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"If you are considering moving to your first or other owner-occupied home, be well informed in advance about your options to avoid possible disappointments later. Often only the feasibility of the mortgage is considered but its affordability should be the main focus."
Erik Rebergen - Mortgages & Housing
Expert mortgages for 15 years
All about mortgages
If you are going to look for a house, then of course you would like to know what your mortgage will be. That way you will know immediately within what budget you can start looking for your dream home.
Plus, you can then be sure that your monthly mortgage payments are a good match for your income and expenses.
At Alpina.nl you can easily calculate your mortgage online.
Calculate maximum mortgage
The maximum mortgage is an indication of the highest amount you can borrow based on your income. You will then immediately see an indication of your monthly mortgage payments. Calculating your maximum mortgage in advance gives clarity about how much mortgage you can get. This way you can immediately search for a house in the right price category. With our calculation module you can calculate how much mortgage you can get.
Mortgage student debt
Do you have student debt? Even then you can just buy a house! However, your student debt does affect the maximum amount you can borrow. The mortgage calculation looks at the total amount you borrowed at the time and when the debt was incurred. A certain percentage of the original debt is deducted from the maximum living expenses per month. This is 0.65% for study debt from the old system or 0.35% for study debt from the new system.
For example, you can increase your mortgage when you remodel, making your home worth more. There are several options for increasing your mortgage. If your mortgage is registered at the notary higher than the amount you currently borrow, you can increase the mortgage to the amount for which the mortgage is registered. This is also called private raising. You can also take out a second mortgage. In that case, however, a new mortgage deed must be made and you pay notary and registration fees again.
Surplus value mortgage
If your house is worth more than your mortgage, we call this excess value. Is the house worth €450,000, but the mortgage is €400,000? Then you have a surplus value of €50,000. In some cases it is possible to withdraw the surplus value on your mortgage. This can be done, for example, to supplement your (retirement) income or to make adjustments to the house. Think, for example, of making the home more sustainable or senior-friendly.
Mortgage interest is the interest you pay on your mortgage. Each month you pay interest on the amount of your mortgage debt. Depending on which type of mortgage you take out, the amount you pay in interest will be lower or remain the same. The mortgage interest rate depends partly on how long you want to fix the interest rate. During this period, the mortgage interest rate remains the same, so you know exactly what your monthly costs will be. However, it is often the case that the longer you fix the interest, the higher the interest rate.
The amount you borrow from the bank for your mortgage, you have to pay back. This is called mortgage repayment. In most cases, mortgage repayment is done monthly, through monthly mortgage payments. Within the agreed number of years, you repay the mortgage in full. With most mortgages it is possible to make additional repayments. By repaying extra, you have repaid the entire amount early and are therefore mortgage free sooner.
Mortgage comes from the word mortgage loan. It means that you borrow a certain amount of money from the bank to pay for the purchase of your home. You pay this amount back to the bank during the term of the loan through monthly mortgage payments. The maximum amount you can borrow depends on a number of factors, including your income, your financial obligations (such as a loan or student debt), the house you want to buy and the interest rate.
Applying for a mortgage consists of a number of steps. From the initial consultation to providing all the documents and signing the mortgage deed. Before you actually pay your mortgage, you are quite a while away. How long it takes to apply for a mortgage varies by situation. On average, a mortgage application takes about 4 to 8 weeks, but every mortgage application is different. For example, it can also be arranged within a week.
The most common mortgages
There are a variety of mortgage types. Below is a clear overview of some examples.
There are also savings mortgage, bank savings mortgage, life mortgage, hybrid mortgage, investment mortgage and credit mortgage.
The annuity mortgage
With this mortgage, you pay relatively little repayment and high interest at the beginning of the repayment period. Gradually, however, you pay more principal and a little less interest. The net monthly costs also increase steadily as a result.
The linear mortgage
With a linear mortgage, you repay the same amount each month throughout the term. The interest rate you pay gets lower and lower, so your monthly expenses also get lower.
The grace-free mortgage
An interest-only mortgage is a type of mortgage where you pay only interest until the end date of the mortgage. In other words, you do not repay the mortgage. Because you do not repay the mortgage during the term, you must repay the loan in full, in one lump sum, at the end date. However, you can choose to make repayments during the term, but you don't have to. Often the term of an interest-only mortgage is 30 years.
Common mortgage questions
What is a mortgage?
A mortgage is a loan to buy a home with. When you buy a home, you borrow money from the bank to finance the home. Such a loan is officially called a mortgage loan. We usually shorten this to mortgage.
What can I borrow?
Wondering what you can borrow if you want to buy a house? Then you can make a quick calculation online. To determine the amount of the mortgage, a mortgage lender looks, among other things, at the gross annual income. Based on this, an initial calculation is made of the maximum mortgage you can get. Of course, you are not obliged to go for a maximum mortgage. You have to weigh how much mortgage you can and want to pay.
What kind of mortgage can I get?
Before you get your bearings on buying a house, you obviously want to know what kind of mortgage you can get. A mortgage lender looks at when calculating the maximum mortgage:
- Your financial obligations (such as student debt or alimony)
- The market value of the property you want to buy
- The interest
What is national mortgage guarantee?
National Mortgage Guarantee, also known as NHG, is a mortgage scheme. This scheme is run by the Home Ownership Guarantee Fund Foundation. This fund guarantees the repayment of your mortgage to the lender, should you run into problems with it. This offers the lender financial security, allowing them to give you an interest rate discount. This can quickly save you several hundred euros a year. In 2022, the NHG limit is €355,000, but in 2023 it will be €405,000. If you meet the conditions, you can get an NHG mortgage for any home you buy.
What documents needed for a mortgage?
When applying for a mortgage, you need to provide several documents. Your mortgage lender or advisor will give you a list of all the documents needed. You can think of:
- A preliminary sales contract (existing home) or the purchase/contracting agreement (new home construction)
- A copy of your passport/identity card
- Employer's declaration
- Annual statements
- Current statements of your bank and savings accounts
- Printout from mijnpensioenoverzicht.nl
- A list of debts
- A statement of your current student debt
Are you an entrepreneur? Then you must also submit the annual figures for the last 3 calendar years.
Which bank gives mortgage with BKR?
When you apply for a mortgage, the mortgage lender always looks to see if you have a BKR registration. This allows them to see what credit you have and whether you are behind on a payment somewhere. This way they try to estimate whether you can pay the mortgage. In most cases, a BKR registration affects the amount of money you can borrow. We distinguish two types of BKR registrations: positive and negative.
For example, a positive BKR registration is when you have a loan for which you are neatly meeting your payment obligations. A negative BKR registration is when you are 3 months behind in paying off a loan. With a negative BKR registration it is not possible to take out a mortgage with many lenders. Your mortgage advisor can give you more information about this. A positive BKR registration also affects the maximum mortgage amount you can borrow. You pay interest and repay the loan, leaving you with less money each month to pay the mortgage expenses.
When to transfer mortgage?
Refinancing a mortgage means paying off your current mortgage and taking out a new mortgage. You do not necessarily have to be with your current bank for a new mortgage, but can also be with another mortgage lender. This can lower your monthly expenses. If the mortgage interest rate is lower than the interest rate you are currently paying on your mortgage, then you can gain a financial advantage by switching. After all, a lower mortgage interest rate results in lower monthly expenses. However, keep in mind that there are costs associated with mortgage switching. You pay advisory, notary and appraisal fees. Do you transfer the mortgage during the fixed-interest period? Then in most cases you also have to pay a penalty.
How long does a mortgage application take?
Exactly how long a mortgage application takes varies by situation. On average, a mortgage application takes about 4 to 8 weeks. This is from the initial interview to the final approval from the mortgage lender and the signing of the mortgage deed. However, the application can also be complete as soon as a week after all the documents are submitted, but it can sometimes take longer.
What is a mortgage deed?
A mortgage deed is the document that records all the details and provisions related to your mortgage.
We are happy to help you with a customized mortgage calculation. You indicate your requirements, then you will immediately receive a calculation of the best suited mortgage.
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