{"type":"document","data":{"id":"0223d4b8-38d3-4215-89cb-2b6d3ed8ea74","localeString":"en-GB","publishDate":"2026-04-09T13:17:20.464+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"If you opt for Day Rate, the interest rate that is lower on the passing date is checked: either the offered interest rate or the interest rate on the passing date."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Usually some time will pass between the moment you have received your mortgage offer and the date your mortgage passes. If you opt for Day Rate, the interest rate that will be taken into account for your mortgage will be the lowest of either the offered interest rate or the interest rate on the passing date. The passing date is the date on which you sign the mortgage contract at the notary.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/aeed7560-ae04-470f-9097-45868e0c6479/expat-contact-centre-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/438a13876a65d454/original/expat-contact-centre-1920.jpg","extension":"jpg"},"title":"What is Day Rate?"},"backLink":{"textLink":{"url":"/en/personal/mortgage/current-mortgage-rates","text":"Current mortgage rates"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"How to Get Day Rate"},{"componentType":"paragraph","richBody":{"value":"<p><span><span>Standard applies at ING: the offered interest is the <a data-type=\"internal\" href=\"/en/personal/mortgage/current-mortgage-rates\">mortgage interest</a> that you will pay. If you opt for Day Rate, your <a data-type=\"internal\" href=\"/en/personal/mortgage/mortgage-advice\">mortgage advisor</a> will process this in your mortgage application. If you do not make a choice, you will receive the offered interest at ING by default.</span></span></p>"}},{"componentType":"sectionTitle","title":"Features of Day Rate"},{"componentType":"paragraph","richBody":{"value":"<ul><li><p><span><span>You pay an interest premium of 0.25% during the first fixed-interest rate period.</span></span></p></li><li><p><span><span>Day Rate is only possible during the first fixed-interest period.</span></span></p></li><li><p><span><span>The interest rate on the passing date for the same offer is considered, including all discounts and surcharges that apply.</span></span></p></li><li><p><span><span>If the interest rate on the passing date is lower, then the passing date will become your new interest date (instead of the date mentioned in the offer).</span></span></p></li></ul><p><span><span>D</span></span><span><span>o you want to renew or cancel your offer? If you have opted for Day Rate, you will not pay any <a data-type=\"internal\" href=\"/particulier/hypotheek/advieskosten/verlengingsprovisie\">renewal</a> or <a data-type=\"internal\" href=\"/en/personal/mortgage/advisory-fees/cancellation-fees\">cancelation</a> costs.</span></span></p>"}},{"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":"<p>The English text of the website is a translation of the Dutch original version. This translation is intended for the customer&apos;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.</p>"}}]}}}