Comparison Renting or Buying

Calculation examples renting or buying

We’ve made some sample calculations based on actual situations in Amsterdam, Amstelveen, Rotterdam, The Hague and Delft.

EMP

Amsterdam

Amsterdam (eastern docks)	Barcelonaplein 67 Rent	Barcelonaplein 61 Buy
Characteristics	75m2, 3 rooms, balcony	70m2, 3 rooms, balcony
Rent/Purchase price	€1.650 p/m	€300.000
Nett mortgage costs 10yr fixed		€1.009 p/m
Reservation maintenance/VVE		€ 92 p/m
Homeowner taxes & insurance		€ 27 p/m
Total monthly costs	€1.650 p/m	€1.128 p/m
Difference with rent		€ 522 p/m nett
Total savings after 5 yr		€31.320
Residual debt after 5 yr		€263.587 (-12%)

Amsterdam South (Buitenveldert)	Oldengaarde 50 Rent	Oldengaarde 50 Buy
Characteristics	75m2, 3 rooms, balcony	75m2, 3 rooms, balcony
Rent/Purchase price	€1.900 p/m	€285.000
Nett mortgage costs 10yr fixed		€ 926 p/m
Reservation maintenance/VVE		€ 174 p/m
Homeowner taxes & insurance		€ 26 p/m
Total monthly costs	€1.900 p/m	€1.126 p/m
Difference with rent		€ 774 p/m nett
Total savings after 5 yr		€46.440
Residual debt after 5 yr		€250.407 (-12%)

Amsterdam South/West (Vondelpark)	Amstelveenseweg 122 Rent	Amstelveenseweg 12 Buy
Characteristics	70m2, 2/3 rooms, balcony	68m2, 3 rooms, balcony
Rent/Purchase price	€1.750 p/m	€398.000
Nett mortgage costs 10yr fixed		€1.292 p/m
Reservation maintenance/VVE	€ 80 p/m	€ 168 p/m
Homeowner taxes & insurance		€ 32 p/m
Total monthly costs	€1.830 p/m	€1.493 p/m
Difference with rent		€ 337 p/m nett
Total savings after 5 yr		€20.220
Residual debt after 5 yr		€349.692 (-12%)

EMP

Amstelveen

Amstelveen	Bankrashof 89 Rent	Bankrashof 81 Buy
Characteristics	111m2, 4 rooms, balcony west	111m2, 4 rooms, balcony south
Rent/Purchase price	€1.900 p/m	€325.000
Nett mortgage costs 10yr fixed		€1.055 p/m
Reservation maintenance/VVE		€ 189 p/m
Homeowner taxes & insurance		€ 43 p/m
Total monthly costs	€1.900 p/m	€1.288 p/m
Difference with rent		€ 612 p/m nett
Total savings after 5 yr		€36.720
Residual debt after 5 yr		€285.552 (-12%)

EMP

The Hague

The Hague (Bezuidenhout)	Theresiastraat 103 A Rent	Theresiastraat 335 Buy
Characteristics	85m2, 2 rooms, balcony	84m2, 4 rooms, balcony, renovated
Rent/Purchase price	€1.500 p/m	€259.000
Nett mortgage costs 10yr fixed		€871 p/m
Reservation maintenance/VVE		€ 75 p/m
Homeowner taxes & insurance		€ 31 p/m
Total monthly costs	€1.500 p/m	€977 p/m
Difference with rent		€ 523 p/m nett
Total savings after 5 yr		€31.380
Residual debt after 5 yr		€227.564 (-12%)

The Hague (Voorhout)	Turfhaven 52 Rent	Turfhaven 36 Buy
Characteristics	75m2, 3 rooms, balcony, no parkingspace	90m2, 3 rooms, balcony, own parkingspace
Rent/Purchase price	€1.900 p/m	€435.000
Nett mortgage costs 10yr fixed		€1.444 p/m
Reservation maintenance/VVE		€ 153 p/m
Homeowner taxes & insurance		€ 45 p/m
Total monthly costs	€1.900 p/m	€1.642 p/m
Difference with rent		€ 258 p/m nett
Total savings after 5 yr		€15.480
Residual debt after 5 yr		€382.201 (-12%)

EMP

Rotterdam

Rotterdam (Blijdorp)	Schepenstr. 36C Rent	Schepenstr. 89a Buy
Characteristics	121m2, 3 rooms, terras	135m2, 3 rooms
Rent/Purchase price	€1.595 p/m	€300.000
Nett mortgage costs 10yr fixed		€ 994 p/m
Reservation maintenance / VVE		€ 100 p/m
Homeowner taxes & insurance		€ 73 p/m
Total monthly costs	€1.595 p/m	€1.167 p/m
Difference with rent		€ 428 p/m nett
Total savings after 5 yr		€ 25.680
Residual debt after 5 yr		€263.587 (-12%)

Rotterdam (centre)	Kruisplein 780 Rent	Kruisplein 674 Buy
Characteristics	70m2, 2 rooms, 18 th floor	72m2, 2 rooms, 8 th floor
Rent/Purchase price	€1.750 p/m	€299.000
Nett mortgage costs 10yr fixed		€ 990 p/m
Reservation maintenance / VVE		€ 152 p/m
Homeowner taxes & insurance		€ 8 8 p/m
Total monthly costs	€1.750 p/m	€1.230 p/m
Difference with rent		€ 480 p/m nett
Total savings after 5 yr		€ 28.800
Residual debt after 5 yr		€262.708 (-12%)

Rotterdam (centre)	Bulgersteyn 7173 Rent	Bulgersteyn 7095 Buy
Characteristics	90m2, 3 rooms, box	93m2, 3 rooms, box
Rent/Purchase price	€1.625 p/m	€275.000
Nett mortgage costs 10yr fixed		€ 911 p/m
Reservation maintenance / VVE	€ 85 p/m	€ 156 p/m
Homeowner taxes & insurance		€ 69 p/m
Total monthly costs	€1.710 p/m	€1.136 p/m
Difference with rent		€ 574 p/m nett
Total savings after 5 yr		€ 34.440
Residual debt after 5 yr		€241.621 (-12%)

EMP

Delft

Delft	Jordaniëstr. 24 Rent	Jordaniëstr. 62 Buy
Characteristics	110m2, 6 rooms, garden	110m2, 6 rooms, garden
Rent/Purchase price	€1.495 p/m	€250.000
Nett mortgage costs 10yr fixed		€ 842 p/m
Reservation maintenance / VVE		€ 100 p/m
Homeowner taxes & insurance		€ 67 p/m
Total monthly costs	€1.495 p/m	€1.010 p/m
Difference with rent		€ 485 p/m nett
Total savings after 5 yr		€ 29.100
Residual debt after 5 yr		€229.656 (-12%)

EMP

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Andrew Twidle

2023-12-05

Top advice and tips from Davy Abdool on specific questions, really spot-on and very helpful. I speak as someone from the UK who has previous experience buying a house in The Netherlands and is now looking to move again. Great customer service from Expat Mortgage Platform, and I thoroughly recommend them. Thank you!

Lina Nikolaidou

2023-12-04

Melissa is very helpful and supportive. She takes care of everything and is always available to clear all your doubts. The communication is effective and advice is tailored to your needs. Highly recommend!

Victor Nwandiogo

2023-11-30

Working with EMP was very amazing, and Melissa is the most amazing advisor, she is very fast to respond, patient to answer all the questions, very very helpful, takes her time to go through all the documents with you and puts it on herself to see that you get the best deals. If I want to purchase another property for sure I will work with them again and I 200% percent reccomend working with them.

Alessandro Capone

2023-11-27

The most helpful and professional services can be found in their office. Melissa is such an incredible person, who is guiding us during the whole process. As an expat in The Netherlands, they not only meticulously take care of the mortgage practices, by giving great advices, but also provide you with a friendly smile, that in stressful moments like buying a house is very much needed! Highly recommended!!! 🌟🌟🌟🌟🌟

Nicola Affortunato

Beautiful office, and the owner, Melissa welcomed me in the best way! The most important thing she is helping me with all the Dutch bureaucracy, for me really hard to understand since I’m Italian! She saved my life in buying my first house in the Netherlands! Thank you!!

Svetlana Kondrasheva

2023-11-20

I highly recommend Expat Mortgage Platform and especially our agent Davy. He helped us with all the questions we had as expats, so we were able to buy our first house in a very short time!

Mike

2023-11-19

I had an amazing experience working with Expat Mortgage Platform. They are so kind an professional and they really listen carefully. I would recommend working with them!

Olivera Milosevic

2023-11-17

Thanks to Davy we were able to find an apartment that we are super excited about and secure a mortgage. Navigating the process of buying a property in the Netherlands is not easy, but with great support from Davy it was seamless and quicker than we even expected. We are very satisfied with the support and service.

Talita Maciel

Melissa is a very wise consultor! I had an amazing experience with this company and they were extremely professional. If you are looking for a house in The Netherlands I totally recommend her!

Anderson Gomes - Design Leadership

Melissa is super practical and fast. I highly recommend her services if you wanna buy a house in Netherlands.