OWN STUDIO, I CAN PAY THAT ?!

No worries. Maybe you never thought about their own independent home, but buy or rent Starters Housing is much cheaper than you think! The very low von price, limited additional cost and the possibility to apply for the National Mortgage Guarantee (NHG) for your mortgage, ensuring very low housing costs.

You can also rent very beneficial if you find someone willing to buy a home for you to rent it to you.

Since January 1, 2015 subject to the old-time exemption for donating money to purchase a home for a child € 52 281 = This exemption applies only to gifts from parents to children between 18 and 40 years.

Did you buy a property in Starter Housing and want to use this exemption which is still up to € 52 281, =! The remainder will or gift tax must be paid.

financing

(a) You can buy a studio with a (mortgage) loan
to finance If you have a mortgage will conclude with a bank or insurance company, you need a minimum income of 18,000 euros gross per year for the purchase price and associated costs 100%. If you do not deserve this amount, you can also take out a loan with your parents, a relative or close acquaintance.

If they want more security for repayment of the loan and interest, you can give this assurance to them to arrange a mortgage on your home through the notary. The gross monthly housing costs are very low in this situation with the current low interest rates.

The advantage is that you own and thus benefits from an increase in value of the property in the future.

(B) You can buy a studio with money give your parents

Since January 1, 2015 subject to the old-time exemption for donating money to purchase a home for a child € 52 281 = This exemption applies only to gifts from parents to children between 18 and 40 years.

Did you buy a property in Starter Housing and want to use this exemption can to € 52 281, =! The remainder gift tax will be payable.

Your parents give over part of the purchase and borrow another part (see option a). Again, you again take advantage of the value of your property in the future.

(c) You ask your parents, a relative or close acquaintance to rent to buy a studio and you
In this option your landlord a magnificent return to the studio (see "Investments"), and you can make yourself for a very low price rent the studio. This rent could be even lower per month housing allowance that you can apply (see  www.toeslagen.nl ).

 

Monthly fee (in addition to financing)

The building Starter Housing will be built on land the municipality Waddinxveen. Leasehold, the right to use land in the municipality of Waddinxveen. The municipality asked about this land value compensation (lease). This fee is set for the next five years, the land value will never be increased in the future. The monthly cost of the lease amount is now only about 10, = per month.

If you buy an apartment, buy in fact a part of a building. This is called an apartment. In addition to using your own apartment, you are entitled to use of common parts of the property.For example, the staircase and the gallery.

The building Starter Housing is also divided into apartment. As the owner of an apartment you are automatically a member of the homeowners association (HOA). The HOA regulates the general provisions in Starter Housing, responsible for the management, home insurance and building maintenance (cleaning common areas, etc.), manages the shared common areas (bike storage, staircase, roof terrace) and represents the common interests of the owners. Monthly fee for this, as owners, contribute to the HOA. The amount of this service by the Owners Association jointly determined based on the budget to be established.

If the apartments in a building separate from each registered at the Land Registry, the building is divided into apartment. This is in the so-called cleavage deed coupled with the division drawing.

The energy costs are low due to the good insulation (energy label A ++).

Worked examples for you financing

For more insight into the possibilities of a mortgage loan, you can best contact with a mortgage advisor.