Duurzaam Wonen
Borrow €2,500–€30,000 alongside an ASN mortgage for permanent energy-saving or climate-adaptation improvements to your own home in the Netherlands.
Denne finansieringsmuligheten er foreløpig beskrevet på engelsk.
Duurzaam Wonen is a mortgage component with a lower interest rate for sustainable home improvements. You repay the money with interest; it is secured on your home. Eligible work includes insulation, glazing rated at least HR++, rainwater-retention roofs and underground rainwater-infiltration crates. The offer also covers listed measures for plants and wildlife, which have a separate purpose from energy savings and climate adaptation.
Choose full repayment within 30 years: either an annuity mortgage, with a fixed combined monthly interest-and-principal payment while the rate is unchanged, or a linear mortgage, with the same principal repayment each month plus interest on the remaining debt. The rate is reset after the agreed fixed-rate period, so monthly payments can change. Borrowing above €30,000 falls under ordinary ASN mortgage rates.
Eligibility
- You must own and live in the home, which must be in the Netherlands. Maintain and insure it; renting it out requires ASN’s permission, even temporarily. You need an ASN mortgage alongside this component; it is unavailable with the Bespaarhypotheek. ASN assesses the loan against your income, property value and measure costs.
- Each measure must belong to the homeowner, must not be freestanding or easily removable, and must pass to the next occupant when the property is sold. Air conditioning and potted plants are excluded. Use the official measures list to check the conditions for your chosen work.
- Only energy-saving measures listed in the Tijdelijke regeling hypothecair krediet (the Dutch mortgage-credit rules) can qualify for borrowing up to 106% of the property value, subject to the lender’s assessment. Solar water heaters, anchored freestanding chargers, climate-adaptation and nature measures remain within 100% of the property value.
- If the renovation deposit will not cover the total work costs, you must pay the difference. Joint borrowers are each responsible for the entire loan. Obtain ASN’s written permission before renovation.
How to apply
- Status
- Løpende søknader
- Vilkår for søknadsrunden
- Subject to mortgage credit assessment.
Book a free orientation meeting with an ASN mortgage adviser through the appointment page. Advice after that meeting and arranging the mortgage carry costs. The adviser assesses your borrowing and the eligible improvements.
After the mortgage deed is signed at the notary, ASN places the improvement money in a renovation deposit: a restricted account used to pay for the work. Invoices must clearly identify the measures. Money left after two years, or when you close the deposit earlier, is used to repay this loan component.
You can repay early without an interest-loss charge using your own money; borrowed money does not count as your own. Changing the fixed-rate period early may incur an interest-loss charge. If you move your mortgage to another home, existing Duurzaam Wonen components convert to ordinary ASN annuity or linear components and their rate is adjusted.