Forward loan from November 2026 now

  • Erstellt am 2022-05-01 15:26:13
H

Hyponex

2022-05-07 14:13:32
  • #1


I would see it that way too... from 2026 to 2036 at 2.6%? What was the interest rate you have until 2031? And with special repayments in the next 9 years, you could possibly compensate a lot, and if the remaining debt is not too high, then it really does not matter whether the rate is at 2% or 5%...
 
B

Benutzer 1001

2022-05-07 16:47:32
  • #2
Like all the years before, the future is definitely uncertain.

We secured our loan with home savings contracts. The last 4 years I thought nonsense, why did I do that.. especially with 2.1% that is so much higher. Now I don't care. Lucky me.
 
J

JanCux20

2022-05-07 18:22:59
  • #3
The loan-to-value ratio will not change significantly anymore, as we have already paid down a substantial amount in recent years.

We are certainly saving something compared to the interest rate from 2014 when we finalized the current financing. Otherwise, we wouldn’t do it and let the current loan run for 15 years.
 
D

driver55

2022-05-07 19:12:14
  • #4

Then please provide some numbers. (The current interest rate would then have to be >2.6% in 2014 (2016?) for 15 years. :rolleyes:
And why 2014 now? A few hours ago it was 2016. :rolleyes:
Or did the repayment only start in 2016?
 
Y

ypg

2022-05-07 19:41:28
  • #5
Do it! For completeness and comparison: in July 21 we received an offer of 0.99%. Now, mid-April 2.04% (10 years from 2023). You can get the curves of the last 15 years and enter the values of the last 2 months. Then you'll see what is doing well! Under 3 is just perfect :)
 
J

JanCux20

2022-05-07 21:22:46
  • #6


No, I won’t provide numbers. But you can believe me that our follow-up financing has a lower interest rate than the original financing. Or you can drop it. That’s fine by me.

Concluded 08/2014, total payout in 02/2016, thus termination possible in 08/2026.

You don’t have to question everything and indirectly make others look stupid.
 

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