There are several ways to finance making your home more sustainable. Besides, for example, the SVn Sustainability Loan or increasing your mortgage, you can take out a Personal Loan with ING to make your home more sustainable.
Many homeowners choose this Personal Loan because it lets them receive the money for the sustainability improvements in their account on good terms.
"}},{"actionAccordionList":[{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Benefits of a Personal Loan for making your home more sustainable
"}},{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Drawbacks of a Personal Loan for making your home more sustainable
"}},{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Yes, you can also apply for subsidies alongside your loan for making your home more sustainable.
Tip: First check which subsidies you’re eligible for. That way you’ll need to borrow less money. There are national subsidies and sometimes municipal subsidies too.
"},"textLinks":[{"text":"Check subsidies by measure","url":"/en/personal/mortgage/sustainable-living/government-subsidies"}]}],"title":{"value":"Can I apply for a subsidy as well as a loan?
"}}],"componentType":"actionAccordion"},{"componentType":"sectionTitle","title":"Lower interest rate when making your home more sustainable: how it works"},{"componentType":"paragraph","richBody":{"value":"Will you send us your paid invoices and/or purchase receipts for your sustainability measures within 6 months after you receive your loan amount? If so, as a homeowner you’ll get a lower interest rate.
That makes improving your home’s sustainability even more attractive!
"}},{"actionAccordionList":[{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"You must own the home you want to renovate and have one or more of the following measures installed:
Note: Installing underfloor heating, home batteries, solar boilers, central heating boilers, or energy-efficient lighting does not qualify for the lower interest rate.
"}}],"title":{"value":"Which sustainability measures qualify for the lower interest rate?
"}},{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"This is how it works:
Email the invoices for your energy-saving measures to lenen@ing.nl with the subject line: “Invoices for energy-saving measures.”
You have 6 months after the loan is paid out to do this.
Good to know:
Submitting invoices and/or receipts: what, how, and when
"}}],"componentType":"actionAccordion"},{"componentType":"sectionTitle","title":"How much can I borrow for making my home more sustainable?"},{"componentType":"paragraph","richBody":{"value":"From new window frames to insulation, from solar panels to a heat pump.
You can borrow between €2,500 and €75,000 to fund your sustainable home improvements.
In the overview below, you’ll see the maximum (highest interest rates) and minimum (lowest interest rates) costs for your personal loan.
For example: if you borrow €15,000 to make your home more sustainable, your interest rate for a term of 120 months will be between 5.90% and 10.90%.
Your exact rate depends on your personal situation. Check how.
Apply for a quote today. It will give you clear guidance for your energy-saving plans.
"},"textLinks":[{"text":"Request a quote","url":"https://mijn.ing.nl/banking/loans/personal-loan-apply"}],"title":"Want to know exactly what you’ll pay?"},{"componentType":"paragraph","richBody":{"value":"The highest interest rates for personal loans (please note your actual interest may be higher!)
Total credit amount | Loan/terms in months | Fixed debit interest rate | Annual Percentage Rate (APR) | Total repayment amount (monthly) | Total cost |
|---|---|---|---|---|---|
| € 2.500,00 | 120 | 11,9% | 15,0% | € 34,85 | € 4.182,00 |
| € 5.000,00 | 120 | 11,6% | 13,2% | € 68,95 | € 8.274,00 |
| € 10.000,00 | 120 | 11,4% | 12,2% | € 136,89 | € 16.426,80 |
| € 15.000,00 | 120 | 11,0% | 11,5% | € 202,20 | € 24.264,00 |
| € 25.000,00 | 120 | 10,5% | 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!)
Total credit amount | Loan/terms in months | Fixed debit interest rate | Annual Percentage Rate (APR) | Total repayment amount (monthly) | Total cost |
|---|---|---|---|---|---|
| € 2.500,00 | 120 | 9,4% | 12,5% | € 31,69 | € 3.802,80 |
| € 5.000,00 | 120 | 8,9% | 10,5% | € 62,14 | € 7.456,80 |
| € 10.000,00 | 120 | 6,9% | 7,7% | € 114,55 | € 13.746,00 |
| € 15.000,00 | 120 | 6,0% | 6,6% | € 165,36 | € 19.843,20 |
| € 25.000,00 | 120 | 5,8% | 6,1% | € 273,21 | € 32.785,20 |
Provider: ING Bank NV, Bijlmerplein 888, 1102 MG Amsterdam, Trade register Amsterdam nr. 33031431
Terms & Conditions Personal Loan (PDF)
Terms & Conditions Personal Loan (PDF)
"}},{"componentType":"sectionTitle","title":"Frequently asked questions about financing sustainability measures"},{"accordionList":[{"richBody":{"value":"The total subsidy depends on the measures you take in your home. There are national and sometimes local (municipal) subsidies, and you can combine them.
"},"textLinks":[{"url":"/en/personal/mortgage/sustainable-living/government-subsidies"}],"title":"How much subsidy can I get?"},{"richBody":{"value":"With the Sustainability Loan from the Dutch Municipal Housing Fund (SVn), you can borrow money under favourable conditions to make your home more sustainable.
Good to know:
In addition to a personal loan, you can also finance home sustainability improvements through your mortgage. This means increasing your existing mortgage or taking out an additional one.
If you’re unsure, consider the following:
In short:
Always compare both the monthly and total costs of borrowing, and how they relate to the cost of the sustainability measures themselves.