nedbetalingstempoet

Nedbetalingstempoet is the pace at which the principal on a loan is repaid. It describes how quickly a borrower reduces the outstanding loan balance over time. In practice it is often expressed as a fixed share of the loan repaid per year (for example a tempo of 2 percent per year) or as part of the chosen amortization schedule, such as linear amortization or an annuity schedule. Linear repayment implies that the principal portion is constant each year, leading to a decreasing interest component and gradually falling total payments; annuity loans keep total payments roughly constant while the share going to principal increases over time.

The choice of nedbetalingstempo affects both the total cost of the loan and the duration. A higher tempo reduces total interest and shortens the payoff period, but requires higher payments in early years. A lower tempo lowers short-term payments but increases total interest and lengthens the loan. Lenders may specify minimum or maximum nedbetalingstempo as part of underwriting or regulatory requirements, and borrowers may be allowed to adjust tempo within certain limits, sometimes with fees for early repayment.

In financial planning, nedbetalingstempo is used together with interest rate, loan amount, and term to estimate monthly or yearly payments and the evolution of the debt. Understanding tempo helps assess affordability, risk, and long-term obligations.

Etymology: nedbetalingstempoet combines nedbetaling (repayment) and tempo (pace).