The amount one can get for a mortgage depends on various factors including income, debt, deposit size, credit score, and local regulations. In the Netherlands in 2025, for example, the maximum mortgage amount under the National Mortgage Guarantee (NHG) is €450,000 for standard homes, but can go up to €461,100 if energy-efficiency measures are included. Generally, lenders consider your debt-to-income ratio, credit score, and down payment amount. Typically, you need a minimum deposit of about 5%, with 10% or more improving your mortgage deal options. Lenders often require that your mortgage payments do not exceed around 28% of your pre-tax income, and your total debt payments should be under 36% of your income. For more precise figures, mortgage calculators and discussions with lenders or brokers are recommended to get an estimate tailored to individual circumstances and local rules. Here are some key points summarized:
- In the Netherlands (2025):
- Maximum NHG-backed mortgage up to €450,000 normal, €461,100 with energy efficiency.
- NHG fee reduced to 0.4% of the mortgage amount.
- Minimum deposit usually 5%, but 10-20%+ improves rates.
- Lenders typically require housing costs under 28% of income and total debts under 36%.
- Credit score and employment status affect borrowing capacity.
- Use calculators or brokers for individual estimates.
If the question refers to another country or a personal situation, please specify for tailored details. This covers the general approach and Dutch specifics for 2025 mortgage limits and eligibility.
