How does it work?
The concept
Buy or finance: you choose
It is difficult nowadays to find a nice room for a fair rental price. We at InKamers offer two simple ways to arrange that for your child.
Buy — Buy a student house together with other parents and become a co-owner. With clear agreements, you can arrange a safe and wonderful place to live for your child in this way.
Finance — Finance an amount to WDL Kredietfondsen. You receive a fixed interest return, secured by a first ranking mortgage held on behalf of all financiers by WDL Zekerheden B.V. Your child rents a room at a fair price. After their studies, you get your money back.
Guaranteed lovely living space
Whether you choose to buy or finance, your child will have their own place to live during their period of study.
Renovated rooms, fair rent
Our rooms have been renovated, are energy-efficient and maximum fire safety has been taken into account during the renovations with inspection by BNR brandbeveiliging, for the optimal living comfort of your child.
Co-owner or first mortgage right
1. Buy — You become co-owner of the property.
2. Financing — You will receive a fixed interest rate, secured by a first-ranking right of mortgage held on behalf of all financiers by WDL Zekerheden B.V.
How does it work?
This is how financing via InKamers works:
You are financing an amount
You are financing a loan of max. €200,000 to WDL Kredietfondsen, which has first right of mortgage on all rental property.
Child is allocated a room
The tenant rents the room independently. You provide a tenant who then independently enters into a rental agreement for a fair price according to the applicable WWS (rent assessment) system.
You will receive interest compensation
You will receive a fixed interest payment from us during the term.
Lease term until end of rental agreement
If your child leaves the room, the loan will be repaid to you with the last interest payment.
Certainty
Secure lending via WDL Credit Funds
Why WDL?
As a parent, you want just one thing: that your child has good accommodation during their studies and that your investment is safe. But managing a loan, monitoring mortgage rights and checking interest payments – you don't have time for that, and you don't need to.
This is why WDL Kredietfondsen is involved in this project. WDL is an independent, professional financing organisation that acts as administrator and advocate on behalf of all participating parents. They ensure that everything concerning your financing runs correctly and on time.
What does WDL concretely do for you?
WDL collects all interest payments for Inkamers B.V. and ensures they are deposited into your bank account. Additionally, WDL Zekerheden B.V. centrally holds the mortgage right on the property on behalf of all financiers. This means your investment is covered by a corporate security interest in the property. Should anything unforeseen go wrong, WDL will act immediately on your behalf to protect your interests.
What does that get you?
You don't need to worry about a thing. No administration, no legal complexities, no hassle. You provide the funding, your child gets a safe place to live, and WDL will take care of everything from start to finish for the entire term.
How does the transfer work?
If your child leaves the room, you will receive your loan deposit back, along with the final interest. The tenancy agreement is linked to the loan. Your child may, if desired, continue living in the room for longer than just the duration of their student days.
