1. Your financials
2. Partner financials
3. House
4. Mortgage rates (NHG, April 2026 defaults)
5. Sub-rent (kamerverhuur) — tax-free up to € 6.633 / yr
The kamerverhuurvrijstelling (KVV) lets you collect up to € 6.633 / year from renting a room in your owner-occupied home completely tax-free; rented portion stays in Box 1. Cliff edge: earn €1 over → the rented portion (by floor area) moves to Box 3: tax = WOZ × m²-fraction × 6,00 % × 36 % (2026 rates), independent of actual rent. HRA & EWF reduce proportionally too.
6. Extra repayment
7. Starterslening — optional municipality starter loan
An SVn-administered second mortgage some municipalities offer to first-time buyers — bridges the gap between your LTI cap and the home price. Wageningen does not participate; pick a nearby gemeente. Payment-free for years 1–3 (rente is paid by the SVn fund, not capitalised), then amortises over the remaining 27 years at 4.40 % (15-year fixed). The numbers below assume you take the loan you specify on top of your primary mortgage.
Source: SVn leningzoeker API + per-product-page parse, svn.nl product page · Rate: svn.nl/rentetarieven (4.40 %, 15y fixed; 4.00 % toetsrente). Year-15 reset modelled — set the field above to your scenario.
8. Bouwdepot — renovation financed inside the mortgage
A bouwdepot lets you borrow extra (on top of the purchase price) for renovations. The bank holds the funds and pays them out as you submit invoices. During the depot period the undrawn balance earns depot rente (typically equal to the mortgage rate) which offsets the interest you owe on it — so you only effectively pay interest on the drawn portion. Energy-saving (verduurzaming) renovations push the NHG cap up to +6 %. Any unspent balance at depot end is applied as a one-off principal reduction (annuity is recomputed on the new balance over the remaining term).
Sources: nhg.nl (kostengrens 2026 + verduurzamingsbonus), belastingdienst.nl (eigenwoningregeling: bouwdepotrente ontvangen verrekend met betaalde rente in HRA), restauratiefonds.nl (NRF Restauratiefonds-hypotheek, 1.00 % vloer), cultureelerfgoed.nl (Instandhoudingssubsidie woonhuizen rijksmonumenten, 38 %, max €38.000/jr per object). OVB stays on purchase price only — bouwdepot does NOT increase transfer tax. Old monumentenaftrek (extra HRA on restoration) was abolished 1-Jan-2019.
Scenario comparison — 8 setups side by side
How is "viability" computed?
Per-scenario amortisation breakdown
How to read the chart: bars and cost lines use the LEFT axis (€ per year you spend);
the emerald line uses the RIGHT axis (€ of loan still owed — a much bigger range).
Each year you pay a fixed monthly amount to the bank. That amount splits into:
loan repayment (cyan, shrinks your debt) +
interest (magenta, the bank's profit). The full bar = total cash sent to the bank that year.
The Dutch tax office refunds part of the interest (the HRA — hypotheekrenteaftrek); the dashed
yellow line shows what you actually pay after that refund.
If you rent out a room, the dotted violet line subtracts that rent income too.
Year by year the yellow line creeps closer to the bar top — less interest paid = less HRA refund.
