{"type":"document","data":{"id":"adcfafd1-315b-4e92-ad10-f8aa6d7b97de","localeString":"en-GB","publishDate":"2026-04-24T13:16:51.024+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"What happens to the outstanding Personal Loan after the death of a contract holder? On this page you can read more about death risk cover."},"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":"The outstanding debt at the time of death does not have to be repaid if the first contract holder is under the age of 80 on the date of death and the date of death is at least 6 months after the contract start date. You can find who the first contract holder is on the contract.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/a5e95fbf-3ef8-479e-a9cc-39bc40b013da/Close-up-of-yellow-flowers","type":"image","width":4032,"altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/54d8fa7336c338ca/original/Close-up-of-yellow-flowers.jpg","extension":"jpg"},"title":"Debt waiver upon death of the first contract holder for loans taken out before 1 July 2023"},"backLink":{"textLink":{"url":"/en/personal/loans","text":"Borrowing money"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What is excluded?"},{"componentType":"paragraph","richBody":{"value":"<p>The outstanding debt must be repaid if:</p><ul><li>The second contract holder passes away;</li><li>The first or second contract holder provided incorrect information when applying for the loan;</li><li>The death is not reported to ING within 3 months with a death certificate.</li></ul><p>In addition, any payment arrears are excluded from the death risk cover. This means that the accrued arrears must be repaid. It does not matter whether the arrears arose before or after the death.</p>"}},{"componentType":"sectionTitle","title":"Have you recently increased or decreased the loan?"},{"componentType":"paragraph","richBody":{"value":"<p>If the loan was changed before 1 July 2023, the death cover continues with the new loan. To determine the term, the start date of the oldest repaid contract is used. It does not matter whether the previous loan was a different variant of the Revolving Credit or Personal Loan.</p><ul><li><p>Have you increased the loan before 1 July 2023? During the first 6 months after the increase, we reimburse the outstanding debt up to a maximum of the old loan amount. After 6 months, we reimburse the outstanding debt up to the new loan amount. This applies to each increase.</p></li><li><p>Have you decreased the loan before 1 July 2023? We reimburse the entire outstanding debt if the contract date of the repaid contract is older than 6 months.</p></li></ul>"},"textLinks":[{"url":"/en/personal/loans/information-about-borrowing/help-with-payment-difficulties","text":"Read more information about help with payment problems"}]},{"componentType":"sectionTitle","title":"Do you expect or are you experiencing payment problems as a result of a death?"},{"componentType":"paragraph","richBody":{"value":"<p>We are here for you in that situation as well. We are happy to look for a solution together with you. This may include lowering your credit amount or accelerating the repayment of the credit. We are happy to help.</p>"}},{"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"}]}]}}}