Frequently asked questions
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Are you interested in buying a holiday home in the Netherlands but still have questions? Then read our frequently asked questions. Is your question not listed? Then fill in the contact form or contact us by phone on 088 - 500 2444.
Financial
The conditions and opportunities to invest in a holiday home vary from one financial institution to another. To know the exact conditions, it is advisable to talk to a financial institution that can help you finance a holiday home. Another option is to finance the holiday home by using the surplus value of your current home. This financing option depends on the outstanding mortgage amount on your current home and its value. In addition, it is crucial that your income is sufficient to bear the extra burden. We will be happy to tell you more about the different financing options.
It is possible to take out a mortgage to buy a recreational home. However, financing a second home is trickier than financing a residential property. Read more about taking out a mortgage for a second home.
The tax aspects depend on the purposes of the holiday home:
- Holiday home for full own use;
- Holiday home for partial own use / partial rental;
- Holiday home for full rental.
At www.topparkenverkoop.nl/fiscale-aspect en , we will be happy to discuss the tax aspects of buying and owning a holiday home in more detail.
The income from renting out your holiday home is classified for income tax purposes in Box 3 as income from investments and savings. This income consists of a notional return that depends on the amount of your total assets.
The rate of the notional return is a minimum of 0.13% and a maximum of 5.60% (rates 2019). The notional return is calculated over the balance of the value of the holiday home and any other assets, less any loan taken out on the purchase of the holiday home and any other debts as at 1 January of any year. The tax rate in Box 3 is 36% (rate 2024).
With the rental income from a holiday home, you have to take into account VAT at the low rate on the rental income. VAT is given on rental income, which must be remitted to the tax authorities. The low VAT rate applies to holiday home rentals, which entails tax treatment of this income. It is important to be well aware of these tax obligations and seek advice from a tax advisor if necessary.
Have you bought a holiday home that you also make available (partially or fully) for rental? If so, you can reclaim part or all of theVAT you paid on the holiday home from the tax authorities.
You can reclaim the VAT that was calculated when you bought the holiday home if there is an exploitation of an asset to get income from it, according to the Tax Authorities. According to the Tax Office, there is entrepreneurship if the holiday home is rented out regularly. There is no minimum of 140 days of rental attached to this, as is often said.Learn more about tax issues.
Would you like more information on calculating the amount of VAT to be reclaimed? Our advisers will be happy to explain it to you. Feel free tocontact us .
The return on investment of a holiday home depends on several factors. For instance, holiday homes located in a popular area with many tourists attract more visitors. Moreover, the park facilities, the general appearance of the holiday park and the holiday home are essential for attracting holiday guests. The rental organisation also plays an important role: a party with a broad reach and a strong marketing strategy can help attract a larger and more diverse audience.
The market regularly advertises high returns from which various costs are deducted afterwards. At TopParken, net is really net; the return is communicated to you in a transparent way. So you know exactly what your net profit is. With a guaranteed net return, for example, you pay no park service charge, energy costs or maintenance costs. The only costs you have to pay from your return are the costs of insuring the property and municipal charges.
Schedule a no-obligation consultation appointment with one of our advisers or visit one of our information days. Our advisers will be happy to inform you.
With a variable return, returns are directly linked to market trends and the occupancy rate of the property. This means the return can fluctuate based on how well the property is rented out. An advantage of a variable return is the flexibility for owners to use the property for themselves without limitation when it is not rented out. Managing availability for rental and personal use requires sensible planning to ensure that returns are not adversely affected.
A realistic return depends on factors mentioned earlier on this page, such as location, park facilities and the rental organisation. Generally, a return of 5 to 7 per cent is considered realistic. This is an indication and can vary based on the performance of the holiday home, market demand and the management of the holiday home. It is important to consider these factors carefully when assessing the potential of an investment in the leisure market.
Het is mogelijk om op verschillende manieren te investeren in een vakantiewoning. Zo kunt u de vakantiewoning aanschaffen voor eigen gebruik, of met als doel om deze te kopen voor eigen gebruik en verhuur. Wij ontzorgen investeerders van A tot Z, van het realiseren tot een zo hoog mogelijke bezettingsgraad door onze marketingcampagnes tot de financiële afwikkeling. Via het eigenarenportaal heeft u inzicht in de verhuur, bezetting en financiële resultaten van uw vakantiewoning.
About our holiday flats
At TopParken we have different types of holiday homes on offer, optionally expandable with private wellness facilities and storage. You can find the full range here.
At TopParken, you can buy a holiday home including the land. So you not only become the owner of the holiday home, but also of the ground on which the holiday home stands. Of course, you are not obliged to buy the land; it is also possible to rent the land on which the holiday home stands or to acquire a long lease. Depending on your budget and your wishes, this can be fine-tuned with you in a personal conversation.
Investing in a holiday home at TopParken offers several advantages. First, you have the possibility of unlimited use of your holiday home, while also achieving an attractive return. Secondly, TopParken's holiday homes are situated in unique and attractive locations in the Netherlands, which increases the potential return. Moreover, TopParken collaborates with large, reputable parties for rental support, in addition to our own website. These collaborations increase the reach and visibility of your holiday home, which contributes to optimal occupancy and return. Read the advantages per type of purchase here .
When buying a holiday home, there are some crucial considerations to keep in mind. Start by asking "What is my reason for buying a holiday home and what do I hope to achieve with it?" A clear goal for buying your holiday home is essential. Once you have this goal in mind, there are several important aspects to consider. Read more about what to look out for when buying a holiday home here.
When you want to buy a holiday home, it is wise to know what steps to take to make it a success. Read all the steps in the purchase process here.
No, permanent occupation in a holiday home is not allowed, because a holiday home at TopParken is intended for recreational use. You do have the right to make unlimited recreational use of the holiday home. The distinction between recreational and permanent use is an important aspect of the regulations concerning holiday homes, intended to guarantee the recreational nature of the holiday park and the availability of homes for tourist purposes. Read more about permanent residence at TopParken here.
Owners of a holiday home may recreate at the holiday park all year round. However, they are not allowed to consider the holiday home as their main residence, as our holiday parks are registered with the municipality as recreational destinations.
As a buyer, you can choose from different inventory packages for your holiday home. These uniform packages are offered so that we can quickly replace furniture in case of any damage.
The size of the plots can vary between a size of around 200m2 to 800m2.
If you want to sell your holiday home, you must first offer it for sale at TopParken. As the seller, you are free to determine the asking price and the conditions of sale. TopParken will then have the first opportunity to respond to these conditions before the holiday home is offered to others.
Rental options
No, it is not possible to rent out your holiday home yourself. The rental of your holiday home goes through our rental organisation.
A growing number of people decide to purchase a holiday home and rent it out. At TopParken, you can choose to rent out your holiday home all year round or just part of it. You have the freedom to decide yourself when your holiday home is available for letting and when you want to use it yourself. The rental runs through our rental department, which takes care of the entire rental process for you, from check-in to cleaning. You are completely unburdened and can therefore profit from your investment at your leisure and without any worries. Of course, you can indicate yourself (online) when you release the property for rental and when you want to use it yourself. Read more about our rental organisation here.
No, of course you are not obliged to rent out the property. You decide whether you rent out the holiday home all year round, rent it out partially or even not rent it out at all. This is entirely up to you.
No, setting up a company is not necessary if you buy a holiday home for rental. As a private owner, you can apply for a VAT number and be registered as an 'entrepreneur without Chamber of Commerce registration'. This allows you to offset VAT in returns, usually quarterly, but also monthly or annually on request. However, you will have to comply with (limited) administrative obligations, which our specialists will be happy to tell you more about.
At TopParken, there is no limit to the period when you, as owner, make use of the holiday home yourself: use is unlimited. As an owner, you have complete freedom to decide how much and when you use the holiday home and whether you decide to rent it out. This flexibility allows you to enjoy your investment when it suits you, while also allowing you to generate income by renting out the property when you are not using it yourself.
Yes, at each holiday home there is always 1 parking space available for owners or tenants.
The holiday homes are equipped with all modern conveniences, including an excellent WiFi connection. In addition, all properties are fully connected to utilities such as gas, water and electricity (where applicable). This means that the properties are fully functional and ready to use, with the comfort and amenities you are used to from home.
Holiday park
At TopParken, we strive for optimal service, also for our owners. In order to provide this service optimally during your stay, you pay an annual park service contribution (also called park fee). This contribution entitles you to stay (certain periods) at the holiday park for recreational purposes and to use all available facilities, equivalent to the fee paid by other guests during their stay. The park service fee covers costs for maintenance of infrastructure, facilities and security on the park (think barriers/access gates).
The annual park service fee is indexed annually by the Central Bureau of Statistics (CBS), the costs may vary per project. Our advisers can calculate the park service contribution for you per project. Ask for more information or schedule a no-obligation consultation appointment.
Yes, as a holiday home owner, you and your (grand)children can use all facilities at the holiday park for free.
Other
We strongly recommend that you take out certain insurances to minimise financial risks. Although not all insurances are mandatory, it is wise to take out the following insurances:
- Property insurance: this insurance covers damage to the holiday home itself, caused by fire, storm or water, for example.
- Contents insurance: this insurance protects the contents of your holiday home, such as furniture, electronics and personal belongings against damage or loss caused by theft, fire or water, for example.
- Liability insurance: this insurance covers the financial risks if you are held liable for damage or injury to tenants or their belongings during their stay in your holiday home.
When entering into an agreement with TopParken for the purchase of a holiday home, various contracts apply. Initially, you put your signature to a purchase agreement, which formalises the purchase of the property, including the associated plot and any additional facilities. This contract lays down the terms of the purchase. You will also receive the general terms and conditions applicable to the holiday park, which set out matters such as the use of common facilities, maintenance and any park contributions. It also details the rates for the park, including any service charges or contributions to collective facilities. Together, these documents form the legal basis of your purchase and your relationship with TopParken.
Like many other recreational property providers, TopParken is required to place a statement saying 'You are investing outside AFM supervision'. In the Netherlands, it is a legal requirement to have an AFM licence if you offer investments. However, an AFM licence is not required if an exemption applies. That exemption applies, for example, to investment objects of more than €100,000. You can read more about this at www.topparkenverkoop.nl/afm.
No, you are not allowed to register with the municipality. Permanent occupation is not allowed at our holiday parks. This is due to the fact that all our holiday parks are registered with the municipality as recreational rather than residential.
There are quite a few misunderstandings about permanent residence. Being registered somewhere other than the holiday park does not mean that you automatically have your permanent residence there.
Example 1
You have a holiday home in the municipality of Ede and you rent a room from a friend or family member at an address in Wageningen, at which you are registered with that municipality. On paper, you live there, but in reality you live all or most of the year in your recreational house in Ede. Even then, according to the rules, your recreational house is your permanent place of residence or domicile. The other address is only a 'pseudo-address'.
Example 2
In summer, you live in your recreational house in the municipality of Ede. In winter, you interrupt this for a stay abroad. Even then there is permanent occupation of your holiday home. After all, you have not moved out, you are just taking a break. In the Netherlands, you formally continue to live at the address of your holiday home.
Costs-to-buyer (k.k.) means that the buyer pays not only the purchase price of the property, but also the additional costs such as notary fees and land registry fees. Freehold means that these costs are for the seller's account.
We welcome you to visit our holiday parks every day from 09.00 to 17.00 to view our holiday homes.
You certainly can. We will be happy to help you with all your questions, wishes and requirements and inform you about the possibilities of investing in a holiday home in the Netherlands. Make an appointment, or contact us on 088 500 24444 or verkoop@topparken.nl.