{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Considering getting a loan (instalment loan) but still need clarity on the process and evidencing? You will find all the information relevant to making a renovation loan request at ING below.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Steps to get a loan"},{"body":"Find out how to apply for a loan in 5 steps","componentType":"applicationProcess","steps":{"stepList":[{"body":"Confirm your personal data, income, expenses and the amount you want to borrow.","title":"Request your offer"},{"body":"Check online to see if your loan has been approved¹ and receive 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.","title":"Receive your offer"},{"body":"Income if not already validated through the online flow and purpose evidence if required","title":"Upload your evidencing"},{"body":"Sign contractual documents.","title":"Signature"},{"body":"As soon as we receive and approve the necessary supporting documents, we’ll pay the amount you borrow into your current account.","title":"Money is on your account within 2 days¹ !"}]}},{"componentType":"paragraph","richBody":{"value":"<p>¹ During the opening hours of the National Bank of Belgium&apos;s Central Individual Credit Register (Mo – Fri: 6 am – 10.30 pm, Sat: 6 am - 8.30 pm, Sun: 1 pm – 10.30 pm).</p>"}},{"componentType":"cta"},{"componentType":"cta","textLink":{"text":"No more questions? Make your loan request now","url":"https://ebanking.ing.be/banking/mobile/products/580/open?EW=true"}},{"componentType":"sectionTitle","title":"Request your offer"},{"alignedImage":{"position":"left","extension":"svg","original":"https://assets.ing.com/m/6bff9747210718af/original/Woman-happy-thumbs-up.svg","transformBaseUrl":"https://assets.ing.com/transform/3ff2cfcb-ce57-477a-9daa-d74e088577e2/Woman-happy-thumbs-up"},"componentType":"paragraph","richBody":{"value":"<p><strong>Eligibility </strong> </p><ul><li>To apply for an instalment loan online, you must be 18 or over and be a Belgium resident. The credit amount should be used for a private purpose (not business). </li></ul><p><strong>Applying alone or with a partner </strong></p><ul><li>If you&apos;re<strong> married under community of goods </strong>or the legal marital regime (wettelijk stelsel / régime legal) the application must be submitted in both your names. If you wish to apply for a loan individually, please note that your partner’s consent is required (exceptions are possible). </li><li>If you are <strong>married under separation of goods</strong> you can apply by yourself or with your partner. </li></ul><p>If you are<strong> not married</strong>, you can apply for an instalment loan:  </p><ul><li><p>By yourself alone, or </p></li><li><p>With your legal cohabiting partner </p></li><li><p>With your cohabitant (declared living under the same address) </p></li></ul><p> </p><p>If you are applying with your partner or cohabitant, they must be an ING customer as well. </p>"},"title":"Loan applicants"},{"componentType":"paragraph","richBody":{"value":"<p>When applying online, you must select the purpose of the loan. </p><p>For renovation loans, you can either request a standard renovation loan or select an energy loan if 50% or more of your loan amount requested is aimed at improving your energy efficiency.   </p><table><tbody><tr><td><p> </p></td><td><p><strong>Mobility Loan </strong></p></td><td><p><strong>Renovation Loan </strong></p></td><td><p><strong>Personal Loan </strong></p></td></tr><tr><td><p>Loan goal </p></td><td><p>Fund any transportation mode </p><p>Ex. Car, bike, motorcycle, step… </p></td><td><p>Fund any renovations </p><p>(reduced rate for energy loans) </p></td><td><p>Fund any type of project  </p><p>Ex. Events, training, furniture, unexpected expenses… </p></td></tr><tr><td><p>Purpose evidencing </p></td><td><p><strong>For all</strong>  </p><p>- Offer or quote required  </p><p><strong>Above 30,000 euros</strong> </p><p>- first invoice also required </p></td><td><p><strong>For all</strong>  </p><p>- Offer or quote required  </p><p><strong>Above 30,000 euros</strong> </p><p>- first invoice also required </p></td><td><p>No purpose evidence required below 50,000 euros </p></td></tr></tbody></table><p> </p><p><strong>Energy Loans requirement is that 50% of the amount requested is aimed at reducing energy consumption.</strong></p><p>This could include any of the following goals: </p><p>🔥 <strong>Heating &amp; Thermal Systems</strong>  </p><ul><li><p>Installation of new central heating systems  </p></li></ul><ul><li><p>Solar boilers and heat pumps  </p></li></ul><ul><li><p>Geothermal energy systems  </p></li></ul><ul><li><p>Smart thermostats and energy monitoring devices  </p></li></ul><p>🧱 <strong>Insulation &amp; Structural Enhancements  </strong></p><ul><li><p>Roof, wall, and floor insulation  </p></li></ul><ul><li><p>High-efficiency or double glazing  </p></li></ul><ul><li><p>Green roofs or reflective roofing materials (reduce heat absorption)  </p></li></ul><ul><li><p>Exterior shading devices (e.g., awnings, shutters)  </p></li></ul><ul><li><p>Verandas, conservatories, or winter gardens (enhance passive solar gain and reduce lighting needs)  </p></li></ul><p>🌬️<strong> Ventilation &amp; Airtightness  </strong></p><ul><li><p>Mechanical ventilation systems  </p></li></ul><ul><li><p>Airtightness testing and sealing improvements  </p></li></ul><p>💧 <strong>Water Efficiency  </strong></p><ul><li><p>Low-energy hot water systems  </p></li></ul><ul><li><p>Rainwater harvesting and water-saving filters  </p></li></ul><p>⚡<strong> Electricity &amp; Renewable Energy </strong> </p><ul><li><p>Solar panels and home batteries  </p></li></ul><ul><li><p>Wind turbines  </p></li></ul><ul><li><p>Low-energy lighting systems  </p></li></ul><ul><li><p>Electric vehicle charging stations   </p></li></ul><p>🔌<strong> Smart Home &amp; Energy Management  </strong></p><ul><li><p>Home energy management systems (integrated control of heating, lighting, and appliances)  </p></li></ul><ul><li><p>Automated blinds or shutters (to regulate indoor temperature)  </p></li></ul><p>🧼 <strong>Appliances &amp; Equipment – if combined with other renovations </strong></p><ul><li><p>Energy-efficient household appliances   </p></li></ul><ul><li><p>Induction cooktops (more efficient than traditional electric or gas stoves)  </p></li></ul><ul><li><p>High-efficiency HVAC systems (heating, ventilation, and air conditioning)  </p></li></ul><p>🌡️<strong> Climate Control  </strong></p><ul><li><p>Zoned heating/cooling systems  </p></li></ul><ul><li><p>Ceiling fans (reduce need for air conditioning)  </p></li></ul><ul><li><p>Radiant floor heating (more efficient heat distribution)  </p></li></ul><p>🚿 <strong>Water Efficiency </strong> </p><ul><li><p>Low-flow faucets and showerheads  </p></li></ul><ul><li><p>Greywater recycling systems  </p></li></ul><ul><li><p>Hot water circulation pumps (reduce water waste while waiting for hot water)  </p></li></ul><p>🛠️<strong> Construction Materials  </strong></p><ul><li><p>Eco-friendly or recycled building materials (with thermal or insulating properties)  </p></li></ul><ul><li><p>Phase-change materials (for thermal regulation)  </p></li></ul><p>🌳 <strong>Sustainable Gardening – if combined with other renovations</strong> </p><ul><li><p>Trees and plants  </p></li></ul><p>📋 <strong>Audits &amp; Related Services  </strong></p><ul><li><p>Energy audits and EPC certifications  </p></li></ul><ul><li><p>All associated costs to the above renovations : materials, labour, installation, and equipment  </p></li></ul>"},"title":"Purpose of the loan"},{"componentType":"paragraph","richBody":{"value":"<p><strong>Minimum loan amount</strong></p><p>1300 euros for renovation (incl. energy) loans </p><p><strong>Maximum loan amount</strong></p><p>The maximum amount is variable and depends on the term and your repayment options and your ability to repay the loan </p><p><span><span><span><span>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. </span></span></span></span>  </p><p><strong>Loan duration</strong></p><p>Your loan has a <strong>minimum term of six months</strong>. The maximum term depends on the amount you borrow and your ability to repay the loan. </p>"},"title":"Loan amount and duration"},{"componentType":"sectionTitle","title":"Receive your offer"},{"componentType":"paragraph","richBody":{"value":"<p>Once you’ve submitted your loan request, you should get a decision on your loan which you should submit. </p><p>Once submitted, you will a tailor-made offer valid for 20 days.  </p><p>You will also receive an email with details on the next step to follow and evidencing to provide. </p>"}},{"componentType":"sectionTitle","title":"Upload your evidencing"},{"alignedImage":{"position":"right","extension":"svg","original":"https://assets.ing.com/m/5e54e7bb4a1b4a2b/original/Thumbs-up-spot.svg","transformBaseUrl":"https://assets.ing.com/transform/2d056f32-5b4a-4a17-9bae-1aaf017a575a/Thumbs-up-spot"},"componentType":"paragraph","richBody":{"value":"<p><strong>What do we mean by purpose evidence? </strong></p><p>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 (order form or quote) is required for all renovation loans. Above 30,000 euros, an invoice will also be required. A partial invoice can be accepted. </p><ul><li><p>Ensure to submit the evidence of the order forms or quotes for the full amount requested and any invoice already received.  </p></li></ul><p>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.  </p>"},"title":"Purpose evidencing"},{"componentType":"paragraph","richBody":{"value":"<p><strong>What do we mean by income evidence? </strong></p><p>If income evidence is requested from you, you will be required to provide income evidence depending on your employment type. </p><p><strong>For employees</strong> (incl. Service cheques employees, Seasonal workers and PhD students…): </p><ul><li><p>Salary slips of the last 3 months </p></li></ul><p><strong>Landlords</strong>:  </p><ul><li><p>Leasing agreement </p></li></ul><p><strong>Self-employed </strong>company managers, self-employed and liberal professions: </p><ul><li><p>tax declaration (gross remuneration)  </p></li></ul><p><strong>All others</strong>:  </p><ul><li><p>Replacement income receipts for the last 3 months </p></li></ul><p> </p><p>Take into account the following income proof is<strong> not accepted: </strong></p><ul><li><p>Vacation pay </p></li></ul><ul><li><p>13th or 14th month </p></li></ul><ul><li><p>Bonus </p></li></ul><ul><li><p>Family allowance </p></li></ul><ul><li><p>Flat-rate reduction in withholding tax </p></li></ul><ul><li><p>Profit sharing </p></li></ul><ul><li><p>Alimony (requested at another stage) </p></li></ul><ul><li><p>Reimbursement of expenses </p></li></ul><ul><li><p>Green certificates </p></li></ul><ul><li><p>CPAS income </p></li></ul><ul><li><p>Parental allowance </p></li></ul>"},"title":"Income evidencing"},{"componentType":"sectionTitle","title":"Signature"},{"componentType":"paragraph","richBody":{"value":"<p>Sign all your contractual documents via the <strong>document center. </strong></p>"}},{"componentType":"sectionTitle","title":"The money is on your account within 2 days ¹!"},{"alignedImage":{"position":"left","extension":"jpg","original":"https://assets.ing.com/m/a1f5f049574f56b/original/bike-1200x1200.jpg","transformBaseUrl":"https://assets.ing.com/transform/e1f48209-53df-43e6-b6b4-74692ed22766/bike-1200x1200"},"componentType":"paragraph","richBody":{"value":"<p>As soon as we receive and approve the necessary supporting documents, we’ll pay the amount you borrow into your current account.  </p><p>The<strong> necessary supporting documents</strong> could be either: </p><ul><li><p>Income evidence, and/or </p></li></ul><ul><li><p>Purpose evidence  </p></li></ul><ul><li><p>Delivery attest  </p></li></ul>"},"title":"Disbursement of the funds "},{"componentType":"paragraph","richBody":{"value":"<p>The exact list of required documentation will be requested from you as soon as you have submitted your loan request in the online flow.  </p><p>You will also be required to <strong>sign and upload the “delivery attest”</strong> prior to the release of funds to your account. The delivery attest is a declaration form to attest the reception of the car, bike and other mobility loans as well as renovation and energy loan. It can be found in your document centre via app or web once you are far enough onto the loan processing stages. This document is not requested when evidencing is not requested.  </p><p>You should sign the delivery attest to confirm reception of the goods. <strong>You have up to 12 months post loan request to submit this final document in your app or web.  </strong></p>"}},{"componentType":"sectionTitle","title":"Next steps"},{"componentType":"paragraph","richBody":{"value":"<p>You’ll start paying it off the month after you receive the money for your loan. </p><p>The account for repaying the loan must be an account that can be used for making payments. <br />You must be the holder or joint holder of this account. <br />The account for repaying the loan must be the one used for disbursing it.  </p>"},"title":"Repayment "},{"componentType":"paragraph","richBody":{"value":"<p>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. </p>"},"title":"Right of withdrawal"},{"alignedImage":{"extension":"svg","original":"https://assets.ing.com/m/2774a6896e22c159/original/yoga-pose-woman-green-lianas-no-padding.svg","transformBaseUrl":"https://assets.ing.com/transform/c8a09180-3b2c-4bda-b8b7-37f33d736256/yoga-pose-woman-green-lianas-no-padding"},"componentType":"paragraph","richBody":{"value":"<p>To have the best 1st time right experience, make sure to follow these tips and tricks: </p><ul><li><p>When making your request, select the exact amount corresponding to the loan amount as this will be the one you will need to evidence </p></li></ul><ul><li><p>Provide qualitative documentation (good scanning with all information requested within the frame of the scan)  </p></li></ul><ul><li><p>Refer to the right document as per requested to you via email </p></li></ul><ul><li><p>Provide the complete list of evidence as soon as possible for the loan to be finalised and for process smoothness.  </p></li></ul><ul><li><p>Include order forms or quotes that match the full loan amount, and send us the invoice (for any amount) as soon as it becomes available.  </p></li></ul><ul><li><p>To find your document center (the place to upload all your documentation), you can go via app or web in the bell icon and the section “documents”  </p></li></ul>"},"title":"Tips & tricks"}]},"hasMacro":false,"id":"ce88cb8a-ad4d-485b-be9c-d8cca26ca543","legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p><strong>Legal information related to advertising on this product</strong></p><p>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.</p><p>This advertising message, which concerns an <strong>installment loan </strong>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 &apos;Rates and regulations&apos;). Your request and the possible approval of your request by ING (after examination of your file by ING) in a branch or through the &apos;Consumer Loans Online&apos; 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).</p><p><strong>Legal information related to the loan provider</strong></p><p>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</p>"},"title":"Legal notes"}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Borrowing","url":"/en/individuals/borrowing"}},"componentType":"productHeader","coreHeader":{"body":"Considering getting a loan (instalment loan) but still need clarity on the process and evidencing? You will find all the information relevant to making a loan request at ING below.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/6ce72ffc1e61b259/original/side-view-of-young-woman-wearing-hat-standing-against-sky.jpg","transformBaseUrl":"https://assets.ing.com/transform/394a4aa6-9217-4bcd-8f8d-1ba2c39a2b97/side-view-of-young-woman-wearing-hat-standing-against-sky","type":"image","width":6000},"title":"More info about the online process for your ING Renovation Loan"},"legalBanner":{"body":"Caution, borrowing money also costs money.","componentStyle":"alternativeVariantLarge","headerBannerType":"headerBannerType"}},"publishDate":"2025-11-17T14:52:07.983+01:00"}}