Annual figures are calculated from not seasonally adjusted quarterly figures and may therefore differ marginally from the most recent National Accounts.
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Mortgage value forecast change in the Netherlands 2021-2022, with forecast until 2023
The Dutch Central Bank (DNB) estimated that the growth of mortgage lending will slow down in 2023 and 2024, after originations rose by *** percent in 2022. That can be explained with the accelerated house price growth in recent years and the higher interest rates, eroding housing affordability. Within Europe, the Netherlands counts as one of the countries with the highest mortgage debt among private individuals. This has a political background as the Dutch tax system allowed homeowners to deduct interest paid on mortgage from pre-tax income for a maximum period of thirty year, essentially allowing for income support for homeowners. In the Netherlands, this system is known as hypotheekrenteaftrek.
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DNB. (June 16, 2023). Forecast of the percentage change on previous year of the total mortgage value in the Netherlands from 2021 to 2022, with a forecast until 2025 [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved July 23, 2026, from /statistics/665389/mortgage-value-forecast-change-in-the-netherlands/
DNB. "Forecast of the percentage change on previous year of the total mortgage value in the Netherlands from 2021 to 2022, with a forecast until 2025." Chart. June 16, 2023. ÌÇÐÄÆƽâ°æ. Accessed July 23, 2026. /statistics/665389/mortgage-value-forecast-change-in-the-netherlands/
DNB. (2023). Forecast of the percentage change on previous year of the total mortgage value in the Netherlands from 2021 to 2022, with a forecast until 2025. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: July 23, 2026. /statistics/665389/mortgage-value-forecast-change-in-the-netherlands/
DNB. "Forecast of The Percentage Change on Previous Year of The Total Mortgage Value in The Netherlands from 2021 to 2022, with a Forecast until 2025." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 16 Jun 2023, /statistics/665389/mortgage-value-forecast-change-in-the-netherlands/
DNB, Forecast of the percentage change on previous year of the total mortgage value in the Netherlands from 2021 to 2022, with a forecast until 2025 ÌÇÐÄÆƽâ°æ, /statistics/665389/mortgage-value-forecast-change-in-the-netherlands/ (last visited July 23, 2026)
Forecast of the percentage change on previous year of the total mortgage value in the Netherlands from 2021 to 2022, with a forecast until 2025 [Graph], DNB, June 16, 2023. [Online]. Available: /statistics/665389/mortgage-value-forecast-change-in-the-netherlands/
