Before you take out a loan, it’s good to remember that borrowing money costs extra. You pay interest on the amount you borrow. Using savings is therefore always cheaper. It’s also wise to keep some financial room so you can handle changes during the period you’re repaying the loan.
"}},{"componentType":"sectionTitle","title":"Well‑informed from the start"},{"componentType":"paragraph","richBody":{"value":"If you decide to borrow money, you want to do so with confidence. Good information is essential. We make sure you understand the conditions and what a loan means for your personal situation. With the loan guide and an offer, you’ll know exactly in advance what costs to expect.
"},"textLinks":[{"url":"/en/personal/loans/what-does-borrowing-cost","text":"Discover what borrowing costs"}]},{"componentType":"sectionTitle","title":"Flexibility to make changes"},{"componentType":"paragraph","richBody":{"value":"Our terms give you the flexibility to adjust your loan when useful or necessary, such as extending your term or making extra repayments at any time without penalty. In addition, Personal Loans and Revolving Credit taken out before 1 July 2023 include a death risk coverage.
"},"textLinks":[{"url":"/particulier/lenen/informatie-over-lenen/wat-is-overlijdingsrisicodekking","text":"Read more about the death risk coverage"}]},{"componentType":"sectionTitle","title":"Responsible borrowing"},{"componentType":"paragraph","richBody":{"value":"Not everyone can take out a loan just like that. A loan must be responsible. That’s why we carry out several careful checks:
Even after your loan is approved, we’re here for you. We stay alert for signals that could indicate reduced financial room. We help you prevent problems by offering options such as:
Sometimes your personal or financial situation changes. It’s important to prevent your loan from becoming a burden. We’re happy to help you find a suitable solution.
"}},{"componentType":"paragraph","title":"Expecting payment difficulties?","richBody":{"value":"If you’re worried about your finances, we can look together for a suitable solution for your loan—for example lowering your credit amount or starting to reduce it earlier. We’re here to help.
"},"textLinks":[{"url":"/en/personal/loans/information-about-borrowing/help-with-payment-difficulties","text":"More information about support with payment problems"}]},{"componentType":"paragraph","title":"Take a financial test","richBody":{"value":"ING is a partner of the Dutch Debt Relief Route, which aims to prevent payment issues from growing into debt concerns. At Geldfit.nl you’ll find a free test that gives you insight into your financial situation. You’ll also receive personal, practical tips and find help in your area.
"},"textLinks":[{"url":"https://geldfit.nl/test/","text":"Go to Geldfit and take the free test"}]},{"componentType":"sectionTitle","title":"Which loan suits you?"},{"componentType":"paragraph","richBody":{"value":"You can choose between a Personal Loan or an Overdraft. Discover what fits you and your goals best. Or check directly how much you could borrow.
"},"textLinks":[{"url":"/en/personal/loans","text":"View our loans"},{"url":"/en/personal/loans/what-does-borrowing-cost","text":"Calculate what borrowing costs"}]},{"componentType":"linkList","iconTitle":{"title":"Loans"},"textLinks":[{"url":"/en/personal/loans/what-does-borrowing-cost","text":"What does borrowing cost?"},{"url":"/en/personal/loans/how-much-money-can-i-borrow","text":"How much can I borrow?"},{"url":"https://mijn.ing.nl/banking/loans/personal-loan-apply","text":"Apply for a loan"},{"url":"/en/personal/loans/rates","text":"Current interest rates"}]}]}}}