{"type":"document","data":{"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/2ceccad2325a3ebf/original/person-turning-down-thermostat-on-heater-to-save-energy.jpg","transformBaseUrl":"https://assets.ing.com/transform/e6ea4a03-5fcd-43ff-aab8-e2a4a61497a0/person-turning-down-thermostat-on-heater-to-save-energy","type":"image","width":847},"intro":"Discover the energy-saving investments available for boiler financing.","link":{"url":"/en/individuals/borrowing/home/financing-boiler"},"title":"How to finance the purchase of a boiler in Belgium"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/cb6f6663d482bfc/original/Happy-woman-holding-tools-and-making-a-peace-sign-in-a-kitchen.JPG","transformBaseUrl":"https://assets.ing.com/transform/8e3219fe-4794-4679-887c-2cf006ebd8a2/Happy-woman-holding-tools-and-making-a-peace-sign-in-a-kitchen","type":"image","width":7200},"intro":"Efficient insulation = energy savings!","link":{"url":"/en/individuals/borrowing/home/financing-home-insulation"},"title":"How to finance home insulation work in Belgium"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"altTextEN":"Close-up of exposed underfloor heating construction with pipes leading into a white wall","altTextFR":"Gros plan d'une construction de chauffage par le sol exposée avec des tuyaux menant dans un mur blanc","altTextNL":"Close-up van een zichtbare vloerverwarmingsconstructie met buizen die in een witte muur lopen","extension":"jpg","original":"https://assets.ing.com/m/6797f8847e90759a/original/Close-up-of-exposed-underfloor-heating-construction-with-pipes-leading-into-a-white-wall.jpg","transformBaseUrl":"https://assets.ing.com/transform/4aa67f71-2c54-4a18-a5ae-1e24a545deed/Close-up-of-exposed-underfloor-heating-construction-with-pipes-leading-into-a-white-wall","type":"image","width":6016},"intro":"Whether you're building anew or renovating, here's how you can finance a heat pump.","link":{"url":"/en/individuals/borrowing/home/finance-heat-pump"},"title":"How to finance a heat pump in Belgium"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"altTextEN":"Middle aged man fixing solar panels to the roof of his house","altTextFR":"Homme d'âge moyen fixant des panneaux solaires sur le toit de sa maison","altTextNL":"Man van middelbare leeftijd bevestigt zonnepanelen op het dak van zijn huis","extension":"jpg","original":"https://assets.ing.com/m/5ef1bf5d616359d1/original/Middle-aged-man-fixing-solar-panels-to-the-roof-of-his-house.jpg","transformBaseUrl":"https://assets.ing.com/transform/f1c3377c-2d86-4f52-a6e9-8fee2b981a87/Middle-aged-man-fixing-solar-panels-to-the-roof-of-his-house","type":"image","width":4096},"intro":"Considering solar panel installation? Turn solar energy into savings by reading this article","link":{"url":"/en/individuals/borrowing/home/solar-panel-funding-finance"},"title":"Solar panel funding for solar panel installation"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/7410d91fea92bc64/original/cars-on-street-against-sky.jpg","transformBaseUrl":"https://assets.ing.com/transform/aada17bb-f1ff-4f3d-a07d-0544141beb83/cars-on-street-against-sky","type":"image","width":4883},"intro":"Discounts on heat pumps, home batteries, free solar panels and more!","link":{"url":"/en/individuals/borrowing/home/renovation-partner-offer"},"title":"Discover our partner offer for renovation"}],"componentType":"cards"}]},"contentType":"onecms:editorialPage","flexPageMetadata":{"afmBanner":false,"description":"Buying a house: stages to follow and aspects to take into consideration.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p>First of all, <a href=\"https://www.ing.be/en/retail/borrowing/home/mortgage-online-intake\">calculate your budget online.</a>. This helps you focus your search on homes you can afford. Also, look at the <a href=\"https://www.ing.be/en/individuals/borrowing/mortgage-loan\">mortgage loan</a> offer from ING, with our proven expertise and advice.</p>"}},{"componentType":"sectionTitle","title":"How can you finance your purchase?"},{"componentType":"paragraph","richBody":{"value":"<p>In most cases, buyers turn to their bank to finance their project. When calculating your total budget, remember to include costs. These include for example registration fees or notary fees.</p><p>Different types of <strong>mortgage loans</strong> are available. Depending on market conditions, it might be better to choose a fixed or variable rate mortgage. You can also vary the term of your loan.</p><p>To find the loan that best suits your needs and finances, try the many <a href=\"http://www.ing.be/en/retail/my-life/housing/my-home\">tools </a>and free <a href=\"http://www.ing.be/en/retail/borrowing/home/mortgage-online-intake\">simulators</a> available online.</p>"}},{"componentType":"sectionTitle","title":"Does your property need some work?"},{"componentType":"paragraph","richBody":{"value":"<p>You don&apos;t necessarily have to use your savings to finance work like:</p><ul><li>Replacing your old boiler</li><li>Changing the kitchen</li><li>Fitting solar panels</li><li>Isolating your roof</li></ul><p>Again, your bank could help. Different types of <a href=\"https://www.ing.be/en/individuals/borrowing/home/renovation-or-energy-loan\">renovation loans</a> are available.</p>"}},{"componentType":"sectionTitle","title":"Help with renovation"},{"componentType":"paragraph","richBody":{"value":"<p>Also, remember that each Region offers grants for renovations and home improvements. To find out the rules for these grants, contact the relevant authorities.</p><ul><li><a href=\"https://www.belgium.be/fr/logement/construire_et_renover/primes/\">On a federal level (FR)</a></li><li><a href=\"https://energie.wallonie.be/fr/aides-et-primes.html?IDC=6358\">Wallonia (FR)</a></li><li><a href=\"https://logement.brussels/renover-construire/primes-fiscalite-et-financement/\">Brussels (FR)</a></li><li><a href=\"https://www.wonenvlaanderen.be/?page=275\">Flanders</a></li></ul>"}},{"componentType":"sectionTitle","title":"Found your dream home? What's next?"},{"componentType":"paragraph","richBody":{"value":"<ul><li>Make an offer.</li><li>While waiting to find out whether your offer has been accepted, go back to your bank to submit your specific plans. You will be able to find the best loan for you according to your income.</li><li>Contact a notary and arrange a date for the signature of the preliminary sale agreement.</li><li>The contract of sale is generally signed within 3 to 4 months.</li></ul><p>And that&apos;s it – you are a homeowner! Congratulations!</p>"}},{"componentType":"highlight","richBody":{"value":"<p>Recently received a new electronic identity card? Changed address? Want to complete your personal details for your own accounts or accounts for which you have a mandate?</p><p>There is no need to come to the branch to submit or update your details. You can do it all <a href=\"https://www.ing.be/en/individuals/services/remote-eid?flow-step=step-itsme-eid-navigation\">online </a></p>"},"title":"Update my contact details"},{"componentType":"sectionTitle","title":"More info?"},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"textLinks":[{"text":"Make an appointment","url":"/en/individuals/services/contact-us"}]}]},"hasMacro":false,"id":"ebc9e453-286c-45a6-8b43-cf8b9f5abf34","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Housing","url":"/en/individuals/my-life/housing"}},"componentType":"editorialHeader","coreHeader":{"headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/00a2b820-34bf-45a9-9cc2-ad84f370a912/Focus-op-nieuwe-woningen-DEF_tcm162-195216.jpg","transformBaseUrl":"https://assets.ing.com/transform/00a2b820-34bf-45a9-9cc2-ad84f370a912/Focus-op-nieuwe-woningen-DEF_tcm162-195216","type":"image","width":799},"subtitle":"Looking to buy a property, or already found one? Here's a practical summary of the stages to follow and what to consider","title":"Buying a house"},"date":"2026-05-19","readingTime":5},"publishDate":"2026-05-19T11:23:45.295+02:00"}}