Loan Comparison
Indexed loans have lower interest rates and lower initial payments, but asset formation is slower. Non-indexed loans have higher interest rates and higher initial installments, but at the same time asset formation is faster. Here you can see the main difference between these three different options.
| Non-Indexed fixed up to 36 months |
Indexed fixed up to 36 months |
Indexed fixed for the duration of the loan |
|
|---|---|---|---|
| Monthly installments at the beginning | Higher | Lower | Lower |
| Asset formation | Faster | Slower | Slower |
| Changes in debt | Big | Medium | Small |
There is also a choice between annuity and equal installments.
- Annuity: The monthly payment is lower initially, but asset formation is slower
- Equal installments: The monthly payment is higher initially, but asset formation is faster
The best way to see the difference between the types of loans and types of installments is to use the Loan Calculator. Keep experimenting with different options and we especially recommend comparing the item "Total payment" before making a decision.
Mixed Loan – Both Indexed and Non-Indexed
Please note that it is possible to take out a mixed loan that is partly index-linked and partly non-indexed. In this way, you can have the best of both worlds and use the advantages of both indexed and non-indexed loans. The easiest way is to use the calculator to assess whether a mixed loan is suitable for you.