Debt Restructuring Calculator
Check whether refinancing your loan is worthwhile. Compare old and new conditions. Online calculator with current 2026 market rates and clear breakdown.
Existing Loan
New Loan
Old Loan
New Loan
Refinancing is worth it!
Savings: 1.223,36 €
Monthly savings: 33,98 €
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
When does refinancing make sense?
Refinancing is worthwhile when current interest rates are significantly lower than your existing rate. Consider the prepayment penalty, new loan costs, and the remaining term to calculate actual savings.
What costs are involved in refinancing?
Costs include the prepayment penalty on the old loan, possibly new notary fees for land charges, and any processing fees for the new loan. These must be weighed against the interest savings.
What is the Debt Restructuring Calculator?
The debt restructuring calculator shows whether replacing existing loans with a cheaper one is worthwhile, and computes the potential savings.
How does the Debt Restructuring Calculator work?
Enter the details of your existing loans (remaining balance, rate, remaining term) and the conditions of the new loan. The calculator compares total costs and shows the savings. Any early repayment penalty is taken into account.
Key Data and Facts
Early repayment penalty: max. 1% of remaining balance (> 12 months remaining) or 0.5%. Restructuring usually worthwhile from a 1-2 percentage point rate difference.
Step-by-Step Guide
So pruefen Sie, ob sich eine Umschuldung lohnt step by step: 1. Bestehende Kredite erfassen: Restschuld, aktueller interest rate, Restlaufzeit und monatliche rate fuer jeden Kredit. 2. Neuen Kredit konfigurieren: Gesamtrestschuld als neuen Kreditbetrag, guenstigerer interest rate, gewuenschte Laufzeit. 3. Vorfaelligkeitsentschaedigung calculate: Bei Restlaufzeit ueber 12 Monate: max. 1 % der Restschuld. Bei Restlaufzeit unter 12 Monate: max. 0,5 %. 4. Gesamtkosten compare: Restliche interest alter Kredit vs. interest neuer Kredit + Vorfaelligkeitsentschaedigung. 5. Ersparnis determine: Differenz der Gesamtkosten. Beispiel: Alter Kredit: 12.000 EUR Restschuld, 8,9 % interest, 36 Monate Restlaufzeit. Restliche interest: ca. 1.720 EUR. Vorfaelligkeitsentschaedigung: 12.000 x 1 % = 120 EUR. Neuer Kredit: 12.120 EUR, 4,9 % interest, 36 Monate. interest neuer Kredit: ca. 940 EUR. Ersparnis: 1.720 - 940 - 120 = 660 EUR. Die Umschuldung lohnt sich.
Calculation Example
Alter Kredit: 12.000 EUR, 8,9 %, 36 Monate, Restzinsen 1.720 EUR. Vorfaelligkeit: 120 EUR. Neuer Kredit: 12.120 EUR, 4,9 %, 36 Monate, interest 940 EUR. Ersparnis: 660 EUR.
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