Dutch banks lend up to 4.5× your gross salary. Here is what that means for your situation.
Your situation
Max mortgage: €315,000 (4.5× rule)
For deposit + buying costs
What you save per month toward the deposit
10 yrs30 yrs
How Dutch mortgages work for Indians
✓ 4.5× gross salary rule
Dutch banks lend up to 4.5× your gross annual salary. At €70,000 salary, you can borrow €315,000 maximum.
✓ 10% deposit minimum
You need at least 10% of the purchase price as a deposit. At €400,000, that is €40,000. This must be your own money.
✓ NHG (Nationale Hypotheek Garantie)
Properties under €435,000 qualify for NHG — government-backed mortgage insurance that gives you a ~0.5% lower interest rate.
✓ Buying costs on top
Budget 4–6% of purchase price for buying costs: transfer tax (2%), notary fees, mortgage advisor, survey. These cannot be mortgaged.
✓ 30% ruling and mortgage
Banks may not count your tax-free allowance from the 30% ruling as permanent income. This can reduce your mortgage eligibility.
House prices: CBS / Funda averages Q1 2026. Mortgage rate: indicative 4.0% for 20–30yr fixed (NHG). Actual rates vary by lender and LTV. This is not financial advice — consult a Dutch mortgage advisor (hypotheekadviseur) for your application.