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Total mortgage debt from households Netherlands 1995-2018

Total mortgage debt from households in the Netherlands from 1995 to 2018 (in million euros)

by Raynor de Best, last edited Jul 4, 2019
Total mortgage debt from households Netherlands 1995-2018 This statistic shows the total mortgage debt from households in the Netherlands from 1995 to 2018 (in million euros). In 2018, the total debt reached a value of approximately 714 billion euros. 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 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. In the third quarter of 2018, the market share of mortgage turnover in the Netherlands reached approximately 52 percent for the three banks ABN Amro, Rabobank and ING.
The European housing, or residential real estate, market has recently shown clear signs of recovery, with an increasing house price being the main trend. In recent years, the housing market has continued to rise in the Netherlands due the asset purchase programme (APP) of the European Central Bank and the, consequently, low mortgage rates. For example, the number of registered transactions reached a value of approximately 242,000 in 2017. The value of mortgages in 2019 is forecasted to increase with approximately 3.2 percent compared to 2016.
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Total mortgage debt from households in the Netherlands from 1995 to 2018 (in million euros)

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Total debt in million euros
2018*714,367
2017* 704,792
2016695,440
2015685,084
2014 680,529
2013 678,913
2012 688,105
2011 682,116
2010 668,651
2009 648,399
2008 624,813
2007 593,052
2006 554,540
2005 516,332
2004 477,847
2003 446,731
2002 405,689
2001 371,798
2000 337,217
1999 302,049
1998 262,492
1997 225,327
1996 198,732
1995 178,620
Total debt in million euros
2018*714,367
2017* 704,792
2016695,440
2015685,084
2014 680,529
2013 678,913
2012 688,105
2011 682,116
2010 668,651
2009 648,399
2008 624,813
2007 593,052
2006 554,540
2005 516,332
2004 477,847
2003 446,731
2002 405,689
2001 371,798
2000 337,217
1999 302,049
1998 262,492
1997 225,327
1996 198,732
1995 178,620

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by Raynor de Best, last edited Jul 4, 2019
This statistic shows the total mortgage debt from households in the Netherlands from 1995 to 2018 (in million euros). In 2018, the total debt reached a value of approximately 714 billion euros. 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 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. In the third quarter of 2018, the market share of mortgage turnover in the Netherlands reached approximately 52 percent for the three banks ABN Amro, Rabobank and ING.

The European housing, or residential real estate, market has recently shown clear signs of recovery, with an increasing house price being the main trend. In recent years, the housing market has continued to rise in the Netherlands due the asset purchase programme (APP) of the European Central Bank and the, consequently, low mortgage rates. For example, the number of registered transactions reached a value of approximately 242,000 in 2017. The value of mortgages in 2019 is forecasted to increase with approximately 3.2 percent compared to 2016.
Show more

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