{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"As a bank, we can ask questions about your activities in the field of commercial real estate. We do this with the Client Profile Commercial Real Estate form (also known as the Real Estate Integrity Policy – ​​IBOG).","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What is commercial property?"},{"componentType":"paragraph","richBody":{"value":"<p>Commercial property is property that is not used for personal living, but for business or investment purposes.</p><p>This includes, for example:</p><ul><li>renting out shops, offices, or other business premises</li><li>renting out homes or apartments as part of a business or investment activity</li><li>developing property projects to sell or rent them out</li></ul>"}},{"componentType":"paragraph","richBody":{"value":"<ul><li>homes for personal use</li><li>homes that are rented out occasionally by private individuals, and not as part of a business or investment activity</li></ul><p>When renting out homes is part of a business or investment activity, they are considered commercial property.</p>"},"title":"What is usually not considered commercial property?"},{"componentType":"linkList","iconTitle":{"title":"Downloads"},"textLinks":[{"text":"Real Estate Code of Conduct and Integrity questionnaire (PDF)","url":"https://assets.ing.com/m/478f8e7629d47596/original/Real-Estate-Code-of-Conduct-and-Integrity-questionnaire.pdf"},{"text":"Real Estate Code of Conduct and Integrity questionnaire for Private Individuals (PDF)","url":"https://assets.ing.com/m/3873b0c156576e79/original/Real-Estate-Code-of-Conduct-and-Integrity-questionnaire-for-Private-Individuals.pdf"}]}]},"hasMacro":false,"id":"dd149d39-3d9f-4c50-81a1-f1aa9ff2911b","legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p><small class=\"footnote\">🛈 We offer the English information on ING.nl as an additional service. This information was translated from Dutch, and in case of any inconsistency, the original Dutch text shall prevail.</small></p>"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Know Your Customer (KYC)","url":"/en/business/customer-service/kyc"}},"componentType":"productHeader","coreHeader":{"body":"As a bank, we may ask you questions about activities related to commercial property. We do this to comply with laws and regulations.\r\n\r\nFor this reason, we may ask you to complete the Code of Conduct and Integrity Questionnaire for Commercial Property (in Dutch: Integriteitsbeleid Onroerend Goed – IBOG).\r\n\r\nAre you answering the questions on behalf of a company? Then choose the questionnaire for companies.\r\nAre you answering the questions for yourself? Then use the questionnaire for private individuals.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/42e66ba3fafaeda4/original/People-sitting-at-the-outdoor-tables-of-Hoxton-7-bar-in-Shoreditch-London-UK.jpg","transformBaseUrl":"https://assets.ing.com/transform/8003aeb9-5d0a-4c60-aed7-89ab351c22b1/People-sitting-at-the-outdoor-tables-of-Hoxton-7-bar-in-Shoreditch-London-UK","type":"image","width":799},"title":"Questions about commercial property"},"cta":{"componentType":"cta","textLink":{"text":"Questionnaire for Companies","url":"https://assets.ing.com/m/478f8e7629d47596/original/Real-Estate-Code-of-Conduct-and-Integrity-questionnaire.pdf"}},"secondaryCta":{"textLink":{"text":"Questionnaire for Private Individuals","url":"/en/business/customer-service/kyc/ibog-webform-indv"}}},"publishDate":"2026-04-24T14:53:10.876+02:00"}}