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Free quote

within 24 hours

Borrowing carefree

Borrowing carefree

thanks to our credit protectors

Lowest interest

Lowest interest

fixed interest from 3.5%

Customer appreciation

Customer appreciation

a 4.8 out of 5 on Trustpilot.nl

Buying your own holiday home: it is a long-cherished dream for more and more English people. Spain, France, Italy or nice and close to home here in the Netherlands, for many people it is a nice idea to have their own holiday home somewhere in a favorite place to get away from the issues of the day. Do you recognize this wish, but are you not sure how to arrange the financing? Then you have come to the right and reliable address at Nederlands Krediet Collectief.

We see an increasing demand for loans for holiday homes, both for private recreation and investment. Especially now that the money in the savings account hardly pays off, a holiday home can be a very good investment. With a financing of up to 150,000 us dollar it is possible to make such a dream come true. This can be done quickly, safely and online at Nederlands Krediet Collectief.

Mortgage or loan for a holiday home?

If you buy a first home, a mortgage is almost always used in the case of a loan. The advantage as a future home owner is that you pay a low (mortgage) interest and can make use of a mortgage deduction. These benefits only apply to the purchase of a first home and not to a holiday home. It is possible to finance your holiday home with a (equity of your current) mortgage or a partial second new mortgage. You can then finance the remaining part of the purchasing behavior with a personal loan. Do you not want to take out a mortgage or do you not receive one? Then you can choose to take out a loan for the entire amount for an amount of 150,000 us dollars.

A loan has many advantages over a (second) mortgage. With a loan you do not pay any extra costs, such as notary, appraisal / broker and closing / consultancy costs. Your holiday home is therefore not mandatory collateral for the new financing. Suppose you choose to buy the house as an investment, it is more advantageous to have a shorter investment period of, for example, a maximum of ten years instead of thirty years with a mortgage. Taking out a loan for a holiday home is a lot cheaper, especially if you opt for a shorter term. Especially if you have some of your own resources, it is a great option to enjoy your holiday home with a fixed repayment.

Advantages of a Personal Loan with English Credit Collective

Borrowing money for a holiday home from Pringlelab Credit Collection has several advantages. We have listed these for you:

  • The maximum loan amount for a holiday home is often higher with us than with other lenders, namely up to 150,000 us dollars.
  • You arrange everything online.
  • You do not pay any closing costs.
  • Always the lowest interest rate in the Netherlands, namely from 3.5% fixed for 10 years.
  • The best conditions, always pay off without penalty.
  • You can request a quote completely free of charge and without obligation.

Types of Loans for Your Vacation Rental

Do you want to realize your dream of your own holiday home and are you planning to take out a loan for this? Then at Pringlelab Credit Collection you can choose from three types of loans, namely a Personal Loan, a Continuous Credit or the Combination Credit.

Financing a holiday home with a Personal Loan

If you opt for a personal loan, you borrow a fixed amount of up to 150,000 us dollars at a fixed interest and term. You will receive this amount in one go. You pay the same amount every month and you are debt-free at the end of the term. So you know exactly where you stand and you cannot be tempted to borrow more money. It is possible to always make extra repayments in the interim without penalty, so that you can pay off the loan earlier.

Financing a holiday home with a Continuous Credit

It is not common to use revolving credit to finance a holiday home. At most banks you can only borrow up to 50,000 us dollars with a revolving credit. It is possible to take out a combination credit, in which you place part of the total loan amount in a revolving credit. This way you can still take advantage of the benefits that a revolving credit offers you, such as re-withdrawing repaid amounts, always having money on hand and a variable interest rate.

Financing a holiday home with a Hybrid Credit

The Hybrid credit is a combination of several loans, namely:

  • Two personal loans

In this form of loan, the best of two banks is combined by spreading risk. If you opt for a combination credit with two personal loans, the interest costs are tax deductible. The interest and term are fixed and you pay the same charges every month. With the combination credit you have the security of a personal loan and you therefore know exactly where you stand.

Thanks to the risk spreading of a combination credit, we can offer a lower interest rate and higher loan amounts are possible for the financing of recreational objects, such as a caravan or camper , bungalow, chalet and holiday home. Are you planning to rent out your holiday home? Then you can repay the rental income directly in the revolving credit part or pay off extra installments on the part of the personal loan without penalty.

Calculate how much you can borrow for your holiday home

Wondering if you can borrow the necessary amount for your holiday home? Calculate it below with our calculation tool.

Your maximum justified loan amount:

Realizing the loan for your holiday home in 4 steps

Your loan realized in 4 steps

Apply for loan online

Apply online

Not sure about your choices? Our advisors always go through the application with you.

Tailor-made loan quote

Tailor-made offer

We will discuss your wishes and options together. You will receive the most suitable offer from us.

Send your documents in a personal environment

Send documents

You can provide all necessary documents digitally online in your personal environment.

The money in your account within 2 working days

The money in your account

We will handle the rest for you free of charge. The money will be in your account within 2 working days.

What do customers say about our services?

Date: Tuesday January 12

“A very pleasant experience with Pringlelab Credit Collection. They ask you for a shout, but then all the data is ultimately correct. Only when they are satisfied do they forward the application. This gives confidence. Furthermore, communication is fast and pleasant. ”

Mrs. Van Apeldoorn

View all 1142 reviews

On trustpilot.com we score a 4.8 out of 5

5 stars on Trustpilot

Current interest rates

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Do you have questions?

Most answers to your questions can be found on our frequently asked questions page . Do you have a question that is not answered on our website, or would you like to discuss your options with one of our specialists? Then contact us by e-mail or telephone.

Our team is available online 7 days a week to answer your questions.

Apply for your loan online now via our application form
And receive a proposal within 24 hours

Contact details

California office

visiting address
147 Hamill Avenue
1354 AS California

Correspondence Address
Box 2887
1702 California

T 085 - 760 89 89

[email protected]

The information in the overviews on our website is an indication. We use the lowest interest rate for this. The final rate depends on your personal situation. The total costs of the loan depend on the interest, the loan amount, term and the monthly installment. The annual percentage rate reflects the actual cost price (interest) of the product. The minimum term of a Personal Loan is 12 months, the maximum term is 120 months. The minimum interest is 3.5%, the maximum legal interest is 14%.

eg. The total price of a $ 50,000 Personal Loan is $ 59,177 based on a 120-month term with a monthly term of $ 493.14 and an interest rate of 3.5%.