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RATIOXA MONEY · Decision tool

Check refinancing

Compare remaining current cost with a new rate, term and fees.

6 inputsDetailed comparisonSaved locally on this device.

Your assumptions

Does refinancing really save money after fees?

● Saved locally on this device.
Example scenario
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DECISION PACK

Check refinancing

Created: 18/08/2026 · refinance@5.0

Important: Not personal investment or credit advice. Returns are uncertain.

Result · Why?

New loan leads by €19,684

A lower payment helps only if fees and term do not consume the saving.

Difference€19,684
New monthly payment€1,313
Current monthly payment€1,433

New loan

New interest€56,425
Fees€1,800

Current loan

Current interest€77,908

Break-even

Fee payback

Time for the monthly payment saving to cover fees.

15.08 months

Result robustness

Robust within tested range

The leading option remains ahead across the automatic ±10% input tests.

  1. Current rateApprox. change in result: €8,722
  2. Remaining termApprox. change in result: €8,686
  3. New rateApprox. change in result: €6,167

RATIOXA STORY

Your Decision Story

  1. 1

    New loan: €238,225

  2. 2

    Current loan: €257,908

  3. 3

    New loan leads in the base case.

Calculation Health

Quick estimate

Add more of your own values to strengthen the scenario.

  • + Remaining balance
  • + Current rate
  • + Remaining term

RATIOXA IMPACT MAP

What matters most?

Current rate€8,722
Remaining term€8,686
New rate€6,167
New term€6,140
Remaining balance€2,148
Fees + early repayment cost€180
Higher impact →
×

Key insight

Your decision is most vulnerable to changes in Current rate.

A lower payment helps only if fees and term do not consume the saving.

SCENARIO RANGE · DETERMINISTIC

Stress-test this decision

Stable
Base caseNew loan€19,684
Current rate · +New loan€28,405 · Winner holds
Remaining term · +New loan€28,369 · Winner holds
New rate · +New loan€13,516 · Winner holds
New term · +New loan€13,544 · Winner holds

RATIOXA ×

Fee payback

Time for the monthly payment saving to cover fees.

Crossover15.08

Compare everything

New loanCurrent loan
Result value€238,225€257,908
Difference€19,684—
New interest€56,425€77,908
Fees€1,800—

PRACTICAL NEXT STEP

Before you decide

● Saved locally on this device.

SCENARIO RANGE

Conservative · Base · Optimistic

Locked assumptions
CONSERVATIVENew loan€17,535
BASENew loan€19,684
OPTIMISTICNew loan€21,832

TRUST CHECK

Fair Comparison Check

✓
The comparison is structurally fair
  • ✓Same comparison horizon
  • ✓Comparable cash flows
  • ✓Residual values and balances included
  • ✓Inputs are internally consistent
Not included in the model
  • Contract terms, eligibility and taxes outside the entered values
  • Personal risk tolerance and liquidity needs
  • Professional legal, tax, finance or energy advice

Assumption freshness

Decision readiness

○
6 core inputs still use example values

0/6 inputs replaced with your own or transferred values · 3 real-world details still worth checking

  • ○ Confirm early-repayment charges
  • ○ Compare the new total term
  • ○ Include every switching fee

TRANSPARENT MATH

Formula inspector

Calculation steps

  1. Both loans are calculated as complete annuity plans.
  2. A lower payment can result from a longer term, so total cost is compared.

Substitution with your values

Sum of displayed components A = 56424.59 + 1800.00 = 58224.59Sum of displayed components B = 77908.09 = 77908.09Total: 238224.59 / 257908.09

SOURCE SNAPSHOT

Official reference context

Context only. RATIOXA never substitutes a policy rate or survey result for your personal offer.

European Central Bank · Euro areaECB deposit facility: 2.25 %Effective 2026-06-17 · Verified 2026-08-17

Caution: Macroeconomic context — not your personal loan or mortgage rate.

Primary source ↗
European Central Bank · Euro areaECB main refinancing rate: 2.4 %Effective 2026-06-17 · Verified 2026-08-17

Caution: Do not copy this into a calculator as a personal APR.

Primary source ↗
Deutsche Bundesbank · GermanyNet share tightening housing-loan standards: 7 % netEffective 2026-04-01 · Verified 2026-08-17

Caution: Survey context — not a statement about your personal credit offer.

Primary source ↗

CURRENT CONTEXT

Relevant developments

A sourced update may affect one of your assumptions. RATIOXA never changes a value silently.

MONEY

ECB keeps key interest rates unchanged after June increase

Key rates shape financing conditions but are not your personal loan rate.

May affect: Mortgage APR · Loan APR
HOME

German banks tightened credit standards in Q2 2026

Calculated affordability is not the same as an available credit offer or approval.

May affect: Available APR · Maximum loan

Important: Not personal investment or credit advice. Returns are uncertain.

WHAT-IF

Snapshot current scenario

IMPORTANT DOCUMENTS

Prepare the decision

● Saved locally

QUESTIONS TO ASK

Ask before you sign

  1. What is the effective APR?
  2. Can I make additional repayments?
  3. Which early repayment fees apply?

EXTERNAL OFFERS · SEPARATE FROM THE CALCULATION

Explore real offers

The independent RATIOXA result above never changes based on these links.

check24.deCHECK24 Kredit

Compare external loan terms.

Open portal ↗verivox.deVerivox Kredit

Review loan offers and effective cost.

Open portal ↗

External websites are independent from RATIOXA. No commercial partnership is implied.

Next useful step

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