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Renting a house

What are the questions that other people asked?

What minimal income do I need to have in order to rent accommodation?

We apply various income conditions. These are related to your situation and depend on the type of accommodation you wish to rent. If you work in paid employment or own your own company the condition we will usually apply is based on an income level that is equal to at least four times the gross monthly income. Once you have selected the accommodation you require, please see the amount listed under “income requirements” to determine the minimum income level required.

If you are retired we always look at your net monthly income. Approximately €1000 (euros) should remain after you have deducted the gross amount paid for rent from your net monthly income.

We apply various income conditions. These are related to your situation and depend on the type of accommodation you wish to rent. If you work in paid employment or own your own company the condition we will usually apply is based on an income level that is equal to at least four times the gross monthly income. Once you have selected the accommodation you require, please see the amount listed under “income requirements” to determine the minimum income level required.

If you are retired we always look at your net monthly income. Approximately €1000 (euros) should remain after you have deducted the gross amount paid for rent from your net monthly income.

Are there administrative costs attached to renting accommodation?

No. We do not charge a fee for evaluating your request and concluding a rental contract. A waiting list placement is also cost-free.

What can I include when calculating my income?

Holiday pay, 13th month and fixed allowance for working irregular hours are usually included when calculating gross annual income, while Commission, student finance, child maintenance fees, irregular hours/overtime and cash/staff bonuses are not. If you are in doubt about what you can or cannot include please do not fail to submit your documentation, we will then examine the details for you, and work out what is possible. 

Is there a minimum rental period?

We provide our private housing for a minimum rental period of 1 year. For much of the social housing there is no minimum rental period.

Is anyone else permitted to act as guarantor?

No, that is not possible. Your own income must be sufficient to meet the income conditions.

I work as a temp, am I allowed to rent accommodation?

Perhaps. When you apply, the current stage of your temporary employment contract will determine this. You will have built-up more certainty about your income status if you have been working through a temporary employment contract for a longer period of time. It also depends on the number of fixed hours that you work. The more hours you work (have been working for a longer period) the better chance you will have of qualifying even though you are in temporary employment. We will be unable to provide any accommodation for rent if you have a 0-hour contract.

My income is too low, are there any other options that will still allow me to rent accommodation?

If your income from employment, pension or own company is insufficient, other options may exist for you.

Do you have any savings or own assets? If you do, we are allowed to include 10% of your savings in the calculation of your annual income. If you are able to meet this condition, please note that we will still require a bank guarantee or deposit amounting to at least three months' rent. Any amount of money in savings does not count as a fixed amount since it can be spent all at once, at any time.

It is not possible for a parent or someone else to act as a guarantor. The rental condition must be met independently by the person who is going to rent the accommodation. 

Will I be required to pay a deposit?

As matter of standard practice, we do not request a deposit. There are exceptions. Do you own a company or do you rent on the basis of your assets? If you do, we request a deposit of three to maximum six months’ rent. Each application is unique and in other exceptional cases we may also ask for a deposit so that it will still be possible for you to rent accommodation. 

Am I allowed to rent accommodation for someone else, for example, a son or daughter?

No. Unfortunately, this is not possible. The person who must comply with the rental conditions is the same person who will ultimately live in the rented accommodation.

Can I rent accommodation with a family member/friend/co-student, that is to say, someone that I do not have a partner relationship with?

In principle, it is not possible to rent accommodation with anyone other than with yourofficially registered partner (through marriage or a civil-law partnership). You can obviously rent accommodation if one of you has sufficient income. In that case, registration will be solely in the name of the person with sufficient income.

Renting accommodation with one or more co-students is not possible.

I earn my income outside the Netherlands, am I allowed to rent accommodation in the Netherlands?

No. Income derived from an incoming foreign account is not included in the evaluation. The reason for this is that in any situation arising (such as rent arrears) we will have no power or options with which to apply for any seizure of income.

I am getting divorced, what do I need to do in order to be able to rent accommodation through you?

A divorce is not only emotional, in financial terms it is often very complicated. We use the following guidelines but also cooperate with you to work out what we can do for you.

When you are going to get divorced it is important for us to be fully informed as regards the financial arrangements between the two parties involved. This is why we ask for details regarding the submission of a covenant or preliminary injunction in the event of divorce proceedings. This agreement must state what needs to be paid in terms of any maintenance, or what should happen to the rented accommodation or privately owned property. Did you live together (cohabitate), but both of you were responsible for the costs attached to the accommodation? If this was the case, then we require a discharge of joint and several liability.

It is often the case that these documents are not yet available, while at the same time, someone does already want (need) to rent accommodation. In that case, there are several options. Or we include both the mortgage costs and the expected rental costs in the calculation. This is then deducted from the income. If the applicant does continue to meet the income requirement, we can then see whether we can still offer accommodation for rent. In that case, the accommodation will be rented out on the basis of a bank guarantee or deposit. 

I have my own company, which documentation to I need to submit?

Do you own a company? If you do we will need to see the annual figures for the past two years, along with the profit & loss accounts and an accountant's statement. We also request submission of the provisional and/or final income tax assessment for those past two years. In that case, your company must already have existed for two years. Please note, in the case of an own company, we often request a deposit or bank guarantee that is equal to three months' rent. 

Do I qualify for housing benefits (rent subsidy based on income level)?

It may be possible to apply for housing benefit for homes with a rent that is lower than €710,68 per month. This depends on the rent price but also on your income level, your family composition and your assets. When you have selected your choice of accommodation, look under ‘rent subsidy’ to see whether the accommodation qualifies for subsidy. Please go to the website of the Dutch Tax Authorities (belastingdienst) to calculate whether you claim for this in your situation.