More and more expats are choosing not to rent, but to buy a home in the Netherlands. Buying a house can be attractive due to the high rental prices. However, there are specific rules and points of attention for expats when purchasing a home.
AtArslan Advocatenwe regularly assist expats in buying a home in the Netherlands. We ensure that your rights are protected and that you are not faced with any unpleasant surprises.
Can an expat buy a home in the Netherlands?
Yes, expats are allowed to buy a home in the Netherlands, regardless of their nationality. However, there are additional points of attention:
Mortgage provision: banks sometimes apply stricter conditions for expats.
Residence status: expats with a temporary contract or residence permit do not always receive full financing.
Tax advantage: expats who use the 30% ruling can still deduct mortgage interest under certain conditions.
Legal guidance: the purchasing process in the Netherlands is strictly regulated through purchase agreements and notarial deeds.
Step-by-step plan for buying a home
Arranging financing– make an inventory of how much you can borrow and under what conditions.
Make an offer– often with resolutive conditions (financing, building inspection).
Sign purchase agreement– you can change your mind within 3 days after signing.
Notarial deed and registration– the transfer is officially arranged at the notary.
Land registry registration– the house is officially registered in your name.
Practical examples
Example 1: An expat from India wanted to buy an apartment in The Hague. The bank imposed additional requirements because his residence permit was temporary. After legal advice, the mortgage was still granted, with a guarantee by the employer.
Example 2: An expat from the US bought a home in Amsterdam, but later discovered that there were leasehold conditions. Thanks to legal intervention, a renegotiation with the municipality was achieved.
Example 3: An expat from Spain signed a purchase contract without a building inspection. When defects later appeared, he had to incur high costs. With our help, part of the damage was still recovered from the seller.
Checklist for expats who want to buy a home
📑 Have youremployment contract and residence statuschecked before applying for a mortgage.
💶 Check whether you can getmortgage interest deductiondespite the 30% ruling.
📜 Read thepurchase agreement and leasehold conditionscarefully.
🛠️ Always have astructural inspectioncarried out.
⚖️ If you have any doubts about legal pitfalls, contact a lawyer.
Why Arslan Advocaten?
Experience withpurchasing processes for expats
Guidance withmortgage conditions and legal documents
Support in disputes with sellers or notaries
Clear explanation in understandable language
FAQ about purchasing a home as an expat
1. Can I buy a house as an expat without a residence permit?
Yes, ownership is allowed. But without a residence permit, financing can be difficult.
2. Can I get mortgage interest deduction with the 30% ruling?
Yes, in most cases, as long as you are tax resident in the Netherlands.
3. How much of my own money do I need as an expat?
Banks often require expats to contribute more of their own money than Dutch employees.
4. Can I buy leasehold-free?
Yes, but in cities such as Amsterdam and Rotterdam, leasehold constructions are common. Always check this.
5. Does legal guidance cost me extra as an expat?
No, atArslanAdvocaten we charge fixed and transparent rates.