Check whether the agent you want to hire is registered with a Dutch real estate professional association, such as NVM, VBO, or Vastgoed Pro. You can find property listings on websites such as Funda or VBO Makelaar.
The process of purchasing a house usually begins with a price agreement between seller and buyer, first verbally and then in a signed contract. This agreement is usually handled by a real estate agent. A down payment of 10% must be paid to the seller through a public notary.
The notary will complete the transfer of the ownership, and the purchase will be registered in the Public Registry Office (Kadaster). If you need a mortgage (hypotheek), discuss the terms with the seller before making an offer.
When buying an apartment or a home, bear in mind that units are managed by a home owners association, the Vereniging van Eigenaren (VvE). The VvE is responsible for general repairs, maintenance and home insurance. Members have to financially contribute to their VvE. Ask if the VvE in the street you are moving to is active and what their financial status is.
If you are planning to buy a house, you should consider joining the Vereniging Eigen Huis (Home Owners’ Society). It is a consumer agency that focuses on the benefits of house ownership and the whole process, from buying and selling to making your property more environmentally-friendly and legal matters. They can also advise you on construction inspections and mortgages. Visit their website (in Dutch) for more information.
Home buyer costs include:
Buying a foreign property is a big financial commitment, but understanding your options early on means you can budget for the purchase more effectively and potentially save a lot of money.
Keep exchange rates in mind when assessing your finances, as they can change quickly and can seriously affect your budget.
Enjoy easy and complete banking for a smooth start. At ING its more than just banking, we provide you with the support and convenience you need as you embark on your new journey.
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