Wie du schneller abzahlen und davon profitieren kannst…
Leist du dir Geld, kostet dich das Zinsen. Ganz unabhängig davon, welche Art Kredit du in Anspruch nimmst. Deshalb lohnt es, offene Kreditverpflichtung möglichst schnell wieder zu tilgen. Doch wie ist das finanziell möglich?
Verschaffe dir den Überblick
Ein Überblick über deine Finanzen verschafft dir Klarheit darüber, welcher Betrag dir nach Abzug aller Kosten frei zur Verfügung steht. Das zu wissen ist wichtig. Nicht umsonst erstellen Kreditinstitute in aller Regel eine Einnahmen- und Ausgabenrechnung, wenn du dort einen Kredit aufnehmen möchtest.
Gleiches gilt, wenn du bestehende Kreditverpflichtungen schneller zurückzahlen willst. Ist dir dein freies Budget genau bekannt, kannst du besser einschätzen, wie viel Geld du noch zur Tilgung deiner Kredite aufwenden kannst – ohne gleich in finanzielle Nöte zu geraten.
Ein finanzieller Überblick hat aber noch einen ganz anderen Nebeneffekt. Denn er bringt für dich eine ideale Gelegenheit mit sich, unnötige oder zu hohe Ausgaben des Alltags auf den Prüfstand zu stellen. Gegebenenfalls lassen sich deine Ausgaben optimieren. Eingespartes Geld kannst du wiederum für die Tilgung deiner Kreditverpflichtungen einsetzen.
Deine Checkliste:
- Überblick über deine Finanzen verschaffen
- freien finanziellen Spielraum ermitteln
- alle Ausgaben kritisch prüfen
- ggf. Ausgabeverhalten verändern
Über Ratenerhöhung und Sonderzahlungen
Deine Schulden solltest du generell so niedrig wie möglich halten. Denn diese schränken deinen zukünftigen finanziellen Spielraum ein. Von der Möglichkeit einer schnelleren Tilgung solltest du deshalb Gebrauch machen, sofern das finanziell möglich ist.
„Turmhohe Schuldenberge bereiten einen besonders schlechten Ausblick.“ (Martin Gerhard Reisenberg; *1949; Diplom-Bibliothekar und Autor)
Dabei existieren unterschiedliche Wege, die zur schnelleren Kreditrückzahlung führen. Einerseits kannst du die monatliche Kreditrate erhöhen. Dadurch steigt zwar deine regelmäßige finanzielle Belastung. Jedoch führt der höhere Tilgungsanteil innerhalb deiner Kreditrate dazu, dass du schneller mit der Abzahlung fertig bist. Wie viel Zeit du einsparst, hängt dabei vom Umfang deiner Ratenerhöhung und der regulären Restlaufzeit deines Kredites ab.
Die Alternative zur Ratenerhöhung sind Sondertilgungen. Dabei handelt es sich um einmalige zusätzliche Zahlungen, die du nach Belieben durchführen kannst. Sonderzahlungen haben keine Auswirkungen auf die reguläre Kreditrate. Dennoch wirken sie laufzeitverkürzend. Je mehr Geld du für Sonderzahlungen aufwendest, desto eher bist du mit der Kreditrückzahlung fertig.
Sonderform Immobilienfinanzierung
Hinsichtlich Ratenhöhe und Sonderzahlungen sind so gut wie alle Arten klassischer Ratenkredite recht flexibel. Einzig Immobilienfinanzierungen gelten als Ausnahme. Die Erhöhungen der Kreditrate ermöglichen Anbieter dieser Kreditart dir häufig nicht. Allerdings sind Sonderzahlungen im Regelfall aufs Kalenderjahr bezogen bis zu einer gewissen prozentualen Betragsgrenze zulässig. Wo diese genau liegt, hängt von deiner Kreditvereinbarung ab.
Dass ich einen Ratenkredit immer zurückzahlen kann, wusste ich gar nicht. Danke für die Info.
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