House ready - When to start repayment

  • Erstellt am 2020-07-15 10:47:49

face26

2020-07-15 12:03:28
  • #1


My statement referred purely to the calculative advantage. And that is of course better the earlier you start.
The OP has already indicated that the financial means are sufficient.
Furthermore, he did not talk about returning unused funds as special repayments; he still has those funds anyway.
It is only about the start of the repayment. Since otherwise a provision interest rate threatens here, the monthly liquidity difference is negligible anyway, because between "interest on already drawn loan + provision interest on undrawn loan" and the final total rate there is usually not much difference.

Otherwise, I refer to my actual statement:

 

Altai

2020-07-15 16:10:44
  • #2
My bank would probably not have disbursed larger amounts without the invoice at least. I would probably proceed "regularly" (that is, wait for the invoices) and immediately apply the amounts I am not repaying yet as a special repayment as soon as possible. Or would you always fully use the special repayment anyway?
 

HilfeHilfe

2020-07-15 17:38:59
  • #3
First ask if the bank allows it. They first want to see invoices. Usually, a flat amount x can be withdrawn.
 

Tx-25

2020-07-15 17:39:35
  • #4
Otherwise, we would not fully utilize the special repayment. Since we can only make this once a year, I would wait with it until the end of the year regardless of the available money.
 

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