Are you setting up your own business? · Crowdfunding Sometimes a conventional loan is not the best...
2
Are you setting up your own business? The ING starter package will give you a head start! ing.be/starters 1 The offers for ING starter advantages are valid for all relevant products and services taken out from 15/09/2016 to 14/09/2017 (subject to acceptance by ING Belgium (or, in the case of insurance, by the relevant insurance company) and to mutual agreement) and are reserved exclusively for starters (the self-employed and business people who have had their CBE number for a maximum of 18 months). Each offer is limited to one discount per person for each product or service, and cannot be combined with other advantages for the same product or service. The terms and conditions of the offers, the general terms and conditions for the various products and services, as well as the rates and the charges for the associated operations are available at www.ing.be/starters and from any ING branch. 2 A Green ING Account is a current account for adult private individuals. The opening via an ING branch and signing of the contract to open an account at an ING branch (subject to acceptance by ING and to mutual agreement) are free of charge. The annual charge amounts to 10 euros a year (not liable to VAT) for the management fees and to 20 euros a year (including VAT) for the other services. Charges valid as at 01/09/2016, variable subject to prior notice. 3 An ING Corporate Plus Account is a current account for legal entities acting for professional purposes. The opening via an ING branch and signing of the contract to open an account at an ING branch (subject to acceptance by ING and to mutual agreement) are free of charge. The account management fees amount to 10 euros per year (not liable to VAT) and an annual flat charge of 70 euros per year (plus VAT). Rates valid as at 01/09/2016, variable subject to prior notice. 4 An ING Business MasterCard is reserved exclusively for business purposes. Offer subject to acceptance of your file by ING Belgium and mutual agreement. 5 The Business'Bank and ING Smart Banking services are available free of charge (save the charges of your telecom operator) for all holders of a Business'Bank and ING Smart Banking subscription (subject to acceptance by ING and to mutual agreement). The terms and conditions of the Business'Bank and ING Smart Banking services (general terms and conditions of the Business'Bank and ING Smart Banking services as well as the General Regulations of ING, ING's rates for transactions and any other additional information) are available at www.ing.be, at your ING branch or by calling 02 464 60 04. 6 The offer of ING Merchant Services, ING Active Pay and payconiq is valid subject to acceptance by ING Belgium SA/nv and, where appropriate, payconiq nv, and to mutual agreement. The terms and conditions of the services (general terms and conditions, rates and all other supplementary information) are available from any ING branch and at ing.be. The ‘payconiq’ services are provided by ING Bank SA/nv (Registered office: Bijlmerplein 888, 1102 MG Amsterdam, Amsterdam Trade Register n° 33031431) and offered via ING Belgium SA/nv (a partner of payconiq nv). Rates valid as at 01/09/2016 and variable subject to prior notice. 7 The offer of ING Invoice Solutions is valid subject to acceptance by ING Belgium SA/nv and to mutual agreement. The terms and conditions of the services (general terms and conditions, rates and any other supplementary information) are available from any ING branch and at www.ing.be. Rates valid as at 01/09/2016 and variable subject to prior notice. The ING Invoice Solutions services are provided by Basware nv (Registered office: Ninovesteenweg 196, 9320 Erembodegem - VAT BE 0500.813.770 - IBAN BE62 36310600 3761 - BIC BBRU BE BB) and offered by ING Belgium nv (partner of Basware Belgium nv). 8 Offer only valid for an ING Invoice Solutions subscription taken out from 15/09/2016 to 14/09/2017 inclusive. Offer limited to one ING Invoice Solutions subscription per starter. This offer cannot be combined with other promotions for the same service. Offer reserved for starters who do not yet have an ING Invoice Solutions subscription. 9 An ING Business Line is an instalment loan reserved exclusively for professional purposes. Offer subject to acceptance of your file by ING Belgium. 10 An ING Business Loan is an instalment loan reserved exclusively for professional purposes. Offer subject to acceptance of your file by ING Belgium. 11 Offer only valid for an ING Business Line or ING Business Loan taken out from 15/09/2016 to 14/09/2017 inclusive. Offer limited to one ING Business Line or ING Business Loan per starter. This offer cannot be combined with other promotions for the same service. Offer reserved for starters who do not yet have an ING Business Line or ING Business Loan. 12 Refunded during the first 24 months of the contract. Offer valid subject to acceptance of your file by the insurance company and only valid on conclusion of an ING Guaranteed Income and/or ING Private Supplementary Pension for the Self-Employed contract from 15/09/02016 to 14/09/2017. Offer limited to one discount per ING Guaranteed Income and/or ING Private Supplementary Pension for the Self-Employed contract. 13 The Private Supplementary Pension for the Self-Employed offered by NN Insurance Belgium nv is for business people. It is a branch 21 life insurance policy with a savings component (savings insurance) with guaranteed capital and is built up through the net premiums paid in which are capitalised at a guaranteed rate applied to each premium. The current interest rate is 1.25%, but the insurer may change this percentage depending on market conditions. Entry fees: 6.5% on the premiums. Such charges are variable. Rate valid as at 03/02/2016 and variable subject to prior notice. Redemption charges: 5%, scaled down over the last five years of the contract. Offer valid subject to acceptance of your file by NN Insurance Belgium nv and to mutual agreement. For the terms and conditions please read the product info sheet as well as the general terms and conditions. They are available from any ING branch and on www.ing.be. The advantages in respect of taxes and social security contributions depend on your personal situation and the legislation. The Private Supplementary Pension for the Self- Employed premium depends on your personal circumstances and the legal limits. The income on which the contributions are based is the net income of the third calendar year prior to the year for which contributions are due (reference year). The annual premium is 8.17% of the indexed taxable net professional income of three years ago, with a minimum of 600 euros and maximum of 3,060.07 euros for 2016. ING Guaranteed Income and the ING Private Supplementary Pension for the Self-Employed are (subject to acceptance by the insurer) offered: Insurance agent ING Belgium SA/nv, an insurance agent registered with the FSMA under the code number 12381A. Registered office: Marnixlaan 24, B-1000 Brussels - www.ing.be - Brussels RPM/RPR - VAT BE 0403.200.393 - BIC: BBRUBEBB - IBAN: BE45 3109 1560 2789. Insurer NN Insurance Belgium nv, an insurance company, approved by the NBB under the code number 2550. Registered office: Airport Plaza – Montreal Building, Da Vincilaan 19, 1831 Diegem – www.nn.be Brussels RPM/RPR – VAT BE 0890.270.057 – BIC: BBRUBEBB - IBAN: BE28 3100 7627 4220. ING Belgium SA/nv – Bank/Lender – Avenue Marnix 24, B-1000 Brussels – Brussels RPM/RPR – VAT: BE 0403.200.393 – BIC: BBRUBEBB - IBAN: BE45 3109 1560 2789. Insurance agent, registered with the FSMA under the number 12381A – www.ing.be – Publisher: Inge Ampe – Cours St-Michel 60, B-1040 Brussels – Z30034E - 09/16. Interested in finding out about the ING starters package? Do you have any queries or would you like more information? Go to ing.be/starters. Regularly check on ing.be/my-business for practical start-up tips, inspiration and ideas to make your business a success. Z30034E_Folder_US_Starters.indd 1-4 07/09/16 14:52
Transcript of Are you setting up your own business? · Crowdfunding Sometimes a conventional loan is not the best...
Are you setting up your own business?The ING starter package will give you a head start!
ing.be/starters
1 The offers for ING starter advantages are valid for all relevant products and services taken out from 15/09/2016 to 14/09/2017 (subject to acceptance by ING Belgium (or, in the case of insurance, by the relevant insurance company) and to mutual agreement) and are reserved exclusively for starters (the self-employed and business people who have had their CBE number for a maximum of 18 months). Each offer is limited to one discount per person for each product or service, and cannot be combined with other advantages for the same product or service. The terms and conditions of the offers, the general terms and conditions for the various products and services, as well as the rates and the charges for the associated operations are available at www.ing.be/starters and from any ING branch.
2 A Green ING Account is a current account for adult private individuals. The opening via an ING branch and signing of the contract to open an account at an ING branch (subject to acceptance by ING and to mutual agreement) are free of charge. The annual charge amounts to 10 euros a year (not liable to VAT) for the management fees and to 20 euros a year (including VAT) for the other services. Charges valid as at 01/09/2016, variable subject to prior notice.
3 An ING Corporate Plus Account is a current account for legal entities acting for professional purposes. The opening via an ING branch and signing of the contract to open an account at an ING branch (subject to acceptance by ING and to mutual agreement) are free of charge. The account management fees amount to 10 euros per year (not liable to VAT) and an annual flat charge of 70 euros per year (plus VAT). Rates valid as at 01/09/2016, variable subject to prior notice.
4 An ING Business MasterCard is reserved exclusively for business purposes. Offer subject to acceptance of your file by ING Belgium and mutual agreement.
5 The Business'Bank and ING Smart Banking services are available free of charge (save the charges of your telecom operator) for all holders of a Business'Bank and ING Smart Banking subscription (subject to acceptance by ING and to mutual agreement). The terms and conditions of the Business'Bank and ING Smart Banking services (general terms and conditions of the Business'Bank and ING Smart Banking services as well as the General Regulations of ING, ING's rates for transactions and any other additional information) are available at www.ing.be, at your ING branch or by calling 02 464 60 04.
6 The offer of ING Merchant Services, ING Active Pay and payconiq is valid subject to acceptance by ING Belgium SA/nv and, where appropriate, payconiq nv, and to mutual agreement. The terms and conditions of the services (general terms and conditions, rates and all other supplementary information) are available from any ING branch and at ing.be. The ‘payconiq’ services are provided by ING Bank SA/nv (Registered office: Bijlmerplein 888, 1102 MG Amsterdam, Amsterdam Trade Register n° 33031431) and offered via ING Belgium SA/nv (a partner of payconiq nv). Rates valid as at 01/09/2016 and variable subject to prior notice.
7 The offer of ING Invoice Solutions is valid subject to acceptance by ING Belgium SA/nv and to mutual agreement. The terms and conditions of the services (general terms and conditions, rates and any other supplementary information) are available from any ING branch and at www.ing.be. Rates valid as at 01/09/2016 and variable subject to prior notice. The ING Invoice Solutions services are provided by Basware nv (Registered office: Ninovesteenweg 196, 9320 Erembodegem - VAT BE 0500.813.770 - IBAN BE62 36310600 3761 - BIC BBRU BE BB) and offered by ING Belgium nv (partner of Basware Belgium nv).
8 Offer only valid for an ING Invoice Solutions subscription taken out from 15/09/2016 to 14/09/2017 inclusive. Offer limited to one ING Invoice Solutions subscription per starter. This offer cannot be combined with other promotions for the same service. Offer reserved for starters who do not yet have an ING Invoice Solutions subscription.
9 An ING Business Line is an instalment loan reserved exclusively for professional purposes. Offer subject to acceptance of your file by ING Belgium.
10 An ING Business Loan is an instalment loan reserved exclusively for professional purposes. Offer subject to acceptance of your file by ING Belgium.
11 Offer only valid for an ING Business Line or ING Business Loan taken out from 15/09/2016 to 14/09/2017 inclusive. Offer limited to one ING Business Line or ING Business Loan per starter. This offer cannot be combined with other promotions for the same service. Offer reserved for starters who do not yet have an ING Business Line or ING Business Loan.
12 Refunded during the first 24 months of the contract. Offer valid subject to acceptance of your file by the insurance company and only valid on conclusion of an ING Guaranteed Income and/or ING Private Supplementary Pension for the Self-Employed contract from 15/09/02016 to 14/09/2017. Offer limited to one discount per ING Guaranteed Income and/or ING Private Supplementary Pension for the Self-Employed contract.
13 The Private Supplementary Pension for the Self-Employed offered by NN Insurance Belgium nv is for business people. It is a branch 21 life insurance policy with a savings component (savings insurance) with guaranteed capital and is built up through the net premiums paid in which are capitalised at a guaranteed rate applied to each premium. The current interest rate is 1.25%, but the insurer may change this percentage depending on market conditions. Entry fees: 6.5% on the premiums. Such charges are variable. Rate valid as at 03/02/2016 and variable subject to prior notice. Redemption charges: 5%, scaled down over the last five years of the contract. Offer valid subject to acceptance of your file by NN Insurance Belgium nv and to mutual agreement. For the terms and conditions please read the product info sheet as well as the general terms and conditions. They are available from any ING branch and on www.ing.be. The advantages in respect of taxes and social security contributions depend on your personal situation and the legislation. The Private Supplementary Pension for the Self-Employed premium depends on your personal circumstances and the legal limits. The income on which the contributions are based is the net income of the third calendar year prior to the year for which contributions are due (reference year). The annual premium is 8.17% of the indexed taxable net professional income of three years ago, with a minimum of 600 euros and maximum of 3,060.07 euros for 2016.
ING Guaranteed Income and the ING Private Supplementary Pension for the Self-Employed are (subject to acceptance by the insurer) offered:
Insurance agent ING Belgium SA/nv, an insurance agent registered with the FSMA under the
code number 12381A. Registered office: Marnixlaan 24, B-1000 Brussels - www.ing.be - Brussels RPM/RPR - VAT BE 0403.200.393 - BIC: BBRUBEBB - IBAN: BE45 3109 1560 2789.
Insurer NN Insurance Belgium nv, an insurance company, approved by the NBB
under the code number 2550. Registered office: Airport Plaza – Montreal Building, Da Vincilaan 19, 1831 Diegem – www.nn.be Brussels RPM/RPR – VAT BE 0890.270.057 – BIC: BBRUBEBB - IBAN: BE28 3100 7627 4220.
ING Belgium SA/nv – Bank/Lender – Avenue Marnix 24, B-1000 Brussels – Brussels RPM/RPR – VAT: BE 0403.200.393 – BIC: BBRUBEBB - IBAN: BE45 3109 1560 2789. Insurance agent, registered with the FSMA under the number 12381A – www.ing.be – Publisher: Inge Ampe – Cours St-Michel 60, B-1040 Brussels – Z30034E - 09/16.
Interested in finding out about the ING starters package? Do you have any queries or would you like more information?
Go to ing.be/starters.
Regularly check on ing.be/my-business for practical start-up tips, inspiration and ideas to make your business a success.
Z30034E_Folder_US_Starters.indd 1-4 07/09/16 14:52
ING Guaranteed IncomeSuch insurance protects you from loss of income if you become ill or are unable to work. As a starter you will receive an annual refund12 of 50 euros for two years on your ING Guaranteed Income insurance premiums, subject to a minimum annual premium of 200 euros.
ING Private Supplementary Pension for the Self-Employed13 (‘PSPSE’) In this way you can insure your self-employed pension. You yourself choose how much to save and how often you pay in your contributions. In addition you will benefit from a tax advantage. Starters receive an annual refund12 of 50 euros for the first two years on the insurance premiums of a PSPSE.
Conventional loan packages• ING Business Line9, a credit line with an
indefinite term. This package offers extra room to manoeuvre to bridge temporary cash shortages or to fund your incorporation costs such as start up costs, corporation capital, etc. As a starter you will not pay any upfront fees for the first two years11.
• ING Business Loan10: an instalment loan for business spending or corporate funding (equipment, new machinery, land, buildings, take-overs, etc. ). Again, as a starter you will pay no upfront fees for the first two years11.
CrowdfundingSometimes a conventional loan is not the best option for you. In that case you can opt for crowdfunding, an alternative funding concept. Smaller amounts from private individuals or companies will help you to materialise your project. ING can put you in contact with the most appropriate crowdfunding platform.
Managing your payments Materialise your projects Optimise protection
Make use of our help on ing.be/businesscredit to find the right funding package for your professional requirements!
Free standard package for day-to-day banking• 2 free Green ING Accounts2 (one for private
use and one for business use) or one free ING Corporate Plus Account3 for both the current and the next year.
• One ING Business MasterCard4 free for one year, your credit card for professional spending.
• Free access to Business’Bank5 and the ING Smart’Banking5 app, our solution for online banking to manage your professional banking, wherever and whenever you like.
Payment solutions for your customersWith our range of payment terminals (ING Merchant Services6) you can accept payments with a bank or credit card in a trice. Starters who are often on the road or do not want to invest in a conventional terminal can benefit from a mobile solution for smartphones or tablets (ING Active Pay6). By means of innovative tools ING allows your customers to pay with their smartphone (payconiq6) and rewards them through a digital loyalty programme. Fast, easy and safe!
Managing your invoices Compile, send, monitor and manage invoices for your customers online... You can in a trice with ING Invoice Solutions7, a user-friendly online invoicing tool. It will save you considerable time and enable you to focus fully on your business as a starter. Starters receive a one-year 50% discount7 on the subscription costs for ING Invoice Solutions.
Are you starting your own business? ING will be happy to take up the challenge, from the outset to start up. The assistance of your personal Business Banker, practical online tools and the ING starters package with advantageous rates1 for day-to-day banking, loans and insurance will certainly give you a head start.
Your personal Business BankerDo you want to be sure that you are on the right path? Do you prefer to bounce some decisions off somebody else? In that case your Business Banker is there for you. He or she is your usual contact at ING, understands the specific features of your sector, can advise you and put you in contact with specialists both inside and outside ING.
ING Business Idea CalculatorAre you wondering whether your business idea will be successful? Test it with the ING Business Idea Calculator! This free web tool will give you an initial financial estimate and indicates whether it is worthwhile to go ahead with your idea.
Find out more information on ing.be/starters.
Z30034E_Folder_US_Starters.indd 5-8 07/09/16 14:52
