{"type":"document","data":{"id":"601e9b23-e46c-4292-a382-9c12424b2370","localeString":"en-GB","publishDate":"2026-03-10T16:24:19.860+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"With a new‑build home, a mortgage works slightly differently. Read what you can pay from a construction deposit and what you need your own money for."},"mainHeaderZone":{"componentType":"productHeader","legalBanner":{"image":{"transformBaseUrl":"https://assets.ing.com/transform/bfc47636-d002-461a-b209-589beaaa7596/Group-7","type":"image","width":46,"original":"https://assets.ing.com/m/3f5c0b274ee863ed/original/Group-7.svg","extension":"svg"},"body":"Let op! Geld lenen kost geld","headerBannerType":"headerBannerType","componentStyle":"default"},"cta":{"componentType":"cta","textLink":{"url":"/en/personal/mortgage/newbuild","text":"All about new‑build homes"}},"secondaryCta":{"textLink":{"url":"/en/personal/mortgage/mortgage-calculator","text":"Calculate your mortgage"}},"coreHeader":{"body":"For a new‑build home, your mortgage works differently than with an existing property. You often pay for the land and construction in instalments. It can easily take up to two years before your home is completed and you can move in.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/9d73802c-0765-4da2-afda-f47bbc5091c2/CUTE-BABY-BOY-AT-HOME","type":"image","width":4500,"altTextNL":"baby met spaarvarken","original":"https://assets.ing.com/m/5e10abe2dc51c347/original/CUTE-BABY-BOY-AT-HOME.jpg","extension":"jpg"},"title":"How much money do you need for a new‑build home","subtitle":"The costs you pay from your construction deposit"},"backLink":{"textLink":{"url":"/en/personal/mortgage/newbuild","text":"New build: mortgage with ING"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Mortgage for a new‑build home"},{"componentType":"paragraph","richBody":{"value":"<p>Selected for a new‑build project or planning to build your own home? You can finance this with a mortgage. As long as your income and mandatory expenses allow it, you may borrow up to 100% of the <a data-type=\"internal\" href=\"/en/personal/mortgage/buyers-costs/valuation\">appraised property value</a> (also called the market value).</p><p>The money for your new‑build home is first placed into a <a data-type=\"internal\" href=\"/en/personal/mortgage/your-mortgage/building-fund-account\">construction deposit</a>. From this deposit, you pay for:</p><ul><li>the land (in one lump sum)</li><li>the construction of the house (in instalments)</li><li>any additional work or upgrades (also in instalments)</li></ul>"}},{"componentType":"accordion","accordionList":[{"title":"What you can pay from your construction deposit for a new‑build home","richBody":{"value":"<p>In addition to the land your home is built on and the construction of the house itself, you may use your construction deposit to pay for anything that is permanently attached to your property. For new‑build homes, this includes:</p><ul><li>floors that are permanently attached to the house, such as parquet, tiles or poured/grind floors</li><li>built‑in lighting, such as recessed spotlights</li><li>painting</li><li>a sunshade that is permanently fitted to the exterior of the house and custom‑made</li><li>garden installation, maintenance and landscaping</li><li>bathroom</li><li>kitchen</li><li>energy‑saving measures, such as solar panels</li></ul>"}},{"title":"What cannot be paid from your construction deposit","richBody":{"value":"<p>Anything that is not permanently attached to your home cannot be paid from your construction deposit. For new‑build homes, this includes:</p><p> </p><ul><li>floors that are not permanently fixed to the house, such as click‑floors (laminate or click‑PVC), carpet, or glued flooring (except glued PVC)</li><li>window coverings, such as curtains, blinds or shutters</li><li>lighting, such as wall lamps</li></ul><p>Important: these costs must be paid with your own money (for example, savings).</p>"}}]},{"componentType":"sectionTitle","title":"Paying for optional upgrades"},{"componentType":"paragraph","richBody":{"value":"<p>Anything you have done additionally to your new‑build home is called meerwerk (optional upgrades). For example:</p><ul><li>moving power outlets and light points</li><li>an extension or dormer that wasn’t part of the original design</li><li>with a shell (casco) delivery: the kitchen and bathroom</li></ul><p>Did you know that with us you can finance up to 100% of the meerwerk through your mortgage? That’s convenient, it means you don’t have to pay these costs upfront with your own money (such as savings).</p>"}},{"componentType":"accordion","accordionList":[{"title":"Tip: Estimate your additional costs","richBody":{"value":"<p>Calculate in advance what you’ll need for the optional upgrades (meerwerk).<br />In 3 steps, you can make the most accurate estimate of the costs:</p><ul><li>Step 1 – Determine what extra work you want to have done.</li><li>Step 2 – Collect the quotes and invoices.</li><li>Step 3 – Create a cost overview.</li></ul>"}}]},{"componentType":"sectionTitle","title":"What if construction is delayed or costs increase along the way?"},{"componentType":"accordion","accordionList":[{"title":"Extending the construction deposit period","richBody":{"value":"<p>In almost all cases, a two‑year construction deposit is sufficient. If, due to exceptional circumstances, an extension is still needed, please contact us.</p>"}},{"title":"Construction costs or optional upgrades more expensive than expected","richBody":{"value":"<p>As long as you don’t exceed 100% of the appraised property value and your maximum mortgage amount, you can continue to pay the additional costs from your construction deposit. If you find yourself in this situation, feel free to call us and we’ll look into it together.</p>"}}]},{"componentType":"linkList","iconTitle":{"title":"More information"},"textLinks":[{"url":"/en/personal/mortgage/mortgage-calculator","text":"Calculate your maximum mortgage"},{"url":"/en/personal/mortgage/mortgage-advice","text":"Mortgage advice for expats"},{"url":"/en/personal/expats/mortgages/mortgage-step-by-step","text":"Mortgage step by step"},{"url":"/en/personal/mortgage/contact","text":"Plan orientation meeting"}]}]}}}