Would you like to borrow money to make your home more sustainable? For example, with a loan for solar panels? Then you have several options. You can apply for a Sustainability Loan, borrow money from the National Heat Fund (Nationaal Warmtefonds), or choose a Personal Loan from ING.
"}},{"componentType":"sectionTitle","title":"What is a sustainability loan?"},{"componentType":"paragraph","richBody":{"value":"Een duurzaamheidslening is een lening die je gebruikt om bijvoorbeeld je woning te verduurzamen. Het geld dat je leent, gebruik je voor investeringen zoals isolatie, een warmtepomp, zonnepanelen, HR++ glas, of andere duurzame aanpassingen.
De specifieke SVn Duurzaamheidslening (meer over de SVn Duurzaamheidslening) is een lening bij je gemeente voor een lagere rente. Je gemeente bepaalt dan waar je het geld voor kunt gebruiken. Let op: deze lening is niet in iedere gemeente beschikbaar.
"}},{"componentType":"sectionTitle","title":"Subsidy for renovation"},{"componentType":"paragraph","richBody":{"value":"The government offers a subsidy to help make your home more sustainable: the Investment Subsidy for Sustainable Energy and Energy Saving (ISDE). The amount of subsidy you receive depends on the type of renovation you plan to carry out. Which and how many sustainability measures will you have installed? Are you looking for a loan for solar panels or another sustainable measure?
You can find more information about applying for this subsidy on the website.
"}},{"componentType":"sectionTitle","title":"Conditions and costs"},{"componentType":"paragraph","richBody":{"value":"The following conditions apply to the SVn Sustainability Loan:
You can view the current interest rates here.
"}},{"componentType":"sectionTitle","title":"Applying for a sustainability loan"},{"componentType":"paragraph","richBody":{"value":"Would you like to specifically apply for the SVn Sustainability Loan? This is a personal loan from your municipality with a low interest rate (lower than a loan from a bank). The term is 10 to 15 years.
To apply for the Sustainability Loan, go to the SVn Loan Finder to check whether your municipality participates.
If it does, contact your municipality to request approval. You will then receive an allocation letter that allows you to actually apply for the loan.
The municipality determines what you may use the loan for. You cannot independently decide to borrow money for solar panels if that measure is not approved by the municipality.
"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"What if I’m not eligible for a Sustainability Loan?","richBody":{"value":"There are also other options. For example, borrowing money from the National Heat Fund, or choosing a Personal Loan from ING.
"}},{"title":"Do I have to be the occupant of the property that is being made more sustainable?","richBody":{"value":"Yes, for the SVn Sustainability Loan it is mandatory that you are both the owner and the occupant of the existing home.
"}},{"title":"How much can I borrow with a Sustainability Loan?","richBody":{"value":"The minimum loan amount is €2,500 and the maximum amount is generally €25,000. Please note: in some municipalities, the maximum amount is lower.
"}}]},{"componentType":"linkList","iconTitle":{"title":"Want to know more about borrowing money?"},"textLinks":[{"url":"/en/personal/loans/how-much-money-can-i-borrow","text":"How much can I borrow?"},{"url":"/en/personal/loans/our-loans/overdraft","text":"Overdraft"},{"url":"/en/personal/loans/what-does-borrowing-cost","text":"Borrowing money cost"},{"url":"/en/personal/loans","text":"Borrowing money"},{"url":"/en/personal/loans/information-about-borrowing/bkr","text":"Borrowing and the BKR"},{"url":"/particulier/lenen/onze-leningen/doorlopend-krediet","text":"Revolving credit (Dutch only)"},{"url":"/en/personal/loans/your-goals/car-loan","text":"Borrow money for a car"},{"url":"/en/personal/loans/your-goals/energy-saving-renovation","text":"Sustainability loan"}]}]}}}