End date of interest-only period (DT_END_INTRST_ONLY)

Edition: second edition Veröffentlicht: 27.05.2019 aktuell Zum Quelldokument →

The date on which the interest-only period ends. Interest-only instruments are those for which, for a contractually set period, only the interest on the principal balance is paid, with the principal balance remaining unchanged. For interest-only instruments where, for a set term, the debtor is enabled to pay only the interest on the principle balance, the date reported is the date on which the interest-only period ends and beyond which the debtor is obliged to repay the principal balance. Even if the interest-only period end date has been reached, the original value of the end date is reported unchanged in this field. For instruments which are not interest-only instruments, the value “non-applicable” is reported. General reporting instructions, specific cases and examples The data attribute “end date of interest-only period” indicates whether, on the reporting reference date, the instrument is within a contractually defined period during which the debtor is only paying the interest. If so, the end date of the current interest-only period is reported. If it is not, but an interest-only period has already been completed (and regardless of whether there will be another such period in the future), the end date of the most recent interest-only period is reported. If the instrument is not interest-only on the reporting reference date and has not been at any point in the past, the value to report is “non-applicable”, regardless of whether an Revision mark: further clarifications are added in line with Q&A 2018/0005 31 May 2019 AnaCredit Reporting Manual – Part II – Datasets and data attributes interest-only period is due to start at some point in the future (i.e. after the reporting reference date). For instruments where no principal has yet been disbursed for (thus where no interest- only payments are yet possible), no date is reported until a disbursement (settlement) takes place. In addition, if an interest-only period has already ended (i.e. the end date of the interest-period is in the past) and the instrument is not interest-only at the reporting reference date, the past end-date is reported (i.e. there is no need to update the instrument dataset). By way of illustration, the example below considers the case of an instrument with multiple interest-only periods during its lifetime. Example 14: Instrument with multiple interest-only periods during its lifetime A five-year instrument is originated on 1 January 2019, and the parties agree that in the second and fourth years of the instrument’s life, the debtor will pay only the interest on the principal balance. Thus, the instrument has two contractually defined interest-only periods. This is reported as follows: • For all reporting reference dates in the first year (i.e. up to 31 December 2019), the “end date of interest-only period” should be reported as “non- applicable”, as both interest-only periods are in the future. • In the second year, the instrument is interest-only on all reporting reference dates, and the “end-date of interest-only period” should be reported as “31 December 2020”. • In the third year, the instrument is not interest-only on any of the reporting reference dates. However, as the instrument was interest-only in the previous year, the end date of the previous interest-only period (i.e. 31 December 2020) still applies. • In the fourth year, the instrument is interest-only on all reporting reference dates, and the “end date of interest-only period” should be reported as “31 December 2022”. • In the fifth year, the instrument is not interest-only on any of the reporting reference dates. However, the end date of the previous interest-only period (i.e. 31 December 2022) still applies. It is also clarified that the question of whether an instrument is interest-only on a reporting reference date does not depend on the frequency of the payment of interest and principal. For an instrument to be interest-only, the contract has to specify a period in which only interest is paid. In other words, if the contract does not set out a period during which only interest on the principal balance has to be paid, the instrument is not interest-only, regardless of the frequency of interest and principal payments. So, in the absence of explicit provisions in the contract, an instrument is not interest-only on any reporting reference date, even if there are periods during which, effectively, only interest is paid (e.g. in the case of monthly interest payments and quarterly principal payments). Revision mark: clarification is added concerning instruments which are not disbursed yet Revision mark: further clarifications are added in line with Q&A 2018/0006 31 May 2019 AnaCredit Reporting Manual – Part II – Datasets and data attributes The question of whether the principal balance remains unchanged during a contractually defined interest-only period is irrelevant in this regard, as is the question of whether the debtor makes the required interest payments during the period.

Veröffentlicht: 06.02.2026 aktuell Zum Quelldokument →

Zinszahlungen Hier ist das Datum zu melden, an dem der Zeitraum ausschließlicher Zinszahlungen endet. Deutsche Bundesbank Statistik Richtlinien Juli 2026 6.83 Kreditdaten- statistik Bei Instrumenten mit ausschließlicher Zinszahlung, d. h. Instrumenten, bei denen der Schuldner für einen bestimmten Zeitraum lediglich Zinszahlungen auf den ausstehenden Kapitalbetrag leistet, aber noch keine Tilgungen vornimmt, wird in diesem Datenfeld das Datum angegeben, an dem der Zeitraum ausschließlicher Zinszahlungen endet und nach dessen Ablauf auch Tilgungszahlungen erfolgen. Auch nach Ende des Zeitraums ausschließlicher Zinszahlungen wird in diesem Feld unverändert das ursprüngliche Enddatum gemeldet. Bei endfälligen Darlehen (Tilgungsart: „Einmaltilgung“) entspricht das Enddatum des Zeitraums ausschließlicher Zinszahlungen dem rechtlich endgültigen Fälligkeitsdatum. Bei Instrumenten, bei denen es sich nicht um Instrumente mit ausschließlicher Zinszahlung handelt, ist der Wert „nicht zutreffend“ zu melden.