{"type":"document","data":{"id":"661016b4-e1e3-4bc6-b148-ba93f6f2eda9","localeString":"en-GB","publishDate":"2026-03-18T11:15:22.325+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Upgrading the home you bought has important advantages: it is better for the environment, and you are saving energy."},"mainHeaderZone":{"componentType":"productHeader","usps":[{"body":"Lower interest rates for energy-saving renovations","icon":{"transformBaseUrl":"https://assets.ing.com/transform/ae8ed3be-dca4-41ae-809a-9c6f2127c2bf/Feedback-Check_Mark_Filledin","type":"image","width":24,"altTextEN":"check, checkmark","altTextNL":"check, vinkje","original":"https://assets.ing.com/m/7b28022e4634b7fb/original/Feedback-Check_Mark_Filledin.svg","extension":"svg"}},{"body":"Possible to make extra repayments without a penalty","icon":{"transformBaseUrl":"https://assets.ing.com/transform/ae8ed3be-dca4-41ae-809a-9c6f2127c2bf/Feedback-Check_Mark_Filledin","type":"image","width":24,"altTextEN":"check, checkmark","altTextNL":"check, vinkje","original":"https://assets.ing.com/m/7b28022e4634b7fb/original/Feedback-Check_Mark_Filledin.svg","extension":"svg"}},{"body":"The money is directly deposited into your account","icon":{"transformBaseUrl":"https://assets.ing.com/transform/ae8ed3be-dca4-41ae-809a-9c6f2127c2bf/Feedback-Check_Mark_Filledin","type":"image","width":24,"altTextEN":"check, checkmark","altTextNL":"check, vinkje","original":"https://assets.ing.com/m/7b28022e4634b7fb/original/Feedback-Check_Mark_Filledin.svg","extension":"svg"}}],"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"},"cta":{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/loans/personal-loan-apply","text":"Apply for a personal loan"}},"coreHeader":{"body":"Upgrading the home you bought has important advantages: it is better for the environment, and you are saving energy. There are several measures to choose from, such as solar panels, a heat pump, insulation, or HR++ glass. Do you want financing for these? If you share one or several invoices with ING within 6 months after disbursement, you will pay a lower interest rate on your Personal Loan.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/a862927c-16d8-4073-8188-dd4ee384cb6e/Making-your-home-sustainable-where-should-you-start-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/33b02ef96248dab0/original/Making-your-home-sustainable-where-should-you-start-1920.jpg","extension":"jpg"},"title":"Making your home sustainable with a more affordable Personal Loan"},"backLink":{"textLink":{"url":"/en/personal/loans/your-goals","text":"Your Loan Goal"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Borrow money for an energy-saving renovation: calculate and apply"},{"componentType":"paragraph","richBody":{"value":"

Interested in financing an energy-saving renovation? A personal loan makes it possible. Calculate what your loan will cost and request a quote in My ING or the ING app. If you accept the quote, sign it and send us the necessary documents within 6 months after disbursement. We will always carry out a credit check using the BKR. This lets us better judge if it's responsible for you to take out a loan. If everything is approved, you will receive a quote immediately

"}},{"componentType":"feature","featureName":"ing-feat-loans-calc"},{"componentType":"sectionTitle","title":"This is how you qualify"},{"componentType":"paragraph","richBody":{"value":"

You must own the home you are planning to renovate, and need to have one or more of the following measures installed:

Please note that installing underfloor heating, home batteries, solar heaters, central heating and energy-saving lighting will not qualify you for a lower interest rate.

"}},{"componentType":"accordion","accordionList":[{"title":"This is how it works","richBody":{"value":"

Please send the invoices for the installation of sustainable measures to lenen@ing.nl, with ‘Invoices for energy-saving renovation’ as the subject-line. After disbursement of the loan, you have 6 months to do so.

Good to know

"}}]},{"componentType":"sectionTitle","title":"Requirements for an instalment loan"},{"componentType":"paragraph","richBody":{"value":"

Terms & Conditions Personal Loan (PDF)

Terms & Conditions Personal Loan (PDF)

"}},{"componentType":"sectionTitle","title":"Benefits of a personal loan from ING"},{"componentType":"productFeatures","highlighted":false,"items":[{"body":"During your application, we'll review your information and perform a few thorough checks. This will help us determine if the amount you'd like to borrow is realistic and sensible.","title":"Stress-free way to borrow"},{"body":"We want to prevent your loan from becoming problematic by providing options such as payment breaks.","title":"Help during setbacks"},{"body":"You can always repay extra and without penalty fees. You can also extend your loan term or borrow more.","textLink":{"url":"/particulier/lenen/informatie-over-lenen/zorgeloos-lenen","text":"Read more about borrowing care free"},"title":"On good terms"}]},{"componentType":"sectionTitle","title":"What are the pros of a personal loan?"},{"componentType":"paragraph","richBody":{"value":""}},{"componentType":"sectionTitle","title":"What are the cons of a personal loan?"},{"componentType":"paragraph","richBody":{"value":""}},{"componentType":"sectionTitle","title":"What does a loan cost?"},{"componentType":"paragraph","richBody":{"value":""},"textLinks":[{"url":"/particulier/lenen/informatie-over-lenen/rente-van-een-lening","text":"Learn more about how we determine the interest rates"}]},{"componentType":"paragraph","richBody":{"value":"

The highest interest rates for personal loans (please note your actual interest may be higher!)

 

Overview of credit amounts and accompanying costs

Total credit amount

Loan/terms in monthsFixed debit interest rate

Annual Percentage Rate (APR)

Total repayment amount (monthly)

Total cost

€ 2.500,0012011,9%15,0%€ 34,85 €      4.182,00
€ 5.000,0012011,6%13,2%€ 68,95 €      8.274,00
€ 10.000,0012011,4%12,2%€ 136,89 €    16.426,80
€ 15.000,0012011,0%11,5%€ 202,20 €    24.264,00
€ 25.000,0012010,5%10,8%€ 330,83 €    39.699,60

Provider: ING Bank NV, Bijlmerplein 888, 1102 MG Amsterdam, Trade register Amsterdam nr. 33031431

The lowest interest rates for a personal loan (Please note your actual interest may be higher!)

 

Overview of credit amounts and accompanying costs

Total credit amount

Loan/terms in monthsFixed debit interest rate

Annual Percentage Rate (APR)

Total repayment amount (monthly)

Total cost

€ 2.500,001209,0%12,2%€ 31,20 €      3.744,00
€ 5.000,001208,5%10,1%€ 61,15 €      7.338,00
€ 10.000,001206,6%7,4%€ 113,08 €    13.569,60
€ 15.000,001205,7%6,3%€ 163,21 €    19.585,20
€ 25.000,001205,5%5,8%€ 269,64 €    32.356,80

Provider: ING Bank NV, Bijlmerplein 888, 1102 MG Amsterdam, Trade register Amsterdam nr. 33031431

"}},{"componentType":"accordion","accordionList":[{"title":"More information about this overview","richBody":{"value":""}}]},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":""}},{"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"}]}]}}}