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Pay attention! Borrowing money, costs money

Financing the costs of the buyer

How do you finance the costs for the buyer of your owner-occupied home?

If you move to an existing owner-occupied home, you will have to deal with buyer costs (kk). These are extra costs that come on top of the asking price and consist of purchase and financing costs. If you buy a new-build house in your name (VON or von), then the purchase and financing costs or are included in the purchase price and processed or the selling party bears those costs. When buying an existing building, the costs are for the buyer. What are the options for financing these costs?

Which costs fall under 'buyer costs'?

The costs that fall under the heading of costs to the buyer are the costs necessary to realize the purchase and the financing costs. You will see the following cost items in the overview: costs to the broker, notary and land registry, transfer tax, appraisal and closing costs. In addition, you also pay the costs for the mortgage deed and the costs for the NHG if you use it. Do you need a bridging loan? These costs are also included in this item.

Calculate buyer costs

You can easily calculate yourself what will be the amount 'costs for the buyer' in your case. You add up all purchase and financing costs. This total is in addition to the purchase price of the house. This gives you a clear overview of the total amount you need to finance.

Financing the costs of the buyer

The amount 'costs for the buyer' can be quite high. How are you going to finance this? Do you want to co- finance the costs with your mortgage for the home or do you take out a consumer credit ? What are the possibilities?

Co-financing with a mortgage

You can take out a mortgage for 101% until the end of 2017; As of 2018, only a mortgage of up to 100% is possible. This means that you can no longer co-finance the costs for the buyer. If you apply for a mortgage in 2017, but you do not receive the final mortgage offer until 2018, the new, more stringent rules will apply to you and no longer the rules of 2017.

Co-financing a bathroom or kitchen with your mortgage will also be more difficult. Because not only has the maximum mortgage been lowered, but stricter rules also apply to the assessment of your income. More and more consumers will turn to consumer credit in addition to their mortgage to finance a kitchen or bathroom.

Get a loan

Your costs buyer can finance through a consumer credit. Due to the decrease in the maximum mortgage amount, more and more consumers are financing the additional and additional costs that you will encounter when you buy a house with a loan. You can opt for a personal loan or a revolving credit. In most cases, the security of a personal loan is chosen where the interest and term are fixed and you pay the same costs every month.

Taking out a personal loan for a renovation to your main home has another advantage: the interest costs are tax deductible. This is not the case with a revolving credit, a variable loan form.

An advantage of a loan compared to a mortgage is that you can make interim repayments on the loan without penalty. Do you have a financial windfall? Then you make extra repayments so that the total loan amount becomes smaller or you shorten the term so that you are debt-free sooner.

Finance your buyer costs online

You can request a quote from us for a loan so that you can finance the 'costs for the buyer'. You will receive a quote from us containing four proposals from our partner banks and you choose the proposal that most appeals to you. We draw up a contract based on your choice. This contract is valid for one to three months (depending on which bank you take out the loan with) and you can have it start when you actually have to pay the buyer costs. You can request the quote for the loan online.

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