• Characteristics
  • Cost
  • Requirements
  • How does it work

What is a Beter Wonen Personal loan?

The Personal loan better living is a form of credit for homeowners and equivalent to a personal loan, but the loan can be taken out for a period of 180 months.
The loan must be used for home improvement or the purchase of a second home or holiday home. The second home must be an existing building and may not be used for private occupation.

The term of the loan is a minimum of 10 years and a maximum of 15 years. With a Personal loan you better borrow a fixed amount in one go and that is why this personal loan is suitable for the renovation of your home or the purchase of a second home.
You can deduct the interest that you use for the improvement / renovation of the home with the tax authorities.

When must the personal loan be repaid?

You must have repaid the loan before you are 74 years old.

How much can you borrow?

You can borrow a minimum of $ 15,000 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 121 months and a maximum of 180 months.

After death

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


The interest on the Personal loan Beter wonen is fixed during the entire term

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?

If you want to pay off the personal loan earlier, there are costs involved:

- 1% if the period between early repayment and the agreed end of the agreement is more than one year.

- 0.5% if that term does not exceed one year

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 and conditions of personal loan better living.

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.

What does an agreement of the Beter wonen Personal loan 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 Beter wonen 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 64 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 $ 1,500 net per month
  • No Credit Bureau coding

Money Loan for a VOF, Sole Proprietorship, BV

  • You are 25 or older
  • At least 3 years independently
  • Positive equity
  • Company makes a profit
  • You own an owner-occupied home
  • No Credit Bureau coding

You can apply for your personal loan, revolving credit or WOZ Credit 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 that you wish to transfer will be paid off.