Financing

Real estate financing for private individuals

Maximum flexibility in the realisation of your real estate project. With a flexible mix of conditions and a comprehensive range of services, we can meet your specific needs.

Your benefits at a glance

Various financing models provide you with maximum benefit
Opportunity to switch the mortgage model within your credit line
A partner with vast experience in the financing of investment properties
Precise and prompt processing with clear-cut points of contact
and short decision paths

Strong regional roots

Our regional networks and our many years of experience enable us to make a difference in the advice we provide. Based on our mortgage models, we make a significant contribution to the success of your real estate project.

Private real estate financing

Buying or building a home of your own often means realising a life's dream. We accompany you throughout this important phase, providing you with advice and assistance. The same goes for renovation and conversion work and for extending mortgages that are about to expire. We also specialise in the financing of investment properties. With these investments we accompany you from the property search to financing, so that you can achieve the expected return.

Overview of mortgage options

Model	Main features	Suitability
Fixed-rate mortgage	Fixed interest rate over the entire term. Term of 2-10 years.	You know the long-term costs of financing and want to use fixed values in your calculations. You expect interest rates to rise.
Variable-rate mortgage	Variable interest determined by the current market situation. No fixed term. Can be terminated at any time subject to a six-month notice period.	You wish to remain flexible. You want to profit from the movements of the market and are able to bear the respective risk.
Flex mortgage	Interest rate based on the daily compounded SARON^® («SARON^® Compound») Interest rate period: 1, 3, or 6 months Interest rate: known at the end of the interest rate period Minimum contract term: 3 years (product switch possible at the end of the interest rate period )	You would like to benefit from the generally lower money market interest rates or are expecting interest rate cuts. You can absorb interest rate fluctuations.
CIC Flex mortgage	Interest rate based on the daily compounded SARON^® («SARON^® Compound») Interest rate period: 1, 3, or 6 months Interest rate: known at the start of the interest rate period Minimum contract term: 3 years (product switch possible at the end of the interest rate period)	You would like a degree of planning security. You would like to benefit from the generally lower money market interest rates or are expecting interest rate cuts. You can absorb interest rate fluctuations.
Current account overdraft	Variable interest rate plus 0,25% lending fee p. a. No term limit. Largely equivalent to the variable-rate mortgage.	You want short-term flexibility in the use and repayment of your loan.
Construction loan	Variable rate of interest and partial consolidations are possible. Converted into a mortgage on completion of construction. On current account basis.	You wish to realise a construction, conversion or renovation project.
Land loan	Fixed or variable interest rate. Term maximum 2 years.	You wish to (pre) finance land ready for building.