Save for a while: you need that much money as a starter for a house in Zoetermeer

You’ve thought about it for a long time, but now you know for sure: you want to buy a house. Then you must have a well-stocked piggy bank – especially in this time. How much of your own money do you need on average for a house in Zoetermeer? That’s what comparison website Independer was looking for.

Good to know: what exactly is meant by own money? It concerns an amount that is separate from the money that you can borrow from the bank. This money comes from your savings account or from a gift.

National average

How much of your own money you need depends on your situation. As a single person you need much more money of your own than as a couple. In addition, it also differs how big your future home is. Nationally, single starters with an average income need 38,000 euros to purchase their first home. That is more than a gross annual income if you earn an average.

Own money in Zoetermeer

What about Zoetermeer? Do you also have to have a big piggy bank here? Conclusion: especially as a single you need to have a large piggy bank and the differences compared to starting couples are very large. As a single under the age of 35, with an income of 38,000 gross per year, you need an amount of 3,6785 euros in your own money for a cottage of 60 m2. But if you want a larger home, you must have an amount of 149,201 euros in your bank account for, for example, an area of ​​100 m2. And even more extreme: for 120 square meters an amount of almost 2 tons is needed to be allowed to buy a house.

In this case, it is better to pick a nice partner off the street as a single, because that saves you a lot in the wallet. You must both earn an income of 38,000 gross per year. A house of 80 m2 requires 4,991 euros of own money. For a house of 120 m2, an amount of 3,410 euros. What a difference with the singles!

By the way, if you want to buy a house of 120 m2 in The Hague as a couple, you need an amount of 117,723 euros in your own money. What a difference with Zoetermeer. The only way to get this kind of money is to save for later from childhood, have rich parents who contribute a lot or win the lottery.

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Source: independer

Most expensive city

It is therefore not easy for starters in Zoetermeer, but it could be worse: in Amsterdam a single person who earns an average income has to invest more than – hold on – 253,000 euros.

Starter loan

Some municipalities help starters by providing a starter loan. This can be very useful in this housing crisis. In almost two hundred municipalities in the Netherlands you can apply for a starter loan, but unfortunately no longer in Zoetermeer since 2016. We can do a loan request if we want to make our home more sustainable. This makes it easier to invest in, for example, solar panels or insulation.

Alternatives

Are you looking for a new home, but you don’t have enough money? Perhaps your parents or guardians can support you financially? The tax uses the so-called ‘jubelton’. This means that you can receive an amount of 106,671 euros tax-free for the purchase, renovation or repayment of a home.

Is buying not an option? Then it might be an idea to focus on the rental housing market, to live anti-squat or to be patient and hope for better times.