Making the housing stock more sustainable is an important task. The Dutch Climate Agreement stipulates that by 2050, seven million homes and one million other buildings must have ceased using natural gas.
As a first step, the first one and a half million existing homes must have been made sustainable by 2030. There are various ways of introducing energy-saving measures in the home. It is possible, for instance, to finance these measures by means of savings. There are also various favourable subsidy schemes. Finally, it is possible to co-finance these measures in the mortgage or to take out a separate loan for them.
Favourable subsidy schemes
Various subsidy schemes encourage owners to make their homes more sustainable:
- The home owners energy saving subsidy (SEEH) is intended for private home and apartment owners and owners’ associations. The condition is that consumers take at least two energy-saving measures. This includes cavity wall insulation, façade insulation, roof insulation, floor or ground insulation and high-efficiency glass. In addition, subsidy is possible for additional measures. The owner-occupier subsidy is available from 2 September 2019 until 31 December 2020. The grant for owners’ associations will run until 31 December 2022. More information can be found on the site of the Netherlands Enterprise Agency (Dutch).
- The National Energy Savings Fund provides energy savings loans of up to € 25,000 to private home and apartment owners under favourable conditions. The interest on the energy savings loan is usually tax-deductible. More information on these loans can be found on the site of the National Energy Savings Fund (Dutch).
- The Sustainable Energy Investment Subsidy (ISDE) provides subsidies for the purchase of solar boilers and heat pumps. The amount depends on the brand and type of device purchased. The ISDE scheme runs from 1 January 2016 to 31 December 2020. More information can be found on the site of the Netherlands Enterprise Agency (Dutch).
Extra credit in maximum mortgage
It is also possible to take out a loan for energy-saving facilities on favourable terms. There is extra credit available for consumers who buy an energy-efficient home and take energy-saving measures. A mortgage provider may take into account the energy efficiency of the dwelling to be purchased or renovated when determining the maximum financing burden. This applies to consumers with an assessed income of at least € 33,000.
When determining the maximum financing burden, an amount of up to € 9,000 may be disregarded (for the Loan-to-Income) if the home to be purchased has a valid energy label of at least A++ issued before 1 January 2015 or a home with an energy index or an energy performance coefficient that does not exceed 0.6. More information about the energy label is found on the site of the Netherlands Enterprice Agency (Dutch).
In the case of energy-saving facilities, the mortgage provider may also deviate from the maximum mortgage in relation to the value of the home (Loan to Value). The costs of this financing may be co-financed up to a maximum of 106% of the value of the home.
Zero meter reading home
When determining the maximum financing burden, an amount of up to € 25,000 can be disregarded if the home is a zero meter reading home (NOM home) with an energy performance guarantee for at least ten years. If a mortgage loan is granted to finance a home with an energy index, an energy performance coefficient equal to or lower than zero or with a maximum primary fossil energy use equal to or lower than 0 kWh/m2 per year, an amount of € 15,000 may be disregarded when determining the maximum financing burden.