Nationale Woongarantie speeds up sales and provides homebuyers with more assurance

Nationale Woongarantie offers homebuyers the guarantee that they can continue to meet their housing expenses even in economically challenging times. For sellers, Nationale Woongarantie serves as 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

For those selling a house, there is the option to take out and add Nationale Woongarantie to the house, making it more appealing to potential buyers. The seller pays a one-time premium of 0.85% of the selling price of the house for this. This one-time premium is paid by the seller at the notarial transfer of the house, so no advance financing is required. The buyer can then claim the guarantee after purchasing the house.

For buyers, Nationale Woongarantie provides more assurance that they can continue to cover their mortgage expenses in case 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 pay out for a maximum of 24 months, covering 50% of the gross mortgage expenses (interest and repayment), with a maximum compensation of €4000 per month.

This gives the buyer peace of mind and security.

The benefits of Nationale Woongarantie for the real estate agent:

A more appealing home

The addition of Nationale Woongarantie instantly enhances the attractiveness of a house, as it ensures the buyer of a net payout equivalent to 50% of the gross mortgage expenses in case of involuntary unemployment.

Faster sale

Nationale Woongarantie is attractive to buyers. Many specifically seek out a house with Nationale Woongarantie. Consequently, a house with Nationale Woongarantie will sell faster and at a higher yield.

The seller provides the buyer with assurance

With Nationale Woongarantie, the buyer enjoys more peace of mind and security, as only with Nationale Woongarantie are they guaranteed a net payout equivalent to 50% of the gross mortgage expenses in case of involuntary unemployment.

Onderscheid je van andere makelaars

Nationale Woongarantie is becoming a household name in the Netherlands, but it’s not quite there yet. By highlighting Nationale Woongarantie to your sellers, you can set yourself apart as a real estate agent and reap the benefits it offers to both buyers and sellers.

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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 benefit of NWG for real estate agents?

The Nationale Woongarantie generates more interest in the house from the buyer. This significantly increases the likelihood of the house selling faster and at a better price.

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 role of the real estate agent?

The real estate agent informs the seller about the possibilities of Nationale Woongarantie, after which the seller can contact Nationale Woongarantie to apply for a certificate.

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.