ING will transfer the entire loan amount to the notary before the title deeds are signed. The notary will then immediately release these funds after the deeds are signed. If you opt for a private agreement with the bank, then the funds will only be released after that agreement is signed.
"}},{"componentType":"sectionTitle","title":"Are you building or renovating a home? You manage how much you receive and when"},{"componentType":"paragraph","richBody":{"value":""},"video":{"type":"video","originalUrl":"https://assets.ing.com/m/1f35cf18522cb94/original/CX_2025_Mortgage-reno-video.mp4","videoPreviewURLs":["https://assets.ing.com/asset/495fbf20-0aba-455d-b211-cdb8cbc0c5d5/480p/CX_2025_Mortgage-reno-video.mp4","https://assets.ing.com/asset/495fbf20-0aba-455d-b211-cdb8cbc0c5d5/1080p/CX_2025_Mortgage-reno-video.mp4","https://assets.ing.com/asset/495fbf20-0aba-455d-b211-cdb8cbc0c5d5/mp4/CX_2025_Mortgage-reno-video.mp4","https://assets.ing.com/asset/495fbf20-0aba-455d-b211-cdb8cbc0c5d5/720p/CX_2025_Mortgage-reno-video.mp4"],"thumbnails":{"mini":"https://assets.ing.com/m/1f35cf18522cb94/mini-CX_2025_Mortgage-reno-video.jpg","webimage":"https://assets.ing.com/m/1f35cf18522cb94/webimage-CX_2025_Mortgage-reno-video.jpg","thul":"https://assets.ing.com/m/1f35cf18522cb94/thul-CX_2025_Mortgage-reno-video.jpg"},"extension":["mp4"]}},{"componentType":"paragraph","richBody":{"value":"ING will release your funds in instalments after signing the notarised deeds or private agreement. You have up to 18 months to draw your capital in full. Until that time, you will only pay interest on the amount drawn during the first 6 months. From the 7th month onwards, you will also pay a small reservation provision on the unused balance. Once you have drawn the loan amount in full, you will start paying your full loan repayments including both capital and interest (re)payments.
Before releasing the first instalment of your loan, ING must receive a copy of your approved building permit application. Alternatively, you can submit a signed declaration confirming that your work does not require a building permit. For the following instalments, you can introduce your request via Home’Bank, and immediately upload your bills and documentary evidence. The corresponding amount will then be released within 3 working days.
A few conditions must be satisfied:
The standard deadline for the release of your funds is set contractually at 18 months for all mortgage loans. If your funds have not been drawn in full by the end of this period, it will automatically be extended for a 6-month period. You therefore have up to 24 months to use the entirety of your loan.
"}},{"componentType":"sectionTitle","title":"In short:"},{"componentType":"paragraph","richBody":{"value":"Don’t use Home'Bank? You can also send your invoices and other documents together with your completed request form by post. We will process your request within 3 working days after we receive your invoices.
"},"textLinks":[{"url":"/en/individuals/my-life/housing/real-estate-loans-glossary","text":"Not sure what one or more technical terms mean? Check the glossary for explanation!"}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Manage your mortgage loan","body":"You can ask to modify a contract, upload an invoice, and ask for a tax or base certificate online.","image":{"transformBaseUrl":"https://assets.ing.com/transform/d449edd5-3ca4-4a9c-86eb-a19aa31262ec/manage-loan-online-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/23b4bea9225ff9c9/original/manage-loan-online-1920.jpg","extension":"jpg"},"date":"2023-02-03","link":{"url":"/en/individuals/my-life/housing/manage-mortgage"}},{"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"}}]}]},"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. General conditions for ING loans are available from any ING branch and on www.ing.be.
ING Belgium S.A./nv – Bank / Lender – Registered office: Avenue Marnix 24, B-1000 Brussels
"}}]}}}