Total mortgage debt from households in the Netherlands from 1995 to 2017 (in million euros)

Total mortgage debt from households Netherlands 1995-2017 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.
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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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Description Source More information
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.
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Release date
March 2018
Region
Netherlands
Survey time period
1995 to 2017
Supplementary notes
* The numbers provided for 2015 to 2017 are provisional.

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