{"type":"document","data":{"id":"80a51889-6566-4032-85da-9f2f0d215b1a","localeString":"en-GB","publishDate":"2024-12-17T15:59:29.374+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Discover the different ways you can close and release your rental guarantee account at ING, as a company or self-employed."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Are you approaching the end of your rental agreement? Then you'll definitely want to get your rental deposit back as soon as possible. Find out how you can easily release your rental guarantee online as an ING business client and close your account.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/f7a183db-d040-4d3c-b29c-7349ae7c91f2/Laughing-young-woman-moving-into-a-new-home","type":"image","width":900,"original":"https://assets.ing.com/m/77a249c0119e7e0b/original/Laughing-young-woman-moving-into-a-new-home.jpg","extension":"jpg"},"title":"How can I release my professional ING rental guarantee?"},"backLink":{"textLink":{"url":"/en/business/save-and-invest","text":"Save and invest"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"I am renting a property for my business and want to close my rental guarantee"},{"componentType":"applicationProcess","body":"You don't have to go to an ING branch to get your rental guarantee back. You can do this online or via email. Easy, right?","steps":{"stepList":[{"title":"Prepare the closure","list":["There is a written agreement between tenants and landlords, (perhaps with the help of an independent party).","OR a court decision."]},{"title":"Some information you can collect in advance:","list":["The account number(s) to which the amount of the rental guarantee should be transferred.","The e-mail address of the landlord, so we can keep them informed as well."]},{"title":"Choose your closure procedure","list":["Are you self-employed? Check your eligibility for digital closure.","Are there multiple tenants or landlords? In that case, go directly for the application by email!"]}]}},{"componentType":"paragraph","richBody":{"value":"<p><strong>A.    Digital closure through the ING Business app or Business&apos;Bank: easy and quickly executed.</strong></p><p>Digital closure is the fastest option if:</p><ul class=\"check-mark\"><li>You are <strong>self-employed</strong></li><li>The landlord is also a <strong>digital ING customer</strong></li><li>The <strong>money</strong> from the rental guarantee must be <strong>transferred to Belgian account(s).</strong></li></ul><p><small>Having doubts about meeting the conditions? No problem! Try our online flow, which automatically checks if digital closure is possible for your rental guarantee.</small></p>"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/2a0d7aaf-8a10-4264-b373-8b4aafe420b2/Phonesuccess","original":"https://assets.ing.com/m/67dbf253d3f51cf3/original/Phonesuccess.svg","extension":"svg"}},{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/banking/daily-banking/close-rental-guarantee-account?EW=true","text":"Self employed? Close your rental guarantee online"}},{"componentType":"paragraph","richBody":{"value":"<p><br /><strong>B.    Request via Email</strong></p><p>Send an email to <a href=\"mailto:rentalguarantees@ing.com\">rentalguarantees@ing.com</a> with a photo or a scan of the following documents:</p><p>1.  The filled in release form.<br />(Signed by all parties listed in the rental agreement, including the business owner(s) or legal representative(s) authorized to sign on behalf of the organization).</p><ul><li><p><a href=\"https://assets.ing.com/m/1326d38090c246b9/original/EN_Form-for-Releasing-Rental-Guarantee_ONE-BENEFICIARY.pdf\">The release form for full payout to one tenant OR landlord. </a></p></li><li><p><a href=\"https://assets.ing.com/m/5ddba163f0f275a7/original/EN_Form-for-Releasing-Rental-Guarantee_SHARED-DISTRIBUTION.pdf\">The release form for shared disbursement between tenant(s) and/or landlord(s). </a></p></li></ul><p>2. <strong>The identity card(s)</strong> of the tenant(s) and landlord(s). The front is sufficient.</p><p>3. The rental agreement showing the names, legal addresses and signatures of ALL tenants and landlords.</p><p>4. A<strong> copy of the company&apos;s the latest statuses of the legal entity, </strong>as published in the Official Belgian Gazette.</p><p>5. Other relevant documents for companies, deaths, sales, etc. (Refer to section below for specific instructions by situation).</p>"}},{"componentType":"sectionTitle","title":"Specific instructions by situation"},{"componentType":"accordion","accordionList":[{"title":"I am self-employed or I represent a company","richBody":{"value":"<p><strong>The business owner(s) </strong>or<strong> legal representative(s)</strong> authorized to sign on behalf of the organization must sign the release document.</p><p><strong>I am a tenant:</strong></p><ul><li>Remember to attach a copy of the latest statuses of the legal entity, as published in the Official Belgian Gazette, to your e-mail.<br /> </li></ul><p><strong>I am a landlord:</strong></p><ul><li>Provide your tenant with a copy of the company&apos;s the latest statuses of the legal entity, as published in the Belgian Official Gazette. Your tenant should then provide this to ING with the other documents.</li></ul><p>Have the original signatories been replaced in the meantime?</p><ul><li>Then also submit supporting documents (e.g. a copy of the deed of appointment), as well as a copy of the identity card of the new representatives.</li></ul>"}},{"title":"The tenant is deceased","richBody":{"value":"<p><strong>I am an heir of the tenant:</strong> If the tenant is deceased, the heirs must go to an ING branch for the release of the rental guarantee.</p><p><strong>1. The heirs do NOT want to continue living in the property:</strong></p><ul><li>The heirs and the landlord(s) must agree to stop the rental agreement and release the rental guarantee.</li><li>Heirs must go to the branch to stop the rental agreement, close the account and release the rental guarantee.</li><li>Heirs must present a certificate of succession in the branch.</li></ul><p><strong>2. Heirs would like to continue living in the property:</strong></p><ul><li>Heirs must go to the office to adjust the rental guarantee or prepare a new rental guarantee, with the landlord&apos;s consent.</li><li>The heirs can continue to live in the home under the same conditions.</li><li>They pay the rent and maintain the property.</li></ul><p> </p><p><strong>I am a landlord:</strong> What should the landlord do if there are <strong>no heirs</strong> or if they refuse the inheritance?</p><ul><li>The landlord can go to court to release the rental guarantee.</li><li>The landlord can request the deed of repudiation of the inheritance from the heirs and provide it to ING.</li></ul>"}},{"title":"The landlord is deceased","richBody":{"value":"<p><strong>I am a tenant:</strong> First, re-read your rental agreement to understand what happens if the landlord dies.</p><p><strong>1. Tenants want to continue living in the property:</strong></p><ul><li>Contact the heirs or appointed administrator for new payment instructions.</li><li>It is the responsibility of the heirs or appointed administrator to notify ING of the death.</li></ul><p><strong>2. Tenants wish to move out</strong></p><ul><li>If tenants wish to terminate the rental agreement, they must inform all heirs and then they can request closure via email.</li><li>The tenant must have the release form signed by all heirs of the deceased landlord with “full ownership” or “usufruct&quot;.<br /> </li></ul><p><strong>I am an heir of the landlord:</strong> What should the heirs (or the appointed administrator) of the deceased landlord do if there is a rental guarantee in his/her name with ING?</p><ul><li>The heirs take over the rights and obligations of the deceased landlord.</li><li>If the contract does not state that the lease ends in case of death, it remains valid.</li><li>Contact tenants quickly with new payment instructions.</li><li>Consider appointing an agent for any problems.</li><li>Provide ING with the following documents:<ul><li><strong>Transfer deed </strong>from the notary.</li><li>OR a <strong>copy of the power of attorney</strong>, if there is a trustee.</li></ul></li></ul>"}},{"title":"There is a court decision regarding the rental guarantee","richBody":{"value":"<p>If there is a dispute regarding damages, unpaid rent, breach of contract, unclear rental agreements, fraud, deception,... and no mutual agreement has been reached, <strong>a court decision</strong> is necessary to release the rental guarantee.</p><p>The winning party must then provide ING with the following documents:</p><ul><li><strong>The court decision + The release form,</strong> only signed by the winning party<br /><br />OR</li><li><strong>The court decision + A letter from the winning party&apos;s lawyer</strong></li></ul>"}},{"title":"The owner of the property changes during the rental agreement","richBody":{"value":"<p><strong>What should I do as a tenant?</strong></p><ul><li>As a tenant, you must do nothing; the landlord must take care of everything.<br /> </li></ul><p><strong>What should I do as a landlord?</strong></p><ul><li>If there is a new owner during the lease, the new owner must provide ING with the transfer deed<ul><li>This can be a <strong>full deed of sale</strong> OR a<strong> notarial statement </strong>indicating that the rental guarantee has been transferred.</li></ul></li></ul>"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What is your next step?"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Are you moving your business to new premises?","intro":"Open your new rent guarantee account with ING for free and easy. No closing, opening and management fees.","image":{"transformBaseUrl":"https://assets.ing.com/transform/bfaad2dd-8e3e-4c51-aab6-2327644a5d4e/Delivery-van-man-scene","type":"image","width":1200,"original":"https://assets.ing.com/m/71774bfab0fa964/original/Delivery-van-man-scene.svg","extension":"svg"},"link":{"url":"/en/business/save-and-invest/professional-rental-guarantee-deposit"},"promoText":"Open your new rental guarantee account with ING!"}]},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Do you want to finance a business property?","intro":"Looking for a business mortgage for a new building, office, additional location or renovation? We offer flexible financing solutions to fit your specific needs.","image":{"transformBaseUrl":"https://assets.ing.com/transform/b23e62f5-273b-44cc-9d13-ac0b4ba75b7e/Invest-in-house_Spot","type":"image","width":160,"original":"https://assets.ing.com/m/3cfaa744bddc4a1d/original/Invest-in-house_Spot.svg","extension":"svg"},"link":{"url":"/en/business/financing/premises-business-loan"},"promoText":"Calculate your business mortgage"}]}]}}}