{"type":"document","data":{"id":"9357060a-6bfa-4cf8-8bea-6be95ee80682","localeString":"en-GB","publishDate":"2026-03-18T14:27:29.911+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Discover how Prinsjesdag 2026 impacts your mortgage, housing costs and sustainability options. Read about tax changes, NHG limits, transfer tax updates and benefits in 2026."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"On Prinsjesdag, which took place on 16 September 2025, several measures were announced that may affect your housing costs, mortgage options and possibilities for making your home more sustainable. We’ve listed the key points for you below.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/6e7d5ccf-51a6-4038-a375-cbe4a522f2b1/High-angle-of-folding-chairs-framing-a-large-ornate-chair","type":"image","width":4500,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/5998abebbf88aa77/original/High-angle-of-folding-chairs-framing-a-large-ornate-chair.jpg","extension":"jpg"},"title":"Prinsjesdag and your mortgage in 2026","subtitle":"What will change for you in 2026?"},"backLink":{"textLink":{"url":"/en/personal/mortgage","text":"Mortgage"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"The main changes at a glance"},{"componentType":"accordion","accordionList":[{"title":"Mortgage & taxation","richBody":{"value":"<ul><li><span><span><span><span><strong>Mortgage interest deduction:</strong> the deduction rate in the second bracket will be 37.56% from 2026.</span></span></span></span></li><li><span><span><span><span><strong>Imputed rental value (Eigenwoningforfait):</strong> a rate of 0.35% for a WOZ value up to <strong>€1,340,000</strong>; above that it is 2.35%.</span></span></span></span></li><li><span><span><span><span><strong>Hillen Act:</strong> the Hillen benefit will continue to be phased out. In 2026, approximately <strong>71.8%</strong> of the difference will be deductible.</span></span></span></span></li><li><span><span><span><span><strong>NHG (National Mortgage Guarantee):</strong> the current limit is <strong>€477,000</strong> (or <strong>€498,200</strong> when including energy saving measures). The final threshold for 2026 will be set later this year and may still change.</span></span></span></span></li><li><span><span><span><span><strong>Transfer tax:</strong> for first time buyers (aged 18–35), the exemption will apply up to a property value of <strong>€555,000</strong> in 2026. For buy- to-let or properties not used as a main residence, the 2026 transfer tax will be <strong>8%.</strong></span></span></span></span></li></ul>"}},{"title":"Housing market","richBody":{"value":"<ul><li><span><span><span><span><strong>Housing development:</strong> the housing shortage remains significant. That’s why the government is allocating <strong>over €900 million</strong> for housing development in 2026.</span></span></span></span></li><li><span><span><span><span><strong>Rental allowance:</strong> from 2026, households with a lower income who pay a higher rent (<strong>from €900.07</strong>, 2025 price level) will also be eligible for housing benefits.</span></span></span></span></li></ul>"}},{"title":"Sustainability","richBody":{"value":"<ul><li><span><span><span><span><strong>ISDE (Investment Subsidy for Sustainable Energy and Energy Saving):</strong> the scheme will continue, though the 2026 budget will be reduced to <strong>€509 million</strong>.</span></span></span></span></li><li><span><span><span><span><strong>Net metering scheme:</strong> the net metering scheme for solar panels will end on <strong>1 January 2027</strong>. In 2026, the scheme remains unchanged.</span></span></span></span></li><li><span><span><span><span><strong>Foundation repair:</strong> the Sustainable Foundation Repair Fund, which allows you to take out a loan for foundation repair, will receive a <strong>one off additional €20 million</strong> next year and will operate nationwide. The government does not currently plan to introduce a subsidy for foundation repairs.</span></span></span></span></li></ul>"}},{"title":"Purchase power & income","richBody":{"value":"<ul><li><span><span><span><span><strong>Purchasing power:</strong> average household purchasing power is expected to rise by around <strong>1.3%</strong>, mainly due to wage growth and lower inflation.</span></span></span></span></li><li><span><span><span><span><strong>Tax brackets:</strong> the threshold for the second income tax bracket (box 1) will increase to <strong>€79,137</strong> in 2026.</span></span></span></span></li><li><span><span><span><span><strong>Box 3:</strong> the tax‑free allowance will decrease to <strong>€59,357</strong> per person; the deemed return for other assets will rise to <strong>7.78%</strong>.</span></span></span></span></li><li><span><span><span><span><strong>Labour tax credit:</strong> the maximum labour tax credit will increase to <strong>€5,712</strong>, which means that work yields a little more net.</span></span></span></span></li></ul>"}}]},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>If you’d like to learn more about these plans, visit the <a href=\"http://www.rijksoverheid.nl/onderwerpen/belastingplan\">detailed explanation</a> on the Dutch government website.</span></span></span></p><p><small class=\"footnote\"><span><span><span>The Senate and the House of Representatives will review these proposals. If approved, they will usually come into effect on 1 January (2026).</span></span></span></small></p>"}},{"componentType":"linkList","iconTitle":{"title":"Mortgages"},"textLinks":[{"url":"/en/personal/mortgage/mortgage-calculator","text":"Calculate maximum mortgage"},{"url":"/particulier/hypotheek/actuele-hypotheekrente","text":"Current Mortgage Interest"},{"url":"/particulier/hypotheek/oversluiten","text":"Mortgage refinancing"},{"url":"/en/personal/mortgage/buying-a-house/buying-your-first-home/calculate-starters-mortgage","text":"Buying your first home"},{"url":"/particulier/hypotheek/huis-kopen/ander-huis-kopen/maximale-hypotheek","text":"Buying your next home"},{"url":"/particulier/hypotheek/jouw-hypotheek","text":"Your mortgage"},{"url":"/en/personal/mortgage/mortgage-types","text":"Mortgage forms"},{"url":"/en/personal/mortgage/sustainable-living","text":"Sustainable living"},{"url":"/en/personal/mortgage/mortgage-advice","text":"Mortgage advice"},{"url":"/en/personal/mortgage/advisory-fees","text":"Costs"},{"url":"/en/personal/mortgage/situation","text":"Situation"},{"url":"/en/personal/mortgage/property-services","text":"Property services"},{"url":"/en/personal/mortgage/contact","text":"Contact"}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle"},{"componentType":"cards","cards":[{"componentType":"linkList","iconTitle":{"title":"Mortgages"},"textLinks":[{"url":"/en/personal/mortgage/mortgage-calculator","text":"Calculate maximum mortgage"},{"url":"/particulier/hypotheek/actuele-hypotheekrente","text":"Current Mortgage Interest"},{"url":"/particulier/hypotheek/oversluiten","text":"Mortgage refinancing"},{"url":"/en/personal/mortgage/buying-a-house/buying-your-first-home/calculate-starters-mortgage","text":"Buying your first home"},{"url":"/particulier/hypotheek/huis-kopen/ander-huis-kopen/maximale-hypotheek","text":"Buying your next home"},{"url":"/particulier/hypotheek/jouw-hypotheek","text":"Your mortgage"},{"url":"/en/personal/mortgage/mortgage-types","text":"Mortgage forms"},{"url":"/en/personal/mortgage/sustainable-living","text":"Sustainable living"},{"url":"/en/personal/mortgage/mortgage-advice","text":"Mortgage advice"},{"url":"/en/personal/mortgage/advisory-fees","text":"Costs"},{"url":"/en/personal/mortgage/situation","text":"Situation"},{"url":"/en/personal/mortgage/property-services","text":"Property services"},{"url":"/en/personal/mortgage/contact","text":"Contact"}]}]}]}}}