Monthly payment, true cost (APR (JKP)), fixed or variable rate risk and how much you can afford, with the rules that apply in the Netherlands.
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For a mortgage of 400,000 EUR over 30 years at 4.2%, the monthly payment is about 1,956.07 EUR. Change the amount, term and rate in the calculator above to see your own payment.
The APR (JKP) includes fees and required costs on top of interest. In our example with typical fees the APR (JKP) is 4.28% while the nominal rate is 4.2%. Compare loans by the APR (JKP) and by the total amount you repay.
Few Dutch borrowers choose a variable rate today, because the gap to a 10 year fixed rate is small. Variable rates follow Euribor plus a margin and can change every month. If rates rose by 2 points, the payment in our example would go up to 2,449.88 EUR. A fixed rate protects you from that risk, a variable rate can be cheaper when rates fall.
How much you can borrow in the Netherlands follows the Nibud financing tables: with a gross income of 60,000 EUR a year it is roughly 270,000 EUR, more with two incomes or a good energy label. The loan can be up to 100% of the home value. Enter your gross income to check your payment ratio.
Dutch mortgages are usually fixed for 10 to 20 years and must be repaid in full within 30 years (annuity or linear) to keep mortgage interest tax relief. You can borrow up to 100% of the home value. How much you can borrow depends on your gross income and the Nibud tables set each year. For consumer loans the yearly cost is shown as the JKP (jaarlijks kostenpercentage), capped at 12%.
The nominal interest rate only covers interest. The APR (JKP) adds the fees and costs you must pay to get the loan, such as processing fees, account fees and required insurance, and turns everything into one yearly percentage. Two loans with the same interest rate can have very different APR (JKP). When you compare offers for the same amount and term, the lower APR (JKP) is usually the cheaper loan.
A fixed rate keeps your payment the same for an agreed period, so you know exactly what you pay. A variable rate is a reference rate (for example Euribor) plus the bank's margin. It is often lower at the start, but your payment rises when the reference rate rises. Use the stress test above to see your payment if rates go up by 1, 2 or 3 points, and only choose variable if you could still pay that.
With equal payments (annuity) the monthly amount stays the same, and at the start most of it is interest. With equal principal the first payments are higher but fall every month, and you pay less interest in total. Switch the repayment option in the calculator to see the difference.
Look beyond the monthly payment. Add up interest, upfront fees, monthly account and insurance costs, valuation and notary costs. A longer term lowers the payment but increases the total interest a lot. The line "cost per 100 borrowed" shows how much you pay for every 100 you borrow.
Paying off part of the loan early saves interest. Many countries limit what banks may charge for it, and variable-rate loans can often be repaid without a fee. Read the early repayment clause before you sign.
Typical mortgage at today's average rate, equal monthly payments, without fees. Interest rate: 4.2%.
| Amount | Term (years) | Monthly payment | Total interest |
|---|---|---|---|
| 300,000 EUR | 30 | 1,467.05 EUR | 228,139 EUR |
| 400,000 EUR | 30 | 1,956.07 EUR | 304,185 EUR |
| 500,000 EUR | 30 | 2,445.09 EUR | 380,231 EUR |
Yes. You can repay 10% of the original amount each year without a fee, and repay in full without a fee when you sell the home or at the end of the fixed period. Otherwise the bank can charge compensation for lost interest.
In October 2026 10 year fixed mortgages in the Netherlands cost about 4.1% with NHG, and 20 years fixed a little more. Personal loans cost about 6% to 8%, within the legal maximum of 12%.
No. It is an educational calculator. Your bank sets the final rate and costs. Use the results to understand and compare offers, and ask for the official pre-contract information before signing.
This page is educational. Rates are examples based on central bank statistics and published offers in October 2026, and your bank will price your loan individually. Always compare the official offer document (ESIS or standard information form) before you sign.