Types of loans for owners' associations 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. Small homeowners' association (2 to 7 apartment rights relating to residential space):

  • The Future-Proof Living Loan for Small Homeowners' Associations is provided on an annuity basis from a building fund.
  • A private deed will be drawn up for the Future-Proof Living Loan for Small Homeowners' Associations.
  • The interest rate for the Future-Proof Living Loan for Small Homeowners' Associations is 2.6% for loans with an NHG guarantee and 2.8% without an NHG guarantee. The interest rate is fixed for the duration of the loan.
  • The term of the Future-Proof Living Loan for Small Homeowners' Associations, with or without an NHG guarantee, is 20 years.
  • The minimum loan amount is €5,000 per small homeowners' association, up to a maximum of €25,000 per apartment right, with a maximum of €175,000 per small homeowners' association.
  • The Future-Proof Living Loan for Small Homeowners' Associations is offered in two ways: with and without an NHG guarantee. The applicant chooses between the two options. The municipality assigns the chosen variant.

2. Large homeowners' association (8 or more apartment rights relating to residential space):

  • The Future-Proof Living Loan for Large Homeowners' Associations is provided on an annuity basis from a building fund.
  • A private deed will be drawn up for the Future-Proof Living Loan Large Homeowners' Association.
  • The interest rate for the Future-Proof Living Loan for Large Homeowners' Associations is 2.8%. The interest rate is fixed for the duration of the loan.
  • The term of the Future-Proof Living Loan for Large Homeowners' Associations is:
    • 180 months for loan amounts from €20,000 to €500,000
    • 240 months for loan amounts from €500,000 to €1,000,000
    • 300 months for loan amounts from €1,000,000 to €2,500,000
  • The minimum loan amount is €20,000 per large homeowners' association, up to a maximum of €35,000 per apartment right, with a maximum of €2,500,000 per large homeowners' association.