Dutch homeowners poured a record 84.8 billion euros into mortgages this year, with first-time buyers leading the charge—turning to “starter loans” to bridge the gap between affordability and home prices. These loans, now widespread across towns, are especially popular among under-25s (15% vs. 8% for 25–35-year-olds), signaling a major shift as young buyers find creative ways to enter the market.
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