Geldzaken de Podcast Thijs Verlangen: De nieuwste belastingtrucs die de Belastingdienst niet wil dat jij kent in 2026
Oct 2, 2025
Tax advisor Thijs Verlangen joins to unravel the intricacies of the new Box 3 tax regulations set for 2026. He discusses strategies to keep your assets below the taxable threshold and the benefits of BV/DGA structures. Thijs unveils clever techniques for villa tax and how to use loans strategically. He also covers the future of mortgage deductions, investing for children, and the importance of timely tax planning. With insights on simplifying the tax system, Thijs empowers listeners to navigate their finances smarter.
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Use A Holding/BV For Liquid Investments
- Move liquid investments into a holding/BV to remove them from your private Box 3 if that fits your situation.
- Keep only real estate WOZ values in private where possible to minimize Box 3 exposure.
Article 3.119 Can Change Loan Tax Treatment
- Article 3.119 can reclassify a loan from Box 3 to Box 1 if specific annuity or linear repayment conditions apply.
- Structuring loans to meet or avoid 3.119 criteria materially changes tax treatment of housing loans.
Restructure Mortgage Tranches Strategically
- Split or alter mortgage tranches so they don't meet 3.119 annuity/linear rules to push portions into Box 3 when advantageous.
- Model interest rate cost versus Box 3 tax to decide if reclassifying tranches is worth it.
