Your fixed mortgage interest consists of:
Each fixed-interest term has a standard interest rate. Have you chosen a mortgage with Dutch National Mortgage Guarantee (NHG)? Then the separate NHG standard interest rate applies.
"}},{"componentType":"sectionTitle","title":"Loan to market value surcharges and discounts"},{"componentType":"paragraph","richBody":{"value":"From 1 May 2014 to 1 July 2021, your mortgage interest was partly determined by the Loan to Market value discount or surcharge. The amount of this surcharge or discount depends on the loan-to-value ratio. This is the ratio between the amount of mortgage debt and the fair value of your property. The higher the loan-to-value ratio, the greater the risk of an outstanding loan when selling your property. That is why you pay a surcharge on top of your standard interest rate from a certain loan-to-value ratio. And at a lower loan-to-value ratio, you get a discount.
Do you have an NHG mortgage or a variable interest mortgage? Then when determining your mortgage interest rate, usually no discount or surcharge is taken into account with the debt-fair value ratio.
Want to know what standard interest and Loan to market value surcharges and discounts apply to you?
"},"textLinks":[{"url":"/particulier/hypotheek/actuele-hypotheekrente/rente-overzicht","text":"Check out what your default interest rate is including the loan to market value surcharges and discounts via this interest rate tool"},{"url":"/en/personal/mortgage/current-mortgage-rates/historic-loan-to-value-tables","text":"Or view the loan to market value table history from 1 May 2014 to 1 July 2021"}]},{"componentType":"sectionTitle","title":"Other discounts and surcharges"},{"componentType":"paragraph","richBody":{"value":"In addition to your standard interest rate and loan to market value surcharge or discount, other possible discounts and/or surcharges for your mortgage interest may apply.
"},"textLinks":[{"url":"/en/personal/mortgage/current-mortgage-rates/active-payment-discount","text":"Active Payment Discount."},{"url":"/en/personal/mortgage/current-mortgage-rates/what-is-dayrate","text":"Dayrate"},{"url":"/en/personal/mortgage/your-mortgage/loyaltybonus","text":"Loyalty bonus - at the end of 2012 the build-up stopped. And as of 2021 it can no longer be used"}]},{"componentType":"paragraph","richBody":{"value":"Is your mortgage offered after 1 July 2021 or have you chosen a new fixed-interest term after that date? Check here for more information about the build-up of your interest.
"}},{"componentType":"linkList","iconTitle":{"title":"More information"},"textLinks":[{"url":"/en/personal/expats/mortgages/mortgage-step-by-step","text":"Mortgage step by step"},{"url":"/en/personal/mortgage/mortgage-advice","text":"Mortgage advice in English"},{"url":"/en/personal/mortgage/contact","text":"Plan orientation meeting"},{"url":"/en/personal/mortgage/mortgage-types","text":"Mortgage types"},{"url":"/en/personal/mortgage/mortgage-calculator","text":"Calculate your maximum mortgage"},{"url":"/en/personal/mortgage/current-mortgage-rates","text":"Current mortgage rates"},{"url":"/en/personal/mortgage/advisory-fees","text":"Advisory fees"},{"url":"/en/personal/mortgage/property-services","text":"Property services"}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"Good to know","richBody":{"value":"The English text of the website is a translation of the Dutch original version. This translation is intended for the customer's 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.
"}}]}}}