Would you also like to know what mortgage you can get as an entrepreneur? Hoe krijg je hypotheek voor ondernemers zonder jaarcijfers? I am a starting self-employed without annual figures, can I get a mortgage?
No, you cannot get a mortgage without annual figures. If you want to be eligible for a mortgage and you are self-employed, you normally have to show annual figures for at least three years.
Hypotheek voor ondernemers zonder jaarcijfers
However, lenders have become a lot more flexible in recent years with the requirements for entrepreneurs when providing a mortgage. This means that as a starting self-employed person you can also qualify for a mortgage, even without those three-year annual figures.
However, the minimum requirement is that as a starting self-employed person you have been active as an entrepreneur for at least twelve months in order to be eligible for a mortgage.
Take out a mortgage with NHG as a starting self-employed person
The National Mortgage Guarantee (NHG) has a special, more flexible scheme for getting a mortgage especially for the group of starting entrepreneurs who have been active for at least twelve months. This scheme differs from the standard scheme, which prescribes that you must have annual figures for at least three years.
Income statement and test income
An agency approved by NHG will draw up an income statement based on your specific information. The assessment income is thereby determined. In the assessment income, the experts look at the average income over the past three years. So have you been active as an entrepreneur for less than three years? In that case, the income from paid employment is included for the years that you were not an entrepreneur.
If this income is lower than the average, this lower income is assumed. The income in the current financial year must be in line with the average income. All data from the past three calendar years serve as the basis for calculating the maximum mortgage.
Taking out a mortgage without NHG as a starting self-employed person
It is also possible to take out a mortgage without NHG. There are a number of lenders that provide a mortgage without NHG to starting self-employed persons with only one year of annual figures. The conditions for taking out a mortgage without NHG are different from those for taking out a mortgage with NHG.
There are therefore more and more options for starting entrepreneurs to qualify for a mortgage. You should ask yourself:
Should I not wait another year or a few years so that my average income is higher and I can borrow more? Do I have sufficient certainty about my future income and do I dare to take the step to buy a house? Kan ik krijgen hypotheek voor ondernemers zonder jaarcijfers?
A financial advisor can help you answer these questions. You have to realize that with an owner-occupied home you are less flexible than with a rental home. You can also check more details on https://www.vanbruggen.nl/.
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