Toekomstbestendig Wonen loan
Borrow for energy improvements to your owner-occupied home in Barneveld, with fixed interest and the option to include asbestos removal or adaptations for living at home longer.
Esta oportunidad está disponible actualmente en inglés.
This entry covers the personal loan for owner-occupiers. You can finance approved energy measures such as insulation, solar panels and triple glazing. At least one energy measure must be included, even when you also borrow for asbestos removal, foundation repair or adaptations such as an accessible bathroom. UF-foam insulation is excluded. Home batteries have a maximum capacity of 15 kWh, and a heat pump requires sufficient capacity on the local electricity grid.
Borrow €2,500–€35,000 at 2.6% interest, fixed for the loan term. The maximum term is 10 years for amounts up to €15,000 and 15 years from €15,001. Your fixed monthly payment covers interest and repayment of the amount borrowed. Repaid money cannot be borrowed again. The €35,000 maximum also applies to your combined applications for the same home.
SVn holds the money in a renovation account, called a bouwdepot, and pays the contractors' invoices. If you have paid an invoice yourself, provide proof of payment for reimbursement after approval. The account normally runs for 12 months and can be extended once by up to 12 months. It closes earlier when fully used or when the work is finished; SVn may also close it after six months without transactions. Money left at closure repays the loan. Any shortfall must come from your own funds, which cannot be deposited in the account. Account credit interest applies for up to 12 months at the rate in your loan documents and offsets the periodic payment.
There are no closing fees; any financial adviser you choose is at your expense. Extra repayment is free, with a minimum of €250 each time. SVn adjusts the periodic payment after partial early repayment and may shorten the term if that payment falls below €35. You must repay the loan even if your contractor does not fulfil the agreement. SVn supplies this product without financial advice.
Each joint borrower is liable for the whole debt. Late payments attract statutory interest and may incur administration or collection charges. The whole balance can become due if you remain in default after notice following at least two months' arrears; leave or are expected soon to leave your permanent residence in the Netherlands; enter bankruptcy or statutory personal debt restructuring; knowingly supply materially false information; or die and SVn has grounds to expect nonpayment. Materially false information includes failure to use the loan fully for the agreed measures.
Eligibility
- You must own a home in the municipality of Barneveld and live there, or intend to live there, as your main residence. If it has several owners, they apply jointly. At least one applicant must be younger than 76 when submitting the loan application to SVn.
- The home must be accessible directly from street level, with at least one floor meeting ground level. Apartments forming part of an owners' association (VvE) are excluded.
- The scheme targets homes needing the most improvement, using energy labels C–G as its guideline. The municipality checks energielabel.nl and decides applicability when label data are missing. It may exclude homes whose energy performance has recently improved substantially.
- Special cases can be approved by the municipality in consultation with Gelderland and, where applicable, SVn. Examples include a label-B home needing adaptations for living at home longer, foundation repair or asbestos removal. An energy-improvement measure remains compulsory.
- Measures must avoid disproportionate strain on the electricity grid without suitable solutions. An exception requires prior consultation with Gelderland and/or SVn and either consultation with the regional network operator or demonstrated alignment with municipal heating plans.
- Apply before the work starts. Approved actual costs must be at least €2,500 and reasonable relative to the result. Municipal approval depends on sufficient budget; approval reserves funding but does not guarantee a loan.
- SVn assesses whether your financial situation is stable enough for the new monthly payment alongside existing expenses, considering income, household, housing and work circumstances. Home equity does not determine this personal-loan assessment. SVn can refuse the loan after municipal approval.
How to apply
- Estado
- Abierto continuamente
- Condiciones de la convocatoria
- Submit before work starts. Applications are processed in order received and refused when the budget is insufficient.
Submit your plans to the Municipality of Barneveld through its DigiD assessment form. Include the measures, quotes or other financial justification, details of equipment, and a work schedule. Check whether your building plans require an environmental permit. The municipality considers applications in order received and decides within eight weeks of a complete application. If information is missing, you have four weeks to complete it; missing that limit means the application will not be processed. A late municipal decision does not mean approval.
After a positive municipal decision, submit its allocation letter and the requested information to SVn for the credit assessment. Only a positive SVn assessment leads to a loan offer and renovation account. Incorrect application information or failure to establish the loan leads to withdrawal of the municipal allocation.