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Sustainability Financing

Paying for insulation, a heat pump, or solar panels with a loan. First check whether financing through your mortgage or a subsidy is more advantageous.

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Which route suits you?

There are several routes to making your home more sustainable: a personal loan, financing through your mortgage, or making use of subsidy schemes. Often, a combination is the most advantageous.

Heeft u een eigen woning, dan is meefinancieren in de Mortgage meestal goedkoper — voor energiebesparende maatregelen geldt bovendien extra leenruimte. Een lening is sneller geregeld en past beter bij kleinere bedragen of als u huurt.

Financing sustainability with a loan

More about Financing sustainability with a loan

Compare the APR, the term, and the conditions.

Compare providers
Compare the APR, the term, and the conditions.
Request to the provider
They check your income and consult the BKR.
Assessment and payment
Upon approval, the provider makes the payment. The processing is handled through them.

The routes were compared

Arranged quickly, no notary required. Higher rate than via the mortgage.

Personal loan

Arranged quickly, no notary required. Higher rate than via the mortgage.

Through the mortgage

Lower rate and extra borrowing capacity for energy-saving measures.

Subsidies

There are schemes for insulation and heat pumps. Inquire about what is currently available.

Payback period

Calculate within how many years the savings on your energy bill will cover the costs.

Increase in value

A better energy label can increase your home value and future borrowing capacity.

Rental home

Are you renting? Then a loan is often the only route, and you should consult with your landlord.

What do you look out for?

✓Compare the loan with financing via your mortgage; that is usually cheaper.
✓Inquire about current subsidies before you determine the loan amount.
✓Calculate the Payback period from: how much do you save on energy per year?
✓A better energy label can increase your home value and borrowing capacity.
✓Ask multiple quotes with installers.

Frequently asked questions about financing sustainability projects with a loan

Can I pay for sustainability improvements with a loan?
Yes. A personal loan is arranged quickly and is suitable for smaller amounts or if you rent. If you own your home, compare it with financing via your mortgage.
Is it cheaper via the mortgage?
Usually yes: the rate is lower and there is often extra borrowing capacity for energy-saving measures. However, this is offset by notary and valuation costs.
Are there subsidies for sustainability?
There are schemes for insulation and heat pumps, among others. These are separate from the financing. Inquire about what is currently available.
How do I calculate the payback period?
Divide the investment by the expected annual savings on your energy bill. Take fluctuating energy prices into account.
Does making my home more sustainable increase its value?
A better energy label can positively influence the value and provides extra borrowing capacity during a future mortgage calculation.
Can I make my home more sustainable as a tenant?
You can sometimes finance minor measures yourself, but always consult your landlord. Major interventions are generally the responsibility of the landlord.
Financing sustainability with a loan

Compare financing sustainability with a loan via Finass

✓Independent: we compare offers from multiple providers side by side.
✓Geen verkooppraatje — wij informeren, u kiest zelf bij welke aanbieder u aanvraagt.
✓For years, the trusted address in Bergen, NH for your insurance.
✓Rated 9.5 and 9.8 by our customers.
Finass Verzekert puts you in contact with specialized providers.

What our customers say about Financing sustainability with a loan

Customers rate Finass Verzekert on average with a 9.5 and the claims handling with a 9.8.

9.5
Customer review
9.8
Claims handling

“Duidelijk uitgelegd wat het verschil is tussen een Personal loan en doorlopend krediet.”

E
Eline D.
Personal loan

“Prettig dat het jaarlijks kostenpercentage overal netjes vermeld stond, zo kon ik echt vergelijken.”

M
Marit F.
Compare loans

“Geen mooie praatjes maar gewoon de kosten en de voorwaarden op een rij.”

O
Olivier K.
Loan orientation

“De uitleg over de BKR-toets nam veel onduidelijkheid weg.”

M
Maarten I.
BKR registration

More about borrowing

View the other sections within borrowing.

To borrow →

Personal loan, revolving credit, or borrowing for a specific purpose.

Personal loan →

A fixed amount, a fixed interest rate, and a fixed term.

Doorlopend krediet →

Flexible withdrawal up to an agreed limit, at a variable interest rate.

Lening oversluiten →

Are you paying a high interest rate on an old loan?

BKR registration →

What is stated in your BKR registration, how long does it remain, and what can you do if something is not right?

Associated insurances

Financing and insurance go hand in hand. Finass Verzekert is your independent advisor for the insurance policies associated with them.

Car insurance →

Are you financing a car? Insure it properly right away.

Inboedelverzekering →

New interior design or renovation: keep your contents value up to date.

Aansprakelijkheidsverzekering →

The basic coverage for damage you cause to others.

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Caution! Borrowing money costs money.

Compare loans for sustainability

With our partner, you can view the APR and terms and conditions of multiple providers.