{"type":"document","data":{"complementaryZone":{"flexComponents":[{"cards":[{"cardSize":"medium","cardType":"product","checkMarkList":["Always a fixed low fee","Taking control yourself","15 years of expertise"],"componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/8545701be8305ae/original/Young-man-wearing-orange-parka-in-front-of-old-orange-house.jpg","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},"intro":"Discover the benefits of Makelaarsland in a no‑obligation consultation:","link":{"url":"/en/personal/mortgage/makelaarsland"},"title":"Buying or selling a home"},{"cardSize":"medium","cardType":"product","componentType":"productCard","image":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/78cadcdae9640c7b/original/Young-boy-makes-gingerbread-house.jpg","transformBaseUrl":"https://assets.ing.com/transform/a861ad1d-0ac1-404a-a600-545c6f326c2e/Young-boy-makes-gingerbread-house","type":"image","width":7952},"intro":"With ING Home Services, you can easily arrange a reliable notary, appraiser, and structural inspection at a discounted rate.","link":{"url":"/en/personal/mortgage/property-services"},"title":"Tip: Home Services"}],"componentType":"cards"}]},"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Huis gekocht en ga je de koopovereenkomst tekenen; check deze tips!","robotInstruction":{"noFollow":false,"noIndex":false}},"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":[{"text":"Calculate your maximum mortgage","url":"/en/personal/mortgage/mortgage-calculator"},{"text":"Mortgage advice for expats","url":"/en/personal/mortgage/mortgage-advice"},{"text":"Mortgage step by step","url":"/en/personal/expats/mortgages/mortgage-step-by-step"},{"text":"Plan orientation meeting","url":"/en/personal/mortgage/contact"}]}]},"hasMacro":false,"id":"035917cb-cb97-455e-9cd7-ab4ae75c3b7a","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Buying a home","url":"/en/personal/mortgage/buying-a-house"}},"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":{"extension":"jpg","original":"https://assets.ing.com/asset/c70637c3-08c4-48fd-8c7c-2a75038083e6/Large_Web-and-Screen-Two-happy-people-laughs-and-sits-at-a-table-during-a-meeting.jpg","transformBaseUrl":"https://assets.ing.com/transform/c70637c3-08c4-48fd-8c7c-2a75038083e6/Large_Web-and-Screen-Two-happy-people-laughs-and-sits-at-a-table-during-a-meeting","type":"image","width":1920},"subtitle":"Binding after 3 days","title":"The (preliminary) purchase agreement"}},"publishDate":"2026-05-07T16:37:13.586+02:00"}}