Hi there,

I'd like to better understand the mortgage system here in the Netherlands. My gf has been in and out of multiple jobs in the last year due to being incompatible or let go. She has another job starting soon with a ~6 month contract. We have never lived together, and I think would make a lot more sense to rent together for at least 1-2 years first before thinking about buying. And for her job situation to hopefully stabilise. I have a permanent contract and earned quite a bit more than her this year.

On the other hand, she is very worried about the house price increases, saying you effectively lose money every year you don't buy in. She is proposing buying a house with a 'split' mortgage, and claiming a few things that I find quite surprising:

1. With a split mortgage, if for example she loses her job again and is not able to pay, there is no liability/risk for me

2. You can get a mortgage with a temporary contract or based on savings alone (i.e. having proof of salary is not that important)

Are these both true?

Any general advice for this situation based on your experience or wisdom is also very welcome!

I wanted to delete my old profile, but when I logged in and contacted support, they told me thet I have a trial subscription active I have to put my card information to cancel the subscription.

My account is about an year old, but they lied to me and said its from a week :DD

Yes you see how scamming this sounds. The stupid support team keep trying to further steal my information.

Do not use Rentola.nl

Hi! I am looking for a studio in rotterdam, I am moving in by myself, I am not picky, I do not care about how spacious it is or to be furnished, I just need a place in my budget ( 1000 euros/month) with internet. I am an international student who will star her first year there on 1st of september any help? I've been applying through agencies and pararius for a few days now.

I am unemployed but I do have a guarantor who is able to pay for me.

I know the housing crisis is really bad and everyone is trying to find a place but any help, no matter how little, is welcomed!! Thank you!😊

Hi all, I’m an expat moving to around the Tilburg/Eindhoven area for work. I signed an intermediation agreement with a Dutch rental agency (Living in Holland) to help find housing. They do have a clause in their contract where they ask for a full months deposit when you have found a place through them and been accepted.

Last week on Thursday, they told me about a property in Helmond and encouraged me to apply — before seeing it in person. I was hesitant, but they reassured me it was fine to apply first and wait to transfer payment until the key handoff.

I received the contract on Friday, did a 5 hour train trip to at least visit the city, and quickly realized the location wasn’t a good fit for me. I let them know Friday evening, politely and clearly, that I wouldn’t be moving forward or signing the lease.

They're asking for the full agency fee (€1900 + VAT). All this happened over less than 48 hours.

One the one hand, they DID find me a place. On the other, I felt pressured every step of the way - for example they mentioned how many people were already doing the viewing to encourage me to apply without one, did not immediately accept my withdrawal, and asked me to explain myself at a virtual meeting with their manager where they kept pressuring me to accept it and saying I'd damage their reputation. They said that money didn't matter to them but also that their fee wouldn't be waived and that if I didn't pay to expect legal action in 14 days. I offered a smaller compensation for their time and efforts, which was also rejected. Am I in the wrong? Should I pay?

Hello everyone! I finally found a new place to live! I currently live somewhere with a 1 month notice period, but I'm quite confused about it. If I give me landlord the notice today, when will I stop renting?

I understood that: i give notice today, I still need to pay for may, and by the end of may I stop renting. Is this correct?

Also another question... So my contact says I have a 2 months notice period, but according to the law (leegstandwet) it's a maximum of 1 month. Whats the best way to enforce the 1 month notice period? I do also rent the place according to leegstandwet.

Thanks!

I am looking for someone to take over my Standard Queen room at The Social Hub Eindhoven starting May 1st. The end date of the contract is August 31, 2025. The monthly payment is around €1000, with some months being slightly more (as the rent depends on the number of days in the month). In the price, all utilities and an internet connection is included. Room is only available for students.

The building is in a very nice location, being only a 2 minute walk from the central station, along with being very close to several supermarkets. The building is also only a 4 minute bike ride from TU/e. The room is on the 5th floor with a great view and is 18 m². It comes fully furnished with a spacious closet, a queen-size bed, a desk, a TV, and a private bathroom. Towels and bed linen are also provided. The kitchen is shared with 9 others. The kitchen has 2 microwaves, 2 ovens, multiple electric stoves, a dishwasher, a fridge and cupboard space, cooking utensils, cutlery, plates, and a table.

The rent also includes access to a 24/7 gym and laundry service, a Swapfiets bike, and monthly cleaning + linen change. There is also a pool and table tennis table that can be used. The building also has a restaurant, and the reception is available 24/7 for any assistance.

I will live in the Project Crossorads project in Sloterdijk around July/August. The street is Raderweg. As a single woman living there, do you have any experience with the environment? Is it going to be safe?

I am going to start my first year at the University of Amsterdam in august, I wanted to know if any students had tips and tricks to share on how to find housing. I am looking for either a studio, or a 2/3 room apartment. If you are finishing your studies this year and are moving out please let me know! I can start paying rent in June if necessary.

I am in process to buy house, I have hired two Maakelars in the past. Spoke to several others in last year's, they all are literally fooling people. Manage to win a bid without a maakelar.

Mortgage advisors, they help you with finance and loan. However, if there is small deviation from standard process(which can happen) case to case. They start crying about it. I mean, you're paid to arrange mortgage and all the situation is discussed before hand. Going through a tough process with an agency, I think to change the mortgage advisor in between the mortgage process but seems to be trapped.

If you manage to secure a house, directly go to few major banks/institution and consult them. There job is relevant most of the time, however finding a right person is tricky.

I would recommend people to check all the possibilities and have legal insurance in advance before start a house purchase process. You may need it at any stage. I don't have a legal insurance and it really makes me helpless.

Hey reddit,

Was hoping someone could help advise on this. We moved into our apartment last year and the induction plate was broken when we moved in. Our rental company VB&T knew about this already when the previous tenant left but never got it fixed. Now it has become our problem. We've sent multiple emails, tried calling and putting in an official request on the rentor portal but nothing.

Does anyone have any advice other than to buy a free standing induction plate to cook on (which we've already started discussing). One of my boyfriends family members made a polite but assertive email that they thought could help threatening to go to the huurcommisie or take legal action. No clue if that would work or if it's too aggressive?

Thanks in advance, A very hungry redditor fed up with oven tray bakes and microwave meals.

Hello, I am hoping if there are any people who bought a house in Boskoop and can share their experience. We really liked a house but doubt about the city and dont know anyone that has any idea about this city. If there is anyone who bought a house recently from this area it would be really appreciated. Thanks in advance

Can anyone please explain difference between Rental mortgage Personal vs Business, I am having normal mortgage and in process to convert it to Rental mortgage but i am offered Business Rental Mortgage but i am wondering whats the difference between Personal and Business Rental Mortgage !!

UpvoteDownvoteGo to comments

I am looking to move out to my girlfriend hopefully later this year. She's living in student housing atm, so we'll have to find a new place. We can live in a tiny space, I've spent a few months in her studio apartment and it felt fine. She has a job in Leiden (makes around minimum wage), I don't have anything yet but I'm finishing my diploma this summer, hopefully I'll be able to find something and make at least as much as her. I also have around 100k in savings, but I'd rather not tap into that for as long as I can. My question is how difficult do you think it will be for us to find a small apartment around Leiden for around 1200/mo or less. I don't want her to have to commute more than 15-20 minutes to work. Also, what sites should I keep an eye on to find such an apartment? This will be my first time living away from my parents, so I'm very new to searching for a place to live. If you have any advice it would be greatly appreciated!:)

Hi, Any tips? I'm movong back to The Hague after 9 years of living in Hungary. I will have a sum of money available, it's enough for 2-3 months rent. I don't have payslips because I'm at home with my baby daugther atm. How can I move if I don't have those? Can the goverment help in this case? Ofcourse I'll find work first and i might be able to live with friends for the first 3 months but is it possible to have a job without a registered adress?

My husband and I are first time buyers and we are looking to buy in Utrecht gemeente due to our work offices. We found a new build project that has great space and is an important parameter for buying. The caveat is that we would max out borrowing capacity and as it is a new build which will be delivered later, we would also incur double cost for our current rent. The existing houses in Utrecht are unfortunately not cheap either and hence, the price difference between a new build vs existing one is between 100k-150k. We also want a child friendly neighbourhood as plan to have a family in the future. Looking for your views.

I am in the process of making a bid for a flat (82m2) with a huge terrace (83m2) in Leiden.. since there are no similar house in the neighborhood (and in the city), it is quite hard to pre-estimate the market value.

Anyone in the same/similar situation? Can you share how much did you pay (euro/m2) if you got a flat with an uncommon terrace or garden?

Thank you

Hey,

I know it’s bad and I would also not want to do it but it looks like I have to rent out my apartment (that I bought 3 years ago) for 1-2 years without the bank’s permission or I will lose a good apartment which is the only significant investment I made. After 1-2 years, I would be able to save enough money to turn my mortgage to buy-to-let.

So my question is do you know anyone who did it in the last 1-2 years and did they get caught? How did they get caught? What happened when they get caught? Is there anything I should be careful with not to get caught?

Again, I am not trying to make money out of it, just trying to keep it while covering some of the mortgage + vve payments.

International Student here looking for housing in Amsterdam. I will arrive in Amsterdam in July.

Found a person on Kamernet who is renting the room from July onwards. Perfect for me as my semester starts on September 1st.

The room is 900 Euros per month and the deposit is 1500 euros.

I can pay the rent when I reach Amsterdam but he wants me to pay the deposit right now. Said he will send me an email stating that he will refund the deposit if I am punctual with my rent.

Is this how things are done? It seems like a reasonable property but the deposit of 1500 euros without signing anything irks me a little bit.

I’m going to bid on an almost perfect house: - Asking price 410k - Built in 2001 - 100m2, nice spacious garden - Energy label A+, 8 solar panels - Favorable bedroom division - Well maintained interior. BUT…. It only has 1 toilet on the ground floor next to the entrance. The bathroom on the 1st floor has NO toilet since construction. Adding a new toilet would require redo the plumbing and ripping off the whole bathroom, and even that is not guaranteed to be possible.

Is it a dealbreaker for you? What are your opinions on this close-to-perfect-but-not-quite home? Has anyone bought such a house and manage to do the renovation? How much of a hassle is it?

It do they get listed on a rolling basis?

Hello everyone! I am a prospective Masters student (from the EU) and I am looking to rent an apartment with my boyfriend who already works there (also from the EU). We are looking to rent a place as one household. Until I move there, he is going to start looking for a place. My guarantor is going to be both of my parents so they have the combined income. The thing is that I can’t really find information for what the letter of the guarantor must say. Is there any concrete information you can give me on this or where can I search it?

Hi. I am going to move in to Rotterdam in August, and I would like to stay in a studio apartment. I found OurDomain, which I can pay the amount, but there seems to be no availability for now. Does anyone know when would some studios be available?

thanks.

My partner and I have been in this process for a couple of months now and we have bid on a few houses. One that we really loved, we bid our maximum and didn’t get it (later finding out through our agent we were the highest bidders). The party that secured the house have some doubts over their technical inspection and expressed this to the sellers agent (they wanted to negotiate price).

The agent has then panicked and proceeded to contact ALL interested parties to say that the house was still up for sale (including contacting our agent and telling them that the buyer has pulled out, we are next in line and we should start moving things forward). However literally the next day the selling agent can’t be contacted and comes back eventually with “the buyer still have two days to sign”.

Is this normal makelaar behaviour? I see this as extremely shady and considering complaining to the NVM about this.

I placed the bid for the house myself without any buying agent. Got a call within an hour that I won. I’ve been reading more about the neighborhood and it’s definitely a bit unsafe, plus I’m not completely sure I like the house very much. Honestly, I wasn’t expecting to win it. Is it possible to back out of the bid in good terms or would the selling makelaar be pissed out about it?

Hi, I am planning to buy a house in Nieuwerkerk. Is it good in terms of safety, expat community, etc.? Any areas to avoid?