Higher mortgage rates reduce affordability for first-time buyers and slow down the housing market, with the existing homes market adjusting differently from the new-build sector.
"},"textLinks":[{"text":"23 October 2026","url":"/zakelijk/economie/woningmarkt/hogere-hypotheekrente-raakt-bestaande-bouw-vooral-via-prijzen-nieuwbouw-via-volumes"}],"title":"Higher mortgage rates hit existing homes mainly through prices, and new-build homes through sales volumes"},{"componentType":"paragraph","richBody":{"value":"The growing supply of homes is giving buyers more choice, but it is still insufficient to significantly ease market pressures or trigger a nationwide decline in house prices
"},"textLinks":[{"text":"30 September 2026","url":"/zakelijk/economie/woningmarkt/woningaanbod-en-hypotheekrentes-lopen-op-maar-prijsdalingen-blijven-voorlopig-uit"}],"title":"Housing supply and mortgage rates are rising, but house price falls remain unlikely for now"},{"componentType":"paragraph","richBody":{"value":"The outlook for the new-build market is moderate. Sales are being held back mainly by temporary demand-side factors, while risks on the supply side are increasing.
"},"textLinks":[{"text":"18 June 2026","url":"/zakelijk/economie/woningmarkt/nieuwbouwkoopmarkt-zakt-in-door-rente-onzekerheid-en-ruimer-bestaand-aanbod"}],"title":"The new-build housing market is slowing due to higher interest rates, uncertainty and a stronger supply of existing homes."},{"componentType":"paragraph","richBody":{"value":"Higher interest rates are mainly affecting first-time buyers. The overall impact on the housing market remains limited for now, although risks are more pronounced in urban areas and in the new-build segment.
"},"textLinks":[{"text":"26 March 2026","url":"/zakelijk/economie/woningmarkt/midden-oostenoorlog-duwt-hypotheekrente-omhoog-woningmarkt-blijft-vooralsnog-overeind"}],"title":"Middle East Conflict pushing up mortgage rates, housing market holding up for now"}],"title":{"value":"House prices and home sales
"}}],"componentType":"actionAccordion"},{"actionAccordionList":[{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/5ff1f9245a34e532/original/Loans_goals-Garden_Outline.svg","publishedAt":"2022-07-04T12:46:20Z","transformBaseUrl":"https://assets.ing.com/transform/084d1446-655b-4620-80b6-b535efb565a9/Loans_goals-Garden_Outline","type":"image","updatedAt":"2023-12-21T14:35:48Z","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Two‑thirds of homeowners have made their homes more sustainable in recent years. Higher‑income households did so more often than lower‑income households. Solar panels were the most popular measure, particularly among higher incomes.
"},"textLinks":[{"text":"9 October 2025","url":"/zakelijk/economie/woningmarkt/verschil-in-verduurzaming-koopwoningen-tussen-inkomensgroepen-neemt-toe"}],"title":"Energy efficiency of owner-occupied homes varies across income groups"},{"componentType":"paragraph","richBody":{"value":"Additional measures are needed to accelerate the sustainability of homes in order to meet statutory climate targets.
"},"textLinks":[{"text":"1 November 2024","url":"/zakelijk/economie/woningmarkt/herverdelingseffecten-verduurzamingsnorm-woning-minder-nadelig-voor-lage-inkomens-dan-gasbelasting"}],"title":"Redistribution effects of sustainability standards less negative for low incomes than gas tax"},{"componentType":"paragraph","richBody":{"value":"In the first quarter of this year, the estimated added value of a home with energy label A+ or higher, compared with an identical home with energy label G, was 23%.
"},"textLinks":[{"text":"19 April 2024","url":"/zakelijk/economie/woningmarkt/meerwaarde-energiezuinige-woning-flink-toegenomen"}],"title":"Added value of energy-efficient homes has increased significantly"},{"componentType":"paragraph","richBody":{"value":"Climate change and climate policy create additional costs for homeowners. Some households will need support to adapt their homes.
"},"textLinks":[{"text":"21 February 2024","url":"/zakelijk/economie/woningmarkt/kosten-klimaatbestendige-woningmarkt-voorlopig-beheersbaar-maar-tweedeling-ligt-op-de-loer"}],"title":"Costs of a climate-resilient housing market manageable for now, but risk of inequality remains"}],"title":{"value":"Making the housing stock more sustainable
"}}],"componentType":"actionAccordion"},{"actionAccordionList":[{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/6c2465a2e1603f5f/original/Feedback-Light_Bulb_Outline.svg","publishedAt":"2022-07-04T13:36:06Z","transformBaseUrl":"https://assets.ing.com/transform/e2274273-96dc-48a1-9c2c-17f9311aed5e/Feedback-Light_Bulb_Outline","type":"image","updatedAt":"2023-12-21T16:10:32Z","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Over the past 10 years, the proportion of Dutch higher education students living away from home has fallen from 53% in the 2015/2016 academic year to 43% in the most recent academic year.
"},"textLinks":[{"text":"4 September 2026","url":"/zakelijk/economie/woningmarkt/minder-aanbod-en-hogere-huren-houden-studenten-langer-thuis"}],"title":"Limited supply and higher rents keep students living at home for longer"},{"componentType":"paragraph","richBody":{"value":"Over the past four years, the number has fallen from around 17,500 to 10,700. While the Dutch government has announced measures, reversing this downward trend will be challenging.
"},"textLinks":[{"text":"14 April 2026","url":"/zakelijk/economie/woningmarkt/steeds-minder-woningtransformaties-door-afgenomen-financiele-haalbaarheid"}],"title":"Fewer housing conversions as financial viability declines"},{"componentType":"paragraph","richBody":{"value":"Middle‑income households struggling to find a home are ultimately best helped by reducing the housing shortage. This requires measures that speed up housing construction. Planned extensions to existing rent regulation are expected to have the opposite effect.
"},"textLinks":[{"text":"4 June 2024","url":"/zakelijk/sector/real-estate/direct-verlagen-van-hoge-huren-lost-het-woningtekort-niet-op"}],"title":"Cutting high rents won’t solve the housing shortage"},{"componentType":"paragraph","richBody":{"value":"The Dutch housing market is difficult to access, creates wealth inequality and is volatile. A redesign of housing policy can help address these structural issues.
"},"textLinks":[{"text":"16 June 2022","url":"/zakelijk/economie/woningmarkt/economisch-perspectief-op-grondige-renovatie-woningmarkt"}],"title":"Economic perspective on a thorough renovation of the housing market"}],"title":{"value":"Housing and housing market policy
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