{"id":3203,"date":"2024-06-16T05:35:54","date_gmt":"2024-06-16T05:35:54","guid":{"rendered":"http:\/\/localhost\/dpetkovski\/?p=3203"},"modified":"2024-06-16T05:38:12","modified_gmt":"2024-06-16T05:38:12","slug":"linear-vs-annuity-mortgage-the-netherlands","status":"publish","type":"post","link":"http:\/\/localhost\/dpetkovski\/linear-vs-annuity-mortgage-the-netherlands\/","title":{"rendered":"Linear vs Annuity Mortgage (The Netherlands)"},"content":{"rendered":"<p>Many expats in the Netherlands aren\u2019t sure whether to get a <strong>linear mortgage\u00a0<\/strong>or an\u00a0<strong>annuity mortgage<\/strong>.<\/p>\n<p>In this post, I will explain the differences between linear vs annuity mortgages.<\/p>\n<p>This will allow you to avoid overspending on a cookie-cutter solution from a financial advisor.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_60 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-white ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-677368103e3ec\" ><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input aria-label=\"Toggle\" aria-label=\"item-677368103e3ec\"  type=\"checkbox\" id=\"item-677368103e3ec\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/localhost\/dpetkovski\/linear-vs-annuity-mortgage-the-netherlands\/#Annuity_Mortgage\" title=\"Annuity Mortgage\">Annuity Mortgage<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/localhost\/dpetkovski\/linear-vs-annuity-mortgage-the-netherlands\/#Pros_and_Cons_Annuity_Mortgage\" title=\"Pros and Cons (Annuity Mortgage)\">Pros and Cons (Annuity Mortgage)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/localhost\/dpetkovski\/linear-vs-annuity-mortgage-the-netherlands\/#Linear_Mortgage\" title=\"Linear Mortgage\">Linear Mortgage<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/localhost\/dpetkovski\/linear-vs-annuity-mortgage-the-netherlands\/#Pros_and_Cons_Linear_Mortgage\" title=\"Pros and Cons (Linear Mortgage)\">Pros and Cons (Linear Mortgage)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/localhost\/dpetkovski\/linear-vs-annuity-mortgage-the-netherlands\/#Interest_Types_Fixed_vs_Variable\" title=\"Interest Types: Fixed vs Variable\">Interest Types: Fixed vs Variable<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"http:\/\/localhost\/dpetkovski\/linear-vs-annuity-mortgage-the-netherlands\/#Variable_Rate_Explained\" title=\"Variable Rate Explained\">Variable Rate Explained<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"http:\/\/localhost\/dpetkovski\/linear-vs-annuity-mortgage-the-netherlands\/#Fixed_Rate_Explained\" title=\"Fixed Rate Explained\">Fixed Rate Explained<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"http:\/\/localhost\/dpetkovski\/linear-vs-annuity-mortgage-the-netherlands\/#Fixed_vs_Variable_Rate_or_a_Combination_of_Both\" title=\"Fixed vs Variable Rate or a\u00a0Combination of Both\">Fixed vs Variable Rate or a\u00a0Combination of Both<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"http:\/\/localhost\/dpetkovski\/linear-vs-annuity-mortgage-the-netherlands\/#The_Verdict_Linear_vs_Annuity_Mortgage\" title=\"The Verdict: Linear vs Annuity Mortgage\">The Verdict: Linear vs Annuity Mortgage<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"http:\/\/localhost\/dpetkovski\/linear-vs-annuity-mortgage-the-netherlands\/#My_Preference\" title=\"My Preference\">My Preference<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"http:\/\/localhost\/dpetkovski\/linear-vs-annuity-mortgage-the-netherlands\/#Next_Steps_Linear_vs_Annuity_Mortgage\" title=\"Next Steps: Linear vs Annuity Mortgage\">Next Steps: Linear vs Annuity Mortgage<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Annuity_Mortgage\"><\/span>Annuity Mortgage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Annuity mortgage<\/strong>\u00a0is the most common type of mortgage in the Netherlands. And in the world, actually. This is the \u201cdefault\u201d mortgage you\u2019d get in most places.<\/p>\n<p>With an annuity mortgage, the amount you\u2019ll pay per month will be the same throughout the whole mortgage duration.<\/p>\n<p>However,\u00a0<strong>in the first years<\/strong>, the greater chunk of the payments will be\u00a0<strong>interest<\/strong>, while the principal will be\u00a0<strong>paid out later<\/strong>.<\/p>\n<p>This is shown in the picture below.<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-3204\" src=\"http:\/\/localhost\/dpetkovski\/wp-content\/uploads\/2024\/06\/annuity.png\" alt=\"annuity mortgage\" width=\"2100\" height=\"1500\" \/><\/p>\n<p>As you can see, at the beginning the payments consist mostly of interest.<\/p>\n<p>The actual repayment catches up later in the process.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pros_and_Cons_Annuity_Mortgage\"><\/span>Pros and Cons (Annuity Mortgage)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The interest is tax deductible.<\/p>\n<p>This means that during the first years, the borrower will get a large chunk of his payments back through tax returns.<\/p>\n<p>In other words, the\u00a0<strong>net amount<\/strong>\u00a0spent on housing will be lower in the first part of the mortgage duration.<\/p>\n<p>This makes the annuity mortgage appealing for people expecting to earn more in the future.<\/p>\n<p>However, you hardly build any equity in your home during the first half of the mortgage duration. This will also make the total interest paid higher throughout the full duration.<\/p>\n<p>For most people, the idea of <em>\u201cpaying less today\u201d<\/em> seems quite appealing but they end up paying more in the long run.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Linear_Mortgage\"><\/span>Linear Mortgage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Linear mortgage<\/strong>\u00a0is another option for people looking to finance their homes.<\/p>\n<p>Similar as the previous type, the monthly payments consist of part interest and part principal. But there is a difference:<\/p>\n<p>Basically, the\u00a0<strong>principal amount<\/strong>\u00a0paid out per month is a\u00a0<strong>fixed amount<\/strong>, while the interest payments\u00a0<strong>decrease over time<\/strong>.<\/p>\n<p>This is shown in the picture below.<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-3205\" src=\"http:\/\/localhost\/dpetkovski\/wp-content\/uploads\/2024\/06\/linear.png\" alt=\"linear mortgage\" width=\"2100\" height=\"1500\" \/><\/p>\n<p>As you can see, the debt repayment is the same throughout the mortgage duration.<\/p>\n<p>But the interest is calculated on the remaining amount each year.<\/p>\n<p>And since the interest is based on the outstanding principal, the\u00a0<strong>interest payments decrease over time<\/strong>, as more of the debt is repaid.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pros_and_Cons_Linear_Mortgage\"><\/span>Pros and Cons (Linear Mortgage)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Since the interest payments are lower, that means lower tax returns.<\/p>\n<p>In other words: the\u00a0<strong>net housing costs<\/strong>\u00a0will be higher at the beginning.<\/p>\n<p>However, as more of the principal gets repaid, the full monthly payments keep lowering over time.<\/p>\n<p>So linear mortgage means <strong>faster reduction of debt<\/strong>, or in other words, building more equity as early as possible.<\/p>\n<p>And since the principal is repaid earlier, the\u00a0<strong>total interest paid<\/strong>\u00a0will be lower over the mortgage duration.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Interest_Types_Fixed_vs_Variable\"><\/span>Interest Types: Fixed vs Variable<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Once you\u2019re set on the linear vs annuity debate, it\u2019s time to decide on a\u00a0<strong>fixed or variable interest rate<\/strong>. Or something in between.<\/p>\n<p>Let me explain.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Variable_Rate_Explained\"><\/span>Variable Rate Explained<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A fully\u00a0<strong>variable\u00a0<\/strong>rate means that your mortgage rate will be adjusted based on the current rates every year.<\/p>\n<p>For example, the current rates may be 3.5%. But next year they may fall to 3% or increase to 4%.<\/p>\n<p>This leaves the borrower exposed to IR risk, as a rate increase would mean higher monthly payments. But at the same time, allows people that expect rate cuts to get a lower mortgage rate later.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Fixed_Rate_Explained\"><\/span>Fixed Rate Explained<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A fully\u00a0<strong>fixed\u00a0<\/strong>rate means that the interest rate will be fixed over the full duration of the mortgage.<\/p>\n<p>The amount itself is calculated based on the current rates. However, there is a\u00a0<em>\u201cpremium\u201d<\/em>\u00a0added for the 30 year uncertainty going forward.<\/p>\n<p>However, although it\u2019s higher today, it leaves the borrower with the peace of mind.<\/p>\n<p>Basically, no economic factor will make him pay crazy-high rates in the future.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Fixed_vs_Variable_Rate_or_a_Combination_of_Both\"><\/span>Fixed vs Variable Rate or a\u00a0Combination of Both<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>There is a third option:<\/p>\n<p>The banks allow people to\u00a0<strong>fix the mortgage rates<\/strong>\u00a0for a\u00a0<strong>part of the duration<\/strong>.<\/p>\n<p>For example, you could get a\u00a0<strong>10 year fixed mortgage<\/strong>. This\u00a0means that your rate will be\u00a0<strong>fixed during the first 10 years<\/strong>\u00a0and will be\u00a0<strong>variable afterwards<\/strong>.<\/p>\n<p>This might be a good balance for people that are buying a\u00a0<em>\u201cstarter home\u201d <\/em>(i.e. a they plan to upgrade within 10 years). The shorter period you&#8217;re fixing the rate for the lower it will be, as the banks have less uncertainty.<\/p>\n<p>Of course, any evaluation depends on the current interest rates and the financial circumstances of the buyer.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Verdict_Linear_vs_Annuity_Mortgage\"><\/span>The Verdict: Linear vs Annuity Mortgage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Guess what I\u2019m about to say.<\/p>\n<p>Exactly \u2013 it depends.<\/p>\n<p>Your current situation, family status, spending habits, risk aversion, future earning potential, forecasts of the housing market and the economy, etc. all have an impact of this decision.<\/p>\n<p>So yes, it really depends on <strong>everything<\/strong>.<\/p>\n<p>That\u2019s why you need to sit down and run the numbers.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"My_Preference\"><\/span>My Preference<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<hr \/>\n<p><em><strong>First of all,\u00a0a disclaimer:<\/strong> I did my evaluation in 2019, in a completely different economic environment. Although no conclusions are eternally applicable, insights into another buyer&#8217;s thought processes should be beneficial.<\/em><\/p>\n<hr \/>\n<p>What made most sense to me is finding a mortgage provider that allows <strong>penalty free extra repayments <\/strong>and getting a <strong>linear mortgage<\/strong> (for more efficient debt reduction) with a <strong>10 year fixed rate<\/strong>. This meant fixing the rate to <strong>1.7%<\/strong>.<\/p>\n<p>Given the <a href=\"https:\/\/dpetkovski.com\/inflation-explained\">two-digit inflation<\/a> in the upcoming years, this was a great decision. Also, a &lt;2% rate is historically and objectively low.<\/p>\n<p>Then, although you can repay more than the monthly payments, don\u2019t do it aggressively. This way, you can enjoy tax benefits and\u00a0<strong>not<\/strong>\u00a0accumulate\u00a0<a href=\"https:\/\/dpetkovski.com\/opportunity-cost-with-a-twist\" target=\"_blank\" rel=\"noopener\">opportunity cost<\/a>\u00a0by putting all your money in your primary residence.<\/p>\n<p>And in 10 years, after you already paid out around a third of the home, assess your situation. If you see that the upcoming rates are high, make use of the repayment possibility and lower the principal amount. Or maybe you&#8217;d want to relocate by then. This heavily relies on personal circumstances to speak in objective terms.<\/p>\n<p>But\u00a0<strong>remember<\/strong>, all personal finance related topics require\u00a0<strong>ongoing reevaluation<\/strong>.<\/p>\n<p>And whenever you face uncertainties and need to take risk, just make sure it\u2019s <strong>calculated<\/strong>, get it?<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Next_Steps_Linear_vs_Annuity_Mortgage\"><\/span>Next Steps: Linear vs Annuity Mortgage<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Needless to say, nothing I wrote is financial advice.<\/p>\n<p><strong>And you don\u2019t need it.<\/strong><\/p>\n<p>Save what you would\u2019ve spent on advice and make your own decision.<\/p>\n<p>You can always confirm your thought process with the\u00a0<em>free and non-committing<\/em>\u00a0introductory meetings all mortgage advisors offer.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many expats in the Netherlands aren&rsquo;t sure whether to get a linear mortgage&nbsp;or an&nbsp;annuity mortgage. In this post, I will explain the differences between linear vs annuity mortgages. This will allow you to avoid overspending on a cookie-cutter solution from a financial advisor. Annuity Mortgage Annuity mortgage&nbsp;is the most common type of mortgage in the&nbsp;&hellip;<\/p>\n","protected":false},"author":1,"featured_media":3206,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13,21],"tags":[],"ppma_author":[4],"class_list":["post-3203","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-economics","category-netherlands"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Linear vs Annuity Mortgage (The Netherlands) - D. 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Petkovski","@id":"http:\/\/localhost\/dpetkovski\/#\/schema\/person\/ce4d9bf1ba43635723c9d1b513b58049"},"headline":"Linear vs Annuity Mortgage (The Netherlands)","datePublished":"2024-06-16T05:35:54+00:00","dateModified":"2024-06-16T05:38:12+00:00","mainEntityOfPage":{"@id":"http:\/\/localhost\/dpetkovski\/linear-vs-annuity-mortgage-the-netherlands\/"},"wordCount":1087,"publisher":{"@id":"http:\/\/localhost\/dpetkovski\/#\/schema\/person\/ce4d9bf1ba43635723c9d1b513b58049"},"articleSection":["Finance &amp; Economics","Netherlands"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"http:\/\/localhost\/dpetkovski\/linear-vs-annuity-mortgage-the-netherlands\/","url":"http:\/\/localhost\/dpetkovski\/linear-vs-annuity-mortgage-the-netherlands\/","name":"Linear vs Annuity Mortgage (The Netherlands) - D. 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Petkovski \ud83d\udcd3 The Author\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Husband &amp; Father Software Engineer\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0StrengthCentric \u20bfitcoin Hodler\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0Long-Term Investor\u00a0 \ud83c\udf0d Everything Enthusiast \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\ud83d\udd25 Optimist READ MORE","sameAs":["https:\/\/facebook.com\/dpetkovski","https:\/\/www.instagram.com\/strengthcentric\/","https:\/\/twitter.com\/petkovskix"],"url":"http:\/\/localhost\/dpetkovski\/author\/petkovski\/"}]}},"authors":[{"term_id":4,"user_id":1,"is_guest":0,"slug":"petkovski","display_name":"D. Petkovski","avatar_url":"https:\/\/secure.gravatar.com\/avatar\/?s=96&d=mm&r=g","user_url":"","last_name":"","first_name":"","description":"<span style=\"font-size: 23px\">D. Petkovski<\/span> <br> <br>\r\n\r\n\ud83d\udcd3 The Author\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0  \u00a0 \u00a0 \u00a0 \u00a0<span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\"><img class=\"emoji\" role=\"img\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f46a.svg\" alt=\"\ud83d\udc6a\" \/> Husband &amp; Father <\/span>\r\n<br>\r\n<span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\"><img class=\"emoji\" role=\"img\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f5a5.svg\" alt=\"\ud83d\udda5\ufe0f\" \/> Software Engineer\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <\/span><span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\"><img class=\"emoji\" role=\"img\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f4aa.svg\" alt=\"\ud83d\udcaa\" \/><\/span><span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\">\u00a0StrengthCentric <\/span>\r\n<br>\r\n<span class=\"r-18u37iz\"><img class=\"r-4qtqp9 r-dflpy8 r-zw8f10 r-10akycc r-h9hxbl r-9cviqr\" src=\"https:\/\/assets.coingecko.com\/coins\/images\/1\/large\/bitcoin.png?1696501400\" alt=\"\u20bf\" width=\"20\" height=\"20\" \/><\/span> \u20bfitcoin <span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\">Hodler\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0   \u00a0                            \u00a0 \u00a0 \u00a0<\/span><span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\"><img class=\"emoji\" role=\"img\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f4c8.svg\" alt=\"\ud83d\udcc8\" \/><\/span>\u00a0<span class=\"r-18u37iz\">Long-Term Investor<\/span><span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\">\u00a0<\/span>\r\n<br>\r\n\ud83c\udf0d Everything Enthusiast              \u00a0 \u00a0 \u00a0 \u00a0   \u00a0 \u00a0 \u00a0              \u00a0   \u00a0\ud83d\udd25 Optimist <br>\r\n\r\n<p style=\"text-align: left;margin-top:35px\"><a href=\"https:\/\/dpetkovski.com\/about\"><span style=\"background: #15d798;border-radius: 11px;padding: 13px 27px;color: #ffffff;font-weight: bold;font-size: 20px\">READ MORE<\/span><\/a><p>"}],"_links":{"self":[{"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/posts\/3203","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/comments?post=3203"}],"version-history":[{"count":20,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/posts\/3203\/revisions"}],"predecessor-version":[{"id":3287,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/posts\/3203\/revisions\/3287"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/media\/3206"}],"wp:attachment":[{"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/media?parent=3203"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/categories?post=3203"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/tags?post=3203"},{"taxonomy":"author","embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/ppma_author?post=3203"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}