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: €

Baufi24 Baufinanzierung

3.66/5,00

130.381,58€
Zinsanteil

2.406,67€
Monatsrate

3,22%
Sollzins p.a.

3,27%
Effektivzins p.a.

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

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.073,33	1.333,33	2.406,67	398.666,67	1.073,33	1.333,33	2.406,67
2	398.666,67	1.069,76	1.336,91	2.406,67	397.329,76	2.143,09	2.670,24	4.813,33
3	397.329,76	1.066,17	1.340,50	2.406,67	395.989,26	3.209,26	4.010,74	7.220,00
4	395.989,26	1.062,57	1.344,10	2.406,67	394.645,16	4.271,83	5.354,84	9.626,67
5	394.645,16	1.058,96	1.347,70	2.406,67	393.297,46	5.330,79	6.702,54	12.033,33
6	393.297,46	1.055,35	1.351,32	2.406,67	391.946,14	6.386,14	8.053,86	14.440,00
7	391.946,14	1.051,72	1.354,94	2.406,67	390.591,20	7.437,86	9.408,80	16.846,67
8	390.591,20	1.048,09	1.358,58	2.406,67	389.232,62	8.485,95	10.767,38	19.253,33
9	389.232,62	1.044,44	1.362,23	2.406,67	387.870,39	9.530,39	12.129,61	21.660,00
10	387.870,39	1.040,79	1.365,88	2.406,67	386.504,51	10.571,18	13.495,49	24.066,67
11	386.504,51	1.037,12	1.369,55	2.406,67	385.134,96	11.608,30	14.865,04	26.473,33
12	385.134,96	1.033,45	1.373,22	2.406,67	383.761,74	12.641,74	16.238,26	28.880,00
13	383.761,74	1.029,76	1.376,91	2.406,67	382.384,84	13.671,50	17.615,16	31.286,67
14	382.384,84	1.026,07	1.380,60	2.406,67	381.004,24	14.697,57	18.995,76	33.693,33
15	381.004,24	1.022,36	1.384,31	2.406,67	379.619,93	15.719,93	20.380,07	36.100,00
16	379.619,93	1.018,65	1.388,02	2.406,67	378.231,91	16.738,58	21.768,09	38.506,67
17	378.231,91	1.014,92	1.391,74	2.406,67	376.840,17	17.753,50	23.159,83	40.913,33
18	376.840,17	1.011,19	1.395,48	2.406,67	375.444,69	18.764,69	24.555,31	43.320,00
19	375.444,69	1.007,44	1.399,22	2.406,67	374.045,46	19.772,13	25.954,54	45.726,67
20	374.045,46	1.003,69	1.402,98	2.406,67	372.642,49	20.775,82	27.357,51	48.133,33
21	372.642,49	999,92	1.406,74	2.406,67	371.235,74	21.775,74	28.764,26	50.540,00
22	371.235,74	996,15	1.410,52	2.406,67	369.825,23	22.771,89	30.174,77	52.946,67
23	369.825,23	992,36	1.414,30	2.406,67	368.410,92	23.764,26	31.589,08	55.353,33
24	368.410,92	988,57	1.418,10	2.406,67	366.992,83	24.752,83	33.007,17	57.760,00
25	366.992,83	984,76	1.421,90	2.406,67	365.570,92	25.737,59	34.429,08	60.166,67
26	365.570,92	980,95	1.425,72	2.406,67	364.145,20	26.718,54	35.854,80	62.573,33
27	364.145,20	977,12	1.429,54	2.406,67	362.715,66	27.695,66	37.284,34	64.980,00
28	362.715,66	973,29	1.433,38	2.406,67	361.282,28	28.668,95	38.717,72	67.386,67
29	361.282,28	969,44	1.437,23	2.406,67	359.845,06	29.638,39	40.154,94	69.793,33
30	359.845,06	965,58	1.441,08	2.406,67	358.403,97	30.603,97	41.596,03	72.200,00
31	358.403,97	961,72	1.444,95	2.406,67	356.959,02	31.565,69	43.040,98	74.606,67
32	356.959,02	957,84	1.448,83	2.406,67	355.510,20	32.523,53	44.489,80	77.013,33
33	355.510,20	953,95	1.452,71	2.406,67	354.057,48	33.477,48	45.942,52	79.420,00
34	354.057,48	950,05	1.456,61	2.406,67	352.600,87	34.427,54	47.399,13	81.826,67
35	352.600,87	946,15	1.460,52	2.406,67	351.140,35	35.373,68	48.859,65	84.233,33
36	351.140,35	942,23	1.464,44	2.406,67	349.675,91	36.315,91	50.324,09	86.640,00
37	349.675,91	938,30	1.468,37	2.406,67	348.207,54	37.254,21	51.792,46	89.046,67
38	348.207,54	934,36	1.472,31	2.406,67	346.735,23	38.188,56	53.264,77	91.453,33
39	346.735,23	930,41	1.476,26	2.406,67	345.258,97	39.118,97	54.741,03	93.860,00
40	345.258,97	926,44	1.480,22	2.406,67	343.778,75	40.045,41	56.221,25	96.266,67
41	343.778,75	922,47	1.484,19	2.406,67	342.294,55	40.967,89	57.705,45	98.673,33
42	342.294,55	918,49	1.488,18	2.406,67	340.806,38	41.886,38	59.193,62	101.080,00
43	340.806,38	914,50	1.492,17	2.406,67	339.314,21	42.800,87	60.685,79	103.486,67
44	339.314,21	910,49	1.496,17	2.406,67	337.818,03	43.711,37	62.181,97	105.893,33
45	337.818,03	906,48	1.500,19	2.406,67	336.317,85	44.617,85	63.682,15	108.300,00
46	336.317,85	902,45	1.504,21	2.406,67	334.813,63	45.520,30	65.186,37	110.706,67
47	334.813,63	898,42	1.508,25	2.406,67	333.305,38	46.418,72	66.694,62	113.113,33
48	333.305,38	894,37	1.512,30	2.406,67	331.793,09	47.313,09	68.206,91	115.520,00
49	331.793,09	890,31	1.516,36	2.406,67	330.276,73	48.203,40	69.723,27	117.926,67
50	330.276,73	886,24	1.520,42	2.406,67	328.756,31	49.089,64	71.243,69	120.333,33
51	328.756,31	882,16	1.524,50	2.406,67	327.231,80	49.971,80	72.768,20	122.740,00
52	327.231,80	878,07	1.528,59	2.406,67	325.703,21	50.849,87	74.296,79	125.146,67
53	325.703,21	873,97	1.532,70	2.406,67	324.170,51	51.723,84	75.829,49	127.553,33
54	324.170,51	869,86	1.536,81	2.406,67	322.633,70	52.593,70	77.366,30	129.960,00
55	322.633,70	865,73	1.540,93	2.406,67	321.092,77	53.459,44	78.907,23	132.366,67
56	321.092,77	861,60	1.545,07	2.406,67	319.547,70	54.321,03	80.452,30	134.773,33
57	319.547,70	857,45	1.549,21	2.406,67	317.998,49	55.178,49	82.001,51	137.180,00
58	317.998,49	853,30	1.553,37	2.406,67	316.445,12	56.031,78	83.554,88	139.586,67
59	316.445,12	849,13	1.557,54	2.406,67	314.887,58	56.880,91	85.112,42	141.993,33
60	314.887,58	844,95	1.561,72	2.406,67	313.325,86	57.725,86	86.674,14	144.400,00
61	313.325,86	840,76	1.565,91	2.406,67	311.759,95	58.566,62	88.240,05	146.806,67
62	311.759,95	836,56	1.570,11	2.406,67	310.189,84	59.403,17	89.810,16	149.213,33
63	310.189,84	832,34	1.574,32	2.406,67	308.615,52	60.235,52	91.384,48	151.620,00
64	308.615,52	828,12	1.578,55	2.406,67	307.036,97	61.063,63	92.963,03	154.026,67
65	307.036,97	823,88	1.582,78	2.406,67	305.454,18	61.887,52	94.545,82	156.433,33
66	305.454,18	819,64	1.587,03	2.406,67	303.867,15	62.707,15	96.132,85	158.840,00
67	303.867,15	815,38	1.591,29	2.406,67	302.275,86	63.522,53	97.724,14	161.246,67
68	302.275,86	811,11	1.595,56	2.406,67	300.680,30	64.333,64	99.319,70	163.653,33
69	300.680,30	806,83	1.599,84	2.406,67	299.080,46	65.140,46	100.919,54	166.060,00
70	299.080,46	802,53	1.604,13	2.406,67	297.476,33	65.942,99	102.523,67	168.466,67
71	297.476,33	798,23	1.608,44	2.406,67	295.867,89	66.741,22	104.132,11	170.873,33
72	295.867,89	793,91	1.612,75	2.406,67	294.255,13	67.535,13	105.744,87	173.280,00
73	294.255,13	789,58	1.617,08	2.406,67	292.638,05	68.324,72	107.361,95	175.686,67
74	292.638,05	785,25	1.621,42	2.406,67	291.016,63	69.109,96	108.983,37	178.093,33
75	291.016,63	780,89	1.625,77	2.406,67	289.390,86	69.890,86	110.609,14	180.500,00
76	289.390,86	776,53	1.630,13	2.406,67	287.760,72	70.667,39	112.239,28	182.906,67
77	287.760,72	772,16	1.634,51	2.406,67	286.126,22	71.439,55	113.873,78	185.313,33
78	286.126,22	767,77	1.638,89	2.406,67	284.487,32	72.207,32	115.512,68	187.720,00
79	284.487,32	763,37	1.643,29	2.406,67	282.844,03	72.970,70	117.155,97	190.126,67
80	282.844,03	758,96	1.647,70	2.406,67	281.196,33	73.729,66	118.803,67	192.533,33
81	281.196,33	754,54	1.652,12	2.406,67	279.544,20	74.484,20	120.455,80	194.940,00
82	279.544,20	750,11	1.656,56	2.406,67	277.887,65	75.234,31	122.112,35	197.346,67
83	277.887,65	745,67	1.661,00	2.406,67	276.226,65	75.979,98	123.773,35	199.753,33
84	276.226,65	741,21	1.665,46	2.406,67	274.561,19	76.721,19	125.438,81	202.160,00
85	274.561,19	736,74	1.669,93	2.406,67	272.891,26	77.457,93	127.108,74	204.566,67
86	272.891,26	732,26	1.674,41	2.406,67	271.216,85	78.190,18	128.783,15	206.973,33
87	271.216,85	727,77	1.678,90	2.406,67	269.537,95	78.917,95	130.462,05	209.380,00
88	269.537,95	723,26	1.683,41	2.406,67	267.854,54	79.641,21	132.145,46	211.786,67
89	267.854,54	718,74	1.687,92	2.406,67	266.166,62	80.359,95	133.833,38	214.193,33
90	266.166,62	714,21	1.692,45	2.406,67	264.474,17	81.074,17	135.525,83	216.600,00
91	264.474,17	709,67	1.696,99	2.406,67	262.777,17	81.783,84	137.222,83	219.006,67
92	262.777,17	705,12	1.701,55	2.406,67	261.075,62	82.488,96	138.924,38	221.413,33
93	261.075,62	700,55	1.706,11	2.406,67	259.369,51	83.189,51	140.630,49	223.820,00
94	259.369,51	695,97	1.710,69	2.406,67	257.658,82	83.885,49	142.341,18	226.226,67
95	257.658,82	691,38	1.715,28	2.406,67	255.943,54	84.576,87	144.056,46	228.633,33
96	255.943,54	686,78	1.719,88	2.406,67	254.223,65	85.263,65	145.776,35	231.040,00
97	254.223,65	682,17	1.724,50	2.406,67	252.499,15	85.945,82	147.500,85	233.446,67
98	252.499,15	677,54	1.729,13	2.406,67	250.770,02	86.623,36	149.229,98	235.853,33
99	250.770,02	672,90	1.733,77	2.406,67	249.036,26	87.296,26	150.963,74	238.260,00
100	249.036,26	668,25	1.738,42	2.406,67	247.297,84	87.964,51	152.702,16	240.666,67
101	247.297,84	663,58	1.743,08	2.406,67	245.554,75	88.628,09	154.445,25	243.073,33
102	245.554,75	658,91	1.747,76	2.406,67	243.806,99	89.286,99	156.193,01	245.480,00
103	243.806,99	654,22	1.752,45	2.406,67	242.054,54	89.941,21	157.945,46	247.886,67
104	242.054,54	649,51	1.757,15	2.406,67	240.297,39	90.590,72	159.702,61	250.293,33
105	240.297,39	644,80	1.761,87	2.406,67	238.535,52	91.235,52	161.464,48	252.700,00
106	238.535,52	640,07	1.766,60	2.406,67	236.768,92	91.875,59	163.231,08	255.106,67
107	236.768,92	635,33	1.771,34	2.406,67	234.997,59	92.510,92	165.002,41	257.513,33
108	234.997,59	630,58	1.776,09	2.406,67	233.221,50	93.141,50	166.778,50	259.920,00
109	233.221,50	625,81	1.780,86	2.406,67	231.440,64	93.767,31	168.559,36	262.326,67
110	231.440,64	621,03	1.785,63	2.406,67	229.655,01	94.388,34	170.344,99	264.733,33
111	229.655,01	616,24	1.790,43	2.406,67	227.864,58	95.004,58	172.135,42	267.140,00
112	227.864,58	611,44	1.795,23	2.406,67	226.069,35	95.616,02	173.930,65	269.546,67
113	226.069,35	606,62	1.800,05	2.406,67	224.269,30	96.222,64	175.730,70	271.953,33
114	224.269,30	601,79	1.804,88	2.406,67	222.464,43	96.824,43	177.535,57	274.360,00
115	222.464,43	596,95	1.809,72	2.406,67	220.654,71	97.421,37	179.345,29	276.766,67
116	220.654,71	592,09	1.814,58	2.406,67	218.840,13	98.013,46	181.159,87	279.173,33
117	218.840,13	587,22	1.819,45	2.406,67	217.020,68	98.600,68	182.979,32	281.580,00
118	217.020,68	582,34	1.824,33	2.406,67	215.196,36	99.183,02	184.803,64	283.986,67
119	215.196,36	577,44	1.829,22	2.406,67	213.367,13	99.760,47	186.632,87	286.393,33
120	213.367,13	572,54	1.834,13	2.406,67	211.533,00	100.333,00	188.467,00	288.800,00
121	211.533,00	567,61	1.839,05	2.406,67	209.693,95	100.900,61	190.306,05	291.206,67
122	209.693,95	562,68	1.843,99	2.406,67	207.849,96	101.463,29	192.150,04	293.613,33
123	207.849,96	557,73	1.848,94	2.406,67	206.001,02	102.021,02	193.998,98	296.020,00
124	206.001,02	552,77	1.853,90	2.406,67	204.147,13	102.573,79	195.852,87	298.426,67
125	204.147,13	547,79	1.858,87	2.406,67	202.288,26	103.121,59	197.711,74	300.833,33
126	202.288,26	542,81	1.863,86	2.406,67	200.424,40	103.664,40	199.575,60	303.240,00
127	200.424,40	537,81	1.868,86	2.406,67	198.555,53	104.202,20	201.444,47	305.646,67
128	198.555,53	532,79	1.873,88	2.406,67	196.681,66	104.734,99	203.318,34	308.053,33
129	196.681,66	527,76	1.878,90	2.406,67	194.802,75	105.262,75	205.197,25	310.460,00
130	194.802,75	522,72	1.883,95	2.406,67	192.918,81	105.785,47	207.081,19	312.866,67
131	192.918,81	517,67	1.889,00	2.406,67	191.029,81	106.303,14	208.970,19	315.273,33
132	191.029,81	512,60	1.894,07	2.406,67	189.135,74	106.815,74	210.864,26	317.680,00
133	189.135,74	507,51	1.899,15	2.406,67	187.236,58	107.323,25	212.763,42	320.086,67
134	187.236,58	502,42	1.904,25	2.406,67	185.332,34	107.825,67	214.667,66	322.493,33
135	185.332,34	497,31	1.909,36	2.406,67	183.422,98	108.322,98	216.577,02	324.900,00
136	183.422,98	492,18	1.914,48	2.406,67	181.508,50	108.815,16	218.491,50	327.306,67
137	181.508,50	487,05	1.919,62	2.406,67	179.588,88	109.302,21	220.411,12	329.713,33
138	179.588,88	481,90	1.924,77	2.406,67	177.664,11	109.784,11	222.335,89	332.120,00
139	177.664,11	476,73	1.929,93	2.406,67	175.734,17	110.260,84	224.265,83	334.526,67
140	175.734,17	471,55	1.935,11	2.406,67	173.799,06	110.732,39	226.200,94	336.933,33
141	173.799,06	466,36	1.940,31	2.406,67	171.858,75	111.198,75	228.141,25	339.340,00
142	171.858,75	461,15	1.945,51	2.406,67	169.913,24	111.659,91	230.086,76	341.746,67
143	169.913,24	455,93	1.950,73	2.406,67	167.962,51	112.115,84	232.037,49	344.153,33
144	167.962,51	450,70	1.955,97	2.406,67	166.006,54	112.566,54	233.993,46	346.560,00
145	166.006,54	445,45	1.961,22	2.406,67	164.045,33	113.011,99	235.954,67	348.966,67
146	164.045,33	440,19	1.966,48	2.406,67	162.078,85	113.452,18	237.921,15	351.373,33
147	162.078,85	434,91	1.971,76	2.406,67	160.107,09	113.887,09	239.892,91	353.780,00
148	160.107,09	429,62	1.977,05	2.406,67	158.130,05	114.316,71	241.869,95	356.186,67
149	158.130,05	424,32	1.982,35	2.406,67	156.147,69	114.741,03	243.852,31	358.593,33
150	156.147,69	419,00	1.987,67	2.406,67	154.160,02	115.160,02	245.839,98	361.000,00
151	154.160,02	413,66	1.993,00	2.406,67	152.167,02	115.573,69	247.832,98	363.406,67
152	152.167,02	408,31	1.998,35	2.406,67	150.168,67	115.982,00	249.831,33	365.813,33
153	150.168,67	402,95	2.003,71	2.406,67	148.164,95	116.384,95	251.835,05	368.220,00
154	148.164,95	397,58	2.009,09	2.406,67	146.155,86	116.782,53	253.844,14	370.626,67
155	146.155,86	392,18	2.014,48	2.406,67	144.141,38	117.174,72	255.858,62	373.033,33
156	144.141,38	386,78	2.019,89	2.406,67	142.121,49	117.561,49	257.878,51	375.440,00
157	142.121,49	381,36	2.025,31	2.406,67	140.096,19	117.942,85	259.903,81	377.846,67
158	140.096,19	375,92	2.030,74	2.406,67	138.065,45	118.318,78	261.934,55	380.253,33
159	138.065,45	370,48	2.036,19	2.406,67	136.029,25	118.689,25	263.970,75	382.660,00
160	136.029,25	365,01	2.041,65	2.406,67	133.987,60	119.054,27	266.012,40	385.066,67
161	133.987,60	359,53	2.047,13	2.406,67	131.940,47	119.413,80	268.059,53	387.473,33
162	131.940,47	354,04	2.052,63	2.406,67	129.887,84	119.767,84	270.112,16	389.880,00
163	129.887,84	348,53	2.058,13	2.406,67	127.829,71	120.116,37	272.170,29	392.286,67
164	127.829,71	343,01	2.063,66	2.406,67	125.766,05	120.459,38	274.233,95	394.693,33
165	125.766,05	337,47	2.069,19	2.406,67	123.696,85	120.796,85	276.303,15	397.100,00
166	123.696,85	331,92	2.074,75	2.406,67	121.622,11	121.128,77	278.377,89	399.506,67
167	121.622,11	326,35	2.080,31	2.406,67	119.541,79	121.455,13	280.458,21	401.913,33
168	119.541,79	320,77	2.085,90	2.406,67	117.455,90	121.775,90	282.544,10	404.320,00
169	117.455,90	315,17	2.091,49	2.406,67	115.364,40	122.091,07	284.635,60	406.726,67
170	115.364,40	309,56	2.097,11	2.406,67	113.267,30	122.400,63	286.732,70	409.133,33
171	113.267,30	303,93	2.102,73	2.406,67	111.164,57	122.704,57	288.835,43	411.540,00
172	111.164,57	298,29	2.108,38	2.406,67	109.056,19	123.002,86	290.943,81	413.946,67
173	109.056,19	292,63	2.114,03	2.406,67	106.942,16	123.295,49	293.057,84	416.353,33
174	106.942,16	286,96	2.119,71	2.406,67	104.822,45	123.582,45	295.177,55	418.760,00
175	104.822,45	281,27	2.125,39	2.406,67	102.697,06	123.863,73	297.302,94	421.166,67
176	102.697,06	275,57	2.131,10	2.406,67	100.565,96	124.139,30	299.434,04	423.573,33
177	100.565,96	269,85	2.136,81	2.406,67	98.429,15	124.409,15	301.570,85	425.980,00
178	98.429,15	264,12	2.142,55	2.406,67	96.286,60	124.673,27	303.713,40	428.386,67
179	96.286,60	258,37	2.148,30	2.406,67	94.138,30	124.931,64	305.861,70	430.793,33
180	94.138,30	252,60	2.154,06	2.406,67	91.984,24	125.184,24	308.015,76	433.200,00
181	91.984,24	246,82	2.159,84	2.406,67	89.824,40	125.431,06	310.175,60	435.606,67
182	89.824,40	241,03	2.165,64	2.406,67	87.658,76	125.672,09	312.341,24	438.013,33
183	87.658,76	235,22	2.171,45	2.406,67	85.487,31	125.907,31	314.512,69	440.420,00
184	85.487,31	229,39	2.177,28	2.406,67	83.310,04	126.136,70	316.689,96	442.826,67
185	83.310,04	223,55	2.183,12	2.406,67	81.126,92	126.360,25	318.873,08	445.233,33
186	81.126,92	217,69	2.188,98	2.406,67	78.937,94	126.577,94	321.062,06	447.640,00
187	78.937,94	211,82	2.194,85	2.406,67	76.743,09	126.789,76	323.256,91	450.046,67
188	76.743,09	205,93	2.200,74	2.406,67	74.542,35	126.995,69	325.457,65	452.453,33
189	74.542,35	200,02	2.206,64	2.406,67	72.335,71	127.195,71	327.664,29	454.860,00
190	72.335,71	194,10	2.212,57	2.406,67	70.123,14	127.389,81	329.876,86	457.266,67
191	70.123,14	188,16	2.218,50	2.406,67	67.904,64	127.577,97	332.095,36	459.673,33
192	67.904,64	182,21	2.224,46	2.406,67	65.680,18	127.760,18	334.319,82	462.080,00
193	65.680,18	176,24	2.230,42	2.406,67	63.449,76	127.936,42	336.550,24	464.486,67
194	63.449,76	170,26	2.236,41	2.406,67	61.213,35	128.106,68	338.786,65	466.893,33
195	61.213,35	164,26	2.242,41	2.406,67	58.970,94	128.270,94	341.029,06	469.300,00
196	58.970,94	158,24	2.248,43	2.406,67	56.722,51	128.429,18	343.277,49	471.706,67
197	56.722,51	152,21	2.254,46	2.406,67	54.468,05	128.581,38	345.531,95	474.113,33
198	54.468,05	146,16	2.260,51	2.406,67	52.207,54	128.727,54	347.792,46	476.520,00
199	52.207,54	140,09	2.266,58	2.406,67	49.940,96	128.867,63	350.059,04	478.926,67
200	49.940,96	134,01	2.272,66	2.406,67	47.668,30	129.001,64	352.331,70	481.333,33
201	47.668,30	127,91	2.278,76	2.406,67	45.389,55	129.129,55	354.610,45	483.740,00
202	45.389,55	121,80	2.284,87	2.406,67	43.104,67	129.251,34	356.895,33	486.146,67
203	43.104,67	115,66	2.291,00	2.406,67	40.813,67	129.367,01	359.186,33	488.553,33
204	40.813,67	109,52	2.297,15	2.406,67	38.516,52	129.476,52	361.483,48	490.960,00
205	38.516,52	103,35	2.303,31	2.406,67	36.213,21	129.579,87	363.786,79	493.366,67
206	36.213,21	97,17	2.309,49	2.406,67	33.903,71	129.677,05	366.096,29	495.773,33
207	33.903,71	90,97	2.315,69	2.406,67	31.588,02	129.768,02	368.411,98	498.180,00
208	31.588,02	84,76	2.321,91	2.406,67	29.266,12	129.852,78	370.733,88	500.586,67
209	29.266,12	78,53	2.328,14	2.406,67	26.937,98	129.931,31	373.062,02	502.993,33
210	26.937,98	72,28	2.334,38	2.406,67	24.603,60	130.003,60	375.396,40	505.400,00
211	24.603,60	66,02	2.340,65	2.406,67	22.262,95	130.069,62	377.737,05	507.806,67
212	22.262,95	59,74	2.346,93	2.406,67	19.916,02	130.129,36	380.083,98	510.213,33
213	19.916,02	53,44	2.353,23	2.406,67	17.562,80	130.182,80	382.437,20	512.620,00
214	17.562,80	47,13	2.359,54	2.406,67	15.203,26	130.229,92	384.796,74	515.026,67
215	15.203,26	40,80	2.365,87	2.406,67	12.837,39	130.270,72	387.162,61	517.433,33
216	12.837,39	34,45	2.372,22	2.406,67	10.465,17	130.305,17	389.534,83	519.840,00
217	10.465,17	28,08	2.378,59	2.406,67	8.086,58	130.333,25	391.913,42	522.246,67
218	8.086,58	21,70	2.384,97	2.406,67	5.701,61	130.354,95	394.298,39	524.653,33
219	5.701,61	15,30	2.391,37	2.406,67	3.310,25	130.370,25	396.689,75	527.060,00
220	3.310,25	8,88	2.397,78	2.406,67	912,46	130.379,13	399.087,54	529.466,67
221	912,46	2,45	912,46	912,46	912,46	130.381,58	400.000,00	530.381,58

CE-Baufinanz Baufinanzierung

3.73/5,00

136.004,74€
Zinsanteil

2.463,33€
Monatsrate

3,39%
Sollzins p.a.

3,46%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 350.000,00 €;Kreditrate: 1.531,00 €;Gesamtbetrag: 367.500,00 €;Anzahl Kreditraten: 180;Laufzeit: 358 Monate;Effektiver Jahreszins: 3,30 %;Gebundener Sollzins: 3,25 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.130,00	1.333,33	2.463,33	398.666,67	1.130,00	1.333,33	2.463,33
2	398.666,67	1.126,23	1.337,10	2.463,33	397.329,57	2.256,23	2.670,43	4.926,67
3	397.329,57	1.122,46	1.340,88	2.463,33	395.988,69	3.378,69	4.011,31	7.390,00
4	395.988,69	1.118,67	1.344,67	2.463,33	394.644,02	4.497,36	5.355,98	9.853,33
5	394.644,02	1.114,87	1.348,46	2.463,33	393.295,56	5.612,23	6.704,44	12.316,67
6	393.295,56	1.111,06	1.352,27	2.463,33	391.943,29	6.723,29	8.056,71	14.780,00
7	391.943,29	1.107,24	1.356,09	2.463,33	390.587,19	7.830,53	9.412,81	17.243,33
8	390.587,19	1.103,41	1.359,92	2.463,33	389.227,27	8.933,94	10.772,73	19.706,67
9	389.227,27	1.099,57	1.363,77	2.463,33	387.863,50	10.033,50	12.136,50	22.170,00
10	387.863,50	1.095,71	1.367,62	2.463,33	386.495,88	11.129,22	13.504,12	24.633,33
11	386.495,88	1.091,85	1.371,48	2.463,33	385.124,40	12.221,07	14.875,60	27.096,67
12	385.124,40	1.087,98	1.375,36	2.463,33	383.749,04	13.309,04	16.250,96	29.560,00
13	383.749,04	1.084,09	1.379,24	2.463,33	382.369,80	14.393,14	17.630,20	32.023,33
14	382.369,80	1.080,19	1.383,14	2.463,33	380.986,66	15.473,33	19.013,34	34.486,67
15	380.986,66	1.076,29	1.387,05	2.463,33	379.599,62	16.549,62	20.400,38	36.950,00
16	379.599,62	1.072,37	1.390,96	2.463,33	378.208,65	17.621,99	21.791,35	39.413,33
17	378.208,65	1.068,44	1.394,89	2.463,33	376.813,76	18.690,43	23.186,24	41.876,67
18	376.813,76	1.064,50	1.398,83	2.463,33	375.414,92	19.754,92	24.585,08	44.340,00
19	375.414,92	1.060,55	1.402,79	2.463,33	374.012,14	20.815,47	25.987,86	46.803,33
20	374.012,14	1.056,58	1.406,75	2.463,33	372.605,39	21.872,06	27.394,61	49.266,67
21	372.605,39	1.052,61	1.410,72	2.463,33	371.194,67	22.924,67	28.805,33	51.730,00
22	371.194,67	1.048,62	1.414,71	2.463,33	369.779,96	23.973,29	30.220,04	54.193,33
23	369.779,96	1.044,63	1.418,70	2.463,33	368.361,25	25.017,92	31.638,75	56.656,67
24	368.361,25	1.040,62	1.422,71	2.463,33	366.938,54	26.058,54	33.061,46	59.120,00
25	366.938,54	1.036,60	1.426,73	2.463,33	365.511,81	27.095,14	34.488,19	61.583,33
26	365.511,81	1.032,57	1.430,76	2.463,33	364.081,05	28.127,71	35.918,95	64.046,67
27	364.081,05	1.028,53	1.434,80	2.463,33	362.646,24	29.156,24	37.353,76	66.510,00
28	362.646,24	1.024,48	1.438,86	2.463,33	361.207,38	30.180,72	38.792,62	68.973,33
29	361.207,38	1.020,41	1.442,92	2.463,33	359.764,46	31.201,13	40.235,54	71.436,67
30	359.764,46	1.016,33	1.447,00	2.463,33	358.317,46	32.217,46	41.682,54	73.900,00
31	358.317,46	1.012,25	1.451,09	2.463,33	356.866,38	33.229,71	43.133,62	76.363,33
32	356.866,38	1.008,15	1.455,19	2.463,33	355.411,19	34.237,86	44.588,81	78.826,67
33	355.411,19	1.004,04	1.459,30	2.463,33	353.951,89	35.241,89	46.048,11	81.290,00
34	353.951,89	999,91	1.463,42	2.463,33	352.488,47	36.241,81	47.511,53	83.753,33
35	352.488,47	995,78	1.467,55	2.463,33	351.020,92	37.237,59	48.979,08	86.216,67
36	351.020,92	991,63	1.471,70	2.463,33	349.549,22	38.229,22	50.450,78	88.680,00
37	349.549,22	987,48	1.475,86	2.463,33	348.073,36	39.216,70	51.926,64	91.143,33
38	348.073,36	983,31	1.480,03	2.463,33	346.593,34	40.200,01	53.406,66	93.606,67
39	346.593,34	979,13	1.484,21	2.463,33	345.109,13	41.179,13	54.890,87	96.070,00
40	345.109,13	974,93	1.488,40	2.463,33	343.620,73	42.154,06	56.379,27	98.533,33
41	343.620,73	970,73	1.492,60	2.463,33	342.128,13	43.124,79	57.871,87	100.996,67
42	342.128,13	966,51	1.496,82	2.463,33	340.631,31	44.091,31	59.368,69	103.460,00
43	340.631,31	962,28	1.501,05	2.463,33	339.130,26	45.053,59	60.869,74	105.923,33
44	339.130,26	958,04	1.505,29	2.463,33	337.624,96	46.011,63	62.375,04	108.386,67
45	337.624,96	953,79	1.509,54	2.463,33	336.115,42	46.965,42	63.884,58	110.850,00
46	336.115,42	949,53	1.513,81	2.463,33	334.601,61	47.914,95	65.398,39	113.313,33
47	334.601,61	945,25	1.518,08	2.463,33	333.083,53	48.860,20	66.916,47	115.776,67
48	333.083,53	940,96	1.522,37	2.463,33	331.561,16	49.801,16	68.438,84	118.240,00
49	331.561,16	936,66	1.526,67	2.463,33	330.034,49	50.737,82	69.965,51	120.703,33
50	330.034,49	932,35	1.530,99	2.463,33	328.503,50	51.670,17	71.496,50	123.166,67
51	328.503,50	928,02	1.535,31	2.463,33	326.968,19	52.598,19	73.031,81	125.630,00
52	326.968,19	923,69	1.539,65	2.463,33	325.428,54	53.521,87	74.571,46	128.093,33
53	325.428,54	919,34	1.544,00	2.463,33	323.884,54	54.441,21	76.115,46	130.556,67
54	323.884,54	914,97	1.548,36	2.463,33	322.336,18	55.356,18	77.663,82	133.020,00
55	322.336,18	910,60	1.552,73	2.463,33	320.783,45	56.266,78	79.216,55	135.483,33
56	320.783,45	906,21	1.557,12	2.463,33	319.226,33	57.173,00	80.773,67	137.946,67
57	319.226,33	901,81	1.561,52	2.463,33	317.664,81	58.074,81	82.335,19	140.410,00
58	317.664,81	897,40	1.565,93	2.463,33	316.098,88	58.972,21	83.901,12	142.873,33
59	316.098,88	892,98	1.570,35	2.463,33	314.528,53	59.865,19	85.471,47	145.336,67
60	314.528,53	888,54	1.574,79	2.463,33	312.953,74	60.753,74	87.046,26	147.800,00
61	312.953,74	884,09	1.579,24	2.463,33	311.374,50	61.637,83	88.625,50	150.263,33
62	311.374,50	879,63	1.583,70	2.463,33	309.790,80	62.517,46	90.209,20	152.726,67
63	309.790,80	875,16	1.588,17	2.463,33	308.202,62	63.392,62	91.797,38	155.190,00
64	308.202,62	870,67	1.592,66	2.463,33	306.609,96	64.263,29	93.390,04	157.653,33
65	306.609,96	866,17	1.597,16	2.463,33	305.012,80	65.129,47	94.987,20	160.116,67
66	305.012,80	861,66	1.601,67	2.463,33	303.411,13	65.991,13	96.588,87	162.580,00
67	303.411,13	857,14	1.606,20	2.463,33	301.804,93	66.848,27	98.195,07	165.043,33
68	301.804,93	852,60	1.610,73	2.463,33	300.194,20	67.700,86	99.805,80	167.506,67
69	300.194,20	848,05	1.615,28	2.463,33	298.578,91	68.548,91	101.421,09	169.970,00
70	298.578,91	843,49	1.619,85	2.463,33	296.959,07	69.392,40	103.040,93	172.433,33
71	296.959,07	838,91	1.624,42	2.463,33	295.334,64	70.231,31	104.665,36	174.896,67
72	295.334,64	834,32	1.629,01	2.463,33	293.705,63	71.065,63	106.294,37	177.360,00
73	293.705,63	829,72	1.633,61	2.463,33	292.072,01	71.895,35	107.927,99	179.823,33
74	292.072,01	825,10	1.638,23	2.463,33	290.433,78	72.720,45	109.566,22	182.286,67
75	290.433,78	820,48	1.642,86	2.463,33	288.790,93	73.540,93	111.209,07	184.750,00
76	288.790,93	815,83	1.647,50	2.463,33	287.143,43	74.356,76	112.856,57	187.213,33
77	287.143,43	811,18	1.652,15	2.463,33	285.491,27	75.167,94	114.508,73	189.676,67
78	285.491,27	806,51	1.656,82	2.463,33	283.834,45	75.974,45	116.165,55	192.140,00
79	283.834,45	801,83	1.661,50	2.463,33	282.172,95	76.776,29	117.827,05	194.603,33
80	282.172,95	797,14	1.666,19	2.463,33	280.506,76	77.573,42	119.493,24	197.066,67
81	280.506,76	792,43	1.670,90	2.463,33	278.835,86	78.365,86	121.164,14	199.530,00
82	278.835,86	787,71	1.675,62	2.463,33	277.160,23	79.153,57	122.839,77	201.993,33
83	277.160,23	782,98	1.680,36	2.463,33	275.479,88	79.936,54	124.520,12	204.456,67
84	275.479,88	778,23	1.685,10	2.463,33	273.794,78	80.714,78	126.205,22	206.920,00
85	273.794,78	773,47	1.689,86	2.463,33	272.104,91	81.488,25	127.895,09	209.383,33
86	272.104,91	768,70	1.694,64	2.463,33	270.410,27	82.256,94	129.589,73	211.846,67
87	270.410,27	763,91	1.699,42	2.463,33	268.710,85	83.020,85	131.289,15	214.310,00
88	268.710,85	759,11	1.704,23	2.463,33	267.006,63	83.779,96	132.993,37	216.773,33
89	267.006,63	754,29	1.709,04	2.463,33	265.297,59	84.534,25	134.702,41	219.236,67
90	265.297,59	749,47	1.713,87	2.463,33	263.583,72	85.283,72	136.416,28	221.700,00
91	263.583,72	744,62	1.718,71	2.463,33	261.865,01	86.028,34	138.134,99	224.163,33
92	261.865,01	739,77	1.723,56	2.463,33	260.141,44	86.768,11	139.858,56	226.626,67
93	260.141,44	734,90	1.728,43	2.463,33	258.413,01	87.503,01	141.586,99	229.090,00
94	258.413,01	730,02	1.733,32	2.463,33	256.679,69	88.233,03	143.320,31	231.553,33
95	256.679,69	725,12	1.738,21	2.463,33	254.941,48	88.958,15	145.058,52	234.016,67
96	254.941,48	720,21	1.743,12	2.463,33	253.198,36	89.678,36	146.801,64	236.480,00
97	253.198,36	715,29	1.748,05	2.463,33	251.450,31	90.393,64	148.549,69	238.943,33
98	251.450,31	710,35	1.752,99	2.463,33	249.697,32	91.103,99	150.302,68	241.406,67
99	249.697,32	705,39	1.757,94	2.463,33	247.939,38	91.809,38	152.060,62	243.870,00
100	247.939,38	700,43	1.762,90	2.463,33	246.176,48	92.509,81	153.823,52	246.333,33
101	246.176,48	695,45	1.767,88	2.463,33	244.408,60	93.205,26	155.591,40	248.796,67
102	244.408,60	690,45	1.772,88	2.463,33	242.635,72	93.895,72	157.364,28	251.260,00
103	242.635,72	685,45	1.777,89	2.463,33	240.857,83	94.581,16	159.142,17	253.723,33
104	240.857,83	680,42	1.782,91	2.463,33	239.074,92	95.261,59	160.925,08	256.186,67
105	239.074,92	675,39	1.787,95	2.463,33	237.286,97	95.936,97	162.713,03	258.650,00
106	237.286,97	670,34	1.793,00	2.463,33	235.493,97	96.607,31	164.506,03	261.113,33
107	235.493,97	665,27	1.798,06	2.463,33	233.695,91	97.272,58	166.304,09	263.576,67
108	233.695,91	660,19	1.803,14	2.463,33	231.892,77	97.932,77	168.107,23	266.040,00
109	231.892,77	655,10	1.808,24	2.463,33	230.084,53	98.587,87	169.915,47	268.503,33
110	230.084,53	649,99	1.813,34	2.463,33	228.271,19	99.237,85	171.728,81	270.966,67
111	228.271,19	644,87	1.818,47	2.463,33	226.452,72	99.882,72	173.547,28	273.430,00
112	226.452,72	639,73	1.823,60	2.463,33	224.629,12	100.522,45	175.370,88	275.893,33
113	224.629,12	634,58	1.828,76	2.463,33	222.800,36	101.157,03	177.199,64	278.356,67
114	222.800,36	629,41	1.833,92	2.463,33	220.966,44	101.786,44	179.033,56	280.820,00
115	220.966,44	624,23	1.839,10	2.463,33	219.127,34	102.410,67	180.872,66	283.283,33
116	219.127,34	619,03	1.844,30	2.463,33	217.283,04	103.029,70	182.716,96	285.746,67
117	217.283,04	613,82	1.849,51	2.463,33	215.433,53	103.643,53	184.566,47	288.210,00
118	215.433,53	608,60	1.854,73	2.463,33	213.578,79	104.252,13	186.421,21	290.673,33
119	213.578,79	603,36	1.859,97	2.463,33	211.718,82	104.855,49	188.281,18	293.136,67
120	211.718,82	598,11	1.865,23	2.463,33	209.853,59	105.453,59	190.146,41	295.600,00
121	209.853,59	592,84	1.870,50	2.463,33	207.983,10	106.046,43	192.016,90	298.063,33
122	207.983,10	587,55	1.875,78	2.463,33	206.107,32	106.633,98	193.892,68	300.526,67
123	206.107,32	582,25	1.881,08	2.463,33	204.226,24	107.216,24	195.773,76	302.990,00
124	204.226,24	576,94	1.886,39	2.463,33	202.339,84	107.793,17	197.660,16	305.453,33
125	202.339,84	571,61	1.891,72	2.463,33	200.448,12	108.364,78	199.551,88	307.916,67
126	200.448,12	566,27	1.897,07	2.463,33	198.551,05	108.931,05	201.448,95	310.380,00
127	198.551,05	560,91	1.902,43	2.463,33	196.648,62	109.491,96	203.351,38	312.843,33
128	196.648,62	555,53	1.907,80	2.463,33	194.740,82	110.047,49	205.259,18	315.306,67
129	194.740,82	550,14	1.913,19	2.463,33	192.827,63	110.597,63	207.172,37	317.770,00
130	192.827,63	544,74	1.918,60	2.463,33	190.909,04	111.142,37	209.090,96	320.233,33
131	190.909,04	539,32	1.924,02	2.463,33	188.985,02	111.681,69	211.014,98	322.696,67
132	188.985,02	533,88	1.929,45	2.463,33	187.055,57	112.215,57	212.944,43	325.160,00
133	187.055,57	528,43	1.934,90	2.463,33	185.120,67	112.744,00	214.879,33	327.623,33
134	185.120,67	522,97	1.940,37	2.463,33	183.180,30	113.266,97	216.819,70	330.086,67
135	183.180,30	517,48	1.945,85	2.463,33	181.234,45	113.784,45	218.765,55	332.550,00
136	181.234,45	511,99	1.951,35	2.463,33	179.283,11	114.296,44	220.716,89	335.013,33
137	179.283,11	506,47	1.956,86	2.463,33	177.326,25	114.802,92	222.673,75	337.476,67
138	177.326,25	500,95	1.962,39	2.463,33	175.363,86	115.303,86	224.636,14	339.940,00
139	175.363,86	495,40	1.967,93	2.463,33	173.395,93	115.799,26	226.604,07	342.403,33
140	173.395,93	489,84	1.973,49	2.463,33	171.422,44	116.289,11	228.577,56	344.866,67
141	171.422,44	484,27	1.979,06	2.463,33	169.443,38	116.773,38	230.556,62	347.330,00
142	169.443,38	478,68	1.984,66	2.463,33	167.458,72	117.252,05	232.541,28	349.793,33
143	167.458,72	473,07	1.990,26	2.463,33	165.468,46	117.725,13	234.531,54	352.256,67
144	165.468,46	467,45	1.995,88	2.463,33	163.472,57	118.192,57	236.527,43	354.720,00
145	163.472,57	461,81	2.001,52	2.463,33	161.471,05	118.654,38	238.528,95	357.183,33
146	161.471,05	456,16	2.007,18	2.463,33	159.463,87	119.110,54	240.536,13	359.646,67
147	159.463,87	450,49	2.012,85	2.463,33	157.451,02	119.561,02	242.548,98	362.110,00
148	157.451,02	444,80	2.018,53	2.463,33	155.432,49	120.005,82	244.567,51	364.573,33
149	155.432,49	439,10	2.024,24	2.463,33	153.408,25	120.444,92	246.591,75	367.036,67
150	153.408,25	433,38	2.029,96	2.463,33	151.378,30	120.878,30	248.621,70	369.500,00
151	151.378,30	427,64	2.035,69	2.463,33	149.342,61	121.305,94	250.657,39	371.963,33
152	149.342,61	421,89	2.041,44	2.463,33	147.301,17	121.727,84	252.698,83	374.426,67
153	147.301,17	416,13	2.047,21	2.463,33	145.253,96	122.143,96	254.746,04	376.890,00
154	145.253,96	410,34	2.052,99	2.463,33	143.200,97	122.554,30	256.799,03	379.353,33
155	143.200,97	404,54	2.058,79	2.463,33	141.142,18	122.958,85	258.857,82	381.816,67
156	141.142,18	398,73	2.064,61	2.463,33	139.077,57	123.357,57	260.922,43	384.280,00
157	139.077,57	392,89	2.070,44	2.463,33	137.007,13	123.750,47	262.992,87	386.743,33
158	137.007,13	387,05	2.076,29	2.463,33	134.930,85	124.137,51	265.069,15	389.206,67
159	134.930,85	381,18	2.082,15	2.463,33	132.848,69	124.518,69	267.151,31	391.670,00
160	132.848,69	375,30	2.088,04	2.463,33	130.760,66	124.893,99	269.239,34	394.133,33
161	130.760,66	369,40	2.093,93	2.463,33	128.666,72	125.263,39	271.333,28	396.596,67
162	128.666,72	363,48	2.099,85	2.463,33	126.566,87	125.626,87	273.433,13	399.060,00
163	126.566,87	357,55	2.105,78	2.463,33	124.461,09	125.984,42	275.538,91	401.523,33
164	124.461,09	351,60	2.111,73	2.463,33	122.349,36	126.336,03	277.650,64	403.986,67
165	122.349,36	345,64	2.117,70	2.463,33	120.231,66	126.681,66	279.768,34	406.450,00
166	120.231,66	339,65	2.123,68	2.463,33	118.107,98	127.021,32	281.892,02	408.913,33
167	118.107,98	333,66	2.129,68	2.463,33	115.978,31	127.354,97	284.021,69	411.376,67
168	115.978,31	327,64	2.135,69	2.463,33	113.842,61	127.682,61	286.157,39	413.840,00
169	113.842,61	321,61	2.141,73	2.463,33	111.700,88	128.004,22	288.299,12	416.303,33
170	111.700,88	315,55	2.147,78	2.463,33	109.553,10	128.319,77	290.446,90	418.766,67
171	109.553,10	309,49	2.153,85	2.463,33	107.399,26	128.629,26	292.600,74	421.230,00
172	107.399,26	303,40	2.159,93	2.463,33	105.239,33	128.932,66	294.760,67	423.693,33
173	105.239,33	297,30	2.166,03	2.463,33	103.073,30	129.229,96	296.926,70	426.156,67
174	103.073,30	291,18	2.172,15	2.463,33	100.901,15	129.521,15	299.098,85	428.620,00
175	100.901,15	285,05	2.178,29	2.463,33	98.722,86	129.806,19	301.277,14	431.083,33
176	98.722,86	278,89	2.184,44	2.463,33	96.538,42	130.085,08	303.461,58	433.546,67
177	96.538,42	272,72	2.190,61	2.463,33	94.347,80	130.357,80	305.652,20	436.010,00
178	94.347,80	266,53	2.196,80	2.463,33	92.151,00	130.624,34	307.849,00	438.473,33
179	92.151,00	260,33	2.203,01	2.463,33	89.948,00	130.884,66	310.052,00	440.936,67
180	89.948,00	254,10	2.209,23	2.463,33	87.738,77	131.138,77	312.261,23	443.400,00
181	87.738,77	247,86	2.215,47	2.463,33	85.523,29	131.386,63	314.476,71	445.863,33
182	85.523,29	241,60	2.221,73	2.463,33	83.301,56	131.628,23	316.698,44	448.326,67
183	83.301,56	235,33	2.228,01	2.463,33	81.073,56	131.863,56	318.926,44	450.790,00
184	81.073,56	229,03	2.234,30	2.463,33	78.839,26	132.092,59	321.160,74	453.253,33
185	78.839,26	222,72	2.240,61	2.463,33	76.598,65	132.315,31	323.401,35	455.716,67
186	76.598,65	216,39	2.246,94	2.463,33	74.351,70	132.531,70	325.648,30	458.180,00
187	74.351,70	210,04	2.253,29	2.463,33	72.098,41	132.741,75	327.901,59	460.643,33
188	72.098,41	203,68	2.259,66	2.463,33	69.838,76	132.945,42	330.161,24	463.106,67
189	69.838,76	197,29	2.266,04	2.463,33	67.572,72	133.142,72	332.427,28	465.570,00
190	67.572,72	190,89	2.272,44	2.463,33	65.300,28	133.333,61	334.699,72	468.033,33
191	65.300,28	184,47	2.278,86	2.463,33	63.021,42	133.518,09	336.978,58	470.496,67
192	63.021,42	178,04	2.285,30	2.463,33	60.736,12	133.696,12	339.263,88	472.960,00
193	60.736,12	171,58	2.291,75	2.463,33	58.444,37	133.867,70	341.555,63	475.423,33
194	58.444,37	165,11	2.298,23	2.463,33	56.146,14	134.032,81	343.853,86	477.886,67
195	56.146,14	158,61	2.304,72	2.463,33	53.841,42	134.191,42	346.158,58	480.350,00
196	53.841,42	152,10	2.311,23	2.463,33	51.530,19	134.343,52	348.469,81	482.813,33
197	51.530,19	145,57	2.317,76	2.463,33	49.212,43	134.489,09	350.787,57	485.276,67
198	49.212,43	139,03	2.324,31	2.463,33	46.888,12	134.628,12	353.111,88	487.740,00
199	46.888,12	132,46	2.330,87	2.463,33	44.557,24	134.760,58	355.442,76	490.203,33
200	44.557,24	125,87	2.337,46	2.463,33	42.219,79	134.886,45	357.780,21	492.666,67
201	42.219,79	119,27	2.344,06	2.463,33	39.875,72	135.005,72	360.124,28	495.130,00
202	39.875,72	112,65	2.350,68	2.463,33	37.525,04	135.118,37	362.474,96	497.593,33
203	37.525,04	106,01	2.357,33	2.463,33	35.167,71	135.224,38	364.832,29	500.056,67
204	35.167,71	99,35	2.363,98	2.463,33	32.803,73	135.323,73	367.196,27	502.520,00
205	32.803,73	92,67	2.370,66	2.463,33	30.433,07	135.416,40	369.566,93	504.983,33
206	30.433,07	85,97	2.377,36	2.463,33	28.055,71	135.502,37	371.944,29	507.446,67
207	28.055,71	79,26	2.384,08	2.463,33	25.671,63	135.581,63	374.328,37	509.910,00
208	25.671,63	72,52	2.390,81	2.463,33	23.280,82	135.654,15	376.719,18	512.373,33
209	23.280,82	65,77	2.397,57	2.463,33	20.883,25	135.719,92	379.116,75	514.836,67
210	20.883,25	59,00	2.404,34	2.463,33	18.478,92	135.778,92	381.521,08	517.300,00
211	18.478,92	52,20	2.411,13	2.463,33	16.067,79	135.831,12	383.932,21	519.763,33
212	16.067,79	45,39	2.417,94	2.463,33	13.649,84	135.876,51	386.350,16	522.226,67
213	13.649,84	38,56	2.424,77	2.463,33	11.225,07	135.915,07	388.774,93	524.690,00
214	11.225,07	31,71	2.431,62	2.463,33	8.793,45	135.946,78	391.206,55	527.153,33
215	8.793,45	24,84	2.438,49	2.463,33	6.354,96	135.971,62	393.645,04	529.616,67
216	6.354,96	17,95	2.445,38	2.463,33	3.909,58	135.989,58	396.090,42	532.080,00
217	3.909,58	11,04	2.452,29	2.463,33	1.457,29	136.000,62	398.542,71	534.543,33
218	1.457,29	4,12	1.457,29	1.457,29	1.457,29	136.004,74	400.000,00	536.004,74

DTW Baufinanzierung

4.12/5,00

Testsieger

136.332,61€
Zinsanteil

2.466,67€
Monatsrate

3,40%
Sollzins p.a.

3,45%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 200.000,00 €;Kreditrate: 839,00 €;Gesamtbetrag: 151.020,00 €;Anzahl Kreditraten: 180;Laufzeit: 366 Monate;Effektiver Jahreszins: 3,07 %;Gebundener Sollzins: 3,03 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.133,33	1.333,33	2.466,67	398.666,67	1.133,33	1.333,33	2.466,67
2	398.666,67	1.129,56	1.337,11	2.466,67	397.329,56	2.262,89	2.670,44	4.933,33
3	397.329,56	1.125,77	1.340,90	2.466,67	395.988,66	3.388,66	4.011,34	7.400,00
4	395.988,66	1.121,97	1.344,70	2.466,67	394.643,96	4.510,62	5.356,04	9.866,67
5	394.643,96	1.118,16	1.348,51	2.466,67	393.295,45	5.628,78	6.704,55	12.333,33
6	393.295,45	1.114,34	1.352,33	2.466,67	391.943,12	6.743,12	8.056,88	14.800,00
7	391.943,12	1.110,51	1.356,16	2.466,67	390.586,96	7.853,62	9.413,04	17.266,67
8	390.586,96	1.106,66	1.360,00	2.466,67	389.226,95	8.960,29	10.773,05	19.733,33
9	389.226,95	1.102,81	1.363,86	2.466,67	387.863,10	10.063,10	12.136,90	22.200,00
10	387.863,10	1.098,95	1.367,72	2.466,67	386.495,38	11.162,04	13.504,62	24.666,67
11	386.495,38	1.095,07	1.371,60	2.466,67	385.123,78	12.257,11	14.876,22	27.133,33
12	385.123,78	1.091,18	1.375,48	2.466,67	383.748,30	13.348,30	16.251,70	29.600,00
13	383.748,30	1.087,29	1.379,38	2.466,67	382.368,92	14.435,58	17.631,08	32.066,67
14	382.368,92	1.083,38	1.383,29	2.466,67	380.985,63	15.518,96	19.014,37	34.533,33
15	380.985,63	1.079,46	1.387,21	2.466,67	379.598,42	16.598,42	20.401,58	37.000,00
16	379.598,42	1.075,53	1.391,14	2.466,67	378.207,28	17.673,95	21.792,72	39.466,67
17	378.207,28	1.071,59	1.395,08	2.466,67	376.812,20	18.745,54	23.187,80	41.933,33
18	376.812,20	1.067,63	1.399,03	2.466,67	375.413,17	19.813,17	24.586,83	44.400,00
19	375.413,17	1.063,67	1.403,00	2.466,67	374.010,18	20.876,84	25.989,82	46.866,67
20	374.010,18	1.059,70	1.406,97	2.466,67	372.603,21	21.936,54	27.396,79	49.333,33
21	372.603,21	1.055,71	1.410,96	2.466,67	371.192,25	22.992,25	28.807,75	51.800,00
22	371.192,25	1.051,71	1.414,96	2.466,67	369.777,29	24.043,96	30.222,71	54.266,67
23	369.777,29	1.047,70	1.418,96	2.466,67	368.358,33	25.091,66	31.641,67	56.733,33
24	368.358,33	1.043,68	1.422,98	2.466,67	366.935,34	26.135,34	33.064,66	59.200,00
25	366.935,34	1.039,65	1.427,02	2.466,67	365.508,33	27.174,99	34.491,67	61.666,67
26	365.508,33	1.035,61	1.431,06	2.466,67	364.077,27	28.210,60	35.922,73	64.133,33
27	364.077,27	1.031,55	1.435,11	2.466,67	362.642,15	29.242,15	37.357,85	66.600,00
28	362.642,15	1.027,49	1.439,18	2.466,67	361.202,97	30.269,64	38.797,03	69.066,67
29	361.202,97	1.023,41	1.443,26	2.466,67	359.759,71	31.293,05	40.240,29	71.533,33
30	359.759,71	1.019,32	1.447,35	2.466,67	358.312,37	32.312,37	41.687,63	74.000,00
31	358.312,37	1.015,22	1.451,45	2.466,67	356.860,92	33.327,58	43.139,08	76.466,67
32	356.860,92	1.011,11	1.455,56	2.466,67	355.405,36	34.338,69	44.594,64	78.933,33
33	355.405,36	1.006,98	1.459,68	2.466,67	353.945,67	35.345,67	46.054,33	81.400,00
34	353.945,67	1.002,85	1.463,82	2.466,67	352.481,85	36.348,52	47.518,15	83.866,67
35	352.481,85	998,70	1.467,97	2.466,67	351.013,88	37.347,22	48.986,12	86.333,33
36	351.013,88	994,54	1.472,13	2.466,67	349.541,76	38.341,76	50.458,24	88.800,00
37	349.541,76	990,37	1.476,30	2.466,67	348.065,46	39.332,12	51.934,54	91.266,67
38	348.065,46	986,19	1.480,48	2.466,67	346.584,98	40.318,31	53.415,02	93.733,33
39	346.584,98	981,99	1.484,68	2.466,67	345.100,30	41.300,30	54.899,70	96.200,00
40	345.100,30	977,78	1.488,88	2.466,67	343.611,42	42.278,08	56.388,58	98.666,67
41	343.611,42	973,57	1.493,10	2.466,67	342.118,32	43.251,65	57.881,68	101.133,33
42	342.118,32	969,34	1.497,33	2.466,67	340.620,99	44.220,99	59.379,01	103.600,00
43	340.620,99	965,09	1.501,57	2.466,67	339.119,41	45.186,08	60.880,59	106.066,67
44	339.119,41	960,84	1.505,83	2.466,67	337.613,58	46.146,92	62.386,42	108.533,33
45	337.613,58	956,57	1.510,09	2.466,67	336.103,49	47.103,49	63.896,51	111.000,00
46	336.103,49	952,29	1.514,37	2.466,67	334.589,12	48.055,78	65.410,88	113.466,67
47	334.589,12	948,00	1.518,66	2.466,67	333.070,45	49.003,78	66.929,55	115.933,33
48	333.070,45	943,70	1.522,97	2.466,67	331.547,48	49.947,48	68.452,52	118.400,00
49	331.547,48	939,38	1.527,28	2.466,67	330.020,20	50.886,87	69.979,80	120.866,67
50	330.020,20	935,06	1.531,61	2.466,67	328.488,59	51.821,93	71.511,41	123.333,33
51	328.488,59	930,72	1.535,95	2.466,67	326.952,64	52.752,64	73.047,36	125.800,00
52	326.952,64	926,37	1.540,30	2.466,67	325.412,34	53.679,01	74.587,66	128.266,67
53	325.412,34	922,00	1.544,67	2.466,67	323.867,68	54.601,01	76.132,32	130.733,33
54	323.867,68	917,63	1.549,04	2.466,67	322.318,64	55.518,64	77.681,36	133.200,00
55	322.318,64	913,24	1.553,43	2.466,67	320.765,21	56.431,87	79.234,79	135.666,67
56	320.765,21	908,83	1.557,83	2.466,67	319.207,37	57.340,71	80.792,63	138.133,33
57	319.207,37	904,42	1.562,25	2.466,67	317.645,13	58.245,13	82.354,87	140.600,00
58	317.645,13	899,99	1.566,67	2.466,67	316.078,46	59.145,12	83.921,54	143.066,67
59	316.078,46	895,56	1.571,11	2.466,67	314.507,34	60.040,68	85.492,66	145.533,33
60	314.507,34	891,10	1.575,56	2.466,67	312.931,78	60.931,78	87.068,22	148.000,00
61	312.931,78	886,64	1.580,03	2.466,67	311.351,76	61.818,42	88.648,24	150.466,67
62	311.351,76	882,16	1.584,50	2.466,67	309.767,25	62.700,59	90.232,75	152.933,33
63	309.767,25	877,67	1.588,99	2.466,67	308.178,26	63.578,26	91.821,74	155.400,00
64	308.178,26	873,17	1.593,49	2.466,67	306.584,76	64.451,43	93.415,24	157.866,67
65	306.584,76	868,66	1.598,01	2.466,67	304.986,75	65.320,09	95.013,25	160.333,33
66	304.986,75	864,13	1.602,54	2.466,67	303.384,22	66.184,22	96.615,78	162.800,00
67	303.384,22	859,59	1.607,08	2.466,67	301.777,14	67.043,81	98.222,86	165.266,67
68	301.777,14	855,04	1.611,63	2.466,67	300.165,51	67.898,84	99.834,49	167.733,33
69	300.165,51	850,47	1.616,20	2.466,67	298.549,31	68.749,31	101.450,69	170.200,00
70	298.549,31	845,89	1.620,78	2.466,67	296.928,53	69.595,20	103.071,47	172.666,67
71	296.928,53	841,30	1.625,37	2.466,67	295.303,16	70.436,50	104.696,84	175.133,33
72	295.303,16	836,69	1.629,97	2.466,67	293.673,19	71.273,19	106.326,81	177.600,00
73	293.673,19	832,07	1.634,59	2.466,67	292.038,60	72.105,26	107.961,40	180.066,67
74	292.038,60	827,44	1.639,22	2.466,67	290.399,37	72.932,71	109.600,63	182.533,33
75	290.399,37	822,80	1.643,87	2.466,67	288.755,50	73.755,50	111.244,50	185.000,00
76	288.755,50	818,14	1.648,53	2.466,67	287.106,98	74.573,65	112.893,02	187.466,67
77	287.106,98	813,47	1.653,20	2.466,67	285.453,78	75.387,11	114.546,22	189.933,33
78	285.453,78	808,79	1.657,88	2.466,67	283.795,90	76.195,90	116.204,10	192.400,00
79	283.795,90	804,09	1.662,58	2.466,67	282.133,32	76.999,99	117.866,68	194.866,67
80	282.133,32	799,38	1.667,29	2.466,67	280.466,03	77.799,37	119.533,97	197.333,33
81	280.466,03	794,65	1.672,01	2.466,67	278.794,02	78.594,02	121.205,98	199.800,00
82	278.794,02	789,92	1.676,75	2.466,67	277.117,27	79.383,94	122.882,73	202.266,67
83	277.117,27	785,17	1.681,50	2.466,67	275.435,77	80.169,10	124.564,23	204.733,33
84	275.435,77	780,40	1.686,27	2.466,67	273.749,50	80.949,50	126.250,50	207.200,00
85	273.749,50	775,62	1.691,04	2.466,67	272.058,46	81.725,13	127.941,54	209.666,67
86	272.058,46	770,83	1.695,83	2.466,67	270.362,63	82.495,96	129.637,37	212.133,33
87	270.362,63	766,03	1.700,64	2.466,67	268.661,99	83.261,99	131.338,01	214.600,00
88	268.661,99	761,21	1.705,46	2.466,67	266.956,53	84.023,20	133.043,47	217.066,67
89	266.956,53	756,38	1.710,29	2.466,67	265.246,24	84.779,57	134.753,76	219.533,33
90	265.246,24	751,53	1.715,14	2.466,67	263.531,10	85.531,10	136.468,90	222.000,00
91	263.531,10	746,67	1.720,00	2.466,67	261.811,11	86.277,78	138.188,89	224.466,67
92	261.811,11	741,80	1.724,87	2.466,67	260.086,24	87.019,57	139.913,76	226.933,33
93	260.086,24	736,91	1.729,76	2.466,67	258.356,48	87.756,48	141.643,52	229.400,00
94	258.356,48	732,01	1.734,66	2.466,67	256.621,83	88.488,49	143.378,17	231.866,67
95	256.621,83	727,10	1.739,57	2.466,67	254.882,26	89.215,59	145.117,74	234.333,33
96	254.882,26	722,17	1.744,50	2.466,67	253.137,76	89.937,76	146.862,24	236.800,00
97	253.137,76	717,22	1.749,44	2.466,67	251.388,31	90.654,98	148.611,69	239.266,67
98	251.388,31	712,27	1.754,40	2.466,67	249.633,91	91.367,25	150.366,09	241.733,33
99	249.633,91	707,30	1.759,37	2.466,67	247.874,54	92.074,54	152.125,46	244.200,00
100	247.874,54	702,31	1.764,36	2.466,67	246.110,19	92.776,85	153.889,81	246.666,67
101	246.110,19	697,31	1.769,35	2.466,67	244.340,83	93.474,17	155.659,17	249.133,33
102	244.340,83	692,30	1.774,37	2.466,67	242.566,47	94.166,47	157.433,53	251.600,00
103	242.566,47	687,27	1.779,40	2.466,67	240.787,07	94.853,74	159.212,93	254.066,67
104	240.787,07	682,23	1.784,44	2.466,67	239.002,63	95.535,97	160.997,37	256.533,33
105	239.002,63	677,17	1.789,49	2.466,67	237.213,14	96.213,14	162.786,86	259.000,00
106	237.213,14	672,10	1.794,56	2.466,67	235.418,58	96.885,24	164.581,42	261.466,67
107	235.418,58	667,02	1.799,65	2.466,67	233.618,93	97.552,26	166.381,07	263.933,33
108	233.618,93	661,92	1.804,75	2.466,67	231.814,18	98.214,18	168.185,82	266.400,00
109	231.814,18	656,81	1.809,86	2.466,67	230.004,32	98.870,99	169.995,68	268.866,67
110	230.004,32	651,68	1.814,99	2.466,67	228.189,34	99.522,67	171.810,66	271.333,33
111	228.189,34	646,54	1.820,13	2.466,67	226.369,21	100.169,21	173.630,79	273.800,00
112	226.369,21	641,38	1.825,29	2.466,67	224.543,92	100.810,59	175.456,08	276.266,67
113	224.543,92	636,21	1.830,46	2.466,67	222.713,46	101.446,79	177.286,54	278.733,33
114	222.713,46	631,02	1.835,65	2.466,67	220.877,82	102.077,82	179.122,18	281.200,00
115	220.877,82	625,82	1.840,85	2.466,67	219.036,97	102.703,64	180.963,03	283.666,67
116	219.036,97	620,60	1.846,06	2.466,67	217.190,91	103.324,24	182.809,09	286.133,33
117	217.190,91	615,37	1.851,29	2.466,67	215.339,61	103.939,61	184.660,39	288.600,00
118	215.339,61	610,13	1.856,54	2.466,67	213.483,08	104.549,74	186.516,92	291.066,67
119	213.483,08	604,87	1.861,80	2.466,67	211.621,28	105.154,61	188.378,72	293.533,33
120	211.621,28	599,59	1.867,07	2.466,67	209.754,21	105.754,21	190.245,79	296.000,00
121	209.754,21	594,30	1.872,36	2.466,67	207.881,84	106.348,51	192.118,16	298.466,67
122	207.881,84	589,00	1.877,67	2.466,67	206.004,17	106.937,51	193.995,83	300.933,33
123	206.004,17	583,68	1.882,99	2.466,67	204.121,19	107.521,19	195.878,81	303.400,00
124	204.121,19	578,34	1.888,32	2.466,67	202.232,86	108.099,53	197.767,14	305.866,67
125	202.232,86	572,99	1.893,67	2.466,67	200.339,19	108.672,52	199.660,81	308.333,33
126	200.339,19	567,63	1.899,04	2.466,67	198.440,15	109.240,15	201.559,85	310.800,00
127	198.440,15	562,25	1.904,42	2.466,67	196.535,73	109.802,40	203.464,27	313.266,67
128	196.535,73	556,85	1.909,82	2.466,67	194.625,92	110.359,25	205.374,08	315.733,33
129	194.625,92	551,44	1.915,23	2.466,67	192.710,69	110.910,69	207.289,31	318.200,00
130	192.710,69	546,01	1.920,65	2.466,67	190.790,04	111.456,70	209.209,96	320.666,67
131	190.790,04	540,57	1.926,09	2.466,67	188.863,94	111.997,27	211.136,06	323.133,33
132	188.863,94	535,11	1.931,55	2.466,67	186.932,39	112.532,39	213.067,61	325.600,00
133	186.932,39	529,64	1.937,02	2.466,67	184.995,36	113.062,03	215.004,64	328.066,67
134	184.995,36	524,15	1.942,51	2.466,67	183.052,85	113.586,18	216.947,15	330.533,33
135	183.052,85	518,65	1.948,02	2.466,67	181.104,83	114.104,83	218.895,17	333.000,00
136	181.104,83	513,13	1.953,54	2.466,67	179.151,30	114.617,96	220.848,70	335.466,67
137	179.151,30	507,60	1.959,07	2.466,67	177.192,23	115.125,56	222.807,77	337.933,33
138	177.192,23	502,04	1.964,62	2.466,67	175.227,60	115.627,60	224.772,40	340.400,00
139	175.227,60	496,48	1.970,19	2.466,67	173.257,42	116.124,08	226.742,58	342.866,67
140	173.257,42	490,90	1.975,77	2.466,67	171.281,65	116.614,98	228.718,35	345.333,33
141	171.281,65	485,30	1.981,37	2.466,67	169.300,28	117.100,28	230.699,72	347.800,00
142	169.300,28	479,68	1.986,98	2.466,67	167.313,29	117.579,96	232.686,71	350.266,67
143	167.313,29	474,05	1.992,61	2.466,67	165.320,68	118.054,02	234.679,32	352.733,33
144	165.320,68	468,41	1.998,26	2.466,67	163.322,42	118.522,42	236.677,58	355.200,00
145	163.322,42	462,75	2.003,92	2.466,67	161.318,50	118.985,17	238.681,50	357.666,67
146	161.318,50	457,07	2.009,60	2.466,67	159.308,91	119.442,24	240.691,09	360.133,33
147	159.308,91	451,38	2.015,29	2.466,67	157.293,62	119.893,62	242.706,38	362.600,00
148	157.293,62	445,67	2.021,00	2.466,67	155.272,61	120.339,28	244.727,39	365.066,67
149	155.272,61	439,94	2.026,73	2.466,67	153.245,89	120.779,22	246.754,11	367.533,33
150	153.245,89	434,20	2.032,47	2.466,67	151.213,42	121.213,42	248.786,58	370.000,00
151	151.213,42	428,44	2.038,23	2.466,67	149.175,19	121.641,85	250.824,81	372.466,67
152	149.175,19	422,66	2.044,00	2.466,67	147.131,18	122.064,52	252.868,82	374.933,33
153	147.131,18	416,87	2.049,79	2.466,67	145.081,39	122.481,39	254.918,61	377.400,00
154	145.081,39	411,06	2.055,60	2.466,67	143.025,79	122.892,45	256.974,21	379.866,67
155	143.025,79	405,24	2.061,43	2.466,67	140.964,36	123.297,69	259.035,64	382.333,33
156	140.964,36	399,40	2.067,27	2.466,67	138.897,09	123.697,09	261.102,91	384.800,00
157	138.897,09	393,54	2.073,12	2.466,67	136.823,97	124.090,63	263.176,03	387.266,67
158	136.823,97	387,67	2.079,00	2.466,67	134.744,97	124.478,30	265.255,03	389.733,33
159	134.744,97	381,78	2.084,89	2.466,67	132.660,08	124.860,08	267.339,92	392.200,00
160	132.660,08	375,87	2.090,80	2.466,67	130.569,28	125.235,95	269.430,72	394.666,67
161	130.569,28	369,95	2.096,72	2.466,67	128.472,56	125.605,90	271.527,44	397.133,33
162	128.472,56	364,01	2.102,66	2.466,67	126.369,90	125.969,90	273.630,10	399.600,00
163	126.369,90	358,05	2.108,62	2.466,67	124.261,28	126.327,95	275.738,72	402.066,67
164	124.261,28	352,07	2.114,59	2.466,67	122.146,69	126.680,02	277.853,31	404.533,33
165	122.146,69	346,08	2.120,58	2.466,67	120.026,10	127.026,10	279.973,90	407.000,00
166	120.026,10	340,07	2.126,59	2.466,67	117.899,51	127.366,18	282.100,49	409.466,67
167	117.899,51	334,05	2.132,62	2.466,67	115.766,89	127.700,23	284.233,11	411.933,33
168	115.766,89	328,01	2.138,66	2.466,67	113.628,23	128.028,23	286.371,77	414.400,00
169	113.628,23	321,95	2.144,72	2.466,67	111.483,51	128.350,18	288.516,49	416.866,67
170	111.483,51	315,87	2.150,80	2.466,67	109.332,72	128.666,05	290.667,28	419.333,33
171	109.332,72	309,78	2.156,89	2.466,67	107.175,83	128.975,83	292.824,17	421.800,00
172	107.175,83	303,66	2.163,00	2.466,67	105.012,82	129.279,49	294.987,18	424.266,67
173	105.012,82	297,54	2.169,13	2.466,67	102.843,69	129.577,03	297.156,31	426.733,33
174	102.843,69	291,39	2.175,28	2.466,67	100.668,42	129.868,42	299.331,58	429.200,00
175	100.668,42	285,23	2.181,44	2.466,67	98.486,98	130.153,64	301.513,02	431.666,67
176	98.486,98	279,05	2.187,62	2.466,67	96.299,36	130.432,69	303.700,64	434.133,33
177	96.299,36	272,85	2.193,82	2.466,67	94.105,54	130.705,54	305.894,46	436.600,00
178	94.105,54	266,63	2.200,03	2.466,67	91.905,51	130.972,17	308.094,49	439.066,67
179	91.905,51	260,40	2.206,27	2.466,67	89.699,24	131.232,57	310.300,76	441.533,33
180	89.699,24	254,15	2.212,52	2.466,67	87.486,72	131.486,72	312.513,28	444.000,00
181	87.486,72	247,88	2.218,79	2.466,67	85.267,93	131.734,60	314.732,07	446.466,67
182	85.267,93	241,59	2.225,07	2.466,67	83.042,86	131.976,19	316.957,14	448.933,33
183	83.042,86	235,29	2.231,38	2.466,67	80.811,48	132.211,48	319.188,52	451.400,00
184	80.811,48	228,97	2.237,70	2.466,67	78.573,78	132.440,44	321.426,22	453.866,67
185	78.573,78	222,63	2.244,04	2.466,67	76.329,74	132.663,07	323.670,26	456.333,33
186	76.329,74	216,27	2.250,40	2.466,67	74.079,34	132.879,34	325.920,66	458.800,00
187	74.079,34	209,89	2.256,78	2.466,67	71.822,56	133.089,23	328.177,44	461.266,67
188	71.822,56	203,50	2.263,17	2.466,67	69.559,39	133.292,73	330.440,61	463.733,33
189	69.559,39	197,08	2.269,58	2.466,67	67.289,81	133.489,81	332.710,19	466.200,00
190	67.289,81	190,65	2.276,01	2.466,67	65.013,80	133.680,47	334.986,20	468.666,67
191	65.013,80	184,21	2.282,46	2.466,67	62.731,34	133.864,67	337.268,66	471.133,33
192	62.731,34	177,74	2.288,93	2.466,67	60.442,41	134.042,41	339.557,59	473.600,00
193	60.442,41	171,25	2.295,41	2.466,67	58.147,00	134.213,66	341.853,00	476.066,67
194	58.147,00	164,75	2.301,92	2.466,67	55.845,08	134.378,41	344.154,92	478.533,33
195	55.845,08	158,23	2.308,44	2.466,67	53.536,64	134.536,64	346.463,36	481.000,00
196	53.536,64	151,69	2.314,98	2.466,67	51.221,66	134.688,33	348.778,34	483.466,67
197	51.221,66	145,13	2.321,54	2.466,67	48.900,12	134.833,46	351.099,88	485.933,33
198	48.900,12	138,55	2.328,12	2.466,67	46.572,01	134.972,01	353.427,99	488.400,00
199	46.572,01	131,95	2.334,71	2.466,67	44.237,29	135.103,96	355.762,71	490.866,67
200	44.237,29	125,34	2.341,33	2.466,67	41.895,97	135.229,30	358.104,03	493.333,33
201	41.895,97	118,71	2.347,96	2.466,67	39.548,00	135.348,00	360.452,00	495.800,00
202	39.548,00	112,05	2.354,61	2.466,67	37.193,39	135.460,06	362.806,61	498.266,67
203	37.193,39	105,38	2.361,29	2.466,67	34.832,11	135.565,44	365.167,89	500.733,33
204	34.832,11	98,69	2.367,98	2.466,67	32.464,13	135.664,13	367.535,87	503.200,00
205	32.464,13	91,98	2.374,68	2.466,67	30.089,44	135.756,11	369.910,56	505.666,67
206	30.089,44	85,25	2.381,41	2.466,67	27.708,03	135.841,37	372.291,97	508.133,33
207	27.708,03	78,51	2.388,16	2.466,67	25.319,87	135.919,87	374.680,13	510.600,00
208	25.319,87	71,74	2.394,93	2.466,67	22.924,94	135.991,61	377.075,06	513.066,67
209	22.924,94	64,95	2.401,71	2.466,67	20.523,23	136.056,56	379.476,77	515.533,33
210	20.523,23	58,15	2.408,52	2.466,67	18.114,71	136.114,71	381.885,29	518.000,00
211	18.114,71	51,33	2.415,34	2.466,67	15.699,37	136.166,04	384.300,63	520.466,67
212	15.699,37	44,48	2.422,19	2.466,67	13.277,19	136.210,52	386.722,81	522.933,33
213	13.277,19	37,62	2.429,05	2.466,67	10.848,14	136.248,14	389.151,86	525.400,00
214	10.848,14	30,74	2.435,93	2.466,67	8.412,21	136.278,88	391.587,79	527.866,67
215	8.412,21	23,83	2.442,83	2.466,67	5.969,38	136.302,71	394.030,62	530.333,33
216	5.969,38	16,91	2.449,75	2.466,67	3.519,62	136.319,62	396.480,38	532.800,00
217	3.519,62	9,97	2.456,69	2.466,67	1.062,93	136.329,60	398.937,07	535.266,67
218	1.062,93	3,01	1.062,93	1.062,93	1.062,93	136.332,61	400.000,00	536.332,61

Dr. Klein Baufinanzierung

3.91/5,00

136.659,98€
Zinsanteil

2.470,00€
Monatsrate

3,41%
Sollzins p.a.

3,48%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 350.000,00 €;Kreditrate: 1.569,17 €;Gesamtbetrag: 94.150,20 €;Anzahl Kreditraten: 60;Laufzeit: 60 Monate;Effektiver Jahreszins: 3,48 %;Gebundener Sollzins: 3,38 %;

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

Interhyp Baufinanzierung

3.91/5,00

137.313,56€
Zinsanteil

2.476,67€
Monatsrate

3,43%
Sollzins p.a.

3,48%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 200.000,00 €;Kreditrate: 1.071,67 €;Gesamtbetrag: 128.600,00 €;Anzahl Kreditraten: 120;Laufzeit: 120 Monate;Effektiver Jahreszins: 3,46 %;Gebundener Sollzins: 3,43 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.143,33	1.333,33	2.476,67	398.666,67	1.143,33	1.333,33	2.476,67
2	398.666,67	1.139,52	1.337,14	2.476,67	397.329,52	2.282,86	2.670,48	4.953,33
3	397.329,52	1.135,70	1.340,97	2.476,67	395.988,56	3.418,56	4.011,44	7.430,00
4	395.988,56	1.131,87	1.344,80	2.476,67	394.643,76	4.550,42	5.356,24	9.906,67
5	394.643,76	1.128,02	1.348,64	2.476,67	393.295,11	5.678,45	6.704,89	12.383,33
6	393.295,11	1.124,17	1.352,50	2.476,67	391.942,61	6.802,61	8.057,39	14.860,00
7	391.942,61	1.120,30	1.356,36	2.476,67	390.586,25	7.922,92	9.413,75	17.336,67
8	390.586,25	1.116,43	1.360,24	2.476,67	389.226,01	9.039,34	10.773,99	19.813,33
9	389.226,01	1.112,54	1.364,13	2.476,67	387.861,88	10.151,88	12.138,12	22.290,00
10	387.861,88	1.108,64	1.368,03	2.476,67	386.493,85	11.260,52	13.506,15	24.766,67
11	386.493,85	1.104,73	1.371,94	2.476,67	385.121,91	12.365,25	14.878,09	27.243,33
12	385.121,91	1.100,81	1.375,86	2.476,67	383.746,05	13.466,05	16.253,95	29.720,00
13	383.746,05	1.096,87	1.379,79	2.476,67	382.366,26	14.562,93	17.633,74	32.196,67
14	382.366,26	1.092,93	1.383,74	2.476,67	380.982,53	15.655,86	19.017,47	34.673,33
15	380.982,53	1.088,98	1.387,69	2.476,67	379.594,83	16.744,83	20.405,17	37.150,00
16	379.594,83	1.085,01	1.391,66	2.476,67	378.203,18	17.829,84	21.796,82	39.626,67
17	378.203,18	1.081,03	1.395,64	2.476,67	376.807,54	18.910,87	23.192,46	42.103,33
18	376.807,54	1.077,04	1.399,63	2.476,67	375.407,91	19.987,91	24.592,09	44.580,00
19	375.407,91	1.073,04	1.403,63	2.476,67	374.004,29	21.060,96	25.995,71	47.056,67
20	374.004,29	1.069,03	1.407,64	2.476,67	372.596,65	22.129,98	27.403,35	49.533,33
21	372.596,65	1.065,01	1.411,66	2.476,67	371.184,99	23.194,99	28.815,01	52.010,00
22	371.184,99	1.060,97	1.415,70	2.476,67	369.769,29	24.255,96	30.230,71	54.486,67
23	369.769,29	1.056,92	1.419,74	2.476,67	368.349,55	25.312,88	31.650,45	56.963,33
24	368.349,55	1.052,87	1.423,80	2.476,67	366.925,75	26.365,75	33.074,25	59.440,00
25	366.925,75	1.048,80	1.427,87	2.476,67	365.497,88	27.414,55	34.502,12	61.916,67
26	365.497,88	1.044,71	1.431,95	2.476,67	364.065,93	28.459,26	35.934,07	64.393,33
27	364.065,93	1.040,62	1.436,04	2.476,67	362.629,88	29.499,88	37.370,12	66.870,00
28	362.629,88	1.036,52	1.440,15	2.476,67	361.189,73	30.536,40	38.810,27	69.346,67
29	361.189,73	1.032,40	1.444,27	2.476,67	359.745,47	31.568,80	40.254,53	71.823,33
30	359.745,47	1.028,27	1.448,39	2.476,67	358.297,07	32.597,07	41.702,93	74.300,00
31	358.297,07	1.024,13	1.452,53	2.476,67	356.844,54	33.621,21	43.155,46	76.776,67
32	356.844,54	1.019,98	1.456,69	2.476,67	355.387,85	34.641,19	44.612,15	79.253,33
33	355.387,85	1.015,82	1.460,85	2.476,67	353.927,00	35.657,00	46.073,00	81.730,00
34	353.927,00	1.011,64	1.465,03	2.476,67	352.461,98	36.668,64	47.538,02	84.206,67
35	352.461,98	1.007,45	1.469,21	2.476,67	350.992,77	37.676,10	49.007,23	86.683,33
36	350.992,77	1.003,25	1.473,41	2.476,67	349.519,35	38.679,35	50.480,65	89.160,00
37	349.519,35	999,04	1.477,62	2.476,67	348.041,73	39.678,40	51.958,27	91.636,67
38	348.041,73	994,82	1.481,85	2.476,67	346.559,88	40.673,21	53.440,12	94.113,33
39	346.559,88	990,58	1.486,08	2.476,67	345.073,80	41.663,80	54.926,20	96.590,00
40	345.073,80	986,34	1.490,33	2.476,67	343.583,47	42.650,13	56.416,53	99.066,67
41	343.583,47	982,08	1.494,59	2.476,67	342.088,88	43.632,21	57.911,12	101.543,33
42	342.088,88	977,80	1.498,86	2.476,67	340.590,01	44.610,01	59.409,99	104.020,00
43	340.590,01	973,52	1.503,15	2.476,67	339.086,87	45.583,53	60.913,13	106.496,67
44	339.086,87	969,22	1.507,44	2.476,67	337.579,42	46.552,76	62.420,58	108.973,33
45	337.579,42	964,91	1.511,75	2.476,67	336.067,67	47.517,67	63.932,33	111.450,00
46	336.067,67	960,59	1.516,07	2.476,67	334.551,60	48.478,27	65.448,40	113.926,67
47	334.551,60	956,26	1.520,41	2.476,67	333.031,19	49.434,53	66.968,81	116.403,33
48	333.031,19	951,91	1.524,75	2.476,67	331.506,44	50.386,44	68.493,56	118.880,00
49	331.506,44	947,56	1.529,11	2.476,67	329.977,33	51.334,00	70.022,67	121.356,67
50	329.977,33	943,19	1.533,48	2.476,67	328.443,85	52.277,18	71.556,15	123.833,33
51	328.443,85	938,80	1.537,86	2.476,67	326.905,98	53.215,98	73.094,02	126.310,00
52	326.905,98	934,41	1.542,26	2.476,67	325.363,72	54.150,39	74.636,28	128.786,67
53	325.363,72	930,00	1.546,67	2.476,67	323.817,05	55.080,39	76.182,95	131.263,33
54	323.817,05	925,58	1.551,09	2.476,67	322.265,96	56.005,96	77.734,04	133.740,00
55	322.265,96	921,14	1.555,52	2.476,67	320.710,44	56.927,11	79.289,56	136.216,67
56	320.710,44	916,70	1.559,97	2.476,67	319.150,47	57.843,81	80.849,53	138.693,33
57	319.150,47	912,24	1.564,43	2.476,67	317.586,04	58.756,04	82.413,96	141.170,00
58	317.586,04	907,77	1.568,90	2.476,67	316.017,14	59.663,81	83.982,86	143.646,67
59	316.017,14	903,28	1.573,38	2.476,67	314.443,76	60.567,09	85.556,24	146.123,33
60	314.443,76	898,79	1.577,88	2.476,67	312.865,88	61.465,88	87.134,12	148.600,00
61	312.865,88	894,27	1.582,39	2.476,67	311.283,49	62.360,15	88.716,51	151.076,67
62	311.283,49	889,75	1.586,91	2.476,67	309.696,57	63.249,90	90.303,43	153.553,33
63	309.696,57	885,22	1.591,45	2.476,67	308.105,12	64.135,12	91.894,88	156.030,00
64	308.105,12	880,67	1.596,00	2.476,67	306.509,12	65.015,79	93.490,88	158.506,67
65	306.509,12	876,11	1.600,56	2.476,67	304.908,56	65.891,89	95.091,44	160.983,33
66	304.908,56	871,53	1.605,14	2.476,67	303.303,42	66.763,42	96.696,58	163.460,00
67	303.303,42	866,94	1.609,72	2.476,67	301.693,70	67.630,37	98.306,30	165.936,67
68	301.693,70	862,34	1.614,33	2.476,67	300.079,37	68.492,71	99.920,63	168.413,33
69	300.079,37	857,73	1.618,94	2.476,67	298.460,43	69.350,43	101.539,57	170.890,00
70	298.460,43	853,10	1.623,57	2.476,67	296.836,87	70.203,53	103.163,13	173.366,67
71	296.836,87	848,46	1.628,21	2.476,67	295.208,66	71.051,99	104.791,34	175.843,33
72	295.208,66	843,80	1.632,86	2.476,67	293.575,80	71.895,80	106.424,20	178.320,00
73	293.575,80	839,14	1.637,53	2.476,67	291.938,27	72.734,93	108.061,73	180.796,67
74	291.938,27	834,46	1.642,21	2.476,67	290.296,06	73.569,39	109.703,94	183.273,33
75	290.296,06	829,76	1.646,90	2.476,67	288.649,15	74.399,15	111.350,85	185.750,00
76	288.649,15	825,06	1.651,61	2.476,67	286.997,54	75.224,21	113.002,46	188.226,67
77	286.997,54	820,33	1.656,33	2.476,67	285.341,21	76.044,54	114.658,79	190.703,33
78	285.341,21	815,60	1.661,07	2.476,67	283.680,14	76.860,14	116.319,86	193.180,00
79	283.680,14	810,85	1.665,81	2.476,67	282.014,33	77.671,00	117.985,67	195.656,67
80	282.014,33	806,09	1.670,58	2.476,67	280.343,75	78.477,09	119.656,25	198.133,33
81	280.343,75	801,32	1.675,35	2.476,67	278.668,40	79.278,40	121.331,60	200.610,00
82	278.668,40	796,53	1.680,14	2.476,67	276.988,26	80.074,93	123.011,74	203.086,67
83	276.988,26	791,72	1.684,94	2.476,67	275.303,32	80.866,66	124.696,68	205.563,33
84	275.303,32	786,91	1.689,76	2.476,67	273.613,56	81.653,56	126.386,44	208.040,00
85	273.613,56	782,08	1.694,59	2.476,67	271.918,98	82.435,64	128.081,02	210.516,67
86	271.918,98	777,24	1.699,43	2.476,67	270.219,54	83.212,88	129.780,46	212.993,33
87	270.219,54	772,38	1.704,29	2.476,67	268.515,26	83.985,26	131.484,74	215.470,00
88	268.515,26	767,51	1.709,16	2.476,67	266.806,09	84.752,76	133.193,91	217.946,67
89	266.806,09	762,62	1.714,05	2.476,67	265.092,05	85.515,38	134.907,95	220.423,33
90	265.092,05	757,72	1.718,95	2.476,67	263.373,10	86.273,10	136.626,90	222.900,00
91	263.373,10	752,81	1.723,86	2.476,67	261.649,25	87.025,91	138.350,75	225.376,67
92	261.649,25	747,88	1.728,79	2.476,67	259.920,46	87.773,79	140.079,54	227.853,33
93	259.920,46	742,94	1.733,73	2.476,67	258.186,73	88.516,73	141.813,27	230.330,00
94	258.186,73	737,98	1.738,68	2.476,67	256.448,05	89.254,72	143.551,95	232.806,67
95	256.448,05	733,01	1.743,65	2.476,67	254.704,40	89.987,73	145.295,60	235.283,33
96	254.704,40	728,03	1.748,64	2.476,67	252.955,76	90.715,76	147.044,24	237.760,00
97	252.955,76	723,03	1.753,63	2.476,67	251.202,13	91.438,79	148.797,87	240.236,67
98	251.202,13	718,02	1.758,65	2.476,67	249.443,48	92.156,81	150.556,52	242.713,33
99	249.443,48	712,99	1.763,67	2.476,67	247.679,80	92.869,80	152.320,20	245.190,00
100	247.679,80	707,95	1.768,72	2.476,67	245.911,09	93.577,76	154.088,91	247.666,67
101	245.911,09	702,90	1.773,77	2.476,67	244.137,32	94.280,65	155.862,68	250.143,33
102	244.137,32	697,83	1.778,84	2.476,67	242.358,48	94.978,48	157.641,52	252.620,00
103	242.358,48	692,74	1.783,93	2.476,67	240.574,55	95.671,22	159.425,45	255.096,67
104	240.574,55	687,64	1.789,02	2.476,67	238.785,53	96.358,86	161.214,47	257.573,33
105	238.785,53	682,53	1.794,14	2.476,67	236.991,39	97.041,39	163.008,61	260.050,00
106	236.991,39	677,40	1.799,27	2.476,67	235.192,12	97.718,79	164.807,88	262.526,67
107	235.192,12	672,26	1.804,41	2.476,67	233.387,71	98.391,05	166.612,29	265.003,33
108	233.387,71	667,10	1.809,57	2.476,67	231.578,15	99.058,15	168.421,85	267.480,00
109	231.578,15	661,93	1.814,74	2.476,67	229.763,41	99.720,07	170.236,59	269.956,67
110	229.763,41	656,74	1.819,93	2.476,67	227.943,48	100.376,81	172.056,52	272.433,33
111	227.943,48	651,54	1.825,13	2.476,67	226.118,35	101.028,35	173.881,65	274.910,00
112	226.118,35	646,32	1.830,35	2.476,67	224.288,01	101.674,67	175.711,99	277.386,67
113	224.288,01	641,09	1.835,58	2.476,67	222.452,43	102.315,76	177.547,57	279.863,33
114	222.452,43	635,84	1.840,82	2.476,67	220.611,61	102.951,61	179.388,39	282.340,00
115	220.611,61	630,58	1.846,09	2.476,67	218.765,52	103.582,19	181.234,48	284.816,67
116	218.765,52	625,30	1.851,36	2.476,67	216.914,16	104.207,49	183.085,84	287.293,33
117	216.914,16	620,01	1.856,65	2.476,67	215.057,51	104.827,51	184.942,49	289.770,00
118	215.057,51	614,71	1.861,96	2.476,67	213.195,55	105.442,21	186.804,45	292.246,67
119	213.195,55	609,38	1.867,28	2.476,67	211.328,26	106.051,60	188.671,74	294.723,33
120	211.328,26	604,05	1.872,62	2.476,67	209.455,64	106.655,64	190.544,36	297.200,00
121	209.455,64	598,69	1.877,97	2.476,67	207.577,67	107.254,34	192.422,33	299.676,67
122	207.577,67	593,33	1.883,34	2.476,67	205.694,33	107.847,66	194.305,67	302.153,33
123	205.694,33	587,94	1.888,72	2.476,67	203.805,61	108.435,61	196.194,39	304.630,00
124	203.805,61	582,54	1.894,12	2.476,67	201.911,48	109.018,15	198.088,52	307.106,67
125	201.911,48	577,13	1.899,54	2.476,67	200.011,95	109.595,28	199.988,05	309.583,33
126	200.011,95	571,70	1.904,97	2.476,67	198.106,98	110.166,98	201.893,02	312.060,00
127	198.106,98	566,26	1.910,41	2.476,67	196.196,57	110.733,24	203.803,43	314.536,67
128	196.196,57	560,80	1.915,87	2.476,67	194.280,70	111.294,03	205.719,30	317.013,33
129	194.280,70	555,32	1.921,35	2.476,67	192.359,35	111.849,35	207.640,65	319.490,00
130	192.359,35	549,83	1.926,84	2.476,67	190.432,51	112.399,18	209.567,49	321.966,67
131	190.432,51	544,32	1.932,35	2.476,67	188.500,17	112.943,50	211.499,83	324.443,33
132	188.500,17	538,80	1.937,87	2.476,67	186.562,30	113.482,30	213.437,70	326.920,00
133	186.562,30	533,26	1.943,41	2.476,67	184.618,89	114.015,55	215.381,11	329.396,67
134	184.618,89	527,70	1.948,96	2.476,67	182.669,92	114.543,26	217.330,08	331.873,33
135	182.669,92	522,13	1.954,54	2.476,67	180.715,39	115.065,39	219.284,61	334.350,00
136	180.715,39	516,54	1.960,12	2.476,67	178.755,26	115.581,93	221.244,74	336.826,67
137	178.755,26	510,94	1.965,72	2.476,67	176.789,54	116.092,87	223.210,46	339.303,33
138	176.789,54	505,32	1.971,34	2.476,67	174.818,20	116.598,20	225.181,80	341.780,00
139	174.818,20	499,69	1.976,98	2.476,67	172.841,22	117.097,89	227.158,78	344.256,67
140	172.841,22	494,04	1.982,63	2.476,67	170.858,59	117.591,92	229.141,41	346.733,33
141	170.858,59	488,37	1.988,30	2.476,67	168.870,29	118.080,29	231.129,71	349.210,00
142	168.870,29	482,69	1.993,98	2.476,67	166.876,32	118.562,98	233.123,68	351.686,67
143	166.876,32	476,99	1.999,68	2.476,67	164.876,64	119.039,97	235.123,36	354.163,33
144	164.876,64	471,27	2.005,39	2.476,67	162.871,24	119.511,24	237.128,76	356.640,00
145	162.871,24	465,54	2.011,13	2.476,67	160.860,12	119.976,78	239.139,88	359.116,67
146	160.860,12	459,79	2.016,87	2.476,67	158.843,24	120.436,57	241.156,76	361.593,33
147	158.843,24	454,03	2.022,64	2.476,67	156.820,60	120.890,60	243.179,40	364.070,00
148	156.820,60	448,25	2.028,42	2.476,67	154.792,18	121.338,85	245.207,82	366.546,67
149	154.792,18	442,45	2.034,22	2.476,67	152.757,96	121.781,29	247.242,04	369.023,33
150	152.757,96	436,63	2.040,03	2.476,67	150.717,93	122.217,93	249.282,07	371.500,00
151	150.717,93	430,80	2.045,86	2.476,67	148.672,06	122.648,73	251.327,94	373.976,67
152	148.672,06	424,95	2.051,71	2.476,67	146.620,35	123.073,68	253.379,65	376.453,33
153	146.620,35	419,09	2.057,58	2.476,67	144.562,77	123.492,77	255.437,23	378.930,00
154	144.562,77	413,21	2.063,46	2.476,67	142.499,32	123.905,98	257.500,68	381.406,67
155	142.499,32	407,31	2.069,36	2.476,67	140.429,96	124.313,29	259.570,04	383.883,33
156	140.429,96	401,40	2.075,27	2.476,67	138.354,69	124.714,69	261.645,31	386.360,00
157	138.354,69	395,46	2.081,20	2.476,67	136.273,49	125.110,15	263.726,51	388.836,67
158	136.273,49	389,52	2.087,15	2.476,67	134.186,33	125.499,67	265.813,67	391.313,33
159	134.186,33	383,55	2.093,12	2.476,67	132.093,22	125.883,22	267.906,78	393.790,00
160	132.093,22	377,57	2.099,10	2.476,67	129.994,12	126.260,78	270.005,88	396.266,67
161	129.994,12	371,57	2.105,10	2.476,67	127.889,02	126.632,35	272.110,98	398.743,33
162	127.889,02	365,55	2.111,12	2.476,67	125.777,90	126.997,90	274.222,10	401.220,00
163	125.777,90	359,52	2.117,15	2.476,67	123.660,75	127.357,41	276.339,25	403.696,67
164	123.660,75	353,46	2.123,20	2.476,67	121.537,54	127.710,88	278.462,46	406.173,33
165	121.537,54	347,39	2.129,27	2.476,67	119.408,27	128.058,27	280.591,73	408.650,00
166	119.408,27	341,31	2.135,36	2.476,67	117.272,91	128.399,58	282.727,09	411.126,67
167	117.272,91	335,21	2.141,46	2.476,67	115.131,45	128.734,79	284.868,55	413.603,33
168	115.131,45	329,08	2.147,58	2.476,67	112.983,87	129.063,87	287.016,13	416.080,00
169	112.983,87	322,95	2.153,72	2.476,67	110.830,15	129.386,82	289.169,85	418.556,67
170	110.830,15	316,79	2.159,88	2.476,67	108.670,27	129.703,61	291.329,73	421.033,33
171	108.670,27	310,62	2.166,05	2.476,67	106.504,22	130.014,22	293.495,78	423.510,00
172	106.504,22	304,42	2.172,24	2.476,67	104.331,98	130.318,65	295.668,02	425.986,67
173	104.331,98	298,22	2.178,45	2.476,67	102.153,53	130.616,86	297.846,47	428.463,33
174	102.153,53	291,99	2.184,68	2.476,67	99.968,85	130.908,85	300.031,15	430.940,00
175	99.968,85	285,74	2.190,92	2.476,67	97.777,93	131.194,59	302.222,07	433.416,67
176	97.777,93	279,48	2.197,18	2.476,67	95.580,74	131.474,08	304.419,26	435.893,33
177	95.580,74	273,20	2.203,47	2.476,67	93.377,28	131.747,28	306.622,72	438.370,00
178	93.377,28	266,90	2.209,76	2.476,67	91.167,52	132.014,18	308.832,48	440.846,67
179	91.167,52	260,59	2.216,08	2.476,67	88.951,44	132.274,77	311.048,56	443.323,33
180	88.951,44	254,25	2.222,41	2.476,67	86.729,02	132.529,02	313.270,98	445.800,00
181	86.729,02	247,90	2.228,77	2.476,67	84.500,26	132.776,92	315.499,74	448.276,67
182	84.500,26	241,53	2.235,14	2.476,67	82.265,12	133.018,45	317.734,88	450.753,33
183	82.265,12	235,14	2.241,53	2.476,67	80.023,59	133.253,59	319.976,41	453.230,00
184	80.023,59	228,73	2.247,93	2.476,67	77.775,66	133.482,33	322.224,34	455.706,67
185	77.775,66	222,31	2.254,36	2.476,67	75.521,30	133.704,64	324.478,70	458.183,33
186	75.521,30	215,87	2.260,80	2.476,67	73.260,50	133.920,50	326.739,50	460.660,00
187	73.260,50	209,40	2.267,26	2.476,67	70.993,24	134.129,90	329.006,76	463.136,67
188	70.993,24	202,92	2.273,74	2.476,67	68.719,49	134.332,83	331.280,51	465.613,33
189	68.719,49	196,42	2.280,24	2.476,67	66.439,25	134.529,25	333.560,75	468.090,00
190	66.439,25	189,91	2.286,76	2.476,67	64.152,49	134.719,16	335.847,51	470.566,67
191	64.152,49	183,37	2.293,30	2.476,67	61.859,19	134.902,52	338.140,81	473.043,33
192	61.859,19	176,81	2.299,85	2.476,67	59.559,34	135.079,34	340.440,66	475.520,00
193	59.559,34	170,24	2.306,43	2.476,67	57.252,91	135.249,58	342.747,09	477.996,67
194	57.252,91	163,65	2.313,02	2.476,67	54.939,89	135.413,23	345.060,11	480.473,33
195	54.939,89	157,04	2.319,63	2.476,67	52.620,26	135.570,26	347.379,74	482.950,00
196	52.620,26	150,41	2.326,26	2.476,67	50.294,00	135.720,67	349.706,00	485.426,67
197	50.294,00	143,76	2.332,91	2.476,67	47.961,09	135.864,43	352.038,91	487.903,33
198	47.961,09	137,09	2.339,58	2.476,67	45.621,52	136.001,52	354.378,48	490.380,00
199	45.621,52	130,40	2.346,27	2.476,67	43.275,25	136.131,92	356.724,75	492.856,67
200	43.275,25	123,70	2.352,97	2.476,67	40.922,28	136.255,61	359.077,72	495.333,33
201	40.922,28	116,97	2.359,70	2.476,67	38.562,58	136.372,58	361.437,42	497.810,00
202	38.562,58	110,22	2.366,44	2.476,67	36.196,14	136.482,81	363.803,86	500.286,67
203	36.196,14	103,46	2.373,21	2.476,67	33.822,93	136.586,27	366.177,07	502.763,33
204	33.822,93	96,68	2.379,99	2.476,67	31.442,94	136.682,94	368.557,06	505.240,00
205	31.442,94	89,87	2.386,79	2.476,67	29.056,15	136.772,82	370.943,85	507.716,67
206	29.056,15	83,05	2.393,61	2.476,67	26.662,54	136.855,87	373.337,46	510.193,33
207	26.662,54	76,21	2.400,46	2.476,67	24.262,08	136.932,08	375.737,92	512.670,00
208	24.262,08	69,35	2.407,32	2.476,67	21.854,76	137.001,43	378.145,24	515.146,67
209	21.854,76	62,47	2.414,20	2.476,67	19.440,57	137.063,90	380.559,43	517.623,33
210	19.440,57	55,57	2.421,10	2.476,67	17.019,47	137.119,47	382.980,53	520.100,00
211	17.019,47	48,65	2.428,02	2.476,67	14.591,45	137.168,11	385.408,55	522.576,67
212	14.591,45	41,71	2.434,96	2.476,67	12.156,49	137.209,82	387.843,51	525.053,33
213	12.156,49	34,75	2.441,92	2.476,67	9.714,57	137.244,57	390.285,43	527.530,00
214	9.714,57	27,77	2.448,90	2.476,67	7.265,67	137.272,34	392.734,33	530.006,67
215	7.265,67	20,77	2.455,90	2.476,67	4.809,77	137.293,10	395.190,23	532.483,33
216	4.809,77	13,75	2.462,92	2.476,67	2.346,85	137.306,85	397.653,15	534.960,00
217	2.346,85	6,71	2.346,85	2.346,85	2.346,85	137.313,56	400.000,00	537.313,56

Baufi-line Baufinanzierung

3.61/5,00

138.943,59€
Zinsanteil

2.493,33€
Monatsrate

3,48%
Sollzins p.a.

3,55%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 100.000,00 €;Kreditrate: 480,83 €;Gesamtbetrag: 57.699,60 €;Anzahl Kreditraten: 120;Laufzeit: 338 Monate;Effektiver Jahreszins: 3,77 %;Gebundener Sollzins: 3,68 %;

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

DSL Bank Baufinanzierung

3.39/5,00

138.943,59€
Zinsanteil

2.493,33€
Monatsrate

3,48%
Sollzins p.a.

3,56%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 200.000,00 €;Kreditrate: 995,00 €;Gesamtbetrag: 119.400,00 €;Anzahl Kreditraten: 1440;Laufzeit: 372 Monate;Effektiver Jahreszins: 4,59 %;Gebundener Sollzins: 4,47 %;

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

ING Baufinanzierung

3.87/5,00

142.179,99€
Zinsanteil

2.526,67€
Monatsrate

3,58%
Sollzins p.a.

3,66%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 1.730,00 €;Gesamtbetrag: 311.400,00 €;Anzahl Kreditraten: 180;Laufzeit: 257 Monate;Effektiver Jahreszins: 4,02 %;Gebundener Sollzins: 3,92 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.193,33	1.333,33	2.526,67	398.666,67	1.193,33	1.333,33	2.526,67
2	398.666,67	1.189,36	1.337,31	2.526,67	397.329,36	2.382,69	2.670,64	5.053,33
3	397.329,36	1.185,37	1.341,30	2.526,67	395.988,05	3.568,05	4.011,95	7.580,00
4	395.988,05	1.181,36	1.345,30	2.526,67	394.642,75	4.749,42	5.357,25	10.106,67
5	394.642,75	1.177,35	1.349,32	2.526,67	393.293,44	5.926,77	6.706,56	12.633,33
6	393.293,44	1.173,33	1.353,34	2.526,67	391.940,10	7.100,10	8.059,90	15.160,00
7	391.940,10	1.169,29	1.357,38	2.526,67	390.582,72	8.269,38	9.417,28	17.686,67
8	390.582,72	1.165,24	1.361,43	2.526,67	389.221,29	9.434,62	10.778,71	20.213,33
9	389.221,29	1.161,18	1.365,49	2.526,67	387.855,80	10.595,80	12.144,20	22.740,00
10	387.855,80	1.157,10	1.369,56	2.526,67	386.486,24	11.752,90	13.513,76	25.266,67
11	386.486,24	1.153,02	1.373,65	2.526,67	385.112,59	12.905,92	14.887,41	27.793,33
12	385.112,59	1.148,92	1.377,75	2.526,67	383.734,84	14.054,84	16.265,16	30.320,00
13	383.734,84	1.144,81	1.381,86	2.526,67	382.352,98	15.199,65	17.647,02	32.846,67
14	382.352,98	1.140,69	1.385,98	2.526,67	380.967,00	16.340,33	19.033,00	35.373,33
15	380.967,00	1.136,55	1.390,12	2.526,67	379.576,89	17.476,89	20.423,11	37.900,00
16	379.576,89	1.132,40	1.394,26	2.526,67	378.182,62	18.609,29	21.817,38	40.426,67
17	378.182,62	1.128,24	1.398,42	2.526,67	376.784,20	19.737,53	23.215,80	42.953,33
18	376.784,20	1.124,07	1.402,59	2.526,67	375.381,61	20.861,61	24.618,39	45.480,00
19	375.381,61	1.119,89	1.406,78	2.526,67	373.974,83	21.981,50	26.025,17	48.006,67
20	373.974,83	1.115,69	1.410,98	2.526,67	372.563,85	23.097,19	27.436,15	50.533,33
21	372.563,85	1.111,48	1.415,18	2.526,67	371.148,67	24.208,67	28.851,33	53.060,00
22	371.148,67	1.107,26	1.419,41	2.526,67	369.729,26	25.315,93	30.270,74	55.586,67
23	369.729,26	1.103,03	1.423,64	2.526,67	368.305,62	26.418,96	31.694,38	58.113,33
24	368.305,62	1.098,78	1.427,89	2.526,67	366.877,73	27.517,73	33.122,27	60.640,00
25	366.877,73	1.094,52	1.432,15	2.526,67	365.445,59	28.612,25	34.554,41	63.166,67
26	365.445,59	1.090,25	1.436,42	2.526,67	364.009,16	29.702,50	35.990,84	65.693,33
27	364.009,16	1.085,96	1.440,71	2.526,67	362.568,46	30.788,46	37.431,54	68.220,00
28	362.568,46	1.081,66	1.445,00	2.526,67	361.123,45	31.870,12	38.876,55	70.746,67
29	361.123,45	1.077,35	1.449,32	2.526,67	359.674,14	32.947,47	40.325,86	73.273,33
30	359.674,14	1.073,03	1.453,64	2.526,67	358.220,50	34.020,50	41.779,50	75.800,00
31	358.220,50	1.068,69	1.457,98	2.526,67	356.762,53	35.089,19	43.237,47	78.326,67
32	356.762,53	1.064,34	1.462,33	2.526,67	355.300,20	36.153,53	44.699,80	80.853,33
33	355.300,20	1.059,98	1.466,69	2.526,67	353.833,51	37.213,51	46.166,49	83.380,00
34	353.833,51	1.055,60	1.471,06	2.526,67	352.362,45	38.269,12	47.637,55	85.906,67
35	352.362,45	1.051,21	1.475,45	2.526,67	350.887,00	39.320,33	49.113,00	88.433,33
36	350.887,00	1.046,81	1.479,85	2.526,67	349.407,14	40.367,14	50.592,86	90.960,00
37	349.407,14	1.042,40	1.484,27	2.526,67	347.922,87	41.409,54	52.077,13	93.486,67
38	347.922,87	1.037,97	1.488,70	2.526,67	346.434,18	42.447,51	53.565,82	96.013,33
39	346.434,18	1.033,53	1.493,14	2.526,67	344.941,04	43.481,04	55.058,96	98.540,00
40	344.941,04	1.029,07	1.497,59	2.526,67	343.443,45	44.510,11	56.556,55	101.066,67
41	343.443,45	1.024,61	1.502,06	2.526,67	341.941,39	45.534,72	58.058,61	103.593,33
42	341.941,39	1.020,13	1.506,54	2.526,67	340.434,85	46.554,85	59.565,15	106.120,00
43	340.434,85	1.015,63	1.511,04	2.526,67	338.923,81	47.570,48	61.076,19	108.646,67
44	338.923,81	1.011,12	1.515,54	2.526,67	337.408,27	48.581,60	62.591,73	111.173,33
45	337.408,27	1.006,60	1.520,07	2.526,67	335.888,20	49.588,20	64.111,80	113.700,00
46	335.888,20	1.002,07	1.524,60	2.526,67	334.363,60	50.590,27	65.636,40	116.226,67
47	334.363,60	997,52	1.529,15	2.526,67	332.834,45	51.587,78	67.165,55	118.753,33
48	332.834,45	992,96	1.533,71	2.526,67	331.300,74	52.580,74	68.699,26	121.280,00
49	331.300,74	988,38	1.538,29	2.526,67	329.762,45	53.569,12	70.237,55	123.806,67
50	329.762,45	983,79	1.542,88	2.526,67	328.219,58	54.552,91	71.780,42	126.333,33
51	328.219,58	979,19	1.547,48	2.526,67	326.672,10	55.532,10	73.327,90	128.860,00
52	326.672,10	974,57	1.552,09	2.526,67	325.120,01	56.506,67	74.879,99	131.386,67
53	325.120,01	969,94	1.556,73	2.526,67	323.563,28	57.476,61	76.436,72	133.913,33
54	323.563,28	965,30	1.561,37	2.526,67	322.001,91	58.441,91	77.998,09	136.440,00
55	322.001,91	960,64	1.566,03	2.526,67	320.435,88	59.402,55	79.564,12	138.966,67
56	320.435,88	955,97	1.570,70	2.526,67	318.865,18	60.358,52	81.134,82	141.493,33
57	318.865,18	951,28	1.575,39	2.526,67	317.289,80	61.309,80	82.710,20	144.020,00
58	317.289,80	946,58	1.580,09	2.526,67	315.709,71	62.256,38	84.290,29	146.546,67
59	315.709,71	941,87	1.584,80	2.526,67	314.124,91	63.198,25	85.875,09	149.073,33
60	314.124,91	937,14	1.589,53	2.526,67	312.535,39	64.135,39	87.464,61	151.600,00
61	312.535,39	932,40	1.594,27	2.526,67	310.941,12	65.067,78	89.058,88	154.126,67
62	310.941,12	927,64	1.599,03	2.526,67	309.342,09	65.995,42	90.657,91	156.653,33
63	309.342,09	922,87	1.603,80	2.526,67	307.738,30	66.918,30	92.261,70	159.180,00
64	307.738,30	918,09	1.608,58	2.526,67	306.129,71	67.836,38	93.870,29	161.706,67
65	306.129,71	913,29	1.613,38	2.526,67	304.516,33	68.749,67	95.483,67	164.233,33
66	304.516,33	908,47	1.618,19	2.526,67	302.898,14	69.658,14	97.101,86	166.760,00
67	302.898,14	903,65	1.623,02	2.526,67	301.275,12	70.561,79	98.724,88	169.286,67
68	301.275,12	898,80	1.627,86	2.526,67	299.647,26	71.460,59	100.352,74	171.813,33
69	299.647,26	893,95	1.632,72	2.526,67	298.014,54	72.354,54	101.985,46	174.340,00
70	298.014,54	889,08	1.637,59	2.526,67	296.376,95	73.243,62	103.623,05	176.866,67
71	296.376,95	884,19	1.642,48	2.526,67	294.734,47	74.127,81	105.265,53	179.393,33
72	294.734,47	879,29	1.647,38	2.526,67	293.087,10	75.007,10	106.912,90	181.920,00
73	293.087,10	874,38	1.652,29	2.526,67	291.434,81	75.881,48	108.565,19	184.446,67
74	291.434,81	869,45	1.657,22	2.526,67	289.777,59	76.750,92	110.222,41	186.973,33
75	289.777,59	864,50	1.662,16	2.526,67	288.115,43	77.615,43	111.884,57	189.500,00
76	288.115,43	859,54	1.667,12	2.526,67	286.448,30	78.474,97	113.551,70	192.026,67
77	286.448,30	854,57	1.672,10	2.526,67	284.776,21	79.329,54	115.223,79	194.553,33
78	284.776,21	849,58	1.677,08	2.526,67	283.099,12	80.179,12	116.900,88	197.080,00
79	283.099,12	844,58	1.682,09	2.526,67	281.417,04	81.023,70	118.582,96	199.606,67
80	281.417,04	839,56	1.687,11	2.526,67	279.729,93	81.863,26	120.270,07	202.133,33
81	279.729,93	834,53	1.692,14	2.526,67	278.037,79	82.697,79	121.962,21	204.660,00
82	278.037,79	829,48	1.697,19	2.526,67	276.340,60	83.527,27	123.659,40	207.186,67
83	276.340,60	824,42	1.702,25	2.526,67	274.638,35	84.351,69	125.361,65	209.713,33
84	274.638,35	819,34	1.707,33	2.526,67	272.931,02	85.171,02	127.068,98	212.240,00
85	272.931,02	814,24	1.712,42	2.526,67	271.218,60	85.985,27	128.781,40	214.766,67
86	271.218,60	809,14	1.717,53	2.526,67	269.501,07	86.794,40	130.498,93	217.293,33
87	269.501,07	804,01	1.722,66	2.526,67	267.778,42	87.598,42	132.221,58	219.820,00
88	267.778,42	798,87	1.727,79	2.526,67	266.050,62	88.397,29	133.949,38	222.346,67
89	266.050,62	793,72	1.732,95	2.526,67	264.317,67	89.191,01	135.682,33	224.873,33
90	264.317,67	788,55	1.738,12	2.526,67	262.579,55	89.979,55	137.420,45	227.400,00
91	262.579,55	783,36	1.743,30	2.526,67	260.836,25	90.762,92	139.163,75	229.926,67
92	260.836,25	778,16	1.748,51	2.526,67	259.087,74	91.541,08	140.912,26	232.453,33
93	259.087,74	772,95	1.753,72	2.526,67	257.334,02	92.314,02	142.665,98	234.980,00
94	257.334,02	767,71	1.758,95	2.526,67	255.575,07	93.081,73	144.424,93	237.506,67
95	255.575,07	762,47	1.764,20	2.526,67	253.810,87	93.844,20	146.189,13	240.033,33
96	253.810,87	757,20	1.769,46	2.526,67	252.041,40	94.601,40	147.958,60	242.560,00
97	252.041,40	751,92	1.774,74	2.526,67	250.266,66	95.353,33	149.733,34	245.086,67
98	250.266,66	746,63	1.780,04	2.526,67	248.486,62	96.099,96	151.513,38	247.613,33
99	248.486,62	741,32	1.785,35	2.526,67	246.701,27	96.841,27	153.298,73	250.140,00
100	246.701,27	735,99	1.790,67	2.526,67	244.910,60	97.577,27	155.089,40	252.666,67
101	244.910,60	730,65	1.796,02	2.526,67	243.114,58	98.307,92	156.885,42	255.193,33
102	243.114,58	725,29	1.801,37	2.526,67	241.313,21	99.033,21	158.686,79	257.720,00
103	241.313,21	719,92	1.806,75	2.526,67	239.506,46	99.753,13	160.493,54	260.246,67
104	239.506,46	714,53	1.812,14	2.526,67	237.694,32	100.467,65	162.305,68	262.773,33
105	237.694,32	709,12	1.817,55	2.526,67	235.876,77	101.176,77	164.123,23	265.300,00
106	235.876,77	703,70	1.822,97	2.526,67	234.053,81	101.880,47	165.946,19	267.826,67
107	234.053,81	698,26	1.828,41	2.526,67	232.225,40	102.578,73	167.774,60	270.353,33
108	232.225,40	692,81	1.833,86	2.526,67	230.391,54	103.271,54	169.608,46	272.880,00
109	230.391,54	687,33	1.839,33	2.526,67	228.552,21	103.958,87	171.447,79	275.406,67
110	228.552,21	681,85	1.844,82	2.526,67	226.707,39	104.640,72	173.292,61	277.933,33
111	226.707,39	676,34	1.850,32	2.526,67	224.857,07	105.317,07	175.142,93	280.460,00
112	224.857,07	670,82	1.855,84	2.526,67	223.001,22	105.987,89	176.998,78	282.986,67
113	223.001,22	665,29	1.861,38	2.526,67	221.139,84	106.653,18	178.860,16	285.513,33
114	221.139,84	659,73	1.866,93	2.526,67	219.272,91	107.312,91	180.727,09	288.040,00
115	219.272,91	654,16	1.872,50	2.526,67	217.400,41	107.967,07	182.599,59	290.566,67
116	217.400,41	648,58	1.878,09	2.526,67	215.522,32	108.615,65	184.477,68	293.093,33
117	215.522,32	642,97	1.883,69	2.526,67	213.638,63	109.258,63	186.361,37	295.620,00
118	213.638,63	637,36	1.889,31	2.526,67	211.749,32	109.895,98	188.250,68	298.146,67
119	211.749,32	631,72	1.894,95	2.526,67	209.854,37	110.527,70	190.145,63	300.673,33
120	209.854,37	626,07	1.900,60	2.526,67	207.953,77	111.153,77	192.046,23	303.200,00
121	207.953,77	620,40	1.906,27	2.526,67	206.047,50	111.774,16	193.952,50	305.726,67
122	206.047,50	614,71	1.911,96	2.526,67	204.135,54	112.388,87	195.864,46	308.253,33
123	204.135,54	609,00	1.917,66	2.526,67	202.217,87	112.997,87	197.782,13	310.780,00
124	202.217,87	603,28	1.923,38	2.526,67	200.294,49	113.601,16	199.705,51	313.306,67
125	200.294,49	597,55	1.929,12	2.526,67	198.365,37	114.198,70	201.634,63	315.833,33
126	198.365,37	591,79	1.934,88	2.526,67	196.430,49	114.790,49	203.569,51	318.360,00
127	196.430,49	586,02	1.940,65	2.526,67	194.489,84	115.376,51	205.510,16	320.886,67
128	194.489,84	580,23	1.946,44	2.526,67	192.543,41	115.956,74	207.456,59	323.413,33
129	192.543,41	574,42	1.952,25	2.526,67	190.591,16	116.531,16	209.408,84	325.940,00
130	190.591,16	568,60	1.958,07	2.526,67	188.633,09	117.099,76	211.366,91	328.466,67
131	188.633,09	562,76	1.963,91	2.526,67	186.669,18	117.662,51	213.330,82	330.993,33
132	186.669,18	556,90	1.969,77	2.526,67	184.699,41	118.219,41	215.300,59	333.520,00
133	184.699,41	551,02	1.975,65	2.526,67	182.723,76	118.770,43	217.276,24	336.046,67
134	182.723,76	545,13	1.981,54	2.526,67	180.742,22	119.315,55	219.257,78	338.573,33
135	180.742,22	539,21	1.987,45	2.526,67	178.754,77	119.854,77	221.245,23	341.100,00
136	178.754,77	533,29	1.993,38	2.526,67	176.761,39	120.388,05	223.238,61	343.626,67
137	176.761,39	527,34	1.999,33	2.526,67	174.762,06	120.915,39	225.237,94	346.153,33
138	174.762,06	521,37	2.005,29	2.526,67	172.756,77	121.436,77	227.243,23	348.680,00
139	172.756,77	515,39	2.011,28	2.526,67	170.745,49	121.952,16	229.254,51	351.206,67
140	170.745,49	509,39	2.017,28	2.526,67	168.728,21	122.461,55	231.271,79	353.733,33
141	168.728,21	503,37	2.023,29	2.526,67	166.704,92	122.964,92	233.295,08	356.260,00
142	166.704,92	497,34	2.029,33	2.526,67	164.675,59	123.462,26	235.324,41	358.786,67
143	164.675,59	491,28	2.035,38	2.526,67	162.640,21	123.953,54	237.359,79	361.313,33
144	162.640,21	485,21	2.041,46	2.526,67	160.598,75	124.438,75	239.401,25	363.840,00
145	160.598,75	479,12	2.047,55	2.526,67	158.551,20	124.917,87	241.448,80	366.366,67
146	158.551,20	473,01	2.053,66	2.526,67	156.497,55	125.390,88	243.502,45	368.893,33
147	156.497,55	466,88	2.059,78	2.526,67	154.437,76	125.857,76	245.562,24	371.420,00
148	154.437,76	460,74	2.065,93	2.526,67	152.371,84	126.318,50	247.628,16	373.946,67
149	152.371,84	454,58	2.072,09	2.526,67	150.299,75	126.773,08	249.700,25	376.473,33
150	150.299,75	448,39	2.078,27	2.526,67	148.221,47	127.221,47	251.778,53	379.000,00
151	148.221,47	442,19	2.084,47	2.526,67	146.137,00	127.663,67	253.863,00	381.526,67
152	146.137,00	435,98	2.090,69	2.526,67	144.046,31	128.099,64	255.953,69	384.053,33
153	144.046,31	429,74	2.096,93	2.526,67	141.949,38	128.529,38	258.050,62	386.580,00
154	141.949,38	423,48	2.103,18	2.526,67	139.846,20	128.952,86	260.153,80	389.106,67
155	139.846,20	417,21	2.109,46	2.526,67	137.736,74	129.370,07	262.263,26	391.633,33
156	137.736,74	410,91	2.115,75	2.526,67	135.620,99	129.780,99	264.379,01	394.160,00
157	135.620,99	404,60	2.122,06	2.526,67	133.498,92	130.185,59	266.501,08	396.686,67
158	133.498,92	398,27	2.128,39	2.526,67	131.370,53	130.583,86	268.629,47	399.213,33
159	131.370,53	391,92	2.134,74	2.526,67	129.235,78	130.975,78	270.764,22	401.740,00
160	129.235,78	385,55	2.141,11	2.526,67	127.094,67	131.361,34	272.905,33	404.266,67
161	127.094,67	379,17	2.147,50	2.526,67	124.947,17	131.740,50	275.052,83	406.793,33
162	124.947,17	372,76	2.153,91	2.526,67	122.793,26	132.113,26	277.206,74	409.320,00
163	122.793,26	366,33	2.160,33	2.526,67	120.632,93	132.479,59	279.367,07	411.846,67
164	120.632,93	359,89	2.166,78	2.526,67	118.466,15	132.839,48	281.533,85	414.373,33
165	118.466,15	353,42	2.173,24	2.526,67	116.292,91	133.192,91	283.707,09	416.900,00
166	116.292,91	346,94	2.179,73	2.526,67	114.113,18	133.539,85	285.886,82	419.426,67
167	114.113,18	340,44	2.186,23	2.526,67	111.926,95	133.880,28	288.073,05	421.953,33
168	111.926,95	333,92	2.192,75	2.526,67	109.734,20	134.214,20	290.265,80	424.480,00
169	109.734,20	327,37	2.199,29	2.526,67	107.534,91	134.541,57	292.465,09	427.006,67
170	107.534,91	320,81	2.205,85	2.526,67	105.329,05	134.862,39	294.670,95	429.533,33
171	105.329,05	314,23	2.212,43	2.526,67	103.116,62	135.176,62	296.883,38	432.060,00
172	103.116,62	307,63	2.219,04	2.526,67	100.897,58	135.484,25	299.102,42	434.586,67
173	100.897,58	301,01	2.225,66	2.526,67	98.671,93	135.785,26	301.328,07	437.113,33
174	98.671,93	294,37	2.232,30	2.526,67	96.439,63	136.079,63	303.560,37	439.640,00
175	96.439,63	287,71	2.238,96	2.526,67	94.200,68	136.367,34	305.799,32	442.166,67
176	94.200,68	281,03	2.245,63	2.526,67	91.955,04	136.648,37	308.044,96	444.693,33
177	91.955,04	274,33	2.252,33	2.526,67	89.702,71	136.922,71	310.297,29	447.220,00
178	89.702,71	267,61	2.259,05	2.526,67	87.443,65	137.190,32	312.556,35	449.746,67
179	87.443,65	260,87	2.265,79	2.526,67	85.177,86	137.451,19	314.822,14	452.273,33
180	85.177,86	254,11	2.272,55	2.526,67	82.905,31	137.705,31	317.094,69	454.800,00
181	82.905,31	247,33	2.279,33	2.526,67	80.625,97	137.952,64	319.374,03	457.326,67
182	80.625,97	240,53	2.286,13	2.526,67	78.339,84	138.193,18	321.660,16	459.853,33
183	78.339,84	233,71	2.292,95	2.526,67	76.046,89	138.426,89	323.953,11	462.380,00
184	76.046,89	226,87	2.299,79	2.526,67	73.747,10	138.653,76	326.252,90	464.906,67
185	73.747,10	220,01	2.306,65	2.526,67	71.440,44	138.873,77	328.559,56	467.433,33
186	71.440,44	213,13	2.313,54	2.526,67	69.126,91	139.086,91	330.873,09	469.960,00
187	69.126,91	206,23	2.320,44	2.526,67	66.806,47	139.293,13	333.193,53	472.486,67
188	66.806,47	199,31	2.327,36	2.526,67	64.479,11	139.492,44	335.520,89	475.013,33
189	64.479,11	192,36	2.334,30	2.526,67	62.144,80	139.684,80	337.855,20	477.540,00
190	62.144,80	185,40	2.341,27	2.526,67	59.803,53	139.870,20	340.196,47	480.066,67
191	59.803,53	178,41	2.348,25	2.526,67	57.455,28	140.048,62	342.544,72	482.593,33
192	57.455,28	171,41	2.355,26	2.526,67	55.100,02	140.220,02	344.899,98	485.120,00
193	55.100,02	164,38	2.362,28	2.526,67	52.737,74	140.384,41	347.262,26	487.646,67
194	52.737,74	157,33	2.369,33	2.526,67	50.368,41	140.541,74	349.631,59	490.173,33
195	50.368,41	150,27	2.376,40	2.526,67	47.992,01	140.692,01	352.007,99	492.700,00
196	47.992,01	143,18	2.383,49	2.526,67	45.608,51	140.835,18	354.391,49	495.226,67
197	45.608,51	136,07	2.390,60	2.526,67	43.217,91	140.971,25	356.782,09	497.753,33
198	43.217,91	128,93	2.397,73	2.526,67	40.820,18	141.100,18	359.179,82	500.280,00
199	40.820,18	121,78	2.404,89	2.526,67	38.415,29	141.221,96	361.584,71	502.806,67
200	38.415,29	114,61	2.412,06	2.526,67	36.003,23	141.336,57	363.996,77	505.333,33
201	36.003,23	107,41	2.419,26	2.526,67	33.583,98	141.443,98	366.416,02	507.860,00
202	33.583,98	100,19	2.426,47	2.526,67	31.157,50	141.544,17	368.842,50	510.386,67
203	31.157,50	92,95	2.433,71	2.526,67	28.723,79	141.637,12	371.276,21	512.913,33
204	28.723,79	85,69	2.440,97	2.526,67	26.282,81	141.722,81	373.717,19	515.440,00
205	26.282,81	78,41	2.448,26	2.526,67	23.834,56	141.801,22	376.165,44	517.966,67
206	23.834,56	71,11	2.455,56	2.526,67	21.379,00	141.872,33	378.621,00	520.493,33
207	21.379,00	63,78	2.462,89	2.526,67	18.916,11	141.936,11	381.083,89	523.020,00
208	18.916,11	56,43	2.470,23	2.526,67	16.445,88	141.992,54	383.554,12	525.546,67
209	16.445,88	49,06	2.477,60	2.526,67	13.968,27	142.041,61	386.031,73	528.073,33
210	13.968,27	41,67	2.484,99	2.526,67	11.483,28	142.083,28	388.516,72	530.600,00
211	11.483,28	34,26	2.492,41	2.526,67	8.990,87	142.117,54	391.009,13	533.126,67
212	8.990,87	26,82	2.499,84	2.526,67	6.491,03	142.144,36	393.508,97	535.653,33
213	6.491,03	19,36	2.507,30	2.526,67	3.983,73	142.163,73	396.016,27	538.180,00
214	3.983,73	11,88	2.514,78	2.526,67	1.468,94	142.175,61	398.531,06	540.706,67
215	1.468,94	4,38	1.468,94	1.468,94	1.468,94	142.179,99	400.000,00	542.179,99

PSD Bank Nürnberg Baufinanzierung

3.59/5,00

142.823,31€
Zinsanteil

2.533,33€
Monatsrate

3,60%
Sollzins p.a.

3,66%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 100.000,00 €;Kreditrate: 514,17 €;Gesamtbetrag: 61.700,03 €;Anzahl Kreditraten: 120;Laufzeit: 120 Monate;Effektiver Jahreszins: 4,17 %;Gebundener Sollzins: 4,09 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.200,00	1.333,33	2.533,33	398.666,67	1.200,00	1.333,33	2.533,33
2	398.666,67	1.196,00	1.337,33	2.533,33	397.329,33	2.396,00	2.670,67	5.066,67
3	397.329,33	1.191,99	1.341,35	2.533,33	395.987,99	3.587,99	4.012,01	7.600,00
4	395.987,99	1.187,96	1.345,37	2.533,33	394.642,62	4.775,95	5.357,38	10.133,33
5	394.642,62	1.183,93	1.349,41	2.533,33	393.293,21	5.959,88	6.706,79	12.666,67
6	393.293,21	1.179,88	1.353,45	2.533,33	391.939,76	7.139,76	8.060,24	15.200,00
7	391.939,76	1.175,82	1.357,51	2.533,33	390.582,25	8.315,58	9.417,75	17.733,33
8	390.582,25	1.171,75	1.361,59	2.533,33	389.220,66	9.487,33	10.779,34	20.266,67
9	389.220,66	1.167,66	1.365,67	2.533,33	387.854,99	10.654,99	12.145,01	22.800,00
10	387.854,99	1.163,56	1.369,77	2.533,33	386.485,22	11.818,55	13.514,78	25.333,33
11	386.485,22	1.159,46	1.373,88	2.533,33	385.111,34	12.978,01	14.888,66	27.866,67
12	385.111,34	1.155,33	1.378,00	2.533,33	383.733,34	14.133,34	16.266,66	30.400,00
13	383.733,34	1.151,20	1.382,13	2.533,33	382.351,21	15.284,54	17.648,79	32.933,33
14	382.351,21	1.147,05	1.386,28	2.533,33	380.964,93	16.431,60	19.035,07	35.466,67
15	380.964,93	1.142,89	1.390,44	2.533,33	379.574,49	17.574,49	20.425,51	38.000,00
16	379.574,49	1.138,72	1.394,61	2.533,33	378.179,88	18.713,21	21.820,12	40.533,33
17	378.179,88	1.134,54	1.398,79	2.533,33	376.781,09	19.847,75	23.218,91	43.066,67
18	376.781,09	1.130,34	1.402,99	2.533,33	375.378,10	20.978,10	24.621,90	45.600,00
19	375.378,10	1.126,13	1.407,20	2.533,33	373.970,90	22.104,23	26.029,10	48.133,33
20	373.970,90	1.121,91	1.411,42	2.533,33	372.559,48	23.226,14	27.440,52	50.666,67
21	372.559,48	1.117,68	1.415,65	2.533,33	371.143,82	24.343,82	28.856,18	53.200,00
22	371.143,82	1.113,43	1.419,90	2.533,33	369.723,92	25.457,25	30.276,08	55.733,33
23	369.723,92	1.109,17	1.424,16	2.533,33	368.299,76	26.566,43	31.700,24	58.266,67
24	368.299,76	1.104,90	1.428,43	2.533,33	366.871,32	27.671,32	33.128,68	60.800,00
25	366.871,32	1.100,61	1.432,72	2.533,33	365.438,61	28.771,94	34.561,39	63.333,33
26	365.438,61	1.096,32	1.437,02	2.533,33	364.001,59	29.868,25	35.998,41	65.866,67
27	364.001,59	1.092,00	1.441,33	2.533,33	362.560,26	30.960,26	37.439,74	68.400,00
28	362.560,26	1.087,68	1.445,65	2.533,33	361.114,61	32.047,94	38.885,39	70.933,33
29	361.114,61	1.083,34	1.449,99	2.533,33	359.664,62	33.131,28	40.335,38	73.466,67
30	359.664,62	1.078,99	1.454,34	2.533,33	358.210,28	34.210,28	41.789,72	76.000,00
31	358.210,28	1.074,63	1.458,70	2.533,33	356.751,58	35.284,91	43.248,42	78.533,33
32	356.751,58	1.070,25	1.463,08	2.533,33	355.288,50	36.355,16	44.711,50	81.066,67
33	355.288,50	1.065,87	1.467,47	2.533,33	353.821,03	37.421,03	46.178,97	83.600,00
34	353.821,03	1.061,46	1.471,87	2.533,33	352.349,16	38.482,49	47.650,84	86.133,33
35	352.349,16	1.057,05	1.476,29	2.533,33	350.872,87	39.539,54	49.127,13	88.666,67
36	350.872,87	1.052,62	1.480,71	2.533,33	349.392,16	40.592,16	50.607,84	91.200,00
37	349.392,16	1.048,18	1.485,16	2.533,33	347.907,00	41.640,33	52.093,00	93.733,33
38	347.907,00	1.043,72	1.489,61	2.533,33	346.417,39	42.684,06	53.582,61	96.266,67
39	346.417,39	1.039,25	1.494,08	2.533,33	344.923,31	43.723,31	55.076,69	98.800,00
40	344.923,31	1.034,77	1.498,56	2.533,33	343.424,74	44.758,08	56.575,26	101.333,33
41	343.424,74	1.030,27	1.503,06	2.533,33	341.921,69	45.788,35	58.078,31	103.866,67
42	341.921,69	1.025,77	1.507,57	2.533,33	340.414,12	46.814,12	59.585,88	106.400,00
43	340.414,12	1.021,24	1.512,09	2.533,33	338.902,03	47.835,36	61.097,97	108.933,33
44	338.902,03	1.016,71	1.516,63	2.533,33	337.385,40	48.852,07	62.614,60	111.466,67
45	337.385,40	1.012,16	1.521,18	2.533,33	335.864,22	49.864,22	64.135,78	114.000,00
46	335.864,22	1.007,59	1.525,74	2.533,33	334.338,48	50.871,81	65.661,52	116.533,33
47	334.338,48	1.003,02	1.530,32	2.533,33	332.808,16	51.874,83	67.191,84	119.066,67
48	332.808,16	998,42	1.534,91	2.533,33	331.273,25	52.873,25	68.726,75	121.600,00
49	331.273,25	993,82	1.539,51	2.533,33	329.733,74	53.867,07	70.266,26	124.133,33
50	329.733,74	989,20	1.544,13	2.533,33	328.189,61	54.856,28	71.810,39	126.666,67
51	328.189,61	984,57	1.548,76	2.533,33	326.640,84	55.840,84	73.359,16	129.200,00
52	326.640,84	979,92	1.553,41	2.533,33	325.087,43	56.820,77	74.912,57	131.733,33
53	325.087,43	975,26	1.558,07	2.533,33	323.529,36	57.796,03	76.470,64	134.266,67
54	323.529,36	970,59	1.562,75	2.533,33	321.966,62	58.766,62	78.033,38	136.800,00
55	321.966,62	965,90	1.567,43	2.533,33	320.399,18	59.732,52	79.600,82	139.333,33
56	320.399,18	961,20	1.572,14	2.533,33	318.827,05	60.693,71	81.172,95	141.866,67
57	318.827,05	956,48	1.576,85	2.533,33	317.250,20	61.650,20	82.749,80	144.400,00
58	317.250,20	951,75	1.581,58	2.533,33	315.668,61	62.601,95	84.331,39	146.933,33
59	315.668,61	947,01	1.586,33	2.533,33	314.082,29	63.548,95	85.917,71	149.466,67
60	314.082,29	942,25	1.591,09	2.533,33	312.491,20	64.491,20	87.508,80	152.000,00
61	312.491,20	937,47	1.595,86	2.533,33	310.895,34	65.428,67	89.104,66	154.533,33
62	310.895,34	932,69	1.600,65	2.533,33	309.294,69	66.361,36	90.705,31	157.066,67
63	309.294,69	927,88	1.605,45	2.533,33	307.689,24	67.289,24	92.310,76	159.600,00
64	307.689,24	923,07	1.610,27	2.533,33	306.078,98	68.212,31	93.921,02	162.133,33
65	306.078,98	918,24	1.615,10	2.533,33	304.463,88	69.130,55	95.536,12	164.666,67
66	304.463,88	913,39	1.619,94	2.533,33	302.843,94	70.043,94	97.156,06	167.200,00
67	302.843,94	908,53	1.624,80	2.533,33	301.219,14	70.952,47	98.780,86	169.733,33
68	301.219,14	903,66	1.629,68	2.533,33	299.589,46	71.856,13	100.410,54	172.266,67
69	299.589,46	898,77	1.634,56	2.533,33	297.954,90	72.754,90	102.045,10	174.800,00
70	297.954,90	893,86	1.639,47	2.533,33	296.315,43	73.648,76	103.684,57	177.333,33
71	296.315,43	888,95	1.644,39	2.533,33	294.671,04	74.537,71	105.328,96	179.866,67
72	294.671,04	884,01	1.649,32	2.533,33	293.021,72	75.421,72	106.978,28	182.400,00
73	293.021,72	879,07	1.654,27	2.533,33	291.367,45	76.300,79	108.632,55	184.933,33
74	291.367,45	874,10	1.659,23	2.533,33	289.708,22	77.174,89	110.291,78	187.466,67
75	289.708,22	869,12	1.664,21	2.533,33	288.044,01	78.044,01	111.955,99	190.000,00
76	288.044,01	864,13	1.669,20	2.533,33	286.374,81	78.908,14	113.625,19	192.533,33
77	286.374,81	859,12	1.674,21	2.533,33	284.700,60	79.767,27	115.299,40	195.066,67
78	284.700,60	854,10	1.679,23	2.533,33	283.021,37	80.621,37	116.978,63	197.600,00
79	283.021,37	849,06	1.684,27	2.533,33	281.337,10	81.470,43	118.662,90	200.133,33
80	281.337,10	844,01	1.689,32	2.533,33	279.647,78	82.314,45	120.352,22	202.666,67
81	279.647,78	838,94	1.694,39	2.533,33	277.953,39	83.153,39	122.046,61	205.200,00
82	277.953,39	833,86	1.699,47	2.533,33	276.253,92	83.987,25	123.746,08	207.733,33
83	276.253,92	828,76	1.704,57	2.533,33	274.549,34	84.816,01	125.450,66	210.266,67
84	274.549,34	823,65	1.709,69	2.533,33	272.839,66	85.639,66	127.160,34	212.800,00
85	272.839,66	818,52	1.714,81	2.533,33	271.124,85	86.458,18	128.875,15	215.333,33
86	271.124,85	813,37	1.719,96	2.533,33	269.404,89	87.271,55	130.595,11	217.866,67
87	269.404,89	808,21	1.725,12	2.533,33	267.679,77	88.079,77	132.320,23	220.400,00
88	267.679,77	803,04	1.730,29	2.533,33	265.949,47	88.882,81	134.050,53	222.933,33
89	265.949,47	797,85	1.735,48	2.533,33	264.213,99	89.680,66	135.786,01	225.466,67
90	264.213,99	792,64	1.740,69	2.533,33	262.473,30	90.473,30	137.526,70	228.000,00
91	262.473,30	787,42	1.745,91	2.533,33	260.727,38	91.260,72	139.272,62	230.533,33
92	260.727,38	782,18	1.751,15	2.533,33	258.976,23	92.042,90	141.023,77	233.066,67
93	258.976,23	776,93	1.756,40	2.533,33	257.219,83	92.819,83	142.780,17	235.600,00
94	257.219,83	771,66	1.761,67	2.533,33	255.458,15	93.591,49	144.541,85	238.133,33
95	255.458,15	766,37	1.766,96	2.533,33	253.691,20	94.357,86	146.308,80	240.666,67
96	253.691,20	761,07	1.772,26	2.533,33	251.918,94	95.118,94	148.081,06	243.200,00
97	251.918,94	755,76	1.777,58	2.533,33	250.141,36	95.874,69	149.858,64	245.733,33
98	250.141,36	750,42	1.782,91	2.533,33	248.358,45	96.625,12	151.641,55	248.266,67
99	248.358,45	745,08	1.788,26	2.533,33	246.570,19	97.370,19	153.429,81	250.800,00
100	246.570,19	739,71	1.793,62	2.533,33	244.776,57	98.109,90	155.223,43	253.333,33
101	244.776,57	734,33	1.799,00	2.533,33	242.977,57	98.844,23	157.022,43	255.866,67
102	242.977,57	728,93	1.804,40	2.533,33	241.173,16	99.573,16	158.826,84	258.400,00
103	241.173,16	723,52	1.809,81	2.533,33	239.363,35	100.296,68	160.636,65	260.933,33
104	239.363,35	718,09	1.815,24	2.533,33	237.548,11	101.014,77	162.451,89	263.466,67
105	237.548,11	712,64	1.820,69	2.533,33	235.727,42	101.727,42	164.272,58	266.000,00
106	235.727,42	707,18	1.826,15	2.533,33	233.901,27	102.434,60	166.098,73	268.533,33
107	233.901,27	701,70	1.831,63	2.533,33	232.069,64	103.136,30	167.930,36	271.066,67
108	232.069,64	696,21	1.837,12	2.533,33	230.232,51	103.832,51	169.767,49	273.600,00
109	230.232,51	690,70	1.842,64	2.533,33	228.389,88	104.523,21	171.610,12	276.133,33
110	228.389,88	685,17	1.848,16	2.533,33	226.541,71	105.208,38	173.458,29	278.666,67
111	226.541,71	679,63	1.853,71	2.533,33	224.688,01	105.888,01	175.311,99	281.200,00
112	224.688,01	674,06	1.859,27	2.533,33	222.828,74	106.562,07	177.171,26	283.733,33
113	222.828,74	668,49	1.864,85	2.533,33	220.963,89	107.230,56	179.036,11	286.266,67
114	220.963,89	662,89	1.870,44	2.533,33	219.093,45	107.893,45	180.906,55	288.800,00
115	219.093,45	657,28	1.876,05	2.533,33	217.217,39	108.550,73	182.782,61	291.333,33
116	217.217,39	651,65	1.881,68	2.533,33	215.335,71	109.202,38	184.664,29	293.866,67
117	215.335,71	646,01	1.887,33	2.533,33	213.448,39	109.848,39	186.551,61	296.400,00
118	213.448,39	640,35	1.892,99	2.533,33	211.555,40	110.488,73	188.444,60	298.933,33
119	211.555,40	634,67	1.898,67	2.533,33	209.656,73	111.123,40	190.343,27	301.466,67
120	209.656,73	628,97	1.904,36	2.533,33	207.752,37	111.752,37	192.247,63	304.000,00
121	207.752,37	623,26	1.910,08	2.533,33	205.842,29	112.375,63	194.157,71	306.533,33
122	205.842,29	617,53	1.915,81	2.533,33	203.926,49	112.993,15	196.073,51	309.066,67
123	203.926,49	611,78	1.921,55	2.533,33	202.004,93	113.604,93	197.995,07	311.600,00
124	202.004,93	606,01	1.927,32	2.533,33	200.077,61	114.210,95	199.922,39	314.133,33
125	200.077,61	600,23	1.933,10	2.533,33	198.144,51	114.811,18	201.855,49	316.666,67
126	198.144,51	594,43	1.938,90	2.533,33	196.205,61	115.405,61	203.794,39	319.200,00
127	196.205,61	588,62	1.944,72	2.533,33	194.260,90	115.994,23	205.739,10	321.733,33
128	194.260,90	582,78	1.950,55	2.533,33	192.310,35	116.577,01	207.689,65	324.266,67
129	192.310,35	576,93	1.956,40	2.533,33	190.353,94	117.153,94	209.646,06	326.800,00
130	190.353,94	571,06	1.962,27	2.533,33	188.391,67	117.725,01	211.608,33	329.333,33
131	188.391,67	565,18	1.968,16	2.533,33	186.423,51	118.290,18	213.576,49	331.866,67
132	186.423,51	559,27	1.974,06	2.533,33	184.449,45	118.849,45	215.550,55	334.400,00
133	184.449,45	553,35	1.979,98	2.533,33	182.469,47	119.402,80	217.530,53	336.933,33
134	182.469,47	547,41	1.985,92	2.533,33	180.483,54	119.950,21	219.516,46	339.466,67
135	180.483,54	541,45	1.991,88	2.533,33	178.491,66	120.491,66	221.508,34	342.000,00
136	178.491,66	535,47	1.997,86	2.533,33	176.493,80	121.027,13	223.506,20	344.533,33
137	176.493,80	529,48	2.003,85	2.533,33	174.489,95	121.556,62	225.510,05	347.066,67
138	174.489,95	523,47	2.009,86	2.533,33	172.480,09	122.080,09	227.519,91	349.600,00
139	172.480,09	517,44	2.015,89	2.533,33	170.464,19	122.597,53	229.535,81	352.133,33
140	170.464,19	511,39	2.021,94	2.533,33	168.442,25	123.108,92	231.557,75	354.666,67
141	168.442,25	505,33	2.028,01	2.533,33	166.414,24	123.614,24	233.585,76	357.200,00
142	166.414,24	499,24	2.034,09	2.533,33	164.380,15	124.113,49	235.619,85	359.733,33
143	164.380,15	493,14	2.040,19	2.533,33	162.339,96	124.606,63	237.660,04	362.266,67
144	162.339,96	487,02	2.046,31	2.533,33	160.293,65	125.093,65	239.706,35	364.800,00
145	160.293,65	480,88	2.052,45	2.533,33	158.241,20	125.574,53	241.758,80	367.333,33
146	158.241,20	474,72	2.058,61	2.533,33	156.182,59	126.049,25	243.817,41	369.866,67
147	156.182,59	468,55	2.064,79	2.533,33	154.117,80	126.517,80	245.882,20	372.400,00
148	154.117,80	462,35	2.070,98	2.533,33	152.046,82	126.980,15	247.953,18	374.933,33
149	152.046,82	456,14	2.077,19	2.533,33	149.969,63	127.436,29	250.030,37	377.466,67
150	149.969,63	449,91	2.083,42	2.533,33	147.886,20	127.886,20	252.113,80	380.000,00
151	147.886,20	443,66	2.089,67	2.533,33	145.796,53	128.329,86	254.203,47	382.533,33
152	145.796,53	437,39	2.095,94	2.533,33	143.700,58	128.767,25	256.299,42	385.066,67
153	143.700,58	431,10	2.102,23	2.533,33	141.598,35	129.198,35	258.401,65	387.600,00
154	141.598,35	424,80	2.108,54	2.533,33	139.489,81	129.623,15	260.510,19	390.133,33
155	139.489,81	418,47	2.114,86	2.533,33	137.374,95	130.041,62	262.625,05	392.666,67
156	137.374,95	412,12	2.121,21	2.533,33	135.253,74	130.453,74	264.746,26	395.200,00
157	135.253,74	405,76	2.127,57	2.533,33	133.126,17	130.859,50	266.873,83	397.733,33
158	133.126,17	399,38	2.133,95	2.533,33	130.992,22	131.258,88	269.007,78	400.266,67
159	130.992,22	392,98	2.140,36	2.533,33	128.851,86	131.651,86	271.148,14	402.800,00
160	128.851,86	386,56	2.146,78	2.533,33	126.705,08	132.038,41	273.294,92	405.333,33
161	126.705,08	380,12	2.153,22	2.533,33	124.551,86	132.418,53	275.448,14	407.866,67
162	124.551,86	373,66	2.159,68	2.533,33	122.392,19	132.792,19	277.607,81	410.400,00
163	122.392,19	367,18	2.166,16	2.533,33	120.226,03	133.159,36	279.773,97	412.933,33
164	120.226,03	360,68	2.172,66	2.533,33	118.053,37	133.520,04	281.946,63	415.466,67
165	118.053,37	354,16	2.179,17	2.533,33	115.874,20	133.874,20	284.125,80	418.000,00
166	115.874,20	347,62	2.185,71	2.533,33	113.688,49	134.221,82	286.311,51	420.533,33
167	113.688,49	341,07	2.192,27	2.533,33	111.496,22	134.562,89	288.503,78	423.066,67
168	111.496,22	334,49	2.198,84	2.533,33	109.297,38	134.897,38	290.702,62	425.600,00
169	109.297,38	327,89	2.205,44	2.533,33	107.091,94	135.225,27	292.908,06	428.133,33
170	107.091,94	321,28	2.212,06	2.533,33	104.879,88	135.546,54	295.120,12	430.666,67
171	104.879,88	314,64	2.218,69	2.533,33	102.661,18	135.861,18	297.338,82	433.200,00
172	102.661,18	307,98	2.225,35	2.533,33	100.435,83	136.169,17	299.564,17	435.733,33
173	100.435,83	301,31	2.232,03	2.533,33	98.203,81	136.470,48	301.796,19	438.266,67
174	98.203,81	294,61	2.238,72	2.533,33	95.965,09	136.765,09	304.034,91	440.800,00
175	95.965,09	287,90	2.245,44	2.533,33	93.719,65	137.052,98	306.280,35	443.333,33
176	93.719,65	281,16	2.252,17	2.533,33	91.467,47	137.334,14	308.532,53	445.866,67
177	91.467,47	274,40	2.258,93	2.533,33	89.208,54	137.608,54	310.791,46	448.400,00
178	89.208,54	267,63	2.265,71	2.533,33	86.942,84	137.876,17	313.057,16	450.933,33
179	86.942,84	260,83	2.272,50	2.533,33	84.670,33	138.137,00	315.329,67	453.466,67
180	84.670,33	254,01	2.279,32	2.533,33	82.391,01	138.391,01	317.608,99	456.000,00
181	82.391,01	247,17	2.286,16	2.533,33	80.104,85	138.638,18	319.895,15	458.533,33
182	80.104,85	240,31	2.293,02	2.533,33	77.811,83	138.878,50	322.188,17	461.066,67
183	77.811,83	233,44	2.299,90	2.533,33	75.511,93	139.111,93	324.488,07	463.600,00
184	75.511,93	226,54	2.306,80	2.533,33	73.205,13	139.338,47	326.794,87	466.133,33
185	73.205,13	219,62	2.313,72	2.533,33	70.891,42	139.558,08	329.108,58	468.666,67
186	70.891,42	212,67	2.320,66	2.533,33	68.570,76	139.770,76	331.429,24	471.200,00
187	68.570,76	205,71	2.327,62	2.533,33	66.243,14	139.976,47	333.756,86	473.733,33
188	66.243,14	198,73	2.334,60	2.533,33	63.908,53	140.175,20	336.091,47	476.266,67
189	63.908,53	191,73	2.341,61	2.533,33	61.566,92	140.366,92	338.433,08	478.800,00
190	61.566,92	184,70	2.348,63	2.533,33	59.218,29	140.551,63	340.781,71	481.333,33
191	59.218,29	177,65	2.355,68	2.533,33	56.862,61	140.729,28	343.137,39	483.866,67
192	56.862,61	170,59	2.362,75	2.533,33	54.499,87	140.899,87	345.500,13	486.400,00
193	54.499,87	163,50	2.369,83	2.533,33	52.130,03	141.063,37	347.869,97	488.933,33
194	52.130,03	156,39	2.376,94	2.533,33	49.753,09	141.219,76	350.246,91	491.466,67
195	49.753,09	149,26	2.384,07	2.533,33	47.369,02	141.369,02	352.630,98	494.000,00
196	47.369,02	142,11	2.391,23	2.533,33	44.977,79	141.511,12	355.022,21	496.533,33
197	44.977,79	134,93	2.398,40	2.533,33	42.579,39	141.646,06	357.420,61	499.066,67
198	42.579,39	127,74	2.405,60	2.533,33	40.173,80	141.773,80	359.826,20	501.600,00
199	40.173,80	120,52	2.412,81	2.533,33	37.760,98	141.894,32	362.239,02	504.133,33
200	37.760,98	113,28	2.420,05	2.533,33	35.340,93	142.007,60	364.659,07	506.666,67
201	35.340,93	106,02	2.427,31	2.533,33	32.913,62	142.113,62	367.086,38	509.200,00
202	32.913,62	98,74	2.434,59	2.533,33	30.479,03	142.212,36	369.520,97	511.733,33
203	30.479,03	91,44	2.441,90	2.533,33	28.037,13	142.303,80	371.962,87	514.266,67
204	28.037,13	84,11	2.449,22	2.533,33	25.587,91	142.387,91	374.412,09	516.800,00
205	25.587,91	76,76	2.456,57	2.533,33	23.131,34	142.464,68	376.868,66	519.333,33
206	23.131,34	69,39	2.463,94	2.533,33	20.667,40	142.534,07	379.332,60	521.866,67
207	20.667,40	62,00	2.471,33	2.533,33	18.196,07	142.596,07	381.803,93	524.400,00
208	18.196,07	54,59	2.478,75	2.533,33	15.717,33	142.650,66	384.282,67	526.933,33
209	15.717,33	47,15	2.486,18	2.533,33	13.231,15	142.697,81	386.768,85	529.466,67
210	13.231,15	39,69	2.493,64	2.533,33	10.737,51	142.737,51	389.262,49	532.000,00
211	10.737,51	32,21	2.501,12	2.533,33	8.236,38	142.769,72	391.763,62	534.533,33
212	8.236,38	24,71	2.508,62	2.533,33	5.727,76	142.794,43	394.272,24	537.066,67
213	5.727,76	17,18	2.516,15	2.533,33	3.211,61	142.811,61	396.788,39	539.600,00
214	3.211,61	9,63	2.523,70	2.533,33	687,91	142.821,25	399.312,09	542.133,33
215	687,91	2,06	687,91	687,91	687,91	142.823,31	400.000,00	542.823,31

creditweb Baufinanzierung

3.90/5,00

145.703,51€
Zinsanteil

2.563,33€
Monatsrate

3,69%
Sollzins p.a.

3,76%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 150.000,00 €;Kreditrate: 675,00 €;Gesamtbetrag: 162.000,00 €;Anzahl Kreditraten: 240;Laufzeit: 240 Monate;Effektiver Jahreszins: 3,48 %;Gebundener Sollzins: 3,40 %;

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

Stand der Daten: 16.09.2024

Voraussetzung für eine Finanzierung ohne Eigenmittel

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

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

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

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

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

Finanzierung der Erwerbsnebenkosten

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

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

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

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

Baufinanzierungen mit und ohne Eigenkapital im direkten Vergleich

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

Quelle: Dr. Klein

Auswirkungen der Wohnimmobilien-Kreditrichtlinie

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

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

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

Eigenkapitalersatz – auch das gibt es

KfW

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

Arbeitgeberdarlehen

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

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

Eigenleistung

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

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

Versicherungspolicen

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

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

Kostenloses Angebot für individuelle Baufinanzierung anfordern

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

Weiterführende Informationen

(1) KfW-Programm 124 – KfW-Wohneigentumsprogramm

Vollfinanzierung – Hauskauf ohne Eigenkapital

Der Beleihungsauslauf

Kosten für Immobilien-Vollfinanzierung berechnen

Filter

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Weitere Infos zur Berechnung

Allgemeine Infos

Repräsentatives Beispiel nach §6a PAngV

Voraussetzung für eine Finanzierung ohne Eigenmittel

Finanzierung der Erwerbsnebenkosten

Baufinanzierungen mit und ohne Eigenkapital im direkten Vergleich

Auswirkungen der Wohnimmobilien-Kreditrichtlinie

Eigenkapitalersatz – auch das gibt es

KfW

Arbeitgeberdarlehen

Eigenleistung

Versicherungspolicen

Kostenloses Angebot für individuelle Baufinanzierung anfordern

Weiterführende Informationen