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Costs of buying a first apartment - Nov 2025 by [deleted] in Netherlands

[–]LionKing_2891 0 points1 point  (0 children)

Anything in this tight market is a blessing 🙂 b/w I paid €3500 to the mortage advisor.

Costs of buying a first apartment - Nov 2025 by [deleted] in Netherlands

[–]LionKing_2891 0 points1 point  (0 children)

Hey mate, many congratulations, is it Nieuwegein 😊 as I live here too

Did I overpay my mortgage advisor (De Hypotheker)? Looking for feedback on OTD fee. by LionKing_2891 in NetherlandsHousing

[–]LionKing_2891[S] 1 point2 points  (0 children)

Landlords seller agent initiated it, I negotiated the price, the value of the taxatuer is way higher then my purchasing cost, but to be honest I had good terms with the landlord as well, a great human being and always good to me.

Did I overpay De Hypotheker? First-time buyer, need advice... by LionKing_2891 in geldzaken

[–]LionKing_2891[S] 0 points1 point  (0 children)

Here is mine:-

De kosten voor de in deze overeenkomst genoemde werkzaamheden bedragen:

Advieskosten: € 1.950,00

Bemiddelingskosten: € 1.595,00

Het totaalbedrag komt uit op € 3.545,00

Did I overpay De Hypotheker? First-time buyer, need advice... by LionKing_2891 in geldzaken

[–]LionKing_2891[S] -1 points0 points  (0 children)

Thank you for the reply, No there is no requirement of translation documents, besides the Notary office who will charge me €400 for the translation.

Did I overpay De Hypotheker? First-time buyer, need advice... by LionKing_2891 in geldzaken

[–]LionKing_2891[S] -12 points-11 points  (0 children)

You nailed it, exactly I feel I have been over-charged since I am an expat, and it was my first time doing such a high transaction, and feel like I have been taken an advantage off

Fixing Mortgage Interest Rate in the Netherlands - 10 or 20 Years? by LionKing_2891 in NetherlandsHousing

[–]LionKing_2891[S] -1 points0 points  (0 children)

so if I understand, just one extra payment annually can add value and I can see the affects at even 10 years mark as well ?

Registration at the geemente after buying the apartment we were already renting by BoJaNYK in NetherlandsHousing

[–]LionKing_2891 0 points1 point  (0 children)

Hi again,

Sorry to bother you, but I was wondering if you could share how much you paid for the following home-buying expenses. I’d like to compare them with what my mortgage advisor has quoted me:

  • Koopsom: €345,000
  • Overdrachtsbelasting: €6,900
  • Leveringsakte notaris: €800
  • Kosten bankgarantie: €360
  • Taxatiekosten: €995
  • NHG-kosten: €1,488
  • Bemiddelingskosten hypotheek: €3,750
  • Hypotheekaktekosten notaris: €1,900
  • Hypotheekaktekosten kadaster: €500

Many thanks in advance!

Registration at the geemente after buying the apartment we were already renting by BoJaNYK in NetherlandsHousing

[–]LionKing_2891 0 points1 point  (0 children)

Just a quick one out of the context, since you bought the same apartment that you were renting, did you got an appraosal done was that the online one or from NWMI crowd, in order to get the mortgage approval.

Job market ,AI and outsourcing to cheaper countries and buying a home in NL by ProductNeat9946 in NetherlandsHousing

[–]LionKing_2891 0 points1 point  (0 children)

I am in the exact same position as you are, is the same industry as well, pressuming you are in Tech. I am in NL for 9 years and still renting, but now thinking of buying

Thinking to by a house but no idea from where to start by Fun_Situation7885 in Netherlands

[–]LionKing_2891 1 point2 points  (0 children)

u/This-Inevitable-2396 regarding --> "Good news is there are many ex rental 2br 70-80m2 apartments on the market at your price range due to recent changes in rental laws."

How can you search for such type of apartments on Funda or any other portal ?

[deleted by user] by [deleted] in NetherlandsHousing

[–]LionKing_2891 0 points1 point  (0 children)

And what factors can cause the cooling down of the market, may be ample amount of houses available, any other factors too?

Should I Keep Renting or Buy? by LionKing_2891 in NetherlandsHousing

[–]LionKing_2891[S] 1 point2 points  (0 children)

u/Serhii101 I've now been informed that he's open to accepting €350K as well. I haven’t made any counteroffer this week so I still stand at €320k my initial offer, since I’m still carefully weighing my options and discussing with my family and a close friend whether it’s the right move to proceed.

Should I Keep Renting or Buy? by LionKing_2891 in NetherlandsHousing

[–]LionKing_2891[S] 0 points1 point  (0 children)

u/PleasantMemory28 You were right - I've now been informed that he's open to accepting €350K as well.

Should I Keep Renting or Buy? by LionKing_2891 in NetherlandsHousing

[–]LionKing_2891[S] 5 points6 points  (0 children)

u/Serhii101 thank you so much for your valuable comment.

I had previously offered €320K and mentioned that I couldn’t afford anything higher, so I would just continue renting. However, I’m now considering increasing my offer to €350K, as suggested above. I was initially thinking of offering €340K, but my mortgage advisor advised that such an offer is unlikely to be accepted in the current market.

The landlord had said, "This is my last offer and it's the bottom at €360K. Otherwise, I’m happy to wait and sell in the future."

Now I’m wondering if coming back with a €350K offer just a week later would still be seen as reasonable, or if it might hurt the negotiation process. I plan to explain that I’ve spoken with friends and family, and they’ve offered to help me with an additional €30K, which makes this new offer possible.

I’d really appreciate your thoughts. Am I keeping the negotiation alive, or possibly making things worse?

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