Amounts for costs of renovation can also be borrowed depending on your income & market value (after renovation) of your house. For sustainability goals there are also extra amounts available.
Regular renovations
Costs of Renovations of your home can be arranged via a personal loan or a mortgage loan. Depending on your goals & plans, the amount necessary for your renovation and payback capacity you can check what options is the best in your specific case.
Energy label aspects per 1-1-2025
If you buy a home in 2025 the energy label will co determine what amount can be added to the “regular” max loan to income amount assessment, please see chart below
| Energy label current home | Amount to be added to regular loan to income amount |
| E, F, G | + 0 EUR |
| C, D | + 5.000 EUR |
| A, B | + 10.000 EUR |
| A+ up to and including A++ | + 20.000 EUR |
| A+++ | + 30.000 EUR |
| A++++ excl. “energieprestatiegarantie” | + 40.000 EUR |
| A++++ incl. “energieprestatiegarantie” for minimum of 10 years | + 50.000 EUR |
Sustainability / Energy Saving Measures
Below you will find the max. extra amount that can be borrowed for sustainability / energy saving measures (depending on the energy label of your home)
| Energy Label | Maximum Amount |
| E, F, G | + 20.000 EUR |
| C, D | + 15.000 EUR |
| A, B, A+ tm A+++ | + 10.000 EUR |
| A ++++ and better | + 0 EUR |
If you do have plans regarding buying and finance a home and invest in (dedicated and approved) energy saving measures (EBB/ EBV) you can borrow up to max 106% of the market value. This goes for NHG labeled loans and with some banks also for non NHG labeled loans.
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