{"type":"document","data":{"id":"694c1249-fe4d-4af1-b444-38fd23ed2f8d","localeString":"en-GB","publishDate":"2026-04-24T13:17:41.759+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"For example, if you are getting divorced, earning less income, or your partner passes away, you can find information here."},"mainHeaderZone":{"componentType":"productHeader","legalBanner":{"image":{"transformBaseUrl":"https://assets.ing.com/transform/bfc47636-d002-461a-b209-589beaaa7596/Group-7","type":"image","width":46,"original":"https://assets.ing.com/m/3f5c0b274ee863ed/original/Group-7.svg","extension":"svg"},"body":"Let op! Geld lenen kost geld","headerBannerType":"headerBannerType","componentStyle":"default"},"coreHeader":{"body":"Some changes can make it difficult to repay your loan. For example, you may be getting divorced, earning less income, or your partner may pass away.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/ad2cb496-9a84-498f-9147-f36ede5035e0/divorce-questions-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/707623481dd16cc8/original/divorce-questions-1920.jpg","extension":"jpg"},"title":"If your personal situation changes"},"backLink":{"textLink":{"url":"/en/personal/loans","text":"Borrowing money"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Divorce"},{"componentType":"paragraph","richBody":{"value":"<p>If you have a joint loan and you separate, there are four options for the loan:</p><ol><li><p>End the loan<br />First, fully repay the loan. After that, you can end the loan in My ING.</p></li><li><p>Continue the loan<br />You can also let the loan continue. The loan will remain in both of your names. We will continue to debit the monthly amount from the current account linked to this loan. This account therefore cannot be closed or changed.</p></li><li><p>Take over the loan<br />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.</p></li><li><p>Split the loan<br />Do you want to split the loan? Please contact our customer service and inform us of the desired division of the debt. We will need information about your financial situation. If the split is feasible, we will open a new Personal Loan for each of you. These new loans will repay and close the existing loan.</p></li></ol>"}},{"componentType":"sectionTitle","title":"Lower income"},{"componentType":"paragraph","richBody":{"value":"<p>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:</p><ul><li>lowering your monthly payment</li><li>converting your loan</li><li>arranging a short payment break</li></ul><p>To determine which solution suits you best, we need information about your personal and financial situation. <a data-type=\"internal\" href=\"/en/personal/loans/information-about-borrowing/help-with-payment-difficulties\">Read more about help with payment problems</a></p>"}},{"componentType":"sectionTitle","title":"Death"},{"componentType":"paragraph","richBody":{"value":"<p>If you applied for the loan before 1 July 2023, the outstanding debt is, in many cases, written off when the first contract holder passes away.<br />If the loan was applied for later, or if the second contract holder has passed away, please contact us so we can look for a suitable solution together. We will need information about your personal and financial situation. <a data-type=\"internal\" href=\"/en/personal/loans/information-about-borrowing/help-with-payment-difficulties\">Read more about help with payment problems</a></p>"}}]},"complementaryZone":{"flexComponents":[{"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"}]}]}}}