At the end of this year, the house prices are expected to be about 6.5% higher than at the end of last year, as ING Research predicts on Thursday in a report on the Dutch housing market.
For 2026, the researchers assume an average price growth of 4%. Last year, according to the CBS, the prices of owner -occupied homes rose by an average of almost 9%.
Maximum mortgage amount
“We expect home buyers to be able to offer more for an owner -occupied home at the end of next year because the maximum mortgage amount is continuing, but at a less strong pace than in recent years,” the researchers said.
This is because ING still expects an average CAO wage increase of 4.5% for this year, while this prognosis is 2.6% for 2026.
“At the same time, we expect that capital market rates will remain reasonably at the same level until the end of 2026 compared to the end of last year. That increases the chance that the long -term mortgage rates will also remain at about the same level.”
According to the researchers, the persistent shortage on the housing market continues to give an upward pressure on house prices. “The range of homes for sale is limited and that provides little options for buyers. Because of this shortage, there is a lot of competition between buyers, with the result that especially the prosperous households succeed in buying.”
A price-pressing effect is expected from the sales wave of rental properties, which come to the purchase market because landlords suffer from the tax burden and anti-investor laws.
“We expect investors both this year and next year to sell their rental properties and have a lesser interest in purchasing homes. This development will dampen the upward power of house prices,” the researchers said.