[{"data":1,"prerenderedAt":187},["ShallowReactive",2],{"content-page:en:topics\u002Frefinance":3},{"page":4,"alternates":182},{"id":5,"title":6,"asideNav":7,"backLink":17,"body":20,"description":166,"extension":167,"hero":168,"hidePageHeader":170,"locale":171,"meta":172,"navigation":170,"pageKind":173,"path":174,"seo":175,"seoDescription":176,"seoTitle":177,"slug":178,"stem":179,"translationKey":180,"__hash__":181},"pages\u002Fpages\u002Fen\u002Ftopics\u002Frefinance.md","Refinancing - MAXDA informs",[8,11,14],{"href":9,"label":10},"#1","Reasons to refinance",{"href":12,"label":13},"#2","Comprehensively covered",{"href":15,"label":16},"#3","Is refinancing just a drop in the ocean?",{"href":18,"label":19},"\u002Fen\u002Ftopics","back",{"type":21,"value":22,"toc":159},"minimark",[23,30,34,52,70,77,82,85,92,99,106,117,125,130,133,149],[24,25,26],"p",{},[27,28],"span",{"id":29},"1",[31,32,10],"h2",{"id":33},"reasons-to-refinance",[24,35,36,37,41,42,47,48,51],{},"In most cases it is possible to settle an existing long-standing debt by taking out a new one. Above all, when an ",[38,39,40],"strong",{},"existing loan with poor interest conditions"," can be replaced by a ",[43,44,46],"a",{"href":45},"\u002Fanfrage","significantly cheaper loan",", ",[38,49,50],{},"refinancing a loan is recommended",".",[24,53,54,55,58,59,62,63,66,67,51],{},"Balancing out an ",[38,56,57],{},"overdraft"," can also be considered refinancing. If the ",[38,60,61],{},"negative balance of the account or credit card"," cannot be cleared for a long period, high costs arise due to interest. Refinancing with a ",[38,64,65],{},"favourable installment loan"," can save a lot of money. In addition, the lower interest burden makes it ",[38,68,69],{},"easier to pay off debts",[24,71,72,73,76],{},"A key goal of refinancing is the ",[38,74,75],{},"restoration of one's creditworthiness",". At the same time, conditions such as the interest rate improve for any potential new loan.",[24,78,79],{},[27,80],{"id":81},"2",[31,83,13],{"id":84},"comprehensively-covered",[24,86,87,88,91],{},"Anyone considering refinancing should, if possible, carry this out ",[38,89,90],{},"towards the end of the term of an existing loan",". Contrary to widespread claims, refinancing is generally extremely uncomplicated.",[24,93,94,95,98],{},"As a rule, lenders also waive charging an additional fee for early repayment of the loan. Nevertheless, ",[38,96,97],{},"costs"," that arise in the context of a transfer or assignment of the Grundschuld should be taken into account in the calculation. In most cases these are relatively low.",[24,100,101,102,105],{},"If you are registered as a borrower with a reputable bank, you can usually rely on the ",[38,103,104],{},"assignment of the debt"," being handled by the respective bank. This eliminates the need for a laborious cancellation and re-registration of the old Grundschuld.",[24,107,108,109,112,113,116],{},"Similarly, for ",[38,110,111],{},"any follow-up financing",", it is advisable to ",[38,114,115],{},"compare"," the conditions offered by different banks. New customers often benefit from more favourable terms and can thus save real money over the entire term.",[24,118,119,120,124],{},"Due to reduced loan-to-value ratios as a result of repayments and special repayments, further savings can be achieved. Most banks also advertise ",[43,121,123],{"href":122},"\u002Fen\u002Fdebt-restructuring","in the case of refinancing"," the reimbursement of costs incurred for the notary and land register.",[24,126,127],{},[27,128],{"id":129},"3",[31,131,16],{"id":132},"is-refinancing-just-a-drop-in-the-ocean",[24,134,135,136,139,140,143,144,148],{},"As a rule, before ",[38,137,138],{},"refinancing"," all costs should be taken into account in the ",[38,141,142],{},"calculation",". If the ",[43,145,147],{"href":146},"\u002Fen\u002Ftopics\u002Flender","lender",", for example, charges a so-called Vorfälligkeitsentschädigung for the lost interest profit due to early repayment, it may well be that refinancing does not really pay off.",[24,150,151,152,155,156,51],{},"An ",[38,153,154],{},"attractive alternative to refinancing"," are above all loans without Schufa: they are generally granted without a prior Schufa inquiry and are usually limited to smaller amounts. However, the costs incurred for these should also be compared in advance with the ",[38,157,158],{},"costs of refinancing",{"title":160,"searchDepth":161,"depth":161,"links":162},"",2,[163,164,165],{"id":33,"depth":161,"text":10},{"id":84,"depth":161,"text":13},{"id":132,"depth":161,"text":16},"Reasons & tips for refinancing","md",{"ctaHref":45,"ctaLabel":169,"image":160,"lead":166,"title":6},"Apply for your desired loan now",true,"en",{},"legacy-topic","\u002Fpages\u002Fen\u002Ftopics\u002Frefinance",{"title":6,"description":166},"Refinancing ► Reasons & Tips ✔ Refinance cheaply & save ✔ Get informed now! MAXDA - the experienced specialist for loans without Schufa, known from TV!","Refinancing with MAXDA | Plan your refinancing","topics\u002Frefinance","pages\u002Fen\u002Ftopics\u002Frefinance","legacy-themen-path-umschulden","2O9P3zSe9cRI1fk_mG0vnVVyxLeCfTDx-o2Cdc6rS0o",[183,186],{"locale":184,"slug":185},"de","themen\u002Fumschulden",{"locale":171,"slug":178},1791352270514]