With indirect amortization, the amount of the mortgage always remains the same. The repayment is made via a pillar 3a account pledged to the bank, to which the repayments are paid. In this way, you benefit on the one hand from the high deduction options for mortgage interest and on the other hand from the deduction options by paying into the pillar 3a account. This saving option is particularly advantageous for taxpayers who do not make voluntary payments to the Pillar 3a account!