Slimmer Kopen Eindhoven: how does it work and which mortgage suits you?

Buying a home in Eindhoven can feel out of reach. With Trudo’s Slimmer Kopen® scheme, you buy a property for less than its market value. This can make the difference between continuing to rent and owning your own home.

The lower purchase price comes with conditions. You share any change in the property’s value, and the original discount is settled when you sell. What does this mean for your mortgage, monthly payments and plans to move in the future?

Homeloan provides clear explanations and independent mortgage advice. You understand what Slimmer Kopen means for you before making a decision.

What is Slimmer Kopen?

With Slimmer Kopen, Trudo offers homes at a discount of up to 30% on their market value. The discount available to you depends on the property offered and the applicable conditions.

You become the full owner of the property. You pay the mortgage, maintenance and other ownership costs yourself. For an apartment, this also includes contributions to the owners’ association, known in Dutch as the Vereniging van Eigenaren or VvE.

With the same contribution from your own savings, the lower purchase price means you need to borrow less than you would when buying the property without a discount. This reduces your mortgage payments.

How does the discount work?

Suppose a property has a market value of €300,000 and you buy it with a 30% discount. The discount is €90,000, so you pay €210,000 for the home.

You do not receive that €90,000 in your bank account. You buy the property at a lower price. When you sell later, the original discount is settled and you share the increase or decrease in value according to your contract.

The discount makes the purchase more affordable, but it is not an amount you can keep in full when you sell.

What happens when you sell the property?

If you want to move, you must first offer the property to Trudo. Trudo has the first right to buy it back. This is not the same as an unconditional buyback guarantee.

If Trudo decides not to buy the property back, you can sell it on the open market. You still need to settle the original discount and the agreed share of the change in value.

Example: the property increases in value

Let us use the property from the earlier example. You bought it for €210,000 when its market value was €300,000.

At the time of sale, its market value has risen to €350,000. Suppose your contract allocates 70% of the change in value to you and 30% to Trudo. This example excludes home improvements and selling costs.

You still need to repay the outstanding mortgage from that €245,000. The amount left after repayment and any costs is what you keep.

A fall in value is also shared. However, this does not completely remove the risk of having a mortgage shortfall after selling.

The allocation in your purchase agreement is decisive. Older contracts may use a different ratio from newer contracts. A 30% discount therefore does not mean that Trudo receives 30% of the change in value under every existing Slimmer Kopen agreement.

A mortgage for a Slimmer Kopen home

You take out a mortgage to finance the purchase. Your income, financial commitments and savings are important. The financing must also fit the conditions of Slimmer Kopen.

At Homeloan, we make your options clear. How much can you borrow? What monthly payments fit your lifestyle? How much of your own money do you need for the purchase? And what does the scheme mean if you want to move in a few years?

You receive both a calculation and an explanation of the choices involved. This helps you decide whether the property fits your financial situation.

Renovating: what happens to the added value?

A new kitchen, bathroom or extension can increase the value of your home. For certain improvements, the added value belongs entirely to you and is excluded from the value sharing arrangement.

This concerns the value added to the property, not automatically the amount on the invoice. A €20,000 renovation does not necessarily add €20,000 to your sale proceeds. The added value is established during the valuation.

Different conditions apply to improvements carried out through the owners’ association. Discuss any renovation plans during your mortgage consultation.

Already own a Slimmer Kopen home and planning your next move?

When you want to buy another home, it is important to know in advance how much money will become available from your current property.

Simply subtracting your outstanding mortgage from the market value is not enough. The discount, value sharing arrangement and any improvements must first be reflected in the expected sale proceeds.

At Homeloan, we discuss how much you can use for your next purchase and how to coordinate the sale and financing. Bring your original purchase agreement and an up-to-date mortgage statement to the meeting.

Independent advice on Slimmer Kopen in Eindhoven

Homeloan is independent of Trudo and the selling party. You receive personal advice from Niels de Jong, an independent mortgage adviser in Eindhoven.

We explain the benefits, the arrangements when selling and the implications for your finances. We take your plans into account, whether you are buying your first home, moving in together, renovating or planning to move again later.

Already have a property in mind? Bring the sales information so we can apply the explanation directly to your situation.

Frequently asked questions about Slimmer Kopen