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Real Estate in Netherlands | Expat Exchange
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Real Estate in The Netherlands

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By Joshua Wood, LPC

Last updated on Mar 05, 2024

Summary: An expat looking to buy a home in the Netherlands should begin by researching the local housing market and familiarizing themselves with the different types of properties available. They should also consider their budget and the type of property they are looking for. It is also important to research the local area and the amenities available in the area. Foreigners are allowed to buy property in the Netherlands, however, they must obtain a permit from the Dutch government before they can purchase a property. Houses in the Netherlands typically include amenities such as central heating, double glazing, and a garden. Some houses may also include a garage, balcony, or terrace.

How do I find a place to live in The Netherlands?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"Finding a place to live in The Netherlands can be a daunting task. To start, you will want to consider your budget, desired area, and amenities that you would like in a home. Then, you can begin your search by looking online or through your local real estate agents. You also may want to consider furniture rental service companies like IKEA, which offer rental furniture packages and monthly rental payment plans. Additionally, there are housing agencies and websites, like Expatica, that can help match you with a property. Finally, when it comes to signing a contract, it is advisable to consult a lawyer to ensure that all terms are legitimate and in your favor," remarked one foreigner who made the move to Netherlands.

"I signed up with an estate agent. Several times a week I had to call them and sign up to see apartments. They only allow 8 people to see any one place, so the process is competitive. In the end, I befriended one of the agents and he helped me secure a place. I paid a one month's finder's fee. In terms of choosing neighborhood, I asked friends and colleagues. I luckily already lived in the Netherlands, just in another city. So I asked friends who already lived here where I should look. Finding someone who knows the city is key in Rotterdam. The difference between a good and bad neighborhood can be one street," explained one person living in Rotterdam, Netherlands.

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What is a typical expat home or apartment like in The Netherlands?

"I live in a small flat. I have a large bedroom, a small open kitchen/living room, and a shower/toilet with no sink--so I have to use the kitchen sink. I consider this very below standards in the U.S. I did have to buy my own oven, refrigerator, and washing machine. Likewise, I had to carpet the place. To leave the floors bare was not an option--it was not a nice wood floor but more like construction material. This is pretty normal here, however, so getting the household items is easy and not too expensive," said one person in Rotterdam.

"A typical expat home or apartment in The Netherlands usually has an open-plan living area with large windows to let in lots of natural light. Furnished apartments will usually come with contemporary furniture and appliances, while unfurnished apartments come with basic fixtures including kitchen cabinets, bathroom fixtures and light fixtures. The majority of housing in the Netherlands is well insulated and efficient, so electricity and heating costs are generally lower than other European countries. Many apartments come with access to balconies or terraces for outdoor living, which is typical for most Dutch homes," remarked one foreigner who made the move to Netherlands.

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What is the average cost of housing in The Netherlands?

If you are thinking about moving to The Netherlands, cost of living in probably a key consideration. Expats commented about the cost of housing:

"The cost of housing in The Netherlands is generally quite high compared to other countries in Europe. The average monthly rent for a house in the Netherlands is usually between 800 and 1,600 Euros, depending on the area and size. In addition, it is usually necessary to make a deposit of at least 1-2 months rent and pay 3 to 4 months’ rent in advance," said one person in Netherlands.

"Housing is cheaper than in large cities in the US, but is not cheap. In my experience, however, I am happy with what I pay. My apartment is small, but I live in one of the best neighborhoods in Rotterdam and I can afford to live alone. In NY, I had to share an apartment with someone I'd just met," said one expat who made the move to Rotterdam.

Should I buy or rent a home in The Netherlands?

If you have not spent a lot of time in The Netherlands, you should rent before even thinking about buying. We asked expats there about the buy vs. rent decision:

"When deciding whether to buy or rent a home in The Netherlands, there are several factors to consider. Perhaps the most important is whether you plan to stay in the country for a long period of time. If you intend to stay for several years, or possibly permanently, then buying a home could make more sense than renting as it can be a great investment and you can benefit from certain tax breaks. If you will only be living in the Netherlands for a short period of time, then renting a home may be the more suitable option. Additional factors to consider include your finances, lifestyle and personal preferences. It is advisable to carefully weigh up the pros and cons of each option before making a decision," said one person in Netherlands.

What do I need to know when buying property in The Netherlands?

When we asked expats what advice they would give a foreigner before buying a property in The Netherlands, they said:

"When buying property in The Netherlands, it is important to be aware of the legal requirements, taxes and fees associated with the purchase. Generally, the buyer is responsible for paying the estate agent's commission, conveyancing fees and legal costs associated with the transfer of title. Dutch law requires all parties to the transaction, including buyers and sellers, to be represented by a civil-law notary for the purchase of property. It is also important to familiarise yourself with mortgage loan conditions and Dutch inheritance laws, as these can affect future ownership of the property. Lastly, you should know the rules and regulations regarding residential property rentals in the Netherlands," said one person in Netherlands.

Are foreigners allowed to own property in The Netherlands?

When we asked expats what advice they would give a foreigner before buying a property in The Netherlands, they said...

"Yes, foreigners are allowed to own property in The Netherlands. Non-residents of the Netherlands are allowed to purchase property in the country, however, they must obtain a permit from the Dutch government before they can do so. The permit is granted on a case-by-case basis and is dependent on the individual's financial situation and the purpose of the purchase. Additionally, non-residents must pay a higher rate of transfer tax than Dutch citizens," explained one foreigner living in Netherlands.

What appliances are typically included in a rental?

We asked foreigners in The Netherlands what appliances are typically included in a rental, and, if there is anything else included or not included that a newcomer would not expect. Replies included:

"Rental properties in The Netherlands usually come with a kitchen and a bathroom, including appliances such as a refrigerator, stove and oven, a washing machine and dryer, and possibly a dishwasher. Many rentals also include a vacuum cleaner, a mop, and other cleaning supplies and equipment. Furniture is not typically included, but outdoor furniture such as a balcony table and chairs might be provided," wrote one expat who made the move to Netherlands.

Additional Information about Searching for a Home in The Netherlands:

We asked foreigners in The Netherlands what appliances are typically included in a rental, and, if there is anything else included or not included that a newcomer would not expect. Replies included...

"Expats typically search for homes in The Netherlands by looking at online listings, such as those on real estate websites, or by contacting a local real estate agent. They can also search for rental properties through online classifieds or by asking friends and colleagues for recommendations. Additionally, expats may attend open houses or viewings to get a better sense of the property and the surrounding area," said one in Netherlands.

About the Author

Joshua Wood Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.

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