Kredit
9 cards from across every topic, each citing a source. Tap one to open it in the feed.
- 1% more repayment cuts 13 years off a mortgage.
The initial repayment rate shapes the term far more than it sounds. At 4% interest, a loan with 1% repayment takes …
- How a credit bureau decides whether you're creditworthy.
Credit bureaus collect data on accounts, loans, contracts and missed payments and condense it into a probability that …
- How a decision in Frankfurt changes your loan payment.
The key rate is what banks pay to borrow from the ECB or earn parking money there. When it rises, money gets dearer for …
- How a loan payment that never changes actually works.
With an annuity loan you pay the same instalment every month, but its composition shifts. On €200,000 at 4% interest …
- Pay later is a loan, even if it isn't called one.
Buy now, pay later splits a purchase into small instalments and looks like a payment method, not a loan. That's …
- The credit-card setting that costs you hundreds of euros.
With a true credit card, the bank collects your spending and debits it once a month. Pay the full amount then and the …
- The most expensive loan is the one you never applied for.
An overdraft is a pre-approved facility on your current account. You sign nothing; the balance simply goes negative. …
- The one number that makes every loan comparable.
The nominal rate states only the pure interest. The annual percentage rate (APR) includes fees, payment schedule and …
- Two ways out of debt: one does math, one motivates.
List every debt with balance and interest rate. Pay the minimum on all of them. With the avalanche method, everything …