🇳🇱 Netherlands

Buying Property in Netherlands: A Guide for Foreign Buyers

Apartments in Netherlands cost from €8,500 to €8,500 per m² across the cities we track. Expect to pay another 3–11% of the price in taxes and fees.

Can foreigners buy property in Netherlands?

No restrictions for foreign buyers

There are no restrictions on foreign ownership of residential property in the Netherlands, although some municipalities apply buy-to-let bans (opkoopbescherming) to cheaper homes.

Tax ID you'll need: BSN or RSIN (needed for the mortgage and taxes)

How to buy, step by step

  1. 1Make an offer, often through a buying agent (aankoopmakelaar)
  2. 2Sign the purchase agreement (koopovereenkomst); 3-day cooling-off period
  3. 3Pay a 10% deposit or provide a bank guarantee
  4. 4Arrange valuation and financing within the condition period
  5. 5Sign the transfer deed (akte van levering) before the notary
  6. 6The notary registers the deed with the Kadaster

What it costs

A 60 m² apartment in Amsterdam at the average €8,500/m² costs about €510,000. Purchase taxes and fees add roughly €15,300–€56,100. Full breakdown of Netherlands property taxes and costs.

Amsterdam€8,500/m² · gross yield 3.7%

Mortgages and residency

Approx. 60–80% LTV for non-residents; few Dutch lenders lend for buy-to-let.

Frequently Asked Questions

Can foreigners buy property in Netherlands?↓
There are no restrictions on foreign ownership of residential property in the Netherlands, although some municipalities apply buy-to-let bans (opkoopbescherming) to cheaper homes.
How much are buying costs in Netherlands?↓
Typically 3–11% of the purchase price for a resale apartment, including transfer tax, notary or legal fees and registration.
How much does an apartment cost in Netherlands?↓
Average prices range from €8,500/m² to €8,500/m² across 1 cities; in Amsterdam a 60 m² apartment costs about €510,000.
Can non-residents get a mortgage in Netherlands?↓
Approx. 60–80% LTV for non-residents; few Dutch lenders lend for buy-to-let.
Property prices in Netherlands →Apartments for sale in Netherlands →Rental yield calculator →

Last reviewed 2026-10. General information, not tax or legal advice: rates change and often depend on region and buyer status, so confirm with a local notary, lawyer or tax adviser. Sources: Loyens & Loeff: Prinsjesdag 2025 (transfer tax 8% from 2026), SRA: Box 3 percentages 2026.