Now
2025-09-14
We are currently deep in the process of finding an apartment in the Netherlands, and we’ve chosen Arnhem as our destination. On the one hand we’re excited; on the other, we’re feeling very discouraged. Housing prices are absurd—an apartment that sold for €150,000 in 2017 now lists for €320,000 or more.
And that’s just the asking price. We’ll still need to bid 5 %–10 % above it (as is typical) Oh. And pay for the following:
| Item | Amount | Tax Deductible / Refund (~37.5%) |
|---|---|---|
| Notary (deed of ownership) | €1,000 | ~€375 refund |
| Mortgage advice & mediation | €2,200 | ~€825 refund |
| Appraisal | €600 | ~€225 refund |
| Structural inspection | €500 | Not deductible |
| Buying agent | €3,000 | Not deductible |
| National Mortgage Guarantee (NHG) | €1,800 | ~€675 refund |
| Total estimated buyer’s costs | €9,100 | ~€2,100 refund |
This does not include the 2 % transfer tax, which I’m exempt from because I’m a first‑time buyer under 35.
So, a lot of money 💸.
But we’re staying positive! Given everything else happening in the world, this is a luxury problem.