You know which instalment is debited each month. However, you cannot tell from your documents how the repayment will develop further. For an ongoing German consumer loan agreement a repayment schedule (Tilgungsplan) can be an important source of information. The request should relate to the correct agreement and to the current status.
Know the limited legal basis
§ 492 paragraph 3 BGB provides for a copy of the contract after conclusion. If a time for repayment is determined, the borrower can at any time request a repayment schedule according to the EGBGB rule mentioned there. [BGB492-3] This article explains that basis without setting out all special cases of loan law or all individual details of the referenced regulatory framework.
Check your actual documents to determine which agreement is involved. a general simulation from the search phase and the schedule of the loan now signed can be based on different foundations. Keep the simulation as an earlier assumption, but do not use it as the sole evidence of the present obligation.
Assign the request unambiguously
Our editorial recommendation: Name the contract concerned, ask for a comprehensible repayment schedule and point out any changes that have actually occurred. These may, in the specific case, already include agreed additional repayments or changed instalments. The piece does not assume that such changes would be possible without a separate agreement.
Ask about the start date used as the basis. Is it the original course or an updated status from a later date? If future figures depend on interest rates not yet fixed, have the assumptions used clearly indicated. A schedule does not automatically make unknown future variables binding.
An imaginary version error
A person finds a schedule from the offer phase in the folder. Later a different loan amount was agreed in the example. When compared with the current statement, the debt development therefore appears incorrect. The person requests the schedule belonging to the actual agreement and files both versions with their respective purpose.
They do not correct individual figures of the old document themselves. Otherwise an apparently official mixed version would arise whose origin would no longer be recognisable. Own calculation aids receive a clear label as own calculation.
Ask concrete questions based on the schedule
Assign the actual debits and, where applicable, later confirmed changes to the schedule. Unresolved discrepancies are named with date, amount and the corresponding line. A personal discrepancy does not yet prove a contractual breach.
The useful conclusion is a cohesive file consisting of contract status, current schedule and later confirmations. With this you can discuss remaining debt questions and future burdens in a targeted way. A lengthy schedule of figures does not replace an explanation, but an understandable explanation should be based on clearly assigned figures.