What conditions must I meet?

A deferment of payment on a mortgage can be requested by individuals who meet all of the following conditions : The mortgage was taken out for the borrower's main place of residence in Belgium (at the time of the request for deferment of payment) At the time of the request for deferment of payment, the total amount of movable assets on all current accounts, savings accounts and in the investment portfolio with ING or another bank is less than 10,000 euros. Pension savings are not included in this calculation. On 1 March 2022 , there were no late payments registered in the name of the borrower with the Centrale des Crédits aux Particuliers (CCP) for the credit for which deferred payment is requested. The borrower has a repayment plan in progress or requested from his energy supplier. In addition to these four conditions, ING will also conduct a credit analysis.

Do I have to pay interest if I request a payment extension?

Yes, you do pay interest . Only the repayment of the capital is deferred. You can check how your monthly repayment is structured (interest and capital portion) in the ING Banking app.

Do I have to pay administrative or file fees?

No, you do not have to pay any administrative or file fees.

Will my mortgage loan be affected?

At the end of the payment extension, you will receive a new installment plan.

Do I need to submit certain documents to request a payment deferral?

We ask you to forward this document so we can initiate the request: proof of the installment plan or its application to the energy supplier.

The payment deferral can be requested during the period from Sept. 20, 2022 to March 31, 2023. Keep in mind that we need 10 calendar days to process your application. An example: for payment deferral of a mortgage loan due on November 1, 2022, submit an application no later than October 21, 2022.

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