Calculator
What can you actually borrow?
A rough Dutch affordability indication. Drag the sliders and see the numbers shift. Fast, useful, indicative — not advice.
Your situation
All amounts in euros, gross per year.
Your gross annual income€85,000
€20,000€300,000
Partner's annual income€0
€0€300,000
Employment type
Property price€450,000
€150,000€1,500,000
Term30 yr
10 yr30 yr
Indicative rate4.2%
3.0%6.0%
Estimated maximum mortgage
€382,500
Based on a household income of €85,000 and your selected employment type.
Monthly payment
€1,870
LTV
85%
Total interest
€290,700
Tight — let's talk
Disclaimer.Results are indicative only, based on a 4–4.6× household income heuristic and an annuity repayment schedule. Real eligibility depends on contract type, BKR registration, the lender's underwriting model, and current rates. Not regulated mortgage advice.