--- title: "Purchase valuation in Amsterdam for movers: line up the old and new home" description: "Prepare a purchase valuation when moving in Amsterdam by keeping sale proceeds, market value, equity and the new purchase separate." url: "https://taxateuramsterdam.pro/en/purchase-valuation-movers-amsterdam/" locale: "en" author: "Teun Peerenboom" publishedDate: "2026-09-08T00:00:00.000Z" updatedDate: "2026-09-16T00:00:00.000Z" categories: "Purchase, Movers" tags: "purchase valuation, moving home, equity, Amsterdam home purchase" --- # Purchase valuation in Amsterdam for movers: line up the old and new home Prepare a purchase valuation when moving in Amsterdam by keeping sale proceeds, market value, equity and the new purchase separate. ## TL;DR: Five checks for the move Start with the old-home sale figures, then define a separate valuation question for the new home. Ask the lender how it wants the report and how it treats timing or bridge finance. Give the sale figures to the tax adviser or use the official tax explanation for the bijleenregeling. Review the new report before the finance deadline. 1. Record the old sale price, sale costs and old debt. 2. Fix the new property’s purpose, valuation date and recipient. 3. Gather old and new property records, including leasehold and VvE documents. 4. Ask the lender and tax adviser to apply their own rules to the figures. 5. Commission and review the new-home valuation before submission. If you are also deciding on [purchase valuation for investors](/en/purchase-valuation-investors-amsterdam/), keep that purchase purpose separate from the mortgage or valuation question here. If you are also deciding on [purchase valuation in Amsterdam](/en/purchase-valuation-amsterdam/), keep that purchase purpose separate from the mortgage or valuation question here. A sound [valuation report](/en/report/) keeps the property, purpose, valuation date and recipient visible, so you can test whether the conclusion fits your decision. When you compare quotes, relate the [valuation costs in Amsterdam](/en/costs/) to the scope, inspection, delivery conditions and follow-up you need. ## Are you selling one home and buying another? If you are selling one property and buying another in Amsterdam, keep the old home’s sale facts separate from the new home’s market-value question. A purchase valuation can support the new-home decision; equity, borrowing capacity and tax treatment need their own calculations. ## Before you start Put the figures in three groups: 1. **Old home:** sale price, sale costs, old own-home debt and expected equity. 2. **New home:** address, purchase price, market-value question, leasehold and VvE records. 3. **Finance and tax:** intended loan, bridge-finance question, lender recipient and bijleenregeling question. This grouping prevents the old home’s equity from being read as the new home’s market value. Use this move brief: “Old sale price [ ], sale costs [ ], old debt [ ], new address [ ], new purchase price [ ], valuation date [ ], intended loan [ ], report recipient [ ], bridge-finance question [ ].” ## Why two-home preparation needs separate numbers If you are also deciding on [purchase valuation for expats](/en/purchase-valuation-expats-amsterdam/), keep that purchase purpose separate from the mortgage or valuation question here. The sale price describes a transaction for the old property. Equity is a calculation after sale costs and repayment of the old own-home debt. The new-home valuation is an opinion of market value for another address and date. The lender also reviews income, debts, interest and product conditions. If your Amsterdam decision also involves [mortgage valuation for home movers](/en/mortgage-valuation-movers-amsterdam/), keep its lender requirements separate from the property question here. The [Belastingdienst bijleenregeling](https://www.belastingdienst.nl/wps/wcm/connect/bldcontentnl/belastingdienst/prive/woning/eigen-woning/u-verkoopt-een-huis/bijleenregeling/) explains that overwaarde can affect the interest-deduction calculation for the next home. The [official calculation example for buying another home](https://www.belastingdienst.nl/wps/wcm/connect/bldcontentnl/belastingdienst/prive/woning/eigen-woning/u-verkoopt-een-huis/bijleenregeling/wanneer-geldt-bijleenregeling/) uses sale price, sale costs, old debt and the new purchase as separate inputs. The [Rijksoverheid borrowing explanation](https://www.rijksoverheid.nl/vraag-en-antwoord/huis-kopen/maximaal-bedrag-lenen-koopwoning) keeps home value, income, interest and other obligations in separate parts of the maximum-loan question.
Seven purchase valuation figures for home movers: sale, old debt, equity, new bid, value, loan and tax
If you are also deciding on [purchase valuation for first-time buyers](/en/purchase-valuation-first-time-buyers-amsterdam/), keep that purchase purpose separate from the mortgage or valuation question here. The seven boxes give the move a readable order. The first three belong to the old-home calculation. The next two belong to the new property and purchase. The last two belong to lender and tax conversations. A moving household can compare its old and new figures against an [Eindhoven property valuation](https://taxatieeindhoven.com/property-valuation-eindhoven-guide/), while the brief still states the address and purpose and keeps the Amsterdam figures separate. ## Requirements and constraints Collect these records before commissioning work: - old purchase deed, mortgage balance and expected sale costs; - expected sale price and any agreed sale conditions; - new purchase agreement or proposed bid; - new address, dwelling type, floor area and known defects; - leasehold terms, VvE budget, minutes, service charges and planned works; - lender report instruction, recipient, report-age rule and finance deadline; - a dated note of the tax question you want the adviser to answer. Do not place the old home’s sale figure in the new valuation brief as if it were evidence for the new address. Give the valuer the new property’s facts and give the lender or adviser the finance context. ## Step by step: prepare the valuation ### 1. Close the old-home calculation Write sale price, sale costs and old debt in separate lines. Mark which values are estimates and which are confirmed by a statement or agreement. ### 2. Define the new-home valuation brief State the address, purchase purpose, valuation date, intended recipient and any request for a value before or after planned work. ### 3. Ask about timing Tell the lender whether the old home is sold, listed or still occupied. Ask about bridge finance, report age, validation and delivery timing. Keep the answer in writing. ### 4. Assemble the new property records Collect purchase documents, floor plans, leasehold terms, VvE records, permits and maintenance information. Mark missing facts. ### 5. Ask the tax question separately Use the sale price, sale costs, old debt and new purchase facts when speaking with the tax adviser. A valuation report can supply property evidence; it does not calculate the personal tax result. ### 6. Review the report Check address, purpose, date, market value, comparable evidence, assumptions, limitations and intended recipient. Compare delivery with the finance deadline. ## Scenarios and variations ### A simple equity illustration Suppose the old home sells for €600,000, sale costs are €20,000 and the old own-home debt is €400,000: `€600,000 - €20,000 - €400,000 = €180,000` That €180,000 is an illustration of the old-home calculation. It is not the market value of the next home and does not decide how much the lender will offer. ### The new home costs €750,000 The purchase price is a transaction figure. The valuation answers the market-value question for the new property. If those figures differ, ask the lender how the report and the intended loan interact with the equity and cost plan. ### The old home has not sold Record the expected sale price as an estimate. Ask about bridge finance, timing, double housing costs and the evidence the lender needs. Do not present an unsold property’s estimated equity as cash already available. ### The new home is an apartment Add the deed of division, VvE budget, minutes, reserve-fund information and service charges. Building-level decisions can affect the new property’s records even when the old home is a detached or different type of property. ## Common mistakes and stalled preparations - **Calling equity the new market value:** use separate labels and addresses. - **Leaving sale costs out of the equity calculation:** list the costs before discussing the reserve. - **Ignoring an unsold old home:** mark estimates and ask about bridge finance. - **Giving the valuer a tax conclusion:** give property facts and send tax questions to the adviser. - **Forgetting VvE or leasehold records:** request them before the inspection. - **Using a report with the wrong recipient:** confirm the lender’s current acceptance rules. When a move stalls, write the old-home fact, new-home fact and owner of the open question in one dated note. This keeps the two records connected without merging their meanings. If you still have a question about the property, purpose or date, [contact Taxateur Amsterdam](/en/contact/) with the question and without personal attachments. ## After the report: review and repeat Recheck the application when the sale price, sale date, old debt, new bid, address, valuation date, lender or bridge-finance plan changes. A new fact can change the finance conversation while leaving the property valuation unchanged. Keep the report, purchase agreement, sale records and written lender instruction together until the move is complete. ## FAQ ### Is equity the market value of the new home? No. Equity comes from the old home’s transaction and debt figures. The new home’s market value requires a property-specific valuation for its own date and purpose. ### How does the bijleenregeling enter the application? It can affect the interest-deduction calculation after a home is sold with overwaarde. Give the relevant sale, cost, debt and purchase figures to the tax adviser. ### Can I use the expected sale price as cash? An expected sale price is an estimate until the transaction and costs are known. Ask the lender how it treats the timing and evidence. ### Does the new valuation include the old mortgage? The report describes the new property and its market value. The lender uses separate finance information to assess the loan and timing. ### What if the new report is below the purchase price? Record the difference and ask the lender or adviser how it affects the cash plan, bid and loan structure. The result is a finance question as well as a negotiation question. ### Do I need a new report when the lender changes? Ask the new recipient to confirm purpose, date, report age, format, validation and acceptance before relying on an existing report. ## When to review the decision again Date the sale estimates, lender instruction and tax question. Recheck them when the old home sells, the purchase price changes, the new address changes or the report will go to another recipient. Keep the property valuation and the move calculation readable as two connected records.