In our simulator for a mortgage loan and for an instalment loan, you can calculate how much you can borrow. Everything depends on the total cost of your project, on how much time you want to repay, and also your personal situation.
"},"title":"How much can I borrow?"},{"richBody":{"value":"What duration for your mortgage or installment loan you should pick, depends on your personal situation and the amount you want to borrow (within the legal limits).
"},"title":"What loan duration should I pick?"},{"richBody":{"value":"This is very personal. If you opt for your mortgage loan for financial stability, opt for a fixed interest rate. If you don't mind that the amount you pay off each month may change, you can opt for a lower variable interest rate. Make a simulation online to calculate your mortgage loan.
"},"title":"Should I choose a fixed or a variable rate for my mortgage loan?"},{"richBody":{"value":"There are no additional costs with an installment loan. All costs are included in the fixed annual borrowing rate (APR: Annual Cost Percentage).
With a mortgage loan, you must of course still take into account costs like notary fees, estimation costs, the costs of your mortgage registration and file costs. Some of these costs depend on the size of your project.
"},"title":"Are there extra costs I need to take into account?"},{"richBody":{"value":"An energy loan is an installment loan suitable for projects that make your home more sustainable. Eg. installation of solar panels, heat pump, better insulation, etc. For these renovation works ING offers you the ING Energy Loan.
You can take this loan when at least 50% of the loan amount is spent on energy-saving works. The interest is lower than with a traditional renovation loan. Good for your budget and decreasing the daily energy emissions of your home.
"},"title":"What is an energy loan?"},{"richBody":{"value":"To take out an instalment loan, you must be 18 or older and have sufficient repayment options.
"},"title":"Who can take out a personal loan?"},{"richBody":{"value":"Do you want to do renovation work (or have it done)? Find out here which type of loan best suits your project.
"},"title":"Which loan should I choose to have renovation work done?"},{"richBody":{"value":"Use our instalment loan simulator to find out what the interest rate would be for your project, what (fixed) amount you would pay monthly to repay and the total amount you will eventually spend on it. Are you satisfied with the outcome? Then place your application online and sign your contract (when your application is approved). The money will appear in your account within 2 days on average.
"},"title":"How do I apply for a personal loan?"}],"componentType":"accordion"}]},"freeHeaderZone":{"flexComponents":[{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextEN":"A red calculator with white and indigo numpad illustration","extension":"svg","original":"https://assets.ing.com/m/4f5123a9f5b47308/original/calculator2.svg","transformBaseUrl":"https://assets.ing.com/transform/81e0878e-8395-42c4-b391-db4668450b27/calculator2","type":"image","width":160},"intro":"Are you an ING client ? Log in and simulate !","link":{"url":"https://ebanking.ing.be/banking/mortgages/online-intake-request?EW=true"},"title":"Simulate your mortgage loan"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"svg","original":"https://assets.ing.com/m/42d13867315c6c7a/original/terminal.svg","transformBaseUrl":"https://assets.ing.com/transform/0974acfd-0db3-4df0-a90f-2a097719d452/terminal","type":"image","width":160},"intro":"For your renovation, vehicle or other projects.","link":{"url":"/en/individuals/borrowing/loan-calculator"},"title":"Simulate your installment loan"}],"componentType":"cards"}]},"hasMacro":false,"id":"c57adbb9-d347-411c-b1d8-fd167ad6c946","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notes"},{"componentType":"paragraph","richBody":{"value":"Instalment loan (renovation, energy loan, car, motorbike, bike, electric car loan and personal loan) and cash reserve (credit line on your current account) for personal use, subject to consumer credit legislation.
Advertising reserved for natural persons aged 18+ and subject to prior acceptance of your loan application by ING Belgium and to mutual agreement. It does not constitute an offer of credit. The general terms and conditions and lending rates are available at all ING branches and on ing.be under :
"},"textLinks":[{"text":"Charges and regulations","url":"/en/individuals/daily-banking/charges-and-regulations"}]},{"componentType":"paragraph","richBody":{"value":"Your application and any approval of your application by ING Belgium (after examination of your file by ING Belgium) in branch or via the Customer Loans Online service at ing.be, in the ING Banking app or in Home’Bank are not binding for ING Belgium or you until you’ve signed the credit agreement at your ING branch or, in the case of an online application, as long as you have not returned the signed credit agreement (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).
"}},{"componentType":"paragraph","richBody":{"value":"Your interest rate depends on your customer profile, the amount borrowed and the term of your loan. The annual percentage rate (APR) is the total price of your loan on an annual basis. This means that interest and any loan charges are taken into account.
"},"textLinks":[{"text":"Read more about the consumer credit tariffs (PDF)","url":"https://assets.ing.com/m/da24ea745ab7428e/original/Tarievenblad_EN.pdf"}]},{"componentType":"paragraph","richBody":{"value":"The ING Mortgage Loan and the ING Bridging Loan 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. General conditions for ING loans are available from any ING branch and on:
"},"textLinks":[{"text":"Charges and regulations","url":"/en/individuals/daily-banking/charges-and-regulations"}]},{"componentType":"paragraph","richBody":{"value":"Your application and any approval of your application by ING Belgium (after examination of your file by ING Belgium) are not binding for ING Belgium or you until you’ve signed the credit agreement 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).
"}},{"componentType":"paragraph","richBody":{"value":"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
"}}]},"localeString":"en-GB","mainHeaderZone":{"componentType":"categoryHeader","coreHeader":{"subtitle":"For your home, vehicle or other projects.","title":"Borrowing money"},"legalBanner":{"body":"Caution, borrowing money also costs money.","componentStyle":"alternativeVariantLarge","headerBannerType":"headerBannerType"}},"publishDate":"2026-05-05T14:07:54.116+02:00"}}