Simulate your mortgage, renovation loan or energy loan (installment loan). Calculate your budget and choose the loan that will help you realize your projects!
"}},{"title":"Which loan to choose for your renovation projects ","richBody":{"value":"It all depends on your project! Are you planning to carry out renovation work to improve the energy efficiency of your property (e.g. insulation, heat pump)? Then opt for an energy loan.
Or are you planning general renovations (kitchen, bathroom, painting, etc.)? Then a renovation loan is for you!
Find out more about renovation loans and even take out an online simulation to find out how much you can borrow to finance your renovation.
"}},{"title":"Do you already have a mortgage with ING and want to make renovations? ","richBody":{"value":"Make an appointment and benefit from the advice of an expert who will give you the best tips on choosing the right loan for your work and renovation.
"}},{"title":"Should I choose a fixed or a variable interest rate?","richBody":{"value":"This is a very personal choice. If you prefer security, a fixed interest rate is ideal. If you don't mind that your repayment amounts may change, you can opt for a variable interest rate. For the same loan, the variable interest rate will be lower than the fixed interest rate at the start of the contract
Compare the differences between fixed and variable interest rates
"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Other relevant products for you"},{"componentType":"cards","cards":[{"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":"Home Insurance for tenants","intro":"Insurer : NN Non-Life","image":{"transformBaseUrl":"https://assets.ing.com/transform/0724435c-0893-4e31-a5a8-0d30e998b4b3/Flatmates-in-the-kitchen-chatting-as-they-make-coffee","type":"image","width":5700,"original":"https://assets.ing.com/m/7dc4a60630fca249/original/Flatmates-in-the-kitchen-chatting-as-they-make-coffee.jpg","extension":"jpg"},"link":{"url":"/en/individuals/insurance/insure-my-home/home-insurance-tenants"},"promoText":"15% discount on 1st year","promotionalLabel":{"labelType":"commercial","body":"Offer"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notes"},{"componentType":"paragraph","textLinks":[{"url":"/en/individuals/daily-banking/charges-and-regulations","text":"General conditions"}]},{"componentType":"paragraph"},{"componentType":"paragraph","richBody":{"value":"Mortgage for renovation
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.
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).
General conditions for ING loans are available from any ING branch and on ing.be.
You will receive a personalized mortgage proposal at the time of your application, based on a set of factors including, but not limited to, preliminary verifications and your risk profile. The application and possible approval of your application by ING Belgium (after examination of your file by ING Belgium) do not bind either ING Belgium or yourself until you have signed a credit contract. The accuracy and completeness of the information provided in the application are checked beforehand (including on the basis of documents submitted or to be submitted).
Loans for renovation
The credit application for renovation or energy loan must be submitted digitally via the ING banking App or Home’Bank or in an ING branch, subject to acceptance of your file by ING Belgium, within campaign period.
Your request and any approval of your request by ING Belgium (after examination of your file by ING Belgium) in branch or via the 'Online consumer credits' service on www.ing.be or in the ING Banking app or in the Home’Bank do not commit neither ING Belgium nor yourself as long as you have not signed a credit contract in your ING branch or during your online request and have not returned it to ING (after prior approval of your file by ING). It is checked beforehand whether the information provided in the application is accurate and complete (including on the basis of the documents submitted or to be submitted).
Representative examples:
"}},{"componentType":"paragraph","richBody":{"value":"Representative examples for an ING Renovation Loan (instalment loan for private purposes)
1) For an ING Renovation loan
With an instalment loan for private use of 10,000 euros over 48 months with an annual percentage rate and a fixed debit interest rate of 4,24%, you‘ll pay 226.50 euros per month, totaling 10.872,00 euros.
Interest rate valid on 16-03-2026 subject to change upon notice before conclusion of the contract.
2) 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 3.84%, you‘ll pay 337.17 euros per month, totaling 16.184,16 euros.
Interest rate valid on 16-03-2026 subject to change upon notice before conclusion of the contract.
* Your interest rate depends on your customer profile, the amount borrowed, and the term of the loan. 50% of customers receive an interest rate equal or below the one shown in this advertising. You will receive a customized proposal during your application, which is based on a set of factors including, but not limited to your risk profile and other preliminary checks. The legal maximum interest rate is set at 12%
3. Your request and any approval of your request by ING Belgium (after examination of your file by ING Belgium) in branch or via the 'Online consumer credits' service on www.ing.be or in the ING Banking app or in the Home’Bank do not commit neither ING Belgium nor yourself as long as you have not signed a credit contract in your ING branch or during your online request and have not returned it to ING (after prior approval of your file by ING). It is checked beforehand whether the information provided in the application is accurate and complete (including on the basis of the documents submitted or to be submitted).
"}},{"componentType":"paragraph","richBody":{"value":"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
"}}]}}}