repayment / cancellation
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repayment
The scheduled repayment of a loan or debt, usually in the form of regular installments. The repayment reduces the remaining outstanding debt amount.
Die monatliche Rate für das Haus besteht aus Zinsen und Tilgung.
The monthly payment for the house consists of interest and repayment.
'Die Tilgung' (repayment/cancellation) is the noun form of the verb 'tilgen' (to repay/delete). The ending '-ung' is often used to form a feminine noun from a verb that describes the process or result of the action.
Das Verb „tilgen“ bedeutet, eine Schuld oder einen Eintrag zu löschen.
The verb 'tilgen' means to repay a debt or delete an entry.
In a financial context, 'Tilgung' is often combined with words like 'Kredit' (loan), 'Darlehen' (loan), or 'Schulden' (debts). People also speak of 'monatliche Tilgung' (monthly repayment) or 'vorzeitige Tilgung' (early repayment).
Mit jeder Rate leisten wir einen Beitrag zur Tilgung des Kredits.
With each installment, we make a contribution toward repaying the loan.
In the meaning of 'Löschung' (deletion) or 'Beseitigung' (removal), the word 'Tilgung' is mainly used in elevated written language or in formal contexts.
Der Anwalt beantragte die Tilgung der unbegründeten Vorwürfe.
The lawyer requested the deletion of the unfounded accusations.
interest
'der Zins' and 'die Tilgung' are both often connected with a loan. However, they refer to different parts of the payment. 'Zins' is the price of being allowed to borrow money. You pay this money in addition to the actual debt. 'Tilgung' is the repayment of the debt itself; it reduces the outstanding loan. Learners may confuse the words because with a loan, you often pay both every month. A useful rule: interest is the cost of the loan; repayment is paying back the loan.
Die Tilgung läuft jeden Monat automatisch vom Konto ab.
The repayment is debited from the account automatically every month.
Tom findet die Zinsen für den Autokredit zu hoch.
Tom thinks the interest on the car loan is too high.