¹ During the opening hours of the National Bank of Belgium's Central Individual Credit Register (Mo – Fri: 6 am – 10.30 pm, Sat: 6 am - 8.30 pm, Sun: 1 pm – 10.30 pm).
"}},{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/banking/products/580/open?EW=true","text":"No more questions? Make your loan request now !"}},{"componentType":"sectionTitle","title":"Request your offer"},{"componentType":"paragraph","title":"Loan applicants","richBody":{"value":"Eligibility:
Applying alone or with a partner?
If you're applying with your partner or cohaibtant, they must be an ING customer as well.
"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/c8d66ead-962a-4158-938f-d7552415fde7/womanhappythumbsup","original":"https://assets.ing.com/m/647271902fa9bfd7/original/womanhappythumbsup.svg","extension":"svg"}},{"componentType":"paragraph","title":"Purpose of the loan","richBody":{"value":"When applying online, you must select the purpose of the loan:
For mobility loans, you can borrow for a new or second-hand car, electric or not. You can also borrow for a motorbike, bike, step or any motorised vehicle aimed for private usage.
| Mobility loan | Renovation loan | Personal loan | |
|---|---|---|---|
| Loan goal | Fund any transportation mode Ex. Car, bike, motorcycle, step… | Fund any renovations (reduced rate for energy loans) | Fund any type of project Ex. Events, training, furniture, unexpected expenses… |
| Purpose evidencing | For all - Offer or quote required Above 30,000 euros - invoice also required | For all - Offer or quote required Above 30,000 euros - invoice also required | No purpose evidence required below 50,000 euros |
"}},{"componentType":"paragraph","title":"Amount and duration of your loan","richBody":{"value":"
100% of the total purchase price (including VAT) for all loan goals. You can apply for a loan of up to 50,000 euros online.
120% of the total purchase price (including VAT) can be borrowed to buy a new, electric or bike loan if the purpose is used for one or multiple of the following:
Once you’ve submitted your loan request, you should get a decision on your loan which you should submit.
Once submitted, you will a tailor-made offer valid for 20 days.
You will also receive an email with details on the next step to follow and evidencing to provide.
"}},{"componentType":"sectionTitle","title":"Upload your evidencing"},{"componentType":"paragraph","title":"What do we mean by purpose evidence?","richBody":{"value":"Purpose evidence is the proof related to the specific goal of your purchase. This could be your offer, quotes, order form and/or your invoice. The purpose evidence should fully evidence the amount you’ve requested for your loan. 100% of the purpose evidence/proof of investment (order form, quote, a written agreement between private individuals if the vehicle is second-hand and/or invoice) is required for all purposes.
Make sure to refer to the email received once your loan request is submitted, in that email you will see the exact details of documentation you will need to submit prior to the fund disbursement.
For car purpose evidence, the following information should be on the documentation submitted:
If income evidence is requested from you, you will be required to provide income evidence depending on your employment type.
For employees (incl. Service cheques employees, Seasonal workers and PhD students…):
Landlords:
Self-employed company managers, self-employed and liberal professions:
All others:
Take into account the following income proof is not accepted:
Sign all your contractual documents via the document center
"}},{"componentType":"sectionTitle","title":"The money is on your account within 2 days ¹ !"},{"componentType":"paragraph","title":"Disbursement of the funds","richBody":{"value":"As soon as we receive and approve the necessary supporting documents, we’ll pay the amount you borrow into your current account.
The necessary supporting documents could be either:
The exact list of required documentation will be requested from you as soon as you have submitted your loan request in the online flow.
You may be required to sign and upload the “delivery attest” prior to the release of funds to your account. The delivery attest is a declaration form to attest the reception of the goal of the loan. It can be found in your document centre via app or web once you are far enough onto the loan processing stages of the loan.
You should sign the delivery attest to confirm reception of the goods. You have up to 12 months post loan request to submit this final document in your app or web (12 months is only applicable if there is a delivery certificate).
"}},{"componentType":"paragraph","title":"Repayment","richBody":{"value":"You’ll start paying it off the month after you receive the money for your loan.
The account for repaying the loan must be an account that can be used for making payments. You must be the holder or joint holder of this account. The account for repaying the loan must be the one used for disbursing it
"}},{"componentType":"sectionTitle","title":"Next steps"},{"componentType":"paragraph","title":"Right of withdrawal","richBody":{"value":"If you take out a loan that is to be repaid in instalments, you have 14 calendar days to withdraw from the credit contract, starting from the day on which it was signed by both parties.
"}},{"componentType":"paragraph","title":"Tips and Tricks","richBody":{"value":"To have the best 1st time right experience, make sure to follow these tips and tricks:
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 instalment 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
"}}]}}}