You pay a fixed amount in interest and repayment every month by means of a direct debit. Even though the interest is variable, you pay a fixed amount of interest and principal each month. If the interest rate decreases, you will pay less interest and more repayment that month. This way you can repay the credit faster. Is interest rising? Then you pay more interest and less repayment. Repaying the credit then takes a little longer. Extra or faster repayments in the meantime are always possible and completely free of charge.
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