Is een bouwkundige keuring aftrekbaar?

Navigating the financial intricacies of buying a home can be daunting, but understanding which costs are tax-deductible, like building inspections under certain conditions, can offer significant savings. Dive into this guide to uncover how strategic financial planning during your home purchase can ease your tax burden and set you on the right path for your new investment.

When you're in the process of buying a home, there's a lot to consider. It's a new step, an investment for the future, and a new chapter in your life. Besides these things, there are also a lot of costs involved. It's good to know which costs are deductible and which aren't. This can save you a lot of money! Below are a few points to consider. For example, is a building inspection deductible? A building inspection is deductible on your tax return if it's required by your mortgage lender. This is the case, for example, if you want to take out a mortgage with a National Mortgage Guarantee (NHG).

Waarom een bouwkundige keuring?

Buying a home is no small undertaking. During a Homekeur building inspection , everything in the home is thoroughly inspected, so you know exactly what to expect when you buy. You'll receive a clear overview of all findings, which we summarize in the building inspection report and supplement with our recommendations. Homekeur also meets the requirements set by the Dutch National Mortgage Guarantee (NHG), which is why our building inspection is tax-deductible.

Is a building inspection mandatory?

This isn't the case in every situation. In some situations, however, it is mandatory. These days, several mortgage lenders consider a valuation report alone insufficient. This is often the case for older homes. With a mandatory building inspection, the costs are always tax-deductible.

You can assume that the following points are mandatory:

The necessary renovation costs of the home amount to at least 10% of the sales value
Based on the valuation report, a building inspection is recommended

Construction technical inspection and valuation

A building inspection and appraisal are important steps when buying a home. A building inspection provides insight into the property's condition, including any defects and maintenance costs. An appraisal determines the property's market value, which is crucial for your mortgage application.

Costs and tax benefits

Building inspection costs are often deductible, as described above, but appraisal costs may also be deductible in some cases, such as when taking out a mortgage. It's wise to investigate this thoroughly beforehand.

The National Mortgage Guarantee

When purchasing a home with a National Mortgage Guarantee, a building inspection report is often required. In this case, the costs of a building inspection are deductible.

The conclusion

A building inspection is tax-deductible if the report is requested when purchasing, improving, or maintaining a home. In the vast majority of cases, the costs are therefore deductible. The fact that a building inspection is often deductible is therefore an additional reason to have one performed!

Would you like to make an appointment for a building inspection?

The cost of a building inspection (up to 250 m²) is only €489 including VAT. We'll conduct a comprehensive building inspection and you'll receive a building report. Do you have any questions? We're happy to help and can schedule an appointment with an expert inspector right away if you wish!

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