Little budget, nevertheless a house

AMSTERDAM - according to estimates of the ministry of vrom the Netherlands wide 770,000 potentiële buy starters counts. These starters want move best of a hiring - to a buy house, but dare the step put because there are insufficiently payable buy houses. For them regulations seem such as bring help to the starter loan. According to the association own house (VEH) starters on the buy house market deserve however much more support. The starter loan is put by more than 50 municipalities available. Financing up to 240,000 euro, therefore within the national mortgage guarantee standard, qualifies for this. It goes here an interest-free loan with which the starter can finance the difference between what he is possible and what he must pay. Costs a house for example 150,000 and can the starter but 120,000 euro cough up, then the municipality can supply the difference as extra loan. These are interest-free and the first three years grace. „Daarna for also a period of three years it is examined what is possible the purchaser on the basis of its income, however, missen”, Arjan Westerneng of the foundation explain stimulation fund volkshuisvesting Dutch municipalities (SVn). „Zolang entering the purchaser not sufficient is the total carry charges, has he no costs to the starter loan, but intention is that he after course of time from the regulation groeit.” A splendid solution, thus seems it. Toch the SVn have suffered since the regulation two years geïntroduceerd only 450 loans had been supplied. A pure logistical problem, thus lays western-narrow from: „De question from the starter angle is enormous. The problem is only that there in the short time that the loan exists, too little budget has been built for to the question at voldoen.” The SVn have on this influence also no; municipalities stipulate themselves how much budget them available put. Also the starter loan applies to only a selective part of the house stock, because determine municipalities themselves which construction projects and renewal areas qualify. Moreover the purchasers must also still to conditions if a certain age (by municipality differing), income and tie with the city to satisfy. At the municipality counter starters can examine to which projects their municipality applies the loan and if they come in in comment. It is striking that the conditions which strongly put municipalities mutually differ. Western-narrow: „Soms the rules have been strictly formulated consciously this way that but few people for the loan in comment komen.” Director adds Elly of of the lock: „De practice has however proved that this product works with regard to form and technique. Meanwhile 50 municipalities participate, whereas it our objective was after a year 25 have municipalities in our portfolio. Of course it would be very beautiful when all 470 municipalities participate and this a tailor-made job regulation gets also rural consequence, with (financiele) support of vrom. We are about this in conversation with ministerie.” THE VEH are less enthusiastic concerning the starter loan. Nico Stolwijk, manager collective member importance: „Tot now the starter loans appear a drop on the glowing plate: 450 loans in two years reflect the meaning for the Dutch house market clearly. Although the starter loan if regulation puts not yet this way crazy in each other and be anticipated can on the local house market, the lack of money break the loan op.” According to the VEH must, in supplement on the starter loans at municipal level, a new rural regulation come of which buy starters to a modal income can profit. Stolwijk: „Naast the ordinary maximum loan, these households, within agreed would border, leningdeel must be able close that their leencapaciteit go of what at above and the charges are paid entirely from rentesubsidie.” Moreover the starter loan must acquire more reputation as a product. In the information around a project or house the possibility of the loan must clearly stands declared. „En because the loan is coupled to the national mortgage guarantee (NHG), it would be malignant the foundation guarantee fund own designate houses as central institute of leningsvorm”, decision bob Meuse of the VEH. More knows? Look on www.eigenhuis.nl/starter loans or www.svn.nl research association own house becomes the starter loan geëvalueerd soon. The association own house went out in advance himself on research and reached the following findings: - Varies the maximum leenbedrag of € 24,000 (West country) up to € 50,000 (other municipalities). - The average amounts to loan amount approximately € 34.500. - chooses 50% of the municipalities for a generic commitment (thereby, however, between existing construction and nieuwbouw can be distinguished), in the other cases there talk of thematic commitment is. Thereby nieuwbouwprojecten or district renewal areas which qualify for a starter loan, are designated. - 60% of the municipalities only commitment the starter loan for nieuwbouwprojecten. - Strongly varies altitude of the budget by municipality. This runs of € 125,000 (stone mounts) up to € 5,000,000 (end courts). - In all cases the applicant must resident within the municipality be where purchase takes place. Applies that the applicant minimum één up to six years resident must be within the municipality. - 30% of the municipalities have linked a maximum age limit to the regulation. - The maximum verkrijgkosten variëren of € 135,000 (almere) up to € 230,000 (several municipalities). - 50% of the municipalities have chosen to take income borders. - These income borders variëren of € 30,000 (Wester-Koggenland) up to € 52,000 (Gemert-Bakel). - Of all loans approximately 25% come at the expense of the municipality almere. Other regulations for starters purchasers with a house where the financing not above € 240,000 ends up, qualify for the national mortgage guarantee (NHG) of the foundation guarantee fund own houses. She stands – under strict rules! – guarantor at possible payment problems. Because the bank because of this less risk runs, he gives the consumer an interest discount. People with a low income can also claim buy subsidy. At buy subsidy you get monthly an allowance in the mortgage charges. This contribution can run up to maximum € 168.14 per month. Pay attention, however,: because of disappointing results the buy subsidy by 1 January 2006 will come expire.
Source "little budget, nevertheless a house": telegraph

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