Incentive Program

Under this incentive program, you can borrow money to make improvements to your home or property related to sustainability, safety, and/or age-friendly design.

Please note: The incentive loan is not a grant, but a loan. You must therefore repay the loan in full.

The complete list of measures that may qualify you for an incentive loan can be found in the list of measures under the incentive program.

Some examples of this include:

• Sustainability:
  • Solar Panels
  • Isolation Measures
  • HR++ glass
  • Heat Pump
• Lifetime durability
  • Bedroom and bathroom on the ground floor
  • Induction cooktop
  • Wider doors
  • Down with Barriers
  • Home Automation Applications (Automating Tasks in and Around the Home)
  • Stairlift
• Safety
  • Certified Locks and Hardware
  • Lighting near the exterior doors
  • Smoke and Carbon Monoxide Alarms
  • Alarm System

Terms and Conditions

You are eligible if the following conditions are met:

• You are the owner and occupant of the home for which you are applying for the loan, or you are the owner and user of the property for which you are applying for the loan.
• Your home or accommodation is located in the municipality of Moerdijk.
• The measures are subject to the terms and conditions of the program.
• You meet all other (financial) requirements.

Loan Terms

• The minimum loan amount for a home is €2,500 and the maximum is €35,000 (including VAT).
• The term of a home loan is 10 years for amounts up to €12,500 and 15 years for amounts from €12,500 to €35,000.
• The loan for a property ranges from a minimum of €2,500 to a maximum of €50,000 (including VAT).
• The term of a loan for a residence is 10 years for amounts up to €15,000, and 15 years for amounts from €15,000 to €50,000.
• The municipality sets the interest rate at 1.7% when granting the loan.
• The interest rate is fixed for the term of the loan.
• The loan is in the form of a construction loan.
• You can repay the loan at any time without penalty, with a minimum payment of €250.
• The loan is structured as a private agreement or a mortgage deed.
• The City Council will reject an application if the budget is insufficient to cover it.

Features of an Incentive Loan

Characteristic	Consumer Loan	Mortgage loan	Business Loan
Age Limit	The applicant is under 76 years of age. For two applicants, only the income of the applicant who is under 76 years of age is considered in the financing application	The applicant is under 76 years of age. For two applicants, only the income of the applicant who is under 76 years of age is considered in the financing application	Not applicable
Income Threshold	Not applicable	Not applicable	Not applicable
Lower limit	€ 2.500,-	€ 2.500,-	€ 2.500,-
Upper limit	€ 35.000,-	€ 35.000,-	€ 50.000,-
Term	The term is 10 years for loans up to €12,500 and 15 years for loans ranging from €12,500 to € 35,000	The term is 10 years for loans up to €12,500 and 15 years for loans ranging from €12,500 to € 35,000	The term is 10 years for loans up to €15,000 and 15 years for loans ranging from €15,000 to € 50,000
Interest Rate	1,7%	1,7%	1,7%
Closing Costs	Not applicable	€850 (Please contact SVn for the current closing costs)	€1,500 (Please contact SVn for the current closing costs)
Notary Fees	Not applicable	Depending on the notary you choose	Depending on the notary you choose

Municipal Applications

Do you meet the requirements? First, check whether a permit is required for the work. For example: Solar panels are not exempt from permit requirements within the Willemstad fortifications.

Be sure to include the following attachments with your application:

• A land registry title deed or a copy of the deed of sale.
• Description of the incentive programs (e.g., solar panels).
• The actual costs of the incentive measures and a transparent budget based on quotes (itemized by quantities, materials, and labor hours).
• A drawing or sketch plan of the residence with sufficient dimensions for both the existing and proposed layouts (floor plans, elevations, and cross-sections).
• A copy of any environmental permit.
• A general schedule for carrying out the work.
• Any other information needed to evaluate the application.

After submitting your application, you can track its status online via Mijn Moerdijk.

The municipality will review your application to determine whether it meets all of the municipality’s requirements. If it does, you will receive a letter of approval from the municipality. This letter will specify the type of loan, the principal amount, the interest rate, the term, any required collateral, and other conditions.