{"type":"document","data":{"id":"4bc36713-5cf4-4b91-a20b-5d46714bfd44","localeString":"en-GB","publishDate":"2025-11-27T14:26:25.992+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Did you take out or renew an ING mortgage before May 1, 2014? Then different surcharges or discounts may apply."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Was your mortgage offer issued before 1 May 2014? And have you not yet chosen a new fixed interest rate period after 1 May 2014 (often referred to as “renewal”)? If so, the following surcharges and discounts may have been applied to your mortgage interest rate.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/0156daa0-117e-4265-be3f-c486bba30e6f/Two-colleagues-chat-and-smile-together-while-in-break-room-using-laptop","type":"image","width":2000,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/7144994033627b1/original/Two-colleagues-chat-and-smile-together-while-in-break-room-using-laptop.jpg","extension":"jpg"},"title":"Have you taken out a mortgage or chosen a new fixed-interest period with an offer date before 1 May 2014?"},"backLink":{"textLink":{"url":"/en/personal/mortgage/current-mortgage-rates","text":"Current mortgage rates"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"salary deduction"},{"componentType":"paragraph","richBody":{"value":"<p>With a salary discount, you are entitled to a mortgage interest rate reduction of 0.20% during the initial fixed-interest period. Important conditions are: </p><ul><li>that the salary deduction is included in the quotation; and</li><li>that all income is paid directly into an ING current account.</li></ul><p>If you have chosen a new fixed interest rate period since 1 May 2014, the salary discount has been discontinued. Since 1 May 2014, ING only offers the Active payment discount. In short, we offer a discount on your mortgage interest rate if you use your ING current account regularly. If you are offered a renewal proposal for a new fixed interest rate period, you can opt for the <a href=\"https://www.ing.nl/particulier/hypotheek/actuele-hypotheekrente/actieve-betaalrekening-korting\">Active payment discount</a>. </p><p>If you meet the conditions, you will receive an Active Payment discount during the agreed fixed interest rate period. </p>"}},{"componentType":"sectionTitle","title":"Top Surcharge, Top Extra Surcharge of NHG-discount"},{"componentType":"paragraph","richBody":{"value":"<p>Based on the risk for ING when selling your home, you may currently be paying an interest surcharge or receiving a discount. Until 1 May 2014, ING applied the discounts or surcharges listed below.</p><p>Good to know:</p><ul><li>In individual cases, lower surcharges may also apply.</li><li>Has the value of your home increased? Or have you made repayments on your mortgage? If so, you may be eligible for a lower surcharge. You can easily apply for this at ING.<p> </p></li></ul><table><thead><tr><th>National Mortgage Guarantee (NHG)</th><th>Discount -/- 0,20%</th></tr></thead><tbody><tr><td>Until 60% marketvalue</td><td>No surcharge (Basis)</td></tr><tr><td>60% until 80% marketvalue</td><td>Top- surcharge + 0,20%</td></tr><tr><td>More than 80% marketvalue</td><td>Top Extra surcharge + 0,50%</td></tr></tbody></table>"}},{"componentType":"sectionTitle","title":"Base and top action"},{"componentType":"paragraph","richBody":{"value":"<p>In the past, ING offered a Basic and Top promotion. Based on your risk category, this gave you a mortgage interest discount of 0.20% (Basic) or 0.40% (Top). An important condition is that the Basic or Top promotion is included in your offer. The discount percentage applicable to you is also stated in the offer. Did you take out a new mortgage after May 1, 2014? Or did you choose a new fixed interest rate period after May 1, 2014? Then this discount from the Basic and Top promotion has been discontinued.</p>"}},{"componentType":"paragraph","title":"Do you have questions?","richBody":{"value":"<p>Do you want to know more about the possibilities in your personal situation? Please <a href=\"http://www.ing.nl/particulier/hypotheek/contact\">contact</a> us. </p><p> </p>"}},{"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"}]}]}}}