Apply successfully for the ING loan in Germany ✅

Preselected is “freie Verwendung” (free use). If you leave it that way, you do not have to send the bank a proof of the money use.
If you choose “Auto / Motorrad” (car/motorcycle) or “Wohnen” (living), you receive a cheaper interest rate, but you have to prove the use through a purchase contract (vehicle) or bills for the housing equipment/renovation. The subject debt rescheduling is tackled here and the ING does not offer commercial loans.

You enter here how much money you want as a loan. In the form, you can enter lower amounts than Euros 5,000 or higher than Euros 50,000, but the loan will not be provided by the ING (it currently only grants loans within the above mentioned amounts).

The longer the repayment phase (term), the lower the monthly installment.
Advice: The probability of a loan approval increases with the term. The ING grants loans up to 7 years (84 months) … even if you can state a longer term in the online application.
It is very practical that you are immediately shown the monthly installment.

Preselected is that no further borrower is added. That means: you apply alone for the loan.
A 2nd borrower increases the creditworthiness, if a second income is included in the calculation. This is a classic case for married couples. However, you can also apply for a loan together with a different person. At the ING, these persons must be registered at the same address. If the second person does not have an own income (for example wife, who takes care of the children), then this won’t help. The borrower no. 1 should always be the person with the higher income.

Very easy: You state who you are and how to contact you.
Important: Enter all you given names and family names as stated on the ID or passport. This is important for the latter legitimating.
If your telephone number is not a German one, then you have to add the country code. For example 0048 for Poland (“00” instead of “+”).
Then you have to tick the first box; the second is voluntary, if you want to receive the newsletter and further offers (advertisement).

The first field is optional. The other fields are self-explanatory? If not, then just ask using the comments feature at the end of the page. Birth country and citizenship can be chosen from the menu.
Choosing the marital status only has an effect at “married”. All the other possibilities are calculated as “single”.

When you enter your address, it is immediately verified.

At the country, “Deutschland” (Germany) is preselected and cannot be changed, as the ING does not grant loans to the abroad.
If you live less than two years at the current address, then you have to state the previous address too. For this, new fields open automatically.

State how many adults and how many children live in your home.
Important: Only state the number of children for whom you receive child support or you have to maintain. A lump-sum is deducted for every person in the calculation, so that homes with few people have an advantage.
If you live “mietfrei” (not paying rent), you do not have to state further data. At “zur Miete” (paying rent) and “bei den Eltern” (living with parents), the costs for the appartment are stated – including the ancillary costs!
Who lives “im Wohneigentum” (owner of home), has to state further dara, such as square meters and possibly real estate financing.

If you own real estate and earn income through it (income from rent), then please state it here. This increases the creditworthiness. If you do not have a property, then skip this field.

Choose your employment contract. Arbeitslos (unemployed), Hausfrau/Hausmann (housewife/houseman) and Sonstiges (others) are the options with the worst chances!

It is self-explanatory that a full-time job will give you many important points in the creditworthiness assessment. 😉

If your industry is not named, then choose the most similar one. Handwerk/Handel (handicraft/merchandise) is a better term than Sonstige … (others) from the perspective of creditworthiness.

There are different types of pensions that you can choose above. Then you state the beginning of the pension and whether it is a permanent or limited pension, as well as the country from where the pension is paid.

In the ideal case, you work permanently since at least 6 months or longer at that employer. This also applies to the second borrower. If this is not the case, then continue anyway. It is about the complete assessment!
The address of the employer also has to be stated.

State the monthly net income from your main job. This is often, but not always, the amount that is transferred to your current account (amount of payment). If the payments differ monthly, then state the lowest amount of the last 3 months and tick no at the question below ⟶ positive surprise for the loan processing!

Sideline jobs can vary a lot. If you click on the selection-buttons Nebenjob (sideline job), geringfügige Beschäftigung (marginal employment), Minijob (mini-job) or Selbstständiger / Freiberufler (self-employed/ freelancer), the selection below will change.
Important: Only state income that you can prove! As a proof, salary slips and/or bank statements are accepted.
Additional income increases the creditworthiness.

If you increase the amount of children that receive child support using the button, then the current child support (from Germany) is automatically calculated.

State all income that you receive. This option can be repeated for every different income. Each income helps you in the expenditure account. Please always remember- Everything must be provable!

The expenditures per car or motorcycle are calculated with a lump-sum. Other expenditures are optional or are only stated, if they apply: building society rate, child maintenance, spousal maintenance (if living separately), life insurance rate, leasing rate(s), health insurance only at officers and self-employed persons (at the others it is already deducted from the income).

If yes, then only state loans that are mentioned here and are entered in the German Schufa.
Exception: no financing for real estate. These offset with the countervalue/rent savings/rent payment .

State the existing amount of loan, the monthly installment and the expected end of the loan. If you want to discharge the existing loan with the ING, then click on “Ja” (yes) at the corresponding question. Then the bank data of the old loan is stated there for the special repayment. At “Nein” (no), the existing loan will coexist with the new one.
If you have more than one active loan, click on the green button and you can enter another one.

Please click …

Please enter your account details to where the loan should be paid. It must be a current account in Germany, as the monthly installments will be debited from there.
You do not have an account in Germany yet? You can change that with this provider within 2–5 minutes.

The loan calculation can take up to one minute. The result could look like this. Agreed? Then click on zur Auszahlung (go to payment).

Documents such as the salary slip can be uploaded or submitted by mail. Moreover, you can make your identification (legitimating) using the videochat or download the coupon for the Post office. Simple and self-explainatory.

Would you have thought of applying for a loan at the Sberbank Direct by yourself? Probably not. You do not have to, even if there is an approval of the bank due to your data entry. You can choose freely. In the end, the interest rate (the table is arranged like this) is not the only selection criterion. The ING has e.g. one of the most generous rules at special repayments and one could even top up the loan later on!