Slimste keuze
Hypotheekrente met NHG
Met NHG krijgt u de laagste rente én een vangnet als het tegenzit. De NHG-grens in 2026 is €405.000.
Snel antwoord
3.35%
Laagste 10jr rente
3.56%
Gemiddeld
€1.542
Maandlast (€350K)
Bij Argenta · 10 jaar vast · NHG · maart 2026
Alle aanbieders — NHG
50 aanbieders| # | Aanbieder | 1jr | 5jr | 10jr | 20jr | 30jr | Maandlast* |
|---|---|---|---|---|---|---|---|
| 1 | ArgentaLaagste | 2.95% | 3.10% | 3.35% | 3.60% | 3.75% | €1.542 |
| 2 | Leef Hypotheek | 2.96% | 3.11% | 3.36% | 3.61% | 3.76% | €1.544 |
| 3 | Lot Hypotheken | 2.98% | 3.13% | 3.38% | 3.63% | 3.78% | €1.548 |
| 4 | Tulp Hypotheken | 2.98% | 3.13% | 3.38% | 3.63% | 3.78% | €1.548 |
| 5 | Sparq | 2.99% | 3.14% | 3.39% | 3.64% | 3.79% | €1.550 |
| 6 | MUNT Hypotheken | 3.00% | 3.15% | 3.40% | 3.65% | 3.80% | €1.552 |
| 7 | Profijt Hypotheek | 3.01% | 3.16% | 3.41% | 3.66% | 3.81% | €1.554 |
| 8 | Woonnu | 3.02% | 3.17% | 3.42% | 3.67% | 3.82% | €1.556 |
| 9 | BLG Wonen | 3.03% | 3.18% | 3.43% | 3.68% | 3.83% | €1.558 |
| 10 | IQwoon | 3.03% | 3.18% | 3.43% | 3.68% | 3.83% | €1.558 |
| 11 | HollandWoont | 3.04% | 3.19% | 3.44% | 3.69% | 3.84% | €1.560 |
| 12 | Florius | 3.05% | 3.20% | 3.45% | 3.70% | 3.85% | €1.562 |
| 13 | Nationale Hypotheek | 3.05% | 3.20% | 3.45% | 3.70% | 3.85% | €1.562 |
| 14 | Woonfonds | 3.06% | 3.21% | 3.46% | 3.71% | 3.86% | €1.564 |
| 15 | Obvion | 3.07% | 3.22% | 3.47% | 3.72% | 3.87% | €1.566 |
| 16 | Merius Hypotheken | 3.07% | 3.22% | 3.47% | 3.72% | 3.87% | €1.566 |
| 17 | PGGM Hypotheken | 3.08% | 3.23% | 3.48% | 3.73% | 3.88% | €1.568 |
| 18 | a.s.r. | 3.09% | 3.24% | 3.49% | 3.74% | 3.89% | €1.570 |
| 19 | Hypotrust | 3.09% | 3.24% | 3.49% | 3.74% | 3.89% | €1.570 |
| 20 | Stater | 3.10% | 3.25% | 3.50% | 3.75% | 3.90% | €1.572 |
| 21 | Centraal Beheer | 3.11% | 3.26% | 3.51% | 3.76% | 3.91% | €1.574 |
| 22 | NN Hypotheek | 3.12% | 3.27% | 3.52% | 3.77% | 3.92% | €1.576 |
| 23 | Quion | 3.12% | 3.27% | 3.52% | 3.77% | 3.92% | €1.576 |
| 24 | Aegon | 3.13% | 3.28% | 3.53% | 3.78% | 3.93% | €1.578 |
| 25 | Achmea Bank | 3.13% | 3.28% | 3.53% | 3.78% | 3.93% | €1.578 |
| 26 | Lloyds Bank | 3.14% | 3.29% | 3.54% | 3.79% | 3.94% | €1.579 |
| 27 | Nationale Nederlanden | 3.15% | 3.30% | 3.55% | 3.80% | 3.95% | €1.581 |
| 28 | Syntrus Achmea | 3.15% | 3.30% | 3.55% | 3.80% | 3.95% | €1.581 |
| 29 | Reaal | 3.16% | 3.31% | 3.56% | 3.81% | 3.96% | €1.583 |
| 30 | SNS Bank | 3.17% | 3.32% | 3.57% | 3.82% | 3.97% | €1.585 |
| 31 | Bank of Scotland | 3.17% | 3.32% | 3.57% | 3.82% | 3.97% | €1.585 |
| 32 | Delta Lloyd | 3.18% | 3.33% | 3.58% | 3.83% | 3.98% | €1.587 |
| 33 | De Volksbank | 3.19% | 3.34% | 3.59% | 3.84% | 3.99% | €1.589 |
| 34 | ABN AMRO | 3.20% | 3.35% | 3.60% | 3.85% | 4.00% | €1.591 |
| 35 | RegioBank | 3.21% | 3.36% | 3.61% | 3.86% | 4.01% | €1.593 |
| 36 | Zwitserleven | 3.21% | 3.36% | 3.61% | 3.86% | 4.01% | €1.593 |
| 37 | Knab | 3.22% | 3.37% | 3.62% | 3.87% | 4.02% | €1.595 |
| 38 | Rabobank | 3.23% | 3.38% | 3.63% | 3.88% | 4.03% | €1.597 |
| 39 | Moneyou | 3.24% | 3.39% | 3.64% | 3.89% | 4.04% | €1.599 |
| 40 | Friesland Bank Hypotheken | 3.24% | 3.39% | 3.64% | 3.89% | 4.04% | €1.599 |
| 41 | ING | 3.25% | 3.40% | 3.65% | 3.90% | 4.05% | €1.601 |
| 42 | ASN Bank | 3.27% | 3.42% | 3.67% | 3.92% | 4.07% | €1.605 |
| 43 | NIBC Bank | 3.36% | 3.51% | 3.76% | 4.01% | 4.16% | €1.623 |
| 44 | Vista Hypotheken | 3.38% | 3.53% | 3.78% | 4.03% | 4.18% | €1.627 |
| 45 | Handelsbanken | 3.39% | 3.54% | 3.79% | 4.04% | 4.19% | €1.629 |
| 46 | Triodos Bank | 3.40% | 3.55% | 3.80% | 4.05% | 4.20% | €1.631 |
| 47 | Dynamic Credit | 3.40% | 3.55% | 3.80% | 4.05% | 4.20% | €1.631 |
| 48 | BNP Paribas | 3.42% | 3.57% | 3.82% | 4.07% | 4.22% | €1.635 |
| 49 | Bunq | 3.45% | 3.60% | 3.85% | 4.10% | 4.25% | €1.641 |
| 50 | InsingerGilissen | 3.48% | 3.63% | 3.88% | 4.13% | 4.28% | €1.647 |
*Maandlast bij €350.000 hypotheek, 10 jaar vast, 30 jaar annuïtair.
Voordelen
- Laagste rente (zelfs lager dan LTV 60)
- Vangnet bij baanverlies, arbeidsongeschiktheid of scheiding
- NHG-premie fiscaal aftrekbaar
- Bijna alle grote aanbieders bieden NHG
Nadelen
- Grens van €405.000 in 2026 (niet voor dure woningen)
- NHG-premie van 0,6% bij afsluiten
Ideaal voor
Iedereen die een woning koopt tot €405.000 — vrijwel altijd de slimste keuze. De 0,6% premie verdient u terug via de lagere rente.
Andere LTV-klassen vergelijken
Bespaar op uw hypotheek
Bereken uw maandlast en vergelijk alle 50 aanbieders voor NHG.
Veelgestelde vragen — NHG
Wat is de NHG-grens in 2026?
De NHG-grens in 2026 is €405.000. Koopt u een woning tot dit bedrag? Dan kunt u een hypotheek met NHG afsluiten.
Welke aanbieder heeft de laagste rente bij NHG?
Argenta heeft de laagste 10-jaars rente: 3.35%. Maandlast bij €350.000: €1.542.
Hoeveel kan ik besparen ten opzichte van gemiddeld?
Door de laagste aanbieder te kiezen in plaats van gemiddeld bespaart u €41/maand. Over 10 jaar: €4.920.