{"type":"document","data":{"id":"4ce13d85-3c71-49e2-860f-66a8dd594245","localeString":"en-GB","publishDate":"2026-01-09T15:06:15.933+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"A handover or final inspection is when an independent expert checks your new-build property for construction defects. Get a discount as an ING customer."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","microCopy":"Get a 25% discount from our partner Woningschouw","textLink":{"url":"https://www.woningschouw.nl/opleveringskeuring-ing/","text":"Request a final inspection"}},"coreHeader":{"body":"Whether it's leaks or loose tiles, defects in your new home should be addressed during the final inspection. Get support from an independent expert. Request a handover inspection in time.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/b8ac2fa7-be17-4d51-9300-273d41231108/Duurzaam-Def_tcm162-206051","type":"image","width":799,"original":"https://assets.ing.com/m/2012a4c53894e3a3/original/Duurzaam-Def_tcm162-206051.jpg","extension":"jpg"},"title":"Handover inspection of your new-build property","subtitle":"Avoid oversights with an expert by your side"},"backLink":{"textLink":{"url":"/en/personal/mortgage/newbuild","text":"New build: mortgage with ING"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What is a handover inspection?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>A handover or final inspection is when an independent expert checks your new-build property for construction defects. They will compare the completed property to:</span></span></span></p><ul><li><span><span><span><span>the drawings</span></span></span></span></li><li><span><span><span><span>building regulations</span></span></span></span></li></ul><p><span><span><span>The inspector will conduct the handover inspection with the builder or contractor present. This final inspection has given many people additional peace of mind, as it ensures that you won’t miss anything.</span></span></span></p>"}},{"componentType":"accordion","accordionList":[{"title":"Examples of defects","richBody":{"value":"<p><span lang=\"EN-GB\" dir=\"ltr\"><span><span>Obviously, you hope it won’t happen, but an inspection may identify the following defects:</span></span></span></p><ul><li><span><span><span><span>The heating doesn’t work properly.</span></span></span></span></li><li><span><span><span><span>The walls aren’t straight.</span></span></span></span></li><li><span><span><span><span>There are scratches on the windows.</span></span></span></span></li><li><span><span><span><span>There are leaks and/or the water doesn’t drain properly.</span></span></span></span></li><li><span><span><span><span>Loose wall tiles.</span></span></span></span></li><li><span><span><span><span>Wall sockets in the wrong places and/or don’t work.</span></span></span></span></li><li><span><span><span><span>Doors don’t close properly.</span></span></span></span></li></ul>"}}]},{"componentType":"sectionTitle","title":"What good does a handover inspection do?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>If there are any (hidden) defects, a pre-completion inspection will help you avoid a pointless back-and-forth argument with the builder or contractor:</span></span></span></p><ul><li><span><span><span><span>The inspection gives you insight into the condition of the completed property. </span></span></span></span></li><li><span><span><span><span>The independent surveyor will document any defects in an official report.</span></span></span></span></li><li><span><span><span><span>After the builder or contractor has signed this official report, they will be required to repair the defects and deal with snags.</span></span></span></span></li></ul><p><span><span><span><strong>Tip:</strong> <a data-type=\"internal\" href=\"/en/personal/insurances/legal-expenses-insurance\">ING legal assistance insurance</a> will cover legal assistance if agreements are not honoured. Check <a data-type=\"internal\" href=\"/en/personal/insurances/legal-expenses-insurance/additional-modules\">what cover </a>you need. Bear in mind that conflicts that already existed before you took out the insurance will not be covered. </span></span></span></p>"}},{"componentType":"sectionTitle","title":"Requesting a final inspection with a discount"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>If you bank with ING, you can take advantage of the expertise of our partner Woningschouw for an extra competitive fee.</span></span></span></p><ul><li><span><span><span><span>For new-build properties in the private sector </span></span></span></span></li></ul><ul><li><span><span><span><span>Across the Netherlands </span></span></span></span></li></ul><ul><li><span><span><span><span>Fixed fee of €260 (instead of €375)</span></span></span></span></li></ul><p><span><span><span>After you submit your request, Woningschouw will contact you to schedule an appointment.</span></span></span></p>"}},{"componentType":"accordion","accordionList":[{"title":"More about the fees","richBody":{"value":"<p><span lang=\"EN-GB\" dir=\"ltr\"><span><span>The fee includes VAT and their call-out charge for homes of up to 200m² (not including annexes). If your property is larger than 200m² and/or includes annexes, there will be a €35 surcharge per 35m² (inclusive of VAT).</span></span></span></p>"}}]},{"componentType":"sectionTitle","title":"Any questions in advance?"},{"componentType":"paragraph","richBody":{"value":"<p>Call Woningschouw: +31 (0)88 7800 702.</p>"}}]},"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 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.</p>"}}]}}}