rentekorting energiezuinig huis: de voorwaarden

Interest rate discount for energy-efficient homes

Terms and conditions for the sustainability discount

You will receive a discount of 0.15% on your mortgage interest if you purchase a home with an Energy Performance Coefficient (EPC) of 0.4 or less, or an Energy Index between 0 and 0.7. You must be able to provide evidence of this.

Ask your adviser

During your mortgage meeting, the mortgage adviser will make you aware of the discount and can make the necessary arrangements for you. However, if you think you are eligible for the discount, you can always state this yourself.

The EPC and the Energy Index explained


Energy Performance Coefficient (EPC)

The Energy Performance Coefficient (EPC) reflects a new-build property’s energy-efficiency. Since 1 January 2015, the EPC norm for new-build properties has been set at 0.4.

A home’s Energy Index

The Energy Index specifies how energy-efficient a home is. The lower the rating, the more energy-efficient the home. An official EPA adviser establishes the Energy Index. You can find an adviser through the following websites (in Dutch):


Terms and conditions for the sustainability discount

If you already have a mortgage with us and your home is eligible for the sustainability discount, you can only get the discount at the following times:

  • When your mortgage interest rate is changed
  • When you change your fixed-rate period early.
  • When you convert your mortgage interest rate from variable to fixed.

The sustainability discount will then be effective only during the term of the next fixed-rate period. As soon as this fixed-rate period ends, the discount will cease to apply, as it only applies for a single fixed-rate period.

Other terms and conditions

  • The sustainability discount applies to ABN AMRO’s Woning Hypotheek and Budget Hypotheek mortgages.
  • The sustainability discount applies to fixed-rate periods of between 1 and 30 years.
  • The sustainability discount applies to all rate categories
  • The sustainability discount also applies to National Mortgage Guarantee-backed mortgages
  • If you apply for a mortgage increase during the fixed-rate period, the sustainability discount will only apply to the amount by which the loan is increased. Pre-existing loan components will remain unchanged during the fixed-rate period.
  • If you implement energy-efficiency measures at your home and you finance the costs under your mortgage, you may be eligible for the discount if an official EPA adviser compiles a report specifying that your home has an Energy Index between 0 and 0.7. Ask your adviser about the terms and conditions.

Situations in which you will not receive an interest rate discount

  • If the home does not comply with the EPC norm of 0.4 or lower, or if the home does not have an energy index of between 0 and 0.7.
  • If you have a variable interest rate or use the Euribor interest rate.
  • If you already have a staff discount or are covered by a group staff scheme.

Reasons for taking out a mortgage from ABN AMRO

Personalised mortgage

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Contact with adviser

Our advisors are always on hand to help you in English. Make an appointment