Street view of tenanted apartments in Den Helder
Stabiel

A fixed rate of interest on tenanted homes

Stabiel is a loan on tenanted homes that we have delivered and invested in, with a term of five to seven years. You receive fixed interest of 6.25% a year, paid from the monthly rental income. Your loan is secured by a mortgage on the homes and a pledge over the rental income, both held by an independent foundation.

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Interest
6.25% a year, paid monthly
Term
5 to 7 years
Security
2nd mortgage
Purpose
Rental finance
From
€ 100,000
How Stabiel works

Fixed interest, with your security held by an independent foundation

With Stabiel, you and the other lenders make a loan to the company that owns the homes. In exchange, you receive interest that is fixed for the entire term and paid from the monthly rent on those homes. You are not buying a home or a share in a housing fund. Tenants, maintenance and vacancies remain our job, so you do not have to deal with them.

As security, a civil-law notary creates a mortgage on the homes and registers it with the Land Registry (Kadaster), which is a public register. Your loan is therefore tied to homes in the Netherlands that you can visit and that produce rental income. Each project is also held in a separate company that owns only those homes, so other projects do not affect your loan.

Stichting Crowdfundersbelangen is an independently appointed foundation. It holds the mortgage and the pledge over the rental income on behalf of all the lenders and represents their interests. For each project, it signs a trust deed with the company and keeps a register of the lenders and their claims. Its board is separate from Woonstaete, and we cannot replace the foundation without the lenders' consent. If the company does not meet its obligations, the foundation acts for the lenders as a group. It can collect the rent and have the homes sold, so you do not have to go to the notary or the courts yourself.

How the security works The foundation
Aerial view of the villa-style block in Brummen with its tenanted homes
The source of your interest

The same monthly amount, paid from rent on tenanted homes

The rent from the tenants pays your interest. The homes are affordable and compact, in the segment with the greatest shortage. We have delivered and invested in them, we let them ourselves, and they are already tenanted when your loan starts.

  1. 1 The rent comes in The tenants pay their rent to the company that owns the homes before the first of the month. The homes are already occupied at the start, so rent is paid from the first month of your loan.
  2. 2 The homes are kept in good order From that rent, the company pays your interest and the cost of management and maintenance. Woonstaete bears the costs and risks of running the homes, such as vacancy between tenants, and these are not deducted from your interest.
  3. 3 Your interest, a fixed amount paid monthly If you invest € 300,000, you receive € 1,562.50 a month. Over five years, that adds up to € 93,750 in interest, and the loan amount is repaid at the end of the term. 6.25%a year
Living room of an occupied apartment in Meppel, with the balcony doors open

Why the rent is reliable

Where the housing shortage is greatestAffordable, compact homes for first-time renters and small households. For one project of 24 apartments, around a hundred people from all over the country applied within three days.
Homes we have delivered and invested inWe developed, delivered and invested in the homes ourselves, to the same quality standards as every earlier project. As a result, we know every detail of the homes that secure your loan.
Let and managed in-houseWe choose the tenants ourselves, both when the homes are first let and at every change of tenant, and we keep management and maintenance in our own hands.
A fixed amount, whatever the market doesYour interest is a fixed percentage of your loan and does not change when market conditions do.
Key terms

A Stabiel loan at a glance

The exact terms of your loan are set out in the project documents in the portal. Every Stabiel loan falls within these key terms:

TermFive to seven years, at a fixed rate for the entire term.
RepaymentThe loan amount is repaid in a single payment at the end of the term.
CostsA one-off charge of 1% on top of the loan amount. There are no other costs.
Private or companyYou can invest as a private individual or through a company.
The loans side by side

Three loans, each with its own profile

Rust and Stabiel are loans on tenanted homes, secured by a first or a second mortgage. Opbouw runs during the construction period, secured by a second mortgage on the land.

Rust

5% interest a year

On tenanted homes, with a first mortgage. Interest paid monthly, term 5 to 7 years, from € 100,000.

Read about Rust

Stabiel

6.25% interest a year

On tenanted homes, with a second mortgage. Interest paid monthly, term 5 to 7 years, from € 100,000.

This page

Opbouw

8% interest a year

During the construction period, with a second mortgage on the land. Interest paid quarterly, term 12 to 18 months, from € 200,000.

Read about Opbouw

The offering shows which project your Stabiel loan belongs to.

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Leave your email address and we will let you know as soon as a new project is ready for investment, with the interest rate, the term and the homes involved.

Next steps with Stabiel

Choose your next step

We would be glad to meet you for a personal conversation. You can already create an account in the portal. Investing is not possible yet; as soon as a project opens, your account will be ready and you will find all the documents there.

Get your account ready
6.25%a year

Create an account

Investing is not possible yet. As soon as a project opens, you can read the documents in the investor portal and sign online. Once your identity has been verified, you will receive the payment request.

Go to the portal
Talk to us first
Portrait of Vincent Sybrandy

A personal conversation

Vincent Sybrandy will take you through the loan, the security and the documents, with no obligation at all.

investeren@woonstaete.nl
+31 6 37 39 74 69

Get in touch
Read first
The cover of the general Woonstaete brochure

The brochure

Woonstaete's loans, the mortgage and the foundation, what we have delivered so far and how to invest.

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Request the brochure
The cover of the general Woonstaete brochure
The general Woonstaete brochure The loans, the security and the people behind them. You will receive the brochure as soon as you have completed the form.
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Frequently asked questions

Four questions we often hear about Stabiel

Do I become a co-owner of the homes?

No. You make a loan to the company that owns the homes and become its creditor, with a mortgage on the homes and a pledge over the rental income as security. Maintenance, vacancies and tenant matters are therefore our responsibility. You receive fixed interest, which does not move with the value of the homes.

How is the interest funded?

It is paid from the rent. The homes behind a Stabiel loan are already occupied when the loan starts, and the rent on those homes pays the monthly interest. The interest is not paid from money put in by later lenders.

What happens if the company does not meet its obligations?

A remedy period under the loan agreement applies first. After that, the foundation can collect the rent and have the homes sold on behalf of all the lenders, who are then paid from the proceeds. Some risk remains. The security page explains how that process works.

Can I sell my loan or end it early?

No. The loan cannot be traded and runs until the end of the term. The Information Memorandum, which you can read in the portal, sets out what is and is not possible during the term.

All questions