Verkiezingen & de woningmarkt

1. Mortgage interest relief
BBB does not mention mortgage interest relief in its election programme. It is therefore unclear what the party's plans are on this point.

2. Making homes more sustainable
According to BBB, making a home more sustainable should not become an obligation for homeowners. The party does believe that the abolition of the net metering scheme should be postponed until 2023. BBB also believes that insulating poorly insulated homes should be a priority.

3. A tight housing market
BBB wants responsibility for housebuilding to remain with municipalities and provinces. Where homes are built is not a matter for national politics. According to the party, agricultural land may only be used for housebuilding once other solutions have been examined.

BBB wants to make the housing market accessible with affordable homes, especially in rural areas. The party is also a strong supporter of an owner-occupancy requirement.

1. Mortgage interest relief
Partij voor de Dieren wants mortgage interest relief to remain possible up to the National Mortgage Guarantee amount. For amounts above that, the PvdD wants to abolish mortgage interest relief at a faster pace than now (0.5 per cent per year).

2. Making homes more sustainable
Partij voor de Dieren wants to focus fully on energy saving, with homes insulated on a large scale and better information about more conscious energy use. It wants a clear plan for making the housing stock more sustainable, with measurable targets, so that the housing stock is energy neutral in 2030. It also wants solar panels on buildings to become the norm, and all new building to be circular, gas-free and at least energy neutral, using natural, renewable and recycled materials as much as possible. It also wants new building on locations that are resilient to the climate.

3. A tight housing market
Partij voor de Dieren wants to make room for homes. It wants to achieve this by choosing a 75 per cent reduction in the number of animals in livestock farming, which would solve the nitrogen crisis. Besides restoring nature, the PvdD says this would create room for homes. It also wants to use existing buildings more smartly, for example by converting office buildings, tackling vacancy and encouraging people to move on. It wants to encourage multi-generational living, and a mortgage should be available to more than two people. The PvdD also wants to build more social rental homes and to ban the sale of social rental homes unless they are replaced one for one in the same municipality.

1. Mortgage interest relief
BIJ1 wants to abolish mortgage interest relief.

2. Making homes more sustainable
BIJ1 believes the energy transition calls for a different vision of living and building. With an eye on the possible impact of climate change in both the short and the long term, BIJ1 wants climate-adaptive building to become the norm. When building permits are issued, accessibility, sustainability and a climate paragraph should be decisive factors. The landlord becomes responsible for upgrading energy-inefficient homes. BIJ1 wants to make funds available for making social housing more sustainable, and renting out homes with energy labels G, F and E would no longer be allowed. BIJ1 wants all rental homes to have been renovated to at least energy label A or B by 2030, and to be heated without natural gas.

3. A tight housing market
BIJ1 wants to ensure that everyone has access to pleasant, safe and affordable homes, because it regards housing as a right. It wants to enshrine the right to housing in law. BIJ1 also wants to introduce an occupancy requirement and fine vacant homes. It wants to levy an extra tax on owning homes worth more than 500,000 euros and to nationalise housing associations. It also wants to make as many existing homes as possible suitable for people with a disability. BIJ1 wants to focus on building more social housing, including through land policy in the form of actively acquiring private land.

1. Mortgage interest relief
The CDA has not formulated a position on mortgage interest relief.

2. Making homes more sustainable
The CDA sees a larger role for municipalities in making homes more sustainable, especially in poorer neighbourhoods. The party would like low and middle incomes to be able to borrow from the National Heat Fund at 0 per cent interest if they want to make their homes more sustainable.

3. A tight housing market
The CDA has the ambitious plan to build almost 1 million homes before 2030. Two thirds of those should be easily affordable. The party pays particular attention to first-time buyers, families and older people.

For first-time buyers and people in vital professions, the CDA wants to tighten the rules. Municipalities should be able to give these people priority when allocating affordable homes.

1. Mortgage interest relief
The ChristenUnie wants to phase out mortgage interest relief. It wants to continue the restriction of mortgage interest relief that is already under way. The proceeds would be used to lower income tax for everyone.

2. Making homes more sustainable
The ChristenUnie wants to encourage modular and prefab building, which combines well with timber construction and bio-based materials. In its view, innovative housebuilding also offers opportunities to use natural building materials on a large scale instead of stone, steel and concrete.

3. A tight housing market
The ChristenUnie wants a fair housing policy with equal opportunities for everyone. It wants 100,000 homes to be added each year, a large share of which would be available to first-time buyers and older people. In its view the government has an important role here, in particular the requirement that two thirds be built as affordable housing, including 30 per cent social rental homes. The ChristenUnie wants the government to provide a construction guarantee for housebuilding. Simplifying and speeding up permit procedures would also add to the housing stock. It also wants to reuse vacant buildings and make better use of the existing stock to encourage people to move on.

1. Mortgage interest relief
D66 wants to phase out mortgage interest relief to 0 in the coming years.

2. Making homes more sustainable
In its programme, D66 refers to a National Insulation Offensive to insulate existing buildings better. The party talks about all-in-one sustainability programmes. To encourage homeowners, D66 wants to keep offering subsidies for making homes more sustainable.

3. A tight housing market
If it were up to D66, more would be built in future in line with the composition of the population. The party states that the current housing supply is not only too small, but also does not match the living situation of many people. According to D66, more should therefore be built for first-time buyers, students and older people. D66 does want to limit new building to within the built-up area.

1. Mortgage interest relief
DENK wants to abolish mortgage interest relief for wealthy property owners.

2. Making homes more sustainable
DENK wants to give priority to tackling energy poverty and to take a firmer approach to making privately owned homes more sustainable, for example by classifying single glazing as a maintenance defect. It also wants to limit the net metering scheme to 2,500 kWh, not abolish it. DENK does not want sustainability requirements that stand in the way of new housebuilding.

3. A tight housing market
DENK wants a Minister for Housing who takes central control and is given binding powers to designate areas for housebuilding. DENK also wants to put more money into incentive funds to stimulate housebuilding. It wants 40 per cent of homes to be social owner-occupied or rental homes, 40 per cent affordable mid-range rental homes and 20 per cent the top segment. It also wants to encourage people to move on by giving a financial bonus to older people and by building multi-generational homes. DENK also wants to introduce a first-time buyer scheme that lets starters borrow money interest-free to buy a home.

1. Mortgage interest relief
Forum voor Democratie does not want any further phasing out of mortgage interest relief. If it happens anyway, homeowners should be compensated.

2. Making homes more sustainable
Forum voor Democratie is against compulsory sustainability measures and wants to stop unnecessary sustainability requirements that push prices up. It also wants to stop subsidies for making homes more sustainable and the obligation to install solar panels.

3. A tight housing market
Because of the housing shortage, Forum voor Democratie believes more homes must be built quickly in the short term, particularly in the mid-range segment. It wants a maximum of 10 per cent social rental homes. It should also become easier to convert homes and to transform office buildings. Forum voor Democratie also wants to encourage home ownership and multi-generational homes.

1. Mortgage interest relief
JA21 wants to stop the phasing out of mortgage interest relief for as long as mortgage interest remains at the current level.

2. Making homes more sustainable
JA21 focuses on preserving green areas around cities. When developing new homes, it also wants a tailored approach in order to preserve spatial and landscape quality.

3. A tight housing market
JA21 wants to introduce housebuilding targets for municipalities and to use direction from The Hague to remove obstacles and stimulate housebuilding. JA21 also wants to promote home ownership for middle incomes and first-time buyers, including single buyers. It wants to encourage people to move on, so that the right homes become available for the right group of buyers. It wants to speed up building through shorter procedures and standardised requirements in the construction process. It also wants to designate new Vinex locations for larger-scale and faster building, and to build for the market so that supply and demand are matched.

1. Mortgage interest relief
NSC does not mention mortgage interest relief in its election programme. It is therefore unclear what the party's plans are on this point.

2. Making homes more sustainable
NSC sees the importance of making homes more sustainable in order to keep energy bills affordable. The party gives this shape by using the proceeds from the auction of CO2 rights to make rental homes more sustainable. For new building, NSC wants to encourage the use of bio-based raw materials, sustainable timber and recycled materials.

3. A tight housing market
NSC wants an active role for the government in housebuilding. A Minister for Housing and Spatial Planning would determine the number of homes to be built each year. The provinces may decide where new owner-occupied and rental homes are built. NSC also focuses on new inexpensive and affordable homes for first-time buyers. A notable plan is to allow employers to build a house for their employees.

1. Mortgage interest relief
PvdA/GroenLinks wants to phase out mortgage interest relief step by step.

2. Making homes more sustainable
PvdA/GroenLinks wants an insulation offensive for existing homes, with priority for low and middle incomes. Solar panels should remain available and affordable for everyone. PvdA/GroenLinks therefore argues that the payback period should always encourage people to make their homes more sustainable.

3. A tight housing market
PvdA/GroenLinks wants to build 100,000 affordable homes every year, both to rent and to buy. A housebuilding fund should stimulate new building, as should simplifying laws and regulations. PvdA/GroenLinks believes in high-rise building in the large cities. In some areas, municipalities should give low and middle incomes priority for affordable owner-occupied homes.

1. Mortgage interest relief
The PVV does not mention specific plans for mortgage interest relief in its election programme.

2. Making homes more sustainable
The PVV is against compulsory sustainability measures, such as making homes gas-free and a mandatory heat pump.

3. A tight housing market
According to the PVV there is a considerable shortage of homes in the Netherlands. It therefore wants to build more owner-occupied homes, not only within cities but also outside them. For example, 'an extra street' in towns and villages. It argues for building more social rental homes, more mid-range rental homes and more owner-occupied homes. It also wants municipalities to issue building permits faster and to shorten procedures. The obstructive nitrogen rules should be scrapped as well.

1. Mortgage interest relief
The SP wants to keep mortgage interest relief only for homes below the NHG limit (405,000 euros in 2023). For homes above this limit, mortgage interest relief would disappear entirely.

2. Making homes more sustainable
The SP wants all suitable roofs in the Netherlands to be fitted with solar panels. Asbestos roofs would also be fitted with panels immediately after replacement. According to the party, the government should take an active role in the energy transition.

3. A tight housing market
In its programme the SP argues for a special ministry of housing that is responsible for accommodation. The party wants a regulated focus on affordable housebuilding. If it were up to the SP, buying in order to invest would also come to an end.

1. Mortgage interest relief
The SGP is positive about scaling back mortgage interest relief, but it believes this should not have adverse financial consequences for homeowners. The SGP is not in favour of abolishing it.

2. Making homes more sustainable
The SGP's starting point is affordable, reliable and achievable sustainability. The SGP wants gas-free to be the norm for new building, and for existing buildings it wants to focus on energy saving. The SGP favours appropriate sustainability measures per category, with a tailored approach as an important principle. The SGP believes that investments in sustainability should be in proportion to the return. It also wants building-linked financing to become possible.

3. A tight housing market
The SGP wants to ease the housing shortage, with supply matching demand better. According to the SGP, municipalities are primarily responsible for providing good and affordable homes, but regional cooperation between municipalities and provinces is necessary. The SGP believes the government should ensure that enough homes are or will become available in all segments of the housing market, with priority for various segments such as starter homes and homes suitable for every stage of life. The SGP also believes the government should encourage people to move on in the housing market.

1. Mortgage interest relief
Volt wants to phase out mortgage interest relief and the imputed rental value completely. This should happen step by step, with a phase-out path until 2030.

2. Making homes more sustainable
Volt would like stricter sustainability requirements for new building. From 2030, according to the party, all new building must meet net-zero emissions. For existing buildings, Volt wants to make insulating glass mandatory and to invest in insulation, ventilation and clean heat. Homeowners should be able to borrow at a low interest rate to make their homes more sustainable.

3. A tight housing market
Volt also sees building more as the main solution to the tight housing market. The party wants to build more than 1 million new homes, with special attention to suitable housing for everyone. This means, among other things, a larger supply for first-time buyers and middle incomes.

1. Mortgage interest relief
If it were up to the VVD, mortgage interest relief would not be cut back any further. In recent years mortgage interest relief has already been phased out in small steps. According to the liberals, further phasing out is not desirable.

2. Making homes more sustainable
The VVD wants to make sustainability more affordable for homeowners, for example through a sustainability loan in cooperation with the NHG. Costs of making a home more sustainable should also be deductible from the imputed rental value.

3. A tight housing market
The VVD also wants to build hundreds of thousands of new homes in the coming years: owner-occupied homes and social rental homes. It sees an active role for politics in this.
For first-time buyers, the VVD wants to expand the options through a National Fund for Affordable Owner-occupied Homes. It should also become easier for first-time buyers to get a mortgage, for example by giving less weight to student debt.