Duurzaam Leven Lening Eigenaren
Borrow for insulation, solar panels and other energy-saving home improvements in Rheden if another lender has rejected financing for the same costs.
Beskrivningen av den här finansieringen finns för närvarande på engelska.
This consumer loan finances necessary materials and work for approved energy-saving improvements to your home and its outbuildings. Eligible examples include roof, wall, floor and glazing insulation, insulated doors and draught sealing, solar panels and solar water heating, LED lighting and ventilation with heat recovery.
You can borrow €2,500–€25,000. The maximum term is 10 years up to and including €15,000, and 15 years from €15,001. SVn sets the final amount after its financial assessment and offers an annuity loan: you repay borrowed money and interest through instalments. Money is provided through a construction account for the approved work.
The applicable rate follows the six-month Euribor rate used by Bank Nederlandse Gemeenten, plus one percentage point. The published rate is reviewed on 1 January and 1 July; the municipal allocation date determines the rate for your application, even if you submit the next-stage application after a rate review. An interim review is possible if money-market rates or SVn rates require it, and SVn’s product specifications and implementation rules take precedence. Check the individual SVn offer for the borrowing terms.
Eligibility
- You must own and live in a home in the municipality of Rheden. Joint owners apply together. At least one applicant must be under 76 when SVn receives the application; only the income of the applicant under 76 is counted.
- This route is for applicants who cannot obtain financing from Warmtefonds or another lender for the same costs. Provide written proof that your application was rejected. The municipality checks this requirement, including where another lender could finance part of the costs.
- The work must not have started or been completed when you apply. The municipality must accept the measures and consider their actual costs reasonable for the expected result.
- You cannot obtain another loan for the same building or home if an earlier allocation already awarded the programme maximum. Incorrect information or failure to meet the rules can lead to refusal or withdrawal of the allocation.
- Municipal approval reserves funds; it does not guarantee the loan. SVn conducts a separate financial assessment and can refuse financing.
How to apply
- Status
- Öppet löpande
- Villkor för ansökningsomgången
- Subject to available annual/category budget; complete applications are handled in order of receipt.[^c4]
Apply to Gemeente Rheden through the online Duurzaam Leven Lening Eigenaren form, using DigiD. Include the proposed measures, a financial explanation such as quotations, an implementation schedule and the lender’s written rejection. Submit before work begins.
After municipal approval, apply to SVn for its financial assessment and individual loan offer. SVn provides and manages the loan if the assessment is positive.
Applications are handled in the order they become complete. Funds are limited by the annual and category budgets; applications stop being considered once the relevant annual category budget is reached. If information is missing, the municipality gives you four weeks to complete it; an incomplete application after that period is not considered. The municipality normally decides within eight weeks of receiving a complete application.