Maximum mortgage amount
The maximum mortgage amount you can finance is 100% in the Netherlands. For example, if you plan to purchase a home appraised of € 500,000, the maximum loan amount you can borrow (loan to value) is € 500,000.
How much mortgage can I get in the Netherlands?
Your maximum mortgage amount depends on the loan-to-income ratio (LtI). The loan-to-income determines how much mortgage you can afford. The loan-to-value determines how much mortgage the bank is willing to give based on the value of the property.
Scenario 1: if you plan to purchase a property appraised at € 500,000, and your loan-to-income is € 450,000; then the bank borrows you € 450,000. The amount of € 50,000 should come from your savings.
Scenario 2: if you plan to purchase a property appraised at € 500,000, with a loan-to-income of € 550,000, the bank borrows you € 500,000.
The bank always borrows you the lowest of the loan-to-income OR the loan-to-value.