A werkgeversverklaring is the standard Dutch employer statement used by banks and mortgage providers to verify an applicant's employment and income. The form follows a model prescribed by the Nederlandse Vereniging van Banken and the Stichting Waarborgfonds Eigen Woningen (NHG), ensuring that lenders receive consistent and comparable information across employers.
The statement confirms key facts such as job title, contract type, start date, gross salary, holiday allowance, structural bonuses, and any outstanding wage deductions. It also records whether the employer has any intention to terminate the contract and, for fixed-term contracts, whether a declaration of intent (intentieverklaring) to convert to an indefinite contract has been issued. Both documents together substantially improve the borrower's mortgage position.
Employers must complete the form fully, sign it in original, and stamp it with the company stamp where used. A werkgeversverklaring is generally valid for three months from signing. Flex workers, agency staff, and payroll employees receive tailored versions appropriate to their contract form.