What insurances do I need as a tenant?
This is contents insurance. TVs, valuables, appliances, jewellery, etc. Anything you own that’s movable. If you have this already, do not forget to contact your insurance provider and advise them that you moved house. This is a must for both homeowners and tenants.
It’s important to note that glass (in terms of windows) is part of the home and is normally insured by the landlord against damage caused by storms or fire. But, as a tenant, you will be liable for the costs if you were directly responsible for damage to a window in the property you’re renting. The simplest would be to check the rental contract to see if you need to arrange glass insurance yourself. This you can arrange by adding glasverzekering to your inboedelverzekering as a small additional cost per month.
This is personal indemnity insurance. EVERY single person in NL should have this, as it covers you for personal indemnity. Here, if you walk into a store and you or your child knock over a shelf of plates/bottle etc, you are held responsible for all costs. If your child kicks a soccer ball through a school window, you are held responsible for the costs. If your child scratched a car with the handlebars of his bike, while he cycles past. You are responsible financially for any damage. We highly recommend getting this, it is cheap and you take it out for your whole family in one package. You can get this through your bank.
How much is the Selling Commission?
Real estate sales commissions in the Netherlands are typically negotiable between the seller and the real estate agent. However, there is no fixed percentage or fee that is set by law.
In general, the commission is based on a percentage of the final selling price of the property, and it can range from around 1% to 2.5%. It is important to note that the commission rate can vary depending on the location, size, and type of property being sold, as well as the specific services provided by the real estate agent.
In addition to the commission, there may also be additional costs and fees associated with selling a property in the Netherlands, such as marketing and advertising costs, legal fees, and taxes. It is important for sellers to understand all of the costs and fees involved in the sales process and to negotiate the commission rate and any other costs upfront with the real estate agent.
Do you assist with setting up the utilities?
Yes! We make use of a service called EasyNuts that can assist our clients in choosing their providers and set up their utilities, internet and insurance.
New tenants are given a grave period during which they do not switch off the connections to the water, power and heating/gas, meaning you’ll still have running water, heating and electricity when you move in even if you haven’t registered with a service provider yet.
Many (if not all) service providers will require a Dutch IBAN account number when setting up your account.
Insurance providers will require a BSN number meaning that this can only be done once you’re in the country and have registered at the municipality (Gemeente).
Some internet providers can take a week or more to complete their installation.
Can I already start searching for a rental if I’m not in the Netherlands yet?
Yes! We conduct the viewings on your behalf and do a video walk-through of the properties with you.
Note: a few real estate agencies require prospective tenants to already be in the country (with a BSN) and to attend the viewings in person.
How far in advance should I start looking for a rental?
The earliest would be 3 months but no later than 1 month before your preferred start date is advised as the market is extremely competitive and you’ll appreciate the extra time to search for your new home.
What documents do I need when applying for a property?
- Employment contract in NL
- Werkgeversveklaring – this you can ask from the HR department
- 3 months’ salary slips
- 3 months’ bank statements
- If currently renting a reference from your landlords / if you owned your house then a reference letter from neighbours is helpful as well
- Copies of your passport
- Letter of introduction (short one-page intro to you – who you are, what you do, your hobbies, why the Netherlands, why you’ll be the best tenant) about you
- Photo of you, your family and pets (if applicable)