Questions tagged [netherlands]

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

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Where do I pay taxes on stocks which I sell from options that are granted to me? (Netherlands, Belgium)

I am an expat and I travel and move to different countries quite frequently. I am working for a company that plans to IPO at some point soon. Currently, I am in Belgium, however, I will move to the ...
Alexander Sinno's user avatar
3 votes
2 answers
541 views

How would the "direct bank transfer"-scam play out in The Netherlands?

I was selling a low value item (a tv stand) on a local Craig's List equivalent, and received a couple of scam attempts. One of such asked for me to reserve the item and said they would do "a ...
SQB's user avatar
  • 895
18 votes
5 answers
8k views

I have to pay back my student loan. When is the best time to do it?

Today, I received the news that my "Payback phase" for my student loan has begun. I was afraid this day would come soon, but it came quicker than I anticipated. However, I got the news that ...
SpoiledMustard's user avatar
1 vote
1 answer
253 views

Alimony on gross salary

How does someone pay alimony on their gross salary if they are employed by someone else? Suppose the partners agree on giving half of the gross monthly salary as alimony. If said person has X gross ...
MOON's user avatar
  • 111
2 votes
4 answers
301 views

Is it wise to pay off some of my mortgage early in this case?

I live in the Netherlands. I bought a house a couple of years ago, So far I paid around 30% back, from which 70% are extra payment, as my bank allows me to pay some amount extra yearly fee-free. I can ...
user2226785's user avatar
4 votes
1 answer
283 views

Any tax disadvantage from paying out mortgage earlier in The Netherlands?

I am an expat in NL, and not from an EU country (not sure if that is important though). I got a mortgage to buy a house, and now I can pay some money extra. I understand that the interest I pay is tax ...
fkwpbrs's user avatar
  • 41
1 vote
4 answers
564 views

What is the easiest way to avoid using banks while still being able to store money safely?

I have had a bank account since I can remember, which I mainly used for saving money & having a physical card to spend money with. For a long time, this his seemed a logical thing to do as I would ...
user avatar
6 votes
1 answer
131 views

Are one-person company savings taxable in the Netherlands?

In the Netherlands, personal wealth such as bank and savings accounts over a certain amount is subject to taxes (box 3). If an entrepreneur (eenmanzaak, with or without officialy qualifying as ...
istepaniuk's user avatar
0 votes
1 answer
102 views

In what order are taxes stacked for an LLC

This isn't about some exact country, it's more about the general idea (which, I believe, is very similar in most of the world). But if you need some context, let's say that we're talking about a ...
Misty's user avatar
  • 3
1 vote
1 answer
163 views

The Netherlands check us-dollar

My son (Dutch nationality) studied at MIT in LA (1994-1997) when he was robbed and molested in his apartment. The criminal has been sentenced to 2 life sentences (because of murder cases as well) and ...
Astrid Franse's user avatar
0 votes
1 answer
271 views

What are potential downsides of asking back half of my rental deposit from the landlord?

I rented an apartment about 2.5 years ago. During this time, I was still a student and the landlord considered my income situation to not be entirely stable, so he asked me for twice the original ...
Charlie Shuffler's user avatar
3 votes
1 answer
368 views

If I want to invest as a 19 year old, how should I go about it? [duplicate]

I'm a 19 year old student and I have a part-time job as a programmer. I make 20 euros an hour and I work about 10-15 hours a week, depending on school responsibilities. I earn 800 euros a month, ...
Stef van Stipdonk's user avatar
6 votes
2 answers
962 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 ...
li x's user avatar
  • 140
5 votes
2 answers
15k 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 ...
bp2010's user avatar
  • 452
6 votes
4 answers
682 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 ...
MSB's user avatar
  • 113
4 votes
3 answers
226 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 ...
Bams's user avatar
  • 41
3 votes
1 answer
232 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&...
Joel Blum's user avatar
  • 169
5 votes
1 answer
586 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.
Coo's user avatar
  • 157
1 vote
0 answers
65 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 ...
user662852's user avatar
  • 8,379
0 votes
1 answer
148 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? ...
user avatar
13 votes
6 answers
1k 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 ...
Intentionally Anonymous's user avatar
4 votes
3 answers
628 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 ...
Belle's user avatar
  • 245
2 votes
2 answers
433 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 ...
Jeroen Smink's user avatar
6 votes
3 answers
565 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 ...
Belle's user avatar
  • 245
5 votes
2 answers
524 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?
DeepDeadpool's user avatar
26 votes
16 answers
11k 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 ...
user1880405's user avatar
2 votes
1 answer
194 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 ...
Mitchell Faas's user avatar
3 votes
2 answers
252 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 ...
A..Lowe's user avatar
  • 31
8 votes
3 answers
839 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 ...
SansSkill's user avatar
1 vote
1 answer
190 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....
user63110's user avatar
2 votes
1 answer
2k 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) ...
pilu's user avatar
  • 123
0 votes
2 answers
644 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 ...
F.Big's user avatar
  • 11
1 vote
1 answer
86 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 ...
D PRayer's user avatar
-1 votes
2 answers
467 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 ...
user1880405's user avatar
2 votes
2 answers
8k 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/...
Yash Kapila's user avatar
2 votes
1 answer
162 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 ...
Exocomp's user avatar
  • 209
4 votes
2 answers
442 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 ...
Fogmeister's user avatar
1 vote
1 answer
100 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 ...
Martijn's user avatar
  • 143
16 votes
9 answers
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 ...
user1880405's user avatar
3 votes
1 answer
124 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 ...
efgh's user avatar
  • 171
6 votes
1 answer
302 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 ...
RemcoGerlich's user avatar
2 votes
1 answer
1k 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 ...
NL_guy's user avatar
  • 21
1 vote
0 answers
92 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 ...
Luuk Barten's user avatar
1 vote
1 answer
742 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 ...
Kevin's user avatar
  • 233
6 votes
2 answers
13k 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 ...
Lemon's user avatar
  • 61
2 votes
3 answers
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 ...
texnic's user avatar
  • 193
12 votes
6 answers
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 ...
Kevin's user avatar
  • 233
0 votes
1 answer
153 views

Weird charge in insurance plan

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 ...
Cobe's user avatar
  • 3
7 votes
5 answers
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 (...
Pimgd's user avatar
  • 211
3 votes
2 answers
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 ...
Pimgd's user avatar
  • 211