Model NL-LTR-2026.19, recomputed nightly, checked 13 Nov 2026. Headline: let as is, box 3 (2026), without a mortgage, 3.3%/yr value growth (assumption). Withheld homes are counted, not shown. Not advice.
- Assumption: the yearly appreciation is the average of two one-year bank forecasts for 2027 (ABN AMRO 2.5%, October 2026; Rabobank 4.1%, March 2026), applied to all ten years: neither bank forecasts beyond 2027. In September 2026 Rabobank expected 3.2% for 2027 not verifiedSource: ABN AMRO, Woningmarktmonitor "Beter in 2026, grotere afkoeling in 2027", 1-10-2026 (abnamro.com): 2027 +2,5%; RaboResearch, Kwartaalbericht Woningmarkt "Huizenprijzen stijgen dit jaar beperkt", 12-3-2026 (rabobank.nl): 2027 +4,1%; het gemiddelde (3,3%) als eigen aanname voor alle tien jaar · checked 5 Nov 2026
Zuidernesse 7
Free beta · pilot3273 BA Westmaas
For saleFree sectorBest scenario: Let as isIndicative
187 points or more: the market rent applies.
Asking price
€469,500buyer pays costs (k.k.)
An asking price, not a sale price.
Expected purchase price
€489,688+4.3% on the asking price: the national average for a terraced house (NVM figures for Q3 2026, via a secondary source; not yet checked against NVM itself). The forecast buys at this price.
- Living area
- 125 m²
- Asking price per m²
- €3,756
- Energy label
- C
- Built
- 1973
- Rooms / bedrooms
- 5 / 4
- Bathrooms
- 1
- Plot
- 224 m²
- Type
- House · terraced house
Rent used, per month
€1,424
6 comparable rentals 3.9 to 7.8 km away (weighted average 6.5 km)Low confidence: few comparable rentals nearby
IRR over 10 years
2.6%
incl. 3.3% a year appreciation (assumption) · without a mortgage · Box 3 (2026)
IRR without appreciation
−0.3%
10 years, 0% appreciation, without a mortgage: the stored cell of the sensitivity grid.
Cash flow year 1, after tax
€2,929
0.6% of the total investment of €531,613: expected purchase price €489,688 + transfer tax (8%) and other purchase costs €41,925. No mortgage.
Net rental yield year 1, before tax
2.1%
Gross rental yield: 3.6% · Rent × 12 ÷ asking price.
Let as is, without a mortgage, box 3 (2026). After maintenance and running costs.
Indicative: the comparable rentals lie far away (weighted average 6.5 km). In our test on let homes such rents were off by a median 13.8%, against 10.0% for comparables within 2 km, and ran 6.5% high on average against 3.2%.
Cautious rent scenario
The same forecast as above at a cautious rent: the median rent of the comparable rentals × 0.88. In our test on let homes, one in four let below that rent. It shows what the rent assumption puts at stake.
Less cautious than it looks: this home’s comparable rentals lie far away, and in our test 3 to 4 in 10 such homes let below the cautious rent.
Cautious rent, per month
€1,253
Cash flow year 1, after tax
€1,058
0.2% of the same total investment of €531,613
IRR over 10 years
2.3%
incl. 3.3% a year appreciation (assumption) · without a mortgage · Box 3 (2026)
Cash flow year 1 against the forecast
−€1,871
a year, against €2,929 at €1,424 rent a month
Already deducted in year 1: maintenance and running costs
Maintenance €3,500 in year 1 (a yearly amount; it rises with costs, see the year-by-year table)
Major maintenance planned within ten years
- Year 7: exterior paint€6,958
Other running costs, year 1
- Management
- €820
- Insurance
- €400
- Property tax (OZB)
- €354
- Sewerage charge
- €144
- Water board levy
- €158
- Running costs year 1, total (incl. maintenance and major maintenance)
- €5,377
- Vacancy (year 1)
- €684
- Tax (year 1)
- €8,099
Assumed for this home: Property tax (OZB), owner, Hoeksche Waard: 0.0816% of the WOZ; Sewerage charge, owner, Hoeksche Waard: €144 a year; Water board levy, owner, Hoeksche Waard: 0.0364% of the WOZ
From the stored ten-year forecast (let as is, box 3 2026). Costs are assumptions, not quotes.
Location and plot
Aerial photo with the cadastral plot boundaries. Choose “Rent comparison” to see where the 6 comparable rentals from the table lie.
Loading the map…
Rent-control points (WWS)
Points model WWS-2026.1Points band
211–268 points
Social ≤ 143 · mid-rent 144–186 · free sector ≥ 187
187 points or more: the market rent applies.
Legal maximum rent
No legal maximum: the whole band is in the free sector, so the market rent applies.
WOZ value
€399,075 – €469,500
Estimated from the asking price: the actual WOZ assessment is not known yet, and it can move the points.
Check it yourself with the Huurcommissie’s Huurprijscheck| Rubric | Min | Max | How it was counted (model note) |
|---|---|---|---|
| WOZ value | 33.25 | 42 | WOZ estimate band, §2.11.2 |
| Kitchen | 4 | 14 | assumption: kitchen unknown, 1 m … 2 m+ with extras up to the base |
| Parking | 0 | 0 | no shared parking stated (a private garage counts as overige ruimte, a private spot outside as buitenruimte) |
| Bathroom fittings | 8 | 12 | fixtures known, extras unknown (up to the shower/bath points, §2.6.2) |
| Outdoor space | 15 | 15 | listing: private outdoor m², §2.8.1 |
| Energy performance | 22 | 22 | energy label (NTA 8800 or NEN 7120), r.4.1 (§2.4.4) |
| Heating and cooling | 12 | 18 | rooms from the listing; a heated kitchen (0–2) and heated overige ruimten and verkeersruimten unknown (0–4), r.3 (§2.3) |
| Room floor area | 100 | 115 | assumption: vertrekken = 80–92% of the living area (verkeersruimte counts for nothing, §2.2) |
| Other indoor space | 16.5 | 30 | listing: overige inpandige ruimte + externe berging + garage, m² unknown: 0–18 m² (assumption), §2.2.2 |
| Total | 211 | 268 |
Not counted by the model (11)
Model notes, as stored.
- section 7 (home adaptations for people with a disability: 1 point per €332 of net investment)
- section 9 (shared rooms, other spaces and facilities)
- rubriek 12 (bijzondere voorzieningen): zorgwoningen +35%, the aanbelfunctie with video and audio (0,25) and a laadpaal at a private spot (2); a laadpaal at a shared spot is counted with the parking
- the zolder rule (−5 on an attic without a fixed stair) and the minimum sizes of vertrekken (4 m²) and overige ruimten (2 m²): a floor plan is never available
- the rijksmonument +50 points rule for contracts signed before 1 July 2024 (the model forecasts new contracts: +35%)
- the validity of a label: an expired label scores by the construction year, but a listing rarely states the registration date, so every stated label counts
- the energieprestatievergoeding (32 points eengezins, 28 meergezins, in place of the label when an EPV is agreed)
- the conditions on cooling (a valid NTA 8800 label that includes it) and the up to 2 points for a home whose overheating risk is "laag": cooling counts per stated room
- WOZ-beschikkingen with waardepeildatum 1 January 2024 (€ 15.329, € 242/m², € 103/m²): the WOZ here is a 1-1-2025 estimate
- contracts starting in 2026: the 2026 text scores the construction years 1979–1983 at −5 and uses the minimum WOZ only when no WOZ value exists; this module follows the 2027 text there (Stb. 2026, 267)
- the rest of the WWS from 1 January 2027 (Stb. 2026, 267): no −5 without outdoor space, the WOZ-prijsopslag of art. 8b for a home the cap holds at 186, the WOZ divisor € 233/m² for a rijksmonument up to 40 m², and a bath plus a separate shower as 10 points (the unknown-sanitary maximum assumes a bath/douche at 7); and the 2027 maximum-rent table (Stcrt. 2026, 35093, +2,87%)
Rent
Market rent from the asking rents of comparable rentals, per month
Low (p25)
€1,414
€11.31 per m² a month
Median
€1,424
€11.39 per m² a month
High (p75)
€1,441
€11.53 per m² a month
Rent used in the forecast
€1,424
Basis: 6 comparable rentals 3.9 to 7.8 km away (weighted average 6.5 km)Low confidence: few comparable rentals nearby
Legal maximum rent
–
No legal maximum: the whole band is in the free sector, so the market rent applies.
Thin basis: this rent rests on 6 comparable rentals (fewer than 8). With so few comparisons the rent is less certain; check it against recent lettings nearby.
Indicative: the comparable rentals lie far away (weighted average 6.5 km). In our test on let homes such rents were off by a median 13.8%, against 10.0% for comparables within 2 km, and ran 6.5% high on average against 3.2%.
6 comparable rentals 3.9 to 7.8 km away (weighted average 6.5 km)
1 of these 6 has one bedroom more or fewer than this home. The rents are adjusted to this home’s location, measured by what homes for sale within 1 km ask for their type and size (at most 15% per rental); 5 without a location index of their own are not adjusted.
Every rent in this table is an asking rent from a rental advert, not a contract rent.
Corrected per m² is the asking rent without furnishing and included service costs, carried to this home’s energy label, size and location (and, where the model has them, its dwelling type and building period): the market rent above rests on that rent per m², not on the asking rent per m² beside it. The factors under each rental are rounded to three decimals, so a sum checked by hand can differ by a few cents.
Market rent (median): the middle corrected rent per m² (weighted median) €11.39 × 125 m² = €1,424 a month.
| Address | Distance | Living m² | Plot m² | Rooms | Bedr. | Label | Built | Asking rent | Asking rent per m² | Corrected per m² | Seen | Let or offline since |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| This hometerraced house | 125 | 224 | 5 | 4 | C | 1973 | ||||||
| Componistenpad 33261 JH · corner house | 3.9 km | 167 | — | — | 3 | – | 2001 | €1,560 | €9.34 | €9.46 | 11 Nov 2026 | 22 Jun 2026 |
Bare rent at this home’s energy label €1,560 (€9.34 per m²), from €1,560 asking rent: excl. service costs. Carried to this home: size ×1.091 · location ×0.928 = €9.46 per m². | ||||||||||||
| Sneekermeer 32993 RL · terraced house | 6.88 km | 109 | — | — | 4 | A | 1999 | €1,325 | €12.16 | €11.31 | 31 Oct 2026 | 8 Oct 2026 |
Bare rent at this home’s energy label €1,285 (€11.79 per m²), from €1,325 asking rent: excl. service costs, offered unfurnished, energy label A converted to C ×0.97. Carried to this home: size ×0.96 · no location index, not adjusted for location = €11.31 per m². | ||||||||||||
| Markermeer 32993 PJ · terraced house | 6.99 km | 111 | — | — | 4 | A | 1999 | €1,350 | €12.16 | €11.39 | 31 Oct 2026 | 8 Oct 2026 |
Bare rent at this home’s energy label €1,310 (€11.80 per m²), from €1,350 asking rent: excl. service costs, offered unfurnished, energy label A converted to C ×0.97. Carried to this home: size ×0.965 · no location index, not adjusted for location = €11.39 per m². | ||||||||||||
| Ketelmeer 292993 PC · terraced house | 7.21 km | 109 | — | — | 4 | A | 2001 | €1,350 | €12.39 | €11.53 | 31 Oct 2026 | 8 Oct 2026 |
Bare rent at this home’s energy label €1,310 (€12.02 per m²), from €1,350 asking rent: excl. service costs, offered unfurnished, energy label A converted to C ×0.97. Carried to this home: size ×0.96 · no location index, not adjusted for location = €11.53 per m². | ||||||||||||
| Ketelmeer 302993 PC · terraced house | 7.24 km | 109 | — | — | 4 | A | 2001 | €1,350 | €12.39 | €11.53 | 31 Oct 2026 | 8 Oct 2026 |
Bare rent at this home’s energy label €1,310 (€12.02 per m²), from €1,350 asking rent: excl. service costs, offered unfurnished, energy label A converted to C ×0.97. Carried to this home: size ×0.96 · no location index, not adjusted for location = €11.53 per m². | ||||||||||||
| Rozenhout 72994 HN · corner house | 7.8 km | 142 | — | — | 4 | A | — | €2,850 | €20.07 | €17.19 | 11 Nov 2026 | 24 Jun 2026 |
Bare rent at this home’s energy label €2,350 (€16.55 per m²), from €2,850 asking rent: excl. service costs, furnished ×0.85, energy label A converted to C ×0.97. Carried to this home: size ×1.039 · no location index, not adjusted for location = €17.19 per m². | ||||||||||||
Let or offline: the advert was marked let or disappeared. That does not prove the rent the home was let for.
Condition per element
Fixer-upper score: 6/100- KitchenNewfrom 2023
advert text:
De royale woonkamer met houtkachel loopt over in de moderne keuken uit 2023, met openslaande deuren naar de achtertuin.
- BathroomNewfrom 2022
advert text:
- Badkamer circa 2022 vernieuwd, met ligbad, inloopdouche en vloerverwarming
- ToiletUnknown
- FloorsNew
photos:
Herringbone laminate flooring throughout living areas, light wood tone.
- Interior paintNew
photos:
Freshly painted walls in light neutral tones and accent green.
- Exterior paintGood
photos:
Exterior paint on frames and doors appears well-maintained.
- Frames and glazingGood
photos:
White frames, likely double glazing, in good condition.
- RoofGood
photos:
Dark roof tiles appear in good condition from the exterior photo.
- BoilerNewfrom 2023
advert features:
Intergas (gas gestookt combiketel uit 2023, eigendom)
- InsulationFair
advert features:
Dakisolatie, grotendeels dubbelglas en HR-glas
Renovation scenarios
Assumption, not a quoteLet as is
★ Best scenario- Cost (min – mid – max)
- No works: the home is let as offered.
- Duration
- 0 weeks
- Energy label after
- C
- Points after
- 211–268Free sector
- Rent after
- €1,424Comparable rents within 8 km
- Value after
- €489,688 – €489,688 – €489,688asking price — in purchase-price terms: × 1.043 (expected purchase price ÷ asking price)
- IRR over 10 years
- 2.6%incl. 3.3% a year appreciation (assumption) · without a mortgage · Box 3 (2026)
Notes
- as offered
Refresh
- Cost (min – mid – max)
- €0 – €1,650 – €3,300incl. 10% contingency
- Duration
- 6 weeks
- Energy label after
- C
- Points after
- 211–268Free sector
- Rent after
- €1,424p50 of the comparables (ring 3, within 8 km, 6 comparables) × 125 m²: no new kitchen and bathroom, so no p75
- Value after
- €489,688 – €489,688 – €489,688asking price + 0% of the cost (model setting ‘Value gain from a refresh’: no measured basis for a partial refresh) — in purchase-price terms: × 1.043 (expected purchase price ÷ asking price)
- IRR over 10 years
- 2.6%incl. 3.3% a year appreciation (assumption) · without a mortgage · Box 3 (2026)
Cost items (1)
- Toilet · unknown€0 – €3,000
new toilet (model setting ‘Renovation: new toilet’); state unknown: 0 … full
Notes
- toilet: state unknown, priced as a band
Full renovation
- Cost (min – mid – max)
- €15,400 – €17,050 – €18,700incl. 10% contingency
- Duration
- 14 weeks
- Energy label after
- A
- Points after
- 230–287Free sector
- Rent after
- €1,466p50 of the comparables (ring 3, within 8 km, 6 comparables) × 125 m² × 1.03 (label class 2 → 1): no new kitchen and bathroom, so no p75 (a label jump counts through the label class alone: the comparables are corrected for label already)
- Value after
- €489,688 – €489,688 – €489,688asking price × the measured premium of modernisation: 20 modernised or young terraced houses ask +6% (p25–p75: +2% to +12%) against 42 not modernised of the same type, size (±35% m²), generation (build year ±30 years) and location in the municipality; asking prices, not transactions; no premium: the home already counts as modernised (as the comparison homes do: recently renovated, two or more parts new, or young) — in purchase-price terms: × 1.043 (expected purchase price ÷ asking price)
- IRR over 10 years
- 2.5%incl. 3.3% a year appreciation (assumption) · without a mortgage · Box 3 (2026)
Cost items (4)
- Toilet · unknown€0 – €3,000
new toilet (model setting ‘Renovation: new toilet’); state unknown: 0 … full
- Cavity wall insulation · missing€4,000
model setting ‘Cavity wall insulation’
- Floor insulation · missing€3,000
model setting ‘Floor insulation’
- Hybrid heat pump · missing€7,000
model setting ‘Hybrid heat pump’
Notes
- toilet: state unknown, priced as a band
Ten-year forecast
Scenario
Tax regime
IRR over 10 years
2.6%
incl. 3.3% a year appreciation (assumption) · without a mortgage · Box 3 (2026)
IRR over 5 years
1.8%
incl. 3.3% a year appreciation (assumption) · without a mortgage · Box 3 (2026)
Return on equity, year 1
3.6%
incl. 3.3% a year appreciation (assumption) · without a mortgage · Box 3 (2026)
Break-even appreciation
0.3%
The yearly appreciation at which the IRR is 0.
Total return over 5 years
€48,718
incl. 3.3% a year appreciation (assumption) · without a mortgage · Box 3 (2026)
Total return over 10 years
€154,875
incl. 3.3% a year appreciation (assumption) · without a mortgage · Box 3 (2026)
Cash flow year 1, after tax
€2,929
Payback
–
Cumulative cash flow and value
Year by year
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Rent per month | €1,424 | €1,467 | €1,511 | €1,556 | €1,603 | €1,651 | €1,700 | €1,751 | €1,804 | €1,858 |
| Rent for the year | €17,088 | €17,601 | €18,129 | €18,673 | €19,233 | €19,810 | €20,404 | €21,016 | €21,647 | €22,296 |
| Vacancy | €684 | €704 | €725 | €2,303 | €769 | €792 | €816 | €2,592 | €866 | €892 |
| Running costs | €5,377 | €5,519 | €5,666 | €7,295 | €5,971 | €6,129 | €13,250 | €8,123 | €6,631 | €6,807 |
| of which maintenance | €3,500 | €3,587 | €3,677 | €3,769 | €3,863 | €3,960 | €4,059 | €4,160 | €4,264 | €4,371 |
| of which major maintenance | €6,9587 | |||||||||
| Net operating income | €11,028 | €11,377 | €11,738 | €9,075 | €12,493 | €12,888 | €6,338 | €10,301 | €14,150 | €14,597 |
| Interest | €0 | €0 | €0 | €0 | €0 | €0 | €0 | €0 | €0 | €0 |
| Tax | €8,099 | €8,408 | €8,728 | €9,058 | €9,399 | €9,752 | €10,116 | €10,492 | €10,881 | €11,282 |
| Cash flow | €2,929 | €2,969 | €3,010 | €17 | €3,093 | €3,136 | −€3,778 | −€191 | €3,269 | €3,315 |
| Cumulative cash flow | €2,929 | €5,898 | €8,908 | €8,925 | €12,018 | €15,154 | €11,376 | €11,185 | €14,454 | €17,769 |
| Value at year end | €505,848 | €522,541 | €539,785 | €557,597 | €575,998 | €595,006 | €614,641 | €634,924 | €655,877 | €677,521 |
of which major maintenance: 7 exterior paint €6,958
The value at year end grows with 3.3% appreciation a year (assumption).
Sale at the end
| after 5 years | after 10 years | |
|---|---|---|
| Sale price | €575,998 | €677,521 |
| Selling costs | €7,685 | €8,802 |
| Mortgage repaid | €0 | €0 |
| Tax on the sale | €0 | €0 |
| Net proceeds | €568,313 | €668,719 |
The sale price grows with 3.3% appreciation a year (assumption).
box 3: no tax on the gain at the sale
Sensitivity
The model’s stored pessimistic, base and optimistic variants.
| Variant | IRR over 5 years | IRR over 10 years | Cash flow year 1, after tax | Total return over 10 years |
|---|---|---|---|---|
| Pessimistic0% appreciation, 8% vacancy, 2% rent growth | −1.5% | −0.6% | €2,280 | −€29,641 |
| Base3.3% appreciation, 4% vacancy, 3% rent growth | 1.8% | 2.6% | €2,929 | €154,875 |
| Optimistic4.5% appreciation, 2% vacancy, 4% rent growth | 3.0% | 3.9% | €3,254 | €242,357 |
The “IRR without appreciation” (at the top, and the 0% column of the grid below) assumes 0% appreciation with the base assumptions otherwise: 4% vacancy and 3% rent growth. The pessimistic variant assumes 0% appreciation, but also 8% vacancy and 2% rent growth, so it lands elsewhere.
IRR over 10 years by mortgage and appreciation
Box 3 (2026) · Let as is
| Mortgage \ Appreciation a year | −2% | −1% | 0% | +1% | +2% | +3% | +4% | +5% |
|---|---|---|---|---|---|---|---|---|
| 0% without a mortgage | −2.0% | −1.2% | −0.3% | 0.6% | 1.5% | 2.4% | 3.3% | 4.2% |
| 30% of the price | −4.5% | −3.1% | −1.8% | −0.5% | 0.7% | 1.9% | 3.1% | 4.3% |
| 50% of the price | −7.8% | −5.6% | −3.6% | −1.7% | 0.0% | 1.6% | 3.1% | 4.6% |
The assumption (3.3% a year) sits between the 3% and 4% columns; without a mortgage it gives the IRR of 2.6% shown above. The 0% column is the IRR without any appreciation.
Short-term rental
No basis for short-term rental: no comparable Airbnb figures are stored for this home, so no short-term rental figure is shown (and never a municipal average).
Municipal rules
Hoeksche WaardFor this home
No buy-to-let protection found in Hoeksche Waard.
province of Zuid-Holland · water board Hollandse Delta · tax year 2026
Notes on the register and quotes from it are shown as written, in Dutch.
These rules are not verified against the official source yet: treat them as a pointer and check them with the municipality before you buy.
Two rules are not read yet and so withhold forecasts: the ground lease (erfpacht) conditions on letting and the occupation duty on new build sold by project. Homes they may apply to are not shown here.
Owner’s charges
- Property tax (OZB), owner
- 0.08158% of the WOZ valueSource: Verordening onroerende-zaakbelastingen 2026 (Hoeksche Waard), CVDR752878/1, art. 5 lid 1 b 1 (lokaleregelgeving.overheid.nl)checked 12 Nov 2026"1. voor onroerende zaken die in hoofdzaak tot woning dienen: 0,08158%"; de eigenarenbelasting, geldend vanaf 24-12-2025 (Gemeenteblad 2025, 564745), heffing vanaf 1 januari 2026 (art. 8 lid 3); onder een heffingsmaatstaf van € 12.000 geen belasting
- Sewerage charge, owner
- €144.25 a yearSource: Verordening rioolheffing 2026 (Hoeksche Waard), CVDR752875/1, art. 5 lid 1 en 6 lid 1 (lokaleregelgeving.overheid.nl)checked 12 Nov 2026"1. Het eigenarendeel van woningen bedraagt per perceel per jaar € 144,25"; "geheven naar een vast bedrag per perceel" (art. 5 lid 1), geldend vanaf 24-12-2025; het gebruikersdeel (€ 72,13 voor één persoon, € 144,25 voor meer) betaalt de gebruiker
- Water board levy (watersysteemheffing) · Hollandse Delta
- 0.0364% of the WOZ valueSource: Verordening op de watersysteemheffing waterschap Hollandse Delta 2026, CVDR749186/1, art. 10 lid 1 (lokaleregelgeving.overheid.nl)checked 3 Nov 2026"bedraagt het tarief van de heffing voor onroerende zaken die in hoofdzaak tot woning dienen 0,0364 % van de heffingsmaatstaf"; woningen 2026, Waterschapsblad 2025, 30083, geldend vanaf 10-12-2025, heffing vanaf 1 januari 2026 (art. 15 lid 3); buitendijks 0,0091%; bij erfpacht betaalt de erfpachter (art. 2 lid 4 a). De wegenheffing van het waterschap (0,0079% van de WOZ in 2026, Waterschapsblad 2025, 30085, alleen in het deel van het gebied waar het waterschap wegen beheert) is niet gemodelleerd
Buy-to-let protection (opkoopbescherming)
Not in force according to the sources found.
de Huisvestingsverordening gemeente Hoeksche Waard 2026-2030 (in werking vanaf 1 januari 2026, "Deze verordening vervalt op 31 december 2029.", art. 24 lid 3; geldend t/m 30-12-2029) heeft alleen hoofdstukken over de huisvestingsvergunning, urgentie, overige en slotbepalingen, en geen hoofdstuk over artikel 41 van de Huisvestingswet: zij is vastgesteld "gelet op artikel 147 en 149 van de Gemeentewet, artikel 4, onder a, van de Huisvestingswet 2014;" en het woord opkoop staat er niet in, net zo min als in de verordeningen 2021-2025 en 2025 (beide lezers in hun geheel gelezen, 2026-11-12); de Legesverordening 2026 kent geen leges voor een opkoopvergunning en geen regionale verordening regelt het. Los van de opkoopbescherming: nieuwbouw, mogelijk zelfbewoningsplicht, niet geverifieerd (Programma Volkshuisvesting (Hoeksche Waard), CVDR755719/1, § 4.3; Nota Grondbeleid 2024, CVDR726385/1; Besluit kwaliteit leefomgeving art. 5.161c lid 3 b, BWBR0041313): "Voor woningen in het betaalbare segment tot €405.000 geldt een zelfbewoningsplicht en een antispeculatiebeding." en "De overige betaalbare woningen vallen binnen het middenhuur- en betaalbare koopsegment (tot € 405.000, prijspeil 2025)." (Programma Volkshuisvesting, geldend vanaf 22-01-2026); "De instandhouding hiervan wordt opgenomen in de verkoopvoorwaarden." (Nota Grondbeleid 2024, over sociale koop). Een programma bindt de gemeente zelf; de plicht komt in de verkoop- of projectovereenkomsten, die in geen register staan, en een termijn en ingangsdatum noemt geen gelezen tekst. Daarom houdt het model een nieuwbouwwoning en een woning uit de laatste tien bouwjaren tot de grens met marge achter; tien jaar is een aanname, de langste termijn die het Besluit kwaliteit leefomgeving een sociale koopwoning geeft ("voor sociale koopwoningen: ten minste een jaar en ten hoogste tien jaar na ingebruikname" (Besluit kwaliteit leefomgeving art. 5.161c lid 3 b, BWBR0041313, geldend vanaf 01-10-2026)). Geen doelgroepenverordening, woonplicht of kettingbeding in het register of het Gemeenteblad (beide lezers)
Landlord permit (verhuurvergunning)
No landlord permit found. not verified
geen verhuurverordening (Wet goed verhuurderschap art. 5) in het register of het Gemeenteblad op 12-11-2026: de Wet goed verhuurderschap staat er alleen in besluiten die toezichthouders aanwijzen (CVDR767579/1); de Legesverordening 2026 kent geen leges voor een verhuurvergunning, alleen de Leegstandwet ("tot het verlenen van een vergunning tot tijdelijke verhuur van leegstaande woonruimte") en een splitsingsvergunning; gezocht en door de tweede lezer herhaald, maar alleen afwezigheid: geen officiële tekst zegt dat er geen is (wettencheck 2026-11-12)
Assumption: no landlord-permit ordinance (verhuurverordening, Good Landlordship Act) found in the rules of Hoeksche Waard (searched on 12 November 2026 by two readers; not confirmed); there are rules for letting rooms or splitting a home, not for letting a whole home to one household
Housing permit for the tenant (huisvestingsvergunning)
No housing permit for tenants found.
alleen voor huurwoningen van corporaties tot de lagehuurgrens: "1. Alle voor verhuur bestemde woonruimten van corporaties met een huurprijs tot de maximale lagehuurgrens als bedoeld in artikel 13, eerste lid, onder a, van de Wet op de huurtoeslag mogen alleen voor bewoning in gebruik worden genomen of gegeven als daarvoor een huisvestingsvergunning is verleend door het college van burgemeester en wethouders." (Huisvestingsverordening gemeente Hoeksche Waard 2026-2030, art. 2, t/m 30-12-2029); geen vergunning voor de huurder van een particuliere verhuurder, ook niet in de middenhuur, en geen vergunning voor nieuwbouwkoop
Ground lease (erfpacht)
Letting in the ground lease terms
Not established: what the ground lease terms of Hoeksche Waard say about letting has not been read. They may make letting subject to the municipality’s consent or restrict it. A home whose advert does not show it in full ownership therefore gets no rental forecast.
Not read (Dutch): de gemeente heeft oude, vaak altijddurende erfpacht onder woningen (van vroegere grondeigenaren als Ambachtsheerlijkheden) en verkoopt op verzoek de blote eigendom; algemene erfpachtvoorwaarden zijn niet gevonden en wat de akten over verhuur zeggen is niet gelezen
Source: Gemeenteblad 2022, 539377 (zoek.officielebekendmakingen.nl)checked 12 Nov 2026"In de Hoeksche Waard zijn van oudsher grondeigenaren (onder andere Ambachtsheerlijkheden) geweest die gronden in erfpacht hebben gegeven. Deze erfpachtovereenkomsten zijn vaak aangegaan voor een altijddurende termijn en een niet herzienbare canon." (Gemeenteblad 2022, 539377); de Nota Grondbeleid 2024 staat nieuwe erfpacht alleen bij uitzondering toe. Algemene voorwaarden staan niet in het register of het Gemeenteblad (beide lezers)
Sources and assumptions
For the forecast selected above: Let as is · Box 3 (2026)
Figures behind the forecast
OZB, sewerage and water board: the figures of Hoeksche Waard where known (not verified), otherwise the national assumption.
Each source is named as written, in Dutch.
| Figure | Value | Basis | Source | Checked |
|---|---|---|---|---|
| Sensitivity: mortgage shares | 0% · 30% · 50% | assumption | – | 31 Oct 2026 |
| Setting up the company (bv) | €1,500 | assumption | – | 31 Oct 2026 |
| Comparables left out below (percentile) | 10% | assumption | – | 31 Oct 2026 |
| Corporate tax, low rate | 19% | law | Belastingdienst, "Tarieven vennootschapsbelasting" (belastingdienst.nl), gelezen 2026-11-01: 19,0% t/m € 200.000, 25,8% daarboven | 1 Nov 2026 |
| Mortgage (loan-to-value) | 0% | assumption | – | 31 Oct 2026 |
| Comparable rentals: living area within (±) | 35% | assumption | – | 31 Oct 2026 |
| MAD trim: distance (× the MAD) | 3 | assumption | – | 31 Oct 2026 |
| Minimum comparable rentals | 5 | assumption | – | 31 Oct 2026 |
| Comparables left out above (percentile) | 90% | assumption | – | 31 Oct 2026 |
| WOZ estimate, low end (× the asking price) | 0.85 | assumption | – | 31 Oct 2026 |
| Box 3 tax rate | 36% | law | Belastingdienst, "Berekening box 3-inkomen 2026" (belastingdienst.nl), gelezen 2026-11-01: forfait beleggingen en andere bezittingen 6,00%, schulden 2,70%, tarief 36%, heffingsvrij vermogen € 59.357, schuldendrempel € 3.800 (de aangekondigde 7,78% / € 51.396 zijn teruggedraaid) — netherlands-roi-config.mjs BOX3.rate | 1 Nov 2026 |
| Box 2, low rate | 24.5% | law | Belastingdienst, "Inkomsten uit aanmerkelijk belang" (belastingdienst.nl), gelezen 2026-11-01: box 2 24,5% tot € 68.843, 31% daarboven (vervangt de bron Deloitte, Pakket Belastingplan 2026) | 1 Nov 2026 |
| Corporate tax, high rate | 25.8% | law | Belastingdienst, "Tarieven vennootschapsbelasting" (belastingdienst.nl), gelezen 2026-11-01: 19,0% t/m € 200.000, 25,8% daarboven | 1 Nov 2026 |
| Mortgage interest rate | 4.5% | assumption | – | 31 Oct 2026 |
| Mortgage type | interest-only | assumption | – | 31 Oct 2026 |
| WOZ estimate, high end (× the asking price) | 1 | assumption | – | 31 Oct 2026 |
| Box 2, high rate | 31% | law | Belastingdienst, "Inkomsten uit aanmerkelijk belang" (belastingdienst.nl), gelezen 2026-11-01: box 2 24,5% tot € 68.843, 31% daarboven (vervangt de bron Deloitte, Pakket Belastingplan 2026) | 1 Nov 2026 |
| Weight of a rental still on offer | 0.8 | assumption | – | 31 Oct 2026 |
| Comparable rentals, ring 2: district (km) | 2.5 | assumption | – | 31 Oct 2026 |
| Corporate tax bracket | €200,000 | law | Belastingdienst, "Tarieven vennootschapsbelasting" (belastingdienst.nl), gelezen 2026-11-01: 19,0% t/m € 200.000, 25,8% daarboven | 1 Nov 2026 |
| Comparable rentals, ring 1: neighbourhood (km) | 1 | assumption | – | 31 Oct 2026 |
| Value after the works: percentiles of the asking price per m² | 0.25 · 0.5 · 0.75 | assumption | – | 31 Oct 2026 |
| Company (bv) costs a year | €2,000 | assumption | – | 31 Oct 2026 |
| Box 2 only at the sale | yes | assumption | – | 31 Oct 2026 |
| Box 2 bracket | €68,843 | law | Belastingdienst, "Inkomsten uit aanmerkelijk belang" (belastingdienst.nl), gelezen 2026-11-01: box 2 24,5% tot € 68.843, 31% daarboven (vervangt de bron Deloitte, Pakket Belastingplan 2026) | 1 Nov 2026 |
| Weight of a rental that was let | 1 | assumption | – | 31 Oct 2026 |
| Tax partners | 1 | assumption | – | 31 Oct 2026 |
| Selling agent’s start fee | €650 | published source | opstartkosten makelaar € 300–1.000 | 30 Oct 2026 |
| Sensitivity: value growth rates | −2% · −1% · 0% · 1% · 2% · 3% · 4% · 5% | assumption | – | 31 Oct 2026 |
| Forecast horizon | 10 years | assumption | – | 31 Oct 2026 |
| Renovation: new roof covering | €15,000 | assumption | – | 31 Oct 2026 |
| Comparable rentals: bedrooms more or fewer | 1 | assumption | – | 31 Oct 2026 |
| Comparable rentals: dwelling classes away, at most | 1 | assumption | – | 31 Oct 2026 |
| Rent growth a year (long run) | 3% | assumption | – | 31 Oct 2026 |
| Outliers trimmed by the MAD below (comparables) | 10 | assumption | – | 31 Oct 2026 |
| Market check: rent per m² a month, houses (NVM) | €14.61/m² | published source | NVM/VGM Q4 2025, woonhuizen € 14,61/m² per maand — alleen controle, nooit publicatie | 30 Oct 2026 |
| Depreciation | 0% | law | bodemwaarde verhuurd vastgoed = 100% WOZ (art. 3.30a Wet IB 2001): geen afschrijving zolang de boekwaarde de WOZ niet overstijgt | 31 Oct 2026 |
| Photos read per home, at most | 8 | assumption | – | 31 Oct 2026 |
| Photography at sale | €250 | published source | fotografie € 150–350 | 30 Oct 2026 |
| Mortgage, preset | 30% | assumption | – | 31 Oct 2026 |
| Mortgage term | 30 years | assumption | – | 31 Oct 2026 |
| Boiler replacement | €3,000 | assumption | – | 31 Oct 2026 |
| Comparable rentals, ring 3: municipality (km) | 8 | assumption | – | 31 Oct 2026 |
| Base: mortgage interest rate | 4.5% | assumption | – | 31 Oct 2026 |
| State by age (share of the life) | good 0.6 · new 0.2 · fair 1 | assumption | – | 31 Oct 2026 |
| Listing package at sale | €449 | published source | advertentiepakket (Zilver) (Brons/Zilver/Goud € 279–649 incl. btw) | 30 Oct 2026 |
| Mortgage shares offered | 0% · 10% · 20% · 30% · 40% · 50% · 60% · 70% | assumption | – | 31 Oct 2026 |
| Cost growth a year | 2.5% | assumption | – | 31 Oct 2026 |
| Renovation: new boiler | €3,000 | assumption | – | 31 Oct 2026 |
| Renovation: new toilet | €3,000 | assumption | – | 31 Oct 2026 |
| Comparable rentals: shortest distance counted (km) | 1 | assumption | – | 31 Oct 2026 |
| Furnished rent to bare rent | 0.85 | assumption | – | 31 Oct 2026 |
| MAD trim: highest share left out | 20% | assumption | – | 31 Oct 2026 |
| Widest spread of the rents (p75 / p25) | 2.5 | assumption | – | 31 Oct 2026 |
| The home’s own earlier rent: living area within (±) | 15% | assumption | – | 31 Oct 2026 |
| Value after the works: living area within (±) | 35% | assumption | – | 31 Oct 2026 |
| Value after the works: minimum modernised homes | 5 | assumption | – | 31 Oct 2026 |
| Notary | €2,000 | assumption | – | 31 Oct 2026 |
| Building survey | €450 | assumption | – | 31 Oct 2026 |
| Box 3 actual return: tax rate | 36% | assumption | – | 31 Oct 2026 |
| Appreciation a year (base) | 3.3% | assumptionnot verified | ABN AMRO, Woningmarktmonitor "Beter in 2026, grotere afkoeling in 2027", 1-10-2026 (abnamro.com): 2027 +2,5%; RaboResearch, Kwartaalbericht Woningmarkt "Huizenprijzen stijgen dit jaar beperkt", 12-3-2026 (rabobank.nl): 2027 +4,1%; het gemiddelde (3,3%) als eigen aanname voor alle tien jaar | 5 Nov 2026 |
| Interest rates offered | 3.5% · 4% · 4.5% · 5% · 5.5% · 6% · 6.5% | assumption | – | 31 Oct 2026 |
| Vacancy | 4% | assumption | – | 31 Oct 2026 |
| Overbid on the asking price, other homes | 3.3% | published source | NVM kwartaalcijfers 3e kwartaal 2026 (8-10-2026): bijna twee derde boven de vraagprijs verkocht (71% een jaar eerder); per woningtype uit de 40 NVM-COROP-marktoverzichten via Percelio ("Hoeveel overbieden 2026? Gemiddeld 3,3%"): appartement 70% boven, gemiddeld +4,5%; tussenwoning 74%, +4,3%; vrijstaand 44%, −0,1% | 31 Oct 2026 |
| Renovation: new kitchen | €12,000 | assumption | – | 31 Oct 2026 |
| Location index, minimum homes for sale | 8 | assumption | – | 31 Oct 2026 |
| Location index radius (km) | 1 | assumption | – | 31 Oct 2026 |
| WOZ value is the box 3 base | yes | law | Belastingdienst, "Overige onroerende zaken" (belastingdienst.nl), gelezen 2026-11-01 (art. 5.20 Wet IB 2001 zelf niet gelezen: wetten.overheid.nl niet bereikbaar) | 1 Nov 2026 |
| Renovation score: weight per part | roof covering 7 · boiler 5 · floors 10 · toilet 5 · kitchen 20 · bathroom 20 · insulation 5 · frames and glass 10 · exterior paint 8 · interior paint 10 | assumption | – | 31 Oct 2026 |
| Insurance a year | €400 | assumption | – | 31 Oct 2026 |
| Renovation: new bathroom | €15,000 | assumption | – | 31 Oct 2026 |
| Renovation: contingency | 10% | assumption | – | 31 Oct 2026 |
| Renovation: new floors per m² | €60.00/m² | assumption | – | 31 Oct 2026 |
| Location correction, ceiling (factor) | 1.15 | assumption | – | 31 Oct 2026 |
| Location correction, floor (factor) | 0.85 | assumption | – | 31 Oct 2026 |
| Minimum effective number of comparable rentals | 4 | assumption | – | 31 Oct 2026 |
| Market check: rent per m² a month, apartments (NVM) | €19.75/m² | published source | NVM/VGM Q4 2025, appartementen € 19,75/m² per maand — alleen controle | 30 Oct 2026 |
| Upholstered rent to bare rent | 0.93 | assumption | – | 31 Oct 2026 |
| WWS maximum rents indexed, 2026 | 3.65% | law | Huurcommissie, Beleidsboek waarderingsstelsel zelfstandige woonruimte (versie juli 2026), bijlage 3: maximale huurprijsgrenzen per 1-1-2026, gelezen 2026-10-31 (143 punten € 932,93; 186 punten € 1.228,07) | 31 Oct 2026 |
| Value after the works: build year within (years) | 30 | assumption | – | 31 Oct 2026 |
| Land registry | €300 | assumption | – | 31 Oct 2026 |
| Box 3 actual return: status | bill (not yet law) | published source | Wet werkelijk rendement box 3: Tweede Kamer akkoord 12-2-2026, Eerste Kamer uitgesteld (novelle), Kamerbrief 29-9-2026 met vier scenario's — beoogd 2028 | 30 Oct 2026 |
| Sewerage chargeHoeksche Waard | €144 | law"1. Het eigenarendeel van woningen bedraagt per perceel per jaar € 144,25"; "geheven naar een vast bedrag per perceel" (art. 5 lid 1), geldend vanaf 24-12-2025; het gebruikersdeel (€ 72,13 voor één persoon, € 144,25 voor meer) betaalt de gebruiker | Verordening rioolheffing 2026 (Hoeksche Waard), CVDR752875/1, art. 5 lid 1 en 6 lid 1 (lokaleregelgeving.overheid.nl) | 12 Nov 2026 |
| Renovation: one energy-label step | €6,000 | assumption | – | 31 Oct 2026 |
| Cautious rent: the median rent of the comparable rentals times | 0.88 | published source | eigen backtest op netherlands_rent_listings, 2026-11-06 (run 42149600440, met γ = 0,6): verhuurde huur ÷ p50 over 573 geschatte verhuurde woningen q10 0,788 · q25 0,883 · q50 0,980 · q75 1,073 · q90 1,190 (appartementen q25 0,883, huizen 0,884); de q25 op de leerhelft, 0,885, liet op de testhelft 26,2% van 271 woningen eronder verhuren (doel 25%), tegen 35,4% onder de p25 van de comps | 6 Nov 2026 |
| Rent vs location (elasticity) | 0.6 | published source | eigen backtest op netherlands_rent_listings, 2026-11-05/06 (runs 42078135913, 42080252315, 42149600440): 1.095 verhuurde woningen, elk verborgen en geschat uit de andere advertenties zoals die op de verhuurdatum bekend waren (573 geschat); de zoektocht over de modelaannames koos γ = 0,6 op elke helft van de woningen afzonderlijk; op de helft die hij niet zag: verlies −0,0052 (95% −0,0091 … −0,0014) en −0,0032 (95% −0,0066 … +0,0002); binnen 20% van de verhuurde huur 76,7% → 79,7% op de testhelft. Een sterkere γ (1,25) hield buiten de leerhelft geen stand | 6 Nov 2026 |
| Highest weight of one comparable | 25% | assumption | – | 31 Oct 2026 |
| Valuation | €800 | assumption | – | 31 Oct 2026 |
| Life: roof covering | 40 years | assumption | – | 31 Oct 2026 |
| Selling agent’s commission | 1.1% | published source | makelaarscourtage 1,1% excl. btw, gemiddelde 2026 | 30 Oct 2026 |
| Maintenance a year | €3,500 | assumption | – | 31 Oct 2026 |
| Management | 5% | assumption | – | 31 Oct 2026 |
| Overbid on the asking price, detached house | −0.1% | published source | NVM kwartaalcijfers 3e kwartaal 2026 (8-10-2026): bijna twee derde boven de vraagprijs verkocht (71% een jaar eerder); per woningtype uit de 40 NVM-COROP-marktoverzichten via Percelio ("Hoeveel overbieden 2026? Gemiddeld 3,3%"): appartement 70% boven, gemiddeld +4,5%; tussenwoning 74%, +4,3%; vrijstaand 44%, −0,1% | 31 Oct 2026 |
| Overbid on a new build | 0% | assumption | – | 31 Oct 2026 |
| Overbid on the asking price, terraced house | 4.3% | published source | NVM kwartaalcijfers 3e kwartaal 2026 (8-10-2026): bijna twee derde boven de vraagprijs verkocht (71% een jaar eerder); per woningtype uit de 40 NVM-COROP-marktoverzichten via Percelio ("Hoeveel overbieden 2026? Gemiddeld 3,3%"): appartement 70% boven, gemiddeld +4,5%; tussenwoning 74%, +4,3%; vrijstaand 44%, −0,1% | 31 Oct 2026 |
| Floor area: advert and BAG differ by more than (of the BAG area) | 15% | assumption | eigen meting op netherlands_homes, 2026-11-05: van de 12.492 detail-gelezen woningen met beide oppervlakken staat de advertentie bij 985 meer dan 15% boven de BAG-gebruiksoppervlakte (553 meer dan 30%) en bij 1.376 meer dan 15% eronder; 116 van de 2.090 woningen met een niet-achtergehouden prognose staan meer dan 15% boven de BAG, 4 van de 205 gepubliceerde Apeldoornse | 5 Nov 2026 |
| Age check of the comparable rentals switched on | yes | assumption | – | 5 Nov 2026 |
| Maximum rent rise 2026, free sector | 4.4% | law | Rijksoverheid, "Maximale huurverhoging 2026", 15-12-2025 (gecontroleerd 2026-10-30) | 30 Oct 2026 |
| The home’s own earlier rent counts for | 12 months | assumption | – | 31 Oct 2026 |
| Rent vs size, houses (elasticity) | 0.7 | published source | eigen meting op netherlands_rent_listings (1.481 advertenties, 235 plaatsen), 2026-10-31: log kale huur op log m² binnen dezelfde plaats (plaatsen met ≥ 5 advertenties), huizen n = 101, β = 0,70 ± 0,08 | 31 Oct 2026 |
| Value after the works: modernised with a label up to | B | assumption | – | 31 Oct 2026 |
| Buying agent | €0 | assumption | – | 31 Oct 2026 |
| Ground lease: canon multiple added to the WOZ | 17 | assumption | – | 1 Nov 2026 |
| Boiler life | 15 years | assumption | – | 31 Oct 2026 |
| Overbid on the asking price, apartment | 4.5% | published source | NVM kwartaalcijfers 3e kwartaal 2026 (8-10-2026): bijna twee derde boven de vraagprijs verkocht (71% een jaar eerder); per woningtype uit de 40 NVM-COROP-marktoverzichten via Percelio ("Hoeveel overbieden 2026? Gemiddeld 3,3%"): appartement 70% boven, gemiddeld +4,5%; tussenwoning 74%, +4,3%; vrijstaand 44%, −0,1% | 31 Oct 2026 |
| A v.o.n. price includes the buyer’s costs | yes | assumption | – | 31 Oct 2026 |
| Age check: comparable rentals newer than the home, at most (on average) | 30 years | assumption | eigen meting op de gepubliceerde Apeldoorn-set (279 woningen, NL-LTR-2026.16, gate van 2026-11-05 08:53 UTC), met de code van NL-LTR-2026.17 op de opgeslagen woningen en huuradvertenties: het gewogen bouwjaar van de comps (de gekapte gewichten, comps met een bouwjaar) min dat van de woning, alleen waar de p50 van de comps de huur zet; een gestruikelde comp-set telt niet en het zoeken gaat door langs de comps van de eigen generatie (bouwjaar ±40). N 30 houdt 78 huizen achter (bouwjaar 1878–1985; 201 gepubliceerd, IRR10 p25/p50/p75 2,31/2,66/3,19, nettorendement p50 2,04, huur p50 € 1.187, vraagprijs p50 € 379.000; de eerste gate na de omzetting heeft --accept-drop 78 nodig), N 40 61 huizen (218; 2,34/2,73/3,33), N 50 11 huizen (268; 2,47/2,91/3,72); bij 40 blijven de huizen van 1978–1990 op dezelfde nieuwbouwcomps gepubliceerd. Geen generatiecorrectie te meten: binnen 8 km geen huuradvertentie van een huis uit 1945–1974 | 5 Nov 2026 |
| Age check: comparables’ weight with a known building year, at least | 50% | assumption | – | 5 Nov 2026 |
| Location index, wider radius (km) | 2 | assumption | – | 31 Oct 2026 |
| Rent with service costs of no stated amount to bare rent | 0.93 | assumption | – | 31 Oct 2026 |
| WWS maximum rents indexed a year (long run) | 3% | assumption | – | 31 Oct 2026 |
| Base: rent growth a year | 3% | assumption | – | 31 Oct 2026 |
| Optimistic: mortgage interest rate | 4% | assumption | – | 31 Oct 2026 |
| Box 3 debt threshold | €3,800 | law | Belastingdienst, "Berekening box 3-inkomen 2026" (belastingdienst.nl), gelezen 2026-11-01: forfait beleggingen en andere bezittingen 6,00%, schulden 2,70%, tarief 36%, heffingsvrij vermogen € 59.357, schuldendrempel € 3.800 (de aangekondigde 7,78% / € 51.396 zijn teruggedraaid) | 1 Nov 2026 |
| Life: boiler | 15 years | assumption | – | 31 Oct 2026 |
| Life: floors | 20 years | assumption | – | 31 Oct 2026 |
| Life: toilet | 25 years | assumption | – | 31 Oct 2026 |
| Renovation score: extra when the text says fixer-upper | 20 | assumption | – | 31 Oct 2026 |
| Renovation score: share of the weight by state | good 0.1 · new 0 · unknown 0.3 · fair 0.45 · due for replacement 1 | assumption | – | 31 Oct 2026 |
| Ground lease: canon multiple deducted in box 3 | 17 | law | Belastingdienst, "Waarde verhuurde woning en erfpacht" (belastingdienst.nl), gelezen 2026-11-01: de WOZ-waarde min de waarde van de toekomstige canons, 17 keer de jaarlijkse erfpachtcanon (20× na € 20.000 aftrek alleen voor een verhuurd deel dat niet zonder splitsing verkocht kan worden) | 1 Nov 2026 |
| Exterior paint | €6,000 | assumption | – | 31 Oct 2026 |
| Purchase to transfer, on average | 3 months | assumption | – | 3 Nov 2026 |
| Rent factor, corner house | 1 | published source | eigen meting op netherlands_rent_listings (huizen, één advertentie per woning, 2026-11-01): log kale huur op log m², woningklasse, labelklasse en bouwperiode, plaats als vaste factor; n = 175 in 41 plaatsen met ≥ 2 huizen: hoekwoning × 1,003 ± 0,05 (t 0,1) t.o.v. tussenwoning | 1 Nov 2026 |
| Rent factor, detached house | 1 | published source | eigen meting op netherlands_rent_listings (huizen, één advertentie per woning, 2026-11-01): log kale huur op log m², woningklasse, labelklasse en bouwperiode, plaats als vaste factor; n = 175 in 41 plaatsen met ≥ 2 huizen: vrijstaand × 1,027 ± 0,08 (t 0,3) | 1 Nov 2026 |
| Comparable rentals: build year within | 40 years | assumption | – | 31 Oct 2026 |
| Maximum rent rise 2026, mid-rent | 6.1% | law | Rijksoverheid, "Maximale huurverhoging 2026", 15-12-2025 (gecontroleerd 2026-10-30) | 30 Oct 2026 |
| Maximum rent rise 2026, social rent | 4.1% | law | Rijksoverheid, "Maximale huurverhoging 2026", 15-12-2025 (gecontroleerd 2026-10-30) | 30 Oct 2026 |
| A comparable’s weight halves every | 9 months | assumption | – | 31 Oct 2026 |
| Base: vacancy | 4% | assumption | – | 31 Oct 2026 |
| Pessimistic: mortgage interest rate | 5.5% | assumption | – | 31 Oct 2026 |
| Transfer tax | 8% | law | Belastingdienst, "Tarieven overdrachtsbelasting" (belastingdienst.nl), gelezen 2026-11-01 — netherlands-roi-config.mjs ACQUISITION.transferTaxRate | 1 Nov 2026 |
| Box 3 deemed return on debts | 2.7% | law | Belastingdienst, "Berekening box 3-inkomen 2026" (belastingdienst.nl), gelezen 2026-11-01: forfait beleggingen en andere bezittingen 6,00%, schulden 2,70%, tarief 36%, heffingsvrij vermogen € 59.357, schuldendrempel € 3.800 (de aangekondigde 7,78% / € 51.396 zijn teruggedraaid) | 1 Nov 2026 |
| Life: kitchen | 20 years | assumption | – | 31 Oct 2026 |
| Property tax (OZB), share of WOZHoeksche Waard | 0.08158% | law"1. voor onroerende zaken die in hoofdzaak tot woning dienen: 0,08158%"; de eigenarenbelasting, geldend vanaf 24-12-2025 (Gemeenteblad 2025, 564745), heffing vanaf 1 januari 2026 (art. 8 lid 3); onder een heffingsmaatstaf van € 12.000 geen belasting | Verordening onroerende-zaakbelastingen 2026 (Hoeksche Waard), CVDR752878/1, art. 5 lid 1 b 1 (lokaleregelgeving.overheid.nl) | 12 Nov 2026 |
| Re-letting fee | 1 month | assumption | – | 31 Oct 2026 |
| Renovation: exterior paint | €6,000 | assumption | – | 31 Oct 2026 |
| Rent per energy-label class (houses) | 3% | assumption | eigen meting op netherlands_rent_listings (huizen, één advertentie per woning, 2026-11-01): log kale huur op log m², labelklasse, bouwperiode en woningklasse, plaats als vaste factor; n = 156 in 38 plaatsen (18 A+, 93 A–B, 36 C–D, 9 E–G): A+ × 1,055 ± 0,063 (t 0,9), C–D × 0,964 ± 0,053 (t −0,7), E–G × 0,999 ± 0,088 (t 0,0); als één stap −2,7% ± 3,0 per klasse (t −0,9) | 1 Nov 2026 |
| Base: appreciation a year | 3.3% | assumptionnot verified | ABN AMRO, Woningmarktmonitor "Beter in 2026, grotere afkoeling in 2027", 1-10-2026 (abnamro.com): 2027 +2,5%; RaboResearch, Kwartaalbericht Woningmarkt "Huizenprijzen stijgen dit jaar beperkt", 12-3-2026 (rabobank.nl): 2027 +4,1%; het gemiddelde (3,3%) als eigen aanname voor alle tien jaar | 5 Nov 2026 |
| Box 3 deemed return on assets | 6% | law | Belastingdienst, "Berekening box 3-inkomen 2026" (belastingdienst.nl), gelezen 2026-11-01: forfait beleggingen en andere bezittingen 6,00%, schulden 2,70%, tarief 36%, heffingsvrij vermogen € 59.357, schuldendrempel € 3.800 (de aangekondigde 7,78% / € 51.396 zijn teruggedraaid) — netherlands-roi-config.mjs BOX3.deemedReturn | 1 Nov 2026 |
| Life: bathroom | 25 years | assumption | – | 31 Oct 2026 |
| A photo reading counts from (certainty) | 0.5 | assumption | – | 31 Oct 2026 |
| New tenant every | 4 years | assumption | – | 31 Oct 2026 |
| Rent vs size, apartments (elasticity) | 0.64 | published source | eigen meting op netherlands_rent_listings (1.481 advertenties, 235 plaatsen), 2026-10-31: log kale huur op log m² binnen dezelfde plaats, appartementen n = 943, β = 0,64 ± 0,02 | 31 Oct 2026 |
| Value after the works: gain in proportion to the backlog removed | yes | assumption | – | 1 Nov 2026 |
| Mortgage advice | €2,500 | assumption | – | 31 Oct 2026 |
| Box 3 actual return: exemption | €1,800 | assumption | – | 31 Oct 2026 |
| Every part new when built within | 8 years | assumption | – | 31 Oct 2026 |
| Renovation score: extra for label E, F or G | 8 | assumption | – | 31 Oct 2026 |
| Waste charge (owner)National assumption | €0 | assumption | – | 31 Oct 2026 |
| Purchase to transfer, at the latest | 6 months | assumption | – | 3 Nov 2026 |
| Overbid after a price cut | 0% | assumption | – | 31 Oct 2026 |
| Renovation: interior paint per m² | €40.00/m² | assumption | – | 31 Oct 2026 |
| Rent factor, apartment with label C to G | 0.871 | published source | eigen meting op netherlands_rent_listings (appartementen, één advertentie per woning, 2026-11-01): log kale huur (servicekosten en stoffering eraf, geen labelcorrectie) op log m², labelklasse (A+ en beter / A–B / C–D / E–G) en bouwperiode, postcode-4 als vaste factor; n = 746 in 162 postcodegebieden met ≥ 2 appartementen (319 A+, 315 A–B, 104 C–D, 8 E–G). Per klasse t.o.v. A–B: A+ × 1,060 ± 0,019 (t 3,1), C–D × 0,876 ± 0,022 (t −6,0), E–G × 0,815 ± 0,062 (t −3,3; 8 advertenties, van C–D niet te onderscheiden: t −1,1). Met C–G als één klasse: A+ × 1,059 ± 0,019 (t 3,1), C–G × 0,871 ± 0,022 (t −6,4); geclusterd op postcode-4 blijft C–D t −5,1 en A+ t 2,9. Eén vaste stap per klasse past slechter (× 0,913 ± 0,012 per klasse; F 3,9 op (1, 578), p ≈ 0,05, AIC kiest de tabel): de sprong zit tussen A–B en C–D, niet gelijk over de klassen. Gebruikt: de fit met C–G als één klasse, C–G × 0,871 (E–G apart is op 8 advertenties niet te meten) | 1 Nov 2026 |
| Life: insulation | 40 years | assumption | – | 31 Oct 2026 |
| Age of “recently renewed” without a year (years) | 3 | assumption | – | 31 Oct 2026 |
| Ground lease: highest plausible canon, share of the asking price | 3% | assumption | – | 1 Nov 2026 |
| New kitchen: counter and WWS points for extras | counter (m) 2.5 · points for extras 4 | assumption | – | 31 Oct 2026 |
| Rent factor, house built 2005 or later | 1 | published source | eigen meting op netherlands_rent_listings (huizen, één advertentie per woning, 2026-11-01): log kale huur op log m², woningklasse, labelklasse en bouwperiode, plaats als vaste factor; n = 175 in 41 plaatsen met ≥ 2 huizen: bouwjaar 2005 of later × 0,935 ± 0,05 (t −1,3) t.o.v. 1945–2004 | 1 Nov 2026 |
| Rent factor, apartment with label A or better | 1.059 | published source | eigen meting op netherlands_rent_listings (appartementen, één advertentie per woning, 2026-11-01): log kale huur (servicekosten en stoffering eraf, geen labelcorrectie) op log m², labelklasse (A+ en beter / A–B / C–D / E–G) en bouwperiode, postcode-4 als vaste factor; n = 746 in 162 postcodegebieden met ≥ 2 appartementen (319 A+, 315 A–B, 104 C–D, 8 E–G). Per klasse t.o.v. A–B: A+ × 1,060 ± 0,019 (t 3,1), C–D × 0,876 ± 0,022 (t −6,0), E–G × 0,815 ± 0,062 (t −3,3; 8 advertenties, van C–D niet te onderscheiden: t −1,1). Met C–G als één klasse: A+ × 1,059 ± 0,019 (t 3,1), C–G × 0,871 ± 0,022 (t −6,4); geclusterd op postcode-4 blijft C–D t −5,1 en A+ t 2,9. Eén vaste stap per klasse past slechter (× 0,913 ± 0,012 per klasse; F 3,9 op (1, 578), p ≈ 0,05, AIC kiest de tabel): de sprong zit tussen A–B en C–D, niet gelijk over de klassen. Gebruikt: de fit met C–G als één klasse, A+ × 1,059 | 1 Nov 2026 |
| Box 3 tax-free allowance per person | €59,357 | law | Belastingdienst, "Heffingsvrij vermogen" (belastingdienst.nl), tabel "Welk deel van mijn vermogen is belastingvrij?", gelezen 2026-11-01 | 1 Nov 2026 |
| Insurance a year (apartment) | €150 | assumption | – | 1 Nov 2026 |
| Maintenance a year (built before 1950) | €4,500 | assumption | – | 31 Oct 2026 |
| Empty between tenants | 1 month | assumption | – | 31 Oct 2026 |
| Rent after the works: percentile of the comparables | p50→p75 | assumption | – | 1 Nov 2026 |
| Rent factor, semi-detached house | 1 | published source | eigen meting op netherlands_rent_listings (huizen, één advertentie per woning, 2026-11-01): log kale huur op log m², woningklasse, labelklasse en bouwperiode, plaats als vaste factor; n = 175 in 41 plaatsen met ≥ 2 huizen: 2-onder-1-kap (en geschakeld, halfvrijstaand) × 1,071 ± 0,05 (t 1,3) | 1 Nov 2026 |
| Optimistic: rent growth a year | 4% | assumption | – | 31 Oct 2026 |
| Value after the works: modernised when built within | 12 years | assumption | – | 31 Oct 2026 |
| Vacant-value ratio applied in box 3 | no | assumption | Belastingdienst, "Tabellen waarde verhuurde of verpachte woning" (belastingdienst.nl), gelezen 2026-11-01 | 1 Nov 2026 |
| Life: frames and glass | 35 years | assumption | – | 31 Oct 2026 |
| Full renovation: target label | A | assumption | – | 31 Oct 2026 |
| HR++ glass (house) | €9,000 | assumption | – | 31 Oct 2026 |
| Optimistic: vacancy | 2% | assumption | – | 31 Oct 2026 |
| Pessimistic: rent growth a year | 2% | assumption | – | 31 Oct 2026 |
| Notary, mortgage deed only (v.o.n. purchase) | €900 | assumption | – | 31 Oct 2026 |
| Share of the tax-free allowance available to this home | 100% | assumption | – | 31 Oct 2026 |
| Box 3 actual return: on by default | no | assumption | – | 31 Oct 2026 |
| Box 3 actual return: gains taxed at the sale | yes | assumption | – | 31 Oct 2026 |
| Exterior paint every | 7 years | assumption | – | 31 Oct 2026 |
| Rent factor, house built before 1945 | 1 | published source | eigen meting op netherlands_rent_listings (huizen, één advertentie per woning, 2026-11-01): log kale huur op log m², woningklasse, labelklasse en bouwperiode, plaats als vaste factor; n = 175 in 41 plaatsen met ≥ 2 huizen: bouwjaar vóór 1945 × 1,031 ± 0,06 (t 0,5) t.o.v. 1945–2004 | 1 Nov 2026 |
| Optimistic: appreciation a year | 4.5% | assumption | – | 31 Oct 2026 |
| Pessimistic: vacancy | 8% | assumption | – | 31 Oct 2026 |
| Value after the works: highest gain (× the cost of the works) | 150% | assumption | – | 1 Nov 2026 |
| Value after the works: modernised when renovated within | 6 years | assumption | – | 31 Oct 2026 |
| Life: exterior paint | 7 years | assumption | – | 31 Oct 2026 |
| Life: interior paint | 8 years | assumption | – | 31 Oct 2026 |
| Water board levy, share of WOZHoeksche Waard | 0.0364% | law"bedraagt het tarief van de heffing voor onroerende zaken die in hoofdzaak tot woning dienen 0,0364 % van de heffingsmaatstaf"; woningen 2026, Waterschapsblad 2025, 30083, geldend vanaf 10-12-2025, heffing vanaf 1 januari 2026 (art. 15 lid 3); buitendijks 0,0091%; bij erfpacht betaalt de erfpachter (art. 2 lid 4 a). De wegenheffing van het waterschap (0,0079% van de WOZ in 2026, Waterschapsblad 2025, 30085, alleen in het deel van het gebied waar het waterschap wegen beheert) is niet gemodelleerd | Verordening op de watersysteemheffing waterschap Hollandse Delta 2026, CVDR749186/1, art. 10 lid 1 (lokaleregelgeving.overheid.nl) | 3 Nov 2026 |
| Full renovation: weeks without rent | 14 | assumption | – | 31 Oct 2026 |
| Hybrid heat pump | €7,000 | assumption | – | 31 Oct 2026 |
| Roof insulation | €6,000 | assumption | – | 31 Oct 2026 |
| Cavity wall insulation | €4,000 | assumption | – | 31 Oct 2026 |
| Rent factor, apartment built 2005 or later | 1 | published source | eigen meting op netherlands_rent_listings (appartementen, één advertentie per woning, 2026-11-01): log kale huur op log m², labelklasse en bouwperiode, postcode-4 als vaste factor; n = 883 in 172 postcodegebieden met ≥ 2 appartementen: bouwjaar 2005 of later × 1,023 ± 0,023 (t 1,0) | 1 Nov 2026 |
| Pessimistic: appreciation a year | 0% | assumption | – | 31 Oct 2026 |
| Value after the works: no gain from label | B | assumption | – | 1 Nov 2026 |
| Maintenance a year per m² (apartment) | €12.00/m² | assumption | – | 1 Nov 2026 |
| Floor insulation | €3,000 | assumption | – | 31 Oct 2026 |
| Value gain from a refresh | 0% | assumption | – | 31 Oct 2026 |
| Rent after the works: highest rise | 15% | assumption | eigen meting op netherlands_homes Apeldoorn (comps-basis, n = 583), 2026-11-01: per_m2_p75 / per_m2_p50 mediaan 1,058, p25 1,031, p75 1,083, p90 1,146 (sd 0,095); dunne sets van 5 comps op gemeenteniveau halen 1,55–1,62 | 1 Nov 2026 |
| Owners’ association (VvE) a month per m², when unknown | €1.60/m² | assumption | – | 31 Oct 2026 |
| Age check: building periods with a measured generation correction (against 1945–2004) | houses: 1945–2004 · apartments: 1945–2004, before 1945 | assumption | eigen meting op netherlands_rent_listings (huizen, één advertentie per woning, 2026-11-01): log kale huur op log m², woningklasse, labelklasse en bouwperiode, plaats als vaste factor; n = 175 in 41 plaatsen met ≥ 2 huizen; eigen meting op netherlands_rent_listings (appartementen, één advertentie per woning, 2026-11-01): log kale huur op log m², labelklasse en bouwperiode, postcode-4 als vaste factor; n = 883 in 172 postcodegebieden met ≥ 2 appartementen | 5 Nov 2026 |
| A thorough modernisation renews | kitchen · bathroom · toilet · floors · interior paint | assumption | – | 31 Oct 2026 |
| HR++ glass (apartment) | €5,000 | assumption | – | 31 Oct 2026 |
| New bathroom: fixtures at least | showers 1 · toilets 1 · washbasins 1 | assumption | – | 31 Oct 2026 |
| Refresh: weeks without rent | 6 | assumption | – | 31 Oct 2026 |
| Rent factor, apartment built before 1945 | 1.065 | published source | eigen meting op netherlands_rent_listings (appartementen, één advertentie per woning, 2026-11-01): log kale huur op log m², labelklasse en bouwperiode, postcode-4 als vaste factor; n = 883 in 172 postcodegebieden met ≥ 2 appartementen: bouwjaar vóór 1945 × 1,065 ± 0,027 (t 2,4) t.o.v. 1945–2004 (met plaats in plaats van postcode-4 × 1,167 ± 0,02: dat is grotendeels ligging, de binnenstad) | 1 Nov 2026 |
| Best scenario: least IRR gain (percentage points) | 0.25 | assumption | – | 1 Nov 2026 |
| Backlog points per label step | 5 | assumption | – | 1 Nov 2026 |
| Full renovation: target label (built before 1945) | B | assumption | – | 31 Oct 2026 |
| New bathroom: WWS points for extras | 4 | assumption | – | 31 Oct 2026 |
| Maintenance after a renovation (factor) | 0.7 | assumption | – | 31 Oct 2026 |
Defaults set for this home
- Expected purchase price€489,688verwachte koopsom: vraagprijs € 469.500 +4,3% — tussenwoning: gemiddeld +4,3% t.o.v. de vraagprijs (NVM 3e kwartaal 2026) (model setting ‘Overbid on the asking price, terraced house’)
- Property tax (OZB), municipal0.08158%Property tax (OZB), owner, Hoeksche Waard: 0.0816% of the WOZ
- Sewerage charge, municipal€144Sewerage charge, owner, Hoeksche Waard: €144 a year
- Water board levy, municipal0.0364%Water board levy, owner, Hoeksche Waard: 0.0364% of the WOZ
- Buy-to-let protectiongeen opkoopbescherming in Hoeksche Waard gevonden: de Huisvestingsverordening gemeente Hoeksche Waard 2026-2030 (in werking vanaf 1 januari 2026, "Deze verordening vervalt op 31 december 2029.", art. 24 lid 3; geldend t/m 30-12-2029) heeft alleen hoofdstukken over de huisvestingsvergunning, urgentie, overige en slotbepalingen, en geen hoofdstuk over artikel 41 van de Huisvestingswet: zij is vastgesteld "gelet op artikel 147 en 149 van de Gemeentewet, artikel 4, onder a, van de Huisvestingswet 2014;" en het woord opkoop staat er niet in, net zo min als in de verordeningen 2021-2025 en 2025 (beide lezers in hun geheel gelezen, 2026-11-12); de Legesverordening 2026 kent geen leges voor een opkoopvergunning en geen regionale verordening regelt het
Model input
- Expected purchase price
- €489,688
- Rent segment
- Free sector
- Municipal charges
- Sewerage charge €144 · Property tax (OZB), share of WOZ 0.08158% · Water board levy, share of WOZ 0.0364%
- WOZ value (estimate)
- €434,288
- Build year
- 1973
- Owners’ association (VvE) a month
- €0
- Asking price
- €469,500
- Overbid on the asking price
- 4.3%
- Market rent a month
- €1,424
- Type of home
- house
- Living area (m²)
- 125
- Price terms
- buyer pays the costs (k.k.)
- Boiler age
- 3 years
- WWS maximum rent a month
- –
- Exterior last painted (years ago)
- –
Model versions
- Forecast model
- NL-LTR-2026.19
- Points model
- WWS-2026.1
- Rent model
- –
Dates
- Advert read
- 11 Nov 2026
- Rents refreshed
- 13 Nov 2026
- Forecast computed
- 13 Nov 2026
Agent
Agent not yet linked: the advert names one, Brixfox does not read it yet.