{"id":36329,"date":"2026-03-17T19:13:35","date_gmt":"2026-03-17T18:13:35","guid":{"rendered":"https:\/\/simmelink.nl\/family-law\/divorce\/assets\/koophuis-overwaarde\/"},"modified":"2026-03-17T19:13:37","modified_gmt":"2026-03-17T18:13:37","slug":"koophuis-overwaarde","status":"publish","type":"page","link":"https:\/\/simmelink.nl\/en\/family-law\/divorce\/assets\/koophuis-overwaarde\/","title":{"rendered":"Divorce and a home with equity &#8211; 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\/koophuis-overwaarde\/#How_do_you_calculate_the_equity\" >How do you calculate the equity?<\/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\/koophuis-overwaarde\/#What_does_buying_out_an_ex-partner_mean\" >What does buying out an ex-partner mean?<\/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\/koophuis-overwaarde\/#Financing_the_buyout\" >Financing the buyout<\/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\/koophuis-overwaarde\/#Step-by-step_plan_for_equity_and_buyouts\" >Step-by-step plan for equity and buyouts<\/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\/koophuis-overwaarde\/#Scenarios\" >Scenarios<\/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\/koophuis-overwaarde\/#Practical_examples\" >Practical examples<\/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\/koophuis-overwaarde\/#Our_Attorneys_at_Law\" >Our Attorneys at Law<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/simmelink.nl\/en\/family-law\/divorce\/assets\/koophuis-overwaarde\/#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>Equity in a divorce is the difference between the current market value of the home and the remaining mortgage debt; this amount must be divided between the partners.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Always have an independent appraiser determine the current market value of the property before calculating the equity.<\/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 release from joint and several liability.<\/li>\n\n\n\n<li>Additional repayments or investments using private assets may give rise to reimbursement rights that affect the division of the equity.<\/li>\n\n\n\n<li>Agreements regarding <a href=\"https:\/\/simmelink.nl\/en\/family-law\/divorce\/assets\/koopwoning\/\">buyouts<\/a> and equity are recorded in writing in the <a href=\"https:\/\/simmelink.nl\/en\/family-law\/divorce\/echtscheidingsconvenant\/\">divorce settlement agreement<\/a> 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_do_you_calculate_the_equity\"><\/span>How do you calculate the equity?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>An example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Market value of home: \u20ac900,000<\/li>\n\n\n\n<li>Remaining mortgage: \u20ac300,000<br\/>\u2192 Equity: \u20ac150,000<\/li>\n<\/ul>\n\n\n\n<p>In the case of community of property, each person is entitled to \u20ac75,000.<br\/>If one of you wishes to take over the home, that amount must be paid out to the other, unless you agree otherwise in a prenuptial agreement.<\/p>\n\n\n\n<p>Please note: investments using private assets or inheritances may involve <strong>reimbursement rights<\/strong>.<br\/>In many cases, the court assesses whether these amounts are included in the division.<\/p>\n<\/div>\n\n\n\n<div class=\"s-content-block\">\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_does_buying_out_an_ex-partner_mean\"><\/span>What does buying out an ex-partner mean?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In a <strong>buyout<\/strong>, one partner takes over the home entirely and pays the other their share of the equity.<br\/>The bank assesses whether the remaining partner can afford the mortgage independently.<\/p>\n\n\n\n<p><strong>Important steps:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Have the property appraised.<\/li>\n\n\n\n<li>Calculate the equity based on the reference date.<\/li>\n\n\n\n<li>Determine which share belongs to whom.<\/li>\n\n\n\n<li>Request bank approval for the mortgage takeover.<\/li>\n\n\n\n<li>Record everything in a settlement agreement or notarial deed.<\/li>\n<\/ol>\n\n\n\n<p>After the transfer, the notary re-registers the property with the Land Registry and the mortgage is adjusted.<\/p>\n<\/div>\n\n\n\n<div class=\"s-content-block\">\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Financing_the_buyout\"><\/span>Financing the buyout<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In a buyout, a <strong>new or higher mortgage<\/strong> is often taken out.<br\/>The bank assesses income, expenses, and creditworthiness.<br\/>The buyout amount can be partially financed from the equity or savings.<\/p>\n\n\n\n<p>In many cases, the notary advises recording all agreements in a <strong>deed of division<\/strong>.<br\/>Without bank approval, the departing partner remains jointly and severally liable for the old mortgage.<\/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_equity_and_buyouts\"><\/span>Step-by-step plan for equity and buyouts<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>Map out the property value, mortgage, and any private investments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Appraisal &#038; reference date<\/h3>\n\n\n\n<p>Have the property appraised and determine the valuation date.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Calculating equity<\/h3>\n\n\n\n<p>Deduct the mortgage and any debts from the market value.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Buyout or sale<\/h3>\n\n\n\n<p>Discuss whether one of you will take over the home or if selling is better.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Recording &#038; execution<\/h3>\n\n\n\n<p>Record agreements in a settlement agreement or notarial deed and execute them via the notary and mortgage lender.<\/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>You determine together how the equity will be divided and record this in a settlement agreement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mediation<\/h3>\n\n\n\n<p>A mediator helps you reach agreements on valuation, buyouts, and payment terms.<\/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 decide on valuation, division, and any reimbursement rights.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">International<\/h3>\n\n\n\n<p>Is the property located in the Netherlands but one of you lives abroad?<br\/>In that case, Dutch law usually applies; the Dutch court has jurisdiction (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 equity in divorce for your specific 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 an additional mortgage<\/strong><br\/>A client was able to keep the home thanks to a new mortgage. The buyout was recorded in a notarial deed and the ex-partner was released from liability. <\/p>\n\n\n\n<p><strong>2. Dispute over reference date<\/strong><br\/>In another case, the property value rose significantly between the time of separation and the sale. The court chose the value on the date of sale because the parties had not agreed otherwise. <\/p>\n\n\n\n<p><strong>3. Reimbursement right after a gift<\/strong><br\/>Part of the renovation was paid for from an inheritance with an exclusion clause. That amount fell outside the division and was repaid to the heir. <\/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>How do I know if there is 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-52e77243\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-52e77243\">\n\n<p class=\"gb-headline gb-headline-b299caa3 gb-headline-text\">Compare the appraised value with the outstanding mortgage. The difference is the equity. <\/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 always 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\">Only if you want to remain in the home and the other person transfers their share.<\/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 I cannot finance the buyout?<\/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\">In that case, a sale may be necessary, or you can agree on a payment plan.<\/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>How is the reference date determined?<\/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\">Usually, it is the day on which the divorce petition was filed.<\/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 the court decide on the division?<\/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\">Yes. If consultation is unsuccessful, the court determines how the equity is shared.<\/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 Equity in a divorce is the difference between the current market value of the home and the remaining mortgage debt; this amount must be divided between the partners. How do you calculate the equity? An example: In the case of community of property, each person is entitled to \u20ac75,000.If one &#8230; <a title=\"Divorce and a home with equity &#8211; Simmelink\" class=\"read-more\" href=\"https:\/\/simmelink.nl\/en\/family-law\/divorce\/assets\/koophuis-overwaarde\/\" aria-label=\"Read more about Divorce and a home with equity &#8211; Simmelink\">Lees meer<\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"parent":25139,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":{"0":"post-36329","1":"page","2":"type-page","3":"status-publish","5":"infinite-scroll-item"},"acf":[],"_links":{"self":[{"href":"https:\/\/simmelink.nl\/en\/wp-json\/wp\/v2\/pages\/36329","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=36329"}],"version-history":[{"count":4,"href":"https:\/\/simmelink.nl\/en\/wp-json\/wp\/v2\/pages\/36329\/revisions"}],"predecessor-version":[{"id":36333,"href":"https:\/\/simmelink.nl\/en\/wp-json\/wp\/v2\/pages\/36329\/revisions\/36333"}],"up":[{"embeddable":true,"href":"https:\/\/simmelink.nl\/en\/wp-json\/wp\/v2\/pages\/25139"}],"wp:attachment":[{"href":"https:\/\/simmelink.nl\/en\/wp-json\/wp\/v2\/media?parent=36329"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}