A sustainability loan is a loan used to make your home more energy-efficient. You use the borrowed money for sustainable improvements such as solar panels, HR++ glass, a heat pump, or insulation for walls, pipes, or your roof.
At ING, we also refer to this as an energy-saving renovation loan or a personal loan for energy-efficient home improvements.
"},"textLinks":[{"text":"View Personal Loan for energy-saving renovations","url":"/en/personal/loans/your-goals/energy-saving-renovation"}]},{"componentType":"sectionTitle","title":"Lower interest at ING when you make your home more sustainable"},{"componentType":"paragraph","richBody":{"value":"Upgrading your home has important benefits: it’s better for the climate, often improves your living comfort, and can help you save energy.
Did you know you can get an interest discount if you share the invoices for your energy-saving measures with us within 6 months after we deposit your loan amount?
"},"textLinks":[{"text":"See how the interest discount works","url":"/en/personal/loans/your-goals/energy-saving-renovation"}]},{"componentType":"sectionTitle","title":"Instant insight: your potential energy savings"},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","intro":"Find out how to finance solar panels and check the indicative price for 10 panels","link":{"url":"/en/personal/loans/your-goals/financing-solar-panels"},"title":"Solar panel loan"},{"cardSize":"small","cardType":"product","componentType":"productCard","intro":"See how to finance a heat pump and how subsidies work","link":{"url":"/en/personal/loans/your-goals/finance-a-heat-pump"},"title":"Heat pump loan"},{"cardSize":"small","cardType":"product","componentType":"productCard","intro":"Find out how to finance measures such as wall insulation and how subsidies work","link":{"url":"/en/personal/loans/your-goals/finance-home-insulation"},"title":"Insulation loan"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"What does borrowing for energy-saving renovations cost?"},{"componentType":"paragraph","richBody":{"value":"Tip: if you’re considering a sustainability loan, explore your monthly costs below by selecting different loan amounts and terms.
And… don’t forget to apply for any available subsidies. Any financial support you can receive from the government is a great bonus.
"}},{"componentType":"feature","featureName":"ing-feat-loans-calc?__align=full-width"},{"componentType":"sectionTitle","title":"What about the SVn Sustainability Loan?"},{"componentType":"paragraph","richBody":{"value":"You may have heard about the Sustainability Loan from the Dutch Municipal Housing Fund (SVn). This allows you to borrow money under favourable conditions to make your home more sustainable.
Good to know:
"}},{"componentType":"sectionTitle","title":"Discover what suits you best"},{"componentType":"paragraph","richBody":{"value":"
Request a quote to see what is possible for your situation. Think about your desired loan amount, available terms, and exactly what your monthly costs will be.
You’re not committed to anything yet.
"},"textLinks":[{"text":"How to apply","url":"/en/personal/loans/your-goals/energy-saving-renovation"}]},{"componentType":"sectionTitle","title":"Financing energy-saving measures via your mortgage"},{"componentType":"paragraph","richBody":{"value":"You can also finance energy-saving renovations by increasing your existing mortgage or taking out an additional mortgage.
Good to know:
Some municipalities offer the SVn Sustainability Loan. There is also the Energy Saver Loan from the National Heat Fund, a partnership between the Dutch government and several banks, including ING
At ING, you can take out a Personal Loan for energy-saving renovations
"},"title":"What types of loans are available for energy-saving measures?"},{"richBody":{"value":"For certain sustainability measures, you can apply for subsidies. These may be national or local (municipal). The good news is that you can combine multiple subsidies.
"},"textLinks":[{"text":"Check available subsidies per measure","url":"/en/personal/mortgage/sustainable-living/government-subsidies"}],"title":"How do subsidies for energy-saving measures work?"}],"componentType":"accordion"},{"componentType":"linkList","iconTitle":{"title":"Want to know more about borrowing money?"},"textLinks":[{"text":"How much can I borrow?","url":"/en/personal/loans/how-much-money-can-i-borrow"},{"text":"Overdraft","url":"/en/personal/loans/our-loans/overdraft"},{"text":"Borrowing money cost","url":"/en/personal/loans/what-does-borrowing-cost"},{"text":"Borrowing money","url":"/en/personal/loans"},{"text":"Borrowing and the BKR","url":"/en/personal/loans/information-about-borrowing/bkr"},{"text":"Revolving credit (Dutch only)","url":"/particulier/lenen/onze-leningen/doorlopend-krediet"},{"text":"Borrow money for a car","url":"/en/personal/loans/your-goals/car-loan"},{"text":"Sustainability loan","url":"/en/personal/loans/your-goals/energy-saving-renovation"}]}]},"hasMacro":false,"id":"ff308bae-119f-4faa-95d6-113fa94c023f","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Borrowing money","url":"/en/personal/loans"}},"componentType":"productHeader","coreHeader":{"body":"Do you want to borrow money to make your home more sustainable? For example, for solar panels, insulation, or a heat pump? We’re happy to explain how you can finance this with a sustainability loan.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/6f931b9cbc56c9ab/original/Two-man-workers-install-solar-panels-on-the-roof-tiles-of-a-house.jpg","transformBaseUrl":"https://assets.ing.com/transform/bfa0ed39-7704-4976-a590-563a94b5c106/Two-man-workers-install-solar-panels-on-the-roof-tiles-of-a-house","type":"image","width":1200},"subtitle":"For energy-saving measures","title":"Sustainability loan"},"legalBanner":{"body":"Let op! Geld lenen kost geld","componentStyle":"default","headerBannerType":"headerBannerType","image":{"extension":"svg","original":"https://assets.ing.com/m/3f5c0b274ee863ed/original/Group-7.svg","transformBaseUrl":"https://assets.ing.com/transform/bfc47636-d002-461a-b209-589beaaa7596/Group-7","type":"image","width":46}}},"publishDate":"2026-05-07T09:54:07.373+02:00"}}