Starter loan

Financing a house? Use the options that a start-up loan offers you in your municipality.

A starters loan is a convenient way to take out a mortgage cheaper thanks to a scheme from the VROM in collaboration with your own municipality. You can apply for this cheaper loan up to a maximum of 20% of all costs.

Unfortunately, this loan is not available everywhere for starters, but you can always ask your municipality whether they want to participate in this initiative or want to do so.

By providing these loans, the government stimulates the purchase of a 1st house. On December 2008, the start-up loan is possible in:

a
Aalsmeer, Abcoude, Alkemade, Alkmaar, Almere, Amersfoort, Amstelveen, Amsterdam, Anna Paulowna, Apeldoorn, Arnhem, Assen.

B.
Baarle-Nassau, Baarn, Barendrecht, Barneveld, Beek, Bergen, Bergen op Zoom, Bernheze, Best, Blaricum, Bodegraven, Bolsward, Borger-Odoorn, Borne, Boxmeer, Boxtel, Bronckhorst, Brummen, Brunssum, Bunschoten.

C.
Coevorden.

D.
Dalfsen, Dantumadeel, De Ronde Venen, Diemen, Doetinchem, Drechtland, Duiven.

E
Echt-Susteren, Ede, Eemnes, Eemsmond, Eindhoven, Elburg, Emmen, Enkhuizen, Epe.

F.
Ferwerderadiel.

G.
Gaasterlan-Sleat, Geertruidenberg, Geldermalsen, Geldrop-Mierlo, Gemert-Bakel, Gennep, Giessenlanden, Gilze and Rijen, Goes, Goirle, Graafstroom, Groningen.

H.
Haaksbergen, Haarlem, Haarlemmerliede and Spaarnwoude, Haarlemmermeer, Halderberge, Hardenberg, Haren, Harenkarspel, Harlingen, Heemskerk, Helden, Hellendoorn, Hellevoetsluis, Helmond, Hengelo, Hilvarenbeek, Hilversum, Hof van Twente, Hoogeveen, Hoogezand-Sappemeer, Hoorn, Horst aan the Maas, Huizen.

J
Jacobswoude.

K.
Kampen, Kapelle, Katwijk, Kerkrade, Koggenland.

L.
Laarbeek, Landerd, Landgraaf, Landsmeer, Leeuwarderadeel, Leidschendam-Voorburg, Lelystad, Leusden, Lingewaard, Lisse, Lochem, Loenen, Lopik, Losser.

M.
Maasbree, Maassluis, Maastricht, Margraten, Medemblik, Meerlo-Wanssum, Menterwolde, Middelburg, Central Drenthe, Moerdijk.

N.
Naarden, Nederlek, Nieuwkoop, Nijkerk, Nijmegen, North Beveland, Nunspeet.

O
Oegstgeest, Oisterwijk, Oldenzaal, Olst-Wijhe, East Gelre, Oosterhout, Oostflakkee, Oostzaan, Opmeer, Opsterland, Oss, Oudewater, Overbetuwe.

P.
Papendrecht, Pekela, Purmerend, Putten.

R.
Raalte, Reimerswaal, Renkum, Renswoude, Rheden, Rhenen, Ridderkerk, Rijnwoude, Rijssen-Holten, Roermond, Rotterdam.

S.
Scherpenzeel, Schiedam, Schinnen, Schouwen Duiveland, Sint Oedenrode, Sint-Michielsgestel, Sliedrecht, Sluis, Smallingerland, Sneek, Stadskanaal, Staphorst, Stede Broec, Steenbergen, Steenwijkerland, Stein.

T.
Tholen, Tubbergen, Tylingen.

YOU
Uden, Uitgeest, Urk, Utrecht, Utrechtse Heuvelrug.

V.
Vaals, Valkenburg aan de Geul, Veenendaal, Veere, Veghel, Veldhoven, Venlo, Venray, Vianen, Vlaardingen, Vlissingen, Voerendaal, Voorst.

W.
Waalwijk, Wageningen, Weert, Weesp, Westland, Westvoorne, Winschoten, Woensdrecht, Woudenberg, Wymbritseradiel.

Z
Zeist, Zevenhuizen-moerkapelle, Zijpe, Zoetermeer, Zundert, Zutphen, Zwijndrecht, Zwolle.

Advantages and disadvantages of a starter loan

Pros
  • Ideal way for starters in the housing market thanks to subsidies.
  • The starter loan is already available in many municipalities.
  • Municipalities can participate quite easily.
Negatives
  • Available at many, but not yet all municipalities.
  • Only for starters.
  • There is a maximum to the start-up loan and a total maximum of the total subsidies to be provided per year.

Compare starter loan

Compare starter loan with

en