{"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":"<p>If you are experiencing financial difficulties, we may be able to adjust your loan in different ways. For example, by:</p><ul><li>Reducing your monthly payment</li><li>Converting your loan to a different loan type</li><li><span><span><span><span>Offering a short payment break.</span></span></span></span></li></ul><p><a rel=\"noopener noreferrer\" href=\"het-kan-iedereen-overkomen#https://www.ing.nl/en/personal/money-worries/it-can-happen-to-anyone\" target=\"_blank\">See</a> what you can do yourself.</p>"}},{"componentType":"applicationProcess","steps":{"stepList":[{"body":"You can do this by e-mail: financialhealthdesk@ing.com","textLink":{"text":"Or schedule a call me later","url":"/particulier/preventie/cml-coll-preventie"},"title":"Schedule an appointment with the Financial Health Desk"},{"body":"You’ll have one dedicated contact person who works with you to see what you need","title":"Have the conversation"},{"body":"During the conversation, you’ll discuss what the next step will be","title":"Agree on the next steps"}],"title":"How to start the conversation"}},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>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.</span></span></span></p>"},"textLinks":[{"text":"To ING Collections","url":"/en/personal/collections"}]}]},"hasMacro":false,"id":"9c62d4d8-048e-4473-90cf-adb255d4e071","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Borrowing money","url":"/en/personal/loans"}},"componentType":"productHeader","coreHeader":{"body":"Are you concerned about repaying your loan because, for example, you have lost your job or are going through a divorce? Or do you currently have less financial room to make your loan repayments, whether temporarily or otherwise? If so, we will work with you to find a solution that suits your situation.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/4468bf684163e400/original/992023140.jpg","publishedAt":"2018-02-21T16:20:12Z","transformBaseUrl":"https://assets.ing.com/transform/7786d23a-ffa0-4575-ad92-a72468bb6499/992023140","type":"image","updatedAt":"2022-10-18T14:28:43Z","width":2576},"title":"Stay in control of your money"}},"publishDate":"2026-10-29T14:51:15.889+01:00"}}