Follow-up Financing Calculator
Plan the follow-up financing for your property. Compare prolongation and refinancing. Free with amortization schedule, interest comparison, examples for 2026.
Prolongation
Refinancing
Recommendation: Refinancing
Savings: 10.040,00 €
over 10 years fixed rate (incl. refinancing costs of 500,00 €)
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
What is follow-up financing?
Follow-up financing is needed when the fixed-rate period of your mortgage ends but the loan is not fully repaid. You can negotiate new terms with your current bank (prolongation) or switch to another lender.
When should I start planning follow-up financing?
Start 12-36 months before your fixed-rate period ends. This gives you time to compare offers and possibly secure favorable rates via a forward loan if rates are attractive.
What is the Follow-up Financing Calculator?
The follow-on financing calculator compares prolongation, refinancing and forward loans for continuing a mortgage after the fixed-rate period ends.
How does the Follow-up Financing Calculator work?
Enter the remaining balance, current rate and new fixed-rate preferences. The calculator compares the total costs of the three options and shows which is cheapest.
Key Data and Facts
Prolongation: extension with the same lender, low effort. Refinancing: switch to another bank, often better conditions. Forward loan: lock in rates up to 60 months ahead.
Step-by-Step Guide
Schritt 1: Geben Sie Ihre Restschuld nach Ende der Zinsbindung ein (z.B. 180.000 EUR). Schritt 2: Tragen Sie den aktuellen interest rate Ihres Darlehens ein (z.B. 1,8 %). Schritt 3: Geben Sie den neuen interest rate für Prolongation (Angebot Ihrer Bank) und den Marktzins für Umschuldung ein. Schritt 4: choose Sie die gewünschte neue Zinsbindung (z.B. 10 Jahre). Der Rechner vergleicht die monatlichen Raten und Gesamtkosten aller drei Optionen. Beispiel: Bei 180.000 EUR Restschuld, Prolongation zu 3,2 % und Umschuldung zu 2,9 % sparen Sie durch Umschuldung ca. 5.400 EUR interest über 10 Jahre. Berücksichtigen Sie jedoch Notarkosten und Grundschuldabtretung bei der Umschuldung.
Calculation Example
Bei 180.000 EUR Restschuld: Prolongation 3,2 % = 870 EUR/month, Umschuldung 2,9 % = 825 EUR/month. Ersparnis Umschuldung: ca. 5.400 EUR über 10 Jahre (abzüglich ~1.000 EUR Notarkosten).
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