If you buy a home for €400,000, the current one-time fee at 0.6% would be €2,400. Next year, when the cost drops to 0.4%, you will only pay €1,600, saving €800.
The NHG limit with energy-efficient measures will also rise to €477,000 in 2025 to encourage sustainability.A separate system applies to caravans. In 2025, the NHG limit for caravans will increase from €166,000 to €172,000. With Energy Saving Facilities, this limit will rise to €182,320.
Once again, let's remind you what NHG is and what the benefits are. When buying a home, you can choose a mortgage with the Dutch National Mortgage Guarantee (NHG), which reduces your risk and interest rate. This makes the housing market more accessible to low- and middle-income buyers. The NHG is a government insurance scheme that protects borrowers if they can't afford their mortgage payments.
NHG helps you if you lose your job, become unable to work, divorce, or if your partner dies.
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