“The question is whether the housing market is mature enough to stand on its own feet,” said Ger Hukker, chairman of real estate organization NVM. He himself says he does not know the answer.
Hukker compares it to the time that his daughter learned to ride a bike without training wheels. “It seems to be going well at the moment you let go, but sometimes you have to run fast even if it threatens to go. Further wrong”
” A year ago, there was panic in The Hague, on how the housing market had to be. taken out of the doldrums A year later, they pull their hands off, because “the policy has worked.”
2015
The extended grant exemption is not extended and there is no extra money for starters loans. As of July 1, 2015 also invalidated the low VAT rate on labor of rebuilding and renovation.
In addition, the maximum loan amount decreases relative to the value of the property (loan to value) by 1 percentage point to 103 percent borrowing capacity is constrained by Nibud. Also, January 1, the maximum mortgage 0.5 percentage point. Again
However, consumer confidence rises, mortgage rates low and rents are increased next year.
Monthly
“The competitiveness of the apartment for rent has improved,” says Hukker. A simple calculation shows that the net costs significantly decreased compared to the fourth quarter of 2009.
The mortgage rate has fallen from 5.2 to 3.4 percent. The average house price has fallen from 229,000 to 214,000 euros, making the required mortgage also fell.
The net costs in this sample dropped from 969 euros in 2009 to 771 euros in 2014 A decrease of 21 percent while the buyer is also another 270 redeems in 2014.
Amsterdam
especially in parts of the Netherlands where rental properties are scarce and rents are high, it is therefore not surprising that people choose a house.
In Amsterdam is also sold some of the houses above the asking price outside the center. This ranges from 3.2 percent of homes in Osdorp to 21.2 percent of the homes in East / Watergraafsmeer. But in Amsterdam are many homes for more than a year for sale.
Future
Hukker sees 2015 by confidence, though the percentages of the number of sales normalize. He expects the number of transactions will be lower than in 2014.
0 to 10 percentThe NVM chairman warns to finish building. Loan to value no further It would be a “death blow” which would be provided. As ideas on reducing this percentage to 80 percent reality
Buyers must bring more of their own money, but according Hukker is not to save against rising house prices . “In addition, a starter with an annuity after ten years, 23 percent repaid, so what are we talking about?”
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