Insurer: NN Non-Life
Read the info sheet before subscribing.
¹ Loans for renovation
1. This advertising message, which concerns a Renovation loan and Energy loan for private purposes subject to consumer credit legislation, does not constitute a credit offer.
The minimum duration is 6 months. The maximum duration depends on the amount borrowed and your repayment capacity. It is exclusively intended for adult individuals and subject to acceptance of your file by ING Belgium and by mutual agreement. The general conditions and rates of the credit are available in all ING branches and on www.ing.be (“Charges and regulations” section).
2. The promotional interest rate * is only valid from 09/02/2026 up to 15/03/2026,
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 until 15/03/2026 inclusive. Subject to acceptance of your file credit application by ING Belgium.
* 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%.
Representative examples for an ING Renovation Loan (instalment loan for private purposes)
1)
For an ING Renovation loan without the promotional rate.
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 3,99%, you‘ll pay 225.42 euros per month, totaling 10.820,16 euros.
Interest rate valid on 30-06-2025 subject to change upon notice before conclusion of the contract.
ING Renovation Loan with the promotional interest rate of 3.65%. *
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 3.65%, you‘ll pay 223.96 euros per month, totaling 10.750,08 euros.
Promotional interest rate only valid from 09/02/2026 up to 15/03/2026 (inclusive).
2)ING Energy Loan without the promotional interest rate.
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 3.59%, you‘ll pay 335.55 euros per month, totaling 16.106,40 euros.
Interest rate valid on 17-11-2025 subject to change upon notice before conclusion of the contract.
ING Energy Loan with the promotional interest rate of 3.20%*
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 3.20%, you‘ll pay 333.03 euros per month, totaling 15.985,44 euros.
Promotional interest rate only valid from 09/02/2026 up to 15/03/2026 (inclusive).
* 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).
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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.
Offer exclusively intended for adult natural persons and subject to the acceptance of your file by ING Belgium. The general conditions and credit fees are available in all ING branches or on www.ing.be (section “Tariffs and regulations”).
To be eligible for the cashback, the mortgage loan offer for renovation works aimed at saving energy, or for the purchase of a property with an energy score <150 kWh, must be signed between 1 March 2026 and 12 April 2026 at midnight, subject to acceptance of your file by ING Belgium. The €350 cashback will be automatically paid into your current account used to pay the monthly instalments of your mortgage loan, within 3 months after signing the offer letter, and provided there are no payment arrears. The cashback is not considered when calculating the APR. This offer cannot be combined with other offers for the same service and is limited to one reduction per contract (regardless of the number of co borrowers). The offer is reserved for the recipients of this communication.
You will receive a personalised mortgage loan proposal when you submit your request, based on a set of factors including, but not limited to, preliminary checks and your risk profile. The request and any approval of your request by ING Belgium (after review of your file by ING Belgium) do not bind either ING Belgium or yourself as long as you have not signed a credit agreement. The accuracy and completeness of the information provided in the request are verified beforehand (including on the basis of documents submitted or to be submitted).
³ Home insurance
Read the infofiche before subscription. ING Home Insurance (a damage insurance) is subject to approval and is offered by:
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 – 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
Offer valid for each subscription of a new annual contract of an ING Home Insurance policy between 05/02/2026 and 31/03/2026 included, with the promotional code PROMOHOME which is automatically applied in the salesflow. This offer is subject to acceptance of your application by the insurer and mutual agreement. Offer valid for ING customers, without obligation to take out an ING mortgage or to purchase other financial services from ING.
The 20% discount offer applies to the first annual premium, in the case of monthly or annual payments. The discount is valid for both online subscription as subscription in an agency. The discount cannot be combined with any other temporary campaign discounts and will be immediately included in your premium. The discount applies to the Building, Contents and Theft options (not to Family insurance and legal assistance). This discount does not apply to insurance policies that are subject to the rates and conditions of the Tariff Office for Natural Disasters.
Before taking out the insurance, consult the conditions and exclusions in the general terms and conditions and the information document about the insurance product, available on ING.be and at all ING branches.
Editor
ING Belgium SA/NV - Bank/Lender - Registered office: Avenue Marnix 24, B-1000 Brussels – Brussels - RPM/RPR – VAT: BE 0403.200.393 – BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789. Responsible publisher: Cédric Lebegge – Street Marnix 24, B-1000 Brussels • XXXXXXN • 01/2025
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