A sustainable mortgage in the Netherlands

A sustainable mortgage in the Netherlands

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An Energy-Efficient Mortgage (EeMap) or sustainable mortgage encourages borrowers to improve their existing homes or invest in sustainable homes. The initiative for green mortgages is backed by the European Union.

The Paris Agreement played an essential role in making mortgages greener. The aim is to lower energy costs and reduce greenhouse emissions by 2050. More than 30 financial institutions joined the initiative in the EU.

Benefits of a sustainable mortgage in the Netherlands

  1. Help the environment by reducing greenhouse emissions.
  2. Your property has a higher property value.
  3. You can sell your property quicker.
  4. Lower your utility bills.

If you plan to purchase an energy-efficient home, you can get a discount on your mortgage interest rate in the Netherlands. The interest rate for sustainable homes is lower comparing with regular mortgages.

You can get a 100% loan to value (LtV). If you plan to make your home more energy-efficient, you can borrow up to 106%.

What are some examples of making your home more sustainable?

  1. Solar panels generate 100% sustainable energy. 
  2. Cavity wall insulation reduces heat loss.
  3. Floor insulation.
  4. Roof insulation.
  5. Glass insulation.
  6. Heat pumps.

Energy labels in the Netherlands

When you buy a house in the Netherlands, the property must have an energy label certificate. The same rule applies if you plan to sell the property, you are obligated to handover an energy label certificate to the buyer.

Energy labels rate from A to G. Homes with an A-label are the most energy-efficient, homes with a G-label are the least energy-efficient. 

More than half of the Netherlands’ houses have an energy label of D to G. The goal is to upgrade the energy labels and make it more efficient.

If you purchase a house with an energy rate below A, you should keep in mind that you must invest money to upgrade it one day.

What’s do energy labels mean?

A deficient energy consumption|
B low energy consumption
C relatively low energy consumption
D average energy consumption
E relatively high energy consumption
F high energy consumption
G very high energy consumption

Discounts from mortgage lenders on sustainable homes

Mortgage lenders aim to promote sustainable living by offering a discounted interest rate. The government seeks to promote energy-efficient homes and encourage landlords to improve energy performance at the rental properties.

ABN AMRORaboBankFloriusObvionNationale Nederlanden
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