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The €35,000 Mortgage Trap: Why Dutch Lenders Are Demanding Savings You Can’t Fake

Netherlands

Feb 19, 2026

The €35,000 Mortgage Trap: Why Dutch Lenders Are Demanding Savings You Can’t Fake

New risk rules requiring two years of double mortgage coverage in savings are creating a hidden barrier for Dutch homebuyers, even those with strong incomes and substantial equity.

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