Discover the loan that would best fit your project.
"},"title":"💡Already have a mortgage with ING?"},{"componentType":"paragraph","richBody":{"value":"If 50% of the costs of your work are aimed at saving energy then choose the ING Energy Loan. You’ll benefit from a lower interest rate.
"}},{"componentType":"paragraph","richBody":{"value":"
| ING Renovation Loan | ING Energy Loan |
Percentage¹ of energy-saving work | Not applicable | 50% or more |
Type of renovation | Examples:
| Some examples:
|
|
¹ The percentage of energy-saving renovations to qualify for the ING Energy Loan. For example, a 5,000 euro ING Energy Loan Loan that consists of 50% energy-saving renovations may also include, for example, a minor kitchen renovation.
"}},{"accordionList":[{"richBody":{"value":"² 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":{"text":"Make a simulation","url":"https://www.ing.be/en/individuals/borrowing/loan-calculator?purpose=home"}},{"componentType":"sectionTitle","title":"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 4,04%, you‘ll pay 225.64 euros per month, totaling 10.830,72 euros.
Interest rate valid on 13-05-2026 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 3.63%, you‘ll pay 335.81 euros per month, totaling 16.118,88 euros.
Interest rate valid on 13-05-2026 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. 26% 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":"sectionTitle","title":"Frequently Asked Questions"},{"accordionList":[{"richBody":{"value":"The ING Renovation Loan is an instalment loan for private purposes to finance energy-saving rebuilding or improvement work on your home, located in Belgium. This can range from painting to complete rebuilding work. This renovation loan is subject to the legislation on consumer credits.
"},"title":"What is a renovation loan?"},{"richBody":{"value":"The interest rate of your renovation loan depends on your customer profile, the amount borrowed and the term of your loan. If 50% of your work is focused on saving energy you will benefit from a lower interest rate with an energy loan: you therefore pay less interest than for a normal renovation.
Consult the consumer credit rates (PDF)
"},"title":"What is the interest rate on a renovation loan?"},{"richBody":{"value":"The classic renovation loan is not tax deductible. If you took out an energy loan before 1 January 2012, you are entitled to a tax reduction for the interest paid. However, since 1 January 2012, you can no longer take out a green loan with tax benefits. The green loan was a temporary measure applicable to loan agreements entered into between 1 January 2009 and 31 December 2011.
"},"title":"Is the renovation loan tax deductible?"},{"richBody":{"value":"For mortgage loans signed as of 2023, it's possible to benefit from the Flemish Renovation loan, if you combine the purchase of your property with a renovation.
Depending on your situation, you can borrow up to 60.000 € and benefit from a discount of the interests of this loan via a subsidy paid by the Flemish Agency for Energy and Climate (VEKA).
All details and conditions can be found on Vlaanderen.be (NL).
"},"title":"How does it differ from the Flemish government's renovation loan?"},{"richBody":{"value":"Discover more about the process of applying for a renovation loan. From the online request to the disbursement of the funds, find out more here.
"},"textLinks":[{"text":"The online process of getting a renovation loan","url":"/en/individuals/borrowing/renovation-loan_more-info-about-the-online-process"}],"title":"How does the process of getting a renovation loan work?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Services and advice"},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"png","original":"https://assets.ing.com/m/42ce252cfd175923/original/Tools_Outline_RGB.png","transformBaseUrl":"https://assets.ing.com/transform/b633ace9-986f-4317-bf25-124f5c521257/Tools_Outline_RGB","type":"image","width":267},"intro":"Consult your lending overview via Home'Bank.","link":{"url":"https://ebanking.ing.be/banking/overview"},"title":"View all your loans in one place?"}],"componentType":"cards"},{"componentType":"highlight","richBody":{"value":"Discover the loan that would best fit your project.
"},"title":"💡Already have a mortgage with ING?"}]},"hasMacro":false,"id":"ba0976f2-9302-4d8e-8d3f-6924081a69a0","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notes"},{"componentType":"paragraph","richBody":{"value":"*The advertisement you were shown is for information purposes only. It does not constitute a credit offer. 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 mentioned in the advertisement, we took into account a set of data currently known to ING including, but not limited to your income and expenses on your ING accounts, as well as general loan eligibility conditions including, but not limited to having a minimum age of 18 years old. On the other hand, ING didn’t take into account 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 as well as credit data with third parties consulted with the National Bank of Belgium.
To obtain an ING loan you must submit a loan application. The granting of a loan is subject to the eligibility criteria used by ING, such as, but not limited to, the evaluation of your financial capacity (income and expenses), and the completion of a series of checks prior to granting, such as, but not limited, checks with the Individual Credit Register (ICR) of the NBB.
"}},{"componentType":"paragraph","richBody":{"value":"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 installment 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).
The ING Mortgage Loan and the ING Bridging Loan 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. General conditions for ING loans are available from any ING branch and on:
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
"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Borrowing","url":"/en/individuals/borrowing"}},"componentType":"productHeader","coreHeader":{"headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/483d26283b0ef1c4/original/HIGH-ANGLE-VIEW-OF-PEOPLE-ON-STAGE.jpg","transformBaseUrl":"https://assets.ing.com/transform/a7994b00-8136-48bb-a16b-e9263134ef0a/HIGH-ANGLE-VIEW-OF-PEOPLE-ON-STAGE","type":"image","width":5905},"title":"Renovation loan"},"cta":{"componentType":"cta","textLink":{"text":"Log in to receive your personal offer","url":"https://ebanking.ing.be/banking/mobile/products/580/open?EW=true"}},"legalBanner":{"body":"Caution, borrowing money also costs money.","componentStyle":"alternativeVariantLarge","headerBannerType":"headerBannerType"},"secondaryCta":{"textLink":{"text":"Make a simulation","url":"/en/individuals/borrowing/renovation-loan#make-a-simulation"}},"usps":[{"body":"Simulate and request your loan online","icon":{"extension":"svg","original":"https://assets.ing.com/m/7c158c0ba780dccf/original/Feedback-Check_Mark_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","width":32}},{"body":"Minimum amount 1.300€","icon":{"extension":"svg","original":"https://assets.ing.com/m/7c158c0ba780dccf/original/Feedback-Check_Mark_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","width":32}},{"body":"Attractive rate","icon":{"extension":"svg","original":"https://assets.ing.com/m/7c158c0ba780dccf/original/Feedback-Check_Mark_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","width":32}}]},"publishDate":"2026-03-25T17:09:23.643+01:00"}}