aflossingsdatums

Aflossingsdatum is the date on which the principal portion of a loan repayment is due, as part of an amortization schedule. In loan agreements, the borrower makes periodic payments according to a predetermined timetable. Each aflossingsdatum marks a payment that reduces the outstanding loan balance by the amount of principal repaid on that date. The payments typically consist of interest on the remaining balance and a principal component; over time, the balance declines until the loan is repaid in full.

For amortizing loans, such as many mortgages, the payment amount may be fixed (annuities) or the principal portion may be constant (linear amortization). The aflossingsdatum remains the moment the payment is due, even if the exact composition of the payment varies with interest rate changes or chosen repayment structure. The schedule helps borrowers plan cash flow and lenders manage risk and repayment timing.

In practice, aflossingsdatums are monthly for many consumer loans, but can be quarterly or at other frequencies. If a payment is late, penalties may apply and the schedule can be affected by grace periods or late fees; some arrangements allow extra aflossingen outside the standard dates. The concept is common across Dutch financial products and is used to specify when principal repayments are due under the contract.