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Ontdek de mogelijkheden, voordelen en regelingen voor starters in 2024.","2024-12-18","Bart Strietman","page","startershypotheek","https:\u002F\u002Fhuisassist.nl\u002Fhypotheekadviseur\u002Fstartershypotheek\u002F",31651,"hypotheekadviseur","\u002Fhypotheekadviseur\u002Fstartershypotheek",{"type":15,"children":16},"root",[17,25,32,37,57,72,78,85,97,105,131,142,159,165,170,188,194,199,248,254,260,265,283,289,294,312,318,372,378,383,484,497,503,508,536,542,548],{"type":18,"tag":19,"props":20,"children":21},"element","p",{},[22],{"type":23,"value":24},"text","Een startershypotheek is een hypotheek speciaal gericht op mensen die voor het eerst een woning kopen. Als starter op de woningmarkt heb je te maken met specifieke uitdagingen, maar ook met voordelen en regelingen die je kunnen helpen bij de aankoop van je eerste huis.",{"type":18,"tag":26,"props":27,"children":29},"h2",{"id":28},"wat-is-een-startershypotheek",[30],{"type":23,"value":31},"Wat is een startershypotheek?",{"type":18,"tag":19,"props":33,"children":34},{},[35],{"type":23,"value":36},"Een startershypotheek is geen specifiek hypotheekproduct, maar een verzamelnaam voor hypotheken en regelingen die geschikt zijn voor starters. Als starter wordt je beschouwd als iemand die:",{"type":18,"tag":38,"props":39,"children":40},"ul",{},[41,47,52],{"type":18,"tag":42,"props":43,"children":44},"li",{},[45],{"type":23,"value":46},"Nog nooit eerder een koopwoning heeft gehad",{"type":18,"tag":42,"props":48,"children":49},{},[50],{"type":23,"value":51},"Voor het eerst een hypotheek afsluit",{"type":18,"tag":42,"props":53,"children":54},{},[55],{"type":23,"value":56},"Vaak jonger is dan 35 jaar (maar dit is geen vereiste)",{"type":18,"tag":58,"props":59,"children":60},"note",{},[61],{"type":18,"tag":19,"props":62,"children":63},{},[64,70],{"type":18,"tag":65,"props":66,"children":67},"strong",{},[68],{"type":23,"value":69},"Goed om te weten:",{"type":23,"value":71}," Je bent officieel een starter als je nog nooit eerder een woning in eigendom hebt gehad. Dit geldt ook als je eerder hebt gehuurd en nu voor het eerst wilt kopen.",{"type":18,"tag":26,"props":73,"children":75},{"id":74},"voordelen-voor-starters-in-2024",[76],{"type":23,"value":77},"Voordelen voor starters in 2024",{"type":18,"tag":79,"props":80,"children":82},"h3",{"id":81},"startersvrijstelling-overdrachtsbelasting",[83],{"type":23,"value":84},"Startersvrijstelling overdrachtsbelasting",{"type":18,"tag":19,"props":86,"children":87},{},[88,90,95],{"type":23,"value":89},"Een van de grootste voordelen voor starters is de vrijstelling van overdrachtsbelasting. Sinds 2021 betalen starters tussen 18 en 35 jaar geen overdrachtsbelasting bij de aankoop van een woning tot ",{"type":18,"tag":91,"props":92,"children":94},"binding",{"value":93},"startersvrijstelling_grens",[],{"type":23,"value":96}," (2024). Dit levert een besparing op van 2% van de koopsom.",{"type":18,"tag":19,"props":98,"children":99},{},[100],{"type":18,"tag":65,"props":101,"children":102},{},[103],{"type":23,"value":104},"Voorwaarden startersvrijstelling:",{"type":18,"tag":38,"props":106,"children":107},{},[108,113,118,126],{"type":18,"tag":42,"props":109,"children":110},{},[111],{"type":23,"value":112},"Je bent tussen 18 en 35 jaar",{"type":18,"tag":42,"props":114,"children":115},{},[116],{"type":23,"value":117},"Je hebt de vrijstelling nog niet eerder gebruikt",{"type":18,"tag":42,"props":119,"children":120},{},[121,123],{"type":23,"value":122},"De woning kost maximaal ",{"type":18,"tag":91,"props":124,"children":125},{"value":93},[],{"type":18,"tag":42,"props":127,"children":128},{},[129],{"type":23,"value":130},"Je gaat zelf in de woning wonen",{"type":18,"tag":79,"props":132,"children":134},{"id":133},"nationale-hypotheek-garantie-nhg",[135],{"type":18,"tag":136,"props":137,"children":139},"a",{"href":138},"\u002Fhypotheekadviseur\u002Fnhg\u002F",[140],{"type":23,"value":141},"Nationale Hypotheek Garantie (NHG)",{"type":18,"tag":19,"props":143,"children":144},{},[145,147,151,153,157],{"type":23,"value":146},"Met NHG krijg je vaak een lagere hypotheekrente en ben je beschermd bij financiële tegenslag. 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In 2024 kun je gemiddeld ongeveer 4,5 keer je bruto jaarinkomen lenen.",{"type":18,"tag":79,"props":216,"children":218},{"id":217},"stap-2-je-studieschuld",[219],{"type":23,"value":220},"Stap 2: Je studieschuld",{"type":18,"tag":19,"props":222,"children":223},{},[224],{"type":23,"value":225},"Heb je een studieschuld? Deze wordt meegenomen in de berekening. Voor studieleningen afgesloten na 2015 telt 0,35% van de oorspronkelijke schuld mee.",{"type":18,"tag":79,"props":227,"children":229},{"id":228},"stap-3-andere-financiële-verplichtingen",[230],{"type":23,"value":231},"Stap 3: Andere financiële verplichtingen",{"type":18,"tag":19,"props":233,"children":234},{},[235],{"type":23,"value":236},"Lopende leningen, creditcards en andere verplichtingen verlagen je maximale hypotheek.",{"type":18,"tag":79,"props":238,"children":240},{"id":239},"stap-4-de-hypotheekrente",[241],{"type":23,"value":242},"Stap 4: De hypotheekrente",{"type":18,"tag":19,"props":244,"children":245},{},[246],{"type":23,"value":247},"Hoe lager de rente, hoe meer je kunt lenen. Dit wordt berekend op basis van een toetsrente.",{"type":18,"tag":26,"props":249,"children":251},{"id":250},"welke-hypotheekvorm-past-bij-starters",[252],{"type":23,"value":253},"Welke hypotheekvorm past bij starters?",{"type":18,"tag":79,"props":255,"children":257},{"id":256},"annuïteitenhypotheek",[258],{"type":23,"value":259},"Annuïteitenhypotheek",{"type":18,"tag":19,"props":261,"children":262},{},[263],{"type":23,"value":264},"De meest gekozen vorm voor starters. Je betaalt maandelijks een vast bedrag, waarbij je in het begin vooral rente betaalt en later steeds meer aflost. Voordelen:",{"type":18,"tag":38,"props":266,"children":267},{},[268,273,278],{"type":18,"tag":42,"props":269,"children":270},{},[271],{"type":23,"value":272},"Vaste maandlasten gedurende de rentevaste periode",{"type":18,"tag":42,"props":274,"children":275},{},[276],{"type":23,"value":277},"Maximale hypotheekrenteaftrek",{"type":18,"tag":42,"props":279,"children":280},{},[281],{"type":23,"value":282},"Overzichtelijk en voorspelbaar",{"type":18,"tag":79,"props":284,"children":286},{"id":285},"lineaire-hypotheek",[287],{"type":23,"value":288},"Lineaire hypotheek",{"type":18,"tag":19,"props":290,"children":291},{},[292],{"type":23,"value":293},"Bij een lineaire hypotheek los je elke maand een vast bedrag af. Je maandlasten beginnen hoger maar dalen in de loop van de tijd. Voordelen:",{"type":18,"tag":38,"props":295,"children":296},{},[297,302,307],{"type":18,"tag":42,"props":298,"children":299},{},[300],{"type":23,"value":301},"Lagere totale rentekosten",{"type":18,"tag":42,"props":303,"children":304},{},[305],{"type":23,"value":306},"Snellere opbouw van overwaarde",{"type":18,"tag":42,"props":308,"children":309},{},[310],{"type":23,"value":311},"Minder restschuld bij verkoop",{"type":18,"tag":26,"props":313,"children":315},{"id":314},"tips-voor-starters",[316],{"type":23,"value":317},"Tips voor starters",{"type":18,"tag":319,"props":320,"children":321},"ol",{},[322,332,342,352,362],{"type":18,"tag":42,"props":323,"children":324},{},[325,330],{"type":18,"tag":65,"props":326,"children":327},{},[328],{"type":23,"value":329},"Begin vroeg met sparen",{"type":23,"value":331}," - Ook al kun je 100% van de woningwaarde financieren, de bijkomende kosten (circa 4-6% van de koopsom) moet je zelf 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De bijkomende kosten (kosten koper) moet je wel zelf betalen of meefinancieren als je energiebesparende maatregelen treft.\"},{\"label\":\"Wat als ik een studieschuld heb?\",\"content\":\"Een studieschuld verlaagt je maximale hypotheek. De exacte impact hangt af van wanneer je bent begonnen met studeren en hoeveel je oorspronkelijk hebt geleend. Een hypotheekadviseur kan precies berekenen wat dit voor jou betekent.\"},{\"label\":\"Kan ik samen met mijn partner kopen?\",\"content\":\"Ja, met twee inkomens kun je vaak meer lenen. Beide inkomens worden meegeteld bij de berekening van je maximale hypotheek. Let wel: ook eventuele schulden van beiden worden meegenomen.\"},{\"label\":\"Wat is het verschil tussen een starterswoning en een startershypotheek?\",\"content\":\"Een starterswoning is een woning die qua prijs en grootte geschikt is voor starters. Een startershypotheek is de financiering die je als starter afsluit. Dit kan voor elke woning zijn, niet alleen voor specifieke starterswoningen.\"},{\"label\":\"Hoe lang duurt het om een hypotheek te krijgen?\",\"content\":\"Gemiddeld duurt het hypotheektraject 4 tot 8 weken vanaf de eerste aanvraag tot het passeren bij de notaris. Begin dus op tijd met oriënteren, bij voorkeur voordat je actief gaat zoeken naar een woning.\"}]",[],3,"2026-08-11T09:43:39.865Z"]