| With an ING Energy Loan, taking that step becomes much easier. You choose how much to borrow and over what period,within the limits of the maximum repayment period. This allows you to start paying back and be proud that you are working to make your home sustainable. This way, you don’t have to dip into your savings, and you’ll notice it less in your monthly budget. |
| 1. Calculate your loan Think of solar panels, insulation, heat pumps or other energy-saving upgrades. 2. Apply for your ING Energy Loan You choose the amount and duration, within the limits of the maximum repayment periods. The simulation gives you an immediate idea of your monthly repayment. 3. Start repaying Start paying back and be proud that you are working to make your home sustainable |
| Fixed low interest rate of 2.99% (limited-time offer) - Borrow up to €50,000 - 100% digital application via the ING app or website - Finance your project without dipping into your savings - Future-proof your home and increase its value |
Apply for your ING Energy Loan on our website.
"}},{"componentType":"sectionTitle","title":"Apply for your ING Energy Loan"},{"componentType":"applicationProcess","steps":{"stepList":[{"title":"Simulate your loan","body":"With no obligations.","textLink":{"url":"https://www.ing.be/en/individuals/borrowing/loan-calculator?purpose=home","text":"Calculate your monthly repayment"}},{"title":"Request your offer","body":"By reviewing your personal details, selecting your loan type, and filling in your income and expenses.","textLink":{"url":"https://ebanking.ing.be/banking/mobile/products/580/open?EW=true","text":"Start your loan request"}},{"title":"Receive your offer","body":"You’ll see online if your loan got approved², and if approved you receive an offer with your personal interest rate. This offer will be valid for 20 days."},{"title":"Sign your offer and get your money","body":"You can now sign your offer online. Afterwards, you will receive the borrowed money in your account (prior to this, supporting documents may still be requested)."}]}},{"componentType":"paragraph","richBody":{"value":"² During the opening hours of the National Bank of Belgium's Central Individual Credit Register (Mo – Sat: 4 am – 11.30 pm. – Sun: 12 pm. – 11.30 pm).
"}},{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/banking/mobile/products/580/open?EW=true","text":"Request your energy loan"}},{"componentType":"sectionTitle","title":"Representative and illustrative simulation"},{"componentType":"paragraph","richBody":{"value":"For an 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 3.84%, you‘ll pay 337.17 euros per month, totaling 16.184,16 euros.
Interest rate valid on 16-03-2026 subject to change upon notice before conclusion of the contract.
"}},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"componentType":"accordion","accordionList":[{"title":"What is an energy loan?","richBody":{"value":"
An energy loan is a personal loan. Taking out a loan to go invest into energy saving helps you reduce your energy bills. This instalment loan for private purposes is subject to current consumer credit legislation.
"}},{"title":"Who can take out an energy loan?","richBody":{"value":"The conditions for taking out an energy loan are that the loan must have a purpose that falls within the category of an energy loan (see the various purposes mentioned above), that the borrower must be a natural person and be at least 18 years old, and that he or she must have the necessary repayment capacity for the loan.
"}},{"title":"How much can I borrow with an energy loan?","richBody":{"value":"This energy loan is available from €1,300.
"}},{"title":"What is the repayment period?","richBody":{"value":"Your energy loan has a minimum term of six months. The maximum term depends on the amount you borrow and your ability to repay the loan.
"}},{"title":"What is the interest rate on an energy loan?","richBody":{"value":"The interest rate of your energy loan depends on your customer profile, the amount you borrow and the term of your loan. The annual percentage rate of charge (APR) is the total price of your loan on an annual basis. This means it takes into account interest and any loan charges. You won’t pay any administration fees. You enjoy a reduced rate for energy-saving work. So you pay less interest than for an ordinary renovation.
"}},{"title":"Do I need an invoice?","richBody":{"value":"Yes, you need a signed offer/quotation or invoice. This can be issued by a contractor or it can be receipts for materials for the wor
"}},{"title":"When do I have to start repaying the loan?","richBody":{"value":"You’ll start paying it off the month after your receive the money for your loan.
"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notes"},{"componentType":"paragraph","title":"Legal information related to advertising on this product","richBody":{"value":"| Legal notes 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). - 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. 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 |