Reference arguments | Concept mentioned [on webpage (w), in case (c)] | Ref. | N (%) of students | |
---|---|---|---|---|
CG | EG | |||
Term of fixed interest is very short | w/c | X | 1 (4.3) | |
Term of the loan is very long/high | w/c | X | 2 (9.1) | 12 (52.2) |
Percentage of repayment is very low | w | X | ||
Total repayment is very high | w | X | ||
Maintenance costs have to be considered | w | X | 2 (9.1) | 2 (8.7) |
Development of interest rate after the term of fixed interest is uncertain | w | X |
Common arguments brought up by students beyond reference arguments (N > 1) | Concept mentioned [on webpage (w), in case (c)] | N (%) of students | ||
---|---|---|---|---|
CG | EG | |||
Debt remains after expiration of term of fixed interest | w | 6 (27.3) | 6 (26.1) | |
Free disposable monthly income is not enough/very low | w/c | 4 (18.2) | 3 (13) | |
Expenses for children have to be considered | w | 2 (9.1) | 2 (8.7) | |
Term of fixed interest is 10 years | m | 2 (9.1) | ||
Annual instalment is less than free disposable monthly income | w | 6 (26.1) | ||
Instalment can increase after expiration of term of fixed interest | w | 5 (21.7) | ||
Interest rate can increase after expiration of term of fixed interest | w | 5 (21.7) | ||
Due date of the purchase price is very early | w | 5 (21.7) | ||
Repayment of the loan lasts until retirement age is reached | w | 4 (17.4) | ||
There are no comparable offers | w | 3 (13) | ||
Unscheduled repayment is very low | w | 2 (8.7) | ||
Payment in advance/arrear | w | 2 (8.7) | ||
Expenses for contingencies must be taken into account | w | 2 (8.7) | ||
The calculator is confusing | w | 2 (8.7) | ||
More information is needed | 2 (8.7) |