Allthewayup
2023-02-09 18:09:26
- #1
Hello forum members,
the following scenario:
A loan of 140k from 2018 with a 15-year fixed interest period and 1.67% interest, 3,x repayment (I don't know exactly). Due to special repayments (max. 14k annually possible), only about ~86k is currently outstanding. Let's assume we have 86k in the account to theoretically redeem the remaining debt. According to the loan contract, the settlement in case of early repayment is done according to the Aktiv-Passiv method. Is there currently any interest loss on the part of the bank to be claimed if the credited investment form is more lucrative? We estimate the administrative fee for the act itself at a flat rate of €750. What do the bankers among you say about the issue of the bank’s interest loss and the amount of the administrative fee for this process?
Does it even make sense to redeem the loan or is it better to invest the money with the bank at 3.2% fixed for 5 years (then the first termination right exists – after 10 years)? Due to joint assessment, the double exemption amount for capital gains tax applies and there are no other interest earnings otherwise. I have the feeling that I am forgetting something (serious) in the calculation, which is why I am asking the question here.
Thanks in advance for your suggestions/answers.
the following scenario:
A loan of 140k from 2018 with a 15-year fixed interest period and 1.67% interest, 3,x repayment (I don't know exactly). Due to special repayments (max. 14k annually possible), only about ~86k is currently outstanding. Let's assume we have 86k in the account to theoretically redeem the remaining debt. According to the loan contract, the settlement in case of early repayment is done according to the Aktiv-Passiv method. Is there currently any interest loss on the part of the bank to be claimed if the credited investment form is more lucrative? We estimate the administrative fee for the act itself at a flat rate of €750. What do the bankers among you say about the issue of the bank’s interest loss and the amount of the administrative fee for this process?
Does it even make sense to redeem the loan or is it better to invest the money with the bank at 3.2% fixed for 5 years (then the first termination right exists – after 10 years)? Due to joint assessment, the double exemption amount for capital gains tax applies and there are no other interest earnings otherwise. I have the feeling that I am forgetting something (serious) in the calculation, which is why I am asking the question here.
Thanks in advance for your suggestions/answers.