ING is fully entering the mortgage war that has been waged by medium-sized banks and digital entities in recent months with the aim of attracting new customers. On September 13, Ibercaja reduced all its fixed and mixed-rate loans and Bankinter responded by reducing the interest on its 15, 20, 25 and 30-year fixed-rate loans. Before the summer, Banco Santander, Unicaja, Kutxabank, Cajamar, Caja de Ingenieros and Cajasiete-Caja Rural also reduced the cost of their loans in order to adapt to the rate cuts by the European Central Bank (ECB) and the fall in the Euribor.
The Dutch bank has applied a new reduction in the Fixed tranche of their mixed mortgages with a reduction of up to 0,20% at the initial interest rate. The ORANGE Mortgage allows you to enjoy a fixed stretch of up to 20 yearswhile the amortization period can be extended up to 40 yearswhich makes it easier to adjust the monthly fee to the client’s financial capabilities.
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No commissions or associated fees: Does not include notary, agency or registration fees, nor commissions for opening, change of conditions or subrogation.
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100% online process: From the request to the signature, the process is completely digital, guaranteeing speed and convenience, with the support of a personal manager who offers assistance through the channel that the client prefers.
Incentives for energy efficiency
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ING also offers additional discounts for those properties with energy certificate highly rated:
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0.10% discount in mortgages for properties with energy certificates A o B.
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Additional discount of 0.05% for properties with certificate CING being the first bank to offer this incentive for this classification.
These measures are part of the bank’s sustainability strategy, which seeks to promote energy efficiency and facilitate access to more environmentally friendly housing.
