Vollfinanzierung – Hauskauf ohne Eigenkapital

Trotz kontinuierlich steigender Immobilienpreise locken die niedrigen Zinsen immer mehr Mieter, den Schritt in die eigenen vier Wände zu wagen, auch ohne Eigenkapital. Bezüglich der Eigenmittel galt bis vor einiger Zeit noch die Faustformel „20 Prozent des Kaufpreises zuzüglich der Erwerbsnebenkosten“.

Auf dieser Regel aufbauend, sollte eine solide Finanzierung möglich sein. Schleichend hat sich aber das US-amerikanische Prinzip der Vollfinanzierung seinen Weg gesucht. Vollfinanzierungen haben einen Nachteil: In der Spitze wird es teuer.

Wichtige Informationen

Vollfinanzierung bedeutet, dass der Kaufpreis einer Immobilie zu 100% mit einem Darlehen abgedeckt werden kann und kein Eigenkapital dafür eingebracht werden muss.
Die Höhe des Finanzierungsanteils wird mit dem Beleihungsauslauf ausgedrückt.
Je höher der Beleihungsauslauf, desto höher die Zinsen. Ab 80% Beleihungsauslauf steigen die Zinsen überdurchschnittlich an, wie auch in unserem Baufinanzierungsvergleich ersichtlich.
Um eine Vollfinanzierung zu erhalten, muss die monatliche Tilgungsleistung meist 3% – 4% betragen und die Rate sollte rund 40% des Haushaltsnettoeinkommens ausmachen.
Die Erwerbsnebenkosten müssen i.d.R. vom Eigenkapital getragen werden, andernfalls ist von einer 110%-Finanzierung die Rede.

Der Beleihungsauslauf

Der sogenannte Beleihungsauslauf spielt bei der Verzinsung eines Hypothekendarlehens eine wesentliche Rolle. Er bezeichnet die Relation zwischen Beleihungswert der Immobilie und des in Anspruch genommenen Darlehens.

Beträgt der Beleihungswert der Immobilie 200.000 Euro, das Darlehen 80.000 Euro, liegt der Beleihungswert bei 40 Prozent. Je niedriger der Beleihungswert ausfällt, umso weniger Zinsen stellt die Bank in Rechnung. Landläufig unterscheiden die Banken vier Stufen:

Bis 40 Prozent des Beleihungswertes
Bis 60 Prozent des Beleihungswertes
Bis 80 Prozent des Beleihungswertes
Über 80 Prozent.

Hypothekenbanken dürfen Darlehen bis zu 60 Prozent des Beleihungswertes vergeben, sogenannte 1a-Hypotheken. Besteht ein höherer Finanzierungsbedarf, übernimmt diesen die assoziierte Bank gegen einen Zinsaufschlag von 0,5 Prozent in Form des 1b-Darlehens.

Bis zu einem Beleihungsauslauf von 80 Prozent sind die Zinsunterschiede zwischen den einzelnen Stufen eher marginal. Erst wenn die 80-Prozentmarke überschritten wird, steigen auch die Zinsen für diesen Anteil der Finanzierung überdurchschnittlich an, wie auch unser Baufinanzierungsrechner aufzeigt Wenn Sie dort bei „Beleihungsauslauf“ 110 Prozent eingeben, haben Sie eine Vollfinanzierung und können deren Zinsen direkt mit niedrigeren Werten für den Beleihungsauslauf vergleichen:

Kosten für Immobilien-Vollfinanzierung berechnen

Kaufpreis €

Eigenkapital €

Bundesland

Tilgungssatz

Sollzinsbindung

× Kaufpreis + Nebenkosten – Eigenkapital = Finanzierungsbedarf
Ihr Finanzierungsbedarf: €

Baufinanzierung

3.62/5,00

140.242,15€
Zinsanteil

2.506,67€
Monatsrate

3,52%
Sollzins p.a.

3,60%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 200.000,00 €;Kreditrate: 948,33 €;Gesamtbetrag: 113.800,00 €;Anzahl Kreditraten: 120;Laufzeit: 336 Monate;Effektiver Jahreszins: 3,75 %;Gebundener Sollzins: 3,69 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.173,33	1.333,33	2.506,67	398.666,67	1.173,33	1.333,33	2.506,67
2	398.666,67	1.169,42	1.337,24	2.506,67	397.329,42	2.342,76	2.670,58	5.013,33
3	397.329,42	1.165,50	1.341,17	2.506,67	395.988,26	3.508,26	4.011,74	7.520,00
4	395.988,26	1.161,57	1.345,10	2.506,67	394.643,15	4.669,82	5.356,85	10.026,67
5	394.643,15	1.157,62	1.349,05	2.506,67	393.294,11	5.827,44	6.705,89	12.533,33
6	393.294,11	1.153,66	1.353,00	2.506,67	391.941,10	6.981,10	8.058,90	15.040,00
7	391.941,10	1.149,69	1.356,97	2.506,67	390.584,13	8.130,80	9.415,87	17.546,67
8	390.584,13	1.145,71	1.360,95	2.506,67	389.223,18	9.276,51	10.776,82	20.053,33
9	389.223,18	1.141,72	1.364,95	2.506,67	387.858,23	10.418,23	12.141,77	22.560,00
10	387.858,23	1.137,72	1.368,95	2.506,67	386.489,28	11.555,95	13.510,72	25.066,67
11	386.489,28	1.133,70	1.372,96	2.506,67	385.116,32	12.689,65	14.883,68	27.573,33
12	385.116,32	1.129,67	1.376,99	2.506,67	383.739,33	13.819,33	16.260,67	30.080,00
13	383.739,33	1.125,64	1.381,03	2.506,67	382.358,29	14.944,96	17.641,71	32.586,67
14	382.358,29	1.121,58	1.385,08	2.506,67	380.973,21	16.066,55	19.026,79	35.093,33
15	380.973,21	1.117,52	1.389,15	2.506,67	379.584,07	17.184,07	20.415,93	37.600,00
16	379.584,07	1.113,45	1.393,22	2.506,67	378.190,85	18.297,51	21.809,15	40.106,67
17	378.190,85	1.109,36	1.397,31	2.506,67	376.793,54	19.406,87	23.206,46	42.613,33
18	376.793,54	1.105,26	1.401,41	2.506,67	375.392,13	20.512,13	24.607,87	45.120,00
19	375.392,13	1.101,15	1.405,52	2.506,67	373.986,62	21.613,28	26.013,38	47.626,67
20	373.986,62	1.097,03	1.409,64	2.506,67	372.576,98	22.710,31	27.423,02	50.133,33
21	372.576,98	1.092,89	1.413,77	2.506,67	371.163,20	23.803,20	28.836,80	52.640,00
22	371.163,20	1.088,75	1.417,92	2.506,67	369.745,28	24.891,95	30.254,72	55.146,67
23	369.745,28	1.084,59	1.422,08	2.506,67	368.323,20	25.976,54	31.676,80	57.653,33
24	368.323,20	1.080,41	1.426,25	2.506,67	366.896,95	27.056,95	33.103,05	60.160,00
25	366.896,95	1.076,23	1.430,44	2.506,67	365.466,52	28.133,18	34.533,48	62.666,67
26	365.466,52	1.072,04	1.434,63	2.506,67	364.031,88	29.205,22	35.968,12	65.173,33
27	364.031,88	1.067,83	1.438,84	2.506,67	362.593,04	30.273,04	37.406,96	67.680,00
28	362.593,04	1.063,61	1.443,06	2.506,67	361.149,98	31.336,65	38.850,02	70.186,67
29	361.149,98	1.059,37	1.447,29	2.506,67	359.702,69	32.396,02	40.297,31	72.693,33
30	359.702,69	1.055,13	1.451,54	2.506,67	358.251,15	33.451,15	41.748,85	75.200,00
31	358.251,15	1.050,87	1.455,80	2.506,67	356.795,35	34.502,02	43.204,65	77.706,67
32	356.795,35	1.046,60	1.460,07	2.506,67	355.335,29	35.548,62	44.664,71	80.213,33
33	355.335,29	1.042,32	1.464,35	2.506,67	353.870,94	36.590,94	46.129,06	82.720,00
34	353.870,94	1.038,02	1.468,65	2.506,67	352.402,29	37.628,96	47.597,71	85.226,67
35	352.402,29	1.033,71	1.472,95	2.506,67	350.929,34	38.662,67	49.070,66	87.733,33
36	350.929,34	1.029,39	1.477,27	2.506,67	349.452,07	39.692,07	50.547,93	90.240,00
37	349.452,07	1.025,06	1.481,61	2.506,67	347.970,46	40.717,12	52.029,54	92.746,67
38	347.970,46	1.020,71	1.485,95	2.506,67	346.484,50	41.737,84	53.515,50	95.253,33
39	346.484,50	1.016,35	1.490,31	2.506,67	344.994,19	42.754,19	55.005,81	97.760,00
40	344.994,19	1.011,98	1.494,68	2.506,67	343.499,51	43.766,18	56.500,49	100.266,67
41	343.499,51	1.007,60	1.499,07	2.506,67	342.000,44	44.773,77	57.999,56	102.773,33
42	342.000,44	1.003,20	1.503,47	2.506,67	340.496,98	45.776,98	59.503,02	105.280,00
43	340.496,98	998,79	1.507,88	2.506,67	338.989,10	46.775,77	61.010,90	107.786,67
44	338.989,10	994,37	1.512,30	2.506,67	337.476,80	47.770,13	62.523,20	110.293,33
45	337.476,80	989,93	1.516,73	2.506,67	335.960,07	48.760,07	64.039,93	112.800,00
46	335.960,07	985,48	1.521,18	2.506,67	334.438,88	49.745,55	65.561,12	115.306,67
47	334.438,88	981,02	1.525,65	2.506,67	332.913,24	50.726,57	67.086,76	117.813,33
48	332.913,24	976,55	1.530,12	2.506,67	331.383,12	51.703,12	68.616,88	120.320,00
49	331.383,12	972,06	1.534,61	2.506,67	329.848,51	52.675,17	70.151,49	122.826,67
50	329.848,51	967,56	1.539,11	2.506,67	328.309,40	53.642,73	71.690,60	125.333,33
51	328.309,40	963,04	1.543,63	2.506,67	326.765,77	54.605,77	73.234,23	127.840,00
52	326.765,77	958,51	1.548,15	2.506,67	325.217,62	55.564,28	74.782,38	130.346,67
53	325.217,62	953,97	1.552,69	2.506,67	323.664,92	56.518,25	76.335,08	132.853,33
54	323.664,92	949,42	1.557,25	2.506,67	322.107,67	57.467,67	77.892,33	135.360,00
55	322.107,67	944,85	1.561,82	2.506,67	320.545,85	58.412,52	79.454,15	137.866,67
56	320.545,85	940,27	1.566,40	2.506,67	318.979,45	59.352,79	81.020,55	140.373,33
57	318.979,45	935,67	1.570,99	2.506,67	317.408,46	60.288,46	82.591,54	142.880,00
58	317.408,46	931,06	1.575,60	2.506,67	315.832,86	61.219,53	84.167,14	145.386,67
59	315.832,86	926,44	1.580,22	2.506,67	314.252,64	62.145,97	85.747,36	147.893,33
60	314.252,64	921,81	1.584,86	2.506,67	312.667,78	63.067,78	87.332,22	150.400,00
61	312.667,78	917,16	1.589,51	2.506,67	311.078,27	63.984,94	88.921,73	152.906,67
62	311.078,27	912,50	1.594,17	2.506,67	309.484,10	64.897,43	90.515,90	155.413,33
63	309.484,10	907,82	1.598,85	2.506,67	307.885,25	65.805,25	92.114,75	157.920,00
64	307.885,25	903,13	1.603,54	2.506,67	306.281,72	66.708,38	93.718,28	160.426,67
65	306.281,72	898,43	1.608,24	2.506,67	304.673,48	67.606,81	95.326,52	162.933,33
66	304.673,48	893,71	1.612,96	2.506,67	303.060,52	68.500,52	96.939,48	165.440,00
67	303.060,52	888,98	1.617,69	2.506,67	301.442,83	69.389,49	98.557,17	167.946,67
68	301.442,83	884,23	1.622,43	2.506,67	299.820,39	70.273,73	100.179,61	170.453,33
69	299.820,39	879,47	1.627,19	2.506,67	298.193,20	71.153,20	101.806,80	172.960,00
70	298.193,20	874,70	1.631,97	2.506,67	296.561,23	72.027,90	103.438,77	175.466,67
71	296.561,23	869,91	1.636,75	2.506,67	294.924,48	72.897,81	105.075,52	177.973,33
72	294.924,48	865,11	1.641,55	2.506,67	293.282,93	73.762,93	106.717,07	180.480,00
73	293.282,93	860,30	1.646,37	2.506,67	291.636,55	74.623,22	108.363,45	182.986,67
74	291.636,55	855,47	1.651,20	2.506,67	289.985,36	75.478,69	110.014,64	185.493,33
75	289.985,36	850,62	1.656,04	2.506,67	288.329,31	76.329,31	111.670,69	188.000,00
76	288.329,31	845,77	1.660,90	2.506,67	286.668,41	77.175,08	113.331,59	190.506,67
77	286.668,41	840,89	1.665,77	2.506,67	285.002,64	78.015,97	114.997,36	193.013,33
78	285.002,64	836,01	1.670,66	2.506,67	283.331,98	78.851,98	116.668,02	195.520,00
79	283.331,98	831,11	1.675,56	2.506,67	281.656,42	79.683,09	118.343,58	198.026,67
80	281.656,42	826,19	1.680,47	2.506,67	279.975,95	80.509,28	120.024,05	200.533,33
81	279.975,95	821,26	1.685,40	2.506,67	278.290,54	81.330,54	121.709,46	203.040,00
82	278.290,54	816,32	1.690,35	2.506,67	276.600,19	82.146,86	123.399,81	205.546,67
83	276.600,19	811,36	1.695,31	2.506,67	274.904,89	82.958,22	125.095,11	208.053,33
84	274.904,89	806,39	1.700,28	2.506,67	273.204,61	83.764,61	126.795,39	210.560,00
85	273.204,61	801,40	1.705,27	2.506,67	271.499,34	84.566,01	128.500,66	213.066,67
86	271.499,34	796,40	1.710,27	2.506,67	269.789,07	85.362,41	130.210,93	215.573,33
87	269.789,07	791,38	1.715,29	2.506,67	268.073,79	86.153,79	131.926,21	218.080,00
88	268.073,79	786,35	1.720,32	2.506,67	266.353,47	86.940,14	133.646,53	220.586,67
89	266.353,47	781,30	1.725,36	2.506,67	264.628,11	87.721,44	135.371,89	223.093,33
90	264.628,11	776,24	1.730,42	2.506,67	262.897,68	88.497,68	137.102,32	225.600,00
91	262.897,68	771,17	1.735,50	2.506,67	261.162,18	89.268,85	138.837,82	228.106,67
92	261.162,18	766,08	1.740,59	2.506,67	259.421,59	90.034,93	140.578,41	230.613,33
93	259.421,59	760,97	1.745,70	2.506,67	257.675,90	90.795,90	142.324,10	233.120,00
94	257.675,90	755,85	1.750,82	2.506,67	255.925,08	91.551,75	144.074,92	235.626,67
95	255.925,08	750,71	1.755,95	2.506,67	254.169,13	92.302,46	145.830,87	238.133,33
96	254.169,13	745,56	1.761,10	2.506,67	252.408,02	93.048,02	147.591,98	240.640,00
97	252.408,02	740,40	1.766,27	2.506,67	250.641,75	93.788,42	149.358,25	243.146,67
98	250.641,75	735,22	1.771,45	2.506,67	248.870,30	94.523,64	151.129,70	245.653,33
99	248.870,30	730,02	1.776,65	2.506,67	247.093,66	95.253,66	152.906,34	248.160,00
100	247.093,66	724,81	1.781,86	2.506,67	245.311,80	95.978,46	154.688,20	250.666,67
101	245.311,80	719,58	1.787,09	2.506,67	243.524,71	96.698,04	156.475,29	253.173,33
102	243.524,71	714,34	1.792,33	2.506,67	241.732,38	97.412,38	158.267,62	255.680,00
103	241.732,38	709,08	1.797,59	2.506,67	239.934,80	98.121,47	160.065,20	258.186,67
104	239.934,80	703,81	1.802,86	2.506,67	238.131,94	98.825,27	161.868,06	260.693,33
105	238.131,94	698,52	1.808,15	2.506,67	236.323,79	99.523,79	163.676,21	263.200,00
106	236.323,79	693,22	1.813,45	2.506,67	234.510,34	100.217,01	165.489,66	265.706,67
107	234.510,34	687,90	1.818,77	2.506,67	232.691,57	100.904,91	167.308,43	268.213,33
108	232.691,57	682,56	1.824,10	2.506,67	230.867,47	101.587,47	169.132,53	270.720,00
109	230.867,47	677,21	1.829,46	2.506,67	229.038,01	102.264,68	170.961,99	273.226,67
110	229.038,01	671,84	1.834,82	2.506,67	227.203,19	102.936,53	172.796,81	275.733,33
111	227.203,19	666,46	1.840,20	2.506,67	225.362,99	103.602,99	174.637,01	278.240,00
112	225.362,99	661,06	1.845,60	2.506,67	223.517,39	104.264,05	176.482,61	280.746,67
113	223.517,39	655,65	1.851,02	2.506,67	221.666,37	104.919,70	178.333,63	283.253,33
114	221.666,37	650,22	1.856,45	2.506,67	219.809,93	105.569,93	180.190,07	285.760,00
115	219.809,93	644,78	1.861,89	2.506,67	217.948,03	106.214,70	182.051,97	288.266,67
116	217.948,03	639,31	1.867,35	2.506,67	216.080,68	106.854,02	183.919,32	290.773,33
117	216.080,68	633,84	1.872,83	2.506,67	214.207,85	107.487,85	185.792,15	293.280,00
118	214.207,85	628,34	1.878,32	2.506,67	212.329,53	108.116,20	187.670,47	295.786,67
119	212.329,53	622,83	1.883,83	2.506,67	210.445,70	108.739,03	189.554,30	298.293,33
120	210.445,70	617,31	1.889,36	2.506,67	208.556,34	109.356,34	191.443,66	300.800,00
121	208.556,34	611,77	1.894,90	2.506,67	206.661,43	109.968,10	193.338,57	303.306,67
122	206.661,43	606,21	1.900,46	2.506,67	204.760,97	110.574,31	195.239,03	305.813,33
123	204.760,97	600,63	1.906,03	2.506,67	202.854,94	111.174,94	197.145,06	308.320,00
124	202.854,94	595,04	1.911,63	2.506,67	200.943,31	111.769,98	199.056,69	310.826,67
125	200.943,31	589,43	1.917,23	2.506,67	199.026,08	112.359,42	200.973,92	313.333,33
126	199.026,08	583,81	1.922,86	2.506,67	197.103,23	112.943,23	202.896,77	315.840,00
127	197.103,23	578,17	1.928,50	2.506,67	195.174,73	113.521,39	204.825,27	318.346,67
128	195.174,73	572,51	1.934,15	2.506,67	193.240,57	114.093,91	206.759,43	320.853,33
129	193.240,57	566,84	1.939,83	2.506,67	191.300,75	114.660,75	208.699,25	323.360,00
130	191.300,75	561,15	1.945,52	2.506,67	189.355,23	115.221,89	210.644,77	325.866,67
131	189.355,23	555,44	1.951,22	2.506,67	187.404,00	115.777,34	212.596,00	328.373,33
132	187.404,00	549,72	1.956,95	2.506,67	185.447,06	116.327,06	214.552,94	330.880,00
133	185.447,06	543,98	1.962,69	2.506,67	183.484,37	116.871,03	216.515,63	333.386,67
134	183.484,37	538,22	1.968,45	2.506,67	181.515,92	117.409,25	218.484,08	335.893,33
135	181.515,92	532,45	1.974,22	2.506,67	179.541,70	117.941,70	220.458,30	338.400,00
136	179.541,70	526,66	1.980,01	2.506,67	177.561,69	118.468,36	222.438,31	340.906,67
137	177.561,69	520,85	1.985,82	2.506,67	175.575,87	118.989,20	224.424,13	343.413,33
138	175.575,87	515,02	1.991,64	2.506,67	173.584,23	119.504,23	226.415,77	345.920,00
139	173.584,23	509,18	1.997,49	2.506,67	171.586,74	120.013,41	228.413,26	348.426,67
140	171.586,74	503,32	2.003,35	2.506,67	169.583,39	120.516,73	230.416,61	350.933,33
141	169.583,39	497,44	2.009,22	2.506,67	167.574,17	121.014,17	232.425,83	353.440,00
142	167.574,17	491,55	2.015,12	2.506,67	165.559,06	121.505,72	234.440,94	355.946,67
143	165.559,06	485,64	2.021,03	2.506,67	163.538,03	121.991,36	236.461,97	358.453,33
144	163.538,03	479,71	2.026,96	2.506,67	161.511,08	122.471,08	238.488,92	360.960,00
145	161.511,08	473,77	2.032,90	2.506,67	159.478,17	122.944,84	240.521,83	363.466,67
146	159.478,17	467,80	2.038,86	2.506,67	157.439,31	123.412,64	242.560,69	365.973,33
147	157.439,31	461,82	2.044,84	2.506,67	155.394,47	123.874,47	244.605,53	368.480,00
148	155.394,47	455,82	2.050,84	2.506,67	153.343,62	124.330,29	246.656,38	370.986,67
149	153.343,62	449,81	2.056,86	2.506,67	151.286,76	124.780,10	248.713,24	373.493,33
150	151.286,76	443,77	2.062,89	2.506,67	149.223,87	125.223,87	250.776,13	376.000,00
151	149.223,87	437,72	2.068,94	2.506,67	147.154,93	125.661,60	252.845,07	378.506,67
152	147.154,93	431,65	2.075,01	2.506,67	145.079,92	126.093,25	254.920,08	381.013,33
153	145.079,92	425,57	2.081,10	2.506,67	142.998,82	126.518,82	257.001,18	383.520,00
154	142.998,82	419,46	2.087,20	2.506,67	140.911,61	126.938,28	259.088,39	386.026,67
155	140.911,61	413,34	2.093,33	2.506,67	138.818,29	127.351,62	261.181,71	388.533,33
156	138.818,29	407,20	2.099,47	2.506,67	136.718,82	127.758,82	263.281,18	391.040,00
157	136.718,82	401,04	2.105,62	2.506,67	134.613,20	128.159,86	265.386,80	393.546,67
158	134.613,20	394,87	2.111,80	2.506,67	132.501,40	128.554,73	267.498,60	396.053,33
159	132.501,40	388,67	2.118,00	2.506,67	130.383,40	128.943,40	269.616,60	398.560,00
160	130.383,40	382,46	2.124,21	2.506,67	128.259,19	129.325,86	271.740,81	401.066,67
161	128.259,19	376,23	2.130,44	2.506,67	126.128,75	129.702,08	273.871,25	403.573,33
162	126.128,75	369,98	2.136,69	2.506,67	123.992,06	130.072,06	276.007,94	406.080,00
163	123.992,06	363,71	2.142,96	2.506,67	121.849,11	130.435,77	278.150,89	408.586,67
164	121.849,11	357,42	2.149,24	2.506,67	119.699,86	130.793,20	280.300,14	411.093,33
165	119.699,86	351,12	2.155,55	2.506,67	117.544,32	131.144,32	282.455,68	413.600,00
166	117.544,32	344,80	2.161,87	2.506,67	115.382,45	131.489,11	284.617,55	416.106,67
167	115.382,45	338,46	2.168,21	2.506,67	113.214,23	131.827,57	286.785,77	418.613,33
168	113.214,23	332,10	2.174,57	2.506,67	111.039,66	132.159,66	288.960,34	421.120,00
169	111.039,66	325,72	2.180,95	2.506,67	108.858,71	132.485,38	291.141,29	423.626,67
170	108.858,71	319,32	2.187,35	2.506,67	106.671,36	132.804,70	293.328,64	426.133,33
171	106.671,36	312,90	2.193,76	2.506,67	104.477,60	133.117,60	295.522,40	428.640,00
172	104.477,60	306,47	2.200,20	2.506,67	102.277,40	133.424,07	297.722,60	431.146,67
173	102.277,40	300,01	2.206,65	2.506,67	100.070,75	133.724,08	299.929,25	433.653,33
174	100.070,75	293,54	2.213,13	2.506,67	97.857,62	134.017,62	302.142,38	436.160,00
175	97.857,62	287,05	2.219,62	2.506,67	95.638,01	134.304,67	304.361,99	438.666,67
176	95.638,01	280,54	2.226,13	2.506,67	93.411,88	134.585,21	306.588,12	441.173,33
177	93.411,88	274,01	2.232,66	2.506,67	91.179,22	134.859,22	308.820,78	443.680,00
178	91.179,22	267,46	2.239,21	2.506,67	88.940,01	135.126,68	311.059,99	446.186,67
179	88.940,01	260,89	2.245,78	2.506,67	86.694,23	135.387,57	313.305,77	448.693,33
180	86.694,23	254,30	2.252,36	2.506,67	84.441,87	135.641,87	315.558,13	451.200,00
181	84.441,87	247,70	2.258,97	2.506,67	82.182,90	135.889,57	317.817,10	453.706,67
182	82.182,90	241,07	2.265,60	2.506,67	79.917,30	136.130,64	320.082,70	456.213,33
183	79.917,30	234,42	2.272,24	2.506,67	77.645,06	136.365,06	322.354,94	458.720,00
184	77.645,06	227,76	2.278,91	2.506,67	75.366,15	136.592,82	324.633,85	461.226,67
185	75.366,15	221,07	2.285,59	2.506,67	73.080,56	136.813,89	326.919,44	463.733,33
186	73.080,56	214,37	2.292,30	2.506,67	70.788,26	137.028,26	329.211,74	466.240,00
187	70.788,26	207,65	2.299,02	2.506,67	68.489,24	137.235,91	331.510,76	468.746,67
188	68.489,24	200,90	2.305,76	2.506,67	66.183,48	137.436,81	333.816,52	471.253,33
189	66.183,48	194,14	2.312,53	2.506,67	63.870,95	137.630,95	336.129,05	473.760,00
190	63.870,95	187,35	2.319,31	2.506,67	61.551,64	137.818,30	338.448,36	476.266,67
191	61.551,64	180,55	2.326,12	2.506,67	59.225,52	137.998,86	340.774,48	478.773,33
192	59.225,52	173,73	2.332,94	2.506,67	56.892,58	138.172,58	343.107,42	481.280,00
193	56.892,58	166,88	2.339,78	2.506,67	54.552,80	138.339,47	345.447,20	483.786,67
194	54.552,80	160,02	2.346,65	2.506,67	52.206,16	138.499,49	347.793,84	486.293,33
195	52.206,16	153,14	2.353,53	2.506,67	49.852,63	138.652,63	350.147,37	488.800,00
196	49.852,63	146,23	2.360,43	2.506,67	47.492,20	138.798,86	352.507,80	491.306,67
197	47.492,20	139,31	2.367,36	2.506,67	45.124,84	138.938,17	354.875,16	493.813,33
198	45.124,84	132,37	2.374,30	2.506,67	42.750,54	139.070,54	357.249,46	496.320,00
199	42.750,54	125,40	2.381,27	2.506,67	40.369,27	139.195,94	359.630,73	498.826,67
200	40.369,27	118,42	2.388,25	2.506,67	37.981,02	139.314,36	362.018,98	501.333,33
201	37.981,02	111,41	2.395,26	2.506,67	35.585,77	139.425,77	364.414,23	503.840,00
202	35.585,77	104,38	2.402,28	2.506,67	33.183,49	139.530,15	366.816,51	506.346,67
203	33.183,49	97,34	2.409,33	2.506,67	30.774,16	139.627,49	369.225,84	508.853,33
204	30.774,16	90,27	2.416,40	2.506,67	28.357,76	139.717,76	371.642,24	511.360,00
205	28.357,76	83,18	2.423,48	2.506,67	25.934,28	139.800,95	374.065,72	513.866,67
206	25.934,28	76,07	2.430,59	2.506,67	23.503,69	139.877,02	376.496,31	516.373,33
207	23.503,69	68,94	2.437,72	2.506,67	21.065,96	139.945,96	378.934,04	518.880,00
208	21.065,96	61,79	2.444,87	2.506,67	18.621,09	140.007,76	381.378,91	521.386,67
209	18.621,09	54,62	2.452,04	2.506,67	16.169,05	140.062,38	383.830,95	523.893,33
210	16.169,05	47,43	2.459,24	2.506,67	13.709,81	140.109,81	386.290,19	526.400,00
211	13.709,81	40,22	2.466,45	2.506,67	11.243,36	140.150,02	388.756,64	528.906,67
212	11.243,36	32,98	2.473,69	2.506,67	8.769,67	140.183,00	391.230,33	531.413,33
213	8.769,67	25,72	2.480,94	2.506,67	6.288,73	140.208,73	393.711,27	533.920,00
214	6.288,73	18,45	2.488,22	2.506,67	3.800,51	140.227,18	396.199,49	536.426,67
215	3.800,51	11,15	2.495,52	2.506,67	1.304,99	140.238,32	398.695,01	538.933,33
216	1.304,99	3,83	1.304,99	1.304,99	1.304,99	140.242,15	400.000,00	540.242,15

Baufinanzierung

3.97/5,00

145.703,51€
Zinsanteil

2.563,33€
Monatsrate

3,69%
Sollzins p.a.

3,76%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 1.412,50 €;Gesamtbetrag: 169.500,00 €;Anzahl Kreditraten: 120;Laufzeit: 342 Monate;Effektiver Jahreszins: 3,71 %;Gebundener Sollzins: 3,65 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.230,00	1.333,33	2.563,33	398.666,67	1.230,00	1.333,33	2.563,33
2	398.666,67	1.225,90	1.337,43	2.563,33	397.329,23	2.455,90	2.670,77	5.126,67
3	397.329,23	1.221,79	1.341,55	2.563,33	395.987,69	3.677,69	4.012,31	7.690,00
4	395.987,69	1.217,66	1.345,67	2.563,33	394.642,02	4.895,35	5.357,98	10.253,33
5	394.642,02	1.213,52	1.349,81	2.563,33	393.292,21	6.108,87	6.707,79	12.816,67
6	393.292,21	1.209,37	1.353,96	2.563,33	391.938,25	7.318,25	8.061,75	15.380,00
7	391.938,25	1.205,21	1.358,12	2.563,33	390.580,12	8.523,46	9.419,88	17.943,33
8	390.580,12	1.201,03	1.362,30	2.563,33	389.217,82	9.724,49	10.782,18	20.506,67
9	389.217,82	1.196,84	1.366,49	2.563,33	387.851,34	10.921,34	12.148,66	23.070,00
10	387.851,34	1.192,64	1.370,69	2.563,33	386.480,65	12.113,98	13.519,35	25.633,33
11	386.480,65	1.188,43	1.374,91	2.563,33	385.105,74	13.302,41	14.894,26	28.196,67
12	385.105,74	1.184,20	1.379,13	2.563,33	383.726,61	14.486,61	16.273,39	30.760,00
13	383.726,61	1.179,96	1.383,37	2.563,33	382.343,23	15.666,57	17.656,77	33.323,33
14	382.343,23	1.175,71	1.387,63	2.563,33	380.955,61	16.842,27	19.044,39	35.886,67
15	380.955,61	1.171,44	1.391,89	2.563,33	379.563,71	18.013,71	20.436,29	38.450,00
16	379.563,71	1.167,16	1.396,17	2.563,33	378.167,54	19.180,87	21.832,46	41.013,33
17	378.167,54	1.162,87	1.400,47	2.563,33	376.767,07	20.343,73	23.232,93	43.576,67
18	376.767,07	1.158,56	1.404,77	2.563,33	375.362,29	21.502,29	24.637,71	46.140,00
19	375.362,29	1.154,24	1.409,09	2.563,33	373.953,20	22.656,53	26.046,80	48.703,33
20	373.953,20	1.149,91	1.413,43	2.563,33	372.539,77	23.806,44	27.460,23	51.266,67
21	372.539,77	1.145,56	1.417,77	2.563,33	371.122,00	24.952,00	28.878,00	53.830,00
22	371.122,00	1.141,20	1.422,13	2.563,33	369.699,86	26.093,20	30.300,14	56.393,33
23	369.699,86	1.136,83	1.426,51	2.563,33	368.273,36	27.230,02	31.726,64	58.956,67
24	368.273,36	1.132,44	1.430,89	2.563,33	366.842,47	28.362,47	33.157,53	61.520,00
25	366.842,47	1.128,04	1.435,29	2.563,33	365.407,17	29.490,51	34.592,83	64.083,33
26	365.407,17	1.123,63	1.439,71	2.563,33	363.967,47	30.614,13	36.032,53	66.646,67
27	363.967,47	1.119,20	1.444,13	2.563,33	362.523,33	31.733,33	37.476,67	69.210,00
28	362.523,33	1.114,76	1.448,57	2.563,33	361.074,76	32.848,09	38.925,24	71.773,33
29	361.074,76	1.110,30	1.453,03	2.563,33	359.621,73	33.958,40	40.378,27	74.336,67
30	359.621,73	1.105,84	1.457,50	2.563,33	358.164,23	35.064,23	41.835,77	76.900,00
31	358.164,23	1.101,36	1.461,98	2.563,33	356.702,26	36.165,59	43.297,74	79.463,33
32	356.702,26	1.096,86	1.466,47	2.563,33	355.235,78	37.262,45	44.764,22	82.026,67
33	355.235,78	1.092,35	1.470,98	2.563,33	353.764,80	38.354,80	46.235,20	84.590,00
34	353.764,80	1.087,83	1.475,51	2.563,33	352.289,29	39.442,63	47.710,71	87.153,33
35	352.289,29	1.083,29	1.480,04	2.563,33	350.809,25	40.525,91	49.190,75	89.716,67
36	350.809,25	1.078,74	1.484,59	2.563,33	349.324,65	41.604,65	50.675,35	92.280,00
37	349.324,65	1.074,17	1.489,16	2.563,33	347.835,49	42.678,83	52.164,51	94.843,33
38	347.835,49	1.069,59	1.493,74	2.563,33	346.341,75	43.748,42	53.658,25	97.406,67
39	346.341,75	1.065,00	1.498,33	2.563,33	344.843,42	44.813,42	55.156,58	99.970,00
40	344.843,42	1.060,39	1.502,94	2.563,33	343.340,48	45.873,82	56.659,52	102.533,33
41	343.340,48	1.055,77	1.507,56	2.563,33	341.832,92	46.929,59	58.167,08	105.096,67
42	341.832,92	1.051,14	1.512,20	2.563,33	340.320,72	47.980,72	59.679,28	107.660,00
43	340.320,72	1.046,49	1.516,85	2.563,33	338.803,88	49.027,21	61.196,12	110.223,33
44	338.803,88	1.041,82	1.521,51	2.563,33	337.282,36	50.069,03	62.717,64	112.786,67
45	337.282,36	1.037,14	1.526,19	2.563,33	335.756,17	51.106,17	64.243,83	115.350,00
46	335.756,17	1.032,45	1.530,88	2.563,33	334.225,29	52.138,62	65.774,71	117.913,33
47	334.225,29	1.027,74	1.535,59	2.563,33	332.689,70	53.166,37	67.310,30	120.476,67
48	332.689,70	1.023,02	1.540,31	2.563,33	331.149,39	54.189,39	68.850,61	123.040,00
49	331.149,39	1.018,28	1.545,05	2.563,33	329.604,34	55.207,67	70.395,66	125.603,33
50	329.604,34	1.013,53	1.549,80	2.563,33	328.054,54	56.221,21	71.945,46	128.166,67
51	328.054,54	1.008,77	1.554,57	2.563,33	326.499,97	57.229,97	73.500,03	130.730,00
52	326.499,97	1.003,99	1.559,35	2.563,33	324.940,63	58.233,96	75.059,37	133.293,33
53	324.940,63	999,19	1.564,14	2.563,33	323.376,49	59.233,15	76.623,51	135.856,67
54	323.376,49	994,38	1.568,95	2.563,33	321.807,54	60.227,54	78.192,46	138.420,00
55	321.807,54	989,56	1.573,78	2.563,33	320.233,76	61.217,09	79.766,24	140.983,33
56	320.233,76	984,72	1.578,61	2.563,33	318.655,15	62.201,81	81.344,85	143.546,67
57	318.655,15	979,86	1.583,47	2.563,33	317.071,68	63.181,68	82.928,32	146.110,00
58	317.071,68	975,00	1.588,34	2.563,33	315.483,34	64.156,67	84.516,66	148.673,33
59	315.483,34	970,11	1.593,22	2.563,33	313.890,12	65.126,78	86.109,88	151.236,67
60	313.890,12	965,21	1.598,12	2.563,33	312.292,00	66.092,00	87.708,00	153.800,00
61	312.292,00	960,30	1.603,04	2.563,33	310.688,96	67.052,29	89.311,04	156.363,33
62	310.688,96	955,37	1.607,96	2.563,33	309.081,00	68.007,66	90.919,00	158.926,67
63	309.081,00	950,42	1.612,91	2.563,33	307.468,09	68.958,09	92.531,91	161.490,00
64	307.468,09	945,46	1.617,87	2.563,33	305.850,22	69.903,55	94.149,78	164.053,33
65	305.850,22	940,49	1.622,84	2.563,33	304.227,37	70.844,04	95.772,63	166.616,67
66	304.227,37	935,50	1.627,83	2.563,33	302.599,54	71.779,54	97.400,46	169.180,00
67	302.599,54	930,49	1.632,84	2.563,33	300.966,70	72.710,03	99.033,30	171.743,33
68	300.966,70	925,47	1.637,86	2.563,33	299.328,84	73.635,51	100.671,16	174.306,67
69	299.328,84	920,44	1.642,90	2.563,33	297.685,94	74.555,94	102.314,06	176.870,00
70	297.685,94	915,38	1.647,95	2.563,33	296.037,99	75.471,33	103.962,01	179.433,33
71	296.037,99	910,32	1.653,02	2.563,33	294.384,98	76.381,64	105.615,02	181.996,67
72	294.384,98	905,23	1.658,10	2.563,33	292.726,88	77.286,88	107.273,12	184.560,00
73	292.726,88	900,14	1.663,20	2.563,33	291.063,68	78.187,01	108.936,32	187.123,33
74	291.063,68	895,02	1.668,31	2.563,33	289.395,37	79.082,03	110.604,63	189.686,67
75	289.395,37	889,89	1.673,44	2.563,33	287.721,92	79.971,92	112.278,08	192.250,00
76	287.721,92	884,74	1.678,59	2.563,33	286.043,34	80.856,67	113.956,66	194.813,33
77	286.043,34	879,58	1.683,75	2.563,33	284.359,59	81.736,25	115.640,41	197.376,67
78	284.359,59	874,41	1.688,93	2.563,33	282.670,66	82.610,66	117.329,34	199.940,00
79	282.670,66	869,21	1.694,12	2.563,33	280.976,54	83.479,87	119.023,46	202.503,33
80	280.976,54	864,00	1.699,33	2.563,33	279.277,21	84.343,87	120.722,79	205.066,67
81	279.277,21	858,78	1.704,56	2.563,33	277.572,65	85.202,65	122.427,35	207.630,00
82	277.572,65	853,54	1.709,80	2.563,33	275.862,85	86.056,19	124.137,15	210.193,33
83	275.862,85	848,28	1.715,06	2.563,33	274.147,80	86.904,46	125.852,20	212.756,67
84	274.147,80	843,00	1.720,33	2.563,33	272.427,47	87.747,47	127.572,53	215.320,00
85	272.427,47	837,71	1.725,62	2.563,33	270.701,85	88.585,18	129.298,15	217.883,33
86	270.701,85	832,41	1.730,93	2.563,33	268.970,93	89.417,59	131.029,07	220.446,67
87	268.970,93	827,09	1.736,25	2.563,33	267.234,68	90.244,68	132.765,32	223.010,00
88	267.234,68	821,75	1.741,59	2.563,33	265.493,09	91.066,42	134.506,91	225.573,33
89	265.493,09	816,39	1.746,94	2.563,33	263.746,15	91.882,82	136.253,85	228.136,67
90	263.746,15	811,02	1.752,31	2.563,33	261.993,83	92.693,83	138.006,17	230.700,00
91	261.993,83	805,63	1.757,70	2.563,33	260.236,13	93.499,47	139.763,87	233.263,33
92	260.236,13	800,23	1.763,11	2.563,33	258.473,03	94.299,69	141.526,97	235.826,67
93	258.473,03	794,80	1.768,53	2.563,33	256.704,50	95.094,50	143.295,50	238.390,00
94	256.704,50	789,37	1.773,97	2.563,33	254.930,53	95.883,86	145.069,47	240.953,33
95	254.930,53	783,91	1.779,42	2.563,33	253.151,11	96.667,77	146.848,89	243.516,67
96	253.151,11	778,44	1.784,89	2.563,33	251.366,21	97.446,21	148.633,79	246.080,00
97	251.366,21	772,95	1.790,38	2.563,33	249.575,83	98.219,17	150.424,17	248.643,33
98	249.575,83	767,45	1.795,89	2.563,33	247.779,94	98.986,61	152.220,06	251.206,67
99	247.779,94	761,92	1.801,41	2.563,33	245.978,53	99.748,53	154.021,47	253.770,00
100	245.978,53	756,38	1.806,95	2.563,33	244.171,58	100.504,92	155.828,42	256.333,33
101	244.171,58	750,83	1.812,51	2.563,33	242.359,08	101.255,75	157.640,92	258.896,67
102	242.359,08	745,25	1.818,08	2.563,33	240.541,00	102.001,00	159.459,00	261.460,00
103	240.541,00	739,66	1.823,67	2.563,33	238.717,33	102.740,66	161.282,67	264.023,33
104	238.717,33	734,06	1.829,28	2.563,33	236.888,05	103.474,72	163.111,95	266.586,67
105	236.888,05	728,43	1.834,90	2.563,33	235.053,15	104.203,15	164.946,85	269.150,00
106	235.053,15	722,79	1.840,54	2.563,33	233.212,61	104.925,94	166.787,39	271.713,33
107	233.212,61	717,13	1.846,20	2.563,33	231.366,40	105.643,07	168.633,60	274.276,67
108	231.366,40	711,45	1.851,88	2.563,33	229.514,52	106.354,52	170.485,48	276.840,00
109	229.514,52	705,76	1.857,58	2.563,33	227.656,94	107.060,28	172.343,06	279.403,33
110	227.656,94	700,05	1.863,29	2.563,33	225.793,65	107.760,32	174.206,35	281.966,67
111	225.793,65	694,32	1.869,02	2.563,33	223.924,64	108.454,64	176.075,36	284.530,00
112	223.924,64	688,57	1.874,77	2.563,33	222.049,87	109.143,20	177.950,13	287.093,33
113	222.049,87	682,80	1.880,53	2.563,33	220.169,34	109.826,01	179.830,66	289.656,67
114	220.169,34	677,02	1.886,31	2.563,33	218.283,03	110.503,03	181.716,97	292.220,00
115	218.283,03	671,22	1.892,11	2.563,33	216.390,92	111.174,25	183.609,08	294.783,33
116	216.390,92	665,40	1.897,93	2.563,33	214.492,98	111.839,65	185.507,02	297.346,67
117	214.492,98	659,57	1.903,77	2.563,33	212.589,22	112.499,22	187.410,78	299.910,00
118	212.589,22	653,71	1.909,62	2.563,33	210.679,60	113.152,93	189.320,40	302.473,33
119	210.679,60	647,84	1.915,49	2.563,33	208.764,10	113.800,77	191.235,90	305.036,67
120	208.764,10	641,95	1.921,38	2.563,33	206.842,72	114.442,72	193.157,28	307.600,00
121	206.842,72	636,04	1.927,29	2.563,33	204.915,43	115.078,76	195.084,57	310.163,33
122	204.915,43	630,11	1.933,22	2.563,33	202.982,21	115.708,87	197.017,79	312.726,67
123	202.982,21	624,17	1.939,16	2.563,33	201.043,05	116.333,05	198.956,95	315.290,00
124	201.043,05	618,21	1.945,13	2.563,33	199.097,92	116.951,25	200.902,08	317.853,33
125	199.097,92	612,23	1.951,11	2.563,33	197.146,81	117.563,48	202.853,19	320.416,67
126	197.146,81	606,23	1.957,11	2.563,33	195.189,70	118.169,70	204.810,30	322.980,00
127	195.189,70	600,21	1.963,12	2.563,33	193.226,58	118.769,91	206.773,42	325.543,33
128	193.226,58	594,17	1.969,16	2.563,33	191.257,42	119.364,09	208.742,58	328.106,67
129	191.257,42	588,12	1.975,22	2.563,33	189.282,20	119.952,20	210.717,80	330.670,00
130	189.282,20	582,04	1.981,29	2.563,33	187.300,91	120.534,24	212.699,09	333.233,33
131	187.300,91	575,95	1.987,38	2.563,33	185.313,53	121.110,19	214.686,47	335.796,67
132	185.313,53	569,84	1.993,49	2.563,33	183.320,03	121.680,03	216.679,97	338.360,00
133	183.320,03	563,71	1.999,62	2.563,33	181.320,41	122.243,74	218.679,59	340.923,33
134	181.320,41	557,56	2.005,77	2.563,33	179.314,64	122.801,30	220.685,36	343.486,67
135	179.314,64	551,39	2.011,94	2.563,33	177.302,70	123.352,70	222.697,30	346.050,00
136	177.302,70	545,21	2.018,13	2.563,33	175.284,57	123.897,90	224.715,43	348.613,33
137	175.284,57	539,00	2.024,33	2.563,33	173.260,23	124.436,90	226.739,77	351.176,67
138	173.260,23	532,78	2.030,56	2.563,33	171.229,68	124.969,68	228.770,32	353.740,00
139	171.229,68	526,53	2.036,80	2.563,33	169.192,87	125.496,21	230.807,13	356.303,33
140	169.192,87	520,27	2.043,07	2.563,33	167.149,81	126.016,48	232.850,19	358.866,67
141	167.149,81	513,99	2.049,35	2.563,33	165.100,46	126.530,46	234.899,54	361.430,00
142	165.100,46	507,68	2.055,65	2.563,33	163.044,81	127.038,15	236.955,19	363.993,33
143	163.044,81	501,36	2.061,97	2.563,33	160.982,84	127.539,51	239.017,16	366.556,67
144	160.982,84	495,02	2.068,31	2.563,33	158.914,53	128.034,53	241.085,47	369.120,00
145	158.914,53	488,66	2.074,67	2.563,33	156.839,86	128.523,19	243.160,14	371.683,33
146	156.839,86	482,28	2.081,05	2.563,33	154.758,81	129.005,48	245.241,19	374.246,67
147	154.758,81	475,88	2.087,45	2.563,33	152.671,36	129.481,36	247.328,64	376.810,00
148	152.671,36	469,46	2.093,87	2.563,33	150.577,49	129.950,82	249.422,51	379.373,33
149	150.577,49	463,03	2.100,31	2.563,33	148.477,18	130.413,85	251.522,82	381.936,67
150	148.477,18	456,57	2.106,77	2.563,33	146.370,42	130.870,42	253.629,58	384.500,00
151	146.370,42	450,09	2.113,24	2.563,33	144.257,17	131.320,51	255.742,83	387.063,33
152	144.257,17	443,59	2.119,74	2.563,33	142.137,43	131.764,10	257.862,57	389.626,67
153	142.137,43	437,07	2.126,26	2.563,33	140.011,17	132.201,17	259.988,83	392.190,00
154	140.011,17	430,53	2.132,80	2.563,33	137.878,37	132.631,70	262.121,63	394.753,33
155	137.878,37	423,98	2.139,36	2.563,33	135.739,01	133.055,68	264.260,99	397.316,67
156	135.739,01	417,40	2.145,94	2.563,33	133.593,08	133.473,08	266.406,92	399.880,00
157	133.593,08	410,80	2.152,53	2.563,33	131.440,54	133.883,88	268.559,46	402.443,33
158	131.440,54	404,18	2.159,15	2.563,33	129.281,39	134.288,05	270.718,61	405.006,67
159	129.281,39	397,54	2.165,79	2.563,33	127.115,60	134.685,60	272.884,40	407.570,00
160	127.115,60	390,88	2.172,45	2.563,33	124.943,14	135.076,48	275.056,86	410.133,33
161	124.943,14	384,20	2.179,13	2.563,33	122.764,01	135.460,68	277.235,99	412.696,67
162	122.764,01	377,50	2.185,83	2.563,33	120.578,18	135.838,18	279.421,82	415.260,00
163	120.578,18	370,78	2.192,56	2.563,33	118.385,62	136.208,95	281.614,38	417.823,33
164	118.385,62	364,04	2.199,30	2.563,33	116.186,32	136.572,99	283.813,68	420.386,67
165	116.186,32	357,27	2.206,06	2.563,33	113.980,26	136.930,26	286.019,74	422.950,00
166	113.980,26	350,49	2.212,84	2.563,33	111.767,42	137.280,75	288.232,58	425.513,33
167	111.767,42	343,68	2.219,65	2.563,33	109.547,77	137.624,44	290.452,23	428.076,67
168	109.547,77	336,86	2.226,47	2.563,33	107.321,30	137.961,30	292.678,70	430.640,00
169	107.321,30	330,01	2.233,32	2.563,33	105.087,97	138.291,31	294.912,03	433.203,33
170	105.087,97	323,15	2.240,19	2.563,33	102.847,79	138.614,45	297.152,21	435.766,67
171	102.847,79	316,26	2.247,08	2.563,33	100.600,71	138.930,71	299.399,29	438.330,00
172	100.600,71	309,35	2.253,99	2.563,33	98.346,72	139.240,06	301.653,28	440.893,33
173	98.346,72	302,42	2.260,92	2.563,33	96.085,81	139.542,47	303.914,19	443.456,67
174	96.085,81	295,46	2.267,87	2.563,33	93.817,94	139.837,94	306.182,06	446.020,00
175	93.817,94	288,49	2.274,84	2.563,33	91.543,09	140.126,43	308.456,91	448.583,33
176	91.543,09	281,50	2.281,84	2.563,33	89.261,26	140.407,92	310.738,74	451.146,67
177	89.261,26	274,48	2.288,85	2.563,33	86.972,40	140.682,40	313.027,60	453.710,00
178	86.972,40	267,44	2.295,89	2.563,33	84.676,51	140.949,84	315.323,49	456.273,33
179	84.676,51	260,38	2.302,95	2.563,33	82.373,56	141.210,22	317.626,44	458.836,67
180	82.373,56	253,30	2.310,03	2.563,33	80.063,52	141.463,52	319.936,48	461.400,00
181	80.063,52	246,20	2.317,14	2.563,33	77.746,38	141.709,72	322.253,62	463.963,33
182	77.746,38	239,07	2.324,26	2.563,33	75.422,12	141.948,79	324.577,88	466.526,67
183	75.422,12	231,92	2.331,41	2.563,33	73.090,71	142.180,71	326.909,29	469.090,00
184	73.090,71	224,75	2.338,58	2.563,33	70.752,13	142.405,46	329.247,87	471.653,33
185	70.752,13	217,56	2.345,77	2.563,33	68.406,36	142.623,03	331.593,64	474.216,67
186	68.406,36	210,35	2.352,98	2.563,33	66.053,38	142.833,38	333.946,62	476.780,00
187	66.053,38	203,11	2.360,22	2.563,33	63.693,16	143.036,49	336.306,84	479.343,33
188	63.693,16	195,86	2.367,48	2.563,33	61.325,68	143.232,35	338.674,32	481.906,67
189	61.325,68	188,58	2.374,76	2.563,33	58.950,92	143.420,92	341.049,08	484.470,00
190	58.950,92	181,27	2.382,06	2.563,33	56.568,86	143.602,20	343.431,14	487.033,33
191	56.568,86	173,95	2.389,38	2.563,33	54.179,48	143.776,15	345.820,52	489.596,67
192	54.179,48	166,60	2.396,73	2.563,33	51.782,75	143.942,75	348.217,25	492.160,00
193	51.782,75	159,23	2.404,10	2.563,33	49.378,65	144.101,98	350.621,35	494.723,33
194	49.378,65	151,84	2.411,49	2.563,33	46.967,15	144.253,82	353.032,85	497.286,67
195	46.967,15	144,42	2.418,91	2.563,33	44.548,24	144.398,24	355.451,76	499.850,00
196	44.548,24	136,99	2.426,35	2.563,33	42.121,90	144.535,23	357.878,10	502.413,33
197	42.121,90	129,52	2.433,81	2.563,33	39.688,09	144.664,75	360.311,91	504.976,67
198	39.688,09	122,04	2.441,29	2.563,33	37.246,79	144.786,79	362.753,21	507.540,00
199	37.246,79	114,53	2.448,80	2.563,33	34.797,99	144.901,33	365.202,01	510.103,33
200	34.797,99	107,00	2.456,33	2.563,33	32.341,67	145.008,33	367.658,33	512.666,67
201	32.341,67	99,45	2.463,88	2.563,33	29.877,78	145.107,78	370.122,22	515.230,00
202	29.877,78	91,87	2.471,46	2.563,33	27.406,32	145.199,66	372.593,68	517.793,33
203	27.406,32	84,27	2.479,06	2.563,33	24.927,26	145.283,93	375.072,74	520.356,67
204	24.927,26	76,65	2.486,68	2.563,33	22.440,58	145.360,58	377.559,42	522.920,00
205	22.440,58	69,00	2.494,33	2.563,33	19.946,25	145.429,59	380.053,75	525.483,33
206	19.946,25	61,33	2.502,00	2.563,33	17.444,26	145.490,92	382.555,74	528.046,67
207	17.444,26	53,64	2.509,69	2.563,33	14.934,56	145.544,56	385.065,44	530.610,00
208	14.934,56	45,92	2.517,41	2.563,33	12.417,15	145.590,49	387.582,85	533.173,33
209	12.417,15	38,18	2.525,15	2.563,33	9.892,00	145.628,67	390.108,00	535.736,67
210	9.892,00	30,42	2.532,92	2.563,33	7.359,09	145.659,09	392.640,91	538.300,00
211	7.359,09	22,63	2.540,70	2.563,33	4.818,38	145.681,72	395.181,62	540.863,33
212	4.818,38	14,82	2.548,52	2.563,33	2.269,87	145.696,53	397.730,13	543.426,67
213	2.269,87	6,98	2.269,87	2.269,87	2.269,87	145.703,51	400.000,00	545.703,51

Baufinanzierung

3.89/5,00

145.703,51€
Zinsanteil

2.563,33€
Monatsrate

3,69%
Sollzins p.a.

3,76%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 1.562,50 €;Gesamtbetrag: 187.500,00 €;Anzahl Kreditraten: 120;Laufzeit: 247 Monate;Effektiver Jahreszins: 4,36 %;Gebundener Sollzins: 4,25 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.230,00	1.333,33	2.563,33	398.666,67	1.230,00	1.333,33	2.563,33
2	398.666,67	1.225,90	1.337,43	2.563,33	397.329,23	2.455,90	2.670,77	5.126,67
3	397.329,23	1.221,79	1.341,55	2.563,33	395.987,69	3.677,69	4.012,31	7.690,00
4	395.987,69	1.217,66	1.345,67	2.563,33	394.642,02	4.895,35	5.357,98	10.253,33
5	394.642,02	1.213,52	1.349,81	2.563,33	393.292,21	6.108,87	6.707,79	12.816,67
6	393.292,21	1.209,37	1.353,96	2.563,33	391.938,25	7.318,25	8.061,75	15.380,00
7	391.938,25	1.205,21	1.358,12	2.563,33	390.580,12	8.523,46	9.419,88	17.943,33
8	390.580,12	1.201,03	1.362,30	2.563,33	389.217,82	9.724,49	10.782,18	20.506,67
9	389.217,82	1.196,84	1.366,49	2.563,33	387.851,34	10.921,34	12.148,66	23.070,00
10	387.851,34	1.192,64	1.370,69	2.563,33	386.480,65	12.113,98	13.519,35	25.633,33
11	386.480,65	1.188,43	1.374,91	2.563,33	385.105,74	13.302,41	14.894,26	28.196,67
12	385.105,74	1.184,20	1.379,13	2.563,33	383.726,61	14.486,61	16.273,39	30.760,00
13	383.726,61	1.179,96	1.383,37	2.563,33	382.343,23	15.666,57	17.656,77	33.323,33
14	382.343,23	1.175,71	1.387,63	2.563,33	380.955,61	16.842,27	19.044,39	35.886,67
15	380.955,61	1.171,44	1.391,89	2.563,33	379.563,71	18.013,71	20.436,29	38.450,00
16	379.563,71	1.167,16	1.396,17	2.563,33	378.167,54	19.180,87	21.832,46	41.013,33
17	378.167,54	1.162,87	1.400,47	2.563,33	376.767,07	20.343,73	23.232,93	43.576,67
18	376.767,07	1.158,56	1.404,77	2.563,33	375.362,29	21.502,29	24.637,71	46.140,00
19	375.362,29	1.154,24	1.409,09	2.563,33	373.953,20	22.656,53	26.046,80	48.703,33
20	373.953,20	1.149,91	1.413,43	2.563,33	372.539,77	23.806,44	27.460,23	51.266,67
21	372.539,77	1.145,56	1.417,77	2.563,33	371.122,00	24.952,00	28.878,00	53.830,00
22	371.122,00	1.141,20	1.422,13	2.563,33	369.699,86	26.093,20	30.300,14	56.393,33
23	369.699,86	1.136,83	1.426,51	2.563,33	368.273,36	27.230,02	31.726,64	58.956,67
24	368.273,36	1.132,44	1.430,89	2.563,33	366.842,47	28.362,47	33.157,53	61.520,00
25	366.842,47	1.128,04	1.435,29	2.563,33	365.407,17	29.490,51	34.592,83	64.083,33
26	365.407,17	1.123,63	1.439,71	2.563,33	363.967,47	30.614,13	36.032,53	66.646,67
27	363.967,47	1.119,20	1.444,13	2.563,33	362.523,33	31.733,33	37.476,67	69.210,00
28	362.523,33	1.114,76	1.448,57	2.563,33	361.074,76	32.848,09	38.925,24	71.773,33
29	361.074,76	1.110,30	1.453,03	2.563,33	359.621,73	33.958,40	40.378,27	74.336,67
30	359.621,73	1.105,84	1.457,50	2.563,33	358.164,23	35.064,23	41.835,77	76.900,00
31	358.164,23	1.101,36	1.461,98	2.563,33	356.702,26	36.165,59	43.297,74	79.463,33
32	356.702,26	1.096,86	1.466,47	2.563,33	355.235,78	37.262,45	44.764,22	82.026,67
33	355.235,78	1.092,35	1.470,98	2.563,33	353.764,80	38.354,80	46.235,20	84.590,00
34	353.764,80	1.087,83	1.475,51	2.563,33	352.289,29	39.442,63	47.710,71	87.153,33
35	352.289,29	1.083,29	1.480,04	2.563,33	350.809,25	40.525,91	49.190,75	89.716,67
36	350.809,25	1.078,74	1.484,59	2.563,33	349.324,65	41.604,65	50.675,35	92.280,00
37	349.324,65	1.074,17	1.489,16	2.563,33	347.835,49	42.678,83	52.164,51	94.843,33
38	347.835,49	1.069,59	1.493,74	2.563,33	346.341,75	43.748,42	53.658,25	97.406,67
39	346.341,75	1.065,00	1.498,33	2.563,33	344.843,42	44.813,42	55.156,58	99.970,00
40	344.843,42	1.060,39	1.502,94	2.563,33	343.340,48	45.873,82	56.659,52	102.533,33
41	343.340,48	1.055,77	1.507,56	2.563,33	341.832,92	46.929,59	58.167,08	105.096,67
42	341.832,92	1.051,14	1.512,20	2.563,33	340.320,72	47.980,72	59.679,28	107.660,00
43	340.320,72	1.046,49	1.516,85	2.563,33	338.803,88	49.027,21	61.196,12	110.223,33
44	338.803,88	1.041,82	1.521,51	2.563,33	337.282,36	50.069,03	62.717,64	112.786,67
45	337.282,36	1.037,14	1.526,19	2.563,33	335.756,17	51.106,17	64.243,83	115.350,00
46	335.756,17	1.032,45	1.530,88	2.563,33	334.225,29	52.138,62	65.774,71	117.913,33
47	334.225,29	1.027,74	1.535,59	2.563,33	332.689,70	53.166,37	67.310,30	120.476,67
48	332.689,70	1.023,02	1.540,31	2.563,33	331.149,39	54.189,39	68.850,61	123.040,00
49	331.149,39	1.018,28	1.545,05	2.563,33	329.604,34	55.207,67	70.395,66	125.603,33
50	329.604,34	1.013,53	1.549,80	2.563,33	328.054,54	56.221,21	71.945,46	128.166,67
51	328.054,54	1.008,77	1.554,57	2.563,33	326.499,97	57.229,97	73.500,03	130.730,00
52	326.499,97	1.003,99	1.559,35	2.563,33	324.940,63	58.233,96	75.059,37	133.293,33
53	324.940,63	999,19	1.564,14	2.563,33	323.376,49	59.233,15	76.623,51	135.856,67
54	323.376,49	994,38	1.568,95	2.563,33	321.807,54	60.227,54	78.192,46	138.420,00
55	321.807,54	989,56	1.573,78	2.563,33	320.233,76	61.217,09	79.766,24	140.983,33
56	320.233,76	984,72	1.578,61	2.563,33	318.655,15	62.201,81	81.344,85	143.546,67
57	318.655,15	979,86	1.583,47	2.563,33	317.071,68	63.181,68	82.928,32	146.110,00
58	317.071,68	975,00	1.588,34	2.563,33	315.483,34	64.156,67	84.516,66	148.673,33
59	315.483,34	970,11	1.593,22	2.563,33	313.890,12	65.126,78	86.109,88	151.236,67
60	313.890,12	965,21	1.598,12	2.563,33	312.292,00	66.092,00	87.708,00	153.800,00
61	312.292,00	960,30	1.603,04	2.563,33	310.688,96	67.052,29	89.311,04	156.363,33
62	310.688,96	955,37	1.607,96	2.563,33	309.081,00	68.007,66	90.919,00	158.926,67
63	309.081,00	950,42	1.612,91	2.563,33	307.468,09	68.958,09	92.531,91	161.490,00
64	307.468,09	945,46	1.617,87	2.563,33	305.850,22	69.903,55	94.149,78	164.053,33
65	305.850,22	940,49	1.622,84	2.563,33	304.227,37	70.844,04	95.772,63	166.616,67
66	304.227,37	935,50	1.627,83	2.563,33	302.599,54	71.779,54	97.400,46	169.180,00
67	302.599,54	930,49	1.632,84	2.563,33	300.966,70	72.710,03	99.033,30	171.743,33
68	300.966,70	925,47	1.637,86	2.563,33	299.328,84	73.635,51	100.671,16	174.306,67
69	299.328,84	920,44	1.642,90	2.563,33	297.685,94	74.555,94	102.314,06	176.870,00
70	297.685,94	915,38	1.647,95	2.563,33	296.037,99	75.471,33	103.962,01	179.433,33
71	296.037,99	910,32	1.653,02	2.563,33	294.384,98	76.381,64	105.615,02	181.996,67
72	294.384,98	905,23	1.658,10	2.563,33	292.726,88	77.286,88	107.273,12	184.560,00
73	292.726,88	900,14	1.663,20	2.563,33	291.063,68	78.187,01	108.936,32	187.123,33
74	291.063,68	895,02	1.668,31	2.563,33	289.395,37	79.082,03	110.604,63	189.686,67
75	289.395,37	889,89	1.673,44	2.563,33	287.721,92	79.971,92	112.278,08	192.250,00
76	287.721,92	884,74	1.678,59	2.563,33	286.043,34	80.856,67	113.956,66	194.813,33
77	286.043,34	879,58	1.683,75	2.563,33	284.359,59	81.736,25	115.640,41	197.376,67
78	284.359,59	874,41	1.688,93	2.563,33	282.670,66	82.610,66	117.329,34	199.940,00
79	282.670,66	869,21	1.694,12	2.563,33	280.976,54	83.479,87	119.023,46	202.503,33
80	280.976,54	864,00	1.699,33	2.563,33	279.277,21	84.343,87	120.722,79	205.066,67
81	279.277,21	858,78	1.704,56	2.563,33	277.572,65	85.202,65	122.427,35	207.630,00
82	277.572,65	853,54	1.709,80	2.563,33	275.862,85	86.056,19	124.137,15	210.193,33
83	275.862,85	848,28	1.715,06	2.563,33	274.147,80	86.904,46	125.852,20	212.756,67
84	274.147,80	843,00	1.720,33	2.563,33	272.427,47	87.747,47	127.572,53	215.320,00
85	272.427,47	837,71	1.725,62	2.563,33	270.701,85	88.585,18	129.298,15	217.883,33
86	270.701,85	832,41	1.730,93	2.563,33	268.970,93	89.417,59	131.029,07	220.446,67
87	268.970,93	827,09	1.736,25	2.563,33	267.234,68	90.244,68	132.765,32	223.010,00
88	267.234,68	821,75	1.741,59	2.563,33	265.493,09	91.066,42	134.506,91	225.573,33
89	265.493,09	816,39	1.746,94	2.563,33	263.746,15	91.882,82	136.253,85	228.136,67
90	263.746,15	811,02	1.752,31	2.563,33	261.993,83	92.693,83	138.006,17	230.700,00
91	261.993,83	805,63	1.757,70	2.563,33	260.236,13	93.499,47	139.763,87	233.263,33
92	260.236,13	800,23	1.763,11	2.563,33	258.473,03	94.299,69	141.526,97	235.826,67
93	258.473,03	794,80	1.768,53	2.563,33	256.704,50	95.094,50	143.295,50	238.390,00
94	256.704,50	789,37	1.773,97	2.563,33	254.930,53	95.883,86	145.069,47	240.953,33
95	254.930,53	783,91	1.779,42	2.563,33	253.151,11	96.667,77	146.848,89	243.516,67
96	253.151,11	778,44	1.784,89	2.563,33	251.366,21	97.446,21	148.633,79	246.080,00
97	251.366,21	772,95	1.790,38	2.563,33	249.575,83	98.219,17	150.424,17	248.643,33
98	249.575,83	767,45	1.795,89	2.563,33	247.779,94	98.986,61	152.220,06	251.206,67
99	247.779,94	761,92	1.801,41	2.563,33	245.978,53	99.748,53	154.021,47	253.770,00
100	245.978,53	756,38	1.806,95	2.563,33	244.171,58	100.504,92	155.828,42	256.333,33
101	244.171,58	750,83	1.812,51	2.563,33	242.359,08	101.255,75	157.640,92	258.896,67
102	242.359,08	745,25	1.818,08	2.563,33	240.541,00	102.001,00	159.459,00	261.460,00
103	240.541,00	739,66	1.823,67	2.563,33	238.717,33	102.740,66	161.282,67	264.023,33
104	238.717,33	734,06	1.829,28	2.563,33	236.888,05	103.474,72	163.111,95	266.586,67
105	236.888,05	728,43	1.834,90	2.563,33	235.053,15	104.203,15	164.946,85	269.150,00
106	235.053,15	722,79	1.840,54	2.563,33	233.212,61	104.925,94	166.787,39	271.713,33
107	233.212,61	717,13	1.846,20	2.563,33	231.366,40	105.643,07	168.633,60	274.276,67
108	231.366,40	711,45	1.851,88	2.563,33	229.514,52	106.354,52	170.485,48	276.840,00
109	229.514,52	705,76	1.857,58	2.563,33	227.656,94	107.060,28	172.343,06	279.403,33
110	227.656,94	700,05	1.863,29	2.563,33	225.793,65	107.760,32	174.206,35	281.966,67
111	225.793,65	694,32	1.869,02	2.563,33	223.924,64	108.454,64	176.075,36	284.530,00
112	223.924,64	688,57	1.874,77	2.563,33	222.049,87	109.143,20	177.950,13	287.093,33
113	222.049,87	682,80	1.880,53	2.563,33	220.169,34	109.826,01	179.830,66	289.656,67
114	220.169,34	677,02	1.886,31	2.563,33	218.283,03	110.503,03	181.716,97	292.220,00
115	218.283,03	671,22	1.892,11	2.563,33	216.390,92	111.174,25	183.609,08	294.783,33
116	216.390,92	665,40	1.897,93	2.563,33	214.492,98	111.839,65	185.507,02	297.346,67
117	214.492,98	659,57	1.903,77	2.563,33	212.589,22	112.499,22	187.410,78	299.910,00
118	212.589,22	653,71	1.909,62	2.563,33	210.679,60	113.152,93	189.320,40	302.473,33
119	210.679,60	647,84	1.915,49	2.563,33	208.764,10	113.800,77	191.235,90	305.036,67
120	208.764,10	641,95	1.921,38	2.563,33	206.842,72	114.442,72	193.157,28	307.600,00
121	206.842,72	636,04	1.927,29	2.563,33	204.915,43	115.078,76	195.084,57	310.163,33
122	204.915,43	630,11	1.933,22	2.563,33	202.982,21	115.708,87	197.017,79	312.726,67
123	202.982,21	624,17	1.939,16	2.563,33	201.043,05	116.333,05	198.956,95	315.290,00
124	201.043,05	618,21	1.945,13	2.563,33	199.097,92	116.951,25	200.902,08	317.853,33
125	199.097,92	612,23	1.951,11	2.563,33	197.146,81	117.563,48	202.853,19	320.416,67
126	197.146,81	606,23	1.957,11	2.563,33	195.189,70	118.169,70	204.810,30	322.980,00
127	195.189,70	600,21	1.963,12	2.563,33	193.226,58	118.769,91	206.773,42	325.543,33
128	193.226,58	594,17	1.969,16	2.563,33	191.257,42	119.364,09	208.742,58	328.106,67
129	191.257,42	588,12	1.975,22	2.563,33	189.282,20	119.952,20	210.717,80	330.670,00
130	189.282,20	582,04	1.981,29	2.563,33	187.300,91	120.534,24	212.699,09	333.233,33
131	187.300,91	575,95	1.987,38	2.563,33	185.313,53	121.110,19	214.686,47	335.796,67
132	185.313,53	569,84	1.993,49	2.563,33	183.320,03	121.680,03	216.679,97	338.360,00
133	183.320,03	563,71	1.999,62	2.563,33	181.320,41	122.243,74	218.679,59	340.923,33
134	181.320,41	557,56	2.005,77	2.563,33	179.314,64	122.801,30	220.685,36	343.486,67
135	179.314,64	551,39	2.011,94	2.563,33	177.302,70	123.352,70	222.697,30	346.050,00
136	177.302,70	545,21	2.018,13	2.563,33	175.284,57	123.897,90	224.715,43	348.613,33
137	175.284,57	539,00	2.024,33	2.563,33	173.260,23	124.436,90	226.739,77	351.176,67
138	173.260,23	532,78	2.030,56	2.563,33	171.229,68	124.969,68	228.770,32	353.740,00
139	171.229,68	526,53	2.036,80	2.563,33	169.192,87	125.496,21	230.807,13	356.303,33
140	169.192,87	520,27	2.043,07	2.563,33	167.149,81	126.016,48	232.850,19	358.866,67
141	167.149,81	513,99	2.049,35	2.563,33	165.100,46	126.530,46	234.899,54	361.430,00
142	165.100,46	507,68	2.055,65	2.563,33	163.044,81	127.038,15	236.955,19	363.993,33
143	163.044,81	501,36	2.061,97	2.563,33	160.982,84	127.539,51	239.017,16	366.556,67
144	160.982,84	495,02	2.068,31	2.563,33	158.914,53	128.034,53	241.085,47	369.120,00
145	158.914,53	488,66	2.074,67	2.563,33	156.839,86	128.523,19	243.160,14	371.683,33
146	156.839,86	482,28	2.081,05	2.563,33	154.758,81	129.005,48	245.241,19	374.246,67
147	154.758,81	475,88	2.087,45	2.563,33	152.671,36	129.481,36	247.328,64	376.810,00
148	152.671,36	469,46	2.093,87	2.563,33	150.577,49	129.950,82	249.422,51	379.373,33
149	150.577,49	463,03	2.100,31	2.563,33	148.477,18	130.413,85	251.522,82	381.936,67
150	148.477,18	456,57	2.106,77	2.563,33	146.370,42	130.870,42	253.629,58	384.500,00
151	146.370,42	450,09	2.113,24	2.563,33	144.257,17	131.320,51	255.742,83	387.063,33
152	144.257,17	443,59	2.119,74	2.563,33	142.137,43	131.764,10	257.862,57	389.626,67
153	142.137,43	437,07	2.126,26	2.563,33	140.011,17	132.201,17	259.988,83	392.190,00
154	140.011,17	430,53	2.132,80	2.563,33	137.878,37	132.631,70	262.121,63	394.753,33
155	137.878,37	423,98	2.139,36	2.563,33	135.739,01	133.055,68	264.260,99	397.316,67
156	135.739,01	417,40	2.145,94	2.563,33	133.593,08	133.473,08	266.406,92	399.880,00
157	133.593,08	410,80	2.152,53	2.563,33	131.440,54	133.883,88	268.559,46	402.443,33
158	131.440,54	404,18	2.159,15	2.563,33	129.281,39	134.288,05	270.718,61	405.006,67
159	129.281,39	397,54	2.165,79	2.563,33	127.115,60	134.685,60	272.884,40	407.570,00
160	127.115,60	390,88	2.172,45	2.563,33	124.943,14	135.076,48	275.056,86	410.133,33
161	124.943,14	384,20	2.179,13	2.563,33	122.764,01	135.460,68	277.235,99	412.696,67
162	122.764,01	377,50	2.185,83	2.563,33	120.578,18	135.838,18	279.421,82	415.260,00
163	120.578,18	370,78	2.192,56	2.563,33	118.385,62	136.208,95	281.614,38	417.823,33
164	118.385,62	364,04	2.199,30	2.563,33	116.186,32	136.572,99	283.813,68	420.386,67
165	116.186,32	357,27	2.206,06	2.563,33	113.980,26	136.930,26	286.019,74	422.950,00
166	113.980,26	350,49	2.212,84	2.563,33	111.767,42	137.280,75	288.232,58	425.513,33
167	111.767,42	343,68	2.219,65	2.563,33	109.547,77	137.624,44	290.452,23	428.076,67
168	109.547,77	336,86	2.226,47	2.563,33	107.321,30	137.961,30	292.678,70	430.640,00
169	107.321,30	330,01	2.233,32	2.563,33	105.087,97	138.291,31	294.912,03	433.203,33
170	105.087,97	323,15	2.240,19	2.563,33	102.847,79	138.614,45	297.152,21	435.766,67
171	102.847,79	316,26	2.247,08	2.563,33	100.600,71	138.930,71	299.399,29	438.330,00
172	100.600,71	309,35	2.253,99	2.563,33	98.346,72	139.240,06	301.653,28	440.893,33
173	98.346,72	302,42	2.260,92	2.563,33	96.085,81	139.542,47	303.914,19	443.456,67
174	96.085,81	295,46	2.267,87	2.563,33	93.817,94	139.837,94	306.182,06	446.020,00
175	93.817,94	288,49	2.274,84	2.563,33	91.543,09	140.126,43	308.456,91	448.583,33
176	91.543,09	281,50	2.281,84	2.563,33	89.261,26	140.407,92	310.738,74	451.146,67
177	89.261,26	274,48	2.288,85	2.563,33	86.972,40	140.682,40	313.027,60	453.710,00
178	86.972,40	267,44	2.295,89	2.563,33	84.676,51	140.949,84	315.323,49	456.273,33
179	84.676,51	260,38	2.302,95	2.563,33	82.373,56	141.210,22	317.626,44	458.836,67
180	82.373,56	253,30	2.310,03	2.563,33	80.063,52	141.463,52	319.936,48	461.400,00
181	80.063,52	246,20	2.317,14	2.563,33	77.746,38	141.709,72	322.253,62	463.963,33
182	77.746,38	239,07	2.324,26	2.563,33	75.422,12	141.948,79	324.577,88	466.526,67
183	75.422,12	231,92	2.331,41	2.563,33	73.090,71	142.180,71	326.909,29	469.090,00
184	73.090,71	224,75	2.338,58	2.563,33	70.752,13	142.405,46	329.247,87	471.653,33
185	70.752,13	217,56	2.345,77	2.563,33	68.406,36	142.623,03	331.593,64	474.216,67
186	68.406,36	210,35	2.352,98	2.563,33	66.053,38	142.833,38	333.946,62	476.780,00
187	66.053,38	203,11	2.360,22	2.563,33	63.693,16	143.036,49	336.306,84	479.343,33
188	63.693,16	195,86	2.367,48	2.563,33	61.325,68	143.232,35	338.674,32	481.906,67
189	61.325,68	188,58	2.374,76	2.563,33	58.950,92	143.420,92	341.049,08	484.470,00
190	58.950,92	181,27	2.382,06	2.563,33	56.568,86	143.602,20	343.431,14	487.033,33
191	56.568,86	173,95	2.389,38	2.563,33	54.179,48	143.776,15	345.820,52	489.596,67
192	54.179,48	166,60	2.396,73	2.563,33	51.782,75	143.942,75	348.217,25	492.160,00
193	51.782,75	159,23	2.404,10	2.563,33	49.378,65	144.101,98	350.621,35	494.723,33
194	49.378,65	151,84	2.411,49	2.563,33	46.967,15	144.253,82	353.032,85	497.286,67
195	46.967,15	144,42	2.418,91	2.563,33	44.548,24	144.398,24	355.451,76	499.850,00
196	44.548,24	136,99	2.426,35	2.563,33	42.121,90	144.535,23	357.878,10	502.413,33
197	42.121,90	129,52	2.433,81	2.563,33	39.688,09	144.664,75	360.311,91	504.976,67
198	39.688,09	122,04	2.441,29	2.563,33	37.246,79	144.786,79	362.753,21	507.540,00
199	37.246,79	114,53	2.448,80	2.563,33	34.797,99	144.901,33	365.202,01	510.103,33
200	34.797,99	107,00	2.456,33	2.563,33	32.341,67	145.008,33	367.658,33	512.666,67
201	32.341,67	99,45	2.463,88	2.563,33	29.877,78	145.107,78	370.122,22	515.230,00
202	29.877,78	91,87	2.471,46	2.563,33	27.406,32	145.199,66	372.593,68	517.793,33
203	27.406,32	84,27	2.479,06	2.563,33	24.927,26	145.283,93	375.072,74	520.356,67
204	24.927,26	76,65	2.486,68	2.563,33	22.440,58	145.360,58	377.559,42	522.920,00
205	22.440,58	69,00	2.494,33	2.563,33	19.946,25	145.429,59	380.053,75	525.483,33
206	19.946,25	61,33	2.502,00	2.563,33	17.444,26	145.490,92	382.555,74	528.046,67
207	17.444,26	53,64	2.509,69	2.563,33	14.934,56	145.544,56	385.065,44	530.610,00
208	14.934,56	45,92	2.517,41	2.563,33	12.417,15	145.590,49	387.582,85	533.173,33
209	12.417,15	38,18	2.525,15	2.563,33	9.892,00	145.628,67	390.108,00	535.736,67
210	9.892,00	30,42	2.532,92	2.563,33	7.359,09	145.659,09	392.640,91	538.300,00
211	7.359,09	22,63	2.540,70	2.563,33	4.818,38	145.681,72	395.181,62	540.863,33
212	4.818,38	14,82	2.548,52	2.563,33	2.269,87	145.696,53	397.730,13	543.426,67
213	2.269,87	6,98	2.269,87	2.269,87	2.269,87	145.703,51	400.000,00	545.703,51

Baufinanzierung

3.74/5,00

152.956,04€
Zinsanteil

2.640,00€
Monatsrate

3,92%
Sollzins p.a.

4,01%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 356.000,00 €;Kreditrate: 1.752,00 €;Gesamtbetrag: 210.240,00 €;Anzahl Kreditraten: 120;Laufzeit: 351 Monate;Effektiver Jahreszins: 4,00 %;Gebundener Sollzins: 3,90 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.306,67	1.333,33	2.640,00	398.666,67	1.306,67	1.333,33	2.640,00
2	398.666,67	1.302,31	1.337,69	2.640,00	397.328,98	2.608,98	2.671,02	5.280,00
3	397.328,98	1.297,94	1.342,06	2.640,00	395.986,92	3.906,92	4.013,08	7.920,00
4	395.986,92	1.293,56	1.346,44	2.640,00	394.640,48	5.200,48	5.359,52	10.560,00
5	394.640,48	1.289,16	1.350,84	2.640,00	393.289,64	6.489,64	6.710,36	13.200,00
6	393.289,64	1.284,75	1.355,25	2.640,00	391.934,38	7.774,38	8.065,62	15.840,00
7	391.934,38	1.280,32	1.359,68	2.640,00	390.574,70	9.054,70	9.425,30	18.480,00
8	390.574,70	1.275,88	1.364,12	2.640,00	389.210,58	10.330,58	10.789,42	21.120,00
9	389.210,58	1.271,42	1.368,58	2.640,00	387.842,00	11.602,00	12.158,00	23.760,00
10	387.842,00	1.266,95	1.373,05	2.640,00	386.468,95	12.868,95	13.531,05	26.400,00
11	386.468,95	1.262,47	1.377,53	2.640,00	385.091,41	14.131,41	14.908,59	29.040,00
12	385.091,41	1.257,97	1.382,03	2.640,00	383.709,38	15.389,38	16.290,62	31.680,00
13	383.709,38	1.253,45	1.386,55	2.640,00	382.322,83	16.642,83	17.677,17	34.320,00
14	382.322,83	1.248,92	1.391,08	2.640,00	380.931,75	17.891,75	19.068,25	36.960,00
15	380.931,75	1.244,38	1.395,62	2.640,00	379.536,13	19.136,13	20.463,87	39.600,00
16	379.536,13	1.239,82	1.400,18	2.640,00	378.135,95	20.375,95	21.864,05	42.240,00
17	378.135,95	1.235,24	1.404,76	2.640,00	376.731,19	21.611,19	23.268,81	44.880,00
18	376.731,19	1.230,66	1.409,34	2.640,00	375.321,85	22.841,85	24.678,15	47.520,00
19	375.321,85	1.226,05	1.413,95	2.640,00	373.907,90	24.067,90	26.092,10	50.160,00
20	373.907,90	1.221,43	1.418,57	2.640,00	372.489,33	25.289,33	27.510,67	52.800,00
21	372.489,33	1.216,80	1.423,20	2.640,00	371.066,13	26.506,13	28.933,87	55.440,00
22	371.066,13	1.212,15	1.427,85	2.640,00	369.638,28	27.718,28	30.361,72	58.080,00
23	369.638,28	1.207,49	1.432,51	2.640,00	368.205,76	28.925,76	31.794,24	60.720,00
24	368.205,76	1.202,81	1.437,19	2.640,00	366.768,57	30.128,57	33.231,43	63.360,00
25	366.768,57	1.198,11	1.441,89	2.640,00	365.326,68	31.326,68	34.673,32	66.000,00
26	365.326,68	1.193,40	1.446,60	2.640,00	363.880,08	32.520,08	36.119,92	68.640,00
27	363.880,08	1.188,67	1.451,33	2.640,00	362.428,75	33.708,75	37.571,25	71.280,00
28	362.428,75	1.183,93	1.456,07	2.640,00	360.972,69	34.892,69	39.027,31	73.920,00
29	360.972,69	1.179,18	1.460,82	2.640,00	359.511,87	36.071,87	40.488,13	76.560,00
30	359.511,87	1.174,41	1.465,59	2.640,00	358.046,27	37.246,27	41.953,73	79.200,00
31	358.046,27	1.169,62	1.470,38	2.640,00	356.575,89	38.415,89	43.424,11	81.840,00
32	356.575,89	1.164,81	1.475,19	2.640,00	355.100,70	39.580,70	44.899,30	84.480,00
33	355.100,70	1.160,00	1.480,00	2.640,00	353.620,70	40.740,70	46.379,30	87.120,00
34	353.620,70	1.155,16	1.484,84	2.640,00	352.135,86	41.895,86	47.864,14	89.760,00
35	352.135,86	1.150,31	1.489,69	2.640,00	350.646,17	43.046,17	49.353,83	92.400,00
36	350.646,17	1.145,44	1.494,56	2.640,00	349.151,61	44.191,61	50.848,39	95.040,00
37	349.151,61	1.140,56	1.499,44	2.640,00	347.652,18	45.332,18	52.347,82	97.680,00
38	347.652,18	1.135,66	1.504,34	2.640,00	346.147,84	46.467,84	53.852,16	100.320,00
39	346.147,84	1.130,75	1.509,25	2.640,00	344.638,59	47.598,59	55.361,41	102.960,00
40	344.638,59	1.125,82	1.514,18	2.640,00	343.124,41	48.724,41	56.875,59	105.600,00
41	343.124,41	1.120,87	1.519,13	2.640,00	341.605,28	49.845,28	58.394,72	108.240,00
42	341.605,28	1.115,91	1.524,09	2.640,00	340.081,19	50.961,19	59.918,81	110.880,00
43	340.081,19	1.110,93	1.529,07	2.640,00	338.552,13	52.072,13	61.447,87	113.520,00
44	338.552,13	1.105,94	1.534,06	2.640,00	337.018,06	53.178,06	62.981,94	116.160,00
45	337.018,06	1.100,93	1.539,07	2.640,00	335.478,99	54.278,99	64.521,01	118.800,00
46	335.478,99	1.095,90	1.544,10	2.640,00	333.934,89	55.374,89	66.065,11	121.440,00
47	333.934,89	1.090,85	1.549,15	2.640,00	332.385,74	56.465,74	67.614,26	124.080,00
48	332.385,74	1.085,79	1.554,21	2.640,00	330.831,53	57.551,53	69.168,47	126.720,00
49	330.831,53	1.080,72	1.559,28	2.640,00	329.272,25	58.632,25	70.727,75	129.360,00
50	329.272,25	1.075,62	1.564,38	2.640,00	327.707,87	59.707,87	72.292,13	132.000,00
51	327.707,87	1.070,51	1.569,49	2.640,00	326.138,38	60.778,38	73.861,62	134.640,00
52	326.138,38	1.065,39	1.574,61	2.640,00	324.563,77	61.843,77	75.436,23	137.280,00
53	324.563,77	1.060,24	1.579,76	2.640,00	322.984,01	62.904,01	77.015,99	139.920,00
54	322.984,01	1.055,08	1.584,92	2.640,00	321.399,09	63.959,09	78.600,91	142.560,00
55	321.399,09	1.049,90	1.590,10	2.640,00	319.809,00	65.009,00	80.191,00	145.200,00
56	319.809,00	1.044,71	1.595,29	2.640,00	318.213,71	66.053,71	81.786,29	147.840,00
57	318.213,71	1.039,50	1.600,50	2.640,00	316.613,20	67.093,20	83.386,80	150.480,00
58	316.613,20	1.034,27	1.605,73	2.640,00	315.007,47	68.127,47	84.992,53	153.120,00
59	315.007,47	1.029,02	1.610,98	2.640,00	313.396,50	69.156,50	86.603,50	155.760,00
60	313.396,50	1.023,76	1.616,24	2.640,00	311.780,26	70.180,26	88.219,74	158.400,00
61	311.780,26	1.018,48	1.621,52	2.640,00	310.158,74	71.198,74	89.841,26	161.040,00
62	310.158,74	1.013,19	1.626,81	2.640,00	308.531,93	72.211,93	91.468,07	163.680,00
63	308.531,93	1.007,87	1.632,13	2.640,00	306.899,80	73.219,80	93.100,20	166.320,00
64	306.899,80	1.002,54	1.637,46	2.640,00	305.262,34	74.222,34	94.737,66	168.960,00
65	305.262,34	997,19	1.642,81	2.640,00	303.619,53	75.219,53	96.380,47	171.600,00
66	303.619,53	991,82	1.648,18	2.640,00	301.971,35	76.211,35	98.028,65	174.240,00
67	301.971,35	986,44	1.653,56	2.640,00	300.317,79	77.197,79	99.682,21	176.880,00
68	300.317,79	981,04	1.658,96	2.640,00	298.658,83	78.178,83	101.341,17	179.520,00
69	298.658,83	975,62	1.664,38	2.640,00	296.994,45	79.154,45	103.005,55	182.160,00
70	296.994,45	970,18	1.669,82	2.640,00	295.324,63	80.124,63	104.675,37	184.800,00
71	295.324,63	964,73	1.675,27	2.640,00	293.649,36	81.089,36	106.350,64	187.440,00
72	293.649,36	959,25	1.680,75	2.640,00	291.968,61	82.048,61	108.031,39	190.080,00
73	291.968,61	953,76	1.686,24	2.640,00	290.282,38	83.002,38	109.717,62	192.720,00
74	290.282,38	948,26	1.691,74	2.640,00	288.590,63	83.950,63	111.409,37	195.360,00
75	288.590,63	942,73	1.697,27	2.640,00	286.893,36	84.893,36	113.106,64	198.000,00
76	286.893,36	937,18	1.702,82	2.640,00	285.190,55	85.830,55	114.809,45	200.640,00
77	285.190,55	931,62	1.708,38	2.640,00	283.482,17	86.762,17	116.517,83	203.280,00
78	283.482,17	926,04	1.713,96	2.640,00	281.768,21	87.688,21	118.231,79	205.920,00
79	281.768,21	920,44	1.719,56	2.640,00	280.048,65	88.608,65	119.951,35	208.560,00
80	280.048,65	914,83	1.725,17	2.640,00	278.323,48	89.523,48	121.676,52	211.200,00
81	278.323,48	909,19	1.730,81	2.640,00	276.592,67	90.432,67	123.407,33	213.840,00
82	276.592,67	903,54	1.736,46	2.640,00	274.856,21	91.336,21	125.143,79	216.480,00
83	274.856,21	897,86	1.742,14	2.640,00	273.114,07	92.234,07	126.885,93	219.120,00
84	273.114,07	892,17	1.747,83	2.640,00	271.366,24	93.126,24	128.633,76	221.760,00
85	271.366,24	886,46	1.753,54	2.640,00	269.612,70	94.012,70	130.387,30	224.400,00
86	269.612,70	880,73	1.759,27	2.640,00	267.853,44	94.893,44	132.146,56	227.040,00
87	267.853,44	874,99	1.765,01	2.640,00	266.088,43	95.768,43	133.911,57	229.680,00
88	266.088,43	869,22	1.770,78	2.640,00	264.317,65	96.637,65	135.682,35	232.320,00
89	264.317,65	863,44	1.776,56	2.640,00	262.541,09	97.501,09	137.458,91	234.960,00
90	262.541,09	857,63	1.782,37	2.640,00	260.758,72	98.358,72	139.241,28	237.600,00
91	260.758,72	851,81	1.788,19	2.640,00	258.970,53	99.210,53	141.029,47	240.240,00
92	258.970,53	845,97	1.794,03	2.640,00	257.176,50	100.056,50	142.823,50	242.880,00
93	257.176,50	840,11	1.799,89	2.640,00	255.376,61	100.896,61	144.623,39	245.520,00
94	255.376,61	834,23	1.805,77	2.640,00	253.570,84	101.730,84	146.429,16	248.160,00
95	253.570,84	828,33	1.811,67	2.640,00	251.759,18	102.559,18	148.240,82	250.800,00
96	251.759,18	822,41	1.817,59	2.640,00	249.941,59	103.381,59	150.058,41	253.440,00
97	249.941,59	816,48	1.823,52	2.640,00	248.118,06	104.198,06	151.881,94	256.080,00
98	248.118,06	810,52	1.829,48	2.640,00	246.288,58	105.008,58	153.711,42	258.720,00
99	246.288,58	804,54	1.835,46	2.640,00	244.453,13	105.813,13	155.546,87	261.360,00
100	244.453,13	798,55	1.841,45	2.640,00	242.611,67	106.611,67	157.388,33	264.000,00
101	242.611,67	792,53	1.847,47	2.640,00	240.764,20	107.404,20	159.235,80	266.640,00
102	240.764,20	786,50	1.853,50	2.640,00	238.910,70	108.190,70	161.089,30	269.280,00
103	238.910,70	780,44	1.859,56	2.640,00	237.051,14	108.971,14	162.948,86	271.920,00
104	237.051,14	774,37	1.865,63	2.640,00	235.185,51	109.745,51	164.814,49	274.560,00
105	235.185,51	768,27	1.871,73	2.640,00	233.313,78	110.513,78	166.686,22	277.200,00
106	233.313,78	762,16	1.877,84	2.640,00	231.435,94	111.275,94	168.564,06	279.840,00
107	231.435,94	756,02	1.883,98	2.640,00	229.551,96	112.031,96	170.448,04	282.480,00
108	229.551,96	749,87	1.890,13	2.640,00	227.661,83	112.781,83	172.338,17	285.120,00
109	227.661,83	743,70	1.896,30	2.640,00	225.765,53	113.525,53	174.234,47	287.760,00
110	225.765,53	737,50	1.902,50	2.640,00	223.863,03	114.263,03	176.136,97	290.400,00
111	223.863,03	731,29	1.908,71	2.640,00	221.954,32	114.994,32	178.045,68	293.040,00
112	221.954,32	725,05	1.914,95	2.640,00	220.039,37	115.719,37	179.960,63	295.680,00
113	220.039,37	718,80	1.921,20	2.640,00	218.118,16	116.438,16	181.881,84	298.320,00
114	218.118,16	712,52	1.927,48	2.640,00	216.190,68	117.150,68	183.809,32	300.960,00
115	216.190,68	706,22	1.933,78	2.640,00	214.256,90	117.856,90	185.743,10	303.600,00
116	214.256,90	699,91	1.940,09	2.640,00	212.316,81	118.556,81	187.683,19	306.240,00
117	212.316,81	693,57	1.946,43	2.640,00	210.370,38	119.250,38	189.629,62	308.880,00
118	210.370,38	687,21	1.952,79	2.640,00	208.417,59	119.937,59	191.582,41	311.520,00
119	208.417,59	680,83	1.959,17	2.640,00	206.458,42	120.618,42	193.541,58	314.160,00
120	206.458,42	674,43	1.965,57	2.640,00	204.492,85	121.292,85	195.507,15	316.800,00
121	204.492,85	668,01	1.971,99	2.640,00	202.520,86	121.960,86	197.479,14	319.440,00
122	202.520,86	661,57	1.978,43	2.640,00	200.542,43	122.622,43	199.457,57	322.080,00
123	200.542,43	655,11	1.984,89	2.640,00	198.557,53	123.277,53	201.442,47	324.720,00
124	198.557,53	648,62	1.991,38	2.640,00	196.566,15	123.926,15	203.433,85	327.360,00
125	196.566,15	642,12	1.997,88	2.640,00	194.568,27	124.568,27	205.431,73	330.000,00
126	194.568,27	635,59	2.004,41	2.640,00	192.563,86	125.203,86	207.436,14	332.640,00
127	192.563,86	629,04	2.010,96	2.640,00	190.552,90	125.832,90	209.447,10	335.280,00
128	190.552,90	622,47	2.017,53	2.640,00	188.535,38	126.455,38	211.464,62	337.920,00
129	188.535,38	615,88	2.024,12	2.640,00	186.511,26	127.071,26	213.488,74	340.560,00
130	186.511,26	609,27	2.030,73	2.640,00	184.480,53	127.680,53	215.519,47	343.200,00
131	184.480,53	602,64	2.037,36	2.640,00	182.443,16	128.283,16	217.556,84	345.840,00
132	182.443,16	595,98	2.044,02	2.640,00	180.399,15	128.879,15	219.600,85	348.480,00
133	180.399,15	589,30	2.050,70	2.640,00	178.348,45	129.468,45	221.651,55	351.120,00
134	178.348,45	582,60	2.057,40	2.640,00	176.291,05	130.051,05	223.708,95	353.760,00
135	176.291,05	575,88	2.064,12	2.640,00	174.226,94	130.626,94	225.773,06	356.400,00
136	174.226,94	569,14	2.070,86	2.640,00	172.156,08	131.196,08	227.843,92	359.040,00
137	172.156,08	562,38	2.077,62	2.640,00	170.078,46	131.758,46	229.921,54	361.680,00
138	170.078,46	555,59	2.084,41	2.640,00	167.994,05	132.314,05	232.005,95	364.320,00
139	167.994,05	548,78	2.091,22	2.640,00	165.902,83	132.862,83	234.097,17	366.960,00
140	165.902,83	541,95	2.098,05	2.640,00	163.804,78	133.404,78	236.195,22	369.600,00
141	163.804,78	535,10	2.104,90	2.640,00	161.699,87	133.939,87	238.300,13	372.240,00
142	161.699,87	528,22	2.111,78	2.640,00	159.588,09	134.468,09	240.411,91	374.880,00
143	159.588,09	521,32	2.118,68	2.640,00	157.469,41	134.989,41	242.530,59	377.520,00
144	157.469,41	514,40	2.125,60	2.640,00	155.343,81	135.503,81	244.656,19	380.160,00
145	155.343,81	507,46	2.132,54	2.640,00	153.211,27	136.011,27	246.788,73	382.800,00
146	153.211,27	500,49	2.139,51	2.640,00	151.071,76	136.511,76	248.928,24	385.440,00
147	151.071,76	493,50	2.146,50	2.640,00	148.925,26	137.005,26	251.074,74	388.080,00
148	148.925,26	486,49	2.153,51	2.640,00	146.771,75	137.491,75	253.228,25	390.720,00
149	146.771,75	479,45	2.160,55	2.640,00	144.611,20	137.971,20	255.388,80	393.360,00
150	144.611,20	472,40	2.167,60	2.640,00	142.443,60	138.443,60	257.556,40	396.000,00
151	142.443,60	465,32	2.174,68	2.640,00	140.268,92	138.908,92	259.731,08	398.640,00
152	140.268,92	458,21	2.181,79	2.640,00	138.087,13	139.367,13	261.912,87	401.280,00
153	138.087,13	451,08	2.188,92	2.640,00	135.898,21	139.818,21	264.101,79	403.920,00
154	135.898,21	443,93	2.196,07	2.640,00	133.702,15	140.262,15	266.297,85	406.560,00
155	133.702,15	436,76	2.203,24	2.640,00	131.498,91	140.698,91	268.501,09	409.200,00
156	131.498,91	429,56	2.210,44	2.640,00	129.288,47	141.128,47	270.711,53	411.840,00
157	129.288,47	422,34	2.217,66	2.640,00	127.070,81	141.550,81	272.929,19	414.480,00
158	127.070,81	415,10	2.224,90	2.640,00	124.845,91	141.965,91	275.154,09	417.120,00
159	124.845,91	407,83	2.232,17	2.640,00	122.613,74	142.373,74	277.386,26	419.760,00
160	122.613,74	400,54	2.239,46	2.640,00	120.374,28	142.774,28	279.625,72	422.400,00
161	120.374,28	393,22	2.246,78	2.640,00	118.127,50	143.167,50	281.872,50	425.040,00
162	118.127,50	385,88	2.254,12	2.640,00	115.873,38	143.553,38	284.126,62	427.680,00
163	115.873,38	378,52	2.261,48	2.640,00	113.611,90	143.931,90	286.388,10	430.320,00
164	113.611,90	371,13	2.268,87	2.640,00	111.343,04	144.303,04	288.656,96	432.960,00
165	111.343,04	363,72	2.276,28	2.640,00	109.066,76	144.666,76	290.933,24	435.600,00
166	109.066,76	356,28	2.283,72	2.640,00	106.783,04	145.023,04	293.216,96	438.240,00
167	106.783,04	348,82	2.291,18	2.640,00	104.491,87	145.371,87	295.508,13	440.880,00
168	104.491,87	341,34	2.298,66	2.640,00	102.193,21	145.713,21	297.806,79	443.520,00
169	102.193,21	333,83	2.306,17	2.640,00	99.887,04	146.047,04	300.112,96	446.160,00
170	99.887,04	326,30	2.313,70	2.640,00	97.573,33	146.373,33	302.426,67	448.800,00
171	97.573,33	318,74	2.321,26	2.640,00	95.252,07	146.692,07	304.747,93	451.440,00
172	95.252,07	311,16	2.328,84	2.640,00	92.923,23	147.003,23	307.076,77	454.080,00
173	92.923,23	303,55	2.336,45	2.640,00	90.586,78	147.306,78	309.413,22	456.720,00
174	90.586,78	295,92	2.344,08	2.640,00	88.242,70	147.602,70	311.757,30	459.360,00
175	88.242,70	288,26	2.351,74	2.640,00	85.890,96	147.890,96	314.109,04	462.000,00
176	85.890,96	280,58	2.359,42	2.640,00	83.531,53	148.171,53	316.468,47	464.640,00
177	83.531,53	272,87	2.367,13	2.640,00	81.164,40	148.444,40	318.835,60	467.280,00
178	81.164,40	265,14	2.374,86	2.640,00	78.789,54	148.709,54	321.210,46	469.920,00
179	78.789,54	257,38	2.382,62	2.640,00	76.406,92	148.966,92	323.593,08	472.560,00
180	76.406,92	249,60	2.390,40	2.640,00	74.016,52	149.216,52	325.983,48	475.200,00
181	74.016,52	241,79	2.398,21	2.640,00	71.618,30	149.458,30	328.381,70	477.840,00
182	71.618,30	233,95	2.406,05	2.640,00	69.212,26	149.692,26	330.787,74	480.480,00
183	69.212,26	226,09	2.413,91	2.640,00	66.798,35	149.918,35	333.201,65	483.120,00
184	66.798,35	218,21	2.421,79	2.640,00	64.376,56	150.136,56	335.623,44	485.760,00
185	64.376,56	210,30	2.429,70	2.640,00	61.946,85	150.346,85	338.053,15	488.400,00
186	61.946,85	202,36	2.437,64	2.640,00	59.509,21	150.549,21	340.490,79	491.040,00
187	59.509,21	194,40	2.445,60	2.640,00	57.063,61	150.743,61	342.936,39	493.680,00
188	57.063,61	186,41	2.453,59	2.640,00	54.610,02	150.930,02	345.389,98	496.320,00
189	54.610,02	178,39	2.461,61	2.640,00	52.148,41	151.108,41	347.851,59	498.960,00
190	52.148,41	170,35	2.469,65	2.640,00	49.678,76	151.278,76	350.321,24	501.600,00
191	49.678,76	162,28	2.477,72	2.640,00	47.201,05	151.441,05	352.798,95	504.240,00
192	47.201,05	154,19	2.485,81	2.640,00	44.715,24	151.595,24	355.284,76	506.880,00
193	44.715,24	146,07	2.493,93	2.640,00	42.221,31	151.741,31	357.778,69	509.520,00
194	42.221,31	137,92	2.502,08	2.640,00	39.719,23	151.879,23	360.280,77	512.160,00
195	39.719,23	129,75	2.510,25	2.640,00	37.208,98	152.008,98	362.791,02	514.800,00
196	37.208,98	121,55	2.518,45	2.640,00	34.690,53	152.130,53	365.309,47	517.440,00
197	34.690,53	113,32	2.526,68	2.640,00	32.163,85	152.243,85	367.836,15	520.080,00
198	32.163,85	105,07	2.534,93	2.640,00	29.628,92	152.348,92	370.371,08	522.720,00
199	29.628,92	96,79	2.543,21	2.640,00	27.085,71	152.445,71	372.914,29	525.360,00
200	27.085,71	88,48	2.551,52	2.640,00	24.534,19	152.534,19	375.465,81	528.000,00
201	24.534,19	80,15	2.559,85	2.640,00	21.974,33	152.614,33	378.025,67	530.640,00
202	21.974,33	71,78	2.568,22	2.640,00	19.406,11	152.686,11	380.593,89	533.280,00
203	19.406,11	63,39	2.576,61	2.640,00	16.829,51	152.749,51	383.170,49	535.920,00
204	16.829,51	54,98	2.585,02	2.640,00	14.244,48	152.804,48	385.755,52	538.560,00
205	14.244,48	46,53	2.593,47	2.640,00	11.651,02	152.851,02	388.348,98	541.200,00
206	11.651,02	38,06	2.601,94	2.640,00	9.049,08	152.889,08	390.950,92	543.840,00
207	9.049,08	29,56	2.610,44	2.640,00	6.438,64	152.918,64	393.561,36	546.480,00
208	6.438,64	21,03	2.618,97	2.640,00	3.819,67	152.939,67	396.180,33	549.120,00
209	3.819,67	12,48	2.627,52	2.640,00	1.192,15	152.952,15	398.807,85	551.760,00
210	1.192,15	3,89	1.192,15	1.192,15	1.192,15	152.956,04	400.000,00	552.956,04

Baufinanzierung

4.04/5,00

153.889,59€
Zinsanteil

2.650,00€
Monatsrate

3,95%
Sollzins p.a.

4,02%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 200.000,00 €;Kreditrate: 934,95 €;Gesamtbetrag: 112.200,00 €;Anzahl Kreditraten: 120;Laufzeit: 344 Monate;Effektiver Jahreszins: 3,67 %;Gebundener Sollzins: 3,61 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.316,67	1.333,33	2.650,00	398.666,67	1.316,67	1.333,33	2.650,00
2	398.666,67	1.312,28	1.337,72	2.650,00	397.328,94	2.628,94	2.671,06	5.300,00
3	397.328,94	1.307,87	1.342,13	2.650,00	395.986,82	3.936,82	4.013,18	7.950,00
4	395.986,82	1.303,46	1.346,54	2.650,00	394.640,28	5.240,28	5.359,72	10.600,00
5	394.640,28	1.299,02	1.350,98	2.650,00	393.289,30	6.539,30	6.710,70	13.250,00
6	393.289,30	1.294,58	1.355,42	2.650,00	391.933,88	7.833,88	8.066,12	15.900,00
7	391.933,88	1.290,12	1.359,88	2.650,00	390.573,99	9.123,99	9.426,01	18.550,00
8	390.573,99	1.285,64	1.364,36	2.650,00	389.209,63	10.409,63	10.790,37	21.200,00
9	389.209,63	1.281,15	1.368,85	2.650,00	387.840,78	11.690,78	12.159,22	23.850,00
10	387.840,78	1.276,64	1.373,36	2.650,00	386.467,42	12.967,42	13.532,58	26.500,00
11	386.467,42	1.272,12	1.377,88	2.650,00	385.089,54	14.239,54	14.910,46	29.150,00
12	385.089,54	1.267,59	1.382,41	2.650,00	383.707,13	15.507,13	16.292,87	31.800,00
13	383.707,13	1.263,04	1.386,96	2.650,00	382.320,17	16.770,17	17.679,83	34.450,00
14	382.320,17	1.258,47	1.391,53	2.650,00	380.928,64	18.028,64	19.071,36	37.100,00
15	380.928,64	1.253,89	1.396,11	2.650,00	379.532,53	19.282,53	20.467,47	39.750,00
16	379.532,53	1.249,29	1.400,71	2.650,00	378.131,82	20.531,82	21.868,18	42.400,00
17	378.131,82	1.244,68	1.405,32	2.650,00	376.726,51	21.776,51	23.273,49	45.050,00
18	376.726,51	1.240,06	1.409,94	2.650,00	375.316,56	23.016,56	24.683,44	47.700,00
19	375.316,56	1.235,42	1.414,58	2.650,00	373.901,98	24.251,98	26.098,02	50.350,00
20	373.901,98	1.230,76	1.419,24	2.650,00	372.482,74	25.482,74	27.517,26	53.000,00
21	372.482,74	1.226,09	1.423,91	2.650,00	371.058,83	26.708,83	28.941,17	55.650,00
22	371.058,83	1.221,40	1.428,60	2.650,00	369.630,23	27.930,23	30.369,77	58.300,00
23	369.630,23	1.216,70	1.433,30	2.650,00	368.196,93	29.146,93	31.803,07	60.950,00
24	368.196,93	1.211,98	1.438,02	2.650,00	366.758,91	30.358,91	33.241,09	63.600,00
25	366.758,91	1.207,25	1.442,75	2.650,00	365.316,16	31.566,16	34.683,84	66.250,00
26	365.316,16	1.202,50	1.447,50	2.650,00	363.868,66	32.768,66	36.131,34	68.900,00
27	363.868,66	1.197,73	1.452,27	2.650,00	362.416,40	33.966,40	37.583,60	71.550,00
28	362.416,40	1.192,95	1.457,05	2.650,00	360.959,35	35.159,35	39.040,65	74.200,00
29	360.959,35	1.188,16	1.461,84	2.650,00	359.497,51	36.347,51	40.502,49	76.850,00
30	359.497,51	1.183,35	1.466,65	2.650,00	358.030,85	37.530,85	41.969,15	79.500,00
31	358.030,85	1.178,52	1.471,48	2.650,00	356.559,37	38.709,37	43.440,63	82.150,00
32	356.559,37	1.173,67	1.476,33	2.650,00	355.083,05	39.883,05	44.916,95	84.800,00
33	355.083,05	1.168,82	1.481,18	2.650,00	353.601,86	41.051,86	46.398,14	87.450,00
34	353.601,86	1.163,94	1.486,06	2.650,00	352.115,80	42.215,80	47.884,20	90.100,00
35	352.115,80	1.159,05	1.490,95	2.650,00	350.624,85	43.374,85	49.375,15	92.750,00
36	350.624,85	1.154,14	1.495,86	2.650,00	349.128,99	44.528,99	50.871,01	95.400,00
37	349.128,99	1.149,22	1.500,78	2.650,00	347.628,21	45.678,21	52.371,79	98.050,00
38	347.628,21	1.144,28	1.505,72	2.650,00	346.122,48	46.822,48	53.877,52	100.700,00
39	346.122,48	1.139,32	1.510,68	2.650,00	344.611,80	47.961,80	55.388,20	103.350,00
40	344.611,80	1.134,35	1.515,65	2.650,00	343.096,15	49.096,15	56.903,85	106.000,00
41	343.096,15	1.129,36	1.520,64	2.650,00	341.575,51	50.225,51	58.424,49	108.650,00
42	341.575,51	1.124,35	1.525,65	2.650,00	340.049,86	51.349,86	59.950,14	111.300,00
43	340.049,86	1.119,33	1.530,67	2.650,00	338.519,19	52.469,19	61.480,81	113.950,00
44	338.519,19	1.114,29	1.535,71	2.650,00	336.983,48	53.583,48	63.016,52	116.600,00
45	336.983,48	1.109,24	1.540,76	2.650,00	335.442,72	54.692,72	64.557,28	119.250,00
46	335.442,72	1.104,17	1.545,83	2.650,00	333.896,89	55.796,89	66.103,11	121.900,00
47	333.896,89	1.099,08	1.550,92	2.650,00	332.345,96	56.895,96	67.654,04	124.550,00
48	332.345,96	1.093,97	1.556,03	2.650,00	330.789,93	57.989,93	69.210,07	127.200,00
49	330.789,93	1.088,85	1.561,15	2.650,00	329.228,78	59.078,78	70.771,22	129.850,00
50	329.228,78	1.083,71	1.566,29	2.650,00	327.662,50	60.162,50	72.337,50	132.500,00
51	327.662,50	1.078,56	1.571,44	2.650,00	326.091,05	61.241,05	73.908,95	135.150,00
52	326.091,05	1.073,38	1.576,62	2.650,00	324.514,44	62.314,44	75.485,56	137.800,00
53	324.514,44	1.068,19	1.581,81	2.650,00	322.932,63	63.382,63	77.067,37	140.450,00
54	322.932,63	1.062,99	1.587,01	2.650,00	321.345,61	64.445,61	78.654,39	143.100,00
55	321.345,61	1.057,76	1.592,24	2.650,00	319.753,38	65.503,38	80.246,62	145.750,00
56	319.753,38	1.052,52	1.597,48	2.650,00	318.155,90	66.555,90	81.844,10	148.400,00
57	318.155,90	1.047,26	1.602,74	2.650,00	316.553,16	67.603,16	83.446,84	151.050,00
58	316.553,16	1.041,99	1.608,01	2.650,00	314.945,15	68.645,15	85.054,85	153.700,00
59	314.945,15	1.036,69	1.613,31	2.650,00	313.331,84	69.681,84	86.668,16	156.350,00
60	313.331,84	1.031,38	1.618,62	2.650,00	311.713,23	70.713,23	88.286,77	159.000,00
61	311.713,23	1.026,06	1.623,94	2.650,00	310.089,28	71.739,28	89.910,72	161.650,00
62	310.089,28	1.020,71	1.629,29	2.650,00	308.459,99	72.759,99	91.540,01	164.300,00
63	308.459,99	1.015,35	1.634,65	2.650,00	306.825,34	73.775,34	93.174,66	166.950,00
64	306.825,34	1.009,97	1.640,03	2.650,00	305.185,31	74.785,31	94.814,69	169.600,00
65	305.185,31	1.004,57	1.645,43	2.650,00	303.539,88	75.789,88	96.460,12	172.250,00
66	303.539,88	999,15	1.650,85	2.650,00	301.889,03	76.789,03	98.110,97	174.900,00
67	301.889,03	993,72	1.656,28	2.650,00	300.232,75	77.782,75	99.767,25	177.550,00
68	300.232,75	988,27	1.661,73	2.650,00	298.571,01	78.771,01	101.428,99	180.200,00
69	298.571,01	982,80	1.667,20	2.650,00	296.903,81	79.753,81	103.096,19	182.850,00
70	296.903,81	977,31	1.672,69	2.650,00	295.231,12	80.731,12	104.768,88	185.500,00
71	295.231,12	971,80	1.678,20	2.650,00	293.552,92	81.702,92	106.447,08	188.150,00
72	293.552,92	966,28	1.683,72	2.650,00	291.869,20	82.669,20	108.130,80	190.800,00
73	291.869,20	960,74	1.689,26	2.650,00	290.179,94	83.629,94	109.820,06	193.450,00
74	290.179,94	955,18	1.694,82	2.650,00	288.485,11	84.585,11	111.514,89	196.100,00
75	288.485,11	949,60	1.700,40	2.650,00	286.784,71	85.534,71	113.215,29	198.750,00
76	286.784,71	944,00	1.706,00	2.650,00	285.078,71	86.478,71	114.921,29	201.400,00
77	285.078,71	938,38	1.711,62	2.650,00	283.367,09	87.417,09	116.632,91	204.050,00
78	283.367,09	932,75	1.717,25	2.650,00	281.649,84	88.349,84	118.350,16	206.700,00
79	281.649,84	927,10	1.722,90	2.650,00	279.926,94	89.276,94	120.073,06	209.350,00
80	279.926,94	921,43	1.728,57	2.650,00	278.198,36	90.198,36	121.801,64	212.000,00
81	278.198,36	915,74	1.734,26	2.650,00	276.464,10	91.114,10	123.535,90	214.650,00
82	276.464,10	910,03	1.739,97	2.650,00	274.724,13	92.024,13	125.275,87	217.300,00
83	274.724,13	904,30	1.745,70	2.650,00	272.978,43	92.928,43	127.021,57	219.950,00
84	272.978,43	898,55	1.751,45	2.650,00	271.226,98	93.826,98	128.773,02	222.600,00
85	271.226,98	892,79	1.757,21	2.650,00	269.469,77	94.719,77	130.530,23	225.250,00
86	269.469,77	887,00	1.763,00	2.650,00	267.706,78	95.606,78	132.293,22	227.900,00
87	267.706,78	881,20	1.768,80	2.650,00	265.937,98	96.487,98	134.062,02	230.550,00
88	265.937,98	875,38	1.774,62	2.650,00	264.163,36	97.363,36	135.836,64	233.200,00
89	264.163,36	869,54	1.780,46	2.650,00	262.382,90	98.232,90	137.617,10	235.850,00
90	262.382,90	863,68	1.786,32	2.650,00	260.596,57	99.096,57	139.403,43	238.500,00
91	260.596,57	857,80	1.792,20	2.650,00	258.804,37	99.954,37	141.195,63	241.150,00
92	258.804,37	851,90	1.798,10	2.650,00	257.006,27	100.806,27	142.993,73	243.800,00
93	257.006,27	845,98	1.804,02	2.650,00	255.202,25	101.652,25	144.797,75	246.450,00
94	255.202,25	840,04	1.809,96	2.650,00	253.392,29	102.492,29	146.607,71	249.100,00
95	253.392,29	834,08	1.815,92	2.650,00	251.576,37	103.326,37	148.423,63	251.750,00
96	251.576,37	828,11	1.821,89	2.650,00	249.754,48	104.154,48	150.245,52	254.400,00
97	249.754,48	822,11	1.827,89	2.650,00	247.926,58	104.976,58	152.073,42	257.050,00
98	247.926,58	816,09	1.833,91	2.650,00	246.092,68	105.792,68	153.907,32	259.700,00
99	246.092,68	810,06	1.839,94	2.650,00	244.252,73	106.602,73	155.747,27	262.350,00
100	244.252,73	804,00	1.846,00	2.650,00	242.406,73	107.406,73	157.593,27	265.000,00
101	242.406,73	797,92	1.852,08	2.650,00	240.554,65	108.204,65	159.445,35	267.650,00
102	240.554,65	791,83	1.858,17	2.650,00	238.696,48	108.996,48	161.303,52	270.300,00
103	238.696,48	785,71	1.864,29	2.650,00	236.832,19	109.782,19	163.167,81	272.950,00
104	236.832,19	779,57	1.870,43	2.650,00	234.961,76	110.561,76	165.038,24	275.600,00
105	234.961,76	773,42	1.876,58	2.650,00	233.085,17	111.335,17	166.914,83	278.250,00
106	233.085,17	767,24	1.882,76	2.650,00	231.202,41	112.102,41	168.797,59	280.900,00
107	231.202,41	761,04	1.888,96	2.650,00	229.313,45	112.863,45	170.686,55	283.550,00
108	229.313,45	754,82	1.895,18	2.650,00	227.418,28	113.618,28	172.581,72	286.200,00
109	227.418,28	748,59	1.901,41	2.650,00	225.516,86	114.366,86	174.483,14	288.850,00
110	225.516,86	742,33	1.907,67	2.650,00	223.609,19	115.109,19	176.390,81	291.500,00
111	223.609,19	736,05	1.913,95	2.650,00	221.695,24	115.845,24	178.304,76	294.150,00
112	221.695,24	729,75	1.920,25	2.650,00	219.774,98	116.574,98	180.225,02	296.800,00
113	219.774,98	723,43	1.926,57	2.650,00	217.848,41	117.298,41	182.151,59	299.450,00
114	217.848,41	717,08	1.932,92	2.650,00	215.915,49	118.015,49	184.084,51	302.100,00
115	215.915,49	710,72	1.939,28	2.650,00	213.976,22	118.726,22	186.023,78	304.750,00
116	213.976,22	704,34	1.945,66	2.650,00	212.030,55	119.430,55	187.969,45	307.400,00
117	212.030,55	697,93	1.952,07	2.650,00	210.078,49	120.128,49	189.921,51	310.050,00
118	210.078,49	691,51	1.958,49	2.650,00	208.120,00	120.820,00	191.880,00	312.700,00
119	208.120,00	685,06	1.964,94	2.650,00	206.155,06	121.505,06	193.844,94	315.350,00
120	206.155,06	678,59	1.971,41	2.650,00	204.183,65	122.183,65	195.816,35	318.000,00
121	204.183,65	672,10	1.977,90	2.650,00	202.205,76	122.855,76	197.794,24	320.650,00
122	202.205,76	665,59	1.984,41	2.650,00	200.221,35	123.521,35	199.778,65	323.300,00
123	200.221,35	659,06	1.990,94	2.650,00	198.230,41	124.180,41	201.769,59	325.950,00
124	198.230,41	652,51	1.997,49	2.650,00	196.232,92	124.832,92	203.767,08	328.600,00
125	196.232,92	645,93	2.004,07	2.650,00	194.228,85	125.478,85	205.771,15	331.250,00
126	194.228,85	639,34	2.010,66	2.650,00	192.218,19	126.118,19	207.781,81	333.900,00
127	192.218,19	632,72	2.017,28	2.650,00	190.200,91	126.750,91	209.799,09	336.550,00
128	190.200,91	626,08	2.023,92	2.650,00	188.176,99	127.376,99	211.823,01	339.200,00
129	188.176,99	619,42	2.030,58	2.650,00	186.146,40	127.996,40	213.853,60	341.850,00
130	186.146,40	612,73	2.037,27	2.650,00	184.109,13	128.609,13	215.890,87	344.500,00
131	184.109,13	606,03	2.043,97	2.650,00	182.065,16	129.215,16	217.934,84	347.150,00
132	182.065,16	599,30	2.050,70	2.650,00	180.014,46	129.814,46	219.985,54	349.800,00
133	180.014,46	592,55	2.057,45	2.650,00	177.957,01	130.407,01	222.042,99	352.450,00
134	177.957,01	585,78	2.064,22	2.650,00	175.892,78	130.992,78	224.107,22	355.100,00
135	175.892,78	578,98	2.071,02	2.650,00	173.821,76	131.571,76	226.178,24	357.750,00
136	173.821,76	572,16	2.077,84	2.650,00	171.743,92	132.143,92	228.256,08	360.400,00
137	171.743,92	565,32	2.084,68	2.650,00	169.659,25	132.709,25	230.340,75	363.050,00
138	169.659,25	558,46	2.091,54	2.650,00	167.567,71	133.267,71	232.432,29	365.700,00
139	167.567,71	551,58	2.098,42	2.650,00	165.469,29	133.819,29	234.530,71	368.350,00
140	165.469,29	544,67	2.105,33	2.650,00	163.363,96	134.363,96	236.636,04	371.000,00
141	163.363,96	537,74	2.112,26	2.650,00	161.251,70	134.901,70	238.748,30	373.650,00
142	161.251,70	530,79	2.119,21	2.650,00	159.132,48	135.432,48	240.867,52	376.300,00
143	159.132,48	523,81	2.126,19	2.650,00	157.006,29	135.956,29	242.993,71	378.950,00
144	157.006,29	516,81	2.133,19	2.650,00	154.873,11	136.473,11	245.126,89	381.600,00
145	154.873,11	509,79	2.140,21	2.650,00	152.732,90	136.982,90	247.267,10	384.250,00
146	152.732,90	502,75	2.147,25	2.650,00	150.585,64	137.485,64	249.414,36	386.900,00
147	150.585,64	495,68	2.154,32	2.650,00	148.431,32	137.981,32	251.568,68	389.550,00
148	148.431,32	488,59	2.161,41	2.650,00	146.269,91	138.469,91	253.730,09	392.200,00
149	146.269,91	481,47	2.168,53	2.650,00	144.101,38	138.951,38	255.898,62	394.850,00
150	144.101,38	474,33	2.175,67	2.650,00	141.925,71	139.425,71	258.074,29	397.500,00
151	141.925,71	467,17	2.182,83	2.650,00	139.742,88	139.892,88	260.257,12	400.150,00
152	139.742,88	459,99	2.190,01	2.650,00	137.552,87	140.352,87	262.447,13	402.800,00
153	137.552,87	452,78	2.197,22	2.650,00	135.355,65	140.805,65	264.644,35	405.450,00
154	135.355,65	445,55	2.204,45	2.650,00	133.151,20	141.251,20	266.848,80	408.100,00
155	133.151,20	438,29	2.211,71	2.650,00	130.939,48	141.689,48	269.060,52	410.750,00
156	130.939,48	431,01	2.218,99	2.650,00	128.720,49	142.120,49	271.279,51	413.400,00
157	128.720,49	423,70	2.226,30	2.650,00	126.494,20	142.544,20	273.505,80	416.050,00
158	126.494,20	416,38	2.233,62	2.650,00	124.260,58	142.960,58	275.739,42	418.700,00
159	124.260,58	409,02	2.240,98	2.650,00	122.019,60	143.369,60	277.980,40	421.350,00
160	122.019,60	401,65	2.248,35	2.650,00	119.771,25	143.771,25	280.228,75	424.000,00
161	119.771,25	394,25	2.255,75	2.650,00	117.515,49	144.165,49	282.484,51	426.650,00
162	117.515,49	386,82	2.263,18	2.650,00	115.252,32	144.552,32	284.747,68	429.300,00
163	115.252,32	379,37	2.270,63	2.650,00	112.981,69	144.931,69	287.018,31	431.950,00
164	112.981,69	371,90	2.278,10	2.650,00	110.703,59	145.303,59	289.296,41	434.600,00
165	110.703,59	364,40	2.285,60	2.650,00	108.417,99	145.667,99	291.582,01	437.250,00
166	108.417,99	356,88	2.293,12	2.650,00	106.124,86	146.024,86	293.875,14	439.900,00
167	106.124,86	349,33	2.300,67	2.650,00	103.824,19	146.374,19	296.175,81	442.550,00
168	103.824,19	341,75	2.308,25	2.650,00	101.515,94	146.715,94	298.484,06	445.200,00
169	101.515,94	334,16	2.315,84	2.650,00	99.200,10	147.050,10	300.799,90	447.850,00
170	99.200,10	326,53	2.323,47	2.650,00	96.876,63	147.376,63	303.123,37	450.500,00
171	96.876,63	318,89	2.331,11	2.650,00	94.545,52	147.695,52	305.454,48	453.150,00
172	94.545,52	311,21	2.338,79	2.650,00	92.206,73	148.006,73	307.793,27	455.800,00
173	92.206,73	303,51	2.346,49	2.650,00	89.860,25	148.310,25	310.139,75	458.450,00
174	89.860,25	295,79	2.354,21	2.650,00	87.506,04	148.606,04	312.493,96	461.100,00
175	87.506,04	288,04	2.361,96	2.650,00	85.144,08	148.894,08	314.855,92	463.750,00
176	85.144,08	280,27	2.369,73	2.650,00	82.774,34	149.174,34	317.225,66	466.400,00
177	82.774,34	272,47	2.377,53	2.650,00	80.396,81	149.446,81	319.603,19	469.050,00
178	80.396,81	264,64	2.385,36	2.650,00	78.011,45	149.711,45	321.988,55	471.700,00
179	78.011,45	256,79	2.393,21	2.650,00	75.618,24	149.968,24	324.381,76	474.350,00
180	75.618,24	248,91	2.401,09	2.650,00	73.217,15	150.217,15	326.782,85	477.000,00
181	73.217,15	241,01	2.408,99	2.650,00	70.808,15	150.458,15	329.191,85	479.650,00
182	70.808,15	233,08	2.416,92	2.650,00	68.391,23	150.691,23	331.608,77	482.300,00
183	68.391,23	225,12	2.424,88	2.650,00	65.966,35	150.916,35	334.033,65	484.950,00
184	65.966,35	217,14	2.432,86	2.650,00	63.533,49	151.133,49	336.466,51	487.600,00
185	63.533,49	209,13	2.440,87	2.650,00	61.092,62	151.342,62	338.907,38	490.250,00
186	61.092,62	201,10	2.448,90	2.650,00	58.643,72	151.543,72	341.356,28	492.900,00
187	58.643,72	193,04	2.456,96	2.650,00	56.186,75	151.736,75	343.813,25	495.550,00
188	56.186,75	184,95	2.465,05	2.650,00	53.721,70	151.921,70	346.278,30	498.200,00
189	53.721,70	176,83	2.473,17	2.650,00	51.248,53	152.098,53	348.751,47	500.850,00
190	51.248,53	168,69	2.481,31	2.650,00	48.767,23	152.267,23	351.232,77	503.500,00
191	48.767,23	160,53	2.489,47	2.650,00	46.277,75	152.427,75	353.722,25	506.150,00
192	46.277,75	152,33	2.497,67	2.650,00	43.780,08	152.580,08	356.219,92	508.800,00
193	43.780,08	144,11	2.505,89	2.650,00	41.274,19	152.724,19	358.725,81	511.450,00
194	41.274,19	135,86	2.514,14	2.650,00	38.760,05	152.860,05	361.239,95	514.100,00
195	38.760,05	127,59	2.522,41	2.650,00	36.237,64	152.987,64	363.762,36	516.750,00
196	36.237,64	119,28	2.530,72	2.650,00	33.706,92	153.106,92	366.293,08	519.400,00
197	33.706,92	110,95	2.539,05	2.650,00	31.167,87	153.217,87	368.832,13	522.050,00
198	31.167,87	102,59	2.547,41	2.650,00	28.620,47	153.320,47	371.379,53	524.700,00
199	28.620,47	94,21	2.555,79	2.650,00	26.064,68	153.414,68	373.935,32	527.350,00
200	26.064,68	85,80	2.564,20	2.650,00	23.500,47	153.500,47	376.499,53	530.000,00
201	23.500,47	77,36	2.572,64	2.650,00	20.927,83	153.577,83	379.072,17	532.650,00
202	20.927,83	68,89	2.581,11	2.650,00	18.346,72	153.646,72	381.653,28	535.300,00
203	18.346,72	60,39	2.589,61	2.650,00	15.757,11	153.707,11	384.242,89	537.950,00
204	15.757,11	51,87	2.598,13	2.650,00	13.158,98	153.758,98	386.841,02	540.600,00
205	13.158,98	43,31	2.606,69	2.650,00	10.552,29	153.802,29	389.447,71	543.250,00
206	10.552,29	34,73	2.615,27	2.650,00	7.937,02	153.837,02	392.062,98	545.900,00
207	7.937,02	26,13	2.623,87	2.650,00	5.313,15	153.863,15	394.686,85	548.550,00
208	5.313,15	17,49	2.632,51	2.650,00	2.680,64	153.880,64	397.319,36	551.200,00
209	2.680,64	8,82	2.641,18	2.650,00	39,46	153.889,46	399.960,54	553.850,00
210	39,46	0,13	39,46	39,46	39,46	153.889,59	400.000,00	553.889,59

Baufinanzierung

4.08/5,00

Testsieger

156.987,38€
Zinsanteil

2.683,33€
Monatsrate

4,05%
Sollzins p.a.

4,15%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 350.000,00 €;Kreditrate: 1.604,17 €;Gesamtbetrag: 192.500,00 €;Anzahl Kreditraten: 120;Laufzeit: 349 Monate;Effektiver Jahreszins: 3,57 %;Gebundener Sollzins: 3,50 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.350,00	1.333,33	2.683,33	398.666,67	1.350,00	1.333,33	2.683,33
2	398.666,67	1.345,50	1.337,83	2.683,33	397.328,83	2.695,50	2.671,17	5.366,67
3	397.328,83	1.340,98	1.342,35	2.683,33	395.986,48	4.036,48	4.013,52	8.050,00
4	395.986,48	1.336,45	1.346,88	2.683,33	394.639,61	5.372,94	5.360,39	10.733,33
5	394.639,61	1.331,91	1.351,42	2.683,33	393.288,18	6.704,85	6.711,82	13.416,67
6	393.288,18	1.327,35	1.355,99	2.683,33	391.932,20	8.032,20	8.067,80	16.100,00
7	391.932,20	1.322,77	1.360,56	2.683,33	390.571,63	9.354,97	9.428,37	18.783,33
8	390.571,63	1.318,18	1.365,15	2.683,33	389.206,48	10.673,15	10.793,52	21.466,67
9	389.206,48	1.313,57	1.369,76	2.683,33	387.836,72	11.986,72	12.163,28	24.150,00
10	387.836,72	1.308,95	1.374,38	2.683,33	386.462,33	13.295,67	13.537,67	26.833,33
11	386.462,33	1.304,31	1.379,02	2.683,33	385.083,31	14.599,98	14.916,69	29.516,67
12	385.083,31	1.299,66	1.383,68	2.683,33	383.699,63	15.899,63	16.300,37	32.200,00
13	383.699,63	1.294,99	1.388,35	2.683,33	382.311,29	17.194,62	17.688,71	34.883,33
14	382.311,29	1.290,30	1.393,03	2.683,33	380.918,25	18.484,92	19.081,75	37.566,67
15	380.918,25	1.285,60	1.397,73	2.683,33	379.520,52	19.770,52	20.479,48	40.250,00
16	379.520,52	1.280,88	1.402,45	2.683,33	378.118,07	21.051,40	21.881,93	42.933,33
17	378.118,07	1.276,15	1.407,18	2.683,33	376.710,88	22.327,55	23.289,12	45.616,67
18	376.710,88	1.271,40	1.411,93	2.683,33	375.298,95	23.598,95	24.701,05	48.300,00
19	375.298,95	1.266,63	1.416,70	2.683,33	373.882,25	24.865,58	26.117,75	50.983,33
20	373.882,25	1.261,85	1.421,48	2.683,33	372.460,77	26.127,44	27.539,23	53.666,67
21	372.460,77	1.257,06	1.426,28	2.683,33	371.034,49	27.384,49	28.965,51	56.350,00
22	371.034,49	1.252,24	1.431,09	2.683,33	369.603,40	28.636,73	30.396,60	59.033,33
23	369.603,40	1.247,41	1.435,92	2.683,33	368.167,48	29.884,14	31.832,52	61.716,67
24	368.167,48	1.242,57	1.440,77	2.683,33	366.726,71	31.126,71	33.273,29	64.400,00
25	366.726,71	1.237,70	1.445,63	2.683,33	365.281,08	32.364,41	34.718,92	67.083,33
26	365.281,08	1.232,82	1.450,51	2.683,33	363.830,57	33.597,23	36.169,43	69.766,67
27	363.830,57	1.227,93	1.455,41	2.683,33	362.375,16	34.825,16	37.624,84	72.450,00
28	362.375,16	1.223,02	1.460,32	2.683,33	360.914,85	36.048,18	39.085,15	75.133,33
29	360.914,85	1.218,09	1.465,25	2.683,33	359.449,60	37.266,27	40.550,40	77.816,67
30	359.449,60	1.213,14	1.470,19	2.683,33	357.979,41	38.479,41	42.020,59	80.500,00
31	357.979,41	1.208,18	1.475,15	2.683,33	356.504,26	39.687,59	43.495,74	83.183,33
32	356.504,26	1.203,20	1.480,13	2.683,33	355.024,12	40.890,79	44.975,88	85.866,67
33	355.024,12	1.198,21	1.485,13	2.683,33	353.539,00	42.089,00	46.461,00	88.550,00
34	353.539,00	1.193,19	1.490,14	2.683,33	352.048,86	43.282,19	47.951,14	91.233,33
35	352.048,86	1.188,16	1.495,17	2.683,33	350.553,69	44.470,36	49.446,31	93.916,67
36	350.553,69	1.183,12	1.500,21	2.683,33	349.053,48	45.653,48	50.946,52	96.600,00
37	349.053,48	1.178,06	1.505,28	2.683,33	347.548,20	46.831,53	52.451,80	99.283,33
38	347.548,20	1.172,98	1.510,36	2.683,33	346.037,84	48.004,51	53.962,16	101.966,67
39	346.037,84	1.167,88	1.515,46	2.683,33	344.522,38	49.172,38	55.477,62	104.650,00
40	344.522,38	1.162,76	1.520,57	2.683,33	343.001,81	50.335,15	56.998,19	107.333,33
41	343.001,81	1.157,63	1.525,70	2.683,33	341.476,11	51.492,78	58.523,89	110.016,67
42	341.476,11	1.152,48	1.530,85	2.683,33	339.945,26	52.645,26	60.054,74	112.700,00
43	339.945,26	1.147,32	1.536,02	2.683,33	338.409,24	53.792,58	61.590,76	115.383,33
44	338.409,24	1.142,13	1.541,20	2.683,33	336.868,04	54.934,71	63.131,96	118.066,67
45	336.868,04	1.136,93	1.546,40	2.683,33	335.321,64	56.071,64	64.678,36	120.750,00
46	335.321,64	1.131,71	1.551,62	2.683,33	333.770,01	57.203,35	66.229,99	123.433,33
47	333.770,01	1.126,47	1.556,86	2.683,33	332.213,15	58.329,82	67.786,85	126.116,67
48	332.213,15	1.121,22	1.562,11	2.683,33	330.651,04	59.451,04	69.348,96	128.800,00
49	330.651,04	1.115,95	1.567,39	2.683,33	329.083,65	60.566,99	70.916,35	131.483,33
50	329.083,65	1.110,66	1.572,68	2.683,33	327.510,98	61.677,64	72.489,02	134.166,67
51	327.510,98	1.105,35	1.577,98	2.683,33	325.932,99	62.782,99	74.067,01	136.850,00
52	325.932,99	1.100,02	1.583,31	2.683,33	324.349,68	63.883,02	75.650,32	139.533,33
53	324.349,68	1.094,68	1.588,65	2.683,33	322.761,03	64.977,70	77.238,97	142.216,67
54	322.761,03	1.089,32	1.594,01	2.683,33	321.167,02	66.067,02	78.832,98	144.900,00
55	321.167,02	1.083,94	1.599,39	2.683,33	319.567,62	67.150,96	80.432,38	147.583,33
56	319.567,62	1.078,54	1.604,79	2.683,33	317.962,83	68.229,50	82.037,17	150.266,67
57	317.962,83	1.073,12	1.610,21	2.683,33	316.352,62	69.302,62	83.647,38	152.950,00
58	316.352,62	1.067,69	1.615,64	2.683,33	314.736,98	70.370,31	85.263,02	155.633,33
59	314.736,98	1.062,24	1.621,10	2.683,33	313.115,88	71.432,55	86.884,12	158.316,67
60	313.115,88	1.056,77	1.626,57	2.683,33	311.489,31	72.489,31	88.510,69	161.000,00
61	311.489,31	1.051,28	1.632,06	2.683,33	309.857,26	73.540,59	90.142,74	163.683,33
62	309.857,26	1.045,77	1.637,57	2.683,33	308.219,69	74.586,36	91.780,31	166.366,67
63	308.219,69	1.040,24	1.643,09	2.683,33	306.576,60	75.626,60	93.423,40	169.050,00
64	306.576,60	1.034,70	1.648,64	2.683,33	304.927,96	76.661,30	95.072,04	171.733,33
65	304.927,96	1.029,13	1.654,20	2.683,33	303.273,76	77.690,43	96.726,24	174.416,67
66	303.273,76	1.023,55	1.659,78	2.683,33	301.613,98	78.713,98	98.386,02	177.100,00
67	301.613,98	1.017,95	1.665,39	2.683,33	299.948,59	79.731,92	100.051,41	179.783,33
68	299.948,59	1.012,33	1.671,01	2.683,33	298.277,58	80.744,25	101.722,42	182.466,67
69	298.277,58	1.006,69	1.676,65	2.683,33	296.600,94	81.750,94	103.399,06	185.150,00
70	296.600,94	1.001,03	1.682,31	2.683,33	294.918,63	82.751,97	105.081,37	187.833,33
71	294.918,63	995,35	1.687,98	2.683,33	293.230,65	83.747,32	106.769,35	190.516,67
72	293.230,65	989,65	1.693,68	2.683,33	291.536,97	84.736,97	108.463,03	193.200,00
73	291.536,97	983,94	1.699,40	2.683,33	289.837,57	85.720,91	110.162,43	195.883,33
74	289.837,57	978,20	1.705,13	2.683,33	288.132,44	86.699,11	111.867,56	198.566,67
75	288.132,44	972,45	1.710,89	2.683,33	286.421,56	87.671,56	113.578,44	201.250,00
76	286.421,56	966,67	1.716,66	2.683,33	284.704,89	88.638,23	115.295,11	203.933,33
77	284.704,89	960,88	1.722,45	2.683,33	282.982,44	89.599,11	117.017,56	206.616,67
78	282.982,44	955,07	1.728,27	2.683,33	281.254,17	90.554,17	118.745,83	209.300,00
79	281.254,17	949,23	1.734,10	2.683,33	279.520,07	91.503,41	120.479,93	211.983,33
80	279.520,07	943,38	1.739,95	2.683,33	277.780,12	92.446,79	122.219,88	214.666,67
81	277.780,12	937,51	1.745,83	2.683,33	276.034,29	93.384,29	123.965,71	217.350,00
82	276.034,29	931,62	1.751,72	2.683,33	274.282,58	94.315,91	125.717,42	220.033,33
83	274.282,58	925,70	1.757,63	2.683,33	272.524,95	95.241,61	127.475,05	222.716,67
84	272.524,95	919,77	1.763,56	2.683,33	270.761,38	96.161,38	129.238,62	225.400,00
85	270.761,38	913,82	1.769,51	2.683,33	268.991,87	97.075,20	131.008,13	228.083,33
86	268.991,87	907,85	1.775,49	2.683,33	267.216,39	97.983,05	132.783,61	230.766,67
87	267.216,39	901,86	1.781,48	2.683,33	265.434,91	98.884,91	134.565,09	233.450,00
88	265.434,91	895,84	1.787,49	2.683,33	263.647,42	99.780,75	136.352,58	236.133,33
89	263.647,42	889,81	1.793,52	2.683,33	261.853,89	100.670,56	138.146,11	238.816,67
90	261.853,89	883,76	1.799,58	2.683,33	260.054,32	101.554,32	139.945,68	241.500,00
91	260.054,32	877,68	1.805,65	2.683,33	258.248,67	102.432,00	141.751,33	244.183,33
92	258.248,67	871,59	1.811,74	2.683,33	256.436,92	103.303,59	143.563,08	246.866,67
93	256.436,92	865,47	1.817,86	2.683,33	254.619,06	104.169,06	145.380,94	249.550,00
94	254.619,06	859,34	1.823,99	2.683,33	252.795,07	105.028,40	147.204,93	252.233,33
95	252.795,07	853,18	1.830,15	2.683,33	250.964,92	105.881,59	149.035,08	254.916,67
96	250.964,92	847,01	1.836,33	2.683,33	249.128,59	106.728,59	150.871,41	257.600,00
97	249.128,59	840,81	1.842,52	2.683,33	247.286,07	107.569,40	152.713,93	260.283,33
98	247.286,07	834,59	1.848,74	2.683,33	245.437,33	108.403,99	154.562,67	262.966,67
99	245.437,33	828,35	1.854,98	2.683,33	243.582,34	109.232,34	156.417,66	265.650,00
100	243.582,34	822,09	1.861,24	2.683,33	241.721,10	110.054,43	158.278,90	268.333,33
101	241.721,10	815,81	1.867,52	2.683,33	239.853,58	110.870,24	160.146,42	271.016,67
102	239.853,58	809,51	1.873,83	2.683,33	237.979,75	111.679,75	162.020,25	273.700,00
103	237.979,75	803,18	1.880,15	2.683,33	236.099,60	112.482,93	163.900,40	276.383,33
104	236.099,60	796,84	1.886,50	2.683,33	234.213,10	113.279,77	165.786,90	279.066,67
105	234.213,10	790,47	1.892,86	2.683,33	232.320,24	114.070,24	167.679,76	281.750,00
106	232.320,24	784,08	1.899,25	2.683,33	230.420,98	114.854,32	169.579,02	284.433,33
107	230.420,98	777,67	1.905,66	2.683,33	228.515,32	115.631,99	171.484,68	287.116,67
108	228.515,32	771,24	1.912,09	2.683,33	226.603,23	116.403,23	173.396,77	289.800,00
109	226.603,23	764,79	1.918,55	2.683,33	224.684,68	117.168,01	175.315,32	292.483,33
110	224.684,68	758,31	1.925,02	2.683,33	222.759,66	117.926,32	177.240,34	295.166,67
111	222.759,66	751,81	1.931,52	2.683,33	220.828,14	118.678,14	179.171,86	297.850,00
112	220.828,14	745,29	1.938,04	2.683,33	218.890,10	119.423,43	181.109,90	300.533,33
113	218.890,10	738,75	1.944,58	2.683,33	216.945,52	120.162,19	183.054,48	303.216,67
114	216.945,52	732,19	1.951,14	2.683,33	214.994,38	120.894,38	185.005,62	305.900,00
115	214.994,38	725,61	1.957,73	2.683,33	213.036,65	121.619,98	186.963,35	308.583,33
116	213.036,65	719,00	1.964,33	2.683,33	211.072,32	122.338,98	188.927,68	311.266,67
117	211.072,32	712,37	1.970,96	2.683,33	209.101,35	123.051,35	190.898,65	313.950,00
118	209.101,35	705,72	1.977,62	2.683,33	207.123,74	123.757,07	192.876,26	316.633,33
119	207.123,74	699,04	1.984,29	2.683,33	205.139,44	124.456,11	194.860,56	319.316,67
120	205.139,44	692,35	1.990,99	2.683,33	203.148,46	125.148,46	196.851,54	322.000,00
121	203.148,46	685,63	1.997,71	2.683,33	201.150,75	125.834,08	198.849,25	324.683,33
122	201.150,75	678,88	2.004,45	2.683,33	199.146,30	126.512,97	200.853,70	327.366,67
123	199.146,30	672,12	2.011,21	2.683,33	197.135,09	127.185,09	202.864,91	330.050,00
124	197.135,09	665,33	2.018,00	2.683,33	195.117,08	127.850,42	204.882,92	332.733,33
125	195.117,08	658,52	2.024,81	2.683,33	193.092,27	128.508,94	206.907,73	335.416,67
126	193.092,27	651,69	2.031,65	2.683,33	191.060,62	129.160,62	208.939,38	338.100,00
127	191.060,62	644,83	2.038,50	2.683,33	189.022,12	129.805,45	210.977,88	340.783,33
128	189.022,12	637,95	2.045,38	2.683,33	186.976,74	130.443,40	213.023,26	343.466,67
129	186.976,74	631,05	2.052,29	2.683,33	184.924,45	131.074,45	215.075,55	346.150,00
130	184.924,45	624,12	2.059,21	2.683,33	182.865,24	131.698,57	217.134,76	348.833,33
131	182.865,24	617,17	2.066,16	2.683,33	180.799,07	132.315,74	219.200,93	351.516,67
132	180.799,07	610,20	2.073,14	2.683,33	178.725,94	132.925,94	221.274,06	354.200,00
133	178.725,94	603,20	2.080,13	2.683,33	176.645,80	133.529,14	223.354,20	356.883,33
134	176.645,80	596,18	2.087,15	2.683,33	174.558,65	134.125,32	225.441,35	359.566,67
135	174.558,65	589,14	2.094,20	2.683,33	172.464,45	134.714,45	227.535,55	362.250,00
136	172.464,45	582,07	2.101,27	2.683,33	170.363,18	135.296,52	229.636,82	364.933,33
137	170.363,18	574,98	2.108,36	2.683,33	168.254,83	135.871,49	231.745,17	367.616,67
138	168.254,83	567,86	2.115,47	2.683,33	166.139,35	136.439,35	233.860,65	370.300,00
139	166.139,35	560,72	2.122,61	2.683,33	164.016,74	137.000,07	235.983,26	372.983,33
140	164.016,74	553,56	2.129,78	2.683,33	161.886,96	137.553,63	238.113,04	375.666,67
141	161.886,96	546,37	2.136,96	2.683,33	159.750,00	138.100,00	240.250,00	378.350,00
142	159.750,00	539,16	2.144,18	2.683,33	157.605,82	138.639,16	242.394,18	381.033,33
143	157.605,82	531,92	2.151,41	2.683,33	155.454,41	139.171,08	244.545,59	383.716,67
144	155.454,41	524,66	2.158,67	2.683,33	153.295,73	139.695,73	246.704,27	386.400,00
145	153.295,73	517,37	2.165,96	2.683,33	151.129,77	140.213,11	248.870,23	389.083,33
146	151.129,77	510,06	2.173,27	2.683,33	148.956,50	140.723,17	251.043,50	391.766,67
147	148.956,50	502,73	2.180,61	2.683,33	146.775,90	141.225,90	253.224,10	394.450,00
148	146.775,90	495,37	2.187,96	2.683,33	144.587,93	141.721,27	255.412,07	397.133,33
149	144.587,93	487,98	2.195,35	2.683,33	142.392,58	142.209,25	257.607,42	399.816,67
150	142.392,58	480,57	2.202,76	2.683,33	140.189,83	142.689,83	259.810,17	402.500,00
151	140.189,83	473,14	2.210,19	2.683,33	137.979,63	143.162,97	262.020,37	405.183,33
152	137.979,63	465,68	2.217,65	2.683,33	135.761,98	143.628,65	264.238,02	407.866,67
153	135.761,98	458,20	2.225,14	2.683,33	133.536,84	144.086,84	266.463,16	410.550,00
154	133.536,84	450,69	2.232,65	2.683,33	131.304,20	144.537,53	268.695,80	413.233,33
155	131.304,20	443,15	2.240,18	2.683,33	129.064,02	144.980,68	270.935,98	415.916,67
156	129.064,02	435,59	2.247,74	2.683,33	126.816,27	145.416,27	273.183,73	418.600,00
157	126.816,27	428,00	2.255,33	2.683,33	124.560,95	145.844,28	275.439,05	421.283,33
158	124.560,95	420,39	2.262,94	2.683,33	122.298,01	146.264,67	277.701,99	423.966,67
159	122.298,01	412,76	2.270,58	2.683,33	120.027,43	146.677,43	279.972,57	426.650,00
160	120.027,43	405,09	2.278,24	2.683,33	117.749,19	147.082,52	282.250,81	429.333,33
161	117.749,19	397,40	2.285,93	2.683,33	115.463,26	147.479,92	284.536,74	432.016,67
162	115.463,26	389,69	2.293,64	2.683,33	113.169,61	147.869,61	286.830,39	434.700,00
163	113.169,61	381,95	2.301,39	2.683,33	110.868,23	148.251,56	289.131,77	437.383,33
164	110.868,23	374,18	2.309,15	2.683,33	108.559,07	148.625,74	291.440,93	440.066,67
165	108.559,07	366,39	2.316,95	2.683,33	106.242,13	148.992,13	293.757,87	442.750,00
166	106.242,13	358,57	2.324,77	2.683,33	103.917,36	149.350,69	296.082,64	445.433,33
167	103.917,36	350,72	2.332,61	2.683,33	101.584,75	149.701,42	298.415,25	448.116,67
168	101.584,75	342,85	2.340,48	2.683,33	99.244,26	150.044,26	300.755,74	450.800,00
169	99.244,26	334,95	2.348,38	2.683,33	96.895,88	150.379,21	303.104,12	453.483,33
170	96.895,88	327,02	2.356,31	2.683,33	94.539,57	150.706,24	305.460,43	456.166,67
171	94.539,57	319,07	2.364,26	2.683,33	92.175,31	151.025,31	307.824,69	458.850,00
172	92.175,31	311,09	2.372,24	2.683,33	89.803,07	151.336,40	310.196,93	461.533,33
173	89.803,07	303,09	2.380,25	2.683,33	87.422,82	151.639,49	312.577,18	464.216,67
174	87.422,82	295,05	2.388,28	2.683,33	85.034,54	151.934,54	314.965,46	466.900,00
175	85.034,54	286,99	2.396,34	2.683,33	82.638,20	152.221,53	317.361,80	469.583,33
176	82.638,20	278,90	2.404,43	2.683,33	80.233,77	152.500,43	319.766,23	472.266,67
177	80.233,77	270,79	2.412,54	2.683,33	77.821,22	152.771,22	322.178,78	474.950,00
178	77.821,22	262,65	2.420,69	2.683,33	75.400,53	153.033,87	324.599,47	477.633,33
179	75.400,53	254,48	2.428,86	2.683,33	72.971,68	153.288,35	327.028,32	480.316,67
180	72.971,68	246,28	2.437,05	2.683,33	70.534,62	153.534,62	329.465,38	483.000,00
181	70.534,62	238,05	2.445,28	2.683,33	68.089,35	153.772,68	331.910,65	485.683,33
182	68.089,35	229,80	2.453,53	2.683,33	65.635,81	154.002,48	334.364,19	488.366,67
183	65.635,81	221,52	2.461,81	2.683,33	63.174,00	154.224,00	336.826,00	491.050,00
184	63.174,00	213,21	2.470,12	2.683,33	60.703,88	154.437,21	339.296,12	493.733,33
185	60.703,88	204,88	2.478,46	2.683,33	58.225,42	154.642,09	341.774,58	496.416,67
186	58.225,42	196,51	2.486,82	2.683,33	55.738,60	154.838,60	344.261,40	499.100,00
187	55.738,60	188,12	2.495,22	2.683,33	53.243,38	155.026,72	346.756,62	501.783,33
188	53.243,38	179,70	2.503,64	2.683,33	50.739,75	155.206,41	349.260,25	504.466,67
189	50.739,75	171,25	2.512,09	2.683,33	48.227,66	155.377,66	351.772,34	507.150,00
190	48.227,66	162,77	2.520,56	2.683,33	45.707,10	155.540,43	354.292,90	509.833,33
191	45.707,10	154,26	2.529,07	2.683,33	43.178,02	155.694,69	356.821,98	512.516,67
192	43.178,02	145,73	2.537,61	2.683,33	40.640,42	155.840,42	359.359,58	515.200,00
193	40.640,42	137,16	2.546,17	2.683,33	38.094,24	155.977,58	361.905,76	517.883,33
194	38.094,24	128,57	2.554,77	2.683,33	35.539,48	156.106,15	364.460,52	520.566,67
195	35.539,48	119,95	2.563,39	2.683,33	32.976,09	156.226,09	367.023,91	523.250,00
196	32.976,09	111,29	2.572,04	2.683,33	30.404,05	156.337,39	369.595,95	525.933,33
197	30.404,05	102,61	2.580,72	2.683,33	27.823,33	156.440,00	372.176,67	528.616,67
198	27.823,33	93,90	2.589,43	2.683,33	25.233,90	156.533,90	374.766,10	531.300,00
199	25.233,90	85,16	2.598,17	2.683,33	22.635,73	156.619,07	377.364,27	533.983,33
200	22.635,73	76,40	2.606,94	2.683,33	20.028,80	156.695,46	379.971,20	536.666,67
201	20.028,80	67,60	2.615,74	2.683,33	17.413,06	156.763,06	382.586,94	539.350,00
202	17.413,06	58,77	2.624,56	2.683,33	14.788,50	156.821,83	385.211,50	542.033,33
203	14.788,50	49,91	2.633,42	2.683,33	12.155,07	156.871,74	387.844,93	544.716,67
204	12.155,07	41,02	2.642,31	2.683,33	9.512,76	156.912,76	390.487,24	547.400,00
205	9.512,76	32,11	2.651,23	2.683,33	6.861,54	156.944,87	393.138,46	550.083,33
206	6.861,54	23,16	2.660,18	2.683,33	4.201,36	156.968,03	395.798,64	552.766,67
207	4.201,36	14,18	2.669,15	2.683,33	1.532,21	156.982,21	398.467,79	555.450,00
208	1.532,21	5,17	1.532,21	1.532,21	1.532,21	156.987,38	400.000,00	556.987,38

Baufinanzierung

3.88/5,00

157.603,18€
Zinsanteil

2.690,00€
Monatsrate

4,07%
Sollzins p.a.

4,15%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 1.535,00 €;Gesamtbetrag: 184.200,00 €;Anzahl Kreditraten: 120;Laufzeit: 326 Monate;Effektiver Jahreszins: 4,24 %;Gebundener Sollzins: 4,14 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.356,67	1.333,33	2.690,00	398.666,67	1.356,67	1.333,33	2.690,00
2	398.666,67	1.352,14	1.337,86	2.690,00	397.328,81	2.708,81	2.671,19	5.380,00
3	397.328,81	1.347,61	1.342,39	2.690,00	395.986,42	4.056,42	4.013,58	8.070,00
4	395.986,42	1.343,05	1.346,95	2.690,00	394.639,47	5.399,47	5.360,53	10.760,00
5	394.639,47	1.338,49	1.351,51	2.690,00	393.287,96	6.737,96	6.712,04	13.450,00
6	393.287,96	1.333,90	1.356,10	2.690,00	391.931,86	8.071,86	8.068,14	16.140,00
7	391.931,86	1.329,30	1.360,70	2.690,00	390.571,16	9.401,16	9.428,84	18.830,00
8	390.571,16	1.324,69	1.365,31	2.690,00	389.205,85	10.725,85	10.794,15	21.520,00
9	389.205,85	1.320,06	1.369,94	2.690,00	387.835,91	12.045,91	12.164,09	24.210,00
10	387.835,91	1.315,41	1.374,59	2.690,00	386.461,32	13.361,32	13.538,68	26.900,00
11	386.461,32	1.310,75	1.379,25	2.690,00	385.082,06	14.672,06	14.917,94	29.590,00
12	385.082,06	1.306,07	1.383,93	2.690,00	383.698,13	15.978,13	16.301,87	32.280,00
13	383.698,13	1.301,38	1.388,62	2.690,00	382.309,51	17.279,51	17.690,49	34.970,00
14	382.309,51	1.296,67	1.393,33	2.690,00	380.916,18	18.576,18	19.083,82	37.660,00
15	380.916,18	1.291,94	1.398,06	2.690,00	379.518,12	19.868,12	20.481,88	40.350,00
16	379.518,12	1.287,20	1.402,80	2.690,00	378.115,32	21.155,32	21.884,68	43.040,00
17	378.115,32	1.282,44	1.407,56	2.690,00	376.707,76	22.437,76	23.292,24	45.730,00
18	376.707,76	1.277,67	1.412,33	2.690,00	375.295,42	23.715,42	24.704,58	48.420,00
19	375.295,42	1.272,88	1.417,12	2.690,00	373.878,30	24.988,30	26.121,70	51.110,00
20	373.878,30	1.268,07	1.421,93	2.690,00	372.456,37	26.256,37	27.543,63	53.800,00
21	372.456,37	1.263,25	1.426,75	2.690,00	371.029,62	27.519,62	28.970,38	56.490,00
22	371.029,62	1.258,41	1.431,59	2.690,00	369.598,03	28.778,03	30.401,97	59.180,00
23	369.598,03	1.253,55	1.436,45	2.690,00	368.161,58	30.031,58	31.838,42	61.870,00
24	368.161,58	1.248,68	1.441,32	2.690,00	366.720,26	31.280,26	33.279,74	64.560,00
25	366.720,26	1.243,79	1.446,21	2.690,00	365.274,06	32.524,06	34.725,94	67.250,00
26	365.274,06	1.238,89	1.451,11	2.690,00	363.822,94	33.762,94	36.177,06	69.940,00
27	363.822,94	1.233,97	1.456,03	2.690,00	362.366,91	34.996,91	37.633,09	72.630,00
28	362.366,91	1.229,03	1.460,97	2.690,00	360.905,94	36.225,94	39.094,06	75.320,00
29	360.905,94	1.224,07	1.465,93	2.690,00	359.440,01	37.450,01	40.559,99	78.010,00
30	359.440,01	1.219,10	1.470,90	2.690,00	357.969,11	38.669,11	42.030,89	80.700,00
31	357.969,11	1.214,11	1.475,89	2.690,00	356.493,22	39.883,22	43.506,78	83.390,00
32	356.493,22	1.209,11	1.480,89	2.690,00	355.012,33	41.092,33	44.987,67	86.080,00
33	355.012,33	1.204,08	1.485,92	2.690,00	353.526,41	42.296,41	46.473,59	88.770,00
34	353.526,41	1.199,04	1.490,96	2.690,00	352.035,46	43.495,46	47.964,54	91.460,00
35	352.035,46	1.193,99	1.496,01	2.690,00	350.539,44	44.689,44	49.460,56	94.150,00
36	350.539,44	1.188,91	1.501,09	2.690,00	349.038,36	45.878,36	50.961,64	96.840,00
37	349.038,36	1.183,82	1.506,18	2.690,00	347.532,18	47.062,18	52.467,82	99.530,00
38	347.532,18	1.178,71	1.511,29	2.690,00	346.020,89	48.240,89	53.979,11	102.220,00
39	346.020,89	1.173,59	1.516,41	2.690,00	344.504,48	49.414,48	55.495,52	104.910,00
40	344.504,48	1.168,44	1.521,56	2.690,00	342.982,92	50.582,92	57.017,08	107.600,00
41	342.982,92	1.163,28	1.526,72	2.690,00	341.456,21	51.746,21	58.543,79	110.290,00
42	341.456,21	1.158,11	1.531,89	2.690,00	339.924,31	52.904,31	60.075,69	112.980,00
43	339.924,31	1.152,91	1.537,09	2.690,00	338.387,22	54.057,22	61.612,78	115.670,00
44	338.387,22	1.147,70	1.542,30	2.690,00	336.844,92	55.204,92	63.155,08	118.360,00
45	336.844,92	1.142,47	1.547,53	2.690,00	335.297,38	56.347,38	64.702,62	121.050,00
46	335.297,38	1.137,22	1.552,78	2.690,00	333.744,60	57.484,60	66.255,40	123.740,00
47	333.744,60	1.131,95	1.558,05	2.690,00	332.186,55	58.616,55	67.813,45	126.430,00
48	332.186,55	1.126,67	1.563,33	2.690,00	330.623,22	59.743,22	69.376,78	129.120,00
49	330.623,22	1.121,36	1.568,64	2.690,00	329.054,58	60.864,58	70.945,42	131.810,00
50	329.054,58	1.116,04	1.573,96	2.690,00	327.480,62	61.980,62	72.519,38	134.500,00
51	327.480,62	1.110,71	1.579,29	2.690,00	325.901,33	63.091,33	74.098,67	137.190,00
52	325.901,33	1.105,35	1.584,65	2.690,00	324.316,68	64.196,68	75.683,32	139.880,00
53	324.316,68	1.099,97	1.590,03	2.690,00	322.726,65	65.296,65	77.273,35	142.570,00
54	322.726,65	1.094,58	1.595,42	2.690,00	321.131,23	66.391,23	78.868,77	145.260,00
55	321.131,23	1.089,17	1.600,83	2.690,00	319.530,40	67.480,40	80.469,60	147.950,00
56	319.530,40	1.083,74	1.606,26	2.690,00	317.924,14	68.564,14	82.075,86	150.640,00
57	317.924,14	1.078,29	1.611,71	2.690,00	316.312,44	69.642,44	83.687,56	153.330,00
58	316.312,44	1.072,83	1.617,17	2.690,00	314.695,26	70.715,26	85.304,74	156.020,00
59	314.695,26	1.067,34	1.622,66	2.690,00	313.072,61	71.782,61	86.927,39	158.710,00
60	313.072,61	1.061,84	1.628,16	2.690,00	311.444,44	72.844,44	88.555,56	161.400,00
61	311.444,44	1.056,32	1.633,68	2.690,00	309.810,76	73.900,76	90.189,24	164.090,00
62	309.810,76	1.050,77	1.639,23	2.690,00	308.171,53	74.951,53	91.828,47	166.780,00
63	308.171,53	1.045,22	1.644,78	2.690,00	306.526,75	75.996,75	93.473,25	169.470,00
64	306.526,75	1.039,64	1.650,36	2.690,00	304.876,39	77.036,39	95.123,61	172.160,00
65	304.876,39	1.034,04	1.655,96	2.690,00	303.220,42	78.070,42	96.779,58	174.850,00
66	303.220,42	1.028,42	1.661,58	2.690,00	301.558,85	79.098,85	98.441,15	177.540,00
67	301.558,85	1.022,79	1.667,21	2.690,00	299.891,63	80.121,63	100.108,37	180.230,00
68	299.891,63	1.017,13	1.672,87	2.690,00	298.218,77	81.138,77	101.781,23	182.920,00
69	298.218,77	1.011,46	1.678,54	2.690,00	296.540,23	82.150,23	103.459,77	185.610,00
70	296.540,23	1.005,77	1.684,23	2.690,00	294.855,99	83.155,99	105.144,01	188.300,00
71	294.855,99	1.000,05	1.689,95	2.690,00	293.166,04	84.156,04	106.833,96	190.990,00
72	293.166,04	994,32	1.695,68	2.690,00	291.470,37	85.150,37	108.529,63	193.680,00
73	291.470,37	988,57	1.701,43	2.690,00	289.768,94	86.138,94	110.231,06	196.370,00
74	289.768,94	982,80	1.707,20	2.690,00	288.061,74	87.121,74	111.938,26	199.060,00
75	288.061,74	977,01	1.712,99	2.690,00	286.348,74	88.098,74	113.651,26	201.750,00
76	286.348,74	971,20	1.718,80	2.690,00	284.629,94	89.069,94	115.370,06	204.440,00
77	284.629,94	965,37	1.724,63	2.690,00	282.905,31	90.035,31	117.094,69	207.130,00
78	282.905,31	959,52	1.730,48	2.690,00	281.174,83	90.994,83	118.825,17	209.820,00
79	281.174,83	953,65	1.736,35	2.690,00	279.438,49	91.948,49	120.561,51	212.510,00
80	279.438,49	947,76	1.742,24	2.690,00	277.696,25	92.896,25	122.303,75	215.200,00
81	277.696,25	941,85	1.748,15	2.690,00	275.948,10	93.838,10	124.051,90	217.890,00
82	275.948,10	935,92	1.754,08	2.690,00	274.194,03	94.774,03	125.805,97	220.580,00
83	274.194,03	929,97	1.760,03	2.690,00	272.434,00	95.704,00	127.566,00	223.270,00
84	272.434,00	924,01	1.765,99	2.690,00	270.668,01	96.628,01	129.331,99	225.960,00
85	270.668,01	918,02	1.771,98	2.690,00	268.896,02	97.546,02	131.103,98	228.650,00
86	268.896,02	912,01	1.777,99	2.690,00	267.118,03	98.458,03	132.881,97	231.340,00
87	267.118,03	905,98	1.784,02	2.690,00	265.334,00	99.364,00	134.666,00	234.030,00
88	265.334,00	899,92	1.790,08	2.690,00	263.543,93	100.263,93	136.456,07	236.720,00
89	263.543,93	893,85	1.796,15	2.690,00	261.747,78	101.157,78	138.252,22	239.410,00
90	261.747,78	887,76	1.802,24	2.690,00	259.945,54	102.045,54	140.054,46	242.100,00
91	259.945,54	881,65	1.808,35	2.690,00	258.137,19	102.927,19	141.862,81	244.790,00
92	258.137,19	875,52	1.814,48	2.690,00	256.322,70	103.802,70	143.677,30	247.480,00
93	256.322,70	869,36	1.820,64	2.690,00	254.502,07	104.672,07	145.497,93	250.170,00
94	254.502,07	863,19	1.826,81	2.690,00	252.675,25	105.535,25	147.324,75	252.860,00
95	252.675,25	856,99	1.833,01	2.690,00	250.842,24	106.392,24	149.157,76	255.550,00
96	250.842,24	850,77	1.839,23	2.690,00	249.003,02	107.243,02	150.996,98	258.240,00
97	249.003,02	844,54	1.845,46	2.690,00	247.157,55	108.087,55	152.842,45	260.930,00
98	247.157,55	838,28	1.851,72	2.690,00	245.305,83	108.925,83	154.694,17	263.620,00
99	245.305,83	832,00	1.858,00	2.690,00	243.447,82	109.757,82	156.552,18	266.310,00
100	243.447,82	825,69	1.864,31	2.690,00	241.583,52	110.583,52	158.416,48	269.000,00
101	241.583,52	819,37	1.870,63	2.690,00	239.712,89	111.402,89	160.287,11	271.690,00
102	239.712,89	813,03	1.876,97	2.690,00	237.835,91	112.215,91	162.164,09	274.380,00
103	237.835,91	806,66	1.883,34	2.690,00	235.952,57	113.022,57	164.047,43	277.070,00
104	235.952,57	800,27	1.889,73	2.690,00	234.062,85	113.822,85	165.937,15	279.760,00
105	234.062,85	793,86	1.896,14	2.690,00	232.166,71	114.616,71	167.833,29	282.450,00
106	232.166,71	787,43	1.902,57	2.690,00	230.264,14	115.404,14	169.735,86	285.140,00
107	230.264,14	780,98	1.909,02	2.690,00	228.355,12	116.185,12	171.644,88	287.830,00
108	228.355,12	774,50	1.915,50	2.690,00	226.439,62	116.959,62	173.560,38	290.520,00
109	226.439,62	768,01	1.921,99	2.690,00	224.517,63	117.727,63	175.482,37	293.210,00
110	224.517,63	761,49	1.928,51	2.690,00	222.589,12	118.489,12	177.410,88	295.900,00
111	222.589,12	754,95	1.935,05	2.690,00	220.654,07	119.244,07	179.345,93	298.590,00
112	220.654,07	748,39	1.941,61	2.690,00	218.712,45	119.992,45	181.287,55	301.280,00
113	218.712,45	741,80	1.948,20	2.690,00	216.764,25	120.734,25	183.235,75	303.970,00
114	216.764,25	735,19	1.954,81	2.690,00	214.809,45	121.469,45	185.190,55	306.660,00
115	214.809,45	728,56	1.961,44	2.690,00	212.848,01	122.198,01	187.151,99	309.350,00
116	212.848,01	721,91	1.968,09	2.690,00	210.879,92	122.919,92	189.120,08	312.040,00
117	210.879,92	715,23	1.974,77	2.690,00	208.905,15	123.635,15	191.094,85	314.730,00
118	208.905,15	708,54	1.981,46	2.690,00	206.923,69	124.343,69	193.076,31	317.420,00
119	206.923,69	701,82	1.988,18	2.690,00	204.935,51	125.045,51	195.064,49	320.110,00
120	204.935,51	695,07	1.994,93	2.690,00	202.940,58	125.740,58	197.059,42	322.800,00
121	202.940,58	688,31	2.001,69	2.690,00	200.938,89	126.428,89	199.061,11	325.490,00
122	200.938,89	681,52	2.008,48	2.690,00	198.930,40	127.110,40	201.069,60	328.180,00
123	198.930,40	674,71	2.015,29	2.690,00	196.915,11	127.785,11	203.084,89	330.870,00
124	196.915,11	667,87	2.022,13	2.690,00	194.892,98	128.452,98	205.107,02	333.560,00
125	194.892,98	661,01	2.028,99	2.690,00	192.863,99	129.113,99	207.136,01	336.250,00
126	192.863,99	654,13	2.035,87	2.690,00	190.828,12	129.768,12	209.171,88	338.940,00
127	190.828,12	647,23	2.042,77	2.690,00	188.785,35	130.415,35	211.214,65	341.630,00
128	188.785,35	640,30	2.049,70	2.690,00	186.735,64	131.055,64	213.264,36	344.320,00
129	186.735,64	633,35	2.056,65	2.690,00	184.678,99	131.688,99	215.321,01	347.010,00
130	184.678,99	626,37	2.063,63	2.690,00	182.615,36	132.315,36	217.384,64	349.700,00
131	182.615,36	619,37	2.070,63	2.690,00	180.544,73	132.934,73	219.455,27	352.390,00
132	180.544,73	612,35	2.077,65	2.690,00	178.467,08	133.547,08	221.532,92	355.080,00
133	178.467,08	605,30	2.084,70	2.690,00	176.382,38	134.152,38	223.617,62	357.770,00
134	176.382,38	598,23	2.091,77	2.690,00	174.290,61	134.750,61	225.709,39	360.460,00
135	174.290,61	591,14	2.098,86	2.690,00	172.191,74	135.341,74	227.808,26	363.150,00
136	172.191,74	584,02	2.105,98	2.690,00	170.085,76	135.925,76	229.914,24	365.840,00
137	170.085,76	576,87	2.113,13	2.690,00	167.972,63	136.502,63	232.027,37	368.530,00
138	167.972,63	569,71	2.120,29	2.690,00	165.852,34	137.072,34	234.147,66	371.220,00
139	165.852,34	562,52	2.127,48	2.690,00	163.724,86	137.634,86	236.275,14	373.910,00
140	163.724,86	555,30	2.134,70	2.690,00	161.590,16	138.190,16	238.409,84	376.600,00
141	161.590,16	548,06	2.141,94	2.690,00	159.448,22	138.738,22	240.551,78	379.290,00
142	159.448,22	540,80	2.149,20	2.690,00	157.299,01	139.279,01	242.700,99	381.980,00
143	157.299,01	533,51	2.156,49	2.690,00	155.142,52	139.812,52	244.857,48	384.670,00
144	155.142,52	526,19	2.163,81	2.690,00	152.978,71	140.338,71	247.021,29	387.360,00
145	152.978,71	518,85	2.171,15	2.690,00	150.807,56	140.857,56	249.192,44	390.050,00
146	150.807,56	511,49	2.178,51	2.690,00	148.629,05	141.369,05	251.370,95	392.740,00
147	148.629,05	504,10	2.185,90	2.690,00	146.443,15	141.873,15	253.556,85	395.430,00
148	146.443,15	496,69	2.193,31	2.690,00	144.249,84	142.369,84	255.750,16	398.120,00
149	144.249,84	489,25	2.200,75	2.690,00	142.049,09	142.859,09	257.950,91	400.810,00
150	142.049,09	481,78	2.208,22	2.690,00	139.840,87	143.340,87	260.159,13	403.500,00
151	139.840,87	474,29	2.215,71	2.690,00	137.625,16	143.815,16	262.374,84	406.190,00
152	137.625,16	466,78	2.223,22	2.690,00	135.401,94	144.281,94	264.598,06	408.880,00
153	135.401,94	459,24	2.230,76	2.690,00	133.171,18	144.741,18	266.828,82	411.570,00
154	133.171,18	451,67	2.238,33	2.690,00	130.932,85	145.192,85	269.067,15	414.260,00
155	130.932,85	444,08	2.245,92	2.690,00	128.686,93	145.636,93	271.313,07	416.950,00
156	128.686,93	436,46	2.253,54	2.690,00	126.433,40	146.073,40	273.566,60	419.640,00
157	126.433,40	428,82	2.261,18	2.690,00	124.172,22	146.502,22	275.827,78	422.330,00
158	124.172,22	421,15	2.268,85	2.690,00	121.903,37	146.923,37	278.096,63	425.020,00
159	121.903,37	413,46	2.276,54	2.690,00	119.626,82	147.336,82	280.373,18	427.710,00
160	119.626,82	405,73	2.284,27	2.690,00	117.342,56	147.742,56	282.657,44	430.400,00
161	117.342,56	397,99	2.292,01	2.690,00	115.050,54	148.140,54	284.949,46	433.090,00
162	115.050,54	390,21	2.299,79	2.690,00	112.750,76	148.530,76	287.249,24	435.780,00
163	112.750,76	382,41	2.307,59	2.690,00	110.443,17	148.913,17	289.556,83	438.470,00
164	110.443,17	374,59	2.315,41	2.690,00	108.127,76	149.287,76	291.872,24	441.160,00
165	108.127,76	366,73	2.323,27	2.690,00	105.804,49	149.654,49	294.195,51	443.850,00
166	105.804,49	358,85	2.331,15	2.690,00	103.473,34	150.013,34	296.526,66	446.540,00
167	103.473,34	350,95	2.339,05	2.690,00	101.134,29	150.364,29	298.865,71	449.230,00
168	101.134,29	343,01	2.346,99	2.690,00	98.787,30	150.707,30	301.212,70	451.920,00
169	98.787,30	335,05	2.354,95	2.690,00	96.432,36	151.042,36	303.567,64	454.610,00
170	96.432,36	327,07	2.362,93	2.690,00	94.069,42	151.369,42	305.930,58	457.300,00
171	94.069,42	319,05	2.370,95	2.690,00	91.698,48	151.688,48	308.301,52	459.990,00
172	91.698,48	311,01	2.378,99	2.690,00	89.319,49	151.999,49	310.680,51	462.680,00
173	89.319,49	302,94	2.387,06	2.690,00	86.932,43	152.302,43	313.067,57	465.370,00
174	86.932,43	294,85	2.395,15	2.690,00	84.537,27	152.597,27	315.462,73	468.060,00
175	84.537,27	286,72	2.403,28	2.690,00	82.134,00	152.884,00	317.866,00	470.750,00
176	82.134,00	278,57	2.411,43	2.690,00	79.722,57	153.162,57	320.277,43	473.440,00
177	79.722,57	270,39	2.419,61	2.690,00	77.302,96	153.432,96	322.697,04	476.130,00
178	77.302,96	262,19	2.427,81	2.690,00	74.875,15	153.695,15	325.124,85	478.820,00
179	74.875,15	253,95	2.436,05	2.690,00	72.439,10	153.949,10	327.560,90	481.510,00
180	72.439,10	245,69	2.444,31	2.690,00	69.994,79	154.194,79	330.005,21	484.200,00
181	69.994,79	237,40	2.452,60	2.690,00	67.542,18	154.432,18	332.457,82	486.890,00
182	67.542,18	229,08	2.460,92	2.690,00	65.081,27	154.661,27	334.918,73	489.580,00
183	65.081,27	220,73	2.469,27	2.690,00	62.612,00	154.882,00	337.388,00	492.270,00
184	62.612,00	212,36	2.477,64	2.690,00	60.134,36	155.094,36	339.865,64	494.960,00
185	60.134,36	203,96	2.486,04	2.690,00	57.648,31	155.298,31	342.351,69	497.650,00
186	57.648,31	195,52	2.494,48	2.690,00	55.153,84	155.493,84	344.846,16	500.340,00
187	55.153,84	187,06	2.502,94	2.690,00	52.650,90	155.680,90	347.349,10	503.030,00
188	52.650,90	178,57	2.511,43	2.690,00	50.139,48	155.859,48	349.860,52	505.720,00
189	50.139,48	170,06	2.519,94	2.690,00	47.619,53	156.029,53	352.380,47	508.410,00
190	47.619,53	161,51	2.528,49	2.690,00	45.091,04	156.191,04	354.908,96	511.100,00
191	45.091,04	152,93	2.537,07	2.690,00	42.553,98	156.343,98	357.446,02	513.790,00
192	42.553,98	144,33	2.545,67	2.690,00	40.008,30	156.488,30	359.991,70	516.480,00
193	40.008,30	135,69	2.554,31	2.690,00	37.454,00	156.624,00	362.546,00	519.170,00
194	37.454,00	127,03	2.562,97	2.690,00	34.891,03	156.751,03	365.108,97	521.860,00
195	34.891,03	118,34	2.571,66	2.690,00	32.319,37	156.869,37	367.680,63	524.550,00
196	32.319,37	109,62	2.580,38	2.690,00	29.738,99	156.978,99	370.261,01	527.240,00
197	29.738,99	100,86	2.589,14	2.690,00	27.149,85	157.079,85	372.850,15	529.930,00
198	27.149,85	92,08	2.597,92	2.690,00	24.551,93	157.171,93	375.448,07	532.620,00
199	24.551,93	83,27	2.606,73	2.690,00	21.945,21	157.255,21	378.054,79	535.310,00
200	21.945,21	74,43	2.615,57	2.690,00	19.329,64	157.329,64	380.670,36	538.000,00
201	19.329,64	65,56	2.624,44	2.690,00	16.705,20	157.395,20	383.294,80	540.690,00
202	16.705,20	56,66	2.633,34	2.690,00	14.071,86	157.451,86	385.928,14	543.380,00
203	14.071,86	47,73	2.642,27	2.690,00	11.429,58	157.499,58	388.570,42	546.070,00
204	11.429,58	38,77	2.651,23	2.690,00	8.778,35	157.538,35	391.221,65	548.760,00
205	8.778,35	29,77	2.660,23	2.690,00	6.118,12	157.568,12	393.881,88	551.450,00
206	6.118,12	20,75	2.669,25	2.690,00	3.448,87	157.588,87	396.551,13	554.140,00
207	3.448,87	11,70	2.678,30	2.690,00	770,57	157.600,57	399.229,43	556.830,00
208	770,57	2,61	770,57	770,57	770,57	157.603,18	400.000,00	557.603,18

Baufinanzierung

3.97/5,00

159.138,47€
Zinsanteil

2.706,67€
Monatsrate

4,12%
Sollzins p.a.

4,20%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 1.085,00 €;Gesamtbetrag: 130.200,00 €;Anzahl Kreditraten: 120;Laufzeit: 529 Monate;Effektiver Jahreszins: 3,39 %;Gebundener Sollzins: 3,34 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.373,33	1.333,33	2.706,67	398.666,67	1.373,33	1.333,33	2.706,67
2	398.666,67	1.368,76	1.337,91	2.706,67	397.328,76	2.742,09	2.671,24	5.413,33
3	397.328,76	1.364,16	1.342,50	2.706,67	395.986,25	4.106,25	4.013,75	8.120,00
4	395.986,25	1.359,55	1.347,11	2.706,67	394.639,14	5.465,80	5.360,86	10.826,67
5	394.639,14	1.354,93	1.351,74	2.706,67	393.287,40	6.820,73	6.712,60	13.533,33
6	393.287,40	1.350,29	1.356,38	2.706,67	391.931,02	8.171,02	8.068,98	16.240,00
7	391.931,02	1.345,63	1.361,04	2.706,67	390.569,98	9.516,65	9.430,02	18.946,67
8	390.569,98	1.340,96	1.365,71	2.706,67	389.204,27	10.857,60	10.795,73	21.653,33
9	389.204,27	1.336,27	1.370,40	2.706,67	387.833,87	12.193,87	12.166,13	24.360,00
10	387.833,87	1.331,56	1.375,10	2.706,67	386.458,77	13.525,44	13.541,23	27.066,67
11	386.458,77	1.326,84	1.379,82	2.706,67	385.078,94	14.852,28	14.921,06	29.773,33
12	385.078,94	1.322,10	1.384,56	2.706,67	383.694,38	16.174,38	16.305,62	32.480,00
13	383.694,38	1.317,35	1.389,32	2.706,67	382.305,07	17.491,73	17.694,93	35.186,67
14	382.305,07	1.312,58	1.394,09	2.706,67	380.910,98	18.804,31	19.089,02	37.893,33
15	380.910,98	1.307,79	1.398,87	2.706,67	379.512,11	20.112,11	20.487,89	40.600,00
16	379.512,11	1.302,99	1.403,68	2.706,67	378.108,43	21.415,10	21.891,57	43.306,67
17	378.108,43	1.298,17	1.408,49	2.706,67	376.699,94	22.713,27	23.300,06	46.013,33
18	376.699,94	1.293,34	1.413,33	2.706,67	375.286,61	24.006,61	24.713,39	48.720,00
19	375.286,61	1.288,48	1.418,18	2.706,67	373.868,43	25.295,09	26.131,57	51.426,67
20	373.868,43	1.283,61	1.423,05	2.706,67	372.445,37	26.578,71	27.554,63	54.133,33
21	372.445,37	1.278,73	1.427,94	2.706,67	371.017,44	27.857,44	28.982,56	56.840,00
22	371.017,44	1.273,83	1.432,84	2.706,67	369.584,60	29.131,26	30.415,40	59.546,67
23	369.584,60	1.268,91	1.437,76	2.706,67	368.146,84	30.400,17	31.853,16	62.253,33
24	368.146,84	1.263,97	1.442,70	2.706,67	366.704,14	31.664,14	33.295,86	64.960,00
25	366.704,14	1.259,02	1.447,65	2.706,67	365.256,49	32.923,16	34.743,51	67.666,67
26	365.256,49	1.254,05	1.452,62	2.706,67	363.803,87	34.177,21	36.196,13	70.373,33
27	363.803,87	1.249,06	1.457,61	2.706,67	362.346,27	35.426,27	37.653,73	73.080,00
28	362.346,27	1.244,06	1.462,61	2.706,67	360.883,65	36.670,32	39.116,35	75.786,67
29	360.883,65	1.239,03	1.467,63	2.706,67	359.416,02	37.909,35	40.583,98	78.493,33
30	359.416,02	1.234,00	1.472,67	2.706,67	357.943,35	39.143,35	42.056,65	81.200,00
31	357.943,35	1.228,94	1.477,73	2.706,67	356.465,62	40.372,29	43.534,38	83.906,67
32	356.465,62	1.223,87	1.482,80	2.706,67	354.982,82	41.596,15	45.017,18	86.613,33
33	354.982,82	1.218,77	1.487,89	2.706,67	353.494,93	42.814,93	46.505,07	89.320,00
34	353.494,93	1.213,67	1.493,00	2.706,67	352.001,93	44.028,59	47.998,07	92.026,67
35	352.001,93	1.208,54	1.498,13	2.706,67	350.503,80	45.237,13	49.496,20	94.733,33
36	350.503,80	1.203,40	1.503,27	2.706,67	349.000,53	46.440,53	50.999,47	97.440,00
37	349.000,53	1.198,24	1.508,43	2.706,67	347.492,10	47.638,77	52.507,90	100.146,67
38	347.492,10	1.193,06	1.513,61	2.706,67	345.978,49	48.831,82	54.021,51	102.853,33
39	345.978,49	1.187,86	1.518,81	2.706,67	344.459,68	50.019,68	55.540,32	105.560,00
40	344.459,68	1.182,64	1.524,02	2.706,67	342.935,66	51.202,33	57.064,34	108.266,67
41	342.935,66	1.177,41	1.529,25	2.706,67	341.406,41	52.379,74	58.593,59	110.973,33
42	341.406,41	1.172,16	1.534,50	2.706,67	339.871,90	53.551,90	60.128,10	113.680,00
43	339.871,90	1.166,89	1.539,77	2.706,67	338.332,13	54.718,79	61.667,87	116.386,67
44	338.332,13	1.161,61	1.545,06	2.706,67	336.787,07	55.880,40	63.212,93	119.093,33
45	336.787,07	1.156,30	1.550,36	2.706,67	335.236,70	57.036,70	64.763,30	121.800,00
46	335.236,70	1.150,98	1.555,69	2.706,67	333.681,02	58.187,68	66.318,98	124.506,67
47	333.681,02	1.145,64	1.561,03	2.706,67	332.119,99	59.333,32	67.880,01	127.213,33
48	332.119,99	1.140,28	1.566,39	2.706,67	330.553,60	60.473,60	69.446,40	129.920,00
49	330.553,60	1.134,90	1.571,77	2.706,67	328.981,83	61.608,50	71.018,17	132.626,67
50	328.981,83	1.129,50	1.577,16	2.706,67	327.404,67	62.738,00	72.595,33	135.333,33
51	327.404,67	1.124,09	1.582,58	2.706,67	325.822,09	63.862,09	74.177,91	138.040,00
52	325.822,09	1.118,66	1.588,01	2.706,67	324.234,08	64.980,75	75.765,92	140.746,67
53	324.234,08	1.113,20	1.593,46	2.706,67	322.640,62	66.093,95	77.359,38	143.453,33
54	322.640,62	1.107,73	1.598,93	2.706,67	321.041,69	67.201,69	78.958,31	146.160,00
55	321.041,69	1.102,24	1.604,42	2.706,67	319.437,26	68.303,93	80.562,74	148.866,67
56	319.437,26	1.096,73	1.609,93	2.706,67	317.827,33	69.400,66	82.172,67	151.573,33
57	317.827,33	1.091,21	1.615,46	2.706,67	316.211,87	70.491,87	83.788,13	154.280,00
58	316.211,87	1.085,66	1.621,01	2.706,67	314.590,87	71.577,53	85.409,13	156.986,67
59	314.590,87	1.080,10	1.626,57	2.706,67	312.964,29	72.657,63	87.035,71	159.693,33
60	312.964,29	1.074,51	1.632,16	2.706,67	311.332,14	73.732,14	88.667,86	162.400,00
61	311.332,14	1.068,91	1.637,76	2.706,67	309.694,38	74.801,05	90.305,62	165.106,67
62	309.694,38	1.063,28	1.643,38	2.706,67	308.051,00	75.864,33	91.949,00	167.813,33
63	308.051,00	1.057,64	1.649,02	2.706,67	306.401,97	76.921,97	93.598,03	170.520,00
64	306.401,97	1.051,98	1.654,69	2.706,67	304.747,28	77.973,95	95.252,72	173.226,67
65	304.747,28	1.046,30	1.660,37	2.706,67	303.086,92	79.020,25	96.913,08	175.933,33
66	303.086,92	1.040,60	1.666,07	2.706,67	301.420,85	80.060,85	98.579,15	178.640,00
67	301.420,85	1.034,88	1.671,79	2.706,67	299.749,06	81.095,73	100.250,94	181.346,67
68	299.749,06	1.029,14	1.677,53	2.706,67	298.071,53	82.124,87	101.928,47	184.053,33
69	298.071,53	1.023,38	1.683,29	2.706,67	296.388,24	83.148,24	103.611,76	186.760,00
70	296.388,24	1.017,60	1.689,07	2.706,67	294.699,18	84.165,84	105.300,82	189.466,67
71	294.699,18	1.011,80	1.694,87	2.706,67	293.004,31	85.177,64	106.995,69	192.173,33
72	293.004,31	1.005,98	1.700,69	2.706,67	291.303,63	86.183,63	108.696,37	194.880,00
73	291.303,63	1.000,14	1.706,52	2.706,67	289.597,10	87.183,77	110.402,90	197.586,67
74	289.597,10	994,28	1.712,38	2.706,67	287.884,72	88.178,05	112.115,28	200.293,33
75	287.884,72	988,40	1.718,26	2.706,67	286.166,46	89.166,46	113.833,54	203.000,00
76	286.166,46	982,50	1.724,16	2.706,67	284.442,29	90.148,96	115.557,71	205.706,67
77	284.442,29	976,59	1.730,08	2.706,67	282.712,21	91.125,55	117.287,79	208.413,33
78	282.712,21	970,65	1.736,02	2.706,67	280.976,19	92.096,19	119.023,81	211.120,00
79	280.976,19	964,68	1.741,98	2.706,67	279.234,21	93.060,88	120.765,79	213.826,67
80	279.234,21	958,70	1.747,96	2.706,67	277.486,25	94.019,58	122.513,75	216.533,33
81	277.486,25	952,70	1.753,96	2.706,67	275.732,28	94.972,28	124.267,72	219.240,00
82	275.732,28	946,68	1.759,99	2.706,67	273.972,30	95.918,96	126.027,70	221.946,67
83	273.972,30	940,64	1.766,03	2.706,67	272.206,27	96.859,60	127.793,73	224.653,33
84	272.206,27	934,57	1.772,09	2.706,67	270.434,18	97.794,18	129.565,82	227.360,00
85	270.434,18	928,49	1.778,18	2.706,67	268.656,00	98.722,67	131.344,00	230.066,67
86	268.656,00	922,39	1.784,28	2.706,67	266.871,72	99.645,05	133.128,28	232.773,33
87	266.871,72	916,26	1.790,41	2.706,67	265.081,31	100.561,31	134.918,69	235.480,00
88	265.081,31	910,11	1.796,55	2.706,67	263.284,76	101.471,43	136.715,24	238.186,67
89	263.284,76	903,94	1.802,72	2.706,67	261.482,04	102.375,37	138.517,96	240.893,33
90	261.482,04	897,75	1.808,91	2.706,67	259.673,12	103.273,12	140.326,88	243.600,00
91	259.673,12	891,54	1.815,12	2.706,67	257.858,00	104.164,67	142.142,00	246.306,67
92	257.858,00	885,31	1.821,35	2.706,67	256.036,65	105.049,98	143.963,35	249.013,33
93	256.036,65	879,06	1.827,61	2.706,67	254.209,04	105.929,04	145.790,96	251.720,00
94	254.209,04	872,78	1.833,88	2.706,67	252.375,16	106.801,82	147.624,84	254.426,67
95	252.375,16	866,49	1.840,18	2.706,67	250.534,98	107.668,31	149.465,02	257.133,33
96	250.534,98	860,17	1.846,50	2.706,67	248.688,48	108.528,48	151.311,52	259.840,00
97	248.688,48	853,83	1.852,84	2.706,67	246.835,65	109.382,31	153.164,35	262.546,67
98	246.835,65	847,47	1.859,20	2.706,67	244.976,45	110.229,78	155.023,55	265.253,33
99	244.976,45	841,09	1.865,58	2.706,67	243.110,87	111.070,87	156.889,13	267.960,00
100	243.110,87	834,68	1.871,99	2.706,67	241.238,88	111.905,55	158.761,12	270.666,67
101	241.238,88	828,25	1.878,41	2.706,67	239.360,47	112.733,80	160.639,53	273.373,33
102	239.360,47	821,80	1.884,86	2.706,67	237.475,61	113.555,61	162.524,39	276.080,00
103	237.475,61	815,33	1.891,33	2.706,67	235.584,27	114.370,94	164.415,73	278.786,67
104	235.584,27	808,84	1.897,83	2.706,67	233.686,45	115.179,78	166.313,55	281.493,33
105	233.686,45	802,32	1.904,34	2.706,67	231.782,10	115.982,10	168.217,90	284.200,00
106	231.782,10	795,79	1.910,88	2.706,67	229.871,22	116.777,89	170.128,78	286.906,67
107	229.871,22	789,22	1.917,44	2.706,67	227.953,78	117.567,11	172.046,22	289.613,33
108	227.953,78	782,64	1.924,03	2.706,67	226.029,75	118.349,75	173.970,25	292.320,00
109	226.029,75	776,04	1.930,63	2.706,67	224.099,12	119.125,79	175.900,88	295.026,67
110	224.099,12	769,41	1.937,26	2.706,67	222.161,86	119.895,20	177.838,14	297.733,33
111	222.161,86	762,76	1.943,91	2.706,67	220.217,95	120.657,95	179.782,05	300.440,00
112	220.217,95	756,08	1.950,59	2.706,67	218.267,37	121.414,03	181.732,63	303.146,67
113	218.267,37	749,38	1.957,28	2.706,67	216.310,08	122.163,42	183.689,92	305.853,33
114	216.310,08	742,66	1.964,00	2.706,67	214.346,08	122.906,08	185.653,92	308.560,00
115	214.346,08	735,92	1.970,75	2.706,67	212.375,34	123.642,00	187.624,66	311.266,67
116	212.375,34	729,16	1.977,51	2.706,67	210.397,83	124.371,16	189.602,17	313.973,33
117	210.397,83	722,37	1.984,30	2.706,67	208.413,53	125.093,53	191.586,47	316.680,00
118	208.413,53	715,55	1.991,11	2.706,67	206.422,41	125.809,08	193.577,59	319.386,67
119	206.422,41	708,72	1.997,95	2.706,67	204.424,46	126.517,80	195.575,54	322.093,33
120	204.424,46	701,86	2.004,81	2.706,67	202.419,65	127.219,65	197.580,35	324.800,00
121	202.419,65	694,97	2.011,69	2.706,67	200.407,96	127.914,63	199.592,04	327.506,67
122	200.407,96	688,07	2.018,60	2.706,67	198.389,36	128.602,69	201.610,64	330.213,33
123	198.389,36	681,14	2.025,53	2.706,67	196.363,83	129.283,83	203.636,17	332.920,00
124	196.363,83	674,18	2.032,48	2.706,67	194.331,35	129.958,01	205.668,65	335.626,67
125	194.331,35	667,20	2.039,46	2.706,67	192.291,88	130.625,22	207.708,12	338.333,33
126	192.291,88	660,20	2.046,46	2.706,67	190.245,42	131.285,42	209.754,58	341.040,00
127	190.245,42	653,18	2.053,49	2.706,67	188.191,93	131.938,60	211.808,07	343.746,67
128	188.191,93	646,13	2.060,54	2.706,67	186.131,39	132.584,72	213.868,61	346.453,33
129	186.131,39	639,05	2.067,62	2.706,67	184.063,77	133.223,77	215.936,23	349.160,00
130	184.063,77	631,95	2.074,71	2.706,67	181.989,06	133.855,72	218.010,94	351.866,67
131	181.989,06	624,83	2.081,84	2.706,67	179.907,22	134.480,55	220.092,78	354.573,33
132	179.907,22	617,68	2.088,99	2.706,67	177.818,24	135.098,24	222.181,76	357.280,00
133	177.818,24	610,51	2.096,16	2.706,67	175.722,08	135.708,74	224.277,92	359.986,67
134	175.722,08	603,31	2.103,35	2.706,67	173.618,72	136.312,06	226.381,28	362.693,33
135	173.618,72	596,09	2.110,58	2.706,67	171.508,15	136.908,15	228.491,85	365.400,00
136	171.508,15	588,84	2.117,82	2.706,67	169.390,33	137.496,99	230.609,67	368.106,67
137	169.390,33	581,57	2.125,09	2.706,67	167.265,23	138.078,57	232.734,77	370.813,33
138	167.265,23	574,28	2.132,39	2.706,67	165.132,84	138.652,84	234.867,16	373.520,00
139	165.132,84	566,96	2.139,71	2.706,67	162.993,13	139.219,80	237.006,87	376.226,67
140	162.993,13	559,61	2.147,06	2.706,67	160.846,08	139.779,41	239.153,92	378.933,33
141	160.846,08	552,24	2.154,43	2.706,67	158.691,65	140.331,65	241.308,35	381.640,00
142	158.691,65	544,84	2.161,83	2.706,67	156.529,82	140.876,49	243.470,18	384.346,67
143	156.529,82	537,42	2.169,25	2.706,67	154.360,57	141.413,91	245.639,43	387.053,33
144	154.360,57	529,97	2.176,70	2.706,67	152.183,88	141.943,88	247.816,12	389.760,00
145	152.183,88	522,50	2.184,17	2.706,67	149.999,71	142.466,38	250.000,29	392.466,67
146	149.999,71	515,00	2.191,67	2.706,67	147.808,04	142.981,38	252.191,96	395.173,33
147	147.808,04	507,47	2.199,19	2.706,67	145.608,85	143.488,85	254.391,15	397.880,00
148	145.608,85	499,92	2.206,74	2.706,67	143.402,11	143.988,77	256.597,89	400.586,67
149	143.402,11	492,35	2.214,32	2.706,67	141.187,79	144.481,12	258.812,21	403.293,33
150	141.187,79	484,74	2.221,92	2.706,67	138.965,87	144.965,87	261.034,13	406.000,00
151	138.965,87	477,12	2.229,55	2.706,67	136.736,32	145.442,98	263.263,68	408.706,67
152	136.736,32	469,46	2.237,21	2.706,67	134.499,11	145.912,44	265.500,89	411.413,33
153	134.499,11	461,78	2.244,89	2.706,67	132.254,22	146.374,22	267.745,78	414.120,00
154	132.254,22	454,07	2.252,59	2.706,67	130.001,63	146.828,30	269.998,37	416.826,67
155	130.001,63	446,34	2.260,33	2.706,67	127.741,30	147.274,64	272.258,70	419.533,33
156	127.741,30	438,58	2.268,09	2.706,67	125.473,21	147.713,21	274.526,79	422.240,00
157	125.473,21	430,79	2.275,88	2.706,67	123.197,34	148.144,01	276.802,66	424.946,67
158	123.197,34	422,98	2.283,69	2.706,67	120.913,65	148.566,98	279.086,35	427.653,33
159	120.913,65	415,14	2.291,53	2.706,67	118.622,12	148.982,12	281.377,88	430.360,00
160	118.622,12	407,27	2.299,40	2.706,67	116.322,72	149.389,39	283.677,28	433.066,67
161	116.322,72	399,37	2.307,29	2.706,67	114.015,43	149.788,76	285.984,57	435.773,33
162	114.015,43	391,45	2.315,21	2.706,67	111.700,22	150.180,22	288.299,78	438.480,00
163	111.700,22	383,50	2.323,16	2.706,67	109.377,05	150.563,72	290.622,95	441.186,67
164	109.377,05	375,53	2.331,14	2.706,67	107.045,92	150.939,25	292.954,08	443.893,33
165	107.045,92	367,52	2.339,14	2.706,67	104.706,77	151.306,77	295.293,23	446.600,00
166	104.706,77	359,49	2.347,17	2.706,67	102.359,60	151.666,27	297.640,40	449.306,67
167	102.359,60	351,43	2.355,23	2.706,67	100.004,37	152.017,70	299.995,63	452.013,33
168	100.004,37	343,35	2.363,32	2.706,67	97.641,05	152.361,05	302.358,95	454.720,00
169	97.641,05	335,23	2.371,43	2.706,67	95.269,62	152.696,28	304.730,38	457.426,67
170	95.269,62	327,09	2.379,57	2.706,67	92.890,04	153.023,38	307.109,96	460.133,33
171	92.890,04	318,92	2.387,74	2.706,67	90.502,30	153.342,30	309.497,70	462.840,00
172	90.502,30	310,72	2.395,94	2.706,67	88.106,36	153.653,02	311.893,64	465.546,67
173	88.106,36	302,50	2.404,17	2.706,67	85.702,19	153.955,52	314.297,81	468.253,33
174	85.702,19	294,24	2.412,42	2.706,67	83.289,77	154.249,77	316.710,23	470.960,00
175	83.289,77	285,96	2.420,71	2.706,67	80.869,06	154.535,73	319.130,94	473.666,67
176	80.869,06	277,65	2.429,02	2.706,67	78.440,04	154.813,38	321.559,96	476.373,33
177	78.440,04	269,31	2.437,36	2.706,67	76.002,69	155.082,69	323.997,31	479.080,00
178	76.002,69	260,94	2.445,72	2.706,67	73.556,96	155.343,63	326.443,04	481.786,67
179	73.556,96	252,55	2.454,12	2.706,67	71.102,84	155.596,18	328.897,16	484.493,33
180	71.102,84	244,12	2.462,55	2.706,67	68.640,30	155.840,30	331.359,70	487.200,00
181	68.640,30	235,67	2.471,00	2.706,67	66.169,29	156.075,96	333.830,71	489.906,67
182	66.169,29	227,18	2.479,49	2.706,67	63.689,81	156.303,14	336.310,19	492.613,33
183	63.689,81	218,67	2.488,00	2.706,67	61.201,81	156.521,81	338.798,19	495.320,00
184	61.201,81	210,13	2.496,54	2.706,67	58.705,27	156.731,94	341.294,73	498.026,67
185	58.705,27	201,55	2.505,11	2.706,67	56.200,16	156.933,49	343.799,84	500.733,33
186	56.200,16	192,95	2.513,71	2.706,67	53.686,45	157.126,45	346.313,55	503.440,00
187	53.686,45	184,32	2.522,34	2.706,67	51.164,10	157.310,77	348.835,90	506.146,67
188	51.164,10	175,66	2.531,00	2.706,67	48.633,10	157.486,43	351.366,90	508.853,33
189	48.633,10	166,97	2.539,69	2.706,67	46.093,41	157.653,41	353.906,59	511.560,00
190	46.093,41	158,25	2.548,41	2.706,67	43.544,99	157.811,66	356.455,01	514.266,67
191	43.544,99	149,50	2.557,16	2.706,67	40.987,83	157.961,16	359.012,17	516.973,33
192	40.987,83	140,72	2.565,94	2.706,67	38.421,89	158.101,89	361.578,11	519.680,00
193	38.421,89	131,92	2.574,75	2.706,67	35.847,14	158.233,80	364.152,86	522.386,67
194	35.847,14	123,08	2.583,59	2.706,67	33.263,55	158.356,88	366.736,45	525.093,33
195	33.263,55	114,20	2.592,46	2.706,67	30.671,08	158.471,08	369.328,92	527.800,00
196	30.671,08	105,30	2.601,36	2.706,67	28.069,72	158.576,39	371.930,28	530.506,67
197	28.069,72	96,37	2.610,29	2.706,67	25.459,43	158.672,76	374.540,57	533.213,33
198	25.459,43	87,41	2.619,26	2.706,67	22.840,17	158.760,17	377.159,83	535.920,00
199	22.840,17	78,42	2.628,25	2.706,67	20.211,92	158.838,59	379.788,08	538.626,67
200	20.211,92	69,39	2.637,27	2.706,67	17.574,65	158.907,98	382.425,35	541.333,33
201	17.574,65	60,34	2.646,33	2.706,67	14.928,32	158.968,32	385.071,68	544.040,00
202	14.928,32	51,25	2.655,41	2.706,67	12.272,91	159.019,58	387.727,09	546.746,67
203	12.272,91	42,14	2.664,53	2.706,67	9.608,38	159.061,72	390.391,62	549.453,33
204	9.608,38	32,99	2.673,68	2.706,67	6.934,70	159.094,70	393.065,30	552.160,00
205	6.934,70	23,81	2.682,86	2.706,67	4.251,85	159.118,51	395.748,15	554.866,67
206	4.251,85	14,60	2.692,07	2.706,67	1.559,78	159.133,11	398.440,22	557.573,33
207	1.559,78	5,36	1.559,78	1.559,78	1.559,78	159.138,47	400.000,00	559.138,47

Baufinanzierung

3.84/5,00

0,15% Rabatt für "Baufi Energy"

162.794,00€
Zinsanteil

2.746,67€
Monatsrate

4,24%
Sollzins p.a.

4,34%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 1.762,50 €;Gesamtbetrag: 317.250,00 €;Anzahl Kreditraten: 180;Laufzeit: 254 Monate;Effektiver Jahreszins: 4,15 %;Gebundener Sollzins: 4,05 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.413,33	1.333,33	2.746,67	398.666,67	1.413,33	1.333,33	2.746,67
2	398.666,67	1.408,62	1.338,04	2.746,67	397.328,62	2.821,96	2.671,38	5.493,33
3	397.328,62	1.403,89	1.342,77	2.746,67	395.985,85	4.225,85	4.014,15	8.240,00
4	395.985,85	1.399,15	1.347,52	2.746,67	394.638,33	5.625,00	5.361,67	10.986,67
5	394.638,33	1.394,39	1.352,28	2.746,67	393.286,06	7.019,39	6.713,94	13.733,33
6	393.286,06	1.389,61	1.357,06	2.746,67	391.929,00	8.409,00	8.071,00	16.480,00
7	391.929,00	1.384,82	1.361,85	2.746,67	390.567,15	9.793,82	9.432,85	19.226,67
8	390.567,15	1.380,00	1.366,66	2.746,67	389.200,49	11.173,82	10.799,51	21.973,33
9	389.200,49	1.375,18	1.371,49	2.746,67	387.828,99	12.548,99	12.171,01	24.720,00
10	387.828,99	1.370,33	1.376,34	2.746,67	386.452,66	13.919,32	13.547,34	27.466,67
11	386.452,66	1.365,47	1.381,20	2.746,67	385.071,46	15.284,79	14.928,54	30.213,33
12	385.071,46	1.360,59	1.386,08	2.746,67	383.685,38	16.645,38	16.314,62	32.960,00
13	383.685,38	1.355,69	1.390,98	2.746,67	382.294,40	18.001,06	17.705,60	35.706,67
14	382.294,40	1.350,77	1.395,89	2.746,67	380.898,50	19.351,84	19.101,50	38.453,33
15	380.898,50	1.345,84	1.400,83	2.746,67	379.497,68	20.697,68	20.502,32	41.200,00
16	379.497,68	1.340,89	1.405,77	2.746,67	378.091,90	22.038,57	21.908,10	43.946,67
17	378.091,90	1.335,92	1.410,74	2.746,67	376.681,16	23.374,50	23.318,84	46.693,33
18	376.681,16	1.330,94	1.415,73	2.746,67	375.265,44	24.705,44	24.734,56	49.440,00
19	375.265,44	1.325,94	1.420,73	2.746,67	373.844,71	26.031,37	26.155,29	52.186,67
20	373.844,71	1.320,92	1.425,75	2.746,67	372.418,96	27.352,29	27.581,04	54.933,33
21	372.418,96	1.315,88	1.430,79	2.746,67	370.988,17	28.668,17	29.011,83	57.680,00
22	370.988,17	1.310,82	1.435,84	2.746,67	369.552,33	29.979,00	30.447,67	60.426,67
23	369.552,33	1.305,75	1.440,92	2.746,67	368.111,41	31.284,75	31.888,59	63.173,33
24	368.111,41	1.300,66	1.446,01	2.746,67	366.665,41	32.585,41	33.334,59	65.920,00
25	366.665,41	1.295,55	1.451,12	2.746,67	365.214,29	33.880,96	34.785,71	68.666,67
26	365.214,29	1.290,42	1.456,24	2.746,67	363.758,05	35.171,38	36.241,95	71.413,33
27	363.758,05	1.285,28	1.461,39	2.746,67	362.296,66	36.456,66	37.703,34	74.160,00
28	362.296,66	1.280,11	1.466,55	2.746,67	360.830,11	37.736,78	39.169,89	76.906,67
29	360.830,11	1.274,93	1.471,73	2.746,67	359.358,38	39.011,71	40.641,62	79.653,33
30	359.358,38	1.269,73	1.476,93	2.746,67	357.881,44	40.281,44	42.118,56	82.400,00
31	357.881,44	1.264,51	1.482,15	2.746,67	356.399,29	41.545,96	43.600,71	85.146,67
32	356.399,29	1.259,28	1.487,39	2.746,67	354.911,90	42.805,23	45.088,10	87.893,33
33	354.911,90	1.254,02	1.492,64	2.746,67	353.419,26	44.059,26	46.580,74	90.640,00
34	353.419,26	1.248,75	1.497,92	2.746,67	351.921,34	45.308,00	48.078,66	93.386,67
35	351.921,34	1.243,46	1.503,21	2.746,67	350.418,13	46.551,46	49.581,87	96.133,33
36	350.418,13	1.238,14	1.508,52	2.746,67	348.909,60	47.789,60	51.090,40	98.880,00
37	348.909,60	1.232,81	1.513,85	2.746,67	347.395,75	49.022,42	52.604,25	101.626,67
38	347.395,75	1.227,46	1.519,20	2.746,67	345.876,55	50.249,88	54.123,45	104.373,33
39	345.876,55	1.222,10	1.524,57	2.746,67	344.351,98	51.471,98	55.648,02	107.120,00
40	344.351,98	1.216,71	1.529,96	2.746,67	342.822,02	52.688,69	57.177,98	109.866,67
41	342.822,02	1.211,30	1.535,36	2.746,67	341.286,66	53.899,99	58.713,34	112.613,33
42	341.286,66	1.205,88	1.540,79	2.746,67	339.745,87	55.105,87	60.254,13	115.360,00
43	339.745,87	1.200,44	1.546,23	2.746,67	338.199,64	56.306,31	61.800,36	118.106,67
44	338.199,64	1.194,97	1.551,69	2.746,67	336.647,95	57.501,28	63.352,05	120.853,33
45	336.647,95	1.189,49	1.557,18	2.746,67	335.090,77	58.690,77	64.909,23	123.600,00
46	335.090,77	1.183,99	1.562,68	2.746,67	333.528,09	59.874,76	66.471,91	126.346,67
47	333.528,09	1.178,47	1.568,20	2.746,67	331.959,89	61.053,22	68.040,11	129.093,33
48	331.959,89	1.172,92	1.573,74	2.746,67	330.386,15	62.226,15	69.613,85	131.840,00
49	330.386,15	1.167,36	1.579,30	2.746,67	328.806,85	63.393,51	71.193,15	134.586,67
50	328.806,85	1.161,78	1.584,88	2.746,67	327.221,96	64.555,30	72.778,04	137.333,33
51	327.221,96	1.156,18	1.590,48	2.746,67	325.631,48	65.711,48	74.368,52	140.080,00
52	325.631,48	1.150,56	1.596,10	2.746,67	324.035,38	66.862,05	75.964,62	142.826,67
53	324.035,38	1.144,93	1.601,74	2.746,67	322.433,64	68.006,97	77.566,36	145.573,33
54	322.433,64	1.139,27	1.607,40	2.746,67	320.826,24	69.146,24	79.173,76	148.320,00
55	320.826,24	1.133,59	1.613,08	2.746,67	319.213,16	70.279,82	80.786,84	151.066,67
56	319.213,16	1.127,89	1.618,78	2.746,67	317.594,38	71.407,71	82.405,62	153.813,33
57	317.594,38	1.122,17	1.624,50	2.746,67	315.969,88	72.529,88	84.030,12	156.560,00
58	315.969,88	1.116,43	1.630,24	2.746,67	314.339,64	73.646,30	85.660,36	159.306,67
59	314.339,64	1.110,67	1.636,00	2.746,67	312.703,64	74.756,97	87.296,36	162.053,33
60	312.703,64	1.104,89	1.641,78	2.746,67	311.061,86	75.861,86	88.938,14	164.800,00
61	311.061,86	1.099,09	1.647,58	2.746,67	309.414,27	76.960,94	90.585,73	167.546,67
62	309.414,27	1.093,26	1.653,40	2.746,67	307.760,87	78.054,21	92.239,13	170.293,33
63	307.760,87	1.087,42	1.659,24	2.746,67	306.101,63	79.141,63	93.898,37	173.040,00
64	306.101,63	1.081,56	1.665,11	2.746,67	304.436,52	80.223,19	95.563,48	175.786,67
65	304.436,52	1.075,68	1.670,99	2.746,67	302.765,53	81.298,86	97.234,47	178.533,33
66	302.765,53	1.069,77	1.676,90	2.746,67	301.088,63	82.368,63	98.911,37	181.280,00
67	301.088,63	1.063,85	1.682,82	2.746,67	299.405,81	83.432,48	100.594,19	184.026,67
68	299.405,81	1.057,90	1.688,77	2.746,67	297.717,05	84.490,38	102.282,95	186.773,33
69	297.717,05	1.051,93	1.694,73	2.746,67	296.022,31	85.542,31	103.977,69	189.520,00
70	296.022,31	1.045,95	1.700,72	2.746,67	294.321,59	86.588,26	105.678,41	192.266,67
71	294.321,59	1.039,94	1.706,73	2.746,67	292.614,86	87.628,20	107.385,14	195.013,33
72	292.614,86	1.033,91	1.712,76	2.746,67	290.902,10	88.662,10	109.097,90	197.760,00
73	290.902,10	1.027,85	1.718,81	2.746,67	289.183,29	89.689,96	110.816,71	200.506,67
74	289.183,29	1.021,78	1.724,89	2.746,67	287.458,40	90.711,74	112.541,60	203.253,33
75	287.458,40	1.015,69	1.730,98	2.746,67	285.727,42	91.727,42	114.272,58	206.000,00
76	285.727,42	1.009,57	1.737,10	2.746,67	283.990,33	92.736,99	116.009,67	208.746,67
77	283.990,33	1.003,43	1.743,23	2.746,67	282.247,09	93.740,43	117.752,91	211.493,33
78	282.247,09	997,27	1.749,39	2.746,67	280.497,70	94.737,70	119.502,30	214.240,00
79	280.497,70	991,09	1.755,57	2.746,67	278.742,12	95.728,79	121.257,88	216.986,67
80	278.742,12	984,89	1.761,78	2.746,67	276.980,35	96.713,68	123.019,65	219.733,33
81	276.980,35	978,66	1.768,00	2.746,67	275.212,34	97.692,34	124.787,66	222.480,00
82	275.212,34	972,42	1.774,25	2.746,67	273.438,09	98.664,76	126.561,91	225.226,67
83	273.438,09	966,15	1.780,52	2.746,67	271.657,58	99.630,91	128.342,42	227.973,33
84	271.657,58	959,86	1.786,81	2.746,67	269.870,77	100.590,77	130.129,23	230.720,00
85	269.870,77	953,54	1.793,12	2.746,67	268.077,64	101.544,31	131.922,36	233.466,67
86	268.077,64	947,21	1.799,46	2.746,67	266.278,18	102.491,52	133.721,82	236.213,33
87	266.278,18	940,85	1.805,82	2.746,67	264.472,37	103.432,37	135.527,63	238.960,00
88	264.472,37	934,47	1.812,20	2.746,67	262.660,17	104.366,83	137.339,83	241.706,67
89	262.660,17	928,07	1.818,60	2.746,67	260.841,57	105.294,90	139.158,43	244.453,33
90	260.841,57	921,64	1.825,03	2.746,67	259.016,54	106.216,54	140.983,46	247.200,00
91	259.016,54	915,19	1.831,47	2.746,67	257.185,07	107.131,73	142.814,93	249.946,67
92	257.185,07	908,72	1.837,95	2.746,67	255.347,12	108.040,45	144.652,88	252.693,33
93	255.347,12	902,23	1.844,44	2.746,67	253.502,68	108.942,68	146.497,32	255.440,00
94	253.502,68	895,71	1.850,96	2.746,67	251.651,72	109.838,39	148.348,28	258.186,67
95	251.651,72	889,17	1.857,50	2.746,67	249.794,23	110.727,56	150.205,77	260.933,33
96	249.794,23	882,61	1.864,06	2.746,67	247.930,16	111.610,16	152.069,84	263.680,00
97	247.930,16	876,02	1.870,65	2.746,67	246.059,52	112.486,18	153.940,48	266.426,67
98	246.059,52	869,41	1.877,26	2.746,67	244.182,26	113.355,60	155.817,74	269.173,33
99	244.182,26	862,78	1.883,89	2.746,67	242.298,37	114.218,37	157.701,63	271.920,00
100	242.298,37	856,12	1.890,55	2.746,67	240.407,83	115.074,49	159.592,17	274.666,67
101	240.407,83	849,44	1.897,23	2.746,67	238.510,60	115.923,93	161.489,40	277.413,33
102	238.510,60	842,74	1.903,93	2.746,67	236.606,67	116.766,67	163.393,33	280.160,00
103	236.606,67	836,01	1.910,66	2.746,67	234.696,02	117.602,68	165.303,98	282.906,67
104	234.696,02	829,26	1.917,41	2.746,67	232.778,61	118.431,94	167.221,39	285.653,33
105	232.778,61	822,48	1.924,18	2.746,67	230.854,43	119.254,43	169.145,57	288.400,00
106	230.854,43	815,69	1.930,98	2.746,67	228.923,44	120.070,11	171.076,56	291.146,67
107	228.923,44	808,86	1.937,80	2.746,67	226.985,64	120.878,97	173.014,36	293.893,33
108	226.985,64	802,02	1.944,65	2.746,67	225.040,99	121.680,99	174.959,01	296.640,00
109	225.040,99	795,14	1.951,52	2.746,67	223.089,47	122.476,13	176.910,53	299.386,67
110	223.089,47	788,25	1.958,42	2.746,67	221.131,05	123.264,38	178.868,95	302.133,33
111	221.131,05	781,33	1.965,34	2.746,67	219.165,71	124.045,71	180.834,29	304.880,00
112	219.165,71	774,39	1.972,28	2.746,67	217.193,43	124.820,10	182.806,57	307.626,67
113	217.193,43	767,42	1.979,25	2.746,67	215.214,18	125.587,52	184.785,82	310.373,33
114	215.214,18	760,42	1.986,24	2.746,67	213.227,94	126.347,94	186.772,06	313.120,00
115	213.227,94	753,41	1.993,26	2.746,67	211.234,68	127.101,35	188.765,32	315.866,67
116	211.234,68	746,36	2.000,30	2.746,67	209.234,37	127.847,71	190.765,63	318.613,33
117	209.234,37	739,29	2.007,37	2.746,67	207.227,00	128.587,00	192.773,00	321.360,00
118	207.227,00	732,20	2.014,46	2.746,67	205.212,54	129.319,20	194.787,46	324.106,67
119	205.212,54	725,08	2.021,58	2.746,67	203.190,96	130.044,29	196.809,04	326.853,33
120	203.190,96	717,94	2.028,73	2.746,67	201.162,23	130.762,23	198.837,77	329.600,00
121	201.162,23	710,77	2.035,89	2.746,67	199.126,34	131.473,00	200.873,66	332.346,67
122	199.126,34	703,58	2.043,09	2.746,67	197.083,25	132.176,58	202.916,75	335.093,33
123	197.083,25	696,36	2.050,31	2.746,67	195.032,94	132.872,94	204.967,06	337.840,00
124	195.032,94	689,12	2.057,55	2.746,67	192.975,39	133.562,06	207.024,61	340.586,67
125	192.975,39	681,85	2.064,82	2.746,67	190.910,57	134.243,91	209.089,43	343.333,33
126	190.910,57	674,55	2.072,12	2.746,67	188.838,46	134.918,46	211.161,54	346.080,00
127	188.838,46	667,23	2.079,44	2.746,67	186.759,02	135.585,69	213.240,98	348.826,67
128	186.759,02	659,88	2.086,78	2.746,67	184.672,24	136.245,57	215.327,76	351.573,33
129	184.672,24	652,51	2.094,16	2.746,67	182.578,08	136.898,08	217.421,92	354.320,00
130	182.578,08	645,11	2.101,56	2.746,67	180.476,52	137.543,19	219.523,48	357.066,67
131	180.476,52	637,68	2.108,98	2.746,67	178.367,54	138.180,87	221.632,46	359.813,33
132	178.367,54	630,23	2.116,43	2.746,67	176.251,10	138.811,10	223.748,90	362.560,00
133	176.251,10	622,75	2.123,91	2.746,67	174.127,19	139.433,86	225.872,81	365.306,67
134	174.127,19	615,25	2.131,42	2.746,67	171.995,77	140.049,11	228.004,23	368.053,33
135	171.995,77	607,72	2.138,95	2.746,67	169.856,82	140.656,82	230.143,18	370.800,00
136	169.856,82	600,16	2.146,51	2.746,67	167.710,32	141.256,98	232.289,68	373.546,67
137	167.710,32	592,58	2.154,09	2.746,67	165.556,23	141.849,56	234.443,77	376.293,33
138	165.556,23	584,97	2.161,70	2.746,67	163.394,53	142.434,53	236.605,47	379.040,00
139	163.394,53	577,33	2.169,34	2.746,67	161.225,19	143.011,85	238.774,81	381.786,67
140	161.225,19	569,66	2.177,00	2.746,67	159.048,18	143.581,52	240.951,82	384.533,33
141	159.048,18	561,97	2.184,70	2.746,67	156.863,49	144.143,49	243.136,51	387.280,00
142	156.863,49	554,25	2.192,42	2.746,67	154.671,07	144.697,74	245.328,93	390.026,67
143	154.671,07	546,50	2.200,16	2.746,67	152.470,91	145.244,24	247.529,09	392.773,33
144	152.470,91	538,73	2.207,94	2.746,67	150.262,97	145.782,97	249.737,03	395.520,00
145	150.262,97	530,93	2.215,74	2.746,67	148.047,23	146.313,90	251.952,77	398.266,67
146	148.047,23	523,10	2.223,57	2.746,67	145.823,67	146.837,00	254.176,33	401.013,33
147	145.823,67	515,24	2.231,42	2.746,67	143.592,25	147.352,25	256.407,75	403.760,00
148	143.592,25	507,36	2.239,31	2.746,67	141.352,94	147.859,60	258.647,06	406.506,67
149	141.352,94	499,45	2.247,22	2.746,67	139.105,72	148.359,05	260.894,28	409.253,33
150	139.105,72	491,51	2.255,16	2.746,67	136.850,56	148.850,56	263.149,44	412.000,00
151	136.850,56	483,54	2.263,13	2.746,67	134.587,43	149.334,10	265.412,57	414.746,67
152	134.587,43	475,54	2.271,12	2.746,67	132.316,31	149.809,64	267.683,69	417.493,33
153	132.316,31	467,52	2.279,15	2.746,67	130.037,16	150.277,16	269.962,84	420.240,00
154	130.037,16	459,46	2.287,20	2.746,67	127.749,95	150.736,62	272.250,05	422.986,67
155	127.749,95	451,38	2.295,28	2.746,67	125.454,67	151.188,00	274.545,33	425.733,33
156	125.454,67	443,27	2.303,39	2.746,67	123.151,28	151.631,28	276.848,72	428.480,00
157	123.151,28	435,13	2.311,53	2.746,67	120.839,75	152.066,41	279.160,25	431.226,67
158	120.839,75	426,97	2.319,70	2.746,67	118.520,05	152.493,38	281.479,95	433.973,33
159	118.520,05	418,77	2.327,90	2.746,67	116.192,15	152.912,15	283.807,85	436.720,00
160	116.192,15	410,55	2.336,12	2.746,67	113.856,03	153.322,70	286.143,97	439.466,67
161	113.856,03	402,29	2.344,38	2.746,67	111.511,65	153.724,99	288.488,35	442.213,33
162	111.511,65	394,01	2.352,66	2.746,67	109.159,00	154.119,00	290.841,00	444.960,00
163	109.159,00	385,70	2.360,97	2.746,67	106.798,02	154.504,69	293.201,98	447.706,67
164	106.798,02	377,35	2.369,31	2.746,67	104.428,71	154.882,04	295.571,29	450.453,33
165	104.428,71	368,98	2.377,69	2.746,67	102.051,02	155.251,02	297.948,98	453.200,00
166	102.051,02	360,58	2.386,09	2.746,67	99.664,94	155.611,61	300.335,06	455.946,67
167	99.664,94	352,15	2.394,52	2.746,67	97.270,42	155.963,75	302.729,58	458.693,33
168	97.270,42	343,69	2.402,98	2.746,67	94.867,44	156.307,44	305.132,56	461.440,00
169	94.867,44	335,20	2.411,47	2.746,67	92.455,97	156.642,64	307.544,03	464.186,67
170	92.455,97	326,68	2.419,99	2.746,67	90.035,99	156.969,32	309.964,01	466.933,33
171	90.035,99	318,13	2.428,54	2.746,67	87.607,45	157.287,45	312.392,55	469.680,00
172	87.607,45	309,55	2.437,12	2.746,67	85.170,33	157.596,99	314.829,67	472.426,67
173	85.170,33	300,94	2.445,73	2.746,67	82.724,59	157.897,93	317.275,41	475.173,33
174	82.724,59	292,29	2.454,37	2.746,67	80.270,22	158.190,22	319.729,78	477.920,00
175	80.270,22	283,62	2.463,05	2.746,67	77.807,18	158.473,84	322.192,82	480.666,67
176	77.807,18	274,92	2.471,75	2.746,67	75.335,43	158.748,76	324.664,57	483.413,33
177	75.335,43	266,19	2.480,48	2.746,67	72.854,95	159.014,95	327.145,05	486.160,00
178	72.854,95	257,42	2.489,25	2.746,67	70.365,70	159.272,37	329.634,30	488.906,67
179	70.365,70	248,63	2.498,04	2.746,67	67.867,66	159.520,99	332.132,34	491.653,33
180	67.867,66	239,80	2.506,87	2.746,67	65.360,79	159.760,79	334.639,21	494.400,00
181	65.360,79	230,94	2.515,73	2.746,67	62.845,07	159.991,73	337.154,93	497.146,67
182	62.845,07	222,05	2.524,61	2.746,67	60.320,45	160.213,79	339.679,55	499.893,33
183	60.320,45	213,13	2.533,53	2.746,67	57.786,92	160.426,92	342.213,08	502.640,00
184	57.786,92	204,18	2.542,49	2.746,67	55.244,43	160.631,10	344.755,57	505.386,67
185	55.244,43	195,20	2.551,47	2.746,67	52.692,96	160.826,30	347.307,04	508.133,33
186	52.692,96	186,18	2.560,48	2.746,67	50.132,48	161.012,48	349.867,52	510.880,00
187	50.132,48	177,13	2.569,53	2.746,67	47.562,95	161.189,61	352.437,05	513.626,67
188	47.562,95	168,06	2.578,61	2.746,67	44.984,33	161.357,67	355.015,67	516.373,33
189	44.984,33	158,94	2.587,72	2.746,67	42.396,61	161.516,61	357.603,39	519.120,00
190	42.396,61	149,80	2.596,87	2.746,67	39.799,75	161.666,41	360.200,25	521.866,67
191	39.799,75	140,63	2.606,04	2.746,67	37.193,71	161.807,04	362.806,29	524.613,33
192	37.193,71	131,42	2.615,25	2.746,67	34.578,46	161.938,46	365.421,54	527.360,00
193	34.578,46	122,18	2.624,49	2.746,67	31.953,97	162.060,64	368.046,03	530.106,67
194	31.953,97	112,90	2.633,76	2.746,67	29.320,21	162.173,54	370.679,79	532.853,33
195	29.320,21	103,60	2.643,07	2.746,67	26.677,14	162.277,14	373.322,86	535.600,00
196	26.677,14	94,26	2.652,41	2.746,67	24.024,73	162.371,40	375.975,27	538.346,67
197	24.024,73	84,89	2.661,78	2.746,67	21.362,95	162.456,28	378.637,05	541.093,33
198	21.362,95	75,48	2.671,18	2.746,67	18.691,77	162.531,77	381.308,23	543.840,00
199	18.691,77	66,04	2.680,62	2.746,67	16.011,14	162.597,81	383.988,86	546.586,67
200	16.011,14	56,57	2.690,09	2.746,67	13.321,05	162.654,38	386.678,95	549.333,33
201	13.321,05	47,07	2.699,60	2.746,67	10.621,45	162.701,45	389.378,55	552.080,00
202	10.621,45	37,53	2.709,14	2.746,67	7.912,31	162.738,98	392.087,69	554.826,67
203	7.912,31	27,96	2.718,71	2.746,67	5.193,60	162.766,94	394.806,40	557.573,33
204	5.193,60	18,35	2.728,32	2.746,67	2.465,29	162.785,29	397.534,71	560.320,00
205	2.465,29	8,71	2.465,29	2.465,29	2.465,29	162.794,00	400.000,00	562.794,00

Stand der Daten: 08.01.2026

Voraussetzung für eine Finanzierung ohne Eigenmittel

Die großen deutschen Banken, Commerzbank, Deutsche Bank und Postbank, begannen damit, das „no-go“ der Finanzierung ohne Eigenmittel aufzuweichen. Allerdings halten sich diese Institute auch bedeckt, wenn nicht nur der Kaufpreis in voller Höhe finanziert werden muss, sondern auch noch die Eigenmittel für die Erwerbsnebenkosten finanziert werden müssen.

Eine Vollfinanzierung ist dann machbar, wenn die Erwerber folgende Eckpunkte erfüllen können:

Eine monatliche Tilgungsleistung von drei oder vier Prozent
Die Rate sollte rund 40 Prozent des Haushaltsnettoeinkommens ausmachen.

Voraussetzung ist hier, dass zumindest die Gelder für die Erwerbsnebenkosten vorhanden sind. Fehlen diese ebenfalls, muss ein zweiter Darlehensgeber mit ins Boot genommen werden.

Grundsätzlich gilt, dass eine Finanzierung ohne Eigenmittel ein gewisses Mehr an Risiko für den Erwerber bedeutet. Besteht kurzfristig akuter Geldbedarf, beispielsweise, weil eine Reparatur am Haus fällig wird, sieht es mit einer Aufstockung des Darlehens schlecht aus.

Finanzierung der Erwerbsnebenkosten

Über das Hypothekendarlehen sind diese Aufwendungen in aller Regel nicht mehr finanzierbar. Es gibt Kreditgeber, die sogenannte 110 Prozent Finanzierungen anbieten. Diese Kredite sind aber nicht überall zu bekommen. Die Käufer sind daher meist gezwungen, einen klassischen Ratenkredit aufzunehmen. Die Zinsen für diese Darlehen liegen jedoch deutlich über den Hypothekenzinsen.

Die Hanseatic-Bank, vielen Verbrauchern als Kreditgeber für Einkäufe bei dem Versandhändler Otto ein Begriff, hat sich auf dieses Kreditsegment spezialisiert. Mit dem „Eigentümerdarlehen“ übernimmt sie den Teil der Finanzierung, der von den anderen Banken nicht mehr getragen wird.

Das Kreditvolumen kann zwischen 5.000 Euro und 60.000 Euro betragen, die Laufzeit bis zu 180 Monaten. Bei einer 10jährigen Zinsfestschreibung beträgt der effektive Jahreszins 7,29% (Stand Juli 2016). Zum Vergleich: Im Januar 2016 lagen die Baufinanzierungskonditionen im zehnjährigen Bereich bei unter 1,25 Prozent pro Jahr.

Um einmal zu veranschaulichen, wie sich eine Baufinanzierung ohne Eigenkapital gegenüber einer Finanzierung mit Eigenkapital auswirkt, haben wir die Varianten einmal gegenübergestellt. Die 110-Prozent-Finanzierung unterstellt, dass die Erwerbsnebenkosten ebenfalls finanziert werden müssen:

Baufinanzierungen mit und ohne Eigenkapital im direkten Vergleich

	Baufinanzierung mit Eigenkapital	100-Prozent-Finanzierung	110-Prozent-Finanzierung
Kaufpreis	210.000 Euro	210.000 Euro	210.000 Euro
Benötigtes Darlehen	150.000 Euro	210.000 Euro	210.000 Euro
Eigenkapital	60.000 Euro	0 Euro	0 Euro
Zinsbindung	15 Jahre	15 Jahre	15 Jahre
Anfängliche Tilgungsrate	2 Prozent	2 Prozent	2 Prozent
Sollzinssatz p.a.	2,54 Prozent	3,54 Prozent	3,54 Prozent
Privatkredit für die Kaufnebenkosten	–	–	21.000 Euro (ca. 10% vom Kaufpreis)
Zinssatz Privatkredit	–	–	5,99 % p.a.
Monatliche Rate Privatkredit	–	–	177,10 Euro
Zinskosten Privatkredit nach 15 Jahren	–	–	10.877,47 Euro
Ergebnis
Monatliche Rate	794,50 Euro	969,50 Euro	1.146,60 Euro
Zinskosten nach 15 Jahren	38.635 Euro	91.541 Euro	103.418,57 Euro
Restschuld nach 15 Jahren	45.625 Euro	127.031 Euro	127.031 Euro
Gesamtlaufzeit bis Volltilgung bei gleichen Zinsbedingungen	20 Jahre	29 Jahre	29 Jahre

Quelle: Dr. Klein

Auswirkungen der Wohnimmobilien-Kreditrichtlinie

Die Wohnimmobilienkreditrichtlinie sah vor, dass Darlehen nur vergeben werden dürfen, wenn die ordnungsgemäße Rückführung über die gesamte Laufzeit sichergestellt ist. Das war eigentlich schon immer so. Allerdings sollte dabei der Wert der Immobilie unberücksichtigt bleiben. Die Bonitätsprüfung der Banken stellte auch nicht nur auf die aktuelle wirtschaftliche Situation des Kreditnehmers ab, sondern musste auch alle künftigen Risiken mit einbeziehen.

Zu diesen Optionen zählen auch Scheidung, Krankheit oder Kinder. Auch wenn solche Faktoren als nahezu unabwägbar gelten, waren die Banker gehalten, diese Sachverhalte bei der Kreditvergabe zu berücksichtigen. Je größer das Darlehensvolumen ausfällt, umso größer ist zwangsläufig das Risiko, dass eine Rate nicht gezahlt werden kann.

Erfreulicherweise wurde durch eine Novelle der Wohnimmobilienkreditrichtlinie dieser unsinnige Sachverhalt mit Wirkung per 01.05.2018 wieder aus den Vorgaben herausgenommen, genauso wie die Bewertung möglicher Veränderungen im Leben des Kreditnehmers.

Eigenkapitalersatz – auch das gibt es

KfW

Kein Eigenkapital, aber auch eine Lösung, ist das klassische KfW-Darlehen. Bauherren oder Erwerber können bis zu 50.000 Euro bei der KfW aufnehmen. Mit diesem Betrag lässt sich die Lücke zwischen niedrigerem Beleihungsauslauf und Kaufpreis schließen. Das KfW-Programm 124 fördert den Erwerb selbst genutzten Wohneigentums (1).

Arbeitgeberdarlehen

Arbeitgeberdarlehen besitzen im Zusammenhang mit einer Baufinanzierung Eigenkapitalcharakter. Bei einem Kaufpreis inklusive Nebenkosten von 220.000 Euro bedeutet ein Arbeitgeberdarlehen in Höhe von 50.000 Euro eine Eigenkapitalquote von 22,7 Prozent. Schon sieht der Beleihungsauslauf nicht mehr ganz so dramatisch aus.

Der Darlehensvertrag sollte allerdings, so kein Standardwerk genutzt wird, von einem Steuerberater geprüft werden. Bei dem geringsten Formfehler gilt das Darlehen als Einkommen und wird sowohl steuer- als auch sozialabgabenpflichtig.

Eigenleistung

Die Eigenleistung, auch als Muskelhypothek bekannt, greift bei Neubauten oder wenn die Bestandsimmobilie saniert oder renoviert werden muss. Die Banken rechnen die für die Arbeitszeit des Handwerkers eingesparten Kosten zu einem bestimmten Prozentsatz als Eigenkapital.

Allerdings sollte schlüssig sein, dass der Bauherr oder seine Helfer auch tatsächlich in der Lage sind, die Gewerke auszuführen. Fliesen verlegen oder Türen einbauen mag noch leicht erklärbar sein. Schwieriger wird es jedoch, wenn Sanitär- oder Elektroarbeiten in Eigenregie vorgenommen werden. Häufig verlangen die Kreditinstitute in diesem Fall einen „Fähigkeitsnachweis“.

Versicherungspolicen

Wer eine Lebensversicherungs- oder Rentenversicherungspolice in der Schublade hat, sollte bei dem Versicherer einmal den Rückkaufswert in Erfahrung bringen. Als Sicherheit an die Bank abgetreten, senkt dies zwar nicht das Darlehen als solches, erhöht aber fiktiv die Eigenmittel und senkt somit den Beleihungsauslauf.

Gleiches gilt im Übrigen auch für Wertpapiere und Bausparverträge. Bei Wertpapieren wird allerdings nicht der Kurswert, sondern nur ein Prozentsatz dessen, bei Aktien meist 60%, bei Anleihen zwischen 80 und 90 Prozent, festgesetzt.

Kostenloses Angebot für individuelle Baufinanzierung anfordern

Da jede Baufinanzierung individuell maßgeschneidert werden sollte, empfehlen wir, bei der Finanzierungsplanung einen Experten zu Rate zu ziehen. Über das nachfolgende Formular können Sie eine kostenlose und unverbindliche Finanzierungsberatung sowie ein entsprechendes Angebot bei der Interhyp AG, einem der führenden Vermittler von Hypothekendarlehen in Deutschland, anfordern:

Weiterführende Informationen

(1) KfW-Programm 124 – KfW-Wohneigentumsprogramm

Vollfinanzierung – Hauskauf ohne Eigenkapital

Der Beleihungsauslauf

Kosten für Immobilien-Vollfinanzierung berechnen

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Weitere Infos zur Berechnung

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Repräsentatives Beispiel nach §6a PAngV

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Voraussetzung für eine Finanzierung ohne Eigenmittel

Finanzierung der Erwerbsnebenkosten

Baufinanzierungen mit und ohne Eigenkapital im direkten Vergleich

Auswirkungen der Wohnimmobilien-Kreditrichtlinie

Eigenkapitalersatz – auch das gibt es

KfW

Arbeitgeberdarlehen

Eigenleistung

Versicherungspolicen

Kostenloses Angebot für individuelle Baufinanzierung anfordern

Weiterführende Informationen