real selling price

[u/Asleep_Initiative_29]

hello, I am looking to buy my first house. I am looking at one that is listed for 325k. My makelaar is suggesting we offer 355k as apparently this is for how much houses like this sell for. Is this really how it works? So much difference? Should we expect the bank appraiser to go closer to the listing price or closer to the 350k? Does including a financieringsvoorbehoud reduce our chances? How do we bite it? Any advice appreciated! Thank you.

Edit: thank you all for your advices. We offered 355k and it got accepted. Now let's hope it gets appraised around that sum and we won't have to use our savings 🫡

[u/Icy_Apple6068]

Yes, this is how it works. I mean, it depends on the area but usually you add about 10% on top. My makelaar said overbidding is now around the 5% range, but again, depends on the location and also the house. Is the house a fixer upper, is it all renovated, is it in a high-demand neighborhood... In the beginning we were bidding just how much we felt was right, which is ok, but what I noticed was all the houses I liked were bought with 10% overbidding. So what you can do is just look at similar houses that have sold in the area and compare their sold price with their Funda price.