{"id":267,"date":"2026-10-02T06:48:34","date_gmt":"2026-10-02T06:48:34","guid":{"rendered":"https:\/\/borderlessadvice.com\/?post_type=ba_guide&#038;p=267"},"modified":"2026-10-02T06:48:34","modified_gmt":"2026-10-02T06:48:34","slug":"funda-kadaster-avm-property-value-netherlands","status":"publish","type":"ba_guide","link":"https:\/\/borderlessadvice.com\/?ba_guide=funda-kadaster-avm-property-value-netherlands","title":{"rendered":"Funda, Kadaster and AVMs: researching a Dutch home before you bid"},"content":{"rendered":"<p class=\"ba-lead wp-block-paragraph\">Do not use one number as \u201cthe value\u201d of a Dutch home. The asking price, an automated value estimate, WOZ value, recent transaction prices and the mortgage valuation answer different questions. Use several sources before bidding.<\/p>\n<h2 class=\"wp-block-heading\">Funda: start with the market<\/h2><p><a href=\"https:\/\/www.funda.nl\/\" target=\"_blank\" rel=\"noopener\">Funda<\/a> is the dominant Dutch property-search platform. Use it for current listings, asking prices, floor plans, energy labels and neighbourhood search. Its automated value indication can be a useful orientation point, but it is not a guarantee of sale price and is not a physical inspection.<\/p><!-- \/wp:post-content -->\n<!-- wp:heading --><h2>Kadaster: check registered and transaction information<\/h2><!-- \/wp:heading --><p><a href=\"https:\/\/www.kadaster.nl\/producten\/woning\" target=\"_blank\" rel=\"noopener\">Kadaster property products<\/a> can provide official cadastral and transaction information, including ownership\/property information, maps and previous sale-price information. Use registered data to complement \u2014 not replace \u2014 a viewing, valuation or building inspection.<\/p><!-- \/wp:paragraph -->\n<!-- wp:heading --><h2>What is an AVM?<\/h2><!-- \/wp:heading --><p>An <strong>Automated Valuation Model (AVM)<\/strong> estimates value from data and comparable properties. It can be fast and useful for orientation. Its reliability depends on the available data and how comparable the home is. An AVM is not the same as the asking price, WOZ value, a completed sale price or a full physical valuation.<\/p><!-- \/wp:paragraph -->\n<!-- wp:heading --><h2>Mortgage valuation<\/h2><!-- \/wp:heading --><p>A lender normally needs acceptable evidence of market value. Dutch rules generally cap a mortgage at 100% of the property&#8217;s value, subject also to the income-based borrowing limit. That means bidding above the appraised market value can create a cash gap even when your income would support a larger loan.<\/p><!-- \/wp:paragraph -->\n<!-- wp:heading --><h2>Useful research sequence<\/h2><!-- \/wp:heading --><ol><li>Search current supply on Funda.<\/li><li>Compare genuinely similar recent transactions and Kadaster information.<\/li><li>Check WOZ separately; do not mistake it for today&#8217;s guaranteed market value.<\/li><li>Use AVM estimates as an additional data point.<\/li><li>Investigate condition, VvE, erfpacht and restrictions.<\/li><li>Before mortgage completion, obtain the valuation your lender accepts.<\/li><\/ol><!-- \/wp:list -->","protected":false},"excerpt":{"rendered":"<p>How to combine Funda listings, Kadaster records, automated valuations and a lender valuation without confusing their different purposes.<\/p>\n","protected":false},"author":1,"featured_media":0,"template":"","ba_country":[2],"ba_topic":[291,98,292,280,290],"ba_audience":[15,16,17],"ba_section":[20,22],"ba_stage":[28,30],"ba_location":[],"class_list":["post-267","ba_guide","type-ba_guide","status-publish","hentry","ba_country-netherlands","ba_topic-avm","ba_topic-buying-a-home","ba_topic-funda","ba_topic-kadaster","ba_topic-property-valuation","ba_audience-eu-eea-swiss","ba_audience-non-eu","ba_audience-residents","ba_section-living","ba_section-money-costs","ba_stage-getting-established","ba_stage-living-stage"],"_links":{"self":[{"href":"https:\/\/borderlessadvice.com\/index.php?rest_route=\/wp\/v2\/ba_guide\/267","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/borderlessadvice.com\/index.php?rest_route=\/wp\/v2\/ba_guide"}],"about":[{"href":"https:\/\/borderlessadvice.com\/index.php?rest_route=\/wp\/v2\/types\/ba_guide"}],"author":[{"embeddable":true,"href":"https:\/\/borderlessadvice.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"version-history":[{"count":1,"href":"https:\/\/borderlessadvice.com\/index.php?rest_route=\/wp\/v2\/ba_guide\/267\/revisions"}],"predecessor-version":[{"id":268,"href":"https:\/\/borderlessadvice.com\/index.php?rest_route=\/wp\/v2\/ba_guide\/267\/revisions\/268"}],"wp:attachment":[{"href":"https:\/\/borderlessadvice.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=267"}],"wp:term":[{"taxonomy":"ba_country","embeddable":true,"href":"https:\/\/borderlessadvice.com\/index.php?rest_route=%2Fwp%2Fv2%2Fba_country&post=267"},{"taxonomy":"ba_topic","embeddable":true,"href":"https:\/\/borderlessadvice.com\/index.php?rest_route=%2Fwp%2Fv2%2Fba_topic&post=267"},{"taxonomy":"ba_audience","embeddable":true,"href":"https:\/\/borderlessadvice.com\/index.php?rest_route=%2Fwp%2Fv2%2Fba_audience&post=267"},{"taxonomy":"ba_section","embeddable":true,"href":"https:\/\/borderlessadvice.com\/index.php?rest_route=%2Fwp%2Fv2%2Fba_section&post=267"},{"taxonomy":"ba_stage","embeddable":true,"href":"https:\/\/borderlessadvice.com\/index.php?rest_route=%2Fwp%2Fv2%2Fba_stage&post=267"},{"taxonomy":"ba_location","embeddable":true,"href":"https:\/\/borderlessadvice.com\/index.php?rest_route=%2Fwp%2Fv2%2Fba_location&post=267"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}