{"type":"document","data":{"id":"f31f00d7-f460-48ea-96de-06a173ff18a5","localeString":"en-GB","publishDate":"2026-03-30T10:09:50.381+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Becoming a homeowner in the Netherlands. Follow these steps in buying a House in the Netherlands"},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/fe022705-ae3b-4bb9-85ec-9fe489b94bd6/Rear-view-of-a-man-sitting-on-a-road-with-painted-white-lines","type":"image","width":4096,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/4e979d2cbb5a8bee/original/Rear-view-of-a-man-sitting-on-a-road-with-painted-white-lines.jpg","extension":"jpg"},"title":"Step by step","subtitle":"The road to becoming a homeowner"},"backLink":{"textLink":{"url":"/en/personal/expats","text":"Expats"}}},"flexZone":{"flexComponents":[{"componentType":"applicationProcess","steps":{"title":"The steps","stepList":[{"title":"Buy or continue renting?","body":"Many people wonder; best to continue renting, or is buying the smarter option? Buying can be a good investment.","textLink":{"url":"/en/personal/mortgage/buying-a-house/buying-your-first-home/rent-or-buy","text":"What's best for me?"}},{"title":"Newbuild or existing property?","body":"A home with a story and character, or one that lets you decide every little detail? Each type of home has pros and cons. We decided to list them both.","textLink":{"url":"/en/personal/mortgage/buying-a-house/newbuild-or-existing-property","text":"Existing or newly built?"}},{"title":"What’s my max loan?","body":"You have calculated your maximum mortgage, but you can always try out various variables. This will give you a good idea of your options.","textLink":{"url":"/en/personal/mortgage/mortgage-calculator","text":"Calculate your maximum mortgage again"}},{"title":"Making an offer","body":"Did you find the home you want to buy? Now you decide which offer you want to make. But there’s more to consider!","textLink":{"url":"/en/personal/mortgage/buying-a-house/7-tips-for-making-an-offer-on-a-home","text":"Tips for making an offer"}},{"title":"How does a mortgage work?","body":"Linear or annuity, the term, the interest rate and other conditions… How exactly does a mortgage work?","textLink":{"url":"/en/personal/mortgage/mortgage-types","text":"View all mortgage types"}},{"title":"What to expect from an advice meeting","body":"Together we examine your personal situation, what you could borrow and more.","textLink":{"url":"/en/personal/mortgage/mortgage-advice","text":"All about the advice meeting"}},{"title":"At last, the key!","body":"The deal is done: you can’t wait to move in. But first you need to stop by the notary to sign the sale and mortgage deeds.","textLink":{"url":"/en/personal/mortgage/buyers-costs/notary","text":"Prepare for the notary"}},{"title":"Welcome home","body":"You did it! You can now completely focus on your dream home. And, should anything change in your personal situation, we’ll be here for you.","textLink":{"url":"/en/personal/mortgage/your-mortgage","text":"My mortgage"}}]}}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Tips"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Don’t forget your student debt","intro":"A student debt shouldn’t be a problem when applying for a mortgage. It could, however, affect your max. mortgage amount.","body":"Combining a student debt and a mortgage","image":{"transformBaseUrl":"https://assets.ing.com/transform/a8f88f60-690f-43c4-bec0-eb58b21ea304/Woman-holding-coffee-cup-with-chocolate-at-cafe","type":"image","width":4896,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/4b13f0d4a5b7a8bc/original/Woman-holding-coffee-cup-with-chocolate-at-cafe.jpg","extension":"jpg"},"link":{"url":"/en/personal/mortgage/buying-a-house/buying-your-first-home/student-loan-debt"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Makelaarsland","intro":"When looking for a home you can use a bit of help. Many of our customers have had great experiences with Makelaarsland.","body":"More about Makelaarsland","image":{"transformBaseUrl":"https://assets.ing.com/transform/92a7c9e7-823d-41be-b011-e2ddcb413bc2/business-bank-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/47127c0575c7ff6f/original/business-bank-1920.jpg","extension":"jpg"},"link":{"url":"/en/personal/mortgage/makelaarsland"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Insure your new home","intro":"Your beautiful new home is a prized possession. Don’t forget to properly insure it. Take a look at the ING Woonverzekeringen.","body":"Zo werkt de ING Woonverzekering","image":{"transformBaseUrl":"https://assets.ing.com/transform/8d5b0e84-2ff3-40ca-95c7-778ceaff7f46/Handmade-rainbow-sign-displayed-in-a-window-of-a-house","type":"image","width":7793,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/7aaf5bb05d5290f2/original/Handmade-rainbow-sign-displayed-in-a-window-of-a-house.jpg","extension":"jpg"},"link":{"url":"/en/personal/insurances/home-insurance"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Tax refund","intro":"Great, part of the extra costs are refunded by the Belastingdienst.","body":"All about your tax refund","image":{"transformBaseUrl":"https://assets.ing.com/transform/235f1983-f8ae-434d-b6d5-ecb9fb63ce1e/YOUNG-WOMAN-USING-MOBILE-PHONE-WHILE-SITTING-AT-HOME","type":"image","width":7200,"original":"https://assets.ing.com/m/4b2d7e252fcddbf1/original/YOUNG-WOMAN-USING-MOBILE-PHONE-WHILE-SITTING-AT-HOME.jpg","extension":"jpg"},"link":{"url":"/particulier/hypotheek/actuele-hypotheekrente/hypotheekrenteaftrek"}}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"Good to know","richBody":{"value":"<p>The English text of the website is a translation of the Dutch original version. This translation is intended for the customers convenience only. In case of any discrepancies between the two versions, the original Dutch version shall prevail. The mortgage offer and contract will be signed in Dutch. Also, all further communication after signing the mortgage contract will be in Dutch. You acknowledge and accept this. If any assistance or clarification is needed, we recommend contacting your mortgage advisor or to call our customer service via the ING app.</p>"}}]}}}