Legal questions about renting and registration?


Questioner

I live in a house I own in Amstelveen, which still has a mortgage. My girlfriend also lives in Amstelveen in a rental house. Now the plan is to rent out my house and move in with my girlfriend, What is the tax situation and can I be registered at both addresses?

Lawyer

No, that is illegal. You must register where you live (an address). In addition, you will need permission from the bank for renting and your girlfriend may need to obtain permission from the landlord for the new co-occupant.

Questioner

Thank you very much for this valuable information. A friend said this to me; Is not the right question. First, do not tell the bank that you are renting. Second, remain registered at your current address. And you can indicate to the benefits agency that you are living together. And if the bank makes things difficult if they ever find out, then you pay off the last part If I wanted to do this, I would be doing something illegal, and I don't feel like doing that. But what are the consequences?

Lawyer

The bank can indeed make the residual debt immediately payable; if cohabitation is suspected and you or your girlfriend receive benefits, the excess benefits received can be included in a collection plus 100% fine. If the landlord suspects cohabitation without permission, the rental agreement can be terminated. Furthermore, it seems very useful to me to insert an interim period in which you do not yet register. If you rent out the home, you should keep in mind that the tenant cannot register unless he has a room with you on paper (otherwise you may become each other's benefits partner). You can rent out a room without losing the mortgage interest deduction on condition that you rent the room below the room rental exemption threshold. The tenant can make a problem of the fact that he cannot apply for rent benefit because he does not rent an independent home.

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