Чи можу я включити витрати на ремонт у свою іпотеку?

Yes, in many cases you can finance a renovation (verbouwing) by adding it to your mortgage, as long as it fits within your home's value after the work and your borrowing capacity. The extra amount is usually paid out through a building depot (bouwdepot) as the work is done. Energy-saving measures often allow extra borrowing room on top of the normal limit.

Чи можу я отримати ремонтну позику (verbouwingslening)?

Yes, you can finance home improvements either by increasing your mortgage (hypotheek verhogen) or with a separate renovation loan (verbouwingslening). Adding it to the mortgage is usually cheaper thanks to the lower rate and possible interest deduction, while a personal loan (persoonlijke lening) can be faster for smaller projects. The best route depends on the amount and your home's value.

Чи можу я фінансувати ремонт при купівлі житла під відновлення?

Yes, when buying a home that needs work you can often include the renovation in your mortgage, based on the home's expected value after the improvements (waarde na verbouwing). A valuation report (taxatierapport) stating the post-renovation value and a building depot (bouwdepot) are normally used to make this possible. This lets you buy and upgrade an older property in one financing.

Чи підвищує ремонт вартість мого житла й WOZ?

Often yes, improvements such as a new kitchen, an extension or a better energy label (energielabel) can raise both your home's market value and its official WOZ value (WOZ-waarde). A higher value can also increase your equity (overwaarde) and improve your future mortgage options. Energy-efficiency upgrades in particular tend to add value and lower running costs.

Чи потрібен мені дозвіл, щоб відремонтувати чи розширити житло (omgevingsvergunning)?

Багато дрібних ремонтів не потребують дозволу, але більші роботи, як-от прибудова (aanbouw), мансардне вікно (dakkapel) чи конструктивна зміна, часто потребують дозволу на забудову (omgevingsvergunning) від муніципалітету. Перевірка правил перед початком убезпечує від проблем і штрафів згодом. Дозволені ремонтні роботи часто можна фінансувати в межах іпотеки чи будівельного депозиту.

Що мені варто знати, якщо я знайду азбест (asbest) у будинку?

Asbestos (asbest) is common in older Dutch homes and is mainly a risk when it is damaged or disturbed during renovation, not when left intact. Removal must be carried out by a certified asbestos-removal company (gecertificeerd asbestverwijderingsbedrijf), often after an inventory survey. The removal cost can frequently be included in a renovation mortgage or building depot (bouwdepot).

Що таке bouwdepot (будівельний депозит)?

A bouwdepot (building depot) is a reserved part of your mortgage used to pay renovation or new-build invoices, released in stages as the work progresses. You usually earn interest on the unused balance, which offsets part of the cost of the extra borrowing. It is the standard way to fund a verbouwing or nieuwbouw within your mortgage.

Що таке енергетичний ярлик (energielabel) і чи потрібен він мені?

An energy label (energielabel) shows how energy-efficient a home is, on a scale from A to G, and is legally required when you sell or rent out a property. A better label can raise a home's value and appeal, and can unlock extra borrowing room for buyers who plan to make it more sustainable (verduurzamen). It is registered per address.

Як видаляється азбест і чи можу я це фінансувати?

Asbestos removal (asbest verwijderen) must be done by a certified specialist who safely removes and disposes of the material, usually after an asbestos inventory (asbestinventarisatie). Because it makes a home safe and habitable, the cost can often be financed within a renovation mortgage or a building depot (bouwdepot). A permit or notification to the municipality is generally required first.

Як я можу фінансувати енергоощадні покращення житла (verduurzaming)?

You can often finance energy-saving improvements (verduurzaming) such as insulation (isolatie), solar panels (zonnepanelen) or a heat pump (warmtepomp) by adding them to your mortgage, sometimes above the normal lending limit. An energy budget (energiebespaarbudget) and various subsidies can lower the cost further. A better energy label also improves your home's value and future borrowing room.

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