Particulier • Hypotheek • Calculate maximum mortgage
Calculate maximum mortgage - online mortgage calculation with clear explanation
Do you want to know? how much mortgage you can get about? Immediately maximum mortgage calculation krijgt u snel een indication van uw maximum borrowing capacity and (depending on the tool) also your Monthly charges. Handig als u op huizenjacht gaat, wilt weten wat haalbaar is, of uw Scenarios wilt vergelijken.
Finass Verzekert helps you to properly interpret the outcome: influence of income, employment, home value, interest and fixed interest period, and the effect of BKR, private lease and student debt. Zo voorkomt u verrassingen wanneer u daadwerkelijk een Mortgage aanvraagt.
Maximum mortgage in short
A mortgage calculation geeft u een realistische bandbreedte: wat u in theorie kunt lenen, en wat verstandig is binn and your maandbudget.
What do you usually see in the outcome?
- Maximum mortgage (indication based on your data).
- Purchase price range that fits this (in combination with your own money).
- Monthly charges (gross and sometimes net), depending on interest rate and term.
- Scenarios (fixed interest rate, term, mortgage type) to compare.
Tip: noteer bij de Calculation uw belangrijkste uitgangspunten (inkomen, schulden, rentevast-periode). Dat maakt vergelijken en advies veel sneller.
How does calculating the maximum mortgage work?
1) You fill in your details
- gross (joint) income and type of employment;
- current obligations (BKR, private lease, credits);
- any alimony or student debt (situation-dependent);
- preference for fixed interest period and term.
2) The tool calculates with lending standards
De berekening gebruikt leennormen en rekenregels die per jaar kunnen wijzigen. De rente en gekozen fixed interest period beïnvloeden de maximale hypotheek én uw maandlasten.
The outcome is an indication; your final mortgage depends on the lender and file.
3) You compare scenarios
- annuity versus linear mortgage;
- shorter/longer fixed interest rate (risk vs. security);
- effect of additional own money or repayment of debts;
- maximum borrowing versus comfortable borrowing.
What does your maximum mortgage depend on?
How much you can borrow is never one number. It's a combination of income, housing costs, interest, home value and your financial obligations .
Income & employment
- gross income (and partner income);
- permanent contract, temporary contract, temporary employment, probationary period;
- bonuses/variable pay (policies vary);
- retirement age and term (situation-dependent).
Interest & fixed interest period
- the lower the interest rate, the higher the borrowing capacity;
- fixing interest provides certainty in monthly costs;
- short-term fixed may appear lower, but entails refinancing risk;
- policy varies per lender.
Debts & obligations
- BKR registrations and credits;
- private lease (counts as a fixed obligation);
- student debt (takes into account the loan standard);
- alimony and revolving credit.
Home value & financing capacity
In the Netherlands the starting point is that you usually have to 100% of the home value kunt financier and . Bijkom and de kost and (zoals costs to buyer) betaalt u meestal uit eig and middel and . Daardoor is own money often partly determines what you can actually buy.
Additional conditions and limits apply to specific regulations (e.g. NHG).
Living space versus maximum borrowing
“Maximaal” betekent niet altijd “verstandig”. Een gezonde Mortgage past bij uw maandbudget, buffers en toekomstige plannen (kinderen, ondernemersstap, minder uren werken). Een rekentool is een startpunt; de beste keuze is een totaalplaatje.
Annuity or linear mortgage?
Annuity mortgage
- fixed gross monthly payment at the same interest rate;
- relatively high interest in the beginning, higher repayments later;
- often popular with starters due to lower net costs at the beginning (depending on the situation).
Linear mortgage
- fixed monthly repayment; monthly costs decrease over time;
- initially higher monthly costs than annuity;
- faster decreasing debt and interest component.
Why this is relevant to your calculation
The mortgage type mainly influences your Monthly charges en risicoprofiel. Voor uw Maximum mortgage is de rente en toetsing leidend, maar in de praktijk bepalen maandlasten en comfortniveau welke koopprijs verstandig is.
Buying a house with your own money: what should you consider?
Buyer costs (kk)
- transfer tax (situation-dependent);
- notary and land registry costs;
- appraisal and advice/closing costs;
- bank guarantee, NHG costs (if applicable).
Renovation & sustainability
Veel kopers reserveren extra budget voor verbouwing of verduurzaming. Dit kan via own money, of soms via financieringsruimte onder voorwaarden.
Buffer for risks
In addition to KK's own money, a buffer is wise: maintenance, interest rate revision, temporary drop in income or unexpected costs.
Calculate maximum mortgage as a self-employed person
What do lenders often pay attention to?
- income development over several years;
- profit, turnover, continuity and industry;
- private recordings and business commitments;
- substantiation via figures (annual accounts/IB return) or income statement (depending on the situation).
Practical approach
- First make an indicative calculation (orientation).
- Get your figures straight and determine your “realistic monthly costs”.
- Then have the options tested with suitable lenders.
Entrepreneurial acceptance varies per lender; comparing pays off.
Practical tips to improve your maximum mortgage
1) Optimize debt
- repay small loans where possible;
- reconsider private lease (impact on borrowing capacity);
- avoid unnecessary credit space.
2) Consciously choose fixed-interest rates
- more security = often peace of mind in your budget;
- choose what suits your plans and buffer;
- compare multiple providers on terms and conditions.
3) Use your own money strategically
- more of your own money can increase your purchase price range;
- lower risk and sometimes more favorable interest surcharge (situation-dependent);
- always leave a buffer.
Frequently asked questions about calculating maximum mortgage
How does a maximum mortgage calculation work?
Met een maximale hypotheekberekening berekent u op basis van uw gegevens (zoals inkomen en financial obligations) een indication of the maximum you can borrow. The tool calculates with lending standards and the influence of interest and fixed interest period.
Can I also calculate monthly costs?
In many cases yes. Depending on the tool you will see an indication of gross (and sometimes net) Monthly charges. De uitkomst hangt af van hypotheekbedrag, rente, looptijd en hypotheekvorm.
How much of my own money do I need when buying a home?
U kunt doorgaans tot 100% of the home value financieren. Bijkomende kosten (kosten koper) betaalt u meestal met eigen geld. Hoeveel dat precies is, hangt af van de koopsom en uw situatie (bijv. belasting/regeling).
What else does a lender look at besides income?
In addition to income, other things count. BKR, private lease, student debt, type employment, woningwaarde, rentevast-periode en bestendigheid van het inkomen mee. Ook kunnen acceptatiecriteria per aanbieder verschillen.
I am self-employed. Can I also calculate my maximum mortgage?
Ja. Een rekentool geeft een eerste indication. In de praktijk wordt ondernemingsinkomen beoordeeld op cijfers over meerdere jaren en de onderbouwing van continuïteit. Vergelijken is extra relevant omdat acceptatie per aanbieder verschilt.
Is the outcome of a calculation tool binding?
Nee. De uitkomst is bedoeld als oriëntatie. De definitieve Mortgage hangt af van uw complete dossier, documenten, geldverstrekkerbeleid en de exacte woning- en leningskenmerken.
What information do I need to calculate?
For a quick indication, these are the most commonly used inputs:
- (joint) gross income and type of employment;
- current financial obligations (BKR/lease/credit);
- desired fixed interest period and term;
- indication of home value/purchase price range and own money.
Next step after your calculation
Heeft u een indicatie van uw Maximum mortgage? Dan helpen wij u graag met de interpretatie en vervolgstappen: scenario’s vergelijken, maandlasten toetsen en bepalen welke route het beste bij u past.
Would you prefer direct personal contact? Call 072 – 509 24 56 or email to info@finassverzekert.nl .
