You seize opportunities. This means always thinking a step ahead and always seeing possibilities. We also go all-in for you, by taking our advice a step further. We actively search for the right solutions, have in-depth knowledge of the markets and make our network available to you.
"}},{"componentType":"sectionTitle","title":"Finding the most suitable solution for you"},{"componentType":"paragraph","richBody":{"value":"Are you looking for long-term returns? Do real estate investments serve as (additional) retirement provision? Do you want to transfer your real estate portfolio to the next generation? We’re happy to discuss your wishes and goals and look for the solution that fits best.
"}},{"componentType":"sectionTitle","title":"Ready for the future"},{"componentType":"paragraph","richBody":{"value":"Sustainability is a top priority. Legislation imposes more and more requirements on the energy efficiency of buildings. But how do you manage this?
With the ‘Private Banking Real Estate Sustainability Tool’ we offer a tool that provides free insights into possible sustainability measures, costs and payback period.
Our lending specialists are happy to help you on your way.
"}},{"componentType":"accordion","accordionList":[{"title":"Fixed rate loan","richBody":{"value":"The Fixed Rate Loan is a form of financing with a fixed interest rate. The advantage of such a loan is that you have the certainty that the interest rate will not change during the period for which you fix the interest rate. The term of this loan is a minimum of 1 year and a maximum of 10 years. For repayment, you can choose from linear, lump sum or a combination.
"}},{"title":"Euribor Optimal Loan","richBody":{"value":"The Euribor Optimal Loan is a loan with a variable interest rate. This makes it a flexible way of financing. The interest rate is based on Euribor. You have a choice of fixed interest periods of 1, 3, 6 and 12 months plus a customer surcharge. You can fix this surcharge for 1 to 10 years, depending on the term of your loan. Your investment goal determines the term and repayments are made on a monthly or quarterly basis.
"}},{"title":"Interest rates","richBody":{"value":"The interest rate of the financing types depends on several factors:
The combination of these components is customized and varies greatly for each individual financing.
"}},{"title":"Steps to apply for financing","richBody":{"value":"Every application is customized. Therefore, processing times can vary greatly. However, the steps look largely the same, namely:
It could be that you are qualified as a “consumer”. By law, a “consumer” is a natural person acting for purposes that are outside of business or professional activities. If you want to finance an investment property as a consumer, legal consumer provisions apply. Your relationship manager can help determine this in a discussion and explain the impact.
When you need financing, always pay close attention to the terms and conditions. Not the most pleasant work, but necessary. We also want to point out possible events and risks to consider: