• Characteristics
  • Cost
  • Requirements
  • How does it work

A Homeowner Personal Loan is a form of credit for homeowners and is similar to a personal loan but with a lower interest rate. With a Homeowner personal loan you know in advance exactly how much you borrow, what amount you pay monthly and how long you pay on the loan.

The interest and the monthly installment are fixed for the entire term with a Homeowner personal loan. With a Homeowner personal loan you borrow a fixed amount in one go and that is why a Homeowner personal loan is, among other things, a suitable loan for, for example, the renovation of your home

When does the Homeowner Personal Loan Have to Be Repaid?

You must have repaid the loan before you reach the age of 75.

How much can you borrow?

You can borrow a minimum of $ 10,000 and a maximum of $ 75,000. The amount for a personal loan depends on your income, your expenses and your personal situation.

How long do you pay back?

The term of the personal loan is a minimum of 12 and a maximum of 120 months. We agree with you how long you want to repay.

After death

If you (or your partner) unexpectedly die, the loan will not be forgiven.


The interest is fixed during the term and therefore does not change. You know in advance exactly what the term of the loan is and when you have repaid the loan. See also the overview of the interest rates .

How do you pay back?

A current account with a Dutch banking institution is required for payment of your loan and for the collection of the monthly installments due. You pay a fixed amount every month by direct debit. This amount consists partly of interest and partly of repayment (redemption). Withdrawals are not possible.

Are there costs if you pay back more?

You can always repay more than your monthly amount. No costs will be charged for partial or full early repayment of a Homeowner personal loan.

Do you have to pay closing, appraisal or notary fees?

No, you do not owe such costs.

European standard information on consumer credit

European Standard Information on Consumer Credit is available for this product. If you request a quote, you will receive this information aimed at you personally. See here an example.

Terms and Conditions

Check here the terms Homeowner personal loan.

Credit Registration Office

Lenders are affiliated with the Credit Registration Office in Tiel, in short 'BKR'. When you make a loan application, the lender will consult the Credit Bureau. If the application is not accepted on the basis of this information, you will be notified. After the credit agreement has been concluded, the loan is registered with the Credit Registration Office. If you are more than 60 days behind with payment, the lender will report this to the Credit Bureau.

Do you need to establish a mortgage on your home?

Your owner-occupied home is not required as collateral, so you do not have to go to the notary and you do not need to have your home appraised. The Homeowner Personal Loan is a loan with a positive / negative mortgage statement. With this statement you agree to the condition that you do not burden your home with another mortgage without the bank's permission. Unless of course you pay off the Homeowner's personal loan with a new mortgage.

In addition, at the bank's first request, you declare that you will cooperate in issuing mortgage security on your home for this loan. In general, this will only happen when you have fallen significantly behind in payments.

What does a Homeowner Personal Loan Agreement look like?

Are you curious about what an agreement looks like? See here an example.

Is the interest deductible?

The interest is deductible from your income for tax purposes if you use your WOZ Personal Loan to maintain or improve your owner-occupied home.

Terms of acceptance

Kapssloan works with a number of banks to provide loans. Each bank applies its own acceptance standards and conditions. To apply for a loan, you must at least meet the following conditions.

  • Your age is between 23 and 68 years old
  • You own an owner-occupied home
  • You are employed (permanent or temporary employment)
  • You have income from a WAO / WIA benefit
  • You have income from (Pre) Pension or ANW benefit
  • Income at least $ 1,250 net per month
  • No Credit Bureau coding

You can apply for your Homeowner Personal Loan online, but how does this actually work? We explain.

You apply for your loan online.

You complete the application form online to apply for your loan. You can also indicate whether you wish to transfer existing loans

Confirmation of your loan application.

You will be called within 24 hours to confirm your loan application and any additional necessary information will be discussed with you.

You will receive a no-obligation quote.

After receipt of your loan application, your application will be submitted to the banks without obligation. You will then be contacted to discuss your wishes and options and you will receive appropriate and free advice from us, after which we will send you the loan offer by e-mail or by post.

Return the signed quotation.

If you wish to finalize the application for your loan, return the signed quotation, together with the requested documents.

The lender will assess your application.

On the basis of your application and the submitted documents, the lender will reassess your loan application on the basis of the documents you have submitted.

The money will be transferred to you.

As soon as the application for your loan has been definitively approved, the money will be transferred to your account and any loans you wish to transfer will be repaid.