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Netherlands 💰 EUR Last updated2026-05-28 Hypotheek Calculator
Netherlands
A €380,000 NHG mortgage at 4.0% over a 30-year annuity term works out to a monthly payment of about € 1.814, with total interest of € 273.104 over the full term.
Mortgage Calculator
Local context Hypotheeks in Netherlands
Market overview
Dutch mortgages are dominated by ING, Rabobank, ABN AMRO, and Aegon. The market is heavily shaped by NHG (Nationale Hypotheek Garantie), a state-backed guarantee available up to €435,000 (2026) that drops mortgage rates by ~30-50 basis points. 30-year terms are standard and most loans must be annuity or linear repayment to qualify for tax relief.
Why 4% is the typical rate
4.0% reflects the median 10-year fixed rate for an NHG-eligible borrower with 90%+ LTV in early 2026, after the ECB started its rate-cut cycle. Shorter fixed periods (5-yr) trade around 3.5-3.7%.
Tax & regulatory notes
Mortgage interest is deductible (hypotheekrenteaftrek) but only for annuity/linear mortgages on the primary residence, with the deduction rate being phased down to ~37% from its peak. Overdrachtsbelasting (transfer tax) is 2% for owner-occupiers, 0% for first-time buyers under 35 buying below €525,000 (2026 cap), 10.4% for investment properties.
Local banks Netherlands mortgage rates by bank
The main hypotheek lenders in Netherlands, with indicative 2026 rates and typical loan-to-value caps. Rates vary by borrower profile, residency and property type. Use the calculator above with each bank's quoted rate to compare your real monthly payment.
ING
The largest Dutch retail bank and a hypotheek market leader. Ten- and twenty-year fixed periods dominate; interest is tax-deductible only on annuity or linear repayment schedules for post-2013 loans.
Rabobank
Co-operative giant with the deepest branch presence outside the Randstad. Strong on self-build and agricultural-adjacent property; pricing is level with ING for standard annuity mortgages.
ABN AMRO
Third of the big three, popular with expats via its dedicated international desk (English-language advice, 30%-ruling income accepted). The Netherlands allows up to 100% LTV, no down payment required, though buyer costs (~4-6%) are paid from savings.
Obvion & insurer-lenders (NHG)
Rabobank-owned Obvion, plus Aegon/Nationale-Nederlanden, compete hard on NHG-guaranteed mortgages (homes under the NHG cap). The guarantee cuts rates by ~0.3-0.6% versus non-NHG loans.
Indicative rates compiled from public bank disclosures and central-bank data for 2026; not a quote or an offer of credit. Confirm current terms directly with the lender.
A €380,000 NHG mortgage at 4.0% over a 30-year annuity term
€ 380.000 4% 30 years (360 months) € 1.814 € 273.104 € 653.104 
