Törlesztésnél

Törlesztésnél is a Hungarian locative form derived from törlesztés, meaning the repayment of a loan. It is used in contracts, forms and explanations to indicate requirements, actions or consequences that apply at the moment a borrower repays part or all of the borrowed money.

In general, a törlesztés consists of repayment of the principal (tőke) and the interest (kamat) accrued on the loan. A repayment schedule sets the amounts and dates of installments, which may be fixed or vary according to the loan agreement or interest rate changes. Some arrangements also include additional charges such as fees or insurance.

At törlesztésnél, the borrower is expected to transfer the due funds to the lender by the specified date using an accepted payment method, such as bank transfer or direct debit. The way the payment is applied often follows the contract terms, typically allocating the payment first to accrued interest and then to the principal, though some agreements may differ. For loans with daily interest accrual, the exact timing of a payment can affect the amount of interest paid.

Timely törlesztés helps maintain the borrower’s credit standing and avoids penalties. Late payments can incur fees, higher interest, or default consequences, including possible collection actions. Some contracts allow előtörlesztés (early repayment) with potential discounts on interest or, conversely, with fees, depending on the terms.

Törlesztésnél is a common concept in credit agreements for consumer loans, mortgages and lease financing. It denotes the moment when obligations linked to the repayment of the loan are fulfilled and accounted for in the lender’s records.