Financing & cost allocation
How can we finance sustainability measures as a Home Owners Association (HOA)?
Options include using the reserve fund, taking out an HOA loan, applying for subsidies, a one-off contribution from owners, or a combination of these. In practice, a mix is often the best solution. We are happy to help you explore the options.
Is there a loan specifically for HOAs?
Yes. There are national schemes offering loans with low interest rates. We are happy to explain the conditions.
How do we distribute costs and benefits fairly?
Agreements should be formally recorded in a resolution of the Annual General Meeting (AGM) and, where necessary, in the Internal Regulation. We can share practical examples.
Sustainability Subsidy Scheme for Home Owners Associations (SVVE)
This scheme is intended for (mixed-use) HOAs, housing associations or housing cooperatives that wish to make their buildings more sustainable, from advice through to implementation.
The scheme consists of three components: sustainability research/advice; sustainability measures; and advice on charging points and basic charging infrastructure.
Examples of measures include: insulation of façades, roofs and floors; installation of heat pumps; connection to a district heating network and charging point infrastructure.
Conditions include, among others: the HOA building must meet specific requirements; applications for measures must be submitted before implementation; and previously carried-out advice or research may only be partly eligible.
The scheme is currently scheduled to was closed 31 December 2027.
How does the SPOR subsidy scheme work?
The SPOR scheme (Process Support Subsidy for Scaling Up Renovation Projects) is specifically intended for HOAs and other partnerships that collectively make homes more sustainable. It is a national subsidy that covers the costs of professional process support, not the measures themselves, and aims to encourage scaling up.
By applying for the SPOR scheme, you can appoint a process coordinator who prepares a sustainability plan, enabling renovation projects to be scaled up.
Please note: the 2026 SPOR scheme has a shortened duration and now runs until 30 September 2026. The current application period was closed at 31 December 2025.
How does the HOA Members’ Loan work?
If your HOA undertakes sustainability measures financed through an HOA Energy Saving Loan from the National Heat Fund, the monthly HOA contribution will usually increase.
If you have a low income and find this difficult to afford, you can apply individually for a members’ loan. Your HOA does not need to be informed. The loan carries 0% interest and is repaid upon sale of your apartment.
Would you like to know more? Submit your question — we will treat it confidentially.
Loans and other financing options
Municipal or regional subsidies may also be available as an additional source of funding. Always check local authority websites.
Need help or more information?
Submit your question via the contact form so that we can assist you more effectively.
VvE Platform 040 is a network of experienced HOA volunteers, established to share knowledge and experience with board members and other HOA representatives. For specialist legal, financial or technical advice, we are happy to refer you to the appropriate authorities or experts.
Want to know more? Sumit your question via the contact form.
National and local regulations, news & government subsidies
Outer shell of the building & structural matters
Inspections, advice & planning
Financing & cost allocation