How to buy a flat in the Netherlands: a step-by-step guide for Russians

The Netherlands, known for their openness and high standard of living, attract many immigrants from around the world. For many of them, the ultimate goal is to obtain Dutch citizenship through naturalization, which opens up wide opportunities and full equality. However, the process has its nuances and strict requirements. In this article, we will discuss this topic in detail.

Naturalization Citizenship: Conditions in the Netherlands

Every foreigner must meet the following conditions to obtain citizenship:

1. A minimum of five years of legal residence with a residence permit or permanent residence permit. Evidence includes registration with the municipality and a permanent address (domicile).
2. Knowledge of the Dutch language at least at level A2. Confirmation is through the state exam “Inburgeringsexamen.”
3. Passing an integration test, including knowledge of history, traditions, and basic societal life.
4. No criminal record in the last four years.
5. Financial stability – having a legal income or employment, confirmed by employment documents.
6. Mandatory oath of allegiance and renunciation of previous citizenship (with exceptions).

Violation of at least one condition results in automatic rejection. However, residency of less than five years is permissible if the person was born in the country, married a citizen, or obtained refugee status.

How to Obtain Citizenship through Naturalization

The mechanism for obtaining citizenship is strictly structured. The IND (Immigration and Naturalization Service) in the Netherlands registers and processes each application within 12 months. Document collection starts at the municipality – it is where the initial application is submitted. The applicant needs:

• passport;
• valid residence permit;
• language certificate and exam;
• income statements;
• proof of residence;
• documents showing no criminal record.

The final step is submitting the application to the IND and awaiting a decision. A positive response is accompanied by a ceremony where the applicant swears allegiance to the state. This marks the end of the path to naturalization in the Netherlands, but a new legal reality begins.

Who Chooses This Path More Often

According to CBS data, over 30,000 people undergo the naturalization procedure annually. Among them are students, IT specialists, entrepreneurs, and participants in integration programs. Turkish, Syrian, and Iraqi citizens make up about 40% of the total number of new citizens.

Qualified professionals from India, the USA, and Russia show particular dynamics – these categories most often obtain citizenship in the Netherlands through employment and long-term residence.

Naturalization Checklist in the Netherlands

A step-by-step algorithm helps structure the process and eliminate errors at each stage. Compliance with all points significantly increases the chances of successful naturalization in the Netherlands:

1. Assess residency status – having a legal residence permit or permanent residence permit.
2. Check the length of residency – a minimum of 5 years of residence.
3. Prepare documents: passport, rental contract or mortgage (proof of domicile), income and employment statements, no criminal record.
4. Pass language and integration exams.
5. Submit the application to the municipality.
6. Await IND decision (up to 1 year).
7. Attend the oath ceremony.
8. Receive the passport and acquire civil rights.

The checklist is universal for any foreigner, regardless of their original citizenship and immigration goals.

Exceptions to the Rules

Naturalization norms are not universal – certain categories of applicants may be eligible for a simplified procedure. The law provides for exceptions that take into account family and humanitarian circumstances.

Dutch legislation allows for simplified naturalization in the following cases:

1. Individuals married to a citizen of the country can apply after 3 years of cohabitation.
2. Children of migrants automatically acquire citizenship through naturalization if one of the parents went through the procedure before they reached adulthood.
3. Refugees and stateless persons benefit from preferential conditions, including a reduced residency period of 3 years.

Such preferences reduce barriers to integration for the most vulnerable groups. However, each case requires documentary evidence and compliance with basic conditions.

Challenges in Obtaining Citizenship through Naturalization

Even when meeting the basic naturalization requirements, the outcome is not guaranteed. In practice, most rejections are due not to intentions but to details overlooked during the preparation stages.

Failures occur more often for formal reasons:

1. Issues with income verification (gray wages, unofficial contracts).
2. Unsuccessful exam attempts (average pass rate is around 65%).
3. Non-compliance with residency periods (gaps, extended stays abroad).
4. Suspicions of sham marriages or data inaccuracies.

Legal errors or document negligence are a direct path to rejection without the possibility of appeal. Therefore, obtaining citizenship as a foreigner requires not only willingness but also meticulous preparation.

Integration as a Criterion of Loyalty

Integration is not a test but a way of life. The Dutch system values participation in public life, volunteering, education, and honest tax payment. In 2021, the Ministry of Justice noted an increase in positive decisions on applications where the candidate demonstrated activity: working on local projects, participating in cultural initiatives, social involvement.

The “Kennisland” program advises newcomers not to limit themselves to basic adaptation but to engage in community life. This approach builds a reputation that influences the naturalization outcome as much as documents do.

Cost of Becoming a Citizen

The financial aspect of the process requires as much attention as the legal one. Expenses include not only government fees but also mandatory additional costs for preparation.

The cost of the procedure directly depends on the applicant’s category:

• adult – €970;
• family application – €1242;
• child under 18 years – €143.

Additional costs may include translator services, certified language courses, exams, and notarization of documents. On average, the path to citizenship ranges from €1600 to €2500 for self-application and up to €5000 with the assistance of an immigration lawyer.

Why Choose the Netherlands

Reasons for seeking citizenship through naturalization go beyond social guarantees and freedom of movement within the EU. The country offers:

• one of the most stable labor markets in the European Union;
• flexible tax policies for expatriates (30% ruling);
• an efficient education system with international schools;
• safety, high trust in the police, and low corruption levels;
• a balance between personal freedom and legal discipline.

This combination of conditions creates an attractive environment for living and development. Therefore, citizenship through naturalization in the Netherlands is increasingly seen not just as a goal but as a strategic decision.

Investments as an Accelerator: Legal Way without a Queue

An alternative to obtaining citizenship through naturalization is investing in real estate. The program for major investors involves:

1. Investing from 1.25 million euros in an approved asset.
2. Obtaining a long-term visa and permanent residence permit for 5 years.
3. Reducing the period to citizenship – just three years with active integration and language proficiency.

The Netherlands may not be Malta or Vanuatu, but an investor with transparent funds and reputation gains a politically correct and fast way to become a full-fledged member of society.

Conclusion

Citizenship through naturalization in the Netherlands is confirmation that a foreigner has undergone the path of adaptation, mastered the language, demonstrated resilience, and loyalty to society. The law requires not only procedural compliance but also meaning – a willingness to share the country’s values. The fast track through real estate investments provides an advantage, but it also requires responsibility and legal precision.

The overpriced housing market in Amsterdam and Utrecht is forcing investors and future homeowners to seek alternatives. Throughout the country, there is a demand for affordable square meters outside major cities. For those looking to enter the market wisely, it is important to explore Dutch cities with inexpensive real estate – as this is where new demand is forming. This article provides an overview of the most promising directions with developing infrastructure and interesting housing prices.

Emmen: Balance Between Cost and Quality of Life

The region in the east of the Drenthe province consistently ranks among the most affordable in terms of price per square meter. The average housing cost ranges around 1900-2200 euros per square meter. The infrastructure is actively developing here, with plenty of green areas, schools, and medical facilities. Dutch cities with inexpensive real estate rarely offer such a level of social support at a low price.

Interest in Emmen is growing due to programs supporting young families and internal migrants. Due to its proximity to Germany, it is becoming a convenient logistics hub and a point for business activities.

Appingedam: Historical Charm and Accessibility

This small town in the Groningen province with a population of around 12,000 has become an attractive destination for those seeking coziness, safety, and advantageous prices. Homes here start from 150,000 euros, with the majority of properties having land plots.

Real estate prices in such regions in the Netherlands remain stable due to low population density and moderate demand, making them a reliable asset for long-term investments.

Venlo: Transport Hub with Growing Demand

Where to buy a house cheaply in the Netherlands? An excellent option is the region in the south of the country, near the German border. It boasts a well-developed transport system, access to highways, and an active logistics industry. House prices in the Netherlands start from 2000 euros per square meter here.

Investing in real estate in Venlo brings stable rental income: the city is attractive for students, seasonal workers, and families with children.

Terneuzen: Affordable Homes by the Water

Located in the Zeeland province, Terneuzen offers an excellent balance of price and quality. The average house price ranges from 170,000 to 200,000 euros. Thanks to its maritime climate, ecological cleanliness, and slow pace of life, Terneuzen is becoming popular among retirees and freelancers.

Dutch cities with inexpensive real estate rarely offer such a level of seclusion while having all the necessary infrastructure – shops, schools, and transportation.

Drimmelen: Secluded Alternative to Amsterdam

A lesser-known but promising area in Brabant, where the average property cost is below 1800 euros per square meter. Due to its proximity to major highways, people tired of the hustle and bustle of major cities are moving here.

Drimmelen is attractive for those looking to buy property in the Netherlands for personal use without overpaying for the location brand. Local construction projects are actively developing, and local authorities support young investors.

Zutphen: Old Architecture and Affordable Real Estate

The region in the Gelderland province combines historic architecture, European charm, and moderate housing prices in the Netherlands by city standards. The average price is 2000-2300 euros per square meter, significantly lower than in more popular neighboring areas.

The cheapest houses in the Netherlands can be found on the outskirts of Zutphen – townhouses, farms, and even historic buildings with authentic facades are sold here.

Coevorden: Nature and Stability

For those interested in Dutch cities with inexpensive real estate for a secluded life or remote work, Coevorden is a successful choice. Surrounded by natural parks, lakes, and green valleys, house prices are around 1600-1900 euros per square meter.

The market offers both apartments and detached houses. Since the region is not a tourist hotspot, prices are not inflated, and purchases are made calmly and without frenzy.

Dutinchem: Suburban Life with European Comfort

Located in the eastern part of the country, where it’s easy to find an apartment or house for under 1800 euros per square meter. Dutinchem has railway connections to other centers, schools, medical centers, and shopping complexes.

For investors looking for where to buy a house cheaper in the Netherlands, Dutinchem offers a practical option with the possibility of further renting to students, locals, or visiting professionals.

Harlingen: Maritime Atmosphere and Affordable Price

Located on the coast of the Wadden Sea, Harlingen offers homes starting from 190,000 euros. The maritime atmosphere, developed fishing infrastructure, and proximity to islands create a special ambiance.

Dutch cities with inexpensive real estate by the water are rare, especially with the option to buy a full house rather than just an apartment. Harlingen is an exception. The market here is moderately active, and demand is gradually increasing.

Almelo: Center of the Overijssel Province

Almelo is a region with developed industry, education, and cultural life. Property prices start from 1750 euros per square meter. New residential complexes are being built here, along with the emergence of shopping centers and transport interchanges.

Real estate investments in Almelo are suitable for those seeking moderate demand and stable price growth amid demographic stability. A wide range of properties is offered for rent, from economy to middle segments.

Main Reasons to Choose Dutch Cities with Inexpensive Real Estate

Investors, migrants, and local residents choose small neighborhoods for several reasons:

• Low entry threshold for investments;
• High quality of life outside major cities;
• Capital growth due to infrastructure projects;
• Less competition in the rental market;
• High liquidity in the long term;
• Less pressure from tourism.

Thus, Dutch cities with inexpensive real estate are shaping a new vector of migration and interest within the country.

How to Choose the Right Neighborhood for Buying Property?

The real estate market in Western Europe is heterogeneous. Amsterdam and Rotterdam have long lost their status as affordable destinations. Against the backdrop of overheated capital markets, more people are looking towards smaller regions. It is precisely Dutch cities with inexpensive real estate that offer an optimal combination of price, comfort, and prospects.

For an investor, migrant, or family with a limited budget, this is a chance to start a European life without excessive spending. The choice of region is a strategic step: it affects income, lifestyle, and future!