{"type":"document","data":{"complementaryZone":{"flexComponents":[{"componentType":"linkList","iconTitle":{"title":"More information about your loan?"},"textLinks":[{"text":"Collection of the instalment amount","url":"/en/personal/loans/use-my-loan/your-loan-during-the-repayment-period"},{"text":"BKR-registration and your loan","url":"/en/personal/loans/use-my-loan/your-loan-during-the-repayment-period"},{"text":"Loan arrears","url":"/en/personal/collections/loan-arrears"},{"text":"Resolving payment arrears","url":"/en/personal/collections"},{"text":"Revolving Credit","url":"/en/personal/loans/our-loans/revolving-credit"},{"text":"Student Credit","url":"/en/personal/loans/use-my-loan/student-credit-repayment-and-termination"}]}]},"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Are you experiencing financial concerns about your loan? We’re here to help you prevent bigger problems. Discover what you can do.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Possible solutions"},{"componentType":"paragraph","richBody":{"value":"

If you are experiencing financial difficulties, we may be able to adjust your loan in different ways. For example, by:

To determine which option works best for you, we need some information about your personal and financial situation. The information required is listed below. Is the loan registered in two names? If so, please provide the information and supporting documents for both individuals.

You can email the information to Preventiedesk@ing.com. Please include the supporting documents as attachments to your email. These can be submitted as scanned copies, photos, or PDF files.

 

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Please note: For the interim review, it is important that you email us all information that applies to your situation, including both the details requested above and the supporting documents listed below. Some of the documents we ask you to provide may contain your Citizen Service Number (bsn). Before sending these documents to ING, please remove or conceal your bsn. This information is not required for the interim review.

If you need to scan a physical document, make sure to conceal your bsn before scanning it. If the document is digital, you can remove the bsn using Paint, Word, or the redaction tool in Adobe Acrobat Pro. Only send documents that do not contain your bsn, unless ING specifically requires you to provide a document that includes it.

Documents:

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1. Payslip / Benefit statement

Please attach a scan, photo, or PDF of your most recent payslip or benefits statement. Also indicate whether you have a permanent, temporary, or agency employment contract. Do you receive income more frequently than once a month? If so, please send us all payslips from the past month. If you are an agency worker and are paid weekly, please provide 12 recent weekly payslips.

If you do not currently have any income, you cannot provide proof of income, but please mention this in your email.

2. Housing situation and housing costs

  1. Indicate whether you own a home (mortgage) or pay rent.
  2. State your total housing costs.
  3. Specify what portion you pay and what portion is paid by your partner or housemate.
  4. If housing costs are debited from your ING account, provide the name of your mortgage lender or landlord.
  5. If housing costs are paid from another account, please send a copy of a digital bank statement showing the most recent mortgage or rent payment. Also provide the name of your mortgage lender or landlord.
  6. Do you receive rent allowance? Send a copy of a (digital) bank statement showing the most recent credit of the allowance.

3. Car expenses

4. Child or partner alimony

Send a (digital) bank statement showing your most recent alimony payment(s).

5. Child daycare costs

6. Loan without BKR-registration

Examples include a DUO student loan or a loan from family. Send a bank statement showing the most recent payment for these loans. Also state the outstanding balance and, for DUO loans, whether you are already repaying. If you are not yet repaying your DUO loan, also send an overview of your student debt (available at duo.nl).

7. Pension statement (for customers aged 58 or older)

If you are aged 58 or older, please provide a digital document showing your expected income after you reach the State Pension Age (AOW age). You can download this document from mijnpensioenoverzicht.nl.

 

Please attach the supporting documents to your email. These can be submitted as email messages, scans, photos, or PDF files.

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1. Proof of income

Attach a digital copy of your income tax return for the past two fiscal years.

2. Housing situation and housing costs

  1. Indicate whether you own a home (mortgage) or pay rent.
  2. State your total housing costs.
  3. Specify what portion you pay and what portion is paid by your partner or housemate.
  4. If housing costs are debited from your ING account, provide the name of your mortgage lender or landlord.
  5. If housing costs are paid from another account, please send a copy of a digital bank statement showing the most recent mortgage or rent payment. Also provide the name of your mortgage lender or landlord.
  6. Do you receive rent allowance? Send a copy of a (digital) bank statement showing the most recent credit of the allowance.

3. Car expenses

4. Child or partner alimony

Send a (digital) bank statement showing your most recent alimony payment(s).

5. Child daycare costs

6. Loan without BKR-registration

Examples include a DUO student loan or a loan from family. Send a bank statement showing the most recent payment for these loans. Also state the outstanding balance and, for DUO loans, whether you are already repaying. If you are not yet repaying your DUO loan, also send an overview of your student debt (available at duo.nl).

7. Pension statement (for customers aged 58 or older)

If you are aged 58 or older, please provide a digital document showing your expected income after you reach the State Pension Age (AOW age). You can download this document from mijnpensioenoverzicht.nl.

 

Please attach the supporting documents to your email. These can be submitted as email messages, scans, photos, or PDF files.

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If you already have a payment agreement with our collections department, go to ING Collections (My ING) and check the contact options available for you.

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You can download a copy of your universal pension overview from mijnpensioenoverzicht.nl. Unfortunately, we cannot process documents from individual providers.

How to download your pension overview:

  1. Go to mijnpensioenoverzicht.nl
  2. Log in with your DigiD
  3. Follow the steps shown
  4. At the end, select download your universal pension overview
  5. Save your pension overview as a PDF
"},"title":"How can I get a copy of my pension overview?"},{"richBody":{"value":"

Yes, you can send your information by post, but emailing is faster and allows us to contact you quickly if anything is missing.
If you prefer to send by post, use this address:

ING Preventiedesk
Antwoordnummer 40540
8900 SP Leeuwarden

(no stamp required)

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If your financial situation or the purpose of your loan changes, you are required under the terms and conditions of your ING loan to inform us. To find a suitable solution for your financial situation, we need this information from you.

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