![[OC] Bei einer 30-jährigen Festhypothek übersteigen die Gesamtzinsen den geliehenen Betrag, sobald der Zinssatz 5,30 % überschreitet – unabhängig von der Kredithöhe.](https://www.bytesde.com/wp-content/uploads/2026/08/g6abe3rzrlkh1-819x1024.png "[OC] Bei einer 30-jährigen Festhypothek übersteigen die Gesamtzinsen den geliehenen Betrag, sobald der Zinssatz 5,30 % überschreitet – unabhängig von der Kredithöhe.")
Datenquelle: Freddie Mac Primary Mortgage Market Survey, Woche vom 20. August 2026 – https://www.freddiemac.com/pmms
Werkzeug: R (GGPLOT2)
Es wird nur der Wert von 6,65 % angegeben. Jeder andere Zinssatz ist eine hypothetische Stufe, und alle Zahlungs- und Zinszahlen sind Standardtilgungen auf 360 monatliche Zahlungen, nur Kapital und Zinsen – keine Grundsteuer, Hausratversicherung oder PMI.
Der Schwellenwert von 5,30 % ist unabhängig von der Kredithöhe. Der zurückgezahlte Gesamtbetrag beträgt P·r(1+r)^n/((1+r)^n−1)·n, daher enthält das Verhältnis des zurückgezahlten Gesamtbetrags zum Kapital überhaupt kein P. Bei 5,3040 % bei einer Laufzeit von 30 Jahren zahlt sich jeder Kredit genau doppelt so schnell zurück. Bei einer Laufzeit von 15 Jahren liegt die entsprechende Schwelle bei 10,59 %.
Von forensiceconomics
17 Kommentare
Yeah that’s kinda how math works
Yes, literally anybody that has ever bought a house has seen this. It’s one of the items that the bank is legally required to disclose.
No shit, it’s also why people bought houses at 14+% in the 90s Because the monthly payment is shorter
You can cut down the total interest paid by a lot just by committing a little extra early In the amortization schedule. Even an extra hundred dollars a month can save years of interest. Just doing ~~two payments a month (1st and 15th)~~ a payment every 2 weeks will always cut about 7 years of the schedule. And it doesn’t change your monthly spend even though you spend more per year.
Why would the size of the loan matter? Interest is a percentage which by definition scales with loan size.
„Regardless of loan size“, yeah duh. Why would loan size ever matter here? The only factors that would change this would be interest rate and period.
What’s with all the shitty AI-generated ‚Data Visualizations?‘. So annoying.
And current rates are still below both the median and average 30 year rate.
Interest is the cost of the loan, not the principal. The principal amount is the value of the loan. At any point you can decide to pay off that loan and you do not owe future interest payments. There’s also no rule against treating your 30 year loan like a 15 year loan
but you also have to take into consideration that the interest rate in general is close to the rate of inflation. Usually a couple of points higher. In the 70’s, the rates were over 10%, but the inflation rate was also hitting 10%. It averaged over 7% for the whole decade.
So the money you are paying on the note 15 years from now is much, much less valuable than that same amount now.
The key information is the spread between the actual inflation rate and that interest rate you are paying. That is the real price of the mortgage. What’s keeping mortgage loan rates up right now is that we are still seeing relatively (at least in recent times) high rates of inflation.
The strange thing about all of this is the fact that in the US almost all loans are fixed rate loans. That forces the bank to basically make a 30 year bet on inflation rates. I got a great rate in 2016 on my house, and the bank is just shit out of luck as i pay my 2.8%. They lose money on my loan every month. But also I can’t afford to move, which causes its own problems to the market. Its most of the reason why 15 year notes are cheaper by around 1% typically. Its a shorter bet for the banks to make.
If the opposite happened, I could just refinance. So the risk is almost entirely on the bank.
Luckily they manage to make up for it with other predatory practices like PMI. Total bullshit there. Banks will always find a way to get theirs.
Man am I happy I locked in a 3% interest rate on our first house and got a big enough house for our family to grow into…. I think that one act of pure luck is a major contributor to my future financial success
Inflation will be your friend on a 30 year mortgage. $1,000 now will likely be worth much less in 30 years. $470 in 1996 is $1,000 today. Of course the next 30 years will be different but unlikely there isn’t inflation.
Isn’t that why the old rule of thumb is that a 30-year mortgage generally forces you to „buy the house twice“ (assuming you keep it for the entire term)
With interest rates over 6%, its a huge impact to make extra payments, and everyone should if they can. If you pay just an additional 1% of your original mortgage amount each year, you will shave 8 years off your mortgage and save over 17% on interest costs over the loan. For a $300,000 loan, you’d save $116,000 by doing this.
In the U.S. this Information is not new or unexpected. Every mortgage applicant is given a TIL (truth in lending) sheet. Not only does it tell you the total interest you should expext to pay, This breaks down your payments to a very granular level. As In every month is shown what you will pay in principal and interest (and PMI if applicable). This sheet is required by law.
Why was this a post?
Right, but inflation eats a good bit of it (making the loan better than keeping the money under the mattress), appreciation of the real estate pays via increased resale value for some of that interest, and most importantly, a diversified investment portfolio makes more money than 5.3% interest. Not that most people can choose to buy a house in cash.
that is honestly a deal
only 2x in 30 years?
How could something that costs 5.3% end up to 100% of the loan amount? Fucking nuts.