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NHG limit up in 2025: Building inspection a must!

As the National Mortgage Guarantee (NHG) threshold rises to €450,000 in 2025, homebuyers, particularly first-timers, gain greater access to financing options, paving the way for more affordable and secure property purchases. Understanding the role of a compliant building inspection in this process is crucial, as it not only ensures a fair valuation and reveals potential maintenance costs but also enhances negotiation power and financial security, making the NHG an attractive option for those prioritizing sustainability and higher-value homes.

Starting January 1, 2025, the threshold for the National Mortgage Guarantee (NHG) will increase again. While the threshold was raised to €435,000 in 2024, it will reach €450,000 in 2025. This increase offers buyers, especially first-time buyers, more options for financing a home with NHG. But what exactly does this increase entail, and why is a building inspection according to NHG standards often required for a successful application? The Homekeur team will discuss it with you.

What exactly is the NHG and how does it work?

The National Mortgage Guarantee (NHG) is a safety net that protects both the lender (the bank) and the buyer against financial problems. The NHG assumes part of the risk, which is beneficial in unforeseen circumstances such as unemployment or divorce. For the buyer, this often means (slightly) lower monthly payments due to a discount on the mortgage interest rate. In return, the NHG requires several guarantees, such as an independent building inspection if there are any deferred maintenance issues. Homekeur can arrange this for you.

Request NHG building report

As mentioned earlier, a building inspection report compliant with the National Mortgage Guarantee (NHG) provides you with many important insights. It can influence your decision to purchase the property. At Homekeur, our reports meet all requirements. You are guaranteed an independent assessment. You'll receive up-to-date information and a clear overview of necessary repairs. This completes your NHG mortgage application and helps you enter negotiations better prepared.

With the rising NHG threshold in 2025 and the benefits it offers, you're well on your way to a financially secure home purchase. This is especially true if you're looking for a house in the higher price range, or if sustainability is important to you. For more information or to request an NHG building inspection , you can easily schedule an appointment online with Homekeur.

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