Forward Loan Calculator
Lock in current interest rates for the future. Calculate conditions for your forward loan. Online calculator with current 2026 market rates and clear breakdown.
3,50 % current + 0,30 %-points surcharge
With Forward Loan
Without Surcharge (Reference)
The forward loan is worthwhile if rates rise above 3,80 % by the time of drawdown.
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 a forward loan?
A forward loan lets you lock in today's interest rates for a future mortgage refinancing, up to 60 months in advance. You pay a small premium (forward surcharge) for this rate guarantee.
When does a forward loan make sense?
A forward loan is useful when you expect interest rates to rise before your current fixed-rate period ends. The longer the forward period, the higher the surcharge -- typically 0.01-0.03% per month.
What is the Forward Loan Calculator?
The forward loan calculator computes the conditions of a forward loan, which locks in today's rates for a future refinancing.
How does the Forward Loan Calculator work?
Enter the remaining balance at the end of the current fixed-rate period, desired forward period and new fixed-rate period. The calculator determines the forward premium (approx. 0.01-0.03% per month of lead time) and the future monthly instalment.
Key Data and Facts
Forward period: up to 60 months in advance. Rate premium: approx. 0.01-0.03% per month. No free cancellation: a forward loan cannot be cancelled without cost once signed.
Step-by-Step Guide
How to calculate ein Forward-Darlehen step by step: 1. Restschuld am Ende der aktuellen Zinsbindung determine: Dieser Betrag wird mit dem Forward-Darlehen refinanziert. 2. Forward-Periode festlegen: Wie viele Monate vor Ablauf der Zinsbindung moechten Sie den neuen interest sichern? Ueblich: 12-60 Monate. 3. Forward-Aufschlag calculate: Ca. 0,01-0,03 % pro month Vorlaufzeit. Bei 24 Monaten Forward: ca. 0,24-0,72 % Aufschlag auf den aktuellen Marktzins. 4. Neuen interest rate bestimmen: Aktueller Marktzins + Forward-Aufschlag = Forward-interest. 5. Neue Zinsbindung und Tilgung choose. 6. Kuenftige rate calculate. Beispiel: Restschuld in 24 Monaten: 180.000 EUR. Aktueller Marktzins: 3,2 %. Forward-Aufschlag (24 Monate x 0,02 %): 0,48 %. Forward-interest: 3,2 + 0,48 = 3,68 %. Neue Zinsbindung: 15 Jahre, Tilgung 3 %. Kuenftige Monatsrate: 180.000 x (3,68 % + 3 %) / 12 = 1.002 EUR. Vergleich ohne Forward bei steigendem interest (4,5 %): 180.000 x (4,5 % + 3 %) / 12 = 1.125 EUR. Ersparnis: 123 EUR/month.
Calculation Example
Restschuld 180.000 EUR, Forward 24 Monate. Marktzins 3,2 % + 0,48 % Aufschlag = 3,68 %. Tilgung 3 %. Kuenftige rate: 1.002 EUR/month. Ohne Forward bei 4,5 %: 1.125 EUR. Ersparnis: 123 EUR/month.
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