{"type":"document","data":{"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"cards":[{"body":"Follow the application process for a mortgage loan","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2023-03-01","image":{"extension":"jpg","original":"https://assets.ing.com/m/7271d404e12585aa/original/mortgage-process-1920.jpg","publishedAt":"2022-10-05T08:55:28Z","transformBaseUrl":"https://assets.ing.com/transform/8e9057f8-391a-4f34-91d9-78df7a17ea42/mortgage-process-1920","type":"image","updatedAt":"2022-10-05T08:57:11Z","width":1920},"link":{"url":"/en/individuals/my-life/housing/mortgage-application-process"},"title":"Your loan in 5 steps"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/2299e5f3d09767a6/original/diy_renovation.jpg","publishedAt":"2020-03-18T13:31:17Z","transformBaseUrl":"https://assets.ing.com/transform/3955c2fa-36ae-4799-a7a2-00c51325793f/diy_renovation","type":"image","updatedAt":"2023-03-17T16:55:49Z","width":814},"intro":"Installment loan to finance your house or apartment renovations.","link":{"url":"/en/individuals/borrowing/renovation-loan"},"title":"Renovation loan"}],"componentType":"cards"}]},"contentType":"onecms:editorialPage","flexPageMetadata":{"afmBanner":false,"description":"Depending on the nature of the project – buying or building – you will start repaying your loan in different ways.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Are you buying a house?"},{"componentType":"paragraph","richBody":{"value":"<p>The <a href=\"https://www.ing.be/en/retail/my-life/housing/find-a-loan\">repayment </a>term for your <a href=\"https://www.ing.be/en/individuals/borrowing/mortgage-loan\">mortgage loan</a> begins on the <strong>1st of the next month</strong> after you sign your contract. For your convenience, the <a href=\"https://www.ing.be/en/retail/my-life/housing/costs-of-buying-or-building\">application charges</a> and <a href=\"https://www.ing.be/en/retail/my-life/housing/glossary\">intermediate interest</a> are automatically taken from your ING account on the 10th of that month. From then on, your monthly payments will be automatically taken from <a href=\"https://www.ing.be/en/retail/daily-banking\">your ING account</a> on the first working day of each month.</p><p><strong>For example</strong>: Bertrand and Sophie are buying a house. They sign the title deeds on 20 April 2026.</p><p><strong>20 April 2026:</strong> Title deed is signed</p><p><strong>1 May 2026:</strong> Repayment term begins</p><p><strong>10 May 2026:</strong> Application charges and intermediate interesten taken</p><p><strong>1 June 2026:</strong> First monthly payment</p>"}},{"componentType":"sectionTitle","title":"Are you building or renovating a home?"},{"componentType":"paragraph","richBody":{"value":"<p>The bank gives you the loan money in parts after you sign the official title deed. You will then pay <a href=\"https://www.ing.be/en/retail/my-life/housing/glossary#I\">intermediate interest</a> on the amount you&apos;ve used so far. This is taken on the <strong>1st of each following month</strong>. <a href=\"https://www.ing.be/en/retail/my-life/housing/costs-of-buying-or-building\">Application charges</a> are automatically taken from <a href=\"https://www.ing.be/en/retail/daily-banking\">your ING account</a> on the 10th of the month following the signing of the title deed. Once you have used up the full loan amount, your <a href=\"https://www.ing.be/en/retail/my-life/housing/find-a-loan\">repayment term</a> begins on the 1st of the following month. From then on, your monthly payments will be automatically taken from your ING account on the first working day of each month.</p><p><strong>For example</strong>: Bertrand and Sophie have decided to build their house. They sign the offiical title deeds on 20 April 2026 and use the first part of their loan on 15 May. </p><p><strong>20 April 2026:</strong> Title deed is signed</p><p><strong>10 May 2026:</strong> Application charges taken</p><p><strong>On the 1st of the month from 1 June:</strong> Intermediate interest on amount used</p><p><strong>20 October 2027: </strong>Final part of the loan received</p><p><strong>1 November 2027:</strong> Repayment term begins</p><p><strong>1 December 2027: </strong>First monthly payment</p>"}}]},"hasMacro":false,"id":"26f29740-d41b-4c56-8e1e-7ddafd279e97","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Housing","url":"/en/individuals/my-life/housing"}},"componentType":"editorialHeader","coreHeader":{"subtitle":"Depending on your project – buying or building – you will start repaying your loan in different ways. Here's how it works","title":"When will I have to start repaying my loan?"},"date":"2026-09-21","readingTime":5},"publishDate":"2026-09-21T11:28:41.742+02:00"}}