Partner to nursing home? Single AOW (state pension), yes or no?

Are you married or cohabiting in The Netherlands and is your partner going to a nursing home? Then you will receive a letter from the Social Insurance Bank (SVB) in which you can make the choice to convert a married/partnership state pension (in Dutch: AOW) to a single AOW. This seems attractive: a...

STAP-budget: subsidy on educational expenses 

As of 2022 the option to receive deduction on the Dutch income tax for educational expenses expires. Instead, you can apply for a subsidy of a maximum of € 1.000 for education and development. With this new so-called STAP-budget, the government wants to make it easier to undergo schooling, training...

Fiscal benefits for private individuals

In The Netherlands there are a number of deductions, benefits and other arrangements with which the government offers fiscal benefits. The question remains what the situations are that you can be eligible for these tax benefits. In the often confusing maze of fiscal laws and regulations it is easy...

Buying a house in The Netherlands: from property transfer tax to mortgage interest deduction

Buying a house can be a lot. During the purchase process, there are a number of things that come with complex laws and legislation. Especially the tax technical part is important to understand. Specifically because you can benefit from this financially. In this article we will briefly focus on the...

Saving on the Dutch inheritance tax

Do you have capital and do you want to gift that to others sooner or later? It may be beneficial to do so while still alive. You can limit the amount of inheritance tax you will have to pay. You limit the inheritance tax by using the annual exemptions in the inheritance tax.

Spouses in divorce can sometimes be considered for the transitional law

The interest that you pay over your mortgage, can be deducted from your taxable income. Because of this you pay less income tax. This is the mortgage interest tax relief. 

What to do with a lower pension

Because of the lowering of the pension built-up percentage, beneficiaries of the pension built up less pension. The maximum pension built up is now 1.875% instead of the old 2.15%. Maximising the wage to €100.000 over which pension premiums are paid also has an impact on your future pension....

Willingness for saving and repayment of the own residence

Until the economic crisis of 2008 it was usual to loan 150% of the value of your house. This loan to value rate will decrease to 100%. A consequence of this is that the financing of renovation or accompanying buying costs (costs for the notary, transfer tax etc.) can no longer be paid from a...

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