According to calculations by the Association of Home owners (VEH) can home buyers that use the National mortgage guarantee scheme (NHG) with a mortgage rate of below 2 percent will have less to borrow. The NHG-standard in 2017 at 245.000 euro.
A low interest rate also means lower tax deductions. As a result, there is less disposable income, leaving less money on a mortgage can be spent. The hypotheeknormen are on the advice of the National Institute for family finance information (Nibud) are defined, so that people not in the financial difficulties due to high housing costs.
Nibud reported earlier that the leennormen by 2017 be increased. By the increase of the purchasing power did the Dutch have more room to borrow money for a house, according to the voorlichtingsinstituut. In addition, due to the low interest rates, the risks are somewhat lower.
Not everyone
But this principle does not apply to everyone. VEH calculated that at an interest rate of 1.75 percent a eenverdiener with an income of 35,000 euros next year, more than 8,000 euros less able to borrow than it is now.
For two-income households with a joint income of 40,000 euro, the mortgage even more than 9.000 euro lower. Despite the fact that the second income from next year for a bigger part of the equation in the calculation of the mortgage.
In 2017, the rules around mortgages are slightly more stringent. So may home buyers up to 101 percent of the woningwaarde borrow, but now it is 102 percent. In 2018, that will be further reduced to 100 percent.
Also, the mortgage interest deduction each year is reduced. This year, the maximum tax rate at which mortgage interest can be deducted 50,5 percent. Next year, that will be further reduced to 50 percent.
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