This statistic shows the development of the average loan-to-value (LTV) ratio in the Netherlands from the first quarter of 2013 to the fourth quarter of 2020. The LTV ratio measures the mortgage value divided by the appraised value of the residential property you want to buy. A high ratio means a home buyer needs less of its own payments as the mortgage provider hands out a relatively large loan. A lower LTV means a smaller loan and less risks for mortgage providers but requires more savings from consumers before being able to afford a home.
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. Currently, the Dutch government tries to tackle this by slowly lowering the maximum LTV ratio. In the fourth quarter of 2020, the average LTV ratio was 64.5 percent whilst the maximum LTV ratio was 100 percent.
Average loan-to-value (LTV) ratio in the Netherlands from 1st quarter 2013 to 4th quarter 2020
* Q3 2019 marks a break in the source's methodology: numbers are now based on the market value of housing instead of their valuaton (the so-called WOZ value or WOZ waarde)
Supplementary notes
The figures have been taken from several publications. Every quarter, the source publishes a new figure. Since 2018, the source switched to figures which had decimals.
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Delft University of Technology (TU Delft) (Expertisecentrum Woningwaarde). (May 3, 2021). Average loan-to-value (LTV) ratio in the Netherlands from 1st quarter 2013 to 4th quarter 2020 [Graph]. In Statista. Retrieved May 17, 2022, from https://www.statista.com/statistics/961047/average-ltv-ratio-in-the-netherlands/
Delft University of Technology (TU Delft) (Expertisecentrum Woningwaarde). "Average loan-to-value (LTV) ratio in the Netherlands from 1st quarter 2013 to 4th quarter 2020." Chart. May 3, 2021. Statista. Accessed May 17, 2022. https://www.statista.com/statistics/961047/average-ltv-ratio-in-the-netherlands/
Delft University of Technology (TU Delft) (Expertisecentrum Woningwaarde). (2021). Average loan-to-value (LTV) ratio in the Netherlands from 1st quarter 2013 to 4th quarter 2020. Statista. Statista Inc.. Accessed: May 17, 2022. https://www.statista.com/statistics/961047/average-ltv-ratio-in-the-netherlands/
Delft University of Technology (TU Delft) (Expertisecentrum Woningwaarde). "Average Loan-to-value (Ltv) Ratio in The Netherlands from 1st Quarter 2013 to 4th Quarter 2020." Statista, Statista Inc., 3 May 2021, https://www.statista.com/statistics/961047/average-ltv-ratio-in-the-netherlands/
Delft University of Technology (TU Delft) (Expertisecentrum Woningwaarde), Average loan-to-value (LTV) ratio in the Netherlands from 1st quarter 2013 to 4th quarter 2020 Statista, https://www.statista.com/statistics/961047/average-ltv-ratio-in-the-netherlands/ (last visited May 17, 2022)