30% tax ruling and mortgage

Skilled employees who move to the Netherlands are eligible to apply for a 30 % tax benefit. Employees need to meet the requirements to receive 30 % tax benefits. If the employer grants a 30 % ruling, the employee pays fewer taxes to Dutch authorities.

When you apply for a mortgage in the Netherlands, you can use a 30 % tax benefit. How does it work? The maximum mortgage amount is calculated based on your annual salary. A 30% ruling is included in the calculation for the period you are still eligible for the 30% ruling in future years.  As soon as your 30 % tax benefit ends, your monthly payment will be based on the annual salary at that time.