Smart housing loan

When you have a smart housing loan, you know its highest possible monthly instalment for the next three or five years. Smart housing loan is a flexible and safe alternative. An interest-hedging fee is included in the margin; no separate fee is charged.

The reference interest rate of smart housing loan is the 3-month or the 12-month Euribor rate, so you can agree on changes during the loan period, if needed. You benefit from the low level of the Euribor rate and ensure that the reference interest rate does not rise over an agreed cap.

Smart housing loan includes:

• interest rate cap for three or years
• FlexiPayment, with which you can reduce or raise your instalment payment or skip them. You can make changes easily in Netbank! 

  If your loan is interest subsidised (eg ASP loan), has a state guarantee, OwnGuarantee taken before 1 December 2011 or fixed interest, you cannot link FlexiPayment to your loan. 

• a MasterCard Gold or Visa Gold to Key Customers without the monthly or annual fee  
• easy monitoring of the instalment payments in Netbank