Home loan for young married couples

What conditions must be met to get a home loan for a young couple? Banking institutions require some basic criteria from potential customers before they withdraw cash. Of course, everyone would like to know what conditions they would have to meet to get a dream loan for a home for young married couples.

It is not that easy, especially when it comes to high amounts, such as PLN 300,000 or more.
Young people would like to live in the best conditions. If they already have children, they must provide them with adequate space and good living conditions. That is why they need a home loan for young married couples. Sometimes they apply for a high loan amount.

How can they get it?

Of course, the most important is the amount of earnings of people who apply for a loan, as well as the contract they have with the employer. If potential clients have a contract of indefinite duration, as well as a salary of at least the national average, they have a chance to get a loan for a home for young married couples.

However, these are not all the criteria that the bank pays attention to before deciding to accept a loan application. A very important issue is any obligations that potential borrowers already have, such as other loans, installments or leasing cars. To get a home loan for young married couples, clients should have as few debts as possible. As a result, their creditworthiness will be greater and at the same time the chances of the bank accepting the application and obtaining the desired loan will increase.

Young people sometimes forget and, knowing that they have high earnings, decide on a large loan for a home for young married couples. They think that they will always earn great money, but the reality is not always so rosy.
It often happens that the borrower loses his job or his earnings decrease. Unfortunately, the installments do not decrease and are still just as high. In this situation, a home loan for young married couples can become a heavy burden. It is worth thinking about this in advance, even before deciding on a large loan.

People who want to buy a house or a flat have a very serious decision ahead of them. When they are able to find the perfect property, it’s time to go to the bank and take a loan for a home for young married couples.

Where can they find the best offer?

Where can they find the best offer?

How can they find the most favorable loan so that they don’t have to pay back very high installments? There are several ways to find the best offer. One of them is a visit to a credit advisor who will advise you on which bank can give your clients the best home loan for young married couples. Another way is to use the internet, for example, a credit comparison engine that has proposals from many banking institutions.

The most labor-intensive, but at the same time effective, solution is to visit several branches of popular banks yourself. An individually prepared offer may have more attractive conditions. Thanks to this, clients can get a favorable home loan for young married couples.
Before potential borrowers decide on a specific offer, it is worth having a look at various bank offers. They will have a comparison and choose the best offer, which will save them. They should spend a lot of time before making a decision and signing a contract with a specific bank.

When taking out a home loan for young married couples, borrowers must be ready to pay off long-term installments, which can be very high. When deciding to take out a loan, young people find out what amount they will have to pay the bank each month. This extra cost can be a heavy burden to bear. Unfortunately, if the loan for a house for young married couples was high, they will probably pay it back for many years.

Some people decide to get a loan for 30 years, which is a huge commitment!
People who are forced to take out a loan to buy real estate should think about it well and think about what housing would be sufficient for them and would meet their needs. Perhaps a high loan for a home for young married couples will not be a necessity and a small loan will suffice?

In this way, the family could save themselves the trouble of high installments, and the money saved will certainly be useful for another purpose. High credit for a home for young married couples should be a last resort, but despite this, many people decide on it and have to pay large installments.

Erroneous cancellation policy for real estate loans

Wrong cancellation instructions for real estate loans

Wrong cancellation instructions for real estate loans

No prepayment penalty on termination of loan; Cancellation with footnotes is wrong. the right to revoke the loan agreement was wrong.

Free review of your cancellation policy by a specialized bank and capital markets lawyer Deduction of real estate loans and other loans after 21 June 2016 very often possible: With real estate loans completed after January 1, 2010, withdrawal is still possible today. In the event that a withdrawal from the loan is possible.

Consumers should now be reviewing costly lending and credit from a specialized lawyer for revocation. According to a study they have good prospects of revoking and terminating their loan agreement years later. The reason for this is that the unrestricted cancellation joker is no longer valid according to a law of the government from 21 June 2016.

This concerns real estate loans taken out between 2002 and 2010. Do not hesitate and now draw the payout Joker. There is a good prospect for borrowers, especially in real estate and consumer loans, that you have a not inconsiderable legal right against the house granting the loan. It is since the BGH judgment of 01.03.2012, Az. III ZR 83/11, sure that a wrong cancellation policy can not put the deadline in force.

In this respect, all loans completed since the deadline of 31 December 2002 may be terminated if the cancellation policy was incorrect. According to a survey by the consumer center Hamburg, 80 percentage points of 1,800 audited letters of credit were wrong in their withdrawal instructions. Due to the continued possibility of revoking the loan, bank customers can still withdraw from the contract today.

Reduce the interest charge on “old loans”

Reduce the interest charge on "old loans"

This is useful, for example, to reduce the interest charge on “old loans” by revoking the possibility of concluding a new loan agreement at the currently very favorable interest terms. In the event of a mistake in the cancellation policy, the bank may request the return of the prepayment penalty paid. The top 10 banks were talking about wrong cancellation instructions for loans:

It is therefore advisable for the bank’s clients to have the option of revoking their loans through a specialist bank and financial lawyer. Your credit agreement and your termination policy will be checked by us free of charge, simply and promptly. You will be informed in a transparent manner about the expenses incurred and whether the opposition pays off for you. For the revocation check and the written initial consultation, which also includes the application for coverage with your legal expenses insurance, you can reach us via the contact form or by e-mail.

 

Bankile loan | The Bankile loan

The Bankile Personal Loan is really the most sensible and cheapest loan for you? Not every potential borrower will be satisfied with the answers. The Bankile Personal Loan attracts with a top interest rate, but only with a top rating.

Bankile loan comparison for self-employed

Bankile loan comparison for self-employed

Bankile also grants loans and loans to the self-employed, freelancers and pensioners. For these, lending on Bankile is simplified as banks only need proof of taxable income to verify their creditworthiness. Bankile is very variable for the repayment of a loan, as a free special payment for installment loans is possible at any time Simplified lending for self-employed, freelancers and retirees at Bankile.

Bankile Loan for self-employed: Bankile has the right card for everyone, for both professional and private use. Under Bankile you can match Bankile credit cards with the card that suits you best. Bankile has a wide range of cards for professional and personal needs.

The Bankile website informs you about the individual cards and thus allows you a Bankile loan on favorable terms. The Bankile loan has many advantages for the self-employed: The strength of an installment loan with Bankile brings you closer to your goals. One of the benefits, for example, is that you can make a free special refund at any time and put the loans together free of charge.

The Bankile Credit: Cheap Online Loans

The Bankile Credit: Cheap Online Loans

Especially in the time of the Internet boom, it is often the so-called direct bank, which gives the customers the voice, because they sometimes have very good conditions for an interesting product. But there are also other companies that have been making high-quality web offerings for a long time, but as providers could be found in the financial services market long before the big market success.

One of these companies is Bankiles. Consumers in the UK have been using Bankile products since the 1960s, or rather since 1966. As Bankiles Bank PLC, the company has been turning to foreign investors for a number of years who, in addition to the credit card (where the provider is one of the world’s leading service providers), are also interested in Bankile loans in order to get financing.

The loan from Barklays is nothing more than a normal installment loan. Unlike the majority of loans, Bankile’s self-employed, freelancers and other craftsmen are not rejected. In Germany, the Bankile is explicitly offered for sale to independent debtors. According to own data collected the house bank for years experience with this special group.

So, if you are self-employed and need a loan to make a new purchase, the Bankile loan can be right for you! The Bankile itself defines this service as a new freedom for those customers who in the future want to pay only one monthly installment instead of several in order to provide more clarity. Second

The provider’s website has a separate area for the replacement request. In addition to the actual transfer fee, you must provide the details of the bank from which you are repaying loans and the sum of your previous loan installments. Information and facts about the Bankile loan: Credit amounts between EUR 1000 and EUR 50,000 are possible; Bankile loans can be used both as a normal installment loan and to extinguish existing debt; Immediate credit agreement (subject to review of documents); Bankile loan is granted with a so-called binding interest rate between 5.36% and currently 7.71%; no processing fees (not even with rescheduling); Application free of charge;

The term of the Bankile loan can be between 12 and 84 months; Safeguard packages for employees and the self-employed contribute to risk reduction; Borrowers can make special repayments to reduce lending early? This causes no additional costs; Loan offers from Bankile can be requested both on the Internet and via the telephone hotline (especially interesting):

The recall); Pensioners and students also have good credit options (students must provide proof of income for the past two months); Bankile credit comes without purpose; Top conditions for the loan financing with the term of 36 months

An Example of a Bankile Loan: Requirements for Acquiring a Bankile Loan: Compared to a large number of loans, the company’s loan can also be considered my da-is-me-secure loan for a much larger loan. Because in addition to civil servants and employees, the loan of the service provider can be closed by self-employed, elderly or students.

The definitive approval of the Bankile loan, as is generally the case with the application via the Web, takes place only after receipt of the complete loan documentation. This is done according to the so-called PostIdent procedure. Only then will the certified transport of the loan documents to the respective institute take place. What do I have to declare when applying for a Bankile loan?

Would you like to take out a loan with Bankile because you are convinced of the advantageous conditions? In addition, the provider wants to know which professional group you belong to and whether you are interested in the so-called security package. Conclusion on the Bankile loan: There are a variety of reasons for taking out a loan with Bankile.

The Bankile Bank welcomes you as warmly as employees or staff. Or maybe you are simply convinced of the favorable credit terms of the Bankile Loan. But Bankile would not do that service if you were not right to believe that you are one of the cheapest banks on the world market.

Credit Repay Early

Early repayment of the Parabank loan

Early repayment of the Postbank loan

Yes, I can repay the loan in whole or in part at any time. And we now want to replace or reschedule the expensive Parabank loan. Rarity. All winnings that you pay back, but only for guidance. Can I also make an unscheduled repayment or repay my loan early?

Nominal interest rate and effective interest rate in the travel guide

Nominal interest rate and effective interest rate in the travel guide

What is the difference between nominal and effective interest rates? The nominal interest rate indicates the amount of interest on your loan and is used to determine the interest rate you must pay to the lender. The agreed interest stays under over for the whole duration guaranteed. Contrary to the nominal interest rate, the price indication regulation takes into account the effective interest-rate-determining factors to be regularly stated in the credit process.

Price determinants are the nominal interest rate, processing fees, interest and redemption dates, repayment installment, start and amount, and disbursement. In the calculation, these quantities are divided over the agreed fixed interest period. The result is the effective interest rate, which gives you the total cost of the loan per year in percentages and as a theoretical measure. For this, however, all price-relevant influencing factors must be identical in the corresponding offers except for the nominal interest rate.

â € œBecause, unfortunately, the calculation sizes are not always called up, a cost comparison over the effective interest rate is only possible with reservations. The reconciliation is also complicated by a variety of other expenses that are not included in the effective interest rate. Therefore, it is recommended that in addition to the effective interest rate, you also pass on the other expenses for the desired loan you wish to obtain in detail.

Parabank: Private loan with extra-g terms of use online

Postbank: Private loan with extra-g terms of use online

Net loan amount EUR 10 000, installment EUR 183, duration in weeks and installment number 60, total EUR 10 970.12. The bank covers in the event of death the repayment of open insurance credit installments. The PB Ratensicherung then takes your credit card payments for max. 12 years from. The PB rate protection ensures the payment of your benefits in the event of unemployment and frees you economically until you find another job (maximum 12 months).

Parabank installment loans are general consumer loan agreements as installment loan with annuity repayment. You repay the borrowed amount including interest to the Parabank in constant mont. Installments. The interest is fixed for the entire term and will not be adjusted by Parabank. In this way, you can proceed reliably throughout the loan term.

The private loan of Parabank (loan amount between 1,500 and 5,000 EUR, on the Internet from 2,000 EUR) can be used in many ways. Whether you are purchasing new furniture, need a new machine or need an auto repair shop, there is a suitable Parabank installment loan for each of these subjects. Do you already have loans from other banks that you would like to repay?

Take advantage of the short version of a Parabank installment loan: clarity through an overall rate and good framework conditions. Even if Parabank is not your main bank, we will be happy to advise you and, with the appropriate credit rating, will provide you with a financial offer tailored to your personal requirements. However, the debit interest does not provide any information about additional expenses that may be incurred when taking out a loan.

They are included in the determination of the annual interest rate to be applied under the Price Indications Regulation, in so far as they are necessarily connected with the taking out of a loan. The annual amount of the percentage indicates the total expenditure actually incurred on a loan. Only the last tranche can vary and is therefore shown separately in your loan agreement. Extended Return Option: The credit agreement may be extended until the thirtieth day after the expiration of the statutory vesting period as part of the extended yield option.

If you use them as a borrower, the loan amount you have already paid must be reimbursed.

If you use them as a borrower, the loan amount you have already paid must be reimbursed.

In addition, the daily interest rate specified in the termination information must be paid on the loan amount paid. As part of the banking association, Parabank is aware of its responsibility as lender to its bank customers. Parabank wants to use a responsible lending process to ensure that customers can take out their loan without any worries for the entire duration.

To fulfill this task, Parabank, together with all member banks of the Bankers Association, has committed itself to complying with certain rules on the conduct of loans. For more information about taking out a Parabank installment loan.

You can select the desired period individually, which in principle allows 12 and 84 months. Because the number of installments has a direct impact on the sum of your monthly installment, you can choose the optimal time period for your financial needs and your available assets freely selectable. It should be noted that the monthly rate must be at least 25 EUR.

Parabank credit is available for sums between 1,500 and 5,000 EUR (online from 6,000 EUR). The Parabank Auto Loan is available for sums between EUR 2,000 and EUR 5,000. Yes, it is possible to claim a Parabank private or auto loan for two persons (eg your spouse or partner).

From the age of eighteen, you can set up a Parabank installment balance. Your request at Parabank is not binding on you. If you decide to take out a loan with Parabank, please return the signed loan agreement and all necessary documents. We will immediately transfer the loan amount to the bank account you have specified after a final credit check.

Depending on the amount and duration of your loan and your creditworthiness your personal conditions will be determined. The contractual transfer of your salary claims to Parabank is a special guarantee for the installment loan in addition to our general protection in the form of our general terms and conditions lien according to Section 14 of our General Terms and Conditions. In the case of Parabank auto-accreditation, the security assignment of the vehicle or motorcycle to be financed can also be provided as collateral.

The loan agreement does not require any additional collateral. The credit amount will be transferred to the bank account you have chosen immediately after the release. With Parabank car credit, payment can be made at your request up to six months after the loan approval. There is the option of repaying your Parabank installment credit on a monthly basis on the fifteenth or monthly basis on the last day of the month, thereby adjusting your fees to the payment dates of your salary.

 

Dsl forward loan

 

Forward Loan

Dsl loan ("Forward")

Do not rush the conclusion of follow-up financing before the rise in interest rates. Striker The current interest rates and follow-up conditions are used as a basis: Amortization: During the commitment period, a repayment of between 2 and 5 percent per year is possible. The amortization change has no effect on the special repayment right. Forward surcharge: The delivery time is a maximum of 60 calendar months. When calculating the forward surcharge, the first 6 calendar months of the lead time are not taken into account.

Note on credit volume: The possible deduction of 0.1% from 200,000 EUR loans are restrictions such. B. new customer, no leasehold, no additional collateral, etc. to consider. This is based on the current interest rates and subsequent conditions: Amortization: During the commitment period, an amortization of between 2 and 5 percent per annum is possible.

The amortization change has no effect on the special repayment right. Forward surcharge: The delivery time is a maximum of 60 calendar months. When calculating the forward surcharge, the first 6 calendar months of the lead time are not taken into account. Note on credit volume: The possible deduction of 0.1% from 200,000 EUR loans are restrictions such. B. new customer, no leasehold, no additional collateral, etc. to consider.

The DTW does not grant its own loans, but cooperates with a variety of lenders, such as regional and national banks and insurance companies. This is based on the current interest rates and subsequent conditions: Amortization: During the commitment period, an amortization of between 2 and 5 percent per annum is possible. The amortization change has no effect on the special repayment right.

Forward surcharge:

Forward surcharge:

The delivery time is a maximum of 60 calendar months. When calculating the forward surcharge, the first 6 calendar months of the lead time are not taken into account. Note on credit volume: The possible deduction of 0.1% from 200,000 EUR loans are restrictions such. B. new customer, no leasehold, no additional collateral, etc. to consider. It is based on current interest rates and follow-up conditions:

Amortization: During the commit period, a redemption change of 2 to 5 percent per annum is possible. The amortization change has no effect on the special repayment right. Forward surcharge: The delivery time is a maximum of 60 calendar months. When calculating the forward surcharge, the first 6 calendar months of the lead time are not taken into account. Note on credit volume: The possible deduction of 0.1% from 200,000 EUR loans are restrictions such. B. new customer, no leasehold, no additional collateral, etc. to consider.

This is based on the current interest rates and subsequent conditions: Amortization: During the commitment period, an amortization of between 2 and 5 percent per annum is possible. The amortization change has no effect on the special repayment right. Forward surcharge: The delivery time is a maximum of 60 calendar months. When calculating the forward surcharge, the first 6 calendar months of the lead time are not taken into account.

Note on credit volume: The possible deduction of 0.1% from 200,000 EUR loans are restrictions such. B. new customer, no leasehold, no additional collateral, etc. to consider. PLANETHYP is one of the largest independent real estate financiers with more than 1 billion intermediated loans in 2016 and has been awarded many prizes (among other things as the best mortgage lender). It is based on current interest rates and follow-up conditions:

Amortization Change: A 2-5 percent amortization change is possible during the commit period per year. The amortization change has no effect on the special repayment right. Forward surcharge: The delivery time is a maximum of 60 calendar months. When calculating the forward surcharge, the first 6 calendar months of the lead time are not taken into account. Note on credit volume: The possible deduction of 0.1% from 200,000 EUR loans are restrictions such. B. new customer, no leasehold, no additional collateral, etc. to consider.

This is based on the current interest rates and subsequent conditions: Amortization: An amortization of between 2 and 5 percent is possible during the commitment period per year. The amortization change has no effect on the special repayment right. Forward surcharge: The delivery time is a maximum of 60 calendar months. When calculating the forward surcharge, the first 6 calendar months of the lead time are not taken into account.

Note on credit volume: The possible deduction of 0.1% from 200,000 EUR loans are restrictions such. B. new customer, no leasehold, no additional collateral, etc. to consider. This is based on the current interest rates and subsequent conditions: Amortization: During the commitment period, an amortization of between 2 and 5 percent per annum is possible.

The amortization change has no effect on the special repayment right. Forward surcharge: The delivery time is a maximum of 60 calendar months. When calculating the forward surcharge, the first 6 calendar months of the lead time are not taken into account. Note on credit volume: The possible deduction of 0.1% from 200,000 EUR loans are restrictions such. B. new customer, no leasehold, no additional collateral, etc. to consider.

Of the more than 250 lenders, almost every request of the customer is implemented – be it purchase or new financing, rescheduling, term loan or installment loan. This is based on the current interest rates and subsequent conditions: Amortization: During the commitment period, an amortization of between 2 and 5 percent per annum is possible.

The amortization change has no effect on the special repayment right. Forward surcharge: The delivery time is a maximum of 60 calendar months. When calculating the forward surcharge, the first 6 calendar months of the lead time are not taken into account. Note on credit volume: The possible deduction of 0.1% from 200,000 EUR loans are restrictions such. B. new customer, no leasehold, no additional collateral, etc. to consider.

This is based on the current interest rates and subsequent conditions: Amortization: An amortization of between 2 and 5 percent is possible during the commitment period per year. The amortization change has no effect on the special repayment right. Forward surcharge: The delivery time is a maximum of 60 calendar months. When calculating the forward surcharge, the first 6 calendar months of the lead time are not taken into account.

Note on credit volume: The possible deduction of 0.1% from 200,000 EUR loans are restrictions such. B. new customer, no leasehold, no additional collateral, etc. to consider. With open eyes and ears, we explain your mortgage lending, create fast, clear procedures and thus realize immediately good conditions and favorable interest rates.

This is based on the current interest rates and subsequent conditions:

This is based on the current interest rates and subsequent conditions:

Amortization: During the commitment period, an amortization of between 2 and 5 percent per annum is possible. The amortization change has no effect on the special repayment right. Forward surcharge: The delivery time is a maximum of 60 calendar months. When calculating the forward surcharge, the first 6 calendar months of the lead time are not taken into account.

Note on credit volume: The possible deduction of 0.1% from 200,000 EUR loans are restrictions such. B. new customer, no leasehold, no additional collateral, etc. to consider. In 2016, more than 6,000 loan agreements with a volume of more than € 1.5 billion were closed. It is based on current interest rates and follow-up conditions:

The loan can be terminated free of charge for a surcharge of 0.03% from the second year onwards, but is only valid in case of death, prolonged illness, transfer due to a change of job or retirement. Amortization Change: A two to four percent amortization change is possible twice during the commit period. The amortization change has no effect on the special repayment right.

Forward surcharge: The delivery time is a maximum of 36 months. When calculating the forward surcharge, the first 3 calendar months of the lead time are not taken into account. Telephone financial advice, no local distribution advice, no government grants, a credit module, not for the self-employed. Prerequisite: More than 3 years term; Loan amount over EUR 2,000, -. ATTENTION! For over 55-year-olds, the financing period is reduced to 40% of the purchase price depending on the age.

This is based on the current interest rates and subsequent conditions: Amortization: An amortization of between 2 and 5 percent is possible twice during the commitment period. The amortization change has no effect on the special repayment right. Forward surcharge: The delivery time is a maximum of 48 months. When determining the forward premium, the first 12 calendar months of the lead time are not taken into account.

The loan can be terminated free of charge for a surcharge of 0.03% from the second year onwards, but is only valid in case of death, prolonged illness, transfer due to a change of job or retirement.

Amortization Change: An amortization change of 2 to 4 percent is possible twice during the commit period. The amortization change has no effect on the special repayment right. Forward surcharge: The delivery time is a maximum of 36 months. When calculating the forward surcharge, the first 3 calendar months of the lead time are not taken into account. Telephone financial advice, no local distribution advice, no government grants, a credit module, not for the self-employed.

Prerequisite: More than 3 years term; Loan amount over EUR 2,000, -. ATTENTION! For over 55-year-olds, the financing period is reduced to 40% of the purchase price depending on the age. This is based on the current interest rates and subsequent conditions: Amortization: An amortization change between 1 and 5 percent is possible four times during the commitment period.

The amortization change has no effect on the special repayment right.

The amortization change has no effect on the special repayment right.

Starting at 200,000 EUR, four additional repayment installment changes are free. Forward surcharge: The delivery time is a maximum of 60 calendar months. The interest premium per month lead time depends on the interest rate and the lead time. When calculating the forward surcharge, the first 6 calendar months of the lead time are not taken into account. Current key interest rates of the lender: More about the PSD economy Cologne: The PSD bank Cologne EEC is one of 14 independent PSD banks in Germany, which found its beginning over 140 years ago in the postal, savings and credit associations.

This is based on the current interest rates and subsequent conditions: Amortization: During the commitment period, an amortization of between 2 and 5 percent per annum is possible. The amortization change has no effect on the special repayment right. Forward surcharge: The delivery time is a maximum of 60 calendar months. When calculating the forward surcharge, the first 6 calendar months of the lead time are not taken into account.

Note on credit volume: The possible deduction of 0.1% from 200,000 EUR loans are restrictions such. B. new customer, no leasehold, no additional collateral, etc. to consider. This is based on current interest rates and subsequent conditions: the loan can be terminated free of charge for a surcharge of 0.03% from the second year onwards, but is only valid in the event of death, prolonged illness, transfer due to a change of job or retirement.

Amortization Change: An amortization change of 2 to 4 percent is possible twice during the commit period. The amortization change has no effect on the special repayment right. Forward surcharge: The delivery time is a maximum of 36 months. When calculating the forward surcharge, the first 3 calendar months of the lead time are not taken into account. Prerequisite: More than 3 years term; Loan amount over EUR 2,000, -.

ATTENTION: For people over the age of 55, the financing period will be reduced to 40% of the purchase price depending on the age. This is based on the current interest rates and follow-up conditions: Amortization: During the commitment period, a repayment of 1 to 5 percent per year is possible. The amortization change has no effect on the special repayment right.

Forward surcharge: The delivery time is a maximum of 36 months. When determining the forward premium, the first 12 calendar months of the lead time are not taken into account. This is based on the current interest rates and subsequent conditions: Amortization: During the commitment period, a repayment of 2 to 4 percent per annum is possible. The amortization change has no effect on the special repayment right.

Forward surcharge: The delivery time is a maximum of 36 months. When calculating the forward surcharge, the first 6 calendar months of the lead time are not taken into account. This is based on the current interest rates and subsequent conditions: Reimbursement change: A repayment installment change is possible on informal request of the client and after verification. Forward surcharge: The delivery time is a maximum of 60 calendar months. Note on the estimated costs: For objects that are over 25 years old, an appraisal is required – then for loans under 300,000 E.

The current interest rates and follow-up conditions are used as the basis: Amortization: An amortization of between 1 and 5 percent is possible three times during the commitment period. The amortization change has no effect on the special repayment right. Only possible if the initial repayment is between 1 and 5% (does not apply to repayment loans and loans for which a minimum repayment is required).