Buying with a permanent contract as an expat
If you have a permanent contract (vast contract) with a Dutch employer, your income is generally easy to assess — your residence status is then the main additional question.
English Nederlands
What lenders look at
- Your gross annual income including fixed allowances such as holiday pay.
- Your residence permit or EU/EEA nationality.
- Existing obligations registered in the Netherlands or abroad.
Points of attention
A permanent contract usually removes the need for an employer's statement of intent. If your permit has an end date, some lenders apply additional conditions.
Good to know
Options differ per personal situation and per lender. Always have your situation assessed personally.
Last updated: 27 August 2026