Minister Stef Blok voor Wonen erkent dat de nieuwe Blok-hypotheek uiteindelijk duurder is dan een ‘gewone’ annuïtaire hypotheek. Dat schrijft hij in een brief aan de Tweede Kamer. Kopers met een Blok-hypotheek sluiten naast de hypotheek nog een aparte lening af, waarmee ze de maandlasten ‘kunstmatig’ laag houden. Hierdoor vallen in de eerste maanden de maandlasten lager uit, maar blijft er aan het einde van de looptijd wel een schuld over. Daarnaast zijn over de gehele periode de kosten hoger dan bij een gewone annuïtaire of lineaire hypotheek.

De minister stelt in zijn brief duidelijk dat de tweede lening uitermate flexibel is. Zo is het niet verplicht om een lening voor precies de helft van de waarde van de woning te nemen. Mensen mogen ook minder lenen en kunnen tussendoor stoppen met de lening. Daarnaast hoeven zij ook niet direct de lening af te sluiten, maar mogen ze dat ook later doen. Die tweede lening is een specifieke afspraak tussen de hypotheekverstrekker en de huizenbezitter. Zo hoeft de looptijd van de lening niet dezelfde looptijd te zijn als de hypotheek. Ook hoeft de rente over het geleende bedrag niet hetzelfde te zijn als de hypotheekrente.

Banken en hypotheekverstrekkers zijn tot nu toe afwachtend geweest met de invoering van de nieuwe hypotheekvorm. De banken stellen dat ze niet goed kunnen inschatten wat de gevolgen zijn van de nieuwe regels en hypotheekvorm.

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De meeste banken en hypotheekadviseurs zien vooralsnog niets in de Blok-hypotheek. Zij verwachten niet dat de Blok-hypotheek aansluit op een behoefte in de markt en hebben dan ook geen plannen de hypotheek aan te bieden. Daarnaast hekelen zij de complexiteit en de hoge kosten van het product. Dat blijkt uit een rondgang onder de tien grootste hypotheekverstrekkers door online hypotheekadviseur Hypotheek24 in samenwerking met RTL Nieuws. De hypotheek moest het starters mogelijk maken om een huis te kopen en de woningmarkt weer in beweging brengen.

Uit de rondgang blijkt dat de twee grootste hypotheekverstrekkers van Nederland, Rabobank en de ING, geen plannen hebben om een Blok-hypotheek aan te bieden. Ook andere banken, zoals SNS, Moneyou, Delta Lloyd en Royal Bank of Scotland laten weten geen haast te maken met de productontwikkeling of het product niet als commercieel interessant te zien. Alleen ABN Amro zegt in de tweede helft van het jaar een dergelijke hypotheek aan te willen bieden.

Peter Ruys, directeur van Hypotheek24: ‘Je ziet dat zowel hypotheekverstrekkers als klanten niet op het product zitten te wachten. Dit is nou typisch een plan dat in de Haagse wandelgangen is bedacht, maar waar de markt niet op zit te wachten.’

De Blok-Hypotheek is door minister Blok van Wonen ontwikkeld om starters te helpen op de woningmarkt. De consument sluit met een Blok-hypotheek naast een normale annuïteitenhypotheek een extra schuldopbouwhypotheek af. Deze extra lening wordt gebruikt om de maandlasten uit de eerste hypotheek te dempen. Aan het einde van de looptijd blijven consumenten hierdoor echter wel met een restschuld zitten. Daarnaast zijn de totale kosten die de consument betaalt voor zijn hypotheek een stuk hoger dan bij een normale annuïteiten- of lineaire hypotheek.

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Hypotheek24 is de eerste online hypotheekadviseur en zal medio april worden gelanceerd. Zij wil consumenten helpen hun hypotheek zelf online te regelen. Hypotheek24 is een idee van DGN Groep, ook bekend van ZorgKiezer.nl en DeGoedkoopsteNotaris.nl.

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In vergelijking met vorig jaar steeg het aantal verkochte woningen in Flevoland, Noord-Holland, Gelderland en Zuid-Holland. In Utrecht was de stijging met 41,5 procent het grootst. In elke provincie werden in februari meer verkochte woningen geregistreerd dan in januari.

Om de kwakkelende woningmarkt een impuls te geven willen institutionele beleggers, zoals pensioenfondsen en verzekeraars, investeren in hypotheken. Die conclusie trekt Kees van Dijkhuizen, vicevoorzitter van de bank NIBC, die afgelopen weken in opdracht van minister Stef Blok van Wonen met de financiële sector overlegde.

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Van Dijkhuizen adviseert de minister een werkgroep op te richten om deze richting verder te onderzoeken. Hij stelt voor dat het minst risicovolle deel van hypotheekportefeuille – de zogeheten NHG-hypotheken – over te dragen aan een nationale instelling. Die kan dan obligaties plaatsen op de kapitaalmarkt met een overheidsgarantie. Voordeel daarvan is volgens Van Dijkhuizen dat deze obligaties voor pensioenfondsen aantrekkelijk worden en banken hun hypotheken makkelijk en goedkoper kunnen financieren.

Dat zou er dan weer voor moeten zorgen dat een lagere hypotheekrente aangeboden kan worden. Voor Minister Blok is dit interessant omdat dit kan leiden tot herstel van vertrouwen in de woningmarkt.

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