Box 3 verandert alles: wordt schulden hebben straks slim? | 🎙️Hypotheken Podcast #30

In this episode of the Alles over Hypotheken Show, Hergen and Deni bring you up to speed on the latest developments in the housing market and the impact of rising interest rates on your mortgage options. Additionally, they dive deep into the announced Box 3 changes starting in 2028. What do these tax plans mean for savers, investors, and homeowners? And when might it be smart to place (part of) your mortgage in Box 3? Also in this episode: ➤ Are house prices really falling, or is this a seasonal effect? ➤ What do rising mortgage rates mean for your maximum mortgage? ➤ Why the housing market is still a seller's market ➤ Why some people consciously want to place their mortgage in Box 3 ➤ When interest-only borrowing can be smart ➤ How wealth tax will influence mortgage choices ➤ Listener question: borrowing fully interest-only, smart or not? 📚 Table of Contents: 00:00 - Intro 00:43 - Are house prices really falling? 02:24 - Is the housing market cooling down? 04:43 - Should you buy a house now or wait? 05:12 - Processing times at lenders 07:34 - Rising mortgage rates explained 09:42 - Main topic: Box 3 and mortgages 10:55 - Difference between Box 1, 2, and 3 12:02 - New Box 3 rules from 2028 14:00 - Why a mortgage in Box 3 can be interesting 16:28 - How do you convert a mortgage to Box 3? 18:58 - When do you lose mortgage interest deduction? 20:00 - Why debt is becoming more tax-efficient 22:31 - Fact or fiction: seasonal effects on the housing market 24:05 - Listener question: borrowing fully interest-only 26:16 - What should you watch out for in the coming weeks? 26:56 - Closing Why Viisi Hypotheken? At Viisi Hypotheken, we work differently than traditional advisors. We advise exclusively highly educated professionals and combine top-quality professional expertise with a pleasant and personal process. Independent, expert, and fully transparent. No hidden interests, but maximum attention to your situation and wishes. Do you have questions about your mortgage, Box 3, interest-only borrowing, or the impact of new regulations? Feel free to contact us! Or leave a comment below this video. #AllAboutMortgages #Viisi #MortgageAdvice #Box3 #MortgageInterestRates #HousingMarket #InterestOnly #WealthTax #HousePrices #FinancialAdvice #Podcast