Incentive Program

Under this incentive program, you can borrow money to make improvements to your home or property that enhance sustainability, safety, and/or accessibility for all life stages.

Please note: The incentive loan is not a grant, but a loan. You must therefore repay the loan in full.

The complete list of measures that may qualify you for an incentive loan can be found in the list of measures under the incentive program.

Some examples of this include:

• Sustainability:
  • Solar Panels
  • Isolation Measures
  • HR++ glass
  • Heat Pump
• Lifetime durability
  • Bedroom and bathroom on the ground floor
  • Induction Cooktop
  • Wider doors
  • Down with Barriers
  • Home Automation Applications (Automating Tasks in and Around the Home)
  • Stairlift
• Safety
  • Certified Locks and Hardware
  • Lighting near the exterior doors
  • Smoke and Carbon Monoxide Alarms
  • Alarm System

Terms and Conditions

You are eligible if the following conditions are met:

• You are the owner and occupant of the home for which you are applying for the loan, or you are the owner and user of the property for which you are applying for the loan.
• Your home or accommodation is located in the municipality of Moerdijk.
• The measures are subject to the terms and conditions of the program.
• You meet all other (financial) requirements.

Loan Terms

• The loan for a home ranges from a minimum of €2,500 to a maximum of €35,000 (including VAT).
• The term of a home loan is 10 years for amounts up to €12,500 and 15 years for amounts ranging from €12,500 to €35,000.
• The loan for a property ranges from a minimum of €2,500 to a maximum of €50,000 (including VAT).
• The term of a loan for a residence is 10 years for amounts up to €15,000, and 15 years for amounts from €15,000 to €50,000.
• The municipality sets the interest rate at 1.7% when granting the loan.
• The interest rate is fixed for the term of the loan.
• The loan is in the form of a construction loan.
• You can repay the loan at any time without penalty, with a minimum payment of €250.
• The loan is structured as a private agreement or a mortgage deed.
• The City Council will reject an application if the budget is insufficient to cover it.

Features of the Incentive Loan

Municipal Applications

Do you meet the requirements? First, check whether a permit is required for the work. For example: Solar panels are not exempt from permit requirements within the Willemstad fortress.

Be sure to include the following attachments with your application:

• A land registry certificate of ownership or a copy of the deed of sale.
• Description of the incentive measures (e.g., solar panels).
• The actual costs of the incentive measures and a transparent budget based on quotes (itemized by quantities, materials, and labor hours).
• A drawing or sketch plan of the house with sufficient dimensions for both the existing and proposed layouts (floor plans, elevation views, and cross-sections).
• A copy of any environmental permit.
• A general schedule for carrying out the work.
• Any other information needed to evaluate the application.

After submitting your application, you can track its status online via My Moerdijk.

The municipality will review your application to determine whether it meets all of the municipality’s requirements. If it does, you will receive a loan approval letter from the municipality. This letter will specify the type of loan, the principal amount, the interest rate, the term, any required collateral, and other conditions.