{"type":"document","data":{"id":"c46f2ac4-9b51-41b0-b521-b0aa47b0f90c","localeString":"en-GB","publishDate":"2026-04-13T15:58:24.183+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"With a mortgage that has a 1-month variable interest rate, the interest percentage remains fixed for one month and is automatically adjusted every month."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"If you choose a mortgage with a 1-month variable interest rate, the interest percentage remains fixed for one month and is automatically adjusted every month. Because the rate is only fixed for a short period, your monthly payments can increase or decrease quickly depending on market changes.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/a67c79a9-7a00-4321-ad76-71a3c4889ee4/private-banking-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/2a4d9f47094382b2/original/private-banking-1920.jpg","extension":"jpg"},"title":"Characteristics and conditions of variable mortgage interest rate"},"backLink":{"textLink":{"url":"/en/personal/mortgage/current-mortgage-rates","text":"Current mortgage rates"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Characteristics of variable mortgage interest rate"},{"componentType":"paragraph","richBody":{"value":"<p>The interest rate equals the 1-month <a href=\"https://www.ing.nl/particulier/hypotheek/actuele-hypotheekrente/euribor\">Euribor </a>rate for the chosen period plus a margin (the Variable Rate Margin). The Euribor rate is a benchmark. The Variable Rate Margin consists of variable components that can change at any time. Your mortgage offer specifies the margin and the conditions under which it may change.</p><p><strong>Good to know:</strong></p><ul><li>We set our variable <a href=\"https://www.ing.nl/particulier/hypotheek/actuele-hypotheekrente\">interest rates</a> on the 15th calendar day of each month. If that’s not a working day, we do it on the next working day. These rates then apply from the following month.</li><li>The rate is calculated to three decimal places.</li></ul>"}},{"componentType":"sectionTitle","title":"Conditions of variable mortgage interest rate"},{"componentType":"paragraph","richBody":{"value":"<ul><li>Variable interest is only possible for an Interest Only mortgage</li><li>A maximum of 25% of the total mortgage can be taken with a variable interest rate. This includes any Credit Mortgage loan portion.</li><li>The remaining 75% must have a fixed interest rate for at least 5 years.</li><li>Variable interest cannot be chosen after the end of a fixed interest rate period or during a change in an ongoing fixed interest rate period.</li><li>It is not allowed to convert an existing mortgage to (a product with) variable interest.</li><li>For variable interest, there is currently <a href=\"https://www.ing.nl/particulier/hypotheek/actuele-hypotheekrente/invloed-op-vaste-hypotheekrente\">no loan to value </a>requirement.</li><li>No <a href=\"https://www.ing.nl/particulier/hypotheek/actuele-hypotheekrente/actieve-betaalrekening-korting\">Active payment Discount</a> applies to variable interest.</li><li>Since February 1, 2016, ING no longer offers new <a href=\"https://www.ing.nl/particulier/hypotheek\">mortgages</a> with 2, 3, 6, 9, or 12-month variable interest rates.</li></ul>"}},{"componentType":"linkList","iconTitle":{"title":"Hypotheken"},"textLinks":[{"url":"/particulier/hypotheek/hypotheek-berekenen","text":"Maximale hypotheek berekenen"},{"url":"/particulier/hypotheek/actuele-hypotheekrente","text":"Actuele hypotheekrente"},{"url":"/particulier/hypotheek/oversluiten","text":"Hypotheek oversluiten"},{"url":"/particulier/hypotheek/huis-kopen/je-eerste-huis-kopen/startershypotheek-berekenen","text":"Eerste huis kopen"},{"url":"/particulier/hypotheek/huis-kopen/ander-huis-kopen/maximale-hypotheek","text":"Ander huis kopen"},{"url":"/particulier/hypotheek/jouw-hypotheek","text":"Jouw hypotheek"},{"url":"/particulier/hypotheek/hypotheekvormen","text":"Hypotheekvormen"},{"url":"/particulier/hypotheek/duurzaam-wonen","text":"Duurzaam wonen"},{"url":"/particulier/hypotheek/hypotheekadvies","text":"Hypotheekadvies"},{"url":"/particulier/hypotheek/advieskosten","text":"Kosten"},{"url":"/particulier/hypotheek/situatie","text":"Situatie"},{"url":"/particulier/hypotheek/woondiensten","text":"Woondiensten"},{"url":"/particulier/hypotheek/contact","text":"Contact"}]}]}}}