🏗️HYPOTHEEKRENTEAFTREK en de valkuilen van NIEUWBOUW – 🎙️Hypotheken Podcast #24

In this episode of the All About Mortgages podcast, we're talking about new construction and the things you really need to consider when buying a new-build home. Thomas Sies (host) and Deni Nozic (mortgage advisor & financial planner) cover all the topics: double monthly payments, how a construction fund works, what is construction interest, and which mortgage terms are important. When you buy a new-build home, the mortgage process is slightly different. Thomas and Deni discuss all the differences compared to existing homes and explain why good mortgage advice can save you thousands of euros. The episode begins with an overview of the latest news about mortgages and the housing market, and another interesting listener question is answered. In this episode: ➤ News: house prices, abolishing mortgage interest, and why 2031 is a key date ➤ New construction vs. Existing construction: the biggest differences for your mortgage ➤ Construction fund: how your monthly costs increase during construction (with example) ➤ Interest on your construction fund: amount and duration—major impact on costs ➤ Conditions precedent: 70% sold, permits, and your offer validity ➤ Cancellation costs and interest rate risk ➤ Energy label and additional borrowing capacity for new construction ➤ Additional work: a realistic rule of thumb and pitfalls ➤ Construction interest if you join the project later ➤ Listener question: what is a "Hoerabrief" (Hurray letter)? Table of Contents 00:00 - Introduction 00:57 - Mortgages in the news: prices & HRA (Dutch Mortgage Tax) 03:06 - HRA (Dutch Mortgage Tax), 2031 and feasibility 07:24 - Why the phase-out will likely be gradual 09:26 - Main topic: new construction 11:04 - Biggest difference: when do you pay all additional costs & double charges? 14:31 - Construction account explained + increasing monthly payments 16:15 - Interest on construction account: amount & duration (this involves a lot of money!) 18:38 - Conditions precedent: what are they? What are the most common conditions precedent? 19:39 - Offer validity: why is that so important for a mortgage for a new-build home? 21:23 - Good energy label → extra borrowing capacity 23:18 - Validity of new construction vs. Existing construction 25:46 - Construction interest for late entry 27:47 - Listener's question: what exactly is the hooray letter? 29:20 - Closing Why Viisi Mortgages? At Viisi Mortgages, we work differently than traditional advisors. We advise only highly qualified individuals and combine top-notch professional expertise with a pleasant and personalized process. Independent, expert, and completely transparent. No hidden interests, just maximum attention to your situation and wishes. Learn more: 🌐 Website: https://www.viisi.nl ▶️ Watch more videos:    / @viisihypotheken   🔗 LinkedIn:   / viisinl   📷 Instagram:   / viisihypotheekadvies   ⭐ Reviews: Can be found on Trustpilot, among other places: https://nl.trustpilot.com/review/viis... 🔗 FD, August 22 Should you leave the mortgage interest deduction untouched? From 2031 onwards, this will no longer be possible: https://fd.nl/politiek/1566730/niets-... 🔗 Mortgage for new construction: https://www.viisi.nl/hypotheekadvies/... 🔗 New construction or existing construction? The pros and cons at a glance: http://viisi.nl/hypotheekadvies/nieuw... 🔗 Calculating a construction fund: how does it work? https://www.viisi.nl/bouwdepot/bouwde... 🔗 Bouwdepot: frequently asked questions answered: https://www.viisi.nl/bouwdepot/ 🔗 Overview of political parties' positions on mortgage interest deduction (November 2023): https://www.viisi.nl/nieuws/laat-je-w... #AllesOverMortgotheken #Viisi #MortgageAdvice #HousingMarket #Podcast #FinancieelAdvies #Nieuwbouw #Bouwdepot #Energielabel #ConstructionInterest