Nationale Woongarantie gives homebuyers more assurance

Nationale Woongarantie offers homebuyers the guarantee that they can continue to meet their mortgage payments even in economically challenging times. For sellers, Nationale Woongarantie is a means to enhance the appeal of their property and expedite the sale.

Nationale Woongarantie is an initiative aimed at making the housing market safer and more socially responsible. In a rapidly evolving society, fortunes and misfortunes can unfold swiftly. With Nationale Woongarantie, buyers have the confidence that they can continue to reside in their dream home, even in times of adversity.

Nationale Woongarantie in practice

When selling a house, there is the option to obtain Nationale Woongarantie and add it to the property. This makes the house more appealing to potential buyers. The seller pays a one-time premium of 0.85% of the purchase price of the house for this. After purchasing the house, the buyer can claim the guarantee on our website.

For buyers, Nationale Woongarantie provides the assurance that they can continue to meet their mortgage payments in the event of involuntary unemployment. If the buyer’s (combined) income decreases by more than 15% in the first four years after purchasing the house, Nationale Woongarantie will cover 50% of the gross mortgage expenses (interest and repayment) for two years, with a maximum compensation of €4000 per month.

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The benefits for the buyer

  • Carefree living thanks to the cost-free Nationale Woongarantie

  • A four-year guarantee on housing expenses in the event of involuntary unemployment

  • A net benefit equivalent to 50% of the gross mortgage expenses (interest and repayment) in times of adversity

  • Continued residence in the property, even in times of adversity

The benefits for the seller

  • A more attractive home for potential buyers

  • The house stands out from similar properties in the housing market

  • Faster sale

  • The seller only needs to pay the one-time premium once they receive the purchase price of the house

  • The seller provides the buyer with more assurance

Frequently asked questions about Nationale Woongarantie

What is the role of the notary?

During the transfer of the house, the notary transfers 0.85% of the selling price to Nationale Woongarantie.

How much does NWG cost?

To add Nationale Woongarantie to their house, sellers pay a one-time premium of 0.85% of the selling price of the house. They only need to pay this once they receive the selling price of the house.

What does NWG cover?

Nationale Woongarantie reimburses 50% of the gross mortgage expenses (interest and repayment) up to a maximum of €4000 per month. The buyer receives this monthly allowance if they become involuntarily unemployed and as a result, the total household income decreases by at least 15%.

What is the difference between NWG and NHG?

Nationale Woongarantie reimburses 50% of housing costs if the owner of a house becomes unemployed. The Nationale Hypotheek Garantie (NHG) does not, but pays the residual debt if the owner is forced to sell the house. The NWG prevents that fate and is therefore a sensible and welcome addition to the NHG.

What is the benefit of NWG for buyers?

Buyers who add Nationale Woongarantie to their house make their house more appealing to potential buyers. This significantly increases the likelihood that by choosing Nationale Woongarantie, they will expedite the sale of their house.

How do sellers sign up for NWG?

Sellers apply for Nationale Woongarantie at the moment they put their house up for sale. They can do this easily and quickly through this form. The one-time investment for Nationale Woongarantie is only paid once the house is sold and the seller receives the selling price of the house.

Who pays for NWG?

Nationale Woongarantie is taken out by the seller of the house. They pay a one-time premium of 0.85% of the selling price of the house. The seller only needs to pay this once they receive the selling price of the house.

This is Nationale Woongarantie

Nationale Woongarantie is an initiative to make the housing market safer and more social. In a rapidly changing society, fortunes and misfortunes can occur at a high pace. With Nationale Woongarantie, buyers have the assurance that, even in times of adversity, they can continue to live in their dream home.

Nationale Woongarantie

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NWG Nederland BV.