{"type":"document","data":{"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting"},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/2299e5f3d09767a6/original/diy_renovation.jpg","transformBaseUrl":"https://assets.ing.com/transform/3955c2fa-36ae-4799-a7a2-00c51325793f/diy_renovation","type":"image","width":814},"intro":"Installment loan to finance your house or apartment renovations.","link":{"url":"/en/individuals/borrowing/renovation-loan"},"title":"Renovation loan"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/3ad15167e3061bee/original/A-woman-and-a-toddler-sitting-on-the-kitchen-floor-drumming.jpg","transformBaseUrl":"https://assets.ing.com/transform/14518c58-d363-4ea1-899d-afff211ed0a5/A-woman-and-a-toddler-sitting-on-the-kitchen-floor-drumming","type":"image","width":1920},"intro":"Insurer : NN Non-life","link":{"url":"/en/individuals/insurance/insure-my-home/home-insurance-owners"},"promoText":"20% discount on the 1st year","promotionalLabel":{"body":"Offer","labelType":"commercial"},"title":"Home Insurance for owners"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"altTextEN":"Close-up of exposed underfloor heating construction with pipes leading into a white wall","altTextFR":"Gros plan d'une construction de chauffage par le sol exposée avec des tuyaux menant dans un mur blanc","altTextNL":"Close-up van een zichtbare vloerverwarmingsconstructie met buizen die in een witte muur lopen","extension":"jpg","original":"https://assets.ing.com/m/6797f8847e90759a/original/Close-up-of-exposed-underfloor-heating-construction-with-pipes-leading-into-a-white-wall.jpg","transformBaseUrl":"https://assets.ing.com/transform/4aa67f71-2c54-4a18-a5ae-1e24a545deed/Close-up-of-exposed-underfloor-heating-construction-with-pipes-leading-into-a-white-wall","type":"image","width":6016},"intro":"Whether you're building anew or renovating, here's how you can finance a heat pump.","link":{"url":"/en/individuals/borrowing/home/finance-heat-pump"},"title":"How to finance a heat pump in Belgium"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/cb6f6663d482bfc/original/Happy-woman-holding-tools-and-making-a-peace-sign-in-a-kitchen.JPG","transformBaseUrl":"https://assets.ing.com/transform/8e3219fe-4794-4679-887c-2cf006ebd8a2/Happy-woman-holding-tools-and-making-a-peace-sign-in-a-kitchen","type":"image","width":7200},"intro":"Efficient insulation = energy savings!","link":{"url":"/en/individuals/borrowing/home/financing-home-insulation"},"title":"How to finance home insulation work in Belgium"}],"componentType":"cards"}]},"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Renovate and save energy with an energy loan for renovations. Calculate your monthly repayments with our simulator. Convinced? Apply for your loan and discover your rate.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Why choose an ING Energy Loan?"},{"alignedImage":{"position":"right","extension":"svg","original":"https://assets.ing.com/m/5e21728928954868/original/houseenergylabel1.svg","transformBaseUrl":"https://assets.ing.com/transform/8a34edd0-5b47-4598-b3cd-43fa67c4534b/houseenergylabel1"},"componentType":"paragraph","richBody":{"value":"
  • If you’re planning renovation work and at least 50% of the loan amount will be used to improve the energy performance of your property, then the ING Energy Loan is for you!
  • You’ll not only save energy, you'll also benefit from a reduced interest rate.
  • Cherry on the cake: you can apply for an ING Energy Loan as from 1,300 euros.
"}},{"componentType":"sectionTitle","title":"What kind of work can I finance with an ING Energy Loan?"},{"alignedImage":{"position":"left","extension":"svg","original":"https://assets.ing.com/m/2774a6896e22c159/original/yoga-pose-woman-green-lianas-no-padding.svg","transformBaseUrl":"https://assets.ing.com/transform/c8a09180-3b2c-4bda-b8b7-37f33d736256/yoga-pose-woman-green-lianas-no-padding"},"componentType":"paragraph","richBody":{"value":"

 

Everything to improve the energy performance of your property 🏠

 

"},"title":"Here’s a list of works eligible for the Energy Loan:"},{"componentType":"highlight","richBody":{"value":"

Discover the loan that would best fit your project.

"},"title":"💡Already have a mortgage with ING?"},{"componentType":"sectionTitle","title":"You can apply for a loan without being an ING customer"},{"alignedImage":{"extension":"svg","original":"https://assets.ing.com/asset/12b93f09-3c40-4f11-a0fd-c8a1e8d56c64/Retail-Illustration-product-card-Mortgage-consultation.svg","transformBaseUrl":"https://assets.ing.com/transform/12b93f09-3c40-4f11-a0fd-c8a1e8d56c64/Retail-Illustration-product-card-Mortgage-consultation"},"componentType":"paragraph","richBody":{"value":"

In some cases, this is even possible online.
More information? Check our FAQ.

"}},{"componentType":"sectionTitle","title":"Make a simulation"},{"componentType":"feature","featureName":"loan-calculator-flex?purpose=home"},{"componentType":"sectionTitle","title":"Apply for your energy loan"},{"componentType":"applicationProcess","steps":{"stepList":[{"body":"Create your profile, or skip this step if already done.","title":"Download the ING app"},{"body":"Log in and start your loan request. Confirm your personal details, tailor your loan and instantly find out — with no obligation — whether you’re eligible¹.","title":"Request your no-obligation offer"},{"body":"Sign your offer online and receive the money on your account, usually within 2 days (prior to this, supporting documents may still be requested).","title":"Sign your offer online and receive your money"}]}},{"componentType":"paragraph","richBody":{"value":"

¹ During the opening hours of the National Bank of Belgium's Central Individual Credit Register (Mo – Sat: 4 am – 11.30 pm. – Sun: 12 pm. – 11.30 pm).

"}},{"componentType":"cta","textLink":{"text":"Log in to receive your personal offer","url":"https://ebanking.ing.be/banking/mobile/products/580/open?EW=true"}},{"componentType":"cta","textLink":{"text":"Not a customer yet? Get started","url":"https://www.ing.be/en/individuals/daily-banking/ing-banking-app?store_redirect=true"}},{"componentType":"sectionTitle","title":"Representative examples"},{"componentType":"paragraph","richBody":{"value":"

For an ING energy loan 

With an instalment loan for private use of 15,000 euros over 48 months with an annual percentage rate and a fixed debit interest rate of 3.63%, you‘ll pay 335.81 euros per month, totaling 16.118,88 euros. 

Interest rate valid on 13-05-2026 subject to change upon notice before conclusion of the contract.   

 

"}},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"accordionList":[{"richBody":{"value":"

Yes, you can apply online directly, provided the loan application is in your name only.

Are you married under the community of property regime, or would you like to apply together with your partner? In that case, make your application at an ING branch.

⚠️ Important: online loan applications are only available to Belgian residents.

Prefer not to apply online? You can always visit an ING branch.

"},"title":"Can I apply for a loan without first opening an ING account?"},{"richBody":{"value":"

The ING Energy Loan is an instalment loan for private purposes to finance energy-saving rebuilding or improvement work on your home situated in Belgium. This Energy Loan is subject to the law on consumer credits.

"},"title":"What is an energy loan?"},{"richBody":{"value":"

The interest rate of your energy loan depends on your customer profile, the amount you borrow and the term of your loan. The annual percentage rate of charge (APR) is the total price of your loan on an annual basis. This means it takes into account interest and any loan charges. You won’t pay any administration fees. You enjoy a promotional rate for energy-saving work. So you pay less interest than for an ordinary renovation.

"},"textLinks":[{"text":"Consult the consumer credit rates (PDF)","url":"https://assets.ing.com/m/da24ea745ab7428e/original/Tarievenblad_EN.pdf"}],"title":"What is the interest rate on an energy loan?"},{"richBody":{"value":"

Discover more about the process of applying for an energy renovation loan. From the online request to the disbursement of the funds, find out more here.

The online process of applying for an energy renovation loan

"},"title":"How does the process for an energy renovation loan work?"}],"componentType":"accordion"},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"png","original":"https://assets.ing.com/m/42ce252cfd175923/original/Tools_Outline_RGB.png","transformBaseUrl":"https://assets.ing.com/transform/b633ace9-986f-4317-bf25-124f5c521257/Tools_Outline_RGB","type":"image","width":267},"intro":"Consult your lending overview via Home'Bank.","link":{"url":"https://ebanking.ing.be/banking/overview"},"title":"View all your loans in one place?"}],"componentType":"cards"}]},"hasMacro":false,"id":"7e9431df-52c2-4bb6-a8d7-9150315c1f48","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notes​"},{"componentType":"paragraph","richBody":{"value":"

Legal information related to advertising on this product

The amount that you are likely to be able to borrow, as stated in the advertising message, is communicated for information purposes only. Neither the granting of the loan nor the aforementioned amount are guaranteed by ING Belgium. To determine the amount thus simulated, we took into account a set of data currently known to ING, in particular: your financial situation (i.e. your income and any extra-legal benefits as well as your expenses on your ING accounts as well as your savings, loans and investments with ING), your personal and family situation known to ING (in particular, your age, your personal status, your dependents) and the fact of exercise an independent activity. On the other hand, it is not required to provide the following information (which will be requested and/or verified in the event of a credit application on your part), in particular: your professional situation, the type of residence you occupy, other expenses or income not known to ING or futures, your savings and investments with ING, as well as credit data with third parties consulted with the National Bank of Belgium.

This advertising message, which concerns an installment loan for private purposes subject to consumer credit legislation, does not constitute an offer of credit. It is intended exclusively for natural persons of legal age and any request for credit is made subject to prior acceptance of your file by ING Belgium and mutual agreement. The general conditions and rates for this loan are available from all ING branches and can be consulted on www.ing.be (section 'Rates and regulations'). Your request and the possible approval of your request by ING (after examination of your file by ING) in a branch or through the 'Consumer Loans Online' service on www.ing.be, do not commit either ING or yourself, as long as you have not signed a credit agreement at your ING branch or, in the case of an online request, as long as you have not returned the signed credit agreement (after prior approval of your file by ING) to ING, where it is checked beforehand whether the data provided in the request are accurate and complete (among other things, on the basis of the documents submitted or to be submitted).

Legal information related to the loan provider

Lender: ING Belgium SA/NV – Bank – Marnixlaan 24, B-1000 Brussels – RPR Brussels – VAT: BE 0403.200.393 – BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789

"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Borrowing","url":"/en/individuals/borrowing"}},"componentType":"productHeader","coreHeader":{"headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/6cae176aa2d05bb0/original/A-smiling-young-woman-stands-on-a-ladder-beneath-the-doorframe-holding-out-blue-cables-to-the-camera.jpg","transformBaseUrl":"https://assets.ing.com/transform/a8e158f4-4dcd-48b3-8e6d-964f0c4c0f66/A-smiling-young-woman-stands-on-a-ladder-beneath-the-doorframe-holding-out-blue-cables-to-the-camera","type":"image","width":8268},"subtitle":"Installing solar panels, replacing a boiler or insulating your walls... These are just a few examples of projects that will not only make your home energy-efficient but give you the benefit of a reduced interest rate as well.","title":"Energy loan for renovations"},"cta":{"componentType":"cta","textLink":{"text":"Customer? Log in, calculate and apply","url":"https://ebanking.ing.be/banking/mobile/products/580/open?EW=true"}},"legalBanner":{"body":"Caution, borrowing money also costs money.","componentStyle":"alternativeVariantLarge","headerBannerType":"headerBannerType"},"secondaryCta":{"textLink":{"text":"Not yet a customer? Calculate and apply","url":"/en/individuals/borrowing/energy-loan-renovation#make-a-simulation"}},"usps":[{"body":"Attractive rate","icon":{"extension":"svg","original":"https://assets.ing.com/m/7c158c0ba780dccf/original/Feedback-Check_Mark_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","width":32}},{"body":"Spread the cost of your renovations","icon":{"extension":"svg","original":"https://assets.ing.com/m/7c158c0ba780dccf/original/Feedback-Check_Mark_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","width":32}},{"body":"As from €1.300","icon":{"extension":"svg","original":"https://assets.ing.com/m/7c158c0ba780dccf/original/Feedback-Check_Mark_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","width":32}}]},"publishDate":"2026-05-27T10:27:58.223+02:00"}}