AOW pension - You live in the same house as your tenant or landlord/landlady

If you rent out part of your accommodation to someone, or if you rent accommodation yourself and live in the same house as your landlord or landlady, you may have a 'commercial relationship'.

When are you considered to have a commercial relationship?

You have a commercial relationship if you live in the same house as someone and you meet the following conditions:

• you have a written tenancy or lodging agreement, and
• the contract states general market prices, not special small amounts for friends or relatives, and
• income from rent is reported to the Tax Administration (insofar as it is obligatory to do so), and
• you have documentary evidence of rent/letting, e.g. a contract, bank statements or, if applicable, a tax return

You can read more about this in the leaflet 'voorwaarden commerciële relatie' (currently only available in Dutch), which you can find on the 'Leaflets and forms' page.

The amount of your AOW pension will stay the same

If you start living with someone, you will normally receive an AOW pension based on 50% of the net minimum wage. However, if you have a commercial relationship with the person you share a house with, you will continue to receive an AOW pension at the rate for a single person, which is based on 70% of the net minimum wage.