{"id":1489,"date":"2026-07-01T16:42:43","date_gmt":"2026-07-01T14:42:43","guid":{"rendered":"https:\/\/inkamers.oleaddev.nl\/?page_id=1489"},"modified":"2026-08-21T09:17:58","modified_gmt":"2026-08-21T07:17:58","slug":"faq","status":"publish","type":"page","link":"https:\/\/inkamers.nl\/en\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"
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Frequently Asked Questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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General<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Does my child get a room immediately, or will we be placed on a waiting list?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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There is current availability from which you can choose. If nothing is available at that time and we have properties under construction, you can make a reservation. Important to note: you lend out the money only after the property has been completed<\/strong>. So you never pay for a promise.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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What if my child doesn't like the room or their housemates?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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Beforehand, a screening takes place and your child will meet the residents online. We therefore consider the chance that it still won't click afterwards to be small. Should it happen anyway, we will look into whether moving to one of our other properties is possible. We cannot guarantee that, but we will do our utmost.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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What does my child pay per month and can that amount go up?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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The rent is determined according to the official government points system (WWS) \u2014 so not a free-market price, but a regulated rent. An annual indexation applies, in accordance with the legal rules in force at that time.<\/p>

If a room in the house is empty, InKamers covers the service charges for it. This means your child and their housemates do not contribute to empty rooms \u2014 that bill is on us.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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There is something broken or there is a disagreement in the house. Who sorts that out?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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We. InKamers manages everything: maintenance, faults and everything that happens in and around the house. You won't have to worry about a thing.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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My child is stopping their studies or is going to live somewhere else. What happens then?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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Then the tenancy agreement ends, and with it your loan. You will receive your deposit back according to the same agreement: within six months at the latest.<\/p>

If your child is temporarily studying elsewhere \u2014 a semester abroad or an internship in another city \u2014 you do not need to cancel anything. The room may be subbed out during that period, so that the place is kept and your child can simply move back in afterwards.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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Are any other parents participating and may I speak to one of them?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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You can request testimonials from us. No problem at all.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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If this is such a good solution for parents, what does InKamers make out of it?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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Our company earns its revenue from this concept, which is necessary to safeguard our business continuity and to further expand our real estate, student properties and portfolio. Because we invest as much as possible in properties so that as much student housing as possible is added. Your child will benefit from that, future generations of students will too, and so will we.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Buy<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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What exactly do I buy at InKamers?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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Together with InKamers and other parents, you are purchasing a share in a student property. This makes you a co-owner of the building.<\/p>

You will receive an undivided share in the property. Additional agreements will record which room is used by your child and how the communal areas are shared.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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Will I become the sole owner of the room?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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No. According to the information from InKamers, you are not buying a fully independent apartment right, but a share in the entire student property.<\/p>

Your share includes the use of a specific room. In addition, your child can make use of the shared facilities, such as the kitchen, bathroom and any garden or outdoor space.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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What agreements are made between the co-owners?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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Agreements are being made about, among other things:<\/p>

  • the use of the rooms;<\/li>
  • the use of the communal areas;<\/li>
  • the management and maintenance of the property;<\/li>
  • the allocation of joint costs;<\/li>
  • decision-making between the owners;<\/li>
  • the situation in which an owner wants to sell their share.<\/li><\/ul>

    The precise arrangements must be apparent from the purchase documentation and the agreement between the co-owners.<\/p>

    Your share includes the use of a specific room. In addition, your child can make use of the shared facilities, such as the kitchen, bathroom and any garden or outdoor space.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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    What costs should I take into account?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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    When buying, you have to deal with costs that do not apply when financing. InKamers mentions, among others:<\/p>

    • Stamp duty land tax;<\/li>
    • notary fees;<\/li>
    • buying and selling costs;<\/li>
    • maintenance costs;<\/li>
    • management charges;<\/li>
    • the risk of a fall in value.<\/li><\/ul><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>
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      Who handles the management and maintenance?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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      InKamers handles the practical management and maintenance of the student house. However, as a co-owner, you do contribute to the costs associated with ownership.<\/p>

      The breakdown of maintenance, management and other joint costs must be clearly established in advance.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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      What happens if my child leaves the room?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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      When your child leaves, you will in principle remain the owner of your share until it is sold or another arrangement is made regarding this.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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      What happens if the property increases or decreases in value?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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      As a co-owner, you benefit from any increase in value, but you also bear the risk of a decrease in value.<\/p>

      InKamers points out that buying can be financially advantageous if the property increases sufficiently in value. In a stagnant or falling housing market, purchase, sale and maintenance costs can result in you not recouping your full investment.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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      What tax do I pay when buying?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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      The website does not yet provide a fully elaborated answer on this. The tax consequences may depend on your personal situation, the method of purchase and the use of the room by your child.<\/p>

      Therefore, have a notary or tax specialist assess in advance how ownership, stamp duty and box 3 tax will be handled in your situation.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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      Financing - Money and Interest<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      How much interest will I receive, and when will it be paid into my account?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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      You will receive 2% annual interest rate<\/strong>. That is paid out to you monthly, so every month an amount is deposited into your account. The interest rate is fixed \u2014 it does not change during the term.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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      To whom do I lend my money, and who pays it back?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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      Your money goes to the WDL credit fund<\/strong>. As soon as all parents of the property in question have paid in their share, the fund lends that amount on to InKamers. With that, we buy, renovate, manage and maintain the properties.<\/p>

      WDL is responsible for refunding you.<\/strong> An agreement is concluded between three parties: you, WDL and InKamers. This ensures that everyone has it in black and white who is responsible for what.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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      Is the company doing well? May I see the figures?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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      Yes. By that time, WDL was already financing well over \u00a3215 million<\/strong> via loans; that is on their own website. InKamers' figures are public and therefore verifiable by you \u2014 we are also happy to send them to you.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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      Suppose house prices fall \u2014 will I still get everything back?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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      Honest answer: if property decreases in value, it *does* decrease in value. We cannot take that away and we do not promise to do so either. However, your loan secured by a first-ranking mortgage<\/strong> on the properties. That certainty is there precisely in case things go wrong.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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      Funding - Repayment<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      When will I get my money back?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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      Once the study has been completed and the tenancy agreement ends, you will receive your deposit back. That happens at the latest within six months<\/strong> upon termination of the tenancy.<\/p>

      The full refund will be contractually agreed<\/strong>. So it is not an intention or an aspiration, but an agreement in black and white that you can hold us to.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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      What happens if no new financier is available?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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      The repayment of your loan is not dependent on a new parent or financier coming on board.<\/p>

      Even when there is no subsequent financier available, the contractual agreement remains valid that your deposit will be repaid no later than six months after the termination of the lease agreement.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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      I need the money sooner myself. Can I withdraw early?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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      No, and we prefer to state that beforehand rather than afterwards. The loan is linked to your child's tenancy agreement. As long as that is in place, your money is tied up. If the tenancy agreement is terminated, the loan will be repaid within six months. Therefore, do not lend us money that you may need yourself in the foreseeable future.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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      My child is stopping their studies or moving out. What now?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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      Then the tenancy agreement ends, and with it your loan. You will receive your deposit back according to the same agreement: within six months at the latest.<\/p>

      If your child is temporarily studying elsewhere \u2014 a semester abroad or an internship in another city \u2014 you do not need to cancel anything. The room may be subbed out during that period, so that the place is kept and your child can simply move back in afterwards.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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      Finance - Security<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      What use is a mortgage right to me and on which real estate does it rest?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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      The first mortgage rests on all properties in the portfolio<\/strong> of InKamers, not just on the property where your child lives. Your security is therefore broader than just one house.<\/p>

      The security is not held in your name personally \u2014 legally that is not possible with multiple lenders. It is held for all lenders combined by WDL Zekerheden B.V.<\/strong> The organisation exists for one purpose only: to stand up for the people who lent the money. If anything goes wrong, WDL acts on your behalf.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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      Does my security rest on my child's property?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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      According to InKamers, your security rests on the entire real estate portfolio and not solely on the student house in which your child lives.<\/p>

      As a result, your security does not depend on the value and financial performance of one specific property. The mortgage right is held on behalf of all financiers collectively by WDL Zekerheden B.V.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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      Is the AFM looking into this too?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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      No. The financing is arranged via WDL Kredietfondsen, which, due to an exemption, falls outside the ongoing supervision of the AFM, but does comply with the applicable regulations. Inkamers has commercial financing from WDL Kredietfondsen.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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      Financing - Tax<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      <\/path><\/svg><\/span><\/path><\/svg><\/span><\/div>
      What do I pay the tax authorities on this?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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      The loan falls due box 3<\/strong>. Through the counter-evidence scheme, you can pay tax on your actual return instead of a presumptive percentage. Whether this turns out to be advantageous in your situation depends on your total wealth \u2014 therefore, consult your own tax adviser about this.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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      <\/path><\/svg><\/span><\/path><\/svg><\/span><\/div>
      I receive little interest, but my child gets a room. Is that a gift?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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      No. Your child is not being given a room as a gift: they are renting the room at a rent in accordance with the official points system, and we remain the owner of the property. Nothing is therefore being transferred \u2014 it involves a loan and a tenancy agreement, two ordinary arrangements alongside each other.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

      Veelgestelde vragen Algemeen Heeft mijn kind meteen een kamer, of komen we op een wachtlijst? Er is actueel aanbod waaruit u kunt kiezen. Is er op dat moment niets vrij en hebben we panden in aanbouw, dan kunt u een reservering doen. Belangrijk daarbij: u leent het geld pas uit n\u00e1dat het pand is opgeleverd. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1489","page","type-page","status-publish","hentry"],"yoast_head":"\nFinancier de woonruimte voor je kind, zonder de lasten<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/inkamers.nl\/en\/faq\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financier de woonruimte voor je kind, zonder de lasten\" \/>\n<meta property=\"og:description\" content=\"Veelgestelde vragen Algemeen Heeft mijn kind meteen een kamer, of komen we op een wachtlijst? Er is actueel aanbod waaruit u kunt kiezen. Is er op dat moment niets vrij en hebben we panden in aanbouw, dan kunt u een reservering doen. 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Er is actueel aanbod waaruit u kunt kiezen. Is er op dat moment niets vrij en hebben we panden in aanbouw, dan kunt u een reservering doen. Belangrijk daarbij: u leent het geld pas uit n\u00e1dat het pand is opgeleverd. 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