{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"See at a glance what changes when you move from renting to owning your home.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"7 things that are new to you"},{"componentType":"paragraph","richBody":{"value":"

There’s a first time for everything. That’s why you’ll find an easy overview of what changes when you move from a rental property to a home you own.

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OK, you may have done this before, but a quick refresher never hurts.

Usually you need to return your rental home in the same condition as when you first moved in. This is described in the initial inspection report. It lists any defects or issues that were already present in the property.

You and your landlord signed this inspection report when you signed your rental agreement.

"},"textLinks":[{"text":"Everything about your rights and obligations when handing over a rental home (in Dutch)","url":"https://www.juridischloket.nl/wonen-en-buren/huurwoning/huurwoning-opleveren/"}],"title":"Handing over your rental home"},{"richBody":{"value":"

This is how you insure the building itself (your home). As a homeowner, you’re required to take out Buildings Insurance.
This is different from Home Contents Insurance, which covers your belongings in case of damage or theft.

"},"textLinks":[{"text":"View Buildings Insurance","url":"/en/personal/insurances/home-insurance/building-insurance"},{"text":"Calculate your premium","url":"/en/personal/insurances/home-insurance/apply-for-home-insurance"}],"title":"Buildings Insurance"},{"richBody":{"value":"

Are you moving into a flat or apartment? Then you’ll usually pay a monthly contribution to the Homeowners’ Association (HoA). Make sure to check in advance what the HoA covers. For example: if your HoA already has Buildings Insurance for the entire building, you won’t need to arrange your own.

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As a homeowner, you may be eligible for Mortgage Interest Tax Relief. This means you can deduct the interest you pay on your mortgage from the income on which you pay tax. There are, of course, conditions (in Dutch).

Tip: Are you entitled to a tax refund? You can choose to receive it monthly or once a year (in Dutch).

"},"textLinks":[{"text":"More information about Mortgage Interest Tax Relief (in Dutch)","url":"https://www.belastingdienst.nl/wps/wcm/connect/nl/koopwoning/content/hypotheekrente-aftrekken"}],"title":"Mortgage Interest Tax Relief"},{"richBody":{"value":"

Besides mortgage interest, certain one-off and recurring costs related to your mortgage may also be tax-deductible. For example, the costs you paid when taking out your mortgage.

"},"textLinks":[{"text":"More information about deductible costs (in Dutch)","url":"https://www.belastingdienst.nl/wps/wcm/connect/nl/koopwoning/content/eigen-woning-aftrekbare-kosten"}],"title":"Tax-deductible homeownership costs"},{"richBody":{"value":"

Each year, you must add this amount to your taxable income in your tax return. The Dutch Tax Administration calculates this amount for you.

"},"textLinks":[{"text":"More information about the notional rental value (in Dutch)","url":"https://www.belastingdienst.nl/wps/wcm/connect/nl/koopwoning/content/hoe-werkt-eigenwoningforfait"}],"title":"Notional rental value (Eigenwoningforfait)"},{"richBody":{"value":"

Are you moving into your new home together? We don’t like to think about it, but you or your partner could unexpectedly pass away.
What happens to your mortgage and your ability to stay in your home, if one of you is no longer there?

Take a moment to read what you can already arrange now.

"},"textLinks":[{"text":"Your mortgage after you die","url":"/en/personal/mortgage/mortgage-and-loss-of-life"}],"title":"The part you’d rather not think about, but is important"}],"componentType":"accordion"},{"cardsList":{"cards":[{"body":"Want to know what you can offer on your first home? Start by calculating your maximum mortgage.","cardSize":"small","cardType":"article","componentType":"articleCard","image":{"altTextEN":"Home","altTextFR":"Maison","altTextNL":"Huis","extension":"png","original":"https://assets.ing.com/asset/78f2f03c-e470-4211-9f91-b0e95d62c2a1/Batibouw-money-home.png","transformBaseUrl":"https://assets.ing.com/transform/78f2f03c-e470-4211-9f91-b0e95d62c2a1/Batibouw-money-home","type":"image","width":400},"link":{"url":"/en/personal/mortgage/buying-a-house/buying-your-first-home/calculate-starters-mortgage"},"title":"What can I borrow?"},{"body":"Buying your first home in 5 steps. We explain each step, so as a first‑time buyer you won’t miss a thing.","cardSize":"small","cardType":"article","componentType":"articleCard","image":{"extension":"svg","original":"https://assets.ing.com/asset/52f6164a-bb0e-4644-a6e8-b4046c5df13c/handinspectinghousesmagnifyingglassnopadding.svg","transformBaseUrl":"https://assets.ing.com/transform/52f6164a-bb0e-4644-a6e8-b4046c5df13c/handinspectinghousesmagnifyingglassnopadding","type":"image","width":0},"link":{"url":"/en/personal/mortgage/buying-a-house/buying-your-first-home/step-by-step-guide-to-buying-your-first-house"},"title":"Buying a home: what’s involved?"},{"body":"That means you may be able to borrow a little less. But even with a student loan debt, you can still get a mortgage.","cardSize":"small","cardType":"article","componentType":"articleCard","image":{"extension":"svg","original":"https://assets.ing.com/asset/2b7ad55a-7468-4cb9-b088-09b27f46c59e/mortarboardhateducationnopadding.svg","transformBaseUrl":"https://assets.ing.com/transform/2b7ad55a-7468-4cb9-b088-09b27f46c59e/mortarboardhateducationnopadding","type":"image","width":128},"link":{"url":"/en/personal/mortgage/buying-a-house/buying-your-first-home/student-loan-debt"},"title":"Graduated, with a student loan debt?"},{"body":"The key pros and cons at a glance. Think carefully about what matters to you, now and in the future.","cardSize":"small","cardType":"article","componentType":"articleCard","image":{"extension":"svg","original":"https://assets.ing.com/asset/94ba97f6-a5af-42d1-a8e9-93de9cbccd9c/doubtfulexpressionnopadding.svg","transformBaseUrl":"https://assets.ing.com/transform/94ba97f6-a5af-42d1-a8e9-93de9cbccd9c/doubtfulexpressionnopadding","type":"image","width":128},"link":{"url":"/en/personal/mortgage/buying-a-house/buying-your-first-home/rent-or-buy"},"title":"Rent or buy?"},{"body":"All the essential information you need to buy your first home, in one place. This is where your house-hunting journey begins.","cardSize":"small","cardType":"article","componentType":"articleCard","image":{"extension":"svg","original":"https://assets.ing.com/asset/813d8f4b-036b-476d-a8ff-ecc4f266a721/Arrows-Arrow_Circle_Left_Filledin.svg","transformBaseUrl":"https://assets.ing.com/transform/813d8f4b-036b-476d-a8ff-ecc4f266a721/Arrows-Arrow_Circle_Left_Filledin","type":"image","width":24},"link":{"url":"/en/personal/mortgage/buying-a-house/buying-your-first-home"},"title":"Back to overview"}],"componentType":"cards"},"componentType":"horizontalCardsList","link":{"url":"/en/personal/mortgage/buying-a-house/buying-your-first-home/homepage-starters"},"title":"Buying your first home"},{"componentType":"linkList","iconTitle":{"title":"Useful information when buying your first home"},"linkListCTA":{"textLink":{"text":"Back to overview","url":"/en/personal/mortgage/buying-a-house/buying-your-first-home"}},"textLinks":[{"text":"Calculate your maximum mortgage","url":"/en/personal/mortgage/buying-a-house/buying-your-first-home/calculate-starters-mortgage"},{"text":"Current mortgage interest rates","url":"/en/personal/mortgage/current-mortgage-rates"},{"text":"Everything about new-build homes","url":"/en/personal/mortgage/newbuild"},{"text":"Mortgage types","url":"/en/personal/mortgage/mortgage-types"},{"text":"Mortgage advice","url":"/en/personal/mortgage/mortgage-advice"},{"text":"Contact","url":"/en/personal/mortgage/contact"},{"text":"Energy label and mortgage interest rate","url":"/en/personal/mortgage/current-mortgage-rates/the-energy-label-and-your-mortgage-interest-rate"},{"text":"Buyer’s costs","url":"/en/personal/mortgage/buyers-costs"}]}]},"hasMacro":false,"id":"b6544615-dceb-4c89-a729-c63eba77e24b","legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"

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.

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