{"type":"document","data":{"id":"4aa85408-e9e8-4c45-acf1-9f481d45cd98","localeString":"en-GB","publishDate":"2025-07-14T17:02:22.087+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Curious about how energy-efficient your home really is? Via our external partner Rock.estate, you can request your EPC-certificate."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/banking/content/individuals/products/mortgages/mortgage-loan/get-a-new-epc","text":"Log in and book an appointment"}},"coreHeader":{"body":"An Energy Performance Certificate (EPC) offers a clear snapshot of your home's energy usage and highlights areas where you can still improve.\r\n\r\nWhether you're considering renovations, preparing to sell, or simply want to understand your home's energy score better, requesting an EPC is a smart first step.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/53850f23-9ac8-4232-bb3e-0b8627296762/renovate-and-protect-roof-header","type":"image","width":1600,"original":"https://assets.ing.com/m/754aa69c4cd4bdb4/original/renovate-and-protect-roof-header.jpg","extension":"jpg"},"title":"Request your EPC certificate easily","subtitle":"Curious about how energy-efficient your home really is?"},"backLink":{"textLink":{"url":"/en/individuals/borrowing/home","text":"Borrowing for your home"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Schedule your EPC check now !"},{"componentType":"paragraph","richBody":{"value":"<p>Via our external partner Rock.estate, you can purchase your EPC-certificate from certified experts.</p>"}},{"componentType":"sectionTitle","title":"Cherry on the cake: You can benefit from an interest rate reduction associated with a better EPC"},{"componentType":"paragraph","richBody":{"value":"<p>Within 5 years of the signature of your new mortgage, upload your new EPC certificate to the app. </p><p>Has your energy score improved? In that case, you could benefit from a reduction* on the remainder of your renovation mortgage. </p><p>*Only valid if your mortgage was signed after October 2024, see conditions in FAQ below.</p>"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/b2ca4a98-d8c8-4224-9d19-ee1052d5003d/cake-cherry_197x176","altTextEN":"Private-Banking-cake-cherry","original":"https://assets.ing.com/m/5e7b8589e8e4ddbc/original/cake-cherry_197x176.png","extension":"png"}},{"componentType":"sectionTitle","title":"Frequently asked question"},{"componentType":"accordion","accordionList":[{"title":"What is an EPC?","richBody":{"value":"<p>EPC stands for energy performance certificate. It is a document stating how energy-efficient your home is. If you are buying or selling a house, an EPC is mandatory. This document helps you estimate how well or poorly a building is insulated, and whether to expect a large or small energy bill. The EPC also has a big impact on the value of your home.</p><p><a href=\"https://www.ing.be/en/individuals/my-life/housing/9-questions-answers-epc\">More info about EPC</a> </p>"}},{"title":"Where can I upload my EPC in my App ?","richBody":{"value":"<p>Uploading your EPC is very simple:</p><ul><li>Open your ING Banking app.</li><li>Select &apos;Mortgage&apos; on the main page.</li><li>Easily upload your EPC.</li></ul>"}},{"title":"How can I benefit from the interest rate reduction associated with a better EPC ?","richBody":{"value":"<ul><li>Within 5 years of the conclusion of your new mortgage, download your new EPC certificate from the app (in the “Mortgage” section). </li><li>Has your energy score improved? Great! </li><li>You could then benefit from a rate reduction on the remainder of your special renovation mortgage.</li><li>Only valid if your mortgage was signed after October 2024.*</li></ul><p>Good to know:</p><ul><li>Reduction can only be applied based on a valid EPC certificate.</li><li>Reductions are granted according to an EPC value grid: a minimum improvement must be achieved to qualify for an additional reduction, as indicated in the grid provided in the contractual documents and available in our price list.<ul><li>&lt;150 kWh : -0,20%</li><li>151 - 200 kWh: - 0,15%</li><li>201 - 350 kWh: -0,05%</li><li>&gt;350 kWh: -0,00%</li></ul></li></ul><p>Not applicable for mortgage concerning a house or appartement elsewhere than Belgium.</p><p>Please note, however:</p><ul><li>The reduction will not be retroactive. It will apply as soon as you have proved and validated your new EPC score.</li><li>The reduction will apply only to the mortgage for your renovation works, not to the mortgage with which you purchased your property. </li></ul><p>Example: </p><ul><li>You buy a house in Belgium with an EPC score of 250 kWh/m²/year.</li><li>You immediately benefit from a reduction in your interest rate.</li><li>Two years later, you carry out work to improve the energy performance of your property. Your new EPC certificate now shows 175 kWh/m²/year. Submit a copy of this EPC certificate to us and you&apos;ll benefit from an additional reduction in your interest rate for the remainder of the term of your loan.</li><li>Four years after the deed date, you further improve your property&apos;s EPC score, which is now 125 kWh/m²/year. Once again, simply by submitting this new EPC certificate, you&apos;ll benefit from an additional reduction on your interest rate for the remainder of the term of your loan.</li></ul>"}}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"Legal note","richBody":{"value":"<p><strong>Illustrative example:  </strong></p><p>For a €250,000 mortgage over 300 months with a fixed rate of 3.91% (TAEG 4.70%), you pay €1,297.61/month, totaling €389,283.  </p><p>For a €250,000 mortgage over 300 months with a variable rate (10+5+5 (cap 2/floor unlimited)) of 3.47% (TAEG 4,61%), you pay €1,240.86/month initially, with the total depending on rate changes throughout the loan.   </p><p>The ING Mortgage Loan, the ING Bridging Loan and the Mortgage loan combined 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. </p><p>Your application and any approval of your application by ING Belgium (after examination of your file by ING Belgium) in-branch or via the ‘Mortgage Loans Online’ service at ing.be are not binding for ING Belgium or you until you’ve signed the credit offer 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). </p><p>General conditions for ING loans are available from any ING branch and on ing.be. </p><p>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  </p>"}}]}}}