Would you like to repay an existing loan early to save interest? – With our calculator, you can easily calculate the repayment amount based on the original key data of the loan so that nothing stands in the way of your loan repayment.
Determine the redemption amount with our loan redemption calculator
h1 { text-align: center; }| Datum | Ablösesumme’; for (var i = 0; i <= originalTerm; i++) { var date = new Date(firstPaymentDate.getFullYear(), firstPaymentDate.getMonth() + i, firstPaymentDate.getDate()); var remainingBalance = calculateRemainingBalance(loanAmount, monthlyPayment, annualInterestRate, i); resultHtml += ' |
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var principalForMonth = monthlyPayment – interestForMonth;
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term++;
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>> Would you like to pay off your existing loan with the help of a new, more favorable loan (debt restructuring) instead of using your own funds? – We can help you get the best loan for this! Basis of the transfer feeWhat is the transfer fee?In Switzerland, the redemption amount corresponds exactly to the remaining debt on your loan. This means that the redemption amount is equal to the total debt less the repayments already made. Since borrowers in Switzerland always have the right to repay a loan early, no further interest is incurred when refinancing the loan. There are no fees or early repayment penalties for the bank for personal loans, as is the case in other countries such as Germany (in Switzerland only for mortgages). This makes the early repayment of a personal loan in Switzerland particularly straightforward, as the repayment amount is easy and transparent to calculate and contains no hidden costs. Advantages of early loan repaymentEarly loan repayment offers significant advantages, particularly in terms of financial savings and flexibility: 
These advantages make early loan repayment an attractive option for borrowers who want to improve their financial situation. Loan repayment calculator: a useful toolHow does the loan repayment calculator work?The repayment calculator is an efficient online tool that helps you to determine the remaining debt on your loan quickly and easily. You simply enter the original loan amount, the interest rate and the start date of your loan, as well as the amount of the monthly installment. The calculator processes this information and shows you the current remaining debt – your redemption amount. This process saves you time and ensures that you receive an accurate and transparent calculation of your transfer fee. Using the calculator to optimize your finances The transfer fee calculator is not only an instrument for calculating your transfer fee, but also a strategic tool for financial planning. Here are some ways in which you can use the calculator:
With the loan repayment calculator, we give you the control and transparency you need to make smart decisions about your loans. Calculate loan repayment: step by stepHow is the transfer fee calculated?The calculation of the transfer fee is a direct and straightforward process in Switzerland. It corresponds to the remaining debt on your loan, i.e. the total amount of your loan minus the repayments already made. To determine this sum, you must follow the steps below:
Example calculations and scenariosLet us illustrate this with an example:
It is important to note that in Switzerland no additional fees or penalties (early repayment penalty or similar) may be charged for the early repayment of a loan. This makes it particularly attractive to repay loans early and thus save interest. Repaying a loan early: Process and implicationsWhat happens to interest in the event of early loan repayment?If you decide to repay your loan in Switzerland early, no further interest will be charged from the date of repayment. Since the interest was included in the installments already paid and the redemption amount only represents the remaining debt, all interest obligations are fulfilled with the redemption. This leads to direct interest savings, as you do not have to pay interest for the originally agreed term of the loan in accordance with the original repayment plan. Is it possible to pay the remaining debt in one go? Yes, in Switzerland it is regulated by law that you have the right to repay your loan early at any time. This means that you have the option of settling your entire remaining debt in a single payment. This can be particularly useful if you have the necessary funds and want to take advantage of the interest savings. However, in agreement with the lender, you can also repay only part of the remaining debt with a one-off special payment. >> Click here for the loan budget calculator. Review of the loan agreement: Important aspectsBefore you repay your loan early, it is important to check your loan agreement carefully. Pay attention to:
In Switzerland, loan agreements are generally formulated clearly and comprehensibly due to the transparent legal situation, which makes the decision and the process of early loan repayment easier for you. However, if you have any questions about your existing loan, we will be happy to help you as part of our free advisory service. Simply send an email to info@kredit-vergleich.ch and we will get back to you as soon as possible. What is an early repayment penalty?In many countries – such as Germany – borrowers have to pay a prepayment penalty if they repay their loan before the agreed end date. To determine the specific amount of the early repayment penalty, there are corresponding calculators online. This fee serves to compensate the bank for the loss of interest. However, this is different in Switzerland, where there is no early repayment penalty. Borrowers in Switzerland have the right to repay their loan early at any time without additional costs. Conclusion: Optimize your finances by paying off your loan wiselyEarly loan repayment in Switzerland offers an excellent opportunity to optimize your finances and increase your financial freedom. Without the burden of early repayment penalties and with the option of paying off your remaining debt at any time, you have enormous flexibility in your hands. This enables you to make strategic decisions that can have a positive impact on your financial future. Important takeaways
Closing wordsAs an independent loan comparison for Switzerland , we pride ourselves on providing you with the tools and information you need to make smart decisions about your loans. Our Loan Repayment Calculator is a simple but powerful tool to help you see your financial options clearly and make the best possible decisions for your financial future. By the way: If you would like to take out a new loan to pay off your existing one as part of a debt restructuring, we are also happy to be your contact for this! If a loan was taken out during a period of high interest rates, it may make sense to refinance it today at more favorable interest rates. |