De or het referentielening?

The correct Dutch article is:

de referentielening

Rule Words ending in -ing: almost always de. See the rule

How to use referentielening

the referentieleningde referentielening
this referentieleningdeze referentielening
that referentieleningdie referentielening
our referentieleningonze referentielening
your referentieleningjouw referentielening
every referentieleningelke referentielening
which referentielening?welke referentielening?
a big referentielening / the big referentieleningeen grote referentielening, de grote referentielening