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When you want to sell your house and you have an equity value on your home, you naturally wonder what to do with it. Of course, another point is, you are going to sell your house and does that involve tax? How does the tax authorities look at this? It is therefore wise to determine what you are going to do with this equity when you are going to sell. There are different options and differences when you buy a new house with the money or when you use the money for other things.
The equity of your house is the difference between the (remaining) mortgage and the home value, everything in between is equity. If this amount is negative, we are talking about residual debt. Nowadays many people have a surplus value. When you sell your house, you can use the equity to invest in your new home. The equity ensures that you have less financial risk when house prices fall.
Yes, you can do whatever you want with the equity. Even if you make the profit, there is no one who can forbid you. If you are planning to buy a new house in the near future, it is different. The tax authorities have an 'additional loan scheme', in which case you use the equity of your old house in addition to the future mortgage to buy a new house, then you may deduct mortgage interest from the tax authorities with your tax return. If you do not use the equity when purchasing a new home, you may not use the mortgage interest deduction.
If you are going to buy your next home within three years, after it has been sold. If you soon have to deal with the additional loan scheme, you may not deduct all the mortgage interest if you buy a new house and have the full purchase price financed by means of a mortgage. The tax authorities want you to eventually use the equity in your next home.
In the Netherlands we do not pay tax on the profit from the home, so it is possible that a considerable amount is released in one go. If you have not bought a new home with the equity of your home, you only have to pay tax when the home has been sold. There is therefore a chance that the surplus value, i.e. the capital, will fall into box 3 (savings and investments).
Which costs are deductible when selling?
Non-deductible costs when selling
If your home has equity or residual debt, this ultimately also affects your tax return and what you owe the tax authorities. In the annual declaration you must declare the sale and purchase separately. When selling, you always pass on the sales price minus the sales costs incurred, such as any brokerage fees and the remaining mortgage amount. In this way you pass on the equity or residual debt to the tax authorities.
If you are not sure about your tax return, it can be useful to look at this with a tax advisor, via myonlinetax advisor you can easily schedule an online appointment with an advisor.
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We select the number of agents that fit your needs.
The selected real estate agents will contact you without any obligation.
Finally, you choose the agent that suits you best!
December 1, 2021
Easy and fast
They found me a couple of makelaars so fast and I could choose the one that I liked the most without any cost.
December 1, 2021
It was very easy for him to get the appointment for viewing and even giving the good bids
27 Aug 2021
See below our FAQs about the services of Juiste Makelaar.
What does Juiste Makelaar do?
We are a real estate agent comparison service active throughout the Netherlands. Based on your preferences and our unique real estate agent database, we match you with the best agent for your situation. Before we get you in touch with the selected agents, we will contact you to complete the matching. So there are no surprises. After that, you will receive the selected estate agents by e-mail and they contact you themselves. Then you choose the best real estate agent for your situation.
How do you compare real estate agent within the Netherlands?
In your request we ask specifically for a number of preferences which we combine with our unique real estate agent database. After you have filled in these details, we will always contact you personally so that we can complete the entire comparison.
Is my request on the website of Juiste Makelaar for free?
Yes, of course it is! This application is completely free of charge for you. We are more than happy to put you in contact with the selected real estate agents for free and without any obligation. Once you have finally agreed with an real estate agent to work together, we ask a small fee from the estate agent.
What happens when I have completed the comparison?
Immediately after completing your requests, you will receive a confirmation. Unfortunately, this one is in Dutch, but no worries we will continue helping in English! After that we will contact you by phone, unless you prefer to be contacted in another way. If everything is to your satisfaction, the selected real estate agents will then contact you. Finally, you decide with which estate agent you have the best connection and with whom you would like to work.
Can I compare real estate agents anywhere in the Netherlands?
Yes, we can help you finding a suitable real estate agent throughout the Netherlands. This is partly due to our the large number of partners, so we can help you as best we can anywhere in the Netherlands.
What are normal brokerage fees for a real estate agent when selling a house?
The average sales commission for an real estate agent in the Netherlands lies between 1 and 1.5 percent. However, this depends on what you agree with the real estate agent in question. You can think of a bonus agreement or a different set of tasks.
If you would like to know more, carry on reading on the next page here further
What are normal brokerage fees of a buying real estate agent?
In many cases, a purchase agent charges a lower brokerage fee than a selling agent. The average fee in the Netherlands for a buying real estate agent is between 0,5 and 1,0 percent. Also with a buying agent, the commission depends on the purchase price, the activities and the place where you want to buy a house in the Netherlands. Is the place or neighbourhood very popular? Then the estate agent can charge higher costs.
Would you like to know more about the costs of a purchase broker? read here further
Can I also get a price list from different real estate agents?
No, because all real estate agents in the Netherlands have different working methods, it is not yet possible to send a standard list. This is partly due to various aspects, such as that you can agree performance bonuses with estate agents, as a result of which the standard commission is lower, or that you carry out a number of tasks yourself. Other reasons for not being able to give a standard price list are: the sales rankings of estate agents, the location of your home, the quality of the estate agent and extra services that estate agents offer.