Question 1

How do I file my Dutch income tax return as a migrant (belastingaangifte)?

Accepted Answer

You file your Dutch income tax return (belastingaangifte) online with the tax authorities using your DigiD, declaring your income, your home and deductions such as mortgage interest. Your first return as a migrant is often the M-form (M-formulier) for the migration year. Filing carefully matters, since homeowners and 30%-ruling holders often receive a refund.

Question 2

¿Es fiscalmente ventajoso ahorrar para la jubilación en los Países Bajos?

Accepted Answer

En muchos casos, sí. Algunos productos de pensión permiten beneficiarte de ventajas fiscales, dependiendo de tus ingresos y de tu situación personal. Te ayudamos a entender qué opciones se aplican a tu caso.

Question 3

¿La primera consulta tiene coste?

Accepted Answer

No. La primera consulta es gratuita y sin compromiso. Solo pagas si decides continuar con nuestros servicios para una operación concreta, sin costes ocultos.

Question 4

¿Necesito aportar dinero propio?

Accepted Answer

En los Países Bajos existen costes adicionales además del precio de la vivienda (como gastos notariales, impuesto de transmisión y tasación). La aportación necesaria depende de tu situación. Te explicaremos exactamente qué puedes esperar.

Question 5

¿Puede Domek ayudarme también con seguros e impuestos como propietario ZZP?

Accepted Answer

Sí. Después de la compra te ayudamos a organizar el seguro de vivienda adecuado y podemos ponerte en contacto con nuestros socios fiscales para asesoramiento sobre la deducción de intereses hipotecarios y otros beneficios. Muchos migrantes ZZP no conocen las ventajas fiscales disponibles — nos aseguramos de que no te las pierdas.

Question 6

¿Puedo obtener una devolución de impuestos después de solicitar el excedente?

Accepted Answer

En la mayoría de los casos, sí. Es importante consultar con un asesor para saber qué gastos califican para deducciones y cómo optimizar al máximo los beneficios fiscales.

Question 7

A Domek também pode ajudar com seguros e impostos como proprietário ZZP?

Accepted Answer

Sim. Após a compra, ajudamo-lo a organizar o seguro de habitação adequado e podemos colocá-lo em contacto com os nossos parceiros fiscais para aconselhamento sobre a dedução de juros da hipoteca e outros benefícios. Muitos migrantes ZZP não têm conhecimento das vantagens fiscais disponíveis — garantimos que não perde nenhuma.

Question 8

A primeira consulta é paga?

Accepted Answer

Não. A primeira consulta é gratuita e sem compromisso. Só paga quando decide avançar com os nossos serviços para uma operação específica – sem custos ocultos.

Question 9

Adókedvező a nyugdíj-megtakarítás Hollandiában?

Accepted Answer

Sok esetben igen. Egyes nyugdíjtermékek adókedvezményeket biztosítanak, a jövedelmedtől és személyes helyzetedtől függően. Segítünk megérteni, milyen lehetőségek vonatkoznak rád.

Question 10

Am nevoie de un avans propriu?

Accepted Answer

În Țările de Jos, pe lângă prețul locuinței, există și costuri suplimentare (precum taxele notariale, taxa de transfer și costurile evaluării). Contribuția necesară depinde de situația ta – îți explicăm exact la ce să te aștepți.

Question 11

Ar Domek gali padėti ir su draudimu bei mokesčiais kaip ZZP būsto savininkui?

Accepted Answer

Taip. Po pirkimo padedame sutvarkyti tinkamą būsto draudimą ir galime sujungti jus su mūsų mokesčių partneriais dėl konsultacijų apie hipotekos palūkanų atskaitymą ir kitus privalumus. Daugelis ZZP migrantų nežino apie šias mokesčių lengvatas — mes užtikriname, kad jų nepraleistumėte.

Question 12

Ar galiu susigrąžinti mokesčius, kai pasirenku perteklinę išmoką?

Accepted Answer

Daugeliu atvejų taip. Svarbu pasikonsultuoti su patarėju ir išsiaiškinti, kurias išlaidas galima atskaityti ir kaip geriausiai optimizuoti mokestinę naudą.

Question 13

Ar man reikia nuosavų lėšų?

Accepted Answer

Nyderlanduose, be būsto kainos, yra ir papildomų išlaidų (pavyzdžiui, notaro mokesčiai, turto perdavimo mokestis ir vertinimo išlaidos). Reikalinga suma priklauso nuo banko ir jūsų situacijos. Tiksliai paaiškinsime, ko galite tikėtis.

Question 14

Ar pensijų kaupimas Nyderlanduose suteikia mokesčių lengvatų?

Accepted Answer

Daugeliu atvejų taip. Kai kurie pensijų produktai leidžia pasinaudoti mokesčių lengvatomis, priklausomai nuo jūsų pajamų ir situacijos. Padedame suprasti, kokios galimybės taikomos jums.

Question 15

Ar pirmoji konsultacija mokama?

Accepted Answer

Ne. Pirmoji konsultacija yra nemokama ir neįpareigojanti. Mokate tik tuomet, kai nusprendžiate pasinaudoti mūsų paslaugomis konkrečiam sandoriui – jokių paslėptų mokesčių.

Question 16

Can Domek also help me with insurance and tax as a ZZP homeowner?

Accepted Answer

Yes. After purchase we help you arrange the right home insurance and can connect you with our tax partners for advice on mortgage interest deduction and other homeowner benefits. Many ZZP migrants are unaware of the tax advantages available to them — we make sure you don't miss out.

Question 17

Can I deduct notary and mortgage deed costs?

Accepted Answer

The notary's costs for the mortgage deed (hypotheekakte) are usually tax-deductible, as they relate to arranging your loan. However, the notary's costs for the transfer deed (leveringsakte) of the property itself are not deductible, since they are part of buying the home. Splitting the notary invoice between the two deeds helps you claim correctly.

Question 18

Can I deduct the valuation (appraisal) cost (taxatiekosten)?

Accepted Answer

Yes, the cost of the valuation report (taxatiekosten) required for your mortgage is generally tax-deductible in the year you buy, because it relates to arranging the loan. Keep the invoice, as you declare it in your income tax return (belastingaangifte). A valuation done without a mortgage, purely to set a price, is treated differently.

Question 19

Can I receive a tax refund after selecting the surplus?

Accepted Answer

In most cases, yes. It is important to consult with an advisor to find out which expenses qualify for deductions and how to optimize tax benefits.

Question 20

Czy Domek może pomóc także z ubezpieczeniem i podatkami jako właścicielowi domu ZZP?

Accepted Answer

Tak. Po zakupie pomagamy w organizacji odpowiedniego ubezpieczenia nieruchomości oraz łączymy Cię z naszymi partnerami podatkowymi w zakresie odliczenia odsetek hipotecznych i innych korzyści. Wielu migrantów ZZP nie jest świadomych dostępnych ulg podatkowych — dbamy o to, abyś niczego nie przegapił.

Question 21

Czy mogę otrzymać zwrot z podatku po wybraniu nadwyżki?

Accepted Answer

W większości przypadków tak. Ważne jest, aby skonsultować się z doradcą i dowiedzieć się, które koszty kwalifikują się do odliczeń i jak najlepiej zoptymalizować korzyści podatkowe.

Question 22

Czy oszczędzanie emerytalne jest korzystne podatkowo w Holandii?

Accepted Answer

W wielu przypadkach tak. Niektóre produkty emerytalne umożliwiają korzystanie z ulg podatkowych, zależnie od dochodów i sytuacji. Pomożemy Ci zrozumieć, jakie możliwości dotyczą Ciebie.

Question 23

Czy pierwsza konsultacja jest płatna?

Accepted Answer

Nie. Pierwsza konsultacja jest bezpłatna i niezobowiązująca. Płacisz dopiero wtedy, gdy zdecydujesz się skorzystać z naszych usług przy konkretnej transakcji – bez ukrytych kosztów.

Question 24

Czy potrzebuję własnego wkładu?

Accepted Answer

W Holandii oprócz ceny nieruchomości występują również dodatkowe koszty (takie jak opłaty notarialne, podatek od przeniesienia własności oraz koszty wyceny). Wymagana kwota zależy od banku i Twojej sytuacji. Dokładnie wyjaśnimy, czego możesz się spodziewać.

Question 25

Do I have to declare foreign property or savings (box 3)?

Accepted Answer

As a Dutch tax resident you generally declare worldwide assets, including foreign property and savings, in box 3 of your tax return. Tax treaties often prevent double taxation, and the 30% ruling can exempt some foreign assets through partial non-resident status, so the outcome depends on your situation. Reporting correctly avoids problems, so advice is useful for international assets.

Question 26

Do I have to declare my home in my tax return (belastingaangifte)?

Accepted Answer

Yes, as a homeowner you declare your main residence in your annual income tax return (belastingaangifte): the eigenwoningforfait as income and your mortgage interest as a deduction, both in box 1. Many homeowners receive a refund as a result. You file online with your DigiD, and your first year as a migrant often uses the M-form (M-formulier).

Question 27

Do I need my own down payment?

Accepted Answer

In the Netherlands, besides the purchase price, there are transaction costs (including notary fees, transfer tax, and valuation costs). The required contribution depends on the bank and your situation – we’ll tell you exactly what to expect.

Question 28

Do I pay tax when I sell my home at a profit?

Accepted Answer

For your main residence, the profit (overwaarde) from selling is generally not taxed in the Netherlands, as there is no capital gains tax on your own home. However, under the bijleenregeling you are expected to reinvest that equity in your next home to keep your full mortgage interest deduction. A second home or rental in box 3 is treated differently.

Question 29

Domek mă poate ajuta și cu asigurări și taxe ca proprietar ZZP?

Accepted Answer

Da. După achiziție, te ajutăm să organizezi asigurarea potrivită pentru locuință și te putem conecta cu partenerii noștri fiscali pentru consultanță privind deducerea dobânzii ipotecare și alte beneficii. Mulți migranți ZZP nu sunt conștienți de avantajele fiscale disponibile — ne asigurăm că nu le ratezi.

Question 30

Există avantaje fiscale dacă economisești pentru pensie în Țările de Jos?

Accepted Answer

În multe cazuri, da. Unele produse de pensie îți permit să beneficiezi de avantaje fiscale, în funcție de venit și situația personală. Te ajutăm să înțelegi ce se aplică în cazul tău.

Question 31

Fizetős az első konzultáció?

Accepted Answer

Nem. Az első konzultáció ingyenes és kötelezettségmentes. Csak akkor fizet, ha úgy dönt, hogy egy konkrét ügylethez igénybe veszi szolgáltatásainkat – rejtett költségek nélkül.

Question 32

Heb ik eigen geld nodig?

Accepted Answer

In Nederland krijg je naast de aankoopprijs ook te maken met bijkomende kosten (zoals notariskosten, overdrachtsbelasting en taxatiekosten). Hoeveel eigen geld je nodig hebt, hangt af van jouw situatie. We leggen precies uit wat je kunt verwachten.

Question 33

How does the mortgage interest deduction work?

Accepted Answer

The mortgage interest deduction (hypotheekrenteaftrek) lets you subtract the interest on your main-residence loan from your taxable income in box 1, so you pay less income tax. To qualify, the mortgage must be repaid within the set term, which is why new loans use an annuity or linear form. Many homeowners receive the benefit monthly through a provisional refund (voorlopige teruggaaf).

Question 34

How does the tax return work in my migration year (the M-form)?

Accepted Answer

In the year you move to or from the Netherlands you usually file a special migration tax return called the M-form (M-formulier) instead of the standard one. It covers the part of the year you were a Dutch tax resident, combining resident and non-resident periods. Because many newcomers receive a refund, especially with the 30% ruling and a mortgage, it is worth filing carefully.

Question 35

How is the WOZ value used for taxes?

Accepted Answer

The WOZ value (WOZ-waarde) is the basis for several taxes, including municipal property tax (OZB), water authority charges (waterschapsbelasting) and the eigenwoningforfait in your income tax return. Because a higher WOZ raises these amounts, it is worth checking the assessment and filing an objection (WOZ-bezwaar) if it looks too high. The value is set yearly per address.

Question 36

Is het eerste gesprek betaald?

Accepted Answer

Nee. Het eerste gesprek is gratis en vrijblijvend. Je betaalt pas wanneer je besluit gebruik te maken van onze diensten voor een specifieke aankoop – zonder verborgen kosten.

Question 37

Is mortgage interest tax-deductible in the Netherlands (hypotheekrenteaftrek)?

Accepted Answer

Yes, for an owner-occupied home you can usually deduct your mortgage interest (hypotheekrenteaftrek), provided you repay the loan within the required term using an annuity or linear mortgage. This deduction lowers your taxable income in box 1 and can significantly reduce your net monthly costs. The eigenwoningforfait is added back as a small counterweight.

Question 38

Is pensioensparen fiscaal voordelig in Nederland?

Accepted Answer

In veel gevallen wel. Sommige pensioenproducten bieden belastingvoordelen, afhankelijk van uw inkomen en persoonlijke situatie. Wij helpen u te begrijpen welke mogelijkheden voor u gelden.

Question 39

Is pension saving tax-efficient in the Netherlands?

Accepted Answer

In many cases, yes. Some pension products allow you to benefit from tax advantages, depending on your income and situation. We help you understand what applies to you.

Question 40

Is the first consultation paid?

Accepted Answer

No. The first consultation is free and non-binding. You only pay when you decide to proceed with our services for a specific transaction – no hidden costs.

Question 41

Kan Domek mij ook helpen met verzekeringen en belastingen als ZZP huiseigenaar?

Accepted Answer

Ja. Na aankoop helpen wij u met het regelen van de juiste woonverzekeringen en kunnen wij u in contact brengen met onze belastingpartners voor advies over hypotheekrenteaftrek en andere voordelen. Veel ZZP-migranten zijn zich niet bewust van deze fiscale voordelen — wij zorgen dat u ze niet misloopt.

Question 42

Kan ik belastingteruggave ontvangen nadat ik overwaarde heb opgenomen?

Accepted Answer

In de meeste gevallen wel. Het is belangrijk om je financieel adviseur te raadplegen om erachter te komen welke kosten in aanmerking komen voor aftrek en hoe je de belastingvoordelen het beste kunt benutten.

Question 43

Kaphatok adóvisszatérítést, ha igénybe veszem a többletértéket?

Accepted Answer

A legtöbb esetben igen. Fontos, hogy konzultáljon egy tanácsadóval, hogy megtudja, mely költségek vonhatók le adóból, és hogyan optimalizálhatja a legjobban az adóelőnyöket.

Question 44

Posso receber restituição de imposto após utilizar o excedente?

Accepted Answer

Na maioria dos casos, sim. É importante consultar um consultor para verificar quais custos se qualificam para dedução e como otimizar melhor os benefícios fiscais.

Question 45

Pot obține o rambursare de impozit după ce am ales un surplus?

Accepted Answer

În majoritatea cazurilor, da. Este important să vă consultați consilierul pentru a afla care sunt costurile eligibile pentru deduceri și cum să optimizați cel mai bine beneficiile fiscale.

Question 46

Poupar para a reforma tem vantagens fiscais nos Países Baixos?

Accepted Answer

Em muitos casos, sim. Alguns produtos de pensão permitem beneficiar de vantagens fiscais, dependendo dos teus rendimentos e da tua situação pessoal. Ajudamos-te a perceber quais as opções que se aplicam ao teu caso.

Question 47

Preciso de capitais próprios?

Accepted Answer

Nos Países Baixos, além do preço do imóvel, existem custos associados à compra (incluindo despesas notariais, imposto de transmissão e custos de avaliação). O valor necessário depende do banco e da sua situação. Explicaremos exatamente o que pode esperar.

Question 48

Prima consultație se plătește?

Accepted Answer

Nu. Prima consultație este gratuită și fără obligații. Plătești doar dacă decizi să continui cu serviciile noastre. Fără costuri ascunse.

Question 49

Segíthet a Domek biztosításban és adóügyekben is ZZP lakástulajdonosként?

Accepted Answer

Igen. A vásárlás után segítünk a megfelelő lakásbiztosítások megkötésében, és kapcsolatba hozhatjuk Önt adózási partnereinkkel a jelzáloghitel kamatlevonásával és egyéb előnyökkel kapcsolatban. Sok ZZP migráns nincs tisztában ezekkel az adóelőnyökkel — mi gondoskodunk arról, hogy ne maradjon le róluk.

Question 50

Szükségem van saját megtakarításra?

Accepted Answer

Hollandiában a vételáron kívül egyéb költségekkel is számolni kell (például közjegyzői díjak, átruházási illeték és értékbecslési költségek). A szükséges önerő mértéke az Ön helyzetétől és a banktól függ. Pontosan elmagyarázzuk, mire számíthat.

Question 51

What is box 1 and box 3 for homeowners?

Accepted Answer

For homeowners, your main residence and its mortgage fall in box 1, where the eigenwoningforfait and mortgage interest deduction (hypotheekrenteaftrek) apply. A second home, rental property or savings usually fall in box 3, which taxes assets rather than allowing interest deduction. Knowing which box applies matters for buy-to-let and for foreign property.

Question 52

What is eigenwoningforfait?

Accepted Answer

The eigenwoningforfait is a small amount added to your taxable income for owning your home, calculated as a percentage of the WOZ value (WOZ-waarde). It is offset against your mortgage interest deduction (hypotheekrenteaftrek), so for most homeowners with a mortgage the net effect is still favourable. It applies to your main residence in box 1.

Question 53

What is the 30% ruling and how does it affect buying a home?

Accepted Answer

The 30% ruling is a tax benefit for some incoming skilled migrants that raises net income by treating part of the salary as a tax-free allowance, which can improve your borrowing capacity. Some lenders include it when assessing what you can afford, but because it is temporary they also consider how long it still runs. Planning for the moment it ends keeps your mortgage comfortable.

Question 54

What is the bijleenregeling (additional loan scheme)?

Accepted Answer

The bijleenregeling is a tax rule that expects you to reinvest the equity (overwaarde) from selling your home into your next home to keep full mortgage interest deduction (hypotheekrenteaftrek). If you borrow more than needed instead of using your equity, the interest on that extra part may not be deductible. It mainly affects people who move from one owner-occupied home to another.

Question 55

What is the first-time buyer exemption (startersvrijstelling)?

Accepted Answer

The first-time buyer exemption (startersvrijstelling) can waive transfer tax (overdrachtsbelasting) for younger buyers purchasing a home to live in themselves, up to a maximum price set each year. It is designed to make a first purchase more affordable and lower the buyer's costs (kosten koper). The exact age and price limits are reviewed annually, so check the current conditions.

Question 56

What is the voorlopige teruggaaf (provisional tax refund) for mortgage interest?

Accepted Answer

A voorlopige teruggaaf (provisional refund) lets homeowners receive their expected mortgage interest deduction (hypotheekrenteaftrek) in monthly instalments during the year, instead of waiting for the annual tax return. You request it from the tax authorities (Belastingdienst) with your DigiD, and it improves your monthly cash flow. Any difference is settled in your final belastingaangifte.

Question 57

What is the WOZ value (WOZ-waarde)?

Accepted Answer

The WOZ value (WOZ-waarde) is the value of your home assessed each year by the municipality, used to calculate property-related taxes such as property tax (OZB) and the eigenwoningforfait. It often differs from both the market value and your purchase price, since it is based on a set reference date. You can object (WOZ-bezwaar) if you think it is too high.

Question 58

What taxes do I pay when buying a home (overdrachtsbelasting)?

Accepted Answer

When buying an existing home you usually pay transfer tax (overdrachtsbelasting), while new-build homes are typically sold "vrij op naam" (VON) without it. A reduced rate or a first-time-buyer exemption (startersvrijstelling) may apply for younger buyers within a price limit that is set each year. Transfer tax is part of the buyer's costs (kosten koper) paid from your own money.

Question 59

Which buying and mortgage costs are tax-deductible?

Accepted Answer

Some one-off costs linked to your mortgage are usually deductible in the year you buy, including mortgage advice and arrangement fees (advies- en bemiddelingskosten), the valuation report (taxatierapport), the NHG premium and the notary's mortgage deed (hypotheekakte). Costs of buying the property itself, such as transfer tax (overdrachtsbelasting) and the buying agent, are generally not deductible. Keep all invoices for your tax return.

Question 60

Изгодно ли е от данъчна гледна точка спестяването за пенсия в Нидерландия?

Accepted Answer

В много случаи да. Някои пенсионни продукти ви позволяват да се възползвате от данъчни облекчения в зависимост от доходите и личната ви ситуация. Ние ви помагаме да разберете кои възможности се отнасят за вас.

Question 61

Мога ли да получа възстановяване на данъци, след като съм избрал излишък?

Accepted Answer

В повечето случаи да. Важно е да се консултирате с вашия консултант, за да разберете кои разходи отговарят на условията за приспадане и как най-добре да оптимизирате данъчните облекчения.

Question 62

Може ли Domek да ми помогне и със застраховка и данъци като ZZP собственик на жилище?

Accepted Answer

Да. След покупката ви помагаме да организирате подходящата жилищна застраховка и можем да ви свържем с наши данъчни партньори за съвет относно приспадането на лихви по ипотеката и други предимства за собственици. Много ZZP мигранти не са наясно с наличните данъчни предимства — ние се грижим да не ги пропуснете.

Question 63

Необходими ли са ми собствени средства?

Accepted Answer

В Нидерландия освен покупната цена на имота има и допълнителни разходи (като нотариални такси, данък при прехвърляне на собственост и разходи за оценка). Необходимата сума зависи от банката и Вашата ситуация. Ще Ви обясним подробно какво да очаквате.

Question 64

Платена ли е първата консултация?

Accepted Answer

Не. Първата консултация е безплатна и без ангажимент. Заплащате само ако решите да продължите с нашите услуги за конкретна сделка – без скрити такси.

How do I file my Dutch income tax return as a migrant (belastingaangifte)?

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How do I file my Dutch income tax return as a migrant (belastingaangifte)?

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