From 2021, dual-income households will be able to borrow more for a home

Starting January 1, 2021, dual-income households will be able to borrow more, for example, to buy a house. The lowest income will be factored more heavily into the maximum mortgage loan amount. This is made possible by a change to the Temporary Mortgage Loan Scheme.

In line with the advice of the National Institute for Budget Information (Nibud), 90 percent of the lower assessed income will soon count towards the financing burden percentage. This was previously 80 percent. In practice, this means an increase in the financing options for dual-income households. This allows them to borrow more to purchase a home or obtain additional borrowing capacity for home improvements.

Student loans
When determining the financing burden, mortgage providers must consider the consumer's other financial obligations. This includes student loans. Based on the advice of the Nibud (National Institute for Family Finance Information), a new calculation table has been developed to calculate the impact of student loans on the financing burden. The tables with the corresponding financing burden percentages have also been adjusted based on the Nibud's advice. This results in a slight increase in the financing capacity for qualifying incomes up to €30,000.

Energy-saving facilities
Furthermore, the definition of energy-saving measures is being adjusted. If they cannot be recouped within 30 years, they will no longer count towards determining the additional borrowing capacity. This is the case, for example, with a solar water heater.