{"id":6061,"date":"2026-05-11T15:23:25","date_gmt":"2026-04-17T13:24:22","guid":{"rendered":"https:\/\/www.apeldoorn.nl\/college-van-b-en-w\/beleidsstukken-en-visies\/economie-ontwikkeling\/maximale-koop-en-huurprijzen-woningbouwsegmenten\/"},"modified":"2026-07-02T15:42:56","modified_gmt":"2026-07-02T13:42:56","slug":"maximale-koop-en-huurprijzen-woningbouwsegmenten","status":"publish","type":"page","link":"https:\/\/www.apeldoorn.nl\/en\/college-van-b-en-w\/beleidsstukken-en-visies\/economie-ontwikkeling\/maximale-koop-en-huurprijzen-woningbouwsegmenten\/","title":{"rendered":"Maximum purchase and rental prices for housing segments"},"content":{"rendered":"<div data-acfblock=\"Tekst\" class=\"section a section--green-lighter e-tekst\">\r\n\t<div class=\"container\">\r\n\t\t<div class=\"row justify-content-center elementOnTop\">\r\n\t\t\t<div class=\"col article-content__content-custom-1220 editor elementOnTop\">\r\n\t\t\t\t<h2>Clarity for developers\u00a0<\/h2>\r\n<p>By updating prices annually, we ensure that our price levels reflect the current situation on the housing market as closely as possible. This provides the best guarantees for delivering housing projects of sufficient quality and ensures the right value for money in new-build properties. We set maximum purchase and rental prices in order to guarantee, as far as possible, that new-build homes remain affordable for different income groups. By updating prices annually, we provide clarity to developers. This helps to ensure the smooth progress of housing construction.\u00a0<\/p>\n<h2>Municipal guiding principles\u00a0<\/h2>\n<p>We distinguish between four price segments for new-build homes:\u00a0\u00a0<\/p>\n<ol>\n<li>Affordable: suitable for those on low incomes (up to the social housing income threshold)<br \/><em>In 2026, this threshold will be \u20ac51,537 for a single-person household and \u20ac56,910 for a multi-person household (Ministry of VRO, 2025)<\/em><\/li>\n<li>Mid-range 1: affordable for those on incomes up to one and a half times the national average<a href=\"#_ftn2\"><br \/><\/a><em>In 2026, the median income is expected to be \u20ac48,000 (CPB, 2025). An income of one and a half times the median would therefore amount to \u20ac72,000 in 2026.<\/em><\/li>\n<li>Mid-range 2: affordable for those on incomes up to twice the national average<\/li>\n<li>Cost: affordable for high earners (from twice the median income)\u00a0<\/li>\n<\/ol>\n<p>For owner-occupied properties, we determine the maximum \u2018v.o.n.\u2019 prices based on the maximum mortgage repayment burden associated with the household\u2019s income. To do this, we use the mortgage repayment burden tables provided by NIBUD. These are used by mortgage lenders to assess applications and for the National Mortgage Guarantee (NHG).\u00a0<\/p>\n<ul>\n<li>We are assuming 100% financing. In practice, the range of financing options available to households will be much more varied. Some households have savings, and in many cases, those moving on from an owner-occupied property will be able to use the equity in their current home.\u00a0<\/li>\n<li>We are using an interest rate of 3.5% for 2026. This is currently a standard interest rate for a mortgage with NHG cover and a 10-year term, for a new-build property. By definition, new-build homes are highly energy-efficient, as they are legally required to meet BENG requirements for sustainable construction. They carry an A+++ energy rating. Many mortgage lenders offer a reduced interest rate for new-build homes.\u00a0\u00a0<\/li>\n<li>The general expectation is that interest rates will remain stable in 2026. Various mortgage providers indicate that they expect mortgage rates to remain stable in 2026, with perhaps a slight increase.<\/li>\n<li>Due to inflation in 2025, the NIBUD has tightened the mortgage affordability thresholds. This means that households with the same income will be able to borrow less in 2026. Rising prices mean they can spend a smaller proportion of their income on housing costs. This has led to limited increases in the limits for the \u2018affordable owner-occupied\u2019 and \u2018mid-range 1\u2019 owner-occupied segments.<\/li>\n<li>For highly energy-efficient homes and zero-on-the-meter homes (labelled A++++ and A++++ with guarantee respectively), NIBUD assumes that the sale price (excluding costs) may be \u20ac5,000 and \u20ac15,000 higher respectively than for an A+++ home. These homes have even lower energy consumption or no energy consumption at all. Consequently, there is greater scope for mortgage financing.\u00a0<\/li>\n<\/ul>\n<h2>Borders as defined by government policy\u00a0<\/h2>\n<p>Our local authority\u2019s policy-making freedom is limited, as the central government sets a number of limits that we must adhere to. This applies to:\u00a0<\/p>\n<ul>\n<li>Maximum basic rent for a social housing property: \u20ac932.93 per month\u00a0<\/li>\n<li>Maximum basic rent for a mid-priced rental property: \u20ac1,350.87 per month<br \/><em>Under the Affordable Rent Act, the mid-rent segment is defined as properties scoring between 144 and 186 points under the WWS (Housing Valuation System). The maximum rent for a property with 186 WWS points will be \u20ac1,228.07 from 1 January 2026. For new-build properties, the Act includes a surcharge of 10% for homes that will be occupied after 1 July 2024 and for which construction begins before 1 January 2028. The maximum rent for mid-priced new-build rental properties is therefore \u20ac1,350.87 per month.<\/em><\/li>\n<li>Maximum purchase price for a mid-priced owner-occupied property: \u20ac420,000 (costs payable by the buyer).\u00a0\u00a0<\/li>\n<\/ul>\n<p>Until 2022, the maximum VON price for a mid-priced owner-occupied property was the NHG cost limit. In 2023, this was frozen for affordability reasons and has been indexed annually since 2024. The maximum VON price for a mid-priced owner-occupied home is now referred to by the central government as the \u2018affordability threshold\u2019 In 2026, the NHG cost limit will be \u20ac470,000 and the affordability limit \u20ac420,000.<\/p>\n<h2>Maximum purchase and rental prices for 2026\u00a0<\/h2>\n<p>Based on the above principles, we arrive at the following prices:\u00a0<\/p>\n<h3>Maximum purchase and rental prices by segment as at 1 January 2026\u00a0<\/h3>\n<table class=\"standaard table table-bordered responsive\">\n<caption>\u00a0<\/caption>\n<thead>\n<tr>\n<th scope=\"col\">\n<p><strong>\u00a0<\/strong><\/p>\n<\/th>\n<th scope=\"col\">\n<p><strong>Cheap\u00a0<\/strong><\/p>\n<\/th>\n<th scope=\"col\">\n<p><strong>Medium-duration-1\u00a0<\/strong><\/p>\n<\/th>\n<th scope=\"col\">\n<p><strong>Medium-duration-2\u00a0<\/strong><\/p>\n<\/th>\n<th scope=\"col\">\n<p><strong>Duration\u00a0<\/strong><\/p>\n<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\n<p>maximum V.O.N. price\u00a0<\/p>\n<\/td>\n<td>\n<p>\u20ac265.000\u00a0<\/p>\n<\/td>\n<td>\n<p>\u20ac335.000\u00a0<\/p>\n<\/td>\n<td>\n<p>\u20ac420.000\u00a0<\/p>\n<\/td>\n<td>\n<p>over \u20ac420,000\u00a0<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>maximum basic rent\u00a0<\/p>\n<\/td>\n<td>\n<p>\u20ac932,93\u00a0<\/p>\n<\/td>\n<td>\n<p>\u20ac1.140,00\u00a0<\/p>\n<\/td>\n<td>\n<p>\u20ac1.350,87\u00a0<\/p>\n<\/td>\n<td>\n<p>over \u20ac1,350.87\u00a0<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul>\n<li>If a property has an A++++ rating or an A++++ rating with a guarantee, then the maximum sale price is \u20ac5,000 or \u20ac15,000 higher, respectively, than the sale prices set out above for properties that meet the statutory minimum BENG requirement for new-builds.<\/li>\n<li>The prices quoted do not include the purchase price or rental charge for a parking space.<\/li>\n<li>An affordable caravan pitch has a maximum price (excluding VAT) of \u20ac63,500 and has risen in line with the NHG cost threshold compared with 2025 (+4.4%).<\/li>\n<\/ul>\n<p>For comparison, the maximum purchase and rental prices in 2025 are set out below\u00a0<\/p>\n<table class=\"standaard table table-bordered responsive\">\n<caption>\u00a0<\/caption>\n<thead>\n<tr>\n<th scope=\"col\"><strong>\u00a0<\/strong><\/th>\n<th scope=\"col\">\n<p><strong>Cheap\u00a0<\/strong><\/p>\n<\/th>\n<th scope=\"col\">\n<p><strong>Medium-duration-1\u00a0<\/strong><\/p>\n<\/th>\n<th scope=\"col\">\n<p><strong>Medium-duration-2\u00a0<\/strong><\/p>\n<\/th>\n<th scope=\"col\">\n<p><strong>Duration\u00a0<\/strong><\/p>\n<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\n<p>maximum V.O.N. price\u00a0<\/p>\n<\/td>\n<td>\n<p>\u20ac260.000\u00a0<\/p>\n<\/td>\n<td>\n<p>\u20ac330.000\u00a0<\/p>\n<\/td>\n<td>\n<p>\u20ac405.000\u00a0<\/p>\n<\/td>\n<td>\n<p>over \u20ac405,000\u00a0<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>maximum basic rent\u00a0<\/p>\n<\/td>\n<td>\n<p>\u20ac900,07\u00a0<\/p>\n<\/td>\n<td>\n<p>\u20ac1.100,00\u00a0<\/p>\n<\/td>\n<td>\n<p>\u20ac1.303,30\u00a0<\/p>\n<\/td>\n<td>\n<p>over \u20ac1,303.30\u00a0<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>An affordable caravan pitch will have a maximum price (excluding VAT) of \u20ac61,000 in 2025.<\/p>\n\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n<\/div>","protected":false},"excerpt":{"rendered":"<p>De gemeente Apeldoorn wil zorgdragen voor nieuwbouw van woningen die betaalbaar zijn voor huishoudens met lage-, midden- en hoge inkomens.&hellip;<\/p>","protected":false},"author":13,"featured_media":0,"parent":5116,"menu_order":12,"comment_status":"closed","ping_status":"closed","template":"bestuur-standaard","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","ep_exclude_from_search":false,"footnotes":""},"categories":[],"tags":[],"folder":[],"class_list":["post-6061","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.9 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Maximale koop- en huurprijzen | Gemeente Apeldoorn<\/title>\n<meta name=\"description\" content=\"Bekijk de maximale koop- en huurprijzen per woningbouwsegment van gemeente Apeldoorn. 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