Mortgage guarantee limit massively outpaces what homebuyers can afford to borrow

Summary

The National Mortgage Guarantee (NHG) raised its limit to €500,000, reflecting rising home prices. However, the average homebuyer can only borrow approximately €361,000, requiring a significant income increase to qualify for the new limit starting January 1. Couples will need to earn €110,000 annually to afford the new NHG limit. The new NHG limit takes effect on January 1.