{"id":671,"date":"2026-07-30T05:20:05","date_gmt":"2026-07-30T05:20:05","guid":{"rendered":"https:\/\/profinanzrechner.de\/?page_id=671"},"modified":"2026-08-18T09:13:53","modified_gmt":"2026-08-18T09:13:53","slug":"annuity-loan-calculator","status":"publish","type":"post","link":"https:\/\/profinanzrechner.de\/en\/annuity-loan-calculator\/","title":{"rendered":"Annuity Loan Calculator"},"content":{"rendered":"<style>.kb-row-layout-id671_5cc4fc-62 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id671_5cc4fc-62 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id671_5cc4fc-62 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id671_5cc4fc-62 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id671_5cc4fc-62 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id671_5cc4fc-62 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id671_5cc4fc-62 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column671_4d167e-4b > .kt-inside-inner-col,.kadence-column671_4d167e-4b > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column671_4d167e-4b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column671_4d167e-4b > .kt-inside-inner-col{flex-direction:column;}.kadence-column671_4d167e-4b > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column671_4d167e-4b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column671_4d167e-4b{position:relative;}@media all and (max-width: 1024px){.kadence-column671_4d167e-4b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column671_4d167e-4b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column671_4d167e-4b\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading671_15c570-e8, .wp-block-kadence-advancedheading.kt-adv-heading671_15c570-e8[data-kb-block=\"kb-adv-heading671_15c570-e8\"]{text-align:center;font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_15c570-e8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_15c570-e8[data-kb-block=\"kb-adv-heading671_15c570-e8\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_15c570-e8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_15c570-e8[data-kb-block=\"kb-adv-heading671_15c570-e8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h1 class=\"kt-adv-heading671_15c570-e8 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_15c570-e8\">Annuity Loan Calculator &#8211; Calculate Installment, Repayment, and Interest<\/h1>\n\n\n    <section class=\"calculator-container annuity-calculator calc-wrapper cols-1\">\r\n        <div class=\"calc-row\">\r\n            <div class=\"calc-col\">\r\n                <p class=\"calc-title\">Annuity Loan Calculator<\/p>\r\n                <form id=\"annuityCalc\" class=\"calc-form\">\r\n\r\n                    <label for=\"loanAmount\">Loan Amount (\u20ac)<\/label>\r\n                    <input type=\"number\" id=\"loanAmount\" name=\"loanAmount\" placeholder=\"e.g. 200000\" min=\"1\" max=\"10000000\" required>\r\n\r\n                    <label for=\"interestRate\">Nominal Interest Rate (% p.a.)<\/label>\r\n                    <input type=\"number\" id=\"interestRate\" name=\"interestRate\" step=\"0.01\" placeholder=\"e.g. 3.5\" min=\"0.01\" max=\"20\" required>\r\n\r\n                    <label>Fixed Interest Period (Years)<\/label>\r\n                    <div class=\"chip-group\" id=\"zinsbindungChips\">\r\n                        <button type=\"button\" class=\"chip-btn\" data-value=\"5\">5<\/button>\r\n                        <button type=\"button\" class=\"chip-btn\" data-value=\"10\">10<\/button>\r\n                        <button type=\"button\" class=\"chip-btn chip-active\" data-value=\"15\">15<\/button>\r\n                        <button type=\"button\" class=\"chip-btn\" data-value=\"20\">20<\/button>\r\n                        <button type=\"button\" class=\"chip-btn\" data-value=\"25\">25<\/button>\r\n                        <button type=\"button\" class=\"chip-btn\" data-value=\"30\">30<\/button>\r\n                    <\/div>\r\n                    <input type=\"hidden\" id=\"loanTerm\" name=\"loanTerm\" value=\"15\">\r\n\r\n                    <label for=\"calcMode\">Calculate By...<\/label>\r\n                    <select id=\"calcMode\" name=\"calcMode\">\r\n                        <option value=\"tilgung\">Initial Repayment \/ Amortization Rate<\/option>\r\n                        <option value=\"rate\">Specify Monthly Payment<\/option>\r\n                        <option value=\"volltilgung\">Full Repayment During Fixed Period<\/option>\r\n                    <\/select>\r\n\r\n                    <div id=\"tilgungField\">\r\n                        <label for=\"tilgungssatz\">Initial Amortization Rate (%)<\/label>\r\n                        <input type=\"number\" id=\"tilgungssatz\" name=\"tilgungssatz\" step=\"0.01\" placeholder=\"e.g. 2\" min=\"0.1\" max=\"20\">\r\n                    <\/div>\r\n\r\n                    <div id=\"rateField\" class=\"hidden\">\r\n                        <label for=\"monatsrate\">Monthly Payment (\u20ac)<\/label>\r\n                        <input type=\"number\" id=\"monatsrate\" name=\"monatsrate\" step=\"0.01\" placeholder=\"e.g. 900\" min=\"1\">\r\n                    <\/div>\r\n\r\n                    <label for=\"sondertilgung\">Annual Extra Repayment (\u20ac, optional)<\/label>\r\n                    <input type=\"number\" id=\"sondertilgung\" name=\"sondertilgung\" step=\"0.01\" placeholder=\"0\" value=\"0\" min=\"0\">\r\n\r\n                    <div class=\"calc-actions\">\r\n                        <button type=\"submit\" class=\"calc-btn calc-btn-primary\">Calculate<\/button>\r\n                        <button type=\"reset\" class=\"calc-btn calc-btn-ghost\">Reset<\/button>\r\n                    <\/div>\r\n                <\/form>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- Results: full width, only visible after calculation -->\r\n        <div id=\"result\" class=\"calc-fullwidth\">\r\n            <p class=\"calc-title\">Results<\/p>\r\n            <div id=\"annuityResults\" class=\"calc-results two-per-row\" style=\"display:none;\">\r\n                <div class=\"calc-result-item\">\r\n                    <span class=\"result-label\">Monthly Payment:<\/span><br>\r\n                    <span id=\"monthlyPayment\" class=\"result-value\">\u2014<\/span>\r\n                <\/div>\r\n                <div class=\"calc-result-item\">\r\n                    <span class=\"result-label\">Annual Payment:<\/span><br>\r\n                    <span id=\"yearlyPayment\" class=\"result-value\">\u2014<\/span>\r\n                <\/div>\r\n                <div class=\"calc-result-item\">\r\n                    <span class=\"result-label\">Effective Annual Interest Rate:<\/span><br>\r\n                    <span id=\"effectiveRate\" class=\"result-value\">\u2014<\/span>\r\n                <\/div>\r\n                <div class=\"calc-result-item\">\r\n                    <span class=\"result-label\">Interest Payments (Fixed Period):<\/span><br>\r\n                    <span id=\"totalInterest\" class=\"result-value\">\u2014<\/span>\r\n                <\/div>\r\n                <div class=\"calc-result-item\">\r\n                    <span class=\"result-label\">Remaining Debt After Fixed Period:<\/span><br>\r\n                    <span id=\"remainingDebt\" class=\"result-value\">\u2014<\/span>\r\n                <\/div>\r\n                <div class=\"calc-result-item result-highlight\">\r\n                    <span class=\"result-label\">Total Cost (Fixed Period):<\/span><br>\r\n                    <span id=\"totalRepayment\" class=\"result-value\">\u2014<\/span>\r\n                <\/div>\r\n            <\/div>\r\n            <p class=\"calc-tip\">Important note: This calculation is for illustrative purposes only and does not constitute a binding offer. We accept no liability for the calculation result. Displayed interest rates are based on your manual inputs.<\/p>\r\n        <\/div>\r\n\r\n        <div id=\"tilgungsplanWrap\" class=\"calc-fullwidth\" style=\"display:none; margin-top:20px; overflow-x:auto;\">\r\n            <p class=\"calc-title\">Amortization Schedule (Annual)<\/p>\r\n            <table class=\"calc-table\" id=\"tilgungsplanTable\">\r\n                <thead>\r\n                    <tr>\r\n                        <th>Year<\/th>\r\n                        <th>Interest Portion<\/th>\r\n                        <th>Principal Portion<\/th>\r\n                        <th>Remaining Balance<\/th>\r\n                    <\/tr>\r\n                <\/thead>\r\n                <tbody id=\"tilgungsplanBody\"><\/tbody>\r\n            <\/table>\r\n        <\/div>\r\n    <\/section>\r\n    \n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_85b769-ce, .wp-block-kadence-advancedheading.kt-adv-heading671_85b769-ce[data-kb-block=\"kb-adv-heading671_85b769-ce\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_85b769-ce mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_85b769-ce[data-kb-block=\"kb-adv-heading671_85b769-ce\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_85b769-ce img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_85b769-ce[data-kb-block=\"kb-adv-heading671_85b769-ce\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_85b769-ce wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_85b769-ce\">When taking out a loan for a property or other investment, careful financial planning is essential for long-term stability. In Germany, the annuity loan is one of the most common types of credit \u2014 used both in property financing and in classic installment loans. This type of loan is popular with borrowers because it offers high planning security through fixed installments that stay the same throughout the entire term.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_9010ac-07, .wp-block-kadence-advancedheading.kt-adv-heading671_9010ac-07[data-kb-block=\"kb-adv-heading671_9010ac-07\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_9010ac-07 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_9010ac-07[data-kb-block=\"kb-adv-heading671_9010ac-07\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_9010ac-07 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_9010ac-07[data-kb-block=\"kb-adv-heading671_9010ac-07\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_9010ac-07 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_9010ac-07\">With our Annuity Loan Calculator, you can quickly and freely determine your monthly installment, the interest and repayment portions, and the remaining debt. This gives you full clarity for every financing decision. If you have other financial questions beyond financing, you&#8217;ll find more suitable calculators on <a href=\"https:\/\/profinanzrechner.de\/en\/\" data-type=\"page\" data-id=\"141\">Profinanzrechner<\/a>.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id671_1b043a-88 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id671_1b043a-88 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id671_1b043a-88 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);}.kb-row-layout-id671_1b043a-88 > .kt-row-column-wrap > *:nth-child(3n of *:not(style)){grid-column:1 \/ -1;}.kb-row-layout-id671_1b043a-88 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id671_1b043a-88 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id671_1b043a-88 > .kt-row-column-wrap > *:nth-child(3n of *:not(style)){grid-column:1 \/ -1;}}@media all and (max-width: 1024px){.kb-row-layout-id671_1b043a-88 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id671_1b043a-88 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id671_1b043a-88 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id671_1b043a-88 alignfull has-theme-palette7-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-3-columns kt-row-layout-last-row kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column671_5a8d1a-3a > .kt-inside-inner-col,.kadence-column671_5a8d1a-3a > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column671_5a8d1a-3a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column671_5a8d1a-3a > .kt-inside-inner-col{flex-direction:column;}.kadence-column671_5a8d1a-3a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column671_5a8d1a-3a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column671_5a8d1a-3a{position:relative;}@media all and (max-width: 1024px){.kadence-column671_5a8d1a-3a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column671_5a8d1a-3a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column671_5a8d1a-3a\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading671_7f06d3-08, .wp-block-kadence-advancedheading.kt-adv-heading671_7f06d3-08[data-kb-block=\"kb-adv-heading671_7f06d3-08\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_7f06d3-08 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_7f06d3-08[data-kb-block=\"kb-adv-heading671_7f06d3-08\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_7f06d3-08 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_7f06d3-08[data-kb-block=\"kb-adv-heading671_7f06d3-08\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading671_7f06d3-08 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_7f06d3-08\">What Is an Annuity Loan?<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_a33c9c-d1, .wp-block-kadence-advancedheading.kt-adv-heading671_a33c9c-d1[data-kb-block=\"kb-adv-heading671_a33c9c-d1\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_a33c9c-d1 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_a33c9c-d1[data-kb-block=\"kb-adv-heading671_a33c9c-d1\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_a33c9c-d1 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_a33c9c-d1[data-kb-block=\"kb-adv-heading671_a33c9c-d1\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_a33c9c-d1 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_a33c9c-d1\">An annuity loan is a type of credit where the borrower makes regular fixed installments throughout the entire term, each covering both an interest portion and a repayment portion. Unlike loans with variable installments, the monthly payment on an annuity loan stays constant. While the ratio between the interest and repayment portions shifts over time, the total amount paid per installment remains the same.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_f649e7-b4, .wp-block-kadence-advancedheading.kt-adv-heading671_f649e7-b4[data-kb-block=\"kb-adv-heading671_f649e7-b4\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_f649e7-b4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_f649e7-b4[data-kb-block=\"kb-adv-heading671_f649e7-b4\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_f649e7-b4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_f649e7-b4[data-kb-block=\"kb-adv-heading671_f649e7-b4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_f649e7-b4 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_f649e7-b4\">At the start of the term, the interest portion of the installment is at its highest, since the remaining debt is still greatest. As repayment progresses, the remaining debt decreases, and with it the interest portion, while the repayment portion continuously increases.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column671_2ddcb7-c0 > .kt-inside-inner-col,.kadence-column671_2ddcb7-c0 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column671_2ddcb7-c0 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column671_2ddcb7-c0 > .kt-inside-inner-col{flex-direction:column;}.kadence-column671_2ddcb7-c0 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column671_2ddcb7-c0 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column671_2ddcb7-c0{position:relative;}@media all and (max-width: 1024px){.kadence-column671_2ddcb7-c0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column671_2ddcb7-c0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column671_2ddcb7-c0\"><div class=\"kt-inside-inner-col\"><style>.kb-image671_384823-97 .kb-image-has-overlay:after{opacity:0.3;border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-image671_384823-97 img.kb-img, .kb-image671_384823-97 .kb-img img{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;box-shadow:0px 8px 24px -4px rgba(0, 0, 0, 0.15);}<\/style>\n<div class=\"wp-block-kadence-image kb-image671_384823-97\"><figure class=\"aligncenter\"><img decoding=\"async\" width=\"1080\" height=\"608\" src=\"https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/annuity-loan-calculator-mortgage-payment-interest-rate.webp\" alt=\"Annuity loan calculator showing mortgage payments, interest rates and home financing\" class=\"kb-img wp-image-1885\" title=\"\" srcset=\"https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/annuity-loan-calculator-mortgage-payment-interest-rate.webp 1080w, https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/annuity-loan-calculator-mortgage-payment-interest-rate-300x169.webp 300w, https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/annuity-loan-calculator-mortgage-payment-interest-rate-1024x576.webp 1024w, https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/annuity-loan-calculator-mortgage-payment-interest-rate-768x432.webp 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/><\/figure><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column671_a2bc7d-13 > .kt-inside-inner-col,.kadence-column671_a2bc7d-13 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column671_a2bc7d-13 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column671_a2bc7d-13 > .kt-inside-inner-col{flex-direction:column;}.kadence-column671_a2bc7d-13 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column671_a2bc7d-13 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column671_a2bc7d-13{position:relative;}@media all and (max-width: 1024px){.kadence-column671_a2bc7d-13 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column671_a2bc7d-13 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column671_a2bc7d-13\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading671_ef3c0b-82, .wp-block-kadence-advancedheading.kt-adv-heading671_ef3c0b-82[data-kb-block=\"kb-adv-heading671_ef3c0b-82\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_ef3c0b-82 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_ef3c0b-82[data-kb-block=\"kb-adv-heading671_ef3c0b-82\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_ef3c0b-82 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_ef3c0b-82[data-kb-block=\"kb-adv-heading671_ef3c0b-82\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_ef3c0b-82 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_ef3c0b-82\">The annuity loan thus offers borrowers a clear, easily plannable model. For a detailed breakdown of your individual financing, use our free Annuity Loan Calculator.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id671_651544-7f > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id671_651544-7f > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id671_651544-7f > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id671_651544-7f > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id671_651544-7f > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id671_651544-7f > .kt-row-column-wrap{padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id671_651544-7f alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column671_50f6f7-00 > .kt-inside-inner-col,.kadence-column671_50f6f7-00 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column671_50f6f7-00 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column671_50f6f7-00 > .kt-inside-inner-col{flex-direction:column;}.kadence-column671_50f6f7-00 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column671_50f6f7-00 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column671_50f6f7-00{position:relative;}@media all and (max-width: 1024px){.kadence-column671_50f6f7-00 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column671_50f6f7-00 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column671_50f6f7-00\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading671_d26572-76, .wp-block-kadence-advancedheading.kt-adv-heading671_d26572-76[data-kb-block=\"kb-adv-heading671_d26572-76\"]{text-align:left;font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_d26572-76 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_d26572-76[data-kb-block=\"kb-adv-heading671_d26572-76\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_d26572-76 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_d26572-76[data-kb-block=\"kb-adv-heading671_d26572-76\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading671_d26572-76 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_d26572-76\">The Role of an Annuity Loan Calculator<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_923581-aa, .wp-block-kadence-advancedheading.kt-adv-heading671_923581-aa[data-kb-block=\"kb-adv-heading671_923581-aa\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_923581-aa mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_923581-aa[data-kb-block=\"kb-adv-heading671_923581-aa\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_923581-aa img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_923581-aa[data-kb-block=\"kb-adv-heading671_923581-aa\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_923581-aa wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_923581-aa\">The annuity loan calculator plays a central role in financing planning. It helps borrowers balance affordability with long-term stability by providing a clear overview of the repayment schedule.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_8920b3-07, .wp-block-kadence-advancedheading.kt-adv-heading671_8920b3-07[data-kb-block=\"kb-adv-heading671_8920b3-07\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_8920b3-07 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_8920b3-07[data-kb-block=\"kb-adv-heading671_8920b3-07\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_8920b3-07 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_8920b3-07[data-kb-block=\"kb-adv-heading671_8920b3-07\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_8920b3-07 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_8920b3-07\">To get a precise overview of how repayments are distributed over the term, you simply need to enter the loan amount, term, and interest rate. The calculator then automatically determines your monthly installment and the total cost of your loan.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_014c8c-3b, .wp-block-kadence-advancedheading.kt-adv-heading671_014c8c-3b[data-kb-block=\"kb-adv-heading671_014c8c-3b\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_014c8c-3b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_014c8c-3b[data-kb-block=\"kb-adv-heading671_014c8c-3b\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_014c8c-3b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_014c8c-3b[data-kb-block=\"kb-adv-heading671_014c8c-3b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_014c8c-3b wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_014c8c-3b\">The Annuity Loan Calculator also lets you freely run through different scenarios, such as varying repayment rates or terms.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id671_b8e306-37 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id671_b8e306-37 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id671_b8e306-37 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id671_b8e306-37 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id671_b8e306-37 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id671_b8e306-37 > .kt-row-column-wrap{padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id671_b8e306-37 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column671_33efa8-cb > .kt-inside-inner-col,.kadence-column671_33efa8-cb > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column671_33efa8-cb > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column671_33efa8-cb > .kt-inside-inner-col{flex-direction:column;}.kadence-column671_33efa8-cb > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column671_33efa8-cb > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column671_33efa8-cb{position:relative;}@media all and (max-width: 1024px){.kadence-column671_33efa8-cb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column671_33efa8-cb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column671_33efa8-cb\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading671_9adc60-64, .wp-block-kadence-advancedheading.kt-adv-heading671_9adc60-64[data-kb-block=\"kb-adv-heading671_9adc60-64\"]{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:center;font-style:normal;border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.wp-block-kadence-advancedheading.kt-adv-heading671_9adc60-64 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_9adc60-64[data-kb-block=\"kb-adv-heading671_9adc60-64\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_9adc60-64 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_9adc60-64[data-kb-block=\"kb-adv-heading671_9adc60-64\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading671_9adc60-64 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color has-theme-palette-1-background-color has-background\" data-kb-block=\"kb-adv-heading671_9adc60-64\">Calculation Variants: Repayment Rate, Monthly Installment, or Full Repayment<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_b36859-d0, .wp-block-kadence-advancedheading.kt-adv-heading671_b36859-d0[data-kb-block=\"kb-adv-heading671_b36859-d0\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_b36859-d0 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_b36859-d0[data-kb-block=\"kb-adv-heading671_b36859-d0\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_b36859-d0 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_b36859-d0[data-kb-block=\"kb-adv-heading671_b36859-d0\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_b36859-d0 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_b36859-d0\">Depending on your financing goal, you can calculate an annuity loan in different ways and choose the repayment strategy that fits your financial situation.<\/p>\n\n\n<style>.kb-row-layout-id671_9691e7-b6 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id671_9691e7-b6 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id671_9691e7-b6 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id671_9691e7-b6 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id671_9691e7-b6 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id671_9691e7-b6 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id671_9691e7-b6 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kt-inner-column-height-full\">\n<style>.kadence-column671_2ba2a3-19 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column671_2ba2a3-19 > .kt-inside-inner-col{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);border-bottom:5px solid var(--global-palette6, #718096);}.kadence-column671_2ba2a3-19 > .kt-inside-inner-col,.kadence-column671_2ba2a3-19 > .kt-inside-inner-col:before{border-top-left-radius:3px;border-top-right-radius:3px;border-bottom-right-radius:3px;border-bottom-left-radius:3px;}.kadence-column671_2ba2a3-19:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}.kadence-column671_2ba2a3-19 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column671_2ba2a3-19 > .kt-inside-inner-col{flex-direction:column;}.kadence-column671_2ba2a3-19 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column671_2ba2a3-19 > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column671_2ba2a3-19 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column671_2ba2a3-19{position:relative;}@media all and (max-width: 1024px){.kadence-column671_2ba2a3-19 > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column671_2ba2a3-19:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}@media all and (max-width: 767px){.kadence-column671_2ba2a3-19 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}.kadence-column671_2ba2a3-19:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column671_2ba2a3-19\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading671_b51d90-c4, .wp-block-kadence-advancedheading.kt-adv-heading671_b51d90-c4[data-kb-block=\"kb-adv-heading671_b51d90-c4\"]{text-align:left;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_b51d90-c4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_b51d90-c4[data-kb-block=\"kb-adv-heading671_b51d90-c4\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_b51d90-c4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_b51d90-c4[data-kb-block=\"kb-adv-heading671_b51d90-c4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading671_b51d90-c4 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_b51d90-c4\">Initial Repayment \/ Repayment Rate<\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_b54a4c-05, .wp-block-kadence-advancedheading.kt-adv-heading671_b54a4c-05[data-kb-block=\"kb-adv-heading671_b54a4c-05\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_b54a4c-05 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_b54a4c-05[data-kb-block=\"kb-adv-heading671_b54a4c-05\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_b54a4c-05 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_b54a4c-05[data-kb-block=\"kb-adv-heading671_b54a4c-05\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_b54a4c-05 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_b54a4c-05\">You specify the desired initial repayment rate (common in property financing, usually between 1% and 4%). The calculator then determines your monthly installment.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column671_7f92a4-4d > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column671_7f92a4-4d > .kt-inside-inner-col{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);border-bottom:5px solid var(--global-palette6, #718096);}.kadence-column671_7f92a4-4d > .kt-inside-inner-col,.kadence-column671_7f92a4-4d > .kt-inside-inner-col:before{border-top-left-radius:3px;border-top-right-radius:3px;border-bottom-right-radius:3px;border-bottom-left-radius:3px;}.kadence-column671_7f92a4-4d:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}.kadence-column671_7f92a4-4d > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column671_7f92a4-4d > .kt-inside-inner-col{flex-direction:column;}.kadence-column671_7f92a4-4d > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column671_7f92a4-4d > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column671_7f92a4-4d > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column671_7f92a4-4d{position:relative;}@media all and (max-width: 1024px){.kadence-column671_7f92a4-4d > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column671_7f92a4-4d:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}@media all and (max-width: 767px){.kadence-column671_7f92a4-4d > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}.kadence-column671_7f92a4-4d:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column671_7f92a4-4d\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading671_97e60b-7a, .wp-block-kadence-advancedheading.kt-adv-heading671_97e60b-7a[data-kb-block=\"kb-adv-heading671_97e60b-7a\"]{text-align:left;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_97e60b-7a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_97e60b-7a[data-kb-block=\"kb-adv-heading671_97e60b-7a\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_97e60b-7a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_97e60b-7a[data-kb-block=\"kb-adv-heading671_97e60b-7a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading671_97e60b-7a wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_97e60b-7a\">Specifying the Monthly Installment<\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_dcc085-c3, .wp-block-kadence-advancedheading.kt-adv-heading671_dcc085-c3[data-kb-block=\"kb-adv-heading671_dcc085-c3\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_dcc085-c3 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_dcc085-c3[data-kb-block=\"kb-adv-heading671_dcc085-c3\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_dcc085-c3 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_dcc085-c3[data-kb-block=\"kb-adv-heading671_dcc085-c3\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_dcc085-c3 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_dcc085-c3\">You set the maximum monthly installment you&#8217;re willing to pay. The calculator then works out the resulting repayment rate and the remaining debt at the end of the fixed-interest period.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column671_dd6555-f4 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column671_dd6555-f4 > .kt-inside-inner-col{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);border-bottom:5px solid var(--global-palette6, #718096);}.kadence-column671_dd6555-f4 > .kt-inside-inner-col,.kadence-column671_dd6555-f4 > .kt-inside-inner-col:before{border-top-left-radius:3px;border-top-right-radius:3px;border-bottom-right-radius:3px;border-bottom-left-radius:3px;}.kadence-column671_dd6555-f4:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}.kadence-column671_dd6555-f4 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column671_dd6555-f4 > .kt-inside-inner-col{flex-direction:column;}.kadence-column671_dd6555-f4 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column671_dd6555-f4 > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column671_dd6555-f4 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column671_dd6555-f4{position:relative;}@media all and (max-width: 1024px){.kadence-column671_dd6555-f4 > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column671_dd6555-f4:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}@media all and (max-width: 767px){.kadence-column671_dd6555-f4 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}.kadence-column671_dd6555-f4:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column671_dd6555-f4\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading671_aa7b5f-30, .wp-block-kadence-advancedheading.kt-adv-heading671_aa7b5f-30[data-kb-block=\"kb-adv-heading671_aa7b5f-30\"]{text-align:left;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_aa7b5f-30 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_aa7b5f-30[data-kb-block=\"kb-adv-heading671_aa7b5f-30\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_aa7b5f-30 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_aa7b5f-30[data-kb-block=\"kb-adv-heading671_aa7b5f-30\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading671_aa7b5f-30 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_aa7b5f-30\">Full Repayment During the Fixed-Interest Period<\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_8193f8-41, .wp-block-kadence-advancedheading.kt-adv-heading671_8193f8-41[data-kb-block=\"kb-adv-heading671_8193f8-41\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_8193f8-41 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_8193f8-41[data-kb-block=\"kb-adv-heading671_8193f8-41\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_8193f8-41 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_8193f8-41[data-kb-block=\"kb-adv-heading671_8193f8-41\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_8193f8-41 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_8193f8-41\">The loan is fully repaid by the end of the fixed-interest period; in this case, the fixed-interest period matches the entire loan term. This is also known as a full-repayment loan (Volltilgerdarlehen).<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_dbfc00-63, .wp-block-kadence-advancedheading.kt-adv-heading671_dbfc00-63[data-kb-block=\"kb-adv-heading671_dbfc00-63\"]{padding-top:var(--global-kb-spacing-lg, 3rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_dbfc00-63 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_dbfc00-63[data-kb-block=\"kb-adv-heading671_dbfc00-63\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_dbfc00-63 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_dbfc00-63[data-kb-block=\"kb-adv-heading671_dbfc00-63\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading671_dbfc00-63 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_dbfc00-63\">Special Repayments: Becoming Debt-Free Faster<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_b6b6e5-68, .wp-block-kadence-advancedheading.kt-adv-heading671_b6b6e5-68[data-kb-block=\"kb-adv-heading671_b6b6e5-68\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_b6b6e5-68 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_b6b6e5-68[data-kb-block=\"kb-adv-heading671_b6b6e5-68\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_b6b6e5-68 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_b6b6e5-68[data-kb-block=\"kb-adv-heading671_b6b6e5-68\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_b6b6e5-68 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_b6b6e5-68\">Many banks allow annual special repayments \u2014 additional payments outside the regular installment that let you reduce your remaining debt faster. Special repayments significantly lower the interest burden over the entire term, since they directly reduce the remaining debt on which future interest is calculated. With our calculator, you can see directly how an annual special repayment affects your total costs.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_b2b249-cc, .wp-block-kadence-advancedheading.kt-adv-heading671_b2b249-cc[data-kb-block=\"kb-adv-heading671_b2b249-cc\"]{padding-top:var(--global-kb-spacing-lg, 3rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_b2b249-cc mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_b2b249-cc[data-kb-block=\"kb-adv-heading671_b2b249-cc\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_b2b249-cc img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_b2b249-cc[data-kb-block=\"kb-adv-heading671_b2b249-cc\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading671_b2b249-cc wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_b2b249-cc\">Nominal Interest Rate and Effective Annual Interest Rate<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_4c5c1b-1e, .wp-block-kadence-advancedheading.kt-adv-heading671_4c5c1b-1e[data-kb-block=\"kb-adv-heading671_4c5c1b-1e\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_4c5c1b-1e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_4c5c1b-1e[data-kb-block=\"kb-adv-heading671_4c5c1b-1e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_4c5c1b-1e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_4c5c1b-1e[data-kb-block=\"kb-adv-heading671_4c5c1b-1e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_4c5c1b-1e wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_4c5c1b-1e\">When searching for a loan, you&#8217;ll come across two different interest figures: the nominal interest rate (Sollzins) is the pure loan interest rate excluding additional costs. The effective annual interest rate (effektiver Jahreszins) also factors in all costs and payment terms associated with the loan, making it the more meaningful figure for comparing different loan offers.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_cdc568-5b, .wp-block-kadence-advancedheading.kt-adv-heading671_cdc568-5b[data-kb-block=\"kb-adv-heading671_cdc568-5b\"]{padding-top:var(--global-kb-spacing-lg, 3rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_cdc568-5b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_cdc568-5b[data-kb-block=\"kb-adv-heading671_cdc568-5b\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_cdc568-5b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_cdc568-5b[data-kb-block=\"kb-adv-heading671_cdc568-5b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading671_cdc568-5b wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_cdc568-5b\">Advantages of an Annuity Loan<\/h2>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items671_dc64ff-61:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items671_dc64ff-61 ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items671_dc64ff-61 .kb-svg-icon-wrap{font-size:10px;color:var(--global-palette9, #ffffff);}.wp-block-kadence-iconlist.kt-svg-icon-list-items671_dc64ff-61 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items671_dc64ff-61 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items671_dc64ff-61 ul.kt-svg-icon-list .kt-svg-icon-list-single{background-color:var(--global-palette1, #3182CE);border-radius:10%;border-color:var(--global-palette1, #3182CE);border-width:1px;border-style:solid;padding:4px;}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items671_dc64ff-61 ul.kt-svg-icon-list{grid-row-gap:10px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items671_dc64ff-61 .kb-svg-icon-wrap{font-size:12px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items671_dc64ff-61 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-671_ffccc6-fe .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-671_ffccc6-fe\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_activity kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Planning security:<\/strong> The fixed monthly installment throughout the entire fixed-interest period makes household budgeting much easier.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-671_47a99e-60 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-671_47a99e-60\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_activity kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Budget stability:<\/strong> Since the installment stays the same for the whole term, sudden increases in your monthly costs are ruled out.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-671_373719-e4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-671_373719-e4\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_activity kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Protection against interest rate fluctuations:<\/strong> During the fixed-interest period, the agreed interest rate stays unchanged \u2014 regardless of how the market develops.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-671_03aa0e-76 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-671_03aa0e-76\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_activity kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Transparency:<\/strong> The repayment schedule is clearly traceable at any time through the amortization plan.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-671_6bceb9-cb .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-671_6bceb9-cb\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_activity kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Increasing repayment:<\/strong> As the remaining debt falls, so does the interest portion, while the repayment portion grows continuously, meaning you pay off debt at an increasingly faster rate.<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_e09547-16, .wp-block-kadence-advancedheading.kt-adv-heading671_e09547-16[data-kb-block=\"kb-adv-heading671_e09547-16\"]{padding-top:var(--global-kb-spacing-lg, 3rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_e09547-16 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_e09547-16[data-kb-block=\"kb-adv-heading671_e09547-16\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_e09547-16 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_e09547-16[data-kb-block=\"kb-adv-heading671_e09547-16\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading671_e09547-16 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_e09547-16\">Disadvantages of an Annuity Loan<\/h2>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items671_472495-e7:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items671_472495-e7 ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items671_472495-e7 .kb-svg-icon-wrap{font-size:10px;color:var(--global-palette9, #ffffff);}.wp-block-kadence-iconlist.kt-svg-icon-list-items671_472495-e7 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items671_472495-e7 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items671_472495-e7 ul.kt-svg-icon-list .kt-svg-icon-list-single{background-color:var(--global-palette1, #3182CE);border-radius:10%;border-color:var(--global-palette1, #3182CE);border-width:1px;border-style:solid;padding:4px;}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items671_472495-e7 ul.kt-svg-icon-list{grid-row-gap:10px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items671_472495-e7 .kb-svg-icon-wrap{font-size:12px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items671_472495-e7 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-671_00af5a-35 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-671_00af5a-35\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_activity kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>High interest portion at the start:<\/strong> In the first years, the interest portion makes up the largest share of the installment, so actual repayment is initially low.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-671_410308-c2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-671_410308-c2\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_activity kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Limited flexibility:<\/strong> Without an agreed special repayment option, faster repayment usually isn&#8217;t easily possible.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-671_bda2ac-0f .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-671_bda2ac-0f\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_activity kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Risk with follow-up financing:<\/strong> If the loan isn&#8217;t fully repaid by the end of the fixed-interest period, the remaining debt must be refinanced at the then-current \u2014 potentially higher interest rates.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-671_95be6e-6d .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-671_95be6e-6d\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_activity kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Long-term commitment:<\/strong> Borrowers commit to a fixed payment pattern for the entire fixed-interest period.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-671_bc1110-7d .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-671_bc1110-7d\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_activity kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Possible early repayment penalty:<\/strong> Anyone wanting to repay the loan early, outside of agreed special repayments, often has to pay a penalty to the bank.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id671_8e777d-c2 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id671_8e777d-c2 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id671_8e777d-c2 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id671_8e777d-c2 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id671_8e777d-c2 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id671_8e777d-c2 > .kt-row-column-wrap{padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id671_8e777d-c2 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column671_e9541d-d2 > .kt-inside-inner-col,.kadence-column671_e9541d-d2 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column671_e9541d-d2 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column671_e9541d-d2 > .kt-inside-inner-col{flex-direction:column;}.kadence-column671_e9541d-d2 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column671_e9541d-d2 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column671_e9541d-d2{position:relative;}@media all and (max-width: 1024px){.kadence-column671_e9541d-d2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column671_e9541d-d2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column671_e9541d-d2\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading671_ff8a4d-8e, .wp-block-kadence-advancedheading.kt-adv-heading671_ff8a4d-8e[data-kb-block=\"kb-adv-heading671_ff8a4d-8e\"]{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:center;font-style:normal;border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.wp-block-kadence-advancedheading.kt-adv-heading671_ff8a4d-8e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_ff8a4d-8e[data-kb-block=\"kb-adv-heading671_ff8a4d-8e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_ff8a4d-8e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_ff8a4d-8e[data-kb-block=\"kb-adv-heading671_ff8a4d-8e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading671_ff8a4d-8e wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color has-theme-palette-1-background-color has-background\" data-kb-block=\"kb-adv-heading671_ff8a4d-8e\">Who Is an Annuity Loan Suitable For?<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_5edd1f-0b, .wp-block-kadence-advancedheading.kt-adv-heading671_5edd1f-0b[data-kb-block=\"kb-adv-heading671_5edd1f-0b\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_5edd1f-0b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_5edd1f-0b[data-kb-block=\"kb-adv-heading671_5edd1f-0b\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_5edd1f-0b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_5edd1f-0b[data-kb-block=\"kb-adv-heading671_5edd1f-0b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_5edd1f-0b wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_5edd1f-0b\">An annuity loan is particularly suitable for the following groups:<\/p>\n\n\n<style>.kb-row-layout-id671_2e9922-03 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id671_2e9922-03 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id671_2e9922-03 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id671_2e9922-03 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id671_2e9922-03 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id671_2e9922-03 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id671_2e9922-03 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kt-inner-column-height-full\">\n<style>.kadence-column671_c8e4ef-1a > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column671_c8e4ef-1a > .kt-inside-inner-col{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);border-bottom:5px solid var(--global-palette6, #718096);}.kadence-column671_c8e4ef-1a > .kt-inside-inner-col,.kadence-column671_c8e4ef-1a > .kt-inside-inner-col:before{border-top-left-radius:3px;border-top-right-radius:3px;border-bottom-right-radius:3px;border-bottom-left-radius:3px;}.kadence-column671_c8e4ef-1a:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}.kadence-column671_c8e4ef-1a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column671_c8e4ef-1a > .kt-inside-inner-col{flex-direction:column;}.kadence-column671_c8e4ef-1a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column671_c8e4ef-1a > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column671_c8e4ef-1a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column671_c8e4ef-1a{position:relative;}@media all and (max-width: 1024px){.kadence-column671_c8e4ef-1a > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column671_c8e4ef-1a:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}@media all and (max-width: 767px){.kadence-column671_c8e4ef-1a > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}.kadence-column671_c8e4ef-1a:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column671_c8e4ef-1a\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading671_3729ff-01, .wp-block-kadence-advancedheading.kt-adv-heading671_3729ff-01[data-kb-block=\"kb-adv-heading671_3729ff-01\"]{text-align:left;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_3729ff-01 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_3729ff-01[data-kb-block=\"kb-adv-heading671_3729ff-01\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_3729ff-01 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_3729ff-01[data-kb-block=\"kb-adv-heading671_3729ff-01\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading671_3729ff-01 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_3729ff-01\">Budget-conscious borrowers:<\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_d5cfba-5a, .wp-block-kadence-advancedheading.kt-adv-heading671_d5cfba-5a[data-kb-block=\"kb-adv-heading671_d5cfba-5a\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_d5cfba-5a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_d5cfba-5a[data-kb-block=\"kb-adv-heading671_d5cfba-5a\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_d5cfba-5a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_d5cfba-5a[data-kb-block=\"kb-adv-heading671_d5cfba-5a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_d5cfba-5a wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_d5cfba-5a\">People who plan their monthly expenses carefully and prefer fixed, predictable installments.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column671_2cf9a2-d0 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column671_2cf9a2-d0 > .kt-inside-inner-col{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);border-bottom:5px solid var(--global-palette6, #718096);}.kadence-column671_2cf9a2-d0 > .kt-inside-inner-col,.kadence-column671_2cf9a2-d0 > .kt-inside-inner-col:before{border-top-left-radius:3px;border-top-right-radius:3px;border-bottom-right-radius:3px;border-bottom-left-radius:3px;}.kadence-column671_2cf9a2-d0:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}.kadence-column671_2cf9a2-d0 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column671_2cf9a2-d0 > .kt-inside-inner-col{flex-direction:column;}.kadence-column671_2cf9a2-d0 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column671_2cf9a2-d0 > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column671_2cf9a2-d0 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column671_2cf9a2-d0{position:relative;}@media all and (max-width: 1024px){.kadence-column671_2cf9a2-d0 > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column671_2cf9a2-d0:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}@media all and (max-width: 767px){.kadence-column671_2cf9a2-d0 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}.kadence-column671_2cf9a2-d0:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column671_2cf9a2-d0\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading671_1f7653-55, .wp-block-kadence-advancedheading.kt-adv-heading671_1f7653-55[data-kb-block=\"kb-adv-heading671_1f7653-55\"]{text-align:left;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_1f7653-55 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_1f7653-55[data-kb-block=\"kb-adv-heading671_1f7653-55\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_1f7653-55 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_1f7653-55[data-kb-block=\"kb-adv-heading671_1f7653-55\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading671_1f7653-55 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_1f7653-55\">Property buyers:<\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_4536b6-1b, .wp-block-kadence-advancedheading.kt-adv-heading671_4536b6-1b[data-kb-block=\"kb-adv-heading671_4536b6-1b\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_4536b6-1b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_4536b6-1b[data-kb-block=\"kb-adv-heading671_4536b6-1b\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_4536b6-1b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_4536b6-1b[data-kb-block=\"kb-adv-heading671_4536b6-1b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_4536b6-1b wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_4536b6-1b\">The annuity loan is the most common form of financing for buying or building a property in Germany.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column671_680163-1e > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column671_680163-1e > .kt-inside-inner-col{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);border-bottom:5px solid var(--global-palette6, #718096);}.kadence-column671_680163-1e > .kt-inside-inner-col,.kadence-column671_680163-1e > .kt-inside-inner-col:before{border-top-left-radius:3px;border-top-right-radius:3px;border-bottom-right-radius:3px;border-bottom-left-radius:3px;}.kadence-column671_680163-1e:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}.kadence-column671_680163-1e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column671_680163-1e > .kt-inside-inner-col{flex-direction:column;}.kadence-column671_680163-1e > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column671_680163-1e > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column671_680163-1e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column671_680163-1e{position:relative;}@media all and (max-width: 1024px){.kadence-column671_680163-1e > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column671_680163-1e:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}@media all and (max-width: 767px){.kadence-column671_680163-1e > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}.kadence-column671_680163-1e:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column671_680163-1e\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading671_942523-ee, .wp-block-kadence-advancedheading.kt-adv-heading671_942523-ee[data-kb-block=\"kb-adv-heading671_942523-ee\"]{text-align:left;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_942523-ee mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_942523-ee[data-kb-block=\"kb-adv-heading671_942523-ee\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_942523-ee img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_942523-ee[data-kb-block=\"kb-adv-heading671_942523-ee\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading671_942523-ee wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_942523-ee\">Security-oriented borrowers:<\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_549cf2-ce, .wp-block-kadence-advancedheading.kt-adv-heading671_549cf2-ce[data-kb-block=\"kb-adv-heading671_549cf2-ce\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_549cf2-ce mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_549cf2-ce[data-kb-block=\"kb-adv-heading671_549cf2-ce\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_549cf2-ce img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_549cf2-ce[data-kb-block=\"kb-adv-heading671_549cf2-ce\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_549cf2-ce wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_549cf2-ce\">Anyone who prefers stability over flexibility benefits from the fixed installment structure.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column671_053c14-20 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column671_053c14-20 > .kt-inside-inner-col{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);border-bottom:5px solid var(--global-palette6, #718096);}.kadence-column671_053c14-20 > .kt-inside-inner-col,.kadence-column671_053c14-20 > .kt-inside-inner-col:before{border-top-left-radius:3px;border-top-right-radius:3px;border-bottom-right-radius:3px;border-bottom-left-radius:3px;}.kadence-column671_053c14-20:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}.kadence-column671_053c14-20 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column671_053c14-20 > .kt-inside-inner-col{flex-direction:column;}.kadence-column671_053c14-20 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column671_053c14-20 > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column671_053c14-20 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column671_053c14-20{position:relative;}@media all and (max-width: 1024px){.kadence-column671_053c14-20 > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column671_053c14-20:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}@media all and (max-width: 767px){.kadence-column671_053c14-20 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}.kadence-column671_053c14-20:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column671_053c14-20\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading671_072806-20, .wp-block-kadence-advancedheading.kt-adv-heading671_072806-20[data-kb-block=\"kb-adv-heading671_072806-20\"]{text-align:left;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_072806-20 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_072806-20[data-kb-block=\"kb-adv-heading671_072806-20\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_072806-20 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_072806-20[data-kb-block=\"kb-adv-heading671_072806-20\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading671_072806-20 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_072806-20\">First-time buyers:<\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_700571-0a, .wp-block-kadence-advancedheading.kt-adv-heading671_700571-0a[data-kb-block=\"kb-adv-heading671_700571-0a\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_700571-0a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_700571-0a[data-kb-block=\"kb-adv-heading671_700571-0a\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_700571-0a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_700571-0a[data-kb-block=\"kb-adv-heading671_700571-0a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_700571-0a wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_700571-0a\">The fixed, predictable monthly installment offers a high degree of security, especially for a first major purchase.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column671_732391-93 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column671_732391-93 > .kt-inside-inner-col{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);border-bottom:5px solid var(--global-palette6, #718096);}.kadence-column671_732391-93 > .kt-inside-inner-col,.kadence-column671_732391-93 > .kt-inside-inner-col:before{border-top-left-radius:3px;border-top-right-radius:3px;border-bottom-right-radius:3px;border-bottom-left-radius:3px;}.kadence-column671_732391-93:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}.kadence-column671_732391-93 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column671_732391-93 > .kt-inside-inner-col{flex-direction:column;}.kadence-column671_732391-93 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column671_732391-93 > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column671_732391-93 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column671_732391-93{position:relative;}@media all and (max-width: 1024px){.kadence-column671_732391-93 > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column671_732391-93:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}@media all and (max-width: 767px){.kadence-column671_732391-93 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}.kadence-column671_732391-93:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column671_732391-93\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading671_30d34a-5f, .wp-block-kadence-advancedheading.kt-adv-heading671_30d34a-5f[data-kb-block=\"kb-adv-heading671_30d34a-5f\"]{text-align:left;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_30d34a-5f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_30d34a-5f[data-kb-block=\"kb-adv-heading671_30d34a-5f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_30d34a-5f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_30d34a-5f[data-kb-block=\"kb-adv-heading671_30d34a-5f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading671_30d34a-5f wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_30d34a-5f\">People who want to avoid interest rate risk:<\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_4934f5-14, .wp-block-kadence-advancedheading.kt-adv-heading671_4934f5-14[data-kb-block=\"kb-adv-heading671_4934f5-14\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_4934f5-14 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_4934f5-14[data-kb-block=\"kb-adv-heading671_4934f5-14\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_4934f5-14 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_4934f5-14[data-kb-block=\"kb-adv-heading671_4934f5-14\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_4934f5-14 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_4934f5-14\">Anyone wanting protection against rising interest rates during the term benefits from the fixed-interest period.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_2a02d1-02, .wp-block-kadence-advancedheading.kt-adv-heading671_2a02d1-02[data-kb-block=\"kb-adv-heading671_2a02d1-02\"]{padding-top:var(--global-kb-spacing-sm, 1.5rem);text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_2a02d1-02 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_2a02d1-02[data-kb-block=\"kb-adv-heading671_2a02d1-02\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_2a02d1-02 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_2a02d1-02[data-kb-block=\"kb-adv-heading671_2a02d1-02\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading671_2a02d1-02 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_2a02d1-02\">Factors That Influence an Annuity Loan<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_1f2599-2f, .wp-block-kadence-advancedheading.kt-adv-heading671_1f2599-2f[data-kb-block=\"kb-adv-heading671_1f2599-2f\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_1f2599-2f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_1f2599-2f[data-kb-block=\"kb-adv-heading671_1f2599-2f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_1f2599-2f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_1f2599-2f[data-kb-block=\"kb-adv-heading671_1f2599-2f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_1f2599-2f wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_1f2599-2f\">The cost and course of an annuity loan are determined by several factors that affect both the monthly installment and the total interest cost.<\/p>\n\n\n<style>.kb-row-layout-id671_8d197b-0d > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id671_8d197b-0d > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id671_8d197b-0d > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-lg, 3rem);}.kb-row-layout-id671_8d197b-0d > .kt-row-column-wrap > *:nth-child(3n of *:not(style)){grid-column:1 \/ -1;}.kb-row-layout-id671_8d197b-0d > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id671_8d197b-0d > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id671_8d197b-0d > .kt-row-column-wrap > *:nth-child(3n of *:not(style)){grid-column:1 \/ -1;}}@media all and (max-width: 1024px){.kb-row-layout-id671_8d197b-0d > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id671_8d197b-0d > .kt-row-column-wrap{padding-top:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id671_8d197b-0d > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id671_8d197b-0d alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-3-columns kt-row-layout-last-row kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column671_5ea350-93 > .kt-inside-inner-col,.kadence-column671_5ea350-93 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column671_5ea350-93 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column671_5ea350-93 > .kt-inside-inner-col{flex-direction:column;}.kadence-column671_5ea350-93 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column671_5ea350-93 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column671_5ea350-93{position:relative;}@media all and (max-width: 1024px){.kadence-column671_5ea350-93 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column671_5ea350-93 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column671_5ea350-93\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading671_6355c4-30, .wp-block-kadence-advancedheading.kt-adv-heading671_6355c4-30[data-kb-block=\"kb-adv-heading671_6355c4-30\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_6355c4-30 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_6355c4-30[data-kb-block=\"kb-adv-heading671_6355c4-30\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_6355c4-30 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_6355c4-30[data-kb-block=\"kb-adv-heading671_6355c4-30\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading671_6355c4-30 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_6355c4-30\">Interest rate<\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_8bfbbd-d0, .wp-block-kadence-advancedheading.kt-adv-heading671_8bfbbd-d0[data-kb-block=\"kb-adv-heading671_8bfbbd-d0\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_8bfbbd-d0 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_8bfbbd-d0[data-kb-block=\"kb-adv-heading671_8bfbbd-d0\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_8bfbbd-d0 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_8bfbbd-d0[data-kb-block=\"kb-adv-heading671_8bfbbd-d0\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_8bfbbd-d0 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_8bfbbd-d0\">The interest rate is one of the most important factors influencing the total cost of an annuity loan. A lower interest rate noticeably reduces the overall burden.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_05e4d4-92, .wp-block-kadence-advancedheading.kt-adv-heading671_05e4d4-92[data-kb-block=\"kb-adv-heading671_05e4d4-92\"]{padding-top:var(--global-kb-spacing-sm, 1.5rem);text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_05e4d4-92 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_05e4d4-92[data-kb-block=\"kb-adv-heading671_05e4d4-92\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_05e4d4-92 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_05e4d4-92[data-kb-block=\"kb-adv-heading671_05e4d4-92\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading671_05e4d4-92 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_05e4d4-92\">Fixed-interest period<\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_c7899b-03, .wp-block-kadence-advancedheading.kt-adv-heading671_c7899b-03[data-kb-block=\"kb-adv-heading671_c7899b-03\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_c7899b-03 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_c7899b-03[data-kb-block=\"kb-adv-heading671_c7899b-03\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_c7899b-03 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_c7899b-03[data-kb-block=\"kb-adv-heading671_c7899b-03\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_c7899b-03 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_c7899b-03\">A longer fixed-interest period offers more planning security but often comes with a somewhat higher interest rate. A shorter fixed-interest period can be cheaper but carries a higher risk when it comes to follow-up financing.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column671_40521c-a6 > .kt-inside-inner-col,.kadence-column671_40521c-a6 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column671_40521c-a6 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column671_40521c-a6 > .kt-inside-inner-col{flex-direction:column;}.kadence-column671_40521c-a6 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column671_40521c-a6 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column671_40521c-a6{position:relative;}@media all and (max-width: 1024px){.kadence-column671_40521c-a6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column671_40521c-a6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column671_40521c-a6\"><div class=\"kt-inside-inner-col\"><style>.kb-image671_e13573-eb .kb-image-has-overlay:after{opacity:0.3;border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-image671_e13573-eb img.kb-img, .kb-image671_e13573-eb .kb-img img{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;filter:drop-shadow(1px 14px 14px rgba(0, 0, 0, 0.25));}<\/style>\n<div class=\"wp-block-kadence-image kb-image671_e13573-eb\"><figure class=\"aligncenter\"><img decoding=\"async\" width=\"1080\" height=\"608\" src=\"https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/annuity-loan-calculator-interest-rate-loan-term-payment.webp\" alt=\"Annuity loan calculator showing interest rate, loan term and monthly mortgage payment\" class=\"kb-img wp-image-1887\" title=\"\" srcset=\"https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/annuity-loan-calculator-interest-rate-loan-term-payment.webp 1080w, https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/annuity-loan-calculator-interest-rate-loan-term-payment-300x169.webp 300w, https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/annuity-loan-calculator-interest-rate-loan-term-payment-1024x576.webp 1024w, https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/annuity-loan-calculator-interest-rate-loan-term-payment-768x432.webp 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/><\/figure><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column671_c2c4a1-26 > .kt-inside-inner-col,.kadence-column671_c2c4a1-26 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column671_c2c4a1-26 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column671_c2c4a1-26 > .kt-inside-inner-col{flex-direction:column;}.kadence-column671_c2c4a1-26 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column671_c2c4a1-26 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column671_c2c4a1-26{position:relative;}@media all and (max-width: 1024px){.kadence-column671_c2c4a1-26 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column671_c2c4a1-26 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column671_c2c4a1-26\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading671_da1bc5-ef, .wp-block-kadence-advancedheading.kt-adv-heading671_da1bc5-ef[data-kb-block=\"kb-adv-heading671_da1bc5-ef\"]{padding-top:var(--global-kb-spacing-sm, 1.5rem);text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_da1bc5-ef mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_da1bc5-ef[data-kb-block=\"kb-adv-heading671_da1bc5-ef\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_da1bc5-ef img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_da1bc5-ef[data-kb-block=\"kb-adv-heading671_da1bc5-ef\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading671_da1bc5-ef wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_da1bc5-ef\">Initial repayment rate<\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_9c3aab-fd, .wp-block-kadence-advancedheading.kt-adv-heading671_9c3aab-fd[data-kb-block=\"kb-adv-heading671_9c3aab-fd\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_9c3aab-fd mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_9c3aab-fd[data-kb-block=\"kb-adv-heading671_9c3aab-fd\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_9c3aab-fd img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_9c3aab-fd[data-kb-block=\"kb-adv-heading671_9c3aab-fd\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_9c3aab-fd wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_9c3aab-fd\">A higher initial repayment rate leads to a higher monthly installment but lowers the total interest cost and significantly shortens the term.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_c305e8-ed, .wp-block-kadence-advancedheading.kt-adv-heading671_c305e8-ed[data-kb-block=\"kb-adv-heading671_c305e8-ed\"]{padding-top:var(--global-kb-spacing-lg, 3rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_c305e8-ed mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_c305e8-ed[data-kb-block=\"kb-adv-heading671_c305e8-ed\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_c305e8-ed img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_c305e8-ed[data-kb-block=\"kb-adv-heading671_c305e8-ed\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading671_c305e8-ed wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_c305e8-ed\">Example Calculation: Calculating an Annuity Loan<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_5db9a2-9a, .wp-block-kadence-advancedheading.kt-adv-heading671_5db9a2-9a[data-kb-block=\"kb-adv-heading671_5db9a2-9a\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_5db9a2-9a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_5db9a2-9a[data-kb-block=\"kb-adv-heading671_5db9a2-9a\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_5db9a2-9a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_5db9a2-9a[data-kb-block=\"kb-adv-heading671_5db9a2-9a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_5db9a2-9a wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_5db9a2-9a\">Suppose you take out a loan of \u20ac200,000 with a nominal interest rate of 3.5% p.a. and an initial repayment rate of 2%.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items671_5be99e-b3:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items671_5be99e-b3 ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items671_5be99e-b3 .kb-svg-icon-wrap{font-size:10px;color:var(--global-palette9, #ffffff);}.wp-block-kadence-iconlist.kt-svg-icon-list-items671_5be99e-b3 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items671_5be99e-b3 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items671_5be99e-b3 ul.kt-svg-icon-list .kt-svg-icon-list-single{background-color:var(--global-palette1, #3182CE);border-radius:10%;border-color:var(--global-palette1, #3182CE);border-width:1px;border-style:solid;padding:4px;}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items671_5be99e-b3 ul.kt-svg-icon-list{grid-row-gap:10px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items671_5be99e-b3 .kb-svg-icon-wrap{font-size:12px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items671_5be99e-b3 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-671_263410-1c .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-671_263410-1c\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_activity kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Monthly installment: approx. \u20ac916.67<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-671_697b18-6b .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-671_697b18-6b\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_activity kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Annual annuity: \u20ac11,000<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-671_cf2e7c-5b .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-671_cf2e7c-5b\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_activity kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Interest portion in year 1: approx. \u20ac6,930<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-671_0a97b7-53 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-671_0a97b7-53\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_activity kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Repayment portion in year 1: approx. \u20ac4,070<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-671_254ab9-a3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-671_254ab9-a3\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_activity kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Remaining debt after 1 year: approx. \u20ac195,930<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_295f7c-61, .wp-block-kadence-advancedheading.kt-adv-heading671_295f7c-61[data-kb-block=\"kb-adv-heading671_295f7c-61\"]{padding-top:var(--global-kb-spacing-xs, 1rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_295f7c-61 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_295f7c-61[data-kb-block=\"kb-adv-heading671_295f7c-61\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_295f7c-61 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_295f7c-61[data-kb-block=\"kb-adv-heading671_295f7c-61\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_295f7c-61 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_295f7c-61\">As the term progresses, the interest portion continuously decreases, while the repayment portion steadily grows as the installment stays the same. Our calculator shows you this exact progression in the full amortization schedule.<\/p>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id671_f6d169-74 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id671_f6d169-74 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id671_f6d169-74 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id671_f6d169-74 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id671_f6d169-74 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id671_f6d169-74 > .kt-row-column-wrap{padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id671_f6d169-74 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-row kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column671_5e4431-ab > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-lg, 3rem);padding-right:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-lg, 3rem);}.kadence-column671_5e4431-ab > .kt-inside-inner-col{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);border-bottom:5px solid var(--global-palette6, #718096);}.kadence-column671_5e4431-ab > .kt-inside-inner-col,.kadence-column671_5e4431-ab > .kt-inside-inner-col:before{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kadence-column671_5e4431-ab:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette1, #3182CE);}.kadence-column671_5e4431-ab:hover > .kt-inside-inner-col,.kadence-column671_5e4431-ab:hover > .kt-inside-inner-col:before{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}.kadence-column671_5e4431-ab > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column671_5e4431-ab > .kt-inside-inner-col{flex-direction:column;}.kadence-column671_5e4431-ab > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column671_5e4431-ab > .kt-inside-inner-col{background-color:var(--global-palette2, #2B6CB0);}.kadence-column671_5e4431-ab > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column671_5e4431-ab{position:relative;}@media all and (max-width: 1024px){.kadence-column671_5e4431-ab > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column671_5e4431-ab:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette1, #3182CE);}}@media all and (max-width: 767px){.kadence-column671_5e4431-ab > .kt-inside-inner-col{padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}.kadence-column671_5e4431-ab:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette1, #3182CE);}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column671_5e4431-ab\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading671_168bb2-8f, .wp-block-kadence-advancedheading.kt-adv-heading671_168bb2-8f[data-kb-block=\"kb-adv-heading671_168bb2-8f\"]{text-align:center;font-style:normal;text-shadow:1px 1px 1px var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading671_168bb2-8f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_168bb2-8f[data-kb-block=\"kb-adv-heading671_168bb2-8f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_168bb2-8f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_168bb2-8f[data-kb-block=\"kb-adv-heading671_168bb2-8f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading671_168bb2-8f, .wp-block-kadence-advancedheading.kt-adv-heading671_168bb2-8f[data-kb-block=\"kb-adv-heading671_168bb2-8f\"]{text-shadow:1px 1px 1px var(--global-palette1, #3182CE);}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading671_168bb2-8f, .wp-block-kadence-advancedheading.kt-adv-heading671_168bb2-8f[data-kb-block=\"kb-adv-heading671_168bb2-8f\"]{text-shadow:1px 1px 1px var(--global-palette1, #3182CE);}}<\/style>\n<h2 class=\"kt-adv-heading671_168bb2-8f wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading671_168bb2-8f\">Conclusion \u2013 Annuity Loan Calculator<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_d82068-91, .wp-block-kadence-advancedheading.kt-adv-heading671_d82068-91[data-kb-block=\"kb-adv-heading671_d82068-91\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_d82068-91 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_d82068-91[data-kb-block=\"kb-adv-heading671_d82068-91\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_d82068-91 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_d82068-91[data-kb-block=\"kb-adv-heading671_d82068-91\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_d82068-91 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading671_d82068-91\">The annuity loan is regarded in Germany as one of the most stable and popular financing models, whether for private individuals, families, or property buyers. It offers predictability and security but also comes with limitations on flexibility. Before signing a contract, borrowers should therefore carefully check whether the chosen fixed-interest period and repayment structure fit their individual financial situation.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading671_ba7e8c-71, .wp-block-kadence-advancedheading.kt-adv-heading671_ba7e8c-71[data-kb-block=\"kb-adv-heading671_ba7e8c-71\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_ba7e8c-71 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_ba7e8c-71[data-kb-block=\"kb-adv-heading671_ba7e8c-71\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_ba7e8c-71 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_ba7e8c-71[data-kb-block=\"kb-adv-heading671_ba7e8c-71\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_ba7e8c-71 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading671_ba7e8c-71\">Our Annuity Loan Calculator supports you in this by factoring in the term, interest rate, repayment rate, and special repayments, giving you a solid basis for your decision.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column671_21e744-9b > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-xl, 4rem);}.kadence-column671_21e744-9b > .kt-inside-inner-col,.kadence-column671_21e744-9b > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column671_21e744-9b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column671_21e744-9b > .kt-inside-inner-col{flex-direction:column;}.kadence-column671_21e744-9b > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column671_21e744-9b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column671_21e744-9b{position:relative;}@media all and (max-width: 1024px){.kadence-column671_21e744-9b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column671_21e744-9b > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column671_21e744-9b\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading671_467b75-76, .wp-block-kadence-advancedheading.kt-adv-heading671_467b75-76[data-kb-block=\"kb-adv-heading671_467b75-76\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_467b75-76 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_467b75-76[data-kb-block=\"kb-adv-heading671_467b75-76\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_467b75-76 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_467b75-76[data-kb-block=\"kb-adv-heading671_467b75-76\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading671_467b75-76 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_467b75-76\">FAQs \u2013 Annuity Loan Calculator<\/h2>\n\n\n<style>.kt-accordion-id671_99962c-c9 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:2px;}.kt-accordion-id671_99962c-c9 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;background:var(--global-palette7, #EDF2F7);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id671_99962c-c9 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:0px solid #f2f2f2;border-left:0px solid #f2f2f2;border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;background:var(--global-palette1, #3182CE);color:var(--global-palette9, #ffffff);padding-top:10px;padding-right:14px;padding-bottom:10px;padding-left:14px;}.kt-accordion-id671_99962c-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id671_99962c-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette9, #ffffff);}.kt-accordion-id671_99962c-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:var(--global-palette9, #ffffff);}.kt-accordion-id671_99962c-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id671_99962c-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette1, #3182CE);}.kt-accordion-id671_99962c-c9 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id671_99962c-c9 .kt-blocks-accordion-header:focus-visible{color:var(--global-palette9, #ffffff);background:var(--global-palette6, #718096);border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}.kt-accordion-id671_99962c-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id671_99962c-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id671_99962c-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id671_99962c-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette9, #ffffff);}.kt-accordion-id671_99962c-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id671_99962c-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:var(--global-palette9, #ffffff);}.kt-accordion-id671_99962c-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id671_99962c-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id671_99962c-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id671_99962c-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette6, #718096);}.kt-accordion-id671_99962c-c9 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id671_99962c-c9 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:var(--global-palette9, #ffffff);background:var(--global-palette2, #2B6CB0);border-top-color:#444444;border-top-style:solid;border-right-color:#444444;border-right-style:solid;border-bottom-color:#444444;border-bottom-style:solid;border-left-color:#444444;border-left-style:solid;}.kt-accordion-id671_99962c-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id671_99962c-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette9, #ffffff);}.kt-accordion-id671_99962c-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:var(--global-palette9, #ffffff);}.kt-accordion-id671_99962c-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id671_99962c-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette2, #2B6CB0);}@media all and (max-width: 1024px){.kt-accordion-id671_99962c-c9 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}@media all and (max-width: 1024px){.kt-accordion-id671_99962c-c9 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:0px solid #f2f2f2;border-left:0px solid #f2f2f2;}}@media all and (max-width: 1024px){.kt-accordion-id671_99962c-c9 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id671_99962c-c9 .kt-blocks-accordion-header:focus-visible{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}}@media all and (max-width: 1024px){.kt-accordion-id671_99962c-c9 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id671_99962c-c9 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#444444;border-top-style:solid;border-right-color:#444444;border-right-style:solid;border-bottom-color:#444444;border-bottom-style:solid;border-left-color:#444444;border-left-style:solid;}}@media all and (max-width: 767px){.kt-accordion-id671_99962c-c9 .kt-accordion-inner-wrap{display:block;}.kt-accordion-id671_99962c-c9 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:2px;}.kt-accordion-id671_99962c-c9 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}.kt-accordion-id671_99962c-c9 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:0px solid #f2f2f2;border-left:0px solid #f2f2f2;font-size:var(--global-kb-font-size-sm, 0.9rem);}.kt-accordion-id671_99962c-c9 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id671_99962c-c9 .kt-blocks-accordion-header:focus-visible{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}.kt-accordion-id671_99962c-c9 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id671_99962c-c9 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#444444;border-top-style:solid;border-right-color:#444444;border-right-style:solid;border-bottom-color:#444444;border-bottom-style:solid;border-left-color:#444444;border-left-style:solid;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id671_99962c-c9 kt-accordion-has-6-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"0\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane671_324b4f-c1\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>How do you calculate the annuity of a loan?<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading671_67c059-ce, .wp-block-kadence-advancedheading.kt-adv-heading671_67c059-ce[data-kb-block=\"kb-adv-heading671_67c059-ce\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_67c059-ce mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_67c059-ce[data-kb-block=\"kb-adv-heading671_67c059-ce\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_67c059-ce img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_67c059-ce[data-kb-block=\"kb-adv-heading671_67c059-ce\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_67c059-ce wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_67c059-ce\">The annuity consists of an interest portion and a repayment portion. The repayment amount in the first year is found by subtracting the interest due in that year from the <a href=\"https:\/\/de.wikipedia.org\/wiki\/Annuit%C3%A4tendarlehen\" target=\"_blank\" rel=\"noopener\">annual annuity amount<\/a>. With our Annuity Loan Calculator, you get this figure along with the full amortization schedule instantly.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-3 kt-pane671_e023cd-5a\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>What is the biggest disadvantage of an annuity loan?<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading671_8519c5-00, .wp-block-kadence-advancedheading.kt-adv-heading671_8519c5-00[data-kb-block=\"kb-adv-heading671_8519c5-00\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_8519c5-00 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_8519c5-00[data-kb-block=\"kb-adv-heading671_8519c5-00\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_8519c5-00 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_8519c5-00[data-kb-block=\"kb-adv-heading671_8519c5-00\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_8519c5-00 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_8519c5-00\">The biggest disadvantage is limited flexibility: without an agreed special repayment option, it&#8217;s difficult to speed up repayment, and early repayment can trigger an early repayment penalty.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-4 kt-pane671_67d006-84\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>What are the main advantages of an annuity loan?<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading671_c1e404-b5, .wp-block-kadence-advancedheading.kt-adv-heading671_c1e404-b5[data-kb-block=\"kb-adv-heading671_c1e404-b5\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_c1e404-b5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_c1e404-b5[data-kb-block=\"kb-adv-heading671_c1e404-b5\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_c1e404-b5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_c1e404-b5[data-kb-block=\"kb-adv-heading671_c1e404-b5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_c1e404-b5 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_c1e404-b5\">The biggest advantage is planning security: the monthly installment stays constant throughout the entire fixed-interest period, making it easy to fit the financing into your household budget.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-5 kt-pane671_4fbb7a-60\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>What happens once the fixed-interest period ends?<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading671_c51875-18, .wp-block-kadence-advancedheading.kt-adv-heading671_c51875-18[data-kb-block=\"kb-adv-heading671_c51875-18\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_c51875-18 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_c51875-18[data-kb-block=\"kb-adv-heading671_c51875-18\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_c51875-18 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_c51875-18[data-kb-block=\"kb-adv-heading671_c51875-18\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_c51875-18 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_c51875-18\">If the loan hasn&#8217;t been fully repaid by the end of the fixed-interest period, you&#8217;ll need follow-up financing for the remaining debt. This can be extended with your existing bank or arranged with a different bank under new terms.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-6 kt-pane671_347a45-c9\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Who is an annuity loan suitable for?<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading671_3ae0bf-50, .wp-block-kadence-advancedheading.kt-adv-heading671_3ae0bf-50[data-kb-block=\"kb-adv-heading671_3ae0bf-50\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading671_3ae0bf-50 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading671_3ae0bf-50[data-kb-block=\"kb-adv-heading671_3ae0bf-50\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading671_3ae0bf-50 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading671_3ae0bf-50[data-kb-block=\"kb-adv-heading671_3ae0bf-50\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading671_3ae0bf-50 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading671_3ae0bf-50\">An annuity loan is particularly suitable for people with a stable income who prefer fixed, predictable monthly installments, for example for property financing or larger purchases.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Annuity Loan Calculator &#8211; Calculate Installment, Repayment, and Interest When taking out a loan for&#8230;<\/p>\n","protected":false},"author":3,"featured_media":623,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[18],"tags":[],"class_list":["post-671","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-construction"],"taxonomy_info":{"category":[{"value":18,"label":"Real Estate &amp; Construction"}]},"featured_image_src_large":["https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2025\/09\/annuity-loan-calculator-germany-1024x576.webp",1024,576,true],"author_info":{"display_name":"Pro-finanz-Ra-ch-ner","author_link":"https:\/\/profinanzrechner.de\/en\/author\/pro-finanz-ra-ch-ner\/"},"comment_info":0,"category_info":[{"term_id":18,"name":"Real Estate &amp; Construction","slug":"real-estate-construction","term_group":0,"term_taxonomy_id":18,"taxonomy":"category","description":"","parent":0,"count":4,"filter":"raw","cat_ID":18,"category_count":4,"category_description":"","cat_name":"Real Estate &amp; Construction","category_nicename":"real-estate-construction","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/profinanzrechner.de\/en\/wp-json\/wp\/v2\/posts\/671","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/profinanzrechner.de\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/profinanzrechner.de\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/profinanzrechner.de\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/profinanzrechner.de\/en\/wp-json\/wp\/v2\/comments?post=671"}],"version-history":[{"count":14,"href":"https:\/\/profinanzrechner.de\/en\/wp-json\/wp\/v2\/posts\/671\/revisions"}],"predecessor-version":[{"id":1894,"href":"https:\/\/profinanzrechner.de\/en\/wp-json\/wp\/v2\/posts\/671\/revisions\/1894"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/profinanzrechner.de\/en\/wp-json\/wp\/v2\/media\/623"}],"wp:attachment":[{"href":"https:\/\/profinanzrechner.de\/en\/wp-json\/wp\/v2\/media?parent=671"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/profinanzrechner.de\/en\/wp-json\/wp\/v2\/categories?post=671"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/profinanzrechner.de\/en\/wp-json\/wp\/v2\/tags?post=671"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}