Sustainable Living Loan

What do you need to know

• The program Social Housing Stimulation Fund (SVn) issues the loan
• The Sustainable Housing Loan is a loan with a low interest rate
• You must live in the home for which you are applying for the loan

Homeowners

• Personal loan
  • You can apply for this loan if you are between 18 and 75 years old
  • You do not need to go to the notary
  • You pay a fixed monthly amount and a fixed interest rate of 1,6%
  • The loan amount is a minimum of 2.500 and a maximum of 25.000 euros
  • Up to amounts of 15.000 euros the term is 10 years. From 15.000 euros the term is 15 years
• Mortgage loan 10 years
  • Your home serves as collateral
  • The loan amount is a minimum of 2.500 and a maximum of 25.000 euros
  • You pay a fixed monthly amount and a fixed interest rate of 1,6%
  • The term is 10 years
• Mortgage loan 20 years
  • Your home serves as collateral
  • The loan amount is a minimum of 25.001 and a maximum of 50.000 euros
  • You pay a fixed monthly amount and a fixed interest rate of 2%
  • The term is 20 years
• cash-in loan
  • You are 58 years or older when you apply for the loan. If there are two applicants, this applies to both of you.
  • The loan amount is a minimum of 2.500 and a maximum of 50.000 euros
  • You have no additional monthly costs
  • You only pay off the loan when you sell your house, which you do with the equity in your house
  • The interest rate is determined at the time of conclusion and is fixed for 40 years
  • The term is 75 years
  • Via website of SVn You can make a free trial calculation to see how much you can borrow.

What is equity? 

You have equity in your home if the difference between the market value of your home and the mortgage is positive. For example: your home is worth €300.000 and your mortgage is €240.000 at that time. Then you have €60.000 equity.

Owners Association

The budget for the Incentive Loan for small and large homeowners' associations in Hilversum has been depleted. Therefore, you can no longer apply for a new loan.

What can you use the loan for

Insulation

• Cavity wall insulation
• Interior wall insulation
• Exterior wall insulation
• Floor insulation
• roof insulation
• Soil insulation
• Replacing windows
• Replace glass
• green roof

Nature-inclusive building

• Ecological quick scan for private individuals: investigates which animals and plants live there
• Facility for building-related species: to create habitats in and around the house for, for example, house sparrows, swifts and bats
• Built-in nesting boxes: incubators in the building

Ventilation

These measures only apply if the insulation is also improved.

• Replacement ventilation box with DC motor
• Balanced ventilation with heat recovery (WTW)
• Non central ventilation with HRV
• Shower water HRV

Generating energy

• Solar panels
• solar water heaters

Heating and cooling

• Low temperature heating (LTV)
• Heat pump
• Infrared heater

Other measures

• New techniques in the field of saving energy, generating sustainable energy and sustainable heat
• Gas shutdown costs
• Home and Neighborhood Batteries
• charging station
• (Home) energy management system (EMS): A home energy management system can coordinate energy consumption, generation and storage
• Proven measures and adaptations that help cope with the changing climate
• Costs incurred to get the loan:
  • Closing costs
  • Notary fees
  • Financial advisor fees

Insulate nature-friendly

Many buildings are also home to protected animals such as bats, swifts, and house sparrows. When insulating your roof or cavity wall, there is a risk that you may disturb or even kill these animals. Therefore, it has been agreed nationwide to work according to the code of conduct for nature-friendly insulation. Always engage a specialist who has completed the 'nature-friendly insulation' course. This prevents you from disturbing or killing animals and helps you avoid fines. You can find companies that have completed this course at natuurvriendelijkisoleren.nl.

What do you have to do

• You log in and fill in the form
• You send the quotations of the planned adjustments

After your request

• The municipality will assess your application. This takes an average of 6 weeks, but can take up to 8 weeks
• We may decide not to grant you a loan if we do not have sufficient budget for this.
• If the municipality agrees, you will receive a letter. With this you can apply for the loan at Social Housing Stimulation Fund (SVn)
• SVn will then investigate your application financially
• If SVn agrees, you will receive a quote that you must approve
• SVn then gives the loan

also look at

• Subsidy check Energieloket Gemeente Hilversum
• Energy desk Municipality of Hilversum
• Nature-inclusive building