{"type":"document","data":{"id":"b94ad9c7-a407-4972-ac07-1bbf18a10c6f","localeString":"en-GB","publishDate":"2026-03-31T14:03:16.733+02:00","contentType":"onecms:subCategoryPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Knowledge & insights on living at ING Private Banking. Discover articles on housing market trends, taxation, investing, and sustainability – tailored to your life stage and goals."},"mainHeaderZone":{"componentType":"categoryHeader","backLink":{"textLink":{"url":"/en/private-banking/knowledge-and-insights","text":"Knowledge & insights"}},"coreHeader":{"title":"Living"}},"flexZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p>Living is more than just a roof over your head. It’s about making choices that match your life stage, goals, and vision for the future. On this page, you’ll find in-depth articles and insights to help you make well-informed housing decisions. From financing a second home to making your current home more sustainable through energy‑saving measures such as insulation, solar panels, or the use of sustainable building materials. Here you’ll find inspiration and expertise tailored to your situation. </p><ul><li><p>Trends in the housing market </p></li></ul><ul><li><p>Taxation and international perspectives </p></li></ul><ul><li><p>Investing and renting out property </p></li></ul>"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/e0e44dbf-8520-4ffa-9ae2-c9523ebb05b9/Large_Web-and-Screen-Woman-dances-at-home-with-dog","original":"https://assets.ing.com/m/42c020d0f0904426/original/Large_Web-and-Screen-Woman-dances-at-home-with-dog.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Spotlight"},{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"What you need to know about the villa tax","body":"An increasing number of homeowners are facing the villa tax. What is it, and what can you do about it?","image":{"transformBaseUrl":"https://assets.ing.com/transform/b9a46e0a-78e1-467d-8f5d-82c9b309f6b7/Woman-walking-home","type":"image","width":8192,"original":"https://assets.ing.com/m/2f1eb16b4232717e/original/Woman-walking-home.jpg","extension":"jpg"},"date":"2025-11-19","link":{"url":"/en/private-banking/knowledge-and-insights/living/villa-tax-explained"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Wealthy, yet opting for a mortgage: smart financing as DGA","body":"Discover why many DGAs choose financing that fits within their overall asset structure.","image":{"transformBaseUrl":"https://assets.ing.com/transform/28f5a38e-e651-4268-b029-7b2fc607430f/Medium_Office-365-and-Newsletters-Three-adult-people-in-business-clothing-walking-together-on-the-street-with-coffee-Exclusive-usage-for-ING-Private-Banking","type":"image","width":900,"original":"https://assets.ing.com/m/4b864e54bd92ea48/original/Medium_Office-365-and-Newsletters-Three-adult-people-in-business-clothing-walking-together-on-the-street-with-coffee-Exclusive-usage-for-ING-Private-Banking.jpg","extension":"jpg"},"date":"2025-09-10","link":{"url":"/en/private-banking/knowledge-and-insights/living/smart-financing-dga-mortgage"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"''A mortgage that looks beyond your salary''","body":"Read the interview with Jan Willem Bruel, Director Housing Private Banking DGA about the mortgage for director-major shareholders (DGAs).","image":{"transformBaseUrl":"https://assets.ing.com/transform/f2b2cdd8-0c80-4281-a243-5a2f630083f3/DGA-interview-landscape","type":"image","width":1928,"original":"https://assets.ing.com/m/1662210b87c47821/original/DGA-interview-landscape.png","extension":"png"},"date":"2025-09-15","link":{"url":"/en/private-banking/knowledge-and-insights/living/interview-director-housing-private-banking-dga"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Sustainable renovation of a historic property","body":"How do you approach sustainability in a historic property? We’ve listed the key points for you.","image":{"transformBaseUrl":"https://assets.ing.com/transform/a8dce0ba-e6a8-446b-b2a4-217ff7da6ecf/Young-friends-sit-on-the-pavement-outside-a-shop-and-chat","type":"image","width":5616,"original":"https://assets.ing.com/m/3d68b360f9c4c996/original/Young-friends-sit-on-the-pavement-outside-a-shop-and-chat.jpg","extension":"jpg"},"date":"2025-10-31","link":{"url":"/en/private-banking/knowledge-and-insights/living/sustainable-renovations-to-listed-buildings"}}]},{"componentType":"sectionTitle","title":"Also read"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"The holiday home in Box 3: what you need to know","intro":"A holiday home? Be aware of the tax implications – especially with the changes in Box 3.","image":{"transformBaseUrl":"https://assets.ing.com/transform/f0d9f6a2-2245-4e57-ad07-6701c59be0c5/Young-teenage-girl-sits-on-a-small-dock-at-dusk-looking-at-her-tablet","type":"image","width":5700,"original":"https://assets.ing.com/m/392f46652da652ab/original/Young-teenage-girl-sits-on-a-small-dock-at-dusk-looking-at-her-tablet.jpg","extension":"jpg"},"link":{"url":"/en/private-banking/knowledge-and-insights/living/holiday-home-box-3"}}]},{"componentType":"sectionTitle","title":"We think along with you"},{"componentType":"paragraph","richBody":{"value":"<p>Would you like to discuss the insights from these articles further? Schedule an appointment with one of our specialists. We’re happy to share our expertise and support you in achieving your housing goals. </p>"},"textLinks":[{"url":"/en/private-banking/customer-service","text":"Make an appointment"}]},{"componentType":"linkList","componentStyle":"default","iconTitle":{"title":"More knowledge and insights"},"textLinks":[{"url":"/en/private-banking/knowledge-and-insights/wealth-planning","text":"Wealth Planning"},{"url":"/en/private-banking/knowledge-and-insights/wealth-growth","text":"Wealth growth"},{"url":"/en/private-banking/knowledge-and-insights/entrepreneurship","text":"Entrepreneurship"},{"url":"/en/private-banking/knowledge-and-insights/news-and-inspiration","text":"News and inspiration"}]}]},"complementaryZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Make an appointment","intro":"Let's start a conversation.","image":{"transformBaseUrl":"https://assets.ing.com/transform/3e538078-976f-4b74-b49c-90d7cd895df2/Web-12","type":"image","width":307,"original":"https://assets.ing.com/m/1d41bac33a10b194/original/Web-12.svg","extension":"svg"},"link":{"url":"/en/private-banking/customer-service"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Log in to My ING","intro":"Quick insights into your financial situation","image":{"transformBaseUrl":"https://assets.ing.com/transform/33c4e3a2-7e3d-47a1-9c6f-1993eedcdb8c/Web-13","type":"image","width":307,"original":"https://assets.ing.com/m/5aecfb619a645cd6/original/Web-13.svg","extension":"svg"},"link":{"url":"https://mijn.ing.nl/login"}}]}]}}}