{"type":"document","data":{"id":"035917cb-cb97-455e-9cd7-ab4ae75c3b7a","localeString":"en-GB","publishDate":"2026-03-09T13:46:33.032+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Huis gekocht en ga je de koopovereenkomst tekenen; check deze tips!"},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"The decision has been made, your offer has been accepted. Congratulations! Now there are quite a few things to arrange, starting with the preliminary purchase agreement. Read carefully what comes next, because despite the name, it is a legally binding document. As the buyer, you do have a statutory 3‑day cooling‑off period during which you may withdraw from the purchase without giving any reason","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/82d36e9d-295c-438c-9038-03e4281b41b5/Man-laughing-at-desk-with-coworkers","type":"image","width":5700,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/420462bebca23928/original/Man-laughing-at-desk-with-coworkers.jpg","extension":"jpg"},"title":"The (preliminary) purchase agreement","subtitle":"Binding after 3 days"},"backLink":{"textLink":{"url":"/en/personal/mortgage/buying-a-house","text":"Buying a home"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"1. Preliminary purchase agreement: what does it include?"},{"componentType":"paragraph","richBody":{"value":"<ul><li>The details of the seller(s) and of you/the buyers</li><li>The price you will pay for the home (the purchase price)</li><li>When you can move in (the transfer date)</li><li>Payment arrangements, such as a deposit</li><li>Contingency clauses that allow you to withdraw from the purchase</li></ul>"}},{"componentType":"sectionTitle","title":"2. Contingency clauses"},{"componentType":"paragraph","richBody":{"value":"<p>You can include various contingency clauses in the agreement. For example:</p><ul><li>Subject to financing, if you’re not sure whether your mortgage will be approved</li><li>Subject to the results of a structural inspection, because you want to be certain there are no defects the sellers haven’t disclosed</li></ul>"}},{"componentType":"sectionTitle","title":"3. Inventory"},{"componentType":"paragraph","richBody":{"value":"<p>If the seller leaves items behind or takes certain items with them, these will be listed separately. You’ll make separate price agreements for these items.</p>"}},{"componentType":"sectionTitle","title":"4. Arranging your mortgage financing"},{"componentType":"paragraph","richBody":{"value":"<p>Agree on having at least 4 to 6 weeks to arrange your mortgage. Want to speak to a mortgage advisor quickly? When <a data-type=\"internal\" href=\"/en/personal/mortgage/contact/book-appointment\">scheduling the appointment</a>, let them know that you’ve just bought a home.</p><p>During this period, you’ll also have the property appraised: what is it worth? The mortgage lender uses the appraised value to determine how much they are willing to lend. The appraisal must be carried out by a firm affiliated with the Dutch Appraisal and Validation Institute (Stichting Taxaties en Validaties)</p>"}},{"componentType":"sectionTitle","title":"5. Selecting a notary"},{"componentType":"paragraph","richBody":{"value":"<p>As the buyer, you choose the notary where you will later sign the purchase deed and the mortgage deed</p>"}},{"componentType":"sectionTitle","title":"6. Arranging a bank guarantee"},{"componentType":"paragraph","richBody":{"value":"<p>If you decide not to buy the home after the 3‑day cooling‑off period and you cannot rely on any contingency clauses, you will usually have to pay 10% of the purchase price, the deposit. Since you likely won’t have that amount available in your account, you’ll need a bank guarantee from your mortgage lender. This does come at a cost: roughly 1% of the deposit amount. Ask your mortgage advisor to arrange this immediately during the mortgage consultation.</p>"}},{"componentType":"linkList","iconTitle":{"title":"More information"},"textLinks":[{"url":"/en/personal/mortgage/mortgage-calculator","text":"Calculate your maximum mortgage"},{"url":"/en/personal/mortgage/mortgage-advice","text":"Mortgage advice for expats"},{"url":"/en/personal/expats/mortgages/mortgage-step-by-step","text":"Mortgage step by step"},{"url":"/en/personal/mortgage/contact","text":"Plan orientation meeting"}]}]},"complementaryZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Buying or selling a home","intro":"Discover the benefits of Makelaarsland in a no‑obligation consultation:","image":{"transformBaseUrl":"https://assets.ing.com/transform/28d174cd-e282-40a1-8ae3-580e518bcc4c/Young-man-wearing-orange-parka-in-front-of-old-orange-house","type":"image","width":3600,"original":"https://assets.ing.com/m/8545701be8305ae/original/Young-man-wearing-orange-parka-in-front-of-old-orange-house.jpg","extension":"jpg"},"link":{"url":"/en/personal/mortgage/makelaarsland"},"checkMarkList":["Always a fixed low fee","Taking control yourself","15 years of expertise"]},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Tip: Home Services","intro":"With ING Home Services, you can easily arrange a reliable notary, appraiser, and structural inspection at a discounted rate.","image":{"transformBaseUrl":"https://assets.ing.com/transform/a861ad1d-0ac1-404a-a600-545c6f326c2e/Young-boy-makes-gingerbread-house","type":"image","width":7952,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/78cadcdae9640c7b/original/Young-boy-makes-gingerbread-house.jpg","extension":"jpg"},"link":{"url":"/en/personal/mortgage/property-services"}}]}]}}}