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Total mortgage debt from households Netherlands 1995-2017
Total mortgage debt from households Netherlands 1995-2017
Total mortgage debt from households in the Netherlands from 1995 to 2017 (in million euros)
This statistic shows the total mortgage debt from households in the Netherlands from 1995 to 2017 (in million euros). In 2017, the total debt reached a value of approximately 672 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.
Total mortgage debt from households in the Netherlands from 1995 to 2017 (in million euros)
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| Total debt in million euros | |
|---|---|
| 2017* | 672,235 |
| 2016* | 664,014 |
| 2015* | 655,613 |
| 2014 | 649,931 |
| 2013 | 652,473 |
| 2012 | 670,063 |
| 2011 | 666,453 |
| 2010 | 655,085 |
| 2009 | 638,045 |
| 2008 | 615,125 |
| 2007 | 584,967 |
| 2006 | 548,141 |
| 2005 | 510,871 |
| 2004 | 473,027 |
| 2003 | 442,291 |
| 2002 | 402,053 |
| 2001 | 368,831 |
| 2000 | 334,527 |
| 1999 | 299,536 |
| 1998 | 260,177 |
| 1997 | 223,199 |
| 1996 | 196,769 |
| 1995 | 176,759 |
| Total debt in million euros | |
|---|---|
| 2017* | 672,235 |
| 2016* | 664,014 |
| 2015* | 655,613 |
| 2014 | 649,931 |
| 2013 | 652,473 |
| 2012 | 670,063 |
| 2011 | 666,453 |
| 2010 | 655,085 |
| 2009 | 638,045 |
| 2008 | 615,125 |
| 2007 | 584,967 |
| 2006 | 548,141 |
| 2005 | 510,871 |
| 2004 | 473,027 |
| 2003 | 442,291 |
| 2002 | 402,053 |
| 2001 | 368,831 |
| 2000 | 334,527 |
| 1999 | 299,536 |
| 1998 | 260,177 |
| 1997 | 223,199 |
| 1996 | 196,769 |
| 1995 | 176,759 |
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This statistic shows the total mortgage debt from households in the Netherlands from 1995 to 2017 (in million euros). In 2017, the total debt reached a value of approximately 672 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 moreThe 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 sources information
- Show publisher information
- Release date
- March 2018
- Region
- Netherlands
- Survey time period
- 1995 to 2017
- Supplementary notes
- * The numbers provided for 2015 to 2017 are provisional.
Source
- Show sources information
- Show publisher information
- Release date
- March 2018
More information
- Region
- Netherlands
- Survey time period
- 1995 to 2017
- Supplementary notes
- * The numbers provided for 2015 to 2017 are provisional.
Other statistics on the topic
Residential real estate in the Benelux
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Statistics on "Residential real estate in the Netherlands"
- General overview
The most important statistics
- Total number of residential property transactions in the Netherlands from 2nd quarter 2015 to 4th quarter 2018*Number of residential real estate transactions in the Netherlands 2015-2018
- Total number of houses sold in the Netherlands from 1995 to 2017, by province Total number of houses sold in the Netherlands 1995-2017, by province
- Forecast of the percentage change on previous year of transaction volume of residential property in the Netherlands from 2018 to 2020Real estate transactions forecast change in the Netherlands 2018-2020
- Economic Sentiment Indicator (ESI) of Belgium, Luxembourg and the Netherlands (Benelux) from March 2018 to February 2019Economic Sentiment Indicator of the Benelux 2018-2019
- Consumer confidence in the Netherlands compared to Europe from March 2018 to February 2019*Consumer confidence in the Netherlands compared to Europe 2017-2019
- Average interest rate for new mortgages in the Netherlands from 2006 to 2018Interest rate for new mortgages in the Netherlands 2006-2018
- Average interest rate for outstanding mortgages in the Netherlands from 2006 to 2017Interest rate for outstanding mortgages in the Netherlands 2006-2017
- Total number of new companies in real estate in the Netherlands from 2nd quarter 2016 to 3rd quarter 2018Number of new companies in real estate in the Netherlands 2016-2018
- Housing prices
The most important statistics
- Average price of residential property in EU-28 as of March 2019, per country (in euros per square meter)*Average residential square meter prices in EU-28, per country 2019
- Average purchase price of dwellings in the Netherlands from September 2016 to September 2018 (in euros)Average purchase price of dwellings in the Netherlands 2016-2018
- Average price of single-family homes in the Netherlands in 4th quarter 2018, by province (in euros)Average price of single-family homes in the Netherlands 2018, by province
- Average selling price of residential property in the Netherlands from 1995 to 2018 (in euros)Average residential property selling price in the Netherlands 1995-2018
- Price index in real terms (RHPI) development of residential property in selected countries in EU-28 from 1st quarter 2010 to 3rd quarter 2018*Price index in real terms (RHPI) development of residential property EU-28 2010-2018
- Forecast of the percentage change on previous year of residential property prices in the Netherlands from 2018 to 2020Residential real estate prices forecast change in the Netherlands 2018-2020
- Total value of dwelling purchase prices in the Netherlands from September 2016 to September 2018 (in million euros)Total value of dwelling purchase prices in the Netherlands 2016-2018
- Percentage change on previous month of dwelling purchase prices in the Netherlands from September 2016 to September 2018Dwelling purchase price change in the Netherlands 2016-2018
- Mortgages
The most important statistics
- Quarterly interest rate for new mortgages in the Netherlands from 1st quarter 2015 to 3rd quarter 2018Quarterly interest rate for new mortgages in the Netherlands 2015-2018
- Number of mortgages sold in the Netherlands from 2007 to 2017 (in 1,000s)Number of mortgages sold in the Netherlands 2007-2017
- Total volume of new mortgages in the Netherlands from 2006 to 2017 (in million euros)Total volume of new mortgages in the Netherlands 2006-2017
- Leading mortgage providers in the Netherlands as of 3rd quarter of 2018, by market shareLeading mortgage providers in the Netherlands 2018, by market share
- Quarterly number of mortgages sold in the Netherlands from 3rd quarter 2015 to 3rd quarter 2018 (in 1,000s)Number of mortgages sold in the Netherlands 2015-2018
- Total mortgage debt from households in the Netherlands from 1995 to 2017 (in million euros)Total mortgage debt from households Netherlands 1995-2017
- Share of mortgage applicants in the Netherlands from 1st quarter 2012 to 1st quarter 2017, by position in the housing marketShare of mortgage applicants the Netherlands 2012-2017, by position in market
- Average mortgage debt for households with an own house in the Netherlands from 2006 to 2015 (in 1,000 euros)Average mortgage debt for households with an own house in the Netherlands 2006-2015
- Rental housing
The most important statistics
- Share of households in Belgium and the Netherlands living in a rent dwelling in 2016Share of households in Belgium and the Netherlands living in a rent dwelling 2016
- Share of tenants among the total population of the Netherlands from 2008 to 2017Share of tenants among the total population of the Netherlands 2008-2017
- Average rent price of residential property in the Netherlands from 1st quarter 2010 to 4th quarter 2018 (in euros per square meter)*Average rent price of residential property in the Netherlands 2010-2018
- Percentage change on previous year of average housing rent in the Netherlands from 2nd quarter 2015 to 2nd quarter 2018Average housing rent change in the Netherlands 2015-2018
- Average percentage change on previous year of rent increase including and excluding rent harmonization in the Netherlands in 2018, by type of rentalAverage rent increase in the Netherlands in 2018, by type of rental
- Housing construction
The most important statistics
- Total number of active companies in the construction industry in the Netherlands from 2007 to 2016*Number of active companies in the construction industry in the Netherlands 2007-2016
- Annual growth of residential property in the Netherlands from 2007 to 2017Annual growth of residential property in the Netherlands 2007-2017
- Total new building permits issued in the Netherlands from 2006 to 2016, by type of propertyTotal new building permits issued in the Netherlands 2006-2016, by type of property
- Total number of building permits issued for existing real estate in the Netherlands from 2006 to 2016, by type of housingNumber of building permits existing real estate in Netherlands, by type of housing
- Total value of build permits issued for existing residential real estate in the Netherlands from 2010 to 2016, by province (in million euros)Value permits existing residential real estate Netherlands 2010-2016, by province
- Number of building permits issued in the Netherlands from 2006 to 2016, by type of housingNumber of building permits issued in the Netherlands, by type of housing 2006-2016
- Total value of build permits issued for existing real estate in the Netherlands from 2006 to 2016, by type of housing (in million euros)Value permits issued existing real estate Netherlands 2006-2016, by type of housing
- Input price index of building costs of new dwellings in the Netherlands from January 2015 to December 2018Input price index buildings costs new dwellings Netherlands 2015-2018
- Residential market in Amsterdam
The most important statistics
- Average transaction price of dwellings in selected cities in Belgium and the Netherlands in 2016 (in euros per square meter)Average price of dwellings in selected cities in Belgium and the Netherlands 2016
- Average transaction price of dwellings in selected cities compared to the country average in Belgium and the Netherlands in 2016Dwelling prices in selected cities compared to average Belgium and Netherlands 2016
- Percentage change on previous year in the four largest municipalities in the Netherlands from 4th quarter 2013 to 4th quarter 2017Housing prices change in the four largest municipalities in the Netherlands 2013-2017
- Percentage change on previous year of average housing rent per square meter in the four largest municipalities in the Netherlands from 2nd quarter 2015 to 2nd quarter 2018Housing rent change largest cities in the Netherlands 2015-2018
- Average monthly rent of dwellings in selected cities in Belgium and the Netherlands in 2016 (in euros per square meters)Average rent of dwellings in selected cities in Belgium and the Netherlands 2016
- Average rent price of residential property in Amsterdam, The Hague, Rotterdam and Utrecht (the Netherlands) from 1st quarter 2010 to 4th quarter 2018 (in euros per square meter)*Average rent in four largest cities in the Netherlands 2010-2018
- Average number of months a house is for sale in the largest cities in the Netherlands in 2nd quarter 2017, by municipalityMonths a house is for sale in largest cities Netherlands 2017, by city
- Select leading cities ranked by existing investment prospects on the real estate market in Europe in 2019Select European cities ranked by investment prospects in real estate 2019
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Statistics
- Mortgages granted by MFIs to households in the Netherlands 2017-2018
- Monthly mortgage flow granted by Dutch MFIs to households 2017-2018
- Interest rate mortgages 1 to 5 years in the Netherlands 2015-2018
- Interest rate outstanding mortgages Netherlands 5+ years 2015-2018
- Interest rate new mortgages rate fixation under 1 year the Netherlands 2015-2018
- Interest rate new mortgages rate fixation 1-5 years the Netherlands 2015-2018
- Interest rate new mortgages rate fixation 5-10 years the Netherlands 2015-2018
- Debt ratio in the Benelux region 2013-2017
- Share of mortgage loan debt in Russia 2017-2018, by arrear period
- Value of mortgage loan debt in Russia 2015-2018, by arrear period
- Value of mortgage loan debt in Russia 2015-2018
- Mortgage debt households Netherlands 2006-2015, by credit provider
- Closing a mortgage after consultation in Netherlands 2012-2016, by number of advisors
- Channels used to orientate on a new mortgage in the Netherlands 2016
- Perceived mortgage intermediary reward in the Netherlands 2009-2016
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Statistics on "Residential real estate in the Netherlands"
- Total number of residential property transactions in the Netherlands from 2nd quarter 2015 to 4th quarter 2018*
- Total number of houses sold in the Netherlands from 1995 to 2017, by province
- Forecast of the percentage change on previous year of transaction volume of residential property in the Netherlands from 2018 to 2020
- Economic Sentiment Indicator (ESI) of Belgium, Luxembourg and the Netherlands (Benelux) from March 2018 to February 2019
- Consumer confidence in the Netherlands compared to Europe from March 2018 to February 2019*
- Average interest rate for new mortgages in the Netherlands from 2006 to 2018
- Average interest rate for outstanding mortgages in the Netherlands from 2006 to 2017
- Total number of new companies in real estate in the Netherlands from 2nd quarter 2016 to 3rd quarter 2018
- Total number of bankruptcies of companies in real estate in the Netherlands from 2nd quarter 2016 to 3rd quarter 2018
- Total number of dissolutions of companies in real estate in the Netherlands from 2nd quarter 2016 to 3rd quarter 2018
- Forecast of the percentage change on previous year of residential property investments in the Netherlands from 2017 to 2020
- Average price of residential property in EU-28 as of March 2019, per country (in euros per square meter)*
- Average purchase price of dwellings in the Netherlands from September 2016 to September 2018 (in euros)
- Average price of single-family homes in the Netherlands in 4th quarter 2018, by province (in euros)
- Average selling price of residential property in the Netherlands from 1995 to 2018 (in euros)
- Price index in real terms (RHPI) development of residential property in selected countries in EU-28 from 1st quarter 2010 to 3rd quarter 2018*
- Forecast of the percentage change on previous year of residential property prices in the Netherlands from 2018 to 2020
- Total value of dwelling purchase prices in the Netherlands from September 2016 to September 2018 (in million euros)
- Percentage change on previous month of dwelling purchase prices in the Netherlands from September 2016 to September 2018
- Percentage change on previous year of housing prices in the Netherlands from December 2016 to December 2018
- Average economic value assessment (WOZ) of residential property in the Netherlands compared to the average selling price from 1997 to 2017 (in 1,000 euros)
- House price index in real terms (RHPI) of Belgium, Luxembourg and the Netherlands (Benelux) from 1st quarter 2010 to 3rd quarter 2018*
- Quarterly interest rate for new mortgages in the Netherlands from 1st quarter 2015 to 3rd quarter 2018
- Number of mortgages sold in the Netherlands from 2007 to 2017 (in 1,000s)
- Total volume of new mortgages in the Netherlands from 2006 to 2017 (in million euros)
- Leading mortgage providers in the Netherlands as of 3rd quarter of 2018, by market share
- Quarterly number of mortgages sold in the Netherlands from 3rd quarter 2015 to 3rd quarter 2018 (in 1,000s)
- Total mortgage debt from households in the Netherlands from 1995 to 2017 (in million euros)
- Share of mortgage applicants in the Netherlands from 1st quarter 2012 to 1st quarter 2017, by position in the housing market
- Average mortgage debt for households with an own house in the Netherlands from 2006 to 2015 (in 1,000 euros)
- Through which channel have you closed the mortgage?
- Forecast of the percentage change on previous year of the total mortgage value in the Netherlands from 2017 to 2020
- Share of households in Belgium and the Netherlands living in a rent dwelling in 2016
- Share of tenants among the total population of the Netherlands from 2008 to 2017
- Average rent price of residential property in the Netherlands from 1st quarter 2010 to 4th quarter 2018 (in euros per square meter)*
- Percentage change on previous year of average housing rent in the Netherlands from 2nd quarter 2015 to 2nd quarter 2018
- Average percentage change on previous year of rent increase including and excluding rent harmonization in the Netherlands in 2018, by type of rental
- Total number of active companies in the construction industry in the Netherlands from 2007 to 2016*
- Annual growth of residential property in the Netherlands from 2007 to 2017
- Total new building permits issued in the Netherlands from 2006 to 2016, by type of property
- Total number of building permits issued for existing real estate in the Netherlands from 2006 to 2016, by type of housing
- Total value of build permits issued for existing residential real estate in the Netherlands from 2010 to 2016, by province (in million euros)
- Number of building permits issued in the Netherlands from 2006 to 2016, by type of housing
- Total value of build permits issued for existing real estate in the Netherlands from 2006 to 2016, by type of housing (in million euros)
- Input price index of building costs of new dwellings in the Netherlands from January 2015 to December 2018
- Average construction costs per cubic meter in the Netherlands from 2006 to 2016, by type of ownership (in euros)
- Average build costs per house in the Netherlands from 2006 to 2016, by type of ownership (in thousand euros)
- Total value of building permits issued in the Netherlands from 2006 to 2016, by type of housing (in million euros)
- Average transaction price of dwellings in selected cities in Belgium and the Netherlands in 2016 (in euros per square meter)
- Average transaction price of dwellings in selected cities compared to the country average in Belgium and the Netherlands in 2016
- Percentage change on previous year in the four largest municipalities in the Netherlands from 4th quarter 2013 to 4th quarter 2017
- Percentage change on previous year of average housing rent per square meter in the four largest municipalities in the Netherlands from 2nd quarter 2015 to 2nd quarter 2018
- Average monthly rent of dwellings in selected cities in Belgium and the Netherlands in 2016 (in euros per square meters)
- Average rent price of residential property in Amsterdam, The Hague, Rotterdam and Utrecht (the Netherlands) from 1st quarter 2010 to 4th quarter 2018 (in euros per square meter)*
- Average number of months a house is for sale in the largest cities in the Netherlands in 2nd quarter 2017, by municipality
- Select leading cities ranked by existing investment prospects on the real estate market in Europe in 2019
- Gross annual rental yield of dwellings in selected cities in Belgium and the Netherlands in 2016*
- Total value of loans granted for house purchase by Dutch MFIs to households in the Netherlands from September 2017 to September 2018 (in million euros)
- Monthly flow of loans granted for house purchase by Dutch MFIs to households from September 2017 to September 2018 (in million euros)
- Quarterly interest rate for outstanding mortgages with a maturity between one and five years in the Netherlands from 1st quarter 2015 to 3rd quarter 2018
- Quarterly interest rate for outstanding mortgages with a maturity more than five years in the Netherlands from 1st quarter 2015 to 3rd quarter 2018
- Quarterly interest rate for new mortgages with an initial rate fixation less than one year in the Netherlands from 1st quarter 2015 to 3rd quarter 2018
- Quarterly interest rate for new mortgages with an initial rate fixation between one and five years in the Netherlands from 1st quarter 2015 to 3rd quarter 2018
- Quarterly interest rate for new mortgages with an initial rate fixation between five and ten years in the Netherlands from 1st quarter 2015 to 3rd quarter 2018
- Debt ratio as percentage over disposable income in Belgium, Luxembourg and the Netherlands from 2013 to 2017
- Distribution of mortgage loan debt outstanding in Russia from January 2017 to July 2018, by period in arrears
- Value of mortgage loan debt outstanding in Russia from January 2015 to July 2018, by period in arrears (in billion rubles)
- Value of mortgage loan debt outstanding in Russia from January 2015 to July 2018 (in billion rubles)
- Total mortgage debt from households in the Netherlands from 2006 to 2015, by credit provider (in million euros)
- How many different advisors did you talk to before closing a mortgage?*
- Which channels did you use to orientate on a new mortgage?*
- How do you think your mortgage intermediary being rewarded?*
- Share of households living in a rent free home in Colombia in 2016, by region
- Survey on the number of cars owned in car households in the United Kingdom (UK) in 2018
- Share of households with pets in South Korea in 2012, 2015 and 2017
- Average income tax paid by non-retired households in the United Kingdom (UK) in 2017/18, by decile group (in GBP)
- Main source of household water in Canada from 2012 to 2016
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