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Duurzaam Wonen Hypotheek (Sustainable Home Mortgage)

Duurzaam Wonen Hypotheek (Sustainable Home Mortgage)

Investing in a sustainable home

Duurzaam Wonen Hypotheek

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  • Competitive interest rate
  • Arrange it now, decide later
  • No charge for early repayment using your own funds
  • Borrow up to 106% of your home’s value
  • Can be taken out in addition to a (new) ABN AMRO mortgage
If you are planning to move or do up your current home, this may be the perfect time to make your home energy-efficient. You could fit HR++ glazing for example, or install insulation or solar panels. In most cases, using your savings to finance such measures will work out well for you. If you want to finance it through a mortgage, ABN AMRO’s Duurzaam Wonen Hypotheek gives you a competitive interest rate and plenty of time to decide what you want to do. Do bear in mind, however, that the possible payback period may differ from what you expected beforehand.
Find out more about Sustainable Living

Free energy label worth €295 for sustainable renovations

If you’re planning to renovate your home to make it more sustainable, and you take out a Duurzaam Wonen Hypotheek (Sustainable Home Mortgage), Energiespaarbudget (Energy-Efficiency Budget) or Energiebesparende voorzieningen (Energy-Efficiency Measures) before 31 December 2024, you’ll receive a free voucher from us for an energy label worth €295. Take a look at the terms and conditions and make a no-obligations appointment to discuss financing options for your sustainable renovation. 

Make an appointment Promotion terms and conditions
Keeping track of your Duurzaam Wonen Hypotheek (Sustainable Home Mortgage)

Keeping track of your Duurzaam Wonen Hypotheek

We will transfer the funds you borrow based on the Duurzaam Wonen Hypotheek to a construction account for you. This is a separate account from which you can pay for your sustainable renovation. You can keep track of your account and submit and view claims on Internet Banking and in the Mobile Banking app. 
How to use a construction account

Duurzaam Wonen Hypotheek benefits and terms & conditions

Extra competitive interest rate

The Duurzaam Wonen Hypotheek is a mortgage component earmarked for sustainable home improvements. It comes with attractive terms & conditions and a competitive interest rate. Ask your ABN adviser or an independent adviser about the terms & conditions. Or take out this mortgage yourself, without advice. If you take this route, you will be required to do a compulsory knowledge and experience test first.
Mortgage with advice Mortgage without advice

Arrange it now, decide later

After taking out a mortgage for an existing property, you have a maximum of to have the sustainability measures implemented. In the case of a new build, you have . This is means that you can arrange the financing now, but decide later what exactly you want to do. The monthly interest payments and repayments will, however, start right away. On the other hand, you will receive interest on the funds in your construction account.
Find out more about a construction account

Good to know

Think carefully before deciding to invest in energy-efficiency measures for your home. It will cost you money and there is no guarantee that you will earn back these costs in the future. We cannot make any promises to this effect. An ABN AMRO adviser will be happy to go over the pros and cons with you. 
Make a mortgage appointment

Interest rates

More information about the Duurzaam Wonen Hypotheek

Sustainability measures

You can only take out a Duurzaam Wonen Hypotheek for the house that you live in, which is sometimes referred to as your ‘principal residence’. You can take out a Duurzaam Wonen Hypotheek for energy-efficiency measures: 

  • external wall insulation 
  • high-efficiency glazing (HR++)
  • roof insulation 
  • heat recovery ventilation system 
  • floor insulation 
  • energy-efficient ventilation (including high-performance fans) if combined with other energy-efficiency measures 
  • pipe insulation 
  • energy-efficient window frames 
  • heat pumps 
  • doors and similar structural components 
 
These measures are listed in Article 1.b. of the Dutch government’s Tijdelijke Regeling Hypothecair Krediet (temporary mortgage loan scheme).
Fixed-rate period

You can choose between a 5-year, 10-year, or 15-year fixed-rate period. The term of your Duurzaam Wonen Hypotheek must be the same as the fixed-rate period you choose.
Construction account term for an existing and a new-build property

Construction account term for an existing property:
The standard term is 18 months, with an option for a 6-month extension. Interest will cease to be paid on the account after 18 months.

Construction account term for a new-build property:
The standard term is 24 months, with an option for a 12-month extension. Interest will cease to be paid on the account after 30 months.
Mortgage interest rate

With the Duurzaam Wonen Hypotheek, you get a competitive interest rate and will not be charged a risk surcharge. Take a look at the fixed-rate periods you can choose from
The fees

Increasing your mortgage with a Duurzaam Wonen Hypotheek is subject to the following fees: 

Sustainable home improvements only 

Advice fee €1,150
Digital handling fee     €100
Handling fee €375

If you have your own business, the advice fee will depend on your business’ form, size and complexity. You’ll also pay a surcharge of €250, €500 or €750.

Full home renovation that also involves other costs 

Advice fee €1,150
Digital handling fee €625
Handling fee €900

If you have your own business, the advice fee will depend on your business’ form, size and complexity. You’ll also pay a surcharge of €250, €500 or €750.

You can take out a Duurzaam Wonen Hypotheek with or without advice. If you opt take out the mortgage without getting advice first, you will only be charged the handling fee. 

Taking out a Duurzaam Wonen Hypotheek

The law defines the Duurzaam Wonen Hypotheek as a complex product, meaning that you have to be well informed before deciding to take one out. It is up to you to decide whether to do this with or without personal mortgage advice. Think carefully about whether you want to invest in energy-efficiency measures for your home. It will cost you money and there is no guarantee that you will earn back these costs in the future. We cannot make any promises to this effect.
Unused Duurzaam Wonen Hypotheek

If you end up not using your Duurzaam Wonen Hypotheek, you can simply leave the money in the construction account for your Duurzaam Wonen Hypotheek. If the mortgage was intended for an existing property, the construction account will automatically be closed after 18 months (or 24 months if you used the 6-month extension option). If it was for a new-build property, the construction account will be closed after 24 months (or 36 months if you used the 12-month extension option). If there are unused funds in the construction account when it is closed, these will go towards repaying your Duurzaam Wonen Hypotheek. This will reduce the loan amount.
Risks and result

Expected energy savings

Before making your decision, think carefully about whether you want to invest in energy-efficiency measures for your home. It will cost you money and there is no guarantee that you will earn back these costs in the future. We cannot make any promises to this effect. 

If you borrow money to pay for these energy-efficiency measures, you are incurring additional costs. It will take time to earn back your investment and recoup the costs. You should therefore always carefully calculate what your investment in sustainability will cost you and what you can potentially get out of it. ABN AMRO has advisers who will be happy to help you with that. 
Returns on an investment in sustainability may vary. Your investment may also yield less than the amount you need to pay each month towards repaying your loan. 

Before borrowing money, always carefully read the terms and conditions. The loan has to be aligned with the planned investment and your financial situation. An ABN AMRO adviser will be happy to go over your options with you. 
For further details of the Duurzaam Wonen Hypotheek, please see Chapter 28 of the terms and conditions for the Budget Hypotheek mortgage (in Dutch) or the Woning Hypotheek mortgage (in Dutch).
No charge for early repayment if you use your own funds

You will not be charged for additional repayments or early repayment of the loan component of your Duurzaam Wonen Hypotheek if these are made using your own funds. The other loan components are subject to different conditions regarding additional repayments.
Terms and conditions

For further details of the Duurzaam Wonen Hypotheek, please see Chapter 28 of the terms and conditions for the Budget Hypotheek mortgage (in Dutch) or the Woning Hypotheek mortgage (in Dutch). Always make sure you read the terms and conditions before you sign a mortgage offer.

More information about the Duurzaam Wonen Hypotheek

Sustainability measures
Fixed-rate period
Construction account term for an existing and a new-build property
Mortgage interest rate
The fees
Taking out a Duurzaam Wonen Hypotheek
Unused Duurzaam Wonen Hypotheek
Risks and result
No charge for early repayment if you use your own funds
Terms and conditions

Sustainability measures

You can only take out a Duurzaam Wonen Hypotheek for the house that you live in, which is sometimes referred to as your ‘principal residence’. You can take out a Duurzaam Wonen Hypotheek for energy-efficiency measures: 

  • external wall insulation 
  • high-efficiency glazing (HR++)
  • roof insulation 
  • heat recovery ventilation system 
  • floor insulation 
  • energy-efficient ventilation (including high-performance fans) if combined with other energy-efficiency measures 
  • pipe insulation 
  • energy-efficient window frames 
  • heat pumps 
  • doors and similar structural components 
 
These measures are listed in Article 1.b. of the Dutch government’s Tijdelijke Regeling Hypothecair Krediet (temporary mortgage loan scheme).

Fixed-rate period

You can choose between a 5-year, 10-year, or 15-year fixed-rate period. The term of your Duurzaam Wonen Hypotheek must be the same as the fixed-rate period you choose.

Construction account term for an existing and a new-build property

Construction account term for an existing property:
The standard term is 18 months, with an option for a 6-month extension. Interest will cease to be paid on the account after 18 months.

Construction account term for a new-build property:
The standard term is 24 months, with an option for a 12-month extension. Interest will cease to be paid on the account after 30 months.

Mortgage interest rate

With the Duurzaam Wonen Hypotheek, you get a competitive interest rate and will not be charged a risk surcharge. Take a look at the fixed-rate periods you can choose from

The fees

Increasing your mortgage with a Duurzaam Wonen Hypotheek is subject to the following fees: 

Sustainable home improvements only 

Advice fee €1,150
Digital handling fee     €100
Handling fee €375

If you have your own business, the advice fee will depend on your business’ form, size and complexity. You’ll also pay a surcharge of €250, €500 or €750.

Full home renovation that also involves other costs 

Advice fee €1,150
Digital handling fee €625
Handling fee €900

If you have your own business, the advice fee will depend on your business’ form, size and complexity. You’ll also pay a surcharge of €250, €500 or €750.

You can take out a Duurzaam Wonen Hypotheek with or without advice. If you opt take out the mortgage without getting advice first, you will only be charged the handling fee. 

Taking out a Duurzaam Wonen Hypotheek

The law defines the Duurzaam Wonen Hypotheek as a complex product, meaning that you have to be well informed before deciding to take one out. It is up to you to decide whether to do this with or without personal mortgage advice. Think carefully about whether you want to invest in energy-efficiency measures for your home. It will cost you money and there is no guarantee that you will earn back these costs in the future. We cannot make any promises to this effect.

Unused Duurzaam Wonen Hypotheek

If you end up not using your Duurzaam Wonen Hypotheek, you can simply leave the money in the construction account for your Duurzaam Wonen Hypotheek. If the mortgage was intended for an existing property, the construction account will automatically be closed after 18 months (or 24 months if you used the 6-month extension option). If it was for a new-build property, the construction account will be closed after 24 months (or 36 months if you used the 12-month extension option). If there are unused funds in the construction account when it is closed, these will go towards repaying your Duurzaam Wonen Hypotheek. This will reduce the loan amount.

Risks and result

Expected energy savings

Before making your decision, think carefully about whether you want to invest in energy-efficiency measures for your home. It will cost you money and there is no guarantee that you will earn back these costs in the future. We cannot make any promises to this effect. 

If you borrow money to pay for these energy-efficiency measures, you are incurring additional costs. It will take time to earn back your investment and recoup the costs. You should therefore always carefully calculate what your investment in sustainability will cost you and what you can potentially get out of it. ABN AMRO has advisers who will be happy to help you with that. 
Returns on an investment in sustainability may vary. Your investment may also yield less than the amount you need to pay each month towards repaying your loan. 

Before borrowing money, always carefully read the terms and conditions. The loan has to be aligned with the planned investment and your financial situation. An ABN AMRO adviser will be happy to go over your options with you. 
For further details of the Duurzaam Wonen Hypotheek, please see Chapter 28 of the terms and conditions for the Budget Hypotheek mortgage (in Dutch) or the Woning Hypotheek mortgage (in Dutch).

No charge for early repayment if you use your own funds

You will not be charged for additional repayments or early repayment of the loan component of your Duurzaam Wonen Hypotheek if these are made using your own funds. The other loan components are subject to different conditions regarding additional repayments.

Terms and conditions

For further details of the Duurzaam Wonen Hypotheek, please see Chapter 28 of the terms and conditions for the Budget Hypotheek mortgage (in Dutch) or the Woning Hypotheek mortgage (in Dutch). Always make sure you read the terms and conditions before you sign a mortgage offer.

Sustainable renovation and energy savings

Sustainable renovation and energy savings

Renovating your home? Do it sustainably while you’re at it Insulating your roof when doing up your attic, installing high-performance glazing when replacing your window frames, a renovation is the perfect opportunity to make your home sustainable. A sustainable renovation comes with a lot of additional benefits. These include improved energy efficiency, greater comfort, and reduced carbon emissions. You will be ready for a green future.
Discuss your options

Want to save on energy?

An energy-efficient home will help you reduce your energy bills. Ways to make your home sustainable include installing home insulation and placing solar panels. That way, you can reduce your energy consumption or even generate your own energy. Do bear in mind, however, that savings on your energy bills may not quite be as estimated by the fitter.
Do the free Energy Saving Check

Model calculation for the Duurzaam Wonen Hypotheek

How much the Duurzaam Wonen Hypotheek costs depends on the amount you borrow, the fixed-rate period you choose and the interest rate that goes with it. Below is a model calculation for the three different fixed-rate periods for a loan of €15,000.

Fixed-rate period Term Sample interest rate Loan amount APRC*  Number of instalments Instalment amount Total amount payable
5 years 5 years 0.84% € 15,000 1.21% 60 € 255 € 15,332
10 years 10 years 1.09% € 15,000 1.54% € 120 € 118 € 15,839
15 years 15 years 1.49% € 15,000 2.04% 180 € 93 € 16,747

* APRC stands for Annual Percentage Rate of Charge. These are the total annual costs you pay for the loan. 

** The instalment amount is the monthly amount you pay for the loan. 

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