What types of loans are available?

Consumer loan

• Minimum loan amount for all measures: €2,500,
• Up to €35,000 for all measures covered by the Future-Proof Housing Scheme
• The loan is drawn down from a building savings account
• The loan is granted for consumer purposes and is an annuity loan in accordance with SVn’s specifications and rules
• Interest rate 2.6%
• No closing fees
• The term for a loan of up to €15,000 is 10 years
• The term for a loan of €15,001 or more is 15 years
• Applications may be made up to the age of 75
• With the exception of foundation repairs

Silver plating

• Mortgage loan
• A minimum of €2,500 and a maximum of €35,000
• The loan is drawn down from a building savings account
• The loan is secured by a mortgage in accordance with SVn’s specifications and rules
• Minimum age: 10 years before the statutory state pension age (58+); no maximum age
• No monthly payments, disposable income remains the same
• Original loan and arrears of interest become due upon the sale of the property
• Term: 75 years, with interest accruing for a maximum of 40 years
• Up to 80% of the WOZ value, including other registrations
• Interest rate 1.7%
• Closing costs: €500

Tailor-made loan

• Mortgage loan
• A minimum of €2,500 and a maximum of €35,000
• The loan is drawn down from a building savings account
• The loan is secured by a mortgage and is an annuity loan in accordance with SVn’s specifications and rules
• Applications may only be made for asbestos removal or foundation repair, combined with at least one energy-efficiency measure
• Monthly payments based on ability to pay; no direct debit for the first 3 years
• Periodic credit assessment after 3, 6, 10 and 15 years
• Maximum term of 30 years
• Interest rate 1.7%
• No age restriction
• Closing costs: €950
• Residual debt guarantee provided by the province / local authority

SVn Assessment

Customers taking out a loan must have sufficient creditworthiness. The SVn (Dutch Public Housing Incentive Fund) assesses whether this is the case. Neither the Energiepunt nor the SVn advise customers on which loan is most suitable for them. If you are in any doubt or need advice on how the loan will affect your financial situation, you can seek advice from a financial adviser.

If your project is eligible for a loan, the local authority will issue you with an authorisation to apply for the sustainability loan from SVn. They will carry out a financial assessment. This assessment determines whether you are actually eligible for the loan, which will then be granted by SVn. Among other things, SVn holds an AFM licence to offer mortgage and consumer credit.