Sondertilgung

In English: Special (extra) repayment

Money you pay on top of the regular monthly payment to reduce the debt faster. It only works if your contract allows it – typically up to 5% of the loan per year for free. Every euro repaid early saves the interest on it for the rest of the term.

Where it comes up

All terms in the glossary
These are estimates to help you plan – not financial, tax or legal advice. They use German tax rules for 2026, assume steady returns and interest rates, and simplify where the page says so. Check the figures with your bank or a tax adviser before you decide.