{"type":"document","data":{"id":"3925db90-307f-44c3-9e8c-5fe371440872","localeString":"en-GB","publishDate":"2026-04-13T14:10:41.087+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"An overview of the different mortgage types and their corresponding repayment methods."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"When you took out your mortgage, you chose a specific repayment method. On this page, you will find an overview of the different mortgage types and their corresponding repayment methods.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/c87a89c9-a230-4d37-8002-17b03412e316/Elderly-woman-sitting-next-to-a-tree-on-the-ground-behind-her-laptop","type":"image","width":6000,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/54577758633120d1/original/Elderly-woman-sitting-next-to-a-tree-on-the-ground-behind-her-laptop.jpg","extension":"jpg"},"title":"When do you repay your mortgage?","subtitle":"Overview of mortgage types and repayment methods"},"backLink":{"textLink":{"url":"/en/personal/mortgage/your-mortgage","text":"Your ING mortgage"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","title":"Overview of mortgage types and repayment methods","richBody":{"value":"
Repayment methodMortgage type
MonthlyLinear mortgage
Annuity mortgage
At the end date
With guaranteed capital		Savings mortgage
Banksavingsmortgage
Maatwerk mortgage*
Optimaal mortgage*
Flexibel Groei mortgage*

At the end date

With capital and uncertain return

Maatwerk mortgage
Optimaal mortgage
Flexibel Groei mortgage
Leven mortgage
Investment mortgage
Fondsenmix mortgage
Meerwaarde mortgage
Vermogensplanning mortgage

At the end date

With own funds

Interest only mortgage
Credit mortgage

*If you invest 100% in the ING Mortgage Interest Fund Capital, you build capital based on a guaranteed return.

Good to know: Your mortgage may consist of multiple mortgage types.

"}},{"componentType":"paragraph","title":"1. You repay monthly","richBody":{"value":"

In this situation, you have chosen to repay your total mortgage debt or part of it during the term. By making monthly repayments, your mortgage debt gradually decreases. At the end date, you are assured that your mortgage (or part of it) is fully repaid.

"}},{"componentType":"paragraph","title":"2. You build capital with a guaranteed return","richBody":{"value":"

You have chosen an amount to repay at the end date. You deposit a monthly amount that earns a guaranteed return. During the term, your mortgage debt remains the same. At the end date, you use the accumulated amount to repay your mortgage fully or partially. If your chosen end capital is lower than the mortgage debt, you’ll have a residual debt to repay with your own funds.

"}},{"componentType":"paragraph","richBody":{"value":"

Mortgage types

* If you invest 100% in the ING Mortgage Interest Fund Capital, you build capital based on a guaranteed return.

"}},{"componentType":"paragraph","title":"3. You build capital with an uncertain return","richBody":{"value":"

Here, you also deposit periodically or make a one-time payment at the start. However, you are not guaranteed to keep your investment or reach your target capital. You must ensure you can cover any residual debt at the end date. Your capital overview shows exactly how much you have built up.

"}},{"componentType":"paragraph","richBody":{"value":"

Hypotheekvormen

"}},{"componentType":"paragraph","title":"4. You repay at the end date with your own funds","richBody":{"value":"

During the term, you don’t make repayments or deposits for capital growth. You must ensure you have the amount needed to repay your mortgage at the end date—through savings, investments, or proceeds from selling your home. If you don’t build capital, you risk being unable to repay your mortgage and having a residual debt.

"}},{"componentType":"paragraph","richBody":{"value":"

Mortgage types

"}},{"componentType":"paragraph","title":"Mortgage Advice Line","richBody":{"value":"

Do you have questions about the options and implications for your situation? Call 020 22 888 88. We’re happy to help you on weekdays from 8:30 AM to 5:00 PM. You can also contact an intermediary.

"}},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"url":"/en/personal/mortgage/your-mortgage/how-to-make-additional-repayments-on-your-mortgage","text":"Additional repayment"},{"url":"/en/personal/mortgage/your-mortgage/full-early-repayment","text":"Full repayment"}]},{"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"}]}]}}}