{"id":5245,"date":"2023-04-04T11:29:06","date_gmt":"2023-04-04T09:29:06","guid":{"rendered":"https:\/\/kredit-baufinanzierung-radke.de\/umschuldung-kredit-finanzierung\/"},"modified":"2026-01-05T09:26:03","modified_gmt":"2026-01-05T08:26:03","slug":"umschuldung-kredit-finanzierung","status":"publish","type":"page","link":"https:\/\/cf-finanz.de\/en\/umschuldung-kredit-finanzierung\/","title":{"rendered":"Umschuldung-Kredit-Finanzierung"},"content":{"rendered":"
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Money problems?<\/h1><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t
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Debt rescheduling (loan)<\/h1><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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More favourable interest rate<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Debt rescheduling (also known as refinancing) refers to the process of replacing an existing loan with a new one. This can be desirable for various reasons, for example to obtain a more favourable interest rate, to extend or shorten the term of the loan, or to combine several existing loans into one.<\/p>

An example of debt rescheduling (follow-up financing) would be if Mr M\u00fcller has taken out a loan to buy a house and now realises that he can get a more favourable interest rate from another bank. Mr M\u00fcller could then carry out a debt rescheduling by cancelling the old loan with his original bank and taking out a new loan with the other bank instead in order to finance the purchase price of the house.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Is debt rescheduling worthwhile for you?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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An important point with debt rescheduling is that there are usually costs and fees for cancelling the old loan and taking out the new one. For this reason, it is important that you are well informed in advance and calculate whether the debt rescheduling is actually worthwhile. In some cases, it may make more sense to keep the existing loan instead of replacing it with a new one.<\/p>

Another way in which debt rescheduling can be useful is if the borrower's financial circumstances have changed. For example, if Mr M\u00fcller has received a salary increase after taking out his loan or if he has been able to reduce his debts so that he is now able to repay a higher monthly amount. In such cases, debt rescheduling can help to reduce the overall cost of the loan and lessen the financial burden.<\/p>

Another important issue in connection with debt rescheduling is the risk of interest rate changes. In times of rising interest rates, it may make sense to reschedule in order to agree a fixed interest rate for the new loan instead of continuing to pay a variable interest rate that could increase. On the other hand, in times of falling interest rates, it may be advisable to keep the existing loan in order to benefit from lower interest rates.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Conclusion and examples <\/h2>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\n\nOverall, it can be said that the decision for or against debt rescheduling must always be made on an individual basis and depends on various factors. It is important to inform yourself thoroughly in advance and, if necessary, seek professional advice in order to make the best decision for your own financial situation.\n\nDebt rescheduling can be important in various areas of the financial world. For example, companies can refinance their existing debts through debt restructuring in order to obtain better conditions or to increase their liquidity. Private individuals can also benefit from debt rescheduling, for example by rescheduling their credit card debt or mortgage.\n\nWhen deciding to refinance, it is important to compare carefully and choose the loan from a bank or lender that offers the best conditions. This may mean getting several quotes and comparing them carefully before making a decision. It is also advisable to be aware of possible fees and costs that may be incurred in connection with debt restructuring.\n\nIf you decide to reschedule, it is important that you plan the repayment of the new loan carefully and ensure that you can actually repay the monthly loan amount. Failure to do so can lead to further financial difficulties. It is therefore advisable to inform yourself well in advance and, if necessary, seek professional advice to ensure that you make the right decision.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Our Solutions<\/span><\/span> for your Problems. <\/span><\/span><\/h2>

\n\t\t\t\t\t\tArrange a free consultation\n\t\t\t\t\t<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tArrange now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Check your finances & documents from the comfort of your sofa?<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Conveniently check the options in advance.<\/p>\n

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You can find the documents you need on our website.<\/p>\n

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With just a few clicks, you know what your property is worth.<\/p>\n

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Geldprobleme? Umschuldung (Kredit) G\u00fcnstigerer Zinssatz Eine Umschuldung (auch Anschlussfinanzierung genannt) bezieht sich auf den Prozess, bei dem ein bestehender Kredit durch einen neuen ersetzt wird. Dies kann aus verschiedenen Gr\u00fcnden erw\u00fcnscht sein, zum Beispiel, um einen g\u00fcnstigeren Zinssatz zu erhalten, die Laufzeit des Kredits zu verl\u00e4ngern oder zu verk\u00fcrzen, oder mehrere bestehende Kredite zu einem […]<\/p>\n","protected":false},"author":2,"featured_media":5526,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-5245","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"\nUmschuldung Kredit - CF Finanz<\/title>\n<meta name=\"description\" content=\"Eine Umschuldung ( Anschlussfinanzierung) bezieht sich auf den Prozess, bei dem ein bestehender Kredit durch einen neuen ersetzt wird.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cf-finanz.de\/en\/umschuldung-kredit-finanzierung\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Umschuldung Kredit - 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