Many thanks for your reply. I have had someone tell me approximates from various banks, so I do have a top figure in mind. I have just spoken with a makelaar with regards to selling the property, and it sounds like 3000 EUR is what I will pay for that part of the process. I have been told that 6% is a good estimate for how much it would cost to purchase a property, so for simplicity, if I purchased a place for 200,000 EUR then the costs would be 12,000 EUR which includes everything... does this sound about right?

Hi all,

 

I currently own a property in Zuid Holland, and have done for a number of years. I am considering a change, and plan on selling here, to purchase a place in Amsterdam.

 

I have started to ask questions (to brokers and makelaars) to find out the costs involved, and to be honest the costs are scaring me!

 

I believe I can get a mortgage of approx. 215,000 EUR - and would hope to make around 5000 - 7000 EUR on selling my property, but I have questions with regards to how much I would expect to pay throughtout the whole process.

 

When I sell the house, who do I pay, and what sort of fees would these generally be?

When I find a house that I like, who do I pay and what sort of fees would these generally be?

 

I have a broker who has estimated that his costs would be approx 3500-4000 EUR, but I know of no other costs.

 

If my max. mortgage is 215,000 EUR, then what would my max house price be, which would cover all of the other costs?

 

Also, what is the KK charge (10% ?)

 

It has been a while since I've gone through this, so I'm really unclear how it all worked last time. All that I know is that my house was purchased for 142,000 EUR and my mortgage was 157,000 EUR. But that was just the price for purchasing a property - not for selling and then buying.

Hi all, I hope somebody is able to give me some advice on a letter that I have just received from Legal & General. A bit of background, I bought my house a while ago, and when I bought the property I started paying Westland Utrecht for my mortgage, and also Legal & General (which was tied into it).

 

Today I just received a letter which says that my policy is closing due to reaching the desired/maximum doelkapitaal?!

"Deze verzekering heeft u gesloten met een bepaald doel, bijvoorbeeld voor de (gedeeltelijke) aflossing van uw hypotheek. Aan dit doel heeft u wellicht een bedrag gekoppeld dat u op de einddatum wilt behalen. Dit noemen wij het doelkapitaal."

It then tells me that I have until early February to fill in the contact form "Graag willen wij vastleggen wat de hoogte is van uw doelkapitaal".

What does this mean to me? I am confused enough with finance, never mind when I am not a native.

Thanks very much!! :)

 

Thank you so much! That makes perfect sense to me now, I'll go and revisit those figures and see where I stand. Thanks again!

Thanks ouloveit3 - I fill in the "Aftrekbare rente en financieringskosten eigen woning" every year in the tax forms, and the WOZ-Waarde value. I'm looking at the Opgave fiscale gevevens now. Versculdigde hypotheekrente is the figure I put on the tax forms, and the other figure is bruto restant schult - this can't be the amount owed in total can it, as it hasn't gone down at all.