Banks for tax non-residents living in the Netherlands
Euro income, no conversion right — accessible for the pool of banks, though unlike Austria, documents and communication are not automatically in German. Olga Nikushkina has arranged more than 300 financings for tax non-residents since 2019.
Which banks finance tax non-residents living in the Netherlands?
Euro income, no conversion right — one of the more accessible tax non-resident constellations for the pool of banks. The conversion right under §503 BGB does not apply — the Netherlands uses the euro. Of the 650+ banks in reach, tax non-residents generally have a circle of 6–10 institutions — for the Netherlands the point above additionally decides which of them apply. Olga Nikushkina has arranged more than 300 financings for tax non-residents since 2019. This is not legal or tax advice.
What legally applies for residence in the Netherlands
The conversion right under §503 BGB does not apply — the Netherlands uses the euro. Income is typically paid in euro — details on the full constellation (loan-to-value, documents, currency discount) are on EU residence — all topics.
Frequently asked questions
Which banks finance tax non-residents living in the Netherlands?
Does the conversion right under §503 BGB apply for residence in the Netherlands?
What currency is my income paid in?
By country and topic
All banks for tax non-residents
Partner network, institution types, reach vs. brokerage.
All banks for tax non-residents →EU residence — all topics
Loan-to-value, documents, conditions for the Netherlands.
EU residence — all topics →Run the numbers and check funding
Calculate your budget
How much property is realistically financeable with your equity and income?
Calculate your budget →KfW funding
Usually excluded for a pure investment property from abroad — returning for owner-occupation often opens up regular KfW programmes.
KfW funding →State funding by federal state
Almost every federal state has its own development bank, often combinable with KfW.
State funding by federal state →Discuss your case
Non-binding initial consultation free of charge — the bank pays our fee.