Early repayment of an installment loan?

With a rat loan, I associate an all-purpose loan. These are usually variably galvanized and can be repaid at any time without VFE. In the normal case, VFE is calculated for loans with interest rate depreciation, as banks have counter-financed with liabilities of corresponding maturity. The VFE should optimally cover the costs of the bank that it has to spend on dissolving counter-financing when you repay the loan prematurely.

The residual debt as a calculation basis for the VFE corresponds to the outstanding loan amount in the case of non-compliance loans; interest is not included here; exceptions exist at most in the case of very specific contract design in the individual customer sector.