{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"For example, if you are getting divorced, earning less income, or your partner passes away, you can find information here.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Divorce"},{"componentType":"paragraph","richBody":{"value":"

If you have a joint loan and your relationship ends, there are four options for the loan:

  1. Repay and close the loan
    First, fully repay the loan. After that, you can end the loan in My ING.

  2. Keep the loan as it is
    You can also choose to keep the loan in place. In that case, the loan will remain in both of your names. We will continue to collect the monthly payment from the linked current account. As a result, this account cannot be closed or changed.

  3. Take over the loan
    One of you can take over the loan. You can arrange this in My ING via “Extra borrowing”. If we determine that the applicant can afford the loan financially, we will open a new loan and use it to repay the existing one. The joint loan will then be ended.

  4. Split the loan
    Would you like to split the loan? If so, please contact us. We will then send you a secure email via Zivver. Zivver is a secure way to exchange confidential information and documents. In this email, we will explain exactly which documents and information we need from you. You can then safely send us the requested documents by replying to the email. If the split is approved, we will open a new Personal Loan for each of you. These new loans will be used to repay and close the existing loan.

     

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Do you have a (temporary) lower income and is it difficult to pay your monthly loan instalment? Then we can adjust your loan in several ways, for example by:

To determine which solution suits you best, we need information about your personal and financial situation. On the Help with payment difficulties page, you can find information about the documents and details we need from you.

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Do you expect payment difficulties as a result of the death of the co-borrower? On the page Prevent money worries, we explain what you can do yourself and how we may be able to help.

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