asn bank beperkt aflossingsvrije hypotheek tot 30% van de woningwaarde

2026-02-24 economie

Amsterdam, dinsdag, 24 februari 2026.
Vanaf 11 mei 2026 mag bij de asn bank slechts nog 30 procent van de woningwaarde met een aflossingsvrije hypotheek worden gefinancierd. Dit is een daling van de huidige limiet van 50 procent. De maatregel geldt voor nieuwe hypotheekaanvragen, herfinancieringen en verhogingen. Het beleid is een direct antwoord op herhaalde waarschuwingen van de acm, dnb en afm over de groeiende risico’s van aflossingsvrije leningen. Banken lopen het gevaar op grote verliezen bij dalende huizenprijzen. Bovendien dreigt bij klantproblemen een lastende restschuld. asn bank benadrukt dat de stap draait om verantwoord kredietgebruik en langdurige financiële stabiliteit voor zowel klant als bank.

asn bank reduces interest-only mortgage limit to 30 percent

From 11 May 2026, ASN Bank will restrict the interest-only portion of new mortgages to a maximum of 30 percent of the home’s value [1]. This marks a reduction from the previous ceiling of 50 percent [2]. The policy applies to new mortgage applications, refinancing, and increases to existing loans [3]. The move aligns with growing scrutiny from financial regulators concerned about systemic risks tied to non-amortizing debt [4]. Customers can still combine partial repayment structures with limited interest-only components under the revised framework [5].

regulatory pressure drives lending changes

The adjustment follows public warnings issued by the Netherlands Authority for Consumers and Markets (ACM), De Nederlandsche Bank (DNB), and the Authority for the Financial Markets (AFM) earlier in 2026 [4]. These institutions highlighted dangers linked to high levels of interest-only borrowing, including potential losses for lenders during housing downturns [6]. They also stressed borrower vulnerability, particularly the risk of residual debt upon maturity [7]. Currently, around 45 percent of Dutch mortgages carry no amortization requirement, amplifying sector-wide exposure [8]. ASN Bank states its decision balances client interests with institutional stability [9].

existing contracts protected amid broader industry shift

Holders of current ASN Bank mortgages retain their original terms, including higher interest-only portions, throughout the life of their loan agreements [3]. Even after fixed-rate periods expire, the conditions remain unchanged unless borrowers modify their mortgage—such as through relocation or capital raising [10]. This grandfathering approach prevents immediate disruption for established customers [11]. ASN Bank joins market leader Rabobank, which introduced similar constraints effective 11 May 2026, although Rabobank additionally caps the absolute amount at €150,000 [12]. Other affiliated entities such as SNS, Regiobank, and BLG Wonen will implement identical standards [1].

Bronnen

aflossingsvrije hypotheek hypotheekbeleid