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.
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
A more attractive home for potential buyers
The house stands out from similar properties in the housing market
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
During the transfer of the house, the notary transfers 0.85% of the selling price to Nationale Woongarantie.
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%.
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.
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.
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.
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.
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.