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Average LTV ratio in the Netherlands 2013-2019

This statistic shows the development of the average loan-to-value (LTV) ratio in the Netherlands from the first quarter of 2013 to the second quarter of 2019. 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 third quarter of 2018, the average LTV ratio was 86 percent whilst the maximum LTV ratio was 100 percent.

Average loan-to-value (LTV) ratio in the Netherlands from 1st quarter 2013 to 3rd quarter 2019

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Release date

October 2019



Survey time period

Q1 2013 to Q3 2018

Special properties

* 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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Statistics on "Residential real estate in the Netherlands"

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