Sustainability Loan
You can take out a loan of up to €25,000 from the municipality at a relatively low interest rate to fund sustainability measures. These include, for example, solar panels, HR++ glass, as well as sunshades, batteries, charging stations, sedum roofs, and nesting boxes. You can borrow the full amount, so you don’t have to factor in subsidies. You do not need to visit a notary for this. The term for loans ranging from €2,500 to €7,500 is 10 years. Loans ranging from €7,500 to €25,000 have a term of 15 years.
SVn
The Stimuleringsfonds Volkshuisvesting Nederland SVn issues the Sustainability Loan on behalf of the municipality. Applying for and taking out the loan costs nothing. There are no additional costs such as advice, valuation or notary fees. You do pay interest and repayment. You repay the loan on an annuity basis, which means that the monthly amount remains the same throughout the term. SVn sets the interest rate with the loan. They do not set the interest rate until the date the application is received for the financial assessment. On the SVn website you can make a trial calculation for your personal situation. You can then calculate for yourself what a Sustainability Loan will cost you.
You can also see the current interest rate of the sustainability loan on SVn's website.
An alternative is a loan through the Heat Fund. Advantages of this, compared to the loan through the municipality and SVn are additional borrowing opportunities for owner-occupiers with limited borrowing capacity. For owner-occupiers with aggregate income less than € 60,000, the interest rate is even 0.0%.