Private loan types and associated characteristics

To make your home future-proof, you can choose from various types of loans. For each loan, at least one energy measure must be part of the planned investments.

Types of loans and associated characteristics

1. The ‘Future-Proof Living Loan’: 

  • Provided as a personal loan from a building fund
  • Is a minimum of €2,500 and a maximum of €35,000
  • Has a maximum term of 10 years for amounts up to €15,000 and a maximum of 15 years for amounts from €15,001 onwards.
  • Has an interest rate of 2.6%
  • Is an annuity loan and complies with the product specifications of the SVn Incentive Loan.

2. The ‘Future-Proof Living Loan’:

  • Is a mortgage provided from a building deposit account?
  • Is a minimum of €2,500 and a maximum of €35,000
  • Has an interest rate of 1.7%
  • The 'Future-Proof Living Cash Loan' has no interest or repayment obligations during the term. The interest is added to the principal amount annually. The principal amount with compound interest is payable upon sale. The Future-Proof Living Loan is in accordance with the product specifications of SVn's Verzilverlening loan.

3. The ‘Future-Proof Living Customized Loan’:

  • Is a mortgage provided from a building deposit account?
  • Is a minimum of €2,500 and a maximum of €35,000
  • The term is a maximum of 30 years.
  • Has an interest rate of 0.0%
  • The Future-Proof Living Customized Loan is provided with a residual debt guarantee by the municipality and province.
  • The ‘Future-Proof Living Customized Loan’ is an annuity loan with a combination loan and complies with the product specifications of SVn’s Customized Loan.
  • The Future-Proof Living Customized Loan is always tailored to necessary investments for asbestos removal and/or foundation repair or sustainability in a collective approach and cannot be used generically.