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

4.08/5,00

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: 1.425,00 €;Gesamtbetrag: 172.425,00 €;Anzahl Kreditraten: 120;Laufzeit: 343 Monate;Effektiver Jahreszins: 3,82 %;Gebundener Sollzins: 3,73 %;

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

3.81/5,00

145.703,51€
Zinsanteil

2.563,33€
Monatsrate

3,69%
Sollzins p.a.

3,76%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 150.000,00 €;Kreditrate: 743,75 €;Gesamtbetrag: 89.250,00 €;Anzahl Kreditraten: 120;Laufzeit: 331 Monate;Effektiver Jahreszins: 4,42 %;Gebundener Sollzins: 3,95 %;

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

4.07/5,00

147.927,28€
Zinsanteil

2.586,67€
Monatsrate

3,76%
Sollzins p.a.

3,84%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 1.375,00 €;Gesamtbetrag: 165.000,00 €;Anzahl Kreditraten: 120;Laufzeit: 10 Monate;Effektiver Jahreszins: 3,55 %;Gebundener Sollzins: 3,50 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.253,33	1.333,33	2.586,67	398.666,67	1.253,33	1.333,33	2.586,67
2	398.666,67	1.249,16	1.337,51	2.586,67	397.329,16	2.502,49	2.670,84	5.173,33
3	397.329,16	1.244,96	1.341,70	2.586,67	395.987,45	3.747,45	4.012,55	7.760,00
4	395.987,45	1.240,76	1.345,91	2.586,67	394.641,55	4.988,21	5.358,45	10.346,67
5	394.641,55	1.236,54	1.350,12	2.586,67	393.291,42	6.224,76	6.708,58	12.933,33
6	393.291,42	1.232,31	1.354,35	2.586,67	391.937,07	7.457,07	8.062,93	15.520,00
7	391.937,07	1.228,07	1.358,60	2.586,67	390.578,47	8.685,14	9.421,53	18.106,67
8	390.578,47	1.223,81	1.362,85	2.586,67	389.215,62	9.908,95	10.784,38	20.693,33
9	389.215,62	1.219,54	1.367,12	2.586,67	387.848,50	11.128,50	12.151,50	23.280,00
10	387.848,50	1.215,26	1.371,41	2.586,67	386.477,09	12.343,75	13.522,91	25.866,67
11	386.477,09	1.210,96	1.375,71	2.586,67	385.101,38	13.554,72	14.898,62	28.453,33
12	385.101,38	1.206,65	1.380,02	2.586,67	383.721,37	14.761,37	16.278,63	31.040,00
13	383.721,37	1.202,33	1.384,34	2.586,67	382.337,03	15.963,69	17.662,97	33.626,67
14	382.337,03	1.197,99	1.388,68	2.586,67	380.948,35	17.161,68	19.051,65	36.213,33
15	380.948,35	1.193,64	1.393,03	2.586,67	379.555,32	18.355,32	20.444,68	38.800,00
16	379.555,32	1.189,27	1.397,39	2.586,67	378.157,93	19.544,59	21.842,07	41.386,67
17	378.157,93	1.184,89	1.401,77	2.586,67	376.756,16	20.729,49	23.243,84	43.973,33
18	376.756,16	1.180,50	1.406,16	2.586,67	375.349,99	21.909,99	24.650,01	46.560,00
19	375.349,99	1.176,10	1.410,57	2.586,67	373.939,42	23.086,09	26.060,58	49.146,67
20	373.939,42	1.171,68	1.414,99	2.586,67	372.524,43	24.257,77	27.475,57	51.733,33
21	372.524,43	1.167,24	1.419,42	2.586,67	371.105,01	25.425,01	28.894,99	54.320,00
22	371.105,01	1.162,80	1.423,87	2.586,67	369.681,14	26.587,80	30.318,86	56.906,67
23	369.681,14	1.158,33	1.428,33	2.586,67	368.252,80	27.746,14	31.747,20	59.493,33
24	368.252,80	1.153,86	1.432,81	2.586,67	366.820,00	28.900,00	33.180,00	62.080,00
25	366.820,00	1.149,37	1.437,30	2.586,67	365.382,70	30.049,37	34.617,30	64.666,67
26	365.382,70	1.144,87	1.441,80	2.586,67	363.940,90	31.194,23	36.059,10	67.253,33
27	363.940,90	1.140,35	1.446,32	2.586,67	362.494,58	32.334,58	37.505,42	69.840,00
28	362.494,58	1.135,82	1.450,85	2.586,67	361.043,73	33.470,40	38.956,27	72.426,67
29	361.043,73	1.131,27	1.455,40	2.586,67	359.588,33	34.601,67	40.411,67	75.013,33
30	359.588,33	1.126,71	1.459,96	2.586,67	358.128,38	35.728,38	41.871,62	77.600,00
31	358.128,38	1.122,14	1.464,53	2.586,67	356.663,85	36.850,51	43.336,15	80.186,67
32	356.663,85	1.117,55	1.469,12	2.586,67	355.194,73	37.968,06	44.805,27	82.773,33
33	355.194,73	1.112,94	1.473,72	2.586,67	353.721,00	39.081,00	46.279,00	85.360,00
34	353.721,00	1.108,33	1.478,34	2.586,67	352.242,66	40.189,33	47.757,34	87.946,67
35	352.242,66	1.103,69	1.482,97	2.586,67	350.759,69	41.293,02	49.240,31	90.533,33
36	350.759,69	1.099,05	1.487,62	2.586,67	349.272,07	42.392,07	50.727,93	93.120,00
37	349.272,07	1.094,39	1.492,28	2.586,67	347.779,79	43.486,46	52.220,21	95.706,67
38	347.779,79	1.089,71	1.496,96	2.586,67	346.282,83	44.576,17	53.717,17	98.293,33
39	346.282,83	1.085,02	1.501,65	2.586,67	344.781,18	45.661,18	55.218,82	100.880,00
40	344.781,18	1.080,31	1.506,35	2.586,67	343.274,83	46.741,50	56.725,17	103.466,67
41	343.274,83	1.075,59	1.511,07	2.586,67	341.763,76	47.817,09	58.236,24	106.053,33
42	341.763,76	1.070,86	1.515,81	2.586,67	340.247,95	48.887,95	59.752,05	108.640,00
43	340.247,95	1.066,11	1.520,56	2.586,67	338.727,40	49.954,06	61.272,60	111.226,67
44	338.727,40	1.061,35	1.525,32	2.586,67	337.202,08	51.015,41	62.797,92	113.813,33
45	337.202,08	1.056,57	1.530,10	2.586,67	335.671,98	52.071,98	64.328,02	116.400,00
46	335.671,98	1.051,77	1.534,89	2.586,67	334.137,08	53.123,75	65.862,92	118.986,67
47	334.137,08	1.046,96	1.539,70	2.586,67	332.597,38	54.170,71	67.402,62	121.573,33
48	332.597,38	1.042,14	1.544,53	2.586,67	331.052,85	55.212,85	68.947,15	124.160,00
49	331.052,85	1.037,30	1.549,37	2.586,67	329.503,48	56.250,15	70.496,52	126.746,67
50	329.503,48	1.032,44	1.554,22	2.586,67	327.949,26	57.282,59	72.050,74	129.333,33
51	327.949,26	1.027,57	1.559,09	2.586,67	326.390,17	58.310,17	73.609,83	131.920,00
52	326.390,17	1.022,69	1.563,98	2.586,67	324.826,19	59.332,86	75.173,81	134.506,67
53	324.826,19	1.017,79	1.568,88	2.586,67	323.257,31	60.350,64	76.742,69	137.093,33
54	323.257,31	1.012,87	1.573,79	2.586,67	321.683,52	61.363,52	78.316,48	139.680,00
55	321.683,52	1.007,94	1.578,72	2.586,67	320.104,79	62.371,46	79.895,21	142.266,67
56	320.104,79	1.003,00	1.583,67	2.586,67	318.521,12	63.374,45	81.478,88	144.853,33
57	318.521,12	998,03	1.588,63	2.586,67	316.932,49	64.372,49	83.067,51	147.440,00
58	316.932,49	993,06	1.593,61	2.586,67	315.338,88	65.365,54	84.661,12	150.026,67
59	315.338,88	988,06	1.598,60	2.586,67	313.740,27	66.353,60	86.259,73	152.613,33
60	313.740,27	983,05	1.603,61	2.586,67	312.136,66	67.336,66	87.863,34	155.200,00
61	312.136,66	978,03	1.608,64	2.586,67	310.528,02	68.314,69	89.471,98	157.786,67
62	310.528,02	972,99	1.613,68	2.586,67	308.914,34	69.287,67	91.085,66	160.373,33
63	308.914,34	967,93	1.618,74	2.586,67	307.295,60	70.255,60	92.704,40	162.960,00
64	307.295,60	962,86	1.623,81	2.586,67	305.671,80	71.218,46	94.328,20	165.546,67
65	305.671,80	957,77	1.628,90	2.586,67	304.042,90	72.176,24	95.957,10	168.133,33
66	304.042,90	952,67	1.634,00	2.586,67	302.408,90	73.128,90	97.591,10	170.720,00
67	302.408,90	947,55	1.639,12	2.586,67	300.769,78	74.076,45	99.230,22	173.306,67
68	300.769,78	942,41	1.644,25	2.586,67	299.125,53	75.018,86	100.874,47	175.893,33
69	299.125,53	937,26	1.649,41	2.586,67	297.476,12	75.956,12	102.523,88	178.480,00
70	297.476,12	932,09	1.654,57	2.586,67	295.821,55	76.888,22	104.178,45	181.066,67
71	295.821,55	926,91	1.659,76	2.586,67	294.161,79	77.815,12	105.838,21	183.653,33
72	294.161,79	921,71	1.664,96	2.586,67	292.496,83	78.736,83	107.503,17	186.240,00
73	292.496,83	916,49	1.670,18	2.586,67	290.826,65	79.653,32	109.173,35	188.826,67
74	290.826,65	911,26	1.675,41	2.586,67	289.151,24	80.564,58	110.848,76	191.413,33
75	289.151,24	906,01	1.680,66	2.586,67	287.470,58	81.470,58	112.529,42	194.000,00
76	287.470,58	900,74	1.685,93	2.586,67	285.784,66	82.371,33	114.215,34	196.586,67
77	285.784,66	895,46	1.691,21	2.586,67	284.093,45	83.266,78	115.906,55	199.173,33
78	284.093,45	890,16	1.696,51	2.586,67	282.396,94	84.156,94	117.603,06	201.760,00
79	282.396,94	884,84	1.701,82	2.586,67	280.695,12	85.041,79	119.304,88	204.346,67
80	280.695,12	879,51	1.707,16	2.586,67	278.987,97	85.921,30	121.012,03	206.933,33
81	278.987,97	874,16	1.712,50	2.586,67	277.275,46	86.795,46	122.724,54	209.520,00
82	277.275,46	868,80	1.717,87	2.586,67	275.557,59	87.664,26	124.442,41	212.106,67
83	275.557,59	863,41	1.723,25	2.586,67	273.834,34	88.527,67	126.165,66	214.693,33
84	273.834,34	858,01	1.728,65	2.586,67	272.105,69	89.385,69	127.894,31	217.280,00
85	272.105,69	852,60	1.734,07	2.586,67	270.371,62	90.238,28	129.628,38	219.866,67
86	270.371,62	847,16	1.739,50	2.586,67	268.632,11	91.085,45	131.367,89	222.453,33
87	268.632,11	841,71	1.744,95	2.586,67	266.887,16	91.927,16	133.112,84	225.040,00
88	266.887,16	836,25	1.750,42	2.586,67	265.136,74	92.763,41	134.863,26	227.626,67
89	265.136,74	830,76	1.755,90	2.586,67	263.380,84	93.594,17	136.619,16	230.213,33
90	263.380,84	825,26	1.761,41	2.586,67	261.619,43	94.419,43	138.380,57	232.800,00
91	261.619,43	819,74	1.766,93	2.586,67	259.852,50	95.239,17	140.147,50	235.386,67
92	259.852,50	814,20	1.772,46	2.586,67	258.080,04	96.053,37	141.919,96	237.973,33
93	258.080,04	808,65	1.778,02	2.586,67	256.302,03	96.862,03	143.697,97	240.560,00
94	256.302,03	803,08	1.783,59	2.586,67	254.518,44	97.665,11	145.481,56	243.146,67
95	254.518,44	797,49	1.789,18	2.586,67	252.729,26	98.462,60	147.270,74	245.733,33
96	252.729,26	791,89	1.794,78	2.586,67	250.934,48	99.254,48	149.065,52	248.320,00
97	250.934,48	786,26	1.800,41	2.586,67	249.134,08	100.040,74	150.865,92	250.906,67
98	249.134,08	780,62	1.806,05	2.586,67	247.328,03	100.821,36	152.671,97	253.493,33
99	247.328,03	774,96	1.811,71	2.586,67	245.516,32	101.596,32	154.483,68	256.080,00
100	245.516,32	769,28	1.817,38	2.586,67	243.698,94	102.365,61	156.301,06	258.666,67
101	243.698,94	763,59	1.823,08	2.586,67	241.875,87	103.129,20	158.124,13	261.253,33
102	241.875,87	757,88	1.828,79	2.586,67	240.047,08	103.887,08	159.952,92	263.840,00
103	240.047,08	752,15	1.834,52	2.586,67	238.212,56	104.639,22	161.787,44	266.426,67
104	238.212,56	746,40	1.840,27	2.586,67	236.372,29	105.385,62	163.627,71	269.013,33
105	236.372,29	740,63	1.846,03	2.586,67	234.526,26	106.126,26	165.473,74	271.600,00
106	234.526,26	734,85	1.851,82	2.586,67	232.674,44	106.861,11	167.325,56	274.186,67
107	232.674,44	729,05	1.857,62	2.586,67	230.816,82	107.590,15	169.183,18	276.773,33
108	230.816,82	723,23	1.863,44	2.586,67	228.953,38	108.313,38	171.046,62	279.360,00
109	228.953,38	717,39	1.869,28	2.586,67	227.084,10	109.030,77	172.915,90	281.946,67
110	227.084,10	711,53	1.875,14	2.586,67	225.208,96	109.742,30	174.791,04	284.533,33
111	225.208,96	705,65	1.881,01	2.586,67	223.327,95	110.447,95	176.672,05	287.120,00
112	223.327,95	699,76	1.886,91	2.586,67	221.441,04	111.147,71	178.558,96	289.706,67
113	221.441,04	693,85	1.892,82	2.586,67	219.548,23	111.841,56	180.451,77	292.293,33
114	219.548,23	687,92	1.898,75	2.586,67	217.649,48	112.529,48	182.350,52	294.880,00
115	217.649,48	681,97	1.904,70	2.586,67	215.744,78	113.211,45	184.255,22	297.466,67
116	215.744,78	676,00	1.910,67	2.586,67	213.834,11	113.887,45	186.165,89	300.053,33
117	213.834,11	670,01	1.916,65	2.586,67	211.917,46	114.557,46	188.082,54	302.640,00
118	211.917,46	664,01	1.922,66	2.586,67	209.994,80	115.221,47	190.005,20	305.226,67
119	209.994,80	657,98	1.928,68	2.586,67	208.066,12	115.879,45	191.933,88	307.813,33
120	208.066,12	651,94	1.934,73	2.586,67	206.131,39	116.531,39	193.868,61	310.400,00
121	206.131,39	645,88	1.940,79	2.586,67	204.190,60	117.177,27	195.809,40	312.986,67
122	204.190,60	639,80	1.946,87	2.586,67	202.243,73	117.817,07	197.756,27	315.573,33
123	202.243,73	633,70	1.952,97	2.586,67	200.290,76	118.450,76	199.709,24	318.160,00
124	200.290,76	627,58	1.959,09	2.586,67	198.331,68	119.078,34	201.668,32	320.746,67
125	198.331,68	621,44	1.965,23	2.586,67	196.366,45	119.699,78	203.633,55	323.333,33
126	196.366,45	615,28	1.971,39	2.586,67	194.395,06	120.315,06	205.604,94	325.920,00
127	194.395,06	609,10	1.977,56	2.586,67	192.417,50	120.924,17	207.582,50	328.506,67
128	192.417,50	602,91	1.983,76	2.586,67	190.433,74	121.527,08	209.566,26	331.093,33
129	190.433,74	596,69	1.989,97	2.586,67	188.443,77	122.123,77	211.556,23	333.680,00
130	188.443,77	590,46	1.996,21	2.586,67	186.447,56	122.714,23	213.552,44	336.266,67
131	186.447,56	584,20	2.002,46	2.586,67	184.445,09	123.298,43	215.554,91	338.853,33
132	184.445,09	577,93	2.008,74	2.586,67	182.436,36	123.876,36	217.563,64	341.440,00
133	182.436,36	571,63	2.015,03	2.586,67	180.421,32	124.447,99	219.578,68	344.026,67
134	180.421,32	565,32	2.021,35	2.586,67	178.399,98	125.013,31	221.600,02	346.613,33
135	178.399,98	558,99	2.027,68	2.586,67	176.372,30	125.572,30	223.627,70	349.200,00
136	176.372,30	552,63	2.034,03	2.586,67	174.338,26	126.124,93	225.661,74	351.786,67
137	174.338,26	546,26	2.040,41	2.586,67	172.297,86	126.671,19	227.702,14	354.373,33
138	172.297,86	539,87	2.046,80	2.586,67	170.251,06	127.211,06	229.748,94	356.960,00
139	170.251,06	533,45	2.053,21	2.586,67	168.197,84	127.744,51	231.802,16	359.546,67
140	168.197,84	527,02	2.059,65	2.586,67	166.138,20	128.271,53	233.861,80	362.133,33
141	166.138,20	520,57	2.066,10	2.586,67	164.072,10	128.792,10	235.927,90	364.720,00
142	164.072,10	514,09	2.072,57	2.586,67	161.999,52	129.306,19	238.000,48	367.306,67
143	161.999,52	507,60	2.079,07	2.586,67	159.920,45	129.813,79	240.079,55	369.893,33
144	159.920,45	501,08	2.085,58	2.586,67	157.834,87	130.314,87	242.165,13	372.480,00
145	157.834,87	494,55	2.092,12	2.586,67	155.742,75	130.809,42	244.257,25	375.066,67
146	155.742,75	487,99	2.098,67	2.586,67	153.644,08	131.297,41	246.355,92	377.653,33
147	153.644,08	481,42	2.105,25	2.586,67	151.538,83	131.778,83	248.461,17	380.240,00
148	151.538,83	474,82	2.111,84	2.586,67	149.426,99	132.253,65	250.573,01	382.826,67
149	149.426,99	468,20	2.118,46	2.586,67	147.308,52	132.721,86	252.691,48	385.413,33
150	147.308,52	461,57	2.125,10	2.586,67	145.183,43	133.183,43	254.816,57	388.000,00
151	145.183,43	454,91	2.131,76	2.586,67	143.051,67	133.638,33	256.948,33	390.586,67
152	143.051,67	448,23	2.138,44	2.586,67	140.913,23	134.086,56	259.086,77	393.173,33
153	140.913,23	441,53	2.145,14	2.586,67	138.768,09	134.528,09	261.231,91	395.760,00
154	138.768,09	434,81	2.151,86	2.586,67	136.616,23	134.962,90	263.383,77	398.346,67
155	136.616,23	428,06	2.158,60	2.586,67	134.457,63	135.390,96	265.542,37	400.933,33
156	134.457,63	421,30	2.165,37	2.586,67	132.292,26	135.812,26	267.707,74	403.520,00
157	132.292,26	414,52	2.172,15	2.586,67	130.120,11	136.226,78	269.879,89	406.106,67
158	130.120,11	407,71	2.178,96	2.586,67	127.941,15	136.634,49	272.058,85	408.693,33
159	127.941,15	400,88	2.185,78	2.586,67	125.755,37	137.035,37	274.244,63	411.280,00
160	125.755,37	394,03	2.192,63	2.586,67	123.562,74	137.429,40	276.437,26	413.866,67
161	123.562,74	387,16	2.199,50	2.586,67	121.363,23	137.816,57	278.636,77	416.453,33
162	121.363,23	380,27	2.206,40	2.586,67	119.156,84	138.196,84	280.843,16	419.040,00
163	119.156,84	373,36	2.213,31	2.586,67	116.943,53	138.570,20	283.056,47	421.626,67
164	116.943,53	366,42	2.220,24	2.586,67	114.723,28	138.936,62	285.276,72	424.213,33
165	114.723,28	359,47	2.227,20	2.586,67	112.496,08	139.296,08	287.503,92	426.800,00
166	112.496,08	352,49	2.234,18	2.586,67	110.261,91	139.648,57	289.738,09	429.386,67
167	110.261,91	345,49	2.241,18	2.586,67	108.020,73	139.994,06	291.979,27	431.973,33
168	108.020,73	338,46	2.248,20	2.586,67	105.772,52	140.332,52	294.227,48	434.560,00
169	105.772,52	331,42	2.255,25	2.586,67	103.517,28	140.663,95	296.482,72	437.146,67
170	103.517,28	324,35	2.262,31	2.586,67	101.254,97	140.988,30	298.745,03	439.733,33
171	101.254,97	317,27	2.269,40	2.586,67	98.985,56	141.305,56	301.014,44	442.320,00
172	98.985,56	310,15	2.276,51	2.586,67	96.709,05	141.615,72	303.290,95	444.906,67
173	96.709,05	303,02	2.283,64	2.586,67	94.425,41	141.918,74	305.574,59	447.493,33
174	94.425,41	295,87	2.290,80	2.586,67	92.134,61	142.214,61	307.865,39	450.080,00
175	92.134,61	288,69	2.297,98	2.586,67	89.836,63	142.503,30	310.163,37	452.666,67
176	89.836,63	281,49	2.305,18	2.586,67	87.531,45	142.784,78	312.468,55	455.253,33
177	87.531,45	274,27	2.312,40	2.586,67	85.219,05	143.059,05	314.780,95	457.840,00
178	85.219,05	267,02	2.319,65	2.586,67	82.899,40	143.326,07	317.100,60	460.426,67
179	82.899,40	259,75	2.326,92	2.586,67	80.572,49	143.585,82	319.427,51	463.013,33
180	80.572,49	252,46	2.334,21	2.586,67	78.238,28	143.838,28	321.761,72	465.600,00
181	78.238,28	245,15	2.341,52	2.586,67	75.896,76	144.083,43	324.103,24	468.186,67
182	75.896,76	237,81	2.348,86	2.586,67	73.547,90	144.321,24	326.452,10	470.773,33
183	73.547,90	230,45	2.356,22	2.586,67	71.191,69	144.551,69	328.808,31	473.360,00
184	71.191,69	223,07	2.363,60	2.586,67	68.828,09	144.774,75	331.171,91	475.946,67
185	68.828,09	215,66	2.371,01	2.586,67	66.457,08	144.990,42	333.542,92	478.533,33
186	66.457,08	208,23	2.378,43	2.586,67	64.078,65	145.198,65	335.921,35	481.120,00
187	64.078,65	200,78	2.385,89	2.586,67	61.692,76	145.399,43	338.307,24	483.706,67
188	61.692,76	193,30	2.393,36	2.586,67	59.299,40	145.592,73	340.700,60	486.293,33
189	59.299,40	185,80	2.400,86	2.586,67	56.898,54	145.778,54	343.101,46	488.880,00
190	56.898,54	178,28	2.408,38	2.586,67	54.490,15	145.956,82	345.509,85	491.466,67
191	54.490,15	170,74	2.415,93	2.586,67	52.074,22	146.127,55	347.925,78	494.053,33
192	52.074,22	163,17	2.423,50	2.586,67	49.650,72	146.290,72	350.349,28	496.640,00
193	49.650,72	155,57	2.431,09	2.586,67	47.219,63	146.446,29	352.780,37	499.226,67
194	47.219,63	147,95	2.438,71	2.586,67	44.780,91	146.594,25	355.219,09	501.813,33
195	44.780,91	140,31	2.446,35	2.586,67	42.334,56	146.734,56	357.665,44	504.400,00
196	42.334,56	132,65	2.454,02	2.586,67	39.880,54	146.867,21	360.119,46	506.986,67
197	39.880,54	124,96	2.461,71	2.586,67	37.418,84	146.992,17	362.581,16	509.573,33
198	37.418,84	117,25	2.469,42	2.586,67	34.949,41	147.109,41	365.050,59	512.160,00
199	34.949,41	109,51	2.477,16	2.586,67	32.472,26	147.218,92	367.527,74	514.746,67
200	32.472,26	101,75	2.484,92	2.586,67	29.987,34	147.320,67	370.012,66	517.333,33
201	29.987,34	93,96	2.492,71	2.586,67	27.494,63	147.414,63	372.505,37	519.920,00
202	27.494,63	86,15	2.500,52	2.586,67	24.994,11	147.500,78	375.005,89	522.506,67
203	24.994,11	78,31	2.508,35	2.586,67	22.485,76	147.579,09	377.514,24	525.093,33
204	22.485,76	70,46	2.516,21	2.586,67	19.969,55	147.649,55	380.030,45	527.680,00
205	19.969,55	62,57	2.524,10	2.586,67	17.445,45	147.712,12	382.554,55	530.266,67
206	17.445,45	54,66	2.532,00	2.586,67	14.913,45	147.766,78	385.086,55	532.853,33
207	14.913,45	46,73	2.539,94	2.586,67	12.373,51	147.813,51	387.626,49	535.440,00
208	12.373,51	38,77	2.547,90	2.586,67	9.825,62	147.852,28	390.174,38	538.026,67
209	9.825,62	30,79	2.555,88	2.586,67	7.269,74	147.883,07	392.730,26	540.613,33
210	7.269,74	22,78	2.563,89	2.586,67	4.705,85	147.905,85	395.294,15	543.200,00
211	4.705,85	14,74	2.571,92	2.586,67	2.133,93	147.920,59	397.866,07	545.786,67
212	2.133,93	6,69	2.133,93	2.133,93	2.133,93	147.927,28	400.000,00	547.927,28

Baufinanzierung

4.03/5,00

150.451,14€
Zinsanteil

2.613,33€
Monatsrate

3,84%
Sollzins p.a.

3,91%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 1.487,50 €;Gesamtbetrag: 178.500,00 €;Anzahl Kreditraten: 120;Laufzeit: 332 Monate;Effektiver Jahreszins: 4,02 %;Gebundener Sollzins: 3,95 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.280,00	1.333,33	2.613,33	398.666,67	1.280,00	1.333,33	2.613,33
2	398.666,67	1.275,73	1.337,60	2.613,33	397.329,07	2.555,73	2.670,93	5.226,67
3	397.329,07	1.271,45	1.341,88	2.613,33	395.987,19	3.827,19	4.012,81	7.840,00
4	395.987,19	1.267,16	1.346,17	2.613,33	394.641,01	5.094,35	5.358,99	10.453,33
5	394.641,01	1.262,85	1.350,48	2.613,33	393.290,53	6.357,20	6.709,47	13.066,67
6	393.290,53	1.258,53	1.354,80	2.613,33	391.935,73	7.615,73	8.064,27	15.680,00
7	391.935,73	1.254,19	1.359,14	2.613,33	390.576,59	8.869,92	9.423,41	18.293,33
8	390.576,59	1.249,85	1.363,49	2.613,33	389.213,10	10.119,77	10.786,90	20.906,67
9	389.213,10	1.245,48	1.367,85	2.613,33	387.845,25	11.365,25	12.154,75	23.520,00
10	387.845,25	1.241,10	1.372,23	2.613,33	386.473,02	12.606,35	13.526,98	26.133,33
11	386.473,02	1.236,71	1.376,62	2.613,33	385.096,40	13.843,07	14.903,60	28.746,67
12	385.096,40	1.232,31	1.381,02	2.613,33	383.715,37	15.075,37	16.284,63	31.360,00
13	383.715,37	1.227,89	1.385,44	2.613,33	382.329,93	16.303,26	17.670,07	33.973,33
14	382.329,93	1.223,46	1.389,88	2.613,33	380.940,05	17.526,72	19.059,95	36.586,67
15	380.940,05	1.219,01	1.394,33	2.613,33	379.545,73	18.745,73	20.454,27	39.200,00
16	379.545,73	1.214,55	1.398,79	2.613,33	378.146,94	19.960,27	21.853,06	41.813,33
17	378.146,94	1.210,07	1.403,26	2.613,33	376.743,68	21.170,34	23.256,32	44.426,67
18	376.743,68	1.205,58	1.407,75	2.613,33	375.335,92	22.375,92	24.664,08	47.040,00
19	375.335,92	1.201,07	1.412,26	2.613,33	373.923,67	23.577,00	26.076,33	49.653,33
20	373.923,67	1.196,56	1.416,78	2.613,33	372.506,89	24.773,55	27.493,11	52.266,67
21	372.506,89	1.192,02	1.421,31	2.613,33	371.085,58	25.965,58	28.914,42	54.880,00
22	371.085,58	1.187,47	1.425,86	2.613,33	369.659,72	27.153,05	30.340,28	57.493,33
23	369.659,72	1.182,91	1.430,42	2.613,33	368.229,29	28.335,96	31.770,71	60.106,67
24	368.229,29	1.178,33	1.435,00	2.613,33	366.794,30	29.514,30	33.205,70	62.720,00
25	366.794,30	1.173,74	1.439,59	2.613,33	365.354,70	30.688,04	34.645,30	65.333,33
26	365.354,70	1.169,14	1.444,20	2.613,33	363.910,51	31.857,17	36.089,49	67.946,67
27	363.910,51	1.164,51	1.448,82	2.613,33	362.461,69	33.021,69	37.538,31	70.560,00
28	362.461,69	1.159,88	1.453,46	2.613,33	361.008,23	34.181,56	38.991,77	73.173,33
29	361.008,23	1.155,23	1.458,11	2.613,33	359.550,12	35.336,79	40.449,88	75.786,67
30	359.550,12	1.150,56	1.462,77	2.613,33	358.087,35	36.487,35	41.912,65	78.400,00
31	358.087,35	1.145,88	1.467,45	2.613,33	356.619,90	37.633,23	43.380,10	81.013,33
32	356.619,90	1.141,18	1.472,15	2.613,33	355.147,75	38.774,41	44.852,25	83.626,67
33	355.147,75	1.136,47	1.476,86	2.613,33	353.670,89	39.910,89	46.329,11	86.240,00
34	353.670,89	1.131,75	1.481,59	2.613,33	352.189,30	41.042,63	47.810,70	88.853,33
35	352.189,30	1.127,01	1.486,33	2.613,33	350.702,97	42.169,64	49.297,03	91.466,67
36	350.702,97	1.122,25	1.491,08	2.613,33	349.211,89	43.291,89	50.788,11	94.080,00
37	349.211,89	1.117,48	1.495,86	2.613,33	347.716,03	44.409,37	52.283,97	96.693,33
38	347.716,03	1.112,69	1.500,64	2.613,33	346.215,39	45.522,06	53.784,61	99.306,67
39	346.215,39	1.107,89	1.505,44	2.613,33	344.709,95	46.629,95	55.290,05	101.920,00
40	344.709,95	1.103,07	1.510,26	2.613,33	343.199,69	47.733,02	56.800,31	104.533,33
41	343.199,69	1.098,24	1.515,09	2.613,33	341.684,59	48.831,26	58.315,41	107.146,67
42	341.684,59	1.093,39	1.519,94	2.613,33	340.164,65	49.924,65	59.835,35	109.760,00
43	340.164,65	1.088,53	1.524,81	2.613,33	338.639,84	51.013,17	61.360,16	112.373,33
44	338.639,84	1.083,65	1.529,69	2.613,33	337.110,16	52.096,82	62.889,84	114.986,67
45	337.110,16	1.078,75	1.534,58	2.613,33	335.575,57	53.175,57	64.424,43	117.600,00
46	335.575,57	1.073,84	1.539,49	2.613,33	334.036,08	54.249,42	65.963,92	120.213,33
47	334.036,08	1.068,92	1.544,42	2.613,33	332.491,67	55.318,33	67.508,33	122.826,67
48	332.491,67	1.063,97	1.549,36	2.613,33	330.942,31	56.382,31	69.057,69	125.440,00
49	330.942,31	1.059,02	1.554,32	2.613,33	329.387,99	57.441,32	70.612,01	128.053,33
50	329.387,99	1.054,04	1.559,29	2.613,33	327.828,70	58.495,36	72.171,30	130.666,67
51	327.828,70	1.049,05	1.564,28	2.613,33	326.264,41	59.544,41	73.735,59	133.280,00
52	326.264,41	1.044,05	1.569,29	2.613,33	324.695,13	60.588,46	75.304,87	135.893,33
53	324.695,13	1.039,02	1.574,31	2.613,33	323.120,82	61.627,48	76.879,18	138.506,67
54	323.120,82	1.033,99	1.579,35	2.613,33	321.541,47	62.661,47	78.458,53	141.120,00
55	321.541,47	1.028,93	1.584,40	2.613,33	319.957,07	63.690,40	80.042,93	143.733,33
56	319.957,07	1.023,86	1.589,47	2.613,33	318.367,60	64.714,27	81.632,40	146.346,67
57	318.367,60	1.018,78	1.594,56	2.613,33	316.773,04	65.733,04	83.226,96	148.960,00
58	316.773,04	1.013,67	1.599,66	2.613,33	315.173,38	66.746,72	84.826,62	151.573,33
59	315.173,38	1.008,55	1.604,78	2.613,33	313.568,61	67.755,27	86.431,39	154.186,67
60	313.568,61	1.003,42	1.609,91	2.613,33	311.958,69	68.758,69	88.041,31	156.800,00
61	311.958,69	998,27	1.615,07	2.613,33	310.343,63	69.756,96	89.656,37	159.413,33
62	310.343,63	993,10	1.620,23	2.613,33	308.723,39	70.750,06	91.276,61	162.026,67
63	308.723,39	987,91	1.625,42	2.613,33	307.097,97	71.737,97	92.902,03	164.640,00
64	307.097,97	982,71	1.630,62	2.613,33	305.467,35	72.720,69	94.532,65	167.253,33
65	305.467,35	977,50	1.635,84	2.613,33	303.831,52	73.698,18	96.168,48	169.866,67
66	303.831,52	972,26	1.641,07	2.613,33	302.190,44	74.670,44	97.809,56	172.480,00
67	302.190,44	967,01	1.646,32	2.613,33	300.544,12	75.637,45	99.455,88	175.093,33
68	300.544,12	961,74	1.651,59	2.613,33	298.892,53	76.599,19	101.107,47	177.706,67
69	298.892,53	956,46	1.656,88	2.613,33	297.235,65	77.555,65	102.764,35	180.320,00
70	297.235,65	951,15	1.662,18	2.613,33	295.573,47	78.506,80	104.426,53	182.933,33
71	295.573,47	945,84	1.667,50	2.613,33	293.905,97	79.452,64	106.094,03	185.546,67
72	293.905,97	940,50	1.672,83	2.613,33	292.233,14	80.393,14	107.766,86	188.160,00
73	292.233,14	935,15	1.678,19	2.613,33	290.554,95	81.328,28	109.445,05	190.773,33
74	290.554,95	929,78	1.683,56	2.613,33	288.871,39	82.258,06	111.128,61	193.386,67
75	288.871,39	924,39	1.688,94	2.613,33	287.182,45	83.182,45	112.817,55	196.000,00
76	287.182,45	918,98	1.694,35	2.613,33	285.488,10	84.101,43	114.511,90	198.613,33
77	285.488,10	913,56	1.699,77	2.613,33	283.788,33	85.014,99	116.211,67	201.226,67
78	283.788,33	908,12	1.705,21	2.613,33	282.083,12	85.923,12	117.916,88	203.840,00
79	282.083,12	902,67	1.710,67	2.613,33	280.372,45	86.825,78	119.627,55	206.453,33
80	280.372,45	897,19	1.716,14	2.613,33	278.656,31	87.722,98	121.343,69	209.066,67
81	278.656,31	891,70	1.721,63	2.613,33	276.934,68	88.614,68	123.065,32	211.680,00
82	276.934,68	886,19	1.727,14	2.613,33	275.207,53	89.500,87	124.792,47	214.293,33
83	275.207,53	880,66	1.732,67	2.613,33	273.474,86	90.381,53	126.525,14	216.906,67
84	273.474,86	875,12	1.738,21	2.613,33	271.736,65	91.256,65	128.263,35	219.520,00
85	271.736,65	869,56	1.743,78	2.613,33	269.992,87	92.126,21	130.007,13	222.133,33
86	269.992,87	863,98	1.749,36	2.613,33	268.243,52	92.990,18	131.756,48	224.746,67
87	268.243,52	858,38	1.754,95	2.613,33	266.488,56	93.848,56	133.511,44	227.360,00
88	266.488,56	852,76	1.760,57	2.613,33	264.727,99	94.701,33	135.272,01	229.973,33
89	264.727,99	847,13	1.766,20	2.613,33	262.961,79	95.548,46	137.038,21	232.586,67
90	262.961,79	841,48	1.771,86	2.613,33	261.189,93	96.389,93	138.810,07	235.200,00
91	261.189,93	835,81	1.777,53	2.613,33	259.412,41	97.225,74	140.587,59	237.813,33
92	259.412,41	830,12	1.783,21	2.613,33	257.629,20	98.055,86	142.370,80	240.426,67
93	257.629,20	824,41	1.788,92	2.613,33	255.840,28	98.880,28	144.159,72	243.040,00
94	255.840,28	818,69	1.794,64	2.613,33	254.045,63	99.698,96	145.954,37	245.653,33
95	254.045,63	812,95	1.800,39	2.613,33	252.245,24	100.511,91	147.754,76	248.266,67
96	252.245,24	807,18	1.806,15	2.613,33	250.439,09	101.319,09	149.560,91	250.880,00
97	250.439,09	801,41	1.811,93	2.613,33	248.627,17	102.120,50	151.372,83	253.493,33
98	248.627,17	795,61	1.817,73	2.613,33	246.809,44	102.916,11	153.190,56	256.106,67
99	246.809,44	789,79	1.823,54	2.613,33	244.985,90	103.705,90	155.014,10	258.720,00
100	244.985,90	783,95	1.829,38	2.613,33	243.156,52	104.489,85	156.843,48	261.333,33
101	243.156,52	778,10	1.835,23	2.613,33	241.321,29	105.267,95	158.678,71	263.946,67
102	241.321,29	772,23	1.841,11	2.613,33	239.480,18	106.040,18	160.519,82	266.560,00
103	239.480,18	766,34	1.847,00	2.613,33	237.633,18	106.806,52	162.366,82	269.173,33
104	237.633,18	760,43	1.852,91	2.613,33	235.780,28	107.566,94	164.219,72	271.786,67
105	235.780,28	754,50	1.858,84	2.613,33	233.921,44	108.321,44	166.078,56	274.400,00
106	233.921,44	748,55	1.864,78	2.613,33	232.056,66	109.069,99	167.943,34	277.013,33
107	232.056,66	742,58	1.870,75	2.613,33	230.185,90	109.812,57	169.814,10	279.626,67
108	230.185,90	736,59	1.876,74	2.613,33	228.309,17	110.549,17	171.690,83	282.240,00
109	228.309,17	730,59	1.882,74	2.613,33	226.426,42	111.279,75	173.573,58	284.853,33
110	226.426,42	724,56	1.888,77	2.613,33	224.537,65	112.004,32	175.462,35	287.466,67
111	224.537,65	718,52	1.894,81	2.613,33	222.642,84	112.722,84	177.357,16	290.080,00
112	222.642,84	712,46	1.900,88	2.613,33	220.741,96	113.435,30	179.258,04	292.693,33
113	220.741,96	706,37	1.906,96	2.613,33	218.835,00	114.141,67	181.165,00	295.306,67
114	218.835,00	700,27	1.913,06	2.613,33	216.921,94	114.841,94	183.078,06	297.920,00
115	216.921,94	694,15	1.919,18	2.613,33	215.002,76	115.536,09	184.997,24	300.533,33
116	215.002,76	688,01	1.925,32	2.613,33	213.077,44	116.224,10	186.922,56	303.146,67
117	213.077,44	681,85	1.931,49	2.613,33	211.145,95	116.905,95	188.854,05	305.760,00
118	211.145,95	675,67	1.937,67	2.613,33	209.208,28	117.581,62	190.791,72	308.373,33
119	209.208,28	669,47	1.943,87	2.613,33	207.264,42	118.251,08	192.735,58	310.986,67
120	207.264,42	663,25	1.950,09	2.613,33	205.314,33	118.914,33	194.685,67	313.600,00
121	205.314,33	657,01	1.956,33	2.613,33	203.358,00	119.571,34	196.642,00	316.213,33
122	203.358,00	650,75	1.962,59	2.613,33	201.395,41	120.222,08	198.604,59	318.826,67
123	201.395,41	644,47	1.968,87	2.613,33	199.426,55	120.866,55	200.573,45	321.440,00
124	199.426,55	638,16	1.975,17	2.613,33	197.451,38	121.504,71	202.548,62	324.053,33
125	197.451,38	631,84	1.981,49	2.613,33	195.469,89	122.136,56	204.530,11	326.666,67
126	195.469,89	625,50	1.987,83	2.613,33	193.482,06	122.762,06	206.517,94	329.280,00
127	193.482,06	619,14	1.994,19	2.613,33	191.487,87	123.381,20	208.512,13	331.893,33
128	191.487,87	612,76	2.000,57	2.613,33	189.487,30	123.993,96	210.512,70	334.506,67
129	189.487,30	606,36	2.006,97	2.613,33	187.480,32	124.600,32	212.519,68	337.120,00
130	187.480,32	599,94	2.013,40	2.613,33	185.466,93	125.200,26	214.533,07	339.733,33
131	185.466,93	593,49	2.019,84	2.613,33	183.447,09	125.793,75	216.552,91	342.346,67
132	183.447,09	587,03	2.026,30	2.613,33	181.420,78	126.380,78	218.579,22	344.960,00
133	181.420,78	580,55	2.032,79	2.613,33	179.388,00	126.961,33	220.612,00	347.573,33
134	179.388,00	574,04	2.039,29	2.613,33	177.348,71	127.535,37	222.651,29	350.186,67
135	177.348,71	567,52	2.045,82	2.613,33	175.302,89	128.102,89	224.697,11	352.800,00
136	175.302,89	560,97	2.052,36	2.613,33	173.250,52	128.663,86	226.749,48	355.413,33
137	173.250,52	554,40	2.058,93	2.613,33	171.191,59	129.218,26	228.808,41	358.026,67
138	171.191,59	547,81	2.065,52	2.613,33	169.126,07	129.766,07	230.873,93	360.640,00
139	169.126,07	541,20	2.072,13	2.613,33	167.053,94	130.307,28	232.946,06	363.253,33
140	167.053,94	534,57	2.078,76	2.613,33	164.975,18	130.841,85	235.024,82	365.866,67
141	164.975,18	527,92	2.085,41	2.613,33	162.889,77	131.369,77	237.110,23	368.480,00
142	162.889,77	521,25	2.092,09	2.613,33	160.797,68	131.891,02	239.202,32	371.093,33
143	160.797,68	514,55	2.098,78	2.613,33	158.698,90	132.405,57	241.301,10	373.706,67
144	158.698,90	507,84	2.105,50	2.613,33	156.593,41	132.913,41	243.406,59	376.320,00
145	156.593,41	501,10	2.112,23	2.613,33	154.481,17	133.414,50	245.518,83	378.933,33
146	154.481,17	494,34	2.118,99	2.613,33	152.362,18	133.908,84	247.637,82	381.546,67
147	152.362,18	487,56	2.125,77	2.613,33	150.236,40	134.396,40	249.763,60	384.160,00
148	150.236,40	480,76	2.132,58	2.613,33	148.103,83	134.877,16	251.896,17	386.773,33
149	148.103,83	473,93	2.139,40	2.613,33	145.964,43	135.351,09	254.035,57	389.386,67
150	145.964,43	467,09	2.146,25	2.613,33	143.818,18	135.818,18	256.181,82	392.000,00
151	143.818,18	460,22	2.153,12	2.613,33	141.665,06	136.278,40	258.334,94	394.613,33
152	141.665,06	453,33	2.160,01	2.613,33	139.505,06	136.731,72	260.494,94	397.226,67
153	139.505,06	446,42	2.166,92	2.613,33	137.338,14	137.178,14	262.661,86	399.840,00
154	137.338,14	439,48	2.173,85	2.613,33	135.164,29	137.617,62	264.835,71	402.453,33
155	135.164,29	432,53	2.180,81	2.613,33	132.983,48	138.050,15	267.016,52	405.066,67
156	132.983,48	425,55	2.187,79	2.613,33	130.795,70	138.475,70	269.204,30	407.680,00
157	130.795,70	418,55	2.194,79	2.613,33	128.600,91	138.894,24	271.399,09	410.293,33
158	128.600,91	411,52	2.201,81	2.613,33	126.399,10	139.305,76	273.600,90	412.906,67
159	126.399,10	404,48	2.208,86	2.613,33	124.190,24	139.710,24	275.809,76	415.520,00
160	124.190,24	397,41	2.215,92	2.613,33	121.974,32	140.107,65	278.025,68	418.133,33
161	121.974,32	390,32	2.223,02	2.613,33	119.751,30	140.497,97	280.248,70	420.746,67
162	119.751,30	383,20	2.230,13	2.613,33	117.521,17	140.881,17	282.478,83	423.360,00
163	117.521,17	376,07	2.237,27	2.613,33	115.283,91	141.257,24	284.716,09	425.973,33
164	115.283,91	368,91	2.244,42	2.613,33	113.039,48	141.626,15	286.960,52	428.586,67
165	113.039,48	361,73	2.251,61	2.613,33	110.787,88	141.987,88	289.212,12	431.200,00
166	110.787,88	354,52	2.258,81	2.613,33	108.529,06	142.342,40	291.470,94	433.813,33
167	108.529,06	347,29	2.266,04	2.613,33	106.263,02	142.689,69	293.736,98	436.426,67
168	106.263,02	340,04	2.273,29	2.613,33	103.989,73	143.029,73	296.010,27	439.040,00
169	103.989,73	332,77	2.280,57	2.613,33	101.709,16	143.362,50	298.290,84	441.653,33
170	101.709,16	325,47	2.287,86	2.613,33	99.421,30	143.687,97	300.578,70	444.266,67
171	99.421,30	318,15	2.295,19	2.613,33	97.126,12	144.006,12	302.873,88	446.880,00
172	97.126,12	310,80	2.302,53	2.613,33	94.823,59	144.316,92	305.176,41	449.493,33
173	94.823,59	303,44	2.309,90	2.613,33	92.513,69	144.620,35	307.486,31	452.106,67
174	92.513,69	296,04	2.317,29	2.613,33	90.196,40	144.916,40	309.803,60	454.720,00
175	90.196,40	288,63	2.324,70	2.613,33	87.871,69	145.205,03	312.128,31	457.333,33
176	87.871,69	281,19	2.332,14	2.613,33	85.539,55	145.486,22	314.460,45	459.946,67
177	85.539,55	273,73	2.339,61	2.613,33	83.199,94	145.759,94	316.800,06	462.560,00
178	83.199,94	266,24	2.347,09	2.613,33	80.852,85	146.026,18	319.147,15	465.173,33
179	80.852,85	258,73	2.354,60	2.613,33	78.498,25	146.284,91	321.501,75	467.786,67
180	78.498,25	251,19	2.362,14	2.613,33	76.136,11	146.536,11	323.863,89	470.400,00
181	76.136,11	243,64	2.369,70	2.613,33	73.766,41	146.779,74	326.233,59	473.013,33
182	73.766,41	236,05	2.377,28	2.613,33	71.389,13	147.015,79	328.610,87	475.626,67
183	71.389,13	228,45	2.384,89	2.613,33	69.004,24	147.244,24	330.995,76	478.240,00
184	69.004,24	220,81	2.392,52	2.613,33	66.611,72	147.465,05	333.388,28	480.853,33
185	66.611,72	213,16	2.400,18	2.613,33	64.211,54	147.678,21	335.788,46	483.466,67
186	64.211,54	205,48	2.407,86	2.613,33	61.803,69	147.883,69	338.196,31	486.080,00
187	61.803,69	197,77	2.415,56	2.613,33	59.388,13	148.081,46	340.611,87	488.693,33
188	59.388,13	190,04	2.423,29	2.613,33	56.964,83	148.271,50	343.035,17	491.306,67
189	56.964,83	182,29	2.431,05	2.613,33	54.533,79	148.453,79	345.466,21	493.920,00
190	54.533,79	174,51	2.438,83	2.613,33	52.094,96	148.628,30	347.905,04	496.533,33
191	52.094,96	166,70	2.446,63	2.613,33	49.648,33	148.795,00	350.351,67	499.146,67
192	49.648,33	158,87	2.454,46	2.613,33	47.193,88	148.953,88	352.806,12	501.760,00
193	47.193,88	151,02	2.462,31	2.613,33	44.731,56	149.104,90	355.268,44	504.373,33
194	44.731,56	143,14	2.470,19	2.613,33	42.261,37	149.248,04	357.738,63	506.986,67
195	42.261,37	135,24	2.478,10	2.613,33	39.783,27	149.383,27	360.216,73	509.600,00
196	39.783,27	127,31	2.486,03	2.613,33	37.297,25	149.510,58	362.702,75	512.213,33
197	37.297,25	119,35	2.493,98	2.613,33	34.803,26	149.629,93	365.196,74	514.826,67
198	34.803,26	111,37	2.501,96	2.613,33	32.301,30	149.741,30	367.698,70	517.440,00
199	32.301,30	103,36	2.509,97	2.613,33	29.791,33	149.844,67	370.208,67	520.053,33
200	29.791,33	95,33	2.518,00	2.613,33	27.273,33	149.940,00	372.726,67	522.666,67
201	27.273,33	87,27	2.526,06	2.613,33	24.747,27	150.027,27	375.252,73	525.280,00
202	24.747,27	79,19	2.534,14	2.613,33	22.213,13	150.106,46	377.786,87	527.893,33
203	22.213,13	71,08	2.542,25	2.613,33	19.670,88	150.177,55	380.329,12	530.506,67
204	19.670,88	62,95	2.550,39	2.613,33	17.120,49	150.240,49	382.879,51	533.120,00
205	17.120,49	54,79	2.558,55	2.613,33	14.561,94	150.295,28	385.438,06	535.733,33
206	14.561,94	46,60	2.566,74	2.613,33	11.995,21	150.341,88	388.004,79	538.346,67
207	11.995,21	38,38	2.574,95	2.613,33	9.420,26	150.380,26	390.579,74	540.960,00
208	9.420,26	30,14	2.583,19	2.613,33	6.837,07	150.410,41	393.162,93	543.573,33
209	6.837,07	21,88	2.591,45	2.613,33	4.245,62	150.432,28	395.754,38	546.186,67
210	4.245,62	13,59	2.599,75	2.613,33	1.645,87	150.445,87	398.354,13	548.800,00
211	1.645,87	5,27	1.645,87	1.645,87	1.645,87	150.451,14	400.000,00	550.451,14

Baufinanzierung

3.97/5,00

152.331,31€
Zinsanteil

2.633,33€
Monatsrate

3,90%
Sollzins p.a.

3,97%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 1.435,00 €;Gesamtbetrag: 172.200,00 €;Anzahl Kreditraten: 120;Laufzeit: 339 Monate;Effektiver Jahreszins: 3,80 %;Gebundener Sollzins: 3,74 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.300,00	1.333,33	2.633,33	398.666,67	1.300,00	1.333,33	2.633,33
2	398.666,67	1.295,67	1.337,67	2.633,33	397.329,00	2.595,67	2.671,00	5.266,67
3	397.329,00	1.291,32	1.342,01	2.633,33	395.986,99	3.886,99	4.013,01	7.900,00
4	395.986,99	1.286,96	1.346,38	2.633,33	394.640,61	5.173,94	5.359,39	10.533,33
5	394.640,61	1.282,58	1.350,75	2.633,33	393.289,86	6.456,53	6.710,14	13.166,67
6	393.289,86	1.278,19	1.355,14	2.633,33	391.934,72	7.734,72	8.065,28	15.800,00
7	391.934,72	1.273,79	1.359,55	2.633,33	390.575,17	9.008,51	9.424,83	18.433,33
8	390.575,17	1.269,37	1.363,96	2.633,33	389.211,21	10.277,87	10.788,79	21.066,67
9	389.211,21	1.264,94	1.368,40	2.633,33	387.842,81	11.542,81	12.157,19	23.700,00
10	387.842,81	1.260,49	1.372,84	2.633,33	386.469,97	12.803,30	13.530,03	26.333,33
11	386.469,97	1.256,03	1.377,31	2.633,33	385.092,66	14.059,33	14.907,34	28.966,67
12	385.092,66	1.251,55	1.381,78	2.633,33	383.710,88	15.310,88	16.289,12	31.600,00
13	383.710,88	1.247,06	1.386,27	2.633,33	382.324,61	16.557,94	17.675,39	34.233,33
14	382.324,61	1.242,55	1.390,78	2.633,33	380.933,83	17.800,49	19.066,17	36.866,67
15	380.933,83	1.238,03	1.395,30	2.633,33	379.538,53	19.038,53	20.461,47	39.500,00
16	379.538,53	1.233,50	1.399,83	2.633,33	378.138,70	20.272,03	21.861,30	42.133,33
17	378.138,70	1.228,95	1.404,38	2.633,33	376.734,31	21.500,98	23.265,69	44.766,67
18	376.734,31	1.224,39	1.408,95	2.633,33	375.325,37	22.725,37	24.674,63	47.400,00
19	375.325,37	1.219,81	1.413,53	2.633,33	373.911,84	23.945,17	26.088,16	50.033,33
20	373.911,84	1.215,21	1.418,12	2.633,33	372.493,72	25.160,39	27.506,28	52.666,67
21	372.493,72	1.210,60	1.422,73	2.633,33	371.070,99	26.370,99	28.929,01	55.300,00
22	371.070,99	1.205,98	1.427,35	2.633,33	369.643,64	27.576,97	30.356,36	57.933,33
23	369.643,64	1.201,34	1.431,99	2.633,33	368.211,65	28.778,31	31.788,35	60.566,67
24	368.211,65	1.196,69	1.436,65	2.633,33	366.775,00	29.975,00	33.225,00	63.200,00
25	366.775,00	1.192,02	1.441,31	2.633,33	365.333,69	31.167,02	34.666,31	65.833,33
26	365.333,69	1.187,33	1.446,00	2.633,33	363.887,69	32.354,36	36.112,31	68.466,67
27	363.887,69	1.182,63	1.450,70	2.633,33	362.436,99	33.536,99	37.563,01	71.100,00
28	362.436,99	1.177,92	1.455,41	2.633,33	360.981,58	34.714,91	39.018,42	73.733,33
29	360.981,58	1.173,19	1.460,14	2.633,33	359.521,43	35.888,10	40.478,57	76.366,67
30	359.521,43	1.168,44	1.464,89	2.633,33	358.056,55	37.056,55	41.943,45	79.000,00
31	358.056,55	1.163,68	1.469,65	2.633,33	356.586,90	38.220,23	43.413,10	81.633,33
32	356.586,90	1.158,91	1.474,43	2.633,33	355.112,47	39.379,14	44.887,53	84.266,67
33	355.112,47	1.154,12	1.479,22	2.633,33	353.633,25	40.533,25	46.366,75	86.900,00
34	353.633,25	1.149,31	1.484,03	2.633,33	352.149,23	41.682,56	47.850,77	89.533,33
35	352.149,23	1.144,48	1.488,85	2.633,33	350.660,38	42.827,05	49.339,62	92.166,67
36	350.660,38	1.139,65	1.493,69	2.633,33	349.166,69	43.966,69	50.833,31	94.800,00
37	349.166,69	1.134,79	1.498,54	2.633,33	347.668,15	45.101,48	52.331,85	97.433,33
38	347.668,15	1.129,92	1.503,41	2.633,33	346.164,74	46.231,41	53.835,26	100.066,67
39	346.164,74	1.125,04	1.508,30	2.633,33	344.656,44	47.356,44	55.343,56	102.700,00
40	344.656,44	1.120,13	1.513,20	2.633,33	343.143,24	48.476,57	56.856,76	105.333,33
41	343.143,24	1.115,22	1.518,12	2.633,33	341.625,12	49.591,79	58.374,88	107.966,67
42	341.625,12	1.110,28	1.523,05	2.633,33	340.102,07	50.702,07	59.897,93	110.600,00
43	340.102,07	1.105,33	1.528,00	2.633,33	338.574,07	51.807,40	61.425,93	113.233,33
44	338.574,07	1.100,37	1.532,97	2.633,33	337.041,10	52.907,77	62.958,90	115.866,67
45	337.041,10	1.095,38	1.537,95	2.633,33	335.503,15	54.003,15	64.496,85	118.500,00
46	335.503,15	1.090,39	1.542,95	2.633,33	333.960,20	55.093,54	66.039,80	121.133,33
47	333.960,20	1.085,37	1.547,96	2.633,33	332.412,24	56.178,91	67.587,76	123.766,67
48	332.412,24	1.080,34	1.552,99	2.633,33	330.859,25	57.259,25	69.140,75	126.400,00
49	330.859,25	1.075,29	1.558,04	2.633,33	329.301,21	58.334,54	70.698,79	129.033,33
50	329.301,21	1.070,23	1.563,10	2.633,33	327.738,10	59.404,77	72.261,90	131.666,67
51	327.738,10	1.065,15	1.568,18	2.633,33	326.169,92	60.469,92	73.830,08	134.300,00
52	326.169,92	1.060,05	1.573,28	2.633,33	324.596,64	61.529,97	75.403,36	136.933,33
53	324.596,64	1.054,94	1.578,39	2.633,33	323.018,24	62.584,91	76.981,76	139.566,67
54	323.018,24	1.049,81	1.583,52	2.633,33	321.434,72	63.634,72	78.565,28	142.200,00
55	321.434,72	1.044,66	1.588,67	2.633,33	319.846,05	64.679,38	80.153,95	144.833,33
56	319.846,05	1.039,50	1.593,83	2.633,33	318.252,21	65.718,88	81.747,79	147.466,67
57	318.252,21	1.034,32	1.599,01	2.633,33	316.653,20	66.753,20	83.346,80	150.100,00
58	316.653,20	1.029,12	1.604,21	2.633,33	315.048,99	67.782,32	84.951,01	152.733,33
59	315.048,99	1.023,91	1.609,42	2.633,33	313.439,57	68.806,23	86.560,43	155.366,67
60	313.439,57	1.018,68	1.614,65	2.633,33	311.824,91	69.824,91	88.175,09	158.000,00
61	311.824,91	1.013,43	1.619,90	2.633,33	310.205,01	70.838,34	89.794,99	160.633,33
62	310.205,01	1.008,17	1.625,17	2.633,33	308.579,84	71.846,51	91.420,16	163.266,67
63	308.579,84	1.002,88	1.630,45	2.633,33	306.949,39	72.849,39	93.050,61	165.900,00
64	306.949,39	997,59	1.635,75	2.633,33	305.313,65	73.846,98	94.686,35	168.533,33
65	305.313,65	992,27	1.641,06	2.633,33	303.672,58	74.839,25	96.327,42	171.166,67
66	303.672,58	986,94	1.646,40	2.633,33	302.026,18	75.826,18	97.973,82	173.800,00
67	302.026,18	981,59	1.651,75	2.633,33	300.374,44	76.807,77	99.625,56	176.433,33
68	300.374,44	976,22	1.657,12	2.633,33	298.717,32	77.783,99	101.282,68	179.066,67
69	298.717,32	970,83	1.662,50	2.633,33	297.054,82	78.754,82	102.945,18	181.700,00
70	297.054,82	965,43	1.667,91	2.633,33	295.386,91	79.720,25	104.613,09	184.333,33
71	295.386,91	960,01	1.673,33	2.633,33	293.713,59	80.680,25	106.286,41	186.966,67
72	293.713,59	954,57	1.678,76	2.633,33	292.034,82	81.634,82	107.965,18	189.600,00
73	292.034,82	949,11	1.684,22	2.633,33	290.350,60	82.583,94	109.649,40	192.233,33
74	290.350,60	943,64	1.689,69	2.633,33	288.660,91	83.527,57	111.339,09	194.866,67
75	288.660,91	938,15	1.695,19	2.633,33	286.965,72	84.465,72	113.034,28	197.500,00
76	286.965,72	932,64	1.700,69	2.633,33	285.265,03	85.398,36	114.734,97	200.133,33
77	285.265,03	927,11	1.706,22	2.633,33	283.558,81	86.325,47	116.441,19	202.766,67
78	283.558,81	921,57	1.711,77	2.633,33	281.847,04	87.247,04	118.152,96	205.400,00
79	281.847,04	916,00	1.717,33	2.633,33	280.129,71	88.163,04	119.870,29	208.033,33
80	280.129,71	910,42	1.722,91	2.633,33	278.406,80	89.073,46	121.593,20	210.666,67
81	278.406,80	904,82	1.728,51	2.633,33	276.678,29	89.978,29	123.321,71	213.300,00
82	276.678,29	899,20	1.734,13	2.633,33	274.944,16	90.877,49	125.055,84	215.933,33
83	274.944,16	893,57	1.739,76	2.633,33	273.204,39	91.771,06	126.795,61	218.566,67
84	273.204,39	887,91	1.745,42	2.633,33	271.458,97	92.658,97	128.541,03	221.200,00
85	271.458,97	882,24	1.751,09	2.633,33	269.707,88	93.541,21	130.292,12	223.833,33
86	269.707,88	876,55	1.756,78	2.633,33	267.951,10	94.417,76	132.048,90	226.466,67
87	267.951,10	870,84	1.762,49	2.633,33	266.188,61	95.288,61	133.811,39	229.100,00
88	266.188,61	865,11	1.768,22	2.633,33	264.420,39	96.153,72	135.579,61	231.733,33
89	264.420,39	859,37	1.773,97	2.633,33	262.646,42	97.013,09	137.353,58	234.366,67
90	262.646,42	853,60	1.779,73	2.633,33	260.866,69	97.866,69	139.133,31	237.000,00
91	260.866,69	847,82	1.785,52	2.633,33	259.081,17	98.714,50	140.918,83	239.633,33
92	259.081,17	842,01	1.791,32	2.633,33	257.289,85	99.556,52	142.710,15	242.266,67
93	257.289,85	836,19	1.797,14	2.633,33	255.492,71	100.392,71	144.507,29	244.900,00
94	255.492,71	830,35	1.802,98	2.633,33	253.689,73	101.223,06	146.310,27	247.533,33
95	253.689,73	824,49	1.808,84	2.633,33	251.880,88	102.047,55	148.119,12	250.166,67
96	251.880,88	818,61	1.814,72	2.633,33	250.066,16	102.866,16	149.933,84	252.800,00
97	250.066,16	812,72	1.820,62	2.633,33	248.245,55	103.678,88	151.754,45	255.433,33
98	248.245,55	806,80	1.826,54	2.633,33	246.419,01	104.485,68	153.580,99	258.066,67
99	246.419,01	800,86	1.832,47	2.633,33	244.586,54	105.286,54	155.413,46	260.700,00
100	244.586,54	794,91	1.838,43	2.633,33	242.748,11	106.081,45	157.251,89	263.333,33
101	242.748,11	788,93	1.844,40	2.633,33	240.903,71	106.870,38	159.096,29	265.966,67
102	240.903,71	782,94	1.850,40	2.633,33	239.053,31	107.653,31	160.946,69	268.600,00
103	239.053,31	776,92	1.856,41	2.633,33	237.196,90	108.430,24	162.803,10	271.233,33
104	237.196,90	770,89	1.862,44	2.633,33	235.334,46	109.201,13	164.665,54	273.866,67
105	235.334,46	764,84	1.868,50	2.633,33	233.465,96	109.965,96	166.534,04	276.500,00
106	233.465,96	758,76	1.874,57	2.633,33	231.591,40	110.724,73	168.408,60	279.133,33
107	231.591,40	752,67	1.880,66	2.633,33	229.710,73	111.477,40	170.289,27	281.766,67
108	229.710,73	746,56	1.886,77	2.633,33	227.823,96	112.223,96	172.176,04	284.400,00
109	227.823,96	740,43	1.892,91	2.633,33	225.931,05	112.964,39	174.068,95	287.033,33
110	225.931,05	734,28	1.899,06	2.633,33	224.032,00	113.698,66	175.968,00	289.666,67
111	224.032,00	728,10	1.905,23	2.633,33	222.126,77	114.426,77	177.873,23	292.300,00
112	222.126,77	721,91	1.911,42	2.633,33	220.215,35	115.148,68	179.784,65	294.933,33
113	220.215,35	715,70	1.917,63	2.633,33	218.297,71	115.864,38	181.702,29	297.566,67
114	218.297,71	709,47	1.923,87	2.633,33	216.373,85	116.573,85	183.626,15	300.200,00
115	216.373,85	703,22	1.930,12	2.633,33	214.443,73	117.277,06	185.556,27	302.833,33
116	214.443,73	696,94	1.936,39	2.633,33	212.507,34	117.974,00	187.492,66	305.466,67
117	212.507,34	690,65	1.942,68	2.633,33	210.564,65	118.664,65	189.435,35	308.100,00
118	210.564,65	684,34	1.949,00	2.633,33	208.615,66	119.348,99	191.384,34	310.733,33
119	208.615,66	678,00	1.955,33	2.633,33	206.660,32	120.026,99	193.339,68	313.366,67
120	206.660,32	671,65	1.961,69	2.633,33	204.698,64	120.698,64	195.301,36	316.000,00
121	204.698,64	665,27	1.968,06	2.633,33	202.730,57	121.363,91	197.269,43	318.633,33
122	202.730,57	658,87	1.974,46	2.633,33	200.756,11	122.022,78	199.243,89	321.266,67
123	200.756,11	652,46	1.980,88	2.633,33	198.775,24	122.675,24	201.224,76	323.900,00
124	198.775,24	646,02	1.987,31	2.633,33	196.787,92	123.321,26	203.212,08	326.533,33
125	196.787,92	639,56	1.993,77	2.633,33	194.794,15	123.960,82	205.205,85	329.166,67
126	194.794,15	633,08	2.000,25	2.633,33	192.793,90	124.593,90	207.206,10	331.800,00
127	192.793,90	626,58	2.006,75	2.633,33	190.787,15	125.220,48	209.212,85	334.433,33
128	190.787,15	620,06	2.013,28	2.633,33	188.773,87	125.840,54	211.226,13	337.066,67
129	188.773,87	613,52	2.019,82	2.633,33	186.754,05	126.454,05	213.245,95	339.700,00
130	186.754,05	606,95	2.026,38	2.633,33	184.727,67	127.061,00	215.272,33	342.333,33
131	184.727,67	600,36	2.032,97	2.633,33	182.694,70	127.661,37	217.305,30	344.966,67
132	182.694,70	593,76	2.039,58	2.633,33	180.655,13	128.255,13	219.344,87	347.600,00
133	180.655,13	587,13	2.046,20	2.633,33	178.608,92	128.842,26	221.391,08	350.233,33
134	178.608,92	580,48	2.052,85	2.633,33	176.556,07	129.422,73	223.443,93	352.866,67
135	176.556,07	573,81	2.059,53	2.633,33	174.496,54	129.996,54	225.503,46	355.500,00
136	174.496,54	567,11	2.066,22	2.633,33	172.430,32	130.563,66	227.569,68	358.133,33
137	172.430,32	560,40	2.072,93	2.633,33	170.357,39	131.124,05	229.642,61	360.766,67
138	170.357,39	553,66	2.079,67	2.633,33	168.277,72	131.677,72	231.722,28	363.400,00
139	168.277,72	546,90	2.086,43	2.633,33	166.191,28	132.224,62	233.808,72	366.033,33
140	166.191,28	540,12	2.093,21	2.633,33	164.098,07	132.764,74	235.901,93	368.666,67
141	164.098,07	533,32	2.100,01	2.633,33	161.998,06	133.298,06	238.001,94	371.300,00
142	161.998,06	526,49	2.106,84	2.633,33	159.891,22	133.824,55	240.108,78	373.933,33
143	159.891,22	519,65	2.113,69	2.633,33	157.777,53	134.344,20	242.222,47	376.566,67
144	157.777,53	512,78	2.120,56	2.633,33	155.656,98	134.856,98	244.343,02	379.200,00
145	155.656,98	505,89	2.127,45	2.633,33	153.529,53	135.362,86	246.470,47	381.833,33
146	153.529,53	498,97	2.134,36	2.633,33	151.395,16	135.861,83	248.604,84	384.466,67
147	151.395,16	492,03	2.141,30	2.633,33	149.253,87	136.353,87	250.746,13	387.100,00
148	149.253,87	485,08	2.148,26	2.633,33	147.105,61	136.838,94	252.894,39	389.733,33
149	147.105,61	478,09	2.155,24	2.633,33	144.950,37	137.317,03	255.049,63	392.366,67
150	144.950,37	471,09	2.162,24	2.633,33	142.788,12	137.788,12	257.211,88	395.000,00
151	142.788,12	464,06	2.169,27	2.633,33	140.618,85	138.252,18	259.381,15	397.633,33
152	140.618,85	457,01	2.176,32	2.633,33	138.442,53	138.709,20	261.557,47	400.266,67
153	138.442,53	449,94	2.183,40	2.633,33	136.259,13	139.159,13	263.740,87	402.900,00
154	136.259,13	442,84	2.190,49	2.633,33	134.068,64	139.601,98	265.931,36	405.533,33
155	134.068,64	435,72	2.197,61	2.633,33	131.871,03	140.037,70	268.128,97	408.166,67
156	131.871,03	428,58	2.204,75	2.633,33	129.666,28	140.466,28	270.333,72	410.800,00
157	129.666,28	421,42	2.211,92	2.633,33	127.454,36	140.887,70	272.545,64	413.433,33
158	127.454,36	414,23	2.219,11	2.633,33	125.235,26	141.301,92	274.764,74	416.066,67
159	125.235,26	407,01	2.226,32	2.633,33	123.008,94	141.708,94	276.991,06	418.700,00
160	123.008,94	399,78	2.233,55	2.633,33	120.775,38	142.108,72	279.224,62	421.333,33
161	120.775,38	392,52	2.240,81	2.633,33	118.534,57	142.501,24	281.465,43	423.966,67
162	118.534,57	385,24	2.248,10	2.633,33	116.286,47	142.886,47	283.713,53	426.600,00
163	116.286,47	377,93	2.255,40	2.633,33	114.031,07	143.264,40	285.968,93	429.233,33
164	114.031,07	370,60	2.262,73	2.633,33	111.768,34	143.635,00	288.231,66	431.866,67
165	111.768,34	363,25	2.270,09	2.633,33	109.498,25	143.998,25	290.501,75	434.500,00
166	109.498,25	355,87	2.277,46	2.633,33	107.220,79	144.354,12	292.779,21	437.133,33
167	107.220,79	348,47	2.284,87	2.633,33	104.935,92	144.702,59	295.064,08	439.766,67
168	104.935,92	341,04	2.292,29	2.633,33	102.643,63	145.043,63	297.356,37	442.400,00
169	102.643,63	333,59	2.299,74	2.633,33	100.343,89	145.377,22	299.656,11	445.033,33
170	100.343,89	326,12	2.307,22	2.633,33	98.036,67	145.703,34	301.963,33	447.666,67
171	98.036,67	318,62	2.314,71	2.633,33	95.721,96	146.021,96	304.278,04	450.300,00
172	95.721,96	311,10	2.322,24	2.633,33	93.399,72	146.333,06	306.600,28	452.933,33
173	93.399,72	303,55	2.329,78	2.633,33	91.069,94	146.636,60	308.930,06	455.566,67
174	91.069,94	295,98	2.337,36	2.633,33	88.732,58	146.932,58	311.267,42	458.200,00
175	88.732,58	288,38	2.344,95	2.633,33	86.387,63	147.220,96	313.612,37	460.833,33
176	86.387,63	280,76	2.352,57	2.633,33	84.035,06	147.501,72	315.964,94	463.466,67
177	84.035,06	273,11	2.360,22	2.633,33	81.674,84	147.774,84	318.325,16	466.100,00
178	81.674,84	265,44	2.367,89	2.633,33	79.306,95	148.040,28	320.693,05	468.733,33
179	79.306,95	257,75	2.375,59	2.633,33	76.931,36	148.298,03	323.068,64	471.366,67
180	76.931,36	250,03	2.383,31	2.633,33	74.548,05	148.548,05	325.451,95	474.000,00
181	74.548,05	242,28	2.391,05	2.633,33	72.157,00	148.790,34	327.843,00	476.633,33
182	72.157,00	234,51	2.398,82	2.633,33	69.758,18	149.024,85	330.241,82	479.266,67
183	69.758,18	226,71	2.406,62	2.633,33	67.351,56	149.251,56	332.648,44	481.900,00
184	67.351,56	218,89	2.414,44	2.633,33	64.937,12	149.470,45	335.062,88	484.533,33
185	64.937,12	211,05	2.422,29	2.633,33	62.514,83	149.681,50	337.485,17	487.166,67
186	62.514,83	203,17	2.430,16	2.633,33	60.084,67	149.884,67	339.915,33	489.800,00
187	60.084,67	195,28	2.438,06	2.633,33	57.646,61	150.079,95	342.353,39	492.433,33
188	57.646,61	187,35	2.445,98	2.633,33	55.200,63	150.267,30	344.799,37	495.066,67
189	55.200,63	179,40	2.453,93	2.633,33	52.746,70	150.446,70	347.253,30	497.700,00
190	52.746,70	171,43	2.461,91	2.633,33	50.284,79	150.618,13	349.715,21	500.333,33
191	50.284,79	163,43	2.469,91	2.633,33	47.814,89	150.781,55	352.185,11	502.966,67
192	47.814,89	155,40	2.477,93	2.633,33	45.336,95	150.936,95	354.663,05	505.600,00
193	45.336,95	147,35	2.485,99	2.633,33	42.850,96	151.084,30	357.149,04	508.233,33
194	42.850,96	139,27	2.494,07	2.633,33	40.356,89	151.223,56	359.643,11	510.866,67
195	40.356,89	131,16	2.502,17	2.633,33	37.854,72	151.354,72	362.145,28	513.500,00
196	37.854,72	123,03	2.510,31	2.633,33	35.344,42	151.477,75	364.655,58	516.133,33
197	35.344,42	114,87	2.518,46	2.633,33	32.825,95	151.592,62	367.174,05	518.766,67
198	32.825,95	106,68	2.526,65	2.633,33	30.299,30	151.699,30	369.700,70	521.400,00
199	30.299,30	98,47	2.534,86	2.633,33	27.764,44	151.797,78	372.235,56	524.033,33
200	27.764,44	90,23	2.543,10	2.633,33	25.221,34	151.888,01	374.778,66	526.666,67
201	25.221,34	81,97	2.551,36	2.633,33	22.669,98	151.969,98	377.330,02	529.300,00
202	22.669,98	73,68	2.559,66	2.633,33	20.110,32	152.043,66	379.889,68	531.933,33
203	20.110,32	65,36	2.567,97	2.633,33	17.542,35	152.109,02	382.457,65	534.566,67
204	17.542,35	57,01	2.576,32	2.633,33	14.966,03	152.166,03	385.033,97	537.200,00
205	14.966,03	48,64	2.584,69	2.633,33	12.381,33	152.214,67	387.618,67	539.833,33
206	12.381,33	40,24	2.593,09	2.633,33	9.788,24	152.254,91	390.211,76	542.466,67
207	9.788,24	31,81	2.601,52	2.633,33	7.186,72	152.286,72	392.813,28	545.100,00
208	7.186,72	23,36	2.609,98	2.633,33	4.576,74	152.310,08	395.423,26	547.733,33
209	4.576,74	14,87	2.618,46	2.633,33	1.958,28	152.324,95	398.041,72	550.366,67
210	1.958,28	6,36	1.958,28	1.958,28	1.958,28	152.331,31	400.000,00	552.331,31

Baufinanzierung

4.16/5,00

Testsieger

153.267,70€
Zinsanteil

2.643,33€
Monatsrate

3,93%
Sollzins p.a.

4,03%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 350.000,00 €;Kreditrate: 1.607,08 €;Gesamtbetrag: 96.425,00 €;Anzahl Kreditraten: 60;Laufzeit: 348 Monate;Effektiver Jahreszins: 3,61 %;Gebundener Sollzins: 3,51 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.310,00	1.333,33	2.643,33	398.666,67	1.310,00	1.333,33	2.643,33
2	398.666,67	1.305,63	1.337,70	2.643,33	397.328,97	2.615,63	2.671,03	5.286,67
3	397.328,97	1.301,25	1.342,08	2.643,33	395.986,89	3.916,89	4.013,11	7.930,00
4	395.986,89	1.296,86	1.346,48	2.643,33	394.640,41	5.213,74	5.359,59	10.573,33
5	394.640,41	1.292,45	1.350,89	2.643,33	393.289,52	6.506,19	6.710,48	13.216,67
6	393.289,52	1.288,02	1.355,31	2.643,33	391.934,21	7.794,21	8.065,79	15.860,00
7	391.934,21	1.283,58	1.359,75	2.643,33	390.574,46	9.077,80	9.425,54	18.503,33
8	390.574,46	1.279,13	1.364,20	2.643,33	389.210,26	10.356,93	10.789,74	21.146,67
9	389.210,26	1.274,66	1.368,67	2.643,33	387.841,59	11.631,59	12.158,41	23.790,00
10	387.841,59	1.270,18	1.373,15	2.643,33	386.468,44	12.901,77	13.531,56	26.433,33
11	386.468,44	1.265,68	1.377,65	2.643,33	385.090,79	14.167,46	14.909,21	29.076,67
12	385.090,79	1.261,17	1.382,16	2.643,33	383.708,63	15.428,63	16.291,37	31.720,00
13	383.708,63	1.256,65	1.386,69	2.643,33	382.321,94	16.685,28	17.678,06	34.363,33
14	382.321,94	1.252,10	1.391,23	2.643,33	380.930,71	17.937,38	19.069,29	37.006,67
15	380.930,71	1.247,55	1.395,79	2.643,33	379.534,93	19.184,93	20.465,07	39.650,00
16	379.534,93	1.242,98	1.400,36	2.643,33	378.134,57	20.427,91	21.865,43	42.293,33
17	378.134,57	1.238,39	1.404,94	2.643,33	376.729,63	21.666,30	23.270,37	44.936,67
18	376.729,63	1.233,79	1.409,54	2.643,33	375.320,09	22.900,09	24.679,91	47.580,00
19	375.320,09	1.229,17	1.414,16	2.643,33	373.905,93	24.129,26	26.094,07	50.223,33
20	373.905,93	1.224,54	1.418,79	2.643,33	372.487,13	25.353,80	27.512,87	52.866,67
21	372.487,13	1.219,90	1.423,44	2.643,33	371.063,70	26.573,70	28.936,30	55.510,00
22	371.063,70	1.215,23	1.428,10	2.643,33	369.635,60	27.788,93	30.364,40	58.153,33
23	369.635,60	1.210,56	1.432,78	2.643,33	368.202,82	28.999,49	31.797,18	60.796,67
24	368.202,82	1.205,86	1.437,47	2.643,33	366.765,35	30.205,35	33.234,65	63.440,00
25	366.765,35	1.201,16	1.442,18	2.643,33	365.323,17	31.406,51	34.676,83	66.083,33
26	365.323,17	1.196,43	1.446,90	2.643,33	363.876,27	32.602,94	36.123,73	68.726,67
27	363.876,27	1.191,69	1.451,64	2.643,33	362.424,64	33.794,64	37.575,36	71.370,00
28	362.424,64	1.186,94	1.456,39	2.643,33	360.968,24	34.981,58	39.031,76	74.013,33
29	360.968,24	1.182,17	1.461,16	2.643,33	359.507,08	36.163,75	40.492,92	76.656,67
30	359.507,08	1.177,39	1.465,95	2.643,33	358.041,13	37.341,13	41.958,87	79.300,00
31	358.041,13	1.172,58	1.470,75	2.643,33	356.570,38	38.513,72	43.429,62	81.943,33
32	356.570,38	1.167,77	1.475,57	2.643,33	355.094,82	39.681,49	44.905,18	84.586,67
33	355.094,82	1.162,94	1.480,40	2.643,33	353.614,42	40.844,42	46.385,58	87.230,00
34	353.614,42	1.158,09	1.485,25	2.643,33	352.129,18	42.002,51	47.870,82	89.873,33
35	352.129,18	1.153,22	1.490,11	2.643,33	350.639,06	43.155,73	49.360,94	92.516,67
36	350.639,06	1.148,34	1.494,99	2.643,33	349.144,07	44.304,07	50.855,93	95.160,00
37	349.144,07	1.143,45	1.499,89	2.643,33	347.644,19	45.447,52	52.355,81	97.803,33
38	347.644,19	1.138,53	1.504,80	2.643,33	346.139,39	46.586,06	53.860,61	100.446,67
39	346.139,39	1.133,61	1.509,73	2.643,33	344.629,66	47.719,66	55.370,34	103.090,00
40	344.629,66	1.128,66	1.514,67	2.643,33	343.114,99	48.848,32	56.885,01	105.733,33
41	343.114,99	1.123,70	1.519,63	2.643,33	341.595,36	49.972,03	58.404,64	108.376,67
42	341.595,36	1.118,72	1.524,61	2.643,33	340.070,75	51.090,75	59.929,25	111.020,00
43	340.070,75	1.113,73	1.529,60	2.643,33	338.541,15	52.204,48	61.458,85	113.663,33
44	338.541,15	1.108,72	1.534,61	2.643,33	337.006,54	53.313,20	62.993,46	116.306,67
45	337.006,54	1.103,70	1.539,64	2.643,33	335.466,90	54.416,90	64.533,10	118.950,00
46	335.466,90	1.098,65	1.544,68	2.643,33	333.922,22	55.515,56	66.077,78	121.593,33
47	333.922,22	1.093,60	1.549,74	2.643,33	332.372,48	56.609,15	67.627,52	124.236,67
48	332.372,48	1.088,52	1.554,81	2.643,33	330.817,67	57.697,67	69.182,33	126.880,00
49	330.817,67	1.083,43	1.559,91	2.643,33	329.257,77	58.781,10	70.742,23	129.523,33
50	329.257,77	1.078,32	1.565,01	2.643,33	327.692,75	59.859,42	72.307,25	132.166,67
51	327.692,75	1.073,19	1.570,14	2.643,33	326.122,61	60.932,61	73.877,39	134.810,00
52	326.122,61	1.068,05	1.575,28	2.643,33	324.547,33	62.000,66	75.452,67	137.453,33
53	324.547,33	1.062,89	1.580,44	2.643,33	322.966,89	63.063,56	77.033,11	140.096,67
54	322.966,89	1.057,72	1.585,62	2.643,33	321.381,27	64.121,27	78.618,73	142.740,00
55	321.381,27	1.052,52	1.590,81	2.643,33	319.790,46	65.173,80	80.209,54	145.383,33
56	319.790,46	1.047,31	1.596,02	2.643,33	318.194,44	66.221,11	81.805,56	148.026,67
57	318.194,44	1.042,09	1.601,25	2.643,33	316.593,20	67.263,20	83.406,80	150.670,00
58	316.593,20	1.036,84	1.606,49	2.643,33	314.986,71	68.300,04	85.013,29	153.313,33
59	314.986,71	1.031,58	1.611,75	2.643,33	313.374,95	69.331,62	86.625,05	155.956,67
60	313.374,95	1.026,30	1.617,03	2.643,33	311.757,92	70.357,92	88.242,08	158.600,00
61	311.757,92	1.021,01	1.622,33	2.643,33	310.135,60	71.378,93	89.864,40	161.243,33
62	310.135,60	1.015,69	1.627,64	2.643,33	308.507,96	72.394,62	91.492,04	163.886,67
63	308.507,96	1.010,36	1.632,97	2.643,33	306.874,99	73.404,99	93.125,01	166.530,00
64	306.874,99	1.005,02	1.638,32	2.643,33	305.236,67	74.410,00	94.763,33	169.173,33
65	305.236,67	999,65	1.643,68	2.643,33	303.592,99	75.409,65	96.407,01	171.816,67
66	303.592,99	994,27	1.649,07	2.643,33	301.943,92	76.403,92	98.056,08	174.460,00
67	301.943,92	988,87	1.654,47	2.643,33	300.289,45	77.392,79	99.710,55	177.103,33
68	300.289,45	983,45	1.659,89	2.643,33	298.629,57	78.376,24	101.370,43	179.746,67
69	298.629,57	978,01	1.665,32	2.643,33	296.964,25	79.354,25	103.035,75	182.390,00
70	296.964,25	972,56	1.670,78	2.643,33	295.293,47	80.326,81	104.706,53	185.033,33
71	295.293,47	967,09	1.676,25	2.643,33	293.617,22	81.293,89	106.382,78	187.676,67
72	293.617,22	961,60	1.681,74	2.643,33	291.935,49	82.255,49	108.064,51	190.320,00
73	291.935,49	956,09	1.687,24	2.643,33	290.248,24	83.211,58	109.751,76	192.963,33
74	290.248,24	950,56	1.692,77	2.643,33	288.555,47	84.162,14	111.444,53	195.606,67
75	288.555,47	945,02	1.698,31	2.643,33	286.857,16	85.107,16	113.142,84	198.250,00
76	286.857,16	939,46	1.703,88	2.643,33	285.153,28	86.046,62	114.846,72	200.893,33
77	285.153,28	933,88	1.709,46	2.643,33	283.443,83	86.980,49	116.556,17	203.536,67
78	283.443,83	928,28	1.715,05	2.643,33	281.728,77	87.908,77	118.271,23	206.180,00
79	281.728,77	922,66	1.720,67	2.643,33	280.008,10	88.831,43	119.991,90	208.823,33
80	280.008,10	917,03	1.726,31	2.643,33	278.281,79	89.748,46	121.718,21	211.466,67
81	278.281,79	911,37	1.731,96	2.643,33	276.549,83	90.659,83	123.450,17	214.110,00
82	276.549,83	905,70	1.737,63	2.643,33	274.812,20	91.565,53	125.187,80	216.753,33
83	274.812,20	900,01	1.743,32	2.643,33	273.068,88	92.465,54	126.931,12	219.396,67
84	273.068,88	894,30	1.749,03	2.643,33	271.319,84	93.359,84	128.680,16	222.040,00
85	271.319,84	888,57	1.754,76	2.643,33	269.565,08	94.248,42	130.434,92	224.683,33
86	269.565,08	882,83	1.760,51	2.643,33	267.804,58	95.131,24	132.195,42	227.326,67
87	267.804,58	877,06	1.766,27	2.643,33	266.038,30	96.008,30	133.961,70	229.970,00
88	266.038,30	871,28	1.772,06	2.643,33	264.266,24	96.879,58	135.733,76	232.613,33
89	264.266,24	865,47	1.777,86	2.643,33	262.488,38	97.745,05	137.511,62	235.256,67
90	262.488,38	859,65	1.783,68	2.643,33	260.704,70	98.604,70	139.295,30	237.900,00
91	260.704,70	853,81	1.789,53	2.643,33	258.915,17	99.458,51	141.084,83	240.543,33
92	258.915,17	847,95	1.795,39	2.643,33	257.119,79	100.306,45	142.880,21	243.186,67
93	257.119,79	842,07	1.801,27	2.643,33	255.318,52	101.148,52	144.681,48	245.830,00
94	255.318,52	836,17	1.807,17	2.643,33	253.511,36	101.984,69	146.488,64	248.473,33
95	253.511,36	830,25	1.813,08	2.643,33	251.698,27	102.814,94	148.301,73	251.116,67
96	251.698,27	824,31	1.819,02	2.643,33	249.879,25	103.639,25	150.120,75	253.760,00
97	249.879,25	818,35	1.824,98	2.643,33	248.054,27	104.457,61	151.945,73	256.403,33
98	248.054,27	812,38	1.830,96	2.643,33	246.223,32	105.269,98	153.776,68	259.046,67
99	246.223,32	806,38	1.836,95	2.643,33	244.386,36	106.076,36	155.613,64	261.690,00
100	244.386,36	800,37	1.842,97	2.643,33	242.543,40	106.876,73	157.456,60	264.333,33
101	242.543,40	794,33	1.849,00	2.643,33	240.694,39	107.671,06	159.305,61	266.976,67
102	240.694,39	788,27	1.855,06	2.643,33	238.839,33	108.459,33	161.160,67	269.620,00
103	238.839,33	782,20	1.861,13	2.643,33	236.978,20	109.241,53	163.021,80	272.263,33
104	236.978,20	776,10	1.867,23	2.643,33	235.110,97	110.017,64	164.889,03	274.906,67
105	235.110,97	769,99	1.873,34	2.643,33	233.237,62	110.787,62	166.762,38	277.550,00
106	233.237,62	763,85	1.879,48	2.643,33	231.358,14	111.551,48	168.641,86	280.193,33
107	231.358,14	757,70	1.885,64	2.643,33	229.472,51	112.309,18	170.527,49	282.836,67
108	229.472,51	751,52	1.891,81	2.643,33	227.580,70	113.060,70	172.419,30	285.480,00
109	227.580,70	745,33	1.898,01	2.643,33	225.682,69	113.806,02	174.317,31	288.123,33
110	225.682,69	739,11	1.904,22	2.643,33	223.778,47	114.545,14	176.221,53	290.766,67
111	223.778,47	732,87	1.910,46	2.643,33	221.868,01	115.278,01	178.131,99	293.410,00
112	221.868,01	726,62	1.916,72	2.643,33	219.951,29	116.004,63	180.048,71	296.053,33
113	219.951,29	720,34	1.922,99	2.643,33	218.028,30	116.724,97	181.971,70	298.696,67
114	218.028,30	714,04	1.929,29	2.643,33	216.099,01	117.439,01	183.900,99	301.340,00
115	216.099,01	707,72	1.935,61	2.643,33	214.163,40	118.146,74	185.836,60	303.983,33
116	214.163,40	701,39	1.941,95	2.643,33	212.221,45	118.848,12	187.778,55	306.626,67
117	212.221,45	695,03	1.948,31	2.643,33	210.273,15	119.543,15	189.726,85	309.270,00
118	210.273,15	688,64	1.954,69	2.643,33	208.318,46	120.231,79	191.681,54	311.913,33
119	208.318,46	682,24	1.961,09	2.643,33	206.357,37	120.914,03	193.642,63	314.556,67
120	206.357,37	675,82	1.967,51	2.643,33	204.389,85	121.589,85	195.610,15	317.200,00
121	204.389,85	669,38	1.973,96	2.643,33	202.415,90	122.259,23	197.584,10	319.843,33
122	202.415,90	662,91	1.980,42	2.643,33	200.435,48	122.922,14	199.564,52	322.486,67
123	200.435,48	656,43	1.986,91	2.643,33	198.448,57	123.578,57	201.551,43	325.130,00
124	198.448,57	649,92	1.993,41	2.643,33	196.455,15	124.228,49	203.544,85	327.773,33
125	196.455,15	643,39	1.999,94	2.643,33	194.455,21	124.871,88	205.544,79	330.416,67
126	194.455,21	636,84	2.006,49	2.643,33	192.448,72	125.508,72	207.551,28	333.060,00
127	192.448,72	630,27	2.013,06	2.643,33	190.435,66	126.138,99	209.564,34	335.703,33
128	190.435,66	623,68	2.019,66	2.643,33	188.416,00	126.762,67	211.584,00	338.346,67
129	188.416,00	617,06	2.026,27	2.643,33	186.389,73	127.379,73	213.610,27	340.990,00
130	186.389,73	610,43	2.032,91	2.643,33	184.356,82	127.990,15	215.643,18	343.633,33
131	184.356,82	603,77	2.039,56	2.643,33	182.317,26	128.593,92	217.682,74	346.276,67
132	182.317,26	597,09	2.046,24	2.643,33	180.271,01	129.191,01	219.728,99	348.920,00
133	180.271,01	590,39	2.052,95	2.643,33	178.218,07	129.781,40	221.781,93	351.563,33
134	178.218,07	583,66	2.059,67	2.643,33	176.158,40	130.365,06	223.841,60	354.206,67
135	176.158,40	576,92	2.066,41	2.643,33	174.091,98	130.941,98	225.908,02	356.850,00
136	174.091,98	570,15	2.073,18	2.643,33	172.018,80	131.512,13	227.981,20	359.493,33
137	172.018,80	563,36	2.079,97	2.643,33	169.938,83	132.075,49	230.061,17	362.136,67
138	169.938,83	556,55	2.086,78	2.643,33	167.852,04	132.632,04	232.147,96	364.780,00
139	167.852,04	549,72	2.093,62	2.643,33	165.758,43	133.181,76	234.241,57	367.423,33
140	165.758,43	542,86	2.100,47	2.643,33	163.657,95	133.724,62	236.342,05	370.066,67
141	163.657,95	535,98	2.107,35	2.643,33	161.550,60	134.260,60	238.449,40	372.710,00
142	161.550,60	529,08	2.114,26	2.643,33	159.436,34	134.789,68	240.563,66	375.353,33
143	159.436,34	522,15	2.121,18	2.643,33	157.315,16	135.311,83	242.684,84	377.996,67
144	157.315,16	515,21	2.128,13	2.643,33	155.187,04	135.827,04	244.812,96	380.640,00
145	155.187,04	508,24	2.135,10	2.643,33	153.051,94	136.335,28	246.948,06	383.283,33
146	153.051,94	501,25	2.142,09	2.643,33	150.909,85	136.836,52	249.090,15	385.926,67
147	150.909,85	494,23	2.149,10	2.643,33	148.760,75	137.330,75	251.239,25	388.570,00
148	148.760,75	487,19	2.156,14	2.643,33	146.604,61	137.817,94	253.395,39	391.213,33
149	146.604,61	480,13	2.163,20	2.643,33	144.441,41	138.298,07	255.558,59	393.856,67
150	144.441,41	473,05	2.170,29	2.643,33	142.271,12	138.771,12	257.728,88	396.500,00
151	142.271,12	465,94	2.177,40	2.643,33	140.093,72	139.237,06	259.906,28	399.143,33
152	140.093,72	458,81	2.184,53	2.643,33	137.909,20	139.695,86	262.090,80	401.786,67
153	137.909,20	451,65	2.191,68	2.643,33	135.717,52	140.147,52	264.282,48	404.430,00
154	135.717,52	444,47	2.198,86	2.643,33	133.518,66	140.591,99	266.481,34	407.073,33
155	133.518,66	437,27	2.206,06	2.643,33	131.312,60	141.029,26	268.687,40	409.716,67
156	131.312,60	430,05	2.213,28	2.643,33	129.099,31	141.459,31	270.900,69	412.360,00
157	129.099,31	422,80	2.220,53	2.643,33	126.878,78	141.882,11	273.121,22	415.003,33
158	126.878,78	415,53	2.227,81	2.643,33	124.650,97	142.297,64	275.349,03	417.646,67
159	124.650,97	408,23	2.235,10	2.643,33	122.415,87	142.705,87	277.584,13	420.290,00
160	122.415,87	400,91	2.242,42	2.643,33	120.173,45	143.106,78	279.826,55	422.933,33
161	120.173,45	393,57	2.249,77	2.643,33	117.923,69	143.500,35	282.076,31	425.576,67
162	117.923,69	386,20	2.257,13	2.643,33	115.666,55	143.886,55	284.333,45	428.220,00
163	115.666,55	378,81	2.264,53	2.643,33	113.402,03	144.265,36	286.597,97	430.863,33
164	113.402,03	371,39	2.271,94	2.643,33	111.130,09	144.636,75	288.869,91	433.506,67
165	111.130,09	363,95	2.279,38	2.643,33	108.850,70	145.000,70	291.149,30	436.150,00
166	108.850,70	356,49	2.286,85	2.643,33	106.563,86	145.357,19	293.436,14	438.793,33
167	106.563,86	349,00	2.294,34	2.643,33	104.269,52	145.706,19	295.730,48	441.436,67
168	104.269,52	341,48	2.301,85	2.643,33	101.967,67	146.047,67	298.032,33	444.080,00
169	101.967,67	333,94	2.309,39	2.643,33	99.658,28	146.381,61	300.341,72	446.723,33
170	99.658,28	326,38	2.316,95	2.643,33	97.341,33	146.707,99	302.658,67	449.366,67
171	97.341,33	318,79	2.324,54	2.643,33	95.016,79	147.026,79	304.983,21	452.010,00
172	95.016,79	311,18	2.332,15	2.643,33	92.684,63	147.337,97	307.315,37	454.653,33
173	92.684,63	303,54	2.339,79	2.643,33	90.344,84	147.641,51	309.655,16	457.296,67
174	90.344,84	295,88	2.347,45	2.643,33	87.997,39	147.937,39	312.002,61	459.940,00
175	87.997,39	288,19	2.355,14	2.643,33	85.642,25	148.225,58	314.357,75	462.583,33
176	85.642,25	280,48	2.362,85	2.643,33	83.279,39	148.506,06	316.720,61	465.226,67
177	83.279,39	272,74	2.370,59	2.643,33	80.908,80	148.778,80	319.091,20	467.870,00
178	80.908,80	264,98	2.378,36	2.643,33	78.530,44	149.043,77	321.469,56	470.513,33
179	78.530,44	257,19	2.386,15	2.643,33	76.144,29	149.300,96	323.855,71	473.156,67
180	76.144,29	249,37	2.393,96	2.643,33	73.750,33	149.550,33	326.249,67	475.800,00
181	73.750,33	241,53	2.401,80	2.643,33	71.348,53	149.791,87	328.651,47	478.443,33
182	71.348,53	233,67	2.409,67	2.643,33	68.938,87	150.025,53	331.061,13	481.086,67
183	68.938,87	225,77	2.417,56	2.643,33	66.521,31	150.251,31	333.478,69	483.730,00
184	66.521,31	217,86	2.425,48	2.643,33	64.095,83	150.469,16	335.904,17	486.373,33
185	64.095,83	209,91	2.433,42	2.643,33	61.662,41	150.679,08	338.337,59	489.016,67
186	61.662,41	201,94	2.441,39	2.643,33	59.221,02	150.881,02	340.778,98	491.660,00
187	59.221,02	193,95	2.449,38	2.643,33	56.771,64	151.074,97	343.228,36	494.303,33
188	56.771,64	185,93	2.457,41	2.643,33	54.314,23	151.260,90	345.685,77	496.946,67
189	54.314,23	177,88	2.465,45	2.643,33	51.848,78	151.438,78	348.151,22	499.590,00
190	51.848,78	169,80	2.473,53	2.643,33	49.375,25	151.608,58	350.624,75	502.233,33
191	49.375,25	161,70	2.481,63	2.643,33	46.893,62	151.770,29	353.106,38	504.876,67
192	46.893,62	153,58	2.489,76	2.643,33	44.403,86	151.923,86	355.596,14	507.520,00
193	44.403,86	145,42	2.497,91	2.643,33	41.905,95	152.069,29	358.094,05	510.163,33
194	41.905,95	137,24	2.506,09	2.643,33	39.399,86	152.206,53	360.600,14	512.806,67
195	39.399,86	129,03	2.514,30	2.643,33	36.885,56	152.335,56	363.114,44	515.450,00
196	36.885,56	120,80	2.522,53	2.643,33	34.363,03	152.456,36	365.636,97	518.093,33
197	34.363,03	112,54	2.530,79	2.643,33	31.832,23	152.568,90	368.167,77	520.736,67
198	31.832,23	104,25	2.539,08	2.643,33	29.293,15	152.673,15	370.706,85	523.380,00
199	29.293,15	95,94	2.547,40	2.643,33	26.745,75	152.769,09	373.254,25	526.023,33
200	26.745,75	87,59	2.555,74	2.643,33	24.190,01	152.856,68	375.809,99	528.666,67
201	24.190,01	79,22	2.564,11	2.643,33	21.625,90	152.935,90	378.374,10	531.310,00
202	21.625,90	70,82	2.572,51	2.643,33	19.053,39	153.006,73	380.946,61	533.953,33
203	19.053,39	62,40	2.580,93	2.643,33	16.472,46	153.069,13	383.527,54	536.596,67
204	16.472,46	53,95	2.589,39	2.643,33	13.883,07	153.123,07	386.116,93	539.240,00
205	13.883,07	45,47	2.597,87	2.643,33	11.285,21	153.168,54	388.714,79	541.883,33
206	11.285,21	36,96	2.606,37	2.643,33	8.678,83	153.205,50	391.321,17	544.526,67
207	8.678,83	28,42	2.614,91	2.643,33	6.063,92	153.233,92	393.936,08	547.170,00
208	6.063,92	19,86	2.623,47	2.643,33	3.440,45	153.253,78	396.559,55	549.813,33
209	3.440,45	11,27	2.632,07	2.643,33	808,38	153.265,05	399.191,62	552.456,67
210	808,38	2,65	808,38	808,38	808,38	153.267,70	400.000,00	553.267,70

Baufinanzierung

3.77/5,00

153.578,88€
Zinsanteil

2.646,67€
Monatsrate

3,94%
Sollzins p.a.

4,03%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 356.000,00 €;Kreditrate: 1.752,00 €;Gesamtbetrag: 210.040,00 €;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	1.313,33	1.333,33	2.646,67	398.666,67	1.313,33	1.333,33	2.646,67
2	398.666,67	1.308,96	1.337,71	2.646,67	397.328,96	2.622,29	2.671,04	5.293,33
3	397.328,96	1.304,56	1.342,10	2.646,67	395.986,85	3.926,85	4.013,15	7.940,00
4	395.986,85	1.300,16	1.346,51	2.646,67	394.640,34	5.227,01	5.359,66	10.586,67
5	394.640,34	1.295,74	1.350,93	2.646,67	393.289,41	6.522,74	6.710,59	13.233,33
6	393.289,41	1.291,30	1.355,37	2.646,67	391.934,05	7.814,05	8.065,95	15.880,00
7	391.934,05	1.286,85	1.359,82	2.646,67	390.574,23	9.100,90	9.425,77	18.526,67
8	390.574,23	1.282,39	1.364,28	2.646,67	389.209,95	10.383,28	10.790,05	21.173,33
9	389.209,95	1.277,91	1.368,76	2.646,67	387.841,19	11.661,19	12.158,81	23.820,00
10	387.841,19	1.273,41	1.373,25	2.646,67	386.467,93	12.934,60	13.532,07	26.466,67
11	386.467,93	1.268,90	1.377,76	2.646,67	385.090,17	14.203,50	14.909,83	29.113,33
12	385.090,17	1.264,38	1.382,29	2.646,67	383.707,88	15.467,88	16.292,12	31.760,00
13	383.707,88	1.259,84	1.386,83	2.646,67	382.321,06	16.727,72	17.678,94	34.406,67
14	382.321,06	1.255,29	1.391,38	2.646,67	380.929,68	17.983,01	19.070,32	37.053,33
15	380.929,68	1.250,72	1.395,95	2.646,67	379.533,73	19.233,73	20.466,27	39.700,00
16	379.533,73	1.246,14	1.400,53	2.646,67	378.133,20	20.479,86	21.866,80	42.346,67
17	378.133,20	1.241,54	1.405,13	2.646,67	376.728,07	21.721,40	23.271,93	44.993,33
18	376.728,07	1.236,92	1.409,74	2.646,67	375.318,33	22.958,33	24.681,67	47.640,00
19	375.318,33	1.232,30	1.414,37	2.646,67	373.903,95	24.190,62	26.096,05	50.286,67
20	373.903,95	1.227,65	1.419,02	2.646,67	372.484,94	25.418,27	27.515,06	52.933,33
21	372.484,94	1.222,99	1.423,67	2.646,67	371.061,26	26.641,26	28.938,74	55.580,00
22	371.061,26	1.218,32	1.428,35	2.646,67	369.632,92	27.859,58	30.367,08	58.226,67
23	369.632,92	1.213,63	1.433,04	2.646,67	368.199,88	29.073,21	31.800,12	60.873,33
24	368.199,88	1.208,92	1.437,74	2.646,67	366.762,13	30.282,13	33.237,87	63.520,00
25	366.762,13	1.204,20	1.442,46	2.646,67	365.319,67	31.486,34	34.680,33	66.166,67
26	365.319,67	1.199,47	1.447,20	2.646,67	363.872,47	32.685,80	36.127,53	68.813,33
27	363.872,47	1.194,71	1.451,95	2.646,67	362.420,52	33.880,52	37.579,48	71.460,00
28	362.420,52	1.189,95	1.456,72	2.646,67	360.963,80	35.070,46	39.036,20	74.106,67
29	360.963,80	1.185,16	1.461,50	2.646,67	359.502,29	36.255,63	40.497,71	76.753,33
30	359.502,29	1.180,37	1.466,30	2.646,67	358.035,99	37.435,99	41.964,01	79.400,00
31	358.035,99	1.175,55	1.471,12	2.646,67	356.564,88	38.611,55	43.435,12	82.046,67
32	356.564,88	1.170,72	1.475,95	2.646,67	355.088,93	39.782,27	44.911,07	84.693,33
33	355.088,93	1.165,88	1.480,79	2.646,67	353.608,14	40.948,14	46.391,86	87.340,00
34	353.608,14	1.161,01	1.485,65	2.646,67	352.122,49	42.109,16	47.877,51	89.986,67
35	352.122,49	1.156,14	1.490,53	2.646,67	350.631,96	43.265,29	49.368,04	92.633,33
36	350.631,96	1.151,24	1.495,43	2.646,67	349.136,53	44.416,53	50.863,47	95.280,00
37	349.136,53	1.146,33	1.500,34	2.646,67	347.636,20	45.562,86	52.363,80	97.926,67
38	347.636,20	1.141,41	1.505,26	2.646,67	346.130,94	46.704,27	53.869,06	100.573,33
39	346.130,94	1.136,46	1.510,20	2.646,67	344.620,73	47.840,73	55.379,27	103.220,00
40	344.620,73	1.131,50	1.515,16	2.646,67	343.105,57	48.972,24	56.894,43	105.866,67
41	343.105,57	1.126,53	1.520,14	2.646,67	341.585,43	50.098,77	58.414,57	108.513,33
42	341.585,43	1.121,54	1.525,13	2.646,67	340.060,31	51.220,31	59.939,69	111.160,00
43	340.060,31	1.116,53	1.530,14	2.646,67	338.530,17	52.336,84	61.469,83	113.806,67
44	338.530,17	1.111,51	1.535,16	2.646,67	336.995,01	53.448,35	63.004,99	116.453,33
45	336.995,01	1.106,47	1.540,20	2.646,67	335.454,81	54.554,81	64.545,19	119.100,00
46	335.454,81	1.101,41	1.545,26	2.646,67	333.909,56	55.656,22	66.090,44	121.746,67
47	333.909,56	1.096,34	1.550,33	2.646,67	332.359,22	56.752,56	67.640,78	124.393,33
48	332.359,22	1.091,25	1.555,42	2.646,67	330.803,80	57.843,80	69.196,20	127.040,00
49	330.803,80	1.086,14	1.560,53	2.646,67	329.243,28	58.929,94	70.756,72	129.686,67
50	329.243,28	1.081,02	1.565,65	2.646,67	327.677,63	60.010,96	72.322,37	132.333,33
51	327.677,63	1.075,87	1.570,79	2.646,67	326.106,83	61.086,83	73.893,17	134.980,00
52	326.106,83	1.070,72	1.575,95	2.646,67	324.530,88	62.157,55	75.469,12	137.626,67
53	324.530,88	1.065,54	1.581,12	2.646,67	322.949,76	63.223,09	77.050,24	140.273,33
54	322.949,76	1.060,35	1.586,31	2.646,67	321.363,45	64.283,45	78.636,55	142.920,00
55	321.363,45	1.055,14	1.591,52	2.646,67	319.771,92	65.338,59	80.228,08	145.566,67
56	319.771,92	1.049,92	1.596,75	2.646,67	318.175,17	66.388,51	81.824,83	148.213,33
57	318.175,17	1.044,68	1.601,99	2.646,67	316.573,18	67.433,18	83.426,82	150.860,00
58	316.573,18	1.039,42	1.607,25	2.646,67	314.965,93	68.472,60	85.034,07	153.506,67
59	314.965,93	1.034,14	1.612,53	2.646,67	313.353,40	69.506,74	86.646,60	156.153,33
60	313.353,40	1.028,84	1.617,82	2.646,67	311.735,58	70.535,58	88.264,42	158.800,00
61	311.735,58	1.023,53	1.623,13	2.646,67	310.112,44	71.559,11	89.887,56	161.446,67
62	310.112,44	1.018,20	1.628,46	2.646,67	308.483,98	72.577,31	91.516,02	164.093,33
63	308.483,98	1.012,86	1.633,81	2.646,67	306.850,17	73.590,17	93.149,83	166.740,00
64	306.850,17	1.007,49	1.639,18	2.646,67	305.210,99	74.597,66	94.789,01	169.386,67
65	305.210,99	1.002,11	1.644,56	2.646,67	303.566,44	75.599,77	96.433,56	172.033,33
66	303.566,44	996,71	1.649,96	2.646,67	301.916,48	76.596,48	98.083,52	174.680,00
67	301.916,48	991,29	1.655,37	2.646,67	300.261,11	77.587,77	99.738,89	177.326,67
68	300.261,11	985,86	1.660,81	2.646,67	298.600,30	78.573,63	101.399,70	179.973,33
69	298.600,30	980,40	1.666,26	2.646,67	296.934,03	79.554,03	103.065,97	182.620,00
70	296.934,03	974,93	1.671,73	2.646,67	295.262,30	80.528,97	104.737,70	185.266,67
71	295.262,30	969,44	1.677,22	2.646,67	293.585,08	81.498,41	106.414,92	187.913,33
72	293.585,08	963,94	1.682,73	2.646,67	291.902,35	82.462,35	108.097,65	190.560,00
73	291.902,35	958,41	1.688,25	2.646,67	290.214,10	83.420,76	109.785,90	193.206,67
74	290.214,10	952,87	1.693,80	2.646,67	288.520,30	84.373,63	111.479,70	195.853,33
75	288.520,30	947,31	1.699,36	2.646,67	286.820,94	85.320,94	113.179,06	198.500,00
76	286.820,94	941,73	1.704,94	2.646,67	285.116,00	86.262,67	114.884,00	201.146,67
77	285.116,00	936,13	1.710,54	2.646,67	283.405,47	87.198,80	116.594,53	203.793,33
78	283.405,47	930,51	1.716,15	2.646,67	281.689,31	88.129,31	118.310,69	206.440,00
79	281.689,31	924,88	1.721,79	2.646,67	279.967,53	89.054,19	120.032,47	209.086,67
80	279.967,53	919,23	1.727,44	2.646,67	278.240,09	89.973,42	121.759,91	211.733,33
81	278.240,09	913,55	1.733,11	2.646,67	276.506,98	90.886,98	123.493,02	214.380,00
82	276.506,98	907,86	1.738,80	2.646,67	274.768,17	91.794,84	125.231,83	217.026,67
83	274.768,17	902,16	1.744,51	2.646,67	273.023,66	92.697,00	126.976,34	219.673,33
84	273.023,66	896,43	1.750,24	2.646,67	271.273,42	93.593,42	128.726,58	222.320,00
85	271.273,42	890,68	1.755,99	2.646,67	269.517,44	94.484,11	130.482,56	224.966,67
86	269.517,44	884,92	1.761,75	2.646,67	267.755,69	95.369,02	132.244,31	227.613,33
87	267.755,69	879,13	1.767,54	2.646,67	265.988,15	96.248,15	134.011,85	230.260,00
88	265.988,15	873,33	1.773,34	2.646,67	264.214,81	97.121,48	135.785,19	232.906,67
89	264.214,81	867,51	1.779,16	2.646,67	262.435,65	97.988,99	137.564,35	235.553,33
90	262.435,65	861,66	1.785,00	2.646,67	260.650,65	98.850,65	139.349,35	238.200,00
91	260.650,65	855,80	1.790,86	2.646,67	258.859,79	99.706,45	141.140,21	240.846,67
92	258.859,79	849,92	1.796,74	2.646,67	257.063,04	100.556,37	142.936,96	243.493,33
93	257.063,04	844,02	1.802,64	2.646,67	255.260,40	101.400,40	144.739,60	246.140,00
94	255.260,40	838,10	1.808,56	2.646,67	253.451,84	102.238,50	146.548,16	248.786,67
95	253.451,84	832,17	1.814,50	2.646,67	251.637,34	103.070,67	148.362,66	251.433,33
96	251.637,34	826,21	1.820,46	2.646,67	249.816,88	103.896,88	150.183,12	254.080,00
97	249.816,88	820,23	1.826,43	2.646,67	247.990,44	104.717,11	152.009,56	256.726,67
98	247.990,44	814,24	1.832,43	2.646,67	246.158,01	105.531,35	153.841,99	259.373,33
99	246.158,01	808,22	1.838,45	2.646,67	244.319,57	106.339,57	155.680,43	262.020,00
100	244.319,57	802,18	1.844,48	2.646,67	242.475,08	107.141,75	157.524,92	264.666,67
101	242.475,08	796,13	1.850,54	2.646,67	240.624,54	107.937,87	159.375,46	267.313,33
102	240.624,54	790,05	1.856,62	2.646,67	238.767,93	108.727,93	161.232,07	269.960,00
103	238.767,93	783,95	1.862,71	2.646,67	236.905,21	109.511,88	163.094,79	272.606,67
104	236.905,21	777,84	1.868,83	2.646,67	235.036,39	110.289,72	164.963,61	275.253,33
105	235.036,39	771,70	1.874,96	2.646,67	233.161,42	111.061,42	166.838,58	277.900,00
106	233.161,42	765,55	1.881,12	2.646,67	231.280,30	111.826,97	168.719,70	280.546,67
107	231.280,30	759,37	1.887,30	2.646,67	229.393,01	112.586,34	170.606,99	283.193,33
108	229.393,01	753,17	1.893,49	2.646,67	227.499,51	113.339,51	172.500,49	285.840,00
109	227.499,51	746,96	1.899,71	2.646,67	225.599,80	114.086,47	174.400,20	288.486,67
110	225.599,80	740,72	1.905,95	2.646,67	223.693,86	114.827,19	176.306,14	291.133,33
111	223.693,86	734,46	1.912,21	2.646,67	221.781,65	115.561,65	178.218,35	293.780,00
112	221.781,65	728,18	1.918,48	2.646,67	219.863,17	116.289,83	180.136,83	296.426,67
113	219.863,17	721,88	1.924,78	2.646,67	217.938,38	117.011,72	182.061,62	299.073,33
114	217.938,38	715,56	1.931,10	2.646,67	216.007,28	117.727,28	183.992,72	301.720,00
115	216.007,28	709,22	1.937,44	2.646,67	214.069,84	118.436,51	185.930,16	304.366,67
116	214.069,84	702,86	1.943,80	2.646,67	212.126,03	119.139,37	187.873,97	307.013,33
117	212.126,03	696,48	1.950,19	2.646,67	210.175,85	119.835,85	189.824,15	309.660,00
118	210.175,85	690,08	1.956,59	2.646,67	208.219,26	120.525,93	191.780,74	312.306,67
119	208.219,26	683,65	1.963,01	2.646,67	206.256,25	121.209,58	193.743,75	314.953,33
120	206.256,25	677,21	1.969,46	2.646,67	204.286,79	121.886,79	195.713,21	317.600,00
121	204.286,79	670,74	1.975,93	2.646,67	202.310,86	122.557,53	197.689,14	320.246,67
122	202.310,86	664,25	1.982,41	2.646,67	200.328,45	123.221,78	199.671,55	322.893,33
123	200.328,45	657,75	1.988,92	2.646,67	198.339,53	123.879,53	201.660,47	325.540,00
124	198.339,53	651,21	1.995,45	2.646,67	196.344,08	124.530,74	203.655,92	328.186,67
125	196.344,08	644,66	2.002,00	2.646,67	194.342,07	125.175,41	205.657,93	330.833,33
126	194.342,07	638,09	2.008,58	2.646,67	192.333,50	125.813,50	207.666,50	333.480,00
127	192.333,50	631,49	2.015,17	2.646,67	190.318,32	126.444,99	209.681,68	336.126,67
128	190.318,32	624,88	2.021,79	2.646,67	188.296,54	127.069,87	211.703,46	338.773,33
129	188.296,54	618,24	2.028,43	2.646,67	186.268,11	127.688,11	213.731,89	341.420,00
130	186.268,11	611,58	2.035,09	2.646,67	184.233,02	128.299,69	215.766,98	344.066,67
131	184.233,02	604,90	2.041,77	2.646,67	182.191,25	128.904,59	217.808,75	346.713,33
132	182.191,25	598,19	2.048,47	2.646,67	180.142,78	129.502,78	219.857,22	349.360,00
133	180.142,78	591,47	2.055,20	2.646,67	178.087,58	130.094,25	221.912,42	352.006,67
134	178.087,58	584,72	2.061,95	2.646,67	176.025,64	130.678,97	223.974,36	354.653,33
135	176.025,64	577,95	2.068,72	2.646,67	173.956,92	131.256,92	226.043,08	357.300,00
136	173.956,92	571,16	2.075,51	2.646,67	171.881,41	131.828,08	228.118,59	359.946,67
137	171.881,41	564,34	2.082,32	2.646,67	169.799,09	132.392,43	230.200,91	362.593,33
138	169.799,09	557,51	2.089,16	2.646,67	167.709,93	132.949,93	232.290,07	365.240,00
139	167.709,93	550,65	2.096,02	2.646,67	165.613,91	133.500,58	234.386,09	367.886,67
140	165.613,91	543,77	2.102,90	2.646,67	163.511,01	134.044,35	236.488,99	370.533,33
141	163.511,01	536,86	2.109,81	2.646,67	161.401,21	134.581,21	238.598,79	373.180,00
142	161.401,21	529,93	2.116,73	2.646,67	159.284,47	135.111,14	240.715,53	375.826,67
143	159.284,47	522,98	2.123,68	2.646,67	157.160,79	135.634,12	242.839,21	378.473,33
144	157.160,79	516,01	2.130,66	2.646,67	155.030,14	136.150,14	244.969,86	381.120,00
145	155.030,14	509,02	2.137,65	2.646,67	152.892,49	136.659,15	247.107,51	383.766,67
146	152.892,49	502,00	2.144,67	2.646,67	150.747,82	137.161,15	249.252,18	386.413,33
147	150.747,82	494,96	2.151,71	2.646,67	148.596,10	137.656,10	251.403,90	389.060,00
148	148.596,10	487,89	2.158,78	2.646,67	146.437,33	138.143,99	253.562,67	391.706,67
149	146.437,33	480,80	2.165,86	2.646,67	144.271,46	138.624,80	255.728,54	394.353,33
150	144.271,46	473,69	2.172,98	2.646,67	142.098,49	139.098,49	257.901,51	397.000,00
151	142.098,49	466,56	2.180,11	2.646,67	139.918,38	139.565,05	260.081,62	399.646,67
152	139.918,38	459,40	2.187,27	2.646,67	137.731,11	140.024,44	262.268,89	402.293,33
153	137.731,11	452,22	2.194,45	2.646,67	135.536,66	140.476,66	264.463,34	404.940,00
154	135.536,66	445,01	2.201,65	2.646,67	133.335,01	140.921,67	266.664,99	407.586,67
155	133.335,01	437,78	2.208,88	2.646,67	131.126,12	141.359,46	268.873,88	410.233,33
156	131.126,12	430,53	2.216,14	2.646,67	128.909,99	141.789,99	271.090,01	412.880,00
157	128.909,99	423,25	2.223,41	2.646,67	126.686,57	142.213,24	273.313,43	415.526,67
158	126.686,57	415,95	2.230,71	2.646,67	124.455,86	142.629,20	275.544,14	418.173,33
159	124.455,86	408,63	2.238,04	2.646,67	122.217,83	143.037,83	277.782,17	420.820,00
160	122.217,83	401,28	2.245,38	2.646,67	119.972,44	143.439,11	280.027,56	423.466,67
161	119.972,44	393,91	2.252,76	2.646,67	117.719,68	143.833,02	282.280,32	426.113,33
162	117.719,68	386,51	2.260,15	2.646,67	115.459,53	144.219,53	284.540,47	428.760,00
163	115.459,53	379,09	2.267,57	2.646,67	113.191,96	144.598,62	286.808,04	431.406,67
164	113.191,96	371,65	2.275,02	2.646,67	110.916,94	144.970,27	289.083,06	434.053,33
165	110.916,94	364,18	2.282,49	2.646,67	108.634,45	145.334,45	291.365,55	436.700,00
166	108.634,45	356,68	2.289,98	2.646,67	106.344,46	145.691,13	293.655,54	439.346,67
167	106.344,46	349,16	2.297,50	2.646,67	104.046,96	146.040,29	295.953,04	441.993,33
168	104.046,96	341,62	2.305,05	2.646,67	101.741,91	146.381,91	298.258,09	444.640,00
169	101.741,91	334,05	2.312,61	2.646,67	99.429,30	146.715,97	300.570,70	447.286,67
170	99.429,30	326,46	2.320,21	2.646,67	97.109,09	147.042,43	302.890,91	449.933,33
171	97.109,09	318,84	2.327,83	2.646,67	94.781,27	147.361,27	305.218,73	452.580,00
172	94.781,27	311,20	2.335,47	2.646,67	92.445,80	147.672,47	307.554,20	455.226,67
173	92.445,80	303,53	2.343,14	2.646,67	90.102,66	147.976,00	309.897,34	457.873,33
174	90.102,66	295,84	2.350,83	2.646,67	87.751,83	148.271,83	312.248,17	460.520,00
175	87.751,83	288,12	2.358,55	2.646,67	85.393,29	148.559,95	314.606,71	463.166,67
176	85.393,29	280,37	2.366,29	2.646,67	83.026,99	148.840,33	316.973,01	465.813,33
177	83.026,99	272,61	2.374,06	2.646,67	80.652,93	149.112,93	319.347,07	468.460,00
178	80.652,93	264,81	2.381,86	2.646,67	78.271,08	149.377,74	321.728,92	471.106,67
179	78.271,08	256,99	2.389,68	2.646,67	75.881,40	149.634,73	324.118,60	473.753,33
180	75.881,40	249,14	2.397,52	2.646,67	73.483,88	149.883,88	326.516,12	476.400,00
181	73.483,88	241,27	2.405,39	2.646,67	71.078,48	150.125,15	328.921,52	479.046,67
182	71.078,48	233,37	2.413,29	2.646,67	68.665,19	150.358,52	331.334,81	481.693,33
183	68.665,19	225,45	2.421,22	2.646,67	66.243,97	150.583,97	333.756,03	484.340,00
184	66.243,97	217,50	2.429,17	2.646,67	63.814,81	150.801,48	336.185,19	486.986,67
185	63.814,81	209,53	2.437,14	2.646,67	61.377,67	151.011,00	338.622,33	489.633,33
186	61.377,67	201,52	2.445,14	2.646,67	58.932,52	151.212,52	341.067,48	492.280,00
187	58.932,52	193,50	2.453,17	2.646,67	56.479,35	151.406,02	343.520,65	494.926,67
188	56.479,35	185,44	2.461,23	2.646,67	54.018,13	151.591,46	345.981,87	497.573,33
189	54.018,13	177,36	2.469,31	2.646,67	51.548,82	151.768,82	348.451,18	500.220,00
190	51.548,82	169,25	2.477,41	2.646,67	49.071,40	151.938,07	350.928,60	502.866,67
191	49.071,40	161,12	2.485,55	2.646,67	46.585,86	152.099,19	353.414,14	505.513,33
192	46.585,86	152,96	2.493,71	2.646,67	44.092,15	152.252,15	355.907,85	508.160,00
193	44.092,15	144,77	2.501,90	2.646,67	41.590,25	152.396,92	358.409,75	510.806,67
194	41.590,25	136,55	2.510,11	2.646,67	39.080,14	152.533,47	360.919,86	513.453,33
195	39.080,14	128,31	2.518,35	2.646,67	36.561,78	152.661,78	363.438,22	516.100,00
196	36.561,78	120,04	2.526,62	2.646,67	34.035,16	152.781,83	365.964,84	518.746,67
197	34.035,16	111,75	2.534,92	2.646,67	31.500,24	152.893,58	368.499,76	521.393,33
198	31.500,24	103,43	2.543,24	2.646,67	28.957,00	152.997,00	371.043,00	524.040,00
199	28.957,00	95,08	2.551,59	2.646,67	26.405,41	153.092,08	373.594,59	526.686,67
200	26.405,41	86,70	2.559,97	2.646,67	23.845,44	153.178,78	376.154,56	529.333,33
201	23.845,44	78,29	2.568,37	2.646,67	21.277,07	153.257,07	378.722,93	531.980,00
202	21.277,07	69,86	2.576,81	2.646,67	18.700,26	153.326,93	381.299,74	534.626,67
203	18.700,26	61,40	2.585,27	2.646,67	16.114,99	153.388,33	383.885,01	537.273,33
204	16.114,99	52,91	2.593,76	2.646,67	13.521,24	153.441,24	386.478,76	539.920,00
205	13.521,24	44,39	2.602,27	2.646,67	10.918,97	153.485,63	389.081,03	542.566,67
206	10.918,97	35,85	2.610,82	2.646,67	8.308,15	153.521,48	391.691,85	545.213,33
207	8.308,15	27,28	2.619,39	2.646,67	5.688,76	153.548,76	394.311,24	547.860,00
208	5.688,76	18,68	2.627,99	2.646,67	3.060,77	153.567,44	396.939,23	550.506,67
209	3.060,77	10,05	2.636,62	2.646,67	424,16	153.577,49	399.575,84	553.153,33
210	424,16	1,39	424,16	424,16	424,16	153.578,88	400.000,00	553.578,88

Baufinanzierung

4.07/5,00

155.751,52€
Zinsanteil

2.670,00€
Monatsrate

4,01%
Sollzins p.a.

4,10%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 1.480,00 €;Gesamtbetrag: 179.080,00 €;Anzahl Kreditraten: 120;Laufzeit: 333 Monate;Effektiver Jahreszins: 4,02 %;Gebundener Sollzins: 3,92 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.336,67	1.333,33	2.670,00	398.666,67	1.336,67	1.333,33	2.670,00
2	398.666,67	1.332,21	1.337,79	2.670,00	397.328,88	2.668,88	2.671,12	5.340,00
3	397.328,88	1.327,74	1.342,26	2.670,00	395.986,62	3.996,62	4.013,38	8.010,00
4	395.986,62	1.323,26	1.346,74	2.670,00	394.639,87	5.319,87	5.360,13	10.680,00
5	394.639,87	1.318,75	1.351,25	2.670,00	393.288,63	6.638,63	6.711,37	13.350,00
6	393.288,63	1.314,24	1.355,76	2.670,00	391.932,87	7.952,87	8.067,13	16.020,00
7	391.932,87	1.309,71	1.360,29	2.670,00	390.572,58	9.262,58	9.427,42	18.690,00
8	390.572,58	1.305,16	1.364,84	2.670,00	389.207,74	10.567,74	10.792,26	21.360,00
9	389.207,74	1.300,60	1.369,40	2.670,00	387.838,34	11.868,34	12.161,66	24.030,00
10	387.838,34	1.296,03	1.373,97	2.670,00	386.464,37	13.164,37	13.535,63	26.700,00
11	386.464,37	1.291,44	1.378,56	2.670,00	385.085,80	14.455,80	14.914,20	29.370,00
12	385.085,80	1.286,83	1.383,17	2.670,00	383.702,63	15.742,63	16.297,37	32.040,00
13	383.702,63	1.282,21	1.387,79	2.670,00	382.314,84	17.024,84	17.685,16	34.710,00
14	382.314,84	1.277,57	1.392,43	2.670,00	380.922,41	18.302,41	19.077,59	37.380,00
15	380.922,41	1.272,92	1.397,08	2.670,00	379.525,32	19.575,32	20.474,68	40.050,00
16	379.525,32	1.268,25	1.401,75	2.670,00	378.123,57	20.843,57	21.876,43	42.720,00
17	378.123,57	1.263,56	1.406,44	2.670,00	376.717,13	22.107,13	23.282,87	45.390,00
18	376.717,13	1.258,86	1.411,14	2.670,00	375.306,00	23.366,00	24.694,00	48.060,00
19	375.306,00	1.254,15	1.415,85	2.670,00	373.890,14	24.620,14	26.109,86	50.730,00
20	373.890,14	1.249,42	1.420,58	2.670,00	372.469,56	25.869,56	27.530,44	53.400,00
21	372.469,56	1.244,67	1.425,33	2.670,00	371.044,23	27.114,23	28.955,77	56.070,00
22	371.044,23	1.239,91	1.430,09	2.670,00	369.614,14	28.354,14	30.385,86	58.740,00
23	369.614,14	1.235,13	1.434,87	2.670,00	368.179,26	29.589,26	31.820,74	61.410,00
24	368.179,26	1.230,33	1.439,67	2.670,00	366.739,60	30.819,60	33.260,40	64.080,00
25	366.739,60	1.225,52	1.444,48	2.670,00	365.295,12	32.045,12	34.704,88	66.750,00
26	365.295,12	1.220,69	1.449,31	2.670,00	363.845,81	33.265,81	36.154,19	69.420,00
27	363.845,81	1.215,85	1.454,15	2.670,00	362.391,66	34.481,66	37.608,34	72.090,00
28	362.391,66	1.210,99	1.459,01	2.670,00	360.932,66	35.692,66	39.067,34	74.760,00
29	360.932,66	1.206,12	1.463,88	2.670,00	359.468,77	36.898,77	40.531,23	77.430,00
30	359.468,77	1.201,22	1.468,78	2.670,00	358.000,00	38.100,00	42.000,00	80.100,00
31	358.000,00	1.196,32	1.473,68	2.670,00	356.526,31	39.296,31	43.473,69	82.770,00
32	356.526,31	1.191,39	1.478,61	2.670,00	355.047,71	40.487,71	44.952,29	85.440,00
33	355.047,71	1.186,45	1.483,55	2.670,00	353.564,16	41.674,16	46.435,84	88.110,00
34	353.564,16	1.181,49	1.488,51	2.670,00	352.075,65	42.855,65	47.924,35	90.780,00
35	352.075,65	1.176,52	1.493,48	2.670,00	350.582,17	44.032,17	49.417,83	93.450,00
36	350.582,17	1.171,53	1.498,47	2.670,00	349.083,70	45.203,70	50.916,30	96.120,00
37	349.083,70	1.166,52	1.503,48	2.670,00	347.580,22	46.370,22	52.419,78	98.790,00
38	347.580,22	1.161,50	1.508,50	2.670,00	346.071,72	47.531,72	53.928,28	101.460,00
39	346.071,72	1.156,46	1.513,54	2.670,00	344.558,17	48.688,17	55.441,83	104.130,00
40	344.558,17	1.151,40	1.518,60	2.670,00	343.039,57	49.839,57	56.960,43	106.800,00
41	343.039,57	1.146,32	1.523,68	2.670,00	341.515,90	50.985,90	58.484,10	109.470,00
42	341.515,90	1.141,23	1.528,77	2.670,00	339.987,13	52.127,13	60.012,87	112.140,00
43	339.987,13	1.136,12	1.533,88	2.670,00	338.453,25	53.263,25	61.546,75	114.810,00
44	338.453,25	1.131,00	1.539,00	2.670,00	336.914,25	54.394,25	63.085,75	117.480,00
45	336.914,25	1.125,86	1.544,14	2.670,00	335.370,10	55.520,10	64.629,90	120.150,00
46	335.370,10	1.120,70	1.549,30	2.670,00	333.820,80	56.640,80	66.179,20	122.820,00
47	333.820,80	1.115,52	1.554,48	2.670,00	332.266,32	57.756,32	67.733,68	125.490,00
48	332.266,32	1.110,32	1.559,68	2.670,00	330.706,64	58.866,64	69.293,36	128.160,00
49	330.706,64	1.105,11	1.564,89	2.670,00	329.141,75	59.971,75	70.858,25	130.830,00
50	329.141,75	1.099,88	1.570,12	2.670,00	327.571,63	61.071,63	72.428,37	133.500,00
51	327.571,63	1.094,64	1.575,36	2.670,00	325.996,27	62.166,27	74.003,73	136.170,00
52	325.996,27	1.089,37	1.580,63	2.670,00	324.415,64	63.255,64	75.584,36	138.840,00
53	324.415,64	1.084,09	1.585,91	2.670,00	322.829,73	64.339,73	77.170,27	141.510,00
54	322.829,73	1.078,79	1.591,21	2.670,00	321.238,52	65.418,52	78.761,48	144.180,00
55	321.238,52	1.073,47	1.596,53	2.670,00	319.641,99	66.491,99	80.358,01	146.850,00
56	319.641,99	1.068,14	1.601,86	2.670,00	318.040,13	67.560,13	81.959,87	149.520,00
57	318.040,13	1.062,78	1.607,22	2.670,00	316.432,91	68.622,91	83.567,09	152.190,00
58	316.432,91	1.057,41	1.612,59	2.670,00	314.820,32	69.680,32	85.179,68	154.860,00
59	314.820,32	1.052,02	1.617,98	2.670,00	313.202,35	70.732,35	86.797,65	157.530,00
60	313.202,35	1.046,62	1.623,38	2.670,00	311.578,97	71.778,97	88.421,03	160.200,00
61	311.578,97	1.041,19	1.628,81	2.670,00	309.950,16	72.820,16	90.049,84	162.870,00
62	309.950,16	1.035,75	1.634,25	2.670,00	308.315,91	73.855,91	91.684,09	165.540,00
63	308.315,91	1.030,29	1.639,71	2.670,00	306.676,20	74.886,20	93.323,80	168.210,00
64	306.676,20	1.024,81	1.645,19	2.670,00	305.031,01	75.911,01	94.968,99	170.880,00
65	305.031,01	1.019,31	1.650,69	2.670,00	303.380,32	76.930,32	96.619,68	173.550,00
66	303.380,32	1.013,80	1.656,20	2.670,00	301.724,12	77.944,12	98.275,88	176.220,00
67	301.724,12	1.008,26	1.661,74	2.670,00	300.062,38	78.952,38	99.937,62	178.890,00
68	300.062,38	1.002,71	1.667,29	2.670,00	298.395,09	79.955,09	101.604,91	181.560,00
69	298.395,09	997,14	1.672,86	2.670,00	296.722,22	80.952,22	103.277,78	184.230,00
70	296.722,22	991,55	1.678,45	2.670,00	295.043,77	81.943,77	104.956,23	186.900,00
71	295.043,77	985,94	1.684,06	2.670,00	293.359,71	82.929,71	106.640,29	189.570,00
72	293.359,71	980,31	1.689,69	2.670,00	291.670,02	83.910,02	108.329,98	192.240,00
73	291.670,02	974,66	1.695,34	2.670,00	289.974,68	84.884,68	110.025,32	194.910,00
74	289.974,68	969,00	1.701,00	2.670,00	288.273,68	85.853,68	111.726,32	197.580,00
75	288.273,68	963,31	1.706,69	2.670,00	286.567,00	86.817,00	113.433,00	200.250,00
76	286.567,00	957,61	1.712,39	2.670,00	284.854,61	87.774,61	115.145,39	202.920,00
77	284.854,61	951,89	1.718,11	2.670,00	283.136,50	88.726,50	116.863,50	205.590,00
78	283.136,50	946,15	1.723,85	2.670,00	281.412,64	89.672,64	118.587,36	208.260,00
79	281.412,64	940,39	1.729,61	2.670,00	279.683,03	90.613,03	120.316,97	210.930,00
80	279.683,03	934,61	1.735,39	2.670,00	277.947,64	91.547,64	122.052,36	213.600,00
81	277.947,64	928,81	1.741,19	2.670,00	276.206,45	92.476,45	123.793,55	216.270,00
82	276.206,45	922,99	1.747,01	2.670,00	274.459,44	93.399,44	125.540,56	218.940,00
83	274.459,44	917,15	1.752,85	2.670,00	272.706,59	94.316,59	127.293,41	221.610,00
84	272.706,59	911,29	1.758,71	2.670,00	270.947,88	95.227,88	129.052,12	224.280,00
85	270.947,88	905,42	1.764,58	2.670,00	269.183,30	96.133,30	130.816,70	226.950,00
86	269.183,30	899,52	1.770,48	2.670,00	267.412,82	97.032,82	132.587,18	229.620,00
87	267.412,82	893,60	1.776,40	2.670,00	265.636,43	97.926,43	134.363,57	232.290,00
88	265.636,43	887,67	1.782,33	2.670,00	263.854,10	98.814,10	136.145,90	234.960,00
89	263.854,10	881,71	1.788,29	2.670,00	262.065,81	99.695,81	137.934,19	237.630,00
90	262.065,81	875,74	1.794,26	2.670,00	260.271,54	100.571,54	139.728,46	240.300,00
91	260.271,54	869,74	1.800,26	2.670,00	258.471,28	101.441,28	141.528,72	242.970,00
92	258.471,28	863,72	1.806,28	2.670,00	256.665,01	102.305,01	143.334,99	245.640,00
93	256.665,01	857,69	1.812,31	2.670,00	254.852,70	103.162,70	145.147,30	248.310,00
94	254.852,70	851,63	1.818,37	2.670,00	253.034,33	104.014,33	146.965,67	250.980,00
95	253.034,33	845,56	1.824,44	2.670,00	251.209,89	104.859,89	148.790,11	253.650,00
96	251.209,89	839,46	1.830,54	2.670,00	249.379,35	105.699,35	150.620,65	256.320,00
97	249.379,35	833,34	1.836,66	2.670,00	247.542,69	106.532,69	152.457,31	258.990,00
98	247.542,69	827,21	1.842,79	2.670,00	245.699,90	107.359,90	154.300,10	261.660,00
99	245.699,90	821,05	1.848,95	2.670,00	243.850,94	108.180,94	156.149,06	264.330,00
100	243.850,94	814,87	1.855,13	2.670,00	241.995,81	108.995,81	158.004,19	267.000,00
101	241.995,81	808,67	1.861,33	2.670,00	240.134,48	109.804,48	159.865,52	269.670,00
102	240.134,48	802,45	1.867,55	2.670,00	238.266,93	110.606,93	161.733,07	272.340,00
103	238.266,93	796,21	1.873,79	2.670,00	236.393,14	111.403,14	163.606,86	275.010,00
104	236.393,14	789,95	1.880,05	2.670,00	234.513,09	112.193,09	165.486,91	277.680,00
105	234.513,09	783,66	1.886,34	2.670,00	232.626,75	112.976,75	167.373,25	280.350,00
106	232.626,75	777,36	1.892,64	2.670,00	230.734,11	113.754,11	169.265,89	283.020,00
107	230.734,11	771,04	1.898,96	2.670,00	228.835,15	114.525,15	171.164,85	285.690,00
108	228.835,15	764,69	1.905,31	2.670,00	226.929,84	115.289,84	173.070,16	288.360,00
109	226.929,84	758,32	1.911,68	2.670,00	225.018,16	116.048,16	174.981,84	291.030,00
110	225.018,16	751,94	1.918,06	2.670,00	223.100,10	116.800,10	176.899,90	293.700,00
111	223.100,10	745,53	1.924,47	2.670,00	221.175,62	117.545,62	178.824,38	296.370,00
112	221.175,62	739,10	1.930,90	2.670,00	219.244,72	118.284,72	180.755,28	299.040,00
113	219.244,72	732,64	1.937,36	2.670,00	217.307,36	119.017,36	182.692,64	301.710,00
114	217.307,36	726,17	1.943,83	2.670,00	215.363,53	119.743,53	184.636,47	304.380,00
115	215.363,53	719,67	1.950,33	2.670,00	213.413,20	120.463,20	186.586,80	307.050,00
116	213.413,20	713,16	1.956,84	2.670,00	211.456,36	121.176,36	188.543,64	309.720,00
117	211.456,36	706,62	1.963,38	2.670,00	209.492,98	121.882,98	190.507,02	312.390,00
118	209.492,98	700,06	1.969,94	2.670,00	207.523,03	122.583,03	192.476,97	315.060,00
119	207.523,03	693,47	1.976,53	2.670,00	205.546,50	123.276,50	194.453,50	317.730,00
120	205.546,50	686,87	1.983,13	2.670,00	203.563,37	123.963,37	196.436,63	320.400,00
121	203.563,37	680,24	1.989,76	2.670,00	201.573,61	124.643,61	198.426,39	323.070,00
122	201.573,61	673,59	1.996,41	2.670,00	199.577,21	125.317,21	200.422,79	325.740,00
123	199.577,21	666,92	2.003,08	2.670,00	197.574,13	125.984,13	202.425,87	328.410,00
124	197.574,13	660,23	2.009,77	2.670,00	195.564,35	126.644,35	204.435,65	331.080,00
125	195.564,35	653,51	2.016,49	2.670,00	193.547,86	127.297,86	206.452,14	333.750,00
126	193.547,86	646,77	2.023,23	2.670,00	191.524,64	127.944,64	208.475,36	336.420,00
127	191.524,64	640,01	2.029,99	2.670,00	189.494,65	128.584,65	210.505,35	339.090,00
128	189.494,65	633,23	2.036,77	2.670,00	187.457,88	129.217,88	212.542,12	341.760,00
129	187.457,88	626,42	2.043,58	2.670,00	185.414,30	129.844,30	214.585,70	344.430,00
130	185.414,30	619,59	2.050,41	2.670,00	183.363,89	130.463,89	216.636,11	347.100,00
131	183.363,89	612,74	2.057,26	2.670,00	181.306,63	131.076,63	218.693,37	349.770,00
132	181.306,63	605,87	2.064,13	2.670,00	179.242,50	131.682,50	220.757,50	352.440,00
133	179.242,50	598,97	2.071,03	2.670,00	177.171,47	132.281,47	222.828,53	355.110,00
134	177.171,47	592,05	2.077,95	2.670,00	175.093,51	132.873,51	224.906,49	357.780,00
135	175.093,51	585,10	2.084,90	2.670,00	173.008,62	133.458,62	226.991,38	360.450,00
136	173.008,62	578,14	2.091,86	2.670,00	170.916,76	134.036,76	229.083,24	363.120,00
137	170.916,76	571,15	2.098,85	2.670,00	168.817,90	134.607,90	231.182,10	365.790,00
138	168.817,90	564,13	2.105,87	2.670,00	166.712,04	135.172,04	233.287,96	368.460,00
139	166.712,04	557,10	2.112,90	2.670,00	164.599,13	135.729,13	235.400,87	371.130,00
140	164.599,13	550,04	2.119,96	2.670,00	162.479,17	136.279,17	237.520,83	373.800,00
141	162.479,17	542,95	2.127,05	2.670,00	160.352,12	136.822,12	239.647,88	376.470,00
142	160.352,12	535,84	2.134,16	2.670,00	158.217,96	137.357,96	241.782,04	379.140,00
143	158.217,96	528,71	2.141,29	2.670,00	156.076,67	137.886,67	243.923,33	381.810,00
144	156.076,67	521,56	2.148,44	2.670,00	153.928,23	138.408,23	246.071,77	384.480,00
145	153.928,23	514,38	2.155,62	2.670,00	151.772,61	138.922,61	248.227,39	387.150,00
146	151.772,61	507,17	2.162,83	2.670,00	149.609,78	139.429,78	250.390,22	389.820,00
147	149.609,78	499,95	2.170,05	2.670,00	147.439,73	139.929,73	252.560,27	392.490,00
148	147.439,73	492,69	2.177,31	2.670,00	145.262,42	140.422,42	254.737,58	395.160,00
149	145.262,42	485,42	2.184,58	2.670,00	143.077,84	140.907,84	256.922,16	397.830,00
150	143.077,84	478,12	2.191,88	2.670,00	140.885,96	141.385,96	259.114,04	400.500,00
151	140.885,96	470,79	2.199,21	2.670,00	138.686,75	141.856,75	261.313,25	403.170,00
152	138.686,75	463,44	2.206,56	2.670,00	136.480,20	142.320,20	263.519,80	405.840,00
153	136.480,20	456,07	2.213,93	2.670,00	134.266,27	142.776,27	265.733,73	408.510,00
154	134.266,27	448,67	2.221,33	2.670,00	132.044,94	143.224,94	267.955,06	411.180,00
155	132.044,94	441,25	2.228,75	2.670,00	129.816,19	143.666,19	270.183,81	413.850,00
156	129.816,19	433,80	2.236,20	2.670,00	127.579,99	144.099,99	272.420,01	416.520,00
157	127.579,99	426,33	2.243,67	2.670,00	125.336,32	144.526,32	274.663,68	419.190,00
158	125.336,32	418,83	2.251,17	2.670,00	123.085,16	144.945,16	276.914,84	421.860,00
159	123.085,16	411,31	2.258,69	2.670,00	120.826,46	145.356,46	279.173,54	424.530,00
160	120.826,46	403,76	2.266,24	2.670,00	118.560,23	145.760,23	281.439,77	427.200,00
161	118.560,23	396,19	2.273,81	2.670,00	116.286,42	146.156,42	283.713,58	429.870,00
162	116.286,42	388,59	2.281,41	2.670,00	114.005,01	146.545,01	285.994,99	432.540,00
163	114.005,01	380,97	2.289,03	2.670,00	111.715,97	146.925,97	288.284,03	435.210,00
164	111.715,97	373,32	2.296,68	2.670,00	109.419,29	147.299,29	290.580,71	437.880,00
165	109.419,29	365,64	2.304,36	2.670,00	107.114,93	147.664,93	292.885,07	440.550,00
166	107.114,93	357,94	2.312,06	2.670,00	104.802,88	148.022,88	295.197,12	443.220,00
167	104.802,88	350,22	2.319,78	2.670,00	102.483,09	148.373,09	297.516,91	445.890,00
168	102.483,09	342,46	2.327,54	2.670,00	100.155,56	148.715,56	299.844,44	448.560,00
169	100.155,56	334,69	2.335,31	2.670,00	97.820,24	149.050,24	302.179,76	451.230,00
170	97.820,24	326,88	2.343,12	2.670,00	95.477,12	149.377,12	304.522,88	453.900,00
171	95.477,12	319,05	2.350,95	2.670,00	93.126,18	149.696,18	306.873,82	456.570,00
172	93.126,18	311,20	2.358,80	2.670,00	90.767,37	150.007,37	309.232,63	459.240,00
173	90.767,37	303,31	2.366,69	2.670,00	88.400,69	150.310,69	311.599,31	461.910,00
174	88.400,69	295,41	2.374,59	2.670,00	86.026,09	150.606,09	313.973,91	464.580,00
175	86.026,09	287,47	2.382,53	2.670,00	83.643,56	150.893,56	316.356,44	467.250,00
176	83.643,56	279,51	2.390,49	2.670,00	81.253,07	151.173,07	318.746,93	469.920,00
177	81.253,07	271,52	2.398,48	2.670,00	78.854,59	151.444,59	321.145,41	472.590,00
178	78.854,59	263,51	2.406,49	2.670,00	76.448,10	151.708,10	323.551,90	475.260,00
179	76.448,10	255,46	2.414,54	2.670,00	74.033,56	151.963,56	325.966,44	477.930,00
180	74.033,56	247,40	2.422,60	2.670,00	71.610,96	152.210,96	328.389,04	480.600,00
181	71.610,96	239,30	2.430,70	2.670,00	69.180,26	152.450,26	330.819,74	483.270,00
182	69.180,26	231,18	2.438,82	2.670,00	66.741,44	152.681,44	333.258,56	485.940,00
183	66.741,44	223,03	2.446,97	2.670,00	64.294,46	152.904,46	335.705,54	488.610,00
184	64.294,46	214,85	2.455,15	2.670,00	61.839,32	153.119,32	338.160,68	491.280,00
185	61.839,32	206,65	2.463,35	2.670,00	59.375,96	153.325,96	340.624,04	493.950,00
186	59.375,96	198,41	2.471,59	2.670,00	56.904,38	153.524,38	343.095,62	496.620,00
187	56.904,38	190,16	2.479,84	2.670,00	54.424,53	153.714,53	345.575,47	499.290,00
188	54.424,53	181,87	2.488,13	2.670,00	51.936,40	153.896,40	348.063,60	501.960,00
189	51.936,40	173,55	2.496,45	2.670,00	49.439,95	154.069,95	350.560,05	504.630,00
190	49.439,95	165,21	2.504,79	2.670,00	46.935,17	154.235,17	353.064,83	507.300,00
191	46.935,17	156,84	2.513,16	2.670,00	44.422,01	154.392,01	355.577,99	509.970,00
192	44.422,01	148,44	2.521,56	2.670,00	41.900,45	154.540,45	358.099,55	512.640,00
193	41.900,45	140,02	2.529,98	2.670,00	39.370,47	154.680,47	360.629,53	515.310,00
194	39.370,47	131,56	2.538,44	2.670,00	36.832,03	154.812,03	363.167,97	517.980,00
195	36.832,03	123,08	2.546,92	2.670,00	34.285,11	154.935,11	365.714,89	520.650,00
196	34.285,11	114,57	2.555,43	2.670,00	31.729,68	155.049,68	368.270,32	523.320,00
197	31.729,68	106,03	2.563,97	2.670,00	29.165,71	155.155,71	370.834,29	525.990,00
198	29.165,71	97,46	2.572,54	2.670,00	26.593,17	155.253,17	373.406,83	528.660,00
199	26.593,17	88,87	2.581,13	2.670,00	24.012,04	155.342,04	375.987,96	531.330,00
200	24.012,04	80,24	2.589,76	2.670,00	21.422,28	155.422,28	378.577,72	534.000,00
201	21.422,28	71,59	2.598,41	2.670,00	18.823,87	155.493,87	381.176,13	536.670,00
202	18.823,87	62,90	2.607,10	2.670,00	16.216,77	155.556,77	383.783,23	539.340,00
203	16.216,77	54,19	2.615,81	2.670,00	13.600,96	155.610,96	386.399,04	542.010,00
204	13.600,96	45,45	2.624,55	2.670,00	10.976,41	155.656,41	389.023,59	544.680,00
205	10.976,41	36,68	2.633,32	2.670,00	8.343,09	155.693,09	391.656,91	547.350,00
206	8.343,09	27,88	2.642,12	2.670,00	5.700,97	155.720,97	394.299,03	550.020,00
207	5.700,97	19,05	2.650,95	2.670,00	3.050,02	155.740,02	396.949,98	552.690,00
208	3.050,02	10,19	2.659,81	2.670,00	390,21	155.750,21	399.609,79	555.360,00
209	390,21	1,30	390,21	390,21	390,21	155.751,52	400.000,00	555.751,52

Baufinanzierung

3.79/5,00

0,10% p.a. Rabatt für Darlehen ab 200.000 Euro

164.908,70€
Zinsanteil

2.770,00€
Monatsrate

4,31%
Sollzins p.a.

4,42%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 1.787,50 €;Gesamtbetrag: 321.750,00 €;Anzahl Kreditraten: 180;Laufzeit: 252 Monate;Effektiver Jahreszins: 4,26 %;Gebundener Sollzins: 4,15 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.436,67	1.333,33	2.770,00	398.666,67	1.436,67	1.333,33	2.770,00
2	398.666,67	1.431,88	1.338,12	2.770,00	397.328,54	2.868,54	2.671,46	5.540,00
3	397.328,54	1.427,07	1.342,93	2.770,00	395.985,62	4.295,62	4.014,38	8.310,00
4	395.985,62	1.422,25	1.347,75	2.770,00	394.637,86	5.717,86	5.362,14	11.080,00
5	394.637,86	1.417,41	1.352,59	2.770,00	393.285,27	7.135,27	6.714,73	13.850,00
6	393.285,27	1.412,55	1.357,45	2.770,00	391.927,82	8.547,82	8.072,18	16.620,00
7	391.927,82	1.407,67	1.362,33	2.770,00	390.565,50	9.955,50	9.434,50	19.390,00
8	390.565,50	1.402,78	1.367,22	2.770,00	389.198,28	11.358,28	10.801,72	22.160,00
9	389.198,28	1.397,87	1.372,13	2.770,00	387.826,15	12.756,15	12.173,85	24.930,00
10	387.826,15	1.392,94	1.377,06	2.770,00	386.449,09	14.149,09	13.550,91	27.700,00
11	386.449,09	1.388,00	1.382,00	2.770,00	385.067,09	15.537,09	14.932,91	30.470,00
12	385.067,09	1.383,03	1.386,97	2.770,00	383.680,12	16.920,12	16.319,88	33.240,00
13	383.680,12	1.378,05	1.391,95	2.770,00	382.288,17	18.298,17	17.711,83	36.010,00
14	382.288,17	1.373,05	1.396,95	2.770,00	380.891,22	19.671,22	19.108,78	38.780,00
15	380.891,22	1.368,03	1.401,97	2.770,00	379.489,26	21.039,26	20.510,74	41.550,00
16	379.489,26	1.363,00	1.407,00	2.770,00	378.082,25	22.402,25	21.917,75	44.320,00
17	378.082,25	1.357,95	1.412,05	2.770,00	376.670,20	23.760,20	23.329,80	47.090,00
18	376.670,20	1.352,87	1.417,13	2.770,00	375.253,07	25.113,07	24.746,93	49.860,00
19	375.253,07	1.347,78	1.422,22	2.770,00	373.830,86	26.460,86	26.169,14	52.630,00
20	373.830,86	1.342,68	1.427,32	2.770,00	372.403,53	27.803,53	27.596,47	55.400,00
21	372.403,53	1.337,55	1.432,45	2.770,00	370.971,08	29.141,08	29.028,92	58.170,00
22	370.971,08	1.332,40	1.437,60	2.770,00	369.533,49	30.473,49	30.466,51	60.940,00
23	369.533,49	1.327,24	1.442,76	2.770,00	368.090,73	31.800,73	31.909,27	63.710,00
24	368.090,73	1.322,06	1.447,94	2.770,00	366.642,79	33.122,79	33.357,21	66.480,00
25	366.642,79	1.316,86	1.453,14	2.770,00	365.189,65	34.439,65	34.810,35	69.250,00
26	365.189,65	1.311,64	1.458,36	2.770,00	363.731,29	35.751,29	36.268,71	72.020,00
27	363.731,29	1.306,40	1.463,60	2.770,00	362.267,69	37.057,69	37.732,31	74.790,00
28	362.267,69	1.301,14	1.468,86	2.770,00	360.798,83	38.358,83	39.201,17	77.560,00
29	360.798,83	1.295,87	1.474,13	2.770,00	359.324,70	39.654,70	40.675,30	80.330,00
30	359.324,70	1.290,57	1.479,43	2.770,00	357.845,28	40.945,28	42.154,72	83.100,00
31	357.845,28	1.285,26	1.484,74	2.770,00	356.360,54	42.230,54	43.639,46	85.870,00
32	356.360,54	1.279,93	1.490,07	2.770,00	354.870,47	43.510,47	45.129,53	88.640,00
33	354.870,47	1.274,58	1.495,42	2.770,00	353.375,04	44.785,04	46.624,96	91.410,00
34	353.375,04	1.269,21	1.500,79	2.770,00	351.874,25	46.054,25	48.125,75	94.180,00
35	351.874,25	1.263,82	1.506,18	2.770,00	350.368,06	47.318,06	49.631,94	96.950,00
36	350.368,06	1.258,41	1.511,59	2.770,00	348.856,47	48.576,47	51.143,53	99.720,00
37	348.856,47	1.252,98	1.517,02	2.770,00	347.339,44	49.829,44	52.660,56	102.490,00
38	347.339,44	1.247,53	1.522,47	2.770,00	345.816,97	51.076,97	54.183,03	105.260,00
39	345.816,97	1.242,06	1.527,94	2.770,00	344.289,03	52.319,03	55.710,97	108.030,00
40	344.289,03	1.236,57	1.533,43	2.770,00	342.755,60	53.555,60	57.244,40	110.800,00
41	342.755,60	1.231,06	1.538,94	2.770,00	341.216,67	54.786,67	58.783,33	113.570,00
42	341.216,67	1.225,54	1.544,46	2.770,00	339.672,20	56.012,20	60.327,80	116.340,00
43	339.672,20	1.219,99	1.550,01	2.770,00	338.122,19	57.232,19	61.877,81	119.110,00
44	338.122,19	1.214,42	1.555,58	2.770,00	336.566,61	58.446,61	63.433,39	121.880,00
45	336.566,61	1.208,84	1.561,16	2.770,00	335.005,45	59.655,45	64.994,55	124.650,00
46	335.005,45	1.203,23	1.566,77	2.770,00	333.438,68	60.858,68	66.561,32	127.420,00
47	333.438,68	1.197,60	1.572,40	2.770,00	331.866,28	62.056,28	68.133,72	130.190,00
48	331.866,28	1.191,95	1.578,05	2.770,00	330.288,23	63.248,23	69.711,77	132.960,00
49	330.288,23	1.186,29	1.583,71	2.770,00	328.704,52	64.434,52	71.295,48	135.730,00
50	328.704,52	1.180,60	1.589,40	2.770,00	327.115,11	65.615,11	72.884,89	138.500,00
51	327.115,11	1.174,89	1.595,11	2.770,00	325.520,00	66.790,00	74.480,00	141.270,00
52	325.520,00	1.169,16	1.600,84	2.770,00	323.919,16	67.959,16	76.080,84	144.040,00
53	323.919,16	1.163,41	1.606,59	2.770,00	322.312,57	69.122,57	77.687,43	146.810,00
54	322.312,57	1.157,64	1.612,36	2.770,00	320.700,21	70.280,21	79.299,79	149.580,00
55	320.700,21	1.151,85	1.618,15	2.770,00	319.082,06	71.432,06	80.917,94	152.350,00
56	319.082,06	1.146,04	1.623,96	2.770,00	317.458,09	72.578,09	82.541,91	155.120,00
57	317.458,09	1.140,20	1.629,80	2.770,00	315.828,30	73.718,30	84.171,70	157.890,00
58	315.828,30	1.134,35	1.635,65	2.770,00	314.192,65	74.852,65	85.807,35	160.660,00
59	314.192,65	1.128,48	1.641,52	2.770,00	312.551,12	75.981,12	87.448,88	163.430,00
60	312.551,12	1.122,58	1.647,42	2.770,00	310.903,70	77.103,70	89.096,30	166.200,00
61	310.903,70	1.116,66	1.653,34	2.770,00	309.250,36	78.220,36	90.749,64	168.970,00
62	309.250,36	1.110,72	1.659,28	2.770,00	307.591,09	79.331,09	92.408,91	171.740,00
63	307.591,09	1.104,76	1.665,24	2.770,00	305.925,85	80.435,85	94.074,15	174.510,00
64	305.925,85	1.098,78	1.671,22	2.770,00	304.254,64	81.534,64	95.745,36	177.280,00
65	304.254,64	1.092,78	1.677,22	2.770,00	302.577,42	82.627,42	97.422,58	180.050,00
66	302.577,42	1.086,76	1.683,24	2.770,00	300.894,18	83.714,18	99.105,82	182.820,00
67	300.894,18	1.080,71	1.689,29	2.770,00	299.204,89	84.794,89	100.795,11	185.590,00
68	299.204,89	1.074,64	1.695,36	2.770,00	297.509,53	85.869,53	102.490,47	188.360,00
69	297.509,53	1.068,56	1.701,44	2.770,00	295.808,09	86.938,09	104.191,91	191.130,00
70	295.808,09	1.062,44	1.707,56	2.770,00	294.100,53	88.000,53	105.899,47	193.900,00
71	294.100,53	1.056,31	1.713,69	2.770,00	292.386,84	89.056,84	107.613,16	196.670,00
72	292.386,84	1.050,16	1.719,84	2.770,00	290.667,00	90.107,00	109.333,00	199.440,00
73	290.667,00	1.043,98	1.726,02	2.770,00	288.940,98	91.150,98	111.059,02	202.210,00
74	288.940,98	1.037,78	1.732,22	2.770,00	287.208,76	92.188,76	112.791,24	204.980,00
75	287.208,76	1.031,56	1.738,44	2.770,00	285.470,31	93.220,31	114.529,69	207.750,00
76	285.470,31	1.025,31	1.744,69	2.770,00	283.725,63	94.245,63	116.274,37	210.520,00
77	283.725,63	1.019,05	1.750,95	2.770,00	281.974,68	95.264,68	118.025,32	213.290,00
78	281.974,68	1.012,76	1.757,24	2.770,00	280.217,44	96.277,44	119.782,56	216.060,00
79	280.217,44	1.006,45	1.763,55	2.770,00	278.453,88	97.283,88	121.546,12	218.830,00
80	278.453,88	1.000,11	1.769,89	2.770,00	276.684,00	98.284,00	123.316,00	221.600,00
81	276.684,00	993,76	1.776,24	2.770,00	274.907,75	99.277,75	125.092,25	224.370,00
82	274.907,75	987,38	1.782,62	2.770,00	273.125,13	100.265,13	126.874,87	227.140,00
83	273.125,13	980,97	1.789,03	2.770,00	271.336,10	101.246,10	128.663,90	229.910,00
84	271.336,10	974,55	1.795,45	2.770,00	269.540,65	102.220,65	130.459,35	232.680,00
85	269.540,65	968,10	1.801,90	2.770,00	267.738,75	103.188,75	132.261,25	235.450,00
86	267.738,75	961,63	1.808,37	2.770,00	265.930,38	104.150,38	134.069,62	238.220,00
87	265.930,38	955,13	1.814,87	2.770,00	264.115,52	105.105,52	135.884,48	240.990,00
88	264.115,52	948,61	1.821,39	2.770,00	262.294,13	106.054,13	137.705,87	243.760,00
89	262.294,13	942,07	1.827,93	2.770,00	260.466,20	106.996,20	139.533,80	246.530,00
90	260.466,20	935,51	1.834,49	2.770,00	258.631,71	107.931,71	141.368,29	249.300,00
91	258.631,71	928,92	1.841,08	2.770,00	256.790,63	108.860,63	143.209,37	252.070,00
92	256.790,63	922,31	1.847,69	2.770,00	254.942,94	109.782,94	145.057,06	254.840,00
93	254.942,94	915,67	1.854,33	2.770,00	253.088,61	110.698,61	146.911,39	257.610,00
94	253.088,61	909,01	1.860,99	2.770,00	251.227,62	111.607,62	148.772,38	260.380,00
95	251.227,62	902,33	1.867,67	2.770,00	249.359,94	112.509,94	150.640,06	263.150,00
96	249.359,94	895,62	1.874,38	2.770,00	247.485,56	113.405,56	152.514,44	265.920,00
97	247.485,56	888,89	1.881,11	2.770,00	245.604,45	114.294,45	154.395,55	268.690,00
98	245.604,45	882,13	1.887,87	2.770,00	243.716,57	115.176,57	156.283,43	271.460,00
99	243.716,57	875,35	1.894,65	2.770,00	241.821,92	116.051,92	158.178,08	274.230,00
100	241.821,92	868,54	1.901,46	2.770,00	239.920,47	116.920,47	160.079,53	277.000,00
101	239.920,47	861,71	1.908,29	2.770,00	238.012,18	117.782,18	161.987,82	279.770,00
102	238.012,18	854,86	1.915,14	2.770,00	236.097,04	118.637,04	163.902,96	282.540,00
103	236.097,04	847,98	1.922,02	2.770,00	234.175,02	119.485,02	165.824,98	285.310,00
104	234.175,02	841,08	1.928,92	2.770,00	232.246,10	120.326,10	167.753,90	288.080,00
105	232.246,10	834,15	1.935,85	2.770,00	230.310,25	121.160,25	169.689,75	290.850,00
106	230.310,25	827,20	1.942,80	2.770,00	228.367,45	121.987,45	171.632,55	293.620,00
107	228.367,45	820,22	1.949,78	2.770,00	226.417,67	122.807,67	173.582,33	296.390,00
108	226.417,67	813,22	1.956,78	2.770,00	224.460,89	123.620,89	175.539,11	299.160,00
109	224.460,89	806,19	1.963,81	2.770,00	222.497,08	124.427,08	177.502,92	301.930,00
110	222.497,08	799,14	1.970,86	2.770,00	220.526,21	125.226,21	179.473,79	304.700,00
111	220.526,21	792,06	1.977,94	2.770,00	218.548,27	126.018,27	181.451,73	307.470,00
112	218.548,27	784,95	1.985,05	2.770,00	216.563,22	126.803,22	183.436,78	310.240,00
113	216.563,22	777,82	1.992,18	2.770,00	214.571,04	127.581,04	185.428,96	313.010,00
114	214.571,04	770,67	1.999,33	2.770,00	212.571,71	128.351,71	187.428,29	315.780,00
115	212.571,71	763,49	2.006,51	2.770,00	210.565,20	129.115,20	189.434,80	318.550,00
116	210.565,20	756,28	2.013,72	2.770,00	208.551,48	129.871,48	191.448,52	321.320,00
117	208.551,48	749,05	2.020,95	2.770,00	206.530,53	130.620,53	193.469,47	324.090,00
118	206.530,53	741,79	2.028,21	2.770,00	204.502,31	131.362,31	195.497,69	326.860,00
119	204.502,31	734,50	2.035,50	2.770,00	202.466,82	132.096,82	197.533,18	329.630,00
120	202.466,82	727,19	2.042,81	2.770,00	200.424,01	132.824,01	199.575,99	332.400,00
121	200.424,01	719,86	2.050,14	2.770,00	198.373,87	133.543,87	201.626,13	335.170,00
122	198.373,87	712,49	2.057,51	2.770,00	196.316,36	134.256,36	203.683,64	337.940,00
123	196.316,36	705,10	2.064,90	2.770,00	194.251,46	134.961,46	205.748,54	340.710,00
124	194.251,46	697,69	2.072,31	2.770,00	192.179,15	135.659,15	207.820,85	343.480,00
125	192.179,15	690,24	2.079,76	2.770,00	190.099,39	136.349,39	209.900,61	346.250,00
126	190.099,39	682,77	2.087,23	2.770,00	188.012,17	137.032,17	211.987,83	349.020,00
127	188.012,17	675,28	2.094,72	2.770,00	185.917,44	137.707,44	214.082,56	351.790,00
128	185.917,44	667,75	2.102,25	2.770,00	183.815,20	138.375,20	216.184,80	354.560,00
129	183.815,20	660,20	2.109,80	2.770,00	181.705,40	139.035,40	218.294,60	357.330,00
130	181.705,40	652,63	2.117,37	2.770,00	179.588,03	139.688,03	220.411,97	360.100,00
131	179.588,03	645,02	2.124,98	2.770,00	177.463,05	140.333,05	222.536,95	362.870,00
132	177.463,05	637,39	2.132,61	2.770,00	175.330,43	140.970,43	224.669,57	365.640,00
133	175.330,43	629,73	2.140,27	2.770,00	173.190,16	141.600,16	226.809,84	368.410,00
134	173.190,16	622,04	2.147,96	2.770,00	171.042,20	142.222,20	228.957,80	371.180,00
135	171.042,20	614,33	2.155,67	2.770,00	168.886,53	142.836,53	231.113,47	373.950,00
136	168.886,53	606,58	2.163,42	2.770,00	166.723,11	143.443,11	233.276,89	376.720,00
137	166.723,11	598,81	2.171,19	2.770,00	164.551,93	144.041,93	235.448,07	379.490,00
138	164.551,93	591,02	2.178,98	2.770,00	162.372,94	144.632,94	237.627,06	382.260,00
139	162.372,94	583,19	2.186,81	2.770,00	160.186,13	145.216,13	239.813,87	385.030,00
140	160.186,13	575,34	2.194,66	2.770,00	157.991,47	145.791,47	242.008,53	387.800,00
141	157.991,47	567,45	2.202,55	2.770,00	155.788,92	146.358,92	244.211,08	390.570,00
142	155.788,92	559,54	2.210,46	2.770,00	153.578,46	146.918,46	246.421,54	393.340,00
143	153.578,46	551,60	2.218,40	2.770,00	151.360,07	147.470,07	248.639,93	396.110,00
144	151.360,07	543,63	2.226,37	2.770,00	149.133,70	148.013,70	250.866,30	398.880,00
145	149.133,70	535,64	2.234,36	2.770,00	146.899,34	148.549,34	253.100,66	401.650,00
146	146.899,34	527,61	2.242,39	2.770,00	144.656,95	149.076,95	255.343,05	404.420,00
147	144.656,95	519,56	2.250,44	2.770,00	142.406,51	149.596,51	257.593,49	407.190,00
148	142.406,51	511,48	2.258,52	2.770,00	140.147,99	150.107,99	259.852,01	409.960,00
149	140.147,99	503,36	2.266,64	2.770,00	137.881,35	150.611,35	262.118,65	412.730,00
150	137.881,35	495,22	2.274,78	2.770,00	135.606,58	151.106,58	264.393,42	415.500,00
151	135.606,58	487,05	2.282,95	2.770,00	133.323,63	151.593,63	266.676,37	418.270,00
152	133.323,63	478,85	2.291,15	2.770,00	131.032,49	152.072,49	268.967,51	421.040,00
153	131.032,49	470,63	2.299,37	2.770,00	128.733,11	152.543,11	271.266,89	423.810,00
154	128.733,11	462,37	2.307,63	2.770,00	126.425,48	153.005,48	273.574,52	426.580,00
155	126.425,48	454,08	2.315,92	2.770,00	124.109,56	153.459,56	275.890,44	429.350,00
156	124.109,56	445,76	2.324,24	2.770,00	121.785,32	153.905,32	278.214,68	432.120,00
157	121.785,32	437,41	2.332,59	2.770,00	119.452,73	154.342,73	280.547,27	434.890,00
158	119.452,73	429,03	2.340,97	2.770,00	117.111,76	154.771,76	282.888,24	437.660,00
159	117.111,76	420,63	2.349,37	2.770,00	114.762,39	155.192,39	285.237,61	440.430,00
160	114.762,39	412,19	2.357,81	2.770,00	112.404,58	155.604,58	287.595,42	443.200,00
161	112.404,58	403,72	2.366,28	2.770,00	110.038,30	156.008,30	289.961,70	445.970,00
162	110.038,30	395,22	2.374,78	2.770,00	107.663,52	156.403,52	292.336,48	448.740,00
163	107.663,52	386,69	2.383,31	2.770,00	105.280,21	156.790,21	294.719,79	451.510,00
164	105.280,21	378,13	2.391,87	2.770,00	102.888,34	157.168,34	297.111,66	454.280,00
165	102.888,34	369,54	2.400,46	2.770,00	100.487,88	157.537,88	299.512,12	457.050,00
166	100.487,88	360,92	2.409,08	2.770,00	98.078,80	157.898,80	301.921,20	459.820,00
167	98.078,80	352,27	2.417,73	2.770,00	95.661,07	158.251,07	304.338,93	462.590,00
168	95.661,07	343,58	2.426,42	2.770,00	93.234,65	158.594,65	306.765,35	465.360,00
169	93.234,65	334,87	2.435,13	2.770,00	90.799,52	158.929,52	309.200,48	468.130,00
170	90.799,52	326,12	2.443,88	2.770,00	88.355,64	159.255,64	311.644,36	470.900,00
171	88.355,64	317,34	2.452,66	2.770,00	85.902,98	159.572,98	314.097,02	473.670,00
172	85.902,98	308,53	2.461,47	2.770,00	83.441,52	159.881,52	316.558,48	476.440,00
173	83.441,52	299,69	2.470,31	2.770,00	80.971,21	160.181,21	319.028,79	479.210,00
174	80.971,21	290,82	2.479,18	2.770,00	78.492,03	160.472,03	321.507,97	481.980,00
175	78.492,03	281,92	2.488,08	2.770,00	76.003,95	160.753,95	323.996,05	484.750,00
176	76.003,95	272,98	2.497,02	2.770,00	73.506,93	161.026,93	326.493,07	487.520,00
177	73.506,93	264,01	2.505,99	2.770,00	71.000,94	161.290,94	328.999,06	490.290,00
178	71.000,94	255,01	2.514,99	2.770,00	68.485,96	161.545,96	331.514,04	493.060,00
179	68.485,96	245,98	2.524,02	2.770,00	65.961,93	161.791,93	334.038,07	495.830,00
180	65.961,93	236,91	2.533,09	2.770,00	63.428,85	162.028,85	336.571,15	498.600,00
181	63.428,85	227,82	2.542,18	2.770,00	60.886,66	162.256,66	339.113,34	501.370,00
182	60.886,66	218,68	2.551,32	2.770,00	58.335,35	162.475,35	341.664,65	504.140,00
183	58.335,35	209,52	2.560,48	2.770,00	55.774,87	162.684,87	344.225,13	506.910,00
184	55.774,87	200,32	2.569,68	2.770,00	53.205,19	162.885,19	346.794,81	509.680,00
185	53.205,19	191,10	2.578,90	2.770,00	50.626,29	163.076,29	349.373,71	512.450,00
186	50.626,29	181,83	2.588,17	2.770,00	48.038,12	163.258,12	351.961,88	515.220,00
187	48.038,12	172,54	2.597,46	2.770,00	45.440,66	163.430,66	354.559,34	517.990,00
188	45.440,66	163,21	2.606,79	2.770,00	42.833,87	163.593,87	357.166,13	520.760,00
189	42.833,87	153,84	2.616,16	2.770,00	40.217,71	163.747,71	359.782,29	523.530,00
190	40.217,71	144,45	2.625,55	2.770,00	37.592,16	163.892,16	362.407,84	526.300,00
191	37.592,16	135,02	2.634,98	2.770,00	34.957,18	164.027,18	365.042,82	529.070,00
192	34.957,18	125,55	2.644,45	2.770,00	32.312,73	164.152,73	367.687,27	531.840,00
193	32.312,73	116,06	2.653,94	2.770,00	29.658,79	164.268,79	370.341,21	534.610,00
194	29.658,79	106,52	2.663,48	2.770,00	26.995,31	164.375,31	373.004,69	537.380,00
195	26.995,31	96,96	2.673,04	2.770,00	24.322,27	164.472,27	375.677,73	540.150,00
196	24.322,27	87,36	2.682,64	2.770,00	21.639,63	164.559,63	378.360,37	542.920,00
197	21.639,63	77,72	2.692,28	2.770,00	18.947,35	164.637,35	381.052,65	545.690,00
198	18.947,35	68,05	2.701,95	2.770,00	16.245,40	164.705,40	383.754,60	548.460,00
199	16.245,40	58,35	2.711,65	2.770,00	13.533,75	164.763,75	386.466,25	551.230,00
200	13.533,75	48,61	2.721,39	2.770,00	10.812,36	164.812,36	389.187,64	554.000,00
201	10.812,36	38,83	2.731,17	2.770,00	8.081,20	164.851,20	391.918,80	556.770,00
202	8.081,20	29,02	2.740,98	2.770,00	5.340,22	164.880,22	394.659,78	559.540,00
203	5.340,22	19,18	2.750,82	2.770,00	2.589,40	164.899,40	397.410,60	562.310,00
204	2.589,40	9,30	2.589,40	2.589,40	2.589,40	164.908,70	400.000,00	564.908,70

Stand der Daten: 12.07.2026

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

Filter

Weitere Infos zur Berechnung

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Repräsentatives Beispiel nach §6a PAngV

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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

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