A mortgage guarantee is a contractual protection allowing the bank to recover the outstanding loan amount if you’re unable to repay it. There are two types of mortgage guarantee: a mortgage and a mortgage mandate. A combination of these two types of mortgage guarantees is also possible.
"}},{"componentType":"sectionTitle","title":"The standard mortgage"},{"componentType":"paragraph","richBody":{"value":"A mortgage is an official guarantee registered by a notary and linked to your property. This means
The mortgage mandate authorizes ING to register a mortgage at some point in the future if necessary. This can be done without your intervention, as you already gave your consent to it with the mortgage mandate.
This means
It is also possible to combine the mortgage and the mortgage mandate guarantee. Your ING Home advisor can provide more information on possibilities depending on your individual case.
"}},{"componentType":"sectionTitle","title":"Reusing your existing mortgage guarantee"},{"componentType":"paragraph","richBody":{"value":"Did you know that after your mortgage is repaid, the registration doesn’t disappear immediately?
More information here
"}},{"componentType":"sectionTitle","title":"Questions? Need help?"},{"componentType":"paragraph","richBody":{"value":"
Whether you prefer digital support or personal advice. ING is ready to assist you. Don’t hesitate to reach out. Find all contact options here.
"}}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Mortgage loan","intro":"Simulate your housing project.","image":{"transformBaseUrl":"https://assets.ing.com/transform/11200af0-4d4a-48cc-a7f0-bebd24c7b21a/Calculator_outline_orange_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/1f0f056525180f08/original/Calculator_outline_orange_RGB.png","extension":"png"},"link":{"url":"/en/individuals/borrowing/mortgage-loan-simulation"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Your loan in 5 steps","body":"Follow the application process for a mortgage loan","image":{"transformBaseUrl":"https://assets.ing.com/transform/8e9057f8-391a-4f34-91d9-78df7a17ea42/mortgage-process-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/7271d404e12585aa/original/mortgage-process-1920.jpg","extension":"jpg"},"date":"2023-03-01","link":{"url":"/en/individuals/my-life/housing/mortgage-application-process"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Are there extra costs?","body":"Here’s the list","image":{"transformBaseUrl":"https://assets.ing.com/transform/88a91dee-a769-4764-af95-3281b0d9659d/costs-of-buying-or-building-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/3ccaca87ee002516/original/costs-of-buying-or-building-1920.jpg","extension":"jpg"},"date":"2019-03-19","link":{"url":"/en/individuals/my-life/housing/building-buying-costs"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Discover our partner offer for renovation","intro":"Discounts on heat pumps, home batteries, free solar panels and more!","image":{"transformBaseUrl":"https://assets.ing.com/transform/aada17bb-f1ff-4f3d-a07d-0544141beb83/cars-on-street-against-sky","type":"image","width":4883,"original":"https://assets.ing.com/m/7410d91fea92bc64/original/cars-on-street-against-sky.jpg","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/home/renovation-partner-offer"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal information"},{"componentType":"paragraph","richBody":{"value":"The ING Mortgage Loan, the ING Bridging Loan and the Mortgage loan combined 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.
Your application and any approval of your application by ING Belgium (after examination of your file by ING Belgium) in-branch or via the ‘Mortgage Loans Online’ service at ing.be are not binding for ING Belgium or you until you’ve signed the credit offer at your ING branch (or, in the case of an online application, at home) and returned it to ING. (subject to prior approval of your file by ING). Before this, we’ll look at whether the data disclosed in your application are correct and complete based on, for example, the supporting documents that have been or will be supplied).
General conditions for ING loans are available from any ING branch and on ing.be.
ING Belgium NV/SA – Bank/Lender – Marnixlaan/Avenue Marnix 24, B-1000 Brussels – RLP Brussels – VAT: BE 0403.200.393 - BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789
"}}]}}}