{"type":"document","data":{"id":"6f40106b-8363-46af-bc83-a0b56e0392fb","localeString":"en-GB","publishDate":"2026-04-13T14:08:51.546+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Do you have a Savings mortgage with ING? When you start a new fixed interest rate period, your premium or deposit is often adjusted automatically. But sometimes you need to take action yourself."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"With your Savings mortgage, you have a savings policy into which you deposit money monthly (savings premium). At the end of the term, the accumulated amount is used to repay your Savings mortgage. Your choice for a new fixed interest rate period also affects your monthly savings premium:","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/40bccf7d-163e-47c4-8784-be5a9519dbef/Dog-begging-for-a-donut-from-a-young-man-on-stairs-in-front-of-a-house","type":"image","width":4707,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/2fc5d85806d1e206/original/Dog-begging-for-a-donut-from-a-young-man-on-stairs-in-front-of-a-house.jpg","extension":"jpg"},"title":"Your Savings mortgage and new fixed interest rate period"},"backLink":{"textLink":{"url":"/en/personal/mortgage/your-mortgage","text":"Your ING mortgage"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","title":"Impact on your Savings mortgage","richBody":{"value":"<ul><li><p><strong>Lower mortgage interest rate?</strong><br />You will also receive a lower <a href=\"https://www.ing.nl/en/personal/mortgage/current-mortgage-rates\">interest rate</a> on the saved amount. To still reach your savings goal, you need to deposit more each month. Note: this may increase your net monthly costs.</p></li><li><p><strong>Higher mortgage interest rate?</strong><br />The opposite happens. You willreceive a higher <a href=\"https://www.ing.nl/en/personal/mortgage/current-mortgage-rates\">interest rate </a>on the saved amount, so you need to deposit less each month to reach your savings goal.</p></li><li><p><strong>Choosing Active payment discount?</strong><br />You will pay a lower mortgage <a href=\"https://www.ing.nl/en/personal/mortgage/current-mortgage-rates\">interest rate</a> and also receive a lower interest rate on the saved amount. You need to deposit more each month to reach your savings goal. After you have informed us of your choice, your insurer will send you a statement of your new monthly premium.</p></li></ul>"}},{"componentType":"paragraph","title":"When can your net monthly costs increase?","richBody":{"value":"<p>It may seem strange: you choose a lower interest rate for the new fixed-rate period, but your net monthly costs go up. This can happen because with a lower interest rate, your savings premium increases significantly. The interest you pay is often tax-deductible, but the savings premium is not. If your savings premium rises enough, your net monthly costs may increase overall. Since your net monthly costs depend on mortgage interest deduction, we cannot indicate which fixed interest rate choice results in the lowest net monthly costs. Discuss this in advance with your <a href=\"https://www.ing.nl/en/personal/mortgage/mortgage-advice\">ING Mortgage advisor</a>, intermediary, or insurer.</p>"}},{"componentType":"paragraph","richBody":{"value":"<p> </p><p>In the table above, you can see for different savings mortgages whether:</p><ul><li>Your premium or deposit changes automatically</li><li>You need to take action</li></ul><p> </p>"},"alignedImage":{"position":"top","transformBaseUrl":"https://assets.ing.com/transform/c007c605-4e11-41b1-9b21-1f3b85f0be87/ING_uw_spaarhypotheek_en_nieuwe_rentevaste_periode_tcm162-54392","original":"https://assets.ing.com/m/351550a75f34a8a1/original/ING_uw_spaarhypotheek_en_nieuwe_rentevaste_periode_tcm162-54392.gif","extension":"gif"}},{"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"}]}]}}}