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

3.81/5,00

145.703,51€
Zinsanteil

2.563,33€
Monatsrate

3,69%
Sollzins p.a.

3,76%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 1.650,00 €;Gesamtbetrag: 198.000,00 €;Anzahl Kreditraten: 120;Laufzeit: 314 Monate;Effektiver Jahreszins: 4,73 %;Gebundener Sollzins: 4,60 %;

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

Baufinanzierung

3.81/5,00

145.703,51€
Zinsanteil

2.563,33€
Monatsrate

3,69%
Sollzins p.a.

3,76%
Effektivzins p.a.

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

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

Baufinanzierung

3.98/5,00

Testsieger

150.451,14€
Zinsanteil

2.613,33€
Monatsrate

3,84%
Sollzins p.a.

3,91%
Effektivzins p.a.

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

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

Baufinanzierung

3.81/5,00

152.331,31€
Zinsanteil

2.633,33€
Monatsrate

3,90%
Sollzins p.a.

3,97%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 1.462,50 €;Gesamtbetrag: 178.452,04 €;Anzahl Kreditraten: 180;Laufzeit: 336 Monate;Effektiver Jahreszins: 3,92 %;Gebundener Sollzins: 3,85 %;

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

3.66/5,00

158.217,13€
Zinsanteil

2.696,67€
Monatsrate

4,09%
Sollzins p.a.

4,19%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 356.000,00 €;Kreditrate: 1.752,00 €;Gesamtbetrag: 210.040,00 €;Anzahl Kreditraten: 120;Laufzeit: 351 Monate;Effektiver Jahreszins: 4,00 %;Gebundener Sollzins: 3,90 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.363,33	1.333,33	2.696,67	398.666,67	1.363,33	1.333,33	2.696,67
2	398.666,67	1.358,79	1.337,88	2.696,67	397.328,79	2.722,12	2.671,21	5.393,33
3	397.328,79	1.354,23	1.342,44	2.696,67	395.986,35	4.076,35	4.013,65	8.090,00
4	395.986,35	1.349,65	1.347,01	2.696,67	394.639,34	5.426,00	5.360,66	10.786,67
5	394.639,34	1.345,06	1.351,60	2.696,67	393.287,73	6.771,07	6.712,27	13.483,33
6	393.287,73	1.340,46	1.356,21	2.696,67	391.931,52	8.111,52	8.068,48	16.180,00
7	391.931,52	1.335,83	1.360,83	2.696,67	390.570,69	9.447,36	9.429,31	18.876,67
8	390.570,69	1.331,20	1.365,47	2.696,67	389.205,22	10.778,55	10.794,78	21.573,33
9	389.205,22	1.326,54	1.370,13	2.696,67	387.835,09	12.105,09	12.164,91	24.270,00
10	387.835,09	1.321,87	1.374,80	2.696,67	386.460,30	13.426,96	13.539,70	26.966,67
11	386.460,30	1.317,19	1.379,48	2.696,67	385.080,82	14.744,15	14.919,18	29.663,33
12	385.080,82	1.312,48	1.384,18	2.696,67	383.696,63	16.056,63	16.303,37	32.360,00
13	383.696,63	1.307,77	1.388,90	2.696,67	382.307,73	17.364,40	17.692,27	35.056,67
14	382.307,73	1.303,03	1.393,63	2.696,67	380.914,10	18.667,43	19.085,90	37.753,33
15	380.914,10	1.298,28	1.398,38	2.696,67	379.515,71	19.965,71	20.484,29	40.450,00
16	379.515,71	1.293,52	1.403,15	2.696,67	378.112,56	21.259,23	21.887,44	43.146,67
17	378.112,56	1.288,73	1.407,93	2.696,67	376.704,63	22.547,96	23.295,37	45.843,33
18	376.704,63	1.283,93	1.412,73	2.696,67	375.291,90	23.831,90	24.708,10	48.540,00
19	375.291,90	1.279,12	1.417,55	2.696,67	373.874,35	25.111,02	26.125,65	51.236,67
20	373.874,35	1.274,29	1.422,38	2.696,67	372.451,97	26.385,31	27.548,03	53.933,33
21	372.451,97	1.269,44	1.427,23	2.696,67	371.024,75	27.654,75	28.975,25	56.630,00
22	371.024,75	1.264,58	1.432,09	2.696,67	369.592,66	28.919,32	30.407,34	59.326,67
23	369.592,66	1.259,69	1.436,97	2.696,67	368.155,68	30.179,02	31.844,32	62.023,33
24	368.155,68	1.254,80	1.441,87	2.696,67	366.713,81	31.433,81	33.286,19	64.720,00
25	366.713,81	1.249,88	1.446,78	2.696,67	365.267,03	32.683,70	34.732,97	67.416,67
26	365.267,03	1.244,95	1.451,71	2.696,67	363.815,32	33.928,65	36.184,68	70.113,33
27	363.815,32	1.240,00	1.456,66	2.696,67	362.358,65	35.168,65	37.641,35	72.810,00
28	362.358,65	1.235,04	1.461,63	2.696,67	360.897,03	36.403,69	39.102,97	75.506,67
29	360.897,03	1.230,06	1.466,61	2.696,67	359.430,42	37.633,75	40.569,58	78.203,33
30	359.430,42	1.225,06	1.471,61	2.696,67	357.958,81	38.858,81	42.041,19	80.900,00
31	357.958,81	1.220,04	1.476,62	2.696,67	356.482,18	40.078,85	43.517,82	83.596,67
32	356.482,18	1.215,01	1.481,66	2.696,67	355.000,53	41.293,86	44.999,47	86.293,33
33	355.000,53	1.209,96	1.486,71	2.696,67	353.513,82	42.503,82	46.486,18	88.990,00
34	353.513,82	1.204,89	1.491,77	2.696,67	352.022,05	43.708,71	47.977,95	91.686,67
35	352.022,05	1.199,81	1.496,86	2.696,67	350.525,19	44.908,52	49.474,81	94.383,33
36	350.525,19	1.194,71	1.501,96	2.696,67	349.023,23	46.103,23	50.976,77	97.080,00
37	349.023,23	1.189,59	1.507,08	2.696,67	347.516,15	47.292,82	52.483,85	99.776,67
38	347.516,15	1.184,45	1.512,22	2.696,67	346.003,93	48.477,27	53.996,07	102.473,33
39	346.003,93	1.179,30	1.517,37	2.696,67	344.486,57	49.656,57	55.513,43	105.170,00
40	344.486,57	1.174,13	1.522,54	2.696,67	342.964,02	50.830,69	57.035,98	107.866,67
41	342.964,02	1.168,94	1.527,73	2.696,67	341.436,29	51.999,63	58.563,71	110.563,33
42	341.436,29	1.163,73	1.532,94	2.696,67	339.903,35	53.163,35	60.096,65	113.260,00
43	339.903,35	1.158,50	1.538,16	2.696,67	338.365,19	54.321,86	61.634,81	115.956,67
44	338.365,19	1.153,26	1.543,41	2.696,67	336.821,79	55.475,12	63.178,21	118.653,33
45	336.821,79	1.148,00	1.548,67	2.696,67	335.273,12	56.623,12	64.726,88	121.350,00
46	335.273,12	1.142,72	1.553,94	2.696,67	333.719,18	57.765,84	66.280,82	124.046,67
47	333.719,18	1.137,43	1.559,24	2.696,67	332.159,94	58.903,27	67.840,06	126.743,33
48	332.159,94	1.132,11	1.564,55	2.696,67	330.595,38	60.035,38	69.404,62	129.440,00
49	330.595,38	1.126,78	1.569,89	2.696,67	329.025,49	61.162,16	70.974,51	132.136,67
50	329.025,49	1.121,43	1.575,24	2.696,67	327.450,26	62.283,59	72.549,74	134.833,33
51	327.450,26	1.116,06	1.580,61	2.696,67	325.869,65	63.399,65	74.130,35	137.530,00
52	325.869,65	1.110,67	1.585,99	2.696,67	324.283,65	64.510,32	75.716,35	140.226,67
53	324.283,65	1.105,27	1.591,40	2.696,67	322.692,25	65.615,59	77.307,75	142.923,33
54	322.692,25	1.099,84	1.596,82	2.696,67	321.095,43	66.715,43	78.904,57	145.620,00
55	321.095,43	1.094,40	1.602,27	2.696,67	319.493,16	67.809,83	80.506,84	148.316,67
56	319.493,16	1.088,94	1.607,73	2.696,67	317.885,44	68.898,77	82.114,56	151.013,33
57	317.885,44	1.083,46	1.613,21	2.696,67	316.272,23	69.982,23	83.727,77	153.710,00
58	316.272,23	1.077,96	1.618,71	2.696,67	314.653,52	71.060,19	85.346,48	156.406,67
59	314.653,52	1.072,44	1.624,22	2.696,67	313.029,30	72.132,63	86.970,70	159.103,33
60	313.029,30	1.066,91	1.629,76	2.696,67	311.399,54	73.199,54	88.600,46	161.800,00
61	311.399,54	1.061,35	1.635,31	2.696,67	309.764,23	74.260,90	90.235,77	164.496,67
62	309.764,23	1.055,78	1.640,89	2.696,67	308.123,34	75.316,68	91.876,66	167.193,33
63	308.123,34	1.050,19	1.646,48	2.696,67	306.476,86	76.366,86	93.523,14	169.890,00
64	306.476,86	1.044,58	1.652,09	2.696,67	304.824,77	77.411,44	95.175,23	172.586,67
65	304.824,77	1.038,94	1.657,72	2.696,67	303.167,05	78.450,38	96.832,95	175.283,33
66	303.167,05	1.033,29	1.663,37	2.696,67	301.503,68	79.483,68	98.496,32	177.980,00
67	301.503,68	1.027,63	1.669,04	2.696,67	299.834,64	80.511,30	100.165,36	180.676,67
68	299.834,64	1.021,94	1.674,73	2.696,67	298.159,91	81.533,24	101.840,09	183.373,33
69	298.159,91	1.016,23	1.680,44	2.696,67	296.479,47	82.549,47	103.520,53	186.070,00
70	296.479,47	1.010,50	1.686,17	2.696,67	294.793,30	83.559,97	105.206,70	188.766,67
71	294.793,30	1.004,75	1.691,91	2.696,67	293.101,39	84.564,72	106.898,61	191.463,33
72	293.101,39	998,99	1.697,68	2.696,67	291.403,71	85.563,71	108.596,29	194.160,00
73	291.403,71	993,20	1.703,47	2.696,67	289.700,24	86.556,91	110.299,76	196.856,67
74	289.700,24	987,39	1.709,27	2.696,67	287.990,97	87.544,31	112.009,03	199.553,33
75	287.990,97	981,57	1.715,10	2.696,67	286.275,87	88.525,87	113.724,13	202.250,00
76	286.275,87	975,72	1.720,94	2.696,67	284.554,93	89.501,60	115.445,07	204.946,67
77	284.554,93	969,86	1.726,81	2.696,67	282.828,12	90.471,46	117.171,88	207.643,33
78	282.828,12	963,97	1.732,69	2.696,67	281.095,43	91.435,43	118.904,57	210.340,00
79	281.095,43	958,07	1.738,60	2.696,67	279.356,83	92.393,50	120.643,17	213.036,67
80	279.356,83	952,14	1.744,53	2.696,67	277.612,30	93.345,64	122.387,70	215.733,33
81	277.612,30	946,20	1.750,47	2.696,67	275.861,83	94.291,83	124.138,17	218.430,00
82	275.861,83	940,23	1.756,44	2.696,67	274.105,39	95.232,06	125.894,61	221.126,67
83	274.105,39	934,24	1.762,42	2.696,67	272.342,97	96.166,30	127.657,03	223.823,33
84	272.342,97	928,24	1.768,43	2.696,67	270.574,54	97.094,54	129.425,46	226.520,00
85	270.574,54	922,21	1.774,46	2.696,67	268.800,08	98.016,75	131.199,92	229.216,67
86	268.800,08	916,16	1.780,51	2.696,67	267.019,57	98.932,91	132.980,43	231.913,33
87	267.019,57	910,09	1.786,57	2.696,67	265.233,00	99.843,00	134.767,00	234.610,00
88	265.233,00	904,00	1.792,66	2.696,67	263.440,34	100.747,00	136.559,66	237.306,67
89	263.440,34	897,89	1.798,77	2.696,67	261.641,56	101.644,89	138.358,44	240.003,33
90	261.641,56	891,76	1.804,91	2.696,67	259.836,66	102.536,66	140.163,34	242.700,00
91	259.836,66	885,61	1.811,06	2.696,67	258.025,60	103.422,27	141.974,40	245.396,67
92	258.025,60	879,44	1.817,23	2.696,67	256.208,37	104.301,70	143.791,63	248.093,33
93	256.208,37	873,24	1.823,42	2.696,67	254.384,95	105.174,95	145.615,05	250.790,00
94	254.384,95	867,03	1.829,64	2.696,67	252.555,31	106.041,98	147.444,69	253.486,67
95	252.555,31	860,79	1.835,87	2.696,67	250.719,43	106.902,77	149.280,57	256.183,33
96	250.719,43	854,54	1.842,13	2.696,67	248.877,30	107.757,30	151.122,70	258.880,00
97	248.877,30	848,26	1.848,41	2.696,67	247.028,89	108.605,56	152.971,11	261.576,67
98	247.028,89	841,96	1.854,71	2.696,67	245.174,18	109.447,52	154.825,82	264.273,33
99	245.174,18	835,64	1.861,03	2.696,67	243.313,15	110.283,15	156.686,85	266.970,00
100	243.313,15	829,29	1.867,37	2.696,67	241.445,78	111.112,44	158.554,22	269.666,67
101	241.445,78	822,93	1.873,74	2.696,67	239.572,04	111.935,37	160.427,96	272.363,33
102	239.572,04	816,54	1.880,13	2.696,67	237.691,91	112.751,91	162.308,09	275.060,00
103	237.691,91	810,13	1.886,53	2.696,67	235.805,38	113.562,05	164.194,62	277.756,67
104	235.805,38	803,70	1.892,96	2.696,67	233.912,42	114.365,75	166.087,58	280.453,33
105	233.912,42	797,25	1.899,42	2.696,67	232.013,00	115.163,00	167.987,00	283.150,00
106	232.013,00	790,78	1.905,89	2.696,67	230.107,11	115.953,78	169.892,89	285.846,67
107	230.107,11	784,28	1.912,38	2.696,67	228.194,73	116.738,06	171.805,27	288.543,33
108	228.194,73	777,76	1.918,90	2.696,67	226.275,83	117.515,83	173.724,17	291.240,00
109	226.275,83	771,22	1.925,44	2.696,67	224.350,38	118.287,05	175.649,62	293.936,67
110	224.350,38	764,66	1.932,01	2.696,67	222.418,38	119.051,71	177.581,62	296.633,33
111	222.418,38	758,08	1.938,59	2.696,67	220.479,79	119.809,79	179.520,21	299.330,00
112	220.479,79	751,47	1.945,20	2.696,67	218.534,59	120.561,25	181.465,41	302.026,67
113	218.534,59	744,84	1.951,83	2.696,67	216.582,76	121.306,09	183.417,24	304.723,33
114	216.582,76	738,19	1.958,48	2.696,67	214.624,28	122.044,28	185.375,72	307.420,00
115	214.624,28	731,51	1.965,16	2.696,67	212.659,12	122.775,79	187.340,88	310.116,67
116	212.659,12	724,81	1.971,85	2.696,67	210.687,27	123.500,60	189.312,73	312.813,33
117	210.687,27	718,09	1.978,57	2.696,67	208.708,70	124.218,70	191.291,30	315.510,00
118	208.708,70	711,35	1.985,32	2.696,67	206.723,38	124.930,04	193.276,62	318.206,67
119	206.723,38	704,58	1.992,08	2.696,67	204.731,29	125.634,63	195.268,71	320.903,33
120	204.731,29	697,79	1.998,87	2.696,67	202.732,42	126.332,42	197.267,58	323.600,00
121	202.732,42	690,98	2.005,69	2.696,67	200.726,73	127.023,40	199.273,27	326.296,67
122	200.726,73	684,14	2.012,52	2.696,67	198.714,21	127.707,54	201.285,79	328.993,33
123	198.714,21	677,28	2.019,38	2.696,67	196.694,83	128.384,83	203.305,17	331.690,00
124	196.694,83	670,40	2.026,27	2.696,67	194.668,56	129.055,23	205.331,44	334.386,67
125	194.668,56	663,50	2.033,17	2.696,67	192.635,39	129.718,72	207.364,61	337.083,33
126	192.635,39	656,57	2.040,10	2.696,67	190.595,29	130.375,29	209.404,71	339.780,00
127	190.595,29	649,61	2.047,05	2.696,67	188.548,23	131.024,90	211.451,77	342.476,67
128	188.548,23	642,64	2.054,03	2.696,67	186.494,20	131.667,54	213.505,80	345.173,33
129	186.494,20	635,63	2.061,03	2.696,67	184.433,17	132.303,17	215.566,83	347.870,00
130	184.433,17	628,61	2.068,06	2.696,67	182.365,11	132.931,78	217.634,89	350.566,67
131	182.365,11	621,56	2.075,11	2.696,67	180.290,01	133.553,34	219.709,99	353.263,33
132	180.290,01	614,49	2.082,18	2.696,67	178.207,83	134.167,83	221.792,17	355.960,00
133	178.207,83	607,39	2.089,27	2.696,67	176.118,56	134.775,22	223.881,44	358.656,67
134	176.118,56	600,27	2.096,40	2.696,67	174.022,16	135.375,49	225.977,84	361.353,33
135	174.022,16	593,13	2.103,54	2.696,67	171.918,62	135.968,62	228.081,38	364.050,00
136	171.918,62	585,96	2.110,71	2.696,67	169.807,91	136.554,57	230.192,09	366.746,67
137	169.807,91	578,76	2.117,90	2.696,67	167.690,00	137.133,34	232.310,00	369.443,33
138	167.690,00	571,54	2.125,12	2.696,67	165.564,88	137.704,88	234.435,12	372.140,00
139	165.564,88	564,30	2.132,37	2.696,67	163.432,51	138.269,18	236.567,49	374.836,67
140	163.432,51	557,03	2.139,63	2.696,67	161.292,88	138.826,21	238.707,12	377.533,33
141	161.292,88	549,74	2.146,93	2.696,67	159.145,95	139.375,95	240.854,05	380.230,00
142	159.145,95	542,42	2.154,24	2.696,67	156.991,71	139.918,37	243.008,29	382.926,67
143	156.991,71	535,08	2.161,59	2.696,67	154.830,12	140.453,45	245.169,88	385.623,33
144	154.830,12	527,71	2.168,95	2.696,67	152.661,17	140.981,17	247.338,83	388.320,00
145	152.661,17	520,32	2.176,35	2.696,67	150.484,82	141.501,49	249.515,18	391.016,67
146	150.484,82	512,90	2.183,76	2.696,67	148.301,06	142.014,39	251.698,94	393.713,33
147	148.301,06	505,46	2.191,21	2.696,67	146.109,85	142.519,85	253.890,15	396.410,00
148	146.109,85	497,99	2.198,68	2.696,67	143.911,17	143.017,84	256.088,83	399.106,67
149	143.911,17	490,50	2.206,17	2.696,67	141.705,00	143.508,34	258.295,00	401.803,33
150	141.705,00	482,98	2.213,69	2.696,67	139.491,32	143.991,32	260.508,68	404.500,00
151	139.491,32	475,43	2.221,23	2.696,67	137.270,08	144.466,75	262.729,92	407.196,67
152	137.270,08	467,86	2.228,80	2.696,67	135.041,28	144.934,61	264.958,72	409.893,33
153	135.041,28	460,27	2.236,40	2.696,67	132.804,88	145.394,88	267.195,12	412.590,00
154	132.804,88	452,64	2.244,02	2.696,67	130.560,85	145.847,52	269.439,15	415.286,67
155	130.560,85	444,99	2.251,67	2.696,67	128.309,18	146.292,51	271.690,82	417.983,33
156	128.309,18	437,32	2.259,35	2.696,67	126.049,84	146.729,84	273.950,16	420.680,00
157	126.049,84	429,62	2.267,05	2.696,67	123.782,79	147.159,45	276.217,21	423.376,67
158	123.782,79	421,89	2.274,77	2.696,67	121.508,01	147.581,35	278.491,99	426.073,33
159	121.508,01	414,14	2.282,53	2.696,67	119.225,49	147.995,49	280.774,51	428.770,00
160	119.225,49	406,36	2.290,31	2.696,67	116.935,18	148.401,85	283.064,82	431.466,67
161	116.935,18	398,55	2.298,11	2.696,67	114.637,07	148.800,40	285.362,93	434.163,33
162	114.637,07	390,72	2.305,95	2.696,67	112.331,12	149.191,12	287.668,88	436.860,00
163	112.331,12	382,86	2.313,80	2.696,67	110.017,32	149.573,99	289.982,68	439.556,67
164	110.017,32	374,98	2.321,69	2.696,67	107.695,63	149.948,96	292.304,37	442.253,33
165	107.695,63	367,06	2.329,60	2.696,67	105.366,02	150.316,02	294.633,98	444.950,00
166	105.366,02	359,12	2.337,54	2.696,67	103.028,48	150.675,15	296.971,52	447.646,67
167	103.028,48	351,16	2.345,51	2.696,67	100.682,97	151.026,30	299.317,03	450.343,33
168	100.682,97	343,16	2.353,51	2.696,67	98.329,46	151.369,46	301.670,54	453.040,00
169	98.329,46	335,14	2.361,53	2.696,67	95.967,94	151.704,60	304.032,06	455.736,67
170	95.967,94	327,09	2.369,58	2.696,67	93.598,36	152.031,69	306.401,64	458.433,33
171	93.598,36	319,01	2.377,65	2.696,67	91.220,71	152.350,71	308.779,29	461.130,00
172	91.220,71	310,91	2.385,76	2.696,67	88.834,95	152.661,62	311.165,05	463.826,67
173	88.834,95	302,78	2.393,89	2.696,67	86.441,06	152.964,40	313.558,94	466.523,33
174	86.441,06	294,62	2.402,05	2.696,67	84.039,02	153.259,02	315.960,98	469.220,00
175	84.039,02	286,43	2.410,23	2.696,67	81.628,78	153.545,45	318.371,22	471.916,67
176	81.628,78	278,22	2.418,45	2.696,67	79.210,33	153.823,67	320.789,67	474.613,33
177	79.210,33	269,98	2.426,69	2.696,67	76.783,64	154.093,64	323.216,36	477.310,00
178	76.783,64	261,70	2.434,96	2.696,67	74.348,68	154.355,35	325.651,32	480.006,67
179	74.348,68	253,41	2.443,26	2.696,67	71.905,42	154.608,75	328.094,58	482.703,33
180	71.905,42	245,08	2.451,59	2.696,67	69.453,83	154.853,83	330.546,17	485.400,00
181	69.453,83	236,72	2.459,94	2.696,67	66.993,89	155.090,55	333.006,11	488.096,67
182	66.993,89	228,34	2.468,33	2.696,67	64.525,56	155.318,89	335.474,44	490.793,33
183	64.525,56	219,92	2.476,74	2.696,67	62.048,81	155.538,81	337.951,19	493.490,00
184	62.048,81	211,48	2.485,18	2.696,67	59.563,63	155.750,30	340.436,37	496.186,67
185	59.563,63	203,01	2.493,65	2.696,67	57.069,98	155.953,31	342.930,02	498.883,33
186	57.069,98	194,51	2.502,15	2.696,67	54.567,82	156.147,82	345.432,18	501.580,00
187	54.567,82	185,99	2.510,68	2.696,67	52.057,14	156.333,81	347.942,86	504.276,67
188	52.057,14	177,43	2.519,24	2.696,67	49.537,90	156.511,24	350.462,10	506.973,33
189	49.537,90	168,84	2.527,82	2.696,67	47.010,08	156.680,08	352.989,92	509.670,00
190	47.010,08	160,23	2.536,44	2.696,67	44.473,64	156.840,30	355.526,36	512.366,67
191	44.473,64	151,58	2.545,09	2.696,67	41.928,55	156.991,89	358.071,45	515.063,33
192	41.928,55	142,91	2.553,76	2.696,67	39.374,79	157.134,79	360.625,21	517.760,00
193	39.374,79	134,20	2.562,46	2.696,67	36.812,33	157.268,99	363.187,67	520.456,67
194	36.812,33	125,47	2.571,20	2.696,67	34.241,13	157.394,46	365.758,87	523.153,33
195	34.241,13	116,71	2.579,96	2.696,67	31.661,17	157.511,17	368.338,83	525.850,00
196	31.661,17	107,91	2.588,75	2.696,67	29.072,41	157.619,08	370.927,59	528.546,67
197	29.072,41	99,09	2.597,58	2.696,67	26.474,84	157.718,17	373.525,16	531.243,33
198	26.474,84	90,24	2.606,43	2.696,67	23.868,40	157.808,40	376.131,60	533.940,00
199	23.868,40	81,35	2.615,32	2.696,67	21.253,09	157.889,76	378.746,91	536.636,67
200	21.253,09	72,44	2.624,23	2.696,67	18.628,86	157.962,19	381.371,14	539.333,33
201	18.628,86	63,49	2.633,17	2.696,67	15.995,69	158.025,69	384.004,31	542.030,00
202	15.995,69	54,52	2.642,15	2.696,67	13.353,54	158.080,20	386.646,46	544.726,67
203	13.353,54	45,51	2.651,15	2.696,67	10.702,38	158.125,72	389.297,62	547.423,33
204	10.702,38	36,48	2.660,19	2.696,67	8.042,20	158.162,20	391.957,80	550.120,00
205	8.042,20	27,41	2.669,26	2.696,67	5.372,94	158.189,61	394.627,06	552.816,67
206	5.372,94	18,31	2.678,35	2.696,67	2.694,59	158.207,92	397.305,41	555.513,33
207	2.694,59	9,18	2.687,48	2.696,67	7,10	158.217,10	399.992,90	558.210,00
208	7,10	0,02	7,10	7,10	7,10	158.217,13	400.000,00	558.217,13

Baufinanzierung

3.98/5,00

Testsieger

158.831,80€
Zinsanteil

2.703,33€
Monatsrate

4,11%
Sollzins p.a.

4,19%
Effektivzins p.a.

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

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.370,00	1.333,33	2.703,33	398.666,67	1.370,00	1.333,33	2.703,33
2	398.666,67	1.365,43	1.337,90	2.703,33	397.328,77	2.735,43	2.671,23	5.406,67
3	397.328,77	1.360,85	1.342,48	2.703,33	395.986,28	4.096,28	4.013,72	8.110,00
4	395.986,28	1.356,25	1.347,08	2.703,33	394.639,20	5.452,54	5.360,80	10.813,33
5	394.639,20	1.351,64	1.351,69	2.703,33	393.287,51	6.804,18	6.712,49	13.516,67
6	393.287,51	1.347,01	1.356,32	2.703,33	391.931,19	8.151,19	8.068,81	16.220,00
7	391.931,19	1.342,36	1.360,97	2.703,33	390.570,22	9.493,55	9.429,78	18.923,33
8	390.570,22	1.337,70	1.365,63	2.703,33	389.204,59	10.831,25	10.795,41	21.626,67
9	389.204,59	1.333,03	1.370,31	2.703,33	387.834,28	12.164,28	12.165,72	24.330,00
10	387.834,28	1.328,33	1.375,00	2.703,33	386.459,28	13.492,61	13.540,72	27.033,33
11	386.459,28	1.323,62	1.379,71	2.703,33	385.079,57	14.816,23	14.920,43	29.736,67
12	385.079,57	1.318,90	1.384,44	2.703,33	383.695,13	16.135,13	16.304,87	32.440,00
13	383.695,13	1.314,16	1.389,18	2.703,33	382.305,95	17.449,29	17.694,05	35.143,33
14	382.305,95	1.309,40	1.393,94	2.703,33	380.912,02	18.758,69	19.087,98	37.846,67
15	380.912,02	1.304,62	1.398,71	2.703,33	379.513,31	20.063,31	20.486,69	40.550,00
16	379.513,31	1.299,83	1.403,50	2.703,33	378.109,81	21.363,14	21.890,19	43.253,33
17	378.109,81	1.295,03	1.408,31	2.703,33	376.701,50	22.658,17	23.298,50	45.956,67
18	376.701,50	1.290,20	1.413,13	2.703,33	375.288,37	23.948,37	24.711,63	48.660,00
19	375.288,37	1.285,36	1.417,97	2.703,33	373.870,40	25.233,73	26.129,60	51.363,33
20	373.870,40	1.280,51	1.422,83	2.703,33	372.447,57	26.514,24	27.552,43	54.066,67
21	372.447,57	1.275,63	1.427,70	2.703,33	371.019,87	27.789,87	28.980,13	56.770,00
22	371.019,87	1.270,74	1.432,59	2.703,33	369.587,28	29.060,62	30.412,72	59.473,33
23	369.587,28	1.265,84	1.437,50	2.703,33	368.149,79	30.326,45	31.850,21	62.176,67
24	368.149,79	1.260,91	1.442,42	2.703,33	366.707,37	31.587,37	33.292,63	64.880,00
25	366.707,37	1.255,97	1.447,36	2.703,33	365.260,01	32.843,34	34.739,99	67.583,33
26	365.260,01	1.251,02	1.452,32	2.703,33	363.807,69	34.094,35	36.192,31	70.286,67
27	363.807,69	1.246,04	1.457,29	2.703,33	362.350,40	35.340,40	37.649,60	72.990,00
28	362.350,40	1.241,05	1.462,28	2.703,33	360.888,11	36.581,45	39.111,89	75.693,33
29	360.888,11	1.236,04	1.467,29	2.703,33	359.420,82	37.817,49	40.579,18	78.396,67
30	359.420,82	1.231,02	1.472,32	2.703,33	357.948,50	39.048,50	42.051,50	81.100,00
31	357.948,50	1.225,97	1.477,36	2.703,33	356.471,14	40.274,48	43.528,86	83.803,33
32	356.471,14	1.220,91	1.482,42	2.703,33	354.988,72	41.495,39	45.011,28	86.506,67
33	354.988,72	1.215,84	1.487,50	2.703,33	353.501,23	42.711,23	46.498,77	89.210,00
34	353.501,23	1.210,74	1.492,59	2.703,33	352.008,64	43.921,97	47.991,36	91.913,33
35	352.008,64	1.205,63	1.497,70	2.703,33	350.510,93	45.127,60	49.489,07	94.616,67
36	350.510,93	1.200,50	1.502,83	2.703,33	349.008,10	46.328,10	50.991,90	97.320,00
37	349.008,10	1.195,35	1.507,98	2.703,33	347.500,12	47.523,45	52.499,88	100.023,33
38	347.500,12	1.190,19	1.513,15	2.703,33	345.986,97	48.713,64	54.013,03	102.726,67
39	345.986,97	1.185,01	1.518,33	2.703,33	344.468,64	49.898,64	55.531,36	105.430,00
40	344.468,64	1.179,81	1.523,53	2.703,33	342.945,12	51.078,45	57.054,88	108.133,33
41	342.945,12	1.174,59	1.528,75	2.703,33	341.416,37	52.253,04	58.583,63	110.836,67
42	341.416,37	1.169,35	1.533,98	2.703,33	339.882,39	53.422,39	60.117,61	113.540,00
43	339.882,39	1.164,10	1.539,24	2.703,33	338.343,15	54.586,48	61.656,85	116.243,33
44	338.343,15	1.158,83	1.544,51	2.703,33	336.798,64	55.745,31	63.201,36	118.946,67
45	336.798,64	1.153,54	1.549,80	2.703,33	335.248,85	56.898,85	64.751,15	121.650,00
46	335.248,85	1.148,23	1.555,11	2.703,33	333.693,74	58.047,07	66.306,26	124.353,33
47	333.693,74	1.142,90	1.560,43	2.703,33	332.133,31	59.189,97	67.866,69	127.056,67
48	332.133,31	1.137,56	1.565,78	2.703,33	330.567,53	60.327,53	69.432,47	129.760,00
49	330.567,53	1.132,19	1.571,14	2.703,33	328.996,39	61.459,72	71.003,61	132.463,33
50	328.996,39	1.126,81	1.576,52	2.703,33	327.419,87	62.586,54	72.580,13	135.166,67
51	327.419,87	1.121,41	1.581,92	2.703,33	325.837,95	63.707,95	74.162,05	137.870,00
52	325.837,95	1.115,99	1.587,34	2.703,33	324.250,61	64.823,94	75.749,39	140.573,33
53	324.250,61	1.110,56	1.592,77	2.703,33	322.657,84	65.934,50	77.342,16	143.276,67
54	322.657,84	1.105,10	1.598,23	2.703,33	321.059,61	67.039,61	78.940,39	145.980,00
55	321.059,61	1.099,63	1.603,70	2.703,33	319.455,90	68.139,24	80.544,10	148.683,33
56	319.455,90	1.094,14	1.609,20	2.703,33	317.846,71	69.233,37	82.153,29	151.386,67
57	317.846,71	1.088,62	1.614,71	2.703,33	316.232,00	70.322,00	83.768,00	154.090,00
58	316.232,00	1.083,09	1.620,24	2.703,33	314.611,76	71.405,09	85.388,24	156.793,33
59	314.611,76	1.077,55	1.625,79	2.703,33	312.985,97	72.482,64	87.014,03	159.496,67
60	312.985,97	1.071,98	1.631,36	2.703,33	311.354,61	73.554,61	88.645,39	162.200,00
61	311.354,61	1.066,39	1.636,94	2.703,33	309.717,67	74.621,00	90.282,33	164.903,33
62	309.717,67	1.060,78	1.642,55	2.703,33	308.075,12	75.681,79	91.924,88	167.606,67
63	308.075,12	1.055,16	1.648,18	2.703,33	306.426,94	76.736,94	93.573,06	170.310,00
64	306.426,94	1.049,51	1.653,82	2.703,33	304.773,12	77.786,46	95.226,88	173.013,33
65	304.773,12	1.043,85	1.659,49	2.703,33	303.113,64	78.830,30	96.886,36	175.716,67
66	303.113,64	1.038,16	1.665,17	2.703,33	301.448,47	79.868,47	98.551,53	178.420,00
67	301.448,47	1.032,46	1.670,87	2.703,33	299.777,60	80.900,93	100.222,40	181.123,33
68	299.777,60	1.026,74	1.676,60	2.703,33	298.101,00	81.927,67	101.899,00	183.826,67
69	298.101,00	1.021,00	1.682,34	2.703,33	296.418,66	82.948,66	103.581,34	186.530,00
70	296.418,66	1.015,23	1.688,10	2.703,33	294.730,56	83.963,90	105.269,44	189.233,33
71	294.730,56	1.009,45	1.693,88	2.703,33	293.036,68	84.973,35	106.963,32	191.936,67
72	293.036,68	1.003,65	1.699,68	2.703,33	291.337,00	85.977,00	108.663,00	194.640,00
73	291.337,00	997,83	1.705,50	2.703,33	289.631,50	86.974,83	110.368,50	197.343,33
74	289.631,50	991,99	1.711,35	2.703,33	287.920,15	87.966,82	112.079,85	200.046,67
75	287.920,15	986,13	1.717,21	2.703,33	286.202,94	88.952,94	113.797,06	202.750,00
76	286.202,94	980,25	1.723,09	2.703,33	284.479,86	89.933,19	115.520,14	205.453,33
77	284.479,86	974,34	1.728,99	2.703,33	282.750,87	90.907,53	117.249,13	208.156,67
78	282.750,87	968,42	1.734,91	2.703,33	281.015,95	91.875,95	118.984,05	210.860,00
79	281.015,95	962,48	1.740,85	2.703,33	279.275,10	92.838,43	120.724,90	213.563,33
80	279.275,10	956,52	1.746,82	2.703,33	277.528,28	93.794,95	122.471,72	216.266,67
81	277.528,28	950,53	1.752,80	2.703,33	275.775,49	94.745,49	124.224,51	218.970,00
82	275.775,49	944,53	1.758,80	2.703,33	274.016,68	95.690,02	125.983,32	221.673,33
83	274.016,68	938,51	1.764,83	2.703,33	272.251,86	96.628,52	127.748,14	224.376,67
84	272.251,86	932,46	1.770,87	2.703,33	270.480,99	97.560,99	129.519,01	227.080,00
85	270.480,99	926,40	1.776,94	2.703,33	268.704,05	98.487,38	131.295,95	229.783,33
86	268.704,05	920,31	1.783,02	2.703,33	266.921,03	99.407,69	133.078,97	232.486,67
87	266.921,03	914,20	1.789,13	2.703,33	265.131,90	100.321,90	134.868,10	235.190,00
88	265.131,90	908,08	1.795,26	2.703,33	263.336,64	101.229,98	136.663,36	237.893,33
89	263.336,64	901,93	1.801,41	2.703,33	261.535,24	102.131,90	138.464,76	240.596,67
90	261.535,24	895,76	1.807,58	2.703,33	259.727,66	103.027,66	140.272,34	243.300,00
91	259.727,66	889,57	1.813,77	2.703,33	257.913,90	103.917,23	142.086,10	246.003,33
92	257.913,90	883,36	1.819,98	2.703,33	256.093,92	104.800,58	143.906,08	248.706,67
93	256.093,92	877,12	1.826,21	2.703,33	254.267,71	105.677,71	145.732,29	251.410,00
94	254.267,71	870,87	1.832,47	2.703,33	252.435,24	106.548,57	147.564,76	254.113,33
95	252.435,24	864,59	1.838,74	2.703,33	250.596,50	107.413,16	149.403,50	256.816,67
96	250.596,50	858,29	1.845,04	2.703,33	248.751,46	108.271,46	151.248,54	259.520,00
97	248.751,46	851,97	1.851,36	2.703,33	246.900,10	109.123,43	153.099,90	262.223,33
98	246.900,10	845,63	1.857,70	2.703,33	245.042,40	109.969,06	154.957,60	264.926,67
99	245.042,40	839,27	1.864,06	2.703,33	243.178,33	110.808,33	156.821,67	267.630,00
100	243.178,33	832,89	1.870,45	2.703,33	241.307,89	111.641,22	158.692,11	270.333,33
101	241.307,89	826,48	1.876,85	2.703,33	239.431,03	112.467,70	160.568,97	273.036,67
102	239.431,03	820,05	1.883,28	2.703,33	237.547,75	113.287,75	162.452,25	275.740,00
103	237.547,75	813,60	1.889,73	2.703,33	235.658,02	114.101,35	164.341,98	278.443,33
104	235.658,02	807,13	1.896,20	2.703,33	233.761,81	114.908,48	166.238,19	281.146,67
105	233.761,81	800,63	1.902,70	2.703,33	231.859,11	115.709,11	168.140,89	283.850,00
106	231.859,11	794,12	1.909,22	2.703,33	229.949,90	116.503,23	170.050,10	286.553,33
107	229.949,90	787,58	1.915,75	2.703,33	228.034,14	117.290,81	171.965,86	289.256,67
108	228.034,14	781,02	1.922,32	2.703,33	226.111,83	118.071,83	173.888,17	291.960,00
109	226.111,83	774,43	1.928,90	2.703,33	224.182,93	118.846,26	175.817,07	294.663,33
110	224.182,93	767,83	1.935,51	2.703,33	222.247,42	119.614,09	177.752,58	297.366,67
111	222.247,42	761,20	1.942,14	2.703,33	220.305,28	120.375,28	179.694,72	300.070,00
112	220.305,28	754,55	1.948,79	2.703,33	218.356,50	121.129,83	181.643,50	302.773,33
113	218.356,50	747,87	1.955,46	2.703,33	216.401,03	121.877,70	183.598,97	305.476,67
114	216.401,03	741,17	1.962,16	2.703,33	214.438,87	122.618,87	185.561,13	308.180,00
115	214.438,87	734,45	1.968,88	2.703,33	212.469,99	123.353,33	187.530,01	310.883,33
116	212.469,99	727,71	1.975,62	2.703,33	210.494,37	124.081,04	189.505,63	313.586,67
117	210.494,37	720,94	1.982,39	2.703,33	208.511,98	124.801,98	191.488,02	316.290,00
118	208.511,98	714,15	1.989,18	2.703,33	206.522,80	125.516,13	193.477,20	318.993,33
119	206.522,80	707,34	1.995,99	2.703,33	204.526,81	126.223,47	195.473,19	321.696,67
120	204.526,81	700,50	2.002,83	2.703,33	202.523,98	126.923,98	197.476,02	324.400,00
121	202.523,98	693,64	2.009,69	2.703,33	200.514,29	127.617,62	199.485,71	327.103,33
122	200.514,29	686,76	2.016,57	2.703,33	198.497,72	128.304,38	201.502,28	329.806,67
123	198.497,72	679,85	2.023,48	2.703,33	196.474,24	128.984,24	203.525,76	332.510,00
124	196.474,24	672,92	2.030,41	2.703,33	194.443,83	129.657,16	205.556,17	335.213,33
125	194.443,83	665,97	2.037,36	2.703,33	192.406,47	130.323,13	207.593,53	337.916,67
126	192.406,47	658,99	2.044,34	2.703,33	190.362,13	130.982,13	209.637,87	340.620,00
127	190.362,13	651,99	2.051,34	2.703,33	188.310,78	131.634,12	211.689,22	343.323,33
128	188.310,78	644,96	2.058,37	2.703,33	186.252,41	132.279,08	213.747,59	346.026,67
129	186.252,41	637,91	2.065,42	2.703,33	184.187,00	132.917,00	215.813,00	348.730,00
130	184.187,00	630,84	2.072,49	2.703,33	182.114,50	133.547,84	217.885,50	351.433,33
131	182.114,50	623,74	2.079,59	2.703,33	180.034,91	134.171,58	219.965,09	354.136,67
132	180.034,91	616,62	2.086,71	2.703,33	177.948,20	134.788,20	222.051,80	356.840,00
133	177.948,20	609,47	2.093,86	2.703,33	175.854,34	135.397,67	224.145,66	359.543,33
134	175.854,34	602,30	2.101,03	2.703,33	173.753,30	135.999,97	226.246,70	362.246,67
135	173.753,30	595,11	2.108,23	2.703,33	171.645,08	136.595,08	228.354,92	364.950,00
136	171.645,08	587,88	2.115,45	2.703,33	169.529,63	137.182,96	230.470,37	367.653,33
137	169.529,63	580,64	2.122,69	2.703,33	167.406,93	137.763,60	232.593,07	370.356,67
138	167.406,93	573,37	2.129,96	2.703,33	165.276,97	138.336,97	234.723,03	373.060,00
139	165.276,97	566,07	2.137,26	2.703,33	163.139,71	138.903,04	236.860,29	375.763,33
140	163.139,71	558,75	2.144,58	2.703,33	160.995,13	139.461,80	239.004,87	378.466,67
141	160.995,13	551,41	2.151,93	2.703,33	158.843,20	140.013,20	241.156,80	381.170,00
142	158.843,20	544,04	2.159,30	2.703,33	156.683,91	140.557,24	243.316,09	383.873,33
143	156.683,91	536,64	2.166,69	2.703,33	154.517,22	141.093,88	245.482,78	386.576,67
144	154.517,22	529,22	2.174,11	2.703,33	152.343,11	141.623,11	247.656,89	389.280,00
145	152.343,11	521,78	2.181,56	2.703,33	150.161,55	142.144,88	249.838,45	391.983,33
146	150.161,55	514,30	2.189,03	2.703,33	147.972,52	142.659,18	252.027,48	394.686,67
147	147.972,52	506,81	2.196,53	2.703,33	145.775,99	143.165,99	254.224,01	397.390,00
148	145.775,99	499,28	2.204,05	2.703,33	143.571,94	143.665,27	256.428,06	400.093,33
149	143.571,94	491,73	2.211,60	2.703,33	141.360,34	144.157,01	258.639,66	402.796,67
150	141.360,34	484,16	2.219,17	2.703,33	139.141,17	144.641,17	260.858,83	405.500,00
151	139.141,17	476,56	2.226,77	2.703,33	136.914,39	145.117,72	263.085,61	408.203,33
152	136.914,39	468,93	2.234,40	2.703,33	134.679,99	145.586,66	265.320,01	410.906,67
153	134.679,99	461,28	2.242,05	2.703,33	132.437,93	146.047,93	267.562,07	413.610,00
154	132.437,93	453,60	2.249,73	2.703,33	130.188,20	146.501,53	269.811,80	416.313,33
155	130.188,20	445,89	2.257,44	2.703,33	127.930,76	146.947,43	272.069,24	419.016,67
156	127.930,76	438,16	2.265,17	2.703,33	125.665,59	147.385,59	274.334,41	421.720,00
157	125.665,59	430,40	2.272,93	2.703,33	123.392,66	147.816,00	276.607,34	424.423,33
158	123.392,66	422,62	2.280,71	2.703,33	121.111,95	148.238,62	278.888,05	427.126,67
159	121.111,95	414,81	2.288,52	2.703,33	118.823,43	148.653,43	281.176,57	429.830,00
160	118.823,43	406,97	2.296,36	2.703,33	116.527,06	149.060,40	283.472,94	432.533,33
161	116.527,06	399,11	2.304,23	2.703,33	114.222,83	149.459,50	285.777,17	435.236,67
162	114.222,83	391,21	2.312,12	2.703,33	111.910,71	149.850,71	288.089,29	437.940,00
163	111.910,71	383,29	2.320,04	2.703,33	109.590,67	150.234,01	290.409,33	440.643,33
164	109.590,67	375,35	2.327,99	2.703,33	107.262,69	150.609,36	292.737,31	443.346,67
165	107.262,69	367,37	2.335,96	2.703,33	104.926,73	150.976,73	295.073,27	446.050,00
166	104.926,73	359,37	2.343,96	2.703,33	102.582,77	151.336,10	297.417,23	448.753,33
167	102.582,77	351,35	2.351,99	2.703,33	100.230,78	151.687,45	299.769,22	451.456,67
168	100.230,78	343,29	2.360,04	2.703,33	97.870,74	152.030,74	302.129,26	454.160,00
169	97.870,74	335,21	2.368,13	2.703,33	95.502,62	152.365,95	304.497,38	456.863,33
170	95.502,62	327,10	2.376,24	2.703,33	93.126,38	152.693,04	306.873,62	459.566,67
171	93.126,38	318,96	2.384,38	2.703,33	90.742,00	153.012,00	309.258,00	462.270,00
172	90.742,00	310,79	2.392,54	2.703,33	88.349,46	153.322,79	311.650,54	464.973,33
173	88.349,46	302,60	2.400,74	2.703,33	85.948,72	153.625,39	314.051,28	467.676,67
174	85.948,72	294,37	2.408,96	2.703,33	83.539,77	153.919,77	316.460,23	470.380,00
175	83.539,77	286,12	2.417,21	2.703,33	81.122,56	154.205,89	318.877,44	473.083,33
176	81.122,56	277,84	2.425,49	2.703,33	78.697,07	154.483,73	321.302,93	475.786,67
177	78.697,07	269,54	2.433,80	2.703,33	76.263,27	154.753,27	323.736,73	478.490,00
178	76.263,27	261,20	2.442,13	2.703,33	73.821,14	155.014,47	326.178,86	481.193,33
179	73.821,14	252,84	2.450,50	2.703,33	71.370,64	155.267,31	328.629,36	483.896,67
180	71.370,64	244,44	2.458,89	2.703,33	68.911,75	155.511,75	331.088,25	486.600,00
181	68.911,75	236,02	2.467,31	2.703,33	66.444,44	155.747,78	333.555,56	489.303,33
182	66.444,44	227,57	2.475,76	2.703,33	63.968,68	155.975,35	336.031,32	492.006,67
183	63.968,68	219,09	2.484,24	2.703,33	61.484,44	156.194,44	338.515,56	494.710,00
184	61.484,44	210,58	2.492,75	2.703,33	58.991,69	156.405,03	341.008,31	497.413,33
185	58.991,69	202,05	2.501,29	2.703,33	56.490,41	156.607,07	343.509,59	500.116,67
186	56.490,41	193,48	2.509,85	2.703,33	53.980,55	156.800,55	346.019,45	502.820,00
187	53.980,55	184,88	2.518,45	2.703,33	51.462,10	156.985,44	348.537,90	505.523,33
188	51.462,10	176,26	2.527,08	2.703,33	48.935,03	157.161,69	351.064,97	508.226,67
189	48.935,03	167,60	2.535,73	2.703,33	46.399,30	157.329,30	353.600,70	510.930,00
190	46.399,30	158,92	2.544,42	2.703,33	43.854,88	157.488,21	356.145,12	513.633,33
191	43.854,88	150,20	2.553,13	2.703,33	41.301,75	157.638,42	358.698,25	516.336,67
192	41.301,75	141,46	2.561,87	2.703,33	38.739,88	157.779,88	361.260,12	519.040,00
193	38.739,88	132,68	2.570,65	2.703,33	36.169,23	157.912,56	363.830,77	521.743,33
194	36.169,23	123,88	2.579,45	2.703,33	33.589,77	158.036,44	366.410,23	524.446,67
195	33.589,77	115,04	2.588,29	2.703,33	31.001,48	158.151,48	368.998,52	527.150,00
196	31.001,48	106,18	2.597,15	2.703,33	28.404,33	158.257,66	371.595,67	529.853,33
197	28.404,33	97,28	2.606,05	2.703,33	25.798,28	158.354,95	374.201,72	532.556,67
198	25.798,28	88,36	2.614,97	2.703,33	23.183,31	158.443,31	376.816,69	535.260,00
199	23.183,31	79,40	2.623,93	2.703,33	20.559,38	158.522,71	379.440,62	537.963,33
200	20.559,38	70,42	2.632,92	2.703,33	17.926,46	158.593,13	382.073,54	540.666,67
201	17.926,46	61,40	2.641,94	2.703,33	15.284,53	158.654,53	384.715,47	543.370,00
202	15.284,53	52,35	2.650,98	2.703,33	12.633,54	158.706,87	387.366,46	546.073,33
203	12.633,54	43,27	2.660,06	2.703,33	9.973,48	158.750,14	390.026,52	548.776,67
204	9.973,48	34,16	2.669,17	2.703,33	7.304,30	158.784,30	392.695,70	551.480,00
205	7.304,30	25,02	2.678,32	2.703,33	4.625,99	158.809,32	395.374,01	554.183,33
206	4.625,99	15,84	2.687,49	2.703,33	1.938,50	158.825,16	398.061,50	556.886,67
207	1.938,50	6,64	1.938,50	1.938,50	1.938,50	158.831,80	400.000,00	558.831,80

Baufinanzierung

3.95/5,00

160.360,51€
Zinsanteil

2.720,00€
Monatsrate

4,16%
Sollzins p.a.

4,26%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 350.000,00 €;Kreditrate: 1.662,50 €;Gesamtbetrag: 199.500,00 €;Anzahl Kreditraten: 120;Laufzeit: 342 Monate;Effektiver Jahreszins: 3,79 %;Gebundener Sollzins: 3,70 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.386,67	1.333,33	2.720,00	398.666,67	1.386,67	1.333,33	2.720,00
2	398.666,67	1.382,04	1.337,96	2.720,00	397.328,71	2.768,71	2.671,29	5.440,00
3	397.328,71	1.377,41	1.342,59	2.720,00	395.986,12	4.146,12	4.013,88	8.160,00
4	395.986,12	1.372,75	1.347,25	2.720,00	394.638,87	5.518,87	5.361,13	10.880,00
5	394.638,87	1.368,08	1.351,92	2.720,00	393.286,95	6.886,95	6.713,05	13.600,00
6	393.286,95	1.363,39	1.356,61	2.720,00	391.930,35	8.250,35	8.069,65	16.320,00
7	391.930,35	1.358,69	1.361,31	2.720,00	390.569,04	9.609,04	9.430,96	19.040,00
8	390.569,04	1.353,97	1.366,03	2.720,00	389.203,01	10.963,01	10.796,99	21.760,00
9	389.203,01	1.349,24	1.370,76	2.720,00	387.832,25	12.312,25	12.167,75	24.480,00
10	387.832,25	1.344,49	1.375,51	2.720,00	386.456,73	13.656,73	13.543,27	27.200,00
11	386.456,73	1.339,72	1.380,28	2.720,00	385.076,45	14.996,45	14.923,55	29.920,00
12	385.076,45	1.334,93	1.385,07	2.720,00	383.691,38	16.331,38	16.308,62	32.640,00
13	383.691,38	1.330,13	1.389,87	2.720,00	382.301,51	17.661,51	17.698,49	35.360,00
14	382.301,51	1.325,31	1.394,69	2.720,00	380.906,82	18.986,82	19.093,18	38.080,00
15	380.906,82	1.320,48	1.399,52	2.720,00	379.507,30	20.307,30	20.492,70	40.800,00
16	379.507,30	1.315,63	1.404,37	2.720,00	378.102,92	21.622,92	21.897,08	43.520,00
17	378.102,92	1.310,76	1.409,24	2.720,00	376.693,68	22.933,68	23.306,32	46.240,00
18	376.693,68	1.305,87	1.414,13	2.720,00	375.279,55	24.239,55	24.720,45	48.960,00
19	375.279,55	1.300,97	1.419,03	2.720,00	373.860,52	25.540,52	26.139,48	51.680,00
20	373.860,52	1.296,05	1.423,95	2.720,00	372.436,57	26.836,57	27.563,43	54.400,00
21	372.436,57	1.291,11	1.428,89	2.720,00	371.007,69	28.127,69	28.992,31	57.120,00
22	371.007,69	1.286,16	1.433,84	2.720,00	369.573,85	29.413,85	30.426,15	59.840,00
23	369.573,85	1.281,19	1.438,81	2.720,00	368.135,03	30.695,03	31.864,97	62.560,00
24	368.135,03	1.276,20	1.443,80	2.720,00	366.691,24	31.971,24	33.308,76	65.280,00
25	366.691,24	1.271,20	1.448,80	2.720,00	365.242,43	33.242,43	34.757,57	68.000,00
26	365.242,43	1.266,17	1.453,83	2.720,00	363.788,61	34.508,61	36.211,39	70.720,00
27	363.788,61	1.261,13	1.458,87	2.720,00	362.329,74	35.769,74	37.670,26	73.440,00
28	362.329,74	1.256,08	1.463,92	2.720,00	360.865,82	37.025,82	39.134,18	76.160,00
29	360.865,82	1.251,00	1.469,00	2.720,00	359.396,82	38.276,82	40.603,18	78.880,00
30	359.396,82	1.245,91	1.474,09	2.720,00	357.922,73	39.522,73	42.077,27	81.600,00
31	357.922,73	1.240,80	1.479,20	2.720,00	356.443,53	40.763,53	43.556,47	84.320,00
32	356.443,53	1.235,67	1.484,33	2.720,00	354.959,20	41.999,20	45.040,80	87.040,00
33	354.959,20	1.230,53	1.489,47	2.720,00	353.469,72	43.229,72	46.530,28	89.760,00
34	353.469,72	1.225,36	1.494,64	2.720,00	351.975,08	44.455,08	48.024,92	92.480,00
35	351.975,08	1.220,18	1.499,82	2.720,00	350.475,26	45.675,26	49.524,74	95.200,00
36	350.475,26	1.214,98	1.505,02	2.720,00	348.970,24	46.890,24	51.029,76	97.920,00
37	348.970,24	1.209,76	1.510,24	2.720,00	347.460,01	48.100,01	52.539,99	100.640,00
38	347.460,01	1.204,53	1.515,47	2.720,00	345.944,54	49.304,54	54.055,46	103.360,00
39	345.944,54	1.199,27	1.520,73	2.720,00	344.423,81	50.503,81	55.576,19	106.080,00
40	344.423,81	1.194,00	1.526,00	2.720,00	342.897,81	51.697,81	57.102,19	108.800,00
41	342.897,81	1.188,71	1.531,29	2.720,00	341.366,53	52.886,53	58.633,47	111.520,00
42	341.366,53	1.183,40	1.536,60	2.720,00	339.829,93	54.069,93	60.170,07	114.240,00
43	339.829,93	1.178,08	1.541,92	2.720,00	338.288,01	55.248,01	61.711,99	116.960,00
44	338.288,01	1.172,73	1.547,27	2.720,00	336.740,74	56.420,74	63.259,26	119.680,00
45	336.740,74	1.167,37	1.552,63	2.720,00	335.188,11	57.588,11	64.811,89	122.400,00
46	335.188,11	1.161,99	1.558,01	2.720,00	333.630,09	58.750,09	66.369,91	125.120,00
47	333.630,09	1.156,58	1.563,42	2.720,00	332.066,68	59.906,68	67.933,32	127.840,00
48	332.066,68	1.151,16	1.568,84	2.720,00	330.497,84	61.057,84	69.502,16	130.560,00
49	330.497,84	1.145,73	1.574,27	2.720,00	328.923,57	62.203,57	71.076,43	133.280,00
50	328.923,57	1.140,27	1.579,73	2.720,00	327.343,83	63.343,83	72.656,17	136.000,00
51	327.343,83	1.134,79	1.585,21	2.720,00	325.758,63	64.478,63	74.241,37	138.720,00
52	325.758,63	1.129,30	1.590,70	2.720,00	324.167,92	65.607,92	75.832,08	141.440,00
53	324.167,92	1.123,78	1.596,22	2.720,00	322.571,71	66.731,71	77.428,29	144.160,00
54	322.571,71	1.118,25	1.601,75	2.720,00	320.969,95	67.849,95	79.030,05	146.880,00
55	320.969,95	1.112,70	1.607,30	2.720,00	319.362,65	68.962,65	80.637,35	149.600,00
56	319.362,65	1.107,12	1.612,88	2.720,00	317.749,77	70.069,77	82.250,23	152.320,00
57	317.749,77	1.101,53	1.618,47	2.720,00	316.131,31	71.171,31	83.868,69	155.040,00
58	316.131,31	1.095,92	1.624,08	2.720,00	314.507,23	72.267,23	85.492,77	157.760,00
59	314.507,23	1.090,29	1.629,71	2.720,00	312.877,52	73.357,52	87.122,48	160.480,00
60	312.877,52	1.084,64	1.635,36	2.720,00	311.242,16	74.442,16	88.757,84	163.200,00
61	311.242,16	1.078,97	1.641,03	2.720,00	309.601,13	75.521,13	90.398,87	165.920,00
62	309.601,13	1.073,28	1.646,72	2.720,00	307.954,42	76.594,42	92.045,58	168.640,00
63	307.954,42	1.067,58	1.652,42	2.720,00	306.301,99	77.661,99	93.698,01	171.360,00
64	306.301,99	1.061,85	1.658,15	2.720,00	304.643,84	78.723,84	95.356,16	174.080,00
65	304.643,84	1.056,10	1.663,90	2.720,00	302.979,94	79.779,94	97.020,06	176.800,00
66	302.979,94	1.050,33	1.669,67	2.720,00	301.310,27	80.830,27	98.689,73	179.520,00
67	301.310,27	1.044,54	1.675,46	2.720,00	299.634,81	81.874,81	100.365,19	182.240,00
68	299.634,81	1.038,73	1.681,27	2.720,00	297.953,55	82.913,55	102.046,45	184.960,00
69	297.953,55	1.032,91	1.687,09	2.720,00	296.266,45	83.946,45	103.733,55	187.680,00
70	296.266,45	1.027,06	1.692,94	2.720,00	294.573,51	84.973,51	105.426,49	190.400,00
71	294.573,51	1.021,19	1.698,81	2.720,00	292.874,70	85.994,70	107.125,30	193.120,00
72	292.874,70	1.015,30	1.704,70	2.720,00	291.170,00	87.010,00	108.830,00	195.840,00
73	291.170,00	1.009,39	1.710,61	2.720,00	289.459,39	88.019,39	110.540,61	198.560,00
74	289.459,39	1.003,46	1.716,54	2.720,00	287.742,84	89.022,84	112.257,16	201.280,00
75	287.742,84	997,51	1.722,49	2.720,00	286.020,35	90.020,35	113.979,65	204.000,00
76	286.020,35	991,54	1.728,46	2.720,00	284.291,89	91.011,89	115.708,11	206.720,00
77	284.291,89	985,55	1.734,45	2.720,00	282.557,44	91.997,44	117.442,56	209.440,00
78	282.557,44	979,53	1.740,47	2.720,00	280.816,97	92.976,97	119.183,03	212.160,00
79	280.816,97	973,50	1.746,50	2.720,00	279.070,47	93.950,47	120.929,53	214.880,00
80	279.070,47	967,44	1.752,56	2.720,00	277.317,91	94.917,91	122.682,09	217.600,00
81	277.317,91	961,37	1.758,63	2.720,00	275.559,28	95.879,28	124.440,72	220.320,00
82	275.559,28	955,27	1.764,73	2.720,00	273.794,55	96.834,55	126.205,45	223.040,00
83	273.794,55	949,15	1.770,85	2.720,00	272.023,71	97.783,71	127.976,29	225.760,00
84	272.023,71	943,02	1.776,98	2.720,00	270.246,72	98.726,72	129.753,28	228.480,00
85	270.246,72	936,86	1.783,14	2.720,00	268.463,58	99.663,58	131.536,42	231.200,00
86	268.463,58	930,67	1.789,33	2.720,00	266.674,25	100.594,25	133.325,75	233.920,00
87	266.674,25	924,47	1.795,53	2.720,00	264.878,72	101.518,72	135.121,28	236.640,00
88	264.878,72	918,25	1.801,75	2.720,00	263.076,97	102.436,97	136.923,03	239.360,00
89	263.076,97	912,00	1.808,00	2.720,00	261.268,97	103.348,97	138.731,03	242.080,00
90	261.268,97	905,73	1.814,27	2.720,00	259.454,70	104.254,70	140.545,30	244.800,00
91	259.454,70	899,44	1.820,56	2.720,00	257.634,14	105.154,14	142.365,86	247.520,00
92	257.634,14	893,13	1.826,87	2.720,00	255.807,28	106.047,28	144.192,72	250.240,00
93	255.807,28	886,80	1.833,20	2.720,00	253.974,07	106.934,07	146.025,93	252.960,00
94	253.974,07	880,44	1.839,56	2.720,00	252.134,52	107.814,52	147.865,48	255.680,00
95	252.134,52	874,07	1.845,93	2.720,00	250.288,58	108.688,58	149.711,42	258.400,00
96	250.288,58	867,67	1.852,33	2.720,00	248.436,25	109.556,25	151.563,75	261.120,00
97	248.436,25	861,25	1.858,75	2.720,00	246.577,50	110.417,50	153.422,50	263.840,00
98	246.577,50	854,80	1.865,20	2.720,00	244.712,30	111.272,30	155.287,70	266.560,00
99	244.712,30	848,34	1.871,66	2.720,00	242.840,63	112.120,63	157.159,37	269.280,00
100	242.840,63	841,85	1.878,15	2.720,00	240.962,48	112.962,48	159.037,52	272.000,00
101	240.962,48	835,34	1.884,66	2.720,00	239.077,82	113.797,82	160.922,18	274.720,00
102	239.077,82	828,80	1.891,20	2.720,00	237.186,62	114.626,62	162.813,38	277.440,00
103	237.186,62	822,25	1.897,75	2.720,00	235.288,87	115.448,87	164.711,13	280.160,00
104	235.288,87	815,67	1.904,33	2.720,00	233.384,54	116.264,54	166.615,46	282.880,00
105	233.384,54	809,07	1.910,93	2.720,00	231.473,60	117.073,60	168.526,40	285.600,00
106	231.473,60	802,44	1.917,56	2.720,00	229.556,04	117.876,04	170.443,96	288.320,00
107	229.556,04	795,79	1.924,21	2.720,00	227.631,84	118.671,84	172.368,16	291.040,00
108	227.631,84	789,12	1.930,88	2.720,00	225.700,96	119.460,96	174.299,04	293.760,00
109	225.700,96	782,43	1.937,57	2.720,00	223.763,39	120.243,39	176.236,61	296.480,00
110	223.763,39	775,71	1.944,29	2.720,00	221.819,11	121.019,11	178.180,89	299.200,00
111	221.819,11	768,97	1.951,03	2.720,00	219.868,08	121.788,08	180.131,92	301.920,00
112	219.868,08	762,21	1.957,79	2.720,00	217.910,29	122.550,29	182.089,71	304.640,00
113	217.910,29	755,42	1.964,58	2.720,00	215.945,71	123.305,71	184.054,29	307.360,00
114	215.945,71	748,61	1.971,39	2.720,00	213.974,32	124.054,32	186.025,68	310.080,00
115	213.974,32	741,78	1.978,22	2.720,00	211.996,10	124.796,10	188.003,90	312.800,00
116	211.996,10	734,92	1.985,08	2.720,00	210.011,02	125.531,02	189.988,98	315.520,00
117	210.011,02	728,04	1.991,96	2.720,00	208.019,06	126.259,06	191.980,94	318.240,00
118	208.019,06	721,13	1.998,87	2.720,00	206.020,19	126.980,19	193.979,81	320.960,00
119	206.020,19	714,20	2.005,80	2.720,00	204.014,39	127.694,39	195.985,61	323.680,00
120	204.014,39	707,25	2.012,75	2.720,00	202.001,64	128.401,64	197.998,36	326.400,00
121	202.001,64	700,27	2.019,73	2.720,00	199.981,92	129.101,92	200.018,08	329.120,00
122	199.981,92	693,27	2.026,73	2.720,00	197.955,19	129.795,19	202.044,81	331.840,00
123	197.955,19	686,24	2.033,76	2.720,00	195.921,43	130.481,43	204.078,57	334.560,00
124	195.921,43	679,19	2.040,81	2.720,00	193.880,63	131.160,63	206.119,37	337.280,00
125	193.880,63	672,12	2.047,88	2.720,00	191.832,75	131.832,75	208.167,25	340.000,00
126	191.832,75	665,02	2.054,98	2.720,00	189.777,77	132.497,77	210.222,23	342.720,00
127	189.777,77	657,90	2.062,10	2.720,00	187.715,66	133.155,66	212.284,34	345.440,00
128	187.715,66	650,75	2.069,25	2.720,00	185.646,41	133.806,41	214.353,59	348.160,00
129	185.646,41	643,57	2.076,43	2.720,00	183.569,98	134.449,98	216.430,02	350.880,00
130	183.569,98	636,38	2.083,62	2.720,00	181.486,36	135.086,36	218.513,64	353.600,00
131	181.486,36	629,15	2.090,85	2.720,00	179.395,51	135.715,51	220.604,49	356.320,00
132	179.395,51	621,90	2.098,10	2.720,00	177.297,42	136.337,42	222.702,58	359.040,00
133	177.297,42	614,63	2.105,37	2.720,00	175.192,05	136.952,05	224.807,95	361.760,00
134	175.192,05	607,33	2.112,67	2.720,00	173.079,38	137.559,38	226.920,62	364.480,00
135	173.079,38	600,01	2.119,99	2.720,00	170.959,39	138.159,39	229.040,61	367.200,00
136	170.959,39	592,66	2.127,34	2.720,00	168.832,05	138.752,05	231.167,95	369.920,00
137	168.832,05	585,28	2.134,72	2.720,00	166.697,33	139.337,33	233.302,67	372.640,00
138	166.697,33	577,88	2.142,12	2.720,00	164.555,22	139.915,22	235.444,78	375.360,00
139	164.555,22	570,46	2.149,54	2.720,00	162.405,67	140.485,67	237.594,33	378.080,00
140	162.405,67	563,01	2.156,99	2.720,00	160.248,68	141.048,68	239.751,32	380.800,00
141	160.248,68	555,53	2.164,47	2.720,00	158.084,21	141.604,21	241.915,79	383.520,00
142	158.084,21	548,03	2.171,97	2.720,00	155.912,23	142.152,23	244.087,77	386.240,00
143	155.912,23	540,50	2.179,50	2.720,00	153.732,73	142.692,73	246.267,27	388.960,00
144	153.732,73	532,94	2.187,06	2.720,00	151.545,67	143.225,67	248.454,33	391.680,00
145	151.545,67	525,36	2.194,64	2.720,00	149.351,03	143.751,03	250.648,97	394.400,00
146	149.351,03	517,75	2.202,25	2.720,00	147.148,78	144.268,78	252.851,22	397.120,00
147	147.148,78	510,12	2.209,88	2.720,00	144.938,90	144.778,90	255.061,10	399.840,00
148	144.938,90	502,45	2.217,55	2.720,00	142.721,35	145.281,35	257.278,65	402.560,00
149	142.721,35	494,77	2.225,23	2.720,00	140.496,12	145.776,12	259.503,88	405.280,00
150	140.496,12	487,05	2.232,95	2.720,00	138.263,17	146.263,17	261.736,83	408.000,00
151	138.263,17	479,31	2.240,69	2.720,00	136.022,48	146.742,48	263.977,52	410.720,00
152	136.022,48	471,54	2.248,46	2.720,00	133.774,03	147.214,03	266.225,97	413.440,00
153	133.774,03	463,75	2.256,25	2.720,00	131.517,78	147.677,78	268.482,22	416.160,00
154	131.517,78	455,93	2.264,07	2.720,00	129.253,71	148.133,71	270.746,29	418.880,00
155	129.253,71	448,08	2.271,92	2.720,00	126.981,79	148.581,79	273.018,21	421.600,00
156	126.981,79	440,20	2.279,80	2.720,00	124.701,99	149.021,99	275.298,01	424.320,00
157	124.701,99	432,30	2.287,70	2.720,00	122.414,29	149.454,29	277.585,71	427.040,00
158	122.414,29	424,37	2.295,63	2.720,00	120.118,66	149.878,66	279.881,34	429.760,00
159	120.118,66	416,41	2.303,59	2.720,00	117.815,07	150.295,07	282.184,93	432.480,00
160	117.815,07	408,43	2.311,57	2.720,00	115.503,50	150.703,50	284.496,50	435.200,00
161	115.503,50	400,41	2.319,59	2.720,00	113.183,91	151.103,91	286.816,09	437.920,00
162	113.183,91	392,37	2.327,63	2.720,00	110.856,28	151.496,28	289.143,72	440.640,00
163	110.856,28	384,30	2.335,70	2.720,00	108.520,58	151.880,58	291.479,42	443.360,00
164	108.520,58	376,20	2.343,80	2.720,00	106.176,78	152.256,78	293.823,22	446.080,00
165	106.176,78	368,08	2.351,92	2.720,00	103.824,86	152.624,86	296.175,14	448.800,00
166	103.824,86	359,93	2.360,07	2.720,00	101.464,79	152.984,79	298.535,21	451.520,00
167	101.464,79	351,74	2.368,26	2.720,00	99.096,54	153.336,54	300.903,46	454.240,00
168	99.096,54	343,53	2.376,47	2.720,00	96.720,07	153.680,07	303.279,93	456.960,00
169	96.720,07	335,30	2.384,70	2.720,00	94.335,37	154.015,37	305.664,63	459.680,00
170	94.335,37	327,03	2.392,97	2.720,00	91.942,40	154.342,40	308.057,60	462.400,00
171	91.942,40	318,73	2.401,27	2.720,00	89.541,13	154.661,13	310.458,87	465.120,00
172	89.541,13	310,41	2.409,59	2.720,00	87.131,54	154.971,54	312.868,46	467.840,00
173	87.131,54	302,06	2.417,94	2.720,00	84.713,59	155.273,59	315.286,41	470.560,00
174	84.713,59	293,67	2.426,33	2.720,00	82.287,27	155.567,27	317.712,73	473.280,00
175	82.287,27	285,26	2.434,74	2.720,00	79.852,53	155.852,53	320.147,47	476.000,00
176	79.852,53	276,82	2.443,18	2.720,00	77.409,35	156.129,35	322.590,65	478.720,00
177	77.409,35	268,35	2.451,65	2.720,00	74.957,71	156.397,71	325.042,29	481.440,00
178	74.957,71	259,85	2.460,15	2.720,00	72.497,56	156.657,56	327.502,44	484.160,00
179	72.497,56	251,32	2.468,68	2.720,00	70.028,88	156.908,88	329.971,12	486.880,00
180	70.028,88	242,77	2.477,23	2.720,00	67.551,65	157.151,65	332.448,35	489.600,00
181	67.551,65	234,18	2.485,82	2.720,00	65.065,83	157.385,83	334.934,17	492.320,00
182	65.065,83	225,56	2.494,44	2.720,00	62.571,39	157.611,39	337.428,61	495.040,00
183	62.571,39	216,91	2.503,09	2.720,00	60.068,30	157.828,30	339.931,70	497.760,00
184	60.068,30	208,24	2.511,76	2.720,00	57.556,54	158.036,54	342.443,46	500.480,00
185	57.556,54	199,53	2.520,47	2.720,00	55.036,07	158.236,07	344.963,93	503.200,00
186	55.036,07	190,79	2.529,21	2.720,00	52.506,86	158.426,86	347.493,14	505.920,00
187	52.506,86	182,02	2.537,98	2.720,00	49.968,89	158.608,89	350.031,11	508.640,00
188	49.968,89	173,23	2.546,77	2.720,00	47.422,11	158.782,11	352.577,89	511.360,00
189	47.422,11	164,40	2.555,60	2.720,00	44.866,51	158.946,51	355.133,49	514.080,00
190	44.866,51	155,54	2.564,46	2.720,00	42.302,05	159.102,05	357.697,95	516.800,00
191	42.302,05	146,65	2.573,35	2.720,00	39.728,69	159.248,69	360.271,31	519.520,00
192	39.728,69	137,73	2.582,27	2.720,00	37.146,42	159.386,42	362.853,58	522.240,00
193	37.146,42	128,77	2.591,23	2.720,00	34.555,19	159.515,19	365.444,81	524.960,00
194	34.555,19	119,79	2.600,21	2.720,00	31.954,98	159.634,98	368.045,02	527.680,00
195	31.954,98	110,78	2.609,22	2.720,00	29.345,76	159.745,76	370.654,24	530.400,00
196	29.345,76	101,73	2.618,27	2.720,00	26.727,49	159.847,49	373.272,51	533.120,00
197	26.727,49	92,66	2.627,34	2.720,00	24.100,15	159.940,15	375.899,85	535.840,00
198	24.100,15	83,55	2.636,45	2.720,00	21.463,70	160.023,70	378.536,30	538.560,00
199	21.463,70	74,41	2.645,59	2.720,00	18.818,10	160.098,10	381.181,90	541.280,00
200	18.818,10	65,24	2.654,76	2.720,00	16.163,34	160.163,34	383.836,66	544.000,00
201	16.163,34	56,03	2.663,97	2.720,00	13.499,37	160.219,37	386.500,63	546.720,00
202	13.499,37	46,80	2.673,20	2.720,00	10.826,17	160.266,17	389.173,83	549.440,00
203	10.826,17	37,53	2.682,47	2.720,00	8.143,70	160.303,70	391.856,30	552.160,00
204	8.143,70	28,23	2.691,77	2.720,00	5.451,93	160.331,93	394.548,07	554.880,00
205	5.451,93	18,90	2.701,10	2.720,00	2.750,83	160.350,83	397.249,17	557.600,00
206	2.750,83	9,54	2.710,46	2.720,00	40,37	160.360,37	399.959,63	560.320,00
207	40,37	0,14	40,37	40,37	40,37	160.360,51	400.000,00	560.360,51

Baufinanzierung

3.88/5,00

160.971,27€
Zinsanteil

2.726,67€
Monatsrate

4,18%
Sollzins p.a.

4,28%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 1.565,00 €;Gesamtbetrag: 187.800,00 €;Anzahl Kreditraten: 120;Laufzeit: 322 Monate;Effektiver Jahreszins: 4,37 %;Gebundener Sollzins: 4,26 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.393,33	1.333,33	2.726,67	398.666,67	1.393,33	1.333,33	2.726,67
2	398.666,67	1.388,69	1.337,98	2.726,67	397.328,69	2.782,02	2.671,31	5.453,33
3	397.328,69	1.384,03	1.342,64	2.726,67	395.986,05	4.166,05	4.013,95	8.180,00
4	395.986,05	1.379,35	1.347,32	2.726,67	394.638,74	5.545,40	5.361,26	10.906,67
5	394.638,74	1.374,66	1.352,01	2.726,67	393.286,73	6.920,06	6.713,27	13.633,33
6	393.286,73	1.369,95	1.356,72	2.726,67	391.930,01	8.290,01	8.069,99	16.360,00
7	391.930,01	1.365,22	1.361,44	2.726,67	390.568,57	9.655,23	9.431,43	19.086,67
8	390.568,57	1.360,48	1.366,19	2.726,67	389.202,38	11.015,71	10.797,62	21.813,33
9	389.202,38	1.355,72	1.370,95	2.726,67	387.831,43	12.371,43	12.168,57	24.540,00
10	387.831,43	1.350,95	1.375,72	2.726,67	386.455,71	13.722,38	13.544,29	27.266,67
11	386.455,71	1.346,15	1.380,51	2.726,67	385.075,20	15.068,53	14.924,80	29.993,33
12	385.075,20	1.341,35	1.385,32	2.726,67	383.689,88	16.409,88	16.310,12	32.720,00
13	383.689,88	1.336,52	1.390,15	2.726,67	382.299,73	17.746,40	17.700,27	35.446,67
14	382.299,73	1.331,68	1.394,99	2.726,67	380.904,74	19.078,08	19.095,26	38.173,33
15	380.904,74	1.326,82	1.399,85	2.726,67	379.504,89	20.404,89	20.495,11	40.900,00
16	379.504,89	1.321,94	1.404,72	2.726,67	378.100,17	21.726,84	21.899,83	43.626,67
17	378.100,17	1.317,05	1.409,62	2.726,67	376.690,55	23.043,89	23.309,45	46.353,33
18	376.690,55	1.312,14	1.414,53	2.726,67	375.276,02	24.356,02	24.723,98	49.080,00
19	375.276,02	1.307,21	1.419,46	2.726,67	373.856,57	25.663,24	26.143,43	51.806,67
20	373.856,57	1.302,27	1.424,40	2.726,67	372.432,17	26.965,50	27.567,83	54.533,33
21	372.432,17	1.297,31	1.429,36	2.726,67	371.002,81	28.262,81	28.997,19	57.260,00
22	371.002,81	1.292,33	1.434,34	2.726,67	369.568,47	29.555,13	30.431,53	59.986,67
23	369.568,47	1.287,33	1.439,34	2.726,67	368.129,13	30.842,47	31.870,87	62.713,33
24	368.129,13	1.282,32	1.444,35	2.726,67	366.684,78	32.124,78	33.315,22	65.440,00
25	366.684,78	1.277,29	1.449,38	2.726,67	365.235,40	33.402,07	34.764,60	68.166,67
26	365.235,40	1.272,24	1.454,43	2.726,67	363.780,97	34.674,30	36.219,03	70.893,33
27	363.780,97	1.267,17	1.459,50	2.726,67	362.321,47	35.941,47	37.678,53	73.620,00
28	362.321,47	1.262,09	1.464,58	2.726,67	360.856,89	37.203,56	39.143,11	76.346,67
29	360.856,89	1.256,98	1.469,68	2.726,67	359.387,21	38.460,55	40.612,79	79.073,33
30	359.387,21	1.251,87	1.474,80	2.726,67	357.912,41	39.712,41	42.087,59	81.800,00
31	357.912,41	1.246,73	1.479,94	2.726,67	356.432,47	40.959,14	43.567,53	84.526,67
32	356.432,47	1.241,57	1.485,09	2.726,67	354.947,38	42.200,71	45.052,62	87.253,33
33	354.947,38	1.236,40	1.490,27	2.726,67	353.457,11	43.437,11	46.542,89	89.980,00
34	353.457,11	1.231,21	1.495,46	2.726,67	351.961,65	44.668,32	48.038,35	92.706,67
35	351.961,65	1.226,00	1.500,67	2.726,67	350.460,99	45.894,32	49.539,01	95.433,33
36	350.460,99	1.220,77	1.505,89	2.726,67	348.955,09	47.115,09	51.044,91	98.160,00
37	348.955,09	1.215,53	1.511,14	2.726,67	347.443,95	48.330,62	52.556,05	100.886,67
38	347.443,95	1.210,26	1.516,40	2.726,67	345.927,55	49.540,88	54.072,45	103.613,33
39	345.927,55	1.204,98	1.521,69	2.726,67	344.405,86	50.745,86	55.594,14	106.340,00
40	344.405,86	1.199,68	1.526,99	2.726,67	342.878,88	51.945,54	57.121,12	109.066,67
41	342.878,88	1.194,36	1.532,31	2.726,67	341.346,57	53.139,91	58.653,43	111.793,33
42	341.346,57	1.189,02	1.537,64	2.726,67	339.808,93	54.328,93	60.191,07	114.520,00
43	339.808,93	1.183,67	1.543,00	2.726,67	338.265,93	55.512,60	61.734,07	117.246,67
44	338.265,93	1.178,29	1.548,37	2.726,67	336.717,56	56.690,89	63.282,44	119.973,33
45	336.717,56	1.172,90	1.553,77	2.726,67	335.163,79	57.863,79	64.836,21	122.700,00
46	335.163,79	1.167,49	1.559,18	2.726,67	333.604,61	59.031,28	66.395,39	125.426,67
47	333.604,61	1.162,06	1.564,61	2.726,67	332.040,00	60.193,33	67.960,00	128.153,33
48	332.040,00	1.156,61	1.570,06	2.726,67	330.469,94	61.349,94	69.530,06	130.880,00
49	330.469,94	1.151,14	1.575,53	2.726,67	328.894,41	62.501,08	71.105,59	133.606,67
50	328.894,41	1.145,65	1.581,02	2.726,67	327.313,39	63.646,73	72.686,61	136.333,33
51	327.313,39	1.140,14	1.586,53	2.726,67	325.726,87	64.786,87	74.273,13	139.060,00
52	325.726,87	1.134,62	1.592,05	2.726,67	324.134,82	65.921,48	75.865,18	141.786,67
53	324.134,82	1.129,07	1.597,60	2.726,67	322.537,22	67.050,55	77.462,78	144.513,33
54	322.537,22	1.123,50	1.603,16	2.726,67	320.934,06	68.174,06	79.065,94	147.240,00
55	320.934,06	1.117,92	1.608,75	2.726,67	319.325,31	69.291,98	80.674,69	149.966,67
56	319.325,31	1.112,32	1.614,35	2.726,67	317.710,96	70.404,29	82.289,04	152.693,33
57	317.710,96	1.106,69	1.619,97	2.726,67	316.090,99	71.510,99	83.909,01	155.420,00
58	316.090,99	1.101,05	1.625,62	2.726,67	314.465,37	72.612,04	85.534,63	158.146,67
59	314.465,37	1.095,39	1.631,28	2.726,67	312.834,09	73.707,42	87.165,91	160.873,33
60	312.834,09	1.089,71	1.636,96	2.726,67	311.197,13	74.797,13	88.802,87	163.600,00
61	311.197,13	1.084,00	1.642,66	2.726,67	309.554,47	75.881,13	90.445,53	166.326,67
62	309.554,47	1.078,28	1.648,39	2.726,67	307.906,08	76.959,41	92.093,92	169.053,33
63	307.906,08	1.072,54	1.654,13	2.726,67	306.251,95	78.031,95	93.748,05	171.780,00
64	306.251,95	1.066,78	1.659,89	2.726,67	304.592,06	79.098,73	95.407,94	174.506,67
65	304.592,06	1.061,00	1.665,67	2.726,67	302.926,39	80.159,73	97.073,61	177.233,33
66	302.926,39	1.055,19	1.671,47	2.726,67	301.254,92	81.214,92	98.745,08	179.960,00
67	301.254,92	1.049,37	1.677,30	2.726,67	299.577,63	82.264,29	100.422,37	182.686,67
68	299.577,63	1.043,53	1.683,14	2.726,67	297.894,49	83.307,82	102.105,51	185.413,33
69	297.894,49	1.037,67	1.689,00	2.726,67	296.205,49	84.345,49	103.794,51	188.140,00
70	296.205,49	1.031,78	1.694,88	2.726,67	294.510,60	85.377,27	105.489,40	190.866,67
71	294.510,60	1.025,88	1.700,79	2.726,67	292.809,81	86.403,15	107.190,19	193.593,33
72	292.809,81	1.019,95	1.706,71	2.726,67	291.103,10	87.423,10	108.896,90	196.320,00
73	291.103,10	1.014,01	1.712,66	2.726,67	289.390,44	88.437,11	110.609,56	199.046,67
74	289.390,44	1.008,04	1.718,62	2.726,67	287.671,82	89.445,15	112.328,18	201.773,33
75	287.671,82	1.002,06	1.724,61	2.726,67	285.947,21	90.447,21	114.052,79	204.500,00
76	285.947,21	996,05	1.730,62	2.726,67	284.216,59	91.443,26	115.783,41	207.226,67
77	284.216,59	990,02	1.736,65	2.726,67	282.479,95	92.433,28	117.520,05	209.953,33
78	282.479,95	983,97	1.742,69	2.726,67	280.737,25	93.417,25	119.262,75	212.680,00
79	280.737,25	977,90	1.748,77	2.726,67	278.988,49	94.395,16	121.011,51	215.406,67
80	278.988,49	971,81	1.754,86	2.726,67	277.233,63	95.366,97	122.766,37	218.133,33
81	277.233,63	965,70	1.760,97	2.726,67	275.472,66	96.332,66	124.527,34	220.860,00
82	275.472,66	959,56	1.767,10	2.726,67	273.705,56	97.292,23	126.294,44	223.586,67
83	273.705,56	953,41	1.773,26	2.726,67	271.932,30	98.245,63	128.067,70	226.313,33
84	271.932,30	947,23	1.779,44	2.726,67	270.152,86	99.192,86	129.847,14	229.040,00
85	270.152,86	941,03	1.785,63	2.726,67	268.367,23	100.133,90	131.632,77	231.766,67
86	268.367,23	934,81	1.791,85	2.726,67	266.575,38	101.068,71	133.424,62	234.493,33
87	266.575,38	928,57	1.798,10	2.726,67	264.777,28	101.997,28	135.222,72	237.220,00
88	264.777,28	922,31	1.804,36	2.726,67	262.972,92	102.919,59	137.027,08	239.946,67
89	262.972,92	916,02	1.810,64	2.726,67	261.162,28	103.835,61	138.837,72	242.673,33
90	261.162,28	909,72	1.816,95	2.726,67	259.345,32	104.745,32	140.654,68	245.400,00
91	259.345,32	903,39	1.823,28	2.726,67	257.522,04	105.648,71	142.477,96	248.126,67
92	257.522,04	897,04	1.829,63	2.726,67	255.692,41	106.545,75	144.307,59	250.853,33
93	255.692,41	890,66	1.836,00	2.726,67	253.856,41	107.436,41	146.143,59	253.580,00
94	253.856,41	884,27	1.842,40	2.726,67	252.014,01	108.320,67	147.985,99	256.306,67
95	252.014,01	877,85	1.848,82	2.726,67	250.165,19	109.198,52	149.834,81	259.033,33
96	250.165,19	871,41	1.855,26	2.726,67	248.309,93	110.069,93	151.690,07	261.760,00
97	248.309,93	864,95	1.861,72	2.726,67	246.448,21	110.934,88	153.551,79	264.486,67
98	246.448,21	858,46	1.868,21	2.726,67	244.580,01	111.793,34	155.419,99	267.213,33
99	244.580,01	851,95	1.874,71	2.726,67	242.705,29	112.645,29	157.294,71	269.940,00
100	242.705,29	845,42	1.881,24	2.726,67	240.824,05	113.490,72	159.175,95	272.666,67
101	240.824,05	838,87	1.887,80	2.726,67	238.936,25	114.329,59	161.063,75	275.393,33
102	238.936,25	832,29	1.894,37	2.726,67	237.041,88	115.161,88	162.958,12	278.120,00
103	237.041,88	825,70	1.900,97	2.726,67	235.140,91	115.987,58	164.859,09	280.846,67
104	235.140,91	819,07	1.907,59	2.726,67	233.233,32	116.806,65	166.766,68	283.573,33
105	233.233,32	812,43	1.914,24	2.726,67	231.319,08	117.619,08	168.680,92	286.300,00
106	231.319,08	805,76	1.920,91	2.726,67	229.398,18	118.424,84	170.601,82	289.026,67
107	229.398,18	799,07	1.927,60	2.726,67	227.470,58	119.223,91	172.529,42	291.753,33
108	227.470,58	792,36	1.934,31	2.726,67	225.536,27	120.016,27	174.463,73	294.480,00
109	225.536,27	785,62	1.941,05	2.726,67	223.595,22	120.801,89	176.404,78	297.206,67
110	223.595,22	778,86	1.947,81	2.726,67	221.647,41	121.580,74	178.352,59	299.933,33
111	221.647,41	772,07	1.954,59	2.726,67	219.692,82	122.352,82	180.307,18	302.660,00
112	219.692,82	765,26	1.961,40	2.726,67	217.731,41	123.118,08	182.268,59	305.386,67
113	217.731,41	758,43	1.968,24	2.726,67	215.763,18	123.876,51	184.236,82	308.113,33
114	215.763,18	751,58	1.975,09	2.726,67	213.788,08	124.628,08	186.211,92	310.840,00
115	213.788,08	744,70	1.981,97	2.726,67	211.806,11	125.372,78	188.193,89	313.566,67
116	211.806,11	737,79	1.988,88	2.726,67	209.817,24	126.110,57	190.182,76	316.293,33
117	209.817,24	730,86	1.995,80	2.726,67	207.821,43	126.841,43	192.178,57	319.020,00
118	207.821,43	723,91	2.002,76	2.726,67	205.818,68	127.565,35	194.181,32	321.746,67
119	205.818,68	716,94	2.009,73	2.726,67	203.808,95	128.282,28	196.191,05	324.473,33
120	203.808,95	709,93	2.016,73	2.726,67	201.792,22	128.992,22	198.207,78	327.200,00
121	201.792,22	702,91	2.023,76	2.726,67	199.768,46	129.695,13	200.231,54	329.926,67
122	199.768,46	695,86	2.030,81	2.726,67	197.737,65	130.390,99	202.262,35	332.653,33
123	197.737,65	688,79	2.037,88	2.726,67	195.699,77	131.079,77	204.300,23	335.380,00
124	195.699,77	681,69	2.044,98	2.726,67	193.654,79	131.761,46	206.345,21	338.106,67
125	193.654,79	674,56	2.052,10	2.726,67	191.602,69	132.436,02	208.397,31	340.833,33
126	191.602,69	667,42	2.059,25	2.726,67	189.543,44	133.103,44	210.456,56	343.560,00
127	189.543,44	660,24	2.066,42	2.726,67	187.477,02	133.763,68	212.522,98	346.286,67
128	187.477,02	653,04	2.073,62	2.726,67	185.403,39	134.416,73	214.596,61	349.013,33
129	185.403,39	645,82	2.080,84	2.726,67	183.322,55	135.062,55	216.677,45	351.740,00
130	183.322,55	638,57	2.088,09	2.726,67	181.234,46	135.701,12	218.765,54	354.466,67
131	181.234,46	631,30	2.095,37	2.726,67	179.139,09	136.332,42	220.860,91	357.193,33
132	179.139,09	624,00	2.102,67	2.726,67	177.036,42	136.956,42	222.963,58	359.920,00
133	177.036,42	616,68	2.109,99	2.726,67	174.926,43	137.573,10	225.073,57	362.646,67
134	174.926,43	609,33	2.117,34	2.726,67	172.809,09	138.182,43	227.190,91	365.373,33
135	172.809,09	601,95	2.124,71	2.726,67	170.684,38	138.784,38	229.315,62	368.100,00
136	170.684,38	594,55	2.132,12	2.726,67	168.552,26	139.378,93	231.447,74	370.826,67
137	168.552,26	587,12	2.139,54	2.726,67	166.412,72	139.966,05	233.587,28	373.553,33
138	166.412,72	579,67	2.147,00	2.726,67	164.265,72	140.545,72	235.734,28	376.280,00
139	164.265,72	572,19	2.154,47	2.726,67	162.111,25	141.117,92	237.888,75	379.006,67
140	162.111,25	564,69	2.161,98	2.726,67	159.949,27	141.682,60	240.050,73	381.733,33
141	159.949,27	557,16	2.169,51	2.726,67	157.779,76	142.239,76	242.220,24	384.460,00
142	157.779,76	549,60	2.177,07	2.726,67	155.602,69	142.789,36	244.397,31	387.186,67
143	155.602,69	542,02	2.184,65	2.726,67	153.418,04	143.331,38	246.581,96	389.913,33
144	153.418,04	534,41	2.192,26	2.726,67	151.225,78	143.865,78	248.774,22	392.640,00
145	151.225,78	526,77	2.199,90	2.726,67	149.025,89	144.392,55	250.974,11	395.366,67
146	149.025,89	519,11	2.207,56	2.726,67	146.818,33	144.911,66	253.181,67	398.093,33
147	146.818,33	511,42	2.215,25	2.726,67	144.603,08	145.423,08	255.396,92	400.820,00
148	144.603,08	503,70	2.222,97	2.726,67	142.380,11	145.926,78	257.619,89	403.546,67
149	142.380,11	495,96	2.230,71	2.726,67	140.149,40	146.422,73	259.850,60	406.273,33
150	140.149,40	488,19	2.238,48	2.726,67	137.910,92	146.910,92	262.089,08	409.000,00
151	137.910,92	480,39	2.246,28	2.726,67	135.664,64	147.391,31	264.335,36	411.726,67
152	135.664,64	472,57	2.254,10	2.726,67	133.410,54	147.863,88	266.589,46	414.453,33
153	133.410,54	464,71	2.261,95	2.726,67	131.148,59	148.328,59	268.851,41	417.180,00
154	131.148,59	456,83	2.269,83	2.726,67	128.878,76	148.785,42	271.121,24	419.906,67
155	128.878,76	448,93	2.277,74	2.726,67	126.601,02	149.234,35	273.398,98	422.633,33
156	126.601,02	440,99	2.285,67	2.726,67	124.315,35	149.675,35	275.684,65	425.360,00
157	124.315,35	433,03	2.293,63	2.726,67	122.021,71	150.108,38	277.978,29	428.086,67
158	122.021,71	425,04	2.301,62	2.726,67	119.720,09	150.533,42	280.279,91	430.813,33
159	119.720,09	417,02	2.309,64	2.726,67	117.410,44	150.950,44	282.589,56	433.540,00
160	117.410,44	408,98	2.317,69	2.726,67	115.092,76	151.359,42	284.907,24	436.266,67
161	115.092,76	400,91	2.325,76	2.726,67	112.767,00	151.760,33	287.233,00	438.993,33
162	112.767,00	392,81	2.333,86	2.726,67	110.433,14	152.153,14	289.566,86	441.720,00
163	110.433,14	384,68	2.341,99	2.726,67	108.091,14	152.537,81	291.908,86	444.446,67
164	108.091,14	376,52	2.350,15	2.726,67	105.741,00	152.914,33	294.259,00	447.173,33
165	105.741,00	368,33	2.358,34	2.726,67	103.382,66	153.282,66	296.617,34	449.900,00
166	103.382,66	360,12	2.366,55	2.726,67	101.016,11	153.642,78	298.983,89	452.626,67
167	101.016,11	351,87	2.374,79	2.726,67	98.641,32	153.994,65	301.358,68	455.353,33
168	98.641,32	343,60	2.383,07	2.726,67	96.258,25	154.338,25	303.741,75	458.080,00
169	96.258,25	335,30	2.391,37	2.726,67	93.866,88	154.673,55	306.133,12	460.806,67
170	93.866,88	326,97	2.399,70	2.726,67	91.467,19	155.000,52	308.532,81	463.533,33
171	91.467,19	318,61	2.408,06	2.726,67	89.059,13	155.319,13	310.940,87	466.260,00
172	89.059,13	310,22	2.416,44	2.726,67	86.642,69	155.629,35	313.357,31	468.986,67
173	86.642,69	301,81	2.424,86	2.726,67	84.217,82	155.931,16	315.782,18	471.713,33
174	84.217,82	293,36	2.433,31	2.726,67	81.784,52	156.224,52	318.215,48	474.440,00
175	81.784,52	284,88	2.441,78	2.726,67	79.342,73	156.509,40	320.657,27	477.166,67
176	79.342,73	276,38	2.450,29	2.726,67	76.892,44	156.785,78	323.107,56	479.893,33
177	76.892,44	267,84	2.458,82	2.726,67	74.433,62	157.053,62	325.566,38	482.620,00
178	74.433,62	259,28	2.467,39	2.726,67	71.966,23	157.312,90	328.033,77	485.346,67
179	71.966,23	250,68	2.475,98	2.726,67	69.490,24	157.563,58	330.509,76	488.073,33
180	69.490,24	242,06	2.484,61	2.726,67	67.005,64	157.805,64	332.994,36	490.800,00
181	67.005,64	233,40	2.493,26	2.726,67	64.512,37	158.039,04	335.487,63	493.526,67
182	64.512,37	224,72	2.501,95	2.726,67	62.010,42	158.263,76	337.989,58	496.253,33
183	62.010,42	216,00	2.510,66	2.726,67	59.499,76	158.479,76	340.500,24	498.980,00
184	59.499,76	207,26	2.519,41	2.726,67	56.980,35	158.687,02	343.019,65	501.706,67
185	56.980,35	198,48	2.528,19	2.726,67	54.452,16	158.885,50	345.547,84	504.433,33
186	54.452,16	189,68	2.536,99	2.726,67	51.915,17	159.075,17	348.084,83	507.160,00
187	51.915,17	180,84	2.545,83	2.726,67	49.369,34	159.256,01	350.630,66	509.886,67
188	49.369,34	171,97	2.554,70	2.726,67	46.814,65	159.427,98	353.185,35	512.613,33
189	46.814,65	163,07	2.563,60	2.726,67	44.251,05	159.591,05	355.748,95	515.340,00
190	44.251,05	154,14	2.572,53	2.726,67	41.678,53	159.745,19	358.321,47	518.066,67
191	41.678,53	145,18	2.581,49	2.726,67	39.097,04	159.890,37	360.902,96	520.793,33
192	39.097,04	136,19	2.590,48	2.726,67	36.506,56	160.026,56	363.493,44	523.520,00
193	36.506,56	127,16	2.599,50	2.726,67	33.907,06	160.153,73	366.092,94	526.246,67
194	33.907,06	118,11	2.608,56	2.726,67	31.298,50	160.271,84	368.701,50	528.973,33
195	31.298,50	109,02	2.617,64	2.726,67	28.680,86	160.380,86	371.319,14	531.700,00
196	28.680,86	99,90	2.626,76	2.726,67	26.054,10	160.480,76	373.945,90	534.426,67
197	26.054,10	90,76	2.635,91	2.726,67	23.418,19	160.571,52	376.581,81	537.153,33
198	23.418,19	81,57	2.645,09	2.726,67	20.773,09	160.653,09	379.226,91	539.880,00
199	20.773,09	72,36	2.654,31	2.726,67	18.118,79	160.725,45	381.881,21	542.606,67
200	18.118,79	63,11	2.663,55	2.726,67	15.455,23	160.788,57	384.544,77	545.333,33
201	15.455,23	53,84	2.672,83	2.726,67	12.782,40	160.842,40	387.217,60	548.060,00
202	12.782,40	44,53	2.682,14	2.726,67	10.100,26	160.886,93	389.899,74	550.786,67
203	10.100,26	35,18	2.691,48	2.726,67	7.408,78	160.922,11	392.591,22	553.513,33
204	7.408,78	25,81	2.700,86	2.726,67	4.707,92	160.947,92	395.292,08	556.240,00
205	4.707,92	16,40	2.710,27	2.726,67	1.997,65	160.964,32	398.002,35	558.966,67
206	1.997,65	6,96	1.997,65	1.997,65	1.997,65	160.971,27	400.000,00	560.971,27

Baufinanzierung

3.66/5,00

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

170.880,76€
Zinsanteil

2.836,67€
Monatsrate

4,51%
Sollzins p.a.

4,63%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 1.817,50 €;Gesamtbetrag: 327.150,00 €;Anzahl Kreditraten: 180;Laufzeit: 250 Monate;Effektiver Jahreszins: 4,38 %;Gebundener Sollzins: 4,27 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.503,33	1.333,33	2.836,67	398.666,67	1.503,33	1.333,33	2.836,67
2	398.666,67	1.498,32	1.338,34	2.836,67	397.328,32	3.001,66	2.671,68	5.673,33
3	397.328,32	1.493,29	1.343,37	2.836,67	395.984,95	4.494,95	4.015,05	8.510,00
4	395.984,95	1.488,24	1.348,42	2.836,67	394.636,52	5.983,19	5.363,48	11.346,67
5	394.636,52	1.483,18	1.353,49	2.836,67	393.283,03	7.466,37	6.716,97	14.183,33
6	393.283,03	1.478,09	1.358,58	2.836,67	391.924,46	8.944,46	8.075,54	17.020,00
7	391.924,46	1.472,98	1.363,68	2.836,67	390.560,77	10.417,44	9.439,23	19.856,67
8	390.560,77	1.467,86	1.368,81	2.836,67	389.191,96	11.885,30	10.808,04	22.693,33
9	389.191,96	1.462,71	1.373,95	2.836,67	387.818,01	13.348,01	12.181,99	25.530,00
10	387.818,01	1.457,55	1.379,12	2.836,67	386.438,89	14.805,56	13.561,11	28.366,67
11	386.438,89	1.452,37	1.384,30	2.836,67	385.054,59	16.257,92	14.945,41	31.203,33
12	385.054,59	1.447,16	1.389,50	2.836,67	383.665,09	17.705,09	16.334,91	34.040,00
13	383.665,09	1.441,94	1.394,73	2.836,67	382.270,36	19.147,03	17.729,64	36.876,67
14	382.270,36	1.436,70	1.399,97	2.836,67	380.870,40	20.583,73	19.129,60	39.713,33
15	380.870,40	1.431,44	1.405,23	2.836,67	379.465,17	22.015,17	20.534,83	42.550,00
16	379.465,17	1.426,16	1.410,51	2.836,67	378.054,66	23.441,32	21.945,34	45.386,67
17	378.054,66	1.420,86	1.415,81	2.836,67	376.638,85	24.862,18	23.361,15	48.223,33
18	376.638,85	1.415,53	1.421,13	2.836,67	375.217,71	26.277,71	24.782,29	51.060,00
19	375.217,71	1.410,19	1.426,47	2.836,67	373.791,24	27.687,91	26.208,76	53.896,67
20	373.791,24	1.404,83	1.431,83	2.836,67	372.359,41	29.092,74	27.640,59	56.733,33
21	372.359,41	1.399,45	1.437,22	2.836,67	370.922,19	30.492,19	29.077,81	59.570,00
22	370.922,19	1.394,05	1.442,62	2.836,67	369.479,57	31.886,24	30.520,43	62.406,67
23	369.479,57	1.388,63	1.448,04	2.836,67	368.031,53	33.274,87	31.968,47	65.243,33
24	368.031,53	1.383,19	1.453,48	2.836,67	366.578,05	34.658,05	33.421,95	68.080,00
25	366.578,05	1.377,72	1.458,94	2.836,67	365.119,11	36.035,77	34.880,89	70.916,67
26	365.119,11	1.372,24	1.464,43	2.836,67	363.654,68	37.408,01	36.345,32	73.753,33
27	363.654,68	1.366,74	1.469,93	2.836,67	362.184,75	38.774,75	37.815,25	76.590,00
28	362.184,75	1.361,21	1.475,46	2.836,67	360.709,29	40.135,96	39.290,71	79.426,67
29	360.709,29	1.355,67	1.481,00	2.836,67	359.228,29	41.491,62	40.771,71	82.263,33
30	359.228,29	1.350,10	1.486,57	2.836,67	357.741,72	42.841,72	42.258,28	85.100,00
31	357.741,72	1.344,51	1.492,15	2.836,67	356.249,57	44.186,24	43.750,43	87.936,67
32	356.249,57	1.338,90	1.497,76	2.836,67	354.751,81	45.525,14	45.248,19	90.773,33
33	354.751,81	1.333,28	1.503,39	2.836,67	353.248,42	46.858,42	46.751,58	93.610,00
34	353.248,42	1.327,63	1.509,04	2.836,67	351.739,38	48.186,04	48.260,62	96.446,67
35	351.739,38	1.321,95	1.514,71	2.836,67	350.224,66	49.508,00	49.775,34	99.283,33
36	350.224,66	1.316,26	1.520,41	2.836,67	348.704,26	50.824,26	51.295,74	102.120,00
37	348.704,26	1.310,55	1.526,12	2.836,67	347.178,14	52.134,80	52.821,86	104.956,67
38	347.178,14	1.304,81	1.531,86	2.836,67	345.646,28	53.439,62	54.353,72	107.793,33
39	345.646,28	1.299,05	1.537,61	2.836,67	344.108,67	54.738,67	55.891,33	110.630,00
40	344.108,67	1.293,28	1.543,39	2.836,67	342.565,28	56.031,94	57.434,72	113.466,67
41	342.565,28	1.287,47	1.549,19	2.836,67	341.016,09	57.319,42	58.983,91	116.303,33
42	341.016,09	1.281,65	1.555,01	2.836,67	339.461,07	58.601,07	60.538,93	119.140,00
43	339.461,07	1.275,81	1.560,86	2.836,67	337.900,21	59.876,88	62.099,79	121.976,67
44	337.900,21	1.269,94	1.566,73	2.836,67	336.333,49	61.146,82	63.666,51	124.813,33
45	336.333,49	1.264,05	1.572,61	2.836,67	334.760,87	62.410,87	65.239,13	127.650,00
46	334.760,87	1.258,14	1.578,52	2.836,67	333.182,35	63.669,02	66.817,65	130.486,67
47	333.182,35	1.252,21	1.584,46	2.836,67	331.597,89	64.921,23	68.402,11	133.323,33
48	331.597,89	1.246,26	1.590,41	2.836,67	330.007,48	66.167,48	69.992,52	136.160,00
49	330.007,48	1.240,28	1.596,39	2.836,67	328.411,09	67.407,76	71.588,91	138.996,67
50	328.411,09	1.234,28	1.602,39	2.836,67	326.808,71	68.642,04	73.191,29	141.833,33
51	326.808,71	1.228,26	1.608,41	2.836,67	325.200,30	69.870,30	74.799,70	144.670,00
52	325.200,30	1.222,21	1.614,46	2.836,67	323.585,84	71.092,51	76.414,16	147.506,67
53	323.585,84	1.216,14	1.620,52	2.836,67	321.965,32	72.308,65	78.034,68	150.343,33
54	321.965,32	1.210,05	1.626,61	2.836,67	320.338,70	73.518,70	79.661,30	153.180,00
55	320.338,70	1.203,94	1.632,73	2.836,67	318.705,98	74.722,64	81.294,02	156.016,67
56	318.705,98	1.197,80	1.638,86	2.836,67	317.067,11	75.920,45	82.932,89	158.853,33
57	317.067,11	1.191,64	1.645,02	2.836,67	315.422,09	77.112,09	84.577,91	161.690,00
58	315.422,09	1.185,46	1.651,21	2.836,67	313.770,88	78.297,55	86.229,12	164.526,67
59	313.770,88	1.179,26	1.657,41	2.836,67	312.113,47	79.476,81	87.886,53	167.363,33
60	312.113,47	1.173,03	1.663,64	2.836,67	310.449,83	80.649,83	89.550,17	170.200,00
61	310.449,83	1.166,77	1.669,89	2.836,67	308.779,94	81.816,61	91.220,06	173.036,67
62	308.779,94	1.160,50	1.676,17	2.836,67	307.103,77	82.977,11	92.896,23	175.873,33
63	307.103,77	1.154,20	1.682,47	2.836,67	305.421,30	84.131,30	94.578,70	178.710,00
64	305.421,30	1.147,88	1.688,79	2.836,67	303.732,51	85.279,18	96.267,49	181.546,67
65	303.732,51	1.141,53	1.695,14	2.836,67	302.037,37	86.420,71	97.962,63	184.383,33
66	302.037,37	1.135,16	1.701,51	2.836,67	300.335,86	87.555,86	99.664,14	187.220,00
67	300.335,86	1.128,76	1.707,90	2.836,67	298.627,96	88.684,63	101.372,04	190.056,67
68	298.627,96	1.122,34	1.714,32	2.836,67	296.913,64	89.806,97	103.086,36	192.893,33
69	296.913,64	1.115,90	1.720,77	2.836,67	295.192,87	90.922,87	104.807,13	195.730,00
70	295.192,87	1.109,43	1.727,23	2.836,67	293.465,64	92.032,30	106.534,36	198.566,67
71	293.465,64	1.102,94	1.733,72	2.836,67	291.731,91	93.135,24	108.268,09	201.403,33
72	291.731,91	1.096,43	1.740,24	2.836,67	289.991,67	94.231,67	110.008,33	204.240,00
73	289.991,67	1.089,89	1.746,78	2.836,67	288.244,89	95.321,56	111.755,11	207.076,67
74	288.244,89	1.083,32	1.753,35	2.836,67	286.491,54	96.404,88	113.508,46	209.913,33
75	286.491,54	1.076,73	1.759,94	2.836,67	284.731,61	97.481,61	115.268,39	212.750,00
76	284.731,61	1.070,12	1.766,55	2.836,67	282.965,06	98.551,72	117.034,94	215.586,67
77	282.965,06	1.063,48	1.773,19	2.836,67	281.191,87	99.615,20	118.808,13	218.423,33
78	281.191,87	1.056,81	1.779,85	2.836,67	279.412,01	100.672,01	120.587,99	221.260,00
79	279.412,01	1.050,12	1.786,54	2.836,67	277.625,47	101.722,14	122.374,53	224.096,67
80	277.625,47	1.043,41	1.793,26	2.836,67	275.832,21	102.765,55	124.167,79	226.933,33
81	275.832,21	1.036,67	1.800,00	2.836,67	274.032,21	103.802,21	125.967,79	229.770,00
82	274.032,21	1.029,90	1.806,76	2.836,67	272.225,45	104.832,12	127.774,55	232.606,67
83	272.225,45	1.023,11	1.813,55	2.836,67	270.411,90	105.855,23	129.588,10	235.443,33
84	270.411,90	1.016,30	1.820,37	2.836,67	268.591,53	106.871,53	131.408,47	238.280,00
85	268.591,53	1.009,46	1.827,21	2.836,67	266.764,32	107.880,99	133.235,68	241.116,67
86	266.764,32	1.002,59	1.834,08	2.836,67	264.930,24	108.883,58	135.069,76	243.953,33
87	264.930,24	995,70	1.840,97	2.836,67	263.089,27	109.879,27	136.910,73	246.790,00
88	263.089,27	988,78	1.847,89	2.836,67	261.241,38	110.868,05	138.758,62	249.626,67
89	261.241,38	981,83	1.854,83	2.836,67	259.386,55	111.849,88	140.613,45	252.463,33
90	259.386,55	974,86	1.861,81	2.836,67	257.524,74	112.824,74	142.475,26	255.300,00
91	257.524,74	967,86	1.868,80	2.836,67	255.655,94	113.792,61	144.344,06	258.136,67
92	255.655,94	960,84	1.875,83	2.836,67	253.780,11	114.753,45	146.219,89	260.973,33
93	253.780,11	953,79	1.882,88	2.836,67	251.897,24	115.707,24	148.102,76	263.810,00
94	251.897,24	946,71	1.889,95	2.836,67	250.007,29	116.653,95	149.992,71	266.646,67
95	250.007,29	939,61	1.897,06	2.836,67	248.110,23	117.593,56	151.889,77	269.483,33
96	248.110,23	932,48	1.904,19	2.836,67	246.206,04	118.526,04	153.793,96	272.320,00
97	246.206,04	925,32	1.911,34	2.836,67	244.294,70	119.451,37	155.705,30	275.156,67
98	244.294,70	918,14	1.918,53	2.836,67	242.376,18	120.369,51	157.623,82	277.993,33
99	242.376,18	910,93	1.925,74	2.836,67	240.450,44	121.280,44	159.549,56	280.830,00
100	240.450,44	903,69	1.932,97	2.836,67	238.517,47	122.184,13	161.482,53	283.666,67
101	238.517,47	896,43	1.940,24	2.836,67	236.577,23	123.080,56	163.422,77	286.503,33
102	236.577,23	889,14	1.947,53	2.836,67	234.629,70	123.969,70	165.370,30	289.340,00
103	234.629,70	881,82	1.954,85	2.836,67	232.674,85	124.851,51	167.325,15	292.176,67
104	232.674,85	874,47	1.962,20	2.836,67	230.712,65	125.725,98	169.287,35	295.013,33
105	230.712,65	867,10	1.969,57	2.836,67	228.743,08	126.593,08	171.256,92	297.850,00
106	228.743,08	859,69	1.976,97	2.836,67	226.766,10	127.452,77	173.233,90	300.686,67
107	226.766,10	852,26	1.984,40	2.836,67	224.781,70	128.305,03	175.218,30	303.523,33
108	224.781,70	844,80	1.991,86	2.836,67	222.789,84	129.149,84	177.210,16	306.360,00
109	222.789,84	837,32	1.999,35	2.836,67	220.790,49	129.987,16	179.209,51	309.196,67
110	220.790,49	829,80	2.006,86	2.836,67	218.783,63	130.816,96	181.216,37	312.033,33
111	218.783,63	822,26	2.014,40	2.836,67	216.769,22	131.639,22	183.230,78	314.870,00
112	216.769,22	814,69	2.021,98	2.836,67	214.747,25	132.453,91	185.252,75	317.706,67
113	214.747,25	807,09	2.029,57	2.836,67	212.717,67	133.261,00	187.282,33	320.543,33
114	212.717,67	799,46	2.037,20	2.836,67	210.680,47	134.060,47	189.319,53	323.380,00
115	210.680,47	791,81	2.044,86	2.836,67	208.635,61	134.852,28	191.364,39	326.216,67
116	208.635,61	784,12	2.052,54	2.836,67	206.583,06	135.636,40	193.416,94	329.053,33
117	206.583,06	776,41	2.060,26	2.836,67	204.522,81	136.412,81	195.477,19	331.890,00
118	204.522,81	768,66	2.068,00	2.836,67	202.454,80	137.181,47	197.545,20	334.726,67
119	202.454,80	760,89	2.075,77	2.836,67	200.379,03	137.942,36	199.620,97	337.563,33
120	200.379,03	753,09	2.083,58	2.836,67	198.295,46	138.695,46	201.704,54	340.400,00
121	198.295,46	745,26	2.091,41	2.836,67	196.204,05	139.440,72	203.795,95	343.236,67
122	196.204,05	737,40	2.099,27	2.836,67	194.104,78	140.178,12	205.895,22	346.073,33
123	194.104,78	729,51	2.107,16	2.836,67	191.997,63	140.907,63	208.002,37	348.910,00
124	191.997,63	721,59	2.115,08	2.836,67	189.882,55	141.629,22	210.117,45	351.746,67
125	189.882,55	713,64	2.123,02	2.836,67	187.759,53	142.342,86	212.240,47	354.583,33
126	187.759,53	705,66	2.131,00	2.836,67	185.628,52	143.048,52	214.371,48	357.420,00
127	185.628,52	697,65	2.139,01	2.836,67	183.489,51	143.746,18	216.510,49	360.256,67
128	183.489,51	689,61	2.147,05	2.836,67	181.342,46	144.435,79	218.657,54	363.093,33
129	181.342,46	681,55	2.155,12	2.836,67	179.187,34	145.117,34	220.812,66	365.930,00
130	179.187,34	673,45	2.163,22	2.836,67	177.024,12	145.790,78	222.975,88	368.766,67
131	177.024,12	665,32	2.171,35	2.836,67	174.852,76	146.456,10	225.147,24	371.603,33
132	174.852,76	657,15	2.179,51	2.836,67	172.673,25	147.113,25	227.326,75	374.440,00
133	172.673,25	648,96	2.187,70	2.836,67	170.485,55	147.762,22	229.514,45	377.276,67
134	170.485,55	640,74	2.195,93	2.836,67	168.289,62	148.402,96	231.710,38	380.113,33
135	168.289,62	632,49	2.204,18	2.836,67	166.085,45	149.035,45	233.914,55	382.950,00
136	166.085,45	624,20	2.212,46	2.836,67	163.872,98	149.659,65	236.127,02	385.786,67
137	163.872,98	615,89	2.220,78	2.836,67	161.652,21	150.275,54	238.347,79	388.623,33
138	161.652,21	607,54	2.229,12	2.836,67	159.423,08	150.883,08	240.576,92	391.460,00
139	159.423,08	599,17	2.237,50	2.836,67	157.185,58	151.482,25	242.814,42	394.296,67
140	157.185,58	590,76	2.245,91	2.836,67	154.939,67	152.073,00	245.060,33	397.133,33
141	154.939,67	582,31	2.254,35	2.836,67	152.685,32	152.655,32	247.314,68	399.970,00
142	152.685,32	573,84	2.262,82	2.836,67	150.422,49	153.229,16	249.577,51	402.806,67
143	150.422,49	565,34	2.271,33	2.836,67	148.151,17	153.794,50	251.848,83	405.643,33
144	148.151,17	556,80	2.279,87	2.836,67	145.871,30	154.351,30	254.128,70	408.480,00
145	145.871,30	548,23	2.288,43	2.836,67	143.582,87	154.899,53	256.417,13	411.316,67
146	143.582,87	539,63	2.297,03	2.836,67	141.285,83	155.439,17	258.714,17	414.153,33
147	141.285,83	531,00	2.305,67	2.836,67	138.980,16	155.970,16	261.019,84	416.990,00
148	138.980,16	522,33	2.314,33	2.836,67	136.665,83	156.492,50	263.334,17	419.826,67
149	136.665,83	513,64	2.323,03	2.836,67	134.342,80	157.006,13	265.657,20	422.663,33
150	134.342,80	504,91	2.331,76	2.836,67	132.011,04	157.511,04	267.988,96	425.500,00
151	132.011,04	496,14	2.340,53	2.836,67	129.670,51	158.007,18	270.329,49	428.336,67
152	129.670,51	487,35	2.349,32	2.836,67	127.321,19	158.494,53	272.678,81	431.173,33
153	127.321,19	478,52	2.358,15	2.836,67	124.963,04	158.973,04	275.036,96	434.010,00
154	124.963,04	469,65	2.367,01	2.836,67	122.596,03	159.442,69	277.403,97	436.846,67
155	122.596,03	460,76	2.375,91	2.836,67	120.220,12	159.903,45	279.779,88	439.683,33
156	120.220,12	451,83	2.384,84	2.836,67	117.835,28	160.355,28	282.164,72	442.520,00
157	117.835,28	442,86	2.393,80	2.836,67	115.441,48	160.798,14	284.558,52	445.356,67
158	115.441,48	433,87	2.402,80	2.836,67	113.038,68	161.232,01	286.961,32	448.193,33
159	113.038,68	424,84	2.411,83	2.836,67	110.626,85	161.656,85	289.373,15	451.030,00
160	110.626,85	415,77	2.420,89	2.836,67	108.205,95	162.072,62	291.794,05	453.866,67
161	108.205,95	406,67	2.429,99	2.836,67	105.775,96	162.479,29	294.224,04	456.703,33
162	105.775,96	397,54	2.439,13	2.836,67	103.336,83	162.876,83	296.663,17	459.540,00
163	103.336,83	388,37	2.448,29	2.836,67	100.888,54	163.265,21	299.111,46	462.376,67
164	100.888,54	379,17	2.457,49	2.836,67	98.431,05	163.644,38	301.568,95	465.213,33
165	98.431,05	369,94	2.466,73	2.836,67	95.964,32	164.014,32	304.035,68	468.050,00
166	95.964,32	360,67	2.476,00	2.836,67	93.488,32	164.374,98	306.511,68	470.886,67
167	93.488,32	351,36	2.485,31	2.836,67	91.003,01	164.726,34	308.996,99	473.723,33
168	91.003,01	342,02	2.494,65	2.836,67	88.508,36	165.068,36	311.491,64	476.560,00
169	88.508,36	332,64	2.504,02	2.836,67	86.004,34	165.401,01	313.995,66	479.396,67
170	86.004,34	323,23	2.513,43	2.836,67	83.490,91	165.724,24	316.509,09	482.233,33
171	83.490,91	313,79	2.522,88	2.836,67	80.968,03	166.038,03	319.031,97	485.070,00
172	80.968,03	304,30	2.532,36	2.836,67	78.435,67	166.342,33	321.564,33	487.906,67
173	78.435,67	294,79	2.541,88	2.836,67	75.893,79	166.637,12	324.106,21	490.743,33
174	75.893,79	285,23	2.551,43	2.836,67	73.342,35	166.922,35	326.657,65	493.580,00
175	73.342,35	275,65	2.561,02	2.836,67	70.781,33	167.198,00	329.218,67	496.416,67
176	70.781,33	266,02	2.570,65	2.836,67	68.210,69	167.464,02	331.789,31	499.253,33
177	68.210,69	256,36	2.580,31	2.836,67	65.630,38	167.720,38	334.369,62	502.090,00
178	65.630,38	246,66	2.590,01	2.836,67	63.040,37	167.967,04	336.959,63	504.926,67
179	63.040,37	236,93	2.599,74	2.836,67	60.440,63	168.203,97	339.559,37	507.763,33
180	60.440,63	227,16	2.609,51	2.836,67	57.831,12	168.431,12	342.168,88	510.600,00
181	57.831,12	217,35	2.619,32	2.836,67	55.211,80	168.648,47	344.788,20	513.436,67
182	55.211,80	207,50	2.629,16	2.836,67	52.582,64	168.855,97	347.417,36	516.273,33
183	52.582,64	197,62	2.639,04	2.836,67	49.943,60	169.053,60	350.056,40	519.110,00
184	49.943,60	187,70	2.648,96	2.836,67	47.294,64	169.241,30	352.705,36	521.946,67
185	47.294,64	177,75	2.658,92	2.836,67	44.635,72	169.419,05	355.364,28	524.783,33
186	44.635,72	167,76	2.668,91	2.836,67	41.966,81	169.586,81	358.033,19	527.620,00
187	41.966,81	157,73	2.678,94	2.836,67	39.287,87	169.744,53	360.712,13	530.456,67
188	39.287,87	147,66	2.689,01	2.836,67	36.598,86	169.892,19	363.401,14	533.293,33
189	36.598,86	137,55	2.699,12	2.836,67	33.899,74	170.029,74	366.100,26	536.130,00
190	33.899,74	127,41	2.709,26	2.836,67	31.190,48	170.157,15	368.809,52	538.966,67
191	31.190,48	117,22	2.719,44	2.836,67	28.471,04	170.274,37	371.528,96	541.803,33
192	28.471,04	107,00	2.729,66	2.836,67	25.741,37	170.381,37	374.258,63	544.640,00
193	25.741,37	96,74	2.739,92	2.836,67	23.001,45	170.478,12	376.998,55	547.476,67
194	23.001,45	86,45	2.750,22	2.836,67	20.251,23	170.564,57	379.748,77	550.313,33
195	20.251,23	76,11	2.760,56	2.836,67	17.490,68	170.640,68	382.509,32	553.150,00
196	17.490,68	65,74	2.770,93	2.836,67	14.719,75	170.706,41	385.280,25	555.986,67
197	14.719,75	55,32	2.781,34	2.836,67	11.938,40	170.761,73	388.061,60	558.823,33
198	11.938,40	44,87	2.791,80	2.836,67	9.146,60	170.806,60	390.853,40	561.660,00
199	9.146,60	34,38	2.802,29	2.836,67	6.344,31	170.840,98	393.655,69	564.496,67
200	6.344,31	23,84	2.812,82	2.836,67	3.531,49	170.864,82	396.468,51	567.333,33
201	3.531,49	13,27	2.823,39	2.836,67	708,10	170.878,10	399.291,90	570.170,00
202	708,10	2,66	708,10	708,10	708,10	170.880,76	400.000,00	570.880,76

Stand der Daten: 30.07.2026

Voraussetzung für eine Finanzierung ohne Eigenmittel

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

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

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

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

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

Finanzierung der Erwerbsnebenkosten

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

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

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

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

Baufinanzierungen mit und ohne Eigenkapital im direkten Vergleich

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

Auswirkungen der Wohnimmobilien-Kreditrichtlinie

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

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

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

Eigenkapitalersatz – auch das gibt es

KfW

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

Arbeitgeberdarlehen

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

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

Eigenleistung

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

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

Versicherungspolicen

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

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

Kostenloses Angebot für individuelle Baufinanzierung anfordern

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

Weiterführende Informationen

(1) KfW-Programm 124 – KfW-Wohneigentumsprogramm

Vollfinanzierung – Hauskauf ohne Eigenkapital

Der Beleihungsauslauf

Kosten für Immobilien-Vollfinanzierung berechnen

Filter

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

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