Do you want to buy a house, an apartment, a piece of land or build yourself? In this case, you need a solid financial partner in order to achieve your project. ING Luxembourg is there to help you draw up a personal financial plan and provide you with the necessary funds.

What is a home loan?

A home loan is long-term loan that is repayable in monthly instalments. It is the ideal financing method to:

  • purchase a plot of land;
  • buy a house or apartment;
  • build or make major renovations to a home.

What are the formulas for the home loan? 

When choosing a home loan at ING, you have the choice between several type of rates.

A loan adapted to your needs

Apart from the more common home loans, we also offer home loans that can be used for home improvement, like our Loan for energy efficiency renovations.

These loans can be taken out for a period of six months to ten years.

Do not hesitate to contact one of our experts for more information on these loans.

New: video appointment 

Do you want to receive personalised advice but don't have time to visit us? It is now possible to make a video appointment with one of our experts!

More frequently asked questions

The amount of the credit granted will depend:

  • on the amount you can allocate to the monthly repayments;
  • on the quality of the asset to be financed, which is used as collateral;
  • on your personal contribution.

Your financial resources must be sufficient to allow you to make your monthly payments, while ensuring a normal standard of living.

The repayments are monthly and begin the month after drawing down the home loan in full.

These monthly payments depend on things like the interest rate, the term and the amount of credit granted.

The interest rate on your home loan can be variable, reviewable fixed or fixed.

The maximum term for home loans is 30 years, in general the loan should preferably be repaid before retirement age. Depending on the type of interest rate you choose, different maximum terms may apply.

Any private individual, acting for private purposes and with sufficient stable income to be able to repay the loan without difficulty.

The usual guarantees are:

  • First home loan the real estate you would like to buy or build (the primary home loan);
  • debt balance insurance to cover the outstanding borrowing in case of the death of the insured;
  • fire insurance for the property subject to the home loan.

You can submit your application via any ING branch. Before visiting us you can always do an online simulation to get a first idea about your loan. 

When visiting us about a loan, we advise you to have the following documents to hand:

  • documents relating to income: pay slips, salary, pension, etc.;
  • ownership document, purchase agreement, sale agreement (depending on the case);
  • plans, specifications and the estimated conversion or construction cost;
  • if applicable, a copy of statements from other banks (proof of own funds, other income or existing loans);
  • photo of the item to be financed,
  • identity card(s) of applicant(s);
  • any other document you consider useful in processing your application.

Free guide to become a homeowner

How to manage your home loan online

Free up funds from your loan

  • Select the loan in question;
  • Click on the “Transfer” icon in the top left corner;
  • Select the account that you wish to release the funds to;
  • State the transfer amount;
  • Add the invoice corresponding to the payment;
  • Finally, confirm your request.

Download your debit interest certificate

  • Click on the “My accounts” icon in the top right of the screen;
  • Click on “My documents”;
  • Click on “Debit interest certificate”;
  • Select the loan in question;
  • Click on “Debit interest certificate” to open the document.

Change the name of your loan

  • Select the loan whose name you wish to change;
  • Click on the “+” icon in the top right corner;
  • Click on “Detail”, then “Configure”;
  • Click on “Edit”;
  • Write your chosen name;
  • Finally, confirm your request.

"ING POP" video on outstanding balance insurance

The video is available in French with English subtitle

Other useful links

Simulate your home loan or submit an application

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