Dzimba dzinenge dzese muNetherlands dzinoshambadzirwa nemutengo wekosten koper : mutengo ndiwo mutengo weimba, uye mari yekuichinjisa ndeyako. Mari huru pane idzi ndeyemutero wekutamisa imba, unobhadhariswa pa2, 8 kana 10.4 muzana zvichienderana nezvaunotenga uye zvauchaita nazvo. Peji rino rinotsanangura mitengo mitatu uye kwainobva, kuregererwa kwemutangi, zororo rinokosha uye mimwe mari yekugadzirira bhajeti. Ruzivo rwepamutemo, kwete mazano emitero kana emari pakutenga kwako wega; kuti uwane rubatsiro rwemutero pakutengeserana kwakati, bvunza mupi wezano wemitero.
Zvinorevei "kosten koper" uye kuti yakasiyana sei ne "vrij op naam"
Kk ( kosten koper , "mari yemutengi") zvinoreva kuti mutengo wakashambadzirwa haubatanidzi mari yekutumira; unobhadhara dziri pamusoro. Von ( vrij op naam , "yemahara pazita") zvinoreva kuti mutengo watove unosanganisira mutengo wekuisa imba muzita rako. Musiyano uyu unonyanya kutevedzera zvakashandiswa pakuvaka zvitsva: dzimba dziripo dzinowanzo kutengeswa kosten koper , dzimba itsva kubva kumugadziri vrij op naam , nekuti VAT pane mutero wekutumira inoshanda uye mugadziri anoivaka mumutengo.
Mutengi anowanzo takura zvinhu zvinotevera pasi pekosten :
- mutero wekutamisa (overdrachtsbelasting);
- muripo wegweta rekutumira gwaro (leveringsakte);
- kunyoresa minda (Cadastre) muripo wekunyoresa gwaro iroro;
- uye, nechikwereti chemba, gwaro remugodhi uye mari yeKadaster yechikwereti chemba.
Hazvibhadhare komisheni yemutengesi, iyo inobhadharwa nemutengesi, kana zano remutengesi wako, ongororo, kuyera mutengo kana rezinesi remba. Uye vrij op naam hairevi kuti hapana muripo zvachose: pamba itsva yemba, gwaro rechikwereti nekunyoreswa kwayo zvinoramba zviri zvako.
Mutero wekutumira (overdrachtsbelasting): mitengo mitatu
Mutero wekutamisa unobhadhariswa pakutenga pfuma isingafambi muNetherlands uye kodzero pamusoro payo, dzakadai sekurenda kwenguva refu ( erfpacht ) uye kodzero dzekuvaka ( opstal ). Mitengo yacho iri muchikamu 14.
Chimiro chakachinja musi wa1 Ndira 2026. Kusvika pakupera kwa2025 pakanga pasina mutero wakasiyana wedzimba dzaisazogara mutengi: dzakawira pasi pemutero we10.4%. Kubva pazuva iroro chikamu 14 chine mutero wakasiyana we8% wekutenga imba, ne2% inochengetwa kune mutengi anogara mairi senzvimbo yavo huru yekugara uye 10.4% inosara semutero wezvese zvimwe. Mitengo iri mumutemo uye inochinjwa kuburikidza nehurongwa hwegore negore hweBelasting, saka inoramba iripo kusvika Paramende yagadzirisa; Belastingdienst inoburitsa mutero unoshanda chero pazuva rakapihwa.
| Chii chinowanwa | Kubva 1 Ndira 2026 | Kusvikira 31 Zvita 2025 |
|---|---|---|
| Mutengi achagara senzvimbo yake huru yekugara, kunze kwenguva pfupi | 2% | 2% |
| Kugara kwemutengi kuchaita kwete kugara — kutenga-ku-rent, imba yezororo, imba yakatengwa yemwana kana kuburikidza nekambani | 8% | 10.4% |
| Nzvimbo dzisiri dzekugara — nzvimbo dzebhizinesi, mahofisi, garaji riri papurazi rakasiyana, nzvimbo yekuvaka | 10.4% | 10.4% |
| Mutengi wekutanga anokodzera pasi pemutemo wekutanga | 0% | 0% |
| Muganho wekukosha kwekuregererwa kweStarter (woningwaardegrens) | Inonyorwa musi wa1 Ndira wega wega uye inoburitswa neBelastingdienst | |
Pfupiso dzekare dzichiri kuratidza 10.4%
Mitengo mitatu iyi inogadziriswa: 2% yeimba inogarwa nemutengi senzvimbo yavo huru yekugara, 8% yeimba isingagarwi nemutengi, uye 10.4% semutengo wezvinhu zvisiri zvekugara. Nekuti mutengo we8% mutsva, pfupiso dzekare nemapeji evapi vemazano dzimwe nguva zvinopa 10.4% yekutenga-ku-rent, imba yechipiri kana imba yezororo - mutengo wakashanda kusvika pakupera kwa2025, asi kwete wekutenga mushure meizvozvo.
Mapeji emitengo yeBelastingdienst anotonga. Tarisa nzvimbo pazuva rekunyora gwaro rako uye kumbira notary wako kuti asimbise mutengo usati wasaina.
Kusunungurwa kwemutangi (startersvrijstelling)
Mutengi anozadzisa chero chinodiwa haabhadhare mutero wekutamisa zvachose. Kuregererwa kuri muchikamu 15 chemutemo weWet op belastingen van rechtsverkeer, chinodiwa chekuzivisa chiri muchikamu 15a. Zvese zvinotevera zvinofanirwa kuzadzikiswa:
- Age. Mutengi anofanira kunge aine makore gumi nemasere zvichikwira uye asati asvitsa makore makumi matatu nemashanu kana gwaro rasaina. Muedzo uyu unoshanda pamutengi wega wega: kana mumwe wevaviri vanotenga pamwe chete aine makore makumi matatu nemashanu zvichikwira, mugove wemutengi anokodzera chete ndiwo unosunungurwa.
- Kamwe chete. Mutengi haafanire kunge akashandisa mvumo yekusabhadhara imba kare. Kumbova nemba kare hakurevi kuti haufanirwe kuibhadhara; kushandisa mvumo iyi hakurevi kuti haufanirwe kuibhadhara.
- Muridzi-basa. Mutengi anofanira kushandisa imba iyi senzvimbo yake huru yekugara kwete kwenguva pfupi. Kutenga imba yekurenda, kugadzirisa nekutengesazve, kana seimba yechipiri hazvikodzeri.
- Muganho wekukosha. Kukosha kweimba nezvinhu zvayo hazvifanirwe kudarika woningwaardegrens. Muganho iwoyo unonyorwa musi wa1 Ndira wega wega uye unoburitswa neBelastingdienst, saka tsvaga gore rebasa rako. Idambudziko guru, kwete bhendi: euro imwe pamusoro uye kusunungurwa kunodzikira zvachose, ne2% inobhadharwa pamutengo wese pane yakawandisa.
Muganho unonyorwa uye unoshanduka musi wa1 Ndira wega wega, saka pakutenga kwava pedyo nemuganho, zuva rekupedzisa pacharo rinogona kuchinja mhedzisiro.
Chiziviso chakanyorwa, uye chii chinoitika kana chisina kururama
Mutero we2% kana wemutangi hazvishande otomatiki. Chinyorwa 15a chinoda kuti mutengi ataure, zvakajeka, zvakasimba uye pasina kunyunyuta, muchirevo chakanyorwa, kuti achashandisa imba iyi senzvimbo yavo huru yekugara kunze kwenguva pfupi - uye, kuti abvumidzwe kutanga, kuti haana kumbobvira aishandisa kare. Belastingdienst inoburitsa mafomu akajairwa, uye chirevo chakasainwa chinofanira kusvika kuna notary chisati chaendeswa.
Chiziviso ichi chine chekuita nechinangwa chako panguva yekutenga, kwete vimbiso yekuti hapana chichachinja: kana uchida zvechokwadi kugara ikoko uye mamiriro ezvinhu akazokumanikidza kuti utame kana kukwereta, rubatsiro harurasikirwi nekudzokera shure. Chisingabvumirwi kuzivisa chinangwa chausina. Kana chiziviso chacho chikaratidza kuti hachisi chokwadi, Tax Administration inogona kuwedzera kuongororwa ( naheffingsaanslag ) kwemusiyano pamwe nemubereko uye kuisa chirango kana mutero ari iye ane mhosva. Zvirango zvekudzoserwa kwemari zvisiri izvo kana kusina kukwana ndezviya zveArt. 67d uyeArt. 67e AWR; kugadziriswa kwekuzvidira kunoitwa mukati memakore maviri musimboti kunodzivirira chirango chakadaro.
Ndiani ane mutoro, uye kuti mutero unobhadharwa sei
Mutero wekutumira unobhadhariswa kune anowana - mutengi; mutengesi haana mhosva. Unozviongorora wega, asi pakutenga kwakajairika hausi kuisa chero chinhu iwe pachako: kana kutumirwa kuri negwaro remutemo, sezvazvinofanira kunge zviri zvepfuma yakanyoreswa, gweta remutemo wehurumende rinoisa gwaro redhijitari uye rinobhadhara panzvimbo yako. Saka mutero unoonekwa pagwaro remutemo remutemo wepamutemo ...
Kuregererwa uye kuregererwa kwakakosha mukuita
Kutenga nguva pfupi mushure mekutenga kwekare
Chinyorwa 13 chinopa zororo kana pfuma imwe chete ikatorwa zvakare mukati memwedzi mitanhatu kubva pakutenga kwekare nemumwe munhu. Hwaro hwekutenga kwechipiri hunoderedzwa nemari yakapihwa mutero wekutamisa, kana kuti VAT isingabvisirwe, pane yekutanga, saka mutengi wechipiri anobhadhariswa mutero chete pakuwedzera kwemutengo.
Izvi zvinobatsira mutengi anotenga kubva kune mumwe munhu achangotenga, uye ndizvo zvinoita kuti kutengesazve kwenguva pfupi nemutengesi kana mugadziri wezvinhu kushande. Rubatsiro rwacho rwunobatanidzwa nepfuma uye nguva yemwedzi mitanhatu, kwete kuzivikanwa kwemutengesi, saka bvunza kuti mutengesi akatenga riini.
Kutamiswa kwemhuri, kurambana nenhaka
Kuwana nhaka kana pasi pemutemo wepfuma yewanano hakusi kutora mutero, saka hapana mutero wekutamisa imba unomuka kana wagara nhaka imba kana kuti pfuma ikawira kwauri kuburikidza nenharaunda yewanano; mutero wenhaka unogona kumuka panzvimbo pezvo. Pakurambana, kupatsanurwa kwenharaunda yewanano kana pfuma yakabatana pakati pevaimbova vakaroorana kunofukidzwa nekuregererwa muchikamu 15, saka kana imba yemhuri ikapihwa mumwe wevakaroorana hapana mutero wekutamisa unobhadharwa. Nzvimbo yevanogara pamwe chete vasina kuroorana yakamanikana uye inotenderera pakuti muridzi weimba wakatanga sei.
Kutamiswa kwemari pakati pemhuri, zvinopesana nepfungwa yakapararira, hakuwanzoregererwa . Mubereki anotengesa mwana anowira pasi pemutemo wenguva dzose: 2% kana mwana achizogara ikoko, kana kuti hapana kana achikodzera kuva wekutanga. Kusabvumidzwa kwemhuri muchikamu 15 kwakanangana nekutsiviwa kwebhizinesi, kwete imba yemhuri. Kana imba ikatengeswa kuhama iri pasi pemutengo wemusika, mutero wechipo unogona kumukawo, uye mutero wekutamiswa ndiwo mutengo wemusika, kwete mutengo wakabvumiranwa.
Imba itsva yakavakwa: VAT pachinzvimbo chemutero wekutamisa
Kuvaka kutsva hakubhadharwi mutero kaviri. Kana zvinhu zviri kutengeswa zvichibhadhariswa VAT — kazhinji, chivako chitsva chakapihwa makore maviri asati asvika kana mukati mekugara kwekutanga, uye ivhu rekuvaka — kusabhadharwa muchikamu 15 hakushandisi mutero wekutamisa, saka mutengi anobhadhara 21% VAT uye hapana 2% kana 8%. Uyu ndiwo mutero wesamenloopvrijstelling.
Ndosaka new-build yakataurwa kuti : iyo 21% iri mukati memutengo wemugadziri kwete pamusoro. Kusunungurwa hakushandi kana mutengi achigona kudzosa VAT, saka vanoisa mari nemakambani vanoda mazano akasiyana. Uye nzvimbo yekuvaka haisi imba yekugara: apo mutero wekutamisa unoshanda kune purazi kwete imba, mutengo wacho i10.4%.
Mari yemumwe mutengi
Mari dzemanotari hadzina kugadzwa nemutemo uye dzinosiyana zvichienderana nemahofisi nemaguta, saka tora makotesheni maviri kana matatu. Mari yekunyoresa Kadaster yakatarwa uye notari anoipfuudza nemutengo.
| mutengo | Ndiani anowanzobhadhara | Zvinokwanisika kubhadhara mutero wemari here? |
|---|---|---|
| Mutero wekutamisa | mutengi | Aihwa |
| Gwaro rekunyora (Notary) — gwaro rekutumira (deed of transfer)leveringsakte) | Mutengi (kk) | Aihwa |
| Kadaster — kunyoreswa kwegwaro rekutumira | Mutengi (kk) | Aihwa |
| Gwaro rekuchengetedza mari — gwaro rechikwereti (hypotheekakte) | mutengi | Ehe - mari yekubhadhara |
| Kadaster — kunyoreswa kwegwaro rechikwereti chemba | mutengi | Ehe - mari yekubhadhara |
| Mupi wezano wechikwereti chemba uye mari yekuronga bhangi | mutengi | Ehe - mari yekubhadhara |
| Kuyera mutengo (mutero) yechikwereti chemba | mutengi | Ehe - mari yekubhadhara |
| Mari yeNational Mortgage Garanti (NHG borgtochtprovisie) | mutengi | Ehe - mari yekubhadhara |
| Mumiriri wekutenga (aankoopmakelaar) | mutengi | Aihwa |
| Ongororo yezvivakwa (kuongorora chimiro) | mutengi | Aihwa |
Chii chinobvisirwa mari uye chii chisiri
Mutsetse wekuparadzanisa uri nyore: mari yekutenga imba haibviswi, mari yekugadzirisa chikwereti . Pasi pechinyorwa 3.120 Wet inkomstenbelasting 2001, mari yekubhadhara imba yako kamwe chete inobviswiswa mugore rawakaita - gwaro rechikwereti, kunyoreswa kwaro, mupi wezano, kukosha kwechikwereti uye muripo weNHG. Mutero wekutumira, gwaro rechikwereti, kunyoreswa kwaro, mumiriri wako wekutenga uye ongororo hazvikonzeri zororo.
Chivimbiso cheNational Mortgage Guarantee ( Nationale Hypotheek Garantie ) hachina kusarudzwa uye chinowanikwa chete kusvika pamari yepamusoro yechikwereti. NHG inoisa muripo wevimbiso wekamwe chete ( borgtochtprovisie ), chikamu chidiki chechikwereti, uye huwandu hwacho hwepamusoro, hunova hwakakwira apo matanho ekuchengetedza simba anotsigirwa nechikwereti. Zvese zvinogadziriswa gore rega rega uye zvinoburitswa muVoorwaarden en Normen, uye shanduro iri kushanda apo chikwereti chechikwereti chinopihwa inoshanda, saka tarisa nhamba dzegore rechikwereti chako pane gore rekupedzisa. Vanokweretesa vanowanzopa mubereko wakaderera mukudzoserwa, saka vimbiso inowanzobhadhara yega.
Mari yekunyoresa gwaro rechikwereti (Kadaster) inobhadharwa neTarievenregeling Kadaster uye yakafanana neyekutumira gwaro rechikwereti (transfer deed) negwaro rechikwereti (mortgage deed). Mari iyi inobhadharwa gore rega rega neKadaster uye inoburitswa muStaatscourant. Kutumira nemagetsi nenzira iyo Kadaster inogona kugadzirisa yega, inova nzira yakajairika yekutenga imba, yakachipa pane gwaro rechikwereti. Bvunza mari iripo mukotesheni; notary anovapa mari yacho pamutengo.
Zvekushandisa pabhajeti: rondedzero inoratidza
Mifananidzo iri pazasi inongoratidza chete : chidimbu chakavakwa kubva muzvikamu zviri pamusoro, kwete quotation. Chinhu chemutero chete ndicho chinogadzwa nemutemo.
- Mutengi wekutanga anokodzera, imba iri pasi pemuganho: roughly 1.5% kuti 3.5% — hapana mutero wekutumira, saka mari yekunyora gwaro remutemo neKadaster, mari yekubhadhara uye chero mumiriri kana ongororo yaunosarudza.
- Muridzi weimba anobhadhara 2%: roughly 4% kuti 6%Mutemo wekuti "vanenge 5% pamusoro" unoshanda munyaya iyi, uye munyaya iyi chete.
- Mutengi asingazogari, achibhadhara 8%: roughly 10% kuti 12% — yakaderera pane kutenga kwakafanana naikoku kusati kwasvika 2026, apo mutengo waive 10.4%.
- Imba isiri yekugara pa10.4%: roughly 12% kuti 14%, kazhinji, sezvo kuongorora kwakakodzera kuchirema.
- Kuvaka kutsva, vhura zita rako: 21% VAT yatove mumutengo, saka bhajeti chete mari dzine chekuita nemortgage.
Kana uri kushanda pakutenga pachako kwete pamutengo wayo chete, gwara redu rekutenga imba muNetherlands rinotsanangura chibvumirano, nguva yekudzikamisa imba uye mamiriro ezvinhu.
Nyevero mbiri: Vanokweretesa vekuDutch havawanzobhadhara mari yemutengi, nekuti chikwereti chinovharirwa nekukosha kwepfuma, saka kosten koper inowanzobva mukuchengetedza. Uye kana ukatenga pamwe chete nemumwe munhu asingakodzeri kutanga, enzanisa mutero wemugove wega wega zvakasiyana.
Munhu wekune imwe nyika anogona kutenga imba muNetherlands here, uye inodhura kupfuura ipapo?
Hapana mutemo werudzi kana wekugara pakutenga pfuma isingatamike pano, uye hapana muripo wekuwedzera kune vanotenga vekunze. Chinonyanya kukosha hachisi rudzi rwako asi kuti uchagara here mumba macho: munhu anotenga imba yekugara kunze kwenyika anobhadhara 2% zvichienderana nezvinodiwa nemutengi wekuNetherlands, nepo mumwe munhu anotenga semari yekudyara achibhadhara 8%.
Ndine makore makumi matatu nemana uye ndinotenga imba yangu yekutanga yekuDutch iri pamusoro pemutengo wakatarwa. Ndingasunungurwa here?
Kwete. Kuregererwa kunorasika zvachose kana kukosha kwacho kwapfuura mari ye winingwaardegrens, uye kunosara papfuma yese kwete pane yakawandisa chete. Iwe unozobhadhara 2% pamutengo wakazara, chero bedzi uchizogara ipapo senzvimbo yako huru yekugara uye wonyora gwaro kuna notary; euro imwe pasi pemuganho pane zvimwe chetezvo hapana chaunobhadhara. Muganho unonyorwa musi wa1 Ndira wega wega uye unoburitswa neBelastingdienst, saka zuva rekupedzisa mativi ese egore rinogona kusarudza mhedzisiro.
Ndichagara mumba pakutanga asi ndichaiburitsa mushure memakore maviri. Ndingazvizivisa sei?
Zivisa chinangwa chako chechokwadi panguva yekutenga imba. Kana uchida zvechokwadi kugara panzvimbo iyi senzvimbo yako huru yekugara kwete kwenguva pfupi, chiyero che2% chinoshanda, uye shanduko yehurongwa gare gare inokonzerwa nemamiriro ezvinhu chaiwo haichinje. Asi chinangwa chakatangwa pakutanga chekugara kwenguva pfupi wobva warega hachisi icho, uye kutaura zvimwe zvinogona kukonzera njodzi yekuongororwa uye kurangwa.
Mutengesi anobhadhara chero kosten koper here?
Kwete. Mutengi anobhadhara mutero wekutamisa, gwaro rekutumira uye kunyoreswa kwaro. Mutengesi anobhadhara mumiriri wake wekutengesa pamwe nemari yekubvisa chero mortgage iripo kubva kurejista. Pasi pemutemo wekuvaka mutsva, mari yekutumira inosiyana - asi mutengi anotora mortgage achiri kubhadhara gwaro remort.
Mutero wekutumira mari unofanira kubhadharwa here kana mumwe wangu akawedzerwa kumagwaro ebasa?
Zvinoenderana nekuti sei. Pfuma inowira mumwe wako kuburikidza nehukama hwemhuri haisi mari inobhadharwa, saka hapana chinofanira kubhadharwa. Kuendesa hafu yemugove kune mumwe wako asina kuroora kana kuroorwa inyaya yakajairika, inobhadhariswa mutero pamutengo wemugove iwoyo - pa2% kana vachizogara ikoko, kana 8% kana vasingagare. Tsvaga mazano usati wagadzirisa muridzi wepfuma.
Ndeipi mari yekutenga kwangu yandingabvisa kubva pamutero wemari yangu?
Mari yekuronga chikwereti chete: gwaro rechikwereti nekunyoreswa kwaro, mupi wezano, kuyera kukosha kwechikwereti, uye muripo weNHG. Izvi zvinobviswa mugore rakawanikwa pasi pechinyorwa 3.120 Wet inkomstenbelasting 2001. Mutero wekuchinjisa, gwaro rechikwereti rekuchinjisa, kunyoreswa kwaro, muripo wemumiriri wako wekutenga uye ongororo hazvifanirwe kuchengetwa. Chengeta gwaro rekupedzisa remunotari, iro rinotsanangura zvese zviri zviviri.
Kuti uwane mazano pamusoro pekutenga kwaunoda, kusanganisira mutengo unoshanda padhizaini yako uye mashoko ari muchiziviso chako kuna notary, bata Law & More in Eindhoven or Amsterdam.
