The Zinsbindungsende is the point at which the agreed Zinsbindung of a property loan expires and the Restschuld has to be renegotiated or repaid.
From this date the Restschuld can be repaid in full without a Vorfälligkeitsentschädigung. Banks usually send a Prolongation offer months in advance; doing your own comparison is worthwhile.
Calculate your own rate: free annuity calculatorGeneral information, not investment or financial advice.