Why does a lone mortgage distort net worth?
A mortgage is usually the largest line item in personal finances. If you add it without the property it covers, net worth will show only the debt — easily several hundred thousand below zero, even though your real wealth is positive. The number on screen starts to feel like the truth, while the truth looks very different.
It's not laziness, it's asymmetry: debt reminds you of itself every month, a flat just sits there. Martia now notices the gap.
How does Martia prompt for it now?
After you save a new mortgage, Martia asks plainly: should I also add the property it's tied to? If you say yes, it opens the form with a suggested starting value equal to the mortgage amount — you can adjust it to a current market valuation, e.g. from Otodom.
If the mortgage was added earlier and isn't linked to any asset, the Liabilities section shows a gentle bar suggesting you complete it. No lecture — one click, and net worth starts to reflect the real picture.
Veelgestelde vragen
No. Martia suggests a starting value equal to the mortgage amount, but you can adjust it — e.g. with an Otodom estimate or a formal appraisal. Net worth will already be closer to reality than without the property at all.
You can dismiss the reminder with the X, or pick "Not now" in the prompt after saving the mortgage. Nothing breaks — Martia will simply show net worth with the mortgage alone.
Begin je financiën te volgen met Martia
Koppel je bankrekening en volg automatisch uitgaven, plan budgetten en analyseer trends — allemaal op één plek.
Aan de slag