In 2019 you can buy a property up to €290.000 with Dutch National Mortgage Guarantee (NHG). If you are planning on investing in energy-efficient facilities for your home, the maximum permitted financing cost with NHG is €307.400. NHG is a guarantee that when you are into financial problems because of a divorce, sickness or unemployment you will get financial help by Stichting Waarborgfonds Eigen Woning. Do you still need to sell your house? The fund will help you. Because of the extra certainty, you get a discount on your mortgage rate.