Before you start looking for a home, you will need to know how much you can actually spend. The best way to do that is to get prequalified for a mortgage in Eindhoven. To get prequalified, you need to provide some financial information to your mortgage banker, such as your income and the amount of savings and investments you have. Your lender will review this information and tell you how much they can lend you. This will tell you the price range of the homes you should be looking at. Later, you can get preapproved for credit, which involves providing your financial documents (paycheck, bank account statements, etc.) so your lender can verify your financial status and credit.
OUR QUALIFIED EXPAT MORTGAGE ADVISOR
Are you an expat and curious about what De Hypotheekshop can do for you?
"I will gladly explain Dutch mortgages to you in English".
DHVC Vastgoed works closely with a mortgage advisor from Hypotheekshop Eindhoven Zuid. De Hypotheekshop is the largest financial advice chain in the Netherlands (franchise chain). Anyone can go to an office of De Hypotheekshop for clear financial advice in mortgages, pensions and insurance.
Expats can contact us for independent and personal mortgage advice. It is certainly possible for you to find a house in the Netherlands and get a mortgage. See link below expat mortgage:
AN EXPAT MORTGAGE IN 5 STEPS
Calculate your mortgage
Find a property
Make a bid
Apply for a mortgage
Sign with the notary
HYPOTHEEKSHOP EINDHOVEN ZUID
Our advisor of De Hypotheekshop Eindhoven Zuid is independent and therefore not tied to a bank, insurance company or other financial institutions. De Hypotheekshop gives you tailor-made advice without obligation.
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HYPOTHEEKSHOP EINDHOVEN ZUID
As an expat you have to get used to our country, our culture, and our legislation. This can lead to confusion and difficulties in the field of mortgages. De Hypotheekshop Eindhoven Zuid understands these difficulties and can offer expats professional help finding the right mortgage. Our expat expert and mortgage advisor Jeroen Smits speaks English very well and is glad to assist you in any way.
WHICH MORTGAGE TYPE?
Linear mortgage: With a linear mortgage, the amount of debt you repay every month is the same. On top of this, you also pay interest. At the beginning of the mortgage, debt and interest will be highest. As your debt is reduced every month, repayments will go down over the loan period.
Annuity or repayment mortgage: With an annuities mortgage, you make fixed monthly payments throughout the mortgage term (with the exception of interest rate fluctuations). Your monthly payment covers interest and loan repayment. In the early years, most of your monthly payment will go toward paying interest.
WHICH MORTGAGE TYPE IS RIGHT FOR ME?
Annuity or repayment mortgage
NATIONAL MORTGAGE GUARANTEE
The National Mortgage Guarantee (Dutch: NHG) enables you to safely and responsibly borrow money to buy a house. NHG provides a safety net for you and your lender in case you run into payment problems due to circumstances beyond your control such as job loss, disability, divorce or death of your partner. The National Mortgage Guarantee is available for mortgages up to a certain value (€ 325.000 in 2021).
We can provide you a mortgage that suits your wishes and personal situation.
We can advise you on insurance that you need when buying a home.
We pay attention to your financial condition after taking out your mortgage.
We can advise you on your financial situation after your retirement.
Everything under one roof: support for the purchase of your dream home.
Before you head out to find a home in the Netherlands, you need to find out what you can afford. To determine your budget it is advisable to see an independent mortgage advisor of De Hypotheekshop.
HOW DO I FIND A PROPERTY?
Our mortgage adviser Jeroen collaborates with us when it comes to finding a suitable house. We often have access to properties before they are advertised online. Or perform a quick search yourself on Funda.
HOW DO I MAKE A BID THAT'S RIGHT?
Have you found your dream home? Then you can start negotiating. Think carefully about your maximum bid in advance. Also reserve money for renovation. As an experienced buying agent we can make sure you won't pay too much for the house.
WHO CAN HELP ME WITH MY MORTGAGE?
Once you’ve had your offer on a house accepted, you have to complete a full mortgage application. Our advisor Jeroen will deal with the money provider, check the paperwork, and answer any questions you may have.
HOW DO I FINALIZE THE SALE?
Once you have found a mortgage, you instruct us to take out your mortgage. The official transfer of the house takes place at the notary. When you have signed the deed of delivery and mortgage certificate, the house is officially yours!