How much can an expat borrow in the Netherlands?
The same principles apply to expats as to Dutch buyers: your borrowing capacity is determined by your income and by the value of the property.
English Nederlands
Factors that count
- Gross annual income and any second income.
- Fixed obligations such as loans or alimony.
- Contract type and length of employment.
- Property value and energy label.
- Own funds available.
Allowances and bonuses
Temporary or non-structural allowances are not always counted in full. How this is handled differs per lender.
Options differ per personal situation and per lender. Always have your situation assessed personally.
Last updated: 27 August 2026