Home Blog Page 8

11 things no one tells you about living in the Netherlands for the first time

Laura Corrigan
-
22
11 things no one tells you about living in the Netherlands for the first time

Before you move to a new country, the Netherlands or otherwise, you are sure to be showered with tips, tricks, anecdotes, recommendations, and more than a few warnings.

When I announced I was moving to the Netherlands, it went a little something like this:

  • “That’ll be lovely — all the tulips, the windmills…”
  • “Don’t smoke anything.” Or the alternative, “smoke everything!”
  • “Be careful out there, keep your wits about you! You know it’s a land of vice and sin!” — my dad would say in a half-joking, half-serious voice.
  • “Watch out for the canals, many fools have fallen right in.”
  • “Maybe you’ll get to sail along the canals on a boat?“

Needless to say, not all of these comments were correct, relevant, or necessary. I saw two windmills in my first months, not a single tulip, and I have yet to be invited onto a boat. 💁

Moreover, my host of advisors managed to leave out some key aspects of life on this sinking land.

1. The Netherlands is actually a kingdom

The Kingdom of the Netherlands is the official title given to the sovereign state of the Netherlands, Aruba, Curaçao, and Sint Maarten by King Willem-Alexander. A Dutch king, I mean, who knew? Likely a great number of people, yet I was not one of them. 🤓

photo-of-royal-dutch-family-king-queen-princesses-dog-in-amsterdam-court-yard
Yep, the Dutch have royals too! Image: RVD

The king and his family reside in the Huis ten Bosch Palace in The Hague. He is mostly a figurehead, but he is celebrated in true Dutch style* every April 27 on King’s Day.

*With lots of orange, alcohol, and parties.

2. There are checkpoints for bike lights

The politie occasionally set up checkpoints to ensure all bikes have working lights. And I mean, it’s a big deal.

It begins with the circulation of the “Brace Yourselves Check Points Are Coming” message, usually by your friends via WhatsApp. 🤳

photo-of-man-cycling-dark-netherlands-alone-in-forest-with-neon-orange-vest-on
Pas op! Do you have your lights on?? Image: Depositphotos

The next step is to buy some lights as yours are, without a doubt, broken, out of battery, or non-existent. Run to SoLow, Kruidvat, HEMA, or Action only to find empty shelves where bike lights should be.

READ MORE | 7 things that will get you fined while cycling in the Netherlands

But fear not; even without lights, you can survive the checkpoint. You can, of course, avoid the suspect streets. But if that’s not an option, you have two more choices:

  • When you know the checkpoint is coming, hop off your bike and walk. Easy as pie!
  • If worse comes to worst, throw yourself — bike and all — to the ground. In the chaos that follows, maybe, just maybe, your lack of lights will be forgotten.

3. Red light districts are everywhere

Red light districts are not unique to Amsterdam. Who knew? Again, not me. Until I took a wrong turn down an unknown street and learned that Groningen, too, has its fair share of window prostitution.

Picture-of-Amsterdam-Red-Light-District-crowds-of-people-walking-flashy-neon-signs-next-to-road-and-water
There’s more than just Amsterdam, you know! Image: Pixabay

4. Visa and Mastercard? Nope

Visa and Mastercards are largely not accepted here. Why in the world not? I’m still reeling from the embarrassment and confusion I experienced during my first several visits to Albert Heijn (a Dutch supermarket).

Handing over a VISA card is always a bit of a gamble. Image: Pexels

Although no card means no drunken contactloos pinnen. And believe me, THAT is a good thing. 🥴

READ MORE | 7 reasons the Dutch don’t do debt

But good news! The Dutch are finally starting to see the plus side of accepting and offering more debit and credit card services. For example, many Dutch bank cards are now being switched to debit cards — which means these cards will become more widely accepted.

5. Dutch staircases are hella steep

The rest of the world refers to them as ladders. But here’s an image of how narrow and steep they usually are in the Netherlands. How more folks have not fallen and snapped their necks, I do not know! 😳

READ MORE | Dutch Quirk #71: Have impossible narrow and steep stairs in their houses

Photo-of-steep-Dutch-staircase-white-stairs-red-pants-and-shoes-walking-downstairs
Try getting down that after a few drinks. 🤔 Image: DutchReview

6. It’s not a party without balloons

Mention the word “Netherlands” anywhere outside of the Netherlands, and those around you will say one or all of the following — “weed!” “marijuana,” “roll a joint,” “420,” or “blaze it.” And sure, that’s all cool, but do you know what’s cooler? Balloons.

picture-of-many-empty-used-laughing-gas-canisters-lying-on-the-concrete-street
And no, we don’t mean party balloons. Image: Depositphotos

Not just any balloons — balloons filled with nitrous oxide, or, as it is more commonly known, lachgas (laughing gas). The gas is a depressant-type drug that slows down the brain, leading to feelings of euphoria, difficulty in thinking straight, and fits of uncontrollable laughter.

In short, it gives you one heck of a high, even if it lasts only for a few short minutes.

You’ll often see lads with a canister, doing laughing gas straight on the street. While the government has banned the sale of laughing gas at clubs and pubs, this trend isn’t going away anytime soon.

7. The Dutch are a little cat crazy

The Dutch are cat people. Almost as much as they are bike people. Okay, maybe that’s an exaggeration, but truly, there are a lot of cats here.

blonde-woman-with-pet-cat-on-sofa-with-heatable-cushion-staying-warm-during-winter-at-home-in-the-living-room
Okay, I kind of want one too, now. Image: Depositphotos

Even the University of Groningen has its own cat — Professor Doerak, and yes, he has an Instagram fanbase.

8. People at home will only ask “So, how’s life in Amsterdam then?“

When you tell people you are living in the Netherlands for the first time, you will likely share with them the name of the city you will be living in.

phoyo-of-Canalside-view-of-Haarlem-in-while-on-Amsterdam-day-trip-colorful-pink-red-white-flowers-typical-dutch-houses-across-canal-sunny-warm-beautiful-day
There’s more to the Netherlands than Amsterdam! Image: Depositphotos

Let me tell you now, however, that you really shouldn’t have bothered. They will continue to assume you live in Amsterdam or, at best, that you live very close to Amsterdam.

9. You may just end up loving those Dutchies

Anyone can tell you that the Dutch are direct, blunt, and cut straight to the point. But few told me about how nice Dutch people are! Waiters and shop assistants are always super friendly and make an effort to chat with customers.

Photo-of-two-friends-at-bar-talking-two-men-smiling-laughing-surprised-with-beer-in-hand-blue-shirt-black-shirt
You know what? That directness is kind of refreshing. Image: Freepik.

READ MORE | 6 things to know about dating Dutch people

Every time the chain has fallen off my bike (many, many times) someone was always willing to help me or offer me a tissue for my oil-stained hands. It warms your heart, which is great considering how cold it can be here. 🤗

10. Dutch food is… different

Before moving to the Netherlands, I didn’t have the slightest idea of what Dutch cuisine could possibly be like. I expected a blend of European cuisines, featuring things like Schnitzels, sausages, baguettes, and so on.

I guess, in some ways, I wasn’t too far off — but nothing could have prepared me for the culture shock I had when I first found out about bitterballen.

READ MORE | 7 Dutch foods you need to try before you die

And there is so much more where that comes from: frikandelbroodjes, kapsalon, haring, stampot — so many strange foods I had never even heard about! But hey, don’t knock it ’till you try it — who knows, maybe you’ll love them all. 😋

photo-of-bitterballen-with-mustard-on-red-and-white-napkin-on-gray-plate-yummy
A typical Dutch feast! Image: Depositphotos

11. The wind will blow your socks off — literally

It makes sense that a flat, coastal country like the Netherlands gets some rough winds, right? Right — but I wasn’t really prepared for the sheer strength of them.

photo-of-windmills-turning-on-cool-day-with-wind-and-clouds-pink-clouds-storm-trees-leaves-plants-moving-fast
No wonder they have so many windmills! Image: Depositphotos

Will there be times when it feels like you can’t breathe because so much wind is flying into your face? Definitely. Will pedalling your bike through it feel like the toughest workout you’ve ever done? Absolutely. But will it make you feel alive? Hell yeah! 🌬️

What have you found surprising since living in the Netherlands? Tell us in the comments below! 

15 things to expect on a date with a Dutchie

Gaelle Salem
-
6
15 things to expect on a date with a Dutchie

You’re an international living in the Netherlands, and you’ve just said yes to a date with a Dutchie. Then, the nerves start kicking in, and you begin to overthink: How do I behave? What should I say? What will I wear? 

It’s no secret that the land of love can be tough to navigate in this tiny country — and as an international, cultural differences could end up crashing your date.

While it might seem like you’re entering the depths of a very unknown and mysterious place (the Dutch dating scene), there’s no need to fret.

We asked our readers to share their dating experiences and compiled a list of 15 things you might just encounter on your upcoming Dutchified date. 👇

1. They’ll send a Tikkie afterwards

Ah, nothing screams romance quite like sending a Tikkie after a first date — excuse us, what? 🤔

Picture this: you go out for a gezellige meal on the town, you have a great time, they pay the bill, and you go home. Sounds like your typical date, right?

READ MORE | 6 things to know about dating Dutch people

A few hours later, you’re surprised to discover that you’ve already received a message from your date. The text? “Please could you pay me €20 for the meal?” with a payment link included. Yup, you’ve just been Tikkie-ed. 🙃

Now, we all know the Dutch can be thrifty (to say the least), but it’s safe to say they take financial responsibility a little too seriously sometimes.

2. They’ll open their own door

To open or to not open the door? It’s a question pondered by many when on a date. Well, no need to doubt, you will be opening your own doors tonight!

The Dutch are zonder meer (without a doubt) modern thinkers, and being treated as an equal is very important to them.

So, even though opening the door for your date is definitely a polite gesture, it’s not at all dating etiquette for the Dutch and is actually frowned upon! 

3. They’ll typically eat foods close to their homeland

Now, the Dutch aren’t fussy eaters, and they’re gluttonous when it comes to their beloved Dutch foods.

You can expect to grease it up on your date with a typical Dutch starter of classic mustard-dipped bitterballen and a side of wooden toothpicks.

As for the main course, well, let’s just say the probability of some sort of deep-fried fish making its way to the table is… incredibly high. Oh, and don’t forget the boiled potatoes, carrots, and peas.

photo-of-sliptong-with-potatoes-peas-fish-on-white-plate-server-bringing-to-table-yummy
Sliptong with a side of potatoes? Pass it over! Image: Freepik

4. They won’t beat around the bush

This list wouldn’t be complete without mentioning the elephant in the room: Dutch directness. If there’s one thing the Dutch are famed for, it’s their lovely “tell it how it is” mentality.

You certainly won’t find your Dutch date biting their tongue and shying away from saying what’s on their mind.

READ MORE | The complete guide to Dutch pick-up lines, compliments and date phrases

Don’t want to know about the piece of spinach stuck between your two front teeth? Helaas, pindakaas. 

They’re no fans of sugar-coating, and they won’t hold back if they can revel in a good opinion-fueled debate.

5. They’ll teach you how to say “neuken in de keuken”

The Dutch love their expressions and will litter their conversations with them any chance they get. 

You’re definitely set to have a good laugh with your date as they try and get you to pronounce some comical Dutch phrases, like kippenvel hebben, which translates to “having chicken skin” but actually means to get goosebumps. 🥴

picture-of-two-men-in-restaurant-eating-food-dinner-drinking-with-colorful-printed-shirts-arguing-talking-discussing-confused-looks-on-faces
Be prepared for utter confusion when Dutch idioms enter the conversation. Image: Freepik

However, to save you from extreme embarrassment, when they tell you that the Dutch phrase, neuken in de keuken, means “hello” in English, it does NOT — far from it, in fact. (Look it up with caution!)

6. They’ll talk a lot about travel plans

Note to internationals: if you want to impress your date, talk about travelling! 

The Dutch love a gezellige vacation abroad almost as much as they love their bicycles — and if you’re well-versed in the ways of travelling, then you’ve already got a foot in the door with your Dutch date! 😊

7. They’ll ask a truckload of (very) personal questions

An important tip to remember: your date might just start talking to you like they’ve known you for years. This isn’t necessarily a bad thing — it certainly makes for a more intimate setting!

However, if your date follows up the conversation about their love of travelling with, “when was the last time you had sex?” or “do you believe in God?”, they’ve gotta pump the breaks. 😳

picture-of-woman-getting-annoyed-on-date-with-a-man-at-cafe-drinking-coffee-man-smiling-woman-palm-in-face-disappointed-sad-frustrated
Such personal questions are a great segue into a good date gone awkward… Image: Freepik

In all likelihood, you’re not mentally prepared to delve into personal (and hella awkward) topics when you haven’t even decided on an appetiser.

8. They’ll gossip about family members

It’s no secret that the Dutch are one for traditions. For many of them, having family by their side is an essential part of life. 

Knowing this, you can imagine that sharing some treasured family stories on the date comes as a part of the package deal.

READ MORE | This American TikToker is sharing hella accurate truths about dating in the Netherlands (and more!)

Even so, you might experience the conversation take a rather unsuspecting turn: Say, a one-eighty from enthusiastically talking about the adventures of their tantes (aunts) and ooms (uncles) to dishing on some serious family drama? Nou, leuk. 😅 

9. They’ll plan the date weeks in advance

Yes, the Dutch love their holy agenda, this much is true. From family barbecues to nights out with friends, they tend to plan everything weeks (even months) in advance. 

photo-of-Dutch-woman-with-orange-sweater-holding-an-agenda-on-her-lap-and-writing-planning-dates
Dutchies always have a plan! Image: Freepik

So, it wouldn’t be unusual if your date whips out their calendar and asks you way in advance which day and time would be best to pencil you in. 

You might have to wait a few weeks to actually go on the date, but if you really think about it, it’s certainly a flattering thought knowing that you’re worthy of their holy agenda. 🤓

10. They’ll be five minutes early to the date

Since the Dutch are devotees of a good agenda, you can also expect that their punctuality is very much on point.

photo-of-woman-waiting-and-checking-watch-annoyed-disappointed-facial-expression-look-on-her-face-fruity-drink-on-table-trees-outside
Early is on time, on time is late, and late is just unacceptable for the Dutch. Image: Depositphotos

You definitely won’t have to worry about missing your dinner reservations. For the Dutch, it’s fashionable to show up on time or even early for an occasion as special as a date.

11. They’ll keep the date-setting casual

There’s no chapter on fine dining in the book of Dutch dating. 

If you’ve ever heard clichés about the Dutch, then you’ve likely come across the one about their laid-back culture. Let’s just say they have a rather laissez-faire attitude towards things. 

READ MORE | Dutch Quirk #90: Go through a ridiculous number of dating stages before committing

What does this mean for your date? Well, you can expect to be romanced at a bar with a pint of beer and some bitterballen while watching a football game, rather than dining out in some fancy restaurant.

12. They’ll wear casual clothing

Now that you have a more vivid mental image of where your date will likely take place, you can also imagine that the date’s unofficial dress code would be something along casual lines.

READ MORE | Dutch Quirk #59: Wear way less make-up than people in other countries

The Dutch rarely overdress and prefer to keep it simple. With that being said, expect your date to show up in a pair of jeans and your standard tee.

photo-of-girl-smiling-at-boy-while-flirting-in-dutch-wearing-casual-clothes-green-leaves-behind-girl
Comfort is key! Image: Freepik

13. They’ll share tea bags with you

A good rule of thumb to up the romance factor on your date is to share things! This can be anything from a milkshake with two straws to appeltaart with two forks, or… tea bags?! 🥴

Yep. Come time for dessert, many Dutchies often indulge in a good cup of tea. But unlike the Brits, this normally means hot water poured into a transparent mug with a tea bag that gets dunked about 10 to 50 times and then gets reused. 🫖

READ MORE | Dutch Quirk #20: Be overwhelmingly stingy

Since the Dutch love to go half-sies on the bill, you can foresee that your tea bag will be shared with your date as well. Echt schattig! 🥰

14. They’ll bring you home… on the back of their bike

Your Dutch date might not open the door for you, but chivalry isn’t dead just yet! You can enjoy a leuk ride home with them, but it might require a teensy adjustment if you’re used to the lavish car lifestyle.

You’re in bicycle country, remember? So, expect your date to whisk you away on the back of their bike rather than a white horse. The shiny armour — and bike helmet — are optional.

@datingbeyondborders

Dutch women 💪 🚲 #dating #culture #datingbeyondborders #dutch #dutchwoman #bike

♬ original sound – DatingBeyondBorders

15. It’ll probably be a date with rain

Best known for its erratic weather, the Netherlands often experiences all four seasons in a single day. 

Unless the weather gods are on your side, you can expect a good stretch of rain on your date — and even though it’s unlikely that they’ll pay for your meal, you might just find them holding an umbrella over your head. ☔️

Ready for your Dutch date? Don’t overthink it; just have fun! Success! 🌹

Do you agree or disagree with these Dutch dating observations? Tell us in the comments below!

Discover the Zaan Curve: the perfect blend of Dutch heritage and modernity

Beatrice Scali 🇮🇹
-
0
Discover the Zaan Curve: the perfect blend of Dutch heritage and modernity

Just a few kilometres upstream from Zaandam’s fascinating architecture and the Zaanse Schans’ beautiful windmills, there is a small stretch of land packed with history, nature, and fun — the Zaan Curve.

In recent years, the Zaanstreek, the region composed of Zaandam and its surrounding towns, has finally gotten the recognition it deserves, becoming a popular tourist destination in the Netherlands. 

The region’s proximity to Amsterdam, as well as its unique combination of natural landscapes and traditional Dutch architecture, has prompted many to hop on a train and explore all of the Zaanstreek’s best spots… or almost all of them. 👀

You might have missed out on the beautiful Zaan Curve — time to remedy that! 

What is the Zaan Curve?

The Zaan Curve, or Zaanbocht in Dutch, is a curved stretch of land nestled along the Zaan river in North Holland. 

It owes its name to its location along a section of the Zaan where the river makes an abrupt bend to the East, between the towns of Wormerveer and Wormer.

READ MORE | This Dutch city lets you walk in the footsteps of Monet and Peter the Great (just 12 minutes from Amsterdam!)

While often overlooked by visitors in favour of its more famous neighbouring sights, locals actually consider the Zaan Curve as one of the most beautiful stretches of the Zaan.

The main reason is its unique landscape, featuring two waterfront towns dotted with historical landmarks that blend seamlessly with the surrounding nature. 

Curious to learn more about what the Zaanstreek has to offer? Check out Zaans.nl for the best tips on what to do, see, and eat in the region — in English, too. 😉

What is there to do in the Zaan Curve?

photo-of-riverside-view-in-zaan-curve
Love me a cheeky riverside walk. 🥰 Image: Zaans.nl/Supplied

For such a small stretch of land, the Zaan Curve really packs a punch when it comes to activities.

The area offers a dive into Dutch industrial history, a taste of the beautiful Zaanse nature, and a wide selection of trendy shops, eateries, and accommodation facilities. 

Explore Europe’s oldest industrial area: the Wormerveer hike

If you’re feeling active, we recommend going on the Wormerveer hike, a 6.5-kilometre circular walking route.

Starting at the Wormerveer Station, you’ll pass all the most interesting local historical landmarks and learn everything about the Zaan Curve’s past as *drumroll*… Europe’s oldest industrial area! 

READ NEXT | Hiking around the Zaanstreek: 9 perfect walks in the ultimate Dutch region

During colonial times, the Zaan Curve became a hub for the processing of several materials shipped from the so-called “East Indies” — this is when most of its fascinating architecture was created. 

The Adelaar

Photo-of-rooftop-statue-of-eagle-on-wormerveer-adelaar-building
You know who to blame if you feel watched during your trip to the Zaan Curve. 👁️🦅👁️ Image: Zaans.nl/Supplied

The Adelaar, or “The Eagle” in English, is perhaps the most symbolic building in the Curve, embodying the area’s history of reinventing itself through time.

It is also the most recognisable building, with the eagle statue on its roof serving as one of Wormerveer’s most iconic landmarks. 

READ NEXT | This hidden gem is the perfect day trip from Amsterdam: Discover the HEMbrugterrein

Built in 1896 as a soap factory, the Adelaar had a troubled life: it was destroyed by a fire, rebuilt from scratch, converted into a warehouse, and finally abandoned in the 1980s. At one point, the building’s state was so dire that the eagle’s head even fell off. 

In 2004, however, its classification as a provincial monument changed everything, prompting a major renovation. 

Today, after changing hands several times, the Adelaar houses the headquarters of a Dutch fashion brand and has been restored to its former glory — eagle head and all!

The Boon Tower

photo-of-restored-boon-tower-in-wormerweer-zaan-curve
Would you guess that this building is over a hundred years old? 🤯 Image: R&@E/Wikimedia Commons/CC2.0

The Boon Tower (Bean Tower), also known as cacaotoren (Cocoa Tower), is the Willy Wonka of Zaanse landmarks — an old chocolate factory dating back to the late 1910s. 

Just like the Adelaar, it was left to decay after it lost its industrial purpose. But don’t worry; the tower got its golden ticket when it was classified as a national monument and given a major makeover. ✨

The Fabriekswand

photo-of-wormerveer-fabriekswand-zaan-curve
Who said industrial buildings can’t be beautiful? 😍 Image: Zaans.nl/Supplied

A rice trade hub dating back to when the Zaan was a major artery for trade traffic, the Fabriekswand (Factory Wall) is the crown jewel of the Curve’s past.

The factory is part of the former Hollandia steam rice mill complex, featuring buildings with names such as Java, Saigon, and Batavia, revealing the factory’s colonial past.

However, the Fabriekswand’s most notable buildings are the massive, beautifully refined Lassie and Mercury buildings, located right next to the water — and directly across from the stunning waterfront villas where the factory owners once lived.

🚶‍♀️‍➡️ Distance: 6.5 kilometres
📍 Starting and ending point: Wormerveer Station 
🗺️ Get the route here.

Stroll through Zaanse nature: the Guisveld walk

Are you more of an outdoors lover than a history buff? Geen probleem, the Guisveld walk will quench your thirst for nature. 🌱

The route is designed as a scenic ten-kilometre hike or bike ride through the fields and canals between the Wormerveer and Zaandijk stations — which makes it very easy to reach by train. 

If you want to immerse yourself in the cow-populated tranquil nature that inspired a generation of Dutch landscape painters, this walk is for you! 

🚶‍♀️‍➡️ Distance: 10 kilometres
📍 Starting point: Wormerveer Station 
🏁 Ending point: Zaandijk Zaanse Schans Station
🗺️ Get the route here.

Shop, dine, wine…and unwind

After all that walking, you might want to relax — well, luckily, options for unwinding are plentiful in the Zen, uhm, Zaan Curve.

Still not done exploring? The Zaanstreek has plenty of other hikes to offer — check out Zaans.nl to find the perfect one for you. 👣

Trendy boutiques: where to shop in the Zaan Curve

photo-of-three-women-shopping-in-the-zaan-curve
Just three friends enjoying a LAWA (Lange Wandeling, long walk) in front of WALA. 🛍️ Image: Zaans.nl/Supplied

Just like one is never too full for dessert, one is never too tired to roam around cute stores. 😉

If, after all that walking, you’ve still got some steps to spare, we recommend you check out the Curve’s many boutiques — you can find everything from jewellery and trendy clothes to local fresh produce, refined furniture, or vintage household articles. 

If you’re looking for a place to get a taste of the regional delicacies or buy a healthy and tasty food souvenir, you should head to Heerlijk for some organic bites — if you’re into pretty rocks, you’ll also appreciate their gemstone collection. 

For a nostalgic voyage to the past, instead, you can check out Bij Katrien, and get lost in the store’s vast assortment of tastefully selected vintage household and cooking items. 

Wining and dining: where to eat in the Zaan Curve

You know those boring sandwiches wrapped in ten layers of tinfoil that your parents insisted you pack with you for every trip? Leave those in your school times memories — you won’t need them in the Zaan Curve. 

The area offers a bite for every palate. To satisfy your sweet tooth, head to Buter Patisserie en Chocolaterie for a pastry and a cup of coffee, or to Hemels ijs for a great Italian-style gelato with a view of the Zaan.

If you’re craving something more filling, check out Heerlijk’s tasty soups and sandwiches, or Lokaal de Kroon’s meat and fish courses, maybe accompanied by one of their many varieties of beers and wines.

Unwinding: where to stay in the Zaan curve

Photo-of-bed-and-breakfast-saenliefde-wormerveer-zaan-curve
Oh, to get a full night of sleep in a riverside Bed&Breakfast…🥰 Image: Indezaanbocht.nl/Supplied

Too tired and full to head back home? Geen paniek, the Curve won’t leave you stranded.

For a restorative night of sleep in a beautiful historical setting, we recommend trying Bed&Breakfast Saenliefde, where you can sleep in a fully renovated former warehouse, right next to the Zaan. 

If a converted warehouse is too secular for you, why not spend the night in a former church? This can be done at the Valerius Boutique Hotel in Wormer — yep, we know, nothing screams “Netherlands” like a repurposed religious building.

Well, well, well, who knew that one small stretch of land could pack so much fun? 

Whether you’re looking for a place to learn about history, relax in nature, or shop and eat the week’s stress away, a visit to the Zaan Curve is never a bad idea. 🥰

Have you been to this part of the Zaanstreek? Tell us about your past and upcoming trips in the comments below!

Border controls reintroduced between Netherlands, Germany and Belgium: Here’s what to expect

Ada Dolanay
-
1
Border controls reintroduced between Netherlands, Germany and Belgium: Here’s what to expect

Starting today, the Dutch Royal Marechaussee have introduced extra control along 800 border crossings in the Netherlands, as ordered by the Dutch government. 

Wait what? No, the Netherlands didn’t leave the European Union. Instead, these checks intend to combat human trafficking and illegal migration across the Dutch border, reports the NOS. 

How will this affect travellers?

From today onwards, cars, trucks and trains crossing into the Netherlands may be subjected to increased border control. 

If you’re worried about passport checks interrupting an intense session of carpool karaoke, don’t fret. Realistically, the Marechaussee don’t have the resources to monitor every crossing, meaning most people will experience little to no disruption.

READ MORE | OPINION: Why the Dutch government (really) wants fewer internationals in the Netherlands

However, random checks can happen. If you happen to be one of them, don’t panic! Here’s how it’s going to play out:

  • If your car is selected for a check, you will be directed to a specific checkpoint.
  • You will be asked to show a form of identification, so a (European) ID, passport, or residence permit.
  • There won’t be barriers, so delays should be minimal.
  • Once your documents have been checked, you’ll be good to continue driving (assuming you’re not a wanted criminal).
@dutchreview

Get your passports out… #netherlands #germany #bordercontrol #meme #dutchreview #fyp #fy #dutchlife #dutchstruggles #passports #expat

♬ original sound – DutchReview

International trains may also be subjected to increased border control. From today onwards, the Marechaussee have the power to search an unlimited number of carriages. So, if you’re travelling by train, ensure you carry proper ID. 🚆

Did you know: As a safety measure, you should always carry a valid passport or identity card when travelling abroad (yes, also in the EU). A Dutch driver’s licence is not an official form of identification abroad. Go to the government website for more information. 

Officials question border checks

Many Dutch mayors have expressed concerns about the lack of clarity surrounding the measures, fearing they could cause unnecessary inconvenience for road users. 

During Wednesday’s Lower House debate, questions were raised about the impact of these controls on commuter traffic, but the Asylum Minister was unable to provide detailed answers, according to NOS.

A spokesperson for the border municipality of Baarle-Nassau attempted to reassure the public, stating, “the checks will be targeted, so there will be no traffic jams.”

How often do you travel across the Dutch border? Let us know in the comments below.

Six dead after horrific explosions in The Hague neighbourhood

Beatrice Scali 🇮🇹
-
0
Six dead after horrific explosions in The Hague neighbourhood

On Saturday morning, multiple explosions caused an apartment building in The Hague to collapse, leaving at least four people injured and six dead. The search for victims is still ongoing.

The explosions, which happened around 6:15 AM on the Tarwekamp, in the Mariahoeve district, destroyed five apartments and several businesses underneath them, reports the NOS.

“Indications of a crime”

Footage from the area suggests that there were three explosions in total, a small one and two bigger ones, resulting in a massive fire that the fire brigades only managed to extinguish around 11 AM.

Although the cause of the explosions remains unknown, the police have said that “there are indications of a crime.”

Specifically, attention has been focused on a car that was seen speeding away from the Tarwekamp soon after the explosions.

Know anything about the incident? As the investigation continues, the police have asked people to come forward with any valuable information by filling out the Tip Form or calling 0800-6070.

Five victims have been identified

On X, The Hague police revealed that five victims have been identified: a man (31) from Voorburg, and a man (45) and two women (17 and 41) from The Hague.

No further information was given on the sixth victim, who was found this morning, or on the people who have been hospitalised.

Major Dutch politicians paid a visit

On Sunday, Prime Minister Schoof, The Hague Mayor Van Zanen and Minister of Justice and Security Van Weel visited the disaster site.

photo-of-explosion-scene-the-hague
The neighbourhood is deeply shaken by the incident. Image: Beatrice Scali/DutchReview

Their comments to the press reflect the gravity of the incident. “It’s intense, like being in a war zone. I’ve been in war zones and that’s exactly what you see,” Van Weel told the NOS.

Today, the Mayor returned to the explosion scene, this time accompanied by the King and Queen.

€350,000 raised for victims

A local organisation called Lichtpuntjes van Mariahoeve started a donation campaign for victims, both those who lost their loved ones or homes and the ones from the about forty apartments that have been evacuated.

The support has been incredible: over the weekend, they kept reaching and raising their goal.

So far, they’ve raised €351,000.

Want the latest Dutch news to come zooming through the internet to your inbox? Dat kan! Subscribe to DutchReview’s weekly roundup 📮

Investing in the Netherlands: 7 great apps for getting into stocks in 2024

Juni Moltubak
-
6
Investing in the Netherlands: 7 great apps for getting into stocks in 2024

There are heaps of great investment apps in the Netherlands, ready to give you a head start on your financial goals.

We get it, the thought of investing your hard-earned money can sound daunting, and it might not be for everyone.

Thankfully, investment apps can make it just a little bit easier, so you can give your wallet (and perhaps yourself) a well-deserved confidence boost.

We’ve found the best investment apps in the Netherlands that are available in English, super-easy to use, and have great options for returns on your cash.

1. DEGIRO: Known, trusted, and widely used

graphic-of-de-giro-investment-app-in-netherlands
DEGIRO is one of the most popular investment apps in the Netherlands. Image: DutchReview

With handy instruction videos and other educational tools to help you get started, DEGIRO is perfect for anyone new to investing. 

The platform has been praised for being very easy to use, and the low fees and good customer service make DEGIRO stand out in the crowd of Dutch investment apps. 

DEGIRO is ideal for those who are testing the waters of investment. You can even choose specific companies to put your money into if you’re feeling confident. 

✅ Pros:

  • Low fees
  • Easy to use
  • Commission-free ETFs (conditions apply)

❌ Cons:

  • Forex, CFDs, and crypto not available for investment
  • No demo account possible
  • No fractional stocks possible
Sign up for DEGIRO

Disclaimer: Investing involves risk of loss.

2. Trade Republic: Ideal for sky-high interest rates

trade-republic-graphic-investment-apps
Trade Republic is a great investment app in the Netherlands that also lets you invest in crypto. Image: DutchReview

When it comes to making the most bang for your buck, Trade Republic is our top pick for a financial app that offers you the highest interest on your initial investment — with super-low transaction costs.

Even better? In addition to buying and selling Dutch and international stock, the app lets you build a versatile portfolio with ETFs and cryptocurrency.

As a fully-online institution, Trade Republic currently only offers customer support by mobile — however, with their user-friendly interface and straightforward set-up, you’re unlikely to need it anyway.

✅ Pros:

  • Platform is easy to set up and use
  • High interest on stocks, ETFs, and crypto
  • No monthly subscription fees

❌ Cons:

  • No customer support by phone
  • Fewer analytics in comparison to some competitors
Sign up for Trade Republic

3. Scalable: A good savings rate and easy to get started with

graphic-of-investment-app-Scalable-in-Netherlands
Enjoy a healthy interest rate with Scalable. Image: DutchReview

With its clean aesthetic, 2.6% interest rate on cash, and multiple smart tools, Scalable is the perfect investment app for someone looking to do a lot with their savings. Think of it as the Swiss knife of investment apps.

One feature of Scalable that really shines is its PRIME+ Broker account.

With this, you can enjoy commission-free trading for orders over €250 and trade as much as you want for just €4.99 per month — meaning you’re free to do whatever your heart desires with your money (responsibly, of course).

✅ Pros:

  • Enjoy a 2.6% interest rate on savings
  • Investing explained in a smooth and easy way
  • Helpful tools to monitor your investments
  • Offers commission-free trading from €250 order volume with PRIME+ package

❌ Cons:

  • App uses a lot of investment lingo that may not be beginner-friendly
Sign up for Scalable

4. Peaks: Invest easily in an app that’s built to please

graphic of peaks logo and screenshot showing dutch investment app
Peaks makes it easy to look at your investments. Image: DutchReview

Peaks is a beautifully designed Dutch investment app with a reputation for being beginner-friendly, and a focus on sustainable investment. 

You can invest as much or as little as you like — anything from life savings to spare change is allowed, and you can even invest automatically. 

We especially liked their round-up feature: bought a coffee for €3.25? Congrats, your purchase is now €4.00, and €0.75 was just added to your investment portfolio. What a win! 

✅ Pros:

  • Easy to invest in sustainable index funds
  • The platform has a reputation for being accessible and beginner-friendly 
  • No transaction costs
  • Automatic investment 

❌ Cons:

  • More expensive than some competitors, especially for smaller investments
  • Not possible to invest in individual shares
Sign up for Peaks

5. eToro: Make friends while you invest

graphic of etoro logo and screenshot showing dutch investment app
eToro is an ultra-international investment platform. Image: DutchReview

Although eToro’s non-trading fees are somewhat higher than other investment apps in the Netherlands, this app also lets you buy stocks commission-free (with some exceptions), making it a worthy competitor in the world of Dutch investment apps. 

On the more unique side of things, eToro brands itself as the world’s most social investment platform, and they might just be right. 

The interactive community platform gives investing a whole new feel and makes it easy to seek, give, and apply good advice from other investors. Think: social media meets investing. 

✅ Pros:

  • Social trading
  • Demo account possible
  • Comprehensive educational resources available 

❌ Cons:

  • High non-trading fees
  • No crypto-to-crypto trading pairs
  • Limited selection of cryptocurrencies
Sign up for eToro

Disclaimer: Investing involves risk.

6. bunq: Tick the green box

graphic of bunq logo and screenshot showing dutch investment app
Bank disruptor bunq has turned its hand to investing — all in the same app. Image: DutchReview

Self-labelled “bank of the free”, bunq is all about making your financial life as straightforward and sustainable as possible. Best of both worlds much? 

bunq Stocks is a straightforward investment function built directly into the bunq app. It’s great for keeping a neat overview of your cash flow. 

bunq’s investment function is easy to use and lets you choose from a selection of the best stocks, ETFs, and cryptocurrencies. Thanks to its fractional shares, you can get started with as little as €10.

✅ Pros:

  • Automatic sustainable investment
  • Mobile bank and investment bank in one
  • Highly regarded user experience
  • Fractional shares possible

❌ Cons:

  • Only subscription-based packages are possible
Sign up for bunq

7. Revolut: The whole package in one app

graphic of revolut logo and screenshot showing dutch investment app
Revolut offers easy investing options alongside your everyday banking. Image: DutchReview

Revolut is truly the full package when it comes to mobile finances. In just one little app, you can save, spend, track, send, and, most importantly, invest your cash however you like.

With its sleek design, real-time performance updates, commission-free trading, and (fractional) investment opportunities at as low as €1, Revolut stands out as a beginner-friendly platform in the world of finance apps. 

✅ Pros:

  • Commission-free investment available
  • Banking, investment, and many other products in one app
  • Highly regarded user experience

❌ Cons:

  • Only subscription-based packages possible
Sign up for Revolut

What are the benefits of using an investment app?

Investing using an app is way more convenient than traditional investment methods. With a tap on your phone screen, your brand-new investment portfolio is in your pocket. 

man-using-investment-apps-in-the-netherlands
There are tons of advantages to using a Dutch investment app. Image: Depositphotos

Commuting to work? Eating lunch? Watching Netflix in bed? There are no limits to when, how, and in what you can invest when you have it all on your phone.

Oh, and transactions tend to happen faster through apps than with conventional methods, which means more precious time and money saved for you. 

Most investment apps also make an effort to provide a good visual overview of all your investments, which is especially great if you’re a beginner who doesn’t quite know how to keep track of everything. 

dutch-investment-apps-in-the-netherlands
The app format can make the whole investment thing more streamlined and efficient. Image: Depositphotos

Plus, apps are cheaper than running a brick-and-mortar operation, so that can even keep the internal costs of the brokerage down.

That means more focus on the things that really matter (paying for good customer service, for example, rather than heating up an office building) and better returns for you.

What about savings apps? 

Investing is lovely, but sometimes we also need a good way to put aside money in a savings account to keep some cash liquid (like for emergencies) or if we want to access our money in the near future without taking a risk on the market.

The unfortunate thing is that Dutch banks tend to have ridiculously low interest rates, making saving in the Netherlands a foolproof way to, well, lose money. 

Enter: border-crossing savings apps like Raisin! Raisin lets you shop around for whichever European bank has the best terms so that you can get the most out of your savings. 

READ MORE | Dutch savings accounts: Best interest rates in the Netherlands in December2024

Have you tried any Dutch investment apps? What are your top tips for a good investment journey? Tell us in the comments below!

Disclaimer: Investing involves risks and you can lose your investment. DutchReview is not a financial consultancy. The content shared on the website and on DutchReview’s social accounts does not contain any financially binding advice.

Investment apps in the Netherlands: Frequently asked questions

What are the best investment apps in the Netherlands? 

How can I invest in the Netherlands? 

Can I use a Dutch investment app if I don’t speak Dutch?

How do I know a Dutch investment app is safe?

Is it smart to invest in the current Dutch economy?

Can I invest ethically and sustainably in the Netherlands?

What are some useful resources for someone getting into investing?

Are Dutch trading apps regulated? 

Going Dutch? Why ING’s payment requests are the way to go

Lyna Meyrer 🇱🇺
-
0
Going Dutch? Why ING’s payment requests are the way to go

We’ve all heard of the term “going Dutch,” the classic practice of splitting the bill after a group outing. It’s such an integral part of Dutch culture that the Netherlands’ biggest bank, ING, has its own system in place to facilitate it: the betaalverzoek.

Betaalverzoek means “payment request” in English — and that’s precisely what it is: a straightforward request to ask others to pay you back.

Whether it’s your friend, sister, roommate, colleague, neighbour, or even your ex, an ING payment request makes it a breeze to get reimbursed for whatever is necessary. 

No more awkward conversations or forgotten debts, just a few quick taps and you’re sorted. 🤝

Going what-now? “Going Dutch” is an expression that means everyone pays for their own meal or outing expenses. It’s a big deal in the Netherlands because the Dutch value fairness and directness. Whether splitting the total or paying your exact share, going Dutch makes sure everyone pitches in their fair share and no one gets stuck with the whole tab!

How ING makes splitting the bill a breeze

As the Dutch bank par excellence, ING understands the cultural significance of going Dutch — and that’s why ING’s payment requests go far beyond a simple “Please pay me €10 for ‘Walking your dog’”. 

I’ve put the feature to the test, and these are the standout tools that truly make a difference. 👇 

Your money, just a few taps away

Tap, tap, tap, tap, tap — et voilà: you’ve been paid! 💰

That’s how easy and intuitive sending a payment request with ING is. No, literally. It takes as little as five taps.

From the home menu of your ING app, all it takes is one tap to access the payment request feature. From there, you can create your request and send it directly from the app via various channels like SMS, WhatsApp, AirDrop, e-mail, and more. 

Overhead-view-of-outside-restaurant-table-with-a-drink-and-a-phone-opening-the-ING-app-to-send-a-payment-request
Just open your app and go! Image: ING Media bank

The speed and ease of an ING payment request means you can ask for your money back while still enjoying the moment, whether at a café or hanging out at a friend’s place.

No calculator needed

One of my favourite features of ING’s app is the “Split the amount” tool. This feature allows you to divide a transaction into multiple parts with just a few taps. 

Spent €73 on drinks and need to split it with three friends? Simply hold the transaction and select “Split this payment.” A pop-up screen will ask how many people share your bill, and the app will handle the maths for you. 

group-of-friends-enjoying-drinks-at-bar-not-having-to-worry-about-maths-thanks-to-ing-payment-request
Less maths, more drinks. Image: Freepik

Even better, you can combine and split multiple payments in one go. Let’s say you paid for dinner, a movie, and ice cream. ING lets you combine all three transactions and easily divide them among your friends. To do so, just hold a payment and then select “Split multiple payments.”

This feature makes sure that everyone pays their fair share without any hassle. Easy-peasy! 🙌

Let adjustable amounts do the work

Managing group expenses has never been easier than with ING’s adjustable payment requests. 

With this feature, you can send out one payment request to everyone you paid for and let them put in the amount they owe themselves. (Double-checking recommended 😉). 

This is perfect if you went out for dinner with a group and only ordered a salad and tap water, while your friends had steaks and cocktails. 

The links stay valid for 35 days, meaning everyone has plenty of time to settle their bill.

Scan and pay, the QR code way

Let’s say you go out for a good ol’ borrel with your colleagues and don’t have everyone’s phone number. How will you get your money back? ING has the perfect solution.

ING allows you to create a QR code for your payment request. Simply pass the QR code around and let people scan it with their phone’s camera app.

close-up-of-two-people-using-qr-code-to-split-the-bill-with-ING
Other ING users can also scan the code in the ING app. Image: Freepik

And kach-ing, a minute later, you’ll have your money back. This tool allows everyone to scan and pay instantly, making it perfect for spontaneous gatherings or large groups.

Different bank? No problem!

Great news: the convenience of ING’s payment requests isn’t limited to ING customers. Anyone can pay you, as long as they have a Dutch bank. 

Your friend, colleague, or family member can easily pay your request with just a few taps on their phone.

Get your money instantly 

Thanks to ING’s quick service, any amount of money paid to you using a betaalverzoek will be in your account instantly. ⚡️ 

This real-time transfer means you don’t have to wait to access your funds, allowing you to keep your finances up to date without delay.

happy-woman-with-smartphone-smiling-because-she-got-paid-back-instantly-with-ING
Having to wait for your money? Never heard of it. Image: Freepik

Have you paid for dinner? Drinks? Tickets to the movies? Whatever it may be, an ING payment request makes going Dutch a breeze.

And, of course, ING does many things right — not just this token of Dutch culture. As the leading bank in the Netherlands, ING is a safe choice for all your Dutch banking endeavours.

Open your account today!

Do you frequently use payment requests? What’s a feature you’d love to see? Share your thoughts in the comments!

Dutch Quirk 113: Have multiple Christmas days (because one isn’t enough)

Heather Slevin
-
1
Dutch Quirk 113: Have multiple Christmas days (because one isn’t enough)

In the Netherlands, Christmas Day is an epic celebration that spans two whole days. Plus, over the period of November to December, you can expect to celebrate multiple festive events.

From the arrival of Sinterklaas to Saint Nicholas Eve, ice-skating galore and finally, Christmas Day (or days!), the Dutch really love to celebrate Christmas.

What is it?

The Dutch quirk leaves us internationals with a seasonal feeling. In the Netherlands, it’s clear they really appreciate the colder winter months and fill them up with feasts, parades, and more!

But, the quirky thing about Christmas in the Netherlands is just how long the celebrations last.

In the Netherlands, the Dutch celebrate Christmas Day. And, here in the land of windmills and tulips, December 25 and December 26 are both public holidays and are seen as Christmas Day One and Two.

Over the course of these two days, there will be gift-giving, feasting, and lots of celebration in the advent of Jesus Christ’s birth. The Netherlands, is, after all, founded in Christianity, and, in particular, Calvinism. 🙏

But, Christmas Day in the Netherlands has a major focus on spending time with friends and family and reconnecting before the kick-off of the New Year.

So, enjoy all the peace and quiet in December because once January 1 hits, you’ll have the sound of fireworks stuck in your ears. 🎇

Christmas day, not to be confused with the arrival of Sinterklaas

To internationals, it can seem that Christmas celebrations start on the first Saturday after November 11. On this Saturday, Dutch Santa, known as Sinterklaas, arrives in the Netherlands! 🎅

However, despite the festive feeling, this tradition is completely separate from Dutch Christmas Day.

In fact, the Dutchies have an entirely different day dedicated to celebrating the saint — Saint Nicholas Eve!

Traditionally, Sinterklaas travels all the way from Spain on his boat, with his helpers in tow, the Zwarte Piet (yes, those controversial guys).

He visits all the Dutch cities and towns, usually bringing his lovely steamboat along, and then says hello to all the awaiting Dutch children.

His arrival consists of a huge parade, ending in the town’s market square — and, if you’re lucky, you might even be able to say hello to the elusive fellow!

Saint Nicholas Eve

This tradition stems from the Dutchies’ long connection with Christianity.

Saint Nicholas, the patron saint of this holiday, was known to be a generous and giving Saint, and this is perhaps why we exchange gifts in the saint’s name. 🎁

Sinterklaas is the Dutch word for Saint Nicholas, and it is this Dutch translation of the saint’s name that led to the English tradition of ‘Santa Clause.’

Sinterklaas, Santa Claus; sound pretty similar, don’t they?

The Eve of Saint Nicholas kicks off on December 5 in the Netherlands, and consists of gift-giving, a little bit of playful poetry, and a truly Dutch novelty; gourmetten.

snow fall in maastricht netherlands at christmas time
Christmas in the Netherlands is a truly special time. Image: Depositphotos

But both Sinterklaas and the feast of Saint Nicholas are separate events from December 25 and 26.

Why do they do it?

This Dutch quirk is explained by the Netherlands’ history of religion and Christianity.

It starts with the celebration of Sint Maarten on November 11, to Sinterklaas’s arrival, to the feast of Saint Nicholas, and finally, the celebration of the birth of Jesus. ✝

Each of these days has its own separate traditions. Though in the 21st century, many of these traditions have become more Westernised, with ideas of gift-giving, decorating, and more, they remain special to the Dutch and Dutch history.

Yet, the reason why they celebrate Christmas over two days is quite simple; this way, families have enough time to reconnect with one another, enjoy meals and cosy up by the fire.

December 26, also known as Saint Stephen’s Day, or Boxing Day if you’re from the UK, is a continuation of the festivities, and means there’s more time for family.

Why is it quirky? 

For many internationals, the most important date in the winter calendar is December 25.

All the festivities during the colder months lead up to this one day, and the actual day can be hectic and exhausting, despite the atmosphere of giving in the air.

And, the day after? Saint Stephen’s day usually consists of Christmas tidy-up, eating leftovers, and trying to recover from hectic, pre-Christmas work schedules.

Many of us, I’d say, would appreciate an extra Christmas — if not just to have an extra lie-in. 😴

Should you join in? 

Yes! If you’re lucky enough to be close to any Dutch families, indulge in the traditions of gourmetten, pepernoten, and letter-giving.

If you’ve got a large family, the extra day means you have time for those closest to you and extended relatives, without making anyone feel left out.

Plus, you’ll find that spreading out the celebrations can make Christmas Day itself all the more enjoyable; say goodbye to last-minute turkey shopping, and stressful gift-wrapping!

What do you think of this Dutch quirk? Have you experienced it? Tell us in the comments below!

What is the Dutch National Mortgage Guarantee (NHG)?

Sarah O'Leary 🇮🇪
-
0
What is the Dutch National Mortgage Guarantee (NHG)?

If you’re an international who is looking to settle down and get a mortgage in the Netherlands, you’ve probably come across the term Nationale Hypotheek Garantie (NHG). While you may not know what it means, trust us: it’s very important. 

Especially if you want to take the leap and buy a home with a few extra safety nets attached. What do we mean? Let’s get into it.  

We teamed up with mortgage expert Fred van Maanen at Expat Mortgages to bring you up to date on all the latest information you need to know about the Nationale Hypotheek Garantie in the Netherlands. Want to know more? Set up a free consultation.

What is the Nationale Hypotheek Garantie or NHG? 

The Nationale Hypotheek Garantie translates to the National Mortgage Guarantee. 

The NHG is a guarantee on your mortgage that’s available in the Netherlands. It offers protection against any remaining debt if you can’t pay your mortgage due to involuntary unemployment, divorce, or an inability to work.

Photo-of-couple-sitting-in-new-house-with-boxes-after-buying-house-with-NHG-Dutch-National-Mortgage-Guarantee
What is the NHG? The National Mortgage Guarantee will help you protect yourself should you be unable to pay your mortgage. Image: Freepik

Should anything like this happen, the people at the NHG and your bank will try to find solutions so that you are able to stay in your house (instead of selling it).

If you are forced to sell your house and have to sell it for less than your mortgage balance, the NHG will cover the debt that’s left. Phew! 😅

READ MORE | Which experts can save you money when buying a house in the Netherlands?

In 2024, the NHG will cost you 0.6% of the mortgage amount. However, it comes with great benefits and is a popular option among hopeful Dutch and international homeowners in the Netherlands. 

Good news! In 2025, taking out a mortgage with the NHG will cost you 0.4% of the mortgage amount instead of 0.6%.

What are the requirements for taking out a mortgage with the NHG?

It’s important to know that the NHG is not available to everyone. In fact, there are a number of requirements that need to be met in order to benefit.

Whether you are eligible for a mortgage with the NHG depends on a number of personal factors:

Photo-of-couple-discussing-NHG-Nationale-Hypotheek-requirements-with-Dutch-mortgage-expert
There are a number of requirements you need to meet in order to benefit from the Nationale Hypotheek Garantie (NHG). Image: Freepik

What type of employment contract do you have?

If you have a permanent contract, your gross annual income will be taken into account. “If you have a temporary contract, you must be able to show a letter of intent for an indefinite contract from your boss,” Fred explains.

READ MORE | What does the future of the Dutch housing market look like? We sat down with a mortgage expert

“If you have a flexible contract or you can’t get the required intent for an indefinite contract, the average income over the past three calendar years will be taken into account. Hopeful buyers should also note that a probation period must have been passed first.”

That’s right, you do not need a permanent contract in order to qualify for the Dutch National Mortgage Guarantee (NHG)! 

Are you a freelancer?

If you own a freelance business, you must prove that you have earned an income from the business over the past three calendar years, and you must be registered at the Dutch Chamber of Commerce.

However, there are other ways to meet this requirement, Fred tells us.

“Sometimes it’s possible to show just one calendar year of your business’s earnings plus showing the earned income from the same type of work as an employee in the two years before.”

Photo-of-family-unpacking-boxes-in-new-house-with-children-after-buying-house-with-Dutch-NHG
There is a price cap on mortgages that you can get an NHG on. Image: Freepik

Do you have any debt?

Debt can also have an impact, Fred explains.

READ MORE | How will my student debt affect my chances of getting a mortgage in the Netherlands?

“If you have a personal loan, credit line, overdraft or any other financial obligation such as a private lease car or mobile phone contract, your loan-to-income range will be affected. Ground lease and leasehold payments will also be taken into account.”

Decided you want to get a mortgage with the NHG? Reach out to Expat Mortgages!

Fred and his team are the experts when it comes to calculating and securing mortgages for internationals in the Netherlands. 

Using their skills and good standing with lenders, Expat Mortgages will ensure the road to securing your ideal mortgage is smoothly paved. Step one? Schedule a completely free consultation to discuss your options.

What is the purchase price of the house?

The purchase price of the house, including renovations, must not exceed the NHG limit. 👇

What is the Dutch NHG limit?

When it comes to applying for an NHG mortgage, it’s important to note that there’s a price cap on the expense of the home you wish to take out a mortgage on. 

photo-of-couple-sitting-together-on-couch-looking-up-Dutch-national-mortgage-guarantee
There is a limit to how high of a mortgage you can take out with the Dutch National Mortgage Guarantee. Image: Freepik

In 2024, the NHG is only available for houses that sell for a maximum of €435,000. However, in 2025, the NHG limit will increase to €450,000.

That being said, there is one exception to this rule: if you want to take measures to make the home more sustainable, then the mortgage value can be raised to 106% of the value of the home. 

READ MORE | Your borrowing power for a Dutch mortgage

This means that, in 2024, if you want to get an NHG mortgage on a house worth €435,000 but want to take measures to make it more sustainable, then the borrowing limit will be raised to €461,100.

In turn, this means that in 2025, this borrowing limit will increase to €477,000 if you plan on making sustainable renovations to the home, such as installing solar panels or better insulation. 

Are internationals in the Netherlands eligible for the NHG? 

In short, yes! If you are eligible for a mortgage in the Netherlands and meet the above requirements as well as the following, then you are just as eligible for a Dutch mortgage as a born and bred Nederlander. 

READ MORE | Is now the time to buy a house in the Netherlands? Here’s what the mortgage experts say

So, what extra steps must internationals take to be eligible for a mortgage with the NHG?

If you’re from the EU

As always, it’s a bit easier if you’re from the EU. In this case, the NHG doesn’t discriminate based on nationality, just whether or not you are able to finance the loan.

Photo-of-international-family-at-house-viewing-Netherlands
Internationals can also benefit from the Dutch National Mortgage Guarantee. Image: Freepik

If you’re not from the EU

“If you’re a non-EU citizen — including someone from Switzerland, Norway, Iceland and Liechtenstein — you will need a permanent residence permit,” Fred explains.

However, it’s not end-game if you don’t have this. 

“You can also be eligible for a Dutch mortgage if you have an EU residence permit for long-term residents, or a ‘Permanent Residence Permit for Citizens of the Union’, or a residence permit in the Netherlands for a purpose of stay that is not temporary within the meaning of Article 3.5 of the Aliens Decree.”

“For instance, being a highly-skilled migrant (so-called kennismigrant) is considered a non-temporary stay.”

Why should you opt for a mortgage with the NHG?

There are many reasons why you should consider taking out a National Mortgage Guarantee (NHG) as an international in the Netherlands. 

READ MORE | How much do I have to earn to buy a house in the Netherlands?

Firstly, lenders offer much lower interest rates if you opt for the NHG when sealing the deal on your Dutch mortgage. Lower interest rates mean lower monthly payments — leading to more money in your back pocket. 

Photo-of-happy-family-moving-into-new-house-they-bought-with-NHG-Dutch-National-Mortgage-Guarantee
There are many reasons why you should consider a mortgage with the National Mortgage Guarantee. Image: Freepik

On top of this, the 0.6% of the housing cost that goes towards the NHG is tax deductible. In this case, you’re not only getting back some of your money but also spending less each month due to lower interest rates.

In short, with the NHG, your monthly mortgage costs will be lower, you’re protected in the worst-case scenario, and you can deduct the cost from the taxman!

Will you be making use of the NHG in the Netherlands? Tell us your thoughts in the comments below! 

What is the NHG? Frequently asked questions

What is the Nationale Hypotheek Garantie (NHG) limit?

In 2024, the NHG can be used to take out a mortgage on a house worth up to €435,000. However, in 2025, this limit will rise to €450,000.

If you intend on making sustainable renovations to the home, 106% of the value of the house can be borrowed, increasing the limit to €461,100 in 2024, and €477,000 in 2025.

Can internationals take out a mortgage with the NHG?

Yes, internationals may also be eligible to take out a mortgage with the Dutch National Mortgage Guarantee (NHG). You must meet a number of requirements, however if you meet these, you are just as eligible for the NHG as a Dutch person.

Is taking out a mortgage with the NHG mandatory?

No, taking out a mortgage with the NHG is not mandatory. However, if you are eligible for it, there are many benefits to taking out a mortgage with the NHG.

Do I need a permanent work contract to qualify for the NHG?

No, you don’t need a permanent work contract to qualify for the Dutch National Mortgage Guarantee. Instead, your average earnings over the past three years can be calculated and used to determine whether or not you are eligible for the NHG.

That time a Dutch tourist accidentally became a celebrity in Georgia

Lina Leskovec
-
0
That time a Dutch tourist accidentally became a celebrity in Georgia

If you’re dreaming of fame, you might not need to try too hard. Put down your guitar and cancel those acting lessons – sometimes all it takes is a plane ticket to Georgia. 

At least that’s what it took for Jesper Black when he wanted to visit some friends in the beautiful Caucus country in 2016. 

What appeared to be a simple visit became a road to celebrity — at least in Georgia. 

How did this happen?

What more could a tourist want than some beautiful landscapes, good food, and really (really!) good wine? 

The Georgian National Tourism Administration asked themselves the same thing about 10 years ago when they realised their tourism numbers weren’t exactly where they wanted them to be. 

panoramic-view-of-Tbilisi-where-Dutch-tourist-accidentally-became-famous
Tbilisi is looking pretty charming if you ask us. image: Dreamstime

Even though Georgia has all of the above to offer (and more), there weren’t that many people visiting the country. 

So the administration did what anyone would: they planned an unforgettable welcome for their six-millionth tourist. 

How? They partnered up with a film-production company and created a video documenting a very extravagant welcome. 

All that was left for them to do was to stake out the airport in Tbilisi and count passengers exiting a newly arrived plane. 

They hit the number six million, and voilá, a Dutchman was about to truly enjoy what it means to be in the right place at the right time. 

Who is Jesper Zwart? 

The Dutchman in question was Jesper Zwart. 

Originally from Groningen, but also having lived in Barcelona for a bit, Jesper worked at a call centre.

Like many of us, Jesper dreamt of travelling as the colder, darker months of the year approached the Netherlands, but he took it to the next level. 

Every so often, he booked a couple weeks off work in order to travel: around Europe, to Asia, to South America, anywhere. 

In 2016, he decided to visit some friends in Georgia on one of his many trips. 

What was waiting for Jesper in Georgia?

Being presented with a bottle of wine at passport control is a bit unusual, but perhaps Jesper attributed this to exceptional Georgian hospitality.

Things definitely got weird, however, when he exited the gate and found a chaffeur with his name on a sign waiting for him. Jesper was taken to a limo and presented with an envelope that read: “You’re very special to us. Prepare for a surprise. – Georgia.” 

If strange men taking you away in limos and cryptic messages signed by states sound scary to you, you’re not alone. I’d be pissing myself. Not Jesper, though. He seemed quite excited about the whole thing.

READ MORE That time there was a Georgian uprising on Texel during WWII

His excitement grew when he saw that the limo was accompanied by a police escort and his passport photo projected on billboards around the capital with the ominous caption “he has arrived.” 

It’s safe to say Georgia was fortunate Jesper was the lucky number six million. His spirits remained high in spite of his passport picture being projected for all of Tbilisi to see. 

But Georgia’s publicity stunt didn’t end there. The limo stopped at a red carpet leading to the fancy restaurant Funicular, where he was welcomed by none other than the Prime Minister of Georgia at the time, Giorgi Kvirikashvili. 

To make the welcome truly grand, the whole country participated in Jesper’s welcome. Every Georgian could vote online for which dishes should be included in the dinner the Dutchman was about to have with the prime minister. 

The food wasn’t just accompanied by famous Georgian wine but also performances of traditional dance and music.

Jesper saw the best of what Georgia had to offer by the end of the night, and he was impressed.

How “Jesper Black” came to be

And he wasn’t alone. The video documenting his experience went viral and made him somewhat of a celebrity in Georgia. 

The tourism campaign was so well produced that the video even won Silver and Bronze Lions at the Cannes International Festival of Creativity.  

Jesper seized his newfound fame with both hands. Since his last name, Zwart, was confusing to some people (as many of us can probably relate), he changed it to Black. 

And so, call centre employee from Groningen, Jesper Zwart, was gone, and Jesper Black was ready to take Georgia by storm.

Jesper didn’t really speak the language yet, and he was a pretty bad dancer (by his own admission). So naturally, he began by going on Georgian Dancing with the Stars. 

The experience was a bit of a fail, but that didn’t curb his enthusiasm for Georgia, and he ended up staying.

Georgia became his home for the next two years — all as a result of him stepping out of that plane at the exact right time. 

Maybe he helped an old lady with her bags, maybe he let a few people pass him in the aisle because they were in a hurry. Whatever lucky coincidence brought Jesper to Georgia, it didn’t keep him there forever. 

Where is Jesper Black now? 

After a few years, he realised he was too restless to stay in one place. It was time to leave, although with fond memories. 

He is back to travelling and living in all kinds of different places — currently in Barcelona again.

He did leave the celebrity life behind him, though. These days, Jesper fills his days with photography and retweeting Joe Rogan. 

What’s your craziest travel experience? Let us know in the comments! 

1...789...785Page 8 of 785