Pseudonym said:How much of a loan are you looking for??
Say 20k over 5yrs(max car loan term) @ 9% (std car loan rate) = total amount to be repaid €24,868.20.
Say 20k over 20 yrs (mtge term) @ 4% = total amount to be repaid is €29,056.8.
So by not "topping up" you will save yourself at least €4k.