BIDDING WAR SIMULATOR
Will your winning bid actually be funded by the bank? Find out before you sign.
01 Your Numbers
*The bank ONLY lends based on this number, not your bid.
The "Overbid" Reality
In competitive markets like Amsterdam or Utrecht, checking the "overbid" percentage is just for psychological comparison. The Financing Gap is the number that actually determines if you get the house.
Your savings cover the costs. You have € 5.300 buffer remaining.
Max Loan Calculation
100% Loan to Value
Even if you bid € 485.000, the bank will only give you € 465.000. Every Euro above the taxatiewaarde comes from your personal bank account.
Risk Mitigation
Financial Clause
"Voorbehoud Financiering"
Since your overbid is € 20.000, ensure your contract has a financing clause for this specific amount.
How to win without losing your savings?
1. The Appraiser trick
Hire a local appraiser who knows the street. They are more likely to find comparable sales that justify a higher market value, reducing your out-of-pocket gap.
2. Hidden Reserves
Remember NHG limits. If you bid just over the NHG limit, you lose the safety net and the lower interest rates. Sometimes a slightly lower bid with NHG is better than a higher one without it.