Also for a affordable mortgage with National Mortgage Guarantee (NHG) is the right place for you at DGA Financial Advisors. Together with you, we will find the mortgage that best suits your personal situation. Our experienced advisors are happy to help you!
Because DGA The Hague works completely independently and is therefore not bound to any bank or insurance company, you are assured of objective advice. In addition, we can provide you tariffs offer those up to the lowest in the Netherlands belong.
You are always very welcome at our office in The Hague. Or would you prefer one of our advisors to visit you? Then we would be happy to make an appointment with you!
Many customers in The Hague, Scheveningen, Voorburg, Leidschendam, Voorschoten, Stompwijk, Zoetermeer, Nootdorp, Rijswijk, Wassenaar, Pijnacker, Delft and Wateringen have a affordable mortgage with National Mortgage Guarantee (NHG) via DGA Financial Advisors closed. Of course, we are also happy to help you!
The National Mortgage Guarantee (NHG) is the name of the guarantee you can get when you take out a loan to buy or renovate a home. With the National Mortgage Guarantee, you can be sure of a responsible and affordable mortgage. In addition, with NHG, you limit the financial risks of owning your own home. Now, but also in the future.
There are a number of conditions for a mortgage with NHG. When you buy a home, you can take out a mortgage with NHG if the mortgage amount is lower or equal to the cost limit. The cost limit for NHG is linked to the average purchase price in the Netherlands (€355,000). The ratio between the amount of the loan and the market value of the home is called Loan to Value (LTV). The LTV is 100%. Only if you take energy-saving measures, the LTV is 106%.
In practice, this means that there are 2 cost limits:
When you take out a mortgage, you agree with the lender about the payment of your mortgage costs. However, there may be situations in your life that temporarily make it impossible to repay all or part of the mortgage. To bridge this difficult period, you can then qualify for the Housing Expenses Facility so that you can continue to live in your home.
If you are no longer able to meet your payment obligations, you may have to sell your home and the proceeds from your home may be less than the amount you still have to repay. A residual debt then occurs. This residual debt is then paid by the Guarantee Fund to the lender. If you are not at fault for the forced sale, for example if your income falls due to unemployment or disability, or if one of the two incomes drops, for example due to divorce, the Guarantee Fund can waive you this amount and you therefore no longer have to repay this amount. This is subject to the condition that you have helped to reduce the residual debt as much as possible. This means, for example, that if you are in arrears, you contact the bank as soon as possible to see how you can make up for this arrears.
