A taxatierapport in the Netherlands is an appraisal report / property valuation. It's a comprehensive report that contains general property information, market value assessment, appraiser/valuer motivation, property photos, legal analysis, ownership type (freehold/leasehold), restrictions, zoning plans, energy label and sustainability features, and much more information.

Banks and mortgage lenders in the Netherlands require a validated report for buying a home with a mortgage, refinancing an existing mortgage, renovation financing (bouwdepot), interest rate adjustments based on property value (loan-to-value ratio). Reports must be NWWI-validated to be accepted by most Dutch financial institutions.

NWWI stands for Nederlands Woning Waarde Instituut – the Dutch Housing Value Institute. It's an independent body that validates property appraisal reports (taxatierapporten) in the Netherlands. A NWWI taxatierapport is a validated appraisal report of a residential property, used primarily for mortgage applications and refinancing. It ensures that the valuation is objective, reliable, and complies with Dutch regulations and standards.

Only certified appraisers (registered with NRVT – the Dutch Register of Real Estate Valuers) can submit reports to the NWWI for validation. The appraiser visits the property, does research, writes the report, and submits it to NWWI. We can directly provide this service for Amsterdam and the surrounding area. We can also manage this service for any property throughout the Netherlands via our established network of certified appraisers at no extra cost.

Typically, a valuation report is considered valid for 6 months by most banks, but this can vary depending on the lender.

The report is always in Dutch and you don't normally receive any explanations or guidance in English. It will mainly be explained as being compusory. It's an essential part of the mortgage application process in the Netherlands. If you're buying as a non-resident or with a non-Dutch mortgage provider, the NWWI report still helps demonstrate compliance with Dutch market practices.

Yes, you are free to select your own appraiser, but the appraiser must be certified and registered with the NRVT (Dutch Register of Real Estate Valuers) and affiliated with the NWWI. Many mortgage advisors or brokers may recommend an appraiser, but you're not obliged to use theirs. Just ensure the appraiser is NWWI-accredited.

The cost of an NWWI taxatierapport usually ranges from €500 to €800, depending on the property and location. Some variations apply if rental values or renovations are included. It's best to contact us to discuss your circumstances and we can then provide an accurate cost with a full explanation.

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