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The bank forecasts modest price growth through 2027, saying the Dutch housing market remains tight despite more homes being put up for sale.
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ING expects Dutch house prices to rise by 2.5% in 2026 and 1% in 2027, slightly less than it forecast in July. The bank says the market remains too tight for prices to fall in the near term, despite higher mortgage rates and a growing number of homes for sale. [1]
Listings with NVM estate agents have more than doubled in five years, from 18,000 to 37,000, according to ING. More homes are now coming onto the market than are being sold, even as sales reach record levels. [1]
The average offered rate for a ten-year fixed annuity mortgage with the Dutch National Mortgage Guarantee is 4.4%, up from 3.6% a year earlier. Buyers’ monthly costs are about 6% higher, ANP reported. ING says the higher rates are making homes less affordable and reducing how much buyers can borrow. [1]
Sales of former rental homes are adding to the supply, particularly in and around cities. An estimated 40,000 rental properties were sold in 2025, accounting for roughly one in six sales of existing homes nationwide and one in three in the four largest cities. [1]
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