Historical mortgage rates in the Netherlands 2003-2024, by mortgage term

Mortgage rates in the Netherlands increased sharply in 2022 and 2023, after declining gradually between 2008 and 2021. In December 2022, the average interest rate for new mortgage loans stood at 1.65 percent, and by the end of 2023, it had risen to 4.13 percent. The 10-year interest rate was the lowest, at 2.96 percent; the floating and less than one-year interest rates amounted to 5.13 and 4.62 percent, respectively. In early 2024, mortgage rates decreased notably.Are mortgage rates in the Netherlands different from those in other European countries?When comparing this ranking to data that covers multiple European countries, the Netherlands’ mortgage rate was similar to the rates found in Spain, the United Kingdom, and Sweden. It was, however, a lot lower than the rates in Eastern Europe. Hungary and Romania, for example, had some of the highest mortgage rates. For more information on the European mortgage market and how much the countries differ from each other, please visit this dedicated research page. How big is the mortgage market in the Netherlands?The Netherlands has overall seen an increase in the number of mortgage loans sold and is regarded as one of the countries with the highest mortgage debt in Europe. The reason behind this is that Dutch homeowners were able to for many years to deduct interest paid from pre-tax income (a system known in the Netherlands as hypotheekrenteaftrek). Total mortgage debt of Dutch households has been increasing year-on-year since 2013.

荷兰的抵押贷款利率在2022年和2023年急剧上升，而在2008年至2021年期间则逐渐下降。2022年12月，新抵押贷款的平均利率为1.65%，到2023年底，该利率已上升至4.13%。其中，10年期利率最低，为2.96%；浮动利率和不足一年的利率分别为5.13%和4.62%。2024年初，抵押贷款利率显著下降。荷兰的抵押贷款利率与其他欧洲国家相比有何不同？当将这一排名与涵盖多个欧洲国家的数据相比较时，荷兰的抵押贷款利率与西班牙、英国和瑞典的利率相似。然而，它远低于东欧国家的利率。例如，匈牙利和罗马尼亚的抵押贷款利率位居前列。欲了解更多关于欧洲抵押贷款市场以及各国之间差异的信息，请访问此专门的研究页面。荷兰的抵押贷款市场有多大？荷兰的整体抵押贷款销售数量有所增加，被视为欧洲抵押贷款债务最高的国家之一。其背后的原因是荷兰房主多年来可以从应税前收入中扣除支付的利息（在荷兰称为hypotheekrenteaftrek系统）。自2013年以来，荷兰家庭的抵押贷款债务总额逐年增加。