{"id":3295,"date":"2019-11-12T09:56:00","date_gmt":"2019-11-12T09:56:00","guid":{"rendered":"https:\/\/www.founders.nl\/hypotheek-verstrekken-vanuit-holding-aan-dga\/"},"modified":"2022-01-27T11:54:34","modified_gmt":"2022-01-27T11:54:34","slug":"hypotheek-verstrekken-vanuit-holding-aan-dga","status":"publish","type":"post","link":"https:\/\/www.founders.nl\/en\/hypotheek-verstrekken-vanuit-holding-aan-dga\/","title":{"rendered":"Providing a mortgage from the holding company to the DGA"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3295\" class=\"elementor elementor-3295 elementor-2131\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-52442a8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"52442a8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-80d2781\" data-id=\"80d2781\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ac3382f elementor-widget elementor-widget-Text\" data-id=\"ac3382f\" data-element_type=\"widget\" data-widget_type=\"Text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <section class=\"text-widget widget-type-text widget columns-1 text-widget--narrow widget--large-padding-top\">\n            <div id=\"\" class=\"deeplink-anchor\"><\/div>\n            <div class=\"container\">\n                <div class=\"row\">\n                    <div class=\"offset-md-1 col-md-10 offset-lg-2 col-lg-8 offset-xl-2 col-xl-8\">\n                        <div class=\"text-widget__text-wrapper rich-text d-block\">\n                            <p class=\"p1\"><strong>What should you do with capital savings as a BV (private limited company)? Interest on savings is minimal, investing in ideas from friends can be risky and it might not be the right time to invest. So why not use the money for a personal mortgage? This way, you pay interest to your own BV instead of a bank and, since you\u2019re also the provider, you know the customer!<span class=\"Apple-converted-space\">\u00a0<\/span><\/strong><\/p><p class=\"p1\">When a business has built up capital, it\u2019s wise for the DGA (director and major shareholder) to think of ways this capital can be optimally used. Some examples worth considering are:<\/p><ul class=\"ul1\"><li class=\"li1\">Providing a mortgage as a business.<\/li><li class=\"li1\">Investing in other companies or projects with the holding company.<\/li><li class=\"li1\">Taking out annuity policies.<\/li><\/ul><p class=\"p1\">In this blog, we\u2019ll discuss the option to let the BV finance your personal mortgage. Suppose you\u2019re looking to buy a house using capital from your holding. In that case, you have two options to finance the house:<\/p><ul class=\"ul1\"><li class=\"li1\">Paying out dividends to you as a private person.<\/li><li class=\"li1\">Use the holding company to provide a mortgage to yourself.<\/li><\/ul><p class=\"p1\">The disadvantage of the first option is that you pay 25% tax on dividends (this will soon even be increased to 26.25%). Because you pay tax on dividends, only 75 cents of every euro is left to invest in the purchase of your house.<\/p>                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/section>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa974ba elementor-widget elementor-widget-Image\" data-id=\"fa974ba\" data-element_type=\"widget\" data-widget_type=\"Image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <section class=\"image-widget widget\">\n            <div class=\"container\">\n                <div class=\"row\">\n                    <div class=\"col-12 offset-md-1 col-md-10 col-lg-8 offset-lg-2\">\n                        <img decoding=\"async\" loading=\"lazy\"\n                             class=\"image d-block w-100\"\n                             alt=\"Providing a mortgage from the holding company to the DGA\"\n                             src=\"https:\/\/www.founders.nl\/wp-content\/uploads\/2021\/11\/hypotheek-founders-01-1.jpg\"\n                             srcset=\"https:\/\/www.founders.nl\/wp-content\/uploads\/2021\/11\/hypotheek-founders-01-1.jpg 2500w, https:\/\/www.founders.nl\/wp-content\/uploads\/2021\/11\/hypotheek-founders-01-1-300x180.jpg 300w, https:\/\/www.founders.nl\/wp-content\/uploads\/2021\/11\/hypotheek-founders-01-1-1024x614.jpg 1024w, https:\/\/www.founders.nl\/wp-content\/uploads\/2021\/11\/hypotheek-founders-01-1-768x461.jpg 768w, https:\/\/www.founders.nl\/wp-content\/uploads\/2021\/11\/hypotheek-founders-01-1-1536x922.jpg 1536w, https:\/\/www.founders.nl\/wp-content\/uploads\/2021\/11\/hypotheek-founders-01-1-2048x1229.jpg 2048w\"\n                             sizes=\"(max-width: 2500px) 100vw, 2500px\"\/>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/section>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21a07ff elementor-widget elementor-widget-Text\" data-id=\"21a07ff\" data-element_type=\"widget\" data-widget_type=\"Text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <section class=\"text-widget widget-type-text widget columns-1 text-widget--narrow\">\n            <div id=\"\" class=\"deeplink-anchor\"><\/div>\n            <div class=\"container\">\n                <div class=\"row\">\n                    <div class=\"offset-md-1 col-md-10 offset-lg-2 col-lg-8 offset-xl-2 col-xl-8\">\n                        <div class=\"text-widget__text-wrapper rich-text d-block\">\n                                                    <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/section>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-869431e elementor-widget elementor-widget-Text\" data-id=\"869431e\" data-element_type=\"widget\" data-widget_type=\"Text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <section class=\"text-widget widget-type-text widget columns-1 text-widget--narrow\">\n            <div id=\"\" class=\"deeplink-anchor\"><\/div>\n            <div class=\"container\">\n                <div class=\"row\">\n                    <div class=\"offset-md-1 col-md-10 offset-lg-2 col-lg-8 offset-xl-2 col-xl-8\">\n                        <div class=\"text-widget__text-wrapper rich-text d-block\">\n                            <p class=\"p1\"><b>Using the holding company to provide a mortgage to yourself<span class=\"Apple-converted-space\">\u00a0<\/span><\/b><\/p><p class=\"p1\">When you take out a loan from your own holding company, you can use the full amount of the loan. Of course you can also take out a mortgage from your BV to refinance your existing mortgage.<\/p><p class=\"p1\">It\u2019s important to note that a mortgage loan you take out from your holding company is a real loan. It must be repaid and you also pay business interest. Pretty much the same as a mortgage you take out at a bank.<\/p><p class=\"p1\">The interest you pay leads to a tax advantage that comes from borrowing money from the holding company. You can deduct the mortgage interest you pay to your own holding company (up to 49%) from your income tax. On the other hand however, the holding company pays corporate income tax (19% or 25%) on the income coming from the interest.<\/p><p class=\"p1\">You can see that the deduction of the mortgage interest in the income tax is higher than the rate at which it\u2019s taxed in the corporate income tax. This is very beneficial. As a result, it\u2019s more profitable to set the interest rate as high as possible. Incidentally, the law imposes restrictions on this. The interest you and your BV agree on must be determined and registered professionally.<\/p><p class=\"p1\">The height of the corporate interest is determined on a case-by-case basis. Just as with the assessment of the business loan, things like the term, amortization, securities, creditor rights, etcetera, are taken into account for the assessment of the corporate interest.<\/p>                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/section>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6019e99 elementor-widget elementor-widget-Image\" data-id=\"6019e99\" data-element_type=\"widget\" data-widget_type=\"Image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <section class=\"image-widget widget\">\n            <div class=\"container\">\n                <div class=\"row\">\n                    <div class=\"col-12 offset-md-1 col-md-10 col-lg-8 offset-lg-2\">\n                        <img decoding=\"async\" loading=\"lazy\"\n                             class=\"image d-block w-100\"\n                             alt=\"Providing a mortgage from the holding company to the DGA\"\n                             src=\"https:\/\/www.founders.nl\/wp-content\/uploads\/2019\/11\/elle-cartier-suWaulbRCZ4-unsplash-1000x1000-1.jpg\"\n                             srcset=\"https:\/\/www.founders.nl\/wp-content\/uploads\/2019\/11\/elle-cartier-suWaulbRCZ4-unsplash-1000x1000-1.jpg 1000w, https:\/\/www.founders.nl\/wp-content\/uploads\/2019\/11\/elle-cartier-suWaulbRCZ4-unsplash-1000x1000-1-300x300.jpg 300w, https:\/\/www.founders.nl\/wp-content\/uploads\/2019\/11\/elle-cartier-suWaulbRCZ4-unsplash-1000x1000-1-150x150.jpg 150w, https:\/\/www.founders.nl\/wp-content\/uploads\/2019\/11\/elle-cartier-suWaulbRCZ4-unsplash-1000x1000-1-768x768.jpg 768w\"\n                             sizes=\"(max-width: 1000px) 100vw, 1000px\"\/>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/section>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-857ed24 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"857ed24\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2f0c445\" data-id=\"2f0c445\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-51b2794 elementor-widget elementor-widget-Text\" data-id=\"51b2794\" data-element_type=\"widget\" data-widget_type=\"Text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <section class=\"text-widget widget-type-text widget columns-1 text-widget--narrow\">\n            <div id=\"\" class=\"deeplink-anchor\"><\/div>\n            <div class=\"container\">\n                <div class=\"row\">\n                    <div class=\"offset-md-1 col-md-10 offset-lg-2 col-lg-8 offset-xl-2 col-xl-8\">\n                        <div class=\"text-widget__text-wrapper rich-text d-block\">\n                            <p class=\"p2\"><b>Low interest? That\u2019s profit distribution in disguise.<\/b><\/p><p class=\"p2\">It might seem tempting to set the interest rate as low as possible, because you\u2019ll pay less interest. However, this is not necessarily beneficial. As mentioned before, from a tax point of view it\u2019s more interesting to set the interest at a slightly higher rate. That\u2019s because you can deduct the interest at a higher rate than it\u2019s taxed. Even more important is that if the interest rate is too low, the Dutch Tax and Customs Administration might state that it\u2019s not a loan but a profit distribution in disguise. In that case the tax authorities will say: \u2018You and your company might have a loan agreement, but with an interest this low it\u2019s practically a dividend payout.\u2019.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p><p class=\"p2\"><b>Documentation is key<\/b><\/p><p class=\"p2\">When this situation occurs, the amount of the loan is treated as dividend and you then pay 25% tax on it. This can lead to major problems if you used a substantial part of the assets of the BV for your house. You definitely want to avoid this! Therefore, always make sure that you properly document why a certain interest rate has been chosen.<\/p><p class=\"p2\">As a shareholder who works for the BV you actually have two roles in the organisation: you\u2019re a shareholder as well as an employee. This makes it important to properly record in which role you\u2019re taking out a loan with the BV, as an employee or as a shareholder? This is necessary because there are additional requirements for taking out a loan as an employee. Different rax rules apply as opposed to when you take out a loan as a shareholder of the BV. It's best to explicitly state in a shareholder resolution that you take out the loan as a shareholder.<\/p>                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/section>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>What should you do with capital savings as a BV (private limited company)? Interest on savings is minimal, investing in ideas from friends can be risky and it might not be the right time to invest. So why not use the money for a personal mortgage? This way, you pay interest to your own BV instead of a bank and, since you\u2019re also the provider, you know the customer! <\/p>\n","protected":false},"author":5,"featured_media":2135,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[228,232,235],"class_list":["post-3295","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insights","tag-dga-en","tag-holding-en","tag-hypotheek-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Providing a mortgage from the holding company to the DGA - Founders<\/title>\n<meta name=\"description\" content=\"In deze blog gaan we het hebben over de mogelijkheid een hypotheek vanuit jouw B.V. aan jezelf te verstrekken.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.founders.nl\/en\/hypotheek-verstrekken-vanuit-holding-aan-dga\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Providing a mortgage from the holding company to the DGA - Founders\" \/>\n<meta property=\"og:description\" content=\"In deze blog gaan we het hebben over de mogelijkheid een hypotheek vanuit jouw B.V. aan jezelf te verstrekken.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.founders.nl\/en\/hypotheek-verstrekken-vanuit-holding-aan-dga\/\" \/>\n<meta property=\"og:site_name\" content=\"Founders\" \/>\n<meta property=\"article:published_time\" content=\"2019-11-12T09:56:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-01-27T11:54:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.founders.nl\/wp-content\/uploads\/2021\/11\/hypotheek-founders-01-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2500\" \/>\n\t<meta property=\"og:image:height\" content=\"1500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Founders\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Founders\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.founders.nl\/en\/hypotheek-verstrekken-vanuit-holding-aan-dga\/\",\"url\":\"https:\/\/www.founders.nl\/en\/hypotheek-verstrekken-vanuit-holding-aan-dga\/\",\"name\":\"Providing a mortgage from the holding company to the DGA - Founders\",\"isPartOf\":{\"@id\":\"https:\/\/www.founders.nl\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.founders.nl\/en\/hypotheek-verstrekken-vanuit-holding-aan-dga\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.founders.nl\/en\/hypotheek-verstrekken-vanuit-holding-aan-dga\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.founders.nl\/wp-content\/uploads\/2021\/11\/hypotheek-founders-01-1.jpg\",\"datePublished\":\"2019-11-12T09:56:00+00:00\",\"dateModified\":\"2022-01-27T11:54:34+00:00\",\"author\":{\"@id\":\"https:\/\/www.founders.nl\/en\/#\/schema\/person\/6861c5b4198dd89fda5831c0169791cd\"},\"description\":\"In deze blog gaan we het hebben over de mogelijkheid een hypotheek vanuit jouw B.V. aan jezelf te verstrekken.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.founders.nl\/en\/hypotheek-verstrekken-vanuit-holding-aan-dga\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.founders.nl\/en\/hypotheek-verstrekken-vanuit-holding-aan-dga\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.founders.nl\/en\/hypotheek-verstrekken-vanuit-holding-aan-dga\/#primaryimage\",\"url\":\"https:\/\/www.founders.nl\/wp-content\/uploads\/2021\/11\/hypotheek-founders-01-1.jpg\",\"contentUrl\":\"https:\/\/www.founders.nl\/wp-content\/uploads\/2021\/11\/hypotheek-founders-01-1.jpg\",\"width\":2500,\"height\":1500},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.founders.nl\/en\/hypotheek-verstrekken-vanuit-holding-aan-dga\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.founders.nl\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Providing a mortgage from the holding company to the DGA\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.founders.nl\/en\/#website\",\"url\":\"https:\/\/www.founders.nl\/en\/\",\"name\":\"Founders\",\"description\":\"Administratie &amp; 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