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: €

creditweb Baufinanzierung

3.94/5,00

131.380,35€
Zinsanteil

2.416,67€
Monatsrate

3,25%
Sollzins p.a.

3,33%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 150.000,00 €;Kreditrate: 660,00 €;Gesamtbetrag: 39.600,00 €;Anzahl Kreditraten: 60;Laufzeit: 60 Monate;Effektiver Jahreszins: 3,35 %;Gebundener Sollzins: 3,28 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.083,33	1.333,33	2.416,67	398.666,67	1.083,33	1.333,33	2.416,67
2	398.666,67	1.079,72	1.336,94	2.416,67	397.329,72	2.163,06	2.670,28	4.833,33
3	397.329,72	1.076,10	1.340,57	2.416,67	395.989,16	3.239,16	4.010,84	7.250,00
4	395.989,16	1.072,47	1.344,20	2.416,67	394.644,96	4.311,63	5.355,04	9.666,67
5	394.644,96	1.068,83	1.347,84	2.416,67	393.297,12	5.380,46	6.702,88	12.083,33
6	393.297,12	1.065,18	1.351,49	2.416,67	391.945,64	6.445,64	8.054,36	14.500,00
7	391.945,64	1.061,52	1.355,15	2.416,67	390.590,49	7.507,16	9.409,51	16.916,67
8	390.590,49	1.057,85	1.358,82	2.416,67	389.231,67	8.565,01	10.768,33	19.333,33
9	389.231,67	1.054,17	1.362,50	2.416,67	387.869,18	9.619,18	12.130,82	21.750,00
10	387.869,18	1.050,48	1.366,19	2.416,67	386.502,99	10.669,65	13.497,01	24.166,67
11	386.502,99	1.046,78	1.369,89	2.416,67	385.133,10	11.716,43	14.866,90	26.583,33
12	385.133,10	1.043,07	1.373,60	2.416,67	383.759,50	12.759,50	16.240,50	29.000,00
13	383.759,50	1.039,35	1.377,32	2.416,67	382.382,18	13.798,85	17.617,82	31.416,67
14	382.382,18	1.035,62	1.381,05	2.416,67	381.001,14	14.834,47	18.998,86	33.833,33
15	381.001,14	1.031,88	1.384,79	2.416,67	379.616,35	15.866,35	20.383,65	36.250,00
16	379.616,35	1.028,13	1.388,54	2.416,67	378.227,81	16.894,47	21.772,19	38.666,67
17	378.227,81	1.024,37	1.392,30	2.416,67	376.835,51	17.918,84	23.164,49	41.083,33
18	376.835,51	1.020,60	1.396,07	2.416,67	375.439,44	18.939,44	24.560,56	43.500,00
19	375.439,44	1.016,82	1.399,85	2.416,67	374.039,59	19.956,25	25.960,41	45.916,67
20	374.039,59	1.013,02	1.403,64	2.416,67	372.635,94	20.969,28	27.364,06	48.333,33
21	372.635,94	1.009,22	1.407,44	2.416,67	371.228,50	21.978,50	28.771,50	50.750,00
22	371.228,50	1.005,41	1.411,26	2.416,67	369.817,24	22.983,91	30.182,76	53.166,67
23	369.817,24	1.001,59	1.415,08	2.416,67	368.402,16	23.985,50	31.597,84	55.583,33
24	368.402,16	997,76	1.418,91	2.416,67	366.983,25	24.983,25	33.016,75	58.000,00
25	366.983,25	993,91	1.422,75	2.416,67	365.560,50	25.977,17	34.439,50	60.416,67
26	365.560,50	990,06	1.426,61	2.416,67	364.133,89	26.967,23	35.866,11	62.833,33
27	364.133,89	986,20	1.430,47	2.416,67	362.703,42	27.953,42	37.296,58	65.250,00
28	362.703,42	982,32	1.434,34	2.416,67	361.269,08	28.935,74	38.730,92	67.666,67
29	361.269,08	978,44	1.438,23	2.416,67	359.830,85	29.914,18	40.169,15	70.083,33
30	359.830,85	974,54	1.442,12	2.416,67	358.388,72	30.888,72	41.611,28	72.500,00
31	358.388,72	970,64	1.446,03	2.416,67	356.942,69	31.859,36	43.057,31	74.916,67
32	356.942,69	966,72	1.449,95	2.416,67	355.492,75	32.826,08	44.507,25	77.333,33
33	355.492,75	962,79	1.453,87	2.416,67	354.038,87	33.788,87	45.961,13	79.750,00
34	354.038,87	958,86	1.457,81	2.416,67	352.581,06	34.747,73	47.418,94	82.166,67
35	352.581,06	954,91	1.461,76	2.416,67	351.119,30	35.702,63	48.880,70	84.583,33
36	351.119,30	950,95	1.465,72	2.416,67	349.653,58	36.653,58	50.346,42	87.000,00
37	349.653,58	946,98	1.469,69	2.416,67	348.183,89	37.600,56	51.816,11	89.416,67
38	348.183,89	943,00	1.473,67	2.416,67	346.710,23	38.543,56	53.289,77	91.833,33
39	346.710,23	939,01	1.477,66	2.416,67	345.232,57	39.482,57	54.767,43	94.250,00
40	345.232,57	935,00	1.481,66	2.416,67	343.750,90	40.417,57	56.249,10	96.666,67
41	343.750,90	930,99	1.485,67	2.416,67	342.265,23	41.348,56	57.734,77	99.083,33
42	342.265,23	926,97	1.489,70	2.416,67	340.775,53	42.275,53	59.224,47	101.500,00
43	340.775,53	922,93	1.493,73	2.416,67	339.281,80	43.198,46	60.718,20	103.916,67
44	339.281,80	918,89	1.497,78	2.416,67	337.784,02	44.117,35	62.215,98	106.333,33
45	337.784,02	914,83	1.501,83	2.416,67	336.282,18	45.032,18	63.717,82	108.750,00
46	336.282,18	910,76	1.505,90	2.416,67	334.776,28	45.942,95	65.223,72	111.166,67
47	334.776,28	906,69	1.509,98	2.416,67	333.266,30	46.849,63	66.733,70	113.583,33
48	333.266,30	902,60	1.514,07	2.416,67	331.752,23	47.752,23	68.247,77	116.000,00
49	331.752,23	898,50	1.518,17	2.416,67	330.234,06	48.650,73	69.765,94	118.416,67
50	330.234,06	894,38	1.522,28	2.416,67	328.711,78	49.545,11	71.288,22	120.833,33
51	328.711,78	890,26	1.526,41	2.416,67	327.185,37	50.435,37	72.814,63	123.250,00
52	327.185,37	886,13	1.530,54	2.416,67	325.654,83	51.321,50	74.345,17	125.666,67
53	325.654,83	881,98	1.534,68	2.416,67	324.120,15	52.203,48	75.879,85	128.083,33
54	324.120,15	877,83	1.538,84	2.416,67	322.581,31	53.081,31	77.418,69	130.500,00
55	322.581,31	873,66	1.543,01	2.416,67	321.038,30	53.954,96	78.961,70	132.916,67
56	321.038,30	869,48	1.547,19	2.416,67	319.491,11	54.824,44	80.508,89	135.333,33
57	319.491,11	865,29	1.551,38	2.416,67	317.939,73	55.689,73	82.060,27	137.750,00
58	317.939,73	861,09	1.555,58	2.416,67	316.384,15	56.550,82	83.615,85	140.166,67
59	316.384,15	856,87	1.559,79	2.416,67	314.824,36	57.407,69	85.175,64	142.583,33
60	314.824,36	852,65	1.564,02	2.416,67	313.260,34	58.260,34	86.739,66	145.000,00
61	313.260,34	848,41	1.568,25	2.416,67	311.692,09	59.108,75	88.307,91	147.416,67
62	311.692,09	844,17	1.572,50	2.416,67	310.119,59	59.952,92	89.880,41	149.833,33
63	310.119,59	839,91	1.576,76	2.416,67	308.542,83	60.792,83	91.457,17	152.250,00
64	308.542,83	835,64	1.581,03	2.416,67	306.961,80	61.628,46	93.038,20	154.666,67
65	306.961,80	831,35	1.585,31	2.416,67	305.376,49	62.459,82	94.623,51	157.083,33
66	305.376,49	827,06	1.589,61	2.416,67	303.786,88	63.286,88	96.213,12	159.500,00
67	303.786,88	822,76	1.593,91	2.416,67	302.192,97	64.109,64	97.807,03	161.916,67
68	302.192,97	818,44	1.598,23	2.416,67	300.594,74	64.928,08	99.405,26	164.333,33
69	300.594,74	814,11	1.602,56	2.416,67	298.992,19	65.742,19	101.007,81	166.750,00
70	298.992,19	809,77	1.606,90	2.416,67	297.385,29	66.551,96	102.614,71	169.166,67
71	297.385,29	805,42	1.611,25	2.416,67	295.774,04	67.357,38	104.225,96	171.583,33
72	295.774,04	801,05	1.615,61	2.416,67	294.158,43	68.158,43	105.841,57	174.000,00
73	294.158,43	796,68	1.619,99	2.416,67	292.538,44	68.955,11	107.461,56	176.416,67
74	292.538,44	792,29	1.624,38	2.416,67	290.914,07	69.747,40	109.085,93	178.833,33
75	290.914,07	787,89	1.628,77	2.416,67	289.285,29	70.535,29	110.714,71	181.250,00
76	289.285,29	783,48	1.633,19	2.416,67	287.652,11	71.318,77	112.347,89	183.666,67
77	287.652,11	779,06	1.637,61	2.416,67	286.014,50	72.097,83	113.985,50	186.083,33
78	286.014,50	774,62	1.642,04	2.416,67	284.372,45	72.872,45	115.627,55	188.500,00
79	284.372,45	770,18	1.646,49	2.416,67	282.725,96	73.642,63	117.274,04	190.916,67
80	282.725,96	765,72	1.650,95	2.416,67	281.075,01	74.408,35	118.924,99	193.333,33
81	281.075,01	761,24	1.655,42	2.416,67	279.419,59	75.169,59	120.580,41	195.750,00
82	279.419,59	756,76	1.659,91	2.416,67	277.759,69	75.926,35	122.240,31	198.166,67
83	277.759,69	752,27	1.664,40	2.416,67	276.095,28	76.678,62	123.904,72	200.583,33
84	276.095,28	747,76	1.668,91	2.416,67	274.426,38	77.426,38	125.573,62	203.000,00
85	274.426,38	743,24	1.673,43	2.416,67	272.752,95	78.169,61	127.247,05	205.416,67
86	272.752,95	738,71	1.677,96	2.416,67	271.074,99	78.908,32	128.925,01	207.833,33
87	271.074,99	734,16	1.682,51	2.416,67	269.392,48	79.642,48	130.607,52	210.250,00
88	269.392,48	729,60	1.687,06	2.416,67	267.705,42	80.372,09	132.294,58	212.666,67
89	267.705,42	725,04	1.691,63	2.416,67	266.013,79	81.097,12	133.986,21	215.083,33
90	266.013,79	720,45	1.696,21	2.416,67	264.317,58	81.817,58	135.682,42	217.500,00
91	264.317,58	715,86	1.700,81	2.416,67	262.616,77	82.533,44	137.383,23	219.916,67
92	262.616,77	711,25	1.705,41	2.416,67	260.911,36	83.244,69	139.088,64	222.333,33
93	260.911,36	706,63	1.710,03	2.416,67	259.201,32	83.951,32	140.798,68	224.750,00
94	259.201,32	702,00	1.714,66	2.416,67	257.486,66	84.653,33	142.513,34	227.166,67
95	257.486,66	697,36	1.719,31	2.416,67	255.767,35	85.350,69	144.232,65	229.583,33
96	255.767,35	692,70	1.723,96	2.416,67	254.043,39	86.043,39	145.956,61	232.000,00
97	254.043,39	688,03	1.728,63	2.416,67	252.314,76	86.731,43	147.685,24	234.416,67
98	252.314,76	683,35	1.733,31	2.416,67	250.581,44	87.414,78	149.418,56	236.833,33
99	250.581,44	678,66	1.738,01	2.416,67	248.843,44	88.093,44	151.156,56	239.250,00
100	248.843,44	673,95	1.742,72	2.416,67	247.100,72	88.767,39	152.899,28	241.666,67
101	247.100,72	669,23	1.747,44	2.416,67	245.353,28	89.436,62	154.646,72	244.083,33
102	245.353,28	664,50	1.752,17	2.416,67	243.601,12	90.101,12	156.398,88	246.500,00
103	243.601,12	659,75	1.756,91	2.416,67	241.844,20	90.760,87	158.155,80	248.916,67
104	241.844,20	654,99	1.761,67	2.416,67	240.082,53	91.415,86	159.917,47	251.333,33
105	240.082,53	650,22	1.766,44	2.416,67	238.316,09	92.066,09	161.683,91	253.750,00
106	238.316,09	645,44	1.771,23	2.416,67	236.544,86	92.711,53	163.455,14	256.166,67
107	236.544,86	640,64	1.776,02	2.416,67	234.768,84	93.352,17	165.231,16	258.583,33
108	234.768,84	635,83	1.780,83	2.416,67	232.988,00	93.988,00	167.012,00	261.000,00
109	232.988,00	631,01	1.785,66	2.416,67	231.202,34	94.619,01	168.797,66	263.416,67
110	231.202,34	626,17	1.790,49	2.416,67	229.411,85	95.245,18	170.588,15	265.833,33
111	229.411,85	621,32	1.795,34	2.416,67	227.616,51	95.866,51	172.383,49	268.250,00
112	227.616,51	616,46	1.800,21	2.416,67	225.816,30	96.482,97	174.183,70	270.666,67
113	225.816,30	611,59	1.805,08	2.416,67	224.011,22	97.094,55	175.988,78	273.083,33
114	224.011,22	606,70	1.809,97	2.416,67	222.201,25	97.701,25	177.798,75	275.500,00
115	222.201,25	601,80	1.814,87	2.416,67	220.386,38	98.303,05	179.613,62	277.916,67
116	220.386,38	596,88	1.819,79	2.416,67	218.566,59	98.899,93	181.433,41	280.333,33
117	218.566,59	591,95	1.824,72	2.416,67	216.741,88	99.491,88	183.258,12	282.750,00
118	216.741,88	587,01	1.829,66	2.416,67	214.912,22	100.078,89	185.087,78	285.166,67
119	214.912,22	582,05	1.834,61	2.416,67	213.077,61	100.660,94	186.922,39	287.583,33
120	213.077,61	577,09	1.839,58	2.416,67	211.238,03	101.238,03	188.761,97	290.000,00
121	211.238,03	572,10	1.844,56	2.416,67	209.393,46	101.810,13	190.606,54	292.416,67
122	209.393,46	567,11	1.849,56	2.416,67	207.543,90	102.377,24	192.456,10	294.833,33
123	207.543,90	562,10	1.854,57	2.416,67	205.689,33	102.939,33	194.310,67	297.250,00
124	205.689,33	557,08	1.859,59	2.416,67	203.829,74	103.496,41	196.170,26	299.666,67
125	203.829,74	552,04	1.864,63	2.416,67	201.965,12	104.048,45	198.034,88	302.083,33
126	201.965,12	546,99	1.869,68	2.416,67	200.095,44	104.595,44	199.904,56	304.500,00
127	200.095,44	541,93	1.874,74	2.416,67	198.220,70	105.137,36	201.779,30	306.916,67
128	198.220,70	536,85	1.879,82	2.416,67	196.340,88	105.674,21	203.659,12	309.333,33
129	196.340,88	531,76	1.884,91	2.416,67	194.455,97	106.205,97	205.544,03	311.750,00
130	194.455,97	526,65	1.890,02	2.416,67	192.565,95	106.732,62	207.434,05	314.166,67
131	192.565,95	521,53	1.895,13	2.416,67	190.670,82	107.254,15	209.329,18	316.583,33
132	190.670,82	516,40	1.900,27	2.416,67	188.770,55	107.770,55	211.229,45	319.000,00
133	188.770,55	511,25	1.905,41	2.416,67	186.865,14	108.281,80	213.134,86	321.416,67
134	186.865,14	506,09	1.910,57	2.416,67	184.954,56	108.787,90	215.045,44	323.833,33
135	184.954,56	500,92	1.915,75	2.416,67	183.038,82	109.288,82	216.961,18	326.250,00
136	183.038,82	495,73	1.920,94	2.416,67	181.117,88	109.784,55	218.882,12	328.666,67
137	181.117,88	490,53	1.926,14	2.416,67	179.191,74	110.275,07	220.808,26	331.083,33
138	179.191,74	485,31	1.931,36	2.416,67	177.260,39	110.760,39	222.739,61	333.500,00
139	177.260,39	480,08	1.936,59	2.416,67	175.323,80	111.240,47	224.676,20	335.916,67
140	175.323,80	474,84	1.941,83	2.416,67	173.381,97	111.715,30	226.618,03	338.333,33
141	173.381,97	469,58	1.947,09	2.416,67	171.434,88	112.184,88	228.565,12	340.750,00
142	171.434,88	464,30	1.952,36	2.416,67	169.482,51	112.649,18	230.517,49	343.166,67
143	169.482,51	459,02	1.957,65	2.416,67	167.524,86	113.108,19	232.475,14	345.583,33
144	167.524,86	453,71	1.962,95	2.416,67	165.561,91	113.561,91	234.438,09	348.000,00
145	165.561,91	448,40	1.968,27	2.416,67	163.593,64	114.010,30	236.406,36	350.416,67
146	163.593,64	443,07	1.973,60	2.416,67	161.620,04	114.453,37	238.379,96	352.833,33
147	161.620,04	437,72	1.978,95	2.416,67	159.641,09	114.891,09	240.358,91	355.250,00
148	159.641,09	432,36	1.984,31	2.416,67	157.656,79	115.323,45	242.343,21	357.666,67
149	157.656,79	426,99	1.989,68	2.416,67	155.667,11	115.750,44	244.332,89	360.083,33
150	155.667,11	421,60	1.995,07	2.416,67	153.672,04	116.172,04	246.327,96	362.500,00
151	153.672,04	416,20	2.000,47	2.416,67	151.671,57	116.588,23	248.328,43	364.916,67
152	151.671,57	410,78	2.005,89	2.416,67	149.665,68	116.999,01	250.334,32	367.333,33
153	149.665,68	405,34	2.011,32	2.416,67	147.654,36	117.404,36	252.345,64	369.750,00
154	147.654,36	399,90	2.016,77	2.416,67	145.637,59	117.804,25	254.362,41	372.166,67
155	145.637,59	394,44	2.022,23	2.416,67	143.615,35	118.198,69	256.384,65	374.583,33
156	143.615,35	388,96	2.027,71	2.416,67	141.587,65	118.587,65	258.412,35	377.000,00
157	141.587,65	383,47	2.033,20	2.416,67	139.554,45	118.971,11	260.445,55	379.416,67
158	139.554,45	377,96	2.038,71	2.416,67	137.515,74	119.349,07	262.484,26	381.833,33
159	137.515,74	372,44	2.044,23	2.416,67	135.471,51	119.721,51	264.528,49	384.250,00
160	135.471,51	366,90	2.049,76	2.416,67	133.421,75	120.088,41	266.578,25	386.666,67
161	133.421,75	361,35	2.055,32	2.416,67	131.366,43	120.449,76	268.633,57	389.083,33
162	131.366,43	355,78	2.060,88	2.416,67	129.305,55	120.805,55	270.694,45	391.500,00
163	129.305,55	350,20	2.066,46	2.416,67	127.239,08	121.155,75	272.760,92	393.916,67
164	127.239,08	344,61	2.072,06	2.416,67	125.167,02	121.500,36	274.832,98	396.333,33
165	125.167,02	338,99	2.077,67	2.416,67	123.089,35	121.839,35	276.910,65	398.750,00
166	123.089,35	333,37	2.083,30	2.416,67	121.006,05	122.172,72	278.993,95	401.166,67
167	121.006,05	327,72	2.088,94	2.416,67	118.917,11	122.500,44	281.082,89	403.583,33
168	118.917,11	322,07	2.094,60	2.416,67	116.822,51	122.822,51	283.177,49	406.000,00
169	116.822,51	316,39	2.100,27	2.416,67	114.722,24	123.138,90	285.277,76	408.416,67
170	114.722,24	310,71	2.105,96	2.416,67	112.616,28	123.449,61	287.383,72	410.833,33
171	112.616,28	305,00	2.111,66	2.416,67	110.504,61	123.754,61	289.495,39	413.250,00
172	110.504,61	299,28	2.117,38	2.416,67	108.387,23	124.053,90	291.612,77	415.666,67
173	108.387,23	293,55	2.123,12	2.416,67	106.264,11	124.347,44	293.735,89	418.083,33
174	106.264,11	287,80	2.128,87	2.416,67	104.135,24	124.635,24	295.864,76	420.500,00
175	104.135,24	282,03	2.134,63	2.416,67	102.000,61	124.917,28	297.999,39	422.916,67
176	102.000,61	276,25	2.140,42	2.416,67	99.860,19	125.193,53	300.139,81	425.333,33
177	99.860,19	270,45	2.146,21	2.416,67	97.713,98	125.463,98	302.286,02	427.750,00
178	97.713,98	264,64	2.152,02	2.416,67	95.561,96	125.728,62	304.438,04	430.166,67
179	95.561,96	258,81	2.157,85	2.416,67	93.404,10	125.987,44	306.595,90	432.583,33
180	93.404,10	252,97	2.163,70	2.416,67	91.240,41	126.240,41	308.759,59	435.000,00
181	91.240,41	247,11	2.169,56	2.416,67	89.070,85	126.487,52	310.929,15	437.416,67
182	89.070,85	241,23	2.175,43	2.416,67	86.895,42	126.728,75	313.104,58	439.833,33
183	86.895,42	235,34	2.181,32	2.416,67	84.714,09	126.964,09	315.285,91	442.250,00
184	84.714,09	229,43	2.187,23	2.416,67	82.526,86	127.193,53	317.473,14	444.666,67
185	82.526,86	223,51	2.193,16	2.416,67	80.333,70	127.417,04	319.666,30	447.083,33
186	80.333,70	217,57	2.199,10	2.416,67	78.134,61	127.634,61	321.865,39	449.500,00
187	78.134,61	211,61	2.205,05	2.416,67	75.929,55	127.846,22	324.070,45	451.916,67
188	75.929,55	205,64	2.211,02	2.416,67	73.718,53	128.051,86	326.281,47	454.333,33
189	73.718,53	199,65	2.217,01	2.416,67	71.501,52	128.251,52	328.498,48	456.750,00
190	71.501,52	193,65	2.223,02	2.416,67	69.278,50	128.445,17	330.721,50	459.166,67
191	69.278,50	187,63	2.229,04	2.416,67	67.049,46	128.632,80	332.950,54	461.583,33
192	67.049,46	181,59	2.235,07	2.416,67	64.814,39	128.814,39	335.185,61	464.000,00
193	64.814,39	175,54	2.241,13	2.416,67	62.573,26	128.989,93	337.426,74	466.416,67
194	62.573,26	169,47	2.247,20	2.416,67	60.326,06	129.159,40	339.673,94	468.833,33
195	60.326,06	163,38	2.253,28	2.416,67	58.072,78	129.322,78	341.927,22	471.250,00
196	58.072,78	157,28	2.259,39	2.416,67	55.813,39	129.480,06	344.186,61	473.666,67
197	55.813,39	151,16	2.265,51	2.416,67	53.547,89	129.631,22	346.452,11	476.083,33
198	53.547,89	145,03	2.271,64	2.416,67	51.276,25	129.776,25	348.723,75	478.500,00
199	51.276,25	138,87	2.277,79	2.416,67	48.998,45	129.915,12	351.001,55	480.916,67
200	48.998,45	132,70	2.283,96	2.416,67	46.714,49	130.047,83	353.285,51	483.333,33
201	46.714,49	126,52	2.290,15	2.416,67	44.424,34	130.174,34	355.575,66	485.750,00
202	44.424,34	120,32	2.296,35	2.416,67	42.127,99	130.294,66	357.872,01	488.166,67
203	42.127,99	114,10	2.302,57	2.416,67	39.825,42	130.408,76	360.174,58	490.583,33
204	39.825,42	107,86	2.308,81	2.416,67	37.516,62	130.516,62	362.483,38	493.000,00
205	37.516,62	101,61	2.315,06	2.416,67	35.201,56	130.618,22	364.798,44	495.416,67
206	35.201,56	95,34	2.321,33	2.416,67	32.880,23	130.713,56	367.119,77	497.833,33
207	32.880,23	89,05	2.327,62	2.416,67	30.552,61	130.802,61	369.447,39	500.250,00
208	30.552,61	82,75	2.333,92	2.416,67	28.218,69	130.885,36	371.781,31	502.666,67
209	28.218,69	76,43	2.340,24	2.416,67	25.878,45	130.961,78	374.121,55	505.083,33
210	25.878,45	70,09	2.346,58	2.416,67	23.531,87	131.031,87	376.468,13	507.500,00
211	23.531,87	63,73	2.352,93	2.416,67	21.178,94	131.095,60	378.821,06	509.916,67
212	21.178,94	57,36	2.359,31	2.416,67	18.819,63	131.152,96	381.180,37	512.333,33
213	18.819,63	50,97	2.365,70	2.416,67	16.453,93	131.203,93	383.546,07	514.750,00
214	16.453,93	44,56	2.372,10	2.416,67	14.081,83	131.248,50	385.918,17	517.166,67
215	14.081,83	38,14	2.378,53	2.416,67	11.703,30	131.286,63	388.296,70	519.583,33
216	11.703,30	31,70	2.384,97	2.416,67	9.318,33	131.318,33	390.681,67	522.000,00
217	9.318,33	25,24	2.391,43	2.416,67	6.926,90	131.343,57	393.073,10	524.416,67
218	6.926,90	18,76	2.397,91	2.416,67	4.529,00	131.362,33	395.471,00	526.833,33
219	4.529,00	12,27	2.404,40	2.416,67	2.124,59	131.374,59	397.875,41	529.250,00
220	2.124,59	5,75	2.124,59	2.124,59	2.124,59	131.380,35	400.000,00	531.380,35

immo-finanzcheck.de Baufinanzierung

4.18/5,00

Testsieger

132.045,30€
Zinsanteil

2.423,33€
Monatsrate

3,27%
Sollzins p.a.

3,34%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 250.000,00 €;Kreditrate: 1.058,00 €;Gesamtbetrag: 126.960,00 €;Anzahl Kreditraten: 1440;Laufzeit: 120 Monate;Effektiver Jahreszins: 3,09 %;Gebundener Sollzins: 3,08 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.090,00	1.333,33	2.423,33	398.666,67	1.090,00	1.333,33	2.423,33
2	398.666,67	1.086,37	1.336,97	2.423,33	397.329,70	2.176,37	2.670,30	4.846,67
3	397.329,70	1.082,72	1.340,61	2.423,33	395.989,09	3.259,09	4.010,91	7.270,00
4	395.989,09	1.079,07	1.344,26	2.423,33	394.644,83	4.338,16	5.355,17	9.693,33
5	394.644,83	1.075,41	1.347,93	2.423,33	393.296,90	5.413,57	6.703,10	12.116,67
6	393.296,90	1.071,73	1.351,60	2.423,33	391.945,30	6.485,30	8.054,70	14.540,00
7	391.945,30	1.068,05	1.355,28	2.423,33	390.590,02	7.553,35	9.409,98	16.963,33
8	390.590,02	1.064,36	1.358,98	2.423,33	389.231,04	8.617,71	10.768,96	19.386,67
9	389.231,04	1.060,65	1.362,68	2.423,33	387.868,36	9.678,36	12.131,64	21.810,00
10	387.868,36	1.056,94	1.366,39	2.423,33	386.501,97	10.735,31	13.498,03	24.233,33
11	386.501,97	1.053,22	1.370,12	2.423,33	385.131,86	11.788,52	14.868,14	26.656,67
12	385.131,86	1.049,48	1.373,85	2.423,33	383.758,01	12.838,01	16.241,99	29.080,00
13	383.758,01	1.045,74	1.377,59	2.423,33	382.380,42	13.883,75	17.619,58	31.503,33
14	382.380,42	1.041,99	1.381,35	2.423,33	380.999,07	14.925,74	19.000,93	33.926,67
15	380.999,07	1.038,22	1.385,11	2.423,33	379.613,96	15.963,96	20.386,04	36.350,00
16	379.613,96	1.034,45	1.388,89	2.423,33	378.225,07	16.998,41	21.774,93	38.773,33
17	378.225,07	1.030,66	1.392,67	2.423,33	376.832,40	18.029,07	23.167,60	41.196,67
18	376.832,40	1.026,87	1.396,47	2.423,33	375.435,94	19.055,94	24.564,06	43.620,00
19	375.435,94	1.023,06	1.400,27	2.423,33	374.035,67	20.079,00	25.964,33	46.043,33
20	374.035,67	1.019,25	1.404,09	2.423,33	372.631,58	21.098,25	27.368,42	48.466,67
21	372.631,58	1.015,42	1.407,91	2.423,33	371.223,67	22.113,67	28.776,33	50.890,00
22	371.223,67	1.011,58	1.411,75	2.423,33	369.811,92	23.125,25	30.188,08	53.313,33
23	369.811,92	1.007,74	1.415,60	2.423,33	368.396,32	24.132,99	31.603,68	55.736,67
24	368.396,32	1.003,88	1.419,45	2.423,33	366.976,87	25.136,87	33.023,13	58.160,00
25	366.976,87	1.000,01	1.423,32	2.423,33	365.553,55	26.136,88	34.446,45	60.583,33
26	365.553,55	996,13	1.427,20	2.423,33	364.126,35	27.133,02	35.873,65	63.006,67
27	364.126,35	992,24	1.431,09	2.423,33	362.695,26	28.125,26	37.304,74	65.430,00
28	362.695,26	988,34	1.434,99	2.423,33	361.260,27	29.113,61	38.739,73	67.853,33
29	361.260,27	984,43	1.438,90	2.423,33	359.821,37	30.098,04	40.178,63	70.276,67
30	359.821,37	980,51	1.442,82	2.423,33	358.378,55	31.078,55	41.621,45	72.700,00
31	358.378,55	976,58	1.446,75	2.423,33	356.931,80	32.055,13	43.068,20	75.123,33
32	356.931,80	972,64	1.450,69	2.423,33	355.481,11	33.027,77	44.518,89	77.546,67
33	355.481,11	968,69	1.454,65	2.423,33	354.026,46	33.996,46	45.973,54	79.970,00
34	354.026,46	964,72	1.458,61	2.423,33	352.567,85	34.961,18	47.432,15	82.393,33
35	352.567,85	960,75	1.462,59	2.423,33	351.105,26	35.921,93	48.894,74	84.816,67
36	351.105,26	956,76	1.466,57	2.423,33	349.638,69	36.878,69	50.361,31	87.240,00
37	349.638,69	952,77	1.470,57	2.423,33	348.168,12	37.831,46	51.831,88	89.663,33
38	348.168,12	948,76	1.474,58	2.423,33	346.693,55	38.780,21	53.306,45	92.086,67
39	346.693,55	944,74	1.478,59	2.423,33	345.214,95	39.724,95	54.785,05	94.510,00
40	345.214,95	940,71	1.482,62	2.423,33	343.732,33	40.665,66	56.267,67	96.933,33
41	343.732,33	936,67	1.486,66	2.423,33	342.245,67	41.602,34	57.754,33	99.356,67
42	342.245,67	932,62	1.490,71	2.423,33	340.754,95	42.534,95	59.245,05	101.780,00
43	340.754,95	928,56	1.494,78	2.423,33	339.260,18	43.463,51	60.739,82	104.203,33
44	339.260,18	924,48	1.498,85	2.423,33	337.761,33	44.388,00	62.238,67	106.626,67
45	337.761,33	920,40	1.502,93	2.423,33	336.258,40	45.308,40	63.741,60	109.050,00
46	336.258,40	916,30	1.507,03	2.423,33	334.751,37	46.224,70	65.248,63	111.473,33
47	334.751,37	912,20	1.511,14	2.423,33	333.240,23	47.136,90	66.759,77	113.896,67
48	333.240,23	908,08	1.515,25	2.423,33	331.724,98	48.044,98	68.275,02	116.320,00
49	331.724,98	903,95	1.519,38	2.423,33	330.205,59	48.948,93	69.794,41	118.743,33
50	330.205,59	899,81	1.523,52	2.423,33	328.682,07	49.848,74	71.317,93	121.166,67
51	328.682,07	895,66	1.527,67	2.423,33	327.154,40	50.744,40	72.845,60	123.590,00
52	327.154,40	891,50	1.531,84	2.423,33	325.622,56	51.635,89	74.377,44	126.013,33
53	325.622,56	887,32	1.536,01	2.423,33	324.086,55	52.523,21	75.913,45	128.436,67
54	324.086,55	883,14	1.540,20	2.423,33	322.546,35	53.406,35	77.453,65	130.860,00
55	322.546,35	878,94	1.544,39	2.423,33	321.001,96	54.285,29	78.998,04	133.283,33
56	321.001,96	874,73	1.548,60	2.423,33	319.453,35	55.160,02	80.546,65	135.706,67
57	319.453,35	870,51	1.552,82	2.423,33	317.900,53	56.030,53	82.099,47	138.130,00
58	317.900,53	866,28	1.557,05	2.423,33	316.343,47	56.896,81	83.656,53	140.553,33
59	316.343,47	862,04	1.561,30	2.423,33	314.782,18	57.758,84	85.217,82	142.976,67
60	314.782,18	857,78	1.565,55	2.423,33	313.216,63	58.616,63	86.783,37	145.400,00
61	313.216,63	853,52	1.569,82	2.423,33	311.646,81	59.470,14	88.353,19	147.823,33
62	311.646,81	849,24	1.574,10	2.423,33	310.072,71	60.319,38	89.927,29	150.246,67
63	310.072,71	844,95	1.578,39	2.423,33	308.494,33	61.164,33	91.505,67	152.670,00
64	308.494,33	840,65	1.582,69	2.423,33	306.911,64	62.004,97	93.088,36	155.093,33
65	306.911,64	836,33	1.587,00	2.423,33	305.324,64	62.841,31	94.675,36	157.516,67
66	305.324,64	832,01	1.591,32	2.423,33	303.733,32	63.673,32	96.266,68	159.940,00
67	303.733,32	827,67	1.595,66	2.423,33	302.137,66	64.500,99	97.862,34	162.363,33
68	302.137,66	823,33	1.600,01	2.423,33	300.537,65	65.324,32	99.462,35	164.786,67
69	300.537,65	818,97	1.604,37	2.423,33	298.933,28	66.143,28	101.066,72	167.210,00
70	298.933,28	814,59	1.608,74	2.423,33	297.324,54	66.957,87	102.675,46	169.633,33
71	297.324,54	810,21	1.613,12	2.423,33	295.711,42	67.768,08	104.288,58	172.056,67
72	295.711,42	805,81	1.617,52	2.423,33	294.093,90	68.573,90	105.906,10	174.480,00
73	294.093,90	801,41	1.621,93	2.423,33	292.471,97	69.375,30	107.528,03	176.903,33
74	292.471,97	796,99	1.626,35	2.423,33	290.845,62	70.172,29	109.154,38	179.326,67
75	290.845,62	792,55	1.630,78	2.423,33	289.214,84	70.964,84	110.785,16	181.750,00
76	289.214,84	788,11	1.635,22	2.423,33	287.579,62	71.752,95	112.420,38	184.173,33
77	287.579,62	783,65	1.639,68	2.423,33	285.939,94	72.536,61	114.060,06	186.596,67
78	285.939,94	779,19	1.644,15	2.423,33	284.295,79	73.315,79	115.704,21	189.020,00
79	284.295,79	774,71	1.648,63	2.423,33	282.647,17	74.090,50	117.352,83	191.443,33
80	282.647,17	770,21	1.653,12	2.423,33	280.994,05	74.860,71	119.005,95	193.866,67
81	280.994,05	765,71	1.657,62	2.423,33	279.336,42	75.626,42	120.663,58	196.290,00
82	279.336,42	761,19	1.662,14	2.423,33	277.674,28	76.387,61	122.325,72	198.713,33
83	277.674,28	756,66	1.666,67	2.423,33	276.007,61	77.144,28	123.992,39	201.136,67
84	276.007,61	752,12	1.671,21	2.423,33	274.336,40	77.896,40	125.663,60	203.560,00
85	274.336,40	747,57	1.675,77	2.423,33	272.660,63	78.643,96	127.339,37	205.983,33
86	272.660,63	743,00	1.680,33	2.423,33	270.980,30	79.386,96	129.019,70	208.406,67
87	270.980,30	738,42	1.684,91	2.423,33	269.295,39	80.125,39	130.704,61	210.830,00
88	269.295,39	733,83	1.689,50	2.423,33	267.605,88	80.859,22	132.394,12	213.253,33
89	267.605,88	729,23	1.694,11	2.423,33	265.911,78	81.588,44	134.088,22	215.676,67
90	265.911,78	724,61	1.698,72	2.423,33	264.213,05	82.313,05	135.786,95	218.100,00
91	264.213,05	719,98	1.703,35	2.423,33	262.509,70	83.033,03	137.490,30	220.523,33
92	262.509,70	715,34	1.707,99	2.423,33	260.801,70	83.748,37	139.198,30	222.946,67
93	260.801,70	710,68	1.712,65	2.423,33	259.089,06	84.459,06	140.910,94	225.370,00
94	259.089,06	706,02	1.717,32	2.423,33	257.371,74	85.165,07	142.628,26	227.793,33
95	257.371,74	701,34	1.722,00	2.423,33	255.649,74	85.866,41	144.350,26	230.216,67
96	255.649,74	696,65	1.726,69	2.423,33	253.923,06	86.563,06	146.076,94	232.640,00
97	253.923,06	691,94	1.731,39	2.423,33	252.191,66	87.255,00	147.808,34	235.063,33
98	252.191,66	687,22	1.736,11	2.423,33	250.455,55	87.942,22	149.544,45	237.486,67
99	250.455,55	682,49	1.740,84	2.423,33	248.714,71	88.624,71	151.285,29	239.910,00
100	248.714,71	677,75	1.745,59	2.423,33	246.969,13	89.302,46	153.030,87	242.333,33
101	246.969,13	672,99	1.750,34	2.423,33	245.218,78	89.975,45	154.781,22	244.756,67
102	245.218,78	668,22	1.755,11	2.423,33	243.463,67	90.643,67	156.536,33	247.180,00
103	243.463,67	663,44	1.759,89	2.423,33	241.703,78	91.307,11	158.296,22	249.603,33
104	241.703,78	658,64	1.764,69	2.423,33	239.939,09	91.965,75	160.060,91	252.026,67
105	239.939,09	653,83	1.769,50	2.423,33	238.169,59	92.619,59	161.830,41	254.450,00
106	238.169,59	649,01	1.774,32	2.423,33	236.395,26	93.268,60	163.604,74	256.873,33
107	236.395,26	644,18	1.779,16	2.423,33	234.616,11	93.912,78	165.383,89	259.296,67
108	234.616,11	639,33	1.784,00	2.423,33	232.832,10	94.552,10	167.167,90	261.720,00
109	232.832,10	634,47	1.788,87	2.423,33	231.043,24	95.186,57	168.956,76	264.143,33
110	231.043,24	629,59	1.793,74	2.423,33	229.249,50	95.816,16	170.750,50	266.566,67
111	229.249,50	624,70	1.798,63	2.423,33	227.450,87	96.440,87	172.549,13	268.990,00
112	227.450,87	619,80	1.803,53	2.423,33	225.647,34	97.060,67	174.352,66	271.413,33
113	225.647,34	614,89	1.808,44	2.423,33	223.838,90	97.675,56	176.161,10	273.836,67
114	223.838,90	609,96	1.813,37	2.423,33	222.025,52	98.285,52	177.974,48	276.260,00
115	222.025,52	605,02	1.818,31	2.423,33	220.207,21	98.890,54	179.792,79	278.683,33
116	220.207,21	600,06	1.823,27	2.423,33	218.383,94	99.490,61	181.616,06	281.106,67
117	218.383,94	595,10	1.828,24	2.423,33	216.555,70	100.085,70	183.444,30	283.530,00
118	216.555,70	590,11	1.833,22	2.423,33	214.722,48	100.675,82	185.277,52	285.953,33
119	214.722,48	585,12	1.838,21	2.423,33	212.884,27	101.260,94	187.115,73	288.376,67
120	212.884,27	580,11	1.843,22	2.423,33	211.041,05	101.841,05	188.958,95	290.800,00
121	211.041,05	575,09	1.848,25	2.423,33	209.192,80	102.416,13	190.807,20	293.223,33
122	209.192,80	570,05	1.853,28	2.423,33	207.339,52	102.986,18	192.660,48	295.646,67
123	207.339,52	565,00	1.858,33	2.423,33	205.481,18	103.551,18	194.518,82	298.070,00
124	205.481,18	559,94	1.863,40	2.423,33	203.617,79	104.111,12	196.382,21	300.493,33
125	203.617,79	554,86	1.868,47	2.423,33	201.749,31	104.665,98	198.250,69	302.916,67
126	201.749,31	549,77	1.873,57	2.423,33	199.875,74	105.215,74	200.124,26	305.340,00
127	199.875,74	544,66	1.878,67	2.423,33	197.997,07	105.760,41	202.002,93	307.763,33
128	197.997,07	539,54	1.883,79	2.423,33	196.113,28	106.299,95	203.886,72	310.186,67
129	196.113,28	534,41	1.888,92	2.423,33	194.224,36	106.834,36	205.775,64	312.610,00
130	194.224,36	529,26	1.894,07	2.423,33	192.330,29	107.363,62	207.669,71	315.033,33
131	192.330,29	524,10	1.899,23	2.423,33	190.431,05	107.887,72	209.568,95	317.456,67
132	190.431,05	518,92	1.904,41	2.423,33	188.526,64	108.406,64	211.473,36	319.880,00
133	188.526,64	513,74	1.909,60	2.423,33	186.617,04	108.920,38	213.382,96	322.303,33
134	186.617,04	508,53	1.914,80	2.423,33	184.702,24	109.428,91	215.297,76	324.726,67
135	184.702,24	503,31	1.920,02	2.423,33	182.782,22	109.932,22	217.217,78	327.150,00
136	182.782,22	498,08	1.925,25	2.423,33	180.856,97	110.430,30	219.143,03	329.573,33
137	180.856,97	492,84	1.930,50	2.423,33	178.926,47	110.923,14	221.073,53	331.996,67
138	178.926,47	487,57	1.935,76	2.423,33	176.990,71	111.410,71	223.009,29	334.420,00
139	176.990,71	482,30	1.941,03	2.423,33	175.049,68	111.893,01	224.950,32	336.843,33
140	175.049,68	477,01	1.946,32	2.423,33	173.103,36	112.370,02	226.896,64	339.266,67
141	173.103,36	471,71	1.951,63	2.423,33	171.151,73	112.841,73	228.848,27	341.690,00
142	171.151,73	466,39	1.956,94	2.423,33	169.194,79	113.308,12	230.805,21	344.113,33
143	169.194,79	461,06	1.962,28	2.423,33	167.232,51	113.769,18	232.767,49	346.536,67
144	167.232,51	455,71	1.967,62	2.423,33	165.264,88	114.224,88	234.735,12	348.960,00
145	165.264,88	450,35	1.972,99	2.423,33	163.291,90	114.675,23	236.708,10	351.383,33
146	163.291,90	444,97	1.978,36	2.423,33	161.313,53	115.120,20	238.686,47	353.806,67
147	161.313,53	439,58	1.983,75	2.423,33	159.329,78	115.559,78	240.670,22	356.230,00
148	159.329,78	434,17	1.989,16	2.423,33	157.340,62	115.993,95	242.659,38	358.653,33
149	157.340,62	428,75	1.994,58	2.423,33	155.346,04	116.422,71	244.653,96	361.076,67
150	155.346,04	423,32	2.000,02	2.423,33	153.346,03	116.846,03	246.653,97	363.500,00
151	153.346,03	417,87	2.005,47	2.423,33	151.340,56	117.263,89	248.659,44	365.923,33
152	151.340,56	412,40	2.010,93	2.423,33	149.329,63	117.676,30	250.670,37	368.346,67
153	149.329,63	406,92	2.016,41	2.423,33	147.313,22	118.083,22	252.686,78	370.770,00
154	147.313,22	401,43	2.021,90	2.423,33	145.291,32	118.484,65	254.708,68	373.193,33
155	145.291,32	395,92	2.027,41	2.423,33	143.263,90	118.880,57	256.736,10	375.616,67
156	143.263,90	390,39	2.032,94	2.423,33	141.230,96	119.270,96	258.769,04	378.040,00
157	141.230,96	384,85	2.038,48	2.423,33	139.192,48	119.655,82	260.807,52	380.463,33
158	139.192,48	379,30	2.044,03	2.423,33	137.148,45	120.035,12	262.851,55	382.886,67
159	137.148,45	373,73	2.049,60	2.423,33	135.098,84	120.408,84	264.901,16	385.310,00
160	135.098,84	368,14	2.055,19	2.423,33	133.043,66	120.776,99	266.956,34	387.733,33
161	133.043,66	362,54	2.060,79	2.423,33	130.982,87	121.139,53	269.017,13	390.156,67
162	130.982,87	356,93	2.066,41	2.423,33	128.916,46	121.496,46	271.083,54	392.580,00
163	128.916,46	351,30	2.072,04	2.423,33	126.844,43	121.847,76	273.155,57	395.003,33
164	126.844,43	345,65	2.077,68	2.423,33	124.766,74	122.193,41	275.233,26	397.426,67
165	124.766,74	339,99	2.083,34	2.423,33	122.683,40	122.533,40	277.316,60	399.850,00
166	122.683,40	334,31	2.089,02	2.423,33	120.594,38	122.867,71	279.405,62	402.273,33
167	120.594,38	328,62	2.094,71	2.423,33	118.499,66	123.196,33	281.500,34	404.696,67
168	118.499,66	322,91	2.100,42	2.423,33	116.399,24	123.519,24	283.600,76	407.120,00
169	116.399,24	317,19	2.106,15	2.423,33	114.293,10	123.836,43	285.706,90	409.543,33
170	114.293,10	311,45	2.111,88	2.423,33	112.181,21	124.147,88	287.818,79	411.966,67
171	112.181,21	305,69	2.117,64	2.423,33	110.063,57	124.453,57	289.936,43	414.390,00
172	110.063,57	299,92	2.123,41	2.423,33	107.940,16	124.753,50	292.059,84	416.813,33
173	107.940,16	294,14	2.129,20	2.423,33	105.810,97	125.047,63	294.189,03	419.236,67
174	105.810,97	288,33	2.135,00	2.423,33	103.675,97	125.335,97	296.324,03	421.660,00
175	103.675,97	282,52	2.140,82	2.423,33	101.535,15	125.618,49	298.464,85	424.083,33
176	101.535,15	276,68	2.146,65	2.423,33	99.388,50	125.895,17	300.611,50	426.506,67
177	99.388,50	270,83	2.152,50	2.423,33	97.236,00	126.166,00	302.764,00	428.930,00
178	97.236,00	264,97	2.158,37	2.423,33	95.077,64	126.430,97	304.922,36	431.353,33
179	95.077,64	259,09	2.164,25	2.423,33	92.913,39	126.690,06	307.086,61	433.776,67
180	92.913,39	253,19	2.170,14	2.423,33	90.743,25	126.943,25	309.256,75	436.200,00
181	90.743,25	247,28	2.176,06	2.423,33	88.567,19	127.190,52	311.432,81	438.623,33
182	88.567,19	241,35	2.181,99	2.423,33	86.385,20	127.431,87	313.614,80	441.046,67
183	86.385,20	235,40	2.187,93	2.423,33	84.197,27	127.667,27	315.802,73	443.470,00
184	84.197,27	229,44	2.193,90	2.423,33	82.003,37	127.896,70	317.996,63	445.893,33
185	82.003,37	223,46	2.199,87	2.423,33	79.803,50	128.120,16	320.196,50	448.316,67
186	79.803,50	217,46	2.205,87	2.423,33	77.597,63	128.337,63	322.402,37	450.740,00
187	77.597,63	211,45	2.211,88	2.423,33	75.385,75	128.549,08	324.614,25	453.163,33
188	75.385,75	205,43	2.217,91	2.423,33	73.167,84	128.754,51	326.832,16	455.586,67
189	73.167,84	199,38	2.223,95	2.423,33	70.943,89	128.953,89	329.056,11	458.010,00
190	70.943,89	193,32	2.230,01	2.423,33	68.713,88	129.147,21	331.286,12	460.433,33
191	68.713,88	187,25	2.236,09	2.423,33	66.477,79	129.334,46	333.522,21	462.856,67
192	66.477,79	181,15	2.242,18	2.423,33	64.235,61	129.515,61	335.764,39	465.280,00
193	64.235,61	175,04	2.248,29	2.423,33	61.987,32	129.690,65	338.012,68	467.703,33
194	61.987,32	168,92	2.254,42	2.423,33	59.732,90	129.859,57	340.267,10	470.126,67
195	59.732,90	162,77	2.260,56	2.423,33	57.472,34	130.022,34	342.527,66	472.550,00
196	57.472,34	156,61	2.266,72	2.423,33	55.205,62	130.178,95	344.794,38	474.973,33
197	55.205,62	150,44	2.272,90	2.423,33	52.932,72	130.329,39	347.067,28	477.396,67
198	52.932,72	144,24	2.279,09	2.423,33	50.653,63	130.473,63	349.346,37	479.820,00
199	50.653,63	138,03	2.285,30	2.423,33	48.368,33	130.611,66	351.631,67	482.243,33
200	48.368,33	131,80	2.291,53	2.423,33	46.076,80	130.743,46	353.923,20	484.666,67
201	46.076,80	125,56	2.297,77	2.423,33	43.779,02	130.869,02	356.220,98	487.090,00
202	43.779,02	119,30	2.304,04	2.423,33	41.474,99	130.988,32	358.525,01	489.513,33
203	41.474,99	113,02	2.310,31	2.423,33	39.164,67	131.101,34	360.835,33	491.936,67
204	39.164,67	106,72	2.316,61	2.423,33	36.848,06	131.208,06	363.151,94	494.360,00
205	36.848,06	100,41	2.322,92	2.423,33	34.525,14	131.308,47	365.474,86	496.783,33
206	34.525,14	94,08	2.329,25	2.423,33	32.195,89	131.402,55	367.804,11	499.206,67
207	32.195,89	87,73	2.335,60	2.423,33	29.860,29	131.490,29	370.139,71	501.630,00
208	29.860,29	81,37	2.341,96	2.423,33	27.518,32	131.571,66	372.481,68	504.053,33
209	27.518,32	74,99	2.348,35	2.423,33	25.169,98	131.646,65	374.830,02	506.476,67
210	25.169,98	68,59	2.354,75	2.423,33	22.815,23	131.715,23	377.184,77	508.900,00
211	22.815,23	62,17	2.361,16	2.423,33	20.454,07	131.777,41	379.545,93	511.323,33
212	20.454,07	55,74	2.367,60	2.423,33	18.086,48	131.833,14	381.913,52	513.746,67
213	18.086,48	49,29	2.374,05	2.423,33	15.712,43	131.882,43	384.287,57	516.170,00
214	15.712,43	42,82	2.380,52	2.423,33	13.331,91	131.925,24	386.668,09	518.593,33
215	13.331,91	36,33	2.387,00	2.423,33	10.944,91	131.961,57	389.055,09	521.016,67
216	10.944,91	29,82	2.393,51	2.423,33	8.551,40	131.991,40	391.448,60	523.440,00
217	8.551,40	23,30	2.400,03	2.423,33	6.151,37	132.014,70	393.848,63	525.863,33
218	6.151,37	16,76	2.406,57	2.423,33	3.744,80	132.031,46	396.255,20	528.286,67
219	3.744,80	10,20	2.413,13	2.423,33	1.331,67	132.041,67	398.668,33	530.710,00
220	1.331,67	3,63	1.331,67	1.331,67	1.331,67	132.045,30	400.000,00	532.045,30

DTW Baufinanzierung

4.04/5,00

132.377,01€
Zinsanteil

2.426,67€
Monatsrate

3,28%
Sollzins p.a.

3,33%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 200.000,00 €;Kreditrate: 960,00 €;Gesamtbetrag: 172.800,00 €;Anzahl Kreditraten: 180;Laufzeit: 339 Monate;Effektiver Jahreszins: 3,83 %;Gebundener Sollzins: 3,76 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.093,33	1.333,33	2.426,67	398.666,67	1.093,33	1.333,33	2.426,67
2	398.666,67	1.089,69	1.336,98	2.426,67	397.329,69	2.183,02	2.670,31	4.853,33
3	397.329,69	1.086,03	1.340,63	2.426,67	395.989,06	3.269,06	4.010,94	7.280,00
4	395.989,06	1.082,37	1.344,30	2.426,67	394.644,76	4.351,43	5.355,24	9.706,67
5	394.644,76	1.078,70	1.347,97	2.426,67	393.296,79	5.430,12	6.703,21	12.133,33
6	393.296,79	1.075,01	1.351,66	2.426,67	391.945,13	6.505,13	8.054,87	14.560,00
7	391.945,13	1.071,32	1.355,35	2.426,67	390.589,78	7.576,45	9.410,22	16.986,67
8	390.589,78	1.067,61	1.359,05	2.426,67	389.230,73	8.644,06	10.769,27	19.413,33
9	389.230,73	1.063,90	1.362,77	2.426,67	387.867,96	9.707,96	12.132,04	21.840,00
10	387.867,96	1.060,17	1.366,49	2.426,67	386.501,47	10.768,13	13.498,53	24.266,67
11	386.501,47	1.056,44	1.370,23	2.426,67	385.131,24	11.824,57	14.868,76	26.693,33
12	385.131,24	1.052,69	1.373,97	2.426,67	383.757,26	12.877,26	16.242,74	29.120,00
13	383.757,26	1.048,94	1.377,73	2.426,67	382.379,53	13.926,20	17.620,47	31.546,67
14	382.379,53	1.045,17	1.381,50	2.426,67	380.998,04	14.971,37	19.001,96	33.973,33
15	380.998,04	1.041,39	1.385,27	2.426,67	379.612,76	16.012,76	20.387,24	36.400,00
16	379.612,76	1.037,61	1.389,06	2.426,67	378.223,71	17.050,37	21.776,29	38.826,67
17	378.223,71	1.033,81	1.392,86	2.426,67	376.830,85	18.084,18	23.169,15	41.253,33
18	376.830,85	1.030,00	1.396,66	2.426,67	375.434,19	19.114,19	24.565,81	43.680,00
19	375.434,19	1.026,19	1.400,48	2.426,67	374.033,71	20.140,37	25.966,29	46.106,67
20	374.033,71	1.022,36	1.404,31	2.426,67	372.629,40	21.162,73	27.370,60	48.533,33
21	372.629,40	1.018,52	1.408,15	2.426,67	371.221,25	22.181,25	28.778,75	50.960,00
22	371.221,25	1.014,67	1.412,00	2.426,67	369.809,26	23.195,92	30.190,74	53.386,67
23	369.809,26	1.010,81	1.415,85	2.426,67	368.393,40	24.206,74	31.606,60	55.813,33
24	368.393,40	1.006,94	1.419,72	2.426,67	366.973,68	25.213,68	33.026,32	58.240,00
25	366.973,68	1.003,06	1.423,61	2.426,67	365.550,07	26.216,74	34.449,93	60.666,67
26	365.550,07	999,17	1.427,50	2.426,67	364.122,58	27.215,91	35.877,42	63.093,33
27	364.122,58	995,27	1.431,40	2.426,67	362.691,18	28.211,18	37.308,82	65.520,00
28	362.691,18	991,36	1.435,31	2.426,67	361.255,87	29.202,53	38.744,13	67.946,67
29	361.255,87	987,43	1.439,23	2.426,67	359.816,63	30.189,97	40.183,37	70.373,33
30	359.816,63	983,50	1.443,17	2.426,67	358.373,47	31.173,47	41.626,53	72.800,00
31	358.373,47	979,55	1.447,11	2.426,67	356.926,35	32.153,02	43.073,65	75.226,67
32	356.926,35	975,60	1.451,07	2.426,67	355.475,29	33.128,62	44.524,71	77.653,33
33	355.475,29	971,63	1.455,03	2.426,67	354.020,25	34.100,25	45.979,75	80.080,00
34	354.020,25	967,66	1.459,01	2.426,67	352.561,24	35.067,91	47.438,76	82.506,67
35	352.561,24	963,67	1.463,00	2.426,67	351.098,24	36.031,57	48.901,76	84.933,33
36	351.098,24	959,67	1.467,00	2.426,67	349.631,24	36.991,24	50.368,76	87.360,00
37	349.631,24	955,66	1.471,01	2.426,67	348.160,23	37.946,90	51.839,77	89.786,67
38	348.160,23	951,64	1.475,03	2.426,67	346.685,21	38.898,54	53.314,79	92.213,33
39	346.685,21	947,61	1.479,06	2.426,67	345.206,15	39.846,15	54.793,85	94.640,00
40	345.206,15	943,56	1.483,10	2.426,67	343.723,04	40.789,71	56.276,96	97.066,67
41	343.723,04	939,51	1.487,16	2.426,67	342.235,89	41.729,22	57.764,11	99.493,33
42	342.235,89	935,44	1.491,22	2.426,67	340.744,66	42.664,66	59.255,34	101.920,00
43	340.744,66	931,37	1.495,30	2.426,67	339.249,37	43.596,03	60.750,63	104.346,67
44	339.249,37	927,28	1.499,39	2.426,67	337.749,98	44.523,31	62.250,02	106.773,33
45	337.749,98	923,18	1.503,48	2.426,67	336.246,50	45.446,50	63.753,50	109.200,00
46	336.246,50	919,07	1.507,59	2.426,67	334.738,90	46.365,57	65.261,10	111.626,67
47	334.738,90	914,95	1.511,71	2.426,67	333.227,19	47.280,52	66.772,81	114.053,33
48	333.227,19	910,82	1.515,85	2.426,67	331.711,34	48.191,34	68.288,66	116.480,00
49	331.711,34	906,68	1.519,99	2.426,67	330.191,36	49.098,02	69.808,64	118.906,67
50	330.191,36	902,52	1.524,14	2.426,67	328.667,21	50.000,55	71.332,79	121.333,33
51	328.667,21	898,36	1.528,31	2.426,67	327.138,90	50.898,90	72.861,10	123.760,00
52	327.138,90	894,18	1.532,49	2.426,67	325.606,42	51.793,08	74.393,58	126.186,67
53	325.606,42	889,99	1.536,68	2.426,67	324.069,74	52.683,07	75.930,26	128.613,33
54	324.069,74	885,79	1.540,88	2.426,67	322.528,86	53.568,86	77.471,14	131.040,00
55	322.528,86	881,58	1.545,09	2.426,67	320.983,78	54.450,44	79.016,22	133.466,67
56	320.983,78	877,36	1.549,31	2.426,67	319.434,47	55.327,80	80.565,53	135.893,33
57	319.434,47	873,12	1.553,55	2.426,67	317.880,92	56.200,92	82.119,08	138.320,00
58	317.880,92	868,87	1.557,79	2.426,67	316.323,13	57.069,79	83.676,87	140.746,67
59	316.323,13	864,62	1.562,05	2.426,67	314.761,08	57.934,41	85.238,92	143.173,33
60	314.761,08	860,35	1.566,32	2.426,67	313.194,76	58.794,76	86.805,24	145.600,00
61	313.194,76	856,07	1.570,60	2.426,67	311.624,16	59.650,82	88.375,84	148.026,67
62	311.624,16	851,77	1.574,89	2.426,67	310.049,26	60.502,60	89.950,74	150.453,33
63	310.049,26	847,47	1.579,20	2.426,67	308.470,06	61.350,06	91.529,94	152.880,00
64	308.470,06	843,15	1.583,52	2.426,67	306.886,55	62.193,22	93.113,45	155.306,67
65	306.886,55	838,82	1.587,84	2.426,67	305.298,70	63.032,04	94.701,30	157.733,33
66	305.298,70	834,48	1.592,18	2.426,67	303.706,52	63.866,52	96.293,48	160.160,00
67	303.706,52	830,13	1.596,54	2.426,67	302.109,99	64.696,65	97.890,01	162.586,67
68	302.109,99	825,77	1.600,90	2.426,67	300.509,09	65.522,42	99.490,91	165.013,33
69	300.509,09	821,39	1.605,28	2.426,67	298.903,81	66.343,81	101.096,19	167.440,00
70	298.903,81	817,00	1.609,66	2.426,67	297.294,15	67.160,82	102.705,85	169.866,67
71	297.294,15	812,60	1.614,06	2.426,67	295.680,09	67.973,42	104.319,91	172.293,33
72	295.680,09	808,19	1.618,47	2.426,67	294.061,61	68.781,61	105.938,39	174.720,00
73	294.061,61	803,77	1.622,90	2.426,67	292.438,71	69.585,38	107.561,29	177.146,67
74	292.438,71	799,33	1.627,33	2.426,67	290.811,38	70.384,71	109.188,62	179.573,33
75	290.811,38	794,88	1.631,78	2.426,67	289.179,60	71.179,60	110.820,40	182.000,00
76	289.179,60	790,42	1.636,24	2.426,67	287.543,35	71.970,02	112.456,65	184.426,67
77	287.543,35	785,95	1.640,71	2.426,67	285.902,64	72.755,97	114.097,36	186.853,33
78	285.902,64	781,47	1.645,20	2.426,67	284.257,44	73.537,44	115.742,56	189.280,00
79	284.257,44	776,97	1.649,70	2.426,67	282.607,74	74.314,41	117.392,26	191.706,67
80	282.607,74	772,46	1.654,21	2.426,67	280.953,54	75.086,87	119.046,46	194.133,33
81	280.953,54	767,94	1.658,73	2.426,67	279.294,81	75.854,81	120.705,19	196.560,00
82	279.294,81	763,41	1.663,26	2.426,67	277.631,55	76.618,22	122.368,45	198.986,67
83	277.631,55	758,86	1.667,81	2.426,67	275.963,74	77.377,08	124.036,26	201.413,33
84	275.963,74	754,30	1.672,37	2.426,67	274.291,38	78.131,38	125.708,62	203.840,00
85	274.291,38	749,73	1.676,94	2.426,67	272.614,44	78.881,11	127.385,56	206.266,67
86	272.614,44	745,15	1.681,52	2.426,67	270.932,92	79.626,25	129.067,08	208.693,33
87	270.932,92	740,55	1.686,12	2.426,67	269.246,80	80.366,80	130.753,20	211.120,00
88	269.246,80	735,94	1.690,73	2.426,67	267.556,08	81.102,74	132.443,92	213.546,67
89	267.556,08	731,32	1.695,35	2.426,67	265.860,73	81.834,06	134.139,27	215.973,33
90	265.860,73	726,69	1.699,98	2.426,67	264.160,75	82.560,75	135.839,25	218.400,00
91	264.160,75	722,04	1.704,63	2.426,67	262.456,12	83.282,79	137.543,88	220.826,67
92	262.456,12	717,38	1.709,29	2.426,67	260.746,84	84.000,17	139.253,16	223.253,33
93	260.746,84	712,71	1.713,96	2.426,67	259.032,88	84.712,88	140.967,12	225.680,00
94	259.032,88	708,02	1.718,64	2.426,67	257.314,23	85.420,90	142.685,77	228.106,67
95	257.314,23	703,33	1.723,34	2.426,67	255.590,89	86.124,23	144.409,11	230.533,33
96	255.590,89	698,62	1.728,05	2.426,67	253.862,84	86.822,84	146.137,16	232.960,00
97	253.862,84	693,89	1.732,77	2.426,67	252.130,07	87.516,73	147.869,93	235.386,67
98	252.130,07	689,16	1.737,51	2.426,67	250.392,56	88.205,89	149.607,44	237.813,33
99	250.392,56	684,41	1.742,26	2.426,67	248.650,30	88.890,30	151.349,70	240.240,00
100	248.650,30	679,64	1.747,02	2.426,67	246.903,27	89.569,94	153.096,73	242.666,67
101	246.903,27	674,87	1.751,80	2.426,67	245.151,48	90.244,81	154.848,52	245.093,33
102	245.151,48	670,08	1.756,59	2.426,67	243.394,89	90.914,89	156.605,11	247.520,00
103	243.394,89	665,28	1.761,39	2.426,67	241.633,50	91.580,17	158.366,50	249.946,67
104	241.633,50	660,46	1.766,20	2.426,67	239.867,30	92.240,63	160.132,70	252.373,33
105	239.867,30	655,64	1.771,03	2.426,67	238.096,27	92.896,27	161.903,73	254.800,00
106	238.096,27	650,80	1.775,87	2.426,67	236.320,40	93.547,07	163.679,60	257.226,67
107	236.320,40	645,94	1.780,72	2.426,67	234.539,68	94.193,01	165.460,32	259.653,33
108	234.539,68	641,08	1.785,59	2.426,67	232.754,08	94.834,08	167.245,92	262.080,00
109	232.754,08	636,19	1.790,47	2.426,67	230.963,61	95.470,28	169.036,39	264.506,67
110	230.963,61	631,30	1.795,37	2.426,67	229.168,25	96.101,58	170.831,75	266.933,33
111	229.168,25	626,39	1.800,27	2.426,67	227.367,97	96.727,97	172.632,03	269.360,00
112	227.367,97	621,47	1.805,19	2.426,67	225.562,78	97.349,45	174.437,22	271.786,67
113	225.562,78	616,54	1.810,13	2.426,67	223.752,65	97.965,98	176.247,35	274.213,33
114	223.752,65	611,59	1.815,08	2.426,67	221.937,57	98.577,57	178.062,43	276.640,00
115	221.937,57	606,63	1.820,04	2.426,67	220.117,54	99.184,20	179.882,46	279.066,67
116	220.117,54	601,65	1.825,01	2.426,67	218.292,53	99.785,86	181.707,47	281.493,33
117	218.292,53	596,67	1.830,00	2.426,67	216.462,52	100.382,52	183.537,48	283.920,00
118	216.462,52	591,66	1.835,00	2.426,67	214.627,52	100.974,19	185.372,48	286.346,67
119	214.627,52	586,65	1.840,02	2.426,67	212.787,50	101.560,84	187.212,50	288.773,33
120	212.787,50	581,62	1.845,05	2.426,67	210.942,46	102.142,46	189.057,54	291.200,00
121	210.942,46	576,58	1.850,09	2.426,67	209.092,37	102.719,03	190.907,63	293.626,67
122	209.092,37	571,52	1.855,15	2.426,67	207.237,22	103.290,55	192.762,78	296.053,33
123	207.237,22	566,45	1.860,22	2.426,67	205.377,00	103.857,00	194.623,00	298.480,00
124	205.377,00	561,36	1.865,30	2.426,67	203.511,70	104.418,36	196.488,30	300.906,67
125	203.511,70	556,27	1.870,40	2.426,67	201.641,30	104.974,63	198.358,70	303.333,33
126	201.641,30	551,15	1.875,51	2.426,67	199.765,78	105.525,78	200.234,22	305.760,00
127	199.765,78	546,03	1.880,64	2.426,67	197.885,14	106.071,81	202.114,86	308.186,67
128	197.885,14	540,89	1.885,78	2.426,67	195.999,36	106.612,69	204.000,64	310.613,33
129	195.999,36	535,73	1.890,94	2.426,67	194.108,43	107.148,43	205.891,57	313.040,00
130	194.108,43	530,56	1.896,10	2.426,67	192.212,32	107.678,99	207.787,68	315.466,67
131	192.212,32	525,38	1.901,29	2.426,67	190.311,04	108.204,37	209.688,96	317.893,33
132	190.311,04	520,18	1.906,48	2.426,67	188.404,55	108.724,55	211.595,45	320.320,00
133	188.404,55	514,97	1.911,69	2.426,67	186.492,86	109.239,53	213.507,14	322.746,67
134	186.492,86	509,75	1.916,92	2.426,67	184.575,94	109.749,27	215.424,06	325.173,33
135	184.575,94	504,51	1.922,16	2.426,67	182.653,78	110.253,78	217.346,22	327.600,00
136	182.653,78	499,25	1.927,41	2.426,67	180.726,37	110.753,03	219.273,63	330.026,67
137	180.726,37	493,99	1.932,68	2.426,67	178.793,69	111.247,02	221.206,31	332.453,33
138	178.793,69	488,70	1.937,96	2.426,67	176.855,72	111.735,72	223.144,28	334.880,00
139	176.855,72	483,41	1.943,26	2.426,67	174.912,46	112.219,13	225.087,54	337.306,67
140	174.912,46	478,09	1.948,57	2.426,67	172.963,89	112.697,22	227.036,11	339.733,33
141	172.963,89	472,77	1.953,90	2.426,67	171.009,99	113.169,99	228.990,01	342.160,00
142	171.009,99	467,43	1.959,24	2.426,67	169.050,75	113.637,42	230.949,25	344.586,67
143	169.050,75	462,07	1.964,59	2.426,67	167.086,16	114.099,49	232.913,84	347.013,33
144	167.086,16	456,70	1.969,96	2.426,67	165.116,19	114.556,19	234.883,81	349.440,00
145	165.116,19	451,32	1.975,35	2.426,67	163.140,84	115.007,51	236.859,16	351.866,67
146	163.140,84	445,92	1.980,75	2.426,67	161.160,09	115.453,43	238.839,91	354.293,33
147	161.160,09	440,50	1.986,16	2.426,67	159.173,93	115.893,93	240.826,07	356.720,00
148	159.173,93	435,08	1.991,59	2.426,67	157.182,34	116.329,01	242.817,66	359.146,67
149	157.182,34	429,63	1.997,03	2.426,67	155.185,31	116.758,64	244.814,69	361.573,33
150	155.185,31	424,17	2.002,49	2.426,67	153.182,81	117.182,81	246.817,19	364.000,00
151	153.182,81	418,70	2.007,97	2.426,67	151.174,84	117.601,51	248.825,16	366.426,67
152	151.174,84	413,21	2.013,46	2.426,67	149.161,39	118.014,72	250.838,61	368.853,33
153	149.161,39	407,71	2.018,96	2.426,67	147.142,43	118.422,43	252.857,57	371.280,00
154	147.142,43	402,19	2.024,48	2.426,67	145.117,95	118.824,62	254.882,05	373.706,67
155	145.117,95	396,66	2.030,01	2.426,67	143.087,94	119.221,28	256.912,06	376.133,33
156	143.087,94	391,11	2.035,56	2.426,67	141.052,38	119.612,38	258.947,62	378.560,00
157	141.052,38	385,54	2.041,12	2.426,67	139.011,26	119.997,93	260.988,74	380.986,67
158	139.011,26	379,96	2.046,70	2.426,67	136.964,56	120.377,89	263.035,44	383.413,33
159	136.964,56	374,37	2.052,30	2.426,67	134.912,26	120.752,26	265.087,74	385.840,00
160	134.912,26	368,76	2.057,91	2.426,67	132.854,35	121.121,02	267.145,65	388.266,67
161	132.854,35	363,14	2.063,53	2.426,67	130.790,82	121.484,16	269.209,18	390.693,33
162	130.790,82	357,49	2.069,17	2.426,67	128.721,65	121.841,65	271.278,35	393.120,00
163	128.721,65	351,84	2.074,83	2.426,67	126.646,82	122.193,49	273.353,18	395.546,67
164	126.646,82	346,17	2.080,50	2.426,67	124.566,32	122.539,66	275.433,68	397.973,33
165	124.566,32	340,48	2.086,19	2.426,67	122.480,14	122.880,14	277.519,86	400.400,00
166	122.480,14	334,78	2.091,89	2.426,67	120.388,25	123.214,92	279.611,75	402.826,67
167	120.388,25	329,06	2.097,61	2.426,67	118.290,65	123.543,98	281.709,35	405.253,33
168	118.290,65	323,33	2.103,34	2.426,67	116.187,31	123.867,31	283.812,69	407.680,00
169	116.187,31	317,58	2.109,09	2.426,67	114.078,22	124.184,89	285.921,78	410.106,67
170	114.078,22	311,81	2.114,85	2.426,67	111.963,37	124.496,70	288.036,63	412.533,33
171	111.963,37	306,03	2.120,63	2.426,67	109.842,73	124.802,73	290.157,27	414.960,00
172	109.842,73	300,24	2.126,43	2.426,67	107.716,30	125.102,97	292.283,70	417.386,67
173	107.716,30	294,42	2.132,24	2.426,67	105.584,06	125.397,39	294.415,94	419.813,33
174	105.584,06	288,60	2.138,07	2.426,67	103.445,99	125.685,99	296.554,01	422.240,00
175	103.445,99	282,75	2.143,91	2.426,67	101.302,08	125.968,74	298.697,92	424.666,67
176	101.302,08	276,89	2.149,77	2.426,67	99.152,30	126.245,63	300.847,70	427.093,33
177	99.152,30	271,02	2.155,65	2.426,67	96.996,65	126.516,65	303.003,35	429.520,00
178	96.996,65	265,12	2.161,54	2.426,67	94.835,11	126.781,78	305.164,89	431.946,67
179	94.835,11	259,22	2.167,45	2.426,67	92.667,66	127.040,99	307.332,34	434.373,33
180	92.667,66	253,29	2.173,38	2.426,67	90.494,28	127.294,28	309.505,72	436.800,00
181	90.494,28	247,35	2.179,32	2.426,67	88.314,97	127.541,63	311.685,03	439.226,67
182	88.314,97	241,39	2.185,27	2.426,67	86.129,69	127.783,03	313.870,31	441.653,33
183	86.129,69	235,42	2.191,25	2.426,67	83.938,45	128.018,45	316.061,55	444.080,00
184	83.938,45	229,43	2.197,23	2.426,67	81.741,21	128.247,88	318.258,79	446.506,67
185	81.741,21	223,43	2.203,24	2.426,67	79.537,97	128.471,31	320.462,03	448.933,33
186	79.537,97	217,40	2.209,26	2.426,67	77.328,71	128.688,71	322.671,29	451.360,00
187	77.328,71	211,37	2.215,30	2.426,67	75.113,41	128.900,08	324.886,59	453.786,67
188	75.113,41	205,31	2.221,36	2.426,67	72.892,05	129.105,39	327.107,95	456.213,33
189	72.892,05	199,24	2.227,43	2.426,67	70.664,62	129.304,62	329.335,38	458.640,00
190	70.664,62	193,15	2.233,52	2.426,67	68.431,11	129.497,77	331.568,89	461.066,67
191	68.431,11	187,05	2.239,62	2.426,67	66.191,49	129.684,82	333.808,51	463.493,33
192	66.191,49	180,92	2.245,74	2.426,67	63.945,74	129.865,74	336.054,26	465.920,00
193	63.945,74	174,79	2.251,88	2.426,67	61.693,86	130.040,53	338.306,14	468.346,67
194	61.693,86	168,63	2.258,04	2.426,67	59.435,82	130.209,16	340.564,18	470.773,33
195	59.435,82	162,46	2.264,21	2.426,67	57.171,62	130.371,62	342.828,38	473.200,00
196	57.171,62	156,27	2.270,40	2.426,67	54.901,22	130.527,88	345.098,78	475.626,67
197	54.901,22	150,06	2.276,60	2.426,67	52.624,61	130.677,95	347.375,39	478.053,33
198	52.624,61	143,84	2.282,83	2.426,67	50.341,79	130.821,79	349.658,21	480.480,00
199	50.341,79	137,60	2.289,07	2.426,67	48.052,72	130.959,39	351.947,28	482.906,67
200	48.052,72	131,34	2.295,32	2.426,67	45.757,40	131.090,73	354.242,60	485.333,33
201	45.757,40	125,07	2.301,60	2.426,67	43.455,80	131.215,80	356.544,20	487.760,00
202	43.455,80	118,78	2.307,89	2.426,67	41.147,92	131.334,58	358.852,08	490.186,67
203	41.147,92	112,47	2.314,20	2.426,67	38.833,72	131.447,05	361.166,28	492.613,33
204	38.833,72	106,15	2.320,52	2.426,67	36.513,20	131.553,20	363.486,80	495.040,00
205	36.513,20	99,80	2.326,86	2.426,67	34.186,34	131.653,00	365.813,66	497.466,67
206	34.186,34	93,44	2.333,22	2.426,67	31.853,11	131.746,44	368.146,89	499.893,33
207	31.853,11	87,07	2.339,60	2.426,67	29.513,51	131.833,51	370.486,49	502.320,00
208	29.513,51	80,67	2.346,00	2.426,67	27.167,51	131.914,18	372.832,49	504.746,67
209	27.167,51	74,26	2.352,41	2.426,67	24.815,10	131.988,44	375.184,90	507.173,33
210	24.815,10	67,83	2.358,84	2.426,67	22.456,27	132.056,27	377.543,73	509.600,00
211	22.456,27	61,38	2.365,29	2.426,67	20.090,98	132.117,65	379.909,02	512.026,67
212	20.090,98	54,92	2.371,75	2.426,67	17.719,23	132.172,56	382.280,77	514.453,33
213	17.719,23	48,43	2.378,23	2.426,67	15.340,99	132.220,99	384.659,01	516.880,00
214	15.340,99	41,93	2.384,73	2.426,67	12.956,26	132.262,93	387.043,74	519.306,67
215	12.956,26	35,41	2.391,25	2.426,67	10.565,01	132.298,34	389.434,99	521.733,33
216	10.565,01	28,88	2.397,79	2.426,67	8.167,22	132.327,22	391.832,78	524.160,00
217	8.167,22	22,32	2.404,34	2.426,67	5.762,87	132.349,54	394.237,13	526.586,67
218	5.762,87	15,75	2.410,91	2.426,67	3.351,96	132.365,29	396.648,04	529.013,33
219	3.351,96	9,16	2.417,50	2.426,67	934,46	132.374,46	399.065,54	531.440,00
220	934,46	2,55	934,46	934,46	934,46	132.377,01	400.000,00	532.377,01

Baufi24 Baufinanzierung

3.77/5,00

134.030,86€
Zinsanteil

2.443,33€
Monatsrate

3,33%
Sollzins p.a.

3,39%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 150.000,00 €;Kreditrate: 643,75 €;Gesamtbetrag: 77.250,00 €;Anzahl Kreditraten: 120;Laufzeit: 120 Monate;Effektiver Jahreszins: 3,62 %;Gebundener Sollzins: 3,15 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.110,00	1.333,33	2.443,33	398.666,67	1.110,00	1.333,33	2.443,33
2	398.666,67	1.106,30	1.337,03	2.443,33	397.329,63	2.216,30	2.670,37	4.886,67
3	397.329,63	1.102,59	1.340,74	2.443,33	395.988,89	3.318,89	4.011,11	7.330,00
4	395.988,89	1.098,87	1.344,46	2.443,33	394.644,43	4.417,76	5.355,57	9.773,33
5	394.644,43	1.095,14	1.348,20	2.443,33	393.296,23	5.512,90	6.703,77	12.216,67
6	393.296,23	1.091,40	1.351,94	2.443,33	391.944,29	6.604,29	8.055,71	14.660,00
7	391.944,29	1.087,65	1.355,69	2.443,33	390.588,61	7.691,94	9.411,39	17.103,33
8	390.588,61	1.083,88	1.359,45	2.443,33	389.229,16	8.775,82	10.770,84	19.546,67
9	389.229,16	1.080,11	1.363,22	2.443,33	387.865,93	9.855,93	12.134,07	21.990,00
10	387.865,93	1.076,33	1.367,01	2.443,33	386.498,93	10.932,26	13.501,07	24.433,33
11	386.498,93	1.072,53	1.370,80	2.443,33	385.128,13	12.004,80	14.871,87	26.876,67
12	385.128,13	1.068,73	1.374,60	2.443,33	383.753,53	13.073,53	16.246,47	29.320,00
13	383.753,53	1.064,92	1.378,42	2.443,33	382.375,11	14.138,44	17.624,89	31.763,33
14	382.375,11	1.061,09	1.382,24	2.443,33	380.992,87	15.199,53	19.007,13	34.206,67
15	380.992,87	1.057,26	1.386,08	2.443,33	379.606,79	16.256,79	20.393,21	36.650,00
16	379.606,79	1.053,41	1.389,92	2.443,33	378.216,86	17.310,20	21.783,14	39.093,33
17	378.216,86	1.049,55	1.393,78	2.443,33	376.823,08	18.359,75	23.176,92	41.536,67
18	376.823,08	1.045,68	1.397,65	2.443,33	375.425,43	19.405,43	24.574,57	43.980,00
19	375.425,43	1.041,81	1.401,53	2.443,33	374.023,91	20.447,24	25.976,09	46.423,33
20	374.023,91	1.037,92	1.405,42	2.443,33	372.618,49	21.485,16	27.381,51	48.866,67
21	372.618,49	1.034,02	1.409,32	2.443,33	371.209,17	22.519,17	28.790,83	51.310,00
22	371.209,17	1.030,11	1.413,23	2.443,33	369.795,94	23.549,28	30.204,06	53.753,33
23	369.795,94	1.026,18	1.417,15	2.443,33	368.378,79	24.575,46	31.621,21	56.196,67
24	368.378,79	1.022,25	1.421,08	2.443,33	366.957,71	25.597,71	33.042,29	58.640,00
25	366.957,71	1.018,31	1.425,03	2.443,33	365.532,69	26.616,02	34.467,31	61.083,33
26	365.532,69	1.014,35	1.428,98	2.443,33	364.103,71	27.630,37	35.896,29	63.526,67
27	364.103,71	1.010,39	1.432,95	2.443,33	362.670,76	28.640,76	37.329,24	65.970,00
28	362.670,76	1.006,41	1.436,92	2.443,33	361.233,84	29.647,17	38.766,16	68.413,33
29	361.233,84	1.002,42	1.440,91	2.443,33	359.792,93	30.649,60	40.207,07	70.856,67
30	359.792,93	998,43	1.444,91	2.443,33	358.348,02	31.648,02	41.651,98	73.300,00
31	358.348,02	994,42	1.448,92	2.443,33	356.899,10	32.642,44	43.100,90	75.743,33
32	356.899,10	990,40	1.452,94	2.443,33	355.446,17	33.632,83	44.553,83	78.186,67
33	355.446,17	986,36	1.456,97	2.443,33	353.989,20	34.619,20	46.010,80	80.630,00
34	353.989,20	982,32	1.461,01	2.443,33	352.528,18	35.601,52	47.471,82	83.073,33
35	352.528,18	978,27	1.465,07	2.443,33	351.063,11	36.579,78	48.936,89	85.516,67
36	351.063,11	974,20	1.469,13	2.443,33	349.593,98	37.553,98	50.406,02	87.960,00
37	349.593,98	970,12	1.473,21	2.443,33	348.120,77	38.524,10	51.879,23	90.403,33
38	348.120,77	966,04	1.477,30	2.443,33	346.643,47	39.490,14	53.356,53	92.846,67
39	346.643,47	961,94	1.481,40	2.443,33	345.162,08	40.452,08	54.837,92	95.290,00
40	345.162,08	957,82	1.485,51	2.443,33	343.676,57	41.409,90	56.323,43	97.733,33
41	343.676,57	953,70	1.489,63	2.443,33	342.186,94	42.363,60	57.813,06	100.176,67
42	342.186,94	949,57	1.493,76	2.443,33	340.693,17	43.313,17	59.306,83	102.620,00
43	340.693,17	945,42	1.497,91	2.443,33	339.195,26	44.258,60	60.804,74	105.063,33
44	339.195,26	941,27	1.502,07	2.443,33	337.693,20	45.199,86	62.306,80	107.506,67
45	337.693,20	937,10	1.506,23	2.443,33	336.186,96	46.136,96	63.813,04	109.950,00
46	336.186,96	932,92	1.510,41	2.443,33	334.676,55	47.069,88	65.323,45	112.393,33
47	334.676,55	928,73	1.514,61	2.443,33	333.161,94	47.998,61	66.838,06	114.836,67
48	333.161,94	924,52	1.518,81	2.443,33	331.643,13	48.923,13	68.356,87	117.280,00
49	331.643,13	920,31	1.523,02	2.443,33	330.120,11	49.843,44	69.879,89	119.723,33
50	330.120,11	916,08	1.527,25	2.443,33	328.592,86	50.759,52	71.407,14	122.166,67
51	328.592,86	911,85	1.531,49	2.443,33	327.061,37	51.671,37	72.938,63	124.610,00
52	327.061,37	907,60	1.535,74	2.443,33	325.525,63	52.578,96	74.474,37	127.053,33
53	325.525,63	903,33	1.540,00	2.443,33	323.985,63	53.482,30	76.014,37	129.496,67
54	323.985,63	899,06	1.544,27	2.443,33	322.441,36	54.381,36	77.558,64	131.940,00
55	322.441,36	894,77	1.548,56	2.443,33	320.892,80	55.276,13	79.107,20	134.383,33
56	320.892,80	890,48	1.552,86	2.443,33	319.339,94	56.166,61	80.660,06	136.826,67
57	319.339,94	886,17	1.557,16	2.443,33	317.782,78	57.052,78	82.217,22	139.270,00
58	317.782,78	881,85	1.561,49	2.443,33	316.221,29	57.934,63	83.778,71	141.713,33
59	316.221,29	877,51	1.565,82	2.443,33	314.655,47	58.812,14	85.344,53	144.156,67
60	314.655,47	873,17	1.570,16	2.443,33	313.085,31	59.685,31	86.914,69	146.600,00
61	313.085,31	868,81	1.574,52	2.443,33	311.510,79	60.554,12	88.489,21	149.043,33
62	311.510,79	864,44	1.578,89	2.443,33	309.931,90	61.418,56	90.068,10	151.486,67
63	309.931,90	860,06	1.583,27	2.443,33	308.348,62	62.278,62	91.651,38	153.930,00
64	308.348,62	855,67	1.587,67	2.443,33	306.760,96	63.134,29	93.239,04	156.373,33
65	306.760,96	851,26	1.592,07	2.443,33	305.168,89	63.985,55	94.831,11	158.816,67
66	305.168,89	846,84	1.596,49	2.443,33	303.572,40	64.832,40	96.427,60	161.260,00
67	303.572,40	842,41	1.600,92	2.443,33	301.971,48	65.674,81	98.028,52	163.703,33
68	301.971,48	837,97	1.605,36	2.443,33	300.366,11	66.512,78	99.633,89	166.146,67
69	300.366,11	833,52	1.609,82	2.443,33	298.756,30	67.346,30	101.243,70	168.590,00
70	298.756,30	829,05	1.614,28	2.443,33	297.142,01	68.175,35	102.857,99	171.033,33
71	297.142,01	824,57	1.618,76	2.443,33	295.523,25	68.999,92	104.476,75	173.476,67
72	295.523,25	820,08	1.623,26	2.443,33	293.899,99	69.819,99	106.100,01	175.920,00
73	293.899,99	815,57	1.627,76	2.443,33	292.272,23	70.635,56	107.727,77	178.363,33
74	292.272,23	811,06	1.632,28	2.443,33	290.639,95	71.446,62	109.360,05	180.806,67
75	290.639,95	806,53	1.636,81	2.443,33	289.003,15	72.253,15	110.996,85	183.250,00
76	289.003,15	801,98	1.641,35	2.443,33	287.361,80	73.055,13	112.638,20	185.693,33
77	287.361,80	797,43	1.645,90	2.443,33	285.715,89	73.852,56	114.284,11	188.136,67
78	285.715,89	792,86	1.650,47	2.443,33	284.065,42	74.645,42	115.934,58	190.580,00
79	284.065,42	788,28	1.655,05	2.443,33	282.410,37	75.433,70	117.589,63	193.023,33
80	282.410,37	783,69	1.659,64	2.443,33	280.750,72	76.217,39	119.249,28	195.466,67
81	280.750,72	779,08	1.664,25	2.443,33	279.086,47	76.996,47	120.913,53	197.910,00
82	279.086,47	774,46	1.668,87	2.443,33	277.417,61	77.770,94	122.582,39	200.353,33
83	277.417,61	769,83	1.673,50	2.443,33	275.744,11	78.540,77	124.255,89	202.796,67
84	275.744,11	765,19	1.678,14	2.443,33	274.065,96	79.305,96	125.934,04	205.240,00
85	274.065,96	760,53	1.682,80	2.443,33	272.383,16	80.066,50	127.616,84	207.683,33
86	272.383,16	755,86	1.687,47	2.443,33	270.695,69	80.822,36	129.304,31	210.126,67
87	270.695,69	751,18	1.692,15	2.443,33	269.003,54	81.573,54	130.996,46	212.570,00
88	269.003,54	746,48	1.696,85	2.443,33	267.306,69	82.320,02	132.693,31	215.013,33
89	267.306,69	741,78	1.701,56	2.443,33	265.605,13	83.061,80	134.394,87	217.456,67
90	265.605,13	737,05	1.706,28	2.443,33	263.898,85	83.798,85	136.101,15	219.900,00
91	263.898,85	732,32	1.711,01	2.443,33	262.187,84	84.531,17	137.812,16	222.343,33
92	262.187,84	727,57	1.715,76	2.443,33	260.472,08	85.258,75	139.527,92	224.786,67
93	260.472,08	722,81	1.720,52	2.443,33	258.751,56	85.981,56	141.248,44	227.230,00
94	258.751,56	718,04	1.725,30	2.443,33	257.026,26	86.699,59	142.973,74	229.673,33
95	257.026,26	713,25	1.730,09	2.443,33	255.296,17	87.412,84	144.703,83	232.116,67
96	255.296,17	708,45	1.734,89	2.443,33	253.561,29	88.121,29	146.438,71	234.560,00
97	253.561,29	703,63	1.739,70	2.443,33	251.821,58	88.824,92	148.178,42	237.003,33
98	251.821,58	698,80	1.744,53	2.443,33	250.077,06	89.523,72	149.922,94	239.446,67
99	250.077,06	693,96	1.749,37	2.443,33	248.327,69	90.217,69	151.672,31	241.890,00
100	248.327,69	689,11	1.754,22	2.443,33	246.573,46	90.906,80	153.426,54	244.333,33
101	246.573,46	684,24	1.759,09	2.443,33	244.814,37	91.591,04	155.185,63	246.776,67
102	244.814,37	679,36	1.763,97	2.443,33	243.050,40	92.270,40	156.949,60	249.220,00
103	243.050,40	674,46	1.768,87	2.443,33	241.281,53	92.944,86	158.718,47	251.663,33
104	241.281,53	669,56	1.773,78	2.443,33	239.507,75	93.614,42	160.492,25	254.106,67
105	239.507,75	664,63	1.778,70	2.443,33	237.729,05	94.279,05	162.270,95	256.550,00
106	237.729,05	659,70	1.783,64	2.443,33	235.945,42	94.938,75	164.054,58	258.993,33
107	235.945,42	654,75	1.788,58	2.443,33	234.156,83	95.593,50	165.843,17	261.436,67
108	234.156,83	649,79	1.793,55	2.443,33	232.363,28	96.243,28	167.636,72	263.880,00
109	232.363,28	644,81	1.798,53	2.443,33	230.564,76	96.888,09	169.435,24	266.323,33
110	230.564,76	639,82	1.803,52	2.443,33	228.761,24	97.527,91	171.238,76	268.766,67
111	228.761,24	634,81	1.808,52	2.443,33	226.952,72	98.162,72	173.047,28	271.210,00
112	226.952,72	629,79	1.813,54	2.443,33	225.139,18	98.792,52	174.860,82	273.653,33
113	225.139,18	624,76	1.818,57	2.443,33	223.320,61	99.417,28	176.679,39	276.096,67
114	223.320,61	619,71	1.823,62	2.443,33	221.496,99	100.036,99	178.503,01	278.540,00
115	221.496,99	614,65	1.828,68	2.443,33	219.668,31	100.651,65	180.331,69	280.983,33
116	219.668,31	609,58	1.833,75	2.443,33	217.834,56	101.261,23	182.165,44	283.426,67
117	217.834,56	604,49	1.838,84	2.443,33	215.995,72	101.865,72	184.004,28	285.870,00
118	215.995,72	599,39	1.843,95	2.443,33	214.151,77	102.465,10	185.848,23	288.313,33
119	214.151,77	594,27	1.849,06	2.443,33	212.302,71	103.059,38	187.697,29	290.756,67
120	212.302,71	589,14	1.854,19	2.443,33	210.448,52	103.648,52	189.551,48	293.200,00
121	210.448,52	583,99	1.859,34	2.443,33	208.589,18	104.232,51	191.410,82	295.643,33
122	208.589,18	578,83	1.864,50	2.443,33	206.724,68	104.811,35	193.275,32	298.086,67
123	206.724,68	573,66	1.869,67	2.443,33	204.855,01	105.385,01	195.144,99	300.530,00
124	204.855,01	568,47	1.874,86	2.443,33	202.980,15	105.953,48	197.019,85	302.973,33
125	202.980,15	563,27	1.880,06	2.443,33	201.100,08	106.516,75	198.899,92	305.416,67
126	201.100,08	558,05	1.885,28	2.443,33	199.214,80	107.074,80	200.785,20	307.860,00
127	199.214,80	552,82	1.890,51	2.443,33	197.324,29	107.627,62	202.675,71	310.303,33
128	197.324,29	547,57	1.895,76	2.443,33	195.428,53	108.175,20	204.571,47	312.746,67
129	195.428,53	542,31	1.901,02	2.443,33	193.527,51	108.717,51	206.472,49	315.190,00
130	193.527,51	537,04	1.906,29	2.443,33	191.621,22	109.254,55	208.378,78	317.633,33
131	191.621,22	531,75	1.911,58	2.443,33	189.709,63	109.786,30	210.290,37	320.076,67
132	189.709,63	526,44	1.916,89	2.443,33	187.792,74	110.312,74	212.207,26	322.520,00
133	187.792,74	521,12	1.922,21	2.443,33	185.870,54	110.833,87	214.129,46	324.963,33
134	185.870,54	515,79	1.927,54	2.443,33	183.942,99	111.349,66	216.057,01	327.406,67
135	183.942,99	510,44	1.932,89	2.443,33	182.010,10	111.860,10	217.989,90	329.850,00
136	182.010,10	505,08	1.938,26	2.443,33	180.071,85	112.365,18	219.928,15	332.293,33
137	180.071,85	499,70	1.943,63	2.443,33	178.128,21	112.864,88	221.871,79	334.736,67
138	178.128,21	494,31	1.949,03	2.443,33	176.179,18	113.359,18	223.820,82	337.180,00
139	176.179,18	488,90	1.954,44	2.443,33	174.224,75	113.848,08	225.775,25	339.623,33
140	174.224,75	483,47	1.959,86	2.443,33	172.264,89	114.331,56	227.735,11	342.066,67
141	172.264,89	478,04	1.965,30	2.443,33	170.299,59	114.809,59	229.700,41	344.510,00
142	170.299,59	472,58	1.970,75	2.443,33	168.328,84	115.282,17	231.671,16	346.953,33
143	168.328,84	467,11	1.976,22	2.443,33	166.352,62	115.749,28	233.647,38	349.396,67
144	166.352,62	461,63	1.981,70	2.443,33	164.370,91	116.210,91	235.629,09	351.840,00
145	164.370,91	456,13	1.987,20	2.443,33	162.383,71	116.667,04	237.616,29	354.283,33
146	162.383,71	450,61	1.992,72	2.443,33	160.390,99	117.117,66	239.609,01	356.726,67
147	160.390,99	445,08	1.998,25	2.443,33	158.392,74	117.562,74	241.607,26	359.170,00
148	158.392,74	439,54	2.003,79	2.443,33	156.388,95	118.002,28	243.611,05	361.613,33
149	156.388,95	433,98	2.009,35	2.443,33	154.379,59	118.436,26	245.620,41	364.056,67
150	154.379,59	428,40	2.014,93	2.443,33	152.364,66	118.864,66	247.635,34	366.500,00
151	152.364,66	422,81	2.020,52	2.443,33	150.344,14	119.287,48	249.655,86	368.943,33
152	150.344,14	417,20	2.026,13	2.443,33	148.318,01	119.704,68	251.681,99	371.386,67
153	148.318,01	411,58	2.031,75	2.443,33	146.286,26	120.116,26	253.713,74	373.830,00
154	146.286,26	405,94	2.037,39	2.443,33	144.248,87	120.522,21	255.751,13	376.273,33
155	144.248,87	400,29	2.043,04	2.443,33	142.205,83	120.922,50	257.794,17	378.716,67
156	142.205,83	394,62	2.048,71	2.443,33	140.157,12	121.317,12	259.842,88	381.160,00
157	140.157,12	388,94	2.054,40	2.443,33	138.102,72	121.706,06	261.897,28	383.603,33
158	138.102,72	383,24	2.060,10	2.443,33	136.042,62	122.089,29	263.957,38	386.046,67
159	136.042,62	377,52	2.065,82	2.443,33	133.976,81	122.466,81	266.023,19	388.490,00
160	133.976,81	371,79	2.071,55	2.443,33	131.905,26	122.838,59	268.094,74	390.933,33
161	131.905,26	366,04	2.077,30	2.443,33	129.827,97	123.204,63	270.172,03	393.376,67
162	129.827,97	360,27	2.083,06	2.443,33	127.744,90	123.564,90	272.255,10	395.820,00
163	127.744,90	354,49	2.088,84	2.443,33	125.656,06	123.919,40	274.343,94	398.263,33
164	125.656,06	348,70	2.094,64	2.443,33	123.561,43	124.268,09	276.438,57	400.706,67
165	123.561,43	342,88	2.100,45	2.443,33	121.460,98	124.610,98	278.539,02	403.150,00
166	121.460,98	337,05	2.106,28	2.443,33	119.354,70	124.948,03	280.645,30	405.593,33
167	119.354,70	331,21	2.112,12	2.443,33	117.242,57	125.279,24	282.757,43	408.036,67
168	117.242,57	325,35	2.117,99	2.443,33	115.124,59	125.604,59	284.875,41	410.480,00
169	115.124,59	319,47	2.123,86	2.443,33	113.000,72	125.924,06	286.999,28	412.923,33
170	113.000,72	313,58	2.129,76	2.443,33	110.870,97	126.237,63	289.129,03	415.366,67
171	110.870,97	307,67	2.135,67	2.443,33	108.735,30	126.545,30	291.264,70	417.810,00
172	108.735,30	301,74	2.141,59	2.443,33	106.593,71	126.847,04	293.406,29	420.253,33
173	106.593,71	295,80	2.147,54	2.443,33	104.446,17	127.142,84	295.553,83	422.696,67
174	104.446,17	289,84	2.153,50	2.443,33	102.292,68	127.432,68	297.707,32	425.140,00
175	102.292,68	283,86	2.159,47	2.443,33	100.133,21	127.716,54	299.866,79	427.583,33
176	100.133,21	277,87	2.165,46	2.443,33	97.967,74	127.994,41	302.032,26	430.026,67
177	97.967,74	271,86	2.171,47	2.443,33	95.796,27	128.266,27	304.203,73	432.470,00
178	95.796,27	265,83	2.177,50	2.443,33	93.618,77	128.532,10	306.381,23	434.913,33
179	93.618,77	259,79	2.183,54	2.443,33	91.435,23	128.791,90	308.564,77	437.356,67
180	91.435,23	253,73	2.189,60	2.443,33	89.245,63	129.045,63	310.754,37	439.800,00
181	89.245,63	247,66	2.195,68	2.443,33	87.049,95	129.293,29	312.950,05	442.243,33
182	87.049,95	241,56	2.201,77	2.443,33	84.848,18	129.534,85	315.151,82	444.686,67
183	84.848,18	235,45	2.207,88	2.443,33	82.640,30	129.770,30	317.359,70	447.130,00
184	82.640,30	229,33	2.214,01	2.443,33	80.426,30	129.999,63	319.573,70	449.573,33
185	80.426,30	223,18	2.220,15	2.443,33	78.206,15	130.222,81	321.793,85	452.016,67
186	78.206,15	217,02	2.226,31	2.443,33	75.979,84	130.439,84	324.020,16	454.460,00
187	75.979,84	210,84	2.232,49	2.443,33	73.747,35	130.650,68	326.252,65	456.903,33
188	73.747,35	204,65	2.238,68	2.443,33	71.508,66	130.855,33	328.491,34	459.346,67
189	71.508,66	198,44	2.244,90	2.443,33	69.263,76	131.053,76	330.736,24	461.790,00
190	69.263,76	192,21	2.251,13	2.443,33	67.012,64	131.245,97	332.987,36	464.233,33
191	67.012,64	185,96	2.257,37	2.443,33	64.755,27	131.431,93	335.244,73	466.676,67
192	64.755,27	179,70	2.263,64	2.443,33	62.491,63	131.611,63	337.508,37	469.120,00
193	62.491,63	173,41	2.269,92	2.443,33	60.221,71	131.785,04	339.778,29	471.563,33
194	60.221,71	167,12	2.276,22	2.443,33	57.945,49	131.952,16	342.054,51	474.006,67
195	57.945,49	160,80	2.282,53	2.443,33	55.662,96	132.112,96	344.337,04	476.450,00
196	55.662,96	154,46	2.288,87	2.443,33	53.374,09	132.267,42	346.625,91	478.893,33
197	53.374,09	148,11	2.295,22	2.443,33	51.078,87	132.415,53	348.921,13	481.336,67
198	51.078,87	141,74	2.301,59	2.443,33	48.777,28	132.557,28	351.222,72	483.780,00
199	48.777,28	135,36	2.307,98	2.443,33	46.469,30	132.692,63	353.530,70	486.223,33
200	46.469,30	128,95	2.314,38	2.443,33	44.154,92	132.821,59	355.845,08	488.666,67
201	44.154,92	122,53	2.320,80	2.443,33	41.834,12	132.944,12	358.165,88	491.110,00
202	41.834,12	116,09	2.327,24	2.443,33	39.506,87	133.060,21	360.493,13	493.553,33
203	39.506,87	109,63	2.333,70	2.443,33	37.173,17	133.169,84	362.826,83	495.996,67
204	37.173,17	103,16	2.340,18	2.443,33	34.832,99	133.272,99	365.167,01	498.440,00
205	34.832,99	96,66	2.346,67	2.443,33	32.486,32	133.369,66	367.513,68	500.883,33
206	32.486,32	90,15	2.353,18	2.443,33	30.133,14	133.459,80	369.866,86	503.326,67
207	30.133,14	83,62	2.359,71	2.443,33	27.773,42	133.543,42	372.226,58	505.770,00
208	27.773,42	77,07	2.366,26	2.443,33	25.407,16	133.620,50	374.592,84	508.213,33
209	25.407,16	70,50	2.372,83	2.443,33	23.034,33	133.691,00	376.965,67	510.656,67
210	23.034,33	63,92	2.379,41	2.443,33	20.654,92	133.754,92	379.345,08	513.100,00
211	20.654,92	57,32	2.386,02	2.443,33	18.268,90	133.812,24	381.731,10	515.543,33
212	18.268,90	50,70	2.392,64	2.443,33	15.876,27	133.862,93	384.123,73	517.986,67
213	15.876,27	44,06	2.399,28	2.443,33	13.476,99	133.906,99	386.523,01	520.430,00
214	13.476,99	37,40	2.405,93	2.443,33	11.071,06	133.944,39	388.928,94	522.873,33
215	11.071,06	30,72	2.412,61	2.443,33	8.658,44	133.975,11	391.341,56	525.316,67
216	8.658,44	24,03	2.419,31	2.443,33	6.239,14	133.999,14	393.760,86	527.760,00
217	6.239,14	17,31	2.426,02	2.443,33	3.813,12	134.016,45	396.186,88	530.203,33
218	3.813,12	10,58	2.432,75	2.443,33	1.380,37	134.027,03	398.619,63	532.646,67
219	1.380,37	3,83	1.380,37	1.380,37	1.380,37	134.030,86	400.000,00	534.030,86

Baufi-line Baufinanzierung

3.52/5,00

136.659,98€
Zinsanteil

2.470,00€
Monatsrate

3,41%
Sollzins p.a.

3,46%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 150.000,00 €;Kreditrate: 722,50 €;Gesamtbetrag: 86.700,00 €;Anzahl Kreditraten: 1440;Laufzeit: 338 Monate;Effektiver Jahreszins: 3,88 %;Gebundener Sollzins: 3,78 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.136,67	1.333,33	2.470,00	398.666,67	1.136,67	1.333,33	2.470,00
2	398.666,67	1.132,88	1.337,12	2.470,00	397.329,54	2.269,54	2.670,46	4.940,00
3	397.329,54	1.129,08	1.340,92	2.470,00	395.988,62	3.398,62	4.011,38	7.410,00
4	395.988,62	1.125,27	1.344,73	2.470,00	394.643,89	4.523,89	5.356,11	9.880,00
5	394.643,89	1.121,45	1.348,55	2.470,00	393.295,34	5.645,34	6.704,66	12.350,00
6	393.295,34	1.117,61	1.352,39	2.470,00	391.942,95	6.762,95	8.057,05	14.820,00
7	391.942,95	1.113,77	1.356,23	2.470,00	390.586,72	7.876,72	9.413,28	17.290,00
8	390.586,72	1.109,92	1.360,08	2.470,00	389.226,64	8.986,64	10.773,36	19.760,00
9	389.226,64	1.106,05	1.363,95	2.470,00	387.862,69	10.092,69	12.137,31	22.230,00
10	387.862,69	1.102,18	1.367,82	2.470,00	386.494,87	11.194,87	13.505,13	24.700,00
11	386.494,87	1.098,29	1.371,71	2.470,00	385.123,16	12.293,16	14.876,84	27.170,00
12	385.123,16	1.094,39	1.375,61	2.470,00	383.747,55	13.387,55	16.252,45	29.640,00
13	383.747,55	1.090,48	1.379,52	2.470,00	382.368,03	14.478,03	17.631,97	32.110,00
14	382.368,03	1.086,56	1.383,44	2.470,00	380.984,59	15.564,59	19.015,41	34.580,00
15	380.984,59	1.082,63	1.387,37	2.470,00	379.597,23	16.647,23	20.402,77	37.050,00
16	379.597,23	1.078,69	1.391,31	2.470,00	378.205,91	17.725,91	21.794,09	39.520,00
17	378.205,91	1.074,74	1.395,26	2.470,00	376.810,65	18.800,65	23.189,35	41.990,00
18	376.810,65	1.070,77	1.399,23	2.470,00	375.411,42	19.871,42	24.588,58	44.460,00
19	375.411,42	1.066,79	1.403,21	2.470,00	374.008,21	20.938,21	25.991,79	46.930,00
20	374.008,21	1.062,81	1.407,19	2.470,00	372.601,02	22.001,02	27.398,98	49.400,00
21	372.601,02	1.058,81	1.411,19	2.470,00	371.189,83	23.059,83	28.810,17	51.870,00
22	371.189,83	1.054,80	1.415,20	2.470,00	369.774,63	24.114,63	30.225,37	54.340,00
23	369.774,63	1.050,78	1.419,22	2.470,00	368.355,40	25.165,40	31.644,60	56.810,00
24	368.355,40	1.046,74	1.423,26	2.470,00	366.932,15	26.212,15	33.067,85	59.280,00
25	366.932,15	1.042,70	1.427,30	2.470,00	365.504,84	27.254,84	34.495,16	61.750,00
26	365.504,84	1.038,64	1.431,36	2.470,00	364.073,49	28.293,49	35.926,51	64.220,00
27	364.073,49	1.034,58	1.435,42	2.470,00	362.638,06	29.328,06	37.361,94	66.690,00
28	362.638,06	1.030,50	1.439,50	2.470,00	361.198,56	30.358,56	38.801,44	69.160,00
29	361.198,56	1.026,41	1.443,59	2.470,00	359.754,97	31.384,97	40.245,03	71.630,00
30	359.754,97	1.022,30	1.447,70	2.470,00	358.307,27	32.407,27	41.692,73	74.100,00
31	358.307,27	1.018,19	1.451,81	2.470,00	356.855,46	33.425,46	43.144,54	76.570,00
32	356.855,46	1.014,06	1.455,94	2.470,00	355.399,52	34.439,52	44.600,48	79.040,00
33	355.399,52	1.009,93	1.460,07	2.470,00	353.939,45	35.449,45	46.060,55	81.510,00
34	353.939,45	1.005,78	1.464,22	2.470,00	352.475,23	36.455,23	47.524,77	83.980,00
35	352.475,23	1.001,62	1.468,38	2.470,00	351.006,85	37.456,85	48.993,15	86.450,00
36	351.006,85	997,44	1.472,56	2.470,00	349.534,29	38.454,29	50.465,71	88.920,00
37	349.534,29	993,26	1.476,74	2.470,00	348.057,55	39.447,55	51.942,45	91.390,00
38	348.057,55	989,06	1.480,94	2.470,00	346.576,61	40.436,61	53.423,39	93.860,00
39	346.576,61	984,86	1.485,14	2.470,00	345.091,47	41.421,47	54.908,53	96.330,00
40	345.091,47	980,63	1.489,37	2.470,00	343.602,10	42.402,10	56.397,90	98.800,00
41	343.602,10	976,40	1.493,60	2.470,00	342.108,51	43.378,51	57.891,49	101.270,00
42	342.108,51	972,16	1.497,84	2.470,00	340.610,66	44.350,66	59.389,34	103.740,00
43	340.610,66	967,90	1.502,10	2.470,00	339.108,57	45.318,57	60.891,43	106.210,00
44	339.108,57	963,63	1.506,37	2.470,00	337.602,20	46.282,20	62.397,80	108.680,00
45	337.602,20	959,35	1.510,65	2.470,00	336.091,55	47.241,55	63.908,45	111.150,00
46	336.091,55	955,06	1.514,94	2.470,00	334.576,61	48.196,61	65.423,39	113.620,00
47	334.576,61	950,76	1.519,24	2.470,00	333.057,37	49.147,37	66.942,63	116.090,00
48	333.057,37	946,44	1.523,56	2.470,00	331.533,81	50.093,81	68.466,19	118.560,00
49	331.533,81	942,11	1.527,89	2.470,00	330.005,91	51.035,91	69.994,09	121.030,00
50	330.005,91	937,77	1.532,23	2.470,00	328.473,68	51.973,68	71.526,32	123.500,00
51	328.473,68	933,41	1.536,59	2.470,00	326.937,09	52.907,09	73.062,91	125.970,00
52	326.937,09	929,05	1.540,95	2.470,00	325.396,14	53.836,14	74.603,86	128.440,00
53	325.396,14	924,67	1.545,33	2.470,00	323.850,81	54.760,81	76.149,19	130.910,00
54	323.850,81	920,28	1.549,72	2.470,00	322.301,08	55.681,08	77.698,92	133.380,00
55	322.301,08	915,87	1.554,13	2.470,00	320.746,96	56.596,96	79.253,04	135.850,00
56	320.746,96	911,46	1.558,54	2.470,00	319.188,41	57.508,41	80.811,59	138.320,00
57	319.188,41	907,03	1.562,97	2.470,00	317.625,44	58.415,44	82.374,56	140.790,00
58	317.625,44	902,59	1.567,41	2.470,00	316.058,02	59.318,02	83.941,98	143.260,00
59	316.058,02	898,13	1.571,87	2.470,00	314.486,16	60.216,16	85.513,84	145.730,00
60	314.486,16	893,66	1.576,34	2.470,00	312.909,82	61.109,82	87.090,18	148.200,00
61	312.909,82	889,19	1.580,81	2.470,00	311.329,01	61.999,01	88.670,99	150.670,00
62	311.329,01	884,69	1.585,31	2.470,00	309.743,70	62.883,70	90.256,30	153.140,00
63	309.743,70	880,19	1.589,81	2.470,00	308.153,89	63.763,89	91.846,11	155.610,00
64	308.153,89	875,67	1.594,33	2.470,00	306.559,56	64.639,56	93.440,44	158.080,00
65	306.559,56	871,14	1.598,86	2.470,00	304.960,70	65.510,70	95.039,30	160.550,00
66	304.960,70	866,60	1.603,40	2.470,00	303.357,30	66.377,30	96.642,70	163.020,00
67	303.357,30	862,04	1.607,96	2.470,00	301.749,34	67.239,34	98.250,66	165.490,00
68	301.749,34	857,47	1.612,53	2.470,00	300.136,81	68.096,81	99.863,19	167.960,00
69	300.136,81	852,89	1.617,11	2.470,00	298.519,70	68.949,70	101.480,30	170.430,00
70	298.519,70	848,29	1.621,71	2.470,00	296.897,99	69.797,99	103.102,01	172.900,00
71	296.897,99	843,69	1.626,31	2.470,00	295.271,67	70.641,67	104.728,33	175.370,00
72	295.271,67	839,06	1.630,94	2.470,00	293.640,74	71.480,74	106.359,26	177.840,00
73	293.640,74	834,43	1.635,57	2.470,00	292.005,17	72.315,17	107.994,83	180.310,00
74	292.005,17	829,78	1.640,22	2.470,00	290.364,95	73.144,95	109.635,05	182.780,00
75	290.364,95	825,12	1.644,88	2.470,00	288.720,07	73.970,07	111.279,93	185.250,00
76	288.720,07	820,45	1.649,55	2.470,00	287.070,52	74.790,52	112.929,48	187.720,00
77	287.070,52	815,76	1.654,24	2.470,00	285.416,27	75.606,27	114.583,73	190.190,00
78	285.416,27	811,06	1.658,94	2.470,00	283.757,33	76.417,33	116.242,67	192.660,00
79	283.757,33	806,34	1.663,66	2.470,00	282.093,68	77.223,68	117.906,32	195.130,00
80	282.093,68	801,62	1.668,38	2.470,00	280.425,29	78.025,29	119.574,71	197.600,00
81	280.425,29	796,88	1.673,12	2.470,00	278.752,17	78.822,17	121.247,83	200.070,00
82	278.752,17	792,12	1.677,88	2.470,00	277.074,29	79.614,29	122.925,71	202.540,00
83	277.074,29	787,35	1.682,65	2.470,00	275.391,64	80.401,64	124.608,36	205.010,00
84	275.391,64	782,57	1.687,43	2.470,00	273.704,21	81.184,21	126.295,79	207.480,00
85	273.704,21	777,78	1.692,22	2.470,00	272.011,99	81.961,99	127.988,01	209.950,00
86	272.011,99	772,97	1.697,03	2.470,00	270.314,96	82.734,96	129.685,04	212.420,00
87	270.314,96	768,14	1.701,86	2.470,00	268.613,10	83.503,10	131.386,90	214.890,00
88	268.613,10	763,31	1.706,69	2.470,00	266.906,41	84.266,41	133.093,59	217.360,00
89	266.906,41	758,46	1.711,54	2.470,00	265.194,87	85.024,87	134.805,13	219.830,00
90	265.194,87	753,60	1.716,40	2.470,00	263.478,46	85.778,46	136.521,54	222.300,00
91	263.478,46	748,72	1.721,28	2.470,00	261.757,18	86.527,18	138.242,82	224.770,00
92	261.757,18	743,83	1.726,17	2.470,00	260.031,01	87.271,01	139.968,99	227.240,00
93	260.031,01	738,92	1.731,08	2.470,00	258.299,93	88.009,93	141.700,07	229.710,00
94	258.299,93	734,00	1.736,00	2.470,00	256.563,93	88.743,93	143.436,07	232.180,00
95	256.563,93	729,07	1.740,93	2.470,00	254.823,00	89.473,00	145.177,00	234.650,00
96	254.823,00	724,12	1.745,88	2.470,00	253.077,12	90.197,12	146.922,88	237.120,00
97	253.077,12	719,16	1.750,84	2.470,00	251.326,28	90.916,28	148.673,72	239.590,00
98	251.326,28	714,19	1.755,81	2.470,00	249.570,47	91.630,47	150.429,53	242.060,00
99	249.570,47	709,20	1.760,80	2.470,00	247.809,67	92.339,67	152.190,33	244.530,00
100	247.809,67	704,19	1.765,81	2.470,00	246.043,86	93.043,86	153.956,14	247.000,00
101	246.043,86	699,17	1.770,83	2.470,00	244.273,03	93.743,03	155.726,97	249.470,00
102	244.273,03	694,14	1.775,86	2.470,00	242.497,18	94.437,18	157.502,82	251.940,00
103	242.497,18	689,10	1.780,90	2.470,00	240.716,27	95.126,27	159.283,73	254.410,00
104	240.716,27	684,04	1.785,96	2.470,00	238.930,31	95.810,31	161.069,69	256.880,00
105	238.930,31	678,96	1.791,04	2.470,00	237.139,27	96.489,27	162.860,73	259.350,00
106	237.139,27	673,87	1.796,13	2.470,00	235.343,14	97.163,14	164.656,86	261.820,00
107	235.343,14	668,77	1.801,23	2.470,00	233.541,90	97.831,90	166.458,10	264.290,00
108	233.541,90	663,65	1.806,35	2.470,00	231.735,55	98.495,55	168.264,45	266.760,00
109	231.735,55	658,52	1.811,48	2.470,00	229.924,07	99.154,07	170.075,93	269.230,00
110	229.924,07	653,37	1.816,63	2.470,00	228.107,44	99.807,44	171.892,56	271.700,00
111	228.107,44	648,21	1.821,79	2.470,00	226.285,64	100.455,64	173.714,36	274.170,00
112	226.285,64	643,03	1.826,97	2.470,00	224.458,67	101.098,67	175.541,33	276.640,00
113	224.458,67	637,84	1.832,16	2.470,00	222.626,51	101.736,51	177.373,49	279.110,00
114	222.626,51	632,63	1.837,37	2.470,00	220.789,14	102.369,14	179.210,86	281.580,00
115	220.789,14	627,41	1.842,59	2.470,00	218.946,55	102.996,55	181.053,45	284.050,00
116	218.946,55	622,17	1.847,83	2.470,00	217.098,72	103.618,72	182.901,28	286.520,00
117	217.098,72	616,92	1.853,08	2.470,00	215.245,64	104.235,64	184.754,36	288.990,00
118	215.245,64	611,66	1.858,34	2.470,00	213.387,30	104.847,30	186.612,70	291.460,00
119	213.387,30	606,38	1.863,62	2.470,00	211.523,67	105.453,67	188.476,33	293.930,00
120	211.523,67	601,08	1.868,92	2.470,00	209.654,75	106.054,75	190.345,25	296.400,00
121	209.654,75	595,77	1.874,23	2.470,00	207.780,52	106.650,52	192.219,48	298.870,00
122	207.780,52	590,44	1.879,56	2.470,00	205.900,96	107.240,96	194.099,04	301.340,00
123	205.900,96	585,10	1.884,90	2.470,00	204.016,07	107.826,07	195.983,93	303.810,00
124	204.016,07	579,75	1.890,25	2.470,00	202.125,81	108.405,81	197.874,19	306.280,00
125	202.125,81	574,37	1.895,63	2.470,00	200.230,19	108.980,19	199.769,81	308.750,00
126	200.230,19	568,99	1.901,01	2.470,00	198.329,17	109.549,17	201.670,83	311.220,00
127	198.329,17	563,59	1.906,41	2.470,00	196.422,76	110.112,76	203.577,24	313.690,00
128	196.422,76	558,17	1.911,83	2.470,00	194.510,93	110.670,93	205.489,07	316.160,00
129	194.510,93	552,74	1.917,26	2.470,00	192.593,66	111.223,66	207.406,34	318.630,00
130	192.593,66	547,29	1.922,71	2.470,00	190.670,95	111.770,95	209.329,05	321.100,00
131	190.670,95	541,82	1.928,18	2.470,00	188.742,77	112.312,77	211.257,23	323.570,00
132	188.742,77	536,34	1.933,66	2.470,00	186.809,12	112.849,12	213.190,88	326.040,00
133	186.809,12	530,85	1.939,15	2.470,00	184.869,97	113.379,97	215.130,03	328.510,00
134	184.869,97	525,34	1.944,66	2.470,00	182.925,30	113.905,30	217.074,70	330.980,00
135	182.925,30	519,81	1.950,19	2.470,00	180.975,12	114.425,12	219.024,88	333.450,00
136	180.975,12	514,27	1.955,73	2.470,00	179.019,39	114.939,39	220.980,61	335.920,00
137	179.019,39	508,71	1.961,29	2.470,00	177.058,10	115.448,10	222.941,90	338.390,00
138	177.058,10	503,14	1.966,86	2.470,00	175.091,24	115.951,24	224.908,76	340.860,00
139	175.091,24	497,55	1.972,45	2.470,00	173.118,79	116.448,79	226.881,21	343.330,00
140	173.118,79	491,95	1.978,05	2.470,00	171.140,74	116.940,74	228.859,26	345.800,00
141	171.140,74	486,32	1.983,68	2.470,00	169.157,06	117.427,06	230.842,94	348.270,00
142	169.157,06	480,69	1.989,31	2.470,00	167.167,75	117.907,75	232.832,25	350.740,00
143	167.167,75	475,04	1.994,96	2.470,00	165.172,79	118.382,79	234.827,21	353.210,00
144	165.172,79	469,37	2.000,63	2.470,00	163.172,15	118.852,15	236.827,85	355.680,00
145	163.172,15	463,68	2.006,32	2.470,00	161.165,83	119.315,83	238.834,17	358.150,00
146	161.165,83	457,98	2.012,02	2.470,00	159.153,81	119.773,81	240.846,19	360.620,00
147	159.153,81	452,26	2.017,74	2.470,00	157.136,07	120.226,07	242.863,93	363.090,00
148	157.136,07	446,53	2.023,47	2.470,00	155.112,60	120.672,60	244.887,40	365.560,00
149	155.112,60	440,78	2.029,22	2.470,00	153.083,38	121.113,38	246.916,62	368.030,00
150	153.083,38	435,01	2.034,99	2.470,00	151.048,39	121.548,39	248.951,61	370.500,00
151	151.048,39	429,23	2.040,77	2.470,00	149.007,62	121.977,62	250.992,38	372.970,00
152	149.007,62	423,43	2.046,57	2.470,00	146.961,05	122.401,05	253.038,95	375.440,00
153	146.961,05	417,61	2.052,39	2.470,00	144.908,67	122.818,67	255.091,33	377.910,00
154	144.908,67	411,78	2.058,22	2.470,00	142.850,45	123.230,45	257.149,55	380.380,00
155	142.850,45	405,93	2.064,07	2.470,00	140.786,38	123.636,38	259.213,62	382.850,00
156	140.786,38	400,07	2.069,93	2.470,00	138.716,45	124.036,45	261.283,55	385.320,00
157	138.716,45	394,19	2.075,81	2.470,00	136.640,64	124.430,64	263.359,36	387.790,00
158	136.640,64	388,29	2.081,71	2.470,00	134.558,92	124.818,92	265.441,08	390.260,00
159	134.558,92	382,37	2.087,63	2.470,00	132.471,30	125.201,30	267.528,70	392.730,00
160	132.471,30	376,44	2.093,56	2.470,00	130.377,73	125.577,73	269.622,27	395.200,00
161	130.377,73	370,49	2.099,51	2.470,00	128.278,22	125.948,22	271.721,78	397.670,00
162	128.278,22	364,52	2.105,48	2.470,00	126.172,75	126.312,75	273.827,25	400.140,00
163	126.172,75	358,54	2.111,46	2.470,00	124.061,29	126.671,29	275.938,71	402.610,00
164	124.061,29	352,54	2.117,46	2.470,00	121.943,83	127.023,83	278.056,17	405.080,00
165	121.943,83	346,52	2.123,48	2.470,00	119.820,35	127.370,35	280.179,65	407.550,00
166	119.820,35	340,49	2.129,51	2.470,00	117.690,84	127.710,84	282.309,16	410.020,00
167	117.690,84	334,44	2.135,56	2.470,00	115.555,28	128.045,28	284.444,72	412.490,00
168	115.555,28	328,37	2.141,63	2.470,00	113.413,65	128.373,65	286.586,35	414.960,00
169	113.413,65	322,28	2.147,72	2.470,00	111.265,93	128.695,93	288.734,07	417.430,00
170	111.265,93	316,18	2.153,82	2.470,00	109.112,12	129.012,12	290.887,88	419.900,00
171	109.112,12	310,06	2.159,94	2.470,00	106.952,18	129.322,18	293.047,82	422.370,00
172	106.952,18	303,92	2.166,08	2.470,00	104.786,10	129.626,10	295.213,90	424.840,00
173	104.786,10	297,77	2.172,23	2.470,00	102.613,87	129.923,87	297.386,13	427.310,00
174	102.613,87	291,59	2.178,41	2.470,00	100.435,46	130.215,46	299.564,54	429.780,00
175	100.435,46	285,40	2.184,60	2.470,00	98.250,86	130.500,86	301.749,14	432.250,00
176	98.250,86	279,20	2.190,80	2.470,00	96.060,06	130.780,06	303.939,94	434.720,00
177	96.060,06	272,97	2.197,03	2.470,00	93.863,03	131.053,03	306.136,97	437.190,00
178	93.863,03	266,73	2.203,27	2.470,00	91.659,76	131.319,76	308.340,24	439.660,00
179	91.659,76	260,47	2.209,53	2.470,00	89.450,22	131.580,22	310.549,78	442.130,00
180	89.450,22	254,19	2.215,81	2.470,00	87.234,41	131.834,41	312.765,59	444.600,00
181	87.234,41	247,89	2.222,11	2.470,00	85.012,30	132.082,30	314.987,70	447.070,00
182	85.012,30	241,58	2.228,42	2.470,00	82.783,88	132.323,88	317.216,12	449.540,00
183	82.783,88	235,24	2.234,76	2.470,00	80.549,12	132.559,12	319.450,88	452.010,00
184	80.549,12	228,89	2.241,11	2.470,00	78.308,02	132.788,02	321.691,98	454.480,00
185	78.308,02	222,53	2.247,47	2.470,00	76.060,54	133.010,54	323.939,46	456.950,00
186	76.060,54	216,14	2.253,86	2.470,00	73.806,68	133.226,68	326.193,32	459.420,00
187	73.806,68	209,73	2.260,27	2.470,00	71.546,42	133.436,42	328.453,58	461.890,00
188	71.546,42	203,31	2.266,69	2.470,00	69.279,73	133.639,73	330.720,27	464.360,00
189	69.279,73	196,87	2.273,13	2.470,00	67.006,60	133.836,60	332.993,40	466.830,00
190	67.006,60	190,41	2.279,59	2.470,00	64.727,01	134.027,01	335.272,99	469.300,00
191	64.727,01	183,93	2.286,07	2.470,00	62.440,94	134.210,94	337.559,06	471.770,00
192	62.440,94	177,44	2.292,56	2.470,00	60.148,38	134.388,38	339.851,62	474.240,00
193	60.148,38	170,92	2.299,08	2.470,00	57.849,30	134.559,30	342.150,70	476.710,00
194	57.849,30	164,39	2.305,61	2.470,00	55.543,69	134.723,69	344.456,31	479.180,00
195	55.543,69	157,84	2.312,16	2.470,00	53.231,52	134.881,52	346.768,48	481.650,00
196	53.231,52	151,27	2.318,73	2.470,00	50.912,79	135.032,79	349.087,21	484.120,00
197	50.912,79	144,68	2.325,32	2.470,00	48.587,47	135.177,47	351.412,53	486.590,00
198	48.587,47	138,07	2.331,93	2.470,00	46.255,54	135.315,54	353.744,46	489.060,00
199	46.255,54	131,44	2.338,56	2.470,00	43.916,98	135.446,98	356.083,02	491.530,00
200	43.916,98	124,80	2.345,20	2.470,00	41.571,78	135.571,78	358.428,22	494.000,00
201	41.571,78	118,13	2.351,87	2.470,00	39.219,91	135.689,91	360.780,09	496.470,00
202	39.219,91	111,45	2.358,55	2.470,00	36.861,36	135.801,36	363.138,64	498.940,00
203	36.861,36	104,75	2.365,25	2.470,00	34.496,11	135.906,11	365.503,89	501.410,00
204	34.496,11	98,03	2.371,97	2.470,00	32.124,13	136.004,13	367.875,87	503.880,00
205	32.124,13	91,29	2.378,71	2.470,00	29.745,42	136.095,42	370.254,58	506.350,00
206	29.745,42	84,53	2.385,47	2.470,00	27.359,95	136.179,95	372.640,05	508.820,00
207	27.359,95	77,75	2.392,25	2.470,00	24.967,69	136.257,69	375.032,31	511.290,00
208	24.967,69	70,95	2.399,05	2.470,00	22.568,64	136.328,64	377.431,36	513.760,00
209	22.568,64	64,13	2.405,87	2.470,00	20.162,78	136.392,78	379.837,22	516.230,00
210	20.162,78	57,30	2.412,70	2.470,00	17.750,07	136.450,07	382.249,93	518.700,00
211	17.750,07	50,44	2.419,56	2.470,00	15.330,51	136.500,51	384.669,49	521.170,00
212	15.330,51	43,56	2.426,44	2.470,00	12.904,08	136.544,08	387.095,92	523.640,00
213	12.904,08	36,67	2.433,33	2.470,00	10.470,75	136.580,75	389.529,25	526.110,00
214	10.470,75	29,75	2.440,25	2.470,00	8.030,50	136.610,50	391.969,50	528.580,00
215	8.030,50	22,82	2.447,18	2.470,00	5.583,32	136.633,32	394.416,68	531.050,00
216	5.583,32	15,87	2.454,13	2.470,00	3.129,19	136.649,19	396.870,81	533.520,00
217	3.129,19	8,89	2.461,11	2.470,00	668,08	136.658,08	399.331,92	535.990,00
218	668,08	1,90	668,08	668,08	668,08	136.659,98	400.000,00	536.659,98

Dr. Klein Baufinanzierung

3.82/5,00

138.293,07€
Zinsanteil

2.486,67€
Monatsrate

3,46%
Sollzins p.a.

3,54%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 190.000,00 €;Kreditrate: 777,42 €;Gesamtbetrag: 46.645,20 €;Anzahl Kreditraten: 60;Laufzeit: 60 Monate;Effektiver Jahreszins: 3,63 %;Gebundener Sollzins: 3,52 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.153,33	1.333,33	2.486,67	398.666,67	1.153,33	1.333,33	2.486,67
2	398.666,67	1.149,49	1.337,18	2.486,67	397.329,49	2.302,82	2.670,51	4.973,33
3	397.329,49	1.145,63	1.341,03	2.486,67	395.988,46	3.448,46	4.011,54	7.460,00
4	395.988,46	1.141,77	1.344,90	2.486,67	394.643,56	4.590,22	5.356,44	9.946,67
5	394.643,56	1.137,89	1.348,78	2.486,67	393.294,78	5.728,11	6.705,22	12.433,33
6	393.294,78	1.134,00	1.352,67	2.486,67	391.942,11	6.862,11	8.057,89	14.920,00
7	391.942,11	1.130,10	1.356,57	2.486,67	390.585,54	7.992,21	9.414,46	17.406,67
8	390.585,54	1.126,19	1.360,48	2.486,67	389.225,07	9.118,40	10.774,93	19.893,33
9	389.225,07	1.122,27	1.364,40	2.486,67	387.860,66	10.240,66	12.139,34	22.380,00
10	387.860,66	1.118,33	1.368,34	2.486,67	386.492,33	11.359,00	13.507,67	24.866,67
11	386.492,33	1.114,39	1.372,28	2.486,67	385.120,05	12.473,38	14.879,95	27.353,33
12	385.120,05	1.110,43	1.376,24	2.486,67	383.743,81	13.583,81	16.256,19	29.840,00
13	383.743,81	1.106,46	1.380,21	2.486,67	382.363,61	14.690,27	17.636,39	32.326,67
14	382.363,61	1.102,48	1.384,18	2.486,67	380.979,42	15.792,76	19.020,58	34.813,33
15	380.979,42	1.098,49	1.388,18	2.486,67	379.591,25	16.891,25	20.408,75	37.300,00
16	379.591,25	1.094,49	1.392,18	2.486,67	378.199,07	17.985,73	21.800,93	39.786,67
17	378.199,07	1.090,47	1.396,19	2.486,67	376.802,87	19.076,21	23.197,13	42.273,33
18	376.802,87	1.086,45	1.400,22	2.486,67	375.402,66	20.162,66	24.597,34	44.760,00
19	375.402,66	1.082,41	1.404,26	2.486,67	373.998,40	21.245,07	26.001,60	47.246,67
20	373.998,40	1.078,36	1.408,30	2.486,67	372.590,10	22.323,43	27.409,90	49.733,33
21	372.590,10	1.074,30	1.412,37	2.486,67	371.177,73	23.397,73	28.822,27	52.220,00
22	371.177,73	1.070,23	1.416,44	2.486,67	369.761,29	24.467,96	30.238,71	54.706,67
23	369.761,29	1.066,15	1.420,52	2.486,67	368.340,77	25.534,10	31.659,23	57.193,33
24	368.340,77	1.062,05	1.424,62	2.486,67	366.916,15	26.596,15	33.083,85	59.680,00
25	366.916,15	1.057,94	1.428,73	2.486,67	365.487,43	27.654,10	34.512,57	62.166,67
26	365.487,43	1.053,82	1.432,84	2.486,67	364.054,58	28.707,92	35.945,42	64.653,33
27	364.054,58	1.049,69	1.436,98	2.486,67	362.617,61	29.757,61	37.382,39	67.140,00
28	362.617,61	1.045,55	1.441,12	2.486,67	361.176,49	30.803,16	38.823,51	69.626,67
29	361.176,49	1.041,39	1.445,27	2.486,67	359.731,21	31.844,55	40.268,79	72.113,33
30	359.731,21	1.037,23	1.449,44	2.486,67	358.281,77	32.881,77	41.718,23	74.600,00
31	358.281,77	1.033,05	1.453,62	2.486,67	356.828,15	33.914,82	43.171,85	77.086,67
32	356.828,15	1.028,85	1.457,81	2.486,67	355.370,34	34.943,67	44.629,66	79.573,33
33	355.370,34	1.024,65	1.462,02	2.486,67	353.908,32	35.968,32	46.091,68	82.060,00
34	353.908,32	1.020,44	1.466,23	2.486,67	352.442,09	36.988,76	47.557,91	84.546,67
35	352.442,09	1.016,21	1.470,46	2.486,67	350.971,63	38.004,97	49.028,37	87.033,33
36	350.971,63	1.011,97	1.474,70	2.486,67	349.496,94	39.016,94	50.503,06	89.520,00
37	349.496,94	1.007,72	1.478,95	2.486,67	348.017,99	40.024,65	51.982,01	92.006,67
38	348.017,99	1.003,45	1.483,21	2.486,67	346.534,77	41.028,10	53.465,23	94.493,33
39	346.534,77	999,18	1.487,49	2.486,67	345.047,28	42.027,28	54.952,72	96.980,00
40	345.047,28	994,89	1.491,78	2.486,67	343.555,50	43.022,17	56.444,50	99.466,67
41	343.555,50	990,59	1.496,08	2.486,67	342.059,42	44.012,75	57.940,58	101.953,33
42	342.059,42	986,27	1.500,40	2.486,67	340.559,02	44.999,02	59.440,98	104.440,00
43	340.559,02	981,95	1.504,72	2.486,67	339.054,30	45.980,97	60.945,70	106.926,67
44	339.054,30	977,61	1.509,06	2.486,67	337.545,24	46.958,57	62.454,76	109.413,33
45	337.545,24	973,26	1.513,41	2.486,67	336.031,83	47.931,83	63.968,17	111.900,00
46	336.031,83	968,89	1.517,77	2.486,67	334.514,05	48.900,72	65.485,95	114.386,67
47	334.514,05	964,52	1.522,15	2.486,67	332.991,90	49.865,24	67.008,10	116.873,33
48	332.991,90	960,13	1.526,54	2.486,67	331.465,36	50.825,36	68.534,64	119.360,00
49	331.465,36	955,73	1.530,94	2.486,67	329.934,42	51.781,09	70.065,58	121.846,67
50	329.934,42	951,31	1.535,36	2.486,67	328.399,07	52.732,40	71.600,93	124.333,33
51	328.399,07	946,88	1.539,78	2.486,67	326.859,28	53.679,28	73.140,72	126.820,00
52	326.859,28	942,44	1.544,22	2.486,67	325.315,06	54.621,73	74.684,94	129.306,67
53	325.315,06	937,99	1.548,67	2.486,67	323.766,39	55.559,72	76.233,61	131.793,33
54	323.766,39	933,53	1.553,14	2.486,67	322.213,25	56.493,25	77.786,75	134.280,00
55	322.213,25	929,05	1.557,62	2.486,67	320.655,63	57.422,29	79.344,37	136.766,67
56	320.655,63	924,56	1.562,11	2.486,67	319.093,52	58.346,85	80.906,48	139.253,33
57	319.093,52	920,05	1.566,61	2.486,67	317.526,90	59.266,90	82.473,10	141.740,00
58	317.526,90	915,54	1.571,13	2.486,67	315.955,77	60.182,44	84.044,23	144.226,67
59	315.955,77	911,01	1.575,66	2.486,67	314.380,11	61.093,45	85.619,89	146.713,33
60	314.380,11	906,46	1.580,20	2.486,67	312.799,91	61.999,91	87.200,09	149.200,00
61	312.799,91	901,91	1.584,76	2.486,67	311.215,15	62.901,82	88.784,85	151.686,67
62	311.215,15	897,34	1.589,33	2.486,67	309.625,82	63.799,15	90.374,18	154.173,33
63	309.625,82	892,75	1.593,91	2.486,67	308.031,91	64.691,91	91.968,09	156.660,00
64	308.031,91	888,16	1.598,51	2.486,67	306.433,40	65.580,07	93.566,60	159.146,67
65	306.433,40	883,55	1.603,12	2.486,67	304.830,28	66.463,61	95.169,72	161.633,33
66	304.830,28	878,93	1.607,74	2.486,67	303.222,54	67.342,54	96.777,46	164.120,00
67	303.222,54	874,29	1.612,38	2.486,67	301.610,17	68.216,83	98.389,83	166.606,67
68	301.610,17	869,64	1.617,02	2.486,67	299.993,14	69.086,48	100.006,86	169.093,33
69	299.993,14	864,98	1.621,69	2.486,67	298.371,46	69.951,46	101.628,54	171.580,00
70	298.371,46	860,30	1.626,36	2.486,67	296.745,09	70.811,76	103.254,91	174.066,67
71	296.745,09	855,62	1.631,05	2.486,67	295.114,04	71.667,38	104.885,96	176.553,33
72	295.114,04	850,91	1.635,75	2.486,67	293.478,29	72.518,29	106.521,71	179.040,00
73	293.478,29	846,20	1.640,47	2.486,67	291.837,82	73.364,48	108.162,18	181.526,67
74	291.837,82	841,47	1.645,20	2.486,67	290.192,62	74.205,95	109.807,38	184.013,33
75	290.192,62	836,72	1.649,94	2.486,67	288.542,67	75.042,67	111.457,33	186.500,00
76	288.542,67	831,96	1.654,70	2.486,67	286.887,97	75.874,64	113.112,03	188.986,67
77	286.887,97	827,19	1.659,47	2.486,67	285.228,50	76.701,83	114.771,50	191.473,33
78	285.228,50	822,41	1.664,26	2.486,67	283.564,24	77.524,24	116.435,76	193.960,00
79	283.564,24	817,61	1.669,06	2.486,67	281.895,18	78.341,85	118.104,82	196.446,67
80	281.895,18	812,80	1.673,87	2.486,67	280.221,31	79.154,65	119.778,69	198.933,33
81	280.221,31	807,97	1.678,70	2.486,67	278.542,62	79.962,62	121.457,38	201.420,00
82	278.542,62	803,13	1.683,54	2.486,67	276.859,08	80.765,75	123.140,92	203.906,67
83	276.859,08	798,28	1.688,39	2.486,67	275.170,69	81.564,03	124.829,31	206.393,33
84	275.170,69	793,41	1.693,26	2.486,67	273.477,44	82.357,44	126.522,56	208.880,00
85	273.477,44	788,53	1.698,14	2.486,67	271.779,30	83.145,96	128.220,70	211.366,67
86	271.779,30	783,63	1.703,04	2.486,67	270.076,26	83.929,59	129.923,74	213.853,33
87	270.076,26	778,72	1.707,95	2.486,67	268.368,31	84.708,31	131.631,69	216.340,00
88	268.368,31	773,80	1.712,87	2.486,67	266.655,44	85.482,11	133.344,56	218.826,67
89	266.655,44	768,86	1.717,81	2.486,67	264.937,63	86.250,96	135.062,37	221.313,33
90	264.937,63	763,90	1.722,76	2.486,67	263.214,87	87.014,87	136.785,13	223.800,00
91	263.214,87	758,94	1.727,73	2.486,67	261.487,14	87.773,80	138.512,86	226.286,67
92	261.487,14	753,95	1.732,71	2.486,67	259.754,42	88.527,76	140.245,58	228.773,33
93	259.754,42	748,96	1.737,71	2.486,67	258.016,72	89.276,72	141.983,28	231.260,00
94	258.016,72	743,95	1.742,72	2.486,67	256.274,00	90.020,67	143.726,00	233.746,67
95	256.274,00	738,92	1.747,74	2.486,67	254.526,26	90.759,59	145.473,74	236.233,33
96	254.526,26	733,88	1.752,78	2.486,67	252.773,47	91.493,47	147.226,53	238.720,00
97	252.773,47	728,83	1.757,84	2.486,67	251.015,64	92.222,30	148.984,36	241.206,67
98	251.015,64	723,76	1.762,90	2.486,67	249.252,73	92.946,06	150.747,27	243.693,33
99	249.252,73	718,68	1.767,99	2.486,67	247.484,74	93.664,74	152.515,26	246.180,00
100	247.484,74	713,58	1.773,09	2.486,67	245.711,66	94.378,32	154.288,34	248.666,67
101	245.711,66	708,47	1.778,20	2.486,67	243.933,46	95.086,79	156.066,54	251.153,33
102	243.933,46	703,34	1.783,33	2.486,67	242.150,13	95.790,13	157.849,87	253.640,00
103	242.150,13	698,20	1.788,47	2.486,67	240.361,67	96.488,33	159.638,33	256.126,67
104	240.361,67	693,04	1.793,62	2.486,67	238.568,04	97.181,38	161.431,96	258.613,33
105	238.568,04	687,87	1.798,80	2.486,67	236.769,25	97.869,25	163.230,75	261.100,00
106	236.769,25	682,68	1.803,98	2.486,67	234.965,27	98.551,93	165.034,73	263.586,67
107	234.965,27	677,48	1.809,18	2.486,67	233.156,08	99.229,42	166.843,92	266.073,33
108	233.156,08	672,27	1.814,40	2.486,67	231.341,68	99.901,68	168.658,32	268.560,00
109	231.341,68	667,04	1.819,63	2.486,67	229.522,05	100.568,72	170.477,95	271.046,67
110	229.522,05	661,79	1.824,88	2.486,67	227.697,17	101.230,51	172.302,83	273.533,33
111	227.697,17	656,53	1.830,14	2.486,67	225.867,03	101.887,03	174.132,97	276.020,00
112	225.867,03	651,25	1.835,42	2.486,67	224.031,62	102.538,28	175.968,38	278.506,67
113	224.031,62	645,96	1.840,71	2.486,67	222.190,91	103.184,24	177.809,09	280.993,33
114	222.190,91	640,65	1.846,02	2.486,67	220.344,89	103.824,89	179.655,11	283.480,00
115	220.344,89	635,33	1.851,34	2.486,67	218.493,55	104.460,22	181.506,45	285.966,67
116	218.493,55	629,99	1.856,68	2.486,67	216.636,88	105.090,21	183.363,12	288.453,33
117	216.636,88	624,64	1.862,03	2.486,67	214.774,84	105.714,84	185.225,16	290.940,00
118	214.774,84	619,27	1.867,40	2.486,67	212.907,45	106.334,11	187.092,55	293.426,67
119	212.907,45	613,88	1.872,78	2.486,67	211.034,66	106.948,00	188.965,34	295.913,33
120	211.034,66	608,48	1.878,18	2.486,67	209.156,48	107.556,48	190.843,52	298.400,00
121	209.156,48	603,07	1.883,60	2.486,67	207.272,88	108.159,55	192.727,12	300.886,67
122	207.272,88	597,64	1.889,03	2.486,67	205.383,85	108.757,18	194.616,15	303.373,33
123	205.383,85	592,19	1.894,48	2.486,67	203.489,37	109.349,37	196.510,63	305.860,00
124	203.489,37	586,73	1.899,94	2.486,67	201.589,43	109.936,10	198.410,57	308.346,67
125	201.589,43	581,25	1.905,42	2.486,67	199.684,02	110.517,35	200.315,98	310.833,33
126	199.684,02	575,76	1.910,91	2.486,67	197.773,11	111.093,11	202.226,89	313.320,00
127	197.773,11	570,25	1.916,42	2.486,67	195.856,69	111.663,35	204.143,31	315.806,67
128	195.856,69	564,72	1.921,95	2.486,67	193.934,74	112.228,07	206.065,26	318.293,33
129	193.934,74	559,18	1.927,49	2.486,67	192.007,25	112.787,25	207.992,75	320.780,00
130	192.007,25	553,62	1.933,05	2.486,67	190.074,21	113.340,87	209.925,79	323.266,67
131	190.074,21	548,05	1.938,62	2.486,67	188.135,59	113.888,92	211.864,41	325.753,33
132	188.135,59	542,46	1.944,21	2.486,67	186.191,38	114.431,38	213.808,62	328.240,00
133	186.191,38	536,85	1.949,81	2.486,67	184.241,56	114.968,23	215.758,44	330.726,67
134	184.241,56	531,23	1.955,44	2.486,67	182.286,12	115.499,46	217.713,88	333.213,33
135	182.286,12	525,59	1.961,08	2.486,67	180.325,05	116.025,05	219.674,95	335.700,00
136	180.325,05	519,94	1.966,73	2.486,67	178.358,32	116.544,99	221.641,68	338.186,67
137	178.358,32	514,27	1.972,40	2.486,67	176.385,92	117.059,25	223.614,08	340.673,33
138	176.385,92	508,58	1.978,09	2.486,67	174.407,83	117.567,83	225.592,17	343.160,00
139	174.407,83	502,88	1.983,79	2.486,67	172.424,04	118.070,71	227.575,96	345.646,67
140	172.424,04	497,16	1.989,51	2.486,67	170.434,53	118.567,86	229.565,47	348.133,33
141	170.434,53	491,42	1.995,25	2.486,67	168.439,28	119.059,28	231.560,72	350.620,00
142	168.439,28	485,67	2.001,00	2.486,67	166.438,28	119.544,95	233.561,72	353.106,67
143	166.438,28	479,90	2.006,77	2.486,67	164.431,51	120.024,85	235.568,49	355.593,33
144	164.431,51	474,11	2.012,56	2.486,67	162.418,96	120.498,96	237.581,04	358.080,00
145	162.418,96	468,31	2.018,36	2.486,67	160.400,60	120.967,27	239.599,40	360.566,67
146	160.400,60	462,49	2.024,18	2.486,67	158.376,42	121.429,76	241.623,58	363.053,33
147	158.376,42	456,65	2.030,01	2.486,67	156.346,41	121.886,41	243.653,59	365.540,00
148	156.346,41	450,80	2.035,87	2.486,67	154.310,54	122.337,21	245.689,46	368.026,67
149	154.310,54	444,93	2.041,74	2.486,67	152.268,80	122.782,13	247.731,20	370.513,33
150	152.268,80	439,04	2.047,62	2.486,67	150.221,18	123.221,18	249.778,82	373.000,00
151	150.221,18	433,14	2.053,53	2.486,67	148.167,65	123.654,31	251.832,35	375.486,67
152	148.167,65	427,22	2.059,45	2.486,67	146.108,20	124.081,53	253.891,80	377.973,33
153	146.108,20	421,28	2.065,39	2.486,67	144.042,81	124.502,81	255.957,19	380.460,00
154	144.042,81	415,32	2.071,34	2.486,67	141.971,47	124.918,13	258.028,53	382.946,67
155	141.971,47	409,35	2.077,32	2.486,67	139.894,15	125.327,48	260.105,85	385.433,33
156	139.894,15	403,36	2.083,31	2.486,67	137.810,85	125.730,85	262.189,15	387.920,00
157	137.810,85	397,35	2.089,31	2.486,67	135.721,53	126.128,20	264.278,47	390.406,67
158	135.721,53	391,33	2.095,34	2.486,67	133.626,20	126.519,53	266.373,80	392.893,33
159	133.626,20	385,29	2.101,38	2.486,67	131.524,82	126.904,82	268.475,18	395.380,00
160	131.524,82	379,23	2.107,44	2.486,67	129.417,38	127.284,05	270.582,62	397.866,67
161	129.417,38	373,15	2.113,51	2.486,67	127.303,87	127.657,20	272.696,13	400.353,33
162	127.303,87	367,06	2.119,61	2.486,67	125.184,26	128.024,26	274.815,74	402.840,00
163	125.184,26	360,95	2.125,72	2.486,67	123.058,54	128.385,21	276.941,46	405.326,67
164	123.058,54	354,82	2.131,85	2.486,67	120.926,70	128.740,03	279.073,30	407.813,33
165	120.926,70	348,67	2.137,99	2.486,67	118.788,70	129.088,70	281.211,30	410.300,00
166	118.788,70	342,51	2.144,16	2.486,67	116.644,54	129.431,21	283.355,46	412.786,67
167	116.644,54	336,33	2.150,34	2.486,67	114.494,20	129.767,53	285.505,80	415.273,33
168	114.494,20	330,12	2.156,54	2.486,67	112.337,66	130.097,66	287.662,34	417.760,00
169	112.337,66	323,91	2.162,76	2.486,67	110.174,90	130.421,57	289.825,10	420.246,67
170	110.174,90	317,67	2.169,00	2.486,67	108.005,90	130.739,24	291.994,10	422.733,33
171	108.005,90	311,42	2.175,25	2.486,67	105.830,65	131.050,65	294.169,35	425.220,00
172	105.830,65	305,15	2.181,52	2.486,67	103.649,13	131.355,80	296.350,87	427.706,67
173	103.649,13	298,85	2.187,81	2.486,67	101.461,32	131.654,65	298.538,68	430.193,33
174	101.461,32	292,55	2.194,12	2.486,67	99.267,20	131.947,20	300.732,80	432.680,00
175	99.267,20	286,22	2.200,45	2.486,67	97.066,75	132.233,42	302.933,25	435.166,67
176	97.066,75	279,88	2.206,79	2.486,67	94.859,96	132.513,30	305.140,04	437.653,33
177	94.859,96	273,51	2.213,15	2.486,67	92.646,81	132.786,81	307.353,19	440.140,00
178	92.646,81	267,13	2.219,54	2.486,67	90.427,27	133.053,94	309.572,73	442.626,67
179	90.427,27	260,73	2.225,93	2.486,67	88.201,34	133.314,67	311.798,66	445.113,33
180	88.201,34	254,31	2.232,35	2.486,67	85.968,99	133.568,99	314.031,01	447.600,00
181	85.968,99	247,88	2.238,79	2.486,67	83.730,20	133.816,86	316.269,80	450.086,67
182	83.730,20	241,42	2.245,24	2.486,67	81.484,95	134.058,29	318.515,05	452.573,33
183	81.484,95	234,95	2.251,72	2.486,67	79.233,23	134.293,23	320.766,77	455.060,00
184	79.233,23	228,46	2.258,21	2.486,67	76.975,02	134.521,69	323.024,98	457.546,67
185	76.975,02	221,94	2.264,72	2.486,67	74.710,30	134.743,64	325.289,70	460.033,33
186	74.710,30	215,41	2.271,25	2.486,67	72.439,05	134.959,05	327.560,95	462.520,00
187	72.439,05	208,87	2.277,80	2.486,67	70.161,25	135.167,92	329.838,75	465.006,67
188	70.161,25	202,30	2.284,37	2.486,67	67.876,88	135.370,21	332.123,12	467.493,33
189	67.876,88	195,71	2.290,95	2.486,67	65.585,93	135.565,93	334.414,07	469.980,00
190	65.585,93	189,11	2.297,56	2.486,67	63.288,37	135.755,03	336.711,63	472.466,67
191	63.288,37	182,48	2.304,19	2.486,67	60.984,18	135.937,51	339.015,82	474.953,33
192	60.984,18	175,84	2.310,83	2.486,67	58.673,35	136.113,35	341.326,65	477.440,00
193	58.673,35	169,17	2.317,49	2.486,67	56.355,86	136.282,53	343.644,14	479.926,67
194	56.355,86	162,49	2.324,17	2.486,67	54.031,69	136.445,02	345.968,31	482.413,33
195	54.031,69	155,79	2.330,88	2.486,67	51.700,81	136.600,81	348.299,19	484.900,00
196	51.700,81	149,07	2.337,60	2.486,67	49.363,21	136.749,88	350.636,79	487.386,67
197	49.363,21	142,33	2.344,34	2.486,67	47.018,88	136.892,21	352.981,12	489.873,33
198	47.018,88	135,57	2.351,10	2.486,67	44.667,78	137.027,78	355.332,22	492.360,00
199	44.667,78	128,79	2.357,87	2.486,67	42.309,91	137.156,57	357.690,09	494.846,67
200	42.309,91	121,99	2.364,67	2.486,67	39.945,23	137.278,57	360.054,77	497.333,33
201	39.945,23	115,18	2.371,49	2.486,67	37.573,74	137.393,74	362.426,26	499.820,00
202	37.573,74	108,34	2.378,33	2.486,67	35.195,41	137.502,08	364.804,59	502.306,67
203	35.195,41	101,48	2.385,19	2.486,67	32.810,23	137.603,56	367.189,77	504.793,33
204	32.810,23	94,60	2.392,06	2.486,67	30.418,16	137.698,16	369.581,84	507.280,00
205	30.418,16	87,71	2.398,96	2.486,67	28.019,20	137.785,87	371.980,80	509.766,67
206	28.019,20	80,79	2.405,88	2.486,67	25.613,32	137.866,66	374.386,68	512.253,33
207	25.613,32	73,85	2.412,81	2.486,67	23.200,51	137.940,51	376.799,49	514.740,00
208	23.200,51	66,89	2.419,77	2.486,67	20.780,74	138.007,40	379.219,26	517.226,67
209	20.780,74	59,92	2.426,75	2.486,67	18.353,99	138.067,32	381.646,01	519.713,33
210	18.353,99	52,92	2.433,75	2.486,67	15.920,24	138.120,24	384.079,76	522.200,00
211	15.920,24	45,90	2.440,76	2.486,67	13.479,48	138.166,15	386.520,52	524.686,67
212	13.479,48	38,87	2.447,80	2.486,67	11.031,68	138.205,01	388.968,32	527.173,33
213	11.031,68	31,81	2.454,86	2.486,67	8.576,82	138.236,82	391.423,18	529.660,00
214	8.576,82	24,73	2.461,94	2.486,67	6.114,88	138.261,55	393.885,12	532.146,67
215	6.114,88	17,63	2.469,04	2.486,67	3.645,85	138.279,18	396.354,15	534.633,33
216	3.645,85	10,51	2.476,15	2.486,67	1.169,69	138.289,69	398.830,31	537.120,00
217	1.169,69	3,37	1.169,69	1.169,69	1.169,69	138.293,07	400.000,00	538.293,07

DSL Bank Baufinanzierung

3.63/5,00

138.943,59€
Zinsanteil

2.493,33€
Monatsrate

3,48%
Sollzins p.a.

3,56%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 150.000,00 €;Kreditrate: 732,50 €;Gesamtbetrag: 43.950,00 €;Anzahl Kreditraten: 720;Laufzeit: 335 Monate;Effektiver Jahreszins: 3,99 %;Gebundener Sollzins: 3,86 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.160,00	1.333,33	2.493,33	398.666,67	1.160,00	1.333,33	2.493,33
2	398.666,67	1.156,13	1.337,20	2.493,33	397.329,47	2.316,13	2.670,53	4.986,67
3	397.329,47	1.152,26	1.341,08	2.493,33	395.988,39	3.468,39	4.011,61	7.480,00
4	395.988,39	1.148,37	1.344,97	2.493,33	394.643,42	4.616,76	5.356,58	9.973,33
5	394.643,42	1.144,47	1.348,87	2.493,33	393.294,55	5.761,22	6.705,45	12.466,67
6	393.294,55	1.140,55	1.352,78	2.493,33	391.941,78	6.901,78	8.058,22	14.960,00
7	391.941,78	1.136,63	1.356,70	2.493,33	390.585,07	8.038,41	9.414,93	17.453,33
8	390.585,07	1.132,70	1.360,64	2.493,33	389.224,44	9.171,10	10.775,56	19.946,67
9	389.224,44	1.128,75	1.364,58	2.493,33	387.859,85	10.299,85	12.140,15	22.440,00
10	387.859,85	1.124,79	1.368,54	2.493,33	386.491,31	11.424,65	13.508,69	24.933,33
11	386.491,31	1.120,82	1.372,51	2.493,33	385.118,81	12.545,47	14.881,19	27.426,67
12	385.118,81	1.116,84	1.376,49	2.493,33	383.742,32	13.662,32	16.257,68	29.920,00
13	383.742,32	1.112,85	1.380,48	2.493,33	382.361,84	14.775,17	17.638,16	32.413,33
14	382.361,84	1.108,85	1.384,48	2.493,33	380.977,35	15.884,02	19.022,65	34.906,67
15	380.977,35	1.104,83	1.388,50	2.493,33	379.588,85	16.988,85	20.411,15	37.400,00
16	379.588,85	1.100,81	1.392,53	2.493,33	378.196,33	18.089,66	21.803,67	39.893,33
17	378.196,33	1.096,77	1.396,56	2.493,33	376.799,76	19.186,43	23.200,24	42.386,67
18	376.799,76	1.092,72	1.400,61	2.493,33	375.399,15	20.279,15	24.600,85	44.880,00
19	375.399,15	1.088,66	1.404,68	2.493,33	373.994,47	21.367,81	26.005,53	47.373,33
20	373.994,47	1.084,58	1.408,75	2.493,33	372.585,72	22.452,39	27.414,28	49.866,67
21	372.585,72	1.080,50	1.412,83	2.493,33	371.172,89	23.532,89	28.827,11	52.360,00
22	371.172,89	1.076,40	1.416,93	2.493,33	369.755,96	24.609,29	30.244,04	54.853,33
23	369.755,96	1.072,29	1.421,04	2.493,33	368.334,92	25.681,58	31.665,08	57.346,67
24	368.334,92	1.068,17	1.425,16	2.493,33	366.909,75	26.749,75	33.090,25	59.840,00
25	366.909,75	1.064,04	1.429,30	2.493,33	365.480,46	27.813,79	34.519,54	62.333,33
26	365.480,46	1.059,89	1.433,44	2.493,33	364.047,02	28.873,69	35.952,98	64.826,67
27	364.047,02	1.055,74	1.437,60	2.493,33	362.609,42	29.929,42	37.390,58	67.320,00
28	362.609,42	1.051,57	1.441,77	2.493,33	361.167,66	30.980,99	38.832,34	69.813,33
29	361.167,66	1.047,39	1.445,95	2.493,33	359.721,71	32.028,38	40.278,29	72.306,67
30	359.721,71	1.043,19	1.450,14	2.493,33	358.271,57	33.071,57	41.728,43	74.800,00
31	358.271,57	1.038,99	1.454,35	2.493,33	356.817,22	34.110,56	43.182,78	77.293,33
32	356.817,22	1.034,77	1.458,56	2.493,33	355.358,66	35.145,33	44.641,34	79.786,67
33	355.358,66	1.030,54	1.462,79	2.493,33	353.895,87	36.175,87	46.104,13	82.280,00
34	353.895,87	1.026,30	1.467,04	2.493,33	352.428,83	37.202,16	47.571,17	84.773,33
35	352.428,83	1.022,04	1.471,29	2.493,33	350.957,54	38.224,21	49.042,46	87.266,67
36	350.957,54	1.017,78	1.475,56	2.493,33	349.481,99	39.241,99	50.518,01	89.760,00
37	349.481,99	1.013,50	1.479,84	2.493,33	348.002,15	40.255,48	51.997,85	92.253,33
38	348.002,15	1.009,21	1.484,13	2.493,33	346.518,02	41.264,69	53.481,98	94.746,67
39	346.518,02	1.004,90	1.488,43	2.493,33	345.029,59	42.269,59	54.970,41	97.240,00
40	345.029,59	1.000,59	1.492,75	2.493,33	343.536,84	43.270,18	56.463,16	99.733,33
41	343.536,84	996,26	1.497,08	2.493,33	342.039,77	44.266,43	57.960,23	102.226,67
42	342.039,77	991,92	1.501,42	2.493,33	340.538,35	45.258,35	59.461,65	104.720,00
43	340.538,35	987,56	1.505,77	2.493,33	339.032,58	46.245,91	60.967,42	107.213,33
44	339.032,58	983,19	1.510,14	2.493,33	337.522,44	47.229,11	62.477,56	109.706,67
45	337.522,44	978,82	1.514,52	2.493,33	336.007,92	48.207,92	63.992,08	112.200,00
46	336.007,92	974,42	1.518,91	2.493,33	334.489,01	49.182,34	65.510,99	114.693,33
47	334.489,01	970,02	1.523,32	2.493,33	332.965,69	50.152,36	67.034,31	117.186,67
48	332.965,69	965,60	1.527,73	2.493,33	331.437,96	51.117,96	68.562,04	119.680,00
49	331.437,96	961,17	1.532,16	2.493,33	329.905,80	52.079,13	70.094,20	122.173,33
50	329.905,80	956,73	1.536,61	2.493,33	328.369,19	53.035,86	71.630,81	124.666,67
51	328.369,19	952,27	1.541,06	2.493,33	326.828,13	53.988,13	73.171,87	127.160,00
52	326.828,13	947,80	1.545,53	2.493,33	325.282,60	54.935,93	74.717,40	129.653,33
53	325.282,60	943,32	1.550,01	2.493,33	323.732,58	55.879,25	76.267,42	132.146,67
54	323.732,58	938,82	1.554,51	2.493,33	322.178,07	56.818,07	77.821,93	134.640,00
55	322.178,07	934,32	1.559,02	2.493,33	320.619,06	57.752,39	79.380,94	137.133,33
56	320.619,06	929,80	1.563,54	2.493,33	319.055,52	58.682,19	80.944,48	139.626,67
57	319.055,52	925,26	1.568,07	2.493,33	317.487,45	59.607,45	82.512,55	142.120,00
58	317.487,45	920,71	1.572,62	2.493,33	315.914,83	60.528,16	84.085,17	144.613,33
59	315.914,83	916,15	1.577,18	2.493,33	314.337,65	61.444,31	85.662,35	147.106,67
60	314.337,65	911,58	1.581,75	2.493,33	312.755,89	62.355,89	87.244,11	149.600,00
61	312.755,89	906,99	1.586,34	2.493,33	311.169,55	63.262,89	88.830,45	152.093,33
62	311.169,55	902,39	1.590,94	2.493,33	309.578,61	64.165,28	90.421,39	154.586,67
63	309.578,61	897,78	1.595,56	2.493,33	307.983,06	65.063,06	92.016,94	157.080,00
64	307.983,06	893,15	1.600,18	2.493,33	306.382,87	65.956,21	93.617,13	159.573,33
65	306.382,87	888,51	1.604,82	2.493,33	304.778,05	66.844,72	95.221,95	162.066,67
66	304.778,05	883,86	1.609,48	2.493,33	303.168,57	67.728,57	96.831,43	164.560,00
67	303.168,57	879,19	1.614,14	2.493,33	301.554,43	68.607,76	98.445,57	167.053,33
68	301.554,43	874,51	1.618,83	2.493,33	299.935,60	69.482,27	100.064,40	169.546,67
69	299.935,60	869,81	1.623,52	2.493,33	298.312,08	70.352,08	101.687,92	172.040,00
70	298.312,08	865,11	1.628,23	2.493,33	296.683,85	71.217,19	103.316,15	174.533,33
71	296.683,85	860,38	1.632,95	2.493,33	295.050,90	72.077,57	104.949,10	177.026,67
72	295.050,90	855,65	1.637,69	2.493,33	293.413,22	72.933,22	106.586,78	179.520,00
73	293.413,22	850,90	1.642,43	2.493,33	291.770,78	73.784,12	108.229,22	182.013,33
74	291.770,78	846,14	1.647,20	2.493,33	290.123,59	74.630,25	109.876,41	184.506,67
75	290.123,59	841,36	1.651,97	2.493,33	288.471,61	75.471,61	111.528,39	187.000,00
76	288.471,61	836,57	1.656,77	2.493,33	286.814,84	76.308,18	113.185,16	189.493,33
77	286.814,84	831,76	1.661,57	2.493,33	285.153,27	77.139,94	114.846,73	191.986,67
78	285.153,27	826,94	1.666,39	2.493,33	283.486,89	77.966,89	116.513,11	194.480,00
79	283.486,89	822,11	1.671,22	2.493,33	281.815,66	78.789,00	118.184,34	196.973,33
80	281.815,66	817,27	1.676,07	2.493,33	280.139,60	79.606,26	119.860,40	199.466,67
81	280.139,60	812,40	1.680,93	2.493,33	278.458,67	80.418,67	121.541,33	201.960,00
82	278.458,67	807,53	1.685,80	2.493,33	276.772,86	81.226,20	123.227,14	204.453,33
83	276.772,86	802,64	1.690,69	2.493,33	275.082,17	82.028,84	124.917,83	206.946,67
84	275.082,17	797,74	1.695,60	2.493,33	273.386,58	82.826,58	126.613,42	209.440,00
85	273.386,58	792,82	1.700,51	2.493,33	271.686,07	83.619,40	128.313,93	211.933,33
86	271.686,07	787,89	1.705,44	2.493,33	269.980,62	84.407,29	130.019,38	214.426,67
87	269.980,62	782,94	1.710,39	2.493,33	268.270,23	85.190,23	131.729,77	216.920,00
88	268.270,23	777,98	1.715,35	2.493,33	266.554,88	85.968,22	133.445,12	219.413,33
89	266.554,88	773,01	1.720,32	2.493,33	264.834,56	86.741,23	135.165,44	221.906,67
90	264.834,56	768,02	1.725,31	2.493,33	263.109,25	87.509,25	136.890,75	224.400,00
91	263.109,25	763,02	1.730,32	2.493,33	261.378,93	88.272,26	138.621,07	226.893,33
92	261.378,93	758,00	1.735,33	2.493,33	259.643,59	89.030,26	140.356,41	229.386,67
93	259.643,59	752,97	1.740,37	2.493,33	257.903,23	89.783,23	142.096,77	231.880,00
94	257.903,23	747,92	1.745,41	2.493,33	256.157,81	90.531,15	143.842,19	234.373,33
95	256.157,81	742,86	1.750,48	2.493,33	254.407,34	91.274,00	145.592,66	236.866,67
96	254.407,34	737,78	1.755,55	2.493,33	252.651,79	92.011,79	147.348,21	239.360,00
97	252.651,79	732,69	1.760,64	2.493,33	250.891,14	92.744,48	149.108,86	241.853,33
98	250.891,14	727,58	1.765,75	2.493,33	249.125,39	93.472,06	150.874,61	244.346,67
99	249.125,39	722,46	1.770,87	2.493,33	247.354,52	94.194,52	152.645,48	246.840,00
100	247.354,52	717,33	1.776,01	2.493,33	245.578,52	94.911,85	154.421,48	249.333,33
101	245.578,52	712,18	1.781,16	2.493,33	243.797,36	95.624,03	156.202,64	251.826,67
102	243.797,36	707,01	1.786,32	2.493,33	242.011,04	96.331,04	157.988,96	254.320,00
103	242.011,04	701,83	1.791,50	2.493,33	240.219,54	97.032,87	159.780,46	256.813,33
104	240.219,54	696,64	1.796,70	2.493,33	238.422,84	97.729,51	161.577,16	259.306,67
105	238.422,84	691,43	1.801,91	2.493,33	236.620,94	98.420,94	163.379,06	261.800,00
106	236.620,94	686,20	1.807,13	2.493,33	234.813,80	99.107,14	165.186,20	264.293,33
107	234.813,80	680,96	1.812,37	2.493,33	233.001,43	99.788,10	166.998,57	266.786,67
108	233.001,43	675,70	1.817,63	2.493,33	231.183,80	100.463,80	168.816,20	269.280,00
109	231.183,80	670,43	1.822,90	2.493,33	229.360,90	101.134,23	170.639,10	271.773,33
110	229.360,90	665,15	1.828,19	2.493,33	227.532,71	101.799,38	172.467,29	274.266,67
111	227.532,71	659,84	1.833,49	2.493,33	225.699,23	102.459,23	174.300,77	276.760,00
112	225.699,23	654,53	1.838,81	2.493,33	223.860,42	103.113,75	176.139,58	279.253,33
113	223.860,42	649,20	1.844,14	2.493,33	222.016,28	103.762,95	177.983,72	281.746,67
114	222.016,28	643,85	1.849,49	2.493,33	220.166,80	104.406,80	179.833,20	284.240,00
115	220.166,80	638,48	1.854,85	2.493,33	218.311,95	105.045,28	181.688,05	286.733,33
116	218.311,95	633,10	1.860,23	2.493,33	216.451,72	105.678,38	183.548,28	289.226,67
117	216.451,72	627,71	1.865,62	2.493,33	214.586,09	106.306,09	185.413,91	291.720,00
118	214.586,09	622,30	1.871,03	2.493,33	212.715,06	106.928,39	187.284,94	294.213,33
119	212.715,06	616,87	1.876,46	2.493,33	210.838,60	107.545,27	189.161,40	296.706,67
120	210.838,60	611,43	1.881,90	2.493,33	208.956,70	108.156,70	191.043,30	299.200,00
121	208.956,70	605,97	1.887,36	2.493,33	207.069,34	108.762,67	192.930,66	301.693,33
122	207.069,34	600,50	1.892,83	2.493,33	205.176,51	109.363,18	194.823,49	304.186,67
123	205.176,51	595,01	1.898,32	2.493,33	203.278,19	109.958,19	196.721,81	306.680,00
124	203.278,19	589,51	1.903,83	2.493,33	201.374,36	110.547,69	198.625,64	309.173,33
125	201.374,36	583,99	1.909,35	2.493,33	199.465,01	111.131,68	200.534,99	311.666,67
126	199.465,01	578,45	1.914,88	2.493,33	197.550,13	111.710,13	202.449,87	314.160,00
127	197.550,13	572,90	1.920,44	2.493,33	195.629,69	112.283,02	204.370,31	316.653,33
128	195.629,69	567,33	1.926,01	2.493,33	193.703,68	112.850,35	206.296,32	319.146,67
129	193.703,68	561,74	1.931,59	2.493,33	191.772,09	113.412,09	208.227,91	321.640,00
130	191.772,09	556,14	1.937,19	2.493,33	189.834,90	113.968,23	210.165,10	324.133,33
131	189.834,90	550,52	1.942,81	2.493,33	187.892,08	114.518,75	212.107,92	326.626,67
132	187.892,08	544,89	1.948,45	2.493,33	185.943,64	115.063,64	214.056,36	329.120,00
133	185.943,64	539,24	1.954,10	2.493,33	183.989,54	115.602,87	216.010,46	331.613,33
134	183.989,54	533,57	1.959,76	2.493,33	182.029,78	116.136,44	217.970,22	334.106,67
135	182.029,78	527,89	1.965,45	2.493,33	180.064,33	116.664,33	219.935,67	336.600,00
136	180.064,33	522,19	1.971,15	2.493,33	178.093,18	117.186,52	221.906,82	339.093,33
137	178.093,18	516,47	1.976,86	2.493,33	176.116,32	117.702,99	223.883,68	341.586,67
138	176.116,32	510,74	1.982,60	2.493,33	174.133,72	118.213,72	225.866,28	344.080,00
139	174.133,72	504,99	1.988,35	2.493,33	172.145,38	118.718,71	227.854,62	346.573,33
140	172.145,38	499,22	1.994,11	2.493,33	170.151,27	119.217,93	229.848,73	349.066,67
141	170.151,27	493,44	1.999,89	2.493,33	168.151,37	119.711,37	231.848,63	351.560,00
142	168.151,37	487,64	2.005,69	2.493,33	166.145,68	120.199,01	233.854,32	354.053,33
143	166.145,68	481,82	2.011,51	2.493,33	164.134,17	120.680,83	235.865,83	356.546,67
144	164.134,17	475,99	2.017,34	2.493,33	162.116,82	121.156,82	237.883,18	359.040,00
145	162.116,82	470,14	2.023,19	2.493,33	160.093,63	121.626,96	239.906,37	361.533,33
146	160.093,63	464,27	2.029,06	2.493,33	158.064,57	122.091,23	241.935,43	364.026,67
147	158.064,57	458,39	2.034,95	2.493,33	156.029,62	122.549,62	243.970,38	366.520,00
148	156.029,62	452,49	2.040,85	2.493,33	153.988,77	123.002,11	246.011,23	369.013,33
149	153.988,77	446,57	2.046,77	2.493,33	151.942,01	123.448,67	248.057,99	371.506,67
150	151.942,01	440,63	2.052,70	2.493,33	149.889,31	123.889,31	250.110,69	374.000,00
151	149.889,31	434,68	2.058,65	2.493,33	147.830,65	124.323,98	252.169,35	376.493,33
152	147.830,65	428,71	2.064,62	2.493,33	145.766,03	124.752,69	254.233,97	378.986,67
153	145.766,03	422,72	2.070,61	2.493,33	143.695,42	125.175,42	256.304,58	381.480,00
154	143.695,42	416,72	2.076,62	2.493,33	141.618,80	125.592,13	258.381,20	383.973,33
155	141.618,80	410,69	2.082,64	2.493,33	139.536,16	126.002,83	260.463,84	386.466,67
156	139.536,16	404,65	2.088,68	2.493,33	137.447,48	126.407,48	262.552,52	388.960,00
157	137.447,48	398,60	2.094,74	2.493,33	135.352,75	126.806,08	264.647,25	391.453,33
158	135.352,75	392,52	2.100,81	2.493,33	133.251,94	127.198,60	266.748,06	393.946,67
159	133.251,94	386,43	2.106,90	2.493,33	131.145,03	127.585,03	268.854,97	396.440,00
160	131.145,03	380,32	2.113,01	2.493,33	129.032,02	127.965,35	270.967,98	398.933,33
161	129.032,02	374,19	2.119,14	2.493,33	126.912,88	128.339,55	273.087,12	401.426,67
162	126.912,88	368,05	2.125,29	2.493,33	124.787,59	128.707,59	275.212,41	403.920,00
163	124.787,59	361,88	2.131,45	2.493,33	122.656,14	129.069,48	277.343,86	406.413,33
164	122.656,14	355,70	2.137,63	2.493,33	120.518,51	129.425,18	279.481,49	408.906,67
165	120.518,51	349,50	2.143,83	2.493,33	118.374,68	129.774,68	281.625,32	411.400,00
166	118.374,68	343,29	2.150,05	2.493,33	116.224,64	130.117,97	283.775,36	413.893,33
167	116.224,64	337,05	2.156,28	2.493,33	114.068,36	130.455,02	285.931,64	416.386,67
168	114.068,36	330,80	2.162,54	2.493,33	111.905,82	130.785,82	288.094,18	418.880,00
169	111.905,82	324,53	2.168,81	2.493,33	109.737,01	131.110,35	290.262,99	421.373,33
170	109.737,01	318,24	2.175,10	2.493,33	107.561,92	131.428,58	292.438,08	423.866,67
171	107.561,92	311,93	2.181,40	2.493,33	105.380,51	131.740,51	294.619,49	426.360,00
172	105.380,51	305,60	2.187,73	2.493,33	103.192,78	132.046,12	296.807,22	428.853,33
173	103.192,78	299,26	2.194,07	2.493,33	100.998,71	132.345,38	299.001,29	431.346,67
174	100.998,71	292,90	2.200,44	2.493,33	98.798,27	132.638,27	301.201,73	433.840,00
175	98.798,27	286,51	2.206,82	2.493,33	96.591,45	132.924,79	303.408,55	436.333,33
176	96.591,45	280,12	2.213,22	2.493,33	94.378,24	133.204,90	305.621,76	438.826,67
177	94.378,24	273,70	2.219,64	2.493,33	92.158,60	133.478,60	307.841,40	441.320,00
178	92.158,60	267,26	2.226,07	2.493,33	89.932,53	133.745,86	310.067,47	443.813,33
179	89.932,53	260,80	2.232,53	2.493,33	87.700,00	134.006,66	312.300,00	446.306,67
180	87.700,00	254,33	2.239,00	2.493,33	85.460,99	134.260,99	314.539,01	448.800,00
181	85.460,99	247,84	2.245,50	2.493,33	83.215,50	134.508,83	316.784,50	451.293,33
182	83.215,50	241,32	2.252,01	2.493,33	80.963,49	134.750,16	319.036,51	453.786,67
183	80.963,49	234,79	2.258,54	2.493,33	78.704,95	134.984,95	321.295,05	456.280,00
184	78.704,95	228,24	2.265,09	2.493,33	76.439,86	135.213,19	323.560,14	458.773,33
185	76.439,86	221,68	2.271,66	2.493,33	74.168,20	135.434,87	325.831,80	461.266,67
186	74.168,20	215,09	2.278,25	2.493,33	71.889,96	135.649,96	328.110,04	463.760,00
187	71.889,96	208,48	2.284,85	2.493,33	69.605,11	135.858,44	330.394,89	466.253,33
188	69.605,11	201,85	2.291,48	2.493,33	67.313,63	136.060,29	332.686,37	468.746,67
189	67.313,63	195,21	2.298,12	2.493,33	65.015,50	136.255,50	334.984,50	471.240,00
190	65.015,50	188,54	2.304,79	2.493,33	62.710,71	136.444,05	337.289,29	473.733,33
191	62.710,71	181,86	2.311,47	2.493,33	60.399,24	136.625,91	339.600,76	476.226,67
192	60.399,24	175,16	2.318,18	2.493,33	58.081,07	136.801,07	341.918,93	478.720,00
193	58.081,07	168,44	2.324,90	2.493,33	55.756,17	136.969,50	344.243,83	481.213,33
194	55.756,17	161,69	2.331,64	2.493,33	53.424,53	137.131,19	346.575,47	483.706,67
195	53.424,53	154,93	2.338,40	2.493,33	51.086,13	137.286,13	348.913,87	486.200,00
196	51.086,13	148,15	2.345,18	2.493,33	48.740,94	137.434,28	351.259,06	488.693,33
197	48.740,94	141,35	2.351,98	2.493,33	46.388,96	137.575,62	353.611,04	491.186,67
198	46.388,96	134,53	2.358,81	2.493,33	44.030,15	137.710,15	355.969,85	493.680,00
199	44.030,15	127,69	2.365,65	2.493,33	41.664,51	137.837,84	358.335,49	496.173,33
200	41.664,51	120,83	2.372,51	2.493,33	39.292,00	137.958,67	360.708,00	498.666,67
201	39.292,00	113,95	2.379,39	2.493,33	36.912,61	138.072,61	363.087,39	501.160,00
202	36.912,61	107,05	2.386,29	2.493,33	34.526,33	138.179,66	365.473,67	503.653,33
203	34.526,33	100,13	2.393,21	2.493,33	32.133,12	138.279,79	367.866,88	506.146,67
204	32.133,12	93,19	2.400,15	2.493,33	29.732,97	138.372,97	370.267,03	508.640,00
205	29.732,97	86,23	2.407,11	2.493,33	27.325,87	138.459,20	372.674,13	511.133,33
206	27.325,87	79,25	2.414,09	2.493,33	24.911,78	138.538,44	375.088,22	513.626,67
207	24.911,78	72,24	2.421,09	2.493,33	22.490,69	138.610,69	377.509,31	516.120,00
208	22.490,69	65,22	2.428,11	2.493,33	20.062,58	138.675,91	379.937,42	518.613,33
209	20.062,58	58,18	2.435,15	2.493,33	17.627,43	138.734,09	382.372,57	521.106,67
210	17.627,43	51,12	2.442,21	2.493,33	15.185,21	138.785,21	384.814,79	523.600,00
211	15.185,21	44,04	2.449,30	2.493,33	12.735,92	138.829,25	387.264,08	526.093,33
212	12.735,92	36,93	2.456,40	2.493,33	10.279,52	138.866,18	389.720,48	528.586,67
213	10.279,52	29,81	2.463,52	2.493,33	7.815,99	138.895,99	392.184,01	531.080,00
214	7.815,99	22,67	2.470,67	2.493,33	5.345,33	138.918,66	394.654,67	533.573,33
215	5.345,33	15,50	2.477,83	2.493,33	2.867,49	138.934,16	397.132,51	536.066,67
216	2.867,49	8,32	2.485,02	2.493,33	382,48	138.942,48	399.617,52	538.560,00
217	382,48	1,11	382,48	382,48	382,48	138.943,59	400.000,00	538.943,59

CE-Baufinanz Baufinanzierung

3.60/5,00

139.917,97€
Zinsanteil

2.503,33€
Monatsrate

3,51%
Sollzins p.a.

3,58%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 200.000,00 €;Kreditrate: 931,67 €;Gesamtbetrag: 167.700,00 €;Anzahl Kreditraten: 180;Laufzeit: 357 Monate;Effektiver Jahreszins: 3,65 %;Gebundener Sollzins: 3,59 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.170,00	1.333,33	2.503,33	398.666,67	1.170,00	1.333,33	2.503,33
2	398.666,67	1.166,10	1.337,23	2.503,33	397.329,43	2.336,10	2.670,57	5.006,67
3	397.329,43	1.162,19	1.341,14	2.503,33	395.988,29	3.498,29	4.011,71	7.510,00
4	395.988,29	1.158,27	1.345,07	2.503,33	394.643,22	4.656,55	5.356,78	10.013,33
5	394.643,22	1.154,33	1.349,00	2.503,33	393.294,22	5.810,89	6.705,78	12.516,67
6	393.294,22	1.150,39	1.352,95	2.503,33	391.941,27	6.961,27	8.058,73	15.020,00
7	391.941,27	1.146,43	1.356,91	2.503,33	390.584,37	8.107,70	9.415,63	17.523,33
8	390.584,37	1.142,46	1.360,87	2.503,33	389.223,49	9.250,16	10.776,51	20.026,67
9	389.223,49	1.138,48	1.364,85	2.503,33	387.858,64	10.388,64	12.141,36	22.530,00
10	387.858,64	1.134,49	1.368,85	2.503,33	386.489,79	11.523,12	13.510,21	25.033,33
11	386.489,79	1.130,48	1.372,85	2.503,33	385.116,94	12.653,61	14.883,06	27.536,67
12	385.116,94	1.126,47	1.376,87	2.503,33	383.740,07	13.780,07	16.259,93	30.040,00
13	383.740,07	1.122,44	1.380,89	2.503,33	382.359,18	14.902,51	17.640,82	32.543,33
14	382.359,18	1.118,40	1.384,93	2.503,33	380.974,25	16.020,91	19.025,75	35.046,67
15	380.974,25	1.114,35	1.388,98	2.503,33	379.585,26	17.135,26	20.414,74	37.550,00
16	379.585,26	1.110,29	1.393,05	2.503,33	378.192,22	18.245,55	21.807,78	40.053,33
17	378.192,22	1.106,21	1.397,12	2.503,33	376.795,10	19.351,76	23.204,90	42.556,67
18	376.795,10	1.102,13	1.401,21	2.503,33	375.393,89	20.453,89	24.606,11	45.060,00
19	375.393,89	1.098,03	1.405,31	2.503,33	373.988,58	21.551,92	26.011,42	47.563,33
20	373.988,58	1.093,92	1.409,42	2.503,33	372.579,17	22.645,83	27.420,83	50.066,67
21	372.579,17	1.089,79	1.413,54	2.503,33	371.165,63	23.735,63	28.834,37	52.570,00
22	371.165,63	1.085,66	1.417,67	2.503,33	369.747,95	24.821,29	30.252,05	55.073,33
23	369.747,95	1.081,51	1.421,82	2.503,33	368.326,13	25.902,80	31.673,87	57.576,67
24	368.326,13	1.077,35	1.425,98	2.503,33	366.900,15	26.980,15	33.099,85	60.080,00
25	366.900,15	1.073,18	1.430,15	2.503,33	365.470,00	28.053,34	34.530,00	62.583,33
26	365.470,00	1.069,00	1.434,33	2.503,33	364.035,67	29.122,34	35.964,33	65.086,67
27	364.035,67	1.064,80	1.438,53	2.503,33	362.597,14	30.187,14	37.402,86	67.590,00
28	362.597,14	1.060,60	1.442,74	2.503,33	361.154,40	31.247,74	38.845,60	70.093,33
29	361.154,40	1.056,38	1.446,96	2.503,33	359.707,45	32.304,11	40.292,55	72.596,67
30	359.707,45	1.052,14	1.451,19	2.503,33	358.256,26	33.356,26	41.743,74	75.100,00
31	358.256,26	1.047,90	1.455,43	2.503,33	356.800,82	34.404,16	43.199,18	77.603,33
32	356.800,82	1.043,64	1.459,69	2.503,33	355.341,13	35.447,80	44.658,87	80.106,67
33	355.341,13	1.039,37	1.463,96	2.503,33	353.877,17	36.487,17	46.122,83	82.610,00
34	353.877,17	1.035,09	1.468,24	2.503,33	352.408,93	37.522,26	47.591,07	85.113,33
35	352.408,93	1.030,80	1.472,54	2.503,33	350.936,39	38.553,06	49.063,61	87.616,67
36	350.936,39	1.026,49	1.476,84	2.503,33	349.459,55	39.579,55	50.540,45	90.120,00
37	349.459,55	1.022,17	1.481,16	2.503,33	347.978,38	40.601,72	52.021,62	92.623,33
38	347.978,38	1.017,84	1.485,50	2.503,33	346.492,89	41.619,55	53.507,11	95.126,67
39	346.492,89	1.013,49	1.489,84	2.503,33	345.003,05	42.633,05	54.996,95	97.630,00
40	345.003,05	1.009,13	1.494,20	2.503,33	343.508,85	43.642,18	56.491,15	100.133,33
41	343.508,85	1.004,76	1.498,57	2.503,33	342.010,28	44.646,94	57.989,72	102.636,67
42	342.010,28	1.000,38	1.502,95	2.503,33	340.507,32	45.647,32	59.492,68	105.140,00
43	340.507,32	995,98	1.507,35	2.503,33	338.999,97	46.643,31	61.000,03	107.643,33
44	338.999,97	991,57	1.511,76	2.503,33	337.488,21	47.634,88	62.511,79	110.146,67
45	337.488,21	987,15	1.516,18	2.503,33	335.972,03	48.622,03	64.027,97	112.650,00
46	335.972,03	982,72	1.520,62	2.503,33	334.451,42	49.604,75	65.548,58	115.153,33
47	334.451,42	978,27	1.525,06	2.503,33	332.926,36	50.583,02	67.073,64	117.656,67
48	332.926,36	973,81	1.529,52	2.503,33	331.396,83	51.556,83	68.603,17	120.160,00
49	331.396,83	969,34	1.534,00	2.503,33	329.862,84	52.526,17	70.137,16	122.663,33
50	329.862,84	964,85	1.538,48	2.503,33	328.324,35	53.491,02	71.675,65	125.166,67
51	328.324,35	960,35	1.542,98	2.503,33	326.781,37	54.451,37	73.218,63	127.670,00
52	326.781,37	955,84	1.547,50	2.503,33	325.233,87	55.407,20	74.766,13	130.173,33
53	325.233,87	951,31	1.552,02	2.503,33	323.681,84	56.358,51	76.318,16	132.676,67
54	323.681,84	946,77	1.556,56	2.503,33	322.125,28	57.305,28	77.874,72	135.180,00
55	322.125,28	942,22	1.561,12	2.503,33	320.564,16	58.247,50	79.435,84	137.683,33
56	320.564,16	937,65	1.565,68	2.503,33	318.998,48	59.185,15	81.001,52	140.186,67
57	318.998,48	933,07	1.570,26	2.503,33	317.428,22	60.118,22	82.571,78	142.690,00
58	317.428,22	928,48	1.574,86	2.503,33	315.853,36	61.046,69	84.146,64	145.193,33
59	315.853,36	923,87	1.579,46	2.503,33	314.273,90	61.970,57	85.726,10	147.696,67
60	314.273,90	919,25	1.584,08	2.503,33	312.689,82	62.889,82	87.310,18	150.200,00
61	312.689,82	914,62	1.588,72	2.503,33	311.101,10	63.804,43	88.898,90	152.703,33
62	311.101,10	909,97	1.593,36	2.503,33	309.507,74	64.714,41	90.492,26	155.206,67
63	309.507,74	905,31	1.598,02	2.503,33	307.909,72	65.619,72	92.090,28	157.710,00
64	307.909,72	900,64	1.602,70	2.503,33	306.307,02	66.520,35	93.692,98	160.213,33
65	306.307,02	895,95	1.607,39	2.503,33	304.699,63	67.416,30	95.300,37	162.716,67
66	304.699,63	891,25	1.612,09	2.503,33	303.087,55	68.307,55	96.912,45	165.220,00
67	303.087,55	886,53	1.616,80	2.503,33	301.470,74	69.194,08	98.529,26	167.723,33
68	301.470,74	881,80	1.621,53	2.503,33	299.849,21	70.075,88	100.150,79	170.226,67
69	299.849,21	877,06	1.626,27	2.503,33	298.222,94	70.952,94	101.777,06	172.730,00
70	298.222,94	872,30	1.631,03	2.503,33	296.591,91	71.825,24	103.408,09	175.233,33
71	296.591,91	867,53	1.635,80	2.503,33	294.956,10	72.692,77	105.043,90	177.736,67
72	294.956,10	862,75	1.640,59	2.503,33	293.315,52	73.555,52	106.684,48	180.240,00
73	293.315,52	857,95	1.645,39	2.503,33	291.670,13	74.413,47	108.329,87	182.743,33
74	291.670,13	853,14	1.650,20	2.503,33	290.019,93	75.266,60	109.980,07	185.246,67
75	290.019,93	848,31	1.655,03	2.503,33	288.364,91	76.114,91	111.635,09	187.750,00
76	288.364,91	843,47	1.659,87	2.503,33	286.705,04	76.958,38	113.294,96	190.253,33
77	286.705,04	838,61	1.664,72	2.503,33	285.040,32	77.796,99	114.959,68	192.756,67
78	285.040,32	833,74	1.669,59	2.503,33	283.370,73	78.630,73	116.629,27	195.260,00
79	283.370,73	828,86	1.674,47	2.503,33	281.696,26	79.459,59	118.303,74	197.763,33
80	281.696,26	823,96	1.679,37	2.503,33	280.016,89	80.283,55	119.983,11	200.266,67
81	280.016,89	819,05	1.684,28	2.503,33	278.332,60	81.102,60	121.667,40	202.770,00
82	278.332,60	814,12	1.689,21	2.503,33	276.643,39	81.916,72	123.356,61	205.273,33
83	276.643,39	809,18	1.694,15	2.503,33	274.949,24	82.725,91	125.050,76	207.776,67
84	274.949,24	804,23	1.699,11	2.503,33	273.250,13	83.530,13	126.749,87	210.280,00
85	273.250,13	799,26	1.704,08	2.503,33	271.546,06	84.329,39	128.453,94	212.783,33
86	271.546,06	794,27	1.709,06	2.503,33	269.837,00	85.123,66	130.163,00	215.286,67
87	269.837,00	789,27	1.714,06	2.503,33	268.122,94	85.912,94	131.877,06	217.790,00
88	268.122,94	784,26	1.719,07	2.503,33	266.403,86	86.697,19	133.596,14	220.293,33
89	266.403,86	779,23	1.724,10	2.503,33	264.679,76	87.476,43	135.320,24	222.796,67
90	264.679,76	774,19	1.729,15	2.503,33	262.950,61	88.250,61	137.049,39	225.300,00
91	262.950,61	769,13	1.734,20	2.503,33	261.216,41	89.019,75	138.783,59	227.803,33
92	261.216,41	764,06	1.739,28	2.503,33	259.477,14	89.783,80	140.522,86	230.306,67
93	259.477,14	758,97	1.744,36	2.503,33	257.732,77	90.542,77	142.267,23	232.810,00
94	257.732,77	753,87	1.749,46	2.503,33	255.983,31	91.296,64	144.016,69	235.313,33
95	255.983,31	748,75	1.754,58	2.503,33	254.228,73	92.045,39	145.771,27	237.816,67
96	254.228,73	743,62	1.759,71	2.503,33	252.469,01	92.789,01	147.530,99	240.320,00
97	252.469,01	738,47	1.764,86	2.503,33	250.704,15	93.527,48	149.295,85	242.823,33
98	250.704,15	733,31	1.770,02	2.503,33	248.934,13	94.260,79	151.065,87	245.326,67
99	248.934,13	728,13	1.775,20	2.503,33	247.158,93	94.988,93	152.841,07	247.830,00
100	247.158,93	722,94	1.780,39	2.503,33	245.378,53	95.711,87	154.621,47	250.333,33
101	245.378,53	717,73	1.785,60	2.503,33	243.592,93	96.429,60	156.407,07	252.836,67
102	243.592,93	712,51	1.790,82	2.503,33	241.802,11	97.142,11	158.197,89	255.340,00
103	241.802,11	707,27	1.796,06	2.503,33	240.006,05	97.849,38	159.993,95	257.843,33
104	240.006,05	702,02	1.801,32	2.503,33	238.204,73	98.551,40	161.795,27	260.346,67
105	238.204,73	696,75	1.806,58	2.503,33	236.398,15	99.248,15	163.601,85	262.850,00
106	236.398,15	691,46	1.811,87	2.503,33	234.586,28	99.939,61	165.413,72	265.353,33
107	234.586,28	686,16	1.817,17	2.503,33	232.769,11	100.625,77	167.230,89	267.856,67
108	232.769,11	680,85	1.822,48	2.503,33	230.946,62	101.306,62	169.053,38	270.360,00
109	230.946,62	675,52	1.827,81	2.503,33	229.118,81	101.982,14	170.881,19	272.863,33
110	229.118,81	670,17	1.833,16	2.503,33	227.285,65	102.652,32	172.714,35	275.366,67
111	227.285,65	664,81	1.838,52	2.503,33	225.447,13	103.317,13	174.552,87	277.870,00
112	225.447,13	659,43	1.843,90	2.503,33	223.603,23	103.976,56	176.396,77	280.373,33
113	223.603,23	654,04	1.849,29	2.503,33	221.753,93	104.630,60	178.246,07	282.876,67
114	221.753,93	648,63	1.854,70	2.503,33	219.899,23	105.279,23	180.100,77	285.380,00
115	219.899,23	643,21	1.860,13	2.503,33	218.039,10	105.922,43	181.960,90	287.883,33
116	218.039,10	637,76	1.865,57	2.503,33	216.173,53	106.560,20	183.826,47	290.386,67
117	216.173,53	632,31	1.871,03	2.503,33	214.302,51	107.192,51	185.697,49	292.890,00
118	214.302,51	626,83	1.876,50	2.503,33	212.426,01	107.819,34	187.573,99	295.393,33
119	212.426,01	621,35	1.881,99	2.503,33	210.544,02	108.440,69	189.455,98	297.896,67
120	210.544,02	615,84	1.887,49	2.503,33	208.656,53	109.056,53	191.343,47	300.400,00
121	208.656,53	610,32	1.893,01	2.503,33	206.763,52	109.666,85	193.236,48	302.903,33
122	206.763,52	604,78	1.898,55	2.503,33	204.864,96	110.271,63	195.135,04	305.406,67
123	204.864,96	599,23	1.904,10	2.503,33	202.960,86	110.870,86	197.039,14	307.910,00
124	202.960,86	593,66	1.909,67	2.503,33	201.051,19	111.464,52	198.948,81	310.413,33
125	201.051,19	588,07	1.915,26	2.503,33	199.135,93	112.052,60	200.864,07	312.916,67
126	199.135,93	582,47	1.920,86	2.503,33	197.215,07	112.635,07	202.784,93	315.420,00
127	197.215,07	576,85	1.926,48	2.503,33	195.288,59	113.211,92	204.711,41	317.923,33
128	195.288,59	571,22	1.932,11	2.503,33	193.356,48	113.783,14	206.643,52	320.426,67
129	193.356,48	565,57	1.937,77	2.503,33	191.418,71	114.348,71	208.581,29	322.930,00
130	191.418,71	559,90	1.943,43	2.503,33	189.475,28	114.908,61	210.524,72	325.433,33
131	189.475,28	554,22	1.949,12	2.503,33	187.526,16	115.462,83	212.473,84	327.936,67
132	187.526,16	548,51	1.954,82	2.503,33	185.571,34	116.011,34	214.428,66	330.440,00
133	185.571,34	542,80	1.960,54	2.503,33	183.610,80	116.554,14	216.389,20	332.943,33
134	183.610,80	537,06	1.966,27	2.503,33	181.644,53	117.091,20	218.355,47	335.446,67
135	181.644,53	531,31	1.972,02	2.503,33	179.672,51	117.622,51	220.327,49	337.950,00
136	179.672,51	525,54	1.977,79	2.503,33	177.694,72	118.148,05	222.305,28	340.453,33
137	177.694,72	519,76	1.983,58	2.503,33	175.711,14	118.667,81	224.288,86	342.956,67
138	175.711,14	513,96	1.989,38	2.503,33	173.721,76	119.181,76	226.278,24	345.460,00
139	173.721,76	508,14	1.995,20	2.503,33	171.726,56	119.689,90	228.273,44	347.963,33
140	171.726,56	502,30	2.001,03	2.503,33	169.725,53	120.192,20	230.274,47	350.466,67
141	169.725,53	496,45	2.006,89	2.503,33	167.718,65	120.688,65	232.281,35	352.970,00
142	167.718,65	490,58	2.012,76	2.503,33	165.705,89	121.179,22	234.294,11	355.473,33
143	165.705,89	484,69	2.018,64	2.503,33	163.687,25	121.663,91	236.312,75	357.976,67
144	163.687,25	478,79	2.024,55	2.503,33	161.662,70	122.142,70	238.337,30	360.480,00
145	161.662,70	472,86	2.030,47	2.503,33	159.632,23	122.615,56	240.367,77	362.983,33
146	159.632,23	466,92	2.036,41	2.503,33	157.595,82	123.082,48	242.404,18	365.486,67
147	157.595,82	460,97	2.042,37	2.503,33	155.553,45	123.543,45	244.446,55	367.990,00
148	155.553,45	454,99	2.048,34	2.503,33	153.505,11	123.998,45	246.494,89	370.493,33
149	153.505,11	449,00	2.054,33	2.503,33	151.450,78	124.447,45	248.549,22	372.996,67
150	151.450,78	442,99	2.060,34	2.503,33	149.390,44	124.890,44	250.609,56	375.500,00
151	149.390,44	436,97	2.066,37	2.503,33	147.324,08	125.327,41	252.675,92	378.003,33
152	147.324,08	430,92	2.072,41	2.503,33	145.251,67	125.758,33	254.748,33	380.506,67
153	145.251,67	424,86	2.078,47	2.503,33	143.173,19	126.183,19	256.826,81	383.010,00
154	143.173,19	418,78	2.084,55	2.503,33	141.088,64	126.601,97	258.911,36	385.513,33
155	141.088,64	412,68	2.090,65	2.503,33	138.997,99	127.014,66	261.002,01	388.016,67
156	138.997,99	406,57	2.096,76	2.503,33	136.901,23	127.421,23	263.098,77	390.520,00
157	136.901,23	400,44	2.102,90	2.503,33	134.798,33	127.821,66	265.201,67	393.023,33
158	134.798,33	394,29	2.109,05	2.503,33	132.689,28	128.215,95	267.310,72	395.526,67
159	132.689,28	388,12	2.115,22	2.503,33	130.574,07	128.604,07	269.425,93	398.030,00
160	130.574,07	381,93	2.121,40	2.503,33	128.452,66	128.985,99	271.547,34	400.533,33
161	128.452,66	375,72	2.127,61	2.503,33	126.325,05	129.361,72	273.674,95	403.036,67
162	126.325,05	369,50	2.133,83	2.503,33	124.191,22	129.731,22	275.808,78	405.540,00
163	124.191,22	363,26	2.140,07	2.503,33	122.051,15	130.094,48	277.948,85	408.043,33
164	122.051,15	357,00	2.146,33	2.503,33	119.904,81	130.451,48	280.095,19	410.546,67
165	119.904,81	350,72	2.152,61	2.503,33	117.752,20	130.802,20	282.247,80	413.050,00
166	117.752,20	344,43	2.158,91	2.503,33	115.593,29	131.146,63	284.406,71	415.553,33
167	115.593,29	338,11	2.165,22	2.503,33	113.428,07	131.484,74	286.571,93	418.056,67
168	113.428,07	331,78	2.171,56	2.503,33	111.256,51	131.816,51	288.743,49	420.560,00
169	111.256,51	325,43	2.177,91	2.503,33	109.078,60	132.141,94	290.921,40	423.063,33
170	109.078,60	319,05	2.184,28	2.503,33	106.894,33	132.460,99	293.105,67	425.566,67
171	106.894,33	312,67	2.190,67	2.503,33	104.703,66	132.773,66	295.296,34	428.070,00
172	104.703,66	306,26	2.197,08	2.503,33	102.506,58	133.079,92	297.493,42	430.573,33
173	102.506,58	299,83	2.203,50	2.503,33	100.303,08	133.379,75	299.696,92	433.076,67
174	100.303,08	293,39	2.209,95	2.503,33	98.093,14	133.673,14	301.906,86	435.580,00
175	98.093,14	286,92	2.216,41	2.503,33	95.876,72	133.960,06	304.123,28	438.083,33
176	95.876,72	280,44	2.222,89	2.503,33	93.653,83	134.240,50	306.346,17	440.586,67
177	93.653,83	273,94	2.229,40	2.503,33	91.424,43	134.514,43	308.575,57	443.090,00
178	91.424,43	267,42	2.235,92	2.503,33	89.188,52	134.781,85	310.811,48	445.593,33
179	89.188,52	260,88	2.242,46	2.503,33	86.946,06	135.042,73	313.053,94	448.096,67
180	86.946,06	254,32	2.249,02	2.503,33	84.697,04	135.297,04	315.302,96	450.600,00
181	84.697,04	247,74	2.255,59	2.503,33	82.441,45	135.544,78	317.558,55	453.103,33
182	82.441,45	241,14	2.262,19	2.503,33	80.179,26	135.785,92	319.820,74	455.606,67
183	80.179,26	234,52	2.268,81	2.503,33	77.910,45	136.020,45	322.089,55	458.110,00
184	77.910,45	227,89	2.275,45	2.503,33	75.635,00	136.248,34	324.365,00	460.613,33
185	75.635,00	221,23	2.282,10	2.503,33	73.352,90	136.469,57	326.647,10	463.116,67
186	73.352,90	214,56	2.288,78	2.503,33	71.064,13	136.684,13	328.935,87	465.620,00
187	71.064,13	207,86	2.295,47	2.503,33	68.768,66	136.891,99	331.231,34	468.123,33
188	68.768,66	201,15	2.302,19	2.503,33	66.466,47	137.093,14	333.533,53	470.626,67
189	66.466,47	194,41	2.308,92	2.503,33	64.157,55	137.287,55	335.842,45	473.130,00
190	64.157,55	187,66	2.315,67	2.503,33	61.841,88	137.475,21	338.158,12	475.633,33
191	61.841,88	180,89	2.322,45	2.503,33	59.519,43	137.656,10	340.480,57	478.136,67
192	59.519,43	174,09	2.329,24	2.503,33	57.190,19	137.830,19	342.809,81	480.640,00
193	57.190,19	167,28	2.336,05	2.503,33	54.854,14	137.997,48	345.145,86	483.143,33
194	54.854,14	160,45	2.342,88	2.503,33	52.511,26	138.157,92	347.488,74	485.646,67
195	52.511,26	153,60	2.349,74	2.503,33	50.161,52	138.311,52	349.838,48	488.150,00
196	50.161,52	146,72	2.356,61	2.503,33	47.804,91	138.458,24	352.195,09	490.653,33
197	47.804,91	139,83	2.363,50	2.503,33	45.441,41	138.598,07	354.558,59	493.156,67
198	45.441,41	132,92	2.370,42	2.503,33	43.070,99	138.730,99	356.929,01	495.660,00
199	43.070,99	125,98	2.377,35	2.503,33	40.693,64	138.856,97	359.306,36	498.163,33
200	40.693,64	119,03	2.384,30	2.503,33	38.309,33	138.976,00	361.690,67	500.666,67
201	38.309,33	112,05	2.391,28	2.503,33	35.918,05	139.088,05	364.081,95	503.170,00
202	35.918,05	105,06	2.398,27	2.503,33	33.519,78	139.193,11	366.480,22	505.673,33
203	33.519,78	98,05	2.405,29	2.503,33	31.114,49	139.291,16	368.885,51	508.176,67
204	31.114,49	91,01	2.412,32	2.503,33	28.702,17	139.382,17	371.297,83	510.680,00
205	28.702,17	83,95	2.419,38	2.503,33	26.282,79	139.466,12	373.717,21	513.183,33
206	26.282,79	76,88	2.426,46	2.503,33	23.856,33	139.543,00	376.143,67	515.686,67
207	23.856,33	69,78	2.433,55	2.503,33	21.422,78	139.612,78	378.577,22	518.190,00
208	21.422,78	62,66	2.440,67	2.503,33	18.982,11	139.675,44	381.017,89	520.693,33
209	18.982,11	55,52	2.447,81	2.503,33	16.534,30	139.730,96	383.465,70	523.196,67
210	16.534,30	48,36	2.454,97	2.503,33	14.079,33	139.779,33	385.920,67	525.700,00
211	14.079,33	41,18	2.462,15	2.503,33	11.617,18	139.820,51	388.382,82	528.203,33
212	11.617,18	33,98	2.469,35	2.503,33	9.147,82	139.854,49	390.852,18	530.706,67
213	9.147,82	26,76	2.476,58	2.503,33	6.671,25	139.881,25	393.328,75	533.210,00
214	6.671,25	19,51	2.483,82	2.503,33	4.187,43	139.900,76	395.812,57	535.713,33
215	4.187,43	12,25	2.491,09	2.503,33	1.696,34	139.913,01	398.303,66	538.216,67
216	1.696,34	4,96	1.696,34	1.696,34	1.696,34	139.917,97	400.000,00	539.917,97

Interhyp Baufinanzierung

3.81/5,00

144.746,54€
Zinsanteil

2.553,33€
Monatsrate

3,66%
Sollzins p.a.

3,72%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 200.000,00 €;Kreditrate: 950,00 €;Gesamtbetrag: 114.000,00 €;Anzahl Kreditraten: 120;Laufzeit: 120 Monate;Effektiver Jahreszins: 3,76 %;Gebundener Sollzins: 3,70 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.220,00	1.333,33	2.553,33	398.666,67	1.220,00	1.333,33	2.553,33
2	398.666,67	1.215,93	1.337,40	2.553,33	397.329,27	2.435,93	2.670,73	5.106,67
3	397.329,27	1.211,85	1.341,48	2.553,33	395.987,79	3.647,79	4.012,21	7.660,00
4	395.987,79	1.207,76	1.345,57	2.553,33	394.642,22	4.855,55	5.357,78	10.213,33
5	394.642,22	1.203,66	1.349,67	2.553,33	393.292,54	6.059,21	6.707,46	12.766,67
6	393.292,54	1.199,54	1.353,79	2.553,33	391.938,75	7.258,75	8.061,25	15.320,00
7	391.938,75	1.195,41	1.357,92	2.553,33	390.580,83	8.454,16	9.419,17	17.873,33
8	390.580,83	1.191,27	1.362,06	2.553,33	389.218,77	9.645,44	10.781,23	20.426,67
9	389.218,77	1.187,12	1.366,22	2.553,33	387.852,55	10.832,55	12.147,45	22.980,00
10	387.852,55	1.182,95	1.370,38	2.553,33	386.482,17	12.015,50	13.517,83	25.533,33
11	386.482,17	1.178,77	1.374,56	2.553,33	385.107,61	13.194,27	14.892,39	28.086,67
12	385.107,61	1.174,58	1.378,76	2.553,33	383.728,85	14.368,85	16.271,15	30.640,00
13	383.728,85	1.170,37	1.382,96	2.553,33	382.345,89	15.539,23	17.654,11	33.193,33
14	382.345,89	1.166,15	1.387,18	2.553,33	380.958,71	16.705,38	19.041,29	35.746,67
15	380.958,71	1.161,92	1.391,41	2.553,33	379.567,30	17.867,30	20.432,70	38.300,00
16	379.567,30	1.157,68	1.395,65	2.553,33	378.171,65	19.024,98	21.828,35	40.853,33
17	378.171,65	1.153,42	1.399,91	2.553,33	376.771,74	20.178,41	23.228,26	43.406,67
18	376.771,74	1.149,15	1.404,18	2.553,33	375.367,56	21.327,56	24.632,44	45.960,00
19	375.367,56	1.144,87	1.408,46	2.553,33	373.959,10	22.472,43	26.040,90	48.513,33
20	373.959,10	1.140,58	1.412,76	2.553,33	372.546,34	23.613,01	27.453,66	51.066,67
21	372.546,34	1.136,27	1.417,07	2.553,33	371.129,27	24.749,27	28.870,73	53.620,00
22	371.129,27	1.131,94	1.421,39	2.553,33	369.707,89	25.881,22	30.292,11	56.173,33
23	369.707,89	1.127,61	1.425,72	2.553,33	368.282,16	27.008,83	31.717,84	58.726,67
24	368.282,16	1.123,26	1.430,07	2.553,33	366.852,09	28.132,09	33.147,91	61.280,00
25	366.852,09	1.118,90	1.434,43	2.553,33	365.417,65	29.250,99	34.582,35	63.833,33
26	365.417,65	1.114,52	1.438,81	2.553,33	363.978,84	30.365,51	36.021,16	66.386,67
27	363.978,84	1.110,14	1.443,20	2.553,33	362.535,65	31.475,65	37.464,35	68.940,00
28	362.535,65	1.105,73	1.447,60	2.553,33	361.088,05	32.581,38	38.911,95	71.493,33
29	361.088,05	1.101,32	1.452,01	2.553,33	359.636,03	33.682,70	40.363,97	74.046,67
30	359.636,03	1.096,89	1.456,44	2.553,33	358.179,59	34.779,59	41.820,41	76.600,00
31	358.179,59	1.092,45	1.460,89	2.553,33	356.718,70	35.872,04	43.281,30	79.153,33
32	356.718,70	1.087,99	1.465,34	2.553,33	355.253,36	36.960,03	44.746,64	81.706,67
33	355.253,36	1.083,52	1.469,81	2.553,33	353.783,55	38.043,55	46.216,45	84.260,00
34	353.783,55	1.079,04	1.474,29	2.553,33	352.309,26	39.122,59	47.690,74	86.813,33
35	352.309,26	1.074,54	1.478,79	2.553,33	350.830,47	40.197,13	49.169,53	89.366,67
36	350.830,47	1.070,03	1.483,30	2.553,33	349.347,17	41.267,17	50.652,83	91.920,00
37	349.347,17	1.065,51	1.487,82	2.553,33	347.859,34	42.332,68	52.140,66	94.473,33
38	347.859,34	1.060,97	1.492,36	2.553,33	346.366,98	43.393,65	53.633,02	97.026,67
39	346.366,98	1.056,42	1.496,91	2.553,33	344.870,07	44.450,07	55.129,93	99.580,00
40	344.870,07	1.051,85	1.501,48	2.553,33	343.368,59	45.501,92	56.631,41	102.133,33
41	343.368,59	1.047,27	1.506,06	2.553,33	341.862,53	46.549,19	58.137,47	104.686,67
42	341.862,53	1.042,68	1.510,65	2.553,33	340.351,88	47.591,88	59.648,12	107.240,00
43	340.351,88	1.038,07	1.515,26	2.553,33	338.836,62	48.629,95	61.163,38	109.793,33
44	338.836,62	1.033,45	1.519,88	2.553,33	337.316,73	49.663,40	62.683,27	112.346,67
45	337.316,73	1.028,82	1.524,52	2.553,33	335.792,22	50.692,22	64.207,78	114.900,00
46	335.792,22	1.024,17	1.529,17	2.553,33	334.263,05	51.716,38	65.736,95	117.453,33
47	334.263,05	1.019,50	1.533,83	2.553,33	332.729,22	52.735,88	67.270,78	120.006,67
48	332.729,22	1.014,82	1.538,51	2.553,33	331.190,71	53.750,71	68.809,29	122.560,00
49	331.190,71	1.010,13	1.543,20	2.553,33	329.647,51	54.760,84	70.352,49	125.113,33
50	329.647,51	1.005,42	1.547,91	2.553,33	328.099,60	55.766,27	71.900,40	127.666,67
51	328.099,60	1.000,70	1.552,63	2.553,33	326.546,97	56.766,97	73.453,03	130.220,00
52	326.546,97	995,97	1.557,37	2.553,33	324.989,60	57.762,94	75.010,40	132.773,33
53	324.989,60	991,22	1.562,12	2.553,33	323.427,49	58.754,16	76.572,51	135.326,67
54	323.427,49	986,45	1.566,88	2.553,33	321.860,61	59.740,61	78.139,39	137.880,00
55	321.860,61	981,67	1.571,66	2.553,33	320.288,95	60.722,28	79.711,05	140.433,33
56	320.288,95	976,88	1.576,45	2.553,33	318.712,50	61.699,17	81.287,50	142.986,67
57	318.712,50	972,07	1.581,26	2.553,33	317.131,24	62.671,24	82.868,76	145.540,00
58	317.131,24	967,25	1.586,08	2.553,33	315.545,16	63.638,49	84.454,84	148.093,33
59	315.545,16	962,41	1.590,92	2.553,33	313.954,24	64.600,90	86.045,76	150.646,67
60	313.954,24	957,56	1.595,77	2.553,33	312.358,46	65.558,46	87.641,54	153.200,00
61	312.358,46	952,69	1.600,64	2.553,33	310.757,82	66.511,16	89.242,18	155.753,33
62	310.757,82	947,81	1.605,52	2.553,33	309.152,30	67.458,97	90.847,70	158.306,67
63	309.152,30	942,91	1.610,42	2.553,33	307.541,88	68.401,88	92.458,12	160.860,00
64	307.541,88	938,00	1.615,33	2.553,33	305.926,55	69.339,88	94.073,45	163.413,33
65	305.926,55	933,08	1.620,26	2.553,33	304.306,29	70.272,96	95.693,71	165.966,67
66	304.306,29	928,13	1.625,20	2.553,33	302.681,09	71.201,09	97.318,91	168.520,00
67	302.681,09	923,18	1.630,16	2.553,33	301.050,94	72.124,27	98.949,06	171.073,33
68	301.050,94	918,21	1.635,13	2.553,33	299.415,81	73.042,48	100.584,19	173.626,67
69	299.415,81	913,22	1.640,12	2.553,33	297.775,70	73.955,70	102.224,30	176.180,00
70	297.775,70	908,22	1.645,12	2.553,33	296.130,58	74.863,91	103.869,42	178.733,33
71	296.130,58	903,20	1.650,14	2.553,33	294.480,44	75.767,11	105.519,56	181.286,67
72	294.480,44	898,17	1.655,17	2.553,33	292.825,27	76.665,27	107.174,73	183.840,00
73	292.825,27	893,12	1.660,22	2.553,33	291.165,06	77.558,39	108.834,94	186.393,33
74	291.165,06	888,05	1.665,28	2.553,33	289.499,78	78.446,45	110.500,22	188.946,67
75	289.499,78	882,97	1.670,36	2.553,33	287.829,42	79.329,42	112.170,58	191.500,00
76	287.829,42	877,88	1.675,45	2.553,33	286.153,97	80.207,30	113.846,03	194.053,33
77	286.153,97	872,77	1.680,56	2.553,33	284.473,40	81.080,07	115.526,60	196.606,67
78	284.473,40	867,64	1.685,69	2.553,33	282.787,71	81.947,71	117.212,29	199.160,00
79	282.787,71	862,50	1.690,83	2.553,33	281.096,88	82.810,22	118.903,12	201.713,33
80	281.096,88	857,35	1.695,99	2.553,33	279.400,89	83.667,56	120.599,11	204.266,67
81	279.400,89	852,17	1.701,16	2.553,33	277.699,73	84.519,73	122.300,27	206.820,00
82	277.699,73	846,98	1.706,35	2.553,33	275.993,38	85.366,72	124.006,62	209.373,33
83	275.993,38	841,78	1.711,55	2.553,33	274.281,83	86.208,50	125.718,17	211.926,67
84	274.281,83	836,56	1.716,77	2.553,33	272.565,06	87.045,06	127.434,94	214.480,00
85	272.565,06	831,32	1.722,01	2.553,33	270.843,05	87.876,38	129.156,95	217.033,33
86	270.843,05	826,07	1.727,26	2.553,33	269.115,79	88.702,45	130.884,21	219.586,67
87	269.115,79	820,80	1.732,53	2.553,33	267.383,26	89.523,26	132.616,74	222.140,00
88	267.383,26	815,52	1.737,81	2.553,33	265.645,44	90.338,77	134.354,56	224.693,33
89	265.645,44	810,22	1.743,11	2.553,33	263.902,33	91.148,99	136.097,67	227.246,67
90	263.902,33	804,90	1.748,43	2.553,33	262.153,89	91.953,89	137.846,11	229.800,00
91	262.153,89	799,57	1.753,76	2.553,33	260.400,13	92.753,46	139.599,87	232.353,33
92	260.400,13	794,22	1.759,11	2.553,33	258.641,02	93.547,68	141.358,98	234.906,67
93	258.641,02	788,86	1.764,48	2.553,33	256.876,54	94.336,54	143.123,46	237.460,00
94	256.876,54	783,47	1.769,86	2.553,33	255.106,68	95.120,01	144.893,32	240.013,33
95	255.106,68	778,08	1.775,26	2.553,33	253.331,42	95.898,09	146.668,58	242.566,67
96	253.331,42	772,66	1.780,67	2.553,33	251.550,75	96.670,75	148.449,25	245.120,00
97	251.550,75	767,23	1.786,10	2.553,33	249.764,65	97.437,98	150.235,35	247.673,33
98	249.764,65	761,78	1.791,55	2.553,33	247.973,09	98.199,76	152.026,91	250.226,67
99	247.973,09	756,32	1.797,02	2.553,33	246.176,08	98.956,08	153.823,92	252.780,00
100	246.176,08	750,84	1.802,50	2.553,33	244.373,58	99.706,92	155.626,42	255.333,33
101	244.373,58	745,34	1.807,99	2.553,33	242.565,59	100.452,26	157.434,41	257.886,67
102	242.565,59	739,83	1.813,51	2.553,33	240.752,08	101.192,08	159.247,92	260.440,00
103	240.752,08	734,29	1.819,04	2.553,33	238.933,04	101.926,37	161.066,96	262.993,33
104	238.933,04	728,75	1.824,59	2.553,33	237.108,45	102.655,12	162.891,55	265.546,67
105	237.108,45	723,18	1.830,15	2.553,33	235.278,30	103.378,30	164.721,70	268.100,00
106	235.278,30	717,60	1.835,73	2.553,33	233.442,57	104.095,90	166.557,43	270.653,33
107	233.442,57	712,00	1.841,33	2.553,33	231.601,23	104.807,90	168.398,77	273.206,67
108	231.601,23	706,38	1.846,95	2.553,33	229.754,28	105.514,28	170.245,72	275.760,00
109	229.754,28	700,75	1.852,58	2.553,33	227.901,70	106.215,03	172.098,30	278.313,33
110	227.901,70	695,10	1.858,23	2.553,33	226.043,47	106.910,13	173.956,53	280.866,67
111	226.043,47	689,43	1.863,90	2.553,33	224.179,57	107.599,57	175.820,43	283.420,00
112	224.179,57	683,75	1.869,59	2.553,33	222.309,98	108.283,31	177.690,02	285.973,33
113	222.309,98	678,05	1.875,29	2.553,33	220.434,69	108.961,36	179.565,31	288.526,67
114	220.434,69	672,33	1.881,01	2.553,33	218.553,69	109.633,69	181.446,31	291.080,00
115	218.553,69	666,59	1.886,74	2.553,33	216.666,94	110.300,27	183.333,06	293.633,33
116	216.666,94	660,83	1.892,50	2.553,33	214.774,44	110.961,11	185.225,56	296.186,67
117	214.774,44	655,06	1.898,27	2.553,33	212.876,17	111.616,17	187.123,83	298.740,00
118	212.876,17	649,27	1.904,06	2.553,33	210.972,11	112.265,44	189.027,89	301.293,33
119	210.972,11	643,46	1.909,87	2.553,33	209.062,24	112.908,91	190.937,76	303.846,67
120	209.062,24	637,64	1.915,69	2.553,33	207.146,55	113.546,55	192.853,45	306.400,00
121	207.146,55	631,80	1.921,54	2.553,33	205.225,01	114.178,34	194.774,99	308.953,33
122	205.225,01	625,94	1.927,40	2.553,33	203.297,61	114.804,28	196.702,39	311.506,67
123	203.297,61	620,06	1.933,28	2.553,33	201.364,34	115.424,34	198.635,66	314.060,00
124	201.364,34	614,16	1.939,17	2.553,33	199.425,17	116.038,50	200.574,83	316.613,33
125	199.425,17	608,25	1.945,09	2.553,33	197.480,08	116.646,75	202.519,92	319.166,67
126	197.480,08	602,31	1.951,02	2.553,33	195.529,06	117.249,06	204.470,94	321.720,00
127	195.529,06	596,36	1.956,97	2.553,33	193.572,09	117.845,42	206.427,91	324.273,33
128	193.572,09	590,39	1.962,94	2.553,33	191.609,15	118.435,82	208.390,85	326.826,67
129	191.609,15	584,41	1.968,93	2.553,33	189.640,23	119.020,23	210.359,77	329.380,00
130	189.640,23	578,40	1.974,93	2.553,33	187.665,30	119.598,63	212.334,70	331.933,33
131	187.665,30	572,38	1.980,95	2.553,33	185.684,34	120.171,01	214.315,66	334.486,67
132	185.684,34	566,34	1.987,00	2.553,33	183.697,35	120.737,35	216.302,65	337.040,00
133	183.697,35	560,28	1.993,06	2.553,33	181.704,29	121.297,62	218.295,71	339.593,33
134	181.704,29	554,20	1.999,14	2.553,33	179.705,15	121.851,82	220.294,85	342.146,67
135	179.705,15	548,10	2.005,23	2.553,33	177.699,92	122.399,92	222.300,08	344.700,00
136	177.699,92	541,98	2.011,35	2.553,33	175.688,57	122.941,91	224.311,43	347.253,33
137	175.688,57	535,85	2.017,48	2.553,33	173.671,09	123.477,76	226.328,91	349.806,67
138	173.671,09	529,70	2.023,64	2.553,33	171.647,45	124.007,45	228.352,55	352.360,00
139	171.647,45	523,52	2.029,81	2.553,33	169.617,65	124.530,98	230.382,35	354.913,33
140	169.617,65	517,33	2.036,00	2.553,33	167.581,65	125.048,31	232.418,35	357.466,67
141	167.581,65	511,12	2.042,21	2.553,33	165.539,44	125.559,44	234.460,56	360.020,00
142	165.539,44	504,90	2.048,44	2.553,33	163.491,00	126.064,33	236.509,00	362.573,33
143	163.491,00	498,65	2.054,69	2.553,33	161.436,31	126.562,98	238.563,69	365.126,67
144	161.436,31	492,38	2.060,95	2.553,33	159.375,36	127.055,36	240.624,64	367.680,00
145	159.375,36	486,09	2.067,24	2.553,33	157.308,12	127.541,46	242.691,88	370.233,33
146	157.308,12	479,79	2.073,54	2.553,33	155.234,58	128.021,24	244.765,42	372.786,67
147	155.234,58	473,47	2.079,87	2.553,33	153.154,71	128.494,71	246.845,29	375.340,00
148	153.154,71	467,12	2.086,21	2.553,33	151.068,50	128.961,83	248.931,50	377.893,33
149	151.068,50	460,76	2.092,57	2.553,33	148.975,92	129.422,59	251.024,08	380.446,67
150	148.975,92	454,38	2.098,96	2.553,33	146.876,97	129.876,97	253.123,03	383.000,00
151	146.876,97	447,97	2.105,36	2.553,33	144.771,61	130.324,94	255.228,39	385.553,33
152	144.771,61	441,55	2.111,78	2.553,33	142.659,83	130.766,50	257.340,17	388.106,67
153	142.659,83	435,11	2.118,22	2.553,33	140.541,61	131.201,61	259.458,39	390.660,00
154	140.541,61	428,65	2.124,68	2.553,33	138.416,93	131.630,26	261.583,07	393.213,33
155	138.416,93	422,17	2.131,16	2.553,33	136.285,77	132.052,43	263.714,23	395.766,67
156	136.285,77	415,67	2.137,66	2.553,33	134.148,10	132.468,10	265.851,90	398.320,00
157	134.148,10	409,15	2.144,18	2.553,33	132.003,92	132.877,26	267.996,08	400.873,33
158	132.003,92	402,61	2.150,72	2.553,33	129.853,20	133.279,87	270.146,80	403.426,67
159	129.853,20	396,05	2.157,28	2.553,33	127.695,92	133.675,92	272.304,08	405.980,00
160	127.695,92	389,47	2.163,86	2.553,33	125.532,06	134.065,39	274.467,94	408.533,33
161	125.532,06	382,87	2.170,46	2.553,33	123.361,60	134.448,26	276.638,40	411.086,67
162	123.361,60	376,25	2.177,08	2.553,33	121.184,52	134.824,52	278.815,48	413.640,00
163	121.184,52	369,61	2.183,72	2.553,33	119.000,80	135.194,13	280.999,20	416.193,33
164	119.000,80	362,95	2.190,38	2.553,33	116.810,42	135.557,08	283.189,58	418.746,67
165	116.810,42	356,27	2.197,06	2.553,33	114.613,35	135.913,35	285.386,65	421.300,00
166	114.613,35	349,57	2.203,76	2.553,33	112.409,59	136.262,93	287.590,41	423.853,33
167	112.409,59	342,85	2.210,48	2.553,33	110.199,11	136.605,77	289.800,89	426.406,67
168	110.199,11	336,11	2.217,23	2.553,33	107.981,88	136.941,88	292.018,12	428.960,00
169	107.981,88	329,34	2.223,99	2.553,33	105.757,89	137.271,23	294.242,11	431.513,33
170	105.757,89	322,56	2.230,77	2.553,33	103.527,12	137.593,79	296.472,88	434.066,67
171	103.527,12	315,76	2.237,58	2.553,33	101.289,55	137.909,55	298.710,45	436.620,00
172	101.289,55	308,93	2.244,40	2.553,33	99.045,15	138.218,48	300.954,85	439.173,33
173	99.045,15	302,09	2.251,25	2.553,33	96.793,90	138.520,57	303.206,10	441.726,67
174	96.793,90	295,22	2.258,11	2.553,33	94.535,79	138.815,79	305.464,21	444.280,00
175	94.535,79	288,33	2.265,00	2.553,33	92.270,79	139.104,12	307.729,21	446.833,33
176	92.270,79	281,43	2.271,91	2.553,33	89.998,88	139.385,55	310.001,12	449.386,67
177	89.998,88	274,50	2.278,84	2.553,33	87.720,04	139.660,04	312.279,96	451.940,00
178	87.720,04	267,55	2.285,79	2.553,33	85.434,26	139.927,59	314.565,74	454.493,33
179	85.434,26	260,57	2.292,76	2.553,33	83.141,50	140.188,17	316.858,50	457.046,67
180	83.141,50	253,58	2.299,75	2.553,33	80.841,75	140.441,75	319.158,25	459.600,00
181	80.841,75	246,57	2.306,77	2.553,33	78.534,98	140.688,31	321.465,02	462.153,33
182	78.534,98	239,53	2.313,80	2.553,33	76.221,18	140.927,85	323.778,82	464.706,67
183	76.221,18	232,47	2.320,86	2.553,33	73.900,32	141.160,32	326.099,68	467.260,00
184	73.900,32	225,40	2.327,94	2.553,33	71.572,38	141.385,72	328.427,62	469.813,33
185	71.572,38	218,30	2.335,04	2.553,33	69.237,35	141.604,01	330.762,65	472.366,67
186	69.237,35	211,17	2.342,16	2.553,33	66.895,19	141.815,19	333.104,81	474.920,00
187	66.895,19	204,03	2.349,30	2.553,33	64.545,88	142.019,22	335.454,12	477.473,33
188	64.545,88	196,86	2.356,47	2.553,33	62.189,41	142.216,08	337.810,59	480.026,67
189	62.189,41	189,68	2.363,66	2.553,33	59.825,76	142.405,76	340.174,24	482.580,00
190	59.825,76	182,47	2.370,86	2.553,33	57.454,89	142.588,23	342.545,11	485.133,33
191	57.454,89	175,24	2.378,10	2.553,33	55.076,80	142.763,47	344.923,20	487.686,67
192	55.076,80	167,98	2.385,35	2.553,33	52.691,45	142.931,45	347.308,55	490.240,00
193	52.691,45	160,71	2.392,62	2.553,33	50.298,82	143.092,16	349.701,18	492.793,33
194	50.298,82	153,41	2.399,92	2.553,33	47.898,90	143.245,57	352.101,10	495.346,67
195	47.898,90	146,09	2.407,24	2.553,33	45.491,66	143.391,66	354.508,34	497.900,00
196	45.491,66	138,75	2.414,58	2.553,33	43.077,08	143.530,41	356.922,92	500.453,33
197	43.077,08	131,39	2.421,95	2.553,33	40.655,13	143.661,80	359.344,87	503.006,67
198	40.655,13	124,00	2.429,34	2.553,33	38.225,79	143.785,79	361.774,21	505.560,00
199	38.225,79	116,59	2.436,74	2.553,33	35.789,05	143.902,38	364.210,95	508.113,33
200	35.789,05	109,16	2.444,18	2.553,33	33.344,87	144.011,54	366.655,13	510.666,67
201	33.344,87	101,70	2.451,63	2.553,33	30.893,24	144.113,24	369.106,76	513.220,00
202	30.893,24	94,22	2.459,11	2.553,33	28.434,13	144.207,47	371.565,87	515.773,33
203	28.434,13	86,72	2.466,61	2.553,33	25.967,52	144.294,19	374.032,48	518.326,67
204	25.967,52	79,20	2.474,13	2.553,33	23.493,39	144.373,39	376.506,61	520.880,00
205	23.493,39	71,65	2.481,68	2.553,33	21.011,71	144.445,05	378.988,29	523.433,33
206	21.011,71	64,09	2.489,25	2.553,33	18.522,46	144.509,13	381.477,54	525.986,67
207	18.522,46	56,49	2.496,84	2.553,33	16.025,62	144.565,62	383.974,38	528.540,00
208	16.025,62	48,88	2.504,46	2.553,33	13.521,17	144.614,50	386.478,83	531.093,33
209	13.521,17	41,24	2.512,09	2.553,33	11.009,08	144.655,74	388.990,92	533.646,67
210	11.009,08	33,58	2.519,76	2.553,33	8.489,32	144.689,32	391.510,68	536.200,00
211	8.489,32	25,89	2.527,44	2.553,33	5.961,88	144.715,21	394.038,12	538.753,33
212	5.961,88	18,18	2.535,15	2.553,33	3.426,73	144.733,40	396.573,27	541.306,67
213	3.426,73	10,45	2.542,88	2.553,33	883,85	144.743,85	399.116,15	543.860,00
214	883,85	2,70	883,85	883,85	883,85	144.746,54	400.000,00	544.746,54

comdirect Baufinanzierung

3.87/5,00

145.065,73€
Zinsanteil

2.556,67€
Monatsrate

3,67%
Sollzins p.a.

3,75%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 140.000,00 €;Kreditrate: 522,67 €;Gesamtbetrag: 94.080,60 €;Anzahl Kreditraten: 180;Laufzeit: 180 Monate;Effektiver Jahreszins: 4,16 %;Gebundener Sollzins: 4,10 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.223,33	1.333,33	2.556,67	398.666,67	1.223,33	1.333,33	2.556,67
2	398.666,67	1.219,26	1.337,41	2.556,67	397.329,26	2.442,59	2.670,74	5.113,33
3	397.329,26	1.215,17	1.341,50	2.556,67	395.987,75	3.657,75	4.012,25	7.670,00
4	395.987,75	1.211,06	1.345,60	2.556,67	394.642,15	4.868,82	5.357,85	10.226,67
5	394.642,15	1.206,95	1.349,72	2.556,67	393.292,43	6.075,76	6.707,57	12.783,33
6	393.292,43	1.202,82	1.353,85	2.556,67	391.938,58	7.278,58	8.061,42	15.340,00
7	391.938,58	1.198,68	1.357,99	2.556,67	390.580,60	8.477,26	9.419,40	17.896,67
8	390.580,60	1.194,53	1.362,14	2.556,67	389.218,45	9.671,79	10.781,55	20.453,33
9	389.218,45	1.190,36	1.366,31	2.556,67	387.852,15	10.862,15	12.147,85	23.010,00
10	387.852,15	1.186,18	1.370,49	2.556,67	386.481,66	12.048,33	13.518,34	25.566,67
11	386.481,66	1.181,99	1.374,68	2.556,67	385.106,99	13.230,32	14.893,01	28.123,33
12	385.106,99	1.177,79	1.378,88	2.556,67	383.728,10	14.408,10	16.271,90	30.680,00
13	383.728,10	1.173,57	1.383,10	2.556,67	382.345,01	15.581,67	17.654,99	33.236,67
14	382.345,01	1.169,34	1.387,33	2.556,67	380.957,68	16.751,01	19.042,32	35.793,33
15	380.957,68	1.165,10	1.391,57	2.556,67	379.566,11	17.916,11	20.433,89	38.350,00
16	379.566,11	1.160,84	1.395,83	2.556,67	378.170,28	19.076,95	21.829,72	40.906,67
17	378.170,28	1.156,57	1.400,10	2.556,67	376.770,18	20.233,52	23.229,82	43.463,33
18	376.770,18	1.152,29	1.404,38	2.556,67	375.365,81	21.385,81	24.634,19	46.020,00
19	375.365,81	1.147,99	1.408,67	2.556,67	373.957,13	22.533,80	26.042,87	48.576,67
20	373.957,13	1.143,69	1.412,98	2.556,67	372.544,15	23.677,49	27.455,85	51.133,33
21	372.544,15	1.139,36	1.417,30	2.556,67	371.126,85	24.816,85	28.873,15	53.690,00
22	371.126,85	1.135,03	1.421,64	2.556,67	369.705,21	25.951,88	30.294,79	56.246,67
23	369.705,21	1.130,68	1.425,98	2.556,67	368.279,23	27.082,56	31.720,77	58.803,33
24	368.279,23	1.126,32	1.430,35	2.556,67	366.848,88	28.208,88	33.151,12	61.360,00
25	366.848,88	1.121,95	1.434,72	2.556,67	365.414,16	29.330,83	34.585,84	63.916,67
26	365.414,16	1.117,56	1.439,11	2.556,67	363.975,05	30.448,39	36.024,95	66.473,33
27	363.975,05	1.113,16	1.443,51	2.556,67	362.531,54	31.561,54	37.468,46	69.030,00
28	362.531,54	1.108,74	1.447,92	2.556,67	361.083,62	32.670,29	38.916,38	71.586,67
29	361.083,62	1.104,31	1.452,35	2.556,67	359.631,27	33.774,60	40.368,73	74.143,33
30	359.631,27	1.099,87	1.456,79	2.556,67	358.174,47	34.874,47	41.825,53	76.700,00
31	358.174,47	1.095,42	1.461,25	2.556,67	356.713,22	35.969,89	43.286,78	79.256,67
32	356.713,22	1.090,95	1.465,72	2.556,67	355.247,50	37.060,84	44.752,50	81.813,33
33	355.247,50	1.086,47	1.470,20	2.556,67	353.777,30	38.147,30	46.222,70	84.370,00
34	353.777,30	1.081,97	1.474,70	2.556,67	352.302,60	39.229,27	47.697,40	86.926,67
35	352.302,60	1.077,46	1.479,21	2.556,67	350.823,40	40.306,73	49.176,60	89.483,33
36	350.823,40	1.072,93	1.483,73	2.556,67	349.339,66	41.379,66	50.660,34	92.040,00
37	349.339,66	1.068,40	1.488,27	2.556,67	347.851,39	42.448,06	52.148,61	94.596,67
38	347.851,39	1.063,85	1.492,82	2.556,67	346.358,57	43.511,91	53.641,43	97.153,33
39	346.358,57	1.059,28	1.497,39	2.556,67	344.861,19	44.571,19	55.138,81	99.710,00
40	344.861,19	1.054,70	1.501,97	2.556,67	343.359,22	45.625,89	56.640,78	102.266,67
41	343.359,22	1.050,11	1.506,56	2.556,67	341.852,66	46.675,99	58.147,34	104.823,33
42	341.852,66	1.045,50	1.511,17	2.556,67	340.341,49	47.721,49	59.658,51	107.380,00
43	340.341,49	1.040,88	1.515,79	2.556,67	338.825,70	48.762,37	61.174,30	109.936,67
44	338.825,70	1.036,24	1.520,42	2.556,67	337.305,28	49.798,61	62.694,72	112.493,33
45	337.305,28	1.031,59	1.525,07	2.556,67	335.780,21	50.830,21	64.219,79	115.050,00
46	335.780,21	1.026,93	1.529,74	2.556,67	334.250,47	51.857,13	65.749,53	117.606,67
47	334.250,47	1.022,25	1.534,42	2.556,67	332.716,05	52.879,38	67.283,95	120.163,33
48	332.716,05	1.017,56	1.539,11	2.556,67	331.176,94	53.896,94	68.823,06	122.720,00
49	331.176,94	1.012,85	1.543,82	2.556,67	329.633,12	54.909,79	70.366,88	125.276,67
50	329.633,12	1.008,13	1.548,54	2.556,67	328.084,58	55.917,92	71.915,42	127.833,33
51	328.084,58	1.003,39	1.553,27	2.556,67	326.531,31	56.921,31	73.468,69	130.390,00
52	326.531,31	998,64	1.558,03	2.556,67	324.973,28	57.919,95	75.026,72	132.946,67
53	324.973,28	993,88	1.562,79	2.556,67	323.410,49	58.913,83	76.589,51	135.503,33
54	323.410,49	989,10	1.567,57	2.556,67	321.842,92	59.902,92	78.157,08	138.060,00
55	321.842,92	984,30	1.572,36	2.556,67	320.270,56	60.887,23	79.729,44	140.616,67
56	320.270,56	979,49	1.577,17	2.556,67	318.693,39	61.866,72	81.306,61	143.173,33
57	318.693,39	974,67	1.582,00	2.556,67	317.111,39	62.841,39	82.888,61	145.730,00
58	317.111,39	969,83	1.586,83	2.556,67	315.524,56	63.811,22	84.475,44	148.286,67
59	315.524,56	964,98	1.591,69	2.556,67	313.932,87	64.776,20	86.067,13	150.843,33
60	313.932,87	960,11	1.596,56	2.556,67	312.336,31	65.736,31	87.663,69	153.400,00
61	312.336,31	955,23	1.601,44	2.556,67	310.734,88	66.691,54	89.265,12	155.956,67
62	310.734,88	950,33	1.606,34	2.556,67	309.128,54	67.641,87	90.871,46	158.513,33
63	309.128,54	945,42	1.611,25	2.556,67	307.517,29	68.587,29	92.482,71	161.070,00
64	307.517,29	940,49	1.616,18	2.556,67	305.901,12	69.527,78	94.098,88	163.626,67
65	305.901,12	935,55	1.621,12	2.556,67	304.280,00	70.463,33	95.720,00	166.183,33
66	304.280,00	930,59	1.626,08	2.556,67	302.653,92	71.393,92	97.346,08	168.740,00
67	302.653,92	925,62	1.631,05	2.556,67	301.022,87	72.319,54	98.977,13	171.296,67
68	301.022,87	920,63	1.636,04	2.556,67	299.386,83	73.240,16	100.613,17	173.853,33
69	299.386,83	915,62	1.641,04	2.556,67	297.745,79	74.155,79	102.254,21	176.410,00
70	297.745,79	910,61	1.646,06	2.556,67	296.099,73	75.066,40	103.900,27	178.966,67
71	296.099,73	905,57	1.651,09	2.556,67	294.448,63	75.971,97	105.551,37	181.523,33
72	294.448,63	900,52	1.656,14	2.556,67	292.792,49	76.872,49	107.207,51	184.080,00
73	292.792,49	895,46	1.661,21	2.556,67	291.131,28	77.767,95	108.868,72	186.636,67
74	291.131,28	890,38	1.666,29	2.556,67	289.464,99	78.658,32	110.535,01	189.193,33
75	289.464,99	885,28	1.671,39	2.556,67	287.793,60	79.543,60	112.206,40	191.750,00
76	287.793,60	880,17	1.676,50	2.556,67	286.117,10	80.423,77	113.882,90	194.306,67
77	286.117,10	875,04	1.681,63	2.556,67	284.435,48	81.298,81	115.564,52	196.863,33
78	284.435,48	869,90	1.686,77	2.556,67	282.748,71	82.168,71	117.251,29	199.420,00
79	282.748,71	864,74	1.691,93	2.556,67	281.056,78	83.033,45	118.943,22	201.976,67
80	281.056,78	859,57	1.697,10	2.556,67	279.359,68	83.893,02	120.640,32	204.533,33
81	279.359,68	854,38	1.702,29	2.556,67	277.657,39	84.747,39	122.342,61	207.090,00
82	277.657,39	849,17	1.707,50	2.556,67	275.949,89	85.596,56	124.050,11	209.646,67
83	275.949,89	843,95	1.712,72	2.556,67	274.237,17	86.440,51	125.762,83	212.203,33
84	274.237,17	838,71	1.717,96	2.556,67	272.519,22	87.279,22	127.480,78	214.760,00
85	272.519,22	833,45	1.723,21	2.556,67	270.796,00	88.112,67	129.204,00	217.316,67
86	270.796,00	828,18	1.728,48	2.556,67	269.067,52	88.940,85	130.932,48	219.873,33
87	269.067,52	822,90	1.733,77	2.556,67	267.333,75	89.763,75	132.666,25	222.430,00
88	267.333,75	817,60	1.739,07	2.556,67	265.594,68	90.581,35	134.405,32	224.986,67
89	265.594,68	812,28	1.744,39	2.556,67	263.850,29	91.393,63	136.149,71	227.543,33
90	263.850,29	806,94	1.749,72	2.556,67	262.100,57	92.200,57	137.899,43	230.100,00
91	262.100,57	801,59	1.755,08	2.556,67	260.345,49	93.002,16	139.654,51	232.656,67
92	260.345,49	796,22	1.760,44	2.556,67	258.585,05	93.798,38	141.414,95	235.213,33
93	258.585,05	790,84	1.765,83	2.556,67	256.819,22	94.589,22	143.180,78	237.770,00
94	256.819,22	785,44	1.771,23	2.556,67	255.047,99	95.374,66	144.952,01	240.326,67
95	255.047,99	780,02	1.776,64	2.556,67	253.271,35	96.154,68	146.728,65	242.883,33
96	253.271,35	774,59	1.782,08	2.556,67	251.489,27	96.929,27	148.510,73	245.440,00
97	251.489,27	769,14	1.787,53	2.556,67	249.701,74	97.698,41	150.298,26	247.996,67
98	249.701,74	763,67	1.793,00	2.556,67	247.908,75	98.462,08	152.091,25	250.553,33
99	247.908,75	758,19	1.798,48	2.556,67	246.110,27	99.220,27	153.889,73	253.110,00
100	246.110,27	752,69	1.803,98	2.556,67	244.306,29	99.972,95	155.693,71	255.666,67
101	244.306,29	747,17	1.809,50	2.556,67	242.496,79	100.720,12	157.503,21	258.223,33
102	242.496,79	741,64	1.815,03	2.556,67	240.681,76	101.461,76	159.318,24	260.780,00
103	240.681,76	736,09	1.820,58	2.556,67	238.861,18	102.197,85	161.138,82	263.336,67
104	238.861,18	730,52	1.826,15	2.556,67	237.035,03	102.928,36	162.964,97	265.893,33
105	237.035,03	724,93	1.831,73	2.556,67	235.203,29	103.653,29	164.796,71	268.450,00
106	235.203,29	719,33	1.837,34	2.556,67	233.365,96	104.372,62	166.634,04	271.006,67
107	233.365,96	713,71	1.842,96	2.556,67	231.523,00	105.086,34	168.477,00	273.563,33
108	231.523,00	708,07	1.848,59	2.556,67	229.674,41	105.794,41	170.325,59	276.120,00
109	229.674,41	702,42	1.854,25	2.556,67	227.820,16	106.496,83	172.179,84	278.676,67
110	227.820,16	696,75	1.859,92	2.556,67	225.960,25	107.193,58	174.039,75	281.233,33
111	225.960,25	691,06	1.865,60	2.556,67	224.094,64	107.884,64	175.905,36	283.790,00
112	224.094,64	685,36	1.871,31	2.556,67	222.223,33	108.570,00	177.776,67	286.346,67
113	222.223,33	679,63	1.877,03	2.556,67	220.346,30	109.249,63	179.653,70	288.903,33
114	220.346,30	673,89	1.882,77	2.556,67	218.463,52	109.923,52	181.536,48	291.460,00
115	218.463,52	668,13	1.888,53	2.556,67	216.574,99	110.591,66	183.425,01	294.016,67
116	216.574,99	662,36	1.894,31	2.556,67	214.680,68	111.254,02	185.319,32	296.573,33
117	214.680,68	656,57	1.900,10	2.556,67	212.780,58	111.910,58	187.219,42	299.130,00
118	212.780,58	650,75	1.905,91	2.556,67	210.874,67	112.561,34	189.125,33	301.686,67
119	210.874,67	644,93	1.911,74	2.556,67	208.962,93	113.206,26	191.037,07	304.243,33
120	208.962,93	639,08	1.917,59	2.556,67	207.045,34	113.845,34	192.954,66	306.800,00
121	207.045,34	633,21	1.923,45	2.556,67	205.121,89	114.478,55	194.878,11	309.356,67
122	205.121,89	627,33	1.929,34	2.556,67	203.192,55	115.105,88	196.807,45	311.913,33
123	203.192,55	621,43	1.935,24	2.556,67	201.257,31	115.727,31	198.742,69	314.470,00
124	201.257,31	615,51	1.941,15	2.556,67	199.316,16	116.342,83	200.683,84	317.026,67
125	199.316,16	609,58	1.947,09	2.556,67	197.369,07	116.952,40	202.630,93	319.583,33
126	197.369,07	603,62	1.953,05	2.556,67	195.416,02	117.556,02	204.583,98	322.140,00
127	195.416,02	597,65	1.959,02	2.556,67	193.457,00	118.153,67	206.543,00	324.696,67
128	193.457,00	591,66	1.965,01	2.556,67	191.491,99	118.745,33	208.508,01	327.253,33
129	191.491,99	585,65	1.971,02	2.556,67	189.520,97	119.330,97	210.479,03	329.810,00
130	189.520,97	579,62	1.977,05	2.556,67	187.543,92	119.910,59	212.456,08	332.366,67
131	187.543,92	573,57	1.983,09	2.556,67	185.560,83	120.484,16	214.439,17	334.923,33
132	185.560,83	567,51	1.989,16	2.556,67	183.571,67	121.051,67	216.428,33	337.480,00
133	183.571,67	561,42	1.995,24	2.556,67	181.576,43	121.613,09	218.423,57	340.036,67
134	181.576,43	555,32	2.001,35	2.556,67	179.575,08	122.168,41	220.424,92	342.593,33
135	179.575,08	549,20	2.007,47	2.556,67	177.567,61	122.717,61	222.432,39	345.150,00
136	177.567,61	543,06	2.013,61	2.556,67	175.554,01	123.260,68	224.445,99	347.706,67
137	175.554,01	536,90	2.019,76	2.556,67	173.534,24	123.797,58	226.465,76	350.263,33
138	173.534,24	530,73	2.025,94	2.556,67	171.508,30	124.328,30	228.491,70	352.820,00
139	171.508,30	524,53	2.032,14	2.556,67	169.476,17	124.852,83	230.523,83	355.376,67
140	169.476,17	518,31	2.038,35	2.556,67	167.437,81	125.371,15	232.562,19	357.933,33
141	167.437,81	512,08	2.044,59	2.556,67	165.393,23	125.883,23	234.606,77	360.490,00
142	165.393,23	505,83	2.050,84	2.556,67	163.342,39	126.389,06	236.657,61	363.046,67
143	163.342,39	499,56	2.057,11	2.556,67	161.285,28	126.888,61	238.714,72	365.603,33
144	161.285,28	493,26	2.063,40	2.556,67	159.221,88	127.381,88	240.778,12	368.160,00
145	159.221,88	486,95	2.069,71	2.556,67	157.152,16	127.868,83	242.847,84	370.716,67
146	157.152,16	480,62	2.076,04	2.556,67	155.076,12	128.349,45	244.923,88	373.273,33
147	155.076,12	474,27	2.082,39	2.556,67	152.993,73	128.823,73	247.006,27	375.830,00
148	152.993,73	467,91	2.088,76	2.556,67	150.904,97	129.291,63	249.095,03	378.386,67
149	150.904,97	461,52	2.095,15	2.556,67	148.809,82	129.753,15	251.190,18	380.943,33
150	148.809,82	455,11	2.101,56	2.556,67	146.708,26	130.208,26	253.291,74	383.500,00
151	146.708,26	448,68	2.107,98	2.556,67	144.600,28	130.656,94	255.399,72	386.056,67
152	144.600,28	442,24	2.114,43	2.556,67	142.485,85	131.099,18	257.514,15	388.613,33
153	142.485,85	435,77	2.120,90	2.556,67	140.364,95	131.534,95	259.635,05	391.170,00
154	140.364,95	429,28	2.127,38	2.556,67	138.237,56	131.964,23	261.762,44	393.726,67
155	138.237,56	422,78	2.133,89	2.556,67	136.103,67	132.387,01	263.896,33	396.283,33
156	136.103,67	416,25	2.140,42	2.556,67	133.963,26	132.803,26	266.036,74	398.840,00
157	133.963,26	409,70	2.146,96	2.556,67	131.816,30	133.212,96	268.183,70	401.396,67
158	131.816,30	403,14	2.153,53	2.556,67	129.662,77	133.616,10	270.337,23	403.953,33
159	129.662,77	396,55	2.160,11	2.556,67	127.502,65	134.012,65	272.497,35	406.510,00
160	127.502,65	389,95	2.166,72	2.556,67	125.335,93	134.402,60	274.664,07	409.066,67
161	125.335,93	383,32	2.173,35	2.556,67	123.162,58	134.785,92	276.837,42	411.623,33
162	123.162,58	376,67	2.179,99	2.556,67	120.982,59	135.162,59	279.017,41	414.180,00
163	120.982,59	370,01	2.186,66	2.556,67	118.795,93	135.532,59	281.204,07	416.736,67
164	118.795,93	363,32	2.193,35	2.556,67	116.602,58	135.895,91	283.397,42	419.293,33
165	116.602,58	356,61	2.200,06	2.556,67	114.402,52	136.252,52	285.597,48	421.850,00
166	114.402,52	349,88	2.206,79	2.556,67	112.195,74	136.602,40	287.804,26	424.406,67
167	112.195,74	343,13	2.213,53	2.556,67	109.982,20	136.945,53	290.017,80	426.963,33
168	109.982,20	336,36	2.220,30	2.556,67	107.761,90	137.281,90	292.238,10	429.520,00
169	107.761,90	329,57	2.227,09	2.556,67	105.534,80	137.611,47	294.465,20	432.076,67
170	105.534,80	322,76	2.233,91	2.556,67	103.300,90	137.934,23	296.699,10	434.633,33
171	103.300,90	315,93	2.240,74	2.556,67	101.060,16	138.250,16	298.939,84	437.190,00
172	101.060,16	309,08	2.247,59	2.556,67	98.812,57	138.559,23	301.187,43	439.746,67
173	98.812,57	302,20	2.254,46	2.556,67	96.558,10	138.861,44	303.441,90	442.303,33
174	96.558,10	295,31	2.261,36	2.556,67	94.296,74	139.156,74	305.703,26	444.860,00
175	94.296,74	288,39	2.268,28	2.556,67	92.028,47	139.445,13	307.971,53	447.416,67
176	92.028,47	281,45	2.275,21	2.556,67	89.753,25	139.726,59	310.246,75	449.973,33
177	89.753,25	274,50	2.282,17	2.556,67	87.471,08	140.001,08	312.528,92	452.530,00
178	87.471,08	267,52	2.289,15	2.556,67	85.181,93	140.268,60	314.818,07	455.086,67
179	85.181,93	260,51	2.296,15	2.556,67	82.885,78	140.529,11	317.114,22	457.643,33
180	82.885,78	253,49	2.303,17	2.556,67	80.582,61	140.782,61	319.417,39	460.200,00
181	80.582,61	246,45	2.310,22	2.556,67	78.272,39	141.029,05	321.727,61	462.756,67
182	78.272,39	239,38	2.317,28	2.556,67	75.955,10	141.268,44	324.044,90	465.313,33
183	75.955,10	232,30	2.324,37	2.556,67	73.630,73	141.500,73	326.369,27	467.870,00
184	73.630,73	225,19	2.331,48	2.556,67	71.299,25	141.725,92	328.700,75	470.426,67
185	71.299,25	218,06	2.338,61	2.556,67	68.960,64	141.943,98	331.039,36	472.983,33
186	68.960,64	210,90	2.345,76	2.556,67	66.614,88	142.154,88	333.385,12	475.540,00
187	66.614,88	203,73	2.352,94	2.556,67	64.261,95	142.358,61	335.738,05	478.096,67
188	64.261,95	196,53	2.360,13	2.556,67	61.901,81	142.555,15	338.098,19	480.653,33
189	61.901,81	189,32	2.367,35	2.556,67	59.534,46	142.744,46	340.465,54	483.210,00
190	59.534,46	182,08	2.374,59	2.556,67	57.159,87	142.926,54	342.840,13	485.766,67
191	57.159,87	174,81	2.381,85	2.556,67	54.778,02	143.101,35	345.221,98	488.323,33
192	54.778,02	167,53	2.389,14	2.556,67	52.388,88	143.268,88	347.611,12	490.880,00
193	52.388,88	160,22	2.396,44	2.556,67	49.992,44	143.429,11	350.007,56	493.436,67
194	49.992,44	152,89	2.403,77	2.556,67	47.588,67	143.582,00	352.411,33	495.993,33
195	47.588,67	145,54	2.411,12	2.556,67	45.177,54	143.727,54	354.822,46	498.550,00
196	45.177,54	138,17	2.418,50	2.556,67	42.759,04	143.865,71	357.240,96	501.106,67
197	42.759,04	130,77	2.425,90	2.556,67	40.333,15	143.996,48	359.666,85	503.663,33
198	40.333,15	123,35	2.433,31	2.556,67	37.899,83	144.119,83	362.100,17	506.220,00
199	37.899,83	115,91	2.440,76	2.556,67	35.459,08	144.235,74	364.540,92	508.776,67
200	35.459,08	108,45	2.448,22	2.556,67	33.010,85	144.344,19	366.989,15	511.333,33
201	33.010,85	100,96	2.455,71	2.556,67	30.555,15	144.445,15	369.444,85	513.890,00
202	30.555,15	93,45	2.463,22	2.556,67	28.091,93	144.538,59	371.908,07	516.446,67
203	28.091,93	85,91	2.470,75	2.556,67	25.621,18	144.624,51	374.378,82	519.003,33
204	25.621,18	78,36	2.478,31	2.556,67	23.142,87	144.702,87	376.857,13	521.560,00
205	23.142,87	70,78	2.485,89	2.556,67	20.656,98	144.773,65	379.343,02	524.116,67
206	20.656,98	63,18	2.493,49	2.556,67	18.163,49	144.836,82	381.836,51	526.673,33
207	18.163,49	55,55	2.501,12	2.556,67	15.662,37	144.892,37	384.337,63	529.230,00
208	15.662,37	47,90	2.508,77	2.556,67	13.153,61	144.940,27	386.846,39	531.786,67
209	13.153,61	40,23	2.516,44	2.556,67	10.637,17	144.980,50	389.362,83	534.343,33
210	10.637,17	32,53	2.524,13	2.556,67	8.113,03	145.013,03	391.886,97	536.900,00
211	8.113,03	24,81	2.531,85	2.556,67	5.581,18	145.037,84	394.418,82	539.456,67
212	5.581,18	17,07	2.539,60	2.556,67	3.041,58	145.054,91	396.958,42	542.013,33
213	3.041,58	9,30	2.547,36	2.556,67	494,22	145.064,22	399.505,78	544.570,00
214	494,22	1,51	494,22	494,22	494,22	145.065,73	400.000,00	545.065,73

ING Baufinanzierung

3.73/5,00

148.244,05€
Zinsanteil

2.590,00€
Monatsrate

3,77%
Sollzins p.a.

3,86%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 1.797,50 €;Gesamtbetrag: 323.550,00 €;Anzahl Kreditraten: 180;Laufzeit: 251 Monate;Effektiver Jahreszins: 4,30 %;Gebundener Sollzins: 4,19 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.256,67	1.333,33	2.590,00	398.666,67	1.256,67	1.333,33	2.590,00
2	398.666,67	1.252,48	1.337,52	2.590,00	397.329,14	2.509,14	2.670,86	5.180,00
3	397.329,14	1.248,28	1.341,72	2.590,00	395.987,42	3.757,42	4.012,58	7.770,00
4	395.987,42	1.244,06	1.345,94	2.590,00	394.641,48	5.001,48	5.358,52	10.360,00
5	394.641,48	1.239,83	1.350,17	2.590,00	393.291,31	6.241,31	6.708,69	12.950,00
6	393.291,31	1.235,59	1.354,41	2.590,00	391.936,90	7.476,90	8.063,10	15.540,00
7	391.936,90	1.231,34	1.358,66	2.590,00	390.578,24	8.708,24	9.421,76	18.130,00
8	390.578,24	1.227,07	1.362,93	2.590,00	389.215,30	9.935,30	10.784,70	20.720,00
9	389.215,30	1.222,78	1.367,22	2.590,00	387.848,09	11.158,09	12.151,91	23.310,00
10	387.848,09	1.218,49	1.371,51	2.590,00	386.476,58	12.376,58	13.523,42	25.900,00
11	386.476,58	1.214,18	1.375,82	2.590,00	385.100,76	13.590,76	14.899,24	28.490,00
12	385.100,76	1.209,86	1.380,14	2.590,00	383.720,62	14.800,62	16.279,38	31.080,00
13	383.720,62	1.205,52	1.384,48	2.590,00	382.336,14	16.006,14	17.663,86	33.670,00
14	382.336,14	1.201,17	1.388,83	2.590,00	380.947,31	17.207,31	19.052,69	36.260,00
15	380.947,31	1.196,81	1.393,19	2.590,00	379.554,12	18.404,12	20.445,88	38.850,00
16	379.554,12	1.192,43	1.397,57	2.590,00	378.156,55	19.596,55	21.843,45	41.440,00
17	378.156,55	1.188,04	1.401,96	2.590,00	376.754,60	20.784,60	23.245,40	44.030,00
18	376.754,60	1.183,64	1.406,36	2.590,00	375.348,23	21.968,23	24.651,77	46.620,00
19	375.348,23	1.179,22	1.410,78	2.590,00	373.937,45	23.147,45	26.062,55	49.210,00
20	373.937,45	1.174,79	1.415,21	2.590,00	372.522,24	24.322,24	27.477,76	51.800,00
21	372.522,24	1.170,34	1.419,66	2.590,00	371.102,58	25.492,58	28.897,42	54.390,00
22	371.102,58	1.165,88	1.424,12	2.590,00	369.678,46	26.658,46	30.321,54	56.980,00
23	369.678,46	1.161,41	1.428,59	2.590,00	368.249,87	27.819,87	31.750,13	59.570,00
24	368.249,87	1.156,92	1.433,08	2.590,00	366.816,79	28.976,79	33.183,21	62.160,00
25	366.816,79	1.152,42	1.437,58	2.590,00	365.379,20	30.129,20	34.620,80	64.750,00
26	365.379,20	1.147,90	1.442,10	2.590,00	363.937,10	31.277,10	36.062,90	67.340,00
27	363.937,10	1.143,37	1.446,63	2.590,00	362.490,47	32.420,47	37.509,53	69.930,00
28	362.490,47	1.138,82	1.451,18	2.590,00	361.039,29	33.559,29	38.960,71	72.520,00
29	361.039,29	1.134,27	1.455,73	2.590,00	359.583,56	34.693,56	40.416,44	75.110,00
30	359.583,56	1.129,69	1.460,31	2.590,00	358.123,25	35.823,25	41.876,75	77.700,00
31	358.123,25	1.125,10	1.464,90	2.590,00	356.658,36	36.948,36	43.341,64	80.290,00
32	356.658,36	1.120,50	1.469,50	2.590,00	355.188,86	38.068,86	44.811,14	82.880,00
33	355.188,86	1.115,88	1.474,12	2.590,00	353.714,74	39.184,74	46.285,26	85.470,00
34	353.714,74	1.111,25	1.478,75	2.590,00	352.236,00	40.296,00	47.764,00	88.060,00
35	352.236,00	1.106,61	1.483,39	2.590,00	350.752,60	41.402,60	49.247,40	90.650,00
36	350.752,60	1.101,95	1.488,05	2.590,00	349.264,55	42.504,55	50.735,45	93.240,00
37	349.264,55	1.097,27	1.492,73	2.590,00	347.771,82	43.601,82	52.228,18	95.830,00
38	347.771,82	1.092,58	1.497,42	2.590,00	346.274,41	44.694,41	53.725,59	98.420,00
39	346.274,41	1.087,88	1.502,12	2.590,00	344.772,29	45.782,29	55.227,71	101.010,00
40	344.772,29	1.083,16	1.506,84	2.590,00	343.265,45	46.865,45	56.734,55	103.600,00
41	343.265,45	1.078,43	1.511,57	2.590,00	341.753,87	47.943,87	58.246,13	106.190,00
42	341.753,87	1.073,68	1.516,32	2.590,00	340.237,55	49.017,55	59.762,45	108.780,00
43	340.237,55	1.068,91	1.521,09	2.590,00	338.716,46	50.086,46	61.283,54	111.370,00
44	338.716,46	1.064,13	1.525,87	2.590,00	337.190,60	51.150,60	62.809,40	113.960,00
45	337.190,60	1.059,34	1.530,66	2.590,00	335.659,94	52.209,94	64.340,06	116.550,00
46	335.659,94	1.054,53	1.535,47	2.590,00	334.124,47	53.264,47	65.875,53	119.140,00
47	334.124,47	1.049,71	1.540,29	2.590,00	332.584,18	54.314,18	67.415,82	121.730,00
48	332.584,18	1.044,87	1.545,13	2.590,00	331.039,04	55.359,04	68.960,96	124.320,00
49	331.039,04	1.040,01	1.549,99	2.590,00	329.489,06	56.399,06	70.510,94	126.910,00
50	329.489,06	1.035,14	1.554,86	2.590,00	327.934,20	57.434,20	72.065,80	129.500,00
51	327.934,20	1.030,26	1.559,74	2.590,00	326.374,46	58.464,46	73.625,54	132.090,00
52	326.374,46	1.025,36	1.564,64	2.590,00	324.809,82	59.489,82	75.190,18	134.680,00
53	324.809,82	1.020,44	1.569,56	2.590,00	323.240,27	60.510,27	76.759,73	137.270,00
54	323.240,27	1.015,51	1.574,49	2.590,00	321.665,78	61.525,78	78.334,22	139.860,00
55	321.665,78	1.010,57	1.579,43	2.590,00	320.086,35	62.536,35	79.913,65	142.450,00
56	320.086,35	1.005,60	1.584,40	2.590,00	318.501,95	63.541,95	81.498,05	145.040,00
57	318.501,95	1.000,63	1.589,37	2.590,00	316.912,58	64.542,58	83.087,42	147.630,00
58	316.912,58	995,63	1.594,37	2.590,00	315.318,21	65.538,21	84.681,79	150.220,00
59	315.318,21	990,62	1.599,38	2.590,00	313.718,84	66.528,84	86.281,16	152.810,00
60	313.718,84	985,60	1.604,40	2.590,00	312.114,44	67.514,44	87.885,56	155.400,00
61	312.114,44	980,56	1.609,44	2.590,00	310.505,00	68.495,00	89.495,00	157.990,00
62	310.505,00	975,50	1.614,50	2.590,00	308.890,50	69.470,50	91.109,50	160.580,00
63	308.890,50	970,43	1.619,57	2.590,00	307.270,93	70.440,93	92.729,07	163.170,00
64	307.270,93	965,34	1.624,66	2.590,00	305.646,27	71.406,27	94.353,73	165.760,00
65	305.646,27	960,24	1.629,76	2.590,00	304.016,51	72.366,51	95.983,49	168.350,00
66	304.016,51	955,12	1.634,88	2.590,00	302.381,63	73.321,63	97.618,37	170.940,00
67	302.381,63	949,98	1.640,02	2.590,00	300.741,61	74.271,61	99.258,39	173.530,00
68	300.741,61	944,83	1.645,17	2.590,00	299.096,44	75.216,44	100.903,56	176.120,00
69	299.096,44	939,66	1.650,34	2.590,00	297.446,10	76.156,10	102.553,90	178.710,00
70	297.446,10	934,48	1.655,52	2.590,00	295.790,58	77.090,58	104.209,42	181.300,00
71	295.790,58	929,28	1.660,72	2.590,00	294.129,86	78.019,86	105.870,14	183.890,00
72	294.129,86	924,06	1.665,94	2.590,00	292.463,91	78.943,91	107.536,09	186.480,00
73	292.463,91	918,82	1.671,18	2.590,00	290.792,74	79.862,74	109.207,26	189.070,00
74	290.792,74	913,57	1.676,43	2.590,00	289.116,31	80.776,31	110.883,69	191.660,00
75	289.116,31	908,31	1.681,69	2.590,00	287.434,62	81.684,62	112.565,38	194.250,00
76	287.434,62	903,02	1.686,98	2.590,00	285.747,64	82.587,64	114.252,36	196.840,00
77	285.747,64	897,72	1.692,28	2.590,00	284.055,37	83.485,37	115.944,63	199.430,00
78	284.055,37	892,41	1.697,59	2.590,00	282.357,77	84.377,77	117.642,23	202.020,00
79	282.357,77	887,07	1.702,93	2.590,00	280.654,85	85.264,85	119.345,15	204.610,00
80	280.654,85	881,72	1.708,28	2.590,00	278.946,57	86.146,57	121.053,43	207.200,00
81	278.946,57	876,36	1.713,64	2.590,00	277.232,93	87.022,93	122.767,07	209.790,00
82	277.232,93	870,97	1.719,03	2.590,00	275.513,90	87.893,90	124.486,10	212.380,00
83	275.513,90	865,57	1.724,43	2.590,00	273.789,48	88.759,48	126.210,52	214.970,00
84	273.789,48	860,16	1.729,84	2.590,00	272.059,63	89.619,63	127.940,37	217.560,00
85	272.059,63	854,72	1.735,28	2.590,00	270.324,35	90.474,35	129.675,65	220.150,00
86	270.324,35	849,27	1.740,73	2.590,00	268.583,62	91.323,62	131.416,38	222.740,00
87	268.583,62	843,80	1.746,20	2.590,00	266.837,42	92.167,42	133.162,58	225.330,00
88	266.837,42	838,31	1.751,69	2.590,00	265.085,73	93.005,73	134.914,27	227.920,00
89	265.085,73	832,81	1.757,19	2.590,00	263.328,55	93.838,55	136.671,45	230.510,00
90	263.328,55	827,29	1.762,71	2.590,00	261.565,84	94.665,84	138.434,16	233.100,00
91	261.565,84	821,75	1.768,25	2.590,00	259.797,59	95.487,59	140.202,41	235.690,00
92	259.797,59	816,20	1.773,80	2.590,00	258.023,79	96.303,79	141.976,21	238.280,00
93	258.023,79	810,62	1.779,38	2.590,00	256.244,41	97.114,41	143.755,59	240.870,00
94	256.244,41	805,03	1.784,97	2.590,00	254.459,45	97.919,45	145.540,55	243.460,00
95	254.459,45	799,43	1.790,57	2.590,00	252.668,87	98.718,87	147.331,13	246.050,00
96	252.668,87	793,80	1.796,20	2.590,00	250.872,67	99.512,67	149.127,33	248.640,00
97	250.872,67	788,16	1.801,84	2.590,00	249.070,83	100.300,83	150.929,17	251.230,00
98	249.070,83	782,50	1.807,50	2.590,00	247.263,33	101.083,33	152.736,67	253.820,00
99	247.263,33	776,82	1.813,18	2.590,00	245.450,15	101.860,15	154.549,85	256.410,00
100	245.450,15	771,12	1.818,88	2.590,00	243.631,27	102.631,27	156.368,73	259.000,00
101	243.631,27	765,41	1.824,59	2.590,00	241.806,68	103.396,68	158.193,32	261.590,00
102	241.806,68	759,68	1.830,32	2.590,00	239.976,36	104.156,36	160.023,64	264.180,00
103	239.976,36	753,93	1.836,07	2.590,00	238.140,28	104.910,28	161.859,72	266.770,00
104	238.140,28	748,16	1.841,84	2.590,00	236.298,44	105.658,44	163.701,56	269.360,00
105	236.298,44	742,37	1.847,63	2.590,00	234.450,81	106.400,81	165.549,19	271.950,00
106	234.450,81	736,57	1.853,43	2.590,00	232.597,38	107.137,38	167.402,62	274.540,00
107	232.597,38	730,74	1.859,26	2.590,00	230.738,12	107.868,12	169.261,88	277.130,00
108	230.738,12	724,90	1.865,10	2.590,00	228.873,02	108.593,02	171.126,98	279.720,00
109	228.873,02	719,04	1.870,96	2.590,00	227.002,06	109.312,06	172.997,94	282.310,00
110	227.002,06	713,16	1.876,84	2.590,00	225.125,23	110.025,23	174.874,77	284.900,00
111	225.125,23	707,27	1.882,73	2.590,00	223.242,50	110.732,50	176.757,50	287.490,00
112	223.242,50	701,35	1.888,65	2.590,00	221.353,85	111.433,85	178.646,15	290.080,00
113	221.353,85	695,42	1.894,58	2.590,00	219.459,27	112.129,27	180.540,73	292.670,00
114	219.459,27	689,47	1.900,53	2.590,00	217.558,74	112.818,74	182.441,26	295.260,00
115	217.558,74	683,50	1.906,50	2.590,00	215.652,24	113.502,24	184.347,76	297.850,00
116	215.652,24	677,51	1.912,49	2.590,00	213.739,74	114.179,74	186.260,26	300.440,00
117	213.739,74	671,50	1.918,50	2.590,00	211.821,24	114.851,24	188.178,76	303.030,00
118	211.821,24	665,47	1.924,53	2.590,00	209.896,71	115.516,71	190.103,29	305.620,00
119	209.896,71	659,43	1.930,57	2.590,00	207.966,14	116.176,14	192.033,86	308.210,00
120	207.966,14	653,36	1.936,64	2.590,00	206.029,50	116.829,50	193.970,50	310.800,00
121	206.029,50	647,28	1.942,72	2.590,00	204.086,78	117.476,78	195.913,22	313.390,00
122	204.086,78	641,17	1.948,83	2.590,00	202.137,95	118.117,95	197.862,05	315.980,00
123	202.137,95	635,05	1.954,95	2.590,00	200.183,00	118.753,00	199.817,00	318.570,00
124	200.183,00	628,91	1.961,09	2.590,00	198.221,91	119.381,91	201.778,09	321.160,00
125	198.221,91	622,75	1.967,25	2.590,00	196.254,65	120.004,65	203.745,35	323.750,00
126	196.254,65	616,57	1.973,43	2.590,00	194.281,22	120.621,22	205.718,78	326.340,00
127	194.281,22	610,37	1.979,63	2.590,00	192.301,59	121.231,59	207.698,41	328.930,00
128	192.301,59	604,15	1.985,85	2.590,00	190.315,73	121.835,73	209.684,27	331.520,00
129	190.315,73	597,91	1.992,09	2.590,00	188.323,64	122.433,64	211.676,36	334.110,00
130	188.323,64	591,65	1.998,35	2.590,00	186.325,29	123.025,29	213.674,71	336.700,00
131	186.325,29	585,37	2.004,63	2.590,00	184.320,67	123.610,67	215.679,33	339.290,00
132	184.320,67	579,07	2.010,93	2.590,00	182.309,74	124.189,74	217.690,26	341.880,00
133	182.309,74	572,76	2.017,24	2.590,00	180.292,50	124.762,50	219.707,50	344.470,00
134	180.292,50	566,42	2.023,58	2.590,00	178.268,92	125.328,92	221.731,08	347.060,00
135	178.268,92	560,06	2.029,94	2.590,00	176.238,98	125.888,98	223.761,02	349.650,00
136	176.238,98	553,68	2.036,32	2.590,00	174.202,66	126.442,66	225.797,34	352.240,00
137	174.202,66	547,29	2.042,71	2.590,00	172.159,95	126.989,95	227.840,05	354.830,00
138	172.159,95	540,87	2.049,13	2.590,00	170.110,82	127.530,82	229.889,18	357.420,00
139	170.110,82	534,43	2.055,57	2.590,00	168.055,25	128.065,25	231.944,75	360.010,00
140	168.055,25	527,97	2.062,03	2.590,00	165.993,22	128.593,22	234.006,78	362.600,00
141	165.993,22	521,50	2.068,50	2.590,00	163.924,72	129.114,72	236.075,28	365.190,00
142	163.924,72	515,00	2.075,00	2.590,00	161.849,71	129.629,71	238.150,29	367.780,00
143	161.849,71	508,48	2.081,52	2.590,00	159.768,19	130.138,19	240.231,81	370.370,00
144	159.768,19	501,94	2.088,06	2.590,00	157.680,13	130.640,13	242.319,87	372.960,00
145	157.680,13	495,38	2.094,62	2.590,00	155.585,51	131.135,51	244.414,49	375.550,00
146	155.585,51	488,80	2.101,20	2.590,00	153.484,31	131.624,31	246.515,69	378.140,00
147	153.484,31	482,20	2.107,80	2.590,00	151.376,50	132.106,50	248.623,50	380.730,00
148	151.376,50	475,57	2.114,43	2.590,00	149.262,08	132.582,08	250.737,92	383.320,00
149	149.262,08	468,93	2.121,07	2.590,00	147.141,01	133.051,01	252.858,99	385.910,00
150	147.141,01	462,27	2.127,73	2.590,00	145.013,28	133.513,28	254.986,72	388.500,00
151	145.013,28	455,58	2.134,42	2.590,00	142.878,86	133.968,86	257.121,14	391.090,00
152	142.878,86	448,88	2.141,12	2.590,00	140.737,74	134.417,74	259.262,26	393.680,00
153	140.737,74	442,15	2.147,85	2.590,00	138.589,89	134.859,89	261.410,11	396.270,00
154	138.589,89	435,40	2.154,60	2.590,00	136.435,29	135.295,29	263.564,71	398.860,00
155	136.435,29	428,63	2.161,37	2.590,00	134.273,93	135.723,93	265.726,07	401.450,00
156	134.273,93	421,84	2.168,16	2.590,00	132.105,77	136.145,77	267.894,23	404.040,00
157	132.105,77	415,03	2.174,97	2.590,00	129.930,80	136.560,80	270.069,20	406.630,00
158	129.930,80	408,20	2.181,80	2.590,00	127.749,00	136.969,00	272.251,00	409.220,00
159	127.749,00	401,34	2.188,66	2.590,00	125.560,35	137.370,35	274.439,65	411.810,00
160	125.560,35	394,47	2.195,53	2.590,00	123.364,82	137.764,82	276.635,18	414.400,00
161	123.364,82	387,57	2.202,43	2.590,00	121.162,39	138.152,39	278.837,61	416.990,00
162	121.162,39	380,65	2.209,35	2.590,00	118.953,04	138.533,04	281.046,96	419.580,00
163	118.953,04	373,71	2.216,29	2.590,00	116.736,75	138.906,75	283.263,25	422.170,00
164	116.736,75	366,75	2.223,25	2.590,00	114.513,50	139.273,50	285.486,50	424.760,00
165	114.513,50	359,76	2.230,24	2.590,00	112.283,26	139.633,26	287.716,74	427.350,00
166	112.283,26	352,76	2.237,24	2.590,00	110.046,02	139.986,02	289.953,98	429.940,00
167	110.046,02	345,73	2.244,27	2.590,00	107.801,75	140.331,75	292.198,25	432.530,00
168	107.801,75	338,68	2.251,32	2.590,00	105.550,42	140.670,42	294.449,58	435.120,00
169	105.550,42	331,60	2.258,40	2.590,00	103.292,03	141.002,03	296.707,97	437.710,00
170	103.292,03	324,51	2.265,49	2.590,00	101.026,54	141.326,54	298.973,46	440.300,00
171	101.026,54	317,39	2.272,61	2.590,00	98.753,93	141.643,93	301.246,07	442.890,00
172	98.753,93	310,25	2.279,75	2.590,00	96.474,18	141.954,18	303.525,82	445.480,00
173	96.474,18	303,09	2.286,91	2.590,00	94.187,27	142.257,27	305.812,73	448.070,00
174	94.187,27	295,91	2.294,09	2.590,00	91.893,17	142.553,17	308.106,83	450.660,00
175	91.893,17	288,70	2.301,30	2.590,00	89.591,87	142.841,87	310.408,13	453.250,00
176	89.591,87	281,47	2.308,53	2.590,00	87.283,34	143.123,34	312.716,66	455.840,00
177	87.283,34	274,22	2.315,78	2.590,00	84.967,55	143.397,55	315.032,45	458.430,00
178	84.967,55	266,94	2.323,06	2.590,00	82.644,49	143.664,49	317.355,51	461.020,00
179	82.644,49	259,64	2.330,36	2.590,00	80.314,14	143.924,14	319.685,86	463.610,00
180	80.314,14	252,32	2.337,68	2.590,00	77.976,46	144.176,46	322.023,54	466.200,00
181	77.976,46	244,98	2.345,02	2.590,00	75.631,43	144.421,43	324.368,57	468.790,00
182	75.631,43	237,61	2.352,39	2.590,00	73.279,04	144.659,04	326.720,96	471.380,00
183	73.279,04	230,22	2.359,78	2.590,00	70.919,26	144.889,26	329.080,74	473.970,00
184	70.919,26	222,80	2.367,20	2.590,00	68.552,06	145.112,06	331.447,94	476.560,00
185	68.552,06	215,37	2.374,63	2.590,00	66.177,43	145.327,43	333.822,57	479.150,00
186	66.177,43	207,91	2.382,09	2.590,00	63.795,34	145.535,34	336.204,66	481.740,00
187	63.795,34	200,42	2.389,58	2.590,00	61.405,76	145.735,76	338.594,24	484.330,00
188	61.405,76	192,92	2.397,08	2.590,00	59.008,68	145.928,68	340.991,32	486.920,00
189	59.008,68	185,39	2.404,61	2.590,00	56.604,06	146.114,06	343.395,94	489.510,00
190	56.604,06	177,83	2.412,17	2.590,00	54.191,90	146.291,90	345.808,10	492.100,00
191	54.191,90	170,25	2.419,75	2.590,00	51.772,15	146.462,15	348.227,85	494.690,00
192	51.772,15	162,65	2.427,35	2.590,00	49.344,80	146.624,80	350.655,20	497.280,00
193	49.344,80	155,02	2.434,98	2.590,00	46.909,82	146.779,82	353.090,18	499.870,00
194	46.909,82	147,38	2.442,62	2.590,00	44.467,20	146.927,20	355.532,80	502.460,00
195	44.467,20	139,70	2.450,30	2.590,00	42.016,90	147.066,90	357.983,10	505.050,00
196	42.016,90	132,00	2.458,00	2.590,00	39.558,90	147.198,90	360.441,10	507.640,00
197	39.558,90	124,28	2.465,72	2.590,00	37.093,18	147.323,18	362.906,82	510.230,00
198	37.093,18	116,53	2.473,47	2.590,00	34.619,72	147.439,72	365.380,28	512.820,00
199	34.619,72	108,76	2.481,24	2.590,00	32.138,48	147.548,48	367.861,52	515.410,00
200	32.138,48	100,97	2.489,03	2.590,00	29.649,45	147.649,45	370.350,55	518.000,00
201	29.649,45	93,15	2.496,85	2.590,00	27.152,60	147.742,60	372.847,40	520.590,00
202	27.152,60	85,30	2.504,70	2.590,00	24.647,90	147.827,90	375.352,10	523.180,00
203	24.647,90	77,44	2.512,56	2.590,00	22.135,34	147.905,34	377.864,66	525.770,00
204	22.135,34	69,54	2.520,46	2.590,00	19.614,88	147.974,88	380.385,12	528.360,00
205	19.614,88	61,62	2.528,38	2.590,00	17.086,50	148.036,50	382.913,50	530.950,00
206	17.086,50	53,68	2.536,32	2.590,00	14.550,19	148.090,19	385.449,81	533.540,00
207	14.550,19	45,71	2.544,29	2.590,00	12.005,90	148.135,90	387.994,10	536.130,00
208	12.005,90	37,72	2.552,28	2.590,00	9.453,62	148.173,62	390.546,38	538.720,00
209	9.453,62	29,70	2.560,30	2.590,00	6.893,32	148.203,32	393.106,68	541.310,00
210	6.893,32	21,66	2.568,34	2.590,00	4.324,97	148.224,97	395.675,03	543.900,00
211	4.324,97	13,59	2.576,41	2.590,00	1.748,56	148.238,56	398.251,44	546.490,00
212	1.748,56	5,49	1.748,56	1.748,56	1.748,56	148.244,05	400.000,00	548.244,05

HypoVereinsbank Immobilienfinanzierung

3.48/5,00

156.987,38€
Zinsanteil

2.683,33€
Monatsrate

4,05%
Sollzins p.a.

4,12%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 428,33 €;Gesamtbetrag: 51.400,00 €;Anzahl Kreditraten: 240;Laufzeit: 120 Monate;Effektiver Jahreszins: 3,79 %;Gebundener Sollzins: 3,77 %;

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

Stand der Daten: 30.01.2023

Voraussetzung für eine Finanzierung ohne Eigenmittel

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

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

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

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

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

Finanzierung der Erwerbsnebenkosten

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

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

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

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

Baufinanzierungen mit und ohne Eigenkapital im direkten Vergleich

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

Quelle: Dr. Klein

Auswirkungen der Wohnimmobilien-Kreditrichtlinie

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

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

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

Eigenkapitalersatz – auch das gibt es

KfW

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

Arbeitgeberdarlehen

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

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

Eigenleistung

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

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

Versicherungspolicen

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

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

Kostenloses Angebot für individuelle Baufinanzierung anfordern

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

Weiterführende Informationen

(1) KfW-Programm 124 – KfW-Wohneigentumsprogramm

Vollfinanzierung – Hauskauf ohne Eigenkapital

Der Beleihungsauslauf

Kosten für Immobilien-Vollfinanzierung berechnen

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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