{"id":36305,"date":"2026-03-17T19:12:40","date_gmt":"2026-03-17T18:12:40","guid":{"rendered":"https:\/\/simmelink.nl\/family-law\/divorce\/assets\/koopwoning\/"},"modified":"2026-03-17T19:13:37","modified_gmt":"2026-03-17T18:13:37","slug":"koopwoning","status":"publish","type":"page","link":"https:\/\/simmelink.nl\/en\/family-law\/divorce\/assets\/koopwoning\/","title":{"rendered":"Divorce and the Owner-Occupied Home &#8211; Law firm Simmelink"},"content":{"rendered":"\n<div class=\"s-section\">\n<div class=\"s-section-wrapper\">\n<div class=\"s-grid-toc_main gb-element-94926826\">\n<div class=\"s-section-sidebar\">\n<div class=\"s-sidebar-block-toc gb-element-bf14a539\">\n<p class=\"gb-text\">On this page<\/p>\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-flat ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/simmelink.nl\/en\/family-law\/divorce\/assets\/koopwoning\/#How_is_the_value_of_the_home_determined\" >How is the value of the home determined?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/simmelink.nl\/en\/family-law\/divorce\/assets\/koopwoning\/#Options_for_an_owner-occupied_home_during_divorce\" >Options for an owner-occupied home during divorce<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/simmelink.nl\/en\/family-law\/divorce\/assets\/koopwoning\/#Step-by-step_plan_for_an_owner-occupied_home_in_a_divorce\" >Step-by-step plan for an owner-occupied home in a divorce<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/simmelink.nl\/en\/family-law\/divorce\/assets\/koopwoning\/#Scenarios\" >Scenarios<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/simmelink.nl\/en\/family-law\/divorce\/assets\/koopwoning\/#Practical_examples\" >Practical examples<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/simmelink.nl\/en\/family-law\/divorce\/assets\/koopwoning\/#Our_Attorneys_at_Law\" >Our Attorneys at Law<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/simmelink.nl\/en\/family-law\/divorce\/assets\/koopwoning\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><\/li><\/ul><\/nav><\/div>\n\n<\/div>\n<\/div>\n\n\n\n<div class=\"s-section-main s-stack-2xl gb-element-6c76d265\">\n<div class=\"s-content-block s-content-block--filled gb-element-15683c21 block-wrapper\">\n<div class=\"s-content-block-narrow\">\n<p class=\"gb-text gb-text-91da06c0\">In brief<\/p>\n\n\n\n<p>In a divorce involving an owner-occupied home, it must be determined who retains the property, how the value is established, and what happens to the mortgage.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The value of the home is determined via a current appraisal by an independent appraiser.<\/li>\n\n\n\n<li>The reference date, usually the date the divorce petition is filed, determines which value is used for the division.<\/li>\n\n\n\n<li>Both partners remain jointly and severally liable for the mortgage until the bank agrees to a change in the name on the title.<\/li>\n\n\n\n<li><a href=\"https:\/\/simmelink.nl\/en\/family-law\/divorce\/assets\/koophuis-overwaarde\/\">Home equity<\/a> or residual debt is divided according to the matrimonial property regime or the agreements in the <a href=\"https:\/\/simmelink.nl\/en\/family-law\/divorce\/echtscheidingsconvenant\/\">divorce settlement agreement<\/a>.<\/li>\n\n\n\n<li>Agreements regarding the home are recorded in writing in a settlement agreement or a notarial deed.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"s-content-block\">\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_is_the_value_of_the_home_determined\"><\/span>How is the value of the home determined?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The property value forms the basis for any division.<br\/>An <strong>independent appraisal<\/strong> is essential, especially if one of you wishes to remain in the home.<br\/>The appraisal provides the current market value; the mortgage and any debts are subtracted from that amount to calculate the <strong>home equity<\/strong>.<\/p>\n\n\n\n<p>Sometimes parties use the WOZ value (tax valuation), but this often deviates from the market.<br\/>In many cases, the court considers a recent appraisal as decisive evidence.<\/p>\n<\/div>\n\n\n\n<div class=\"s-content-block\">\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Options_for_an_owner-occupied_home_during_divorce\"><\/span>Options for an owner-occupied home during divorce<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. One of you remains in the home<\/h3>\n\n\n\n<p>The remaining partner buys out the other.<br\/>The buyout amount is usually half of the home equity.<br\/>The bank must agree to the change and assesses whether the income is sufficient for the new mortgage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. The home is sold<\/h3>\n\n\n\n<p>The home is sold through a real estate agent.<br\/>The mortgage is paid off and the home equity is shared; any residual debt is borne jointly, unless agreed otherwise.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Temporary joint ownership<\/h3>\n\n\n\n<p>Sometimes ex-partners agree to retain the home for the time being, for example, until children complete their schooling.<br\/>Clear agreements regarding housing costs and maintenance are then important to prevent later conflicts.<\/p>\n<\/div>\n\n\n\n<div class=\"s-content-block\">\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step-by-step_plan_for_an_owner-occupied_home_in_a_divorce\"><\/span>Step-by-step plan for an owner-occupied home in a divorce<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Inventory<\/h3>\n\n\n\n<p>Note the ownership ratio, outstanding mortgage, and any savings-linked mortgages or loans.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Reference date &#038; appraisal<\/h3>\n\n\n\n<p>Determine the valuation date and have the home independently appraised.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Choice: sale or buyout<\/h3>\n\n\n\n<p>Discuss scenarios: who will stay, what are the financial possibilities, and which bank conditions apply?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Formalizing<\/h3>\n\n\n\n<p>Record the agreements in a <strong>divorce settlement agreement<\/strong> or <strong>deed of division<\/strong> via the notary.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Execution<\/h3>\n\n\n\n<p>Arrange the transfer, deregistration at the Land Registry, adjustment of the mortgage, and settlement of home equity.<\/p>\n<\/div>\n\n\n\n<div class=\"s-content-block\">\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Scenarios\"><\/span>Scenarios<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Consultation<\/h3>\n\n\n\n<p>Many couples arrange the home through mutual consultation, guided by their lawyers. This often prevents legal proceedings. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mediation<\/h3>\n\n\n\n<p>A mediator helps in finding agreements regarding the home, costs, and the moment of sale. The outcome is recorded in a settlement agreement. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Legal proceedings<\/h3>\n\n\n\n<p>If consultation is unsuccessful, the court can determine who remains in the home or whether a sale must take place.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">International<\/h3>\n\n\n\n<p>Is the home located in the Netherlands but one of you lives abroad? In that case, the Dutch court is usually competent and Dutch law applies (Brussels II-ter). <\/p>\n<\/div>\n\n\n<div class=\"gb-container gb-container-479128b1 sim-section\">\n<div class=\"gb-container gb-container-d2156fab sim-section__inner-container\">\n<div class=\"gb-container gb-container-c3c6957d\">\n\n<p class=\"gb-headline gb-headline-9ac3bf72 gb-headline-text\">Would you like to know more about the owner-occupied home during divorce in your situation?<br>Schedule an appointment with us.<\/p>\n\n\n<div class=\"gb-container gb-container-2897bd62\">\n\n<a class=\"gb-button gb-button-0c012c4c gb-button-text sim-btn-action sim-button sim-button-action\" href=\"https:\/\/simmelink.nl\/en\/contact\/\">Contact Us<\/a>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<div class=\"s-content-block\">\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Practical_examples\"><\/span>Practical examples<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>1. Buyout with refinancing<\/strong><br\/>A client was able to buy out the ex-partner thanks to a new mortgage. The notary recorded this in a deed of division; the bank released the departing partner from liability. <\/p>\n\n\n\n<p><strong>2. Sale with residual debt<\/strong><br\/>In a declining housing market, parties sold the home with residual debt. The court ruled that both bore 50% of the debt. <\/p>\n\n\n\n<p><strong>3. Temporary joint ownership<\/strong><br\/>In a case involving young children, the parents agreed that the home would remain undivided for three years. The costs were divided proportionally until a sale was more favorable. <\/p>\n<\/div>\n\n\n\n<div class=\"s-advocaten-block\">\n<h2 class=\"gb-text\" id=\"advocaten\"><span class=\"ez-toc-section\" id=\"Our_Attorneys_at_Law\"><\/span>Our Attorneys at Law<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>At Simmelink Lawyers, you work with lawyers specialized in family law, international family law, and inheritance law. We work intensively together on solutions that are legally sound and do personal justice to your situation.<\/p>\n\n\n<div class=\"gb-container gb-container-3bd256ba\">\n\n<div class=\"gb-grid-wrapper gb-grid-wrapper-5dcdaabb gb-query-loop-wrapper\">\n<div class=\"gb-grid-column gb-grid-column-b6d769df gb-query-loop-item post-23938 advocaat type-advocaat status-publish hentry\"><div class=\"gb-container gb-container-b6d769df\">\n<div class=\"gb-container gb-container-7443210b\">\n<figure class=\"gb-block-image gb-block-image-943d9da3\"><a href=\"https:\/\/simmelink.nl\/en\/our-team\/attorneys-at-law\/carla-simmelink\/\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/simmelink.nl\/wp-content\/uploads\/2024\/05\/carla-2-300x300.jpg\" class=\"gb-image-943d9da3\" alt=\"Carla Simmelink\" srcset=\"https:\/\/simmelink.nl\/wp-content\/uploads\/2024\/05\/carla-2-300x300.jpg 300w, https:\/\/simmelink.nl\/wp-content\/uploads\/2024\/05\/carla-2-150x150.jpg 150w, https:\/\/simmelink.nl\/wp-content\/uploads\/2024\/05\/carla-2-768x768.jpg 768w, https:\/\/simmelink.nl\/wp-content\/uploads\/2024\/05\/carla-2.jpg 1024w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/figure>\n\n<h3 class=\"gb-headline gb-headline-f2d3d794 gb-headline-text\"><a href=\"https:\/\/simmelink.nl\/en\/our-team\/attorneys-at-law\/carla-simmelink\/\">Carla Simmelink &#8211; Family Law Attorney, International Family Law and Inheritance Law<\/a><\/h3>\n\n<p class=\"gb-headline gb-headline-9bf895f6 gb-headline-text\">Family Law Attorney, International Family Law and Inheritance Law<\/p>\n<\/div>\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-b6d769df gb-query-loop-item post-29865 advocaat type-advocaat status-publish hentry\"><div class=\"gb-container gb-container-b6d769df\">\n<div class=\"gb-container gb-container-7443210b\">\n<figure class=\"gb-block-image gb-block-image-943d9da3\"><a href=\"https:\/\/simmelink.nl\/en\/our-team\/attorneys-at-law\/valerie-lingg\/\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/simmelink.nl\/wp-content\/uploads\/2025\/03\/Valerie-1-300x300.jpg\" class=\"gb-image-943d9da3\" alt=\"Valerie Lingg\" srcset=\"https:\/\/simmelink.nl\/wp-content\/uploads\/2025\/03\/Valerie-1-300x300.jpg 300w, https:\/\/simmelink.nl\/wp-content\/uploads\/2025\/03\/Valerie-1-150x150.jpg 150w, https:\/\/simmelink.nl\/wp-content\/uploads\/2025\/03\/Valerie-1-768x768.jpg 768w, https:\/\/simmelink.nl\/wp-content\/uploads\/2025\/03\/Valerie-1.jpg 1200w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/figure>\n\n<h3 class=\"gb-headline gb-headline-f2d3d794 gb-headline-text\"><a href=\"https:\/\/simmelink.nl\/en\/our-team\/attorneys-at-law\/valerie-lingg\/\">Valerie Lingg &#8211; Family Law Attorney, International Family Law<\/a><\/h3>\n\n<p class=\"gb-headline gb-headline-9bf895f6 gb-headline-text\">Family Law Attorney, International Family Law<\/p>\n<\/div>\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-b6d769df gb-query-loop-item post-23939 advocaat type-advocaat status-publish hentry\"><div class=\"gb-container gb-container-b6d769df\">\n<div class=\"gb-container gb-container-7443210b\">\n<figure class=\"gb-block-image gb-block-image-943d9da3\"><a href=\"https:\/\/simmelink.nl\/en\/our-team\/attorneys-at-law\/eva-zaunbrecher-bosschlo\/\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/simmelink.nl\/wp-content\/uploads\/2024\/05\/Eva-300x300.jpg\" class=\"gb-image-943d9da3\" alt=\"Eva Zaunbrecher\" srcset=\"https:\/\/simmelink.nl\/wp-content\/uploads\/2024\/05\/Eva-300x300.jpg 300w, https:\/\/simmelink.nl\/wp-content\/uploads\/2024\/05\/Eva-150x150.jpg 150w, https:\/\/simmelink.nl\/wp-content\/uploads\/2024\/05\/Eva-768x768.jpg 768w, https:\/\/simmelink.nl\/wp-content\/uploads\/2024\/05\/Eva.jpg 1200w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/figure>\n\n<h3 class=\"gb-headline gb-headline-f2d3d794 gb-headline-text\"><a href=\"https:\/\/simmelink.nl\/en\/our-team\/attorneys-at-law\/eva-zaunbrecher-bosschlo\/\">Eva Zaunbrecher-Boschloo &#8211; Family Law Attorney, International Family Law<\/a><\/h3>\n\n<p class=\"gb-headline gb-headline-9bf895f6 gb-headline-text\">Lawyer at Law (International) Family Law<\/p>\n<\/div>\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-b6d769df gb-query-loop-item post-36349 advocaat type-advocaat status-publish hentry\"><div class=\"gb-container gb-container-b6d769df\">\n<div class=\"gb-container gb-container-7443210b\">\n<figure class=\"gb-block-image gb-block-image-943d9da3\"><a href=\"https:\/\/simmelink.nl\/en\/our-team\/attorneys-at-law\/sophia-sips\/\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/simmelink.nl\/wp-content\/uploads\/2026\/03\/Sophia-300x300.jpg\" class=\"gb-image-943d9da3\" alt=\"Sophia Sips\" srcset=\"https:\/\/simmelink.nl\/wp-content\/uploads\/2026\/03\/Sophia-300x300.jpg 300w, https:\/\/simmelink.nl\/wp-content\/uploads\/2026\/03\/Sophia-1200x1200.jpg 1200w, https:\/\/simmelink.nl\/wp-content\/uploads\/2026\/03\/Sophia-150x150.jpg 150w, https:\/\/simmelink.nl\/wp-content\/uploads\/2026\/03\/Sophia-768x768.jpg 768w, https:\/\/simmelink.nl\/wp-content\/uploads\/2026\/03\/Sophia-1536x1536.jpg 1536w, https:\/\/simmelink.nl\/wp-content\/uploads\/2026\/03\/Sophia-2048x2048.jpg 2048w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/figure>\n\n<h3 class=\"gb-headline gb-headline-f2d3d794 gb-headline-text\"><a href=\"https:\/\/simmelink.nl\/en\/our-team\/attorneys-at-law\/sophia-sips\/\">Sophia Sips &#8211; Family Law Attorney<\/a><\/h3>\n\n<p class=\"gb-headline gb-headline-9bf895f6 gb-headline-text\">Family Law Attorney, International Family Law<\/p>\n<\/div>\n<\/div><\/div>\n<\/div>\n\n<\/div>\n\n\n<div class=\"s-quotes-block gb-element-b0365a51 testimonial-block\">\n<img decoding=\"async\" class=\"s-quote-card-icon gb-media-5cab658b testimonial-icon\" alt=\"\" src=\"https:\/\/simmelink.nl\/wp-content\/uploads\/2025\/05\/quote.svg\" title=\"quote\">\n\n\n\n<p class=\"gb-text s-quote-card-text testimonial-text\"><em><em>Clients are guided by a dedicated lawyer who oversees the entire file and communicates discreetly.<\/em><\/em><\/p>\n\n\n\n<p class=\"gb-text s-quote-card-author testimonial-author\">Mr. Carla Simmelink, lawyer<\/p>\n<\/div>\n<\/div>\n\n\n<div class=\"gb-container gb-container-be249d49 s-margin-vert-xl s-content-block\">\n\n<h2 class=\"gb-headline gb-headline-bfdf1120 gb-headline-text gbp-section__headline\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div class=\"gb-container gb-container-1e85dbd5 gb-accordion\">\n<div class=\"gb-container gb-container-d1310856 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-19f7b745 gb-accordion__toggle\" id=\"gb-accordion-toggle-19f7b745\"><span class=\"gb-button-text\"><strong>Who is allowed to continue living in the home?<\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-52e77243\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-52e77243\">\n\n<p class=\"gb-headline gb-headline-b299caa3 gb-headline-text\">In many cases, you decide this together. If you cannot reach an agreement, the court can take income, children, and housing needs into account. <\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-2712f11d gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-17f3fa07 gb-accordion__toggle\" id=\"gb-accordion-toggle-17f3fa07\"><span class=\"gb-button-text\"><strong>Do I have to buy out my ex-partner?<\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-061dc4a6\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-061dc4a6\">\n\n<p class=\"gb-headline gb-headline-98660516 gb-headline-text\">Yes, if you wish to remain in the home and the other party transfers their share of ownership. The amount of the buyout depends on the home equity. <\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-88866d7b gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-1365ae94 gb-accordion__toggle\" id=\"gb-accordion-toggle-1365ae94\"><span class=\"gb-button-text\"><strong>What if the bank does not cooperate?<\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-433b3ebd\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-433b3ebd\">\n\n<p class=\"gb-headline gb-headline-d0db8993 gb-headline-text\">Without the bank&#8217;s permission, you both remain liable for the mortgage. Sometimes sale or refinancing is the only solution. <\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-7afb061f gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-f5653bff gb-accordion__toggle\" id=\"gb-accordion-toggle-f5653bff\"><span class=\"gb-button-text\"><strong>What happens to the home equity?<\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-e59cd61c\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-e59cd61c\">\n\n<p class=\"gb-headline gb-headline-e246ca56 gb-headline-text\">The home equity is usually shared according to the matrimonial property regime. This may be different in the case of a prenuptial agreement. <\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-3d308dc8 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-08998158 gb-accordion__toggle\" id=\"gb-accordion-toggle-08998158\"><span class=\"gb-button-text\"><strong>Can a sale be forced?<\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-89ad59c9\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-89ad59c9\">\n\n<p class=\"gb-headline gb-headline-7a7f4745 gb-headline-text\">If consultation or mediation is unsuccessful, the court can order a sale or determine who remains in the home for the time being.<\/p>\n\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<div><div class=\"gb-container gb-container-34ac26a6\">\n<div class=\"gb-container gb-container-34ce7bbc\">\n\n<figure class=\"gb-block-image gb-block-image-7a1d0082\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"93\" class=\"gb-image gb-image-7a1d0082\" src=\"https:\/\/simmelink.nl\/wp-content\/uploads\/2020\/09\/nederlandse-orde-van-advocaten-logo-300x93.png\" alt=\"Logo of the Dutch Bar Association\" title=\"Logo of the Dutch Bar Association\" srcset=\"https:\/\/simmelink.nl\/wp-content\/uploads\/2020\/09\/nederlandse-orde-van-advocaten-logo-300x93.png 300w, https:\/\/simmelink.nl\/wp-content\/uploads\/2020\/09\/nederlandse-orde-van-advocaten-logo.png 340w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/figure>\n\n<\/div>\n\n<div class=\"gb-container gb-container-7b78af02\">\n\n<figure class=\"gb-block-image gb-block-image-cae6833a\"><img decoding=\"async\" class=\"gb-image gb-image-cae6833a\" src=\"https:\/\/simmelink.nl\/wp-content\/uploads\/2024\/05\/RaadvRechtspraak.svg\" alt=\"\" title=\"RaadvJustice\"><\/figure>\n\n\n\n<figure class=\"gb-block-image gb-block-image-07670684\"><img loading=\"lazy\" decoding=\"async\" width=\"340\" height=\"105\" class=\"gb-image gb-image-07670684\" src=\"https:\/\/simmelink.nl\/wp-content\/uploads\/2020\/09\/raad-voor-rechtsbijstand-high-trust-logo.png\" alt=\"Council for Legal Aid High Trust Logo\" title=\"Council for Legal Aid High Trust Logo\" srcset=\"https:\/\/simmelink.nl\/wp-content\/uploads\/2020\/09\/raad-voor-rechtsbijstand-high-trust-logo.png 340w, https:\/\/simmelink.nl\/wp-content\/uploads\/2020\/09\/raad-voor-rechtsbijstand-high-trust-logo-300x93.png 300w\" sizes=\"auto, (max-width: 340px) 100vw, 340px\" \/><\/figure>\n\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>On this page In brief In a divorce involving an owner-occupied home, it must be determined who retains the property, how the value is established, and what happens to the mortgage. How is the value of the home determined? The property value forms the basis for any division.An independent appraisal is essential, especially if one &#8230; <a title=\"Divorce and the Owner-Occupied Home &#8211; Law firm Simmelink\" class=\"read-more\" href=\"https:\/\/simmelink.nl\/en\/family-law\/divorce\/assets\/koopwoning\/\" aria-label=\"Read more about Divorce and the Owner-Occupied Home &#8211; Law firm Simmelink\">Lees meer<\/a><\/p>\n","protected":false},"author":3,"featured_media":16674,"parent":25139,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":{"0":"post-36305","1":"page","2":"type-page","3":"status-publish","4":"has-post-thumbnail","6":"infinite-scroll-item","7":"resize-featured-image"},"acf":[],"_links":{"self":[{"href":"https:\/\/simmelink.nl\/en\/wp-json\/wp\/v2\/pages\/36305","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/simmelink.nl\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/simmelink.nl\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/simmelink.nl\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/simmelink.nl\/en\/wp-json\/wp\/v2\/comments?post=36305"}],"version-history":[{"count":10,"href":"https:\/\/simmelink.nl\/en\/wp-json\/wp\/v2\/pages\/36305\/revisions"}],"predecessor-version":[{"id":36335,"href":"https:\/\/simmelink.nl\/en\/wp-json\/wp\/v2\/pages\/36305\/revisions\/36335"}],"up":[{"embeddable":true,"href":"https:\/\/simmelink.nl\/en\/wp-json\/wp\/v2\/pages\/25139"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/simmelink.nl\/en\/wp-json\/wp\/v2\/media\/16674"}],"wp:attachment":[{"href":"https:\/\/simmelink.nl\/en\/wp-json\/wp\/v2\/media?parent=36305"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}