Monthly special repayment for KfW 153?

2017-09-03 10:02:30

How do you know that the other loan is more expensive?

[emoji23][emoji23][emoji23]
You don't have to take the 153, you CAN!
And with a negative term of 10 years as well as this stupid interest-only year, he can therefore only score with his percentage.

2017-09-03 10:21:22

A negative term of 10 years? The KFW 153 has terms up to 30 years and fixed interest rates up to 20 years. Whether one views the up to 5 repayment-free years positively or negatively is up to each individual.

2017-09-03 10:34:02

A negative term of 10 years? The KfW 153 has terms up to 30 years and fixed interest rates up to 20 years. Whether one views the up to 5 years without repayment positively or negatively is up to each individual.

Sorry, I confused apples and oranges and had an 'old', meaning a pre-2016, 153 in mind.
Back then, it was only available for 10 years and with the sole advantage of the low interest rate.

2017-09-03 10:59:28

Objectively, you are right. But look at it from the other way around. If you have the possibility to make special repayments on the 153 within 4-5 years, the total burden would be nearly 400€ less all at once. So you then have the choice to put the now freed 400€ into the main loan or not.

Without actually calculating the data: I think it would only feel positive to have one less loan. Have you calculated all of this?

2017-09-03 16:27:12

Without calculating the data now: I think it would only be the feeling of having one less loan that is positive. Have you compared all that?

Yes, perhaps mathematically only the positive feeling is correct.

2017-09-03 17:59:05

I chose the 153 because it has government benefits and is very flexibly repayable.

Monthly special repayment for KfW 153?

ypg

Jay69

ypg

ypg

Zaba12

Bau-Schmidt