Every quarter, we marvel at the rise in house prices, and most banks were still predicting last year that 2021 would mark the end of that rise. But in February, the highest increase in 20 years was recorded (10.4% compared to a year earlier)! We have written about the cause in another article, but we will now turn to the consequences.
Financing capacity has decreased somewhat due to stricter legislation, but lower interest rates are the compensating factor and fortunately the prevailing view is that they will remain low for a long time (we have written about this before).
Due to the increase, the share of own money that you have to bring along as a homebuyer (which cannot be financed) is, of course, the same as a percentage but it is also higher in absolute terms. That is also a growing problem.
The NHG is a good example: partly due to the increase and the stricter rules, the number of applications for NHG has been falling for years: currently, only about 28% of mortgages are concluded with NHG (this was once more than 60%).
