National Heat Fund — 0% loan for sustainable home upgrades
Borrow up to €69,000 for insulation + heat pump at 0% (low income) or 2-4% (other). Online application, decision in 6 weeks.
The National Heat Fund (warmtefonds.nl) offers interest-free loans for sustainability to households under an income limit (€45,014 single / €60,000 with partner, 2026), and market rates above. Term 7-20 years. Loan paid to installer, not you. Plan: (1) energy advice from certified energy coach (often free via municipality); (2) quote from certified installer; (3) application at Warmtefonds with quote + income; (4) approval in 6 weeks; (5) work executed; (6) payment direct to installer. Combinable with ISDE — get subsidy + loan for the remainder. For tenants: separate route via landlord + rent-reduction arrangement.