Nowadays you see solar panels on more and more roofs, or attics are insulated. These energy-saving measures are good for the environment, but also for your own wallet. You save annually on your energy costs. Unfortunately, performing these energy savings on your house is not cheap. Are you not waiting to spend all your savings on it? Then, just like more and more Dutch people, you can choose to take out a loan. A critique at adkoutreach.org
How do I finance my energy savings?
Energy-saving measures cost quite a bit of money. As we have stated before, it is therefore increasingly being decided to take out a loan. You yourself pay a small amount in installments every month, while the energy-saving measures pay for themselves within a few years. After that you will only earn from it.
Take out a loan with the bank
You can choose to request financing from the bank. More and more large banks are coming with a special loan where they offer discounts. Unfortunately, in most cases this discount does not outweigh the high interest rate that the large banks normally ask for. The discount is of course interesting and definitely worth a look. But in the end, do not misunderstand the interest rates that you will still have to pay to be able to take out a loan with a large bank.
Take out an online loan
If you choose to take out your loan online, you are not taking advantage of the special discounts offered by the major banks. On the other hand, you are now dealing with lower interest rates as standard . The online banks can offer this lower interest rate as standard because they do not have to pay for huge offices full of staff.
How do you find the cheapest financing for your solar panels or insulated attic? You do that by requesting quotes. You can request these quotes from the banks but also online. You then compare the customized offers prepared for you. Now you can see where you will have to pay the least interest for the term you choose. You can now also read the conditions at your leisure and compare them with each other. Ask yourself a number of important questions such as: Is it a one-off discount, or does this interest rate remain valid for the entire duration?
Most people who know in advance how much the energy-saving measures will cost them will opt for a personal loan. This personal loan can currently be taken out at a low and fixed interest rate . During the entire term you do not have to worry that you will suddenly have to pay more. You determine the term in advance, so you know exactly when you have fully repaid the loan. You receive the amount of money you want to borrow directly and in full on your account.
In addition to a personal loan, the revolving credit is also a possibility for financing the energy savings of your home. Do you not yet know exactly how much it will cost or when the costs will come? Then the revolving credit gives you a little more flexibility. Because you can, up to the agreed credit limit, withdraw money when you need it. You only pay interest on the amount that you actually borrowed. Extra repayments are always free of charge. Do you want to implement an energy-saving measure or is it a bit more expensive? With a revolving credit, you have the option of simply taking back repaid amounts.
What energy savings are there?
You can achieve an energy-efficient home by taking measures to use as little energy as possible. You can also generate energy yourself. This has several advantages. In addition to being good for the environment, you also save on energy costs. Most measures have earned themselves back within a few years. And the more energy efficient your home is, the higher the energy rating that your home will receive. That makes selling the property a lot easier in the future.
You can make your home energy efficient in a number of ways. We mention a few examples.
- HR combi boiler: By replacing your old central heating boiler with a new HR combi boiler you quickly save 15% to 20% on your heating costs.
- Double glass: Single glass allows a lot of heat to be lost from your home. When you replace this glass with double glass, you will keep the heat inside much better.
- Solar panels: You can choose to generate your own energy by installing solar panels on your roof. And with a solar water heater it is possible to use the energy of the sun to heat the tap water.
By properly insulating your house, you let as little heat escape as possible. This reduces the heating costs. People often choose to insulate the roof, but insulating the outside walls and floor is also a good investment.
What is an energy label for homes?
The energy label indicates in various classes, from A to G, how energy efficient a home is. With this energy label, potential buyers or tenants can see whether a home is energy efficient or not. This way they know before they buy the property whether they will get a low or high energy bill. A class A house, for example, has good insulation, high-efficiency glass, economical heating and solar panels.
By implementing energy-saving measures, you ultimately receive a better energy label. From 2015, all homeowners have received a provisional energy label from the central government. This energy label is made definitive when selling or renting out the property.