Our credit experts are here to help you.
"},"title":"Still not sure where to start?"},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"accordionList":[{"richBody":{"value":"The Belgian government has created an interactive site to understand the impact of your renovations. We suggest you start here to learn more about it.
"},"title":"Where to get started?"},{"richBody":{"value":"An energy loan is suitable for projects that make your home more energy efficient. Eg. installation of solar panels, heat pump, better insulation, etc. ING proposes you the ING Energy Loan for this.
At ING, you can take this loan when at least 50% of the loan amount is spent on energy-saving works. The interest rate is lower than with a traditional renovation loan. Good for your budget!
"},"title":"What is an energy loan?"},{"richBody":{"value":"An Energy Performance Certificate (EPC) provides information (a.o.) on the degree of insulation and the performance of the heating, hot water and ventilation systems of a property in order to estimate its energy consumption.
It assigns a score, expressed in kWh/m2, as well as a letter and a colour, which correspond to different ranges of energy performance. They vary from G (high energy consumption, poor score) to A(++) (low energy consumption, good score) and from red to green. In Belgium, the criteria for awarding the energy label differ from region to region.
"},"textLinks":[{"text":"5 questions and answers on EPC","url":"/en/individuals/my-life/housing/9-questions-answers-epc"}],"title":"What is an EPC?"},{"richBody":{"value":"A good EPC means that your home is more environmentally friendly in terms of energy consumption. The regulations will also become increasingly strict in the coming years.
"},"title":"Why is a good EPC important?"}],"componentType":"accordion"},{"componentType":"feature","featureName":"survey-starter?surveyName=b142ac89-0bc1-4bb6-b8c8-8aff99f56502&autoStart=30"}]},"hasMacro":false,"id":"b2ec275a-5f08-4da0-affe-28398e70e311","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notes"},{"componentType":"paragraph","richBody":{"value":"Instalment loan (renovation, energy loan, car, motorbike, bike, electric car and personal loan) and cash reserve (credit line on your current account) for personal use, subject to the law on consumer credit (charges).
Advertising message reserved for private individuals aged 18+ and subject to prior acceptance of your case by ING Belgium and to mutual agreement. The general terms and conditions and lending rates are available at all ING branches and on ing.be under :
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, 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).
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.
Read more about the :
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 :
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).
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
All other important details:
Insurance intermediary: ING Belgium NV/SA – Bank – Marnixlaan/Avenue Marnix 24, B-1000 Brussels – RLP Brussels – VAT: BE 0403.200.393 - BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789 – www.ing.be – Contact us via ing.be/contact-us – Insurance broker, registered with the FSMA under the number 0403.200.393.
Insurer: NN Non-life – VAT number BE 0801.866.930 RPR Brussels, located at Fonsnylaan 38, 1060 Brussels, under the supervision of the NBB accredited under code 2925 and authorised to take out insurance in Belgium on the basis of freedom of establishment in Belgium.
Belgian branch of Nationale-Nederlanden Schadeverzekering Maatschappij N.V., insurance company under Dutch law, under the supervision of the DNB and authorised under code number NBB 2925, with registered office at Prinses Beatrixlaan 35, 2595 AK 's-Gravenhage, The Netherlands – Chamber of Commerce number 27023707.
"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Borrowing","url":"/en/individuals/borrowing"}},"componentType":"productHeader","coreHeader":{"headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/70d5f0bb52db8270/original/Pod-sept-eco-renovation-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/03367c5c-2a16-4216-905a-d7b9b82a2b51/Pod-sept-eco-renovation-1920","type":"image","width":1920},"subtitle":"Because we know that sustainable renovation delivers.","title":"Finance your energy saving renovation works"},"legalBanner":{"body":"Caution, borrowing money also costs money.","componentStyle":"alternativeVariantLarge","headerBannerType":"headerBannerType"}},"publishDate":"2025-04-25T13:29:57.741+02:00"}}