How does it work?
The concept
Financier your child's housing
Nowadays it's impossible to find a room, let alone a good room for a fair rental price. We at InKamers make it possible for you to arrange a room for your child.
This requires a loan of approximately €200,000 at a fixed interest rate. In return, you will receive a nomination right to propose a tenant for a room in a city of your choice, who will then be housed in one of our rooms in that city at a fair rent according to the WWS system for non-self-contained accommodation. This guarantees your child a room.
To guarantee the safety of your capital, your loan runs entirely through WDL. Additionally, you have a first right of mortgage.
Your child guaranteed a room
This means your child will have a room/living space for the duration of the tenancy.
Renovated rooms, fair rent
Our rooms have been renovated to be energy-efficient and the renovations take maximum fire safety into account, with checks by BNR fire safety, for your son/daughter's optimal living enjoyment.
First legal charge of mortgage
On your loan, you will receive a fixed interest payment and you also have first mortgage rights.
Via InKamers or rent yourself?
Renting a place yourself is more expensive and complex than ever. Even if you manage to find a student room after endless introductory evenings, the room is too expensive and of poor quality. Low energy ratings, pests and a lack of hygiene are not uncommon.
Inner Rooms
Self-hire
How does it work?
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 son or daughter leaves the room, you will receive your loan deposit back, along with the final interest payment. The rental agreement is linked to the loan. Your child may optionally remain living in the room for longer than just during their student days.
