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Borrowing carefree

Borrowing carefree

thanks to our credit protectors

Lowest interest

Lowest interest

fixed interest from 3.5%

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Customer appreciation

a 4.8 out of 5 on Trustpilot.nl

A second home on one of the Wadden Islands, a house in Spain or a house for one of your studying children: there are several reasons why you want to invest your savings in a second home. A smart idea, especially now that your savings yield almost no return. However, it is often the case that you need extra financing because you either do not have enough savings or because you want to keep some savings on hand. Not sure how to arrange the financing? At Pringlelab Credit Collection you have come to the right and reliable address.

Mortgage or loan for a second home?

If you are looking to take out a mortgage for a second home, you will quickly find that there are not many mortgage lenders who fully finance a second home. A mortgage lender sets requirements for the construction nature of your house (made of stone and with a tiled roof) and you often have to bring in your own money. If a mortgage is already provided, it is often a small amount with additional built-in securities for the bank and additional costs. Do you not want to take out a mortgage or do you not receive one? A loan is a good alternative to financing a second home. It is arranged faster than a mortgage and another advantage is that you do not pay any closing or advisory costs, such as appraisal and notary fees.

Main differences between mortgage and loan

Are you planning to buy a second home, but are you unsure whether to opt for a mortgage or a loan? We have listed the most important differences between them:

  • A mortgage may have a slightly lower interest rate than a loan, but due to the longer term, you often pay more than with a loan.
  • With a mortgage you will not receive interest deduction for a second home, with a loan you will.
  • With a mortgage you need your own money for financing. Most banks will not finance more than 75% of the amount of the purchase price of a second home. You can finance the full amount with a loan.
  • With a mortgage you pay additional costs for the notary, advice and the broker. You do not pay any extra costs with a loan.

Types of loan for your second home

Do you finally want that holiday home on Vlieland or does your studying son or daughter need a place in a student city? When buying a second home, there are various types of loan that you can choose from at Nederland Krediet Collectief, namely a Personal Loan, a Revolving Credit or a Combination Credit.

Financing a second home with a Personal Loan

The advantage of a personal loan is that you borrow a fixed amount and this entire amount is paid out to you in one go. You borrow this amount at a fixed term and fixed interest from 3.5%. This is the lowest interest rate in the Netherlands. You know exactly where you stand, because you know exactly on what date the loan was repaid in advance. Another advantage is that you can always repay free of charge without penalty to repay the loan faster.

Financing a second home with a Continuous Credit

If you opt for a revolving credit, you determine how much money you want to withdraw, up to the credit limit. So you have more flexibility and always have money to hand, because you can always withdraw repaid amounts again. There is no fixed date on which the loan must be repaid. The revolving credit is not a common choice for financing a second home. At most banks you can only borrow up to 50,000 us dollars with a revolving credit.

Financing a second home with a Hybrid Credit

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

  • Two personal loans
  • Part Personal loan and part revolving credit

Thanks to our combination credit, borrowing an extra high loan amount is possible. The risk is spread because the loans are placed with several of our partner banks. As a result, the combination credit offers several and better options, namely a high loan amount of up to 150,000 us dollars and a low interest rate. Are you planning to rent out your second 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.

Benefits of borrowing money from Pringlelab Credit Collection

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

  • The maximum loan amount for a second 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 advice and closing costs.
  • Always the low interest rate in the Netherlands, namely from 3.5%.
  • The best conditions.
  • You can request a quote completely free of charge and without obligation.

Calculate how much you can borrow for your second home

Wondering if you can borrow the necessary amount for your second 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%.