“Marie has just started working as a doctor and has taken out an evolutive mortgage loan with ING with the help of an expert. She has chosen to divide her repayment plan into four phases. Phase 1 runs for three years, with the monthly capital repayment amount determined by Marie. Since her income will increase, she opts for a higher repayment during phase 2. Phases 3 and 4 are also predefined and will evolve in parallel with her career.”
"}},{"componentType":"highlight","title":"Three months free on ING Home Insurance","richBody":{"value":"If you take out a mortgage loan from ING, you will enjoy 3 months free of charge on ING Home Insurance during the compromise period. Book a phone call with an ING advisor for more information.
"},"textLinks":[{"url":"https://www.ing.be/en/individuals/services/contact-us-appointment?subject=mortgage","text":"Book a phone call"}]},{"componentType":"accordion"},{"componentType":"testimonial"},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"componentType":"accordion","accordionList":[{"title":"What exactly is an evolutive mortgage loan?","richBody":{"value":"An evolutive mortgage loan is a loan that can be adapted on a case-by-case basis according to the customer's needs and changing repayment capacity. It offers personalised repayments, which means that the borrower makes constant periodic capital repayments in instalments in each phase. A minimum of two and a maximum of five phases are permitted under this mortgage loan.
"}},{"title":"How does the repayment plan work?","richBody":{"value":"With an evolutive mortgage loan, the borrower determines in advance the number of phases, the duration of each phase and the monthly capital repayment amount within each phase, based on statistical changes in the borrower's income. This means that the amount and repayment period of each phase are determined according to the borrower's ability to repay.
"}},{"title":"Are there any grace periods for principal repayment?","richBody":{"value":"No, there are no grace periods for repaying the principal under an evolutive mortgage loan. There is no grace period, either at the end of the loan period or between phases. The borrower is obliged to make constant principal repayments in accordance with the agreed terms.
"}},{"title":"What are the advantages of a mortgage loan with progressive instalments?","richBody":{"value":"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.
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
ING Outstanding Balance Insurance for mortgage loans is an insurance product provided, upon mutual agreement, by ING Belgium SA/nv (insurance intermediary), insurance broker registered with the FSMA under the number 12381A and NN Insurance Belgium nv (insurer), an insurance company, licensed by NBB under the code number 2550.
For all conditions and exceptions, please read the:
All other important details: