Knowledge base
What buyers should know about the VvE
Dutch owners' associations explained for apartment buyers: reserve funds, maintenance plans, minutes and new rules, with what we see in real VvE dossiers.
How big should a VvE's reserve fund be?
Dutch law sets how much an owners' association (VvE) must save each year, not how big the fund must be. How to check as a buyer whether the reserve fund is enough for the planned maintenance.
Published 21 October 2026reserve fundmaintenancefinanceslegislationThe new Dutch VvE law: what changes for apartment buyers?
The Dutch government wants owners' associations (VvEs) to decide on maintenance and sustainability by simple majority and to plan maintenance 30 years ahead. What that means for you as a buyer.
Published 21 October 2026legislationsustainabilitydecision-makingVvE loans when buying an apartment: what do you take on?
Has the owners' association (VvE) borrowed money for maintenance or sustainability? Then you help pay it off as a buyer. What that means for your monthly costs, your mortgage and the Dutch transfer tax.
Published 21 October 2026loanfinancestaxsustainabilityWhat is a normal VvE contribution in 2026?
Dutch apartment owners pay their owners' association (VvE) around € 270 a month on average, but buildings differ a lot. Why a low contribution isn't always cheap, and how to check it as a buyer.
Published 21 October 2026service chargesfinancesreserve fund
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