Vollfinanzierung – Hauskauf ohne Eigenkapital

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

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

Wichtige Informationen

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

Der Beleihungsauslauf

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

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

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

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

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

Kosten für Immobilien-Vollfinanzierung berechnen

Kaufpreis €

Eigenkapital €

Bundesland

Tilgungssatz

Sollzinsbindung

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

Baufinanzierung

3.60/5,00

140.242,15€
Zinsanteil

2.506,67€
Monatsrate

3,52%
Sollzins p.a.

3,60%
Effektivzins p.a.

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

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

Baufinanzierung

3.75/5,00

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

3.88/5,00

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: 1.337,50 €;Gesamtbetrag: 160.500,00 €;Anzahl Kreditraten: 120;Laufzeit: 288 Monate;Effektiver Jahreszins: 4,29 %;Gebundener Sollzins: 3,35 %;

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

3.86/5,00

149.506,37€
Zinsanteil

2.603,33€
Monatsrate

3,81%
Sollzins p.a.

3,90%
Effektivzins p.a.

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

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.270,00	1.333,33	2.603,33	398.666,67	1.270,00	1.333,33	2.603,33
2	398.666,67	1.265,77	1.337,57	2.603,33	397.329,10	2.535,77	2.670,90	5.206,67
3	397.329,10	1.261,52	1.341,81	2.603,33	395.987,29	3.797,29	4.012,71	7.810,00
4	395.987,29	1.257,26	1.346,07	2.603,33	394.641,21	5.054,55	5.358,79	10.413,33
5	394.641,21	1.252,99	1.350,35	2.603,33	393.290,87	6.307,53	6.709,13	13.016,67
6	393.290,87	1.248,70	1.354,63	2.603,33	391.936,23	7.556,23	8.063,77	15.620,00
7	391.936,23	1.244,40	1.358,94	2.603,33	390.577,29	8.800,63	9.422,71	18.223,33
8	390.577,29	1.240,08	1.363,25	2.603,33	389.214,04	10.040,71	10.785,96	20.826,67
9	389.214,04	1.235,75	1.367,58	2.603,33	387.846,47	11.276,47	12.153,53	23.430,00
10	387.846,47	1.231,41	1.371,92	2.603,33	386.474,54	12.507,88	13.525,46	26.033,33
11	386.474,54	1.227,06	1.376,28	2.603,33	385.098,27	13.734,93	14.901,73	28.636,67
12	385.098,27	1.222,69	1.380,65	2.603,33	383.717,62	14.957,62	16.282,38	31.240,00
13	383.717,62	1.218,30	1.385,03	2.603,33	382.332,59	16.175,93	17.667,41	33.843,33
14	382.332,59	1.213,91	1.389,43	2.603,33	380.943,16	17.389,83	19.056,84	36.446,67
15	380.943,16	1.209,49	1.393,84	2.603,33	379.549,33	18.599,33	20.450,67	39.050,00
16	379.549,33	1.205,07	1.398,26	2.603,33	378.151,06	19.804,39	21.848,94	41.653,33
17	378.151,06	1.200,63	1.402,70	2.603,33	376.748,36	21.005,02	23.251,64	44.256,67
18	376.748,36	1.196,18	1.407,16	2.603,33	375.341,20	22.201,20	24.658,80	46.860,00
19	375.341,20	1.191,71	1.411,63	2.603,33	373.929,58	23.392,91	26.070,42	49.463,33
20	373.929,58	1.187,23	1.416,11	2.603,33	372.513,47	24.580,14	27.486,53	52.066,67
21	372.513,47	1.182,73	1.420,60	2.603,33	371.092,87	25.762,87	28.907,13	54.670,00
22	371.092,87	1.178,22	1.425,11	2.603,33	369.667,75	26.941,09	30.332,25	57.273,33
23	369.667,75	1.173,70	1.429,64	2.603,33	368.238,11	28.114,78	31.761,89	59.876,67
24	368.238,11	1.169,16	1.434,18	2.603,33	366.803,94	29.283,94	33.196,06	62.480,00
25	366.803,94	1.164,60	1.438,73	2.603,33	365.365,21	30.448,54	34.634,79	65.083,33
26	365.365,21	1.160,03	1.443,30	2.603,33	363.921,91	31.608,57	36.078,09	67.686,67
27	363.921,91	1.155,45	1.447,88	2.603,33	362.474,03	32.764,03	37.525,97	70.290,00
28	362.474,03	1.150,86	1.452,48	2.603,33	361.021,55	33.914,88	38.978,45	72.893,33
29	361.021,55	1.146,24	1.457,09	2.603,33	359.564,46	35.061,12	40.435,54	75.496,67
30	359.564,46	1.141,62	1.461,72	2.603,33	358.102,74	36.202,74	41.897,26	78.100,00
31	358.102,74	1.136,98	1.466,36	2.603,33	356.636,38	37.339,72	43.363,62	80.703,33
32	356.636,38	1.132,32	1.471,01	2.603,33	355.165,37	38.472,04	44.834,63	83.306,67
33	355.165,37	1.127,65	1.475,68	2.603,33	353.689,69	39.599,69	46.310,31	85.910,00
34	353.689,69	1.122,96	1.480,37	2.603,33	352.209,32	40.722,65	47.790,68	88.513,33
35	352.209,32	1.118,26	1.485,07	2.603,33	350.724,25	41.840,92	49.275,75	91.116,67
36	350.724,25	1.113,55	1.489,78	2.603,33	349.234,47	42.954,47	50.765,53	93.720,00
37	349.234,47	1.108,82	1.494,51	2.603,33	347.739,95	44.063,29	52.260,05	96.323,33
38	347.739,95	1.104,07	1.499,26	2.603,33	346.240,69	45.167,36	53.759,31	98.926,67
39	346.240,69	1.099,31	1.504,02	2.603,33	344.736,67	46.266,67	55.263,33	101.530,00
40	344.736,67	1.094,54	1.508,79	2.603,33	343.227,88	47.361,21	56.772,12	104.133,33
41	343.227,88	1.089,75	1.513,58	2.603,33	341.714,30	48.450,96	58.285,70	106.736,67
42	341.714,30	1.084,94	1.518,39	2.603,33	340.195,91	49.535,91	59.804,09	109.340,00
43	340.195,91	1.080,12	1.523,21	2.603,33	338.672,69	50.616,03	61.327,31	111.943,33
44	338.672,69	1.075,29	1.528,05	2.603,33	337.144,65	51.691,31	62.855,35	114.546,67
45	337.144,65	1.070,43	1.532,90	2.603,33	335.611,75	52.761,75	64.388,25	117.150,00
46	335.611,75	1.065,57	1.537,77	2.603,33	334.073,98	53.827,31	65.926,02	119.753,33
47	334.073,98	1.060,68	1.542,65	2.603,33	332.531,33	54.888,00	67.468,67	122.356,67
48	332.531,33	1.055,79	1.547,55	2.603,33	330.983,79	55.943,79	69.016,21	124.960,00
49	330.983,79	1.050,87	1.552,46	2.603,33	329.431,33	56.994,66	70.568,67	127.563,33
50	329.431,33	1.045,94	1.557,39	2.603,33	327.873,94	58.040,60	72.126,06	130.166,67
51	327.873,94	1.041,00	1.562,33	2.603,33	326.311,60	59.081,60	73.688,40	132.770,00
52	326.311,60	1.036,04	1.567,29	2.603,33	324.744,31	60.117,64	75.255,69	135.373,33
53	324.744,31	1.031,06	1.572,27	2.603,33	323.172,04	61.148,71	76.827,96	137.976,67
54	323.172,04	1.026,07	1.577,26	2.603,33	321.594,78	62.174,78	78.405,22	140.580,00
55	321.594,78	1.021,06	1.582,27	2.603,33	320.012,51	63.195,84	79.987,49	143.183,33
56	320.012,51	1.016,04	1.587,29	2.603,33	318.425,21	64.211,88	81.574,79	145.786,67
57	318.425,21	1.011,00	1.592,33	2.603,33	316.832,88	65.222,88	83.167,12	148.390,00
58	316.832,88	1.005,94	1.597,39	2.603,33	315.235,49	66.228,83	84.764,51	150.993,33
59	315.235,49	1.000,87	1.602,46	2.603,33	313.633,03	67.229,70	86.366,97	153.596,67
60	313.633,03	995,78	1.607,55	2.603,33	312.025,48	68.225,48	87.974,52	156.200,00
61	312.025,48	990,68	1.612,65	2.603,33	310.412,83	69.216,16	89.587,17	158.803,33
62	310.412,83	985,56	1.617,77	2.603,33	308.795,06	70.201,72	91.204,94	161.406,67
63	308.795,06	980,42	1.622,91	2.603,33	307.172,15	71.182,15	92.827,85	164.010,00
64	307.172,15	975,27	1.628,06	2.603,33	305.544,09	72.157,42	94.455,91	166.613,33
65	305.544,09	970,10	1.633,23	2.603,33	303.910,86	73.127,52	96.089,14	169.216,67
66	303.910,86	964,92	1.638,42	2.603,33	302.272,44	74.092,44	97.727,56	171.820,00
67	302.272,44	959,71	1.643,62	2.603,33	300.628,82	75.052,15	99.371,18	174.423,33
68	300.628,82	954,50	1.648,84	2.603,33	298.979,98	76.006,65	101.020,02	177.026,67
69	298.979,98	949,26	1.654,07	2.603,33	297.325,91	76.955,91	102.674,09	179.630,00
70	297.325,91	944,01	1.659,32	2.603,33	295.666,59	77.899,92	104.333,41	182.233,33
71	295.666,59	938,74	1.664,59	2.603,33	294.002,00	78.838,66	105.998,00	184.836,67
72	294.002,00	933,46	1.669,88	2.603,33	292.332,12	79.772,12	107.667,88	187.440,00
73	292.332,12	928,15	1.675,18	2.603,33	290.656,94	80.700,27	109.343,06	190.043,33
74	290.656,94	922,84	1.680,50	2.603,33	288.976,44	81.623,11	111.023,56	192.646,67
75	288.976,44	917,50	1.685,83	2.603,33	287.290,61	82.540,61	112.709,39	195.250,00
76	287.290,61	912,15	1.691,19	2.603,33	285.599,43	83.452,76	114.400,57	197.853,33
77	285.599,43	906,78	1.696,56	2.603,33	283.902,87	84.359,54	116.097,13	200.456,67
78	283.902,87	901,39	1.701,94	2.603,33	282.200,93	85.260,93	117.799,07	203.060,00
79	282.200,93	895,99	1.707,35	2.603,33	280.493,58	86.156,92	119.506,42	205.663,33
80	280.493,58	890,57	1.712,77	2.603,33	278.780,82	87.047,48	121.219,18	208.266,67
81	278.780,82	885,13	1.718,20	2.603,33	277.062,61	87.932,61	122.937,39	210.870,00
82	277.062,61	879,67	1.723,66	2.603,33	275.338,95	88.812,29	124.661,05	213.473,33
83	275.338,95	874,20	1.729,13	2.603,33	273.609,82	89.686,49	126.390,18	216.076,67
84	273.609,82	868,71	1.734,62	2.603,33	271.875,20	90.555,20	128.124,80	218.680,00
85	271.875,20	863,20	1.740,13	2.603,33	270.135,07	91.418,40	129.864,93	221.283,33
86	270.135,07	857,68	1.745,65	2.603,33	268.389,41	92.276,08	131.610,59	223.886,67
87	268.389,41	852,14	1.751,20	2.603,33	266.638,22	93.128,22	133.361,78	226.490,00
88	266.638,22	846,58	1.756,76	2.603,33	264.881,46	93.974,79	135.118,54	229.093,33
89	264.881,46	841,00	1.762,33	2.603,33	263.119,13	94.815,79	136.880,87	231.696,67
90	263.119,13	835,40	1.767,93	2.603,33	261.351,20	95.651,20	138.648,80	234.300,00
91	261.351,20	829,79	1.773,54	2.603,33	259.577,65	96.480,99	140.422,35	236.903,33
92	259.577,65	824,16	1.779,17	2.603,33	257.798,48	97.305,14	142.201,52	239.506,67
93	257.798,48	818,51	1.784,82	2.603,33	256.013,66	98.123,66	143.986,34	242.110,00
94	256.013,66	812,84	1.790,49	2.603,33	254.223,17	98.936,50	145.776,83	244.713,33
95	254.223,17	807,16	1.796,17	2.603,33	252.426,99	99.743,66	147.573,01	247.316,67
96	252.426,99	801,46	1.801,88	2.603,33	250.625,11	100.545,11	149.374,89	249.920,00
97	250.625,11	795,73	1.807,60	2.603,33	248.817,51	101.340,85	151.182,49	252.523,33
98	248.817,51	790,00	1.813,34	2.603,33	247.004,18	102.130,84	152.995,82	255.126,67
99	247.004,18	784,24	1.819,10	2.603,33	245.185,08	102.915,08	154.814,92	257.730,00
100	245.185,08	778,46	1.824,87	2.603,33	243.360,21	103.693,54	156.639,79	260.333,33
101	243.360,21	772,67	1.830,66	2.603,33	241.529,55	104.466,21	158.470,45	262.936,67
102	241.529,55	766,86	1.836,48	2.603,33	239.693,07	105.233,07	160.306,93	265.540,00
103	239.693,07	761,03	1.842,31	2.603,33	237.850,76	105.994,09	162.149,24	268.143,33
104	237.850,76	755,18	1.848,16	2.603,33	236.002,60	106.749,27	163.997,40	270.746,67
105	236.002,60	749,31	1.854,03	2.603,33	234.148,58	107.498,58	165.851,42	273.350,00
106	234.148,58	743,42	1.859,91	2.603,33	232.288,67	108.242,00	167.711,33	275.953,33
107	232.288,67	737,52	1.865,82	2.603,33	230.422,85	108.979,52	169.577,15	278.556,67
108	230.422,85	731,59	1.871,74	2.603,33	228.551,11	109.711,11	171.448,89	281.160,00
109	228.551,11	725,65	1.877,68	2.603,33	226.673,43	110.436,76	173.326,57	283.763,33
110	226.673,43	719,69	1.883,65	2.603,33	224.789,78	111.156,45	175.210,22	286.366,67
111	224.789,78	713,71	1.889,63	2.603,33	222.900,16	111.870,16	177.099,84	288.970,00
112	222.900,16	707,71	1.895,63	2.603,33	221.004,53	112.577,86	178.995,47	291.573,33
113	221.004,53	701,69	1.901,64	2.603,33	219.102,89	113.279,55	180.897,11	294.176,67
114	219.102,89	695,65	1.907,68	2.603,33	217.195,20	113.975,20	182.804,80	296.780,00
115	217.195,20	689,59	1.913,74	2.603,33	215.281,47	114.664,80	184.718,53	299.383,33
116	215.281,47	683,52	1.919,81	2.603,33	213.361,65	115.348,32	186.638,35	301.986,67
117	213.361,65	677,42	1.925,91	2.603,33	211.435,74	116.025,74	188.564,26	304.590,00
118	211.435,74	671,31	1.932,02	2.603,33	209.503,72	116.697,05	190.496,28	307.193,33
119	209.503,72	665,17	1.938,16	2.603,33	207.565,56	117.362,22	192.434,44	309.796,67
120	207.565,56	659,02	1.944,31	2.603,33	205.621,24	118.021,24	194.378,76	312.400,00
121	205.621,24	652,85	1.950,49	2.603,33	203.670,76	118.674,09	196.329,24	315.003,33
122	203.670,76	646,65	1.956,68	2.603,33	201.714,08	119.320,75	198.285,92	317.606,67
123	201.714,08	640,44	1.962,89	2.603,33	199.751,19	119.961,19	200.248,81	320.210,00
124	199.751,19	634,21	1.969,12	2.603,33	197.782,07	120.595,40	202.217,93	322.813,33
125	197.782,07	627,96	1.975,38	2.603,33	195.806,69	121.223,36	204.193,31	325.416,67
126	195.806,69	621,69	1.981,65	2.603,33	193.825,04	121.845,04	206.174,96	328.020,00
127	193.825,04	615,39	1.987,94	2.603,33	191.837,10	122.460,44	208.162,90	330.623,33
128	191.837,10	609,08	1.994,25	2.603,33	189.842,85	123.069,52	210.157,15	333.226,67
129	189.842,85	602,75	2.000,58	2.603,33	187.842,27	123.672,27	212.157,73	335.830,00
130	187.842,27	596,40	2.006,93	2.603,33	185.835,34	124.268,67	214.164,66	338.433,33
131	185.835,34	590,03	2.013,31	2.603,33	183.822,03	124.858,70	216.177,97	341.036,67
132	183.822,03	583,63	2.019,70	2.603,33	181.802,33	125.442,33	218.197,67	343.640,00
133	181.802,33	577,22	2.026,11	2.603,33	179.776,22	126.019,56	220.223,78	346.243,33
134	179.776,22	570,79	2.032,54	2.603,33	177.743,68	126.590,34	222.256,32	348.846,67
135	177.743,68	564,34	2.039,00	2.603,33	175.704,68	127.154,68	224.295,32	351.450,00
136	175.704,68	557,86	2.045,47	2.603,33	173.659,21	127.712,54	226.340,79	354.053,33
137	173.659,21	551,37	2.051,97	2.603,33	171.607,24	128.263,91	228.392,76	356.656,67
138	171.607,24	544,85	2.058,48	2.603,33	169.548,76	128.808,76	230.451,24	359.260,00
139	169.548,76	538,32	2.065,02	2.603,33	167.483,75	129.347,08	232.516,25	361.863,33
140	167.483,75	531,76	2.071,57	2.603,33	165.412,18	129.878,84	234.587,82	364.466,67
141	165.412,18	525,18	2.078,15	2.603,33	163.334,03	130.404,03	236.665,97	367.070,00
142	163.334,03	518,59	2.084,75	2.603,33	161.249,28	130.922,61	238.750,72	369.673,33
143	161.249,28	511,97	2.091,37	2.603,33	159.157,91	131.434,58	240.842,09	372.276,67
144	159.157,91	505,33	2.098,01	2.603,33	157.059,90	131.939,90	242.940,10	374.880,00
145	157.059,90	498,67	2.104,67	2.603,33	154.955,24	132.438,57	245.044,76	377.483,33
146	154.955,24	491,98	2.111,35	2.603,33	152.843,89	132.930,55	247.156,11	380.086,67
147	152.843,89	485,28	2.118,05	2.603,33	150.725,83	133.415,83	249.274,17	382.690,00
148	150.725,83	478,55	2.124,78	2.603,33	148.601,05	133.894,39	251.398,95	385.293,33
149	148.601,05	471,81	2.131,52	2.603,33	146.469,53	134.366,19	253.530,47	387.896,67
150	146.469,53	465,04	2.138,29	2.603,33	144.331,24	134.831,24	255.668,76	390.500,00
151	144.331,24	458,25	2.145,08	2.603,33	142.186,15	135.289,49	257.813,85	393.103,33
152	142.186,15	451,44	2.151,89	2.603,33	140.034,26	135.740,93	259.965,74	395.706,67
153	140.034,26	444,61	2.158,72	2.603,33	137.875,54	136.185,54	262.124,46	398.310,00
154	137.875,54	437,75	2.165,58	2.603,33	135.709,96	136.623,29	264.290,04	400.913,33
155	135.709,96	430,88	2.172,45	2.603,33	133.537,50	137.054,17	266.462,50	403.516,67
156	133.537,50	423,98	2.179,35	2.603,33	131.358,15	137.478,15	268.641,85	406.120,00
157	131.358,15	417,06	2.186,27	2.603,33	129.171,88	137.895,21	270.828,12	408.723,33
158	129.171,88	410,12	2.193,21	2.603,33	126.978,67	138.305,34	273.021,33	411.326,67
159	126.978,67	403,16	2.200,18	2.603,33	124.778,49	138.708,49	275.221,51	413.930,00
160	124.778,49	396,17	2.207,16	2.603,33	122.571,33	139.104,66	277.428,67	416.533,33
161	122.571,33	389,16	2.214,17	2.603,33	120.357,16	139.493,83	279.642,84	419.136,67
162	120.357,16	382,13	2.221,20	2.603,33	118.135,96	139.875,96	281.864,04	421.740,00
163	118.135,96	375,08	2.228,25	2.603,33	115.907,71	140.251,04	284.092,29	424.343,33
164	115.907,71	368,01	2.235,33	2.603,33	113.672,38	140.619,05	286.327,62	426.946,67
165	113.672,38	360,91	2.242,42	2.603,33	111.429,96	140.979,96	288.570,04	429.550,00
166	111.429,96	353,79	2.249,54	2.603,33	109.180,42	141.333,75	290.819,58	432.153,33
167	109.180,42	346,65	2.256,69	2.603,33	106.923,73	141.680,40	293.076,27	434.756,67
168	106.923,73	339,48	2.263,85	2.603,33	104.659,88	142.019,88	295.340,12	437.360,00
169	104.659,88	332,30	2.271,04	2.603,33	102.388,84	142.352,18	297.611,16	439.963,33
170	102.388,84	325,08	2.278,25	2.603,33	100.110,59	142.677,26	299.889,41	442.566,67
171	100.110,59	317,85	2.285,48	2.603,33	97.825,11	142.995,11	302.174,89	445.170,00
172	97.825,11	310,59	2.292,74	2.603,33	95.532,37	143.305,71	304.467,63	447.773,33
173	95.532,37	303,32	2.300,02	2.603,33	93.232,36	143.609,02	306.767,64	450.376,67
174	93.232,36	296,01	2.307,32	2.603,33	90.925,04	143.905,04	309.074,96	452.980,00
175	90.925,04	288,69	2.314,65	2.603,33	88.610,39	144.193,72	311.389,61	455.583,33
176	88.610,39	281,34	2.322,00	2.603,33	86.288,39	144.475,06	313.711,61	458.186,67
177	86.288,39	273,97	2.329,37	2.603,33	83.959,03	144.749,03	316.040,97	460.790,00
178	83.959,03	266,57	2.336,76	2.603,33	81.622,26	145.015,60	318.377,74	463.393,33
179	81.622,26	259,15	2.344,18	2.603,33	79.278,08	145.274,75	320.721,92	465.996,67
180	79.278,08	251,71	2.351,63	2.603,33	76.926,45	145.526,45	323.073,55	468.600,00
181	76.926,45	244,24	2.359,09	2.603,33	74.567,36	145.770,70	325.432,64	471.203,33
182	74.567,36	236,75	2.366,58	2.603,33	72.200,78	146.007,45	327.799,22	473.806,67
183	72.200,78	229,24	2.374,10	2.603,33	69.826,68	146.236,68	330.173,32	476.410,00
184	69.826,68	221,70	2.381,63	2.603,33	67.445,05	146.458,38	332.554,95	479.013,33
185	67.445,05	214,14	2.389,20	2.603,33	65.055,86	146.672,52	334.944,14	481.616,67
186	65.055,86	206,55	2.396,78	2.603,33	62.659,07	146.879,07	337.340,93	484.220,00
187	62.659,07	198,94	2.404,39	2.603,33	60.254,68	147.078,02	339.745,32	486.823,33
188	60.254,68	191,31	2.412,02	2.603,33	57.842,66	147.269,33	342.157,34	489.426,67
189	57.842,66	183,65	2.419,68	2.603,33	55.422,98	147.452,98	344.577,02	492.030,00
190	55.422,98	175,97	2.427,37	2.603,33	52.995,61	147.628,94	347.004,39	494.633,33
191	52.995,61	168,26	2.435,07	2.603,33	50.560,54	147.797,21	349.439,46	497.236,67
192	50.560,54	160,53	2.442,80	2.603,33	48.117,73	147.957,73	351.882,27	499.840,00
193	48.117,73	152,77	2.450,56	2.603,33	45.667,18	148.110,51	354.332,82	502.443,33
194	45.667,18	144,99	2.458,34	2.603,33	43.208,84	148.255,50	356.791,16	505.046,67
195	43.208,84	137,19	2.466,15	2.603,33	40.742,69	148.392,69	359.257,31	507.650,00
196	40.742,69	129,36	2.473,98	2.603,33	38.268,71	148.522,05	361.731,29	510.253,33
197	38.268,71	121,50	2.481,83	2.603,33	35.786,88	148.643,55	364.213,12	512.856,67
198	35.786,88	113,62	2.489,71	2.603,33	33.297,17	148.757,17	366.702,83	515.460,00
199	33.297,17	105,72	2.497,61	2.603,33	30.799,56	148.862,89	369.200,44	518.063,33
200	30.799,56	97,79	2.505,54	2.603,33	28.294,02	148.960,68	371.705,98	520.666,67
201	28.294,02	89,83	2.513,50	2.603,33	25.780,52	149.050,52	374.219,48	523.270,00
202	25.780,52	81,85	2.521,48	2.603,33	23.259,04	149.132,37	376.740,96	525.873,33
203	23.259,04	73,85	2.529,49	2.603,33	20.729,55	149.206,22	379.270,45	528.476,67
204	20.729,55	65,82	2.537,52	2.603,33	18.192,03	149.272,03	381.807,97	531.080,00
205	18.192,03	57,76	2.545,57	2.603,33	15.646,46	149.329,79	384.353,54	533.683,33
206	15.646,46	49,68	2.553,66	2.603,33	13.092,80	149.379,47	386.907,20	536.286,67
207	13.092,80	41,57	2.561,76	2.603,33	10.531,04	149.421,04	389.468,96	538.890,00
208	10.531,04	33,44	2.569,90	2.603,33	7.961,14	149.454,48	392.038,86	541.493,33
209	7.961,14	25,28	2.578,06	2.603,33	5.383,09	149.479,75	394.616,91	544.096,67
210	5.383,09	17,09	2.586,24	2.603,33	2.796,84	149.496,84	397.203,16	546.700,00
211	2.796,84	8,88	2.594,45	2.603,33	202,39	149.505,72	399.797,61	549.303,33
212	202,39	0,64	202,39	202,39	202,39	149.506,37	400.000,00	549.506,37

Baufinanzierung

4.11/5,00

150.136,47€
Zinsanteil

2.610,00€
Monatsrate

3,83%
Sollzins p.a.

3,90%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 1.470,00 €;Gesamtbetrag: 176.400,00 €;Anzahl Kreditraten: 120;Laufzeit: 335 Monate;Effektiver Jahreszins: 3,98 %;Gebundener Sollzins: 3,88 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.276,67	1.333,33	2.610,00	398.666,67	1.276,67	1.333,33	2.610,00
2	398.666,67	1.272,41	1.337,59	2.610,00	397.329,08	2.549,08	2.670,92	5.220,00
3	397.329,08	1.268,14	1.341,86	2.610,00	395.987,22	3.817,22	4.012,78	7.830,00
4	395.987,22	1.263,86	1.346,14	2.610,00	394.641,08	5.081,08	5.358,92	10.440,00
5	394.641,08	1.259,56	1.350,44	2.610,00	393.290,64	6.340,64	6.709,36	13.050,00
6	393.290,64	1.255,25	1.354,75	2.610,00	391.935,89	7.595,89	8.064,11	15.660,00
7	391.935,89	1.250,93	1.359,07	2.610,00	390.576,82	8.846,82	9.423,18	18.270,00
8	390.576,82	1.246,59	1.363,41	2.610,00	389.213,41	10.093,41	10.786,59	20.880,00
9	389.213,41	1.242,24	1.367,76	2.610,00	387.845,65	11.335,65	12.154,35	23.490,00
10	387.845,65	1.237,87	1.372,13	2.610,00	386.473,53	12.573,53	13.526,47	26.100,00
11	386.473,53	1.233,49	1.376,51	2.610,00	385.097,02	13.807,02	14.902,98	28.710,00
12	385.097,02	1.229,10	1.380,90	2.610,00	383.716,12	15.036,12	16.283,88	31.320,00
13	383.716,12	1.224,69	1.385,31	2.610,00	382.330,82	16.260,82	17.669,18	33.930,00
14	382.330,82	1.220,27	1.389,73	2.610,00	380.941,09	17.481,09	19.058,91	36.540,00
15	380.941,09	1.215,84	1.394,16	2.610,00	379.546,93	18.696,93	20.453,07	39.150,00
16	379.546,93	1.211,39	1.398,61	2.610,00	378.148,31	19.908,31	21.851,69	41.760,00
17	378.148,31	1.206,92	1.403,08	2.610,00	376.745,24	21.115,24	23.254,76	44.370,00
18	376.745,24	1.202,45	1.407,55	2.610,00	375.337,68	22.317,68	24.662,32	46.980,00
19	375.337,68	1.197,95	1.412,05	2.610,00	373.925,64	23.515,64	26.074,36	49.590,00
20	373.925,64	1.193,45	1.416,55	2.610,00	372.509,08	24.709,08	27.490,92	52.200,00
21	372.509,08	1.188,92	1.421,08	2.610,00	371.088,01	25.898,01	28.911,99	54.810,00
22	371.088,01	1.184,39	1.425,61	2.610,00	369.662,40	27.082,40	30.337,60	57.420,00
23	369.662,40	1.179,84	1.430,16	2.610,00	368.232,23	28.262,23	31.767,77	60.030,00
24	368.232,23	1.175,27	1.434,73	2.610,00	366.797,51	29.437,51	33.202,49	62.640,00
25	366.797,51	1.170,70	1.439,30	2.610,00	365.358,20	30.608,20	34.641,80	65.250,00
26	365.358,20	1.166,10	1.443,90	2.610,00	363.914,31	31.774,31	36.085,69	67.860,00
27	363.914,31	1.161,49	1.448,51	2.610,00	362.465,80	32.935,80	37.534,20	70.470,00
28	362.465,80	1.156,87	1.453,13	2.610,00	361.012,67	34.092,67	38.987,33	73.080,00
29	361.012,67	1.152,23	1.457,77	2.610,00	359.554,90	35.244,90	40.445,10	75.690,00
30	359.554,90	1.147,58	1.462,42	2.610,00	358.092,48	36.392,48	41.907,52	78.300,00
31	358.092,48	1.142,91	1.467,09	2.610,00	356.625,39	37.535,39	43.374,61	80.910,00
32	356.625,39	1.138,23	1.471,77	2.610,00	355.153,62	38.673,62	44.846,38	83.520,00
33	355.153,62	1.133,53	1.476,47	2.610,00	353.677,15	39.807,15	46.322,85	86.130,00
34	353.677,15	1.128,82	1.481,18	2.610,00	352.195,97	40.935,97	47.804,03	88.740,00
35	352.195,97	1.124,09	1.485,91	2.610,00	350.710,07	42.060,07	49.289,93	91.350,00
36	350.710,07	1.119,35	1.490,65	2.610,00	349.219,42	43.179,42	50.780,58	93.960,00
37	349.219,42	1.114,59	1.495,41	2.610,00	347.724,01	44.294,01	52.275,99	96.570,00
38	347.724,01	1.109,82	1.500,18	2.610,00	346.223,83	45.403,83	53.776,17	99.180,00
39	346.223,83	1.105,03	1.504,97	2.610,00	344.718,86	46.508,86	55.281,14	101.790,00
40	344.718,86	1.100,23	1.509,77	2.610,00	343.209,09	47.609,09	56.790,91	104.400,00
41	343.209,09	1.095,41	1.514,59	2.610,00	341.694,49	48.704,49	58.305,51	107.010,00
42	341.694,49	1.090,57	1.519,43	2.610,00	340.175,07	49.795,07	59.824,93	109.620,00
43	340.175,07	1.085,73	1.524,27	2.610,00	338.650,79	50.880,79	61.349,21	112.230,00
44	338.650,79	1.080,86	1.529,14	2.610,00	337.121,66	51.961,66	62.878,34	114.840,00
45	337.121,66	1.075,98	1.534,02	2.610,00	335.587,64	53.037,64	64.412,36	117.450,00
46	335.587,64	1.071,08	1.538,92	2.610,00	334.048,72	54.108,72	65.951,28	120.060,00
47	334.048,72	1.066,17	1.543,83	2.610,00	332.504,89	55.174,89	67.495,11	122.670,00
48	332.504,89	1.061,24	1.548,76	2.610,00	330.956,14	56.236,14	69.043,86	125.280,00
49	330.956,14	1.056,30	1.553,70	2.610,00	329.402,44	57.292,44	70.597,56	127.890,00
50	329.402,44	1.051,34	1.558,66	2.610,00	327.843,78	58.343,78	72.156,22	130.500,00
51	327.843,78	1.046,37	1.563,63	2.610,00	326.280,15	59.390,15	73.719,85	133.110,00
52	326.280,15	1.041,38	1.568,62	2.610,00	324.711,53	60.431,53	75.288,47	135.720,00
53	324.711,53	1.036,37	1.573,63	2.610,00	323.137,90	61.467,90	76.862,10	138.330,00
54	323.137,90	1.031,35	1.578,65	2.610,00	321.559,25	62.499,25	78.440,75	140.940,00
55	321.559,25	1.026,31	1.583,69	2.610,00	319.975,56	63.525,56	80.024,44	143.550,00
56	319.975,56	1.021,26	1.588,74	2.610,00	318.386,81	64.546,81	81.613,19	146.160,00
57	318.386,81	1.016,18	1.593,82	2.610,00	316.793,00	65.563,00	83.207,00	148.770,00
58	316.793,00	1.011,10	1.598,90	2.610,00	315.194,09	66.574,09	84.805,91	151.380,00
59	315.194,09	1.005,99	1.604,01	2.610,00	313.590,09	67.580,09	86.409,91	153.990,00
60	313.590,09	1.000,88	1.609,12	2.610,00	311.980,96	68.580,96	88.019,04	156.600,00
61	311.980,96	995,74	1.614,26	2.610,00	310.366,70	69.576,70	89.633,30	159.210,00
62	310.366,70	990,59	1.619,41	2.610,00	308.747,29	70.567,29	91.252,71	161.820,00
63	308.747,29	985,42	1.624,58	2.610,00	307.122,71	71.552,71	92.877,29	164.430,00
64	307.122,71	980,23	1.629,77	2.610,00	305.492,94	72.532,94	94.507,06	167.040,00
65	305.492,94	975,03	1.634,97	2.610,00	303.857,97	73.507,97	96.142,03	169.650,00
66	303.857,97	969,81	1.640,19	2.610,00	302.217,79	74.477,79	97.782,21	172.260,00
67	302.217,79	964,58	1.645,42	2.610,00	300.572,36	75.442,36	99.427,64	174.870,00
68	300.572,36	959,33	1.650,67	2.610,00	298.921,69	76.401,69	101.078,31	177.480,00
69	298.921,69	954,06	1.655,94	2.610,00	297.265,75	77.355,75	102.734,25	180.090,00
70	297.265,75	948,77	1.661,23	2.610,00	295.604,52	78.304,52	104.395,48	182.700,00
71	295.604,52	943,47	1.666,53	2.610,00	293.937,99	79.247,99	106.062,01	185.310,00
72	293.937,99	938,15	1.671,85	2.610,00	292.266,15	80.186,15	107.733,85	187.920,00
73	292.266,15	932,82	1.677,18	2.610,00	290.588,96	81.118,96	109.411,04	190.530,00
74	290.588,96	927,46	1.682,54	2.610,00	288.906,42	82.046,42	111.093,58	193.140,00
75	288.906,42	922,09	1.687,91	2.610,00	287.218,52	82.968,52	112.781,48	195.750,00
76	287.218,52	916,71	1.693,29	2.610,00	285.525,22	83.885,22	114.474,78	198.360,00
77	285.525,22	911,30	1.698,70	2.610,00	283.826,52	84.796,52	116.173,48	200.970,00
78	283.826,52	905,88	1.704,12	2.610,00	282.122,40	85.702,40	117.877,60	203.580,00
79	282.122,40	900,44	1.709,56	2.610,00	280.412,85	86.602,85	119.587,15	206.190,00
80	280.412,85	894,98	1.715,02	2.610,00	278.697,83	87.497,83	121.302,17	208.800,00
81	278.697,83	889,51	1.720,49	2.610,00	276.977,34	88.387,34	123.022,66	211.410,00
82	276.977,34	884,02	1.725,98	2.610,00	275.251,36	89.271,36	124.748,64	214.020,00
83	275.251,36	878,51	1.731,49	2.610,00	273.519,87	90.149,87	126.480,13	216.630,00
84	273.519,87	872,98	1.737,02	2.610,00	271.782,85	91.022,85	128.217,15	219.240,00
85	271.782,85	867,44	1.742,56	2.610,00	270.040,29	91.890,29	129.959,71	221.850,00
86	270.040,29	861,88	1.748,12	2.610,00	268.292,17	92.752,17	131.707,83	224.460,00
87	268.292,17	856,30	1.753,70	2.610,00	266.538,47	93.608,47	133.461,53	227.070,00
88	266.538,47	850,70	1.759,30	2.610,00	264.779,17	94.459,17	135.220,83	229.680,00
89	264.779,17	845,09	1.764,91	2.610,00	263.014,26	95.304,26	136.985,74	232.290,00
90	263.014,26	839,45	1.770,55	2.610,00	261.243,71	96.143,71	138.756,29	234.900,00
91	261.243,71	833,80	1.776,20	2.610,00	259.467,52	96.977,52	140.532,48	237.510,00
92	259.467,52	828,13	1.781,87	2.610,00	257.685,65	97.805,65	142.314,35	240.120,00
93	257.685,65	822,45	1.787,55	2.610,00	255.898,10	98.628,10	144.101,90	242.730,00
94	255.898,10	816,74	1.793,26	2.610,00	254.104,84	99.444,84	145.895,16	245.340,00
95	254.104,84	811,02	1.798,98	2.610,00	252.305,86	100.255,86	147.694,14	247.950,00
96	252.305,86	805,28	1.804,72	2.610,00	250.501,13	101.061,13	149.498,87	250.560,00
97	250.501,13	799,52	1.810,48	2.610,00	248.690,65	101.860,65	151.309,35	253.170,00
98	248.690,65	793,74	1.816,26	2.610,00	246.874,39	102.654,39	153.125,61	255.780,00
99	246.874,39	787,94	1.822,06	2.610,00	245.052,33	103.442,33	154.947,67	258.390,00
100	245.052,33	782,13	1.827,87	2.610,00	243.224,45	104.224,45	156.775,55	261.000,00
101	243.224,45	776,29	1.833,71	2.610,00	241.390,75	105.000,75	158.609,25	263.610,00
102	241.390,75	770,44	1.839,56	2.610,00	239.551,18	105.771,18	160.448,82	266.220,00
103	239.551,18	764,57	1.845,43	2.610,00	237.705,75	106.535,75	162.294,25	268.830,00
104	237.705,75	758,68	1.851,32	2.610,00	235.854,43	107.294,43	164.145,57	271.440,00
105	235.854,43	752,77	1.857,23	2.610,00	233.997,20	108.047,20	166.002,80	274.050,00
106	233.997,20	746,84	1.863,16	2.610,00	232.134,04	108.794,04	167.865,96	276.660,00
107	232.134,04	740,89	1.869,11	2.610,00	230.264,93	109.534,93	169.735,07	279.270,00
108	230.264,93	734,93	1.875,07	2.610,00	228.389,86	110.269,86	171.610,14	281.880,00
109	228.389,86	728,94	1.881,06	2.610,00	226.508,81	110.998,81	173.491,19	284.490,00
110	226.508,81	722,94	1.887,06	2.610,00	224.621,75	111.721,75	175.378,25	287.100,00
111	224.621,75	716,92	1.893,08	2.610,00	222.728,66	112.438,66	177.271,34	289.710,00
112	222.728,66	710,88	1.899,12	2.610,00	220.829,54	113.149,54	179.170,46	292.320,00
113	220.829,54	704,81	1.905,19	2.610,00	218.924,35	113.854,35	181.075,65	294.930,00
114	218.924,35	698,73	1.911,27	2.610,00	217.013,09	114.553,09	182.986,91	297.540,00
115	217.013,09	692,63	1.917,37	2.610,00	215.095,72	115.245,72	184.904,28	300.150,00
116	215.095,72	686,51	1.923,49	2.610,00	213.172,24	115.932,24	186.827,76	302.760,00
117	213.172,24	680,37	1.929,63	2.610,00	211.242,61	116.612,61	188.757,39	305.370,00
118	211.242,61	674,22	1.935,78	2.610,00	209.306,83	117.286,83	190.693,17	307.980,00
119	209.306,83	668,04	1.941,96	2.610,00	207.364,86	117.954,86	192.635,14	310.590,00
120	207.364,86	661,84	1.948,16	2.610,00	205.416,70	118.616,70	194.583,30	313.200,00
121	205.416,70	655,62	1.954,38	2.610,00	203.462,33	119.272,33	196.537,67	315.810,00
122	203.462,33	649,38	1.960,62	2.610,00	201.501,71	119.921,71	198.498,29	318.420,00
123	201.501,71	643,13	1.966,87	2.610,00	199.534,84	120.564,84	200.465,16	321.030,00
124	199.534,84	636,85	1.973,15	2.610,00	197.561,68	121.201,68	202.438,32	323.640,00
125	197.561,68	630,55	1.979,45	2.610,00	195.582,24	121.832,24	204.417,76	326.250,00
126	195.582,24	624,23	1.985,77	2.610,00	193.596,47	122.456,47	206.403,53	328.860,00
127	193.596,47	617,90	1.992,10	2.610,00	191.604,36	123.074,36	208.395,64	331.470,00
128	191.604,36	611,54	1.998,46	2.610,00	189.605,90	123.685,90	210.394,10	334.080,00
129	189.605,90	605,16	2.004,84	2.610,00	187.601,06	124.291,06	212.398,94	336.690,00
130	187.601,06	598,76	2.011,24	2.610,00	185.589,82	124.889,82	214.410,18	339.300,00
131	185.589,82	592,34	2.017,66	2.610,00	183.572,16	125.482,16	216.427,84	341.910,00
132	183.572,16	585,90	2.024,10	2.610,00	181.548,06	126.068,06	218.451,94	344.520,00
133	181.548,06	579,44	2.030,56	2.610,00	179.517,50	126.647,50	220.482,50	347.130,00
134	179.517,50	572,96	2.037,04	2.610,00	177.480,46	127.220,46	222.519,54	349.740,00
135	177.480,46	566,46	2.043,54	2.610,00	175.436,92	127.786,92	224.563,08	352.350,00
136	175.436,92	559,94	2.050,06	2.610,00	173.386,86	128.346,86	226.613,14	354.960,00
137	173.386,86	553,39	2.056,61	2.610,00	171.330,25	128.900,25	228.669,75	357.570,00
138	171.330,25	546,83	2.063,17	2.610,00	169.267,08	129.447,08	230.732,92	360.180,00
139	169.267,08	540,24	2.069,76	2.610,00	167.197,32	129.987,32	232.802,68	362.790,00
140	167.197,32	533,64	2.076,36	2.610,00	165.120,96	130.520,96	234.879,04	365.400,00
141	165.120,96	527,01	2.082,99	2.610,00	163.037,97	131.047,97	236.962,03	368.010,00
142	163.037,97	520,36	2.089,64	2.610,00	160.948,34	131.568,34	239.051,66	370.620,00
143	160.948,34	513,69	2.096,31	2.610,00	158.852,03	132.082,03	241.147,97	373.230,00
144	158.852,03	507,00	2.103,00	2.610,00	156.749,03	132.589,03	243.250,97	375.840,00
145	156.749,03	500,29	2.109,71	2.610,00	154.639,32	133.089,32	245.360,68	378.450,00
146	154.639,32	493,56	2.116,44	2.610,00	152.522,88	133.582,88	247.477,12	381.060,00
147	152.522,88	486,80	2.123,20	2.610,00	150.399,68	134.069,68	249.600,32	383.670,00
148	150.399,68	480,03	2.129,97	2.610,00	148.269,71	134.549,71	251.730,29	386.280,00
149	148.269,71	473,23	2.136,77	2.610,00	146.132,94	135.022,94	253.867,06	388.890,00
150	146.132,94	466,41	2.143,59	2.610,00	143.989,34	135.489,34	256.010,66	391.500,00
151	143.989,34	459,57	2.150,43	2.610,00	141.838,91	135.948,91	258.161,09	394.110,00
152	141.838,91	452,70	2.157,30	2.610,00	139.681,61	136.401,61	260.318,39	396.720,00
153	139.681,61	445,82	2.164,18	2.610,00	137.517,43	136.847,43	262.482,57	399.330,00
154	137.517,43	438,91	2.171,09	2.610,00	135.346,34	137.286,34	264.653,66	401.940,00
155	135.346,34	431,98	2.178,02	2.610,00	133.168,32	137.718,32	266.831,68	404.550,00
156	133.168,32	425,03	2.184,97	2.610,00	130.983,35	138.143,35	269.016,65	407.160,00
157	130.983,35	418,06	2.191,94	2.610,00	128.791,40	138.561,40	271.208,60	409.770,00
158	128.791,40	411,06	2.198,94	2.610,00	126.592,46	138.972,46	273.407,54	412.380,00
159	126.592,46	404,04	2.205,96	2.610,00	124.386,50	139.376,50	275.613,50	414.990,00
160	124.386,50	397,00	2.213,00	2.610,00	122.173,50	139.773,50	277.826,50	417.600,00
161	122.173,50	389,94	2.220,06	2.610,00	119.953,44	140.163,44	280.046,56	420.210,00
162	119.953,44	382,85	2.227,15	2.610,00	117.726,29	140.546,29	282.273,71	422.820,00
163	117.726,29	375,74	2.234,26	2.610,00	115.492,03	140.922,03	284.507,97	425.430,00
164	115.492,03	368,61	2.241,39	2.610,00	113.250,65	141.290,65	286.749,35	428.040,00
165	113.250,65	361,46	2.248,54	2.610,00	111.002,10	141.652,10	288.997,90	430.650,00
166	111.002,10	354,28	2.255,72	2.610,00	108.746,39	142.006,39	291.253,61	433.260,00
167	108.746,39	347,08	2.262,92	2.610,00	106.483,47	142.353,47	293.516,53	435.870,00
168	106.483,47	339,86	2.270,14	2.610,00	104.213,33	142.693,33	295.786,67	438.480,00
169	104.213,33	332,61	2.277,39	2.610,00	101.935,94	143.025,94	298.064,06	441.090,00
170	101.935,94	325,35	2.284,65	2.610,00	99.651,29	143.351,29	300.348,71	443.700,00
171	99.651,29	318,05	2.291,95	2.610,00	97.359,34	143.669,34	302.640,66	446.310,00
172	97.359,34	310,74	2.299,26	2.610,00	95.060,08	143.980,08	304.939,92	448.920,00
173	95.060,08	303,40	2.306,60	2.610,00	92.753,48	144.283,48	307.246,52	451.530,00
174	92.753,48	296,04	2.313,96	2.610,00	90.439,52	144.579,52	309.560,48	454.140,00
175	90.439,52	288,65	2.321,35	2.610,00	88.118,17	144.868,17	311.881,83	456.750,00
176	88.118,17	281,24	2.328,76	2.610,00	85.789,42	145.149,42	314.210,58	459.360,00
177	85.789,42	273,81	2.336,19	2.610,00	83.453,23	145.423,23	316.546,77	461.970,00
178	83.453,23	266,35	2.343,65	2.610,00	81.109,58	145.689,58	318.890,42	464.580,00
179	81.109,58	258,87	2.351,13	2.610,00	78.758,46	145.948,46	321.241,54	467.190,00
180	78.758,46	251,37	2.358,63	2.610,00	76.399,83	146.199,83	323.600,17	469.800,00
181	76.399,83	243,84	2.366,16	2.610,00	74.033,67	146.443,67	325.966,33	472.410,00
182	74.033,67	236,29	2.373,71	2.610,00	71.659,96	146.679,96	328.340,04	475.020,00
183	71.659,96	228,71	2.381,29	2.610,00	69.278,68	146.908,68	330.721,32	477.630,00
184	69.278,68	221,11	2.388,89	2.610,00	66.889,79	147.129,79	333.110,21	480.240,00
185	66.889,79	213,49	2.396,51	2.610,00	64.493,28	147.343,28	335.506,72	482.850,00
186	64.493,28	205,84	2.404,16	2.610,00	62.089,12	147.549,12	337.910,88	485.460,00
187	62.089,12	198,17	2.411,83	2.610,00	59.677,29	147.747,29	340.322,71	488.070,00
188	59.677,29	190,47	2.419,53	2.610,00	57.257,76	147.937,76	342.742,24	490.680,00
189	57.257,76	182,75	2.427,25	2.610,00	54.830,51	148.120,51	345.169,49	493.290,00
190	54.830,51	175,00	2.435,00	2.610,00	52.395,51	148.295,51	347.604,49	495.900,00
191	52.395,51	167,23	2.442,77	2.610,00	49.952,74	148.462,74	350.047,26	498.510,00
192	49.952,74	159,43	2.450,57	2.610,00	47.502,17	148.622,17	352.497,83	501.120,00
193	47.502,17	151,61	2.458,39	2.610,00	45.043,78	148.773,78	354.956,22	503.730,00
194	45.043,78	143,76	2.466,24	2.610,00	42.577,54	148.917,54	357.422,46	506.340,00
195	42.577,54	135,89	2.474,11	2.610,00	40.103,44	149.053,44	359.896,56	508.950,00
196	40.103,44	128,00	2.482,00	2.610,00	37.621,43	149.181,43	362.378,57	511.560,00
197	37.621,43	120,08	2.489,92	2.610,00	35.131,51	149.301,51	364.868,49	514.170,00
198	35.131,51	112,13	2.497,87	2.610,00	32.633,64	149.413,64	367.366,36	516.780,00
199	32.633,64	104,16	2.505,84	2.610,00	30.127,79	149.517,79	369.872,21	519.390,00
200	30.127,79	96,16	2.513,84	2.610,00	27.613,95	149.613,95	372.386,05	522.000,00
201	27.613,95	88,13	2.521,87	2.610,00	25.092,09	149.702,09	374.907,91	524.610,00
202	25.092,09	80,09	2.529,91	2.610,00	22.562,17	149.782,17	377.437,83	527.220,00
203	22.562,17	72,01	2.537,99	2.610,00	20.024,18	149.854,18	379.975,82	529.830,00
204	20.024,18	63,91	2.546,09	2.610,00	17.478,09	149.918,09	382.521,91	532.440,00
205	17.478,09	55,78	2.554,22	2.610,00	14.923,88	149.973,88	385.076,12	535.050,00
206	14.923,88	47,63	2.562,37	2.610,00	12.361,51	150.021,51	387.638,49	537.660,00
207	12.361,51	39,45	2.570,55	2.610,00	9.790,96	150.060,96	390.209,04	540.270,00
208	9.790,96	31,25	2.578,75	2.610,00	7.212,21	150.092,21	392.787,79	542.880,00
209	7.212,21	23,02	2.586,98	2.610,00	4.625,23	150.115,23	395.374,77	545.490,00
210	4.625,23	14,76	2.595,24	2.610,00	2.029,99	150.129,99	397.970,01	548.100,00
211	2.029,99	6,48	2.029,99	2.029,99	2.029,99	150.136,47	400.000,00	550.136,47

Baufinanzierung

4.20/5,00

Testsieger

152.331,31€
Zinsanteil

2.633,33€
Monatsrate

3,90%
Sollzins p.a.

4,00%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 350.000,00 €;Kreditrate: 1.540,00 €;Gesamtbetrag: 184.800,00 €;Anzahl Kreditraten: 120;Laufzeit: 357 Monate;Effektiver Jahreszins: 3,35 %;Gebundener Sollzins: 3,28 %;

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

3.96/5,00

155.132,70€
Zinsanteil

2.663,33€
Monatsrate

3,99%
Sollzins p.a.

4,06%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 1.455,00 €;Gesamtbetrag: 174.600,00 €;Anzahl Kreditraten: 120;Laufzeit: 344 Monate;Effektiver Jahreszins: 3,89 %;Gebundener Sollzins: 3,82 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.330,00	1.333,33	2.663,33	398.666,67	1.330,00	1.333,33	2.663,33
2	398.666,67	1.325,57	1.337,77	2.663,33	397.328,90	2.655,57	2.671,10	5.326,67
3	397.328,90	1.321,12	1.342,21	2.663,33	395.986,69	3.976,69	4.013,31	7.990,00
4	395.986,69	1.316,66	1.346,68	2.663,33	394.640,01	5.293,34	5.359,99	10.653,33
5	394.640,01	1.312,18	1.351,16	2.663,33	393.288,85	6.605,52	6.711,15	13.316,67
6	393.288,85	1.307,69	1.355,65	2.663,33	391.933,20	7.913,20	8.066,80	15.980,00
7	391.933,20	1.303,18	1.360,16	2.663,33	390.573,05	9.216,38	9.426,95	18.643,33
8	390.573,05	1.298,66	1.364,68	2.663,33	389.208,37	10.515,04	10.791,63	21.306,67
9	389.208,37	1.294,12	1.369,22	2.663,33	387.839,16	11.809,16	12.160,84	23.970,00
10	387.839,16	1.289,57	1.373,77	2.663,33	386.465,39	13.098,72	13.534,61	26.633,33
11	386.465,39	1.285,00	1.378,34	2.663,33	385.087,05	14.383,72	14.912,95	29.296,67
12	385.087,05	1.280,41	1.382,92	2.663,33	383.704,13	15.664,13	16.295,87	31.960,00
13	383.704,13	1.275,82	1.387,52	2.663,33	382.316,62	16.939,95	17.683,38	34.623,33
14	382.316,62	1.271,20	1.392,13	2.663,33	380.924,48	18.211,15	19.075,52	37.286,67
15	380.924,48	1.266,57	1.396,76	2.663,33	379.527,73	19.477,73	20.472,27	39.950,00
16	379.527,73	1.261,93	1.401,40	2.663,33	378.126,32	20.739,66	21.873,68	42.613,33
17	378.126,32	1.257,27	1.406,06	2.663,33	376.720,26	21.996,93	23.279,74	45.276,67
18	376.720,26	1.252,59	1.410,74	2.663,33	375.309,52	23.249,52	24.690,48	47.940,00
19	375.309,52	1.247,90	1.415,43	2.663,33	373.894,09	24.497,42	26.105,91	50.603,33
20	373.894,09	1.243,20	1.420,14	2.663,33	372.473,96	25.740,62	27.526,04	53.266,67
21	372.473,96	1.238,48	1.424,86	2.663,33	371.049,10	26.979,10	28.950,90	55.930,00
22	371.049,10	1.233,74	1.429,60	2.663,33	369.619,50	28.212,84	30.380,50	58.593,33
23	369.619,50	1.228,98	1.434,35	2.663,33	368.185,15	29.441,82	31.814,85	61.256,67
24	368.185,15	1.224,22	1.439,12	2.663,33	366.746,04	30.666,04	33.253,96	63.920,00
25	366.746,04	1.219,43	1.443,90	2.663,33	365.302,13	31.885,47	34.697,87	66.583,33
26	365.302,13	1.214,63	1.448,70	2.663,33	363.853,43	33.100,10	36.146,57	69.246,67
27	363.853,43	1.209,81	1.453,52	2.663,33	362.399,91	34.309,91	37.600,09	71.910,00
28	362.399,91	1.204,98	1.458,35	2.663,33	360.941,56	35.514,89	39.058,44	74.573,33
29	360.941,56	1.200,13	1.463,20	2.663,33	359.478,35	36.715,02	40.521,65	77.236,67
30	359.478,35	1.195,27	1.468,07	2.663,33	358.010,29	37.910,29	41.989,71	79.900,00
31	358.010,29	1.190,38	1.472,95	2.663,33	356.537,34	39.100,67	43.462,66	82.563,33
32	356.537,34	1.185,49	1.477,85	2.663,33	355.059,49	40.286,16	44.940,51	85.226,67
33	355.059,49	1.180,57	1.482,76	2.663,33	353.576,73	41.466,73	46.423,27	87.890,00
34	353.576,73	1.175,64	1.487,69	2.663,33	352.089,04	42.642,37	47.910,96	90.553,33
35	352.089,04	1.170,70	1.492,64	2.663,33	350.596,40	43.813,07	49.403,60	93.216,67
36	350.596,40	1.165,73	1.497,60	2.663,33	349.098,80	44.978,80	50.901,20	95.880,00
37	349.098,80	1.160,75	1.502,58	2.663,33	347.596,22	46.139,55	52.403,78	98.543,33
38	347.596,22	1.155,76	1.507,58	2.663,33	346.088,65	47.295,31	53.911,35	101.206,67
39	346.088,65	1.150,74	1.512,59	2.663,33	344.576,06	48.446,06	55.423,94	103.870,00
40	344.576,06	1.145,72	1.517,62	2.663,33	343.058,44	49.591,77	56.941,56	106.533,33
41	343.058,44	1.140,67	1.522,66	2.663,33	341.535,77	50.732,44	58.464,23	109.196,67
42	341.535,77	1.135,61	1.527,73	2.663,33	340.008,05	51.868,05	59.991,95	111.860,00
43	340.008,05	1.130,53	1.532,81	2.663,33	338.475,24	52.998,57	61.524,76	114.523,33
44	338.475,24	1.125,43	1.537,90	2.663,33	336.937,34	54.124,00	63.062,66	117.186,67
45	336.937,34	1.120,32	1.543,02	2.663,33	335.394,32	55.244,32	64.605,68	119.850,00
46	335.394,32	1.115,19	1.548,15	2.663,33	333.846,17	56.359,51	66.153,83	122.513,33
47	333.846,17	1.110,04	1.553,29	2.663,33	332.292,88	57.469,55	67.707,12	125.176,67
48	332.292,88	1.104,87	1.558,46	2.663,33	330.734,42	58.574,42	69.265,58	127.840,00
49	330.734,42	1.099,69	1.563,64	2.663,33	329.170,78	59.674,11	70.829,22	130.503,33
50	329.170,78	1.094,49	1.568,84	2.663,33	327.601,94	60.768,60	72.398,06	133.166,67
51	327.601,94	1.089,28	1.574,06	2.663,33	326.027,88	61.857,88	73.972,12	135.830,00
52	326.027,88	1.084,04	1.579,29	2.663,33	324.448,59	62.941,92	75.551,41	138.493,33
53	324.448,59	1.078,79	1.584,54	2.663,33	322.864,05	64.020,72	77.135,95	141.156,67
54	322.864,05	1.073,52	1.589,81	2.663,33	321.274,24	65.094,24	78.725,76	143.820,00
55	321.274,24	1.068,24	1.595,10	2.663,33	319.679,14	66.162,48	80.320,86	146.483,33
56	319.679,14	1.062,93	1.600,40	2.663,33	318.078,74	67.225,41	81.921,26	149.146,67
57	318.078,74	1.057,61	1.605,72	2.663,33	316.473,02	68.283,02	83.526,98	151.810,00
58	316.473,02	1.052,27	1.611,06	2.663,33	314.861,96	69.335,29	85.138,04	154.473,33
59	314.861,96	1.046,92	1.616,42	2.663,33	313.245,54	70.382,21	86.754,46	157.136,67
60	313.245,54	1.041,54	1.621,79	2.663,33	311.623,75	71.423,75	88.376,25	159.800,00
61	311.623,75	1.036,15	1.627,18	2.663,33	309.996,57	72.459,90	90.003,43	162.463,33
62	309.996,57	1.030,74	1.632,59	2.663,33	308.363,97	73.490,64	91.636,03	165.126,67
63	308.363,97	1.025,31	1.638,02	2.663,33	306.725,95	74.515,95	93.274,05	167.790,00
64	306.725,95	1.019,86	1.643,47	2.663,33	305.082,48	75.535,81	94.917,52	170.453,33
65	305.082,48	1.014,40	1.648,93	2.663,33	303.433,54	76.550,21	96.566,46	173.116,67
66	303.433,54	1.008,92	1.654,42	2.663,33	301.779,13	77.559,13	98.220,87	175.780,00
67	301.779,13	1.003,42	1.659,92	2.663,33	300.119,21	78.562,54	99.880,79	178.443,33
68	300.119,21	997,90	1.665,44	2.663,33	298.453,77	79.560,44	101.546,23	181.106,67
69	298.453,77	992,36	1.670,97	2.663,33	296.782,80	80.552,80	103.217,20	183.770,00
70	296.782,80	986,80	1.676,53	2.663,33	295.106,27	81.539,60	104.893,73	186.433,33
71	295.106,27	981,23	1.682,10	2.663,33	293.424,16	82.520,83	106.575,84	189.096,67
72	293.424,16	975,64	1.687,70	2.663,33	291.736,46	83.496,46	108.263,54	191.760,00
73	291.736,46	970,02	1.693,31	2.663,33	290.043,16	84.466,49	109.956,84	194.423,33
74	290.043,16	964,39	1.698,94	2.663,33	288.344,22	85.430,88	111.655,78	197.086,67
75	288.344,22	958,74	1.704,59	2.663,33	286.639,63	86.389,63	113.360,37	199.750,00
76	286.639,63	953,08	1.710,26	2.663,33	284.929,37	87.342,70	115.070,63	202.413,33
77	284.929,37	947,39	1.715,94	2.663,33	283.213,43	88.290,09	116.786,57	205.076,67
78	283.213,43	941,68	1.721,65	2.663,33	281.491,78	89.231,78	118.508,22	207.740,00
79	281.491,78	935,96	1.727,37	2.663,33	279.764,40	90.167,74	120.235,60	210.403,33
80	279.764,40	930,22	1.733,12	2.663,33	278.031,29	91.097,95	121.968,71	213.066,67
81	278.031,29	924,45	1.738,88	2.663,33	276.292,41	92.022,41	123.707,59	215.730,00
82	276.292,41	918,67	1.744,66	2.663,33	274.547,75	92.941,08	125.452,25	218.393,33
83	274.547,75	912,87	1.750,46	2.663,33	272.797,29	93.853,95	127.202,71	221.056,67
84	272.797,29	907,05	1.756,28	2.663,33	271.041,00	94.761,00	128.959,00	223.720,00
85	271.041,00	901,21	1.762,12	2.663,33	269.278,88	95.662,21	130.721,12	226.383,33
86	269.278,88	895,35	1.767,98	2.663,33	267.510,90	96.557,57	132.489,10	229.046,67
87	267.510,90	889,47	1.773,86	2.663,33	265.737,04	97.447,04	134.262,96	231.710,00
88	265.737,04	883,58	1.779,76	2.663,33	263.957,28	98.330,62	136.042,72	234.373,33
89	263.957,28	877,66	1.785,68	2.663,33	262.171,61	99.208,27	137.828,39	237.036,67
90	262.171,61	871,72	1.791,61	2.663,33	260.379,99	100.079,99	139.620,01	239.700,00
91	260.379,99	865,76	1.797,57	2.663,33	258.582,43	100.945,76	141.417,57	242.363,33
92	258.582,43	859,79	1.803,55	2.663,33	256.778,88	101.805,55	143.221,12	245.026,67
93	256.778,88	853,79	1.809,54	2.663,33	254.969,33	102.659,33	145.030,67	247.690,00
94	254.969,33	847,77	1.815,56	2.663,33	253.153,77	103.507,11	146.846,23	250.353,33
95	253.153,77	841,74	1.821,60	2.663,33	251.332,18	104.348,84	148.667,82	253.016,67
96	251.332,18	835,68	1.827,65	2.663,33	249.504,52	105.184,52	150.495,48	255.680,00
97	249.504,52	829,60	1.833,73	2.663,33	247.670,79	106.014,13	152.329,21	258.343,33
98	247.670,79	823,51	1.839,83	2.663,33	245.830,96	106.837,63	154.169,04	261.006,67
99	245.830,96	817,39	1.845,95	2.663,33	243.985,02	107.655,02	156.014,98	263.670,00
100	243.985,02	811,25	1.852,08	2.663,33	242.132,94	108.466,27	157.867,06	266.333,33
101	242.132,94	805,09	1.858,24	2.663,33	240.274,70	109.271,36	159.725,30	268.996,67
102	240.274,70	798,91	1.864,42	2.663,33	238.410,28	110.070,28	161.589,72	271.660,00
103	238.410,28	792,71	1.870,62	2.663,33	236.539,66	110.862,99	163.460,34	274.323,33
104	236.539,66	786,49	1.876,84	2.663,33	234.662,82	111.649,48	165.337,18	276.986,67
105	234.662,82	780,25	1.883,08	2.663,33	232.779,74	112.429,74	167.220,26	279.650,00
106	232.779,74	773,99	1.889,34	2.663,33	230.890,40	113.203,73	169.109,60	282.313,33
107	230.890,40	767,71	1.895,62	2.663,33	228.994,77	113.971,44	171.005,23	284.976,67
108	228.994,77	761,41	1.901,93	2.663,33	227.092,85	114.732,85	172.907,15	287.640,00
109	227.092,85	755,08	1.908,25	2.663,33	225.184,60	115.487,93	174.815,40	290.303,33
110	225.184,60	748,74	1.914,59	2.663,33	223.270,00	116.236,67	176.730,00	292.966,67
111	223.270,00	742,37	1.920,96	2.663,33	221.349,04	116.979,04	178.650,96	295.630,00
112	221.349,04	735,99	1.927,35	2.663,33	219.421,70	117.715,03	180.578,30	298.293,33
113	219.421,70	729,58	1.933,76	2.663,33	217.487,94	118.444,61	182.512,06	300.956,67
114	217.487,94	723,15	1.940,19	2.663,33	215.547,75	119.167,75	184.452,25	303.620,00
115	215.547,75	716,70	1.946,64	2.663,33	213.601,12	119.884,45	186.398,88	306.283,33
116	213.601,12	710,22	1.953,11	2.663,33	211.648,01	120.594,67	188.351,99	308.946,67
117	211.648,01	703,73	1.959,60	2.663,33	209.688,40	121.298,40	190.311,60	311.610,00
118	209.688,40	697,21	1.966,12	2.663,33	207.722,28	121.995,62	192.277,72	314.273,33
119	207.722,28	690,68	1.972,66	2.663,33	205.749,63	122.686,29	194.250,37	316.936,67
120	205.749,63	684,12	1.979,22	2.663,33	203.770,41	123.370,41	196.229,59	319.600,00
121	203.770,41	677,54	1.985,80	2.663,33	201.784,61	124.047,95	198.215,39	322.263,33
122	201.784,61	670,93	1.992,40	2.663,33	199.792,22	124.718,88	200.207,78	324.926,67
123	199.792,22	664,31	1.999,02	2.663,33	197.793,19	125.383,19	202.206,81	327.590,00
124	197.793,19	657,66	2.005,67	2.663,33	195.787,52	126.040,85	204.212,48	330.253,33
125	195.787,52	650,99	2.012,34	2.663,33	193.775,18	126.691,85	206.224,82	332.916,67
126	193.775,18	644,30	2.019,03	2.663,33	191.756,15	127.336,15	208.243,85	335.580,00
127	191.756,15	637,59	2.025,74	2.663,33	189.730,41	127.973,74	210.269,59	338.243,33
128	189.730,41	630,85	2.032,48	2.663,33	187.697,93	128.604,59	212.302,07	340.906,67
129	187.697,93	624,10	2.039,24	2.663,33	185.658,69	129.228,69	214.341,31	343.570,00
130	185.658,69	617,32	2.046,02	2.663,33	183.612,67	129.846,00	216.387,33	346.233,33
131	183.612,67	610,51	2.052,82	2.663,33	181.559,85	130.456,51	218.440,15	348.896,67
132	181.559,85	603,69	2.059,65	2.663,33	179.500,20	131.060,20	220.499,80	351.560,00
133	179.500,20	596,84	2.066,50	2.663,33	177.433,71	131.657,04	222.566,29	354.223,33
134	177.433,71	589,97	2.073,37	2.663,33	175.360,34	132.247,01	224.639,66	356.886,67
135	175.360,34	583,07	2.080,26	2.663,33	173.280,08	132.830,08	226.719,92	359.550,00
136	173.280,08	576,16	2.087,18	2.663,33	171.192,90	133.406,24	228.807,10	362.213,33
137	171.192,90	569,22	2.094,12	2.663,33	169.098,79	133.975,45	230.901,21	364.876,67
138	169.098,79	562,25	2.101,08	2.663,33	166.997,71	134.537,71	233.002,29	367.540,00
139	166.997,71	555,27	2.108,07	2.663,33	164.889,64	135.092,97	235.110,36	370.203,33
140	164.889,64	548,26	2.115,08	2.663,33	162.774,56	135.641,23	237.225,44	372.866,67
141	162.774,56	541,23	2.122,11	2.663,33	160.652,46	136.182,46	239.347,54	375.530,00
142	160.652,46	534,17	2.129,16	2.663,33	158.523,29	136.716,63	241.476,71	378.193,33
143	158.523,29	527,09	2.136,24	2.663,33	156.387,05	137.243,72	243.612,95	380.856,67
144	156.387,05	519,99	2.143,35	2.663,33	154.243,70	137.763,70	245.756,30	383.520,00
145	154.243,70	512,86	2.150,47	2.663,33	152.093,23	138.276,56	247.906,77	386.183,33
146	152.093,23	505,71	2.157,62	2.663,33	149.935,61	138.782,27	250.064,39	388.846,67
147	149.935,61	498,54	2.164,80	2.663,33	147.770,81	139.280,81	252.229,19	391.510,00
148	147.770,81	491,34	2.172,00	2.663,33	145.598,81	139.772,15	254.401,19	394.173,33
149	145.598,81	484,12	2.179,22	2.663,33	143.419,60	140.256,26	256.580,40	396.836,67
150	143.419,60	476,87	2.186,46	2.663,33	141.233,13	140.733,13	258.766,87	399.500,00
151	141.233,13	469,60	2.193,73	2.663,33	139.039,40	141.202,73	260.960,60	402.163,33
152	139.039,40	462,31	2.201,03	2.663,33	136.838,37	141.665,04	263.161,63	404.826,67
153	136.838,37	454,99	2.208,35	2.663,33	134.630,03	142.120,03	265.369,97	407.490,00
154	134.630,03	447,64	2.215,69	2.663,33	132.414,34	142.567,67	267.585,66	410.153,33
155	132.414,34	440,28	2.223,06	2.663,33	130.191,28	143.007,95	269.808,72	412.816,67
156	130.191,28	432,89	2.230,45	2.663,33	127.960,84	143.440,84	272.039,16	415.480,00
157	127.960,84	425,47	2.237,86	2.663,33	125.722,97	143.866,31	274.277,03	418.143,33
158	125.722,97	418,03	2.245,30	2.663,33	123.477,67	144.284,33	276.522,33	420.806,67
159	123.477,67	410,56	2.252,77	2.663,33	121.224,90	144.694,90	278.775,10	423.470,00
160	121.224,90	403,07	2.260,26	2.663,33	118.964,64	145.097,97	281.035,36	426.133,33
161	118.964,64	395,56	2.267,78	2.663,33	116.696,86	145.493,53	283.303,14	428.796,67
162	116.696,86	388,02	2.275,32	2.663,33	114.421,54	145.881,54	285.578,46	431.460,00
163	114.421,54	380,45	2.282,88	2.663,33	112.138,66	146.262,00	287.861,34	434.123,33
164	112.138,66	372,86	2.290,47	2.663,33	109.848,19	146.634,86	290.151,81	436.786,67
165	109.848,19	365,25	2.298,09	2.663,33	107.550,10	147.000,10	292.449,90	439.450,00
166	107.550,10	357,60	2.305,73	2.663,33	105.244,37	147.357,71	294.755,63	442.113,33
167	105.244,37	349,94	2.313,40	2.663,33	102.930,98	147.707,64	297.069,02	444.776,67
168	102.930,98	342,25	2.321,09	2.663,33	100.609,89	148.049,89	299.390,11	447.440,00
169	100.609,89	334,53	2.328,81	2.663,33	98.281,08	148.384,42	301.718,92	450.103,33
170	98.281,08	326,78	2.336,55	2.663,33	95.944,54	148.711,20	304.055,46	452.766,67
171	95.944,54	319,02	2.344,32	2.663,33	93.600,22	149.030,22	306.399,78	455.430,00
172	93.600,22	311,22	2.352,11	2.663,33	91.248,11	149.341,44	308.751,89	458.093,33
173	91.248,11	303,40	2.359,93	2.663,33	88.888,17	149.644,84	311.111,83	460.756,67
174	88.888,17	295,55	2.367,78	2.663,33	86.520,39	149.940,39	313.479,61	463.420,00
175	86.520,39	287,68	2.375,65	2.663,33	84.144,74	150.228,07	315.855,26	466.083,33
176	84.144,74	279,78	2.383,55	2.663,33	81.761,19	150.507,85	318.238,81	468.746,67
177	81.761,19	271,86	2.391,48	2.663,33	79.369,71	150.779,71	320.630,29	471.410,00
178	79.369,71	263,90	2.399,43	2.663,33	76.970,28	151.043,61	323.029,72	474.073,33
179	76.970,28	255,93	2.407,41	2.663,33	74.562,87	151.299,54	325.437,13	476.736,67
180	74.562,87	247,92	2.415,41	2.663,33	72.147,46	151.547,46	327.852,54	479.400,00
181	72.147,46	239,89	2.423,44	2.663,33	69.724,02	151.787,35	330.275,98	482.063,33
182	69.724,02	231,83	2.431,50	2.663,33	67.292,52	152.019,18	332.707,48	484.726,67
183	67.292,52	223,75	2.439,59	2.663,33	64.852,93	152.242,93	335.147,07	487.390,00
184	64.852,93	215,64	2.447,70	2.663,33	62.405,23	152.458,57	337.594,77	490.053,33
185	62.405,23	207,50	2.455,84	2.663,33	59.949,40	152.666,07	340.050,60	492.716,67
186	59.949,40	199,33	2.464,00	2.663,33	57.485,40	152.865,40	342.514,60	495.380,00
187	57.485,40	191,14	2.472,19	2.663,33	55.013,20	153.056,54	344.986,80	498.043,33
188	55.013,20	182,92	2.480,41	2.663,33	52.532,79	153.239,45	347.467,21	500.706,67
189	52.532,79	174,67	2.488,66	2.663,33	50.044,13	153.414,13	349.955,87	503.370,00
190	50.044,13	166,40	2.496,94	2.663,33	47.547,19	153.580,52	352.452,81	506.033,33
191	47.547,19	158,09	2.505,24	2.663,33	45.041,95	153.738,62	354.958,05	508.696,67
192	45.041,95	149,76	2.513,57	2.663,33	42.528,38	153.888,38	357.471,62	511.360,00
193	42.528,38	141,41	2.521,93	2.663,33	40.006,46	154.029,79	359.993,54	514.023,33
194	40.006,46	133,02	2.530,31	2.663,33	37.476,14	154.162,81	362.523,86	516.686,67
195	37.476,14	124,61	2.538,73	2.663,33	34.937,42	154.287,42	365.062,58	519.350,00
196	34.937,42	116,17	2.547,17	2.663,33	32.390,25	154.403,59	367.609,75	522.013,33
197	32.390,25	107,70	2.555,64	2.663,33	29.834,62	154.511,28	370.165,38	524.676,67
198	29.834,62	99,20	2.564,13	2.663,33	27.270,48	154.610,48	372.729,52	527.340,00
199	27.270,48	90,67	2.572,66	2.663,33	24.697,82	154.701,16	375.302,18	530.003,33
200	24.697,82	82,12	2.581,21	2.663,33	22.116,61	154.783,28	377.883,39	532.666,67
201	22.116,61	73,54	2.589,80	2.663,33	19.526,82	154.856,82	380.473,18	535.330,00
202	19.526,82	64,93	2.598,41	2.663,33	16.928,41	154.921,74	383.071,59	537.993,33
203	16.928,41	56,29	2.607,05	2.663,33	14.321,36	154.978,03	385.678,64	540.656,67
204	14.321,36	47,62	2.615,71	2.663,33	11.705,65	155.025,65	388.294,35	543.320,00
205	11.705,65	38,92	2.624,41	2.663,33	9.081,24	155.064,57	390.918,76	545.983,33
206	9.081,24	30,20	2.633,14	2.663,33	6.448,10	155.094,76	393.551,90	548.646,67
207	6.448,10	21,44	2.641,89	2.663,33	3.806,20	155.116,20	396.193,80	551.310,00
208	3.806,20	12,66	2.650,68	2.663,33	1.155,53	155.128,86	398.844,47	553.973,33
209	1.155,53	3,84	1.155,53	1.155,53	1.155,53	155.132,70	400.000,00	555.132,70

Baufinanzierung

3.85/5,00

156.987,38€
Zinsanteil

2.683,33€
Monatsrate

4,05%
Sollzins p.a.

4,13%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 1.447,50 €;Gesamtbetrag: 173.700,00 €;Anzahl Kreditraten: 120;Laufzeit: 337 Monate;Effektiver Jahreszins: 3,86 %;Gebundener Sollzins: 3,79 %;

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

Baufinanzierung

3.97/5,00

Staffelzinsrabatte für Darlehen ab 350.000 EUR und "Umweltfreundliches Bauen"

157.603,18€
Zinsanteil

2.690,00€
Monatsrate

4,07%
Sollzins p.a.

4,17%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 1.737,50 €;Gesamtbetrag: 312.750,00 €;Anzahl Kreditraten: 180;Laufzeit: 256 Monate;Effektiver Jahreszins: 4,05 %;Gebundener Sollzins: 3,95 %;

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

Stand der Daten: 03.03.2026

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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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