The National Mortgage Guarantee (nationale hypotheek garantie) is a government-supported mortgage guarantee program in the Netherlands that aims to provide more affordable and accessible housing options for Dutch citizens. The program works by providing a guarantee to lenders for a portion of the mortgage loan in the event of default by the borrower. This reduces the risk for lenders and allows them to offer lower interest rates and more flexible terms to borrowers, especially those who may not meet traditional lending criteria due to factors such as low income or lack of a down payment. The National Mortgage Guarantee is available to Dutch residents who meet certain eligibility requirements and is administered by the Dutch Ministry of the Interior and Kingdom Relations.