Raboresearch reports that. According to Rabobank’s economists, the fact that people are abandoning their wishes naturally has to do with rising house prices: in 2023, two in three owner -occupied homes could no longer be financed with an average income. In particular, households with an income of less than twice average – that was around € 89,000 in 2024 – now also indicate that an owner -occupied home is no longer within their options.
House
The purchasing wishes are a trend break, because since the financial crisis, this purchase of the buyers who had not yet had their own home has risen continuously. In 2021, about 58% of 25 to 34-year-olds wanted to move to a house for sale, in 2024 that was 52%.
Monthly payments for new home buyer in recent years
According to the bank, the purchasing opportunities from 45-miners also show themselves in the homeowning. In 2019, Rabo economists already signaled a decreasing home ownership among people who earn less than twice, but since then the share of households from younger than 45 with an owner-occupied home has only fallen further.
All of the Netherlands
This development is not only visible in urban areas, where it is usually more difficult to buy, but also in the rest of the country. Everywhere the home ownership of 45-miners is decreasing. Moreover, there is no difference between different age cohorts: both the possession of 25-miners, people from 25 to 35 and people from 35 to 45 decreases home ownership.
Younger pays blue to rent: ‘Corporation home is increasingly difficult to find’
In the meantime, even the total share of households with a owner -occupied home in the Netherlands is falling very lightly, the economists report. According to them, that is strongly related to the rise of investors after the financial crisis of 2008, who bought existing owner -occupied homes to rent out, making the supply of owner -occupied homes tirer. Incidentally, those investors recently also sold many homes due to unfavorable rental conditions.