Bridging loan (overbruggingskrediet)
A bridging loan (overbruggingskrediet) is a temporary loan that lets you use the expected surplus value (overwaarde) of your current home to buy a new one before the old home is sold.
English Nederlands
When is it used?
- You buy a new home before selling your current one.
- The transfer dates of the two properties do not line up.
Risks
- Temporary double housing costs.
- A lower sale price than expected can leave part of the bridging loan outstanding.
- Bridging loans have a limited term.
Good to know
Options differ per personal situation and per lender. Always have your situation assessed personally.
Last updated: 27 August 2026