Mon, 08 Nov 2021 10:17:28 GMT Fri, 19 Dec 2025 12:00:00 GMT https://www.dnb.nl/en/ The figures paint a remarkably positive picture: the Dutch economy is growing faster than expected. But where do we really stand, and what can the government do to address factors that are constraining further growth? Below, we discuss five figures from our Autumn Projections. Fri, 19 Dec 2025 12:00:00 GMT https://www.dnb.nl/en/general-news/background-2025/the-dutch-economy-in-five-figures-where-do-we-stand/ Growth in the Dutch economy is significantly higher this year than expected in the spring. Whereas economic growth for 2025 was estimated at 1.1% last June, it is now projected to be 1.7%. This is evident from the Autumn Projections, published today by De Nederlandsche Bank (DNB). Fri, 19 Dec 2025 12:00:00 GMT https://www.dnb.nl/en/general-news/press-release-2025/dutch-economy-shows-remarkably-higher-growth/ Mortgage lending by banks in the Netherlands is growing robustly again after a temporary downturn, new figures from DNB show. Growth is even above the euro area average. Loans with fixed-interest periods of five to ten years in particular are in demand. Mon, 04 Aug 2025 12:00:00 GMT https://www.dnb.nl/en/general-news/statistical-news/2025/banks-are-lending-more-for-residential-mortgage-loans/ The Dutch economy is set to grow by 1.1% in 2025. Uncertainty and trade tensions will continue to mute economic growth at around 1% a year for the following two years. This is according to the Spring Projections as published by De Nederlandsche Bank (DNB) on Friday. Fri, 06 Jun 2025 13:00:00 GMT https://www.dnb.nl/en/general-news/press-release-2025/uncertainty-and-trade-tensions-weigh-on-economic-growth/ The Dutch housing market is tight, making houses difficult to afford. While more houses are needed, high land prices and other obstacles are hindering new construction. Mon, 02 Jun 2025 12:00:00 GMT https://www.dnb.nl/en/general-news/background-2025/development-impact-fees-what-difference-could-they-make/ Dutch mortgage funds received €2 billion in new investments from institutional investors such as pension funds and insurers in the first three quarters of 2024, DNB figures show. This is less than in previous years and can be attributed to market interest rates having risen sharply during 2022. Fri, 06 Dec 2024 12:00:00 GMT https://www.dnb.nl/en/general-news/statistical-news/2024/investor-interest-in-dutch-mortgage-funds-continues-to-decline/ Higher mortgage rates over the past two years caused house prices to fall temporarily, but now they are rising. How can that be explained? Thu, 06 Jun 2024 12:00:00 GMT https://www.dnb.nl/en/general-news/background-2024/explanations-for-rapid-recovery-of-house-prices/ The market for Dutch green securitisations of residential mortgages and for green covered bonds more than tripled in size in 2023 compared to 2022, DNB figures show, reflecting investor demand for green investments. Tue, 09 Apr 2024 12:00:00 GMT https://www.dnb.nl/en/general-news/statistical-news/2024/sharp-increase-in-green-securitisations-in-2023/ Buy or rent? The housing situation of 1.8 million households in the Netherlands does not match their preferences. This means they currently rent their home but would prefer to buy, or own a home but would prefer to rent. Tue, 05 Sep 2023 07:00:00 GMT https://www.dnb.nl/en/general-news/news-2023/1-8-million-dutch-households-would-rather-be-in-a-different-housing-situation/ From the autumn of 2023, first-time buyers will find homes slightly more affordable. Although house prices are falling, first-time buyers’ mortgage costs are higher than a year ago as mortgage rates have gone up. Wed, 03 May 2023 12:00:00 GMT https://www.dnb.nl/en/general-news/news-2023/will-dutch-first-time-buyers-be-able-to-afford-a-home-again/ An increasing number of banks are reporting a drop in demand for residential mortgage loans, as revealed in the latest Bank Lending Survey. Tue, 02 May 2023 12:00:00 GMT https://www.dnb.nl/en/general-news/statistical-news/2023/more-banks-see-drop-in-demand-for-residential-mortgage-loans/ Dutch households are increasingly taking out variable-rate mortgage loans or fixed-rate residential mortgage loans of up to one year, DNB data show. Thu, 24 Nov 2022 12:00:00 GMT https://www.dnb.nl/en/general-news/statistical-news/2022/variable-and-short-term-mortgage-rates-increasingly-popular/ Dutch mortgage debt is also on the rise. Unlike before, it is mainly institutional investors who are responsible for this growth, rather than the banks. In addition, growth is relatively subdued from a historical perspective in relation to the rise in house prices. Mon, 08 Nov 2021 10:00:00 GMT https://www.dnb.nl/en/general-news/statistical-news/2021/new-mortgage-loans-mainly-provided-by-institutional-investors/ The overheated Dutch housing market has to contend with multifaceted and urgent issues. Fri, 15 Oct 2021 06:00:00 GMT https://www.dnb.nl/en/general-news/news-2021/four-key-elements-for-achieving-a-more-balanced-housing-market/ The economic recovery continues at a robust pace, the search for yield continues and house prices keep going up. Against this backdrop, it is important not to lose sight of growing vulnerabilities and risks to financial stability. Mon, 11 Oct 2021 12:00:00 GMT https://www.dnb.nl/en/general-news/press-releases-2021/robust-economic-recovery-but-vulnerabilities-on-the-rise/ On 11 October 2021 Klaas Knot presented our six-monthly Financial Stabilty Report. You can read his introductory remarks here. Mon, 11 Oct 2021 12:00:00 GMT https://www.dnb.nl/en/general-news/speeches-2021/introduction-to-the-press-conference/ The costs of home ownership are to be included in the inflation measure of the European Central Bank (ECB). Tue, 07 Sep 2021 12:00:00 GMT https://www.dnb.nl/en/general-news/background-2021/home-ownership-costs-to-be-incorporated-in-the-inflation-measure/ In 2020, buy-to-let mortgages amounting to EUR 1.4 billion were packaged through securitisation and sold to investors. This accounts for one third of the total residential mortgage loans of EUR 4.2 billion that were securitised in 2020. Wed, 31 Mar 2021 10:00:00 GMT https://www.dnb.nl/en/general-news/statistical-news/2021/more-packaged-loans-from-buy-to-let-mortgages/ The coronavirus crisis led to an increase in household savings in the second quarter of 2020. Remarkably, mortgage prepayments – which are also a form of savings – did not increase during the same period. They only increased in relatively young households. This may be due to their higher mortgage... Tue, 29 Dec 2020 12:00:00 GMT https://www.dnb.nl/en/general-news/news-2020/no-increase-in-households-mortgage-prepayments-despite-higher-savings/ Since 2015, the interest rates on interest-only mortgage loans have been higher than those on annuity-based mortgage loans. This price differentiation in mortgage loans provided by banks emerged when non-banks entered the market and banks began to earn less on their mortgage loans... Thu, 29 Oct 2020 12:00:00 GMT https://www.dnb.nl/en/general-news/news-2020/competition-intensifies-and-price-differentiation-increases-in-the-dutch-residential-mortgage-loan-market/ The tripling of house prices in the Netherlands over the last 25 years is primarily attributable to homebuyers’ increased borrowing capacity, and less so to changes in the housing shortage... Thu, 16 Jul 2020 12:00:00 GMT https://www.dnb.nl/en/general-news/news-2020/house-prices-are-more-closely-related-with-borrowing-capacity-than-with-housing-shortage/ In a survey distributed by DNB, Dutch banks report that they tightened the credit standards for corporate loans and residential mortgage loans in the second quarter of 2020. In the next three months they expect to tighten these standards even further. Tue, 14 Jul 2020 12:00:00 GMT https://www.dnb.nl/en/general-news/statistical-news/2020/banks-tightened-credit-standards-for-corporate-loans-and-residential-mortgage-loans/ During the first quarter of 2020, some Dutch banks reported an increased demand for corporate loans. They expect this trend to continue in the second quarter. The rise can partly be attributed to the increased liquidity needs of businesses due to the current coronavirus measures. Tue, 28 Apr 2020 12:00:00 GMT https://www.dnb.nl/en/general-news/statistical-news/2020/banks-report-increased-demand-for-corporate-loans/ Affordable rented homes in the non-subsidised sector are hard to find. New entrants to the housing market especially would benefit from a better-functioning non-subsidised rented sector. Moreover, a larger rented sector would also have benefits for the rest of society. Thu, 09 Apr 2020 12:00:00 GMT https://www.dnb.nl/en/general-news/news-2020/better-balance-between-owner-occupied-and-rented-homes-would-benefit-both-housing-market-and-society/ In 2019, the amount outstanding in Dutch packaged loans, commonly known as securitisations, went down by EUR 6.6 billion (-13.3%) to EUR 43.0 billion. This is the lowest level since 2010. The new rules, under which investors investing in simpler securitisation structures benefit ... Tue, 07 Apr 2020 12:00:00 GMT https://www.dnb.nl/en/general-news/statistical-news/2020/market-for-packaged-loans-sees-no-recovery-as-yet-amid-new-rules/ Real estate prices are increasingly moving in sync, appreciating rapidly again in many countries (see Figure 1). The role of international investors is growing in both the residential and commercial property markets. The Property price dynamics: domestic and international... Tue, 18 Feb 2020 12:00:00 GMT https://www.dnb.nl/en/general-news/news-2020/global-synchronisation-of-real-estate-prices-but-significant-differences-in-cross-country-price-dynamics-remain/ Since the credit crisis, investments of Dutch insurers in mortgages have grown. Mortgage investments with longer fixed-interest periods offer insurers relatively high returns and reduce the maturity mismatch with their liabilities. Derivatives such as interest rate swaps further hedge ... Mon, 13 Jan 2020 12:00:00 GMT https://www.dnb.nl/en/general-news/statistical-news/2020/balance-sheets-of-insurers-show-increase-in-mortgages-and-derivatives/ Over half of the aggregate Dutch mortgage debt consists of loans that do not involve any contractual repayments during the loan term. There is a risk that the households in question may not have the means to repay their debts before or when their loans expire. Lenders must actively alert... Mon, 09 Oct 2017 00:00:00 GMT https://www.dnb.nl/en/general-news/press-releases-2015-2020/decisive-action-needed-with-regard-to-interest-only-mortgage-loans/