Personal Finance & Money Stack Exchange
Personal Finance & Money Stack Exchange

Questions tagged [netherlands]

For questions that relate to the laws, practices, and products of The Netherlands.

53 questions
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16 answers

How to best invest 90,000 EUR with zero knowledge in investing?

I have 90,000 EUR and difficulty figuring out what to do with it. This money is in a savings account with an interest rate of only 0.05%. Here in Netherlands, I pay around 600 EUR each year on this money via taxation. So, I am losing quite a lot of…
user1880405
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5 answers

I have to pay back my student loan. When is the best time to do it?

Today, I received the news that my "Payback phase" for my student loan has begun. I was afraid this day would come soon, but it came quicker than I anticipated. However, I got the news that I don't have to pay back yet. I have 2 years until my…
SpoiledMustard
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9 answers

Is it worth buying real estate just to safely invest money?

I have heard several times that a mortgage is not necessarily a good investment from an investment return point of view, but is it a good investment considering the low risk factor? Let's assume I have €80,000 and don't have my own place. I am…
user1880405
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13
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6 answers

I have just short of € 15,000 in a savings account with 0.03 % interest – do I have better options?

I am 21 years old, am in college and have a savings account with nearly € 15,000. As I understand it, inflation devalues money at about 2 % a year while the interest rate of my savings account is only 0.03 % annually. This doesn't seem like a very…
Intentionally Anonymous
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12
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6 answers

Advantages of paying more of your mortgage while you know you won't continue to live there your whole life

Recently I bought a house for 140k in the Netherlands. It had a mortgage of 110k (3,0% interest) and a startersloan of 30k (4,0% interest, no payments/interest the first 3 years). I am getting married this year and once that's done, I will have…
Kevin
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3 answers

€1000 left over at the month, is this a good plan?

I recently had a change in financial situation as well as lifestyle and I redid my budget, I now stand to have €1000 - €1200 left over at the end of every month and I'd like some advice. I'm a twenty year old in the Netherlands renting with about…
SansSkill
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2 answers

Are there any tax-beneficial accounts in the Netherlands, like the UK's ISA or US's Roth or 401K?

I am a 31-year-old non-Dutch British citizen, living and working permanently in the Netherlands, looking for a better way to save my money for the long term (primarily retirement). I am searching for any Dutch equivalents to the tax-beneficial…
Lemon
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7
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5 answers

Can I make my savings keep in check with or beat inflation over a long time period via index funds?

Context: €13000 banked on a 1% savings account. €1700 banked on a payment account. €1450 monthly income (after taxes). ~€400 monthly costs, and probably another €200-400 in incidental expenditures (food, games, clothing) I'm 21 years old. I have no…
Pimgd
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3 answers

Saving/investing instead of paying off 0.01% interest student loan. Am I missing something?

I have a rather large amount of student loans, around 40k euro. The rate is set for 5 year time periods. I have to pay 0.01% interest over them until 2020. Historically, it has rarely been higher than 0.2%. I have to pay them back over the course of…
Belle
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1 answer

Have a Dutch "banksparen" mortgage, want to get a new mortgage for a new house

One type of mortgage in the Netherlands is a "banksparen" ("bank savings", the word isn't very descriptive) mortgage. It is designed to make maximum use of tax laws: instead of paying down the mortgage, you put money on a savings account at the same…
RemcoGerlich
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1 answer

Are one-person company savings taxable in the Netherlands?

In the Netherlands, personal wealth such as bank and savings accounts over a certain amount is subject to taxes (box 3). If an entrepreneur (eenmanzaak, with or without officialy qualifying as ondernemer for the tax authorities) has a business bank…
istepaniuk
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6
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2 answers

Is the British student loan considered the same as a standard loan when applying for a mortgage abroad?

I am currently living in the Netherlands and I have quite the accumulation of UK student debt, currently it's sitting at around £50000 but based on my repayment schedule, it wouldn't affect my ability to pay back a mortgage. I've tried the online…
li x
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4 answers

Where to save for retirement

TLDR: Given the option to save for retirement in Europe, USA or Japan where is the ideal place to save up money and why? So I'm somewhat of a global citizen who has been moving around the world quite a bit. I've been extremely interested in…
MSB
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5
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2 answers

Does the Netherlands tax citizen's wealth?

This question implies that the Netherlands government taxes citizens' wealth year after year; even well beyond it originally being earned by the citizen. Is that true?
Raven
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5
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What is the capital gains tax on stocks in Netherlands?

Pretty simple question - but I have read conflicting pieces saying in some cases capital gains is 0% in Netherlands and other places that it is 25%. Can anyone share details on the rate of capital gains in the Netherlands for an individual? (in…
bp2010
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