{"type":"document","data":{"id":"2d207193-2972-4e74-97a9-03fb63547c89","localeString":"en-GB","publishDate":"2026-03-30T09:28:59.779+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Selling your home with a profit or a loss: everything you need to know beforehand."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Are you planning to sell your current home? Whether you sell with a gain (equity) or a loss (residual debt): this is what it means for your options.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/826cfd68-953c-4cf0-9788-235c2c01a575/Duik-in-de-economie-Huis","type":"image","width":900,"original":"https://assets.ing.com/m/3ff0f45365e31607/original/Duik-in-de-economie-Huis.jpg","extension":"jpg"},"title":"Selling your home with a profit… or a loss","subtitle":"What the rules are and what to expect"},"backLink":{"textLink":{"url":"/en/personal/mortgage/buying-a-house/buying-another-house","text":"Buying your next home"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What happens before and after the sale"},{"componentType":"paragraph","richBody":{"value":"<p>Alright, the ‘For sale’ sign is up. People are coming to view your home and you’re receiving offers. The offer you accept becomes the sale price.</p><p>There are now two possible situations. The proceeds are…</p>"}},{"componentType":"accordion","accordionList":[{"title":"...higher than your remaining mortgage: positive equity","richBody":{"value":"<p>You repay your remaining mortgage in full, in one go, using the proceeds from the sale. This is handled by the notary appointed by the buyer of your home.</p><p>If the sale proceeds are not enough to fully repay your mortgage — in other words, if you fall short — you will have a residual debt.</p><p>Example:</p><ul><li>After the sale, Marit and Erik receive €300,000.</li><li>Their remaining mortgage debt is €325,000.</li><li>Their residual debt is €25,000, which they must repay to their mortgage provider.</li></ul>"}},{"title":"...lower than your remaining mortgage: residual debt","richBody":{"value":"<p>You repay your remaining mortgage in full, in one go, using the proceeds from the sale. This is handled by the notary chosen by the buyer of your home.</p><p>If the sale proceeds are not enough to fully repay your mortgage — in other words, if you fall short — you have a residual debt.</p><p>Example:</p><ul><li>After the sale, Marit and Erik receive €300,000.</li><li>Their remaining mortgage debt is €325,000.</li><li>Their residual debt is €25,000, which they must repay to their mortgage provider.</li></ul>"}}]},{"componentType":"sectionTitle","title":"Equity: what should you keep in mind?"},{"componentType":"paragraph","richBody":{"value":"<p>Many homeowners use equity to finance the purchase of their next home. Keep in mind that this comes with rules. These <a data-type=\"internal\" href=\"/en/personal/mortgage/buying-a-house/buying-another-house/using-equity\">rules</a> are set by the government.</p>"}},{"componentType":"accordion","accordionList":[{"title":"Don’t miss these 4 insights","richBody":{"value":"<ol><li><p>If you need a lower mortgage for your next home because you’re using (part of) your equity, you may qualify for a lower interest rate.<br />Your equity may make homes more expensive than your maximum borrowing capacity suddenly within reach.</p></li><li><p>Not using all your equity for the purchase of your new home? Then there may be tax implications.</p></li><li><p>Haven’t sold your current home yet? With a bridging loan, you can already use (part of) your expected equity for your new home.</p></li><li><p>Expecting equity? And do you have questions — for example about the tax implications? Feel free to ask them during a free orientation appointment. There’s no obligation.</p></li></ol>"},"textLinks":[{"url":"/en/personal/mortgage/buying-a-house/buying-another-house/using-equity","text":"View everything about equity"}]}]},{"componentType":"sectionTitle","title":"Residual debt – what now?"},{"componentType":"paragraph","richBody":{"value":"<p>We understand that a residual debt can feel overwhelming. Before you sell your home, it’s important to check whether you can cover this debt.</p>"}},{"componentType":"accordion","accordionList":[{"title":"What you can do if you have a residual debt","richBody":{"value":"<p>These are your options:</p><ul><li>Pay the residual debt with your own money, such as savings or a financial gift.</li><li>Your residual debt may be waived if you have a mortgage with the <a data-type=\"internal\" href=\"/en/personal/mortgage/buying-a-house/dutch-national-mortgage-guarantee\">National Mortgage Guarantee (NHG)</a>. Important: this only applies if you were forced to sell your home due to financial hardship.</li><li>Finance the residual debt as part of the mortgage for your new home.</li><li>Pay the residual debt with a Personal Loan (note: borrowing money costs money).</li></ul><p>Expecting a residual debt? And wondering whether you can finance it with a new mortgage at ING? Feel free to ask about this in a <a data-type=\"internal\" href=\"/en/personal/mortgage/contact\">free orientation appointment</a>. There’s no obligation at all.</p>"},"textLinks":[{"url":"/particulier/hypotheek/jouw-hypotheek/huis-onder-water","text":"See more about your options (in dutch)"}]}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"Good to know","richBody":{"value":"<p>The English text of the website is a translation of the Dutch original version. This translation is intended for the customers convenience only. In case of any discrepancies between the two versions, the original Dutch version shall prevail. The mortgage offer and contract will be signed in Dutch. Also, all further communication after signing the mortgage contract will be in Dutch. You acknowledge and accept this. If any assistance or clarification is needed, we recommend contacting your mortgage advisor or to call our customer service via the ING app.</p>"}}]}}}