Regulatory Alerts2025-02-26
AFM Consumer Monitor: Mortgage Owners Q4 2024
The Dutch Authority for the Financial Markets (AFM) published its Q4 2024 Consumer Monitor on Mortgage Owners, analyzing the behavior, attitudes, and financial situations of Dutch households with mortgages based on survey data from October 2024. The report reveals that while interest-free mortgages remain most common among older borrowers, annuity mortgages are increasingly prevalent among younger demographics, with median outstanding debt stabilizing around €165,000. Furthermore, the study highlights that approximately 40% of homeowners have a loan-to-value ratio above 50%, with significant interest in utilizing home equity for renovations, energy efficiency improvements, or bridging pension gaps.
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