Funding
Borrowing from BV
It is often borrowed from a private limited company. This is therefore possible even if no tax has yet been paid on it, as it is a loan.
Surplus value of own property
You can also appeal to parents or acquaintances who can draw surplus value from their homes. They can borrow this money on favourable terms.
Savings
Of course, ordinary savings is also an option to finance the student room. It is possible to put the room in parent's name and rent it out as well as in student's name.
What does it cost?
For a purchase price of, say, €150,000 with a standard annuity mortgage, you would pay around €673.57 a month in interest and repayments. With an installment-free option, you reduce this to €437.50 a month, which can be more financially attractive during your studies.
Another important aspect to consider is the potential increase in property value. With an annual increase of about 4%, the value of the student room can increase by about €25,000 after four years, which is a nice addition to the assets.
No-obligation mortgage advice now
Fill in the form and we will approach you about the possibilities of withdrawing surplus value on your own home! Completely non-binding.
