About this video

• Video Title: Besparen Op Jouw Hypotheek: Zo Betaal Je MINDER Belasting!
• Channel: Thijs Verlangen
• Speakers: Thijs Verlangen
• Duration: 00:27:29

Overview

This video explains how to reduce your tax burden and build more wealth by strategically managing your mortgage. It delves into the Dutch tax system's "boxes," focusing on Box 1 (income from work and home ownership) and Box 3 (savings and investments), and details how mortgage interest deduction and other strategies can impact your tax liability.

Key takeaways

• Understanding Tax Boxes: The video clarifies the Dutch tax system, distinguishing between Box 1 (work and home ownership) and Box 3 (savings and investments), explaining how each is taxed and how mortgages fit into these categories.
• Eigenwoningforfait: It explains the "eigenwoningforfait" (imputed rental income for homeowners) and how it's taxed in Box 1, noting that most homeowners pay 0.35% of the WOZ value.
• Mortgage Interest Deduction: The video highlights the benefit of mortgage interest deduction in Box 1, which allows homeowners to deduct mortgage interest paid from their taxable income, thereby reducing their tax burden.
• Box 3 Strategies: It explores strategies for moving mortgage debt to Box 3 to reduce wealth tax, especially for those with significant assets, by converting annuity or linear mortgages to interest-only mortgages under certain conditions.
• Wet Hillen and Villa Tax: The video discusses "Wet Hillen" (a deduction for homeowners with little or no mortgage debt) and the "Villa Tax" (an increased "eigenwoningforfait" for high-value homes), explaining how these affect tax obligations.
• Loan-to-Value and Interest Rates: It details how the loan-to-value ratio can influence mortgage interest rates, and how reassessing property value through appraisals can potentially lower your interest rate.
• Refinancing and Overwaarde: The video explains how to strategically take out "overwaarde" (home equity) and the implications for interest rates and tax deductibility, suggesting that higher-interest debt should be kept in Box 1 (if deductible) and lower-interest debt could be moved to Box 3.

Yes, the video touches on this decision. While not giving a direct "yes" or "no" for every situation, it provides the framework to make that choice.

The speaker explains that if you have a mortgage with a low interest rate (like 2%) and you are considering paying it off, you should compare the guaranteed return of paying off the debt (saving the 2% interest) with the potential returns from investing in stocks. The speaker notes that "you can make better returns elsewhere, even in a savings account these days" (referring to the time of filming, April 2025).

The core advice is to consider whether the potential higher returns from investing outweigh the guaranteed savings from paying off a low-interest mortgage. The speaker also mentions that if the goal is to have more money in Box 3 (for wealth tax purposes), making lower-interest debt like this interest-only can be beneficial.