Hypotheek Betaalbaarheid Calculator
Ontdek hoeveel u kunt lenen op basis van uw inkomen, aanbetaling en actuele rente. Inclusief stresstest bij +3% rente.
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How lenders decide what you can borrow
Most lenders use two tests: an income multiple (typically 4–5× salary) and an affordability stress test at a higher rate (usually current rate + 3%). The lower of the two limits what you can borrow.
A larger deposit doesn't increase your borrowing limit — but it does reduce your LTV ratio, which typically unlocks lower interest rates and avoids mortgage insurance requirements.