Real estate in the Netherlands: The best choice for investment

The interest in housing in Europe is steadily growing. Countries with high legal protection and stable economies regularly come into the focus of foreign investors. The question of whether a foreigner can buy property in the Netherlands is becoming more common, especially among non-residents looking for a place to live, rent or invest.

Is it possible for a foreigner to buy real estate in the Netherlands: the legal basis

Before making a transaction, it is important to clearly understand that the country’s legislation does not impose strict restrictions. The answer to the question of whether it is possible for a foreigner to buy property in the Netherlands is yes. The transaction is allowed for both EU citizens and residents of other countries.

Differences:

1. EU citizens execute the transaction according to the standard procedure.

2. Non-residents with non-EU citizenship participate under the same conditions, but with additional requirements for verifying the source of funds and sometimes for visa status.

The restrictions do not apply to the purchase itself, but to certain categories of real estate, for example, some municipal programs or a social fund.

What you can buy: objects, types, format of property

The Netherlands offers a variety of segments. Housing is available for personal ownership without land lease or temporary rights. A foreigner acquires an object with the right of full registration in the cadastre.

Popular places:

1. A city apartment.
2. A house in the suburbs.
3. Apartments in new residential complexes.
4. Land for building.
5. A buy-to-let facility.

Is it possible for a foreigner to buy a house in the Netherlands? Yes. You can purchase a private property, a townhouse, a villa. The country does not require local registration to complete the transaction.

Transaction features: step-by-step algorithm

The purchase process is subject to general rules and does not require a special status. The transaction is accompanied by a notary, the object is registered in the state register, and the contract sets out the terms of the transfer of rights.

The sequence of actions:

1. Choosing an object and offering a price.

2. Signing of a preliminary agreement.

3. Making a deposit (usually 10%).

4. Legal review of the facility.

5. Preparation and signing of the basic contract with a notary.

6. Transfer of ownership and registration.

This procedure for buying real estate in the Netherlands for foreigners follows a transparent, proven algorithm and protects both sides.

Is it possible for a foreigner to buy real estate in the Netherlands on credit or mortgage?

Banks provide loans to non-residents, but under enhanced conditions. The main requirement is a stable income, a transparent source of funds, and a proven financial history.

Key conditions:

1. Down payment: from 30%.
2. Rate: higher by 1-1.5% compared to residents.
3. Term: up to 30 years.
4. Collateral: the property itself.
5. Additional guarantees: surety, deposit.

Is it possible to buy a property in the Netherlands for a foreigner with a mortgage? Yes, but you will have to take into account higher costs and efforts to collect documents.

Cost list: what makes up the final amount

Any transaction requires not only the price of the object, but also the calculation of all related costs. Transparency is a key principle in the market.

Cost list:

1. The cost of the facility is by agreement of the parties.

2. Notary services — 1000-2500 euros.

3. Registration of the right — 100-200 euros.

4. The purchase tax is 2% for individuals, 8% for investments.

5. Agent’s services — 1-2% of the transaction amount.

6. Bank fees depend on the buyer’s country of origin.

7. Translations and assurances — from 200 euros, depending on the language and volume.

Restrictions for foreigners when buying property in the Netherlands

There are no formal prohibitions. But there are indirect restrictions that affect the choice and procedure.:

1. Access to social real estate is limited.
2. In some areas, there is a purchase priority for local residents.
3. Financial verification is more stringent when capital originates from outside the EU.
4. Difficulties in buying through offshore structures.

If the laws are followed and the transaction is clearly documented, there are no restrictions for foreigners.

Documents: complete set, translation, verification of compliance

In order to confirm the validity of the purchase, the buyer must collect an exhaustive package of documents. The law requires absolute transparency of the transaction. Even the best facilities lose their liquidity if the buyer is missing one of the critical points. A notary performs not only a technical but also a legal function. Verification concerns the identity of the buyer, the source of funds, and the property status of the facility. All documents must be submitted at least 3-5 business days before signing the main agreement. Any foreign document is accompanied by a translation into English or Dutch. The translation must be certified by a certified specialist (beëdigd vertaler). A simple certificate without a signature and seal does not work.

List of documents:

1. A foreign passport with an up-to-date visa or entry stamp.

2. Confirmation of the address of residence in the country of origin — utility bill, bank letter.

3. The source of funds declaration is a detailed description of the origin of capital, especially for amounts above 100,000 euros.

4. Income statement or tax return for the last 2 years.

5. A bank statement showing the movement of funds for 6 months.

6. The taxpayer’s INN or registration number (if it operates in the EU).

7. A written power of attorney, if the transaction is represented by an agent or attorney.

8. A mortgage agreement, if a loan is used.

9. Preliminary purchase agreement (if signed earlier).

Risks of incomplete documentation:

1. Blocking the transaction.
2. Notification to Financial Control.
3. Freezing of funds on the account.
4. Refusal to register ownership rights.

All forms are checked before the transfer of the advance payment. In case of doubt, the notary notifies the financial authorities.

The issue of taxes: fixed fees, estimates, income

The taxation system for the purchase of real estate includes several levels — federal, municipal and revenue. Is it possible to buy a property in the Netherlands for a foreigner without paying taxes? No. Any purchase is recorded in the tax base, regardless of nationality.

Property purchase tax

The fee is paid once upon transfer of ownership. The bid depends on the status of the buyer and the purpose of the purchase.:

• 2% — if the property is purchased as a primary residence;
• 8% — when buying for investment purposes or if there is no registration in the country.

The amount is paid to the notary’s account before signing the contract.

Annual Property Tax (WOZ)

The municipality calculates the tax based on the cadastral value of the property. The calculation is updated annually, taking into account market adjustments. Average rate: 0.04%-0.12% of the cost of the property. Example: an apartment worth 400,000 euros obliges the owner to pay 400-1200 euros annually.

Municipal fees

Monthly fees include area maintenance, garbage collection, sanitation, water supply, and local services. The average range is 40-90 euros per month.

Tax on rental income

If the property is rented out, the income is declared. The rate depends on the form of ownership:

1. An individual is subject to the Box 3 category (asset tax).
2. Company — is taxed as corporate income.

The percentage varies from 1.2% to 1.7% of the property’s value, depending on the ownership structure and rental rate.

Double taxation

If there is an agreement between the Netherlands and the country of citizenship, it is possible to offset the taxes paid. Most EU countries, as well as the United Kingdom, the United States, Switzerland and Canada have such an agreement.

Is it possible to buy a property in the Netherlands for a foreigner — resume

Is it possible to buy a property in the Netherlands for a foreigner: the rules remain one of the most transparent in Europe. The transaction is possible without restrictions on citizenship, and the procedure itself protects the rights of a non-resident. It is important to comply with the requirements for documents, take into account taxes and plan all expenses in advance.

Moving to another country is a significant step that requires not only careful preparation of suitcases and visa processing, but also a deep understanding of the legal aspects. Any long-term stay abroad begins with a choice between two key legal statuses: temporary residence permit (residence permit) and permanent residence (permanent residence). Both options provide an opportunity to legally live and work in a new country, but are governed by different rules.

The differences between a residence permit and permanent residence — what are they? This is not just a formality in the documents. These are fundamental differences in your rights, stability, level of responsibility and control by the state. This choice determines not only the legitimacy of your stay, but also the opportunity to build a fulfilling future without restrictions.

Differences between a residence permit and permanent residence: the legal basis

It may seem that residence permits and permanent residence provide a similar starting point — the opportunity to live and work abroad. However, their legal basis is fundamentally different: a residence permit is focused on a specific purpose of stay, whereas permanent residence emphasizes the status of a full-fledged member of society.

A residence permit is issued for a strictly defined period of time and is always linked to a specific reason: work, study, family reunification, business. Any change in these conditions may require an extension of the residence permit, a change in its type, or even cancellation. This means constant dependence on external factors and the need to regularly confirm the validity of your stay.

Permanent residence, on the contrary, frees you from such a binding. It does not depend on a specific employer or educational institution, does not require regular confirmation every few months, and is usually issued indefinitely or for a very long period with minimal conditions for renewal. Permanent residence confirms your right to be a full-fledged part of society, providing much greater freedom and stability.

Labor market opportunities: the difference between a residence permit and permanent residence

The rights granted by each status vary greatly in their depth, and this is especially noticeable in practice. The differences between a residence permit and permanent residence are most obvious in the field of employment and social life.

If you have a residence permit, your opportunities in the labor market may be significantly limited. For example, a work residence permit often does not allow you to open your own sole proprietorship or engage in freelancing, while a student’s residence permit may limit or prohibit work hours altogether. Access to most social benefits and government support programs with a residence permit is also limited.

Permanent residence, on the contrary, removes these restrictions. With it, you can:

• Freely change employers without the need to re-issue documents.
• Move from one region to another without losing your status.
• Open your own business (sole proprietor, LLC, etc.) without additional permits.
• Apply for social benefits and participate in government support programs on an equal basis with the citizens of the country.

Permanent residence provides much greater flexibility and independence in professional activities.

Your status in crisis: sustainability of residence permit and permanent residence

The migration path is rarely completely smooth. Losing your job, changing your life plans, or having to move to another city can all jeopardize your temporary status. It is at such moments that the differences between a residence permit and permanent residence are especially acute.

A residence permit is a status that depends on the stability of external circumstances. If the reason for its issuance (for example, a work contract or university admission) disappears, you risk losing the right to stay in the country and being forced to leave it.

Permanent residence creates internal stability. It guarantees the preservation of your rights even in the event of a sudden change in circumstances (for example, job loss or divorce). This status protects you from having to leave the country immediately and allows you to make long-term plans: buy real estate, invest, get a mortgage, without fear for your future.

Path to citizenship and integration: differences between a residence permit and permanent residence

For many immigrants, the ultimate goal is to obtain citizenship of a new country. The path to a passport often goes through obtaining permanent residence.

The period of stay on a residence permit is rarely fully taken into account when calculating the period required for naturalization. It is often necessary to obtain permanent residence first, and only after that the countdown for obtaining citizenship begins.

The period of permanent residence is almost always taken into account without reservations when calculating the deadline for applying for citizenship. This greatly simplifies the procedure, eliminates delays, and minimizes the risk of failure. In some countries (for example, in the Netherlands or Spain) This can mean the difference between waiting 10 years and being able to apply for citizenship within 5 years of obtaining permanent residence.

Comparison of key characteristics: Residence permit vs permanent residence

For clarity, let’s present the differences between a residence permit and permanent residence in a convenient table.:

How status differences affect a migrant’s life: let’s look at examples

Formally, both statuses give the right to legal residence, but in practice, the differences between a residence permit and permanent residence form completely different life scenarios. A residence permit makes your stay dependent on external factors that can change at any time, while permanent residence gives you independence from the constant need to confirm the reason for staying in the country.

One of the most striking examples is an entrepreneur in the Netherlands. If you have a residence permit based on doing business, you will usually have to prove the economic viability of your project every year. In case of losses, a temporary decrease in income or a drop in demand, the residence permit may not be extended. Even short-term difficulties, such as market changes or rising costs, are fraught with consequences for your status. If you have permanent residence, there are no such bureaucratic obligations: your business can develop without constant bureaucratic pressure, even during unstable periods.

The second example is a family in Spain. A residence permit issued on the basis of family reunification is often linked to a specific region (autonomous region). To move to another part of the country, a new residence permit may be required, which entails additional bureaucracy and time costs. There are no such regional restrictions on permanent residence, which gives freedom to choose a place of residence and work throughout the country.

When to choose permanent residence, and when to choose a residence permit?

The right choice depends on your goals, planning horizon, and level of confidence in your future in a new country. The differences between a residence permit and permanent residence show that these statuses do not compete, but correspond to different life strategies.

If your goal is a short—term stay with the possibility of returning to your homeland, then a residence permit makes sense. It is ideal for:

1. Academic training programs.
2. Time-limited work contracts or internships.
3. The first year of adaptation in a new country, especially in countries with relatively lenient visa conditions.

A permanent residence permit should be chosen when planning a long-term stay abroad and striving for full integration. This status is preferred for those who:

1. He plans to conduct business without restrictions and bureaucratic red tape.
2. He wants to provide children with access to full-fledged education on an equal basis with citizens.
3. Needs stable access to medical care without restrictions.
4. I intend to purchase real estate and finally gain a foothold in the country.
5. Considers the possibility of naturalization and obtaining citizenship in the future.

Permanent residence removes most of the bureaucratic barriers, frees you from frequent inspections and creates space for confident long-term planning. Unlike a residence permit, it allows you to change the direction of your life (for example, change your profession or move) without the risk of losing your legal status.

If your immigration scenario involves moving the whole family, making serious investments in housing, or registering your own company, it makes sense to immediately focus on obtaining a permanent residence permit. This will save years of waiting, reduce the number of requests to immigration services and minimize dependence on short-term circumstances.

Conclusion

The differences between a residence permit and permanent residence lie much deeper than just the validity period of the document. They determine how a person will live in a new country: temporarily, with constant consideration for conditions and restrictions, or stably, with broad prospects for the future. Making a conscious choice between these two statuses is not just a bureaucratic procedure, but a strategic decision that will affect every aspect of your life abroad.

Investing in commercial property abroad is becoming an increasingly attractive option for diversifying an investment portfolio. The opportunities offered by foreign property markets, especially in countries with developed economies, guarantee not only stable income but also growth in asset value.

Advantages of investing in commercial property abroad

Investing in overseas commercial property offers a range of opportunities that cannot be ignored. The most important of these are income stability, capital protection, and growth potential.

Passive income

The advantages of investing in overseas commercial property include high returns. The average rental return on such properties ranges from 5% to 12% per annum, depending on the region, type of space and level of local infrastructure development. Some areas, such as those in emerging markets, can provide yields of up to 15% per annum.

Examples of high-yielding assets include office and retail space in major tourist centres in Europe and Asia. At such facilities, tenants can sign long-term contracts with indexation of rents, which protects the investor from inflation risks and allows for stable passive income in currency.

Diversification and stability

Diversification of investments through the purchase of foreign commercial property significantly reduces the risks associated with fluctuations in local markets. By concentrating capital in different countries and on different types of objects (retail space, offices, hotels), an investor can achieve greater stability.

Especially in the markets of the Netherlands, Germany, Spain and other Western European countries, diversification helps to balance risks: even in case of fluctuations in one of the economies, another format can compensate for losses.

Capital protection

One of the most attractive factors of investing in commercial property is capital protection. By acquiring assets abroad, an investor minimises the risks associated with economic instability in his country. Overseas square metres are secured by local legal regulations that protect the rights of owners, as well as by international treaties. For example, in the Netherlands and other EU countries there is a clear legal framework protecting the interests of investors. In case of instability in the country’s market, capital protection is activated thanks to legal regulations and international agreements.

Advantages of taxation

Taxes on income from investing in overseas commercial property can vary significantly from country to country. Many EU states, such as the Netherlands or Spain, have double taxation systems that allow investors to avoid double taxation of profits. In countries with tax incentives for foreign investors, such advantages make the purchase of properties particularly favourable.

The Netherlands is a good commercial property market

The Netherlands represents one of the most stable and progressive commercial property markets in Europe. The combination of economic stability, affordable tax policies and high rental yields make this country one of the market leaders for foreign investors.

Economy: stability and opportunities

The Netherlands is one of the largest and most resilient economies in Europe, with a steadily growing GDP and low unemployment. The quality of life and high level of earnings contribute to the growth of consumer demand, which positively affects the commercial property market.

The stability and transparency of the economy attracts investors. At the same time, the average rental yield on commercial property in the Netherlands is 5-7% per annum – an excellent indicator in the context of stable economic growth.

Advantages of taxation for foreign investors

The Netherlands is known for its attractive taxation system for foreign investors. The legislation provides an opportunity to avoid double taxation through various international agreements and incentives. This allows investors to significantly increase rental yields and growth in the value of properties.

Location and accessibility

The geographical location of the Netherlands in the centre of Europe and its developed transport infrastructure contribute to high demand for commercial property. Amsterdam, Rotterdam and Utrecht are the largest cities where space is steadily increasing in value, providing stable rental income. Many international companies have chosen these regions as bases for their offices and representative offices.

How to choose an overseas commercial property for investment

Choosing the right property abroad requires careful analysis. To understand where to invest, you need to consider several factors such as:

1. Location of the site – the highest return will be in economically active areas with a high concentration of business or tourism.

2. The type of property – offices, warehouses, retail space or hotels have different yields, so it is important to choose a property that suits your investment objectives.

3. Infrastructure and transport – the presence of developed transport hubs and proximity to major business districts or tourist areas significantly increases the value and attractiveness of the property.

Why it is profitable to invest in commercial property abroad

Investing in overseas commercial property offers a wide range of benefits. It not only stabilises the investment portfolio, but also protects the capital from instability in the home market. The Netherlands, as one of the leading European markets, provides favourable conditions for long-term investments, ensuring high returns and asset security. Investors who choose to invest in commercial property abroad have the opportunity not only to earn money, but also to protect their funds from risks associated with market fluctuations and currency instability.

Real estate in the Netherlands is traditionally associated with high prices, dense development and frantic demand. Outside Amsterdam and Rotterdam lies another market – more stable, affordable and promising. Dutch cities with cheap property offer a real alternative to overheated metropolises. Here, buying a home offers not only benefits, but also freedom of choice: more square metres, a quieter environment, reliable rental income.

1. emmen: space, ecology and economy

Emmen occupies a key position among destinations with attractive housing costs. The average price per square metre of around €2,100 makes it particularly accessible to first-time investors. This figure remains 40-50 per cent lower than in Rotterdam or Utrecht, and the quality of housing and urban planning remains high. The development of the city is focused on sustainability, with an emphasis on low-carbon transport, energy-efficient neighbourhood redevelopment and the creation of green public areas.

The region is actively developing co-operation with the German border regions. This provides additional population flows, employment in cross-border projects and rental demand. Industrial zones and logistics centres offer jobs, and educational programmes at local colleges strengthen Emmen’s position as a centre of attraction for young people. Dutch cities with cheap property rarely combine sustainability, dynamic development and stable capital growth at once.

2. Heerenveen: sport, stability and logistics

Heerenveen is not only a sporting symbol of the Netherlands, but also a city with a well-developed infrastructure and a balanced price policy. The cost per square metre is kept at around €2,400, while the city administration continues to invest in roads, digital infrastructure and support for small businesses. Sporting events and academies provide a steady stream of temporary tenants, while logistics companies are developing warehouse properties within the city limits.

The proximity to the major administrative centres of Groningen and Leeuwarden generates sustained economic activity. The urban layout provides convenient connections to neighbouring regions, making Heerenveen a strategic place to live and invest.

3. Venlo: industry, border, benefit

Venlo is strategically located on the eastern border of the country and is actively using this factor to attract investment. The average cost of housing is around €2,200 per square metre, making the market accessible to both local buyers and international investors. The city is developing as an important logistics hub – there are large distribution centres, warehouses and transport companies oriented to the whole of Benelux and Germany.

The border location allows to attract tenants from different countries. Venlo creates a multicultural environment in which demand for housing remains high all year round. Local authorities are investing in landscaping, modernising roads and simplifying building regulations. Dutch cities with cheap property and access to cross-border business form a unique profile – strong demand, fast tenant turnover and the potential for above-average price growth.

4. tilburg: student drive and cultural dynamics

Tilburg demonstrates a vibrant combination of academic energy, a creative environment and a stable rental market. The university, cultural clusters and festivals form a continuous flow of temporary residents – students, young professionals and teachers. The cost per square metre remains at 2,600 euros, which compares favourably with similar educational centres in the country.

Price growth in Tilburg is uniform – 5-8% per year, due to the interest in investments in compact housing. New neighbourhoods are targeted at a young audience, offering studio flats, public spaces and convenient transport accessibility. The city does not depend on seasonal tourism, which makes the rental market predictable. \

5. Zwolle: administrative stability and silence

Zwolle retains its status as a reliable centre in the north-eastern part of the country. The average cost per square metre – around €2,500 – remains lower than in Utrecht, while the city offers high social stability and a clean environment. As the capital of the Overijssel province, Zwolle manages regional institutions, educational centres and hospitals, which creates a constant demand for renting and buying homes.

Municipal programmes support housing renewal, green renovation of neighbourhoods and affordable housing for families. A well-developed infrastructure and balanced planning make the city a convenient place to live and invest. Where to buy a house cheaper in the Netherlands and still retain all the elements of urban energy – Zwolle holds a strong position among such destinations.

6. Apeldoorn: parks, silence and safety

Apeldoorn offers a quiet and measured life away from the tourist noise. The average price per square metre of €2,400 is combined with high environmental standards, well-developed social infrastructure and security. The town forms an attractive environment for those seeking privacy, stability and clean air.

Demand is fuelled by families, older Europeans and government employees. Apeldoorn is home to parklands, museums, cultural centres and lacks the pressure of mass tourism. This makes housing liquid and resistant to fluctuations in demand. Dutch cities with cheap property rarely combine such quietness with real investment appeal.

7. Leeuwarden: student centre and budgetary choices

Leeuwarden occupies a key place in the educational map of Friesland. The city is actively developing the infrastructure around universities, colleges and research centres. This factor consistently generates a high demand for renting and buying housing. The price per square metre starts from 2,200 euros, and the offer covers a wide range – from small-sized flats to two-storey townhouses.

The city focuses on creating an accessible environment for young professionals and students, combining cultural initiatives, start-up programmes and improved public transport. Leeuwarden offers the opportunity to buy a home with a low entry threshold and a quick income through daily or long-term rentals.

8. De Fenter: history, logistics and growth

De Fenter offers a rare combination of historical atmosphere and industrial pragmatics. The city retains its medieval architecture, cosy centre and active business area. The cost per square metre – between €2,600 and €2,700 – is showing moderate growth, driven by the influx of logistics and retail companies.

The municipality is modernising waterfronts, developing river ports and investing in transport interchanges, which strengthens the city’s position as a logistics hub in the eastern part of the country. Property investments offer stable returns and the possibility of further growth through redevelopment of older neighbourhoods.

9. Oss: an industrial city with potential

Oss is among the hidden favourites among small industrial centres. The city is actively developing the pharmaceutical, chemical and transport sectors, which creates a steady demand for housing from factory and office workers. The average price of €2,300 per square metre makes this city a favourable entry point to the market. The market here is not prone to overheating and allows you to invest without the risk of overvaluation. Dutch cities with cheap property located outside the tourist destinations form a stable tenant base, especially in the long-term rental segment for workers and professionals.

10. Sittard-Gellen: a multicultural cluster

Sittard-Gellen is a border town with a distinctly international character. The cost per square metre – around €2,100 – makes it one of the most affordable in the country. The geographical position between Belgium and Germany allows for the free flow of labour, capital and business connections. This is fuelling interest from expatriates, freelancers and digital specialists.

Dutch cities with cheap property: conclusions

Dutch cities with cheap property form the second layer of the market, where rationality triumphs over hype. They are suitable for those who build their investment strategy thoughtfully: they evaluate not advertising but parameters, not metres but potential. These cities offer more for less – from a square metre to the standard of living.

Mortgages in the Netherlands for foreigners have long ceased to be an exception. Financial institutions of the country regularly approve applications from non-residents, especially in Amsterdam, Rotterdam and other cities with an active business and educational environment. The reason is obvious – stable market, transparent mechanisms, fixed rates, high trust in borrowers. The government supports foreign capital, as it stimulates the economy and promotes the growth of investment activity. Banks not only approve transactions, but also adapt mortgage products to the international audience.

Mortgage eligibility: who can apply

Mortgages in the Netherlands for foreigners are available to citizens of EU and non-EU countries. The main condition is stable income and legal residence in the country. The presence of a residence permit speeds up the procedure, but is not mandatory.

A foreign borrower is eligible for a mortgage if:

• is officially employed in a company registered in the EU;

• receives income in euros or another stable currency;

• is registering property in the Netherlands in his own name;

• proves income by documenting 12-24 months of income;

• goes through a standard bank check.

Lack of citizenship does not reduce the chances if the basic requirements are met. It is important to understand: banks do not evaluate passports, but solvency, transparency of income and the purpose of the transaction.

Property loan in the Netherlands: types and terms

Financial organisations offer different formats. Mortgages in the Netherlands for foreigners include annuity and linear schemes. The first one implies fixed monthly payments, the second one – the amount decreases every year.

Terms:

• the standard period is 30 years;

• the average amount is between €150,000 and €500,000;

• minimum down payment – 10-20 %;

• possibility of early repayment – without penalties (within the limit).

The loan is most often issued for housing, and less often for commercial properties. At the same time, banks are willing to consider requests from freelancers, entrepreneurs, IT specialists and remote workers if regular income is confirmed.

Mortgage conditions in the Netherlands for foreigners: what influences the decision

Financial authorities consider several parameters at the same time. The level of risk is assessed through three key criteria: income, debt load and collateral.

Calculation formula:

• the permissible mortgage burden is not higher than 30-35% of net income;

• minimum rate – for income above 50,000 euros per year;

• коэффициент оценки объекта — 100 % рыночной стоимости;

• amortisation – compulsory from the first month.

The DTI (debt-to-income ratio) plays a crucial role. If debts on other loans exceed 10-15% of income, approval is questionable.

Documents for mortgage: preparation and verification

The paperwork package determines the speed and the outcome. To speed up the procedure, the borrower should collect the following documents for the mortgage:

1. Passport or residence permit.

2. Employer contract (or business statement).

3. A 12-month income statement.

4. Bank statement.

5. Tax Returns.

6. Proof of funds available for a down payment.

7. Contract for the purchase of the property.

8. Facility Assessment Report.

Financial advisors recommend having documents translated into English or Dutch and notarised. This speeds up bank due diligence and reduces the number of clarifying enquiries.

Mortgage interest rates in the Netherlands for foreigners: current figures

The rates are determined depending on the term, form of the loan and the borrower’s rating. Mortgage in the Netherlands for foreigners is formed according to the same principles as for citizens of the country.

Range of rates:

• fixed rates – from 3.1% to 4.5%;

• variable rates – from 2.8 per cent, but with upside risk;

• Hybrid schemes – combined 5-10 years ahead.

It is more favourable to choose fixed rates for 10-20 years, especially in times of market volatility. Some banks offer rates below 3 per cent if the customer deposits more than 30 per cent of the transaction amount.

Mandatory expenses: taxation and related charges

Mortgages in the Netherlands for foreigners are not limited to principal and interest payments. When buying a property, there are additional obligations that affect the final cost of ownership.

The financial burden is made up of:

• registration tax – 2% of the value of the object;

• the cost of notary services – 1,000-2,000 euros;

• bank commission – from 500 to 1,500 euros;

• real estate valuation – 400-700 euro;

• state registration of the mortgage – up to 500 euros;

• home and life insurance – 0.3-0.8 per cent of the amount per year.

All payments are fixed and transparent. The foreign buyer receives an estimate before the transaction and signs it together with the mortgage agreement. A special feature is the full inclusion of all costs in the legal part of the transaction, which minimises risks.

Main selection parameters

A mortgage in the Netherlands for foreigners requires the assessment of several aspects at once. To make the choice easier, you need to structure the process.

Type of property:

• flat in a new building (guaranteed quality, higher cost);

• house in a historical building (unique style, higher repair risks);

• investment studio (low entry threshold, stable demand).

Location:

• Amsterdam – high yields, maximum rates;

• Rotterdam – business centre, reasonable prices;

• The Hague – administrative area, stable demand;

• Utrecht is a student market, high tenant turnover;

• Leiden, Eindhoven are the new centres of technology.

Ownership Strategy:

• personal residence (long-term place fixation);

• renting out (passive income of 3-6% per annum);

• Resale in 5-10 years (capitalization of assets).

Type of mortgage:

• annuity (equal payments);

• linear (debt reduction is faster);

• combined (customisation for investment purposes).

Financial Parameters:

• down payment – minimum 10%, comfortably 30%;

• term – 30 years as standard, but intermediate terms are allowed;

• monthly load – not more than 35% of income;

• insurance is a must in any case.

Buying a property in the Netherlands with a mortgage: a real investor tool

The transition from renting to owning is a key stage in any expat’s life. A mortgage in the Netherlands for expatriates ensures the transition without excessive pressure and with clear mechanisms. Against the backdrop of high rental costs (€1,200-2,500 per month), even a basic loan becomes cost-effective.

Calculation:

• an object worth 400,000 euros;

• down payment – 80,000 (20 per cent);

• the loan term is 25 years;

• The interest rate is 3.3%;

• payment – ~1,800 euros per month (including insurance);

• average rent of a similar property – 2,100 euros.

The difference is clear: the purchase saves up to 300 euros monthly and gives capital gains in the future.

Risks and insurance: mandatory conditions

Each borrower takes out comprehensive insurance for the property. In case of natural disasters, fire or theft, the bank receives compensation and the owner receives protection of the investment.

Types of compulsory insurance:

• property (walls, roof, structure);

• civil liability (damage to third parties);

• life insurance (at the bank’s request);

• Loss of income insurance (optional, but beneficial).

Without insurance, the bank will not activate the contract. On average, the total cost of the policy is 600-1,200 euros per year.

Conclusion

A mortgage in the Netherlands for foreigners offers access to a stable market with transparent regulation and clear logic. Low interest rates, flexible repayment schemes and respect for non-residents make the process of buying a home a sound investment. The main thing is to clearly formulate the goal, calculate the possible load and approach the choice not as a purchase, but as a project with a long-term result.

The Netherlands consistently attracts the attention of emigrants with its high quality of social services and developed infrastructure. An important factor for moving to the country is the financial costs to be borne on a monthly basis. Let’s take a detailed look at how much a month of living in the Netherlands costs in 2025, highlighting key aspects of the budget and daily expenses.

Cost of living in the Netherlands: basic monthly costs

How much a month of living in the Netherlands costs depends on the city you choose. Amsterdam, Rotterdam and Utrecht are three popular destinations for foreigners, but prices vary greatly. Amsterdam is characterised by the highest cost of living. A family of three here has to spend from €4000 to €5000 per month, including rent, utilities, transport and groceries. Rotterdam residents spend a smaller amount – from €3500 to €4000, and Utrecht occupies the middle ground with costs in the region of €3700-4300.

Housing and utilities

The cost of living in the Netherlands is significantly increased by renting or buying a property. The average price for a flat of about 80 square metres in Amsterdam reaches €2000-2500. In Utrecht, similar accommodation costs €1600-2000, and in Rotterdam you can find an option for €1300-1800. Buying a property is not a budget option either, but the investment pays off with stability and price growth. The average cost of a square metre in Amsterdam is €7000-9000, in Rotterdam and Utrecht – from €5000 to €7000. Utilities, including heating, electricity, water and internet, add another €200-300 to the budget each month.

Expenses for food and meals

On average, the cost of food for one person is around €300-400 per month. A family of three spends up to €1000-1200. Albert Heijn, Jumbo, Lidl supermarkets remain the most popular shops where shoppers save up to 20% of their budget compared to smaller outlets. Average price for groceries:

• bread— €1,50–3,00;
• milk (1 litre) – €1-1.50;
• eggs (10 pcs.) – €2,50-3,50;
• cheese (1kg) – €8-15;
• meat (1 kg) – €10-20.

Lunch in a café costs around €10-15 per person, dinner in a mid-range restaurant from €25-30.

Transport costs in the Netherlands: how to organise travel around the country

Transport costs in the Netherlands have a significant impact on the overall budget of how much it costs to live in the country for a month. This is a country with a developed infrastructure, where travelling is an integral part of everyday life. Bicycles and public transport serve as the main means, while motorised traffic also has its own peculiarities and costs.

Bicycles are hugely popular in the Netherlands, and for good reason. Cycling in the country is so developed that it is often the main way of travelling for city dwellers. The cost of bicycle transport starts from €200 and up, depending on the model and quality. For example, standard bicycles cost around €300-500, while high-quality sport or electric variations cost from €800 to €1500 or more.

As for public transport, the Netherlands offers an extensive system with buses, trams and subways connecting all major cities and towns. Fares vary by region, but on average a monthly pass for all modes costs between €90 and €100. In Amsterdam, for example, a card worth around €100 per month will be required to travel. A single journey costs €3 on average, and for longer journeys you will need to factor in additional costs.

Buying your own car is already more expensive. A litre of petrol costs on average €2-2.20, which is considerably higher than in most other European countries. Monthly car insurance ranges from €50 to €150 depending on the region, type of car and driving experience. Parking also adds a sum to the costs. In major cities such as Amsterdam and Rotterdam, renting a parking space can cost between €200 and €300 per month, and in some cases, such as in the central parts of the regions, the service can cost €400 or more.

Health insurance and quality of health care

Health insurance in the country is compulsory for all citizens and residents. Lack of a certificate is punishable by fines that can reach up to €450 per year. The average cost of health insurance for one person is €120-150 per month. The figure may vary depending on the insurer, the chosen package of services and age. Medicine in the Netherlands is considered to be one of the best in the world, and insurance covers all basic services, including medical appointments, hospitalisation, in-patient treatment and emergency care.

The medical system in the Netherlands is represented by both public and private clinics. The former provide a wide range of services, including high-quality treatment, but often with longer waiting times. Private clinics provide faster access to specialists, but care is more expensive and often requires additional insurance coverage.

Immigration to the Netherlands: costs of documentation and residence permits

When it comes to the question of how much a month of living in the Netherlands costs, obtaining a residence permit (HND) or permanent residence permit (PRP) is an integral part of the move that affects the costs. There are several programmes available in the stanza, each with its own requirements and fees. One of the most common ways to obtain a residence permit is to buy a property or run a business.

There are a number of costs associated with obtaining a residence permit in the Netherlands. The initial processing of documents costs on average from €200 to €300. The amount includes fees and possible additional services. If you decide to extend your residence permit, you will need to pay from €100 to €200 every 1-2 years, depending on the situation. In case of obtaining a residence permit or citizenship, the costs increase significantly. Registration of permanent residence costs approximately €200, and preparation of documents for citizenship can cost €900 or more.

For foreigners wishing to invest in property or set up a business in the Netherlands, the procedure takes several months. It is important to take into account not only the processing fees, but also the possible costs of lawyers and consultants who can help simplify the process and avoid mistakes.

Neighbourhoods and their impact on the cost of living: How much does it cost to live in the Netherlands for a month?

Expense amounts vary by location. Amsterdam, for example, is divided into neighbourhoods with different pricing policies:

1. Centrum is the most expensive option with accommodation starting from €2500 per month.
2. Zuid is an upmarket neighbourhood popular with expats, with prices from €2000.
3. West – lots of cafes, shops, flats from €1700.
4. Noord is an affordable location with accommodation starting from €1500 per month.

Rotterdam and Utrecht have similar tendencies: the central areas are always more expensive than the outskirts.

Bottom line

How much does it cost to live in the Netherlands for a month? The figure is above the European average, but in return for these costs, residents receive exceptional social services, security and career prospects. The cities of Amsterdam, Rotterdam and Utrecht offer the conditions for successful adaptation and comfortable living, making the Netherlands an attractive country for immigration in 2025.