The housing market is locked, house prices rise to record highs every month.
There is talk of a crisis and the biggest victims in it seem to be the starters.
In conversation with NU.nl, five brokers provide the best advice for newcomers to the housing market.
Real estate agents Randy Visser (Purmerend region), Michel van Hezel (Venlo region), Martijn Vosmar (Northeast Brabant region) and Robert Soffree (Rotterdam region) all notice how tight the housing market is at the moment.
"Consumers can choose from an average of 0.7 homes. A major problem", Van Hezel outlines the situation in his region.
Use a buying agent
All brokers unanimously agree on one advice: without a buying broker you can hardly get in the way.
Visser: "Your chances are greater and that is logical. The buying broker knows the market, has done his homework and knows the buyer's financial situation. The risk of problems with the seller at a later stage is much smaller."
Despite this, partly because of the costs, starters are reluctant to hire real estate agents, Van Hezel notes.
"Maybe that is something local, but I don't see many starters with a buying agent. It is certainly not cheap, but it can help you further in the negotiations and the offer. You can already eliminate the costs in the offer you make. . "
Keep looking and don't wait (too long)
The brokers also advise you to keep looking and buy if you can.
"The longer you wait, the more you will pay. The scarcity is great and interest rates are so low, prices are not going to drop anytime soon," says Visser.
In addition, there is positive news on the way.
The abolition of the transfer tax should give starters more financial leeway from January 2021 when buying a house.
Nevertheless, Visser is hesitant about this measure.
"With the money that starters will soon have left, they will overbid. This will increase the value of houses again."
Van Hezel does not agree.
"That is more the effect in the longer term. The housing market is a slow market."
"If you really don't manage to find a house, try to quit for six months. In that six months you can save and sort everything out for yourself."
Your chances increase if you can contribute a lot of your own money.
Vosmar sees starters in a dilemma on this point.
"As a tenant, it is difficult to save. That is also the curve; you go from an often expensive rental home to a cheaper owner-occupied home."
See also: Overheated housing market: sales price rises by double digits
Broaden your horizon
If you are unable to find a home in your familiar environment, Vosmar believes it is important to look further.
"Broaden your horizons, that's the only chance. The further you look from the city, the wider the market becomes."
"Or adjust your search criteria," says Soffree.
"Look at an apartment instead of terraced houses. These can also be very pleasant homes."
Are you desperate as a starter?
Then you have to think of creative solutions.
"Do not rent if buying is possible. Try as a couple to buy a house with another couple and share that house with the four of you," Visser suggests.
"Or invest the money left over from the transfer tax in solar panels, so that you have less costs later on", Vosmar suggests.
Van Hezel: "Don't be put off, even if you've got it wrong a few times. Keep talking to as many parties as possible and see what is possible. Maybe duo buy (you buy the house, another party the lease, ed.) an option. "