Thank you so much for this comment, you've made me so happy! I'm very glad that you found it helpful. If there are any other topics you'd like me to cover, please let me know!
3:36 for expats most banks will not finance more than 90% of the marketvalue of the property, though there are a few banks that will go up to 100% for expats. My experience as a realtor specialized in working with expats (region Utrecht) is that finding and actually buying a property is a much more time consuming process than actually applying for a mortgage. 13:57 I have never run into a notary that will sign a deed without an interpreter present if any of the parties isn't sufficient in the Dutch language. That being said, the part of the interpreter's fee ragarding the mortgage deed is also tax deductable. A correction for the NHG mortgage guarantee is that they actually guarantee that the bank will get their money back, rather than a guarantee to the home owner. They might provide a job coach to help you find another job to make sure you can keep the home and pay for the mortgage; or maybe offer a haircut or if the home needs to be sold pick up the decifit between mortgage and sale price.
Thanks so much for your input! For the two homes we purchased in NL in 2011 and 2018 (and sold one, we don't own two!) the banks offered 100% financing; but I'm thankful for your experience and advice on this - it's really good to know what to expect! Also, and maybe its because we live in The Hague region, we have not needed an interpreter for ANY of our house buying/selling activities at the notary. So maybe it depends on the area you're based in? The NHG helps with those things? That's INCREDIBLE! Can we add that to the list of why I ❤ NL? How amazing it is to have an entity helping people stay in their homes? I'm stunned and so impressed to hear this. Thank you for sharing!!
@@JoviesHome the idea for NHG is 'how can we limit our loss?'. If helping people find a new job is cheaper than covering the losses, then it's an easy choise.
a few remarks : houses cost more than their price. (tax, real estate agent, notaris (specialised kind of lawyer to deliver the house) ) don't use your own bank but shop at a Hypotheek store. (I myself have a mortgage from a cheap belgian bank) If it goes wrong and you cannot pay for your mortgage : there is a catch : in the US it seems you can just leave your house and your mortgage debt is gone. Not in the Netherlands: the bank will sell your house and the rest of the debt wil be in on your shoulders if the house was not enough to pay off the house. That's why the NHG (National mortgage garantee) is so popoular with banks and house buyers . Because that garantee saves you. :-) Jovie mentioned that one as it gives a interest deduction, as it lowers the risk for the bank. Buying a house in a foreign country is even harder than in your own. But all real estate agents and mortgage advisors in NL will speak english. Not fluently but at least at good level. I mentioned "Bank" as the money lender, that could also be an insurance company or a pension fund.
You can’t just leave the debt behind in the US either, in principle - there are people who *do* it (particularly during the crisis), but they do have the remainder debt to pay. It seems, however, that a lot of lenders don’t really seem to be able to find you to collect that money.
Two things I like about the Dutch Mortgage which are not (exectly) found in the US Mortgage. The Interest rate is based on a % of the value of the Property and if you reach a lower threshold (i.e 90%, 80%, 65%), the Interest rate will drop. There are 2 ways this can happen, you pay extra and get the Loan Down, OR the Value of the House goes up and the ratio drops. Using a combination of both, after getting a new appraisal (taxatie) we got our bank to reduce our rate twice. (It started out at 2.38% and is now 1.88%). If you pay extra (on many mortgages) the bank will refactor the Payment. (In the US the time period would drop, but in the Netherlands the date stays the same, but you instead pay less each month). Simply pay extra means your mandatory payment will decrease, if you then add back that amount next month, your Mandatory payment will continue to drop.
Hi Jovie, Thank you for the video, i have watched a couple of your video, its really really good, you are very direct and honest, and great at explaining things on youtube I have a couple of questions I am British and my partner is american, and he will be doing the self-empolyed visa We have a intention to buy a place in there netherland , i have some money from the Uk, do you know if i move the money from the uk as gift or self transfer or as gift from my parents i need to pay tax in the Netherland if from aboard? if we have intention to get a mortgage as self-empolyed, how long do we need to wait to settle in the netherland before we can apply for mortagage , with the mortagage how long the pay we need to show? with the 30% ruling is this something we should do before we locate to netherland? or all the tax things can be figure out after we are in netherland, since we are still applying our visa Thank you so much
The mortgage garantie doesn't pay your mortgage when you loose your job!. They will pay the loss if you have to sell your house wth a loss when you loose your job or something. And they will try to get the money back from you!
There is a catch to the 5*yearsalary.. debts. A phone you get free with the 'abonnement', that is a loan. Studydebts. A creditcard. A car you have financed. A credit on your bank account. You are spending a part of your salary to pay interest and to pay off the loan.. that means you get a lower mortgage. Debts are considered a Risk. IT is Both protection for the 'bank' and the home-owner. A downpayment is made.. 10% of the agreed sum is sent to the notaris/bank. This money is part of the complete mortgage sum. But, if you as a buyer decide to cancel the sale after the legal period you get, the downpayment is gone.
Another note: if you have student debts, the amount of the loan they offer you is lower. If you have a student debt of 5.000 euro, your total amount for the loan goes down by 10.000 (so double of the amount of your debt). Their reasoning is: if you are already paying one debt each month, you have less to spend on a mortgage. Even if there is only one payment of 100 Euro left of your debt, they still calculate from the starting point. So it is better to pay off the remainder (if you can) before applying for a mortgage.
Hi Jovie, just a little addition. I wasn't sure so I checked. Since 1-1-2018 you can only finance 100% of the house itself and NOT the fees (kosten koper) anymore. So for those you either need your own money of finance it separatly with a personal loan or whatever. But it cannot be included in the mortgage itself anymore.
Hi Jovie, great video and very informative. Does the 100% mortgage apply to the expats living in the Netherlands as well? I thought there is a mandatory downpayment of 25%. Thanks
Thanks Diana! Neither my husband nor I are Dutch so we are a 100% expat couple. For both of our mortgages, we were eligible for 100% financing. So unless something has changed for 2019, I am not aware of this rule.
Thank you, @@JoviesHome I've just discovered your channel and looking through all your videos from mortgages to medical care :) it is so, so useful! we are planning to move with my husband to the Netherlands in 2 months, and your channel is the best source of information I found online.
Diana, thank you, wow, I am humbled by your comment. I would love to make more of these types of videos. As an incoming expat, what other topics would interest you? Maybe I can make a video about it!?
Hi @@JoviesHome , personally I would definitely like to know about finding a job in the Netherlands (applying directly on websites or through recruitment agencies, recommended resources, salary deductions applicable etc.) and the cost of living there.
Hi Jovie! Thank you for your effort! Your content is great a really useful. But, listen, have you tried getting into condominiums or have you at least heard something about the situation around them in the Netherlands?
Somehow Americans really spread knowledge, good about them. I see so many americans review home paints, even names of shade, try searching a dutch review. Can't even find paint brands on normal internet easily.
Yes you can use the Dutch word for paint (verf) and use the Dutch word for brands (merken) you will find plenty. www.google.com/search?q=verf+merken&oq=verf+merken&aqs=chrome..69i57j0l5.4867j0j7&sourceid=chrome&ie=UTF-8
The appraisal is linked to the amount your bank will loan to you. For instance (especially during today's hot market) a house is on the market for 350,000. You want that house, so you offer 360,000 and that offer is accepted. Should the appraisal state the value is 355,000, this means that the 5,000 gap needs to be paid by yourself, it will not be included in your mortgage.
I bought my house 145,000 few years ago. 2 under one roof, 2 parking spots on my own spot. 4 bedrooms(can also build the loft into 5th bedroom). I could only get 150.000 euro mortgage with an average Dutch salary. I really wonder how other people can even get a mortgage of 200.000 or 300.000 euro !!! How? I now already have to pay 540 euro a month. How can you save money? I really do not have a super bad salary at all!
How did you manage to buy such a big house for 145K? Sounds like YOU are an excellent shopper and very lucky :) We were able to get a higher mortgage because my husband and I were both working full time so they had two salaries to base the mortgage on, not one.
@@JoviesHome location location location. I can't find anything below 250 000 here In Amsterdam ,but in the south I can buy a 4 bedroom apartment for 170 000 easily
@@JoviesHome Ok i could never live with the fact that 2 people are bound to one mortgage. Maybe it's because i have seen people devorce and they both got in financial problems when the house prices went down. Each of them had a huge debt. Yes, i bought when the market was crashed. The house i bought was for sale like 3 years, went down like 40.000 euro from original asking price. (Also because the woman and men where devorced) Ugh.. i don't have a girlfriend yet. But i really am afraid of devorcing and stuff like that. Also my house isn't in the "Randstad" so otherwise i could only afford a studio.
i have a property in holland. Does holland have similar US law 1031 where they can defer the tax until they sell their last property? I have an EU passport.
Hi Jovie. Many thanks for the video, very useful information. I'm moving to the Hague next month on a permanent contract and looking to buy a property, how long you think I should wait before the bank accept to give me a mortgage? is the salary reference enough or I should wait 6 month or 1 year?
A statement from your works HR department confirming you have a permanent contract is enough. Sometimes they want a 3 month salary slip too. However, more than the salary slips... The letter from the HR department is important
I would like to buy an house in Almere, Hilversum or nearby. Could you please confirm if it's mandatory in NL to renew the foundations of the houses every 45 years?
I'm really proud of women jovie. I'm very sure my kids would be proud of me too.. I'm just 19years old and I'm already making 5,000 passively every month with my little investment. I know its a little amount but its a very big one for me at 19.
I work with an Investment adviser. Kathleen Anne Grace, she trades cryptocurrency more especially bitcoin for her clients. Making them profits and having commission for that.
You have great content! I do real state investing in USA. I wonder how this process works for business and the rules to rent the properties you are buying.
Anybody knows of a good broker thought for buying a house? There are so many but we are looking for someone that somebody used and had a good experience with.
Yes, income taxes are higher here than in the States, ranging from 36,55% to 51,95% (but in a bracket system). Despite (or as result) the higher income taxes, quality of life is much better for everyone and you can see how tax money is spent back on the citizens and country. For the first time in my life, I take pride in paying taxes because I can see the “good” in it.
@@JoviesHome that's awesome. So it's not like in the states where they take their taxes once a year? It's broken down? Regardless, I'm sure it's worth it!
@@JoviesHome I'm looking into renting apartments in Utrecht however I do have 2 pups & IDK dutch very well yet so it's hard to look online at flats that allows pups. Could you make a video on housing in Utrecht & the cost of living there compared to Amsterdam? You're such a life saver! I'm very grateful for your content.
Hi! I’m so happy you’re finding my videos helpful. Here’s a video about renting in NL. We talk about The Hague but it’s the same in Utrecht. Watch it here: th-cam.com/video/6y8QaPajZxA/w-d-xo.html I also have a video about (average) cost of living in NL! Watch it here: th-cam.com/video/Rm7HaJ7sxYQ/w-d-xo.html Enjoy!!
Actually, you can not finance your legal fees anymore. You will have to pay this out of pocket, which is why you still need quite a bit of money before you can buy a house. Your loan will be 100% the purchase of the house, not a penny more for legal fees or cosmetic remodeling. You might be able to get a separate loan for this amount though
Not completely true, if you want to refurbish the house, then you have to get a valuation report with market values before and after the refurbishment. Almost every bank or lender will use the market value after refurbishment. So yes, 100% is max. but you can still finance the refurbishment.
Yer but you don't mention the fact there's not enough houses... And in reality it's bad on the work and work environments work contracts are 6 months and the system don't work properly for outlanders... I recommend legal rites lawyer because the Dutch will try all attempts to brake them.. Your own doctor is recommended and security is important as theives and stuff.... Be careful of the locals and system manipulation in small areas with your personal information.... I got the hell out 😆👍
I just checked with the mortgage calculator and I can afford a park bench in Vondel park(amsterdam) ....Im having a inspection done next week!
Your videos are also useful for native Dutch young people
Thank you so much for this comment, you've made me so happy! I'm very glad that you found it helpful. If there are any other topics you'd like me to cover, please let me know!
The most informative and simple video about real estate in NL I've ever seen. Thank you!
So happy I found your channel!
You are brilliant!
Very helpful!
Useful information
Hi Jovie, thank you for publishing this video. It's very clarifying for me and well explained. Good job!
Thank you Cleyton! I'm so glad you found it helpful. Please let me know if there are any other topics you'd like me to cover in a future video!
Very useful info
Thank you so much! This video was super helpful. My husband and I are hoping to move from the States to the Netherlands in the next few years.
Things are getting strict for foreigners. Keep up to date with the news
I love your videos.. please make a video explaining about the wealth tax in the Netherlands... thanks !
Amazing woman, great video and presentation skills!! Thank you so much! This was super helpful😊
Yes also the goverment pay a part off fhe bill .Tax .Thank you .Ned..The tax here is much lower than you think..
You are awesome. Thank you for this video!! 👏👏
Thank you for a very educational video!! Exactly what I was looking for!! I just subscribed after watching this video.
Thanks Jovie. Your Videos are very helpful. What about having a Job outside NL? Is it still possible to get a mortgage?
3:36 for expats most banks will not finance more than 90% of the marketvalue of the property, though there are a few banks that will go up to 100% for expats.
My experience as a realtor specialized in working with expats (region Utrecht) is that finding and actually buying a property is a much more time consuming process than actually applying for a mortgage.
13:57 I have never run into a notary that will sign a deed without an interpreter present if any of the parties isn't sufficient in the Dutch language. That being said, the part of the interpreter's fee ragarding the mortgage deed is also tax deductable.
A correction for the NHG mortgage guarantee is that they actually guarantee that the bank will get their money back, rather than a guarantee to the home owner. They might provide a job coach to help you find another job to make sure you can keep the home and pay for the mortgage; or maybe offer a haircut or if the home needs to be sold pick up the decifit between mortgage and sale price.
Thanks so much for your input! For the two homes we purchased in NL in 2011 and 2018 (and sold one, we don't own two!) the banks offered 100% financing; but I'm thankful for your experience and advice on this - it's really good to know what to expect!
Also, and maybe its because we live in The Hague region, we have not needed an interpreter for ANY of our house buying/selling activities at the notary. So maybe it depends on the area you're based in?
The NHG helps with those things? That's INCREDIBLE! Can we add that to the list of why I ❤ NL? How amazing it is to have an entity helping people stay in their homes? I'm stunned and so impressed to hear this. Thank you for sharing!!
@@JoviesHome the idea for NHG is 'how can we limit our loss?'. If helping people find a new job is cheaper than covering the losses, then it's an easy choise.
very in detail explained
a few remarks : houses cost more than their price. (tax, real estate agent, notaris (specialised kind of lawyer to deliver the house) )
don't use your own bank but shop at a Hypotheek store. (I myself have a mortgage from a cheap belgian bank)
If it goes wrong and you cannot pay for your mortgage : there is a catch : in the US it seems you can just leave your house and your mortgage debt is gone. Not in the Netherlands: the bank will sell your house and the rest of the debt wil be in on your shoulders if the house was not enough to pay off the house. That's why the NHG (National mortgage garantee) is so popoular with banks and house buyers . Because that garantee saves you. :-) Jovie mentioned that one as it gives a interest deduction, as it lowers the risk for the bank.
Buying a house in a foreign country is even harder than in your own. But all real estate agents and mortgage advisors in NL will speak english. Not fluently but at least at good level.
I mentioned "Bank" as the money lender, that could also be an insurance company or a pension fund.
Thank you so much for your contribution!
You can’t just leave the debt behind in the US either, in principle - there are people who *do* it (particularly during the crisis), but they do have the remainder debt to pay. It seems, however, that a lot of lenders don’t really seem to be able to find you to collect that money.
Two things I like about the Dutch Mortgage which are not (exectly) found in the US Mortgage.
The Interest rate is based on a % of the value of the Property and if you reach a lower threshold (i.e 90%, 80%, 65%), the Interest rate will drop. There are 2 ways this can happen, you pay extra and get the Loan Down, OR the Value of the House goes up and the ratio drops. Using a combination of both, after getting a new appraisal (taxatie) we got our bank to reduce our rate twice. (It started out at 2.38% and is now 1.88%).
If you pay extra (on many mortgages) the bank will refactor the Payment. (In the US the time period would drop, but in the Netherlands the date stays the same, but you instead pay less each month). Simply pay extra means your mandatory payment will decrease, if you then add back that amount next month, your Mandatory payment will continue to drop.
Would the bank charge for the extra payment that I make?
Hi Jovie, Thank you for the video, i have watched a couple of your video, its really really good, you are very direct and honest, and great at explaining things on youtube
I have a couple of questions
I am British and my partner is american, and he will be doing the self-empolyed visa
We have a intention to buy a place in there netherland , i have some money from the Uk, do you know if i move the money from the uk as gift or self transfer or as gift from my parents i need to pay tax in the Netherland if from aboard?
if we have intention to get a mortgage as self-empolyed, how long do we need to wait to settle in the netherland before we can apply for mortagage , with the mortagage how long the pay we need to show?
with the 30% ruling is this something we should do before we locate to netherland? or all the tax things can be figure out after we are in netherland, since we are still applying our visa
Thank you so much
The mortgage garantie doesn't pay your mortgage when you loose your job!. They will pay the loss if you have to sell your house wth a loss when you loose your job or something. And they will try to get the money back from you!
There is a catch to the 5*yearsalary.. debts. A phone you get free with the 'abonnement', that is a loan. Studydebts. A creditcard. A car you have financed. A credit on your bank account. You are spending a part of your salary to pay interest and to pay off the loan.. that means you get a lower mortgage. Debts are considered a Risk. IT is Both protection for the 'bank' and the home-owner.
A downpayment is made.. 10% of the agreed sum is sent to the notaris/bank. This money is part of the complete mortgage sum. But, if you as a buyer decide to cancel the sale after the legal period you get, the downpayment is gone.
thank you, this is helpful. :-)
I now have bought anice home in Holland, 👍for your video!
Wow so great to hear! Congratulations on your new home!!
😀👍
Hi Jovie, thank you for the info, do you have a good tax guy?
Another note: if you have student debts, the amount of the loan they offer you is lower. If you have a student debt of 5.000 euro, your total amount for the loan goes down by 10.000 (so double of the amount of your debt). Their reasoning is: if you are already paying one debt each month, you have less to spend on a mortgage. Even if there is only one payment of 100 Euro left of your debt, they still calculate from the starting point. So it is better to pay off the remainder (if you can) before applying for a mortgage.
Great tip! Thank you for sharing!
Hi Jovie, just a little addition. I wasn't sure so I checked. Since 1-1-2018 you can only finance 100% of the house itself and NOT the fees (kosten koper) anymore. So for those you either need your own money of finance it separatly with a personal loan or whatever. But it cannot be included in the mortgage itself anymore.
I’m currently in the US, I want to relocate to the Netherlands and work in Real Estate, curious if you have any info on the process?
Hi Jovie, great video and very informative. Does the 100% mortgage apply to the expats living in the Netherlands as well? I thought there is a mandatory downpayment of 25%. Thanks
Thanks Diana! Neither my husband nor I are Dutch so we are a 100% expat couple. For both of our mortgages, we were eligible for 100% financing. So unless something has changed for 2019, I am not aware of this rule.
Thank you, @@JoviesHome I've just discovered your channel and looking through all your videos from mortgages to medical care :) it is so, so useful! we are planning to move with my husband to the Netherlands in 2 months, and your channel is the best source of information I found online.
Diana, thank you, wow, I am humbled by your comment. I would love to make more of these types of videos. As an incoming expat, what other topics would interest you? Maybe I can make a video about it!?
Hi @@JoviesHome , personally I would definitely like to know about finding a job in the Netherlands (applying directly on websites or through recruitment agencies, recommended resources, salary deductions applicable etc.) and the cost of living there.
I saw a vdeo flying by. :-) @@dianat686
Hi Jovie!
Thank you for your effort! Your content is great a really useful.
But, listen, have you tried getting into condominiums or have you at least heard something about the situation around them in the Netherlands?
Somehow Americans really spread knowledge, good about them. I see so many americans review home paints, even names of shade, try searching a dutch review. Can't even find paint brands on normal internet easily.
Yes you can use the Dutch word for paint (verf) and use the Dutch word for brands (merken) you will find plenty. www.google.com/search?q=verf+merken&oq=verf+merken&aqs=chrome..69i57j0l5.4867j0j7&sourceid=chrome&ie=UTF-8
is there a land transfer tax? I heard it was 6%, but would this be paid by the buyer or seller or both?
The appraisal is linked to the amount your bank will loan to you. For instance (especially during today's hot market) a house is on the market for 350,000. You want that house, so you offer 360,000 and that offer is accepted. Should the appraisal state the value is 355,000, this means that the 5,000 gap needs to be paid by yourself, it will not be included in your mortgage.
I bought my house 145,000 few years ago. 2 under one roof, 2 parking spots on my own spot. 4 bedrooms(can also build the loft into 5th bedroom). I could only get 150.000 euro mortgage with an average Dutch salary. I really wonder how other people can even get a mortgage of 200.000 or 300.000 euro !!! How? I now already have to pay 540 euro a month. How can you save money? I really do not have a super bad salary at all!
How did you manage to buy such a big house for 145K? Sounds like YOU are an excellent shopper and very lucky :) We were able to get a higher mortgage because my husband and I were both working full time so they had two salaries to base the mortgage on, not one.
@@JoviesHome location location location. I can't find anything below 250 000 here In Amsterdam ,but in the south I can buy a 4 bedroom apartment for 170 000 easily
@@JoviesHome Ok i could never live with the fact that 2 people are bound to one mortgage. Maybe it's because i have seen people devorce and they both got in financial problems when the house prices went down. Each of them had a huge debt. Yes, i bought when the market was crashed. The house i bought was for sale like 3 years, went down like 40.000 euro from original asking price. (Also because the woman and men where devorced) Ugh.. i don't have a girlfriend yet. But i really am afraid of devorcing and stuff like that. Also my house isn't in the "Randstad" so otherwise i could only afford a studio.
@@JoviesHome I think that it depends where you buy the house, in Amsterdam is very expensive but in Groningen, for example, can be much cheaper.
i have a property in holland. Does holland have similar US law 1031 where they can defer the tax until they sell their last property? I have an EU passport.
My Dutch boyfriend said you can just get or buy a house there if you are married. 🤗
Hi Jovie. Many thanks for the video, very useful information. I'm moving to the Hague next month on a permanent contract and looking to buy a property, how long you think I should wait before the bank accept to give me a mortgage? is the salary reference enough or I should wait 6 month or 1 year?
A statement from your works HR department confirming you have a permanent contract is enough. Sometimes they want a 3 month salary slip too. However, more than the salary slips... The letter from the HR department is important
Hey. What about how has stable job overseas? Can he / she get brove to get mortgage? Thanks
5 times youre salary, youre annual salary.
Thanks for the video, very informative. I am just wondering, did you receive 100% mortgage on an American passport? As a non European?
How does it work if you are self-employed (freelancer)?
Dunja Zabunovic zou ik ook willen weten
What are the tips for selling and buying the house at the same time?
How about... planning a biking vacation to the Netherlands... :)
I would like to buy an house in Almere, Hilversum or nearby. Could you please confirm if it's mandatory in NL to renew the foundations of the houses every 45 years?
Hi Jovie. How much are property taxes?
I'm really proud of women jovie. I'm very sure my kids would be proud of me too.. I'm just 19years old and I'm already making 5,000 passively every month with my little investment. I know its a little amount but its a very big one for me at 19.
Hey sweet. I'm 19 too I work seven days a week and can't make such amount. Please teach how I could invest wisely.
Your parents would be very proud of you. I never had such when I was your age please can you let us know what you invested in if you don't mind.
I'm really ashamed of myself now.. Lmao😂 I struggle to make 2k every month.
I work with an Investment adviser. Kathleen Anne Grace, she trades cryptocurrency more especially bitcoin for her clients. Making them profits and having commission for that.
that is what she does for me too.
You have great content! I do real state investing in USA. I wonder how this process works for business and the rules to rent the properties you are buying.
Anybody knows of a good broker thought for buying a house? There are so many but we are looking for someone that somebody used and had a good experience with.
Do they do income taxes there? Like they do here in the US?
Yes, income taxes are higher here than in the States, ranging from 36,55% to 51,95% (but in a bracket system). Despite (or as result) the higher income taxes, quality of life is much better for everyone and you can see how tax money is spent back on the citizens and country. For the first time in my life, I take pride in paying taxes because I can see the “good” in it.
@@JoviesHome that's awesome. So it's not like in the states where they take their taxes once a year? It's broken down? Regardless, I'm sure it's worth it!
@@JoviesHome I'm looking into renting apartments in Utrecht however I do have 2 pups & IDK dutch very well yet so it's hard to look online at flats that allows pups. Could you make a video on housing in Utrecht & the cost of living there compared to Amsterdam? You're such a life saver! I'm very grateful for your content.
Hi! I’m so happy you’re finding my videos helpful. Here’s a video about renting in NL. We talk about The Hague but it’s the same in Utrecht. Watch it here:
th-cam.com/video/6y8QaPajZxA/w-d-xo.html
I also have a video about (average) cost of living in NL! Watch it here:
th-cam.com/video/Rm7HaJ7sxYQ/w-d-xo.html
Enjoy!!
Self employed??
Actually, you can not finance your legal fees anymore. You will have to pay this out of pocket, which is why you still need quite a bit of money before you can buy a house. Your loan will be 100% the purchase of the house, not a penny more for legal fees or cosmetic remodeling. You might be able to get a separate loan for this amount though
You can get a legal assistance insurance (rechtsbijstand verzekeringen)
Not completely true, if you want to refurbish the house, then you have to get a valuation report with market values before and after the refurbishment. Almost every bank or lender will use the market value after refurbishment. So yes, 100% is max. but you can still finance the refurbishment.
Plz how can u help me to come an in saudi but from kenya
Yer but you don't mention the fact there's not enough houses... And in reality it's bad on the work and work environments work contracts are 6 months and the system don't work properly for outlanders... I recommend legal rites lawyer because the Dutch will try all attempts to brake them.. Your own doctor is recommended and security is important as theives and stuff.... Be careful of the locals and system manipulation in small areas with your personal information.... I got the hell out 😆👍
I really want to invest my money in Netherlands .. would you mind to contact me for this ? ☘️
I'm not qualified for this- but this idea has been added to a list of potential future video ideas, so thank you for sharing it!
Make your story’s a bit shorter please.