{"type":"document","data":{"id":"03ac6fde-ab46-4418-94f6-cf5972803563","localeString":"en-GB","publishDate":"2026-02-12T16:29:12.604+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Want to finance new window frames? Explore the options of a personal loan to replace your window frames or to buy new ones."},"mainHeaderZone":{"componentType":"productHeader","usps":[{"body":"Fixed interest rate and monthly payments","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":"Always make extra repayments without 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 paid into your account in one go","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":"Are your old window frames due for replacement, or have you just moved into a new home that needs fresh, energy efficient frames? Using your savings is usually the most affordable option. But if you’re short on funds, a personal loan can help. You pay a fixed monthly amount that includes both interest and repayment. You can always make extra repayments whenever you want. That way, you avoid surprises while keeping flexibility.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/a3e03f56-f902-4972-a3aa-118770e5d8f2/Young-female-neighbors-talking-from-apartment-windows-during-covid-19-isolation","type":"image","width":6019,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/522889674772ad0b/original/Young-female-neighbors-talking-from-apartment-windows-during-covid-19-isolation.jpg","extension":"jpg"},"title":"Financing new window frames","subtitle":"Choose for a personal loan"},"backLink":{"textLink":{"url":"/en/personal/loans/your-goals","text":"Your Loan Goal"}}},"flexZone":{"flexComponents":[{"componentType":"feature","featureName":"ing-feat-loans-calc"},{"componentType":"sectionTitle","title":"Financing window frames: calculate and apply"},{"componentType":"paragraph","richBody":{"value":"<p>Do you already know how much you need? Use the loan calculator to work out your monthly payments and total costs for a personal loan. Want to borrow money for new window frames? Then apply for a personal loan in My ING or through your ING App. Enter the desired loan amount, the term, your net income, and the other information we need from you. We will check your application immediately with the Credit Registration Office (BKR) to make sure the loan amount is responsible. If everything is approved, you will receive an offer right away.</p>"}},{"componentType":"sectionTitle","title":"Conditions"},{"componentType":"paragraph","richBody":{"value":"<ul><li>You are over 18 and under 70.</li><li>You’ve had an ING current account for at least 4 months and live in the Netherlands.</li><li>Your income allows you to pay interest and repayment. If you receive welfare or unemployment benefits, you cannot apply.</li></ul><p><a href=\"https://assets.ing.com/m/2fd1cd957f7a3bfb/original/Voorwaarden-Persoonlijke-Lening-NL.pdf\">Voorwaarden Persoonlijke Lening (PDF)</a></p><p><a href=\"https://assets.ing.com/m/83f798298867174/original/Voorwaarden-Persoonlijke-Lening-ENG.pdf\">Terms &amp; Conditions Persoonlijke Lening (PDF)</a></p>"}},{"componentType":"sectionTitle","title":"Why I borrow at ING"},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/f3ff596a-919c-4819-b54b-5b7090811f2b/direct-debit-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/6f5f3c711bd911a0/original/direct-debit-1920.jpg","extension":"jpg"},"highlighted":false,"items":[{"body":"Borrowing should be responsible. That’s why we carry out careful checks to determine whether you can borrow and how much.","title":"Borrow with peace of mind"},{"body":"We want to help prevent your loan from becoming a problem, for example with the option of a payment pause.","title":"Support in difficult moments"},{"body":"You can always make extra repayments at any time, free of charge.","textLink":{"url":"/en/personal/loans/information-about-borrowing/borrowing-with-peace-of-mind","text":"More about borrowing with peace of mind"},"title":"Flexible conditions"}]},{"componentType":"sectionTitle","title":"What does a personal loan for new window frames cost?"},{"componentType":"paragraph","richBody":{"value":"<p>A personal loan has a fixed interest rate. This means your interest rate will not change during the loan term. The interest rate is annual.<br />The cost of a personal loan depends on the amount you borrow, the loan term you choose, and the interest rate. We determine this interest rate based on your personal situation. <a data-type=\"internal\" href=\"/en/personal/loans/information-about-borrowing/interest-rate-of-a-personal-loan\">Discover how we determine the interest rate.</a></p><p>Below, you’ll find the highest and lowest interest rates. Want to know exactly what you would pay at ING for a personal loan? Then request an offer. To determine your risk profile and the corresponding interest rate, we need more information from you.</p>"},"textLinks":[{"url":"/en/personal/loans/information-about-borrowing/interest-rate-of-a-personal-loan","text":"More about your interest and risk profile"}]},{"componentType":"paragraph","richBody":{"value":"<p>The highest interest rates for personal loans (please note your actual interest may be higher!)</p><table><caption><p>Overview of credit amounts and accompanying costs</p></caption><thead><tr><th>Credit amount</th><th>Term in months</th><th>Fixed debit interest rate</th><th>Annual Percentage Rate (APR)</th><th>Monthly costs</th><th>Your total amount due</th></tr></thead><tbody><tr><td>€ 2,500</td><td>120</td><td style=\"vertical-align:middle\"><span><span><span><span><span><span>11,9%</span></span></span></span></span></span></td><td style=\"vertical-align:middle\"><span><span><span><span><span><span>15,0%</span></span></span></span></span></span></td><td style=\"vertical-align:middle\"><span><span><span><span><span><span>€ 34,85</span></span></span></span></span></span></td><td style=\"vertical-align:bottom\"><span><span><span><span><span><span> €      4.182,00</span></span></span></span></span></span></td></tr><tr><td>€ 5,000</td><td>120</td><td style=\"text-align:left; vertical-align:middle\"><span><span><span><span><span><span>11,6%</span></span></span></span></span></span></td><td style=\"vertical-align:middle\"><span><span><span><span><span><span>13,2%</span></span></span></span></span></span></td><td style=\"vertical-align:middle\"><span><span><span><span><span><span>€ 68,95</span></span></span></span></span></span></td><td style=\"vertical-align:bottom\"><span><span><span><span><span><span> €      8.274,00</span></span></span></span></span></span></td></tr><tr><td>€ 10,000</td><td>120</td><td style=\"text-align:left; vertical-align:middle\"><span><span><span><span><span><span>11,4%</span></span></span></span></span></span></td><td style=\"vertical-align:middle\"><span><span><span><span><span><span>12,2%</span></span></span></span></span></span></td><td style=\"vertical-align:middle\"><span><span><span><span><span><span>€ 136,89</span></span></span></span></span></span></td><td style=\"vertical-align:bottom\"><span><span><span><span><span><span> €    16.426,80</span></span></span></span></span></span></td></tr><tr><td>€ 15,000</td><td>120</td><td style=\"text-align:left; vertical-align:middle\"><span><span><span><span><span><span>11,0%</span></span></span></span></span></span></td><td style=\"vertical-align:middle\"><span><span><span><span><span><span>11,5%</span></span></span></span></span></span></td><td style=\"vertical-align:middle\"><span><span><span><span><span><span>€ 202,20</span></span></span></span></span></span></td><td style=\"vertical-align:bottom\"><span><span><span><span><span><span> €    24.264,00</span></span></span></span></span></span></td></tr><tr><td>€ 25,001</td><td>120</td><td style=\"text-align:left; vertical-align:middle\"><span><span><span><span><span><span>10,5%</span></span></span></span></span></span></td><td style=\"vertical-align:middle\"><span><span><span><span><span><span>10,8%</span></span></span></span></span></span></td><td style=\"vertical-align:middle\"><span><span><span><span><span><span>€ 330,83</span></span></span></span></span></span></td><td style=\"vertical-align:bottom\"><span><span><span><span><span><span> €    39.699,60</span></span></span></span></span></span></td></tr></tbody><tfoot><tr><td colspan=\"6\">Offered by: ING Bank NV, Bijlmerplein 888, 1102 MG Amsterdam, Handelsregister Amsterdam nr. 33031431. </td></tr></tfoot></table><p>The lowest interest rates for a personal loan (please note your actual interest may be higher!)</p><table><caption><p>Overview of credit amounts and accompanying costs</p></caption><thead><tr><th>Credit amount</th><th>Term in months</th><th>Fixed debit interest rate</th><th>Annual Percentage Rate (APR)</th><th>Monthly costs</th><th>Your total amount due</th></tr></thead><tbody><tr><td>€ 2,500</td><td>120</td><td style=\"vertical-align:middle\"><span><span><span><span><span><span>10,0%</span></span></span></span></span></span></td><td style=\"vertical-align:middle\"><span><span><span><span><span><span>13,1%</span></span></span></span></span></span></td><td style=\"vertical-align:middle\"><span><span><span><span><span><span>€ 32,44</span></span></span></span></span></span></td><td style=\"vertical-align:bottom\"><span><span><span><span><span><span> €      3.892,80</span></span></span></span></span></span></td></tr><tr><td>€ 5,000</td><td>120</td><td style=\"text-align:left; vertical-align:middle\"><span><span><span><span><span><span>9,5%</span></span></span></span></span></span></td><td style=\"vertical-align:middle\"><span><span><span><span><span><span>11,1%</span></span></span></span></span></span></td><td style=\"vertical-align:middle\"><span><span><span><span><span><span>€ 63,63</span></span></span></span></span></span></td><td style=\"vertical-align:bottom\"><span><span><span><span><span><span> €      7.635,60</span></span></span></span></span></span></td></tr><tr><td>€ 10,000</td><td>120</td><td style=\"text-align:left; vertical-align:middle\"><span><span><span><span><span><span>7,6%</span></span></span></span></span></span></td><td style=\"vertical-align:middle\"><span><span><span><span><span><span>8,4%</span></span></span></span></span></span></td><td style=\"vertical-align:middle\"><span><span><span><span><span><span>€ 117,89</span></span></span></span></span></span></td><td style=\"vertical-align:bottom\"><span><span><span><span><span><span> €    14.146,80</span></span></span></span></span></span></td></tr><tr><td>€ 15,000</td><td>120</td><td style=\"text-align:left; vertical-align:middle\"><span><span><span><span><span><span>6,7%</span></span></span></span></span></span></td><td style=\"vertical-align:middle\"><span><span><span><span><span><span>7,3%</span></span></span></span></span></span></td><td style=\"vertical-align:middle\"><span><span><span><span><span><span>€ 170,35</span></span></span></span></span></span></td><td style=\"vertical-align:bottom\"><span><span><span><span><span><span> €    20.442,00</span></span></span></span></span></span></td></tr><tr><td>€ 25,001</td><td>120</td><td style=\"text-align:left; vertical-align:middle\"><span><span><span><span><span><span>6,5%</span></span></span></span></span></span></td><td style=\"vertical-align:middle\"><span><span><span><span><span><span>6,8%</span></span></span></span></span></span></td><td style=\"vertical-align:middle\"><span><span><span><span><span><span>€ 281,50</span></span></span></span></span></span></td><td style=\"vertical-align:bottom\"><span><span><span><span><span><span> €    33.780,00</span></span></span></span></span></span></td></tr></tbody><tfoot><tr><td colspan=\"6\">Offered by: ING Bank NV, Bijlmerplein 888, 1102 MG Amsterdam, Handelsregister Amsterdam nr. 33031431.</td></tr></tfoot></table><ul><li>The fixed interest rate applies per March 12, 2026. May be subject to changes.</li><li>If your application is approved, you&apos;ll be offered a contract and receive the Standard European Consumer Credit Information form. This will let you see the most important credit features. </li></ul>"}},{"componentType":"accordion","accordionList":[{"title":"More information about this table","richBody":{"value":"<ul><li><span><span><span><span>Total loan amount: The agreed amount that you borrow.</span></span></span></span></li><li><span><span><span><span>Term/instalments in months: A personal loan has a fixed term, for example 60 months. During this term you repay the full loan amount. The amounts you have already repaid cannot be withdrawn again.</span></span></span></span></li><li><span><span><span><span>Fixed interest rate: The yearly interest rate you pay for the loan. With a Personal Loan the interest rate stays the same during the entire term.</span></span></span></span></li><li><span><span><span><span>Annual percentage rate (APR): This percentage includes the interest you pay for the loan and any additional costs calculated per year. For an ING personal loan you need an ING current account. When taking out a personal loan and opening a current account you can choose the OranjePakket including My ING and the ING App without costs without using the debit card for payments or cash machines.</span></span></span></span></li><li><span><span><span><span>Instalment (per month): The interest and repayment you pay each month for your loan.</span></span></span></span></li><li><span><span><span><span>Total loan cost: For the personal loan this is the total amount you pay in interest and repayment.</span></span></span></span></li></ul>"}}]},{"componentType":"sectionTitle","title":"Can I finance any type of window frame with a personal loan?"},{"componentType":"paragraph","richBody":{"value":"<p>The loan amount you want to borrow can be used to finance part of the cost or to pay for your window frames completely. It also does not matter whether they are new or second hand.</p>"}},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"<ul><li>Taking out a personal loan is shared with the Credit Registration Office (BKR). This is a positive registration. <a data-type=\"internal\" href=\"/en/personal/loans/information-about-borrowing/bkr\">Borrowing and BKR.</a></li><li>You can apply for a loan alone or together with a partner.</li><li>ING does not give advice. You decide whether the product fits your wishes, needs and personal situation.</li></ul>"}},{"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"}]}]}}}