{"type":"document","data":{"id":"af145439-e696-4cda-8c54-5cdf10b312e8","localeString":"nl-NL","publishDate":"2026-04-22T16:25:52.063+02:00","contentType":"onecms:subCategoryPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Veelvoorkomende situaties bij een hypotheek"},"mainHeaderZone":{"componentType":"categoryHeader","backLink":{"textLink":{"url":"/particulier/hypotheek","text":"Een hypotheek bij ING"}},"coreHeader":{"title":"Huis kopen","subtitle":"Nieuwe koopwoning? Of juist je eerste? Spannend! We geven je graag wat houvast."}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Jouw woonwensen werkelijkheid laten worden?"},{"componentType":"paragraph","richBody":{"value":""}},{"componentType":"promotionalBanner","icon":{"transformBaseUrl":"https://assets.ing.com/transform/bc98b812-1d22-4f9a-8c54-0a560ae59f41/Circle-Keys-9","type":"image","width":64,"original":"https://assets.ing.com/m/de63ea5d47373bc/original/Circle-Keys-9.svg","extension":"svg"},"body":"Ontdek wat verduurzamen van je huis kost en oplevert.","date":{},"textLink":{"url":"/particulier/hypotheek/duurzaam-wonen/upgrade-check","text":"Doe de Upgrade Check"}},{"componentType":"sectionTitle","title":"Huis kopen in 5 stappen"},{"componentType":"paragraph","richBody":{"value":"

Of je nu nog huurt of van plan bent je woning (met overwaarde) te verkopen, er komt veel op je af bij het kopen van een huis.

Met welke stappen kan je rekening houden?

"}},{"componentType":"accordion","accordionList":[{"title":"Stap 1: Oriëntatie","richBody":{"value":"

Het begint met je woonwensen. Enkele tips:

"}},{"title":"Stap 2: Bieden","richBody":{"value":"

Ga je zonder makelaar op huizenjacht? Check dan hoe je het bezichtigen en bieden slim aanpakt.

Enkele tips:

"}},{"title":"Stap 3: Advies","richBody":{"value":"

Is je bod geaccepteerd of ben je ingeloot voor een nieuwbouwproject? Dan hoor je in je persoonlijk adviesgesprek of je je hypotheek kan krijgen, zodat het huis ook echt van jou wordt.

Kort samengevat:

Tip: de advieskosten zijn fiscaal aftrekbaar. Die betaal je overigens pas nadat je een adviesovereenkomst hebt ondertekend.

"}},{"title":"Stap 4: Offerte","richBody":{"value":"

Je bent er nu bijna:

Ben je akkoord? Dan teken je je offerte en hypotheekadviesrapport. Je hypotheek is rond!

"}},{"title":"Stap 5: Notaris","richBody":{"value":"

Je laatste stap voordat je de sleutels van je nieuwe huis in ontvangst kan nemen:

De koper kiest de notaris uit. Dit kan je zelf doen óf via ons tegen een gunstig tarief.

"}}]},{"componentType":"sectionTitle","title":"Gratis oriënterend hypotheekgesprek?"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Ik ben ING-klant","intro":"Log in en regel je afspraak direct","image":{"transformBaseUrl":"https://assets.ing.com/transform/1c8f40ef-e91b-44bf-a9bb-e6ac61c43c4c/Locked_outline_orange_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/777d96b05d4b2a15/original/Locked_outline_orange_RGB.png","extension":"png"},"link":{"url":"/particulier/hypotheek/contact/afspraak-maken"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Ik ben geen ING-klant","intro":"Samen plannen we een geschikt moment","image":{"transformBaseUrl":"https://assets.ing.com/transform/12c97a75-760c-4c74-9d0a-68bf2fb02d34/Callcentre-Icon","type":"image","width":200,"original":"https://assets.ing.com/m/3db5df868eedf244/original/Callcentre-Icon.png","extension":"png"},"link":{"url":"https://www.ing.nl/particulier/hypotheek/contact/open-algemeen?subscrid=cmnl-mort-open-algemeen"}}]},{"componentType":"sectionTitle","title":"Direct inzicht"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Al een ING-hypotheek?","intro":"Vind wat je nodig hebt in 1 overzicht: zoals je hypotheek meenemen","image":{"transformBaseUrl":"https://assets.ing.com/transform/9c391c5e-b9cc-42db-b89d-7b11d025ba39/Service_hub","type":"image","width":814,"original":"https://assets.ing.com/m/2717b1ae6bd619ce/original/Service_hub.jpg","extension":"jpg"},"link":{"url":"/particulier/hypotheek/jouw-hypotheek"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Nieuwbouw","intro":"Check wat erbij komt kijken en ontdek verrassende nieuwbouwprojecten","image":{"transformBaseUrl":"https://assets.ing.com/transform/213ac611-b6b4-4391-83bb-810acbc41b78/A-woman-holds-a-colorful-kite-in-the-air-with-her-hand-in-the-garden","type":"image","width":8192,"original":"https://assets.ing.com/m/2f6f192fe41e8b86/original/A-woman-holds-a-colorful-kite-in-the-air-with-her-hand-in-the-garden.jpg","extension":"jpg"},"link":{"url":"/particulier/hypotheek/nieuwbouw"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Duurzaam wonen","intro":"Upgrade je (nieuwe) huis en verlaag je energieverbruik. Check welke subsidies er zijn.","image":{"transformBaseUrl":"https://assets.ing.com/transform/75a54ca7-bb53-4e57-ba38-a94426a0590f/dossier-sustainable-investment-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/d34f54e3eebfdb9/original/dossier-sustainable-investment-1920.jpg","extension":"jpg"},"link":{"url":"/particulier/hypotheek/duurzaam-wonen"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"ING in top 3 hypotheken","intro":"Onafhankelijk onderzoek laat zien: je krijgt bij ons de beste voorwaarden","image":{"transformBaseUrl":"https://assets.ing.com/transform/6b487825-b7d6-4b54-9b6b-b575cee7c889/Moneyview-2024-gezin-op-bank-met-logos","type":"image","width":1600,"original":"https://assets.ing.com/m/3cea9a24c66373dc/original/Moneyview-2024-gezin-op-bank-met-logos.png","extension":"png"},"link":{"url":"/particulier/hypotheek/huis-kopen/hypotheekvoorwaarden-moneyview"}}]}]},"freeHeaderZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Je eerste huis kopen","intro":"Ga aan de slag met onze tools, informatie en tips","image":{"transformBaseUrl":"https://assets.ing.com/transform/2a860eda-2233-469a-b88a-af7e1b5bd4a3/Laughing-young-woman-moving-into-a-new-home","type":"image","width":7250,"original":"https://assets.ing.com/asset/2a860eda-2233-469a-b88a-af7e1b5bd4a3/Laughing-young-woman-moving-into-a-new-home.jpg","extension":"jpg"},"link":{"url":"/particulier/hypotheek/huis-kopen/je-eerste-huis-kopen"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Een ander huis kopen","intro":"Alles voor een vlotte overgang naar je volgende koophuis","image":{"transformBaseUrl":"https://assets.ing.com/transform/0761f5f1-030a-443d-98ed-496a0e590cfa/Large_Web-and-Screen-Young-girl-walking-through-the-front-door-into-a-house","type":"image","width":1920,"original":"https://assets.ing.com/asset/0761f5f1-030a-443d-98ed-496a0e590cfa/Large_Web-and-Screen-Young-girl-walking-through-the-front-door-into-a-house.jpg","extension":"jpg"},"link":{"url":"/particulier/hypotheek/huis-kopen/ander-huis-kopen"}}]}]}}}