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What Do I Gain by Making an Extra Deposit on the Loan?

Summary by Vísir
A 25-year-old man asks: "Hello Björn. What do I gain by depositing an extra 50,000 krónur per month on an index-linked additional mortgage, e.g. a 5 million krónur loan? Isn't this a savings of several tens of thousands of krónur in inflation-adjusted payments based on the current index development? I would like to pay off the loan sooner but find it difficult to see the benefit compared to savings accounts."
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VísirVísir

What Do I Gain by Making an Extra Deposit on the Loan?

A 25-year-old man asks: "Hello Björn. What do I gain by depositing an extra 50,000 krónur per month on an index-linked additional mortgage, e.g. a 5 million krónur loan? Isn't this a savings of several tens of thousands of krónur in inflation-adjusted payments based on the current index development? I would like to pay off the loan sooner but find it difficult to see the benefit compared to savings accounts."

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Vísir broke the news in on Tuesday, December 16, 2025.
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