Property Value Surplus
Calculate the property surplus
There’s hidden money in the walls of your home! Find out how to unlock it.
Calculate surplusHow much is my home worth?
Check the current value of your property and discover how much you've already earned!
Calculate home valueHow to use the property surplus?
What is property value surplus?
The property value surplus is the difference between the current market value of your property and the remaining amount of your mortgage, taking into account any payments made so far. It is often referred to as the “money locked in the walls” of your home.
Most homeowners currently have a property surplus due to the significant increase in prices in recent years. You likely purchased your home when prices were lower than they are now. However, even if you bought it relatively recently, there is a good chance that your property has increased in value.
This surplus becomes available when you sell your property or choose to liquidate it.
Frequently Asked Questions:
Yes, of course! The bank will transfer the requested amount directly to your account.
You can use the surplus for any purpose, such as buying a new car or investing in renovations to improve the energy efficiency of your home. The bank may ask about the purpose of the funds, but this will not affect the decision to grant the surplus.
In most cases, yes. It is important to consult with an advisor to find out which expenses qualify for deductions and how to optimize tax benefits.
Using the surplus involves costs, such as a valuation fee (which can be done online), mortgage advice, and, in some cases, notarial fees if the current mortgage entry is too low. However, there is no need to use your own funds.
If you choose a surplus of €50,000, the monthly payment will be €225 gross.
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