[{"data":1,"prerenderedAt":1129},["ShallowReactive",2],{"content-page:en:topics\u002Fdebt-restructuring":3,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F01_maxda-umschuldung-in-4-schritten_100p.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":1015,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F02_maxda-umschuldung-in-4-schritten_50p_rechts.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":1028,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F03_umschuldung-am-besten-mit-maxda_100p.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":1039,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F06_vorteile-der-umschuldung_50p_rechts.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":1048,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F07_vorteile-der-umschuldung_50p_rechts.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":1057,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F08_wichtige-fragen-zur-umschuldung_100p.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":1066,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F09_wie-laeuft-eine-umschuldung-ab_50p_links.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":1075,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F10_wonach-richtet-sich-hoehe-der-vorfaelligkeitsentschaedigung_50p_links.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":1084,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F11_wie-viel-geld-laesst-sich-bei-umschuldung-sparen_50p_rechts.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":1093,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F12_umschuldung-einer-baufinanzierung-wie-funktoiniert-das_50p_rechts.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":1102,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F13_sind-umschuldungen-guenstiger-als-andere-kredite_50p_links.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":1111,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F14_sind-umschuldungen-guenstiger-als-andere-kredite_50p_links.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":1120},{"page":4,"alternates":1010},{"id":5,"title":6,"asideNav":7,"backLink":44,"body":47,"description":995,"extension":105,"hero":996,"hidePageHeader":998,"locale":999,"meta":1000,"navigation":998,"pageKind":1001,"path":1002,"seo":1003,"seoDescription":1004,"seoTitle":1005,"slug":1006,"stem":1007,"translationKey":1008,"__hash__":1009},"pages\u002Fpages\u002Fen\u002Ftopics\u002Fdebt-restructuring.md","Debt Restructuring: Free Yourself from Your Burden!",[8,11,14,17,20,23,26,29,32,35,38,41],{"href":9,"label":10},"#Kredit-umschulden-zinsen-und-geld-sparen","Refinancing a loan saves interest and money",{"href":12,"label":13},"#Umschuldung-in-4-Schritten","MAXDA refinancing in 4 steps",{"href":15,"label":16},"#Umschulden-am-besten-mit-maxda","Refinancing – best with MAXDA",{"href":18,"label":19},"#Umschuldung-teuren-Kredit","Refinance an expensive loan with MAXDA",{"href":21,"label":22},"#Vorteile-Umschuldung","Advantages of refinancing",{"href":24,"label":25},"#Wichtige-Fragen-Umschuldung","Important questions about refinancing",{"href":27,"label":28},"#umschuldung-wie-laeuft-sie-ab","How does a refinancing work?",{"href":30,"label":31},"#umschuldung-wonach-richtet-sich-hoehe-vorfaelligkeitsentschaedigung","What determines the amount of the prepayment penalty?",{"href":33,"label":34},"#umschuldung-wie-viel-geld-laesst-sich-sparen","How much money can be saved by refinancing an overdraft?",{"href":36,"label":37},"#umschuldung-einer-baufinanzierung-wie-funktioniert-das","Refinancing a mortgage – how does it work?",{"href":39,"label":40},"#umschuldungen-guenstiger-als-andere-kredite","Are refinancings cheaper than other loans?",{"href":42,"label":43},"#umschuldung-nutzen-und-geld-sparen","Use refinancing and save money!",{"href":45,"label":46},"\u002Fen\u002Ftopics","back",{"type":48,"value":49,"toc":975},"minimark",[50,58,62,65,73,79,95,98,101,107,110,115,118,122,128,131,138,141,144,147,150,156,160,163,166,169,174,177,180,183,186,192,195,201,205,208,218,229,511,514,517,538,548,643,646,649,657,692,695,698,701,707,711,714,722,730,733,741,749,755,759,762,768,771,779,782,789,876,879,882,888,892,895,898,905,910,917,922,928,932,935,947,950,953,957,960,963,966,972],[51,52,54,10],"h2",{"id":53},"refinancing-a-loan-saves-interest-and-money",[55,56],"span",{"id":57},"Kredit-umschulden-zinsen-und-geld-sparen",[59,60,61],"p",{},"A refinancing is particularly sensible when the general level of credit interest rates has dropped significantly, as is currently the case. In many situations it is therefore cheaper to combine various outstanding liabilities or loans into a single item through refinancing.",[59,63,64],{},"For a refinancing you take out a cheap new loan and repay the previous liabilities with this amount. Refinancing can make your personal finances clearer and cheaper.",[66,67],"content-image",{"align":68,"alt":69,"provider":70,"size":71,"src":72},"center","MAXDA refinancing guide","none","lg","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F01_maxda-umschuldung-in-4-schritten_100p.png",[51,74,76,13],{"id":75},"maxda-refinancing-in-4-steps",[55,77],{"id":78},"Umschuldung-in-4-Schritten",[80,81,82,86,89,92],"ul",{},[83,84,85],"li",{},"1. Start the MAXDA loan calculator",[83,87,88],{},"2. Find a cheap loan for refinancing",[83,90,91],{},"3. Take out the refinancing loan and pay off the expensive loan",[83,93,94],{},"4. Pay only one monthly loan installment\\",[59,96,97],{},"You don't have to worry about anything! We take care of refinancing your old loans completely and free of charge.",[59,99,100],{},"\\",[66,102],{"align":103,"alt":104,"provider":70,"size":105,"src":106},"left","Refinancing guide at MAXDA","md","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F02_maxda-umschuldung-in-4-schritten_50p_rechts.png",[59,108,109],{},"Through refinancing you can save a lot of money, for example if you took out a loan years ago that is now well above the current interest rate level. Refinancing can also be worthwhile if you have several loans running in parallel, because combining them can save a lot of money. Having to service only one loan is not only clearer: depending on the situation, you also save real money because only modern interest rates apply to a single loan.",[111,112],"content-button",{"label":113,"to":114},"Request a loan","\u002Fanfrage",[59,116,117],{},"It is not uncommon to save several hundred euros with a refinancing! Our loan experts will gladly help you by phone or on site with your refinancing.",[66,119],{"align":68,"alt":120,"provider":70,"size":71,"src":121},"Refinancing - All info at MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F03_umschuldung-am-besten-mit-maxda_100p.png",[51,123,125,16],{"id":124},"refinancing-best-with-maxda",[55,126],{"id":127},"Umschulden-am-besten-mit-maxda",[59,129,130],{},"Car loans, personal installment loans and overdraft facilities are particularly suitable for effective refinancing.",[132,133,135,19],"h3",{"id":134},"refinance-an-expensive-loan-with-maxda",[55,136],{"id":137},"Umschuldung-teuren-Kredit",[59,139,140],{},"Which loan offer is best suited in the individual situation to secure the greatest possible advantages through refinancing? Friendly and experienced staff at the MAXDA service hotline provide comprehensive advice on refinancing. You will receive a non-binding offer for refinancing after your inquiry in the shortest possible time, free of charge and without obligation.",[59,142,143],{},"You can then calmly consider whether to take advantage of the refinancing opportunity. Many satisfied customers have already increased or completely restored their financial freedom thanks to the low-interest and customer-friendly refinancing loan offers from MAXDA.",[59,145,146],{},"With refinancing from MAXDA you benefit from the excellent contacts and experience of a renowned loan broker. Only the most favorable loan offers for refinancing are brokered to our customers.",[59,148,149],{},"If you are unsure whether you should refinance, you can first receive individual advice from MAXDA and include the non-binding offer as an important benchmark in your financial planning.",[132,151,153,22],{"id":152},"advantages-of-refinancing",[55,154],{"id":155},"Vorteile-Umschuldung",[66,157],{"align":103,"alt":158,"provider":70,"size":105,"src":159},"The advantages of refinancing","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F06_vorteile-der-umschuldung_50p_rechts.png",[59,161,162],{},"The overdraft facility on the account, usually referred to as \"overdraft\" (Dispo), is also a form of credit. Although this credit is characterized by high flexibility, it is expensive: overdraft interest rates are above average at banks.",[59,164,165],{},"If you exceed your overdraft month after month and pay high interest, it is difficult to escape this cycle. Incoming salary is then usually swallowed up immediately by the overdraft and the interest. A refinancing to balance the account is then particularly sensible: request your MAXDA refinancing loan now!",[59,167,168],{},"After successful approval and disbursement of the refinancing loan, you settle your account. You then repay the refinancing loan conveniently in small installments that you can agree individually with MAXDA.",[66,170],{"align":171,"alt":172,"provider":70,"size":105,"src":173},"right","All advantages of refinancing at MAXDA","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F07_vorteile-der-umschuldung_50p_rechts.png",[59,175,176],{},"Refinancing improves your creditworthiness: those who consolidate their debts and repay the old loans benefit from an improvement in creditworthiness, because each repaid loan has a positive effect on the Schufa score. If several loans are settled, this can sometimes be rated well. The total number of loans also decreases, which is another significant advantage.",[59,178,179],{},"Optimal planning, an overall overview of your finances, repay expensive loans, timely installments and communication with only one bank: all these advantages speak in favor of refinancing. MAXDA will be happy to advise you.",[59,181,182],{},"And as always with MAXDA: processing your loan request is free of charge, even in the event of a possible rejection you do not pay a cent!",[66,184],{"align":68,"alt":25,"provider":70,"size":71,"src":185},"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F08_wichtige-fragen-zur-umschuldung_100p.png",[51,187,189,25],{"id":188},"important-questions-about-refinancing",[55,190],{"id":191},"Wichtige-Fragen-Umschuldung",[59,193,194],{},"In connection with refinancing, individual questions can sometimes arise that should be clarified beforehand. For this reason, we have listed the most frequently asked questions about refinancing below and answered them in detail.",[132,196,198,28],{"id":197},"how-does-a-refinancing-work",[55,199],{"id":200},"umschuldung-wie-laeuft-sie-ab",[66,202],{"align":171,"alt":203,"provider":70,"size":105,"src":204},"Refinancing - This is the process","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F09_wie-laeuft-eine-umschuldung-ab_50p_links.png",[59,206,207],{},"Refinancing always involves replacing one or more previous loans with a refinancing loan. This improves the overview of your debts and you can also save costs in terms of interest when switching loans. But how exactly does refinancing work? Various steps are required for this purpose:",[59,209,210,214,217],{},[211,212,213],"strong",{},"1. Determine the outstanding balance of the affected loans and calculate the required loan amount",[215,216],"br",{},"\nIn the first step you should determine what amount you want or need to finance through refinancing. Therefore it is important to determine the outstanding balance of the respective loans. With almost every loan you receive a repayment schedule that shows you exactly which outstanding balance, which repayment and which interest is due in which month.",[59,219,220,223,225],{},[211,221,222],{},"The following example shows such a repayment schedule:",[215,224],{},[226,227,228],"em",{},"We assume a loan of 15,000 euros with a term of 4 years and an effective interest rate of 6.5% per year. From the repayment schedule you could now read the outstanding balance after 15 months (here the repayment schedule for the second year is shown):",[230,231,232,251],"table",{},[233,234,235],"thead",{},[236,237,238,241,243,245,247,249],"tr",{},[239,240],"th",{},[239,242],{},[239,244],{},[239,246],{},[239,248],{},[239,250],{},[252,253,254,275,295,313,331,349,367,385,403,421,439,457,475,493],"tbody",{},[236,255,256,260,263,266,269,272],{},[257,258,259],"td",{},"Month",[257,261,262],{},"Previous month's balance",[257,264,265],{},"End-of-month installment",[257,267,268],{},"Interest",[257,270,271],{},"Repayment",[257,273,274],{},"Outstanding balance at month end",[236,276,277,280,283,286,289,292],{},[257,278,279],{},"13",[257,281,282],{},"11.596,46 €",[257,284,285],{},"354,44 €",[257,287,288],{},"61,02 €",[257,290,291],{},"293,42 €",[257,293,294],{},"11.303,04 €",[236,296,297,300,302,304,307,310],{},[257,298,299],{},"14",[257,301,294],{},[257,303,285],{},[257,305,306],{},"59,47 €",[257,308,309],{},"294,97 €",[257,311,312],{},"11.008,07 €",[236,314,315,318,320,322,325,328],{},[257,316,317],{},"15",[257,319,312],{},[257,321,285],{},[257,323,324],{},"57,92 €",[257,326,327],{},"296, 52€",[257,329,330],{},"10.711,55 €",[236,332,333,336,338,340,343,346],{},[257,334,335],{},"16",[257,337,330],{},[257,339,285],{},[257,341,342],{},"56,36 €",[257,344,345],{},"298,08 €",[257,347,348],{},"10.413,47 €",[236,350,351,354,356,358,361,364],{},[257,352,353],{},"17",[257,355,348],{},[257,357,285],{},[257,359,360],{},"54,79 €",[257,362,363],{},"299,65 €",[257,365,366],{},"10.113,83 €",[236,368,369,372,374,376,379,382],{},[257,370,371],{},"18",[257,373,366],{},[257,375,285],{},[257,377,378],{},"53,22 €",[257,380,381],{},"301,22 €",[257,383,384],{},"9.812,60 €",[236,386,387,390,392,394,397,400],{},[257,388,389],{},"19",[257,391,384],{},[257,393,285],{},[257,395,396],{},"51,63 €",[257,398,399],{},"302,81 €",[257,401,402],{},"9.509,80 €",[236,404,405,408,410,412,415,418],{},[257,406,407],{},"20",[257,409,402],{},[257,411,285],{},[257,413,414],{},"50,04 €",[257,416,417],{},"304,40 €",[257,419,420],{},"9.205,39 €",[236,422,423,426,428,430,433,436],{},[257,424,425],{},"21",[257,427,420],{},[257,429,285],{},[257,431,432],{},"48,44 €",[257,434,435],{},"306,00 €",[257,437,438],{},"8.899,39 €",[236,440,441,444,446,448,451,454],{},[257,442,443],{},"22",[257,445,438],{},[257,447,285],{},[257,449,450],{},"46,83 €",[257,452,453],{},"307,61 €",[257,455,456],{},"8.591,78 €",[236,458,459,462,464,466,469,472],{},[257,460,461],{},"23",[257,463,456],{},[257,465,285],{},[257,467,468],{},"45,21 €",[257,470,471],{},"309,23 €",[257,473,474],{},"8.282,55 €",[236,476,477,480,482,484,487,490],{},[257,478,479],{},"24",[257,481,474],{},[257,483,285],{},[257,485,486],{},"43,58 €",[257,488,489],{},"310,86 €",[257,491,492],{},"7.971,69 €",[236,494,495,498,500,503,506,509],{},[257,496,497],{},"Totals 2nd year",[257,499,282],{},[257,501,502],{},"4.253,27 €",[257,504,505],{},"628,50 €",[257,507,508],{},"3.624,77 €",[257,510,492],{},[59,512,513],{},"Table 1: Example of a loan repayment schedule",[59,515,516],{},"From this repayment schedule you can see that your outstanding balance at the end of the 15th month is still 10,711.55 euros. Thus you know the requirement for your refinancing loan. If you can no longer find the repayment schedule, contacting the respective bank will help. On request, the bank will usually send you a new repayment schedule.",[230,518,519,525],{},[233,520,521],{},[236,522,523],{},[239,524],{},[252,526,527],{},[236,528,529],{},[257,530,531,534,535],{},[211,532,533],{},"Note:"," ",[226,536,537],{},"If you want to consolidate and refinance several loans, repeat this process for all affected loans and add the respective outstanding balances.",[59,539,540,542,545,547],{},[215,541],{},[211,543,544],{},"2. Search for attractive refinancing loans",[215,546],{},"\nThe next step is to look for a loan with the most attractive conditions possible that you can use for your refinancing. It is very helpful to rely on a loan comparison in order to find offers with the lowest possible interest rates. What such a loan comparison can make is shown by the following example calculation:",[230,549,550],{},[252,551,552,567,579,592,604,617,630],{},[236,553,554,557,562],{},[257,555,556],{}," ",[257,558,559],{},[211,560,561],{},"Loan I (old loan)",[257,563,564],{},[211,565,566],{},"Loan II (refinancing loan)",[236,568,569,574,577],{},[257,570,571],{},[211,572,573],{},"Loan amount",[257,575,576],{},"10.711,55 Euro",[257,578,576],{},[236,580,581,586,589],{},[257,582,583],{},[211,584,585],{},"Effective annual interest rate",[257,587,588],{},"6.5 % p.a.",[257,590,591],{},"3.99 % p.a.",[236,593,594,599,602],{},[257,595,596],{},[211,597,598],{},"Term",[257,600,601],{},"33 months",[257,603,601],{},[236,605,606,611,614],{},[257,607,608],{},[211,609,610],{},"Repayment installment (monthly)",[257,612,613],{},"354,44 Euro",[257,615,616],{},"342,93 Euro",[236,618,619,624,627],{},[257,620,621],{},[211,622,623],{},"Interest costs until the end of the term",[257,625,626],{},"984,94 Euro",[257,628,629],{},"605,01 Euro",[236,631,632,637],{},[257,633,634],{},[211,635,636],{},"Savings",[257,638,640],{"colSpan":639},"2",[59,641,642],{},"379,93 Euro",[59,644,645],{},"Table 2: Comparison calculation refinancing loan vs. old loan",[59,647,648],{},"In this example you could save 379.93 euros in interest within 33 months by refinancing. A pretty good argument to take this step. The experts at MAXDA compare many loans for you to find your perfect refinancing loan and thus significantly reduce costs. Contact us and save real money!",[59,650,651,654,656],{},[211,652,653],{},"3. Check the costs of settling the old loans",[215,655],{},"\nUnfortunately the calculation is not quite as simple as described above. As an additional decision criterion you should therefore factor in the costs of settling old loans (in the loan contract). As a rule, banks charge a prepayment penalty for early termination of the loan. This depends on the remaining term as well as the outstanding balance. In the example above a prepayment penalty of 1% of the outstanding balance would be payable. This would result in the following costs:",[230,658,659,667],{},[233,660,661],{},[236,662,663,665],{},[239,664],{},[239,666],{},[252,668,669,676,684],{},[236,670,671,674],{},[257,672,673],{},"Outstanding balance",[257,675,576],{},[236,677,678,681],{},[257,679,680],{},"Prepayment penalty rate",[257,682,683],{},"1 %",[236,685,686,689],{},[257,687,688],{},"Prepayment penalty",[257,690,691],{},"107,12 Euro",[59,693,694],{},"Table 3: Calculation of the prepayment penalty for an early settlement",[59,696,697],{},"If we offset the loan settlement costs of 107.12 euros against the savings from the refinancing of 379.93 euros, there is still a saving of 272.81 euros (interest savings). The refinancing is therefore worthwhile.",[59,699,700],{},"The next steps are now to apply for the refinancing loan and use the loan amount to settle the previous loan.",[132,702,704,31],{"id":703},"what-determines-the-amount-of-the-prepayment-penalty",[55,705],{"id":706},"umschuldung-wonach-richtet-sich-hoehe-vorfaelligkeitsentschaedigung",[66,708],{"align":103,"alt":709,"provider":70,"size":105,"src":710},"What determines the amount of the prepayment penalty","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F10_wonach-richtet-sich-hoehe-der-vorfaelligkeitsentschaedigung_50p_links.png",[59,712,713],{},"The prepayment penalty is intended to compensate banks for financial losses resulting from lost interest. This is always the case when you, as the borrower, want to repay your loan early. After all, the bank calculated with the full interest and now receives the money back much too early and with interest losses. But what determines the amount of the prepayment penalty? The decision criteria are:",[59,715,716,719,721],{},[211,717,718],{},"1. Type of loan",[215,720],{},"\nSo that banks cannot calculate the prepayment penalty arbitrarily, the legislator has at least set clear rules for consumer credits. According to §502 para. 3 BGB, the prepayment penalty may not exceed the following amounts:",[80,723,724,727],{},[83,725,726],{},"Remaining term of more than one year: 1 percent of the prematurely repaid amount (but not more than the amount of the nominal interest that the borrower would have paid until the regular end of the loan term)",[83,728,729],{},"Remaining term of less than one year: 0.5 percent of the prematurely repaid amount (but not more than the amount of the nominal interest that the borrower would have paid until the regular end of the loan term)",[59,731,732],{},"For mortgage loans, banks have even more leeway in calculating the compensation. Loans with variable interest rates, such as an overdraft, may, on the other hand, be repaid in full at any time without payment of a prepayment penalty.",[59,734,735,738,740],{},[211,736,737],{},"2. Amount of the repaid loan sum",[215,739],{},"\nThe amount of the repaid outstanding balance is of course the second important criterion. After all, it serves as the basis for calculating the prepayment penalty.",[59,742,743,746,748],{},[211,744,745],{},"3. Special contractual provisions",[215,747],{},"\nStatutory provisions in credit law are mostly intended to protect you as a borrower. However, banks do have the option of waiving the prepayment penalty. For example, MAXDA offers you the option of repaying your loan early at any time. If your loan agreement also contains a corresponding provision, refinancing may be particularly worthwhile because it involves no costs.",[132,750,752,34],{"id":751},"how-much-money-can-be-saved-by-refinancing-an-overdraft",[55,753],{"id":754},"umschuldung-wie-viel-geld-laesst-sich-sparen",[66,756],{"align":171,"alt":757,"provider":70,"size":105,"src":758},"How you can save by refinancing an overdraft","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F11_wie-viel-geld-laesst-sich-bei-umschuldung-sparen_50p_rechts.png",[59,760,761],{},"In refinancing examples the overdraft (Dispo) is almost always used to illustrate the benefits. Why is that? This comparison is due to two facts:",[59,763,764,765,767],{},"1. Interest rates for overdrafts are usually significantly higher than interest rates for conventional installment loans.",[215,766],{},"\n2. An overdraft is rarely paid down progressively, so the interest burden often remains at the same high level.",[59,769,770],{},"If you currently use an overdraft at a branch bank, interest rates between 8.99 and 12.99% p.a. are not uncommon. In this case a refinancing is almost always worthwhile because you benefit from two advantages at once:",[80,772,773,776],{},[83,774,775],{},"You immediately pay lower interest on your debts",[83,777,778],{},"You repay the loan in installments and thus permanently reduce your interest burden",[59,780,781],{},"How this affects your finances is shown in this example:",[59,783,784,786],{},[215,785],{},[226,787,788],{},"Over the years you have continuously used up your overdraft and now have a total debt of 4,500 euros. With your salary deposits you largely offset the overdraft every month, but it is back to 4,500 euros at the end of the month. Your bank charges you 9.99% interest per year, which is due quarterly. As an alternative, the refinancing loan mentioned above would be available. If you were to repay the 4,500 euros in small installments over 4 years, the following financial effect would result:",[230,790,791],{},[252,792,793,806,818,830,841,854,867],{},[236,794,795,797,802],{},[257,796,556],{},[257,798,799],{},[211,800,801],{},"Loan 1 (overdraft)",[257,803,804,556],{},[211,805,566],{},[236,807,808,813,816],{},[257,809,810],{},[211,811,812],{},"Loan amount ",[257,814,815],{},"4.500 Euro",[257,817,815],{},[236,819,820,824,827],{},[257,821,822],{},[211,823,585],{},[257,825,826],{},"9.99% p.a.",[257,828,829],{},"3.99% p.a.",[236,831,832,836,839],{},[257,833,834],{},[211,835,598],{},[257,837,838],{},"48 months",[257,840,838],{},[236,842,843,848,851],{},[257,844,845],{},[211,846,847],{},"Repayment installment (monthly) ",[257,849,850],{},"-",[257,852,853],{},"101,44 Euro",[236,855,856,861,864],{},[257,857,858],{},[211,859,860],{},"Interest costs until the end of the term ",[257,862,863],{},"1.782,00 Euro",[257,865,866],{},"369,24 Euro",[236,868,869,873],{},[257,870,871],{},[211,872,636],{},[257,874,875],{"colSpan":639},"1.412,76 Euro",[59,877,878],{},"Table 4: Example calculation of the saving potential through refinancing an overdraft",[59,880,881],{},"Because with your refinancing the outstanding balance decreases every month, the interest load also decreases over the term. This is not the case with an overdraft, which is why interest costs are so extremely high in connection with the high interest rate. An overdraft is therefore only a sensible short-term financing source for you as a borrower and should never become a permanent condition.",[132,883,885,37],{"id":884},"refinancing-a-mortgage-how-does-it-work",[55,886],{"id":887},"umschuldung-einer-baufinanzierung-wie-funktioniert-das",[66,889],{"align":103,"alt":890,"provider":70,"size":105,"src":891},"Refinancing in mortgage financing","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F12_umschuldung-einer-baufinanzierung-wie-funktoiniert-das_50p_rechts.png",[59,893,894],{},"While refinancing for an installment loan can be seen as a special case, it is often standard practice with mortgage financing. This is due to the special structure of such loans. If you chose an annuity loan with a fixed interest rate for your mortgage, the interest rate remains constant during the fixed-rate period.",[59,896,897],{},"In everyday language borrowers and banks refer to the fixed-rate period as the term of the mortgage. As a rule, however, a residual debt remains after the fixed-rate period of 5–25 years that must then be refinanced. This process is called follow-up financing (Anschlussfinanzierung), where you have two options:",[59,899,900,902],{},[215,901],{},[211,903,904],{},"1. Extension with the previous provider (prolongation)",[59,906,907,909],{},[215,908],{},"\nHere you negotiate a new fixed-rate period with your previous bank that is aligned with the current interest rate level at the time of follow-up financing. Each bank independently sends offers for follow-up financing to its customers 8–12 months before the fixed-rate period expires. If interest rates have risen since the start of your mortgage financing, your mortgage will become more expensive. If rates have fallen, you pay less. The burden of the installment will usually be lower anyway because the loan amount has decreased significantly.",[59,911,912,914],{},[215,913],{},[211,915,916],{},"2. Switch to another provider (refinancing)",[59,918,919,921],{},[215,920],{},"\nIf you are not satisfied with the conditions of your previous bank, you can refinance when arranging follow-up financing. A loan comparison and obtaining various offers can be very interesting here. The peculiarity of refinancing for mortgages is that no prepayment penalty is payable if the fixed-rate period has expired. If, on the other hand, you want to terminate your mortgage early, the bank can (at least within the first 10 years) even refuse this. Termination is only possible for a good reason and often entails high prepayment penalties.\nThe best tactic for follow-up financing is negotiation. If you have obtained attractive offers from other banks, you can also contact your previous provider again and present these offers. Banks often adjust their interest rates downwards to avoid losing customers.",[132,923,925,40],{"id":924},"are-refinancings-cheaper-than-other-loans",[55,926],{"id":927},"umschuldungen-guenstiger-als-andere-kredite",[66,929],{"align":171,"alt":930,"provider":70,"size":105,"src":931},"When are refinancings cheaper?","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F13_sind-umschuldungen-guenstiger-als-andere-kredite_50p_links.png",[59,933,934],{},"In principle you can use any conventional installment loan for refinancing. Since the purpose of such loans is usually free, nothing speaks against such a designation. But as with a car loan, it can pay off to point out your intended use to a bank. Some types of use do indeed influence your creditworthiness. For a car loan, the positive effect is that you acquire an asset that can be used as collateral if necessary. Other reasons apply for refinancing:",[80,936,937,940],{},[83,938,939],{},"You swap debts for debts (your level of debt therefore does not increase)",[83,941,942,943],{},"In some cases, some loans are repaid immediately when consolidating loans, which improves your creditworthiness\n",[66,944],{"align":103,"alt":945,"provider":70,"size":105,"src":946},"When are refinancings cheaper","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Fumschuldung\u002F14_sind-umschuldungen-guenstiger-als-andere-kredite_50p_links.png",[59,948,949],{},"Even though not every lender takes these aspects into account, there are banks that attribute no negative effect on creditworthiness to a refinancing loan (no deterioration of cost and asset situation). Better scoring at Schufa but also in banks' internal scoring systems can sometimes result in better conditions when taking out a loan. Thus you save real money and gain additional financial leeway!",[51,951],{"id":952},"",[51,954,956],{"id":955},"use-the-statutory-right-of-termination-for-refinancing-loans","Use the statutory right of termination for refinancing loans",[59,958,959],{},"If the borrower agreed a long-term fixed interest rate for fifteen years and then finds that his once top conditions no longer correspond to the market situation, he can still refinance. In this case the legislator grants him the option of refinancing the loan after ten years have elapsed following full receipt of the loan amount.",[59,961,962],{},"Section § 498 BGB provides for a borrower's right of termination in this case with a notice period of six months. It can therefore be worthwhile to renegotiate loan refinancing with the previous lender.",[59,964,965],{},"Occasionally, borrowers are no longer able to service a loan contract in the agreed form due to their personal financial circumstances. Such a case can be caused by illness or unemployment, but divorces or separations from a partner often also have far-reaching financial consequences.",[51,967,969,43],{"id":968},"use-refinancing-and-save-money",[55,970],{"id":971},"umschuldung-nutzen-und-geld-sparen",[59,973,974],{},"Do you have multiple loans and want to consolidate them for better oversight? Are you struggling with the high financial burden of your overdraft? In both cases refinancing can be the solution you are looking for. You can improve your overview and also save a lot of money with favorable refinancing loans. We help you on this path and together we will find the refinancing loan that fits you perfectly!",{"title":952,"searchDepth":976,"depth":976,"links":977},2,[978,979,980,985,992,993,994],{"id":53,"depth":976,"text":10},{"id":75,"depth":976,"text":13},{"id":124,"depth":976,"text":16,"children":981},[982,984],{"id":134,"depth":983,"text":19},3,{"id":152,"depth":983,"text":22},{"id":188,"depth":976,"text":25,"children":986},[987,988,989,990,991],{"id":197,"depth":983,"text":28},{"id":703,"depth":983,"text":31},{"id":751,"depth":983,"text":34},{"id":884,"depth":983,"text":37},{"id":924,"depth":983,"text":40},{"id":952,"depth":976,"text":952},{"id":955,"depth":976,"text":956},{"id":968,"depth":976,"text":43},"Restructure your debts today and save a lot of money for new projects with the MAXDA debt restructuring loan!",{"ctaHref":114,"ctaLabel":997,"image":952,"lead":995,"title":6},"Apply for your desired loan now",true,"en",{},"legacy-topic","\u002Fpages\u002Fen\u002Ftopics\u002Fdebt-restructuring",{"title":6,"description":995},"Debt restructuring at MAXDA ✓ The provider for loans without Schufa ✓ Known from TV! ✓ Request a refinancing loan without obligation ✓ receive an individual offer","Debt Restructuring on MAXDA.de | Refinance your 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