It may sound like a joke, but you can actually save money by converting from 2% to 2%. The means is the RealRåd model, which is cheaper interest-free or flexible installments. How you want to use the Real Council model is entirely up to you.

Here we give you specific suggestions


which are the result of a new good agreement that we have entered into with our bank liaison. We’ve cut away most conversion costs, allowing you to save big contributions for a limited period of time and maybe also get a profit on the exchange rate.

The three proposals are based on loans of USD 3 million. If we have to count on your options, just contact us. It does not cost anything.

Horizontal conversion of 2% loan without repayment – what is it now?


For a limited period, RealRåd now offers loan conversions of mortgage-free mortgages at much reduced cost. Switching 2% loans to new 2% loans sounds almost like a joke, but the truth is that the Real Council model opens up big savings and we, together with our business partner, have now decided to disregard our usual costs for a period of time, So customers alone have to pay USD 1,000 in fees to E-bank, USD 950 in redemption fees, and USD 1,660 in registration fees to repay a loan. Thus fixed costs of USD 3,610 when converted from 2% to 2%.

By completing the restructuring, you get 2 benefits


Based on the fact that you take out a fixed-rate loan with a repayment of 2% plus contributions depending on the loan-to-value ratio. At the same time, a fixed-rate mortgage is offered, where the interest rate corresponds to the 2% plus contribution rate. In this way, the interest expense is the same as saving by paying off the mortgage. By switching to a loan with repayment, you save the premium for the interest-free loan, which can be up to 0.33%.

At the same time, you can achieve a price gain here and now if you reschedule a 2% loan with maturity in 2050, as the price of the new loan is higher than the redemption price. If you reschedule a 2% loan with maturity in 2047, the repayment rate is slightly higher, and then you have to settle for the contribution saving, which quickly finances the loss. And by changing the loan from maturity in 2047 to 2050, you later get a better conversion to 3%, because you get the full benefit of the conversion, which is not the case when you convert from 2% 2047 to 3%. Here the price gain is approx. 1.9 points lower.