Loan Calculator
Calculate monthly payments, total costs and amortization schedule for your loan. With interest rate, term and extra payments.
Monthly installment
438,71 €
Total costs
10.529,13 €
Total interest
529,13 €
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 factors determine my loan interest rate?
The interest rate depends on the ECB base rate, your credit score (Schufa), loan amount, term, collateral, and your income stability. Better creditworthiness leads to lower rates.
What is the difference between nominal and effective interest rates?
The nominal rate is the pure interest rate. The effective rate includes all costs (processing fees, payment frequency) and is legally required in Germany to ensure comparability between offers.
What is the Loan Calculator?
The loan calculator computes the monthly instalment, total cost and repayment schedule for an instalment loan. It shows the split between interest and principal over time.
How does the Loan Calculator work?
Enter the loan amount, interest rate and term. The calculator determines the constant annuity. The repayment schedule shows how the interest portion falls and the principal portion rises. Optional extra repayments can be included.
Key Data and Facts
Effective annual rate: mandatory disclosure under PAngV. Early repayment penalty: max. 1% (remaining term > 12 months). 14-day withdrawal right for consumer loans.
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