The gross residential mortgage lending in the Netherlands rose with some fluctuation from the first quarter of 2016 to the third quarter of 2022. In the second quarter of 2022, gross lending peaked at a value of approximately 46 billion euros, followed by a decrease to 38 billion euros in the third quarter of the year. Within Europe, the Netherlands counts as one of the countries with the highest mortgage debt among private individuals. This has a political background as the Dutch tax system allowed homeowners for many years to deduct interest paid on a mortgage from pre-tax income for a maximum period of thirty years, essentially allowing for income support for homeowners. In the Netherlands, this system is known as hypotheekrenteaftrek. Since 2014, the Dutch government is slowly scaling this down, with an acceleration planned from 2020 onwards.
Gross residential mortgage lending in the Netherlands from 1st quarter 2016 to 3rd quarter 2022
(in billion euros)
Characteristic
Gross mortgage lending in billion euros
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European Mortgage Federation. (October 18, 2023). Gross residential mortgage lending in the Netherlands from 1st quarter 2016 to 3rd quarter 2022 (in billion euros) [Graph]. In Statista. Retrieved June 18, 2024, from https://www.statista.com/statistics/957572/quarterly-gross-residential-mortgage-lending-in-the-netherlands/
European Mortgage Federation. "Gross residential mortgage lending in the Netherlands from 1st quarter 2016 to 3rd quarter 2022 (in billion euros)." Chart. October 18, 2023. Statista. Accessed June 18, 2024. https://www.statista.com/statistics/957572/quarterly-gross-residential-mortgage-lending-in-the-netherlands/
European Mortgage Federation. (2023). Gross residential mortgage lending in the Netherlands from 1st quarter 2016 to 3rd quarter 2022 (in billion euros). Statista. Statista Inc.. Accessed: June 18, 2024. https://www.statista.com/statistics/957572/quarterly-gross-residential-mortgage-lending-in-the-netherlands/
European Mortgage Federation. "Gross Residential Mortgage Lending in The Netherlands from 1st Quarter 2016 to 3rd Quarter 2022 (in Billion Euros)." Statista, Statista Inc., 18 Oct 2023, https://www.statista.com/statistics/957572/quarterly-gross-residential-mortgage-lending-in-the-netherlands/
European Mortgage Federation, Gross residential mortgage lending in the Netherlands from 1st quarter 2016 to 3rd quarter 2022 (in billion euros) Statista, https://www.statista.com/statistics/957572/quarterly-gross-residential-mortgage-lending-in-the-netherlands/ (last visited June 18, 2024)
Gross residential mortgage lending in the Netherlands from 1st quarter 2016 to 3rd quarter 2022 (in billion euros) [Graph], European Mortgage Federation, October 18, 2023. [Online]. Available: https://www.statista.com/statistics/957572/quarterly-gross-residential-mortgage-lending-in-the-netherlands/