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Questions tagged [netherlands]

For questions that relate to the laws, practices, and products of The Netherlands.

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5
votes
2answers
351 views

Is the British student loan considered the same as a standard loan when applying for a mortgage abroad?

I am currently living in the Netherlands and I have quite the accumulation of UK student debt, currently it's sitting at around £50000 but based on my repayment schedule, it wouldn't affect my ability ...
2
votes
2answers
257 views

What is the capital gains tax on stocks in Netherlands?

Pretty simple question - but I have read conflicting pieces saying in some cases capital gains is 0% in Netherlands and other places that it is 25%. Can anyone share details on the rate of capital ...
6
votes
4answers
590 views

Where to save for retirement

TLDR: Given the option to save for retirement in Europe, USA or Japan where is the ideal place to save up money and why? So I'm somewhat of a global citizen who has been moving around the world ...
4
votes
3answers
133 views

Netherlands taxes and net income

I'm considering a job in the Netherlands. The annual gross income is 70,000. Checking online it says it falls on a tax bracket of 51.75%. I deducted that to the gross then divided by 12 months, I ...
2
votes
1answer
140 views

How Much Am I Losing On Dividend Tax?

I bought a Vanguard S&P 500 ETF that is issued in Ireland, yet my country of residence is the Netherlands (I'm doing this since from what I see there is no current Dutch ETF that follows the S&...
5
votes
1answer
125 views

What's the equivalent of the U.S. Securities and Exchange Commission in the Netherlands?

I'm looking for 10-K financial statements and I can't find the SEC.gov equivalent in the Netherlands.
1
vote
0answers
43 views

US tax return - how to report a private stock that paid out dividends and liquidated at $0 value

I work in the United States. My Netherlands based employer offered me to buy into an employee equity program organized as a Dutch BV. My basis is approximately $4000 from two purchases in 2011 and ...
0
votes
1answer
81 views

Tax in the Netherlands

I have a question regarding tax in the Netherlands. I have a gross monthly salary of 3,500. I am allowed to enter the 30% tax ruling (young employee with masters). Then what is my monthly net income? ...
3
votes
0answers
62 views

Are Netherlands“second pillar” pensions USA Section 402 compliant?

I am a US citizen and work in the Netherlands as an employee for a Dutch company. In the Netherlands, the retirement pension system is based on three pillars: the public pension scheme, akin to the ...
0
votes
0answers
197 views

Business days in Form 2555 Foreign Earned Income exclusion

I have been a resident of the USA since 2012 and became a US citizen in May 2018. I moved out of the USA in October 2017 and in 2018 I visited the USA in two occasions and stayed for 31 and 2 days (...
14
votes
6answers
951 views

I have just short of € 15,000 in a savings account with 0.03 % interest – do I have better options?

I am 21 years old, am in college and have a savings account with nearly € 15,000. As I understand it, inflation devalues money at about 2 % a year while the interest rate of my savings account is only ...
4
votes
3answers
469 views

Monthly terms on mortage are significantly lower than rent, but I already have debt. Does it make sense to buy a house?

Short version. We are currently saving around 1.5k a month. We have 3k in savings. We have around 80k in debt. We earn 55k a year. The monthly payments on a mortgage for a 180k house are ...
2
votes
2answers
388 views

Save or invest?

I'm 19 years old Software Development Student from The Netherlands Currently i'm making around a €500 (600USD) a month. My parents are saying that I should deposit at least 35% of my wage to my bank ...
6
votes
3answers
459 views

Saving/investing instead of paying off 0.01% interest student loan. Am I missing something?

I have a rather large amount of student loans, around 40k euro. The rate is set for 5 year time periods. I have to pay 0.01% interest over them until 2020. Historically, it has rarely been higher than ...
3
votes
2answers
310 views

Does the Netherlands tax citizen's wealth?

This question implies that the Netherlands government taxes citizens' wealth year after year; even well beyond it originally being earned by the citizen. Is that true?
26
votes
16answers
10k views

How to best invest 90,000 EUR with zero knowledge in investing?

I have 90,000 EUR and difficulty figuring out what to do with it. This money is in a savings account with an interest rate of only 0.05%. Here in Netherlands, I pay around 600 EUR each year on this ...
2
votes
1answer
159 views

Does a consumer lose their rights under a repair/refund guarantee, if they apply for a refund but don't return the item quickly enough?

Backstory: In January of this year, I ordered an article from a webshop in the Netherlands (EU) which has an IP67 certification and for which usage under water is promoted. This product has been ...
3
votes
2answers
176 views

When is an old check form invalid?

Can the bank refuse my check just because the check form is printed about 5 years ago and the bank now has newer checks? The bank manager said that he will accept the check this time but next time I ...
7
votes
3answers
641 views

€1000 left over at the month, is this a good plan?

I recently had a change in financial situation as well as lifestyle and I redid my budget, I now stand to have €1000 - €1200 left over at the end of every month and I'd like some advice. I'm a twenty ...
1
vote
1answer
178 views

Tax on a freelance journalist salary sent to a friend's account?

I am a freelance journalist and I am working for this news agency in the Netherlands. I write for them irregularly, a couple of papers each month, and thus my annual salary thereby is about 3000 Euros....
2
votes
1answer
571 views

Can I afford to rent a flat in the Netherlands?

My situation I live in the Netherlands and have a contract for the next 2 years with a gross per year of 25800. After taxation I receive 1550 net per month plus some bonuses (8% of annual salary) ...
0
votes
2answers
471 views

Contacted by a debt collection agency in Netherlands but I have practically never been there

I live in Italy, and over the past few weeks I have been finding missed calls by a phone number from the Netherlands; since I have a relative that works there my first thought was that the number ...
1
vote
1answer
58 views

What do I need as documentation in order to pay taxes in the Netherlands?

I am starting a web-shop for the first time ever. I don't really have that much knowledge for this type of stuff because I have never studied anything business related so I have a few problems. I need ...
-1
votes
2answers
403 views

Is this a good way to invest 100K (buy to rent)?

I would like your input on how to best invest 100K€. This is all the money I have and I don't feel comfortable having this much money in my bank account. Now I am living in a student city where rent ...
2
votes
2answers
7k views

How is net income in Netherlands calculated?

I've recently got a job in Amsterdam in one of the Dutch-based companies. The offer that I've received has the following components: Gross: 45600 EUR (3800/month) Holiday Bonus: 3648 EUR Pension/...
2
votes
1answer
133 views

US citizen nonresident income tax

I'm a United States citizen and I have an opportunity to work abroad. I was told by a friend that up to $103K of income earned abroad is not taxed by the IRS. First of all, is this true? Also, will ...
4
votes
2answers
352 views

I have asked for proof of debt and been told they “don't need to prove it”

I lived in the Netherlands for about 6 months in 2015 and was a customer of Ziggo (internet provider). When I cancelled my account (November 2015) they told me (on the phone, not recorded) that there ...
1
vote
1answer
82 views

How do I calculate the long term Brokerage service cost for my dollar cost averaged investments?

I'm currently in the middle of comparing brokerage firms cost-wise. One brokerage firm charges its service fee based on an annual rate that is charged monthly. Since I want to employ dollar cost ...
17
votes
9answers
4k views

Is it worth buying real estate just to safely invest money?

I have heard several times that a mortgage is not necessarily a good investment from an investment return point of view, but is it a good investment considering the low risk factor? Let's assume I ...
2
votes
1answer
98 views

Strategy for purchasing first property abroad

My partner and I have lived in the north of the UK for 1.5 years and are thinking of purchasing a property there. We would like to spend around £180k on the property. We have about £30k savings in the ...
5
votes
1answer
250 views

Have a Dutch “banksparen” mortgage, want to get a new mortgage for a new house

One type of mortgage in the Netherlands is a "banksparen" ("bank savings", the word isn't very descriptive) mortgage. It is designed to make maximum use of tax laws: instead of paying down the ...
2
votes
1answer
966 views

Penalty on fixed rate mortgage in Netherlands

Is there any way to get out of a mortgage with >6% rate of interest which was fixed for 10 years (I am in my 5th year)? The only option that my mortgage provider bank provides, consists of a >30K euro ...
1
vote
0answers
86 views

What is the required taxation if a website is programmed in the Netherlands and the customer resided within the USA?

My firm is based in the Netherlands. I have a customer in the USA who wants a website. The development will take place in the Netherlands. If the client would be Dutch, I'd charge them 21% VAT and ...
1
vote
1answer
655 views

Borrowing from your parents on a mortgage, with money they borrow from a bank

Disclaimer: we know this is financially stupid, but this is my wife's health we are talking about. Yes we know we didn't make the most financially smart decisions Situation: We bought a house in ...
4
votes
2answers
3k views

Are there any tax-beneficial accounts in the Netherlands, like the UK's ISA or US's Roth or 401K?

I am a 31-year-old non-Dutch British citizen, living and working permanently in the Netherlands, looking for a better way to save my money for the long term (primarily retirement). I am searching for ...
2
votes
3answers
5k views

How is monthly wage tax calculated in The Netherlands?

AFAIK, in most European countries, the wage tax is calculated based on the total annual earning but is deducted by the employer from the gross salary and paid to the tax authorities in advance, on a ...
12
votes
6answers
6k views

Advantages of paying more of your mortgage while you know you won't continue to live there your whole life

Recently I bought a house for 140k in the Netherlands. It had a mortgage of 110k (3,0% interest) and a startersloan of 30k (4,0% interest, no payments/interest the first 3 years). I am getting ...
0
votes
1answer
96 views

Weird charge in insurance plan [Netherlands]

I've been living in the Netherlands as a student, since August, and the health insurance I had up to about a month ago was the European Health Insurance Card. However, at the end of December, I had to ...
6
votes
5answers
2k views

Can I make my savings keep in check with or beat inflation over a long time period via index funds?

Context: €13000 banked on a 1% savings account. €1700 banked on a payment account. €1450 monthly income (after taxes). ~€400 monthly costs, and probably another €200-400 in incidental expenditures (...
3
votes
2answers
1k views

Will I get taxed on withdrawals from Real Cash Economy games?

I'm a Dutch (from the Netherlands) player of a game called Entropia Universe. Entropia Universe is a game owned by MindArk. MindArk is a company located in Sweden. Entropia Universe is a game that ...
1
vote
1answer
144 views

How to choose basic health insurance in the Netherlands?

I'm a student and I'm about to start working in the Hague in a few months, and I am obliged to obtain a Dutch health insurance plan. Is there any cheap basic choice? I found out that most insurance ...