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Umschuldung

Der Begriff der Umschuldung bezeichnet die Ablösung von alten Krediten durch neue Kredite, wobei sich hierbei i.d.R. der Kreditgeber ändert. Wesensmerkmal einer Umschuldung ist der Abschluss eines neuen Kreditvertrags. Ein Grund für eine Umschuldung kann sein, dass die Zinsen für den neuen Kredit niedriger sind als die des alten Kredites, sodass durch die Umschuldung die Zinsbelastung gesenkt werden kann, was wiederum den Haushaltsausgleich erleichtert.

 

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