How are interest rates determined?
The interest you're charged is based on:
Other fees and charges may also apply.
Monthly repayments differ from business to business, and as such may vary siginificantly.
Calculate your monthly repayment
Want to know how much interest you'd be paying? Find out how much your total monthly repayment — interest rate included — would be in under one minute.
All listed interest rates and additional fees apply to new loan agreements from %{prijs.zkv:ingangsdatum.dmmmmjjjj}%. The mentioned rates, charges, and fees are subject to change.
"}},{"componentType":"sectionTitle","title":"Business loan rates"},{"componentType":"paragraph","richBody":{"value":"Also known as a business mortgage (Zakelijke Hypotheek), this product comes with a fixed interest rate. The rate is based on:
Because the above may vary greatly per business, so can the rates. That’s why you'll only find the minimum and maximum interest rates here. Your actual rate will probably fall somewhere in between.
| Fixed-rate period | Minimum rate | Maximum rate |
|---|---|---|
| 1–10 years | %{prijs.zkv:toc.rtv.minimum.perc}% | %{prijs.zkv:toc.rtv.maximum.perc}% |
These rates apply to new quotes and interest changes for existing loans issued from %{prijs.zkv:ingangsdatum.dmmmmjjjj}%. Rates exclude any potential discounts such as EIB or TLTRO.
Curious about your interest rate?
Get an indication of your monthly payment — interest included — in one minute.
Also known as a credit facility, business overdraft comes with a variable interest rate. You'll only pay interest on the money you borrow. The rate consist of:
You'll pay a commitment fee over the money you don't borrow.
Because overdraft limits may vary greatly per business, the rates can too. That’s why we've only listed the minimum and maximum interest rates. Your actual rate will probably fall somewhere in between.
| Component | Minimum rate | Maximum |
|---|---|---|
| Variable interest | %{prijs.zkv:toc.irck.min.perc}% | %{prijs.zkv:toc.irck.max.perc}% |
| Commitment fee | %{prijs.zkv:toc.irck.bereidstellingsprovisie.min.perc}% | %{prijs.zkv:toc.irck.bereidstellingsprovisie.max.perc}% |
These rates apply to new quotes and interest changes for existing business overdrafts issued from %{prijs.zkv:ingangsdatum.dmmmmjjjj}%.
Curious about your interest rate?
Get an indication of your monthly payment — interest included — in one minute.
Business overdrafts come with a variable interest rate. This variable rate is made up of:
The one-month Euribor rate, set on the last business day of the previous month.
The one-month Euribor
for %{prijs.zkv:periode.mmmmjjjj}% is
%{prijs.alg:euribor.1mnd.vorigemaand.perc}% per year
(set on %{prijs.alg:euribor.1mnd.vorigemaand.vaststeldatum.dmjjjj}%)
The administrator of the one-month Euribor reference rate is the European Money Markets Institute (EMMI).
Business overdraft market surcharge
A surcharge for the cost of raising funds to provide the credit. This surcharge is higher than EURIBOR, and applies to all customers with a business overdraft. ING determines this surcharge each month.
For %{prijs.zkv:periode.mmmmjjjj}%, the business overdraft market surcharge is %{prijs.zkv:irck.markttoeslag.perc}% per year.
Customer surcharge
Before your business overdraft is activated, you must agree upon a customer surcharge. This surcharge is reviewed annually. How much it is depens on:
The customer surcharge may vary significantly per individual loan.
If there are any changes to the customer surcharge and/or commitment fee, we'll let you know at least two weeks before the new surcharge will take effect.
A variable interest rate means that your business overdraft interest rate can change each month.
That means the amount of interest you pay can quickly rise or fall. You must always be able to make your interest payments, even if the rates rise significantly.
Business overdraft – annual rates
| Component | Minimum rate | Maximum |
|---|---|---|
| Variable interest rate | %{prijs.zkv:toc.irck.min.perc}% | %{prijs.zkv:toc.irck.max.perc}% |
| Commitment fee | %{prijs.zkv:toc.irck.bereidstellingsprovisie.min.perc}% | %{prijs.zkv:toc.irck.bereidstellingsprovisie.max.perc}% |
These rates apply to new quotes and interest changes for existing business overdrafts issued from %{prijs.zkv:ingangsdatum.dmmmmjjjj}%.
"}}]},{"componentType":"sectionTitle","title":"Closing fee and handling fee"},{"componentType":"paragraph","richBody":{"value":"Closing fee
When you take out a business overdraft or increase your borrowing limit, you'll pay a one-off closing fee of at least %{prijs.zkv:afsluitprovisie.normaal.perc}% of the limit (increase), with a minimum of %{prijs.zkv:afsluitprovisie.normaal.minimum.eur}%.
Handling fee
If you'd like to make changes to the agreement, you'll pay a handling fee. This fees covers the administrative costs. The handling fee is based on how long it takes to process your request (at least %{prijs.zkv:wijzigingskosten.eur}%).
| EURIBOR | Rate |
|---|---|
| 1 month | %{prijs.zkv:EIB1F.rate.perc}% |
| 3 months | %{prijs.zkv:EIB3F.rate.perc}% |
| 6 months | %{prijs.zkv:EIB6F.rate.perc}% |
| 12 months | %{prijs.zkv:EI12F.rate.perc}% |
| These are the EURIBOR rates set on %{prijs.zkv:EURIBOR.datum.dmjjjj}% by the European Money Markets Institute (EMMI), the European Money Markets Institute (EMMI). |
We no longer offer products with interest rates based on the ING base rate.
| Rate | |
|---|---|
| ING base rate | %{prijs.zkv:basisrente.perc}% |
| Rate per %{prijs.zkv:basisrente.ingangsdatum.dmmmmjjjj}%. |
Can't find your finance product here? Or did you take out a loan before %{prijs.zkv:ingangsdatum.dmmmmjjjj}%? Please contact customer service.
"}},{"componentType":"paragraph","richBody":{"value":"We do our best to make sure the content on our website, www.ing.nl, is correct. Despite our best efforts, the listed rates may contain typographical errors. ING cannot be held liable for any direct or indirect damage that may result from such errors.
"}}]}}}