Types of Homeowners' Association Loans and Their Characteristics

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

Types of loans and their characteristics

1. Small homeowners’ association (2 to 7 apartment units):

  • The Future-Proof Housing Loan for Small Homeowners' Associations is provided on an annuity basis from a construction loan account.
  • A private deed will be drawn up for the Future-Proof Housing Loan for Small Homeowners' Associations.
  • The interest rate for the Future-Proof Housing Loan for Small Homeowners’ Associations is 2.6% for loans backed by the NHG and 2.8% for those without NHG backing. The interest rate is fixed for the term of the loan.
  • The term of the Future-Proof Housing 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 €25,000 per apartment unit, with a maximum of €175,000 per small homeowners’ association.
  • The Future-Proof Housing Loan for Small Homeowners’ Associations is offered in two ways: with or without an NHG guarantee. The applicant chooses between the two options. The municipality then approves the selected option.

2. Large homeowners’ association (8 or more apartment units):

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