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Sondertilgung: A popular but overrated option

Who doesn't like the idea of repaying extra on their mortgage? That is what “Sondertilgung” is. But is it a good idea?

Published on May 25, 2021

Sondertilgung: A popular but overrated option

Published on May 25, 2021

Who doesn't like the idea of repaying extra on their mortgage to avoid penalties? That is what “Sondertilgung” is, and virtually every mortgage borrower wants it. It is a great sales argument for advisors: If you were to use your extra payments/savings/bonuses, you could be done with your mortgage by year "X".

Why is Sondertilgung by and large a dead option?
Is Sondertilgung at the present juncture hence an entirely bad idea?

Dr. Christian Mulder

Dr. Christian is a former Senior Economist and Manager at the IMF and World Bank. He is a Hypofriend Co-founder.

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Sondertilgung A Popular But Overrated Option

Sondertilgung: A popular but overrated option

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