{"type":"document","data":{"id":"7e9431df-52c2-4bb6-a8d7-9150315c1f48","localeString":"en-GB","publishDate":"2026-03-25T17:42:34.608+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":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."},"mainHeaderZone":{"componentType":"productHeader","usps":[{"body":"Attractive rate","icon":{"transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","width":32,"original":"https://assets.ing.com/m/7c158c0ba780dccf/original/Feedback-Check_Mark_Outline.svg","extension":"svg"}},{"body":"Spread the cost of your renovations","icon":{"transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","width":32,"original":"https://assets.ing.com/m/7c158c0ba780dccf/original/Feedback-Check_Mark_Outline.svg","extension":"svg"}},{"body":"As from €1.300","icon":{"transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","width":32,"original":"https://assets.ing.com/m/7c158c0ba780dccf/original/Feedback-Check_Mark_Outline.svg","extension":"svg"}}],"legalBanner":{"body":"Caution, borrowing money also costs money.","headerBannerType":"headerBannerType","componentStyle":"alternativeVariantSmall"},"cta":{"componentType":"cta","textLink":{"url":"/en/individuals/borrowing/energy-loan-renovation#make-a-simulation","text":"Make a simulation"}},"secondaryCta":{"textLink":{"url":"https://ebanking.ing.be/banking/mobile/products/580/open?EW=true","text":"Log in to receive your personal offer"}},"coreHeader":{"body":"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.","headerImage":{"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,"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","extension":"jpg"},"title":"Energy loan for renovations"},"backLink":{"textLink":{"url":"/en/individuals/borrowing","text":"Borrowing"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Why choose an ING Energy Loan?"},{"componentType":"paragraph","richBody":{"value":"<table><tbody><tr><td style=\"vertical-align:bottom\"><ul><li><span><span><span><span><span><span>If you’re planning renovation work and<strong> at least 50% of the loan amount </strong>will be used to improve the energy performance of your property, then the ING Energy Loan is for you!</span></span></span></span></span></span></li><li><span><span><span><span><span><span>You’ll not only save energy, you&apos;ll also benefit from a<strong> reduced interest rate.</strong></span></span></span></span></span></span></li><li><span><span><span><span><span><span>Cherry on the cake: you can apply for an ING Energy Loan<strong> as from 1,300 euros.</strong></span></span></span></span></span></span></li></ul></td></tr></tbody></table>"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/8a34edd0-5b47-4598-b3cd-43fa67c4534b/houseenergylabel1","original":"https://assets.ing.com/m/5e21728928954868/original/houseenergylabel1.svg","extension":"svg"}},{"componentType":"sectionTitle","title":"What kind of work can I finance with an ING Energy Loan?"},{"componentType":"paragraph","title":"Here’s a list of works eligible for the Energy Loan:","richBody":{"value":"<p> </p><ul class=\"check-mark\"><li><span><span>Solar panels, domestic batteries</span></span></li><li><span><span>Double glazing, high-efficiency glazing</span></span></li><li><span><span>Roof insulation, green roofing</span></span></li><li><span><span>Condensing boiler, more efficient radiators, pellet stove</span></span></li><li><span><span>Heat pumps and other geothermal systems</span></span></li><li><span><span>…</span></span></li></ul><p><span lang=\"EN-US\" dir=\"ltr\"><span>Everything to improve the energy performance of your property </span></span><span lang=\"EN-US\" dir=\"ltr\"><span>🏠</span></span></p><p> </p>"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/c8a09180-3b2c-4bda-b8b7-37f33d736256/yoga-pose-woman-green-lianas-no-padding","original":"https://assets.ing.com/m/2774a6896e22c159/original/yoga-pose-woman-green-lianas-no-padding.svg","extension":"svg"}},{"componentType":"highlight","title":"💡Already have a mortgage with ING?","richBody":{"value":"<p>Discover <a data-type=\"internal\" href=\"/en/individuals/borrowing/home/mortgage-or-renovation-loan\">the loan that would best fit </a>your project.</p>"}},{"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":[{"title":"Simulate your loan","body":"With no obligation."},{"title":"Request your offer","body":"By reviewing your personal details, selecting your loan type, and filling in your income and expenses."},{"title":"Receive your offer","body":"You’ll see online if your loan got approved¹, and if approved you receive an offer with your personal interest rate. This offer will be valid for 20 days."},{"title":"Sign your offer and get your money","body":"You can now sign your offer online. Afterwards, you will receive the borrowed money in your account (prior to this, supporting documents may still be requested)."}]}},{"componentType":"paragraph","richBody":{"value":"<p>¹ During the opening hours of the National Bank of Belgium&apos;s Central Individual Credit Register (Mo – Sat: 4 am – 11.30 pm. – Sun: 12 pm. – 11.30 pm).</p>"}},{"componentType":"cta","textLink":{"url":"https://www.ing.be/en/individuals/borrowing/loan-calculator?purpose=home","text":"Make a simulation"}},{"componentType":"accordion"},{"componentType":"sectionTitle","title":"Representative examples"},{"componentType":"paragraph","richBody":{"value":"<p><strong>For an ING energy loan </strong></p><p>With an <strong>instalment loan</strong> for private use of 15,000 euros over <strong>48 months</strong> with an <strong>annual percentage rate</strong> and a <strong>fixed debit interest rate of 3.84%</strong>, you‘ll pay <strong>337.17 euros per month</strong>, totaling 16.184,16 euros. </p><p>Interest rate valid on <strong>16-03-2026</strong> subject to change upon notice before conclusion of the contract.   </p><p> </p>"}},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"componentType":"accordion","accordionList":[{"title":"What is an energy loan?","richBody":{"value":"<p>The ING Energy Loan is an <strong>instalment loan</strong> 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 <strong>consumer credits</strong>.</p>"}},{"title":"What is the interest rate on an energy loan?","richBody":{"value":"<p>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.</p>"},"textLinks":[{"url":"https://assets.ing.com/m/da24ea745ab7428e/original/Tarievenblad_EN.pdf","text":"Consult the consumer credit rates (PDF)"}]},{"title":"How does the process for an energy renovation loan work?","richBody":{"value":"<p>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.</p><p><a data-type=\"internal\" href=\"/en/individuals/borrowing/renovation-loan_more-info-about-the-online-process\">The online process of applying for an energy renovation loan</a></p>"}}]},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"View all your loans in one place?","intro":"Consult your lending overview via Home'Bank.","image":{"transformBaseUrl":"https://assets.ing.com/transform/b633ace9-986f-4317-bf25-124f5c521257/Tools_Outline_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/42ce252cfd175923/original/Tools_Outline_RGB.png","extension":"png"},"link":{"url":"https://ebanking.ing.be/banking/overview"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Renovation loan","intro":"Installment loan to finance your house or apartment renovations.","image":{"transformBaseUrl":"https://assets.ing.com/transform/3955c2fa-36ae-4799-a7a2-00c51325793f/diy_renovation","type":"image","width":814,"original":"https://assets.ing.com/m/2299e5f3d09767a6/original/diy_renovation.jpg","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/renovation-loan"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Home Insurance for owners","intro":"Insurer : NN Non-life","image":{"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,"original":"https://assets.ing.com/m/3ad15167e3061bee/original/A-woman-and-a-toddler-sitting-on-the-kitchen-floor-drumming.jpg","extension":"jpg"},"link":{"url":"/en/individuals/insurance/insure-my-home/home-insurance-owners"},"promoText":"20% discount on the 1st year","promotionalLabel":{"labelType":"commercial","body":"Offer"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"How to finance a heat pump in Belgium","intro":"Whether you're building anew or renovating, here's how you can finance a heat pump.","image":{"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,"altTextEN":"Close-up of exposed underfloor heating construction with pipes leading into a white wall","altTextNL":"Close-up van een zichtbare vloerverwarmingsconstructie met buizen die in een witte muur lopen","altTextFR":"Gros plan d'une construction de chauffage par le sol exposée avec des tuyaux menant dans un mur blanc","original":"https://assets.ing.com/m/6797f8847e90759a/original/Close-up-of-exposed-underfloor-heating-construction-with-pipes-leading-into-a-white-wall.jpg","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/home/finance-heat-pump"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"How to finance home insulation work in Belgium","intro":"Efficient insulation = energy savings!","image":{"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,"original":"https://assets.ing.com/m/cb6f6663d482bfc/original/Happy-woman-holding-tools-and-making-a-peace-sign-in-a-kitchen.JPG","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/home/financing-home-insulation"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notes​"},{"componentType":"paragraph","richBody":{"value":"<table><tbody><tr><td style=\"vertical-align:bottom\"><p><span><span><span><span><span><span><strong>Legal information related to advertising on this product</strong><br /><br />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.<br /><br />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 &apos;Rates and regulations&apos;). Your request and the possible approval of your request by ING (after examination of your file by ING) in a branch or through the &apos;Consumer Loans Online&apos; 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).<br /><br /><strong>Legal information related to the loan provider</strong><br /><br />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</span></span></span></span></span></span></p></td></tr></tbody></table>"}}]}}}