{"type":"document","data":{"id":"da41bfa9-fa58-4262-93a7-c1b6ce7f6473","localeString":"en-GB","publishDate":"2026-02-10T16:49:56.454+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Wat komt er allemaal kijken bij het hebben van een lening? Hoe wordt je maandbedrag bepaald, een registratie bij BKR en hoe berekenen we de rente","taxonomies":{"productTaxonomy":{"taxonomyKeys":["products","loans-personal"],"taxonomyType":"productTaxonomyContainer"}}},"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":"Below you can read, for example, how the interest you pay is calculated and how your monthly instalment is determined.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/fe2f063f-dd94-49fb-adf2-9e65e4440b84/Large_MS-PPT_Web-Friends-trying-on-hats-and-clothing-in-a-thrift-store","type":"image","width":1920,"original":"https://assets.ing.com/m/2fd997cb091520c0/original/Large_MS-PPT_Web-Friends-trying-on-hats-and-clothing-in-a-thrift-store.jpg","extension":"jpg"},"title":"How a loan works"},"backLink":{"textLink":{"url":"/en/personal/loans","text":"Borrowing money"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Interest calculation"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>The interest rate on your loan depends on the loan amount, your loan purpose and your personal situation. When you take out your loan, the interest rate is fixed. This rate stays the same for the entire loan term. Interest is the cost you pay for using your loan. Every month, interest is calculated on the outstanding balance of your loan.</span></span></span></p><p> </p>"},"textLinks":[{"url":"/en/personal/loans/rates/personal-loan","text":"View the current interest rates of our loans"}]},{"componentType":"sectionTitle","title":"Monthly instalment"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>When you have a loan, you pay a monthly instalment amount. This amount consists of a part repayment and a part interest. The repayment part lowers your debt, and the interest is the cost you pay for the loan.</span></span></span></p><p><span><span><span>For example, you have a loan with a debt of € 1.000. Your monthly instalment is € 200. The interest charged after one month is € 10. That is the interest part. The repayment part for that month is € 190. After paying the instalment amount, your debt becomes € 810 (€ 1.000 minus € 190).</span></span></span></p><p><span><span><span>The proportion between the repayment amount and the interest amount within each instalment is different every month. Because with each repayment your debt becomes smaller. As a result, interest is calculated each month on a lower amount and therefore decreases. The lower your debt becomes, the smaller the interest part and the larger the repayment part.</span></span></span></p>"}},{"componentType":"sectionTitle","title":"BKR registration"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>A personal loan and a revolving credit are always registered with the Credit Registration Office (BKR). This is a positive registration. It only becomes a negative registration when payment problems arise. A personal loan is always registered for the full loan amount including interest. This is therefore a higher amount than the loan you applied for. A revolving credit is always registered for the agreed credit limit.</span></span></span></p>"},"textLinks":[{"url":"/en/personal/loans/information-about-borrowing/bkr","text":"Borrowing money and BKR: with or without registration?"}]}]},"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"}]}]}}}