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Repayment suspension
Instead of the usual monthly repayments, borrowers can also agree a suspension of repayments. In this case, they only pay the interest due (fixed loan). As a substitute for repayment, both parties agree on a so-called repayment surrogate. This is saved separately and used at the end of the term to repay the loan. Examples of such surrogates are: Assignment of claims from endowment insurance policies, pension insurance policies, home savings contracts or investment funds.