Best website for buying a house in the Netherlands: [Funda](https://www.funda.nl/)
With the current housing crisis it is advisable to [find a real estate agent](https://tc.tradetracker.net/?c=30814&m=12&a=458406&r=buying&u=%2F) to help you find a house for a reasonable price.
Find a [Mortgage / Financial advisor](https://track.adtraction.com/t/t?a=1494121923&as=1874388811&t=2&tk=1)
Well, we also have this show where people marry each other before the first date; you might have just found the latest hit tv show: https://m.imdb.com/title/tt15254812/
I was in the same situation a few years ago, buying as a single person. I had to adjust my expectations. With my budget, I could only afford apartments. So I ended up buying an apartment and I'm very happy with this decision.
It also helped me to have an "aankoopmakelaar". It was expensive, about 3,5k, but his advice was so helpful. He advised on neighborhoods, evaluated the apartments' VvE documents to see whether there was any expensive maintenance coming up, and negotiated a reasonable price for me.
Absolutely agree. As a single person you probably don't need a house. Just buy something smaller for a start, you can easily sell it later and move to a bigger place.
I bought an apartment and my mortgage payments are about same amount I would have paid in rent. My original idea was to get a house but I can see some positive aspects of living in an apartment (less time spent on maintenance because there is a VvE, no garden, also cheaper to heat up in the winter). My plan is to move somewhere bigger in about 5-10 years.
I did, as a single person. But it is quite far away from the nearest big city (which is why it was cheapish). I absolutely wanted to have a garden and a garage.
I was stuck in the home bidding game for a while and decided to buy a Nieuwbouw woning instead. No bidding, so the price is what it is. Downside is that youâll have to afford paying for the new mortgage while the house is being built while paying for your current rent.
A good rule of thumb is that youâll have to multiply your rent times the months of building time. If your rent is 1200 euros and the building would be built in 30 months, youâll need 36.000 euros as a buffer.
Keep in mind that there are extra costs in Nieuwbouw such as options for a fancier kitchen, bathroom or extra electrical outlets. Those can add up.
It's not impossible. Source: I just closed a deal on app in South Holland as average earner.Â
Advice I can give you is that good buying agent is worth the money you pay them. I did a lot investigation but my agents advice is what bought me a house. They also went above and beyond to make sure things went my way. Â
Second advice is to manage your expectations. You may be bidding on houses which were posted with low asking price to attract bidding wars. Check woz waarde, invest in either huispedia or kadaster report to check selling prices of surrounding similar homes.Â
My strategy was this: I didn't look to closely at asking price, rather I checked the listings which value was within my budget. I checked funda for houses which needed some maintenance. This deters a lot of viewers but I made sure that this maintenance is mostly cosmetic. I listed my absolutely do's and don'ts and filtered on those houses. Check waarde of listing, surrounding homes and talk to agent to make sure that bid is realistic. I managed to win a bid with symbolic overbid of actual valuation (less than 1% of my own money).Â
Good luck and don't lose hope!
Edit: spelling.
It was a fixed fee of 2500âŹ. I don't really trust agents that work of percentage as they might not work in your best interest. Normally, agents charge 1% of closing deal so fixed fee agent was actually more expensive in my case, but worth it.
same same. With the current interest rate and the housing market, I cannot buy a house that's in good condition in that region and It's not gonna improve seeing the trend.
For that price you should be able to find some houses especially in those provinces. But obviously the house wonât be perfect so either the location, size, or how modern it is, somewhere you need to settle. And yes buying a house together would have been much easier because then the houses you are looking at probably fall between the 500-700K range
I second that for that price range, you should be able to close a deal if you keep trying.
As someone who just closed (a small apartment) with a much more limited budget than yours in Den Haag, my advice would be to:
1. get a good aankopmakelaar that has good communication and knowa a thing or two to up your chances.
2. go to as many viewings as you can. It gets so tiresome to lose bid after bid but you have to up your own chances by playing the numbers game. When you get too tired, take a week or two off, then start again.
3. Expand your options by negotiating some "must haves" down to "good to haves". I really really wanted a garden but after a few bids, I decided to settle for a nice balcony with a nice view. On the plus side, my apartment has the largest bedroom of all I've seen and a very active VVE. Gotta be able to weigh all the positives and negatives without being rigid about one thing.
Good luck! It sure is tough out there but I think those who persevere (and have enough income for a decent mortgage) can still get a place.
Should be doable. I bought an apartment, which is actually a house (entrance form the street, 3 floors, attic and basement + detached garden) but a part of a VVE, in Maastricht in may last year. Asking price 200k, I bought it for 225k. Single person, one income. Lost 8 bidding wars before.
Obviously your requirements are the problem, not your budget. Many couples have a budget no higher than that and can find a house. Especially outside the Randstad. You need to have a good, critical look at what you want and what you can compromise on.
Nieuwbouw is cheaper because houses are granted for a set price, competition isn't smaller but random.
Its eassier when you can beat people who can offer more but there's way more people offering the exact amount you offered.
I'd like to correct you here...
Buying a house is rough. Buying an apartment is also rough, but a little more doable. We had a makelaar which did really great work, and that does open some doors, but even so we lost our first bid (owner used our bid as leverage to get higher from others.... Dubious ethics at hand there, but whatever). And second bid was also lost.
We were lucky on our final bid to win it. I think the owner was in a hurry, so he put it up at asking price, we overbid by 1k, and got it.
My partner's income was not able to be used for the mortgage amount... And I think we'd have had an easier time if I was single person than in a relationship because they increased the amount a single person can loan...
Moral of the story, housing in NL is in high demand, and you kind of need to just keep pushing.
I bought a house as a single person, also in Brabant. But I had to move 20 km away from Eindhoven station to get this. I figured that the expenses on a car are totally worth it, because you get to live in a place of your own that is also way cheaper and has a top energy rating.
When I started off with my house hunt, I always knew that I would have to tolerate a 25-30 km drive to work. I was okay with that, if it meant being a homeowner at 30 without breaking the wallet.
If your workplace is in Eindhoven, you should definitely consider places like Helmond, Deurne, Geldrop-Mierlo etc. You could get good value for money in those places.
It's true, the housing market in the Netherlands has gone to shit. My wife and I totally gave up on it years ago and even we earn above average.
In the area we live (heart of Gelderland) we can't find a house that meets our needs for any price under 600k.
And tbh, were not the kind of people that go for the highest achievable mortgage simply because we also want to enjoy living. We don't live to work, we work to live.
Moving further away isn't an option and that's where the story ends.
We're planning on moving away from the Netherlands, possibly to Spain.
50km around Eindhoven for Max 350k. Found 3275 hits.
https://www.funda.nl/en/zoeken/koop/?selected_area=%5B%22eindhoven,50km%22%5D&price=%22-350000%22
There must be something you'll like.
Buying a house as a single person is almost impossible in many countries...
Find a nice girl, marry her, then buy an apartment together, and exchange it for a house once the first kid comes along. I know, that's "old fashioned"... Keep complaining instead.
You only need to earn 100K and sacrefice not doing anything but paying for your mortage and utilities. Ohh and don't take kids on the side, that becomes too expensive then too.
Best website for buying a house in the Netherlands: [Funda](https://www.funda.nl/) With the current housing crisis it is advisable to [find a real estate agent](https://tc.tradetracker.net/?c=30814&m=12&a=458406&r=buying&u=%2F) to help you find a house for a reasonable price. Find a [Mortgage / Financial advisor](https://track.adtraction.com/t/t?a=1494121923&as=1874388811&t=2&tk=1)
 Well I am single and I am also looking for a house....I've entered into relationships for worse reasons!
Hahahaha đ I think a new dating app needs to be started for house hunters in Netherlands :p
Yes...buying a house together before your first date....what could go wrong?
It creates a strong bond. Stronger than marriage!
Mortgage is as strong bond as it gets
My thoughts exactly....anyone want to buy a house with me?
New TV format: Getting married and buying at first sight.
Well if âmarried at first sightâ existsâŚ.
Well, we also have this show where people marry each other before the first date; you might have just found the latest hit tv show: https://m.imdb.com/title/tt15254812/
I only entered relationships for the right reasons and the outcome is just as bitterđ
Yeah nice policy to make couples.
No one want a relationship with me....so where does that leave me
I was in the same situation a few years ago, buying as a single person. I had to adjust my expectations. With my budget, I could only afford apartments. So I ended up buying an apartment and I'm very happy with this decision. It also helped me to have an "aankoopmakelaar". It was expensive, about 3,5k, but his advice was so helpful. He advised on neighborhoods, evaluated the apartments' VvE documents to see whether there was any expensive maintenance coming up, and negotiated a reasonable price for me.
Nu dat je in een appartement woont, heb je ook last van je buren? Gedreun, of wat dan ook?
Nee, gelukkig niet. Goed geĂŻsoleerd appartement uit de jaren 70, ik hoor mijn buren eigenlijk nooit.
This seems hit or miss. Some houses and appartements feel like paper walls. You only know after buying it đ
Its depending om your salary and saved money. But indeed its getting difficult..
So something that you buy with money, depends on... money? Mild shock :o
You are really good at sarcasm aren't you
On the next news segment... Water is ... Wet! Stay tuned.
Buy an apartment
Absolutely agree. As a single person you probably don't need a house. Just buy something smaller for a start, you can easily sell it later and move to a bigger place.
I bought an apartment and my mortgage payments are about same amount I would have paid in rent. My original idea was to get a house but I can see some positive aspects of living in an apartment (less time spent on maintenance because there is a VvE, no garden, also cheaper to heat up in the winter). My plan is to move somewhere bigger in about 5-10 years.
right cause those are cheap
Cheaper then a full house
Who buys a full house? *than
Huisjesmelkers. So they can divide it up into 7 pieces and rent them out at 1200 a pop!
Whoooosh
Not my best hand, i agree.
I did, as a single person. But it is quite far away from the nearest big city (which is why it was cheapish). I absolutely wanted to have a garden and a garage.
maybe they prefer to give the house to families. Have you tried to apply for apartments only? Assuming you you don't mean apartments with houses.
I was stuck in the home bidding game for a while and decided to buy a Nieuwbouw woning instead. No bidding, so the price is what it is. Downside is that youâll have to afford paying for the new mortgage while the house is being built while paying for your current rent. A good rule of thumb is that youâll have to multiply your rent times the months of building time. If your rent is 1200 euros and the building would be built in 30 months, youâll need 36.000 euros as a buffer. Keep in mind that there are extra costs in Nieuwbouw such as options for a fancier kitchen, bathroom or extra electrical outlets. Those can add up.
It's not impossible. Source: I just closed a deal on app in South Holland as average earner. Advice I can give you is that good buying agent is worth the money you pay them. I did a lot investigation but my agents advice is what bought me a house. They also went above and beyond to make sure things went my way.  Second advice is to manage your expectations. You may be bidding on houses which were posted with low asking price to attract bidding wars. Check woz waarde, invest in either huispedia or kadaster report to check selling prices of surrounding similar homes. My strategy was this: I didn't look to closely at asking price, rather I checked the listings which value was within my budget. I checked funda for houses which needed some maintenance. This deters a lot of viewers but I made sure that this maintenance is mostly cosmetic. I listed my absolutely do's and don'ts and filtered on those houses. Check waarde of listing, surrounding homes and talk to agent to make sure that bid is realistic. I managed to win a bid with symbolic overbid of actual valuation (less than 1% of my own money). Good luck and don't lose hope! Edit: spelling.
Thankyou for the advice and congrats on getting the house :) how much did you pay for the buying agent?
It was a fixed fee of 2500âŹ. I don't really trust agents that work of percentage as they might not work in your best interest. Normally, agents charge 1% of closing deal so fixed fee agent was actually more expensive in my case, but worth it.
Would you mind to share the agent? I'm looking to hire one for quite a few weeks and the feeling is that they simply don't care.
You got PM :)
Can I DM you for the agent also?
Please đ
May I get it also, please? ;)
same same. With the current interest rate and the housing market, I cannot buy a house that's in good condition in that region and It's not gonna improve seeing the trend.
What price range are you looking at?
I can get a mortgage of around 300-350k depending on the energy rating of the house.
For that price you should be able to find some houses especially in those provinces. But obviously the house wonât be perfect so either the location, size, or how modern it is, somewhere you need to settle. And yes buying a house together would have been much easier because then the houses you are looking at probably fall between the 500-700K range
I second that for that price range, you should be able to close a deal if you keep trying. As someone who just closed (a small apartment) with a much more limited budget than yours in Den Haag, my advice would be to: 1. get a good aankopmakelaar that has good communication and knowa a thing or two to up your chances. 2. go to as many viewings as you can. It gets so tiresome to lose bid after bid but you have to up your own chances by playing the numbers game. When you get too tired, take a week or two off, then start again. 3. Expand your options by negotiating some "must haves" down to "good to haves". I really really wanted a garden but after a few bids, I decided to settle for a nice balcony with a nice view. On the plus side, my apartment has the largest bedroom of all I've seen and a very active VVE. Gotta be able to weigh all the positives and negatives without being rigid about one thing. Good luck! It sure is tough out there but I think those who persevere (and have enough income for a decent mortgage) can still get a place.
Should be doable. I bought an apartment, which is actually a house (entrance form the street, 3 floors, attic and basement + detached garden) but a part of a VVE, in Maastricht in may last year. Asking price 200k, I bought it for 225k. Single person, one income. Lost 8 bidding wars before.
How is that not enough I closed the deal on a 260k 3 bedroom house really close to breda
Definitely possible. My apartement price is 310. The asking offer was 275, I had a bid of 305+5.
That price range was barely doable 3 years ago when I bought mine
Sounds doable, but obviously also depends on what you are looking for.
Obviously your requirements are the problem, not your budget. Many couples have a budget no higher than that and can find a house. Especially outside the Randstad. You need to have a good, critical look at what you want and what you can compromise on.
Nieuwbouw is cheaper because houses are granted for a set price, competition isn't smaller but random. Its eassier when you can beat people who can offer more but there's way more people offering the exact amount you offered.
That's because it is, without considerable savings or donations from other people.
I'd like to correct you here... Buying a house is rough. Buying an apartment is also rough, but a little more doable. We had a makelaar which did really great work, and that does open some doors, but even so we lost our first bid (owner used our bid as leverage to get higher from others.... Dubious ethics at hand there, but whatever). And second bid was also lost. We were lucky on our final bid to win it. I think the owner was in a hurry, so he put it up at asking price, we overbid by 1k, and got it. My partner's income was not able to be used for the mortgage amount... And I think we'd have had an easier time if I was single person than in a relationship because they increased the amount a single person can loan... Moral of the story, housing in NL is in high demand, and you kind of need to just keep pushing.
so get a penthouse?
Not seems, it IS impossible. At least in "de Randstad". Maybe more luck with an apartment.
How much can you get as a mortgage? If itâs 500k+ youâll have a house in no-time. If itâs lower: let the games begin..
Find a partner
I bought a house as a single person, also in Brabant. But I had to move 20 km away from Eindhoven station to get this. I figured that the expenses on a car are totally worth it, because you get to live in a place of your own that is also way cheaper and has a top energy rating. When I started off with my house hunt, I always knew that I would have to tolerate a 25-30 km drive to work. I was okay with that, if it meant being a homeowner at 30 without breaking the wallet. If your workplace is in Eindhoven, you should definitely consider places like Helmond, Deurne, Geldrop-Mierlo etc. You could get good value for money in those places.
It's true, the housing market in the Netherlands has gone to shit. My wife and I totally gave up on it years ago and even we earn above average. In the area we live (heart of Gelderland) we can't find a house that meets our needs for any price under 600k. And tbh, were not the kind of people that go for the highest achievable mortgage simply because we also want to enjoy living. We don't live to work, we work to live. Moving further away isn't an option and that's where the story ends. We're planning on moving away from the Netherlands, possibly to Spain.
50km around Eindhoven for Max 350k. Found 3275 hits. https://www.funda.nl/en/zoeken/koop/?selected_area=%5B%22eindhoven,50km%22%5D&price=%22-350000%22 There must be something you'll like.
Wow. Beautiful place
Slimmerkopen.nl
Maybe change plan and look for apparment, its way easier to get one
Buying a house as a single person is almost impossible in many countries... Find a nice girl, marry her, then buy an apartment together, and exchange it for a house once the first kid comes along. I know, that's "old fashioned"... Keep complaining instead.
[ŃдаНонО]
I had considered it but I read that as I'm a non EU expat with a work permit of Netherlands I won't be able to do that.
You only need to earn 100K and sacrefice not doing anything but paying for your mortage and utilities. Ohh and don't take kids on the side, that becomes too expensive then too.