I intend to buy a house and take out a mortgage in 2021
Are you buying a house in 2021 and/or taking out a (new) mortgage? Then the following changes are important for you.
1. Transfer tax exemption
For buyers under 35 years of age, this is the best news: if you meet the right criteria, you will not have to pay any transfer tax as of this year. That makes a considerable difference to your wallet.
2. NHG threshold raised to € 325,000
Do you want to buy a house with a Nationale Hypotheek Garantie (in short NHG)? In 2021 you can do so on homes with a purchase price up to € 325,000. In 2020, this was still € 310,000.
3. Second income is given more weight
Good news for couples: from 2021, the second incomes of dual-income couples carry more weight when calculating your maximum mortgage. It will go up from 80% to 90% as of this year.