This amount is intended to help homeowners, including households with a low income, to make their home more sustainable and thereby permanently reduce the energy costs.
The fund offers loans on favorable conditions, with interest -free loans for households with a joint income up to 60,000 euros. In addition, the households that cannot borrow much do not have to pay off for the first five years. The situation is then reassessed. The Heat Fund may again provide capital within a few months.
Energy poverty stubborn
This extra financial boost comes when the energy poverty in the Netherlands continues to rise structurally: households cannot structurally pay their energy costs. According to research institute TNO, the share of households in energy poverty rose to 6.1 percent last year.
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The National Heat Fund, which already provided 223 million euros in loans to more than 14,000 households in the first half of 2025, is seen as a more structural solution to this problem. Also to speed up the energy transition.
High energy prices
The National Heat Fund has proved to be important to quickly tackle the energy poverty, which was painfully in the wallet, especially due to the rising gas price after the Russian invasion of Ukraine. The fund makes it possible for thousands of households, who otherwise would not have the resources, to invest in measures that permanently reduce their energy costs.
Last year ING made 250 million euros available for this support fund, in 2023 another 200 million euros. Rabobank came together with 450 million euros in support.
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Whereas temporary government support such as the Emergency Fund was on Energy in a few days, the Heat Fund offers a structural solution. In May 2025 it was announced that the government has allocated an additional 750 million euros for the fund, because the money ran out very quickly.
Permanently
The political pressure is increasing to make the heat fund permanent, in order to guarantee access to affordable homes.
Both ING and Rabobank previously emphasized the importance of permanent support, preferably from politics. Michiel van der Zant, director at Rabobank, calls the fund a “shining example” of how cooperation between government and business can “substantially accelerate the energy transition.”