When you get financing for your own home, you’re always considered a consumer, but when you finance a property you’re buying as an investment, the financing can also be considered a business loan. So when you approach us for new real estate financing and/or ask us to extend your current real estate financing, we are required to verify to what extent you’re acting in a non-consumer capacity in carrying on a profession or business, i.e. in a business capacity.
"}},{"componentType":"sectionTitle","title":"Already have an investment property mortgage as a consumer?"},{"componentType":"paragraph","richBody":{"value":"If you took out financing between 13 July 2016 and 31 December 2022 for a property you bought as an investment, and it is a fixed-interest loan with a contract that includes the ‘Customer profile for personalised recommendation’ provision, these conditions still apply to you. Click here for more information about these conditions.
"}},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"text":"How does it work for a Private Banking customer?","url":"/en/private-banking/financing/real-estate-finance"},{"text":"More about product details","url":"/particulier/hypotheek/hypotheekvormen/productdetail-maatwerk-financiering"}]}]},"hasMacro":false,"id":"7f32eb75-5e0f-46a3-8479-d6fd009c0ea2","legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"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.
"},"title":"Good to know"}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Mortgage types","url":"/en/personal/mortgage/mortgage-types"}},"componentType":"productHeader","coreHeader":{"body":"Given the current legislation on mortgage lending to non-consumers, it’s important to establish first whether or not you’re acting in a consumer capacity.","subtitle":"For natural persons not acting in a consumer capacity","title":"Commercial real estate financing"},"cta":{"componentType":"cta","textLink":{"text":"More about real estate financing","url":"/zakelijk/financieren/vastgoed"}}},"publishDate":"2026-03-19T10:55:14.473+01:00"}}