You have plans to buy a house in the Netherlands.
When applying for a mortgage, the mortgage agent will make an calculation of your maximum mortgage based on your annual income. If the 30% ruling has been granted to you, the 30% ruling allowance will be included in the calculation.
The calculation of the maximum mortgage will be based on your annual income including the 30% ruling allowance for the period you are still eligible for the 30% ruling in future years.
Annual income: EUR 100.000
Allowance based on the 30% ruling EUR 42.857 (30/70 x EUR 100.000)
Income for mortgage calculation* EUR 142.857
Income for mortgage calculation** EUR 100.000
* for the duration of the 30% ruling
** when the 30% ruling has ended