01 · Key points
What matters for this topic
Choose a suitable initial repayment rate
Check the balance at the end of the fixed-rate period
Assess the overall term realistically
Allow for overpayments
02 · Be prepared
Points you should not underestimate
- Repayments that are too low
- An unrealistic refinancing payment
- Looking only at the first monthly payment
03 · Documents
Commonly required documents
The documents actually needed depend on the lender, your plans and personal circumstances. The following are often useful for preparation:
04 · Practical example
What an assessment might look like
Slightly higher repayments can substantially reduce remaining debt. They make sense only if you retain a monthly buffer.
This example is illustrative only and is not a mortgage commitment or quotation of terms.05 · Frequently asked questions
Questions about Repayments, instalments and loan term
What repayment rate is right?+
It must fit your budget, age, fixed-rate period and target balance. The optimum is individual.
What happens after the fixed-rate period?+
The remaining debt is refinanced or reduced using your own funds. Include it in planning from the start.
Important information
The information on this page is general. It does not replace individual mortgage, legal or tax advice and is not a binding credit commitment. Requirements and terms are assessed individually.