Macro level

- Keur & Koop -
In het laatste kwartaal van vorig jaar steeg het aantal hypotheekaanvragen voor het eerst sinds het begin van 2022, voornamelijk als gevolg van een gedaalde rente, volgens gegevens van het Hypotheken Data Netwerk (HDN). In vergelijking met dezelfde periode in 2022 was er een stijging van 15,5 procent, met 60.743 hypotheekaanvragen voor woningen op de kopersmarkt. Het gemiddelde hypotheekbedrag op de kopersmarkt bedroeg bijna 339.000 euro, wat een toename van 7 procent betekent. Deze stijging wordt toegeschreven aan de renteverlaging eind oktober door de Europese Centrale Bank. Het totale aantal hypotheekaanvragen was in 2023 bijna 30 procent lager, vooral door een daling van het aantal oversluitingen. Het jaar werd gekenmerkt als gunstig voor starters, met een grotere groep op de kopersmarkt. Het aandeel opstromers verminderde, mede door een afname van hypotheekaanvragen voor nieuwbouw- en bestaande woningen onder opstromers. Vastgoed beheer vastgoed onderhoud vastgoed begeleiding

In the fourth quarter of last year, the number of mortgage applications increased for the first time since the start of 2022, mainly as a result of lower interest rates. These findings are based on figures provided by the Mortgages Data Network (HDN), to which almost all major providers of mortgage and mortgage-related products are affiliated. 

Compared to the same period in 2022, there were 60,743 mortgage applications for homes in the buyer’s market in the fourth quarter, representing an increase of 15.5 per cent. This is in stark contrast to the earlier quarters of the year, which recorded a decrease of almost 8 per cent over the whole of 2023. HDN managing director Reinier van der Heijden says this trend indicates that the buyer’s market has recovered in 2023. 

The average mortgage amount in the buyer’s market was almost 339,000 euros in the fourth quarter, representing an increase of 7 per cent compared to the previous year. 

The increase in mortgage applications for the buyer’s market in the last quarter can be attributed to the fall in mortgage rates in the final months of the year. The European Central Bank (ECB) decided in late October not to further increase the interest rate banks receive when depositing money with the ECB. This fall in interest rates enabled potential homebuyers to borrow more. 

The development of mortgage interest rates played an important role in the mortgage market in 2023. For the year as a whole, the total number of mortgage applications (including over- and top-ups) was almost 30 per cent lower, mainly due to the significant drop in the number of applications for transfers. 

According to HDN, there were relatively many first-time buyers on the housing market last year, partly as a result of tightened government rules for owners of homes with rental income. Landlords sold their homes to first-time buyers. HDN therefore calls last year a “good year for first-time buyers”, especially for those with a fixed income, a mortgage with National Mortgage Guarantee (NHG) and a relatively cheap home. 

The group of first-time buyers was the largest in the buyers’ market, followed by so-called move-up buyers, who move on to a new home with a higher market value, benefiting from the surplus value on the old home. However, the share of first-time buyers fell significantly, partly due to a decline in mortgage applications for new-build and existing homes among first-time buyers. 

Click here to go to the website.