The sewer and water tax you pay is for cleaning the water that comes from the sewer and putting it back in the rivers It is also for cleaning the drinking water before it enters your house. You also pay a tax for your garbage and the maintenance of rivers, canals, streams and roads.

One thing to note is that average yearly income in the netherlands is only 38500 (24255 after taxes), so although it is cheaper to live here, salary is also low

The water thing : ALL tap water (this includes public drinking fountains) is drinkable in the Netherlands.

In Belgium for 2.500 euro a month you can rent a villa with 3 bedrooms and a large garden…

As someone living in the Netherlands i'm shook by the numbers they gave, 500 euros for groceries, my gosh. Although I live alone now and have enough groceries to live and eat comfortable with a budget of 150 euros a month, when my ex and i lived together it was like 300, and that was with fresh veggies, dietproducts etc included, also the rent surprised me, I lean more towards they got scammed, a normal apartment in Rotterdam city centre is around 1000-1500 euros a month (utitlites andtaxes excluded like they did as well). When you are low income you can get a apartment or even in some villages an entire home for 500 euros or less a month, on top on that you even can get assistence from the government to pay even less. Same counts for the mandatory health insurance, btw Highly, if you want even cheaper health insurance, go to our neighbours, Belgium, most only pay like 10-20 euros a month for that. Also internet (1 gbit/s fibre) can be cheaper, I received it with a bundle (with mobile) for as low as 25 euros. So I can see a lot of possibilities within their budget to get those bikes even next month, perhaps even e-bikes or a e-moped.

@linda3482

Жыл бұрын

Indeed also have combo abo from t- mobile. 43 euro for home internet and tv on an optimale fiber connection which is the fastest. 25 for unlimited internet +calling mobile. Groceries if you include caring products like shampoo, showergel ect I understand, especially now everything got more expensive..although..I also have two dogs and their food and snacks are included. For sure they didn't find all the discount options yet, but that is understandable considering they are new. The low income help for rent and health insurance will not be for them yet. It depends on the type of residents permit they have. Not every type give right to those benefits and only refugees get those rights direct from their first permit. And they will have to spend some money on learning Dutch and Dutch culture. We have a law that everyone from outside EU who wants to settle for a longer time in the Netherlands is forced to learn the language and general info on Dutch culture and laws. Sounds maybe like a hustle but really makes your life in the Netherlands a lott more conformable.

@dutchladylover

Жыл бұрын

They are not wrong about the rent prices. They have gone WAY up last few years! If you are already living in an appartment for a few years, yes you pay a lot less, but if you want an appartment now? Take it or leave it and pay what we're asking or (a lot) more because somebody else will! Groceries is a bit high. I don't know where they shop but I'm guessing they don't do all their groceryshopping at the Albert Heijn and farmers markets 😂

@clpprbrd

Жыл бұрын

@@linda3482 you can actually learn Dutch for free at the library :) but I know that’s just a thing you have to know as a foreign person coming here, but Duolingo is free to use tho and worldwide known, it’s just how much you want to spend :)

@clpprbrd

Жыл бұрын

@@dutchladylover de prijzen zijn gebaseerd op een verhuursite met als criteria een appartement in het centrum van Rotterdam, het meeste zit daarin, je hebt uitschieters, maar kwestie van goed zoeken, al blijft dat lastig. Heb zelf in Tilburg ook bij een huisjesmelker gezeten toen ik op kamers was

@hellen__1

Жыл бұрын

Your right. Im Dutch and live in belgium. I pay about 195 € in a year. And every time i do go to the Docter i pay 10€.

About the energy cost. They spread it over the whole year, so that you pay the same amount each month. Particularly with the high gas prices, if you had to pay the actual usage for heating your house directly for each month in the wintertime instead of spreading that over the whole year, the bill would get too high for many people. So making an estimate of the yearly usage and spreading the cost over the whole year is a better system for most people.

@mlohr1

Жыл бұрын

Half of the energy costs is taxes, I have fled NL too

@MacXpert74

Жыл бұрын

@@mlohr1 Yeah, it's insane!

@kolonelfranz31

Жыл бұрын

Gentlemen, I humbly disagree. First of all, the tax system provides the Dutch with countless advantages. We've got the best infra structure in the world, so everyone with a brain who uses a car should understand the costs of our facilities that everybody uses are made possible from tax incomes. And about gas and electricity taxes; I quite agree with our system. First of all we are the most dense populated country on the western hemisphere, so pollution in the air and CO2 levels are relevant. So especially in the west of the netherlands (where public transportation is better than in any country) the rise in gasoline prices and gas prices is exactly the best way to make people aware that there are alternatives for using cars and the use of heating and electricity in the way we used to. I agree with the simple reason; the polluter has to pay for the pollution. I know, for expats it might be weird, but get yourself a bike and use trains. If you want to park your car in Amsterdam, it will cost you €11 an hour, and in the inner-city even with a maximum of 2 hours. Sorry for the harsh truth, but to me it sounds like a great way to get rid of all those fucking cars.. Trains are cheaper and more efficient to go from A to B. But one warning; only the Dutch can ride a bike while being totally drunk, so call an Uber if intoxicated, just for your own safety...

@mlohr1

Жыл бұрын

@@kolonelfranz31then we agree to disagree

@pietersbart

Жыл бұрын

A missing aspect, is that once a year they balance what you have paid in advances against what you actually have used. If you have used more than estimated, you need to pay extra or, in the reverse case, you get a restitution. So in the end you pay for what you used, but you pay an advance each month.

One thing I think that should be mentioned, is that owning and driving a car in the Netherlands is much more expensive than most other places. Gas (fuel) prices are also very high here. And when you buy a car, you have to pay a lot of tax (BPM and BTW) on top of the actual price of the car.

@Sayhoun

Жыл бұрын

Its cheaper than USA parking spot to rent can easily $400 - 600, than insurance, maintenance cost, the only cheap thing is fuel. Als wij hier iets van 250 zouden nodig hebben aan een auto is dat daar minstens 3 keer zoveel. Echt gestoord.

@eddavanleemputten9232

Жыл бұрын

Then again, a lot of people in the Netherlands (and other European countries) don’t even feel they need a car because the cities are organised very differently. You can get to your doctor, pharmacy, dentist, lawyer, supermarkets, school etc either on foor/by bicycle, or via public transportation that compared to the US, is organised very well. Friends of mine are horrified at the very thought of taking the train or bus. In most European cities, it’s normal, easy and affordable.

@MacXpert74

Жыл бұрын

@@Sayhoun Renting a parking space would be something that could be expensive in the Netherlands too. But it’s not a ‘standard’ cost of owning a vehicle as it only applies to certain place where you live. In general owning and driving a car is more expensive in the Netherlands. According to the site “MylifeElswhere”, transportation is 63% more expensive in the Netherlands. Also of interest and different from what the people in this video say, living in the Netherlands overall is about 7% more expensive than living in the US, according to their calculations. But of course it can be very different for your situation depending on the place you live and your lifestyle if it’s more or less expensive to live here.

@bentels5340

Жыл бұрын

​@@MacXpert74 I was about to say, 63% more compared to what? You are correct, it depends very heavily on what you are comparing and which places. I actually don't doubt that TCO for a car is higher here than in the US -- under the assumption that use is the same as well. And there's the rub. *Transportation* has a different meaning in the US than it does here; out public transportation is more extensive and more useful, so we aren't as car-dependent as the US. So car ownership may be more expensive here on a comparable-use basis, but we don't need cars as much or as often as the US does.

@Pasunsoprano

Жыл бұрын

Taxes depend on the type and size of the car. Driving a small car is not that expensive. Also in smaller cities and suburbs parking is free.

If you were to rent a normal 3 or 4 bedroom house in a smaller city (house, not appartement..so with a garden) rent or morgage would be around 1250 per month.. 2350 is just crazy

Rent is insane,as Dutch.. one who comes home each month with 2300 euro netto has a good income... when buying, mortgage is cheaper in ech month..specially when indeed looking outside Randstad ( both Hollands and Utrecht) North East in Groningen prices are more realisticly affordable, though in City Groningen things get more expensive aswell.. But when going more East in Groningen, one can do groceries in Germany, where many things are more cheaper, often gasprices, Groningen city is the worlds bike capital, so, no problems there :)

I also live in Rotterdam and I agree with the prices of everything except the groceries and the rent. You can make the groceries as expensive as you want, but with 400 euros you can already do a lot. For rent we pay like 1300 and that is in a two year old and really energy efficient apartment. 2300 seems way too much.

@Lilygirl283

Жыл бұрын

I think they shop in Albert Heijn, that shop is way more expensive...

@Sayhoun

Жыл бұрын

yeah, 2300 is way to high. Normal base rent excluding utilities is about 1.100 - 1.600 in Rotterdam, Hague, Amsterdam, Utrecht. Depending on the location, size etc.

@dutchgamer842

Жыл бұрын

​@@Lilygirl283 Albert Heijn isn't expensive at all. Only SPAR and COOP (which will be gone in NL). Albert Heijn, Jumbo and Plus are average price.

@Silverwing28

Жыл бұрын

They did mentioned they got screwed over with the appartment (sounds like they live in a fairly luxury appartment), because they were in high need of a place.

@Jurjen_Warrel_Ottenhoff

Жыл бұрын

​@@dutchgamer842 then compare the prices to Lidl or Aldi. AH is expensive. We usually go to the Lidl for everything and get some prefereed brand items from AH. This wil save you a lot. And I assume Rotterdam is comparable to Groningen in most likely having both supermarkets within 5 min. by bicycle, where ever you live in the city.

As someone living in Belgium, hearing that 300 something for health insurance still sounds expensive. I pay 10 bucks a month in Belgium.

@Treinbouwer

5 ай бұрын

Er is een reden voor de vele belastingontvluchtende Nederlanders in België.😂

On of our previous houses had a former owner with severe Arthritis so she kept the heating up really high, 24/7/365. When we moved in the energy company we were charged the previous owner's monthly payment for the first year. After the second year the payments were lowered some but in our opnion not enough. Eventually we switched companies and that's when the bill went down seriously. I love to watch these video's of people coming from another country for a visit or to live in the Netherlands. It really gives you a different perspective on things.

Health insurance has a "own risk" that you have to pay first if some medical thing is needed. €385,- (only once a year) i believe. Everything after that is covered if you're insured for it. Also the €2,350 rent is insane.. common houses are about 600-700 a month. Depends on where you live of course. €2.350 is impossible to pay for most people as a lot of people don't even earn that a month. It would even be hard with 2 working people.

@Calyndo

Жыл бұрын

Agreed. That monthly rent is way too much. Renting generally costs about 1000€, or can be less depending on the market you're in and what you earn (with option on government assistance (subsidie) and such). No Dutch person pays 2350€ rent a month unless they're living large and earning big sums of money.

@Treinbouwer

5 ай бұрын

Tot €700 is sociale huur. Daar komen ze waarschijnlijk niet voor in aanmerking. Waarschijnlijk is hun loon te hoog en in Rotterdam zal het een ellen lange wachtlijst zijn. Bij ons buiten de randstad is €1000 normaal, dus voor à la minute en kant en klaar in Rotterdam, is €2300 niet heel bijzonder vrees ik.

Don't forget to mention that the Dutch healthcare system also covers: Free ambulance service in case of emergency. Free hospital service. Free GP visit. And (almost) all necessary medication (on prescription from a GP, hospital and some other medical centres) is free or almost free (in any case way much cheaper than medication in the U.S.)

Also, take out extra insurance when you travel to the States: the regular health insurance pays out up to 200% of medical expenses abroad, compared to the cost in the Netherlands. You can do that through a travel insurance.

The money for rent they pay is really crazy high, but it is a difficult time now. In general buying will be a lot cheaper in the long run. Especially because rent goes up every year and the mortgage you can set for 10 years. Bought my house about 12 years ago , three bedrooms with garden close to centrum of Nijmegen, a city with about 180.000 inhabitants and with extra house insurances only pay about 700 euro per month. Nijmegen is not Rotterdam but is still very popular, and by now the house would cost about double, but still it would be maybe 1200 euro so 2300 is really top segment renting. If this is cheaper than US....?.!? I symply lost for words

@Sayhoun

Жыл бұрын

Depends on the house taxation value Calcasa quick taxation not usable for bank is about €30 90% of its estimated value is high probable value of a property. A 300k apartment with 4~5% mortgage with NHG is about before tax 1600, after tax refund about 1200 (annuïteitenhypotheek) excluding municipality tax and utilities, and flat ownership fees. A house in metropolitan area/randstad, is probably not a viable option. But yeah, still way cheaper than whatever they are renting.

That rent is insane. Most people don't even urn that monthly. 😢

Groceries 500 a month for 2? Wow thats much

@snizzol

Жыл бұрын

Inderdaad, dat hoeft niet zoveel te zijn, en mijn mobiel kost mij 12 euro per maand.

@s1351-null

Жыл бұрын

@@snizzol Echt hoor, en 2350/maand aan huur!? Ga in Ommoord wonen ofzo heb je hetzelfde voor 900-1100 per maand en metrostation vlakbij

@Basic190

Жыл бұрын

Ik woon tegen het centrum aan en betaal €700. Dus het kan. Zij huren vast particulier.

@Mr_Scav

Жыл бұрын

Valt mee hoor, dat zijn wij ook ongeveer kwijt voor twee personen. Rond de 100-120 euro per week. Wel minder dan de helft (1100 euro) aan hypotheek. ;)

@krakeeltje73

Жыл бұрын

Is echt niet veel hoor , hier ook 120 per week voor 2 personen voeding , en soms nog meer

If you earn under a certain amount a year, you also get healthcare allowance. As a student, I took the most basic healthcare plan and actually had about €40 a month left over from this allowance. Very nice for a beer budget ;)

I'm employed as an IT guy in a pretty big, non university hospital. When you're living alone and working on a less then 3000 euro (after tax) the picture quickly changes. I live in a rental, where rent has just increased to around 650 euro. Considering this all, knowing I'm still on the higher end of average, the picture kind of changes to what expats with their in generally well above average dutch income experience

The taxes are misleading. You pay taxes on absolutely everything in the Netherlands. You're taxed on your income, then you're taxed on the things you buy, you're taxed on your bills, you're taxed on big gifts, an inheritance and so so so much more. €2.350,- per month for rent is absolutely insane. A short while ago, anything over €1.000,- outside of Amsterdam was quite rare. We pay €710,- for our two bedroom appartment.

@2:30 : We pay upfront for what we're going to use. So we don't pay afterwards. That's why they have to estimate what you're going to need. That's how it works here so they can make sure you can pay it i guess.

The estimated use is only in the first year, when they know what you really use they adjust the monthly amount to what you really use. They pay a lot for rent since they live in one of the most expensive parts of Rotterdam (Kop van Zuid area).

So, the cost of living here in The Netherlands work a bit different than in any other nation, even in Europe. Our system seems incredibly complicated at times, but it's actually very "user-friendly". Basically, the government handles most of the difficult paperwork, you just have to check it. I just want to share my views on our system and the costs of living here, because I feel like there is so much more to it. It's a bit of a long story, but I hope it's comprehensible enough... The most difficult topic we have to deal with in The Netherlands is healthcare. For your health insurance, the most important thing you have to check is whether or not your insurance company covers treatment in nearby hospitals. If that is the case, you get no bills for your hospital visit. An exception to this is the costs for the "eigen risico", a yearly cap of personal contribution to your own healthcare maxed at 385 euros per year, but which also includes everything else like prescription drugs and ambulance/ER costs. If your insurance company does not have a contract with the closest hospital, you pay a maximum of 25% of the total healthcare costs (which CAN go up to the thousands of euros, so you definitely want to check that). However, most insurance companies here have contracts with ALL hospitals in our country. Visits to a general practitioner (huisarts) are always free, so if you are unsure, go to the GP's office first. You are obliged to have a health insurance and have to be signed up at a GP's office (which is also free) within 10 kilometers from your home address too btw. Some healthcare services are not included in the minimum health package (like dental care and physiotherapy), but basically any treatment you need to stay healthy is covered. Children are always insured for *everything* (including dental care) up until their 18th birthday, which is covered by the insurance plan of their parents. After that, they have to get their own insurance plan. This insurance costs you about 150 euros per person, each month. A lot of other payments and insurances go through your employer. You pay for your retirement, worker's insurance, income tax and all that stuff through your employment. If you are unemployed, you pay for this with your social security, and it is all pre-calculated. You also get extra "vacation money" each year, which you saved up with your yearly salary. 20 yearly paid vacation days (not including national holidays) are also a requirement by law, although most employers give you more than that. Sick days are not a thing. If you are sick, you are sick and you should stay at home. These costs are being withheld from your monthly payment, so it feels like it's completely for free. A few other insurances you want to have are the contents insurance (for your home in case of disasters), death insurance (to cover the costs of your funeral), and some other minor property insurances (like car or bike insurances), depending on your personal situation. This totals at around 50-100 euros each month. Then there are the yearly taxes. You have your tax return forms (which are mostly filled out for you btw), and you have your city taxes (which includes sewer tax, waste disposal, city maintenance, water management, etc etc). The city taxes vary from city to city, but the cost in most cities average out at around 400-500 euros each year (all combined in 1 bill). Your tax returns are completely dependent on your own personal living situation, and can be very beneficial or very costly, which mostly depends on how well your employer manages your income tax, and your housing situation (although there are some other costs and benefits, like education or uninsured healthcare that can play a role). Transport is incomparable to any other nation, because in the cities, we do almost everything by bike, public transit or on foot. Personally, I pay around 200 euros each year for public transport, and around 100 euros each year for my bicycle, nothing else. No costs for a car or gasoline or taxes on it whatsoever. However, some people, mostly in the countryside, are dependent on their cars, and those costs can average out at around 400-500 euros per month, depending on your usage. Food is a bit of an oddball here. You CAN buy some stuff really cheap (even very healthy too), and we have a farmer's market in nearly every town and city each week where you can even haggle for the price, but averaging it out at 500 euros for a two-person household seems about right. Personally, I have had some difficult times in the past, and I've been able to make it through the month with around 100 euros (1 person household), but currently I am earning enough that I don't have to worry about my food costs, and I probably average out at around 400 euros each month for my groceries (still a 1 person household), while I still get the feeling I'm not really going full luxury. However, the total costs for food for a 1-person household and a 2-person household really don't differ that much... Costs for media and electronics (like cell phones, internet, TV, Netflix subscriptions, etc.) probably average out at around 150-200 euros each month here. This really depends on your personal preferences ofc, but more than 200 euros per person in a single household is very rare. Payments for your house greatly vary depending on your location. In Amsterdam you can pay up to 1500 euros a month for a studio of approx. 35 m2, where in the outskirts of the country this could get you a full-fledged detached house with a garden the size of a football field. Another issue for rental apartments is that you usually have an income requirement where you need to earn at least 4x the rent as your salary (before taxes). So the 1500 euros studio would mean you would have to earn 6000 euros each month to be able to rent it. We do have a major housing crisis right now, so it is very difficult to actually find something suitable in any city. The average salary in The Netherlands is around 3800 euros (before taxes) each month, which should be more than enough to cover all your expenses. I completely average out on my salary, and I really feel like I have no issues with any payments whatsoever. My only problem right now is finding proper housing. This is kind of my take on the situation here in The Netherlands right now, hope it helps some people in the future!

@arianamuller8057

Жыл бұрын

Lekker kort verhaal! Ben maar gestopt met lezen! 🤣

I lived in Rotterdam (Kralingen) for $500 a month in a 4 bedroom apartment. That being said, we did score it as a deal because the the whole complex was on the list to be demolished so they basically just rented it out to ensure it wouldn't get occupied by drifters, the downside being that you'd agree to move out when the time would come to knock it all down. We moved in at 2001, now in 2023 the whole complex is still up and the rent never went up, hahaha.

@dutchladylover

Жыл бұрын

I think they live somewhere a lot closer to the center. And those appartments are way more expensive. If you see what the rent is they dare to ask for an appartment above the Markthal.... 😱

The reason for estimating the costs is because the usage difference between the summer months and winter is rather huge. So estimating it ahead allows you to pay an average price per month, otherwise in the summer you’d pay very little for heating/gas/electric and in the winter you’d pay 3,4 even 5 times as much.

I live a 15 min. train ride outside of Groningen, the 6th biggest city in the Netherlands. We pay around €700 for the 3 bedroom house we bought. And rental prices are about the same for houses like it. We actually went to the same house, blueprint wise, on the outer edge of the city and the asking price was 10% more.

@quatra1000

6 ай бұрын

Yes, for some strange reason foreigners think that The Netherlands is Amsterdam, Rotterdam and Utrecht. Unfortunately those cities are also university cities and that doesn't help. Now this guy is independent and can work and live whereever he wants, but no, they stick to Rotterdam.

@rhizopus683

5 ай бұрын

Yea but lets be honest nobody and even dutch people dont want to live in Groningen. Not to mention the ongoing earthquakes that are happening there doesnt make it a desirable place to live.

Pay real estate tax (OZB) for your home Do you have a (holiday) house or apartment in the Netherlands? Then you pay annual property tax (OZB). Your municipality determines the rate. Tenants do not pay OZB. In principle, a tenant of a home does not pay property tax, because the property tax in the form of property tax is for the account of the landlord. However, it is possible that the landlord indirectly passes on the OZB in the rent. Therefore, always ask the landlord which costs are included in the rental price. A landlord simply sees that as a cost. There is always a part of maintenance costs in your total rent. A landlord often raises the property as an investment and thus wants to "profit" a certain return.

Regarding the health insurance, there is a difference if you're self employed or if you're working for a boss or living of a pension. So if you are an employer or pensioner you pay a tax of approx 5.5% of your gross income to start with. Than you have to choose a health insurance company (mandatory!) which are privately operated corporations. It's a competitive market so it pays off to shop around. So In my case I pay a little less that 145 euros a month. Then there is a mandatory deductible excess of 385 euros a year which takes effect as soon as you start using healthcare (the G.P. not included). In return you are covered for anything that life can throw at you. Without a few exceptions all prescription medication is free, any type of specialist care, surgery, bloodwork, cancer treatments, etc. it's all covered. Since I'm chronically ill I always forfeit my deductible excess. To summarize: My monthly costs (including the 5.5% health tax plus the deductible excess) are 274 euros.

He pays a lot for bookkeeping. If you have a business you have to have bookkeeping. You don’t have to hire someone to do this for you. It isn’t difficult to do it yourself and you can buy a bookkeeping package for just a bit more than €10 per month. With fully integrated billing etc.

they live in the wrong city i pay around the 500 euros a month in rent here

@MaxwellEindhoven

Жыл бұрын

When you have a small wage or income, you can rent social housing. That's probably why your rent is so low. You don't make a lot of money.

@00wheelie00

Жыл бұрын

I've had to do the calculation a few times with job offers in tne US. Amsterdam versus New York, San Francisco, Los Angeles and Atlanta ... with the same amenities the US always left me with less disposable income despitea much higher base salary. Of course rural US would be cheaper, but there are no jobs for me there. And as Dutch Linux is alluding to, rural Netherlands is much cheaper too!

@Michael-ri9ve

Жыл бұрын

@@00wheelie00 it is not

@00wheelie00

Жыл бұрын

@@Michael-ri9ve What is not? Rural US is not cheaper than a US city? Or US cities not more expensive than a Dutch city? Because I can assure you both are true. I can of course have more disposable income in the US, but I'd have to live in a terribly bad and small apartment worse than I have in the Netherlands and I'd have to accept terrible life insurance. I'd pay double for half the internet speed and with 3 of the offers 5 times as much for a mobile phone plan as a work phone wasn't included or limited to business use only. A lot of things included in our taxes are seperate spending in the US, but to make a fair comparison you have to include the cost. And lastly, what everyone seems to always forget: retirement benefits in the Netherlands are much much better than in the US and unconditional, not with conditional vesting and not conditional on full time work. To get the same level in the US lowers disposable income even further. And lets not mention the value of the unemploment and disability benefits if things go wrong, or the fact that sick days in the Netherlands are as many as the days I'm actually sick. None of which I would be able to match in the US no matter how much money I wishnto spend.

@Michael-ri9ve

Жыл бұрын

@@00wheelie00 Houses in Rural (look at the size of my country and put rural in perspective) area are just as expensive as in cities.

For energy we pay a monthly amount in advance, at the end of one year the energy company pays back anything you might have payed too much, or you have to pay an extra amount if the monthly advance payment was calculated too low.

I am always in shock when i see the rental prices expats pay for residence here , I live in Amsterdam 2 room appartment with garden for 380 euro's/month but that's the social housing market that cannot be used by non residents. And even if you can get on it, the waiting list is 20-30 years unless you have no home or being handicapped and the like. Btw your rent is crazy high even for Dutch standards. If you take your time and look outside major cities you will find something like this for around 1000-1500. That's really going to be fun on your spendable budget.

@Lillith.

Жыл бұрын

I wish I could rent for that little. Prices have gone way up. I have to be out by the end of the year and social housing is ~€800 for just me.

@randar1969

14 күн бұрын

@@Lillith. I took the liberty to not mention the wellfare grands part you get from the government the price without 'huursubsidie' would be + 140 euros..And i live here already for 25 years. That helps a lot. I guess new residents would pay a lot more, healthcare have grands too if you can't afford it.. my bill is a bit over 200 euro's for a better then minimum one government gives me 120 back..

Some important thing about the health insurance. For the (mandatory) basic health insurance there are 2 parts that must be paid. One part is the part you pay yourself to the insurance company you selected. The other part is paid (to the government) by your employer, and is 6,68% of your gross income.

@clifffan3

Жыл бұрын

we pay 800 for a pretty new 2 bedroom appartment

@ralfvandeven3155

Жыл бұрын

Also when you have a low income the government will subsidize health insurance,. You can get upto €154 a month "zorgtoeslag" if your income is below €38520 a year (before taxes). Also rent can be subsidized when you have a low income and your rent is €808 a month or less. Depending on your income the rent except for €235 basic rent you have to pay yourself could be subsidized with "huurtoeslag". There is also compensation for the current high energy prices both on country level and municipality level which could be upto over €100 a month combined.

If you're technically skilled, come on a "skilled worker visa" arranged by a large tech company. Expats who come this way pay 30% less taxes the first few years, so you'll be able to buy a house as a tech-employed expat in no time.

Ford Mustang GT US. $25.000,- NL € 115.000,- That’s my benchmark

@Raysboss302

Жыл бұрын

Don’t crash and get hospitalized. That’s another story.

@macten6819

Жыл бұрын

Nothing strange there. US brands get taxed hard when imported unless they are built on EU soil. This is a countermeasure to US law which prohibits importing of cars unless built there or 25+ years old. Add BPM tax on top of that and you have your 115k.

The way I look at it, the living costs are lower in the Netherlands and for an average household it is a better deal. However, in the USA the salaries are extreme in both directions. Meaning if you have a low income then you're in survival mode and the Netherlands would be a much better option. But if your income is above average then it goes up much quicker in the USA compared to the Netherlands. So any high paid worker would easily earn up to double of what they would earn in the Netherlands for the same job. So that makes up for the 30% household expense difference and then some. That's why you hear Dutchies that moved to the USA speak highly of living there. They're almost always high paid workers with good insurance through their companies.

They are doing things wrong! I pay for utilities about €5.- for electricity because I'm very conscious about saving energy, €85.- for heating to a different company that Owns equipment which is about 85-90% for just that, cooling for free and warm water for about 10-15% €16.66 for water delivery itself. Heating I dont use at all because I have an upstairs neighbor who's using his floor heating a lot and I like my house on about 16°C (61°F). I don't pay taxes other than €98.92 for sewage (€8.116/month). But I do receive about €500.- in tax return annually (€40.625/month), and I don't pay city tax. I do pay €197.- in health insurance minus €155.- in subsidies so just €42.-/month. Because I'm wheelchair bound, I pay nothing for transit within my city of the Hague and hospital visits to wherever. If I choose to travel outside the city and for pleasure, I can make use of a cab for only €0.20/kilometer. For train and tram I pay the full amount until I'm 65. Than the tram will be free. Because I refuse to pay for internet twice, I don't use any cable, glassfiber or landline. I'm using internet via my mobile phone by sharing it via hotspot and two modems. I have a higher speed than the medium internet connection of the 3 major providers, About 1Gb/s (theoretically over 4Gb/s but my modems can't handle that, neither my television and computer). I do pay for my mobile phone just over €65.- but, unlimited calls, text and unlimited 5G internet. By the end of the year, I will only pay for the sim card about €15.- because the phone will be paid off. Per month I use about €300,- for groceries, not counting restaurants, clothing and other miscellaneous purchases. For rent I'm paying €713.- minus €353.- in subsidies, so €360.-/month. Furthermore I get extra subsidies of about €40.-/month. So without subsidies I have to pay close to €1400.-/month for a two bedroom apartment. With €590.- in subsidies and tax returns taken of, it would be around €810.-/month. One thing I forgot... I do do pay an extra insurance of €15.-/month, that will cover all damages I accidentally cause to others and damages to most of what I own myself. And also cover all damages cause by theft, fire, etc. At home and on me while outside of my home.

You do need a car when you live in a small village! There are busses and here and there a train, but nothing like in the bigger city's. Some small village don't have anything. Most of them do have busses but only once on hour and not in the late hours. (so you really have to plan your trip well). After nine or ten, you won't come home by bus. 😊 Then you have to walk... In my case almost 20 km from a small city when I was still living at my parents.. Or almost 40 when I wanted to go to the cinema and we mist a train !😅

What I usually find in these kinds of cost implements is that it focusses solely on the amount of money going OUT. I have found however that income in the Netherlands is not 1-on-1 comparible. So in your reaction you're probably looking at your US income of money, and looking at the dutch costs of living for a comparison. Which is a bit skewed. The non-mentioned factors also make a notable contribution to the cost of living, so that's kind of an oversight in the video. Then again, they're tossing shopping prices around that I would NOT pay. Usually you can shop a lot more economically, unless you go for specific brands and leave similar knock-off products out of your scope. Considering current events (Ukraine, financial markets, energy issues, climate) the costs may have gone up since they made that video (unsure when that was made). Lastly, my dad used to say that the grass isn't greener on the other side, but rather the brown spots are just in other places (and thus easily missed).

At this moment the housing crisis makes it really hard to find something affordable in the Netherlands. 3 years ago you could easily find an appartment to rent in Rotterdam for around 750-1100. I know people renting for years for 500. 2300 a month is really insane for dutch standards. Other than housing, the Netherlands is great to live in, financial security and health care keeps the happyness level high and stress low.

Living in a city is more expensive than in a village, rent for a house not an apartment is €550 per month, so you have to rent in a village or small town.

Sometimes it takes videos like this to realize that even though life is getting harder, we still don't have it so bad. And Highly, you and all your loved ones would be more than welcome to come live a cheaper and more peaceful life over here in the Dutch countryside. Where it's even cheaper than in the video😉

I love your reaction on this video. I want to add something to the rent. In big cities like Rotterdam you will pay a lot, but outside thise big cities, rent is around 600-800 euro's a month

Biggest difference is the salaries. The gross income is maybe the same. But in some states you pay 5 to 10% income taxes. While in the Netherlands to be able to spend that a month you pay around the 49% income taxes. So, net you would have waaaay less to spend. I know people in the USA who earn Gross 5000 a month and receive net on their bankaccount 4750. While in the Netherlands it then becomes 3520. Which is a net difference of 1230 euro's. That extra money can make a massive difference. Or if you earn 7000 Gross in the Netherlands that becomes 4400. While in most states in the USA you would get between 6300 and 6650.

😮 the rent is really high there in Rotterdam! I live in Amsterdam, not in the center but outside the center and i pay less then 700 euro, and i have a 5 room appartement inluding 3 bedrooms and a garden. I am very glad that i live here in this house!

Some costs in the US are really rip-offs scams. Btw for 2350 euro you can affort (own) a good house outside the big Dutch cties.

I mean, interest prices on mortgages are going up a bit now, but especially in the North of the Netherlands it’s cheaper to buy a house. Me and my husband pay about 1700 euro’s per month for living costs. Excluding our health insurance and groceries, phones etc. If we’d add that it’ll probably come to about 2300-2500 total per month. So they can definitely go cheaper, but 34% savings is a lot already.

Housing is a lot cheaper in other parts of the Netherlands. I have minimum budget, and I have to pay full amount for social housing. In a small family home! With a nice little backyard. 3 bedrooms I pay around 580? But i get money back so at the end it will probably be around 375/400 euros a month. For rent. And 2540 pro year! (with Some extras for dental care). For health insurance. Next year it will get more expensive, maybe 100 til 200? More in a month. But also here you get money back if you have a small budget. (sorry my English is not so good 😇).

A lot of people in the Netherlands cannot even afford this kind of monthly payments😔 Im Dutch, 22 yo, but here u almost have to live with 2 people, otherwise u cant afford it

Lol, and that's in an expensive Randstad city. If you go to Zwolle, Groningen or Assen, you pay SIGNIFICANTLY less for rent. In my city, I'd consider €1500 overpriced for a 3 bedroom apartment.

you don't know what you are going to use when you are new in an appartment so the first year they bill you on an estimate and at the end of the year you pay extra if u used above the estimate and get money back if you use less. than for the second year they use the amount you used as the start amount. a part from those unknown bill is garbage disposal and the other part is upkeeping the floodprotection , living in rotterdam will take the bigger part of the amount.

The prices for housing are cooling down a bit. My gosh for that amount of money you can rent an enormous villa in my small village. Probably with horse stables and a heated swimming pool 😂

Like many here, I just want to point out if you can pay 2300 as rent for an appartement, you should look for buying a home because mortgage would be way way lower. Sure in Rotterdam center it would be quite expensive. Depending on how much you make a year, you can rent what's called 'social homes' and around 800 euro's would be a 3-4 room appartement. Food, depending on how you shop, you could do around 400 (with food and stuff for cats) If I ever would be able to pay 2300 rent then I certainly expect a Villa. Even then I'd look for a home to buy and pay less than that for a mortgage.

Even 58 for internet is a lot. We pay 30, but BOTH me and my partners jobs pay us 30 for our internet usage, because we work from home, so we basically have profit. Als 500 for groceries is not looking at the prices and just buying whatever because wow that's impressive. I go to the most expensive store but we only have 300 a month. Driving is definitely expensive but I also get paid by my job plus a little extra for maintenance to my car. I also pay 8 euro for my phone plan lol and my partner gets it also paid by his job. I could get it paid but I wouldn't be able to keep my number so it's fine. That rent is insane though but it makes sense knowing where they live. The majority pays about 1000 on average nowadays (countrywide) so that's more than half less. We personally have extremely low rent currently, only 642 euro a month, so we can save up for a house. A mortgage will most likely be around 1800 for us.

I live in Rotterdam,well done for you , i little apparent for food is a lot for my, but iff you are happy with for you thanks Paul ❣️

we live in a four-room apartment on the fifth floor, the cost of the house is less than six hundred euros per month, gr Harry from Sliedrecht, South Holland, The Netherlands

The rent is insane high imo. I am born and raised in The Netherlands.

The rent is really way too high. I suspect they're renting from a private owner, the apartment is pretty fancy, and/or they're also paying for the location and view. All things they couldn't have known then / needing to find something in a hurry. I believe the market is starting to slow down a bit now. Don't know if that also applies to Rotterdam. Anyway, it's well worth the effort to shop around more now, as they are planning to do. The amount paid for health benefits is partly paid by oneself to the insurance company and partly via income tax. A percentage of income tax is allocated to the health sector in NL, for the facilities, expertise, etc. Over and above that we also have an initial mandatory total co-payment of €385 per year, per adult (18 yrs

Omg the rent is very high in Rotterdam! We have a detached house for less 😅 but live in a small city in the east of the netherlands. We are happy with out healthcare system ❤

@juloedtb1420

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Because they rent from a private owner and don't live in social housing, which is also very nice to live in. Furthermore, the four big cities in the "randstad" are in favour with all the expats. They offer more for inner city housing than the Dutch themself, so the prices for privately owned rentals go up. The same goes for foreign companies, consults and embassies, when they buy houses for their employees. I have a feeling, there's more foreign owned properties in the inner cities than Dutch owned.

@StevenQ74

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It's high is some parts of the city, in most parts it's much cheaper, even when it's not social housing.

@juloedtb1420

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@StevenQ74 You're absolutely right. I used to live in gaasplas and before that in the bijlmer. But what I'm talking about is the inner city within the first two canals and housing with a view on the Y and touristy sights like Vondel Parc, museum plein, Amstel rivier, all the inner city canals,etc. Those are the spots that are unreasonable expensive.

Try to explain how the country is working, together we make the country

Hey HXC ... have you seen Soul 2 Soul Travels' video about Eric having a heart attack in Rotterdam? Highly recommended!

€2350 a month for RENT?!?!? First time in my life i heard something and actually unknowingly screamed out loud "WHAT?!" Can probably Rent 2-3 smaller appartments at the same time for that price. Also as you get more familiar with here you'll find some of the other things like your phone bill can be cut back on. And i feel your grocery shopping kinda on am american level. i pay about 350 a month for 3 people on groceries. And we eat prety large.

I live just outside Rotterdam, with public transportation 20 min. but pay a lot less rent.

I pay €480 pm rent for a 2 bedroom house with garden in a beautiful village in the south of the Netherlands!!

All depends on we’re u live in the Netherlands , I live up north and houses are cheap here I bought 2 houses 66m2 and one off 123m2 costs totale 262.000€ for example in Amsterdam west a house off 123m2 costs 1.300.000€

Oh no, way WAY to much for groceries. For my two kids, husband and myself, no more then 70-90 euros a week. And come see our town Muntendam. Its beautiful, way less expensive then Rotterdam, so much quieter and beautiful then Rotterdam.❤ "Kom binnen, de koffie staat klaar 👍😘

A bookkeeper is not required by law (I am one). You are allowed to do everything yourself, although maybe not adviseable.

2350 euro for an appartement on a top-location in Rotterdam. I'll guess they can afford it, I can't. But, their view outside is stunning! But they can have the same appartement just outside the city for half that money. So buying a house is a very good option! But why wait two more years?

You can easily cut it down with the rent in different towns !! to a 1000 euro

That's quite expensive. My overall monthly cost is about € 1500 (rent/utilities+data/taxes/insurance/car/groceries... that even includes some shopping). I plan to lower that to less then half by off-grid living. Income I don't need goes to investments in multiple asset classes. "Freedom" is priority.

Why Dutch energy companies come up with an estimated monthly bill and at the end of the year with the final bill, because this is much more convenient for businesses, mind they are smart and clever: the company always charges tens of percent too much and on purpose, 1 Getting money ahead is safer, 2 the company borrows from the customer at zero percent interest nice and handy anyway. You happy because you get a nice amount back and the energy company happy that they were able to capture a year's interest for free.

In the past, when the government ran health insurance, regular people paid about 150 euro per year if I remember correctly. Almost everything was covered. Nowadays 1800 euro per year is not unusual and a lot of things aren't covered. Plus you have to pay the first 400 euro yourself. I know the world changes and nothing can stay the same, but my bank account doesn't care about that. Hearing foreigners talking about cheap health insurance in the Netherlands makes me cry inside a little bit.

@Sayhoun

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Jessica, it only Unitest States of America that has extreme expansive healthcare, we as NL are still in the top 10 expansive healthcare. Je hoeft niet een ver te verhuizen als je echt veel goedkoper zorg wilt, zoals zuide of oost europa.

@jessicakoster2543

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@@Sayhoun not everyone can move, because of personal circumstances. Some people are stuck here.

@dutchgamer842

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Till 2006 there was "ziekenfonds" partly paid by the government partly by yourself(around €60 a month) and there was "particulier verzekerd" which was if your income was higher In 2006 both were ebolished and everyone needed to get insurance

@jessicakoster2543

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@@dutchgamer842 it was cheaper than 60 euro, about 30. At least according to wikipedia. But that was roughly the period we got the euro, so thinking back, its easy to mix up the euro and the gulden.

@dutchgamer842

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@@jessicakoster2543 I didn't mix it up with the FL at all, looked up old printed bankstatements from 2002 till 2006 and it was slightly over €60.

very nice couple Buncharted!

Not everything is correct. F.e. how the electricty/gas is calculates/ the different rental houses/ and the amount you spent on groceries that realy depends on what shop you go to; 500 euros per month is a lot! And it pays of if you yearly change your provider from tv/internet/health insurance. A yearly change means you always will get a special offer because you are a new client. It all has to do with 'shop around', from providers to health care and sometimes you even can 'haggle'. About housing; a city is more expensive (around the world), the further away from a city(centre), it is getting cheaper. So what they callculate is far far more then in the south-east where i live

Hey Paul, question ☝🏼 If you could, would you live in The Netherlands for a year or so. Just for the experians? (Sorry for my english😬) Greetings from Els 👋🏼🤗

You know what I really find hard to understand? Businesses in the Netherlands (being a part of Europe) have to comply to more rules and regulations than those in the US. Secondly: services and amenities in the Netherlands are generally less privatized but often public. Free market zealots have been telling us for ages that these circumstances (both the rules and the existence of publicly governed organizations) should be detrimental to consumers. They supposedly sabotage competition on the free market which allegedly leads to higher prices and less overall quality of life. BUT... As you can see: IT DOESN'T! How can all of these intelligent business people be so terribly wrong? Perhaps they are lying to us? /sarcasm

Go to eastern Netherlands where i live. Cheaper homes.

When are you moving to Holland ?😄gr Johann

Energy, yeah, you have more deposits in the US and less problems getting it up and using it than we have. Estimating usage makes sense, less chance of getting surprised after tha fact and having to pay a huge amount. That said, if you know you use a little less than average with the amount of people you have in the type of house you use you can adjust the amount you pay yourself no problem. Our water is WAAAAAY cleaner that that of the US, basically anywhere in the US, and some of the US water is outright bad for you. Because we understand nobody can do everything alone, we use taxes, more than the US, which is also why most things here are way better, like a lot. Our public transit is very good, but i still feel too expensive. I feel it should be made a lot cheaper if not free. Privatising it was a huge mistake. Internet here is good, in the US it's slow in some places and or very expensive in comparison or to be able to get it at all. Also far less likely to be spotty or out. Health insurance, one of the many things the US keeps fucking up big time, resulting in a lot more cost and problem sin the US, and they seem to be unwilling to learn anything. The US healthcare system is built on exploiting whoever the fuck you can for however fucking much you can, and giving them as little as possible for it. That €304 covers almost everything, especially most of the basic stuff you will likely need. Groceries, yep, some things are quite a bit more expensive, also a lot healthier for you, so much of your shit is outright trash and simply unhealthy for you, many products are not allowed here because it is trash and has too much bad crap in it. Rent is high, but generally our houses and appartments are i think better quality, especially if you compare it to many of the wooden homes you find in the US, we consider those trash. You will have to really go looking to find anything that compares to it, and it's probably still better. Renting commercially is quite a bit more expensive. Honestly, i too was a bit shocked when i heard their rent, you can get more for less than half of that by just moving out of the city, but like in a suburb, and either by car or public transit you can be back there in under 30 mins most likely. The health insurance again. People in the US pay a lot, or aren't insured properly (at all). They wait too long to go to the doctor with a problem, often meaning it gets worse, more expensive to fix, if still possible, with likely a worse end result, missing more time off of work, during which you will be payed here, even if not the full 100% at least 70%. If it really gets too bad you likely still incur a shitload of cost, while not being able to work anymore, resulting in huge debt, maybe for the rest of your life, and likely you and or your healthacre still costing for yourself and the state, missing more work, FAR less income, likely resulting in more crime in the US than it would here, and so on. If you take care of your people, you get more working hourse out of them, less crime, less cost. It's basically that simple, but somehow the US of Asshats thinks that communism or socialism and is therefore evil. No, the US is wilfully ignorant.

i live in the Netherlands and paying so much tax isnt great but you have to remember that the netherlands is a welfare state so everyone payes to take care of everything like: healthcare, roads, water, schools etc...

so were do you live now ? usa or thailand ?

At the moment , there is a huge housing shortage . Waiting list in some city’s are more than ten years ! Only foreigners rent or buy houses with prices that are huge !!! And the amount of rent you two paid , is scandalous!!!

First of all, concerning VISA, its WAAAY easier for Americans to come live in the Netherlands than vice versa. Plus, I have not seen the entire video, but are they also mention the difference on income (I know they are self employed, but I know that in my business projects sold in the US can get about $3000 per item, in the Netrherland people scoff when you dare to ask €150 for the same job.

Missing fire insurrance and other insurrances (like legal insurrance ). As the guy is self employed how about income insurrance and how about insurrance/ income plan for reaching 65+?

Even when you have nothing in your pocket. You have in The Netherlands millions of ways to make money in a few min. Legal. Proud to be Dutch! 🇳🇱

Better rent outside the bigger cities. My rent for a 3 room appt is 500€/month

What I do miss in this is the difference in income for US and the netherlands. I think low end jobs might get somewhat more here and lots of toeslagen to ben able to live of your wages, but the high end wages, like when you finished university, I'm not so sure about, I think they might be a lot higher in the US

Easy: you an phone monthly and say your consumption, or each 3 month they check and correct the bills.

T’es it’s good time to leave us and welcome to freedom europ

I don't think the Dutch care about healthcare. Did we ever discuss it? No. Most people don't need the doctor but few do. It beats me why ALL immigrants move to the big cities. Why? If I would ever emigrate to the US, would I live in N. York, LA, Chicago, etc.? No. I don't think that a Dutch person would pay 2350 euros for an appartment. In the eastern part of the country you can rent a house, with garden, for half that (no joke. I just looked it up).

hey highly, that is not true, then they live a really high standard. health insurance are you really ready and well insured for 150. rent is much lower and if you have less salary you can get a rent subsidy from the government and you will receive a part back. 600 euros of groceries in a month that is really a lot then you really live very well

So the cost of health insurance in The Netherland is half of that in America. But the health risk is also half. So the costs are equal.

hahahaha 2350,- for a freakin apartment, i live in a 2 bedroom house (2houses one roof style wich is very nice) with a big driveway and backyard and i pay 542,- euro's

2350 a month.. You can get a mortgage on a 400K home for like 1350 a month, I really hope they transition quickly because that's insane. If rent is more than your mortgage would be, it's time to switch up surely. The rest of the costs sound about right though I know plenty of couples who are getting their groceries for like 300 a month. Seems to me they could be lowering their monthlies by about 1200 bucks while leveling up their living situation.

@02:29 The estimate is made to let you pay in advance. Each year the balance is made up, and you get some money back, or pay some more.

The houses in the east are cheaper… Drenthe… look for a house there… or Friesland or Groningen… not the city but the villages

LOL, purchase and drive a car in the Netherlands and the U.S.A. They don't talk about that. And all the taxes in the Neterlands. No word about that.

most people will pay way more on transport.

I pay 17,50 for unlimited data, voice and txt. Going with t mobile, kpn Vodafone or another of the big names is a waste of money Also paying that much rent is ridiculous, that an Expat trap.