Nieuwstad 44a

7241 DR Lochem
€ 630.000

What stands out

size & layout environment ownership & costs condition outdoor & parking price & market
location energy neighbourhood building travel

Key facts

Surface area
House 470 m² · Plot 640 m²
Rooms
6 bedrooms
Construction year
1867
Energy label
NIET AANWEZIG
House type
Vrijstaande woning
Type check
BAG shows 2+ shared walls; verify house type
Garden facing west Parking: Gated (14 places)

Photos

Description

Bekijk Nieuwstad 44 a in Lochem op Move.nl: 470 m² woonoppervlakte en 12 kamers.

Property details

Object type
House
Building type
Villa
Construction type
Existing
Insulation
Dakisolatie, Muurisolatie en dubbel glas
Insulation level
Partial
Heating
Cv ketel
Garden quality
Aan te leggen
Maintenance inside
Goed
Maintenance outside
Goed
Home quality
Eenvoudig
Erfpacht
No
WOZ value
€ 293.000 (2024) · Neighbourhood
Location tags
Busy road, Centre, Open view

Suggested bid

Estimated value € 422.000
Neighbourhood average (2024)
€ 293.000
Index 2024 → 2026
×1.152
Indexed WOZ
€ 337.445
Markup +€ 84.555
House size correction
€ 84.555
44% confidence, no comparables
bid
ask estimate
350k 400k 450k 500k 550k 600k 650k
Your bid 450k – 480k
Bid is inaccurate because it is derived from the neighbourhood WOZ. A better estimate will be available soon.

Mortgage

Your bid € 480.000
Total required € 480.000
Bid amount
€ 480.000
Own money € 500.000
Furniture, art & reserve
€ 50.000
Transfer tax (k.k., 2%)
€ 9.600
Mortgage advice
€ 2.000
Notary fees
€ 1.500
Valuation
€ 600
Bank guarantee
€ 500
Building inspection
€ 500
Land registry
€ 100
NHG guarantee fee
€ 180
Own money used for the house
€ 435.020
Need to borrow € 44.980
11% LTV.
Net monthly term € 246
30-year linear · 3.79%
Tax break € 21
Gross monthly payment
€ 267
Annual mortgage interest
€ 1.705
Eigenwoningforfait (0.35% × WOZ)
€ 1.026
Deductible interest
€ 679
Tax rate
37.48%
Annual tax benefit
€ 254
Monthly tax benefit
€ 21
Net monthly payment
€ 246
NHG 3.8y break-even
LTV
11%
Assumed discount
0.15%
NHG limit
€ 470.000
NHG fee
€ 180
Monthly interest saving (est.)
€ 4
Break-even
3.8 years
10-year net benefit (est.)
€ 300
Interest rate
3.79%
Extra monthly cost € 0
Erfpacht
€ 0
Total monthly cost € 246

Location

Address
Nieuwstad 44a 7241 DR Lochem
Travel time to work
94 minutes

Why it scored -550

Strengths

Size & layout

Living area is 470 m² +60
6 bedrooms +20

Building

House type is vrijstaande woning +50

Price & market

Price per m² is €1340 +40

Ownership & costs

Freehold, no erfpacht +30

Outdoor & parking

Garden present +25

Condition

Inside maintenance is good +25
Outside maintenance is good +25

Environment

Low NO2 (8.7 µg/m³) +10
Low PM2.5 (8.7 µg/m³) +10
No major road noise nearby +10

Location

Open view +10

Travel

36 minutes by car to Deventer +10

Deductions

Travel

94 minutes by car to work -400

Building

Built in 1867 (159 years old) -100
BAG usage has no residential function (kantoorfunctie) -100

Energy

Roof faces north and has no solar panels -50
Insulation is partially insulated -20
Heating system is CV ketel -10

Neighbourhood

Neighbourhood has many low-income households (44.8%) -40
Neighbourhood has many residents on social assistance (4.0%) -40
Leefbaarometer class is Ruim voldoende (6/9) -25

Price & market

Price is 215% of the WOZ value -30

Location

Located on a busy road -25
Located in a city centre -10

Condition

Home quality is basic -25