{"type":"document","data":{"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"png","original":"https://assets.ing.com/m/1f0f056525180f08/original/Calculator_outline_orange_RGB.png","transformBaseUrl":"https://assets.ing.com/transform/11200af0-4d4a-48cc-a7f0-bebd24c7b21a/Calculator_outline_orange_RGB","type":"image","width":267},"intro":"Simulate your housing project.","link":{"url":"/en/individuals/borrowing/mortgage-loan-simulation"},"title":"Mortgage loan"},{"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","transformBaseUrl":"https://assets.ing.com/transform/8e9057f8-391a-4f34-91d9-78df7a17ea42/mortgage-process-1920","type":"image","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/5692580032446261/original/Mortgages-YOUNG-MAN-IN-MID-AIR.JPG","transformBaseUrl":"https://assets.ing.com/transform/5b4a8617-83c9-4a7a-a5e3-73bdcee66986/Mortgages-YOUNG-MAN-IN-MID-AIR","type":"image","width":4766},"intro":"To buy / build or renovate your home (For renovations >25.000€).","link":{"url":"/en/individuals/borrowing/mortgage-loan"},"title":"Mortgage loan"}],"componentType":"cards"}]},"contentType":"onecms:editorialPage","flexPageMetadata":{"afmBanner":false,"description":"After signing the sales agreement, you commit to purchasing your home. The deed will follow after 4 months. Read all about it.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"The sales agreement"},{"componentType":"paragraph","richBody":{"value":"<p>After your offer has been accepted, you usually sign a preliminary sales agreement. This is a very important document, as it <strong>obliges you to purchase</strong> the property. It also obliges the seller to sell the property, even if he or she receives a higher offer in the meantime.</p><p>The purchase agreement should contain the following information:</p><ul><li>The identity and capacity of the buyer(s) and seller(s). Are you buying the property together with someone else? Be sure to specify the proportions (e.g. you will pay 30% of the property and your partner 70%).</li><li>A clear description of the property, the condition and surface area of the property, and any <a href=\"https://www.ing.be/en/retail/my-life/housing/glossary#S\">easements</a>.</li><li>The price, the down payment (usually 10% of the purchase price), payment options and any damage.</li><li>The date of signature and the latest date by which the title deeds should be signed via the notary.</li><li>Any rental conditions in the event the property is rented out.</li><li>Any caveat clauses or conditions, e.g. for obtaining a building permit or a loan for a certain amount within a certain period. The sale cannot go ahead until all conditions are met.</li><li>Agreements about <a href=\"https://www.ing.be/en/retail/insurances/home/home-insurance-for-owners\">home insurance</a> so that the property is insured between the date of signing the purchase agreement and that of executing the deeds.</li></ul><p>Always ask your notary for advice before signing any sales agreement or title deeds.</p>"}},{"componentType":"sectionTitle","title":"The title deeds"},{"componentType":"paragraph","richBody":{"value":"<p>Within four months of signing the <a href=\"https://www.ing.be/en/retail/my-life/housing/glossary#C\">sales agreement</a>, you will need to go to the notary to the <a href=\"https://www.ing.be/en/retail/my-life/housing/glossary#N\">title deeds</a>. In some cases, this can be done sooner. However, the notary needs enough time to prepare all the required documents and carry out the necessary research.</p><p>Always ask your notary for advice before signing any sales agreement or title deeds.</p>"}}]},"hasMacro":false,"id":"43109b42-7fbf-436e-9eff-98e386ecbe1e","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal information"},{"componentType":"paragraph","richBody":{"value":"<p>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. General conditions for ING loans are available from any ING branch and on www.ing.be.</p><p>ING Belgium S.A./nv – Bank / Lender – Registered office: Avenue Marnix 24, B-1000 Brussels</p>"}}]},"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/c70637c3-08c4-48fd-8c7c-2a75038083e6/Large_Web-and-Screen-Two-happy-people-laughs-and-sits-at-a-table-during-a-meeting.jpg","transformBaseUrl":"https://assets.ing.com/transform/c70637c3-08c4-48fd-8c7c-2a75038083e6/Large_Web-and-Screen-Two-happy-people-laughs-and-sits-at-a-table-during-a-meeting","type":"image","width":1920},"subtitle":"You have found the property of your dreams and have agreed on the price and conditions with the seller. Now you enter into a sales agreement.","title":"Signing the sales agreement and the notarial deed"},"date":"2026-05-19","readingTime":5},"publishDate":"2026-05-19T09:03:11.206+02:00"}}