# Rekenexperts Inkomensverklaring Ondernemer — woonquote 2026

> Wat is de woonquote en de officiële Nibud-financieringslastnormen 2026 (per bruto jaarinkomen en hypotheekrente).

Bron: https://rekenexperts.nl/woonquote.html · Laatst gewijzigd: 2026-10-22 · Taal: Nederlands

## Woonquote

De woonquote is het maximale percentage van je bruto jaarinkomen dat je aan hypotheeklasten (rente + aflossing) mag besteden. Dit percentage wordt vastgesteld door het Nibud en is wettelijk verankerd in de Tijdelijke Regeling Hypothecair Krediet (TRHK).

De woonquote is afhankelijk van twee factoren:

- Je bruto jaarinkomen (toetsinkomen)
- De hypotheekrente (de rente waarmee wordt getoetst)

Het idee achter de woonquote is bescherming van de consument: je moet naast je hypotheeklasten voldoende overhouden voor andere vaste lasten en levensonderhoud.

Deze percentages zijn indicatief en gebaseerd op de Nibud-normen 2026. De exacte woonquote kan afwijken op basis van je persoonlijke situatie. Raadpleeg een hypotheekadviseur voor een exacte berekening.

Onderstaande tabel toont de woonquote-percentages voor 2026 bij verschillende inkomens en rentepercentages. Het percentage geeft aan hoeveel procent van je bruto jaarinkomen je maximaal mag besteden aan bruto hypotheeklasten. Dit is dezelfde tabel waarmee de [rekenmodule](https://rekenexperts.nl/) rekent.

| Bruto jaarinkomen | ≤ 1,5% | ≤ 2,0% | ≤ 2,5% | ≤ 3,0% | ≤ 3,5% | ≤ 4,0% | ≤ 4,5% | ≤ 5,0% | ≤ 5,5% | ≤ 6,0% | ≤ 6,5% | > 6,5% |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Tot € 30.000 | 15,5% | 16,5% | 17,5% | 18,4% | 19,3% | 20,1% | 20,9% | 21,6% | 22,2% | 22,7% | 23,2% | 23,7% |
| € 30.000 – € 30.999 | 15,5% | 16,5% | 17,5% | 18,4% | 19,3% | 20,1% | 20,9% | 21,6% | 22,2% | 22,7% | 23,2% | 23,7% |
| € 31.000 – € 31.999 | 16,2% | 17,3% | 18,3% | 19,3% | 20,2% | 21,2% | 22,0% | 22,7% | 23,4% | 24,1% | 24,6% | 25,1% |
| € 32.000 – € 32.999 | 16,7% | 17,9% | 19,0% | 20,1% | 21,1% | 22,1% | 23,0% | 23,8% | 24,6% | 25,3% | 25,9% | 26,4% |
| € 33.000 – € 33.999 | 17,1% | 18,3% | 19,5% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,4% | 26,1% | 26,8% | 27,4% |
| € 34.000 – € 34.999 | 17,3% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 35.000 – € 35.999 | 17,4% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 36.000 – € 36.999 | 17,4% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 37.000 – € 37.999 | 17,4% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 38.000 – € 38.999 | 17,4% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 39.000 – € 39.999 | 17,4% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 40.000 – € 40.999 | 17,4% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 41.000 – € 41.999 | 17,4% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 42.000 – € 42.999 | 17,4% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 43.000 – € 43.999 | 17,4% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 44.000 – € 44.999 | 17,4% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 45.000 – € 45.999 | 17,4% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 46.000 – € 46.999 | 17,4% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 47.000 – € 47.999 | 17,4% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 48.000 – € 48.999 | 17,4% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 49.000 – € 49.999 | 17,4% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 50.000 – € 50.999 | 17,4% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 51.000 – € 51.999 | 17,4% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 52.000 – € 52.999 | 17,4% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 53.000 – € 53.999 | 17,4% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 54.000 – € 54.999 | 17,4% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 55.000 – € 55.999 | 17,4% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 56.000 – € 56.999 | 17,4% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 57.000 – € 57.999 | 17,5% | 18,5% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 58.000 – € 58.999 | 17,6% | 18,6% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 59.000 – € 59.999 | 17,6% | 18,6% | 19,6% | 20,6% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 60.000 – € 60.999 | 17,7% | 18,7% | 19,7% | 20,7% | 21,6% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 61.000 – € 61.999 | 17,7% | 18,7% | 19,7% | 20,7% | 21,7% | 22,6% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 62.000 – € 62.999 | 17,8% | 18,8% | 19,8% | 20,7% | 21,7% | 22,7% | 23,6% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 63.000 – € 63.999 | 17,8% | 18,9% | 19,9% | 20,9% | 21,8% | 22,7% | 23,7% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 64.000 – € 64.999 | 17,9% | 18,9% | 19,9% | 21,0% | 21,9% | 22,8% | 23,7% | 24,6% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 65.000 – € 65.999 | 18,0% | 19,0% | 20,0% | 21,0% | 22,0% | 22,9% | 23,8% | 24,7% | 25,5% | 26,4% | 27,3% | 28,1% |
| € 66.000 – € 66.999 | 18,1% | 19,1% | 20,1% | 21,1% | 22,1% | 23,0% | 23,9% | 24,7% | 25,6% | 26,4% | 27,3% | 28,1% |
| € 67.000 – € 67.999 | 18,2% | 19,2% | 20,2% | 21,2% | 22,2% | 23,1% | 24,0% | 24,8% | 25,7% | 26,5% | 27,3% | 28,1% |
| € 68.000 – € 68.999 | 18,3% | 19,4% | 20,4% | 21,4% | 22,3% | 23,2% | 24,1% | 25,0% | 25,8% | 26,7% | 27,4% | 28,2% |
| € 69.000 – € 69.999 | 18,5% | 19,5% | 20,5% | 21,5% | 22,5% | 23,4% | 24,3% | 25,1% | 26,0% | 26,8% | 27,6% | 28,3% |
| € 70.000 – € 70.999 | 18,6% | 19,7% | 20,7% | 21,7% | 22,7% | 23,6% | 24,5% | 25,3% | 26,2% | 27,0% | 27,8% | 28,5% |
| € 71.000 – € 71.999 | 18,8% | 19,9% | 20,9% | 21,9% | 22,9% | 23,8% | 24,7% | 25,6% | 26,4% | 27,2% | 28,0% | 28,7% |
| € 72.000 – € 72.999 | 19,0% | 20,0% | 21,1% | 22,1% | 23,1% | 24,1% | 25,0% | 25,8% | 26,6% | 27,4% | 28,2% | 28,9% |
| € 73.000 – € 73.999 | 19,1% | 20,2% | 21,3% | 22,3% | 23,3% | 24,3% | 25,2% | 26,0% | 26,9% | 27,6% | 28,4% | 29,2% |
| € 74.000 – € 74.999 | 19,3% | 20,4% | 21,5% | 22,5% | 23,5% | 24,5% | 25,4% | 26,3% | 27,1% | 27,9% | 28,6% | 29,3% |
| € 75.000 – € 75.999 | 19,4% | 20,5% | 21,6% | 22,6% | 23,7% | 24,6% | 25,6% | 26,4% | 27,3% | 28,1% | 28,8% | 29,5% |
| € 76.000 – € 76.999 | 19,5% | 20,6% | 21,7% | 22,8% | 23,8% | 24,8% | 25,7% | 26,6% | 27,5% | 28,2% | 29,0% | 29,7% |
| € 77.000 – € 77.999 | 19,6% | 20,8% | 21,9% | 22,9% | 24,0% | 24,9% | 25,9% | 26,8% | 27,6% | 28,4% | 29,2% | 29,9% |
| € 78.000 – € 78.999 | 19,7% | 20,9% | 22,0% | 23,1% | 24,1% | 25,1% | 26,1% | 27,0% | 27,8% | 28,6% | 29,4% | 30,1% |
| € 79.000 – € 79.999 | 19,8% | 20,9% | 22,1% | 23,2% | 24,2% | 25,2% | 26,2% | 27,1% | 27,9% | 28,7% | 29,5% | 30,2% |
| € 80.000 – € 80.999 | 19,9% | 21,0% | 22,2% | 23,2% | 24,3% | 25,3% | 26,3% | 27,2% | 28,1% | 28,9% | 29,6% | 30,3% |
| € 81.000 – € 81.999 | 20,0% | 21,1% | 22,2% | 23,3% | 24,3% | 25,4% | 26,4% | 27,3% | 28,1% | 29,0% | 29,7% | 30,4% |
| € 82.000 – € 82.999 | 20,1% | 21,2% | 22,3% | 23,4% | 24,4% | 25,4% | 26,4% | 27,3% | 28,2% | 29,0% | 29,8% | 30,5% |
| € 83.000 – € 83.999 | 20,1% | 21,2% | 22,3% | 23,4% | 24,4% | 25,4% | 26,4% | 27,4% | 28,2% | 29,1% | 29,9% | 30,6% |
| € 84.000 – € 84.999 | 20,2% | 21,3% | 22,4% | 23,4% | 24,5% | 25,5% | 26,5% | 27,4% | 28,3% | 29,1% | 29,9% | 30,6% |
| € 85.000 – € 85.999 | 20,2% | 21,3% | 22,4% | 23,5% | 24,5% | 25,5% | 26,5% | 27,4% | 28,3% | 29,2% | 29,9% | 30,7% |
| € 86.000 – € 86.999 | 20,2% | 21,4% | 22,5% | 23,5% | 24,6% | 25,6% | 26,5% | 27,4% | 28,4% | 29,2% | 30,0% | 30,7% |
| € 87.000 – € 87.999 | 20,3% | 21,4% | 22,5% | 23,6% | 24,6% | 25,6% | 26,6% | 27,5% | 28,4% | 29,2% | 30,0% | 30,8% |
| € 88.000 – € 88.999 | 20,4% | 21,5% | 22,5% | 23,6% | 24,6% | 25,6% | 26,6% | 27,5% | 28,4% | 29,3% | 30,1% | 30,8% |
| € 89.000 – € 89.999 | 20,5% | 21,5% | 22,6% | 23,7% | 24,7% | 25,7% | 26,6% | 27,6% | 28,4% | 29,3% | 30,1% | 30,8% |
| € 90.000 – € 90.999 | 20,5% | 21,6% | 22,6% | 23,7% | 24,7% | 25,7% | 26,7% | 27,6% | 28,5% | 29,3% | 30,1% | 30,9% |
| € 91.000 – € 91.999 | 20,5% | 21,6% | 22,7% | 23,7% | 24,8% | 25,8% | 26,7% | 27,6% | 28,5% | 29,3% | 30,2% | 30,9% |
| € 92.000 – € 92.999 | 20,6% | 21,7% | 22,7% | 23,8% | 24,8% | 25,8% | 26,8% | 27,7% | 28,6% | 29,4% | 30,2% | 31,0% |
| € 93.000 – € 93.999 | 20,7% | 21,7% | 22,8% | 23,8% | 24,8% | 25,8% | 26,8% | 27,7% | 28,6% | 29,4% | 30,2% | 31,0% |
| € 94.000 – € 94.999 | 20,8% | 21,8% | 22,8% | 23,9% | 24,9% | 25,9% | 26,9% | 27,8% | 28,6% | 29,5% | 30,2% | 31,0% |
| € 95.000 – € 95.999 | 20,8% | 21,9% | 22,9% | 23,9% | 25,0% | 25,9% | 26,9% | 27,8% | 28,7% | 29,5% | 30,3% | 31,0% |
| € 96.000 – € 96.999 | 20,9% | 21,9% | 23,0% | 24,0% | 25,0% | 26,0% | 26,9% | 27,9% | 28,7% | 29,5% | 30,3% | 31,0% |
| € 97.000 – € 97.999 | 21,0% | 22,0% | 23,0% | 24,0% | 25,0% | 26,0% | 27,0% | 27,9% | 28,8% | 29,6% | 30,4% | 31,1% |
| € 98.000 – € 98.999 | 21,0% | 22,1% | 23,1% | 24,1% | 25,1% | 26,1% | 27,0% | 27,9% | 28,8% | 29,6% | 30,4% | 31,1% |
| € 99.000 – € 99.999 | 21,1% | 22,1% | 23,2% | 24,2% | 25,1% | 26,1% | 27,1% | 28,0% | 28,8% | 29,6% | 30,4% | 31,2% |
| € 100.000 – € 100.999 | 21,1% | 22,2% | 23,2% | 24,2% | 25,2% | 26,1% | 27,1% | 28,0% | 28,9% | 29,7% | 30,5% | 31,2% |
| € 101.000 – € 101.999 | 21,2% | 22,2% | 23,3% | 24,3% | 25,3% | 26,2% | 27,1% | 28,0% | 28,9% | 29,7% | 30,5% | 31,2% |
| € 102.000 – € 102.999 | 21,2% | 22,3% | 23,4% | 24,4% | 25,3% | 26,3% | 27,1% | 28,1% | 28,9% | 29,8% | 30,5% | 31,3% |
| € 103.000 – € 103.999 | 21,3% | 22,4% | 23,4% | 24,4% | 25,4% | 26,3% | 27,2% | 28,1% | 29,0% | 29,8% | 30,6% | 31,3% |
| € 104.000 – € 104.999 | 21,3% | 22,4% | 23,5% | 24,5% | 25,5% | 26,4% | 27,3% | 28,1% | 29,0% | 29,8% | 30,6% | 31,3% |
| € 105.000 – € 105.999 | 21,3% | 22,5% | 23,5% | 24,5% | 25,5% | 26,5% | 27,3% | 28,2% | 29,1% | 29,9% | 30,6% | 31,4% |
| € 106.000 – € 106.999 | 21,4% | 22,5% | 23,6% | 24,6% | 25,6% | 26,5% | 27,4% | 28,2% | 29,1% | 29,9% | 30,7% | 31,4% |
| € 107.000 – € 107.999 | 21,4% | 22,5% | 23,7% | 24,7% | 25,6% | 26,6% | 27,5% | 28,3% | 29,1% | 30,0% | 30,7% | 31,5% |
| € 108.000 – € 108.999 | 21,5% | 22,6% | 23,7% | 24,7% | 25,7% | 26,7% | 27,5% | 28,4% | 29,2% | 30,0% | 30,8% | 31,5% |
| € 109.000 – € 109.999 | 21,5% | 22,6% | 23,7% | 24,8% | 25,8% | 26,7% | 27,6% | 28,4% | 29,2% | 30,0% | 30,8% | 31,5% |
| € 110.000 – € 110.999 | 21,6% | 22,7% | 23,7% | 24,8% | 25,8% | 26,7% | 27,7% | 28,5% | 29,3% | 30,0% | 30,8% | 31,5% |
| € 111.000 – € 111.999 | 21,6% | 22,7% | 23,8% | 24,8% | 25,9% | 26,8% | 27,7% | 28,5% | 29,3% | 30,1% | 30,8% | 31,6% |
| € 112.000 – € 112.999 | 21,7% | 22,8% | 23,8% | 24,9% | 25,9% | 26,8% | 27,7% | 28,6% | 29,4% | 30,1% | 30,9% | 31,6% |
| € 113.000 – € 113.999 | 21,7% | 22,8% | 23,9% | 24,9% | 25,9% | 26,9% | 27,8% | 28,7% | 29,4% | 30,2% | 30,9% | 31,7% |
| € 114.000 – € 114.999 | 21,8% | 22,9% | 23,9% | 25,0% | 25,9% | 26,9% | 27,8% | 28,7% | 29,5% | 30,2% | 30,9% | 31,7% |
| € 115.000 – € 115.999 | 21,8% | 22,9% | 24,0% | 25,0% | 26,0% | 26,9% | 27,9% | 28,7% | 29,5% | 30,3% | 31,0% | 31,7% |
| € 116.000 – € 116.999 | 21,8% | 22,9% | 24,0% | 25,0% | 26,0% | 27,0% | 27,9% | 28,8% | 29,6% | 30,3% | 31,0% | 31,7% |
| € 117.000 – € 117.999 | 21,9% | 23,0% | 24,1% | 25,1% | 26,1% | 27,0% | 28,0% | 28,8% | 29,6% | 30,4% | 31,1% | 31,8% |
| € 118.000 – € 118.999 | 21,9% | 23,0% | 24,1% | 25,1% | 26,1% | 27,1% | 28,0% | 28,9% | 29,7% | 30,4% | 31,1% | 31,8% |
| € 119.000 – € 119.999 | 22,0% | 23,1% | 24,1% | 25,2% | 26,2% | 27,1% | 28,0% | 28,9% | 29,7% | 30,5% | 31,2% | 31,9% |
| € 120.000 – € 120.999 | 22,0% | 23,1% | 24,2% | 25,2% | 26,2% | 27,2% | 28,1% | 28,9% | 29,8% | 30,5% | 31,3% | 31,9% |
| € 121.000 – € 121.999 | 22,0% | 23,2% | 24,2% | 25,3% | 26,3% | 27,2% | 28,1% | 29,0% | 29,8% | 30,6% | 31,3% | 32,0% |
| € 122.000 – € 122.999 | 22,1% | 23,2% | 24,3% | 25,3% | 26,3% | 27,3% | 28,2% | 29,0% | 29,9% | 30,6% | 31,4% | 32,0% |
| € 123.000 – € 123.999 | 22,1% | 23,2% | 24,3% | 25,4% | 26,4% | 27,3% | 28,2% | 29,1% | 29,9% | 30,7% | 31,4% | 32,1% |
| € 124.000 – € 124.999 | 22,2% | 23,3% | 24,4% | 25,4% | 26,4% | 27,4% | 28,3% | 29,1% | 29,9% | 30,8% | 31,5% | 32,1% |
| € 125.000 en hoger | 22,2% | 23,3% | 24,4% | 25,5% | 26,5% | 27,4% | 28,3% | 29,2% | 30,0% | 30,8% | 31,5% | 32,2% |

Bron: Nibud, ["Rapport Advies hypotheeknormen 2026 (2025)"](https://www.nibud.nl/onderzoeksrapporten/rapport-advies-hypotheeknormen-2026-2025/) — bijlage ["Financieringslastnormen 2026"](https://www.nibud.nl/download/22375/?tmstv=1788859623) (Excel, sheet nietAOW).

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