Starters with rich parents praise other buyers out of the housing market

The number of people who buy a house for the first time is increasingly doing that with financial help from parents. This is evident from recent figures from it Housing investigationwho has analyzed ING. The number of starters who bought a house with a donation has risen from 19 percent in 2020 to 31 percent in 2024. In total one in ten buyers will receive a ton or more.

In addition, they get more money than before. According to ING this was still an average of 40,000 euros in 2020, now it is to cute 60,000 euros. Of all the starters who bought a house with a gift from the parents, more than one in four 100,000 euros or more received.

The so -called ‘Jubelton’, a tax -free donation for the purchase of a home, was abolished in 2023. But according to Ing-Chiefdecoom Sander Burgers, that is not yet noticeable on the housing market. That is because a given Jubelton could still be used the following year in 2023. He thinks that the effects of the abolition of the Jubelton will only be visible in the coming years.

Because landlords and investors are rejecting rental properties, people who buy a house for the first time are more often in the housing market. Two in three starters still buy a home without help, but citizens see regional differences.

“It is increasingly difficult in the Randstad to buy a house without wealthy parents. In this area there is less supply, and more scarcity,” he says. “You can see that especially in the popular neighborhoods in cities such as Utrecht and Amsterdam”. It is therefore mainly in these areas that people with a contribution from the parents buy a house.

Starters who can use their parents’ assets also pay more for a home on average. And those without donation do compete with these people. That means they also have to bother that. “And that leads to increasingly expensive homes,” says Burgers.

In addition, the households who buy a first home are always people with a relatively high income. 56 percent of buyers in 2024 were in a high income category, compared to 47 percent in 2023. ING states that the capital in this way plays a more important role in the housing market.

This leads to a so -called “self -reinforcing effect”. “Due to the price increase, homeowners have built up a capacity, that they pass on to their children. And they benefit from the housing market because they have more money to spend.”

Tenants in particular seem to be the victim of the current situation on the housing market. “Starters who want to buy something benefit from this now, but for tenants it does not help that homes are no longer rented out, and are increasingly being done in the sale,” concludes economist citizens.