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Position of housing markets

German Logo of the ECB.

German Logo of the ECB. (Photo credit: Wikipedia)

Begin this year publish CPB analysis of the consequences of the current financial position of Dutch banks in relation to the mortgage and housing markets and, following from that, for the current situation of the Dutch economy.

CPB Netherlands Bureau for Economic Policy Analysis to analyses the consequences of the current financial position of banks in relation to the mortgage and housing markets and, following from that, for the current situation of the Dutch economy. This study was to include both the economic and structural aspects of that relationship. CPB honors this request in so far as the questions can be answered on the basis of available expertise and research capacity. The conclusion is that the mortgage interest rates in the Netherlands, according to European Central Bank (ECB) statistics, are around 1% higher than in the surrounding countries.

For more information:


“Save the housing, build rental housing”

Even before the Romans give a good handle: would you buy a healthy housing market, build a lot of good rental housing.

media_xl_1661888To prevent housing prices explode once again, the buyer can also rent decently. Now remember him that choice, says Rik Smits.

“Si vis pacem, para bellum,” said the ancient Romans: if you want peace, prepare for war. As the Romans knew little else than war, we can translate that wisdom very well: look beyond your nose. For example, in the housing market, because the report of the committee Verhoeven we shoot no nose length: housing prices have exploded – we already knew, everyone counted himself rich – old hat, there was madness credit sought and given – yawn, municipalities and real estate sector played a semi-fraudulent pyramid scheme on any other costs – what else is new? And as icing on the cake: everyone participated and benefited, so everyone has debt.

The latter is not true, now join the millions of tenants who pay for the damage exceeds example, no blame. But a lie is so safe, because if everyone has debt, one is called to account. It is glass and pee: PvdA and VVD already turning their equally worn as irrelevant mantras, while the dogs of the media in a cozy corner along the tear moribund mortgage.

Anyway, in guilt and punishment a man can not live. So let’s have it specifically about how the housing market can come without the risk that the same misery again arises. Feet
Even before the Romans give a good handle: would you buy a healthy housing market, build a lot of good rental housing. This seems paradoxical, but it is not. Neoliberals have had and at one point an iron right: a market can only function in consumer choice. They forget convenience only often that it is essential to that freedom that belongs to the choice of purchase to see off. Not purchase is the safety valve that prevents price bubbles arise.

When something like ordinary bread that works fine. Is one baker too expensive, then we go to another, and they are all too expensive, then we eat a while brioche. Or Dad or nasi if necessary. That will prijsopdrijvers learn! But to live there, you can not even temporarily waive. Well of purchase.

Pressure relief valve
The indispensable stabilizing pressure relief valve of the homes for sale market is a large, high competitive rental market. But there is knowingly not expected willingly or unwillingly, people should buy. That is fifty years old, still fanatically pursued Hague houses jihad that has caused all current misery. But is such a viable rental market? Can you build modern, good affordable rental housing for the middle class in a profitable way? It appears so.

Builders say that they already have put 90 thousand euros. Reasonable house down with modern tools and techniques Let’s not do screwy and there, including some foreground (in an apartment that does little to be) for a nice not too large middle-class example of making 200 thousand euros. That money we fund the same amount for another thirty years. Calculation of the total 15 percent for management and maintenance, and suppose that we want as a landlord exactly like a regular buyer at the end of the ride home free possession.

Pure profit
From that moment, every penny that the house still yields by rental or sale almost pure profit. The situation as we reach the tenant who pays the costs incurred thirty years of acquisition and maintenance, or the difference between the costs incurred and the value of the house. In this case, that a total of 260 thousand euros, say and write representing a rent of 722 euros a month.

It’s not about that for a nice house very affordable 722 euros, but the idea. To the order. I like to let me explain by an expert why the previous reasoning miserably wrong, irresponsible and even dangerous. But until that time seems a good and extremely affordable priced rental market feasible. The only requirements are that good will in politics, not too crazy land speculation by municipalities and a little awareness of their core by the corporations that control the rental market.

Translate from the newspaper Volkskrant


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Once we have received your property search request, we will first search in our own housing stock to see if we can make an appropriate match.But even if there are no objects available in our listings that meet your requirements, we still are able to offer a solution. Take on NK Housing Real Estate as your exclusive representative and benefit from our wide network of housing. We know all other real estate agents in town and around.

NK Housing Real Estate, as licensed broker, has access to all professional databases and is able to select properties that do meet your requirements easily and very efficient. Furthermore, by using our service this way, you will have a specialised real estate agent on your side who knows the market very well, knows how to negotiate and who will provide personal attention. You will be guided in finding the best house, signing the right lease agreement. You will receive assistance during the check in and afterwards. For instance with transferring the energy bills to your name.

After the letter of intent is signed by both the landlord and the tenant the rental agreement will be drawn up by one of our Real Estate brokers and a check in appointment will be made.

At the check in NK Housing Real Estate will take care of the inspection report. This inspection report ensures that there will be no misunderstandings during the check out between landlord and tenant about the delivery at the end of the agreement.

For more information see also our website.

Amsterdam Turns Green

Nice spring pictures of Amsterdam


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These are some photos I took – via Instagram – in the last couple of days just walking down the street (you may find them all on Instagram if you search for #amsterdamming).
It is simply impossible not to be charmed by the delicate arrival of Spring in the city!

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Housing in the Netherlands

The Netherlands is very densely populated. There are more than 16 million inhabitants and this figure is expected to grow to 17 – 18 million people by 2030.  In 2010, there were more than seven million homes in the Netherlands.

Types of housing

  • Detached (Vrijstaand)
  • Semi-detached (Twee onder een kap)
  • Terraced/Town houses (Rijtjeshuis)

The most common type of dwelling is the terraced house.  This is a family home, two or three storeys high, with a front and back garden, adjoined by two, three or more identical homes. A standard Dutch house has two rooms in addition to the kitchen, living room, toilet and bathroom.

Most Dutch people live in urban areas, yet the limitation of space is putting pressure on rural areas too.  Many city dwellers would love to live amidst the water and the greenery of the countryside.  Since space is scarce in the Netherlands, many people live in low- or high-rise flats.
Due to a lack of information on the local property market, regulations, laws and technicalities, it is advisable for newcomers to use the services of an estate agent (makelaar), rather than trying to find a property by themselves.  This applies to both renting and buying properties and saves unnecessary costs that might be incurred on top of an agent’s commission.

Cost of housing

The cost of housing depends on the area and the size of the property. Most expats rent properties but some buy their homes.  Both options are available depending on your company relocation policy, income and the length of your stay. During the first quarter of 2010 the average house sold in the Netherlands for € 232,000.  This is an increase of 0.4% in comparison to the last quarter of 2009.  In the “Randstad” area (the area including and in between The Hague, Amsterdam, Utrecht and Rotterdam) housing is most expensive and Amsterdam is considered to be the most expensive city to live in.  Due to the constant shortage of new housing, the market remains tight. (**RED: the index of house price since 2010 is decreased with 13,2%)

Rent or buy?

There are several factors to consider when deciding whether to rent or buy a house in the Netherlands.  If you plan to stay in the Netherlands for a short period it may be more advisable to rent a property rather than buy one.  Here are two important reasons why it is better to rent:

  • The costs associated with buying amount to approximately 10% of the purchase price. You will have to make a 10% profit, if you do not want to lose money. Recovering that amount during a few years’ stay in the Netherlands can be difficult
  • You have to maintain your premises. Consider the costs incurred during the process of redecorating your new home.


The safest, most efficient way to find a rental property in the private market is to commission a real estate agent (makelaar) with experience in helping expats, to find one for you.


Information from: Access, serving the international community
and: Centraal Bureau voor Statistiek  (see **)