Toekomstbestendig Wonen personal loan
Borrow €2,500–€35,000 for energy improvements to an owner-occupied home in Heerde with energy label C, D, E, F or G, with optional work to help you live there longer.
Αυτή η ευκαιρία είναι προς το παρόν διαθέσιμη στα Αγγλικά.
This personal-loan route pays for at least one energy-saving or energy-generating measure, such as roof or floor insulation or solar panels. You can combine that work with a stairlift or ground-floor bedroom or bathroom, asbestos removal, demolition of old outbuildings or foundation repairs.
The interest rate is 2.6% and stays fixed for the loan term. You repay through regular payments containing interest and repayment of the borrowed balance. Loans up to and including €15,000 run for 10 years; loans from €15,001 run for 15 years. There is no arrangement fee. A financial adviser’s charges are your responsibility.
SVn holds the money in a building depot and pays approved invoices to contractors. If you have already paid an invoice, reimbursement requires proof of payment and SVn approval. You must pay any invoice amount exceeding the remaining depot balance yourself; you cannot deposit your own money into the depot. Any banking charges for payments are passed on to you.
The depot normally lasts 12 months. You may request one extension of up to 12 months. It closes when the money is used or the work is finished, and after no more than 24 months. SVn may also close it after six months without transactions. Any unused balance at closure repays part of your loan.
You can repay early without a fee, with a minimum extra repayment of €250. SVn then adjusts the regular payment; if it falls below €35, SVn may shorten the term. The loan must still be repaid if your contractor fails to carry out its agreement. Each joint borrower is liable for the whole debt.
Late payment attracts statutory interest and may incur administration or collection charges. SVn can demand immediate repayment after at least two months of arrears if you still fail to pay after formal notice; if you leave, or are reasonably expected soon to leave, your permanent residence in the Netherlands; on bankruptcy or admission to statutory personal debt restructuring; or after deliberate material misinformation, including misuse of the loan. After a borrower dies, immediate repayment applies only if SVn has good reason to expect the loan obligations will not be met.
Eligibility
- The personal loan is for an existing home in Heerde. You must own it and live there, or be moving into it. Movers must supply the purchase agreement. Your home must have energy label C, D, E, F or G.
- You must be no older than 75 when applying. SVn assesses whether your finances are stable enough to cover the new payments alongside existing costs, looking at income, household, housing and work circumstances. Home equity does not determine eligibility for this route.
- The works must not have started when you apply. You must already have any required planning permit, or the work must not need one.
- Include at least one energy measure. The works must not place too much strain on the electricity grid. The municipality assesses measures not on its list if they fit the programme’s objectives.
- For cavity-wall insulation, comply with wildlife law and the nature calendar that governs when work may be done, and use a contractor certified for nature-friendly insulation. Insulation glazing must be HR++, HR+++ or have no higher U-value; insulating window frames must have a U-value no higher than 1.2. A lower U-value means less heat escapes through the material.
- The requested loan must not exceed the quotation, and your supporting documents must be complete. Municipal approval is followed by a separate SVn credit decision.
How to apply
- Κατάσταση
- Ανοιχτό συνεχώς
- Όροι του κύκλου αιτήσεων
- Apply before the works start. Municipal approval and a separate SVn credit assessment are required.
Apply first to the municipality of Heerde through the digital loan application using DigiD. Alternatively, send the completed paper form and supporting documents to Gemeente Heerde, Afdeling Ruimte, Ondernemen en Wonen, Postbus 175, 8180 AD Heerde, or email a scan to gemeente@heerde.nl with the subject “Aanvraag lening Toekomstbestendig Wonen”. Include at least one quotation, budget, cost breakdown or project plan, and a purchase agreement if you are moving into the home.
The municipality assesses the application within eight weeks; it warns that holiday processing can take longer. If approved, use its allocation letter to apply to SVn. SVn performs the credit assessment. If SVn approves, sign and return its offer; the loan then starts immediately. Submit invoices to SVn for payment from the building depot.