荷兰买房经验谈 -常见问题和超有用买房工具(2011年更新)

Post by schuvani;3390105
If you choose euribor tariff, you can not choose fixed rent anymore. I took 1-month-euribor tariff, and it is flucturating with the market, you can check the current tariff at: http://www.homefinance.nl/algemeen/informatie/euribor.asp
The rent i pay is 5.33%, it is the current euribor + 0.85% for the bank.
you can also find the histry of this tariff. It is as low as 2% from 2004 to 2006.

If you choose Euribor, in most banks, you can only choose aflossingvrij. But it doesn't matter. because after thirty years, you should be able to save enough to repay the bank. If you want to sell the house after 10 years, it is no problem either. Another advantage of Euribor is that you can choose to fix the rent at any time, by paying 250 euro. For example, in 2010, the rate is 3%, then you can choose to fix it for 10 years. It is much better than fixing the rent now, because it is really high now.

Another point, now at many banks, the saving interest is also high (ABN 5.0%, i also find a bank giving 5.5%)  I would rather save the extra money in the bank by myself because then i have the flexibility.

看起来如果希望每个月负担小，还得选这个方式。不过好像赌博哦，30年后房价如果跌了，是要赔钱的。对于有30% reguling的，是不是这个最划算的方式呢

Post by tomasa;3390228
选择这个利率的话30年后还欠银行几十万，所以要么用存款付，要么卖房还钱。mm他的意思是你自己存钱，到时候如果利率高的话可以存不少了，到时候就可以还钱了。不知道我说得对不哈。这几天已经被弄晕了

我也糊涂了

我这么听下来, 感觉跟租房没啥区别啊

Post by tomasa;3390238
看起来如果希望每个月负担小，还得选这个方式。不过好像赌博哦，30年后房价如果跌了，是要赔钱的。对于有30% reguling的，是不是这个最划算的方式呢

你有30%RULING的, 我觉得这个不见得划算吧

因为你本来税就交的少啊

Post by schuvani;3390195
I agree there is a risk. but if i fix the rent now at 6% for 10 years, it is very likely in two yerars, the rent is 4% again and you fix the rent for 8 years. then 2% difference per year for 8 years, it is 16% of the total motage. if you have a motage of 200000, you are paying 32000 more in these 10 years.

是的，理论上是这样的。但是直觉告诉我，银行不会这么轻易的让你等到最低利息的时候再固定下来。。。。我再去考证一下。

你现在和银行定有合同的吧？如果你2年后换固定利率，是不是算转换合同？

Post by eggedreef;3390251
你有30%RULING的, 我觉得这个不见得划算吧

因为你本来税就交的少啊

哎，看来我对这个咚咚比较白吃的。
因为只有利息可以免税不是？那有30% regeling的话就可以30%不缴税了？不就缴得更少了

Post by eggedreef;3390246
我也糊涂了

我这么听下来, 感觉跟租房没啥区别啊

这个感觉就是租房，只不过租的银行的房

Post by tomasa;3390282
这个感觉就是租房，只不过租的银行的房

是的

是的

Post by schuvani;3390195
I agree there is a risk. but if i fix the rent now at 6% for 10 years, it is very likely in two yerars, the rent is 4% again and you fix the rent for 8 years. then 2% difference per year for 8 years, it is 16% of the total motage. if you have a motage of 200000, you are paying 32000 more in these 10 years.

好像是有这么一种说法：如果你2年以后想把利息固定下来，这个利息并不是当时的房市利息，而是银行说了算得。也就是说，2年后的房市利息是4%，但是银行很可能说给你6%的10年固定利息。如果你说，那我换银行，那么你要交一笔罚金。总之，要看你的银行的规定。

不知道这个说法对不对？

Post by tomasa;3390228
选择这个利率的话30年后还欠银行几十万，所以要么用存款付，要么卖房还钱。mm他的意思是你自己存钱，到时候如果利率高的话可以存不少了，到时候就可以还钱了。不知道我说得对不哈。这几天已经被弄晕了

spaarhypotheek is also kind of saving account, you deposit some money every month but you can not take it out. It is the same if you choose aflossingsvrij and make savings by your own. but in the latter case, you have more flexibility.

Also note that if you choose spaarhypothteek for 6%, It is true that you save at 6% interest. but this saving only make a big difference in the last few years because then you have quite some money in the account. But at all these years, you are paying rent at 6% for the TOTAL motage.

Post by 打一枪换一个地方;3390334
好像是有这么一种说法：如果你2年以后想把利息固定下来，这个利息并不是当时的房市利息，而是银行说了算得。也就是说，2年后的房市利息是4%，但是银行很可能说给你6%的10年固定利息。如果你说，那我换银行，那么你要交一笔罚金。总之，要看你的银行的规定。

不知道这个说法对不对？

this is why i choose Euribor. It is determined by the central european bank and it is transparent.