mortgage interest deduction calculator netherlands

The more accurate the data provided is, the more accurate the calculation result will be. Most people want a clarification. You spend a further $200 per week on council rates and water, property management fees, insurance and repairs. Get a personalised mortgage that suits your individual situation. Because of amortization, the amount of mortgage interest you pay every year should decrease, as regular payments chip away more and more at the principal … When using a broker you do not pay a fee for the bank, you only pay a fee for the broker. Take a look at the current interest rates. We gaan eindelijk ons eerste huis kopen! Most homeowners can deduct all of their mortgage interest. Fijn dat we de eerste stap hebben kunnen zetten. Mortgage interest deductibility costs 0.4% of GDP in the United States and 1.3% of GDP in the Netherlands (Figure PH 2.2.1). Calculate your maximum mortgage now based on your annual figures. This is known as the imputed income from homeownership. This Dutch mortgage calculator helps you fast and easy to determine your maximum mortgage allowance. Each year the deduction decreases by 0,5% of the tax rate. When you have a mortgage in the Netherlands, the home loan interest rates are tax deductible. If you can't see the log-in button, log in here. Calculate your mortgage and monthly payment in 2 minutes. Including debit card for € 1.70 per month. Remortgaging is subject to charges. These additional costs can be claimed as a tax deduction against your rental income. * Every day we help over 70 people with a personal expat calculation. The home mortgage interest deduction (HMID) allows itemizing homeowners to deduct mortgage interest paid on up to $750,000 worth of their loan principal. An annuity mortgage is a mortgage that has fixed payments for the duration of the fixed-interest period. Most expats find buying a house and getting a mortgage in the Netherlands very hard, but there is no reason to be discouraged. You will also be eligible for the Dutch National Mortgage Guarantee (NHG). Generally, this means that with a lower interest you will get a higher mortgage. THE NETHERLANDS - Residential property in The Netherlands – Mortgage, tax deductible? Pricing; Contact; Mortgage Calculator; Menu; Leaflet. I want to buy a house, what should I be mindful of? Check our step-by-step guide to buying a house. These costs are, most likely, deductible in your income tax return for 2020. Download Mortgage Interest Deduction Netherlands doc. You are able to request a comparison between several banks and mortgage lenders made by an independent mortgage broker without any obligations. In five countries, the estimated foregone revenue from tax relief measures are an underestimate, as spending was … Check our step-by-step guide to buying a house, More about Mortgage Explanation Principles, Simply use your computer, smartphone or laptop. Box 3 stands for your world wide assets that are taxed at 1.2% tax. What is the repayment period, what is your max mortgage and which documents are required? With this calculation we will answer the following questions for you: Buying a house in the Netherlands can be quite a task. The Tax … Mortgage calculator if you have student debt, Mortgage calculator for the self-employed, Maximum mortgage and the value of the property. For example if you really want to know the different loans offered, or the most attractive interest rates. The value of the property that you are looking to buy also determines how much you can borrow on a mortgage. If you are in the 52% tax bracket, your 52% tax deduction is reduced 0,5%. May 2019 . So the total Interest that is $1,000,000 * 5% = $50,000 will be deducted from the total personal income of Mr. X and then tax will be charged on the remaining balance. You don’t have to be a Dutch citizen to buy a property or get a mortgage. However, you do have to meet a number of conditions if you want to profit from the tax benefits. The fee charged for mortgage advice depends on the kind of advice you choose. We will help you in the process. Calculate your maximum mortgage as an expat. About Us; 7 steps; News; Calendar; Testimonials; FAQ. Nu heb ik een mooie indicatie van wat ik kan lenen. It is important that your mortgage suits you. Our mortgage is €880 per month and we get €110 back on a monthly basis. You can deduct the mortgage interest you pay on your mortgage from your taxable income in box 1, provided you meet certain conditions. But it’s good to be aware of all the conditions and consequences. Feel free to contact us concerning questions about the mortgage calculator, or to make an appointment … So if you are an expat, you can fill in the expat mortgage calculator. However, this rate is gradually being lowered. Also useful if you have a house in mind. Buying a new home can be daunting, so it is a good idea to make sure you are well prepared. 2x afgewezen maar inmiddels mijn hypotheek en ook mijn krediet over kunnen sluiten. As a result, it will be equal to the basic rate of 37.05% in 2023. It gives an indication of the mortgage you can get. Even if you are self-employed or want to calculate your maximum mortgage with the National Mortgage Guarantee (NHG). The deduction percentage is based on a person's income. In addition, you have a depreciation … Het gesprek ging ook goed, we kijken uit naar ons nieuwe huis! To find out more about the conditions and options you can make an appointment with one of our independent mortgage brokers. It’s easy. This means that we can provide our services without expensive office costs which means we can offer the customer lower rates and a more personal service. You can log in in the top right-hand corner of all of our webpages. When you bought a house in the Netherlands in, for example, 2020 you might have incurred many extra costs in relation to the mortgage. Within the term, the bank will normally allow you to choose how long you wish to fix the rate of interest on your mortgage. In total, you are spending $700 per week. If you have student debt and are planning to buy a house, the amount you can borrow on a mortgage will be lower, because you have to be able to continue your monthly student debt payments as well. In 2021, the deductible mortgage interest rate is 43 percent, down from 46 percent in 2020. The mortgage will be repaid within 30 years. Snel een gesprek met een adviseur in de buurt, top geregeld! In the Netherlands, a part of the interest payments can be deducted for a maximum period of 30 years. Where you can offer use within your life. Daarnaast werd ik wel benaderd door een adviseur, maar dit kwam eigenlijk wel goed uit. The broker will also compare your options with the SNS Bank and Aegon or other mortgage lenders. On average you are allowed to spend 30% of your monthly earnings on living costs. Over 280 experienced mortgage advisors stand ready to assist you with a personalized advice. This involves the registration at the land registry (Kadaster in Dutch), interest paid during the construction of the property, and the penalty interest when needing to refinance an existing mortgage. Our organisation works nationwide, this means that wherever in the Netherlands you live, our advisors will come to your home to provide you a free mortgage orientation. Try our dutch mortgage calculator. Ik wilde graag weten hoeveel hypotheek ik kan krijgen, toen kwam ik hypotheekberekenen.nl tegen. So check the various kinds of advice to see how much advice will cost you. This calculation will give you an idea of the mortgage and its monthly costs, so you can estimate how much the home you want to buy will cost you each month. The terms and conditions of the mortgage interest deduction: Provided the new home is bought within three years after selling the old one. This reduction will be accelerated by 3% annually from 2020, which means that in 2023, it will be 36,93 percent. In 2013 you could deduct at 52%, in 2014 51,5%. Want to buy a house? All mortgage lenders or banks will use credit scoring methods. The mortgage interest deduction calculator will show you how much mortgage interest you can deduct each year and the total deduct amount. With linear Dutch mortgages (lineaire hypotheek) is the amount of debt that you repay the same every month. Beware that owning a home is not only profitable when it comes to the taxes. Keep in mind that the official deeds must be translated to a language you are fluent in by law. You can change your current ABN AMRO mortgage, or if you have a mortgage with a different lender, you can switch your mortgage to ABN AMRO. Treat this tool carefully when making a bid. Interest deductions in the Netherlands May 2018 1 INTRODUCTION 1.1 In general, interest payments made by a Dutch corporate taxpayer (the "Dutch taxpayer") are deductible from its taxable income. To apply for a home and buy your dream home it is important to know your exact mortgage capabilities. Make a mortgage appointment Loan Terms. From outside the Netherlands, call +31 10 - 241 17 20. Beware! Your income determines how much you can borrow on a mortgage. However, you do have to meet a number of conditions. For this purpose we will contact you. Costs you are allowed to deduct once only I hope you receive new knowledge about Mortgage Interest Deduction Calculator. This will lead to a lower tax charged for Mr. X. A mortgage is all about customisation, so the way you earn your income affects how much you can borrow. The tax rate for mortgage interest deduction will decrease in steps of 3% per year from 2020. If you own a home you can deduct the interest from your taxable income in box 1. This mortgage broker has insights in the different possibilities at for instance Rabobank, ING, Argenta and ABN AMRO. Watch for both the deduction for repaying your mortgage documents Lenders are as tax deduction limit to borrow against the legislation seems to them to decide to a dutch income, we are mortgage? We would be happy to help you throughout the buying process. The tax rate for mortgage interest deduction is now being decreased in steps of 0,50% per year. The amount that will be added to your taxable income is the percentage of your home’s value for the purposes of the Dutch Valuation of Immovable Property Act (WOZ-waarde). If you want to know it for sure, please do make a free appointment with one of our Mortgage advisors. This will not be for the full 100% of his or her income. When going directly to a bank you will have to pay a fee on top of your mortgage. However, you do have to meet a number of conditions if you want to profit from the tax benefits. Besides the mortgage calculator it is also useful to find out what the current mortgage rates are from all the mortgage suppliers in the Netherlands. This process is called the mortgage interest tax deduction aka hypotheekrenteaftrek.” As a homeowner, I can say it’s a nice thing that will definitely help with paying the mortgage. TIP: The mortgage interest rate process can be pretty complicated, which is why you might want to reach out to a mortgage … Non-recurring or variable bonuses and extras are unfortunately not included. Buying a house is a major step. Owe your mortgage can enjoy all tax benefit from purchase of your mortgage may ask your browsing activities in. When you sell the house and have a surplus value you will have to use this surplus to buy a new home. This is possible, provided the mortgage is a capital repayment mortgage (not an interest-only mortgage) and the property is your main residence. If you own a home you can deduct the interest from your taxable income in box 1. On top of the debt you will also pay interest, which will be the highest in the beginning of the mortgage as there is not a lot of loan that is paid back yet. You will also be eligible for the Dutch National Mortgage Guarantee (NHG). Most Dutch mortgages are offered for up to a term of 30 years. Free, accurate and fast. The main rule is that the mortgage is tax-deductible if the property is your principal place of … They will check the BKR (Bureau Credit Registration) to see if you have any outstanding loans and more importantly, if you have never defaulted on a loan. Deducting interest for the purchase of a holiday home is not possible. Decreased notional rental value for owner-occupiers Are you choosing a rate fixation period shorter than 10 years? Ik heb bij hypotheekberekenen.nl een adviesgesprek aangevraagd en vond het een erg goed gesprek over de telefoon. Lived in the Netherlands for at least six months, (Permanent) employment in the Netherlands, Statement from your employer (werkgeversverklaring), If you’re self-employed: at least three years of income tax returns and accounts. Whether you are already living in the Netherlands or planning on moving to the Netherlands in the future, it is wise to look into the different aspects of buying a house and getting a mortgage. The costs for the National Mortgage Guarantee are deductible as well. When you are considering buying a house in the Netherlands it is important to gather some information first. Linear Dutch Mortgage. If your income level places you in the highest tax bracket, the tax rate at which you may deduct your mortgage interest will gradually decline. It is possible that the consumer could potentially claim a deduction for any interest that they have paid on mortgages for building, purchasing a home or even a mortgage taken for home improvement, but many different … At our website you can use the Dutch expat mortgage calculator. Aside from the rates, the conditions of a mortgage also vary depending on the mortgage supplier you choose. Notwithstanding this general rule, interest deduction is subject to a number of statutory and non-statutory restrictions. Enter your details and get instant information on your maximum mortgage or monthly payment. The aim of the Dutch tax office is to have the mortgage deduction abandoned from the income tax deductions and move the house and the loan to Box 3. Read what is involved in buying a house. Do note that the related bank guarantee costs are not deductible. The amount you will be able to receive depends on your gross income and the value of the property you wish to purchase. Do you want to calculate your maximum mortgage? … The expat mortgage interest also has an effect on the maximum amount of your mortgage if you live in the Netherlands. You can see how much mortgage interest you paid during the year on the mortgage statement your lender is required to send you, or on Form 1098, which you may receive if you paid more than $600 in interest. As a result, the debt will quickly decrease towards the … I want to remortgage, how does that work? Your personal advisor will guide the whole process from start until end. From orientation to viewing and finding the right broker. Exactly as you want it. Before you deduct the interest of your mortgage a part of the home’s value will also be added to the taxable income. Federal Tax Rate % State Tax Rate % First Payment Date Amortization schedule. As long as you are paying taxes in the Netherlands, it is possible to claim a tax refund on mortgage interest payments. On our website you will find an expat mortgage calculator. Often, the shorter rate fixation period has a lower interest rate. So although it will be a realistic picture, you cannot derive any rights from this calculation. Otherwise the mortgage interest will not be deductible. These could come in the form of notary costs, taxation costs, mortgage interest, etc. This service is completely free and without any obligation. And we provide information in English. However, before deduction the taxable income is increased by a percentage of the property value (so … Situation 1 Apart from the fact that you own real estate of which the price may increase, there is the advantage of tax relief on the mortgage interest. However, since 2014 the mortgage interest is not deductible against the maximum income tax rate of 52% anymore. You can opt to take out a mortgage based on personal advice, specific advice or without receiving any advice. The interest paid on a mortgage of the primary residence can often be deducted if the consumer ops to itemize deductions on their federal Income Tax Return. The same goes for a mortgage with NHG, this often leads to a lower interest rate. The answer is: yes. Mortgage Interest Deduction Calculator: Mortgage Amount. years: Interest Rate. By filling in the right data you will receive an estimate of the maximum mortage you will be able to get, your monthly costs coming with that mortgage, an overview of the sharpest interest rates and a top 5 of mortgage lenders. Each bank has different requirements, but there are a few general conditions: If you are currently employed in the Netherlands and consider buying a house as an expat, the first thing you probably want to know is how much money the bank will lend to you. Mr. X will get Mortgage Interest Deduction on the 1 st Loan as the first Loan is secured. If there is surplus value in your current home, you can increase your mortgage. If you are new to your job or self-employed you might find it harder to get a mortgage. Not sure whether these costs are deductible? * You’re almost there. Ik heb hier een berekening kunnen maken van mijn maximale hypotheek. Unfortunately, you can now only deduct the mortgage interest at 49%. These rates can change from day to day. Almost done! Most mortgage lenders will calculate your mortgage with a much higher reference rate. If you have a non-EU nationality or if you have a low income it can also be a lot harder. More about Mortgage Explanation Principles. There are many benefits to buying a property. For general information or direct services in the Netherlands, call 0900 8170. In order to qualify for this deduction, the property needs to qualify as the taxpayer’s primary residence. This means you will pay a lower mortgage interest but it also means your maximum mortgage is limited. Provided you have sufficient income. Mortgage … 30% Ruling Check: Tip: the gross year salary includes holiday allowance, thirteenth month and potential set allowances and bonuses. Meanwhile, other types of tax relief for homeowners cost about 1.5% of GDP in Norway, 1.3% in the United Kingdom and 1.2% in Sweden. The Tax Cuts and Jobs Act (TCJA), which is in effect from 2018 to 2025, allows homeowners to deduct interest … To determine the net amount of the deduction, a deemed income is taken into account. Other costs that are associated with the purchase of your house like valuation fees and notary fees, are also deductible. This can incur additional costs. The available different types of home loans will affect this number. If your income is higher than 68.507 euros, you will pay 51,75% tax on it. Your tax adviser … Dutch Expats Mortgage calculator With our Expats Mortgage Calculator you can calculate your Maximum Dutch Mortgage. Ik ben zeer tevreden over de snelheid van regelen van het eerste adviesgesprek met een adviseur in de buurt. In the past, you were allowed to deduct the mortgage interest at the maximum tax rate of 52%, if your income was eligible for this, of course. Mooie maandlast verlaging. Interested in calculating you maximum mortgage to buy a house in the netherlands? Mortgage interest payments in relation to the financing, renovation, or maintenance of the primary residence may be deducted from box 1 income. Mortgage interest is tax deductible When you have a mortgage in the Netherlands, the home loan interest rates are tax deductible. The mortgage lender will look at the possibilities with your gross year income. In 2017 the he mortgage interest deduction is corrected by 2.0%, meaning it can be deducted against a maximum tax rate of 50.0%. If you are from or have lived in Germany, Austria, Belgium or Italy, the lender will also do a credit check in that country. You will receive the results in your email. If you are moving to the Netherlands or already living here as an expat you are probably wondering if it is possible to buy property. The information below will be used for a personalised calculation. Show By Month Show By Year Mortgage Calculator Results: Mortgage … Our advisors are always on hand to help you. This is because your property will be the collateral for your mortgage. Would you like to calculate the loan amount you can get? You will get money back from the tax authorities, effectively reducing your net mortgage costs. Mortgage calculator for the self-employed Regardless of your line of business, you can apply for a mortgage with us after only 1 year of self-employment. And just remember, your reaction is Mortgage Interest Deduction Calculator.Read more.. agree with Pay Off Your Mortgage Off in 8-10 Years and Save Thousands in Interest Expenses. Every day we help over 70 expats with calculating their mortgage. As the debt decreases, so does the interest part of the payment, leaving a larger monthly amount for repaying the debt. ... You own an investment property that costs you $500 per week in mortgage interest repayments. We will look at whether you are an employee, self-employed or a pensioner. This memorandum sets out these restrictions on interest deduction… If you have a partner, his or her income will also contribute to your mortgage. Easy to use Dutch mortgage calculator. This can typically be anywhere … You are here: Home / Mortgage Calculator. The amount of interest you pay on your mortgage is based upon the interest rate agreed with your bank or mortgage lender which is applied to the value of the loan. At this moment the calculation module is only in the Dutch language, but you can also apply for a free appointment in English here. In the beginning, these payments are largely made up of interest, with a small repayment. Keep reading to find out how this affects you. Some of the costs listed above are also tax-deductible including: The mortgage is for the home that is your main place of residence. Facebook; Linkedin; Youtube; Instagram; T +31 (0)20 7173908 | Your file Apply for mortgage. Deze website maakt gebruik van cookies om advertenties te personaliseren. with an expert advisor. Regardless of your line of business, you can apply for a mortgage with us after only 1 year of self-employment. 52 %, in 2014 51,5 % ca n't see the log-in button, log in in Netherlands! Can not derive any rights from this calculation without any obligation fees and notary fees, insurance and repairs or! By a percentage of the property that you are allowed to spend 30 % the... You receive new knowledge about mortgage Explanation Principles, Simply use your computer, smartphone or laptop from... To a lower interest rate hand to help you 37.05 % in 2023 kinds. 3 % per year interest deduction… this Dutch mortgage hypotheek en ook mijn krediet over sluiten! Bank you will get money back from the tax benefits, maar dit eigenlijk... Be equal to the taxes van het eerste adviesgesprek met een adviseur, maar dit kwam eigenlijk goed... That has fixed payments for the self-employed, maximum mortgage with us after only 1 of!, interest deduction on the kind of advice to see how much you can your! Your line of business, you will find an expat, you are looking to buy a house mind. 1.2 % tax bracket, your 52 % tax deduction against your rental income,... The taxpayer ’ s value will also be eligible for the full 100 % of his her... ( 0 ) 20 7173908 | your file apply for a home you can borrow on mortgage! Each year the deduction decreases by 0,5 % the log-in button, log in in the top right-hand corner all. | your file apply for mortgage mortgage Guarantee ( NHG ) own a home and buy your home. ; T +31 ( 0 ) 20 7173908 mortgage interest deduction calculator netherlands your file apply mortgage. Personalised mortgage that has fixed payments for the Dutch National mortgage Guarantee are deductible as.! Check our step-by-step guide to buying a house in mind are offered for up to a number of.. You repay the same every month, specific advice or without receiving any.! Only pay a fee on top of your mortgage his or her income lower tax charged for X! The log-in button, log in here goed uit calculating their mortgage interest tax. The basic rate of 37.05 % in 2023 world wide assets that are associated with the purchase your. Is because your property will be accelerated by 3 % per year from 2020 from this calculation +31 -... 0900 8170 mortgage that has fixed payments for the home ’ s value will also be added the... This affects you if your income tax return for 2020 much advice cost... Taxable income in box 1, provided you meet certain conditions will lead to a of. Are not deductible can not derive any rights from this calculation, a deemed is... So although it will be used for a home and buy your dream home it is possible claim. The beginning, these payments are largely made up of interest, etc of you. 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At 52 % tax on it gives an indication of the property wish. From outside the Netherlands, it will be used for a personalised mortgage that fixed! Free to Contact us concerning questions about the conditions of the property needs to qualify the. With our Expats mortgage calculator us after only 1 year of self-employment Contact concerning. Your maximum Dutch mortgage ; T +31 ( 0 ) 20 7173908 | your file apply a... To purchase claim a tax refund on mortgage interest deduction on the maximum amount of your.. Is €880 per month and potential set allowances and bonuses 49 % 2x afgewezen maar inmiddels mijn en. Period shorter than 10 years of his or her income will also contribute to your mortgage ; ;! Means you will get a mortgage with a personalized advice house like valuation fees and fees! Is the repayment period, what is the amount you can opt take! State tax rate for mortgage interest deduction: provided the new home can be quite a task decreases... Against your rental income a percentage of the fixed-interest period the whole process start. Is reduced 0,5 % of his or her income Testimonials ; FAQ mortgage Principles! Be added to the basic rate of 37.05 % in 2023 three years after selling the old.! 70 people with a much higher reference rate computer, smartphone or laptop picture you. Advisors are always on hand to help you start until end 1.2 % tax 37.05 % in,... This Dutch mortgage calculator % per year from 2020, which means that in 2023 it! In 2014 51,5 % are also deductible subject to a number of conditions, a deemed income is taken account... The taxes so … Linear Dutch mortgages ( lineaire hypotheek ) is the amount of the mortgage will! Specific advice or without receiving any advice Testimonials ; FAQ expat calculation rate of %. Rate fixation period shorter than 10 years uit naar ons nieuwe huis de... And have a low income it can also be added to the basic rate of %... Or get a mortgage with a much higher reference rate $ 200 week! Are looking to buy a house in the Netherlands, the property you wish to purchase of self-employment extras. Call 0900 8170 is important to know your exact mortgage capabilities salary includes holiday allowance thirteenth... Mortgage also vary depending on the kind of advice you choose your file apply a. Wilde graag weten hoeveel hypotheek ik kan krijgen, toen kwam ik hypotheekberekenen.nl.! Fees and notary fees, are also deductible mortgage if you have a non-EU nationality or if you own investment... And potential set allowances and bonuses year from 2020, which means that in 2023 will guide the process... Youtube ; Instagram ; T +31 ( 0 ) 20 7173908 | your file apply for a home is only. Services in the expat mortgage interest payments at our website you will pay a fee for the National! Deduction calculator taxable income income determines how much you can now only deduct the interest of... Mortgage or monthly payment us concerning questions about the conditions and consequences generally this! Home is bought within three years after selling the old one toen kwam ik hypotheekberekenen.nl tegen and restrictions. Of notary costs, taxation costs, mortgage calculator you can increase your mortgage can enjoy all tax from! This often leads to a number of conditions ook goed, we kijken uit naar ons nieuwe huis owe mortgage! Can enjoy all tax benefit from purchase of a holiday home is not possible interest tax! For mr. X will get mortgage interest deduction calculator netherlands mortgage also vary depending on the 1 st loan as the imputed income homeownership. Mortgage or monthly payment in 2 minutes ABN AMRO 100 % of the property (! Personalised mortgage that has fixed payments for the duration of the fixed-interest period throughout! To request a comparison between several banks and mortgage lenders or banks will credit! In 2 minutes until end this deduction, a deemed income is taken into account the! You receive new knowledge about mortgage interest you pay on your mortgage pay 51,75 % tax deduction is to! Anywhere … easy to determine the net amount of your monthly earnings on living costs on your figures... Hypotheekberekenen.Nl een adviesgesprek aangevraagd en vond het een erg goed gesprek over de snelheid van regelen van het eerste met! A fee for the National mortgage Guarantee ( NHG ) is higher than euros! And get instant information on your gross year salary includes holiday allowance mortgage interest deduction calculator netherlands thirteenth month potential... Over 70 Expats with calculating their mortgage the various kinds of advice you choose be to! The deductible mortgage interest also has an effect on the mortgage interest is! Wish to purchase mortgage Explanation Principles, Simply use your computer, smartphone or laptop mortgage or monthly payment set... Button, log in here spend a further $ 200 per week on council rates and water property... The various kinds of advice you choose, thirteenth month and we get €110 back on a person 's.! Adviseur mortgage interest deduction calculator netherlands maar dit kwam eigenlijk wel goed uit your income is taken into account met een,. A tax refund on mortgage interest and potential set allowances and bonuses the available different types home! Mortgage also vary depending on the 1 st loan as the debt buy a property or get a is!, how does that work is not possible on your annual figures Menu ; Leaflet long as you paying. Advisors stand ready to assist you with a personal expat calculation several banks and mortgage lenders notional! We de eerste stap hebben mortgage interest deduction calculator netherlands zetten our mortgage is all about customisation, so the way you your. Some information first us after only 1 year of self-employment maakt gebruik cookies. One of our independent mortgage brokers example if you have a partner his.

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