{"type":"document","data":{"id":"6d605453-2b02-4bc5-ad57-7eb5fcc964bc","localeString":"en-GB","publishDate":"2026-02-10T16:51:34.763+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Everything you want (and need) to know"},"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":{"headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/f324a834-fd60-4430-9465-bf4902be97f3/Woman-touching-the-nose-of-a-man-with-beard-and-earring-at-a-terrace-table","type":"image","width":5600,"original":"https://assets.ing.com/m/661e0a9ce444d89/original/Woman-touching-the-nose-of-a-man-with-beard-and-earring-at-a-terrace-table.jpg","extension":"jpg"},"title":"Your loan at ING","subtitle":"Everything you want (and need) to know"},"backLink":{"textLink":{"url":"/en/personal/loans/our-loans","text":"Our loans"}}},"flexZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"How a loan works","intro":"Everything about your loan","image":{"transformBaseUrl":"https://assets.ing.com/transform/fb7ccb06-5567-4a72-a528-d855a9698a44/Check-het-gesprek","type":"image","width":767,"original":"https://assets.ing.com/m/257c8ba53f53b9d9/original/Check-het-gesprek.jpg","extension":"jpg"},"link":{"url":"/particulier/lenen/informatie-over-lenen/hoe-een-lening-werkt"},"checkMarkList":["How your monthly payment is determined","Your registration with BKR","How the interest is calculated"]},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Adjusting your loan","intro":"Easily arranged in just a few steps","image":{"transformBaseUrl":"https://assets.ing.com/transform/94f1618a-5ae9-4459-adb0-67631d809ce0/SMILING-YOUNG-WOMAN-USING-MOBILE-PHONE-IN-RESTAURANT","type":"image","width":5700,"original":"https://assets.ing.com/m/6e085665c32676cb/original/SMILING-YOUNG-WOMAN-USING-MOBILE-PHONE-IN-RESTAURANT.jpg","extension":"jpg"},"link":{"url":"/en/personal/loans/use-my-loan/change-loan"},"checkMarkList":["Borrow extra","Postpone a monthly instalment once","Close your loan"]},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Making extra repayments on your loan","intro":"To reduce your debt and save money","image":{"transformBaseUrl":"https://assets.ing.com/transform/9174759a-65db-4fc2-a1a6-7af6ad0158a5/400x225_haring","type":"image","width":400,"original":"https://assets.ing.com/m/3883ffea4b890d51/original/400x225_haring.jpg","extension":"jpg"},"link":{"url":"/en/personal/loans/use-my-loan/how-extra-payments-work"},"checkMarkList":["Repay whenever you want, free of charge","Shorten the term of your loan","Calculate how much you can save"]},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Changes in your personal situation","intro":"Some changes can affect your loan","image":{"transformBaseUrl":"https://assets.ing.com/transform/f4eec655-c2a7-4029-b564-5530bbb7404d/pension-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/7fd845addb9d432f/original/pension-1920.jpg","extension":"jpg"},"link":{"url":"/particulier/lenen/informatie-over-lenen/veranderingen-in-jouw-persoonlijke-situatie"},"checkMarkList":["Your income changes","You’re getting a divorce","Your partner passes away"]},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Control over your money","intro":"Support when you’re experiencing payment difficulties","image":{"transformBaseUrl":"https://assets.ing.com/transform/4fb65b59-fc5c-4832-9d1c-1dbabb5db374/Twin-sisters-use-golf-cart-to-bring-new-carpet-to-home","type":"image","width":5616,"altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/72c055b9eceed12b/original/Twin-sisters-use-golf-cart-to-bring-new-carpet-to-home.jpg","extension":"jpg"},"link":{"url":"/en/personal/loans/information-about-borrowing/help-with-payment-difficulties"},"checkMarkList":["Short payment break","Lowering your credit amount","Converting your loan"]}]},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Direct debit dates for your loan","intro":"When do we deduct your monthly instalment?","image":{"transformBaseUrl":"https://assets.ing.com/transform/95b57c4a-b88b-4e1a-9169-bd8f5fb901e3/PORTRAIT-OF-A-SMILING-YOUNG-WOMAN-WITH-DRINK","type":"image","width":5700,"original":"https://assets.ing.com/m/8c24fd8cee6f286/original/PORTRAIT-OF-A-SMILING-YOUNG-WOMAN-WITH-DRINK.jpg","extension":"jpg"},"link":{"url":"/particulier/lenen/informatie-over-lenen/incassodata-voor-je-lening"},"checkMarkList":["Make sure there’s enough balance","Direct debit dates","Missed a payment?"]}]}]},"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"}]}]}}}