
LUNTERO
Find your way home in the Netherlands with 20,000+ rental listings at your fingertips!


© 2025 Luntero. All rights reserved.
LUNTERO
Find your way home in the Netherlands with 20,000+ rental listings at your fingertips!
© 2025 Luntero. All rights reserved.
Luntero
The 'Waarborgfonds sociale woningbouw' (WSW) is a private, independent institution that provides guarantees for loans taken out by Dutch social housing corporations.
Dutch Housing System
The minimum gross income a prospective tenant must earn to be considered for a rental property, a primary and often rigid screening tool used by landlords.
A decorative trim applied to the junction where the walls meet the ceiling, adding a classic, finished, and often elegant look to a room.
A high, arched, or angled ceiling that extends up towards the roofline, creating a dramatic sense of space, volume, and openness in a room.
A modern lighting system that can be controlled remotely via a smartphone app or smart home hub, offering convenience and customizable ambiances.
A luxury feature where speakers for a sound system are recessed into the ceilings or walls, offering a clean, integrated audio experience.
A housing model where residents collectively own and manage their own properties, a niche sector in the Netherlands that receives some government support for its creation.
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The Waarborgfonds sociale woningbouw
, known almost exclusively by its acronym WSW, is one of the most important financial institutions in the Dutch social housing sector. Its mission is to enable housing corporations to borrow money as cheaply as possible so they can maximize their investment in building and maintaining affordable homes. It achieves this by providing guarantees on the loans that housing corporations take out from banks and institutional investors. Because a loan guaranteed by the WSW is considered virtually risk-free, lenders are willing to provide capital at extremely low interest rates, close to the rate at which the Dutch state itself can borrow.
The strength of the WSW's guarantee lies in its unique structure. The WSW itself is an independent foundation, but its guarantees are backstopped by both the central government and the municipalities in which the housing corporations operate. This 'triple-A' level of security gives lenders absolute confidence that their loans will be repaid. In addition to providing guarantees, the WSW also functions as a financial watchdog. It continuously monitors the financial health and risk profile of its member corporations. To be eligible for a WSW guarantee, a housing corporation must prove that it is financially sound and well-managed, thereby ensuring the stability and integrity of the entire social housing system.