Special repayment calculator
How much interest and time do you save with a yearly special repayment (Sondertilgung)?
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Q & A
Frequently asked questions
What is a Sondertilgung?
A Sondertilgung is an extra payment on top of your regular monthly instalment that directly reduces the remaining balance. It lowers future interest and pays the loan off sooner.
How does this calculator work?
The special repayment is deducted from the balance at the end of every twelfth month, after the regular instalment. The monthly payment stays the same, so the term shrinks.
Does my loan allow special repayments?
That depends on your contract. 5 to 10% of the original loan per year is common, sometimes for a fee. Check the special repayment option in your loan agreement.