Are you going to renovate your commercial property? You may want to invest in your own solar energy system, but you still have doubts. Is the return sufficient? Isn't the risk too great? Then the lower interest rate with a Green loan could be that final push. All investments with a positive effect on nature and the environment are eligible for a Green loan.
"}},{"componentType":"paragraph","title":"Features","richBody":{"value":"Customers who invest or save 'green' with us are satisfied with lower interest rates. They can benefit from tax benefits. Thanks to them, we can help you with a sustainable investment. The government encourages sustainable investments. If your project has a Green Declaration, we will give a discount on the interest. The experts will apply for this statement for you when we have received your financing application.
"}},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"If the regulation for green projects ends, your beneficial interest rate may be affected. Would you first like to obtain advice about the possibilities of a Green loan? Our experts will look at your goals and how we can achieve them - sustainably.
"},"textLinks":[{"url":"https://www.ing.nl/zakelijk/duurzaam-ondernemen/afspraak-maken?flow-step=investment-introduction","text":"Request a consultation"}]},{"componentType":"sectionTitle","title":"For whom?"},{"componentType":"paragraph","richBody":{"value":"A Green loan is for you if you are or want to become a sustainable entrepreneur. If you want to invest in a project that is good for nature and the environment. Because that suits your company or strategy.
"}},{"componentType":"paragraph","title":"Furthermore, it is no problem for you if you:","richBody":{"value":"Are you unsure whether your investment is suitable for a Green loan? We are happy to help you find the best financing solution.
"}},{"componentType":"sectionTitle","title":"Calculation examples"},{"componentType":"paragraph","richBody":{"value":"If you take out a Green loan, you pay the costs of taking out the financing (closing commission). You also pay interest and repay the borrowed amount in equal parts.
"},"textLinks":[{"url":"/zakelijk/financieren/zakelijke-lening/tarieven","text":"View the rates page for the recent interest rates."}]},{"componentType":"paragraph","title":"Suppose that:","richBody":{"value":"On July 1st, you take out a Green loan of €75,000 with a term of 5 years. You will repay every quarter. The regular bank interest rate is 4.18% per year. The discount due to the green certificate received is on average 0.50%. The interest payable for the green loan in this calculation example is 3.68% per year. The closing commission is 0.50%.
"}},{"componentType":"accordion","accordionList":[{"title":"Example calculation: closing commission","richBody":{"value":"The closing commission is 0.5% of the amount you borrow (principal sum).
0.5% * €75,000 = €375
Important: the percentages mentioned are examples.
"}},{"title":"Example calculation: debit interest payable per quarter","richBody":{"value":"You pay interest for the first time on October 1st. For the interest calculation we use the exact number of days in the month and calculate with 360 days in a year.
From July 1st to October 1st you pay interest - normal banking:
| Month | Calculation | Total |
|---|---|---|
| July | 31 / 360 * 4,18% * € 75.000 | € 269,96. |
| August | 31 / 360 * 4,18% * € 75.000 | € 269,96 |
| September | 30 / 360 * 4,18% * € 75.000 | € 261,25 |
| Total per quarter | € 801,17 |
From July 1st to October 1st you pay interest - Green loan:
| Month | Calculation | Total |
|---|---|---|
| July | 31 / 360 * 3,68% * € 75.000 | € 237,67 |
| August | 31 / 360 * 3,68% * € 75.000 | € 237,67 |
| September | 30 / 360 * 3,68% * € 75.000 | € 230,00 |
| Total per quarter | € 705,34 |
Over the term of the financing in this calculation example, you will save €937.50 (€37,500 (= average outstanding balance) x 0.50% x 5 years)
Important: the percentages mentioned are examples.
"}},{"title":"Example calculation: amount to be repaid per quarter","richBody":{"value":"You repay the loan in 20 installments (5 years X 4 quarters)
Per quarter that is € 75,000 / 20 = € 3,750.
Important: the percentages mentioned are examples.
"}}]},{"componentType":"sectionTitle","title":"Conditions"},{"componentType":"paragraph","richBody":{"value":"If you take out a Green loan, it is important that you know where you stand. In the quotation you can read which conditions apply to your company. Such as that we can request a mortgage on the collateral. In addition, the conditions below apply to everyone who takes out a Green loan. For example, you read that we may adjust the interest rate. We will do this if the government decides to abolish the tax benefit.
"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"What does ING pay attention to in my application?","richBody":{"value":"Your company
Your project
You cannot apply for a Green Declaration yourself, but we are happy to arrange that for you. A Green Declaration can only be applied for by an officially recognized Green Bank or by a Green Fund.
"}},{"title":"How long does it take to get a Green Declaration?","richBody":{"value":"In most cases, this takes approximately eight weeks from the moment the application is completely submitted. In some cases it takes longer. Feel free to call us, your advisor can tell you more about this.
"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Find out more","intro":"Learn more about financing your sustainable plans.","image":{"transformBaseUrl":"https://assets.ing.com/transform/c0ab8ecd-f7c5-4d9b-b501-3d5bd55940a7/Close-up-of-man-holding-smartphone-in-car","type":"image","width":6000,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/5bed6ae26ec23c8/original/Close-up-of-man-holding-smartphone-in-car.jpg","extension":"jpg"},"link":{"url":"https://www.ing.nl/zakelijk/duurzaam-ondernemen/afspraak-maken?flow-step=investment-introduction"}}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"ING & sustainability","richBody":{"value":"Society is in transition to an economy with low CO2 emissions. This applies to both our customers and ING. We finance many sustainable activities, but we still finance more that are not. See the progress we are making at ing.com/climate.
"}}]}}}