{"type":"document","data":{"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’re experiencing financial stress, we can adjust your loan in several ways, such as:

To determine which option works best for you, we need some information about your personal and financial situation. If your loan is in two names, please send the details and supporting documents for both people.

Email your details to Preventiedesk@ing.com. Attach the supporting documents as a scan, photo, or PDF file.

 

"}},{"componentType":"sectionTitle"},{"componentType":"paragraph","richBody":{"value":"

Important: For the interim check, make sure you send all applicable details and supporting documents. Some documents may include your Citizen Service Number (BSN). Please remove or hide your BSN before sending the document to ING. We do not need your BSN for this check.

If scanning a physical document, hide the BSN before scanning. If the document is digital, remove the BSN using Paint, Word, or the redact tool in Adobe Acrobat Pro. Only send documents without BSN unless ING specifically requires a document that includes it.

Documents:

"},"title":"What we always need to know:"},{"accordionList":[{"richBody":{"value":"

1. Payslip / Benefit statement.

Attach your most recent payslip or benefit statement. Also indicate whether you have a permanent, temporary, or agency contract. Do you receive income more than once a month? Send all payslips for the past month. Are you an agency worker and paid weekly? Send 12 recent weekly payslips. If you have no 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, send a copy of a digital bank statement showing the most recent rent or mortgage payment, and include the lender or landlord’s name.
  6. Do you receive rent allowance? Send a copy of a bank statement showing the most recent credit of the allowance.

3. Car expenses.

4. Child or partner alimony.

Send a bank statement showing the 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. Pensioenoverzicht (bij 58 jaar of ouder).

If you are 58 or older, send a digital document showing your income after reaching AOW age.
You can download this from mijnpensioenoverzicht.nl.

Attach the supporting documents to your message. You can send them as an email attachment, scan, photo, or PDF file.

"},"title":"Documents when you are employed or when you have an unemployment benefit"},{"richBody":{"value":"

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.

3. Car expenses.

4. Child or partner alimony.

Send a bank statement showing the 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. Pensioenoverzicht (bij 58 jaar of ouder).

If you are 58 or older, send a digital document showing your income after reaching AOW age.
You can download this from mijnpensioenoverzicht.nl.

Attach the supporting documents to your message. You can send them as an email attachment, scan, photo, or PDF file.

"},"title":"Documents when you are self-employed"}],"componentType":"accordion"},{"componentType":"paragraph","richBody":{"value":"

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 to obtain a copy of my universal pension overiew?"},{"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

(een postzegel is niet nodig).

"},"title":"I don’t have an email account. Can I also send the details via post?"},{"richBody":{"value":"

If your financial situation or spending purpose changes, you are required by the terms of your ING loan to inform us. We need this information to find a suitable solution for your situation.

"},"title":"Am I obliged to send all information?"},{"richBody":{"value":"

If you have a loan, it is registered with the Credit Registration Bureau (BKR) as a positive registration. If anything changes in your loan, we will report it to BKR. An adjustment will not necessarily result in a negative registration.

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