Do you have extra money available, for example from a bonus or an unexpected windfall? You can make an additional repayment on your loan at any time. There are no penalties or additional fees. You can easily arrange this yourself in the ING App or My ING.
• Make an additional repayment whenever you want
• Decide the repayment amount yourself
• One-time or recurring
> Make an additional repayment
By making an additional repayment, you shorten the term of your loan and pay less interest than you would if you did not repay extra. Because you reduce your debt faster, you will finish repaying your loan sooner. The lower your outstanding balance, the less interest you pay as part of your monthly installment. That is your benefit.
The amount of your monthly installment remains unchanged.
How it works:
• Transfer the amount you wish to repay to IBAN NL58 INGB 0003 4780 75, held in the name of ING Bank N.V. Lenen
• In the payment reference, enter only your loan contract number. Do not use periods, spaces, or hyphens.
After confirmation, the repaid amount will immediately appear in your loan overview. You will also see that your outstanding balance has been reduced.
If you have repaid too much, you can reverse the most recent direct debit collection. Once this amount has been credited back to your payment account, you can terminate your loan in the ING App or My ING. Any remaining outstanding balance and/or accrued daily interest will then be debited from your account.
"},"title":"Repaid too much"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Request a redemption note"},{"componentType":"paragraph","richBody":{"value":"Do you need an overview of your outstanding balance for a mortgage application or another lender? You can easily request a redemption note in the ING App or My ING. You will receive the document immediately in your Messages, where you can also download it. The statement always shows your current outstanding balance, including accrued daily interest. It is not possible to select a different date.
"}},{"componentType":"sectionTitle","title":"Repay and close your loan"},{"componentType":"paragraph","richBody":{"value":"Would you like to close your loan? You can repay the outstanding balance, including interest, in a single payment without penalties through the ING App or My ING. Once the loan has been fully repaid, it will automatically be closed. The loan will no longer appear in the overview in the ING App or My ING. We also provide a practical end date to the BKR within two business days. You will receive a confirmation.
If you receive our communications digitally, the confirmation will be available in the ING App and My ING within one business day.
If you receive paper correspondence, the confirmation will be sent by post within five business days.
> Repay and close loan
Unable to close your loan? This can happen if a monthly instalment collection is still being processed. In that case, wait a few days before closing your loan. This helps prevent overpayment.
Are you experiencing an expensive month or an unexpected financial setback? That can happen. Sometimes it becomes difficult to make your loan payment on time. At ING, we understand this. That is why you may postpone one monthly instalment per calendar year. This gives you some extra financial flexibility.
You may use this option if:
• You do not have any payment arrears or restrictions on your loan
• Your outstanding balance is less than 99% of the original loan amount
• You have not already postponed a payment during the current calendar year
A postponement can only be requested through the ING App or My ING. You will immediately see which month's instalment will be postponed. It is not possible to choose a different month, allowing you to understand the consequences before confirming your request.
> Postpone your payment
• We will not collect the monthly instalment from your account for one month
• The interest you would have paid that month is added to your outstanding balance
• The next monthly instalment will consist of a larger interest component
• The term of your loan will be extended slightly, increasing the total cost of the loan. These higher costs are always shown before you confirm your request
We believe it is important that your loan does not cause financial difficulties. If you contact us, we can review your financial situation together and help find a suitable solution. Please visit our Stay in control of your money page.
"},"title":"Postponing multiple instalments"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Change linked current account"},{"componentType":"paragraph","richBody":{"value":"You can change the payment account linked to your loan in the ING App or My ING. If you change your account at least two business days before the collection date, we will collect the next monthly instalment directly from your newly linked account. It is not possible to link a business account or an account with another bank to your loan.
> Change the linked account for your loan. Select an ING current account in your name. This may also be a joint ING account.
"}},{"componentType":"sectionTitle","title":"Adjust your loan: increase your limit, consolidate loans or split your loan"},{"componentType":"paragraph","richBody":{"value":"
A new loan application is always required if you want to increase your credit limit or consolidate loans. You can start a new application through the ING App or My ING. During the application process, you indicate your desired credit limit and whether you want to repay other loans using your new loan.
Good to know
If you change your loan, the interest rate may change. Your application and loan offer will show the new interest rate and the new monthly installment amount.
> Start a loan application
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If you have a joint loan and your personal situation changes, there are several options for settling the loan. One of these options is splitting the loan. Please visit the page If your personal circumstances change to see which information we require from you.
"},"title":"Split your loan"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Help with financial difficulties"},{"componentType":"paragraph","richBody":{"value":"Sometimes your personal or financial situation changes. For example, you may lose your job, go through a divorce, or face unexpected expenses. This can make it more difficult to manage your loan. Are you having trouble making your monthly loan payments? We're here to help. Together, we can look at your situation and explore a suitable solution to help prevent financial difficulties from becoming a bigger problem.
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