Non-Indexed Loans

LSR offers non-indexed loans with interest rates that are reviewed every 36 months, but remain fixed in between.

Various economic factors are taken into account when deciding on variable non-indexed interest rates for LSR, and interest rates can both decrease and increase during the borrowing period.

Advantages of Non-Indexed Loans

The main advantage of non-indexed loans is that inflation does not affect either the principal or installments, and thus the principal amount of the loan decreases with each installment. Asset formation will therefore usually be faster in the first years of borrowing than the asset formation of indexed loans. On the other hand, interest rates on non-indexed loans are higher and installments are higher at the beginning.

Loan Calculator

8,3%

Non-indexed loan, interests reviewed every 36 months

At a glance

The interest rate of each loan is reviewed every 36 months
Higher interest than on indexed loans
Higher installments, but faster asset formation
Installments can change significantly with each revision

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If there is a substantial change in the interest rate, the instalments of non-indexed loans can change considerably at each review, but in between the instalments remain unchanged. Thus, it must always be borne in mind when taking out a loan that instalments can increase considerably if there are great interest rate changes between review periods.

In the Loan Calculator, you can view the estimated instalments of non-indexed loans and the development of the principal. You can also enter an interest rate of your choice there to see what the effect would be if interest rates rise or fall.

Non-Indexed Loans

Advantages of Non-Indexed Loans

At a glance

Development of interest rates on property loans