Dion and Floris accidentally found out. But actually just too late to submit the application for their home. The Hoornse Stel feared that their dream fell apart. “I called and then it was told that it was actually too late. But in the end it was just possible. We are the last in Hoorn who received a starter loan.”
Municipalities for millions, except Stede Broec
There are now four new scenarios in Hoorn. Doing nothing, up to 6.75 million euros per year to be able to provide 150 loans. Other municipalities have also recently attracted the wallet. Enkhuizen already collapsed seven tons last year and Drechterland put another 350,000 euros in the pot at the beginning of this year. Opmeer spent 2 million euros at the end of last year, Koggenland 1 million.
Stede Broec is the only municipality with an empty pot that did not take any extra money for starter loans. “There are now 18 starter loans. Only when a loan has been repaid, there will be a new budget,” explains a municipal spokesperson.
‘Banks must borrow more broadly when you purchase a home’
Advisor Arjan de Rijke is happy with the starter loan, because it also ensures flow. But he also hopes that banks will become more flexible with loans. “They of course have to deal with rules. But you can now see that people can sometimes rent for 1,500 euros, but a mortgage of 1,000 euros is not feasible.”
Also at Stimuleringsfonds Volkshuisvesting Nederlandse Gemeenten (SVN) that the starter loans provides on behalf of the municipalities, they notice how popular the loan is. The most recent figures come from 2023. Then 67% more loans were handed out than in 2022.
Build more homes as a real solution
“But HET resolves the fundamental problem on the housing market, the structural housing shortage, “says Janneke Broers, Relationship Manager Noord-Holland of SVN.” For a healthy and accessible housing market, it is necessary to accelerate the construction of new homes, the existing offer Better use and to embrace other structural solutions. We are also actively committed to that. “