Insight in your housing project
How much can I borrow, project costs and loan
Simulate my housing projectSimulate your mortgage loan and make an appointment | Attention borrowing money also cost money!
Tailor-made loan
Thanks to our expertise and many options, we can offer you a loan that fully meets your expectations. Download our guide now.
Online calculation
Simulate your Mortgage now and get a clear insight into your housing project by calculating how much you can borrow, what the additional costs are and how much you will have to pay monthly.
Attractive rate
Receive an extra discount if you also take out a debt cover insurance and / or home insurance with ING and if you have your salary deposited into an ING current account.
Use our online simulators and get an answer to questions such as:
- What is my interest rate?
- How much do I need to borrow for my mortgage?
- What extra costs must I take into account?
- What will be my monthly repayment?
- What is the ideal term for me?
Prepare your conversation online for your Mortgage and make an appointment with an expert.
How much can I borrow, project costs and loan
Simulate my housing project... for a personalized offer.
Prepare my appointment... and realise your home project.
The duration of your credit will depend on your personal situation and the amount you wish to borrow.
It's a very personal choice. If you prefer to opt for security, a fixed interest rate is ideal. If you don't mind that the amount of your repayments can change, you can opt for a variable interest rate. For the same loan, the variable interest rate will be lower than the fixed rate.
Various types of fees can accompany a mortgage loan, including notary fees, expert fees, mortgage registration fees and application fees. These costs depend on the scope of your project.
If you do not yet have a mortgage loan and want to borrow more than €25,000 for your renovations, it may be worth financing your project with the help of a mortgage loan.
If you already have an ING mortgage loan, you can borrow part of the amount already repaid of your current mortgage loan, under certain conditions. In this case, the applicable interest rate will be the rate in force at the time of the new loan and not that of the initial mortgage loan. As far as possible, the security guaranteeing your mortgage credit will also be reused.
Digital signature for mortgage loans Sign your mortgage documents digitally via ItsMe! Check the video to see how to proceed.
The ING Mortgage Loan, the ING Bridging Loan and the Mortgage loan combined are mortgage loans subject to the law of April 2016 concerning mortgage loans. Offer reserved for natural persons over the age of 18 and subject to prior acceptance of your application by ING Belgium and to mutual agreement.
Your application and any approval of your application by ING Belgium (after examination of your file by ING Belgium) in-branch or via the ‘Mortgage Loans Online’ service at ing.be are not binding for ING Belgium or you until you’ve signed the credit offer at your ING branch (or, in the case of an online application, at home) and returned it to ING. (subject to prior approval of your file by ING). Before this, we’ll look at whether the data disclosed in your application are correct and complete based on, for example, the supporting documents that have been or will be supplied).
General conditions for ING loans are available from any ING branch and on ing.be.
ING Belgium NV/SA – Bank/Lender – Marnixlaan/Avenue Marnix 24, B-1000 Brussels – RLP Brussels – VAT: BE 0403.200.393 - BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789
The ING combi-tarif applies on condition that and as long as:
Each borrower is an active ING customer (i.e. every month, at least 10 debit transactions on all of his ING accounts) and
• Either taking a home insurance for the new construction value of the property serving as collateral for the mortgage and that each borrower has separately, an outstanding balance insurance, whereby the total insured amount cannot be less than the amount borrowed;
or
• that each borrower takes out an outstanding balance insurance for the total amount borrowed.
ING Outstanding Balance Insurance for mortgage loans is an insurance product provided, upon mutual agreement, by ING Belgium SA/nv (insurance intermediary), insurance broker registered with the FSMA under the number 12381A and NN Insurance Belgium nv (insurer), an insurance company, licensed by NBB under the code number 2550.
For all conditions and exceptions, please read the General Conditions (PDF).
All other important details: