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Mortgages for the self-employed. Taking out fully a home loan as being a self-employed expert

Dienstag, März 10th, 2020

Mortgages for the self-employed. Taking out fully a home loan as being a self-employed expert

Determine your alternatives for a home loan for the self-employed expert

When you yourself have been self-employed for at the least 12 months and are usually in search of your ideal house to purchase, it is possible to make an application for a home loan with ABN AMRO. You may additionally be entitled to the Dutch National Mortgage Guarantee (NHG). Determine your optimum mortgage (in Dutch) now according to your yearly numbers. Or call us.

Calculate your optimum mortgage as being a self-employed professional

The typical earnings you created through the years you have got worked will likely be accustomed calculate your optimum mortgage. This is certainly called your qualifying earnings. In case your income into the past 12 months is less than this average, we are going to base our calculations from the reduced quantity. Even although you only have been self-employed for just one 12 months, your revenue will likely be within the calculation at 75per cent, and you will consequently just just simply take down a home loan with us.

Your revenue additionally the optimum quantity you are able to borrow

With and without Dutch National Mortgage Guarantee (NHG)

No. Of years self-employed Qualifying income without NHG, as much as 100percent associated with purchase sum income that is qualifying NHG, as much as 100percent of this purchase amount and optimum of € 265,000
1 – two years 75% of one’s earnings from self-employment in the earlier twelve months ( or even the prognosis in case it is reduced). 100% of one’s typical earnings from compensated work and self-employment in the last 36 months (provided that your overall income fits the typical earnings). (mehr …)