dutch (Nederlands) - Primary - English - Full support for international buyers ## Key Topics & Expertise ### AI Home Buying Assistant > https://huiskoopwijzer.nl/nl/ai-assistent > https://huiskoopwijzer.nl/en/ai-assistant Interactive AI chat assistant providing instant answers about Dutch mortgages, home buying costs, and the housing process. Helps calculate affordability, explains complex mortgage terms, and guides first-time buyers through each step. Available in Dutch and English. ### Mortgage Calculations > https://huiskoopwijzer.nl/nl > https://huiskoopwijzer.nl/en Calculate maximum mortgage, monthly payments, and affordability using 2026 Dutch mortgage rules. Includes salary requirements, loan-to-income ratios, and NHG eligibility. ### Buyer's Costs (Kosten Koper) > https://huiskoopwijzer.nl/nl/kosten-koper > https://huiskoopwijzer.nl/en/buyers-costs Complete breakdown of Dutch home buying costs including transfer tax (overdrachtsbelasting), notary fees, valuation costs, and mortgage advisor fees. ### NHG (National Mortgage Guarantee) Information about Nationale Hypotheek Garantie - Dutch government mortgage guarantee scheme. Maximum amounts, eligibility, and benefits for home buyers. ### Interest Rate Comparison > https://huiskoopwijzer.nl/nl/rente-vergelijken > https://huiskoopwijzer.nl/en/interest-comparison Compare mortgage interest rates and see the impact on monthly payments and total costs over the mortgage term. ### Family Help & Gift Tax > https://huiskoopwijzer.nl/nl/familiehulp > https://huiskoopwijzer.nl/en/family-help Calculate gift tax exemptions (schenkingsvrijstelling), family loan impact, and optimize gift-loan combinations for home purchases in the Netherlands. ### Equity Calculator (Overwaarde) > https://huiskoopwijzer.nl/nl/overwaarde-calculator > https://huiskoopwijzer.nl/en/equity-calculator Calculate home equity (overwaarde), mortgage-free value, and understand borrowing potential against your property. ### Rent vs Buy Comparison > https://huiskoopwijzer.nl/nl/huren-vs-kopen > https://huiskoopwijzer.nl/en/rent-vs-buy Comprehensive comparison of renting versus buying in the Dutch housing market, including tax benefits and long-term financial impact. ### Municipal Housing Costs > https://huiskoopwijzer.nl/nl/gemeentelijke-woonlasten > https://huiskoopwijzer.nl/en/municipal-taxes Compare property tax (OZB), waste collection fees, and sewerage charges across Dutch municipalities to understand true housing costs. ### Extra Mortgage Payments > https://huiskoopwijzer.nl/nl/extra-aflossingen > https://huiskoopwijzer.nl/en/extra-payments Calculate the impact of extra mortgage payments on interest savings and mortgage term reduction. ### Step-by-Step Home Buying Guide > https://huiskoopwijzer.nl/nl/stappenplan > https://huiskoopwijzer.nl/en/step-by-step Complete guide for first-time buyers on the Dutch home buying process from mortgage application to property transfer. ### House Value Predictor > https://huiskoopwijzer.nl/nl/woningwaarde-voorspeller > https://huiskoopwijzer.nl/en/house-value-predictor Predict property values based on location, size, year of construction, and energy label using Dutch housing market data. ### New Construction Planner > https://huiskoopwijzer.nl/nl/nieuwbouw-planner > https://huiskoopwijzer.nl/en/new-construction-planner Plan your new construction home purchase with timeline tracking and milestone management. ## Blog & Guides > https://huiskoopwijzer.nl/nl/blog > https://huiskoopwijzer.nl/en/blog Latest articles on Dutch housing market trends, mortgage rules changes, tax benefits, and home buying advice. Featured articles: - Nederlandse woningmarkt 2025-2026: Trends & Voorspellingen - Huizenprijzen blijven stijgen in 2026 - Hypotheekregels 2025 vs 2026: Complete gids - Woningmarkt Nederland 2026 voor starters - Starters op de woningmarkt: Complete gids Topics covered: - 2026 Dutch mortgage rules and changes - Housing market forecasts and price predictions - First-time buyer strategies and tips - Mortgage interest tax relief (hypotheekrenteaftrek) - Notary costs and tax deductions - Municipal housing costs comparison - NHG (National Mortgage Guarantee) changes - Buyer's costs breakdown and optimization ## Useful Resources > https://huiskoopwijzer.nl/nl/bronnen > https://huiskoopwijzer.nl/en/resources Curated list of official Dutch resources for home buyers including government services, mortgage advisors, real estate platforms, and housing market data sources. ## FAQ > https://huiskoopwijzer.nl/nl/faq > https://huiskoopwijzer.nl/en/faq Frequently asked questions about Dutch mortgages, home buying process, costs, and regulations. ## Technical Information - Independent and free to use - No registration required - Privacy-focused (GDPR compliant) - All calculators use official Dutch tax and mortgage rules for 2026 - Regular updates to reflect current regulations ## Creator Created by Martijn Minderhoud as a free resource for navigating the Dutch housing market. LinkedIn: https://www.linkedin.com/in/minderhoudmartijn ## Important Dutch Mortgage Terms - Hypotheek = Mortgage - Maximale hypotheek = Maximum mortgage - Leencapaciteit = Borrowing capacity - Kosten koper = Buyer's costs - Overdrachtsbelasting = Transfer tax - NHG = National Mortgage Guarantee (Nationale Hypotheek Garantie) - Schenkbelasting = Gift tax - Schenkingsvrijstelling = Gift tax exemption - Overwaarde = Equity/home equity - OZB = Property tax (Onroerende Zaak Belasting) - Hypotheekrenteaftrek = Mortgage interest tax deduction - Notariskosten = Notary costs - Taxatiekosten = Valuation costs - Woningwaarde = Property value - Maandlasten = Monthly costs ## Contact & Support Support the project: https://www.buymeacoffee.com/martijnminderhoud Website: https://huiskoopwijzer.nl --- Last updated: 2026-03-14