Maximale hypotheek berekenen

Formulas:

• h_ink = if(situatie == 'samen', inkomen1 + inkomen2, inkomen1)
  
• h_tr = if(rentevast == 'rv10', rente, if(rente > afm, rente, afm))
  
• h_k = if(h_ink >= 125000, 125, if(h_ink < 30000, 30, ceil(h_ink / 1000 - 0.9999)))
  
• h_c1 = round(if(h_k<=31,15.5+(h_k-30)*0.7,if(h_k<=32,16.2+(h_k-31)*0.5,if(h_k<=33,16.7+(h_k-32)*0.4,if(h_k<=34,17.1+(h_k-33)*0.2,if(h_k<=35,17.3+(h_k-34)*0.1,if(h_k<=56,17.4,if(h_k<=58,17.4+(h_k-56)*0.1,if(h_k<=63,17.6+(h_k-58)*0.04,if(h_k<=68,17.8+(h_k-63)*0.1,if(h_k<=74,18.3+(h_k-68)*0.166667,if(h_k<=82,19.3+(h_k-74)*0.1,if(h_k<=85,20.1+(h_k-82)*0.033333,if(h_k<=86,20.2,if(h_k<=89,20.2+(h_k-86)*0.1,if(h_k<=91,20.5,if(h_k<=94,20.5+(h_k-91)*0.1,if(h_k<=95,20.8,if(h_k<=97,20.8+(h_k-95)*0.1,if(h_k<=111,21+(h_k-97)*0.042857,if(h_k<=114,21.6+(h_k-111)*0.066667,if(h_k<=116,21.8,if(h_k<=119,21.8+(h_k-116)*0.066667,if(h_k<=121,22,if(h_k<=124,22+(h_k-121)*0.066667,22.2)))))))))))))))))))))))),1)
  
• h_c2 = round(if(h_k<=31,16.5+(h_k-30)*0.8,if(h_k<=32,17.3+(h_k-31)*0.6,if(h_k<=33,17.9+(h_k-32)*0.4,if(h_k<=34,18.3+(h_k-33)*0.2,if(h_k<=57,18.5,if(h_k<=62,18.5+(h_k-57)*0.06,if(h_k<=65,18.8+(h_k-62)*0.066667,if(h_k<=67,19+(h_k-65)*0.1,if(h_k<=73,19.2+(h_k-67)*0.166667,if(h_k<=74,20.2+(h_k-73)*0.2,if(h_k<=76,20.4+(h_k-74)*0.1,if(h_k<=77,20.6+(h_k-76)*0.2,if(h_k<=84,20.8+(h_k-77)*0.071429,if(h_k<=93,21.3+(h_k-84)*0.044444,if(h_k<=98,21.7+(h_k-93)*0.08,if(h_k<=101,22.1+(h_k-98)*0.033333,if(h_k<=103,22.2+(h_k-101)*0.1,if(h_k<=109,22.4+(h_k-103)*0.033333,if(h_k<=114,22.6+(h_k-109)*0.06,if(h_k<=116,22.9,if(h_k<=121,22.9+(h_k-116)*0.06,if(h_k<=123,23.2,if(h_k<=124,23.2+(h_k-123)*0.1,23.3))))))))))))))))))))))),1)
  
• h_c3 = round(if(h_k<=31,17.5+(h_k-30)*0.8,if(h_k<=32,18.3+(h_k-31)*0.7,if(h_k<=33,19+(h_k-32)*0.5,if(h_k<=34,19.5+(h_k-33)*0.1,if(h_k<=59,19.6,if(h_k<=65,19.6+(h_k-59)*0.066667,if(h_k<=67,20+(h_k-65)*0.1,if(h_k<=70,20.2+(h_k-67)*0.166667,if(h_k<=74,20.7+(h_k-70)*0.2,if(h_k<=79,21.5+(h_k-74)*0.12,if(h_k<=86,22.1+(h_k-79)*0.057143,if(h_k<=88,22.5,if(h_k<=95,22.5+(h_k-88)*0.057143,if(h_k<=104,22.9+(h_k-95)*0.066667,if(h_k<=105,23.5,if(h_k<=107,23.5+(h_k-105)*0.1,if(h_k<=110,23.7,if(h_k<=117,23.7+(h_k-110)*0.057143,if(h_k<=119,24.1,if(h_k<=124,24.1+(h_k-119)*0.06,24.4)))))))))))))))))))),1)
  
• h_c4 = round(if(h_k<=31,18.4+(h_k-30)*0.9,if(h_k<=32,19.3+(h_k-31)*0.8,if(h_k<=33,20.1+(h_k-32)*0.5,if(h_k<=59,20.6,if(h_k<=60,20.6+(h_k-59)*0.1,if(h_k<=62,20.7,if(h_k<=63,20.7+(h_k-62)*0.2,if(h_k<=66,20.9+(h_k-63)*0.066667,if(h_k<=69,21.1+(h_k-66)*0.133333,if(h_k<=74,21.5+(h_k-69)*0.2,if(h_k<=79,22.5+(h_k-74)*0.14,if(h_k<=80,23.2,if(h_k<=82,23.2+(h_k-80)*0.1,if(h_k<=84,23.4,if(h_k<=89,23.4+(h_k-84)*0.06,if(h_k<=91,23.7,if(h_k<=98,23.7+(h_k-91)*0.057143,if(h_k<=109,24.1+(h_k-98)*0.063636,if(h_k<=111,24.8,if(h_k<=114,24.8+(h_k-111)*0.066667,if(h_k<=116,25,25+(h_k-116)*0.055556))))))))))))))))))))),1)
  
• h_c5 = round(if(h_k<=32,19.3+(h_k-30)*0.9,if(h_k<=33,21.1+(h_k-32)*0.5,if(h_k<=60,21.6,if(h_k<=63,21.6+(h_k-60)*0.066667,if(h_k<=68,21.8+(h_k-63)*0.1,if(h_k<=75,22.3+(h_k-68)*0.2,if(h_k<=78,23.7+(h_k-75)*0.133333,if(h_k<=80,24.1+(h_k-78)*0.1,if(h_k<=87,24.3+(h_k-80)*0.042857,if(h_k<=92,24.6+(h_k-87)*0.04,if(h_k<=93,24.8,if(h_k<=95,24.8+(h_k-93)*0.1,if(h_k<=97,25,if(h_k<=106,25+(h_k-97)*0.066667,if(h_k<=107,25.6,if(h_k<=109,25.6+(h_k-107)*0.1,if(h_k<=116,25.8+(h_k-109)*0.028571,26+(h_k-116)*0.055556))))))))))))))))),1)
  
• h_c6 = round(if(h_k<=31,20.1+(h_k-30)*1.1,if(h_k<=32,21.2+(h_k-31)*0.9,if(h_k<=33,22.1+(h_k-32)*0.5,if(h_k<=61,22.6,if(h_k<=64,22.6+(h_k-61)*0.066667,if(h_k<=68,22.8+(h_k-64)*0.1,if(h_k<=71,23.2+(h_k-68)*0.2,if(h_k<=72,23.8+(h_k-71)*0.3,if(h_k<=74,24.1+(h_k-72)*0.2,if(h_k<=79,24.5+(h_k-74)*0.14,if(h_k<=81,25.2+(h_k-79)*0.1,if(h_k<=83,25.4,if(h_k<=86,25.4+(h_k-83)*0.066667,if(h_k<=88,25.6,if(h_k<=91,25.6+(h_k-88)*0.066667,if(h_k<=93,25.8,if(h_k<=98,25.8+(h_k-93)*0.06,if(h_k<=100,26.1,if(h_k<=105,26.1+(h_k-100)*0.08,if(h_k<=106,26.5,if(h_k<=108,26.5+(h_k-106)*0.1,if(h_k<=110,26.7,if(h_k<=113,26.7+(h_k-110)*0.066667,if(h_k<=115,26.9,if(h_k<=124,26.9+(h_k-115)*0.055556,27.4))))))))))))))))))))))))),1)
  
• h_c7 = round(if(h_k<=31,20.9+(h_k-30)*1.1,if(h_k<=32,22+(h_k-31)*1,if(h_k<=33,23+(h_k-32)*0.6,if(h_k<=62,23.6,if(h_k<=65,23.6+(h_k-62)*0.066667,if(h_k<=68,23.8+(h_k-65)*0.1,if(h_k<=75,24.1+(h_k-68)*0.214286,if(h_k<=76,25.6+(h_k-75)*0.1,if(h_k<=78,25.7+(h_k-76)*0.2,if(h_k<=81,26.1+(h_k-78)*0.1,if(h_k<=86,26.4+(h_k-81)*0.02,if(h_k<=87,26.5+(h_k-86)*0.1,if(h_k<=89,26.6,if(h_k<=94,26.6+(h_k-89)*0.06,if(h_k<=96,26.9,if(h_k<=99,26.9+(h_k-96)*0.066667,if(h_k<=102,27.1,if(h_k<=107,27.1+(h_k-102)*0.08,if(h_k<=108,27.5,if(h_k<=110,27.5+(h_k-108)*0.1,if(h_k<=112,27.7,if(h_k<=117,27.7+(h_k-112)*0.06,if(h_k<=119,28,if(h_k<=124,28+(h_k-119)*0.06,28.3)))))))))))))))))))))))),1)
  
• h_c8 = round(if(h_k<=32,21.6+(h_k-30)*1.1,if(h_k<=33,23.8+(h_k-32)*0.8,if(h_k<=64,24.6,if(h_k<=67,24.6+(h_k-64)*0.066667,if(h_k<=70,24.8+(h_k-67)*0.166667,if(h_k<=71,25.3+(h_k-70)*0.3,if(h_k<=73,25.6+(h_k-71)*0.2,if(h_k<=74,26+(h_k-73)*0.3,if(h_k<=75,26.3+(h_k-74)*0.1,if(h_k<=78,26.4+(h_k-75)*0.2,if(h_k<=81,27+(h_k-78)*0.1,if(h_k<=88,27.3+(h_k-81)*0.028571,if(h_k<=89,27.5+(h_k-88)*0.1,if(h_k<=91,27.6,if(h_k<=96,27.6+(h_k-91)*0.06,if(h_k<=101,27.9+(h_k-96)*0.02,if(h_k<=102,28+(h_k-101)*0.1,if(h_k<=104,28.1,if(h_k<=110,28.1+(h_k-104)*0.066667,if(h_k<=111,28.5,if(h_k<=113,28.5+(h_k-111)*0.1,if(h_k<=115,28.7,if(h_k<=118,28.7+(h_k-115)*0.066667,if(h_k<=120,28.9,28.9+(h_k-120)*0.06)))))))))))))))))))))))),1)
  
• h_c9 = round(if(h_k<=32,22.2+(h_k-30)*1.2,if(h_k<=33,24.6+(h_k-32)*0.8,if(h_k<=34,25.4+(h_k-33)*0.1,if(h_k<=65,25.5,if(h_k<=68,25.5+(h_k-65)*0.1,if(h_k<=72,25.8+(h_k-68)*0.2,if(h_k<=73,26.6+(h_k-72)*0.3,if(h_k<=76,26.9+(h_k-73)*0.2,if(h_k<=79,27.5+(h_k-76)*0.133333,if(h_k<=80,27.9+(h_k-79)*0.2,if(h_k<=87,28.1+(h_k-80)*0.042857,if(h_k<=89,28.4,if(h_k<=92,28.4+(h_k-89)*0.066667,if(h_k<=94,28.6,if(h_k<=97,28.6+(h_k-94)*0.066667,if(h_k<=102,28.8+(h_k-97)*0.02,if(h_k<=105,28.9+(h_k-102)*0.066667,if(h_k<=107,29.1,if(h_k<=122,29.1+(h_k-107)*0.053333,if(h_k<=124,29.9,29.9+(h_k-124)*0.1)))))))))))))))))))),1)
  
• h_c10 = round(if(h_k<=31,22.7+(h_k-30)*1.4,if(h_k<=32,24.1+(h_k-31)*1.2,if(h_k<=33,25.3+(h_k-32)*0.8,if(h_k<=34,26.1+(h_k-33)*0.3,if(h_k<=66,26.4,if(h_k<=69,26.4+(h_k-66)*0.133333,if(h_k<=73,26.8+(h_k-69)*0.2,if(h_k<=74,27.6+(h_k-73)*0.3,if(h_k<=80,27.9+(h_k-74)*0.166667,if(h_k<=85,28.9+(h_k-80)*0.06,if(h_k<=90,29.2+(h_k-85)*0.02,if(h_k<=103,29.3+(h_k-90)*0.038462,if(h_k<=108,29.8+(h_k-103)*0.04,if(h_k<=110,30,if(h_k<=123,30+(h_k-110)*0.053846,if(h_k<=124,30.7+(h_k-123)*0.1,30.8)))))))))))))))),1)
  
• h_c11 = round(if(h_k<=31,23.2+(h_k-30)*1.4,if(h_k<=32,24.6+(h_k-31)*1.3,if(h_k<=33,25.9+(h_k-32)*0.9,if(h_k<=34,26.8+(h_k-33)*0.5,if(h_k<=67,27.3,if(h_k<=68,27.3+(h_k-67)*0.1,if(h_k<=78,27.4+(h_k-68)*0.2,if(h_k<=83,29.4+(h_k-78)*0.1,if(h_k<=85,29.9,if(h_k<=88,29.9+(h_k-85)*0.066667,if(h_k<=93,30.1+(h_k-88)*0.02,if(h_k<=98,30.2+(h_k-93)*0.04,if(h_k<=107,30.4+(h_k-98)*0.033333,if(h_k<=108,30.7+(h_k-107)*0.1,if(h_k<=111,30.8,if(h_k<=112,30.8+(h_k-111)*0.1,if(h_k<=114,30.9,if(h_k<=124,30.9+(h_k-114)*0.06,31.5)))))))))))))))))),1)
  
• h_c12 = round(if(h_k<=31,23.7+(h_k-30)*1.4,if(h_k<=32,25.1+(h_k-31)*1.3,if(h_k<=33,26.4+(h_k-32)*1,if(h_k<=34,27.4+(h_k-33)*0.7,if(h_k<=67,28.1,if(h_k<=69,28.1+(h_k-67)*0.1,if(h_k<=72,28.3+(h_k-69)*0.2,if(h_k<=73,28.9+(h_k-72)*0.3,if(h_k<=74,29.2+(h_k-73)*0.1,if(h_k<=78,29.3+(h_k-74)*0.2,if(h_k<=83,30.1+(h_k-78)*0.1,if(h_k<=93,30.6+(h_k-83)*0.04,if(h_k<=96,31,if(h_k<=99,31+(h_k-96)*0.066667,if(h_k<=104,31.2+(h_k-99)*0.02,if(h_k<=107,31.3+(h_k-104)*0.066667,if(h_k<=110,31.5,if(h_k<=113,31.5+(h_k-110)*0.066667,if(h_k<=116,31.7,31.7+(h_k-116)*0.055556))))))))))))))))))),1)
  
• h_flp = if(h_tr <= 1.5005, h_c1, if(h_tr <= 2.0005, h_c2, if(h_tr <= 2.5005, h_c3, if(h_tr <= 3.0005, h_c4, if(h_tr <= 3.5005, h_c5, if(h_tr <= 4.0005, h_c6, if(h_tr <= 4.5005, h_c7, if(h_tr <= 5.0005, h_c8, if(h_tr <= 5.5005, h_c9, if(h_tr <= 6.0005, h_c10, if(h_tr <= 6.5005, h_c11, h_c12)))))))))))
  
• h_bf = if(h_tr <= 2.0005, 1.05, if(h_tr <= 2.5005, 1.1, if(h_tr <= 3.0005, 1.15, if(h_tr <= 4.0005, 1.2, if(h_tr <= 4.5005, 1.25, if(h_tr <= 5.5005, 1.3, if(h_tr <= 6.0005, 1.35, 1.4)))))))
  
• h_ruimte = h_flp / 100 * h_ink / 12 - studie * h_bf - leningen
  
• h_r = h_tr / 100 / 12
  
• h_f = exp(360 * ln(1 + h_r))
  
• h_hyp_ink = if(h_ruimte <= 0, 0, if(h_r > 0, h_ruimte * (h_f - 1) / (h_r * h_f), h_ruimte * 360))
  
• h_extra = if(label == 'cd', 5000, if(label == 'ab', 10000, if(label == 'a1', 20000, if(label == 'a3', 25000, if(label == 'a4', 30000, if(label == 'a4g', 40000, 0))))))
  
• h_tot = if(h_hyp_ink > 0, h_hyp_ink + h_extra, 0)
  
• max_hyp = round(if(waarde > 0 && h_tot > waarde, waarde, h_tot), 0)
  Op basis van je inkomen, de toetsrente en de financieringslastpercentages 2026 (Tijdelijke regeling hypothecair krediet, bijlage 1), plus de extra ruimte voor het energielabel. Met een woningwaarde ingevuld is het maximum 100% daarvan.
• toetsrente = h_tr
  Bij 10 jaar of langer vast je eigen rente; korter: de AFM-toetsrente of je eigen rente als die hoger is.
• flp = h_flp
  Het deel van je bruto inkomen dat maximaal naar rente en aflossing mag (tabel 2026).
• maandruimte = round(if(h_ruimte > 0, h_ruimte, 0), 0)
  Wat je volgens de norm per maand bruto aan rente en aflossing mag betalen, na aftrek van studieschuld en andere leningen.
• h_rw = rente / 100 / 12
  
• h_fw = exp(360 * ln(1 + h_rw))
  
• maandlast = round(if(h_rw > 0, max_hyp * h_rw * h_fw / (h_fw - 1), max_hyp / 360), 0)
  De maandlast als je de maximale hypotheek annuïtair over 30 jaar afsluit tegen de rente die je bank biedt.
• h_tekort = if(waarde > h_tot, waarde - h_tot, 0)
  
• h_o1 = if(h_tekort <= 0, concat('Voldoet: je kunt de woning van ', concat('€ ', format(round(waarde,0), '0.#')), ' volledig financieren. Je leenruimte is ', concat('€ ', format(round(h_tot,0), '0.#')), '.'), if(h_tekort <= 0.1 * waarde, concat('Krap: je komt ', concat('€ ', format(round(h_tekort,0), '0.#')), ' tekort. Dat moet uit eigen geld komen.'), concat('Voldoet niet: je komt ', concat('€ ', format(round(h_tekort,0), '0.#')), ' tekort op een woning van ', concat('€ ', format(round(waarde,0), '0.#')), '.')))
  
• oordeel = if(h_ink <= 0, 'Vul je bruto jaarinkomen in om te zien hoeveel je kunt lenen.', if(h_ruimte <= 0, 'Voldoet niet: je studieschuld en andere leningen zijn hoger dan je leenruimte. Je kunt nu geen hypotheek krijgen.', if(waarde <= 0, concat('Indicatie: je kunt maximaal ongeveer ', concat('€ ', format(round(max_hyp,0), '0.#')), ' lenen bij een toetsinkomen van ', concat('€ ', format(round(h_ink,0), '0.#')), '.'), h_o1)))
  
• volgende = if(h_ink <= 0, 'Vul je inkomen in. Heb je nog geen vast inkomen, vraag dan een hypotheekadviseur wat er wel kan.', if(h_ruimte <= 0, 'Los eerst leningen af of verlaag je maandlasten en reken opnieuw. Vraag een hypotheekadviseur naar je opties.', if(h_tekort > 0, concat('Zorg voor ', concat('€ ', format(round(h_tekort,0), '0.#')), ' eigen geld of zoek een goedkopere woning. Reken daarna met Eigen geld nodig bij huis kopen uit hoeveel eigen geld je in totaal nodig hebt.'), 'Reken nu met Eigen geld nodig bij huis kopen uit hoeveel eigen geld je nodig hebt. Kosten koper leen je niet mee.')))
  

Berekening informatie

Op jouw website?

<script src="https://ikbenbint.nl/widget.js"
  data-berekening="maximale-hypotheek-berekenen">
</script>