In 2022, you can take out an NHG-backed mortgage of up to  € 355,000 to purchase a home. This amount is called the maximum permitted financing cost and is based on the average price of a home in the Netherlands. As a result, the amount you spend on your home, plus any renovation costs, cannot exceed € 355,000 . If you are planning on investing in energy-efficiency measures for your home, the maximum permitted financing cost is  € 376,300 (106% of the home’s market value).