What does the Netherlands think of the current mortgage loan interest rate?


Commissioned by Bank, market research institute GfK has carried out a mortgage survey among 1,200 Dutch people with a mortgage.

The survey shows that four in ten Dutch people with a mortgage find their own mortgage rates low or very low. Three-quarters of that group do not pay 3 percent mortgage interest. In addition, one third of the requested interest rates are (very) high. 83 percent of this group pay at least 4 percent interest.

Transfer mortgage

Of the people who have taken out a mortgage four years or more ago, and now find their interest high or very high, 46 percent have decided not to close the mortgage and 15 percent plan to do so. In addition, 16 percent has not yet taken a decision and has not yet considered the rest. Among the group of respondents, who find their own mortgage rates (very) low, a third party has already locked up the mortgage.


As a mortgage owner, do you now have money left if you do not transfer your mortgage? That is not necessarily the case, according to Anton Bosch, director of Mortgages at Bank. “Let us be especially careful here. A mortgage is not just the interest you pay. ‘ At the moment the mortgage interest rate is low: on average it is around 2.3 percent. ‘But,’ says Bosch, ‘also look at the possible drawbacks of a new loan, such as other conditions and additional costs.’

Do you want to know the benefits of having your mortgage transferred to you? We would like to bring you in contact with an independent mortgage advisor in your area who can tell you all about this.

Why change?

For almost half (45 percent) of people who have taken out a mortgage in the last two years, lower monthly expenses were the main reason for doing so. Almost a quarter wanted to profit mainly from a lower mortgage rate. Four in five people of this group have taken out a mortgage with another provider. A quarter are afraid that switching will yield little or nothing. Furthermore, 22 percent said they would not want to close because of the penalty interest they had to pay in the event of an early repayment of the mortgage. In the latter case it can still be beneficial to switch over if the lower monthly costs of a new mortgage can compensate the costs for the transfer.

How long the current interest rate remains low is the question. At a certain moment the interest rate will rise again. When exactly, no one can say. An independent mortgage adviser in your area can tell you more about this.



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