Vollfinanzierung – Hauskauf ohne Eigenkapital

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

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

Wichtige Informationen

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

Der Beleihungsauslauf

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

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

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

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

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

Kosten für Immobilien-Vollfinanzierung berechnen

Kaufpreis €

Eigenkapital €

Bundesland

Tilgungssatz

Sollzinsbindung

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

creditweb Baufinanzierung

3.81/5,00

105.454,37€
Zinsanteil

2.166,67€
Monatsrate

2,50%
Sollzins p.a.

2,54%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 100.000,00 €;Kreditrate: 365,00 €;Gesamtbetrag: 43.800,00 €;Anzahl Kreditraten: 120;Laufzeit: 120 Monate;Effektiver Jahreszins: 2,38 %;Gebundener Sollzins: 2,34 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	833,33	1.333,33	2.166,67	398.666,67	833,33	1.333,33	2.166,67
2	398.666,67	830,56	1.336,11	2.166,67	397.330,56	1.663,89	2.669,44	4.333,33
3	397.330,56	827,77	1.338,89	2.166,67	395.991,66	2.491,66	4.008,34	6.500,00
4	395.991,66	824,98	1.341,68	2.166,67	394.649,98	3.316,64	5.350,02	8.666,67
5	394.649,98	822,19	1.344,48	2.166,67	393.305,50	4.138,83	6.694,50	10.833,33
6	393.305,50	819,39	1.347,28	2.166,67	391.958,22	4.958,22	8.041,78	13.000,00
7	391.958,22	816,58	1.350,09	2.166,67	390.608,13	5.774,80	9.391,87	15.166,67
8	390.608,13	813,77	1.352,90	2.166,67	389.255,23	6.588,56	10.744,77	17.333,33
9	389.255,23	810,95	1.355,72	2.166,67	387.899,51	7.399,51	12.100,49	19.500,00
10	387.899,51	808,12	1.358,54	2.166,67	386.540,97	8.207,64	13.459,03	21.666,67
11	386.540,97	805,29	1.361,37	2.166,67	385.179,60	9.012,93	14.820,40	23.833,33
12	385.179,60	802,46	1.364,21	2.166,67	383.815,39	9.815,39	16.184,61	26.000,00
13	383.815,39	799,62	1.367,05	2.166,67	382.448,34	10.615,00	17.551,66	28.166,67
14	382.448,34	796,77	1.369,90	2.166,67	381.078,44	11.411,77	18.921,56	30.333,33
15	381.078,44	793,91	1.372,75	2.166,67	379.705,68	12.205,68	20.294,32	32.500,00
16	379.705,68	791,05	1.375,61	2.166,67	378.330,07	12.996,74	21.669,93	34.666,67
17	378.330,07	788,19	1.378,48	2.166,67	376.951,59	13.784,92	23.048,41	36.833,33
18	376.951,59	785,32	1.381,35	2.166,67	375.570,24	14.570,24	24.429,76	39.000,00
19	375.570,24	782,44	1.384,23	2.166,67	374.186,01	15.352,68	25.813,99	41.166,67
20	374.186,01	779,55	1.387,11	2.166,67	372.798,90	16.132,23	27.201,10	43.333,33
21	372.798,90	776,66	1.390,00	2.166,67	371.408,90	16.908,90	28.591,10	45.500,00
22	371.408,90	773,77	1.392,90	2.166,67	370.016,00	17.682,67	29.984,00	47.666,67
23	370.016,00	770,87	1.395,80	2.166,67	368.620,20	18.453,53	31.379,80	49.833,33
24	368.620,20	767,96	1.398,71	2.166,67	367.221,49	19.221,49	32.778,51	52.000,00
25	367.221,49	765,04	1.401,62	2.166,67	365.819,87	19.986,54	34.180,13	54.166,67
26	365.819,87	762,12	1.404,54	2.166,67	364.415,33	20.748,66	35.584,67	56.333,33
27	364.415,33	759,20	1.407,47	2.166,67	363.007,86	21.507,86	36.992,14	58.500,00
28	363.007,86	756,27	1.410,40	2.166,67	361.597,46	22.264,13	38.402,54	60.666,67
29	361.597,46	753,33	1.413,34	2.166,67	360.184,12	23.017,45	39.815,88	62.833,33
30	360.184,12	750,38	1.416,28	2.166,67	358.767,84	23.767,84	41.232,16	65.000,00
31	358.767,84	747,43	1.419,23	2.166,67	357.348,60	24.515,27	42.651,40	67.166,67
32	357.348,60	744,48	1.422,19	2.166,67	355.926,41	25.259,75	44.073,59	69.333,33
33	355.926,41	741,51	1.425,15	2.166,67	354.501,26	26.001,26	45.498,74	71.500,00
34	354.501,26	738,54	1.428,12	2.166,67	353.073,14	26.739,80	46.926,86	73.666,67
35	353.073,14	735,57	1.431,10	2.166,67	351.642,04	27.475,37	48.357,96	75.833,33
36	351.642,04	732,59	1.434,08	2.166,67	350.207,96	28.207,96	49.792,04	78.000,00
37	350.207,96	729,60	1.437,07	2.166,67	348.770,89	28.937,56	51.229,11	80.166,67
38	348.770,89	726,61	1.440,06	2.166,67	347.330,83	29.664,17	52.669,17	82.333,33
39	347.330,83	723,61	1.443,06	2.166,67	345.887,77	30.387,77	54.112,23	84.500,00
40	345.887,77	720,60	1.446,07	2.166,67	344.441,71	31.108,37	55.558,29	86.666,67
41	344.441,71	717,59	1.449,08	2.166,67	342.992,63	31.825,96	57.007,37	88.833,33
42	342.992,63	714,57	1.452,10	2.166,67	341.540,53	32.540,53	58.459,47	91.000,00
43	341.540,53	711,54	1.455,12	2.166,67	340.085,40	33.252,07	59.914,60	93.166,67
44	340.085,40	708,51	1.458,16	2.166,67	338.627,25	33.960,58	61.372,75	95.333,33
45	338.627,25	705,47	1.461,19	2.166,67	337.166,05	34.666,05	62.833,95	97.500,00
46	337.166,05	702,43	1.464,24	2.166,67	335.701,82	35.368,48	64.298,18	99.666,67
47	335.701,82	699,38	1.467,29	2.166,67	334.234,53	36.067,86	65.765,47	101.833,33
48	334.234,53	696,32	1.470,34	2.166,67	332.764,18	36.764,18	67.235,82	104.000,00
49	332.764,18	693,26	1.473,41	2.166,67	331.290,78	37.457,44	68.709,22	106.166,67
50	331.290,78	690,19	1.476,48	2.166,67	329.814,30	38.147,63	70.185,70	108.333,33
51	329.814,30	687,11	1.479,55	2.166,67	328.334,75	38.834,75	71.665,25	110.500,00
52	328.334,75	684,03	1.482,64	2.166,67	326.852,11	39.518,78	73.147,89	112.666,67
53	326.852,11	680,94	1.485,72	2.166,67	325.366,38	40.199,72	74.633,62	114.833,33
54	325.366,38	677,85	1.488,82	2.166,67	323.877,56	40.877,56	76.122,44	117.000,00
55	323.877,56	674,74	1.491,92	2.166,67	322.385,64	41.552,31	77.614,36	119.166,67
56	322.385,64	671,64	1.495,03	2.166,67	320.890,61	42.223,95	79.109,39	121.333,33
57	320.890,61	668,52	1.498,14	2.166,67	319.392,47	42.892,47	80.607,53	123.500,00
58	319.392,47	665,40	1.501,27	2.166,67	317.891,20	43.557,87	82.108,80	125.666,67
59	317.891,20	662,27	1.504,39	2.166,67	316.386,81	44.220,14	83.613,19	127.833,33
60	316.386,81	659,14	1.507,53	2.166,67	314.879,28	44.879,28	85.120,72	130.000,00
61	314.879,28	656,00	1.510,67	2.166,67	313.368,61	45.535,28	86.631,39	132.166,67
62	313.368,61	652,85	1.513,82	2.166,67	311.854,80	46.188,13	88.145,20	134.333,33
63	311.854,80	649,70	1.516,97	2.166,67	310.337,83	46.837,83	89.662,17	136.500,00
64	310.337,83	646,54	1.520,13	2.166,67	308.817,70	47.484,37	91.182,30	138.666,67
65	308.817,70	643,37	1.523,30	2.166,67	307.294,40	48.127,74	92.705,60	140.833,33
66	307.294,40	640,20	1.526,47	2.166,67	305.767,93	48.767,93	94.232,07	143.000,00
67	305.767,93	637,02	1.529,65	2.166,67	304.238,28	49.404,95	95.761,72	145.166,67
68	304.238,28	633,83	1.532,84	2.166,67	302.705,45	50.038,78	97.294,55	147.333,33
69	302.705,45	630,64	1.536,03	2.166,67	301.169,42	50.669,42	98.830,58	149.500,00
70	301.169,42	627,44	1.539,23	2.166,67	299.630,19	51.296,85	100.369,81	151.666,67
71	299.630,19	624,23	1.542,44	2.166,67	298.087,75	51.921,08	101.912,25	153.833,33
72	298.087,75	621,02	1.545,65	2.166,67	296.542,10	52.542,10	103.457,90	156.000,00
73	296.542,10	617,80	1.548,87	2.166,67	294.993,23	53.159,89	105.006,77	158.166,67
74	294.993,23	614,57	1.552,10	2.166,67	293.441,13	53.774,46	106.558,87	160.333,33
75	293.441,13	611,34	1.555,33	2.166,67	291.885,80	54.385,80	108.114,20	162.500,00
76	291.885,80	608,10	1.558,57	2.166,67	290.327,23	54.993,89	109.672,77	164.666,67
77	290.327,23	604,85	1.561,82	2.166,67	288.765,41	55.598,74	111.234,59	166.833,33
78	288.765,41	601,59	1.565,07	2.166,67	287.200,34	56.200,34	112.799,66	169.000,00
79	287.200,34	598,33	1.568,33	2.166,67	285.632,00	56.798,67	114.368,00	171.166,67
80	285.632,00	595,07	1.571,60	2.166,67	284.060,40	57.393,74	115.939,60	173.333,33
81	284.060,40	591,79	1.574,87	2.166,67	282.485,53	57.985,53	117.514,47	175.500,00
82	282.485,53	588,51	1.578,16	2.166,67	280.907,38	58.574,04	119.092,62	177.666,67
83	280.907,38	585,22	1.581,44	2.166,67	279.325,93	59.159,27	120.674,07	179.833,33
84	279.325,93	581,93	1.584,74	2.166,67	277.741,19	59.741,19	122.258,81	182.000,00
85	277.741,19	578,63	1.588,04	2.166,67	276.153,16	60.319,82	123.846,84	184.166,67
86	276.153,16	575,32	1.591,35	2.166,67	274.561,81	60.895,14	125.438,19	186.333,33
87	274.561,81	572,00	1.594,66	2.166,67	272.967,15	61.467,15	127.032,85	188.500,00
88	272.967,15	568,68	1.597,99	2.166,67	271.369,16	62.035,83	128.630,84	190.666,67
89	271.369,16	565,35	1.601,31	2.166,67	269.767,85	62.601,18	130.232,15	192.833,33
90	269.767,85	562,02	1.604,65	2.166,67	268.163,20	63.163,20	131.836,80	195.000,00
91	268.163,20	558,67	1.607,99	2.166,67	266.555,20	63.721,87	133.444,80	197.166,67
92	266.555,20	555,32	1.611,34	2.166,67	264.943,86	64.277,19	135.056,14	199.333,33
93	264.943,86	551,97	1.614,70	2.166,67	263.329,16	64.829,16	136.670,84	201.500,00
94	263.329,16	548,60	1.618,06	2.166,67	261.711,09	65.377,76	138.288,91	203.666,67
95	261.711,09	545,23	1.621,44	2.166,67	260.089,66	65.922,99	139.910,34	205.833,33
96	260.089,66	541,85	1.624,81	2.166,67	258.464,85	66.464,85	141.535,15	208.000,00
97	258.464,85	538,47	1.628,20	2.166,67	256.836,65	67.003,31	143.163,35	210.166,67
98	256.836,65	535,08	1.631,59	2.166,67	255.205,06	67.538,39	144.794,94	212.333,33
99	255.205,06	531,68	1.634,99	2.166,67	253.570,07	68.070,07	146.429,93	214.500,00
100	253.570,07	528,27	1.638,40	2.166,67	251.931,67	68.598,34	148.068,33	216.666,67
101	251.931,67	524,86	1.641,81	2.166,67	250.289,86	69.123,20	149.710,14	218.833,33
102	250.289,86	521,44	1.645,23	2.166,67	248.644,63	69.644,63	151.355,37	221.000,00
103	248.644,63	518,01	1.648,66	2.166,67	246.995,98	70.162,64	153.004,02	223.166,67
104	246.995,98	514,57	1.652,09	2.166,67	245.343,88	70.677,22	154.656,12	225.333,33
105	245.343,88	511,13	1.655,53	2.166,67	243.688,35	71.188,35	156.311,65	227.500,00
106	243.688,35	507,68	1.658,98	2.166,67	242.029,37	71.696,04	157.970,63	229.666,67
107	242.029,37	504,23	1.662,44	2.166,67	240.366,93	72.200,26	159.633,07	231.833,33
108	240.366,93	500,76	1.665,90	2.166,67	238.701,03	72.701,03	161.298,97	234.000,00
109	238.701,03	497,29	1.669,37	2.166,67	237.031,65	73.198,32	162.968,35	236.166,67
110	237.031,65	493,82	1.672,85	2.166,67	235.358,80	73.692,14	164.641,20	238.333,33
111	235.358,80	490,33	1.676,34	2.166,67	233.682,47	74.182,47	166.317,53	240.500,00
112	233.682,47	486,84	1.679,83	2.166,67	232.002,64	74.669,31	167.997,36	242.666,67
113	232.002,64	483,34	1.683,33	2.166,67	230.319,31	75.152,65	169.680,69	244.833,33
114	230.319,31	479,83	1.686,83	2.166,67	228.632,48	75.632,48	171.367,52	247.000,00
115	228.632,48	476,32	1.690,35	2.166,67	226.942,13	76.108,80	173.057,87	249.166,67
116	226.942,13	472,80	1.693,87	2.166,67	225.248,26	76.581,59	174.751,74	251.333,33
117	225.248,26	469,27	1.697,40	2.166,67	223.550,86	77.050,86	176.449,14	253.500,00
118	223.550,86	465,73	1.700,94	2.166,67	221.849,92	77.516,59	178.150,08	255.666,67
119	221.849,92	462,19	1.704,48	2.166,67	220.145,44	77.978,78	179.854,56	257.833,33
120	220.145,44	458,64	1.708,03	2.166,67	218.437,41	78.437,41	181.562,59	260.000,00
121	218.437,41	455,08	1.711,59	2.166,67	216.725,82	78.892,49	183.274,18	262.166,67
122	216.725,82	451,51	1.715,15	2.166,67	215.010,67	79.344,00	184.989,33	264.333,33
123	215.010,67	447,94	1.718,73	2.166,67	213.291,94	79.791,94	186.708,06	266.500,00
124	213.291,94	444,36	1.722,31	2.166,67	211.569,63	80.236,30	188.430,37	268.666,67
125	211.569,63	440,77	1.725,90	2.166,67	209.843,74	80.677,07	190.156,26	270.833,33
126	209.843,74	437,17	1.729,49	2.166,67	208.114,24	81.114,24	191.885,76	273.000,00
127	208.114,24	433,57	1.733,10	2.166,67	206.381,15	81.547,82	193.618,85	275.166,67
128	206.381,15	429,96	1.736,71	2.166,67	204.644,44	81.977,78	195.355,56	277.333,33
129	204.644,44	426,34	1.740,32	2.166,67	202.904,12	82.404,12	197.095,88	279.500,00
130	202.904,12	422,72	1.743,95	2.166,67	201.160,17	82.826,84	198.839,83	281.666,67
131	201.160,17	419,08	1.747,58	2.166,67	199.412,59	83.245,92	200.587,41	283.833,33
132	199.412,59	415,44	1.751,22	2.166,67	197.661,36	83.661,36	202.338,64	286.000,00
133	197.661,36	411,79	1.754,87	2.166,67	195.906,49	84.073,16	204.093,51	288.166,67
134	195.906,49	408,14	1.758,53	2.166,67	194.147,96	84.481,30	205.852,04	290.333,33
135	194.147,96	404,47	1.762,19	2.166,67	192.385,77	84.885,77	207.614,23	292.500,00
136	192.385,77	400,80	1.765,86	2.166,67	190.619,91	85.286,57	209.380,09	294.666,67
137	190.619,91	397,12	1.769,54	2.166,67	188.850,37	85.683,70	211.149,63	296.833,33
138	188.850,37	393,44	1.773,23	2.166,67	187.077,14	86.077,14	212.922,86	299.000,00
139	187.077,14	389,74	1.776,92	2.166,67	185.300,21	86.466,88	214.699,79	301.166,67
140	185.300,21	386,04	1.780,62	2.166,67	183.519,59	86.852,92	216.480,41	303.333,33
141	183.519,59	382,33	1.784,33	2.166,67	181.735,26	87.235,26	218.264,74	305.500,00
142	181.735,26	378,62	1.788,05	2.166,67	179.947,20	87.613,87	220.052,80	307.666,67
143	179.947,20	374,89	1.791,78	2.166,67	178.155,43	87.988,76	221.844,57	309.833,33
144	178.155,43	371,16	1.795,51	2.166,67	176.359,92	88.359,92	223.640,08	312.000,00
145	176.359,92	367,42	1.799,25	2.166,67	174.560,67	88.727,33	225.439,33	314.166,67
146	174.560,67	363,67	1.803,00	2.166,67	172.757,67	89.091,00	227.242,33	316.333,33
147	172.757,67	359,91	1.806,75	2.166,67	170.950,91	89.450,91	229.049,09	318.500,00
148	170.950,91	356,15	1.810,52	2.166,67	169.140,40	89.807,06	230.859,60	320.666,67
149	169.140,40	352,38	1.814,29	2.166,67	167.326,11	90.159,44	232.673,89	322.833,33
150	167.326,11	348,60	1.818,07	2.166,67	165.508,03	90.508,03	234.491,97	325.000,00
151	165.508,03	344,81	1.821,86	2.166,67	163.686,18	90.852,84	236.313,82	327.166,67
152	163.686,18	341,01	1.825,65	2.166,67	161.860,52	91.193,86	238.139,48	329.333,33
153	161.860,52	337,21	1.829,46	2.166,67	160.031,07	91.531,07	239.968,93	331.500,00
154	160.031,07	333,40	1.833,27	2.166,67	158.197,80	91.864,46	241.802,20	333.666,67
155	158.197,80	329,58	1.837,09	2.166,67	156.360,71	92.194,04	243.639,29	335.833,33
156	156.360,71	325,75	1.840,92	2.166,67	154.519,79	92.519,79	245.480,21	338.000,00
157	154.519,79	321,92	1.844,75	2.166,67	152.675,04	92.841,71	247.324,96	340.166,67
158	152.675,04	318,07	1.848,59	2.166,67	150.826,45	93.159,78	249.173,55	342.333,33
159	150.826,45	314,22	1.852,44	2.166,67	148.974,00	93.474,00	251.026,00	344.500,00
160	148.974,00	310,36	1.856,30	2.166,67	147.117,70	93.784,37	252.882,30	346.666,67
161	147.117,70	306,50	1.860,17	2.166,67	145.257,53	94.090,86	254.742,47	348.833,33
162	145.257,53	302,62	1.864,05	2.166,67	143.393,48	94.393,48	256.606,52	351.000,00
163	143.393,48	298,74	1.867,93	2.166,67	141.525,55	94.692,22	258.474,45	353.166,67
164	141.525,55	294,84	1.871,82	2.166,67	139.653,73	94.987,06	260.346,27	355.333,33
165	139.653,73	290,95	1.875,72	2.166,67	137.778,01	95.278,01	262.221,99	357.500,00
166	137.778,01	287,04	1.879,63	2.166,67	135.898,38	95.565,05	264.101,62	359.666,67
167	135.898,38	283,12	1.883,55	2.166,67	134.014,83	95.848,17	265.985,17	361.833,33
168	134.014,83	279,20	1.887,47	2.166,67	132.127,37	96.127,37	267.872,63	364.000,00
169	132.127,37	275,27	1.891,40	2.166,67	130.235,96	96.402,63	269.764,04	366.166,67
170	130.235,96	271,32	1.895,34	2.166,67	128.340,62	96.673,96	271.659,38	368.333,33
171	128.340,62	267,38	1.899,29	2.166,67	126.441,33	96.941,33	273.558,67	370.500,00
172	126.441,33	263,42	1.903,25	2.166,67	124.538,08	97.204,75	275.461,92	372.666,67
173	124.538,08	259,45	1.907,21	2.166,67	122.630,87	97.464,21	277.369,13	374.833,33
174	122.630,87	255,48	1.911,19	2.166,67	120.719,69	97.719,69	279.280,31	377.000,00
175	120.719,69	251,50	1.915,17	2.166,67	118.804,52	97.971,19	281.195,48	379.166,67
176	118.804,52	247,51	1.919,16	2.166,67	116.885,36	98.218,70	283.114,64	381.333,33
177	116.885,36	243,51	1.923,16	2.166,67	114.962,21	98.462,21	285.037,79	383.500,00
178	114.962,21	239,50	1.927,16	2.166,67	113.035,04	98.701,71	286.964,96	385.666,67
179	113.035,04	235,49	1.931,18	2.166,67	111.103,87	98.937,20	288.896,13	387.833,33
180	111.103,87	231,47	1.935,20	2.166,67	109.168,67	99.168,67	290.831,33	390.000,00
181	109.168,67	227,43	1.939,23	2.166,67	107.229,44	99.396,10	292.770,56	392.166,67
182	107.229,44	223,39	1.943,27	2.166,67	105.286,16	99.619,50	294.713,84	394.333,33
183	105.286,16	219,35	1.947,32	2.166,67	103.338,84	99.838,84	296.661,16	396.500,00
184	103.338,84	215,29	1.951,38	2.166,67	101.387,47	100.054,13	298.612,53	398.666,67
185	101.387,47	211,22	1.955,44	2.166,67	99.432,02	100.265,36	300.567,98	400.833,33
186	99.432,02	207,15	1.959,52	2.166,67	97.472,51	100.472,51	302.527,49	403.000,00
187	97.472,51	203,07	1.963,60	2.166,67	95.508,91	100.675,57	304.491,09	405.166,67
188	95.508,91	198,98	1.967,69	2.166,67	93.541,22	100.874,55	306.458,78	407.333,33
189	93.541,22	194,88	1.971,79	2.166,67	91.569,43	101.069,43	308.430,57	409.500,00
190	91.569,43	190,77	1.975,90	2.166,67	89.593,53	101.260,20	310.406,47	411.666,67
191	89.593,53	186,65	1.980,01	2.166,67	87.613,52	101.446,85	312.386,48	413.833,33
192	87.613,52	182,53	1.984,14	2.166,67	85.629,38	101.629,38	314.370,62	416.000,00
193	85.629,38	178,39	1.988,27	2.166,67	83.641,11	101.807,77	316.358,89	418.166,67
194	83.641,11	174,25	1.992,41	2.166,67	81.648,69	101.982,03	318.351,31	420.333,33
195	81.648,69	170,10	1.996,57	2.166,67	79.652,13	102.152,13	320.347,87	422.500,00
196	79.652,13	165,94	2.000,72	2.166,67	77.651,40	102.318,07	322.348,60	424.666,67
197	77.651,40	161,77	2.004,89	2.166,67	75.646,51	102.479,84	324.353,49	426.833,33
198	75.646,51	157,60	2.009,07	2.166,67	73.637,44	102.637,44	326.362,56	429.000,00
199	73.637,44	153,41	2.013,26	2.166,67	71.624,18	102.790,85	328.375,82	431.166,67
200	71.624,18	149,22	2.017,45	2.166,67	69.606,74	102.940,07	330.393,26	433.333,33
201	69.606,74	145,01	2.021,65	2.166,67	67.585,08	103.085,08	332.414,92	435.500,00
202	67.585,08	140,80	2.025,86	2.166,67	65.559,22	103.225,88	334.440,78	437.666,67
203	65.559,22	136,58	2.030,08	2.166,67	63.529,13	103.362,47	336.470,87	439.833,33
204	63.529,13	132,35	2.034,31	2.166,67	61.494,82	103.494,82	338.505,18	442.000,00
205	61.494,82	128,11	2.038,55	2.166,67	59.456,27	103.622,93	340.543,73	444.166,67
206	59.456,27	123,87	2.042,80	2.166,67	57.413,47	103.746,80	342.586,53	446.333,33
207	57.413,47	119,61	2.047,06	2.166,67	55.366,41	103.866,41	344.633,59	448.500,00
208	55.366,41	115,35	2.051,32	2.166,67	53.315,09	103.981,76	346.684,91	450.666,67
209	53.315,09	111,07	2.055,59	2.166,67	51.259,50	104.092,83	348.740,50	452.833,33
210	51.259,50	106,79	2.059,88	2.166,67	49.199,62	104.199,62	350.800,38	455.000,00
211	49.199,62	102,50	2.064,17	2.166,67	47.135,45	104.302,12	352.864,55	457.166,67
212	47.135,45	98,20	2.068,47	2.166,67	45.066,99	104.400,32	354.933,01	459.333,33
213	45.066,99	93,89	2.072,78	2.166,67	42.994,21	104.494,21	357.005,79	461.500,00
214	42.994,21	89,57	2.077,10	2.166,67	40.917,11	104.583,78	359.082,89	463.666,67
215	40.917,11	85,24	2.081,42	2.166,67	38.835,69	104.669,02	361.164,31	465.833,33
216	38.835,69	80,91	2.085,76	2.166,67	36.749,93	104.749,93	363.250,07	468.000,00
217	36.749,93	76,56	2.090,10	2.166,67	34.659,83	104.826,49	365.340,17	470.166,67
218	34.659,83	72,21	2.094,46	2.166,67	32.565,37	104.898,70	367.434,63	472.333,33
219	32.565,37	67,84	2.098,82	2.166,67	30.466,55	104.966,55	369.533,45	474.500,00
220	30.466,55	63,47	2.103,19	2.166,67	28.363,35	105.030,02	371.636,65	476.666,67
221	28.363,35	59,09	2.107,58	2.166,67	26.255,78	105.089,11	373.744,22	478.833,33
222	26.255,78	54,70	2.111,97	2.166,67	24.143,81	105.143,81	375.856,19	481.000,00
223	24.143,81	50,30	2.116,37	2.166,67	22.027,44	105.194,11	377.972,56	483.166,67
224	22.027,44	45,89	2.120,78	2.166,67	19.906,67	105.240,00	380.093,33	485.333,33
225	19.906,67	41,47	2.125,19	2.166,67	17.781,47	105.281,47	382.218,53	487.500,00
226	17.781,47	37,04	2.129,62	2.166,67	15.651,85	105.318,52	384.348,15	489.666,67
227	15.651,85	32,61	2.134,06	2.166,67	13.517,79	105.351,12	386.482,21	491.833,33
228	13.517,79	28,16	2.138,50	2.166,67	11.379,29	105.379,29	388.620,71	494.000,00
229	11.379,29	23,71	2.142,96	2.166,67	9.236,33	105.402,99	390.763,67	496.166,67
230	9.236,33	19,24	2.147,42	2.166,67	7.088,90	105.422,24	392.911,10	498.333,33
231	7.088,90	14,77	2.151,90	2.166,67	4.937,00	105.437,00	395.063,00	500.500,00
232	4.937,00	10,29	2.156,38	2.166,67	2.780,62	105.447,29	397.219,38	502.666,67
233	2.780,62	5,79	2.160,87	2.166,67	619,75	105.453,08	399.380,25	504.833,33
234	619,75	1,29	619,75	619,75	619,75	105.454,37	400.000,00	505.454,37

immo-finanzcheck.de Baufinanzierung

3.61/5,00

121.594,06€
Zinsanteil

2.320,00€
Monatsrate

2,96%
Sollzins p.a.

3,02%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 250.000,00 €;Kreditrate: 977,08 €;Gesamtbetrag: 117.250,00 €;Anzahl Kreditraten: 1440;Laufzeit: 120 Monate;Effektiver Jahreszins: 3,13 %;Gebundener Sollzins: 3,12 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	986,67	1.333,33	2.320,00	398.666,67	986,67	1.333,33	2.320,00
2	398.666,67	983,38	1.336,62	2.320,00	397.330,04	1.970,04	2.669,96	4.640,00
3	397.330,04	980,08	1.339,92	2.320,00	395.990,13	2.950,13	4.009,87	6.960,00
4	395.990,13	976,78	1.343,22	2.320,00	394.646,90	3.926,90	5.353,10	9.280,00
5	394.646,90	973,46	1.346,54	2.320,00	393.300,36	4.900,36	6.699,64	11.600,00
6	393.300,36	970,14	1.349,86	2.320,00	391.950,50	5.870,50	8.049,50	13.920,00
7	391.950,50	966,81	1.353,19	2.320,00	390.597,32	6.837,32	9.402,68	16.240,00
8	390.597,32	963,47	1.356,53	2.320,00	389.240,79	7.800,79	10.759,21	18.560,00
9	389.240,79	960,13	1.359,87	2.320,00	387.880,92	8.760,92	12.119,08	20.880,00
10	387.880,92	956,77	1.363,23	2.320,00	386.517,69	9.717,69	13.482,31	23.200,00
11	386.517,69	953,41	1.366,59	2.320,00	385.151,10	10.671,10	14.848,90	25.520,00
12	385.151,10	950,04	1.369,96	2.320,00	383.781,14	11.621,14	16.218,86	27.840,00
13	383.781,14	946,66	1.373,34	2.320,00	382.407,80	12.567,80	17.592,20	30.160,00
14	382.407,80	943,27	1.376,73	2.320,00	381.031,07	13.511,07	18.968,93	32.480,00
15	381.031,07	939,88	1.380,12	2.320,00	379.650,95	14.450,95	20.349,05	34.800,00
16	379.650,95	936,47	1.383,53	2.320,00	378.267,42	15.387,42	21.732,58	37.120,00
17	378.267,42	933,06	1.386,94	2.320,00	376.880,48	16.320,48	23.119,52	39.440,00
18	376.880,48	929,64	1.390,36	2.320,00	375.490,12	17.250,12	24.509,88	41.760,00
19	375.490,12	926,21	1.393,79	2.320,00	374.096,33	18.176,33	25.903,67	44.080,00
20	374.096,33	922,77	1.397,23	2.320,00	372.699,10	19.099,10	27.300,90	46.400,00
21	372.699,10	919,32	1.400,68	2.320,00	371.298,42	20.018,42	28.701,58	48.720,00
22	371.298,42	915,87	1.404,13	2.320,00	369.894,29	20.934,29	30.105,71	51.040,00
23	369.894,29	912,41	1.407,59	2.320,00	368.486,70	21.846,70	31.513,30	53.360,00
24	368.486,70	908,93	1.411,07	2.320,00	367.075,63	22.755,63	32.924,37	55.680,00
25	367.075,63	905,45	1.414,55	2.320,00	365.661,09	23.661,09	34.338,91	58.000,00
26	365.661,09	901,96	1.418,04	2.320,00	364.243,05	24.563,05	35.756,95	60.320,00
27	364.243,05	898,47	1.421,53	2.320,00	362.821,52	25.461,52	37.178,48	62.640,00
28	362.821,52	894,96	1.425,04	2.320,00	361.396,48	26.356,48	38.603,52	64.960,00
29	361.396,48	891,44	1.428,56	2.320,00	359.967,92	27.247,92	40.032,08	67.280,00
30	359.967,92	887,92	1.432,08	2.320,00	358.535,84	28.135,84	41.464,16	69.600,00
31	358.535,84	884,39	1.435,61	2.320,00	357.100,23	29.020,23	42.899,77	71.920,00
32	357.100,23	880,85	1.439,15	2.320,00	355.661,08	29.901,08	44.338,92	74.240,00
33	355.661,08	877,30	1.442,70	2.320,00	354.218,37	30.778,37	45.781,63	76.560,00
34	354.218,37	873,74	1.446,26	2.320,00	352.772,11	31.652,11	47.227,89	78.880,00
35	352.772,11	870,17	1.449,83	2.320,00	351.322,28	32.522,28	48.677,72	81.200,00
36	351.322,28	866,59	1.453,41	2.320,00	349.868,88	33.388,88	50.131,12	83.520,00
37	349.868,88	863,01	1.456,99	2.320,00	348.411,89	34.251,89	51.588,11	85.840,00
38	348.411,89	859,42	1.460,58	2.320,00	346.951,30	35.111,30	53.048,70	88.160,00
39	346.951,30	855,81	1.464,19	2.320,00	345.487,12	35.967,12	54.512,88	90.480,00
40	345.487,12	852,20	1.467,80	2.320,00	344.019,32	36.819,32	55.980,68	92.800,00
41	344.019,32	848,58	1.471,42	2.320,00	342.547,90	37.667,90	57.452,10	95.120,00
42	342.547,90	844,95	1.475,05	2.320,00	341.072,85	38.512,85	58.927,15	97.440,00
43	341.072,85	841,31	1.478,69	2.320,00	339.594,16	39.354,16	60.405,84	99.760,00
44	339.594,16	837,67	1.482,33	2.320,00	338.111,83	40.191,83	61.888,17	102.080,00
45	338.111,83	834,01	1.485,99	2.320,00	336.625,84	41.025,84	63.374,16	104.400,00
46	336.625,84	830,34	1.489,66	2.320,00	335.136,18	41.856,18	64.863,82	106.720,00
47	335.136,18	826,67	1.493,33	2.320,00	333.642,85	42.682,85	66.357,15	109.040,00
48	333.642,85	822,99	1.497,01	2.320,00	332.145,84	43.505,84	67.854,16	111.360,00
49	332.145,84	819,29	1.500,71	2.320,00	330.645,13	44.325,13	69.354,87	113.680,00
50	330.645,13	815,59	1.504,41	2.320,00	329.140,72	45.140,72	70.859,28	116.000,00
51	329.140,72	811,88	1.508,12	2.320,00	327.632,60	45.952,60	72.367,40	118.320,00
52	327.632,60	808,16	1.511,84	2.320,00	326.120,76	46.760,76	73.879,24	120.640,00
53	326.120,76	804,43	1.515,57	2.320,00	324.605,19	47.565,19	75.394,81	122.960,00
54	324.605,19	800,69	1.519,31	2.320,00	323.085,89	48.365,89	76.914,11	125.280,00
55	323.085,89	796,95	1.523,05	2.320,00	321.562,83	49.162,83	78.437,17	127.600,00
56	321.562,83	793,19	1.526,81	2.320,00	320.036,02	49.956,02	79.963,98	129.920,00
57	320.036,02	789,42	1.530,58	2.320,00	318.505,44	50.745,44	81.494,56	132.240,00
58	318.505,44	785,65	1.534,35	2.320,00	316.971,09	51.531,09	83.028,91	134.560,00
59	316.971,09	781,86	1.538,14	2.320,00	315.432,95	52.312,95	84.567,05	136.880,00
60	315.432,95	778,07	1.541,93	2.320,00	313.891,02	53.091,02	86.108,98	139.200,00
61	313.891,02	774,26	1.545,74	2.320,00	312.345,28	53.865,28	87.654,72	141.520,00
62	312.345,28	770,45	1.549,55	2.320,00	310.795,74	54.635,74	89.204,26	143.840,00
63	310.795,74	766,63	1.553,37	2.320,00	309.242,37	55.402,37	90.757,63	146.160,00
64	309.242,37	762,80	1.557,20	2.320,00	307.685,16	56.165,16	92.314,84	148.480,00
65	307.685,16	758,96	1.561,04	2.320,00	306.124,12	56.924,12	93.875,88	150.800,00
66	306.124,12	755,11	1.564,89	2.320,00	304.559,23	57.679,23	95.440,77	153.120,00
67	304.559,23	751,25	1.568,75	2.320,00	302.990,47	58.430,47	97.009,53	155.440,00
68	302.990,47	747,38	1.572,62	2.320,00	301.417,85	59.177,85	98.582,15	157.760,00
69	301.417,85	743,50	1.576,50	2.320,00	299.841,35	59.921,35	100.158,65	160.080,00
70	299.841,35	739,61	1.580,39	2.320,00	298.260,95	60.660,95	101.739,05	162.400,00
71	298.260,95	735,71	1.584,29	2.320,00	296.676,67	61.396,67	103.323,33	164.720,00
72	296.676,67	731,80	1.588,20	2.320,00	295.088,47	62.128,47	104.911,53	167.040,00
73	295.088,47	727,88	1.592,12	2.320,00	293.496,35	62.856,35	106.503,65	169.360,00
74	293.496,35	723,96	1.596,04	2.320,00	291.900,31	63.580,31	108.099,69	171.680,00
75	291.900,31	720,02	1.599,98	2.320,00	290.300,33	64.300,33	109.699,67	174.000,00
76	290.300,33	716,07	1.603,93	2.320,00	288.696,41	65.016,41	111.303,59	176.320,00
77	288.696,41	712,12	1.607,88	2.320,00	287.088,52	65.728,52	112.911,48	178.640,00
78	287.088,52	708,15	1.611,85	2.320,00	285.476,67	66.436,67	114.523,33	180.960,00
79	285.476,67	704,18	1.615,82	2.320,00	283.860,85	67.140,85	116.139,15	183.280,00
80	283.860,85	700,19	1.619,81	2.320,00	282.241,04	67.841,04	117.758,96	185.600,00
81	282.241,04	696,19	1.623,81	2.320,00	280.617,24	68.537,24	119.382,76	187.920,00
82	280.617,24	692,19	1.627,81	2.320,00	278.989,42	69.229,42	121.010,58	190.240,00
83	278.989,42	688,17	1.631,83	2.320,00	277.357,60	69.917,60	122.642,40	192.560,00
84	277.357,60	684,15	1.635,85	2.320,00	275.721,75	70.601,75	124.278,25	194.880,00
85	275.721,75	680,11	1.639,89	2.320,00	274.081,86	71.281,86	125.918,14	197.200,00
86	274.081,86	676,07	1.643,93	2.320,00	272.437,93	71.957,93	127.562,07	199.520,00
87	272.437,93	672,01	1.647,99	2.320,00	270.789,94	72.629,94	129.210,06	201.840,00
88	270.789,94	667,95	1.652,05	2.320,00	269.137,89	73.297,89	130.862,11	204.160,00
89	269.137,89	663,87	1.656,13	2.320,00	267.481,76	73.961,76	132.518,24	206.480,00
90	267.481,76	659,79	1.660,21	2.320,00	265.821,55	74.621,55	134.178,45	208.800,00
91	265.821,55	655,69	1.664,31	2.320,00	264.157,25	75.277,25	135.842,75	211.120,00
92	264.157,25	651,59	1.668,41	2.320,00	262.488,83	75.928,83	137.511,17	213.440,00
93	262.488,83	647,47	1.672,53	2.320,00	260.816,31	76.576,31	139.183,69	215.760,00
94	260.816,31	643,35	1.676,65	2.320,00	259.139,65	77.219,65	140.860,35	218.080,00
95	259.139,65	639,21	1.680,79	2.320,00	257.458,86	77.858,86	142.541,14	220.400,00
96	257.458,86	635,07	1.684,93	2.320,00	255.773,93	78.493,93	144.226,07	222.720,00
97	255.773,93	630,91	1.689,09	2.320,00	254.084,84	79.124,84	145.915,16	225.040,00
98	254.084,84	626,74	1.693,26	2.320,00	252.391,58	79.751,58	147.608,42	227.360,00
99	252.391,58	622,57	1.697,43	2.320,00	250.694,15	80.374,15	149.305,85	229.680,00
100	250.694,15	618,38	1.701,62	2.320,00	248.992,53	80.992,53	151.007,47	232.000,00
101	248.992,53	614,18	1.705,82	2.320,00	247.286,71	81.606,71	152.713,29	234.320,00
102	247.286,71	609,97	1.710,03	2.320,00	245.576,68	82.216,68	154.423,32	236.640,00
103	245.576,68	605,76	1.714,24	2.320,00	243.862,44	82.822,44	156.137,56	238.960,00
104	243.862,44	601,53	1.718,47	2.320,00	242.143,96	83.423,96	157.856,04	241.280,00
105	242.143,96	597,29	1.722,71	2.320,00	240.421,25	84.021,25	159.578,75	243.600,00
106	240.421,25	593,04	1.726,96	2.320,00	238.694,29	84.614,29	161.305,71	245.920,00
107	238.694,29	588,78	1.731,22	2.320,00	236.963,07	85.203,07	163.036,93	248.240,00
108	236.963,07	584,51	1.735,49	2.320,00	235.227,58	85.787,58	164.772,42	250.560,00
109	235.227,58	580,23	1.739,77	2.320,00	233.487,81	86.367,81	166.512,19	252.880,00
110	233.487,81	575,94	1.744,06	2.320,00	231.743,75	86.943,75	168.256,25	255.200,00
111	231.743,75	571,63	1.748,37	2.320,00	229.995,38	87.515,38	170.004,62	257.520,00
112	229.995,38	567,32	1.752,68	2.320,00	228.242,70	88.082,70	171.757,30	259.840,00
113	228.242,70	563,00	1.757,00	2.320,00	226.485,70	88.645,70	173.514,30	262.160,00
114	226.485,70	558,66	1.761,34	2.320,00	224.724,37	89.204,37	175.275,63	264.480,00
115	224.724,37	554,32	1.765,68	2.320,00	222.958,69	89.758,69	177.041,31	266.800,00
116	222.958,69	549,96	1.770,04	2.320,00	221.188,65	90.308,65	178.811,35	269.120,00
117	221.188,65	545,60	1.774,40	2.320,00	219.414,25	90.854,25	180.585,75	271.440,00
118	219.414,25	541,22	1.778,78	2.320,00	217.635,47	91.395,47	182.364,53	273.760,00
119	217.635,47	536,83	1.783,17	2.320,00	215.852,30	91.932,30	184.147,70	276.080,00
120	215.852,30	532,44	1.787,56	2.320,00	214.064,74	92.464,74	185.935,26	278.400,00
121	214.064,74	528,03	1.791,97	2.320,00	212.272,77	92.992,77	187.727,23	280.720,00
122	212.272,77	523,61	1.796,39	2.320,00	210.476,37	93.516,37	189.523,63	283.040,00
123	210.476,37	519,18	1.800,82	2.320,00	208.675,55	94.035,55	191.324,45	285.360,00
124	208.675,55	514,73	1.805,27	2.320,00	206.870,28	94.550,28	193.129,72	287.680,00
125	206.870,28	510,28	1.809,72	2.320,00	205.060,56	95.060,56	194.939,44	290.000,00
126	205.060,56	505,82	1.814,18	2.320,00	203.246,38	95.566,38	196.753,62	292.320,00
127	203.246,38	501,34	1.818,66	2.320,00	201.427,72	96.067,72	198.572,28	294.640,00
128	201.427,72	496,86	1.823,14	2.320,00	199.604,57	96.564,57	200.395,43	296.960,00
129	199.604,57	492,36	1.827,64	2.320,00	197.776,93	97.056,93	202.223,07	299.280,00
130	197.776,93	487,85	1.832,15	2.320,00	195.944,78	97.544,78	204.055,22	301.600,00
131	195.944,78	483,33	1.836,67	2.320,00	194.108,11	98.028,11	205.891,89	303.920,00
132	194.108,11	478,80	1.841,20	2.320,00	192.266,91	98.506,91	207.733,09	306.240,00
133	192.266,91	474,26	1.845,74	2.320,00	190.421,17	98.981,17	209.578,83	308.560,00
134	190.421,17	469,71	1.850,29	2.320,00	188.570,88	99.450,88	211.429,12	310.880,00
135	188.570,88	465,14	1.854,86	2.320,00	186.716,02	99.916,02	213.283,98	313.200,00
136	186.716,02	460,57	1.859,43	2.320,00	184.856,58	100.376,58	215.143,42	315.520,00
137	184.856,58	455,98	1.864,02	2.320,00	182.992,56	100.832,56	217.007,44	317.840,00
138	182.992,56	451,38	1.868,62	2.320,00	181.123,94	101.283,94	218.876,06	320.160,00
139	181.123,94	446,77	1.873,23	2.320,00	179.250,72	101.730,72	220.749,28	322.480,00
140	179.250,72	442,15	1.877,85	2.320,00	177.372,87	102.172,87	222.627,13	324.800,00
141	177.372,87	437,52	1.882,48	2.320,00	175.490,39	102.610,39	224.509,61	327.120,00
142	175.490,39	432,88	1.887,12	2.320,00	173.603,26	103.043,26	226.396,74	329.440,00
143	173.603,26	428,22	1.891,78	2.320,00	171.711,49	103.471,49	228.288,51	331.760,00
144	171.711,49	423,55	1.896,45	2.320,00	169.815,04	103.895,04	230.184,96	334.080,00
145	169.815,04	418,88	1.901,12	2.320,00	167.913,92	104.313,92	232.086,08	336.400,00
146	167.913,92	414,19	1.905,81	2.320,00	166.008,11	104.728,11	233.991,89	338.720,00
147	166.008,11	409,49	1.910,51	2.320,00	164.097,59	105.137,59	235.902,41	341.040,00
148	164.097,59	404,77	1.915,23	2.320,00	162.182,37	105.542,37	237.817,63	343.360,00
149	162.182,37	400,05	1.919,95	2.320,00	160.262,42	105.942,42	239.737,58	345.680,00
150	160.262,42	395,31	1.924,69	2.320,00	158.337,73	106.337,73	241.662,27	348.000,00
151	158.337,73	390,57	1.929,43	2.320,00	156.408,30	106.728,30	243.591,70	350.320,00
152	156.408,30	385,81	1.934,19	2.320,00	154.474,10	107.114,10	245.525,90	352.640,00
153	154.474,10	381,04	1.938,96	2.320,00	152.535,14	107.495,14	247.464,86	354.960,00
154	152.535,14	376,25	1.943,75	2.320,00	150.591,39	107.871,39	249.408,61	357.280,00
155	150.591,39	371,46	1.948,54	2.320,00	148.642,85	108.242,85	251.357,15	359.600,00
156	148.642,85	366,65	1.953,35	2.320,00	146.689,50	108.609,50	253.310,50	361.920,00
157	146.689,50	361,83	1.958,17	2.320,00	144.731,34	108.971,34	255.268,66	364.240,00
158	144.731,34	357,00	1.963,00	2.320,00	142.768,34	109.328,34	257.231,66	366.560,00
159	142.768,34	352,16	1.967,84	2.320,00	140.800,50	109.680,50	259.199,50	368.880,00
160	140.800,50	347,31	1.972,69	2.320,00	138.827,81	110.027,81	261.172,19	371.200,00
161	138.827,81	342,44	1.977,56	2.320,00	136.850,25	110.370,25	263.149,75	373.520,00
162	136.850,25	337,56	1.982,44	2.320,00	134.867,82	110.707,82	265.132,18	375.840,00
163	134.867,82	332,67	1.987,33	2.320,00	132.880,49	111.040,49	267.119,51	378.160,00
164	132.880,49	327,77	1.992,23	2.320,00	130.888,26	111.368,26	269.111,74	380.480,00
165	130.888,26	322,86	1.997,14	2.320,00	128.891,12	111.691,12	271.108,88	382.800,00
166	128.891,12	317,93	2.002,07	2.320,00	126.889,05	112.009,05	273.110,95	385.120,00
167	126.889,05	312,99	2.007,01	2.320,00	124.882,05	112.322,05	275.117,95	387.440,00
168	124.882,05	308,04	2.011,96	2.320,00	122.870,09	112.630,09	277.129,91	389.760,00
169	122.870,09	303,08	2.016,92	2.320,00	120.853,17	112.933,17	279.146,83	392.080,00
170	120.853,17	298,10	2.021,90	2.320,00	118.831,27	113.231,27	281.168,73	394.400,00
171	118.831,27	293,12	2.026,88	2.320,00	116.804,39	113.524,39	283.195,61	396.720,00
172	116.804,39	288,12	2.031,88	2.320,00	114.772,51	113.812,51	285.227,49	399.040,00
173	114.772,51	283,11	2.036,89	2.320,00	112.735,61	114.095,61	287.264,39	401.360,00
174	112.735,61	278,08	2.041,92	2.320,00	110.693,69	114.373,69	289.306,31	403.680,00
175	110.693,69	273,04	2.046,96	2.320,00	108.646,74	114.646,74	291.353,26	406.000,00
176	108.646,74	268,00	2.052,00	2.320,00	106.594,73	114.914,73	293.405,27	408.320,00
177	106.594,73	262,93	2.057,07	2.320,00	104.537,67	115.177,67	295.462,33	410.640,00
178	104.537,67	257,86	2.062,14	2.320,00	102.475,53	115.435,53	297.524,47	412.960,00
179	102.475,53	252,77	2.067,23	2.320,00	100.408,30	115.688,30	299.591,70	415.280,00
180	100.408,30	247,67	2.072,33	2.320,00	98.335,97	115.935,97	301.664,03	417.600,00
181	98.335,97	242,56	2.077,44	2.320,00	96.258,54	116.178,54	303.741,46	419.920,00
182	96.258,54	237,44	2.082,56	2.320,00	94.175,97	116.415,97	305.824,03	422.240,00
183	94.175,97	232,30	2.087,70	2.320,00	92.088,27	116.648,27	307.911,73	424.560,00
184	92.088,27	227,15	2.092,85	2.320,00	89.995,42	116.875,42	310.004,58	426.880,00
185	89.995,42	221,99	2.098,01	2.320,00	87.897,41	117.097,41	312.102,59	429.200,00
186	87.897,41	216,81	2.103,19	2.320,00	85.794,23	117.314,23	314.205,77	431.520,00
187	85.794,23	211,63	2.108,37	2.320,00	83.685,85	117.525,85	316.314,15	433.840,00
188	83.685,85	206,43	2.113,57	2.320,00	81.572,28	117.732,28	318.427,72	436.160,00
189	81.572,28	201,21	2.118,79	2.320,00	79.453,49	117.933,49	320.546,51	438.480,00
190	79.453,49	195,99	2.124,01	2.320,00	77.329,47	118.129,47	322.670,53	440.800,00
191	77.329,47	190,75	2.129,25	2.320,00	75.200,22	118.320,22	324.799,78	443.120,00
192	75.200,22	185,49	2.134,51	2.320,00	73.065,71	118.505,71	326.934,29	445.440,00
193	73.065,71	180,23	2.139,77	2.320,00	70.925,94	118.685,94	329.074,06	447.760,00
194	70.925,94	174,95	2.145,05	2.320,00	68.780,89	118.860,89	331.219,11	450.080,00
195	68.780,89	169,66	2.150,34	2.320,00	66.630,55	119.030,55	333.369,45	452.400,00
196	66.630,55	164,36	2.155,64	2.320,00	64.474,91	119.194,91	335.525,09	454.720,00
197	64.474,91	159,04	2.160,96	2.320,00	62.313,95	119.353,95	337.686,05	457.040,00
198	62.313,95	153,71	2.166,29	2.320,00	60.147,66	119.507,66	339.852,34	459.360,00
199	60.147,66	148,36	2.171,64	2.320,00	57.976,02	119.656,02	342.023,98	461.680,00
200	57.976,02	143,01	2.176,99	2.320,00	55.799,03	119.799,03	344.200,97	464.000,00
201	55.799,03	137,64	2.182,36	2.320,00	53.616,66	119.936,66	346.383,34	466.320,00
202	53.616,66	132,25	2.187,75	2.320,00	51.428,92	120.068,92	348.571,08	468.640,00
203	51.428,92	126,86	2.193,14	2.320,00	49.235,78	120.195,78	350.764,22	470.960,00
204	49.235,78	121,45	2.198,55	2.320,00	47.037,23	120.317,23	352.962,77	473.280,00
205	47.037,23	116,03	2.203,97	2.320,00	44.833,25	120.433,25	355.166,75	475.600,00
206	44.833,25	110,59	2.209,41	2.320,00	42.623,84	120.543,84	357.376,16	477.920,00
207	42.623,84	105,14	2.214,86	2.320,00	40.408,98	120.648,98	359.591,02	480.240,00
208	40.408,98	99,68	2.220,32	2.320,00	38.188,65	120.748,65	361.811,35	482.560,00
209	38.188,65	94,20	2.225,80	2.320,00	35.962,85	120.842,85	364.037,15	484.880,00
210	35.962,85	88,71	2.231,29	2.320,00	33.731,56	120.931,56	366.268,44	487.200,00
211	33.731,56	83,20	2.236,80	2.320,00	31.494,76	121.014,76	368.505,24	489.520,00
212	31.494,76	77,69	2.242,31	2.320,00	29.252,45	121.092,45	370.747,55	491.840,00
213	29.252,45	72,16	2.247,84	2.320,00	27.004,61	121.164,61	372.995,39	494.160,00
214	27.004,61	66,61	2.253,39	2.320,00	24.751,22	121.231,22	375.248,78	496.480,00
215	24.751,22	61,05	2.258,95	2.320,00	22.492,27	121.292,27	377.507,73	498.800,00
216	22.492,27	55,48	2.264,52	2.320,00	20.227,75	121.347,75	379.772,25	501.120,00
217	20.227,75	49,90	2.270,10	2.320,00	17.957,65	121.397,65	382.042,35	503.440,00
218	17.957,65	44,30	2.275,70	2.320,00	15.681,94	121.441,94	384.318,06	505.760,00
219	15.681,94	38,68	2.281,32	2.320,00	13.400,63	121.480,63	386.599,37	508.080,00
220	13.400,63	33,05	2.286,95	2.320,00	11.113,68	121.513,68	388.886,32	510.400,00
221	11.113,68	27,41	2.292,59	2.320,00	8.821,09	121.541,09	391.178,91	512.720,00
222	8.821,09	21,76	2.298,24	2.320,00	6.522,85	121.562,85	393.477,15	515.040,00
223	6.522,85	16,09	2.303,91	2.320,00	4.218,94	121.578,94	395.781,06	517.360,00
224	4.218,94	10,41	2.309,59	2.320,00	1.909,35	121.589,35	398.090,65	519.680,00
225	1.909,35	4,71	1.909,35	1.909,35	1.909,35	121.594,06	400.000,00	521.594,06

Baufi24 Baufinanzierung

3.19/5,00

128.709,38€
Zinsanteil

2.390,00€
Monatsrate

3,17%
Sollzins p.a.

3,22%
Effektivzins p.a.

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

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.056,67	1.333,33	2.390,00	398.666,67	1.056,67	1.333,33	2.390,00
2	398.666,67	1.053,14	1.336,86	2.390,00	397.329,81	2.109,81	2.670,19	4.780,00
3	397.329,81	1.049,61	1.340,39	2.390,00	395.989,42	3.159,42	4.010,58	7.170,00
4	395.989,42	1.046,07	1.343,93	2.390,00	394.645,50	4.205,50	5.354,50	9.560,00
5	394.645,50	1.042,52	1.347,48	2.390,00	393.298,02	5.248,02	6.701,98	11.950,00
6	393.298,02	1.038,96	1.351,04	2.390,00	391.946,98	6.286,98	8.053,02	14.340,00
7	391.946,98	1.035,39	1.354,61	2.390,00	390.592,37	7.322,37	9.407,63	16.730,00
8	390.592,37	1.031,81	1.358,19	2.390,00	389.234,19	8.354,19	10.765,81	19.120,00
9	389.234,19	1.028,23	1.361,77	2.390,00	387.872,42	9.382,42	12.127,58	21.510,00
10	387.872,42	1.024,63	1.365,37	2.390,00	386.507,04	10.407,04	13.492,96	23.900,00
11	386.507,04	1.021,02	1.368,98	2.390,00	385.138,07	11.428,07	14.861,93	26.290,00
12	385.138,07	1.017,41	1.372,59	2.390,00	383.765,47	12.445,47	16.234,53	28.680,00
13	383.765,47	1.013,78	1.376,22	2.390,00	382.389,25	13.459,25	17.610,75	31.070,00
14	382.389,25	1.010,14	1.379,86	2.390,00	381.009,40	14.469,40	18.990,60	33.460,00
15	381.009,40	1.006,50	1.383,50	2.390,00	379.625,90	15.475,90	20.374,10	35.850,00
16	379.625,90	1.002,85	1.387,15	2.390,00	378.238,74	16.478,74	21.761,26	38.240,00
17	378.238,74	999,18	1.390,82	2.390,00	376.847,93	17.477,93	23.152,07	40.630,00
18	376.847,93	995,51	1.394,49	2.390,00	375.453,43	18.473,43	24.546,57	43.020,00
19	375.453,43	991,82	1.398,18	2.390,00	374.055,25	19.465,25	25.944,75	45.410,00
20	374.055,25	988,13	1.401,87	2.390,00	372.653,38	20.453,38	27.346,62	47.800,00
21	372.653,38	984,43	1.405,57	2.390,00	371.247,81	21.437,81	28.752,19	50.190,00
22	371.247,81	980,71	1.409,29	2.390,00	369.838,52	22.418,52	30.161,48	52.580,00
23	369.838,52	976,99	1.413,01	2.390,00	368.425,51	23.395,51	31.574,49	54.970,00
24	368.425,51	973,26	1.416,74	2.390,00	367.008,77	24.368,77	32.991,23	57.360,00
25	367.008,77	969,51	1.420,49	2.390,00	365.588,29	25.338,29	34.411,71	59.750,00
26	365.588,29	965,76	1.424,24	2.390,00	364.164,05	26.304,05	35.835,95	62.140,00
27	364.164,05	962,00	1.428,00	2.390,00	362.736,05	27.266,05	37.263,95	64.530,00
28	362.736,05	958,23	1.431,77	2.390,00	361.304,28	28.224,28	38.695,72	66.920,00
29	361.304,28	954,45	1.435,55	2.390,00	359.868,72	29.178,72	40.131,28	69.310,00
30	359.868,72	950,65	1.439,35	2.390,00	358.429,37	30.129,37	41.570,63	71.700,00
31	358.429,37	946,85	1.443,15	2.390,00	356.986,22	31.076,22	43.013,78	74.090,00
32	356.986,22	943,04	1.446,96	2.390,00	355.539,26	32.019,26	44.460,74	76.480,00
33	355.539,26	939,22	1.450,78	2.390,00	354.088,48	32.958,48	45.911,52	78.870,00
34	354.088,48	935,38	1.454,62	2.390,00	352.633,86	33.893,86	47.366,14	81.260,00
35	352.633,86	931,54	1.458,46	2.390,00	351.175,40	34.825,40	48.824,60	83.650,00
36	351.175,40	927,69	1.462,31	2.390,00	349.713,09	35.753,09	50.286,91	86.040,00
37	349.713,09	923,83	1.466,17	2.390,00	348.246,92	36.676,92	51.753,08	88.430,00
38	348.246,92	919,95	1.470,05	2.390,00	346.776,87	37.596,87	53.223,13	90.820,00
39	346.776,87	916,07	1.473,93	2.390,00	345.302,94	38.512,94	54.697,06	93.210,00
40	345.302,94	912,18	1.477,82	2.390,00	343.825,11	39.425,11	56.174,89	95.600,00
41	343.825,11	908,27	1.481,73	2.390,00	342.343,39	40.333,39	57.656,61	97.990,00
42	342.343,39	904,36	1.485,64	2.390,00	340.857,74	41.237,74	59.142,26	100.380,00
43	340.857,74	900,43	1.489,57	2.390,00	339.368,18	42.138,18	60.631,82	102.770,00
44	339.368,18	896,50	1.493,50	2.390,00	337.874,67	43.034,67	62.125,33	105.160,00
45	337.874,67	892,55	1.497,45	2.390,00	336.377,23	43.927,23	63.622,77	107.550,00
46	336.377,23	888,60	1.501,40	2.390,00	334.875,82	44.815,82	65.124,18	109.940,00
47	334.875,82	884,63	1.505,37	2.390,00	333.370,45	45.700,45	66.629,55	112.330,00
48	333.370,45	880,65	1.509,35	2.390,00	331.861,11	46.581,11	68.138,89	114.720,00
49	331.861,11	876,67	1.513,33	2.390,00	330.347,77	47.457,77	69.652,23	117.110,00
50	330.347,77	872,67	1.517,33	2.390,00	328.830,44	48.330,44	71.169,56	119.500,00
51	328.830,44	868,66	1.521,34	2.390,00	327.309,10	49.199,10	72.690,90	121.890,00
52	327.309,10	864,64	1.525,36	2.390,00	325.783,74	50.063,74	74.216,26	124.280,00
53	325.783,74	860,61	1.529,39	2.390,00	324.254,36	50.924,36	75.745,64	126.670,00
54	324.254,36	856,57	1.533,43	2.390,00	322.720,93	51.780,93	77.279,07	129.060,00
55	322.720,93	852,52	1.537,48	2.390,00	321.183,45	52.633,45	78.816,55	131.450,00
56	321.183,45	848,46	1.541,54	2.390,00	319.641,91	53.481,91	80.358,09	133.840,00
57	319.641,91	844,39	1.545,61	2.390,00	318.096,30	54.326,30	81.903,70	136.230,00
58	318.096,30	840,30	1.549,70	2.390,00	316.546,60	55.166,60	83.453,40	138.620,00
59	316.546,60	836,21	1.553,79	2.390,00	314.992,81	56.002,81	85.007,19	141.010,00
60	314.992,81	832,11	1.557,89	2.390,00	313.434,92	56.834,92	86.565,08	143.400,00
61	313.434,92	827,99	1.562,01	2.390,00	311.872,91	57.662,91	88.127,09	145.790,00
62	311.872,91	823,86	1.566,14	2.390,00	310.306,77	58.486,77	89.693,23	148.180,00
63	310.306,77	819,73	1.570,27	2.390,00	308.736,50	59.306,50	91.263,50	150.570,00
64	308.736,50	815,58	1.574,42	2.390,00	307.162,08	60.122,08	92.837,92	152.960,00
65	307.162,08	811,42	1.578,58	2.390,00	305.583,50	60.933,50	94.416,50	155.350,00
66	305.583,50	807,25	1.582,75	2.390,00	304.000,75	61.740,75	95.999,25	157.740,00
67	304.000,75	803,07	1.586,93	2.390,00	302.413,82	62.543,82	97.586,18	160.130,00
68	302.413,82	798,88	1.591,12	2.390,00	300.822,69	63.342,69	99.177,31	162.520,00
69	300.822,69	794,67	1.595,33	2.390,00	299.227,36	64.137,36	100.772,64	164.910,00
70	299.227,36	790,46	1.599,54	2.390,00	297.627,82	64.927,82	102.372,18	167.300,00
71	297.627,82	786,23	1.603,77	2.390,00	296.024,06	65.714,06	103.975,94	169.690,00
72	296.024,06	782,00	1.608,00	2.390,00	294.416,05	66.496,05	105.583,95	172.080,00
73	294.416,05	777,75	1.612,25	2.390,00	292.803,80	67.273,80	107.196,20	174.470,00
74	292.803,80	773,49	1.616,51	2.390,00	291.187,29	68.047,29	108.812,71	176.860,00
75	291.187,29	769,22	1.620,78	2.390,00	289.566,51	68.816,51	110.433,49	179.250,00
76	289.566,51	764,94	1.625,06	2.390,00	287.941,45	69.581,45	112.058,55	181.640,00
77	287.941,45	760,65	1.629,35	2.390,00	286.312,10	70.342,10	113.687,90	184.030,00
78	286.312,10	756,34	1.633,66	2.390,00	284.678,44	71.098,44	115.321,56	186.420,00
79	284.678,44	752,03	1.637,97	2.390,00	283.040,46	71.850,46	116.959,54	188.810,00
80	283.040,46	747,70	1.642,30	2.390,00	281.398,16	72.598,16	118.601,84	191.200,00
81	281.398,16	743,36	1.646,64	2.390,00	279.751,52	73.341,52	120.248,48	193.590,00
82	279.751,52	739,01	1.650,99	2.390,00	278.100,53	74.080,53	121.899,47	195.980,00
83	278.100,53	734,65	1.655,35	2.390,00	276.445,18	74.815,18	123.554,82	198.370,00
84	276.445,18	730,28	1.659,72	2.390,00	274.785,46	75.545,46	125.214,54	200.760,00
85	274.785,46	725,89	1.664,11	2.390,00	273.121,35	76.271,35	126.878,65	203.150,00
86	273.121,35	721,50	1.668,50	2.390,00	271.452,84	76.992,84	128.547,16	205.540,00
87	271.452,84	717,09	1.672,91	2.390,00	269.779,93	77.709,93	130.220,07	207.930,00
88	269.779,93	712,67	1.677,33	2.390,00	268.102,60	78.422,60	131.897,40	210.320,00
89	268.102,60	708,24	1.681,76	2.390,00	266.420,84	79.130,84	133.579,16	212.710,00
90	266.420,84	703,80	1.686,20	2.390,00	264.734,63	79.834,63	135.265,37	215.100,00
91	264.734,63	699,34	1.690,66	2.390,00	263.043,97	80.533,97	136.956,03	217.490,00
92	263.043,97	694,87	1.695,13	2.390,00	261.348,85	81.228,85	138.651,15	219.880,00
93	261.348,85	690,40	1.699,60	2.390,00	259.649,25	81.919,25	140.350,75	222.270,00
94	259.649,25	685,91	1.704,09	2.390,00	257.945,15	82.605,15	142.054,85	224.660,00
95	257.945,15	681,41	1.708,59	2.390,00	256.236,56	83.286,56	143.763,44	227.050,00
96	256.236,56	676,89	1.713,11	2.390,00	254.523,45	83.963,45	145.476,55	229.440,00
97	254.523,45	672,37	1.717,63	2.390,00	252.805,82	84.635,82	147.194,18	231.830,00
98	252.805,82	667,83	1.722,17	2.390,00	251.083,64	85.303,64	148.916,36	234.220,00
99	251.083,64	663,28	1.726,72	2.390,00	249.356,92	85.966,92	150.643,08	236.610,00
100	249.356,92	658,72	1.731,28	2.390,00	247.625,64	86.625,64	152.374,36	239.000,00
101	247.625,64	654,14	1.735,86	2.390,00	245.889,79	87.279,79	154.110,21	241.390,00
102	245.889,79	649,56	1.740,44	2.390,00	244.149,34	87.929,34	155.850,66	243.780,00
103	244.149,34	644,96	1.745,04	2.390,00	242.404,31	88.574,31	157.595,69	246.170,00
104	242.404,31	640,35	1.749,65	2.390,00	240.654,66	89.214,66	159.345,34	248.560,00
105	240.654,66	635,73	1.754,27	2.390,00	238.900,39	89.850,39	161.099,61	250.950,00
106	238.900,39	631,10	1.758,90	2.390,00	237.141,48	90.481,48	162.858,52	253.340,00
107	237.141,48	626,45	1.763,55	2.390,00	235.377,93	91.107,93	164.622,07	255.730,00
108	235.377,93	621,79	1.768,21	2.390,00	233.609,72	91.729,72	166.390,28	258.120,00
109	233.609,72	617,12	1.772,88	2.390,00	231.836,84	92.346,84	168.163,16	260.510,00
110	231.836,84	612,44	1.777,56	2.390,00	230.059,27	92.959,27	169.940,73	262.900,00
111	230.059,27	607,74	1.782,26	2.390,00	228.277,01	93.567,01	171.722,99	265.290,00
112	228.277,01	603,03	1.786,97	2.390,00	226.490,05	94.170,05	173.509,95	267.680,00
113	226.490,05	598,31	1.791,69	2.390,00	224.698,36	94.768,36	175.301,64	270.070,00
114	224.698,36	593,58	1.796,42	2.390,00	222.901,94	95.361,94	177.098,06	272.460,00
115	222.901,94	588,83	1.801,17	2.390,00	221.100,77	95.950,77	178.899,23	274.850,00
116	221.100,77	584,07	1.805,93	2.390,00	219.294,84	96.534,84	180.705,16	277.240,00
117	219.294,84	579,30	1.810,70	2.390,00	217.484,15	97.114,15	182.515,85	279.630,00
118	217.484,15	574,52	1.815,48	2.390,00	215.668,67	97.688,67	184.331,33	282.020,00
119	215.668,67	569,72	1.820,28	2.390,00	213.848,39	98.258,39	186.151,61	284.410,00
120	213.848,39	564,92	1.825,08	2.390,00	212.023,31	98.823,31	187.976,69	286.800,00
121	212.023,31	560,09	1.829,91	2.390,00	210.193,40	99.383,40	189.806,60	289.190,00
122	210.193,40	555,26	1.834,74	2.390,00	208.358,66	99.938,66	191.641,34	291.580,00
123	208.358,66	550,41	1.839,59	2.390,00	206.519,08	100.489,08	193.480,92	293.970,00
124	206.519,08	545,55	1.844,45	2.390,00	204.674,63	101.034,63	195.325,37	296.360,00
125	204.674,63	540,68	1.849,32	2.390,00	202.825,32	101.575,32	197.174,68	298.750,00
126	202.825,32	535,80	1.854,20	2.390,00	200.971,11	102.111,11	199.028,89	301.140,00
127	200.971,11	530,90	1.859,10	2.390,00	199.112,01	102.642,01	200.887,99	303.530,00
128	199.112,01	525,99	1.864,01	2.390,00	197.248,00	103.168,00	202.752,00	305.920,00
129	197.248,00	521,06	1.868,94	2.390,00	195.379,06	103.689,06	204.620,94	308.310,00
130	195.379,06	516,13	1.873,87	2.390,00	193.505,19	104.205,19	206.494,81	310.700,00
131	193.505,19	511,18	1.878,82	2.390,00	191.626,36	104.716,36	208.373,64	313.090,00
132	191.626,36	506,21	1.883,79	2.390,00	189.742,58	105.222,58	210.257,42	315.480,00
133	189.742,58	501,24	1.888,76	2.390,00	187.853,81	105.723,81	212.146,19	317.870,00
134	187.853,81	496,25	1.893,75	2.390,00	185.960,06	106.220,06	214.039,94	320.260,00
135	185.960,06	491,24	1.898,76	2.390,00	184.061,31	106.711,31	215.938,69	322.650,00
136	184.061,31	486,23	1.903,77	2.390,00	182.157,53	107.197,53	217.842,47	325.040,00
137	182.157,53	481,20	1.908,80	2.390,00	180.248,73	107.678,73	219.751,27	327.430,00
138	180.248,73	476,16	1.913,84	2.390,00	178.334,89	108.154,89	221.665,11	329.820,00
139	178.334,89	471,10	1.918,90	2.390,00	176.415,99	108.625,99	223.584,01	332.210,00
140	176.415,99	466,03	1.923,97	2.390,00	174.492,02	109.092,02	225.507,98	334.600,00
141	174.492,02	460,95	1.929,05	2.390,00	172.562,97	109.552,97	227.437,03	336.990,00
142	172.562,97	455,85	1.934,15	2.390,00	170.628,83	110.008,83	229.371,17	339.380,00
143	170.628,83	450,74	1.939,26	2.390,00	168.689,57	110.459,57	231.310,43	341.770,00
144	168.689,57	445,62	1.944,38	2.390,00	166.745,19	110.905,19	233.254,81	344.160,00
145	166.745,19	440,49	1.949,51	2.390,00	164.795,68	111.345,68	235.204,32	346.550,00
146	164.795,68	435,34	1.954,66	2.390,00	162.841,01	111.781,01	237.158,99	348.940,00
147	162.841,01	430,17	1.959,83	2.390,00	160.881,19	112.211,19	239.118,81	351.330,00
148	160.881,19	424,99	1.965,01	2.390,00	158.916,18	112.636,18	241.083,82	353.720,00
149	158.916,18	419,80	1.970,20	2.390,00	156.945,98	113.055,98	243.054,02	356.110,00
150	156.945,98	414,60	1.975,40	2.390,00	154.970,58	113.470,58	245.029,42	358.500,00
151	154.970,58	409,38	1.980,62	2.390,00	152.989,96	113.879,96	247.010,04	360.890,00
152	152.989,96	404,15	1.985,85	2.390,00	151.004,11	114.284,11	248.995,89	363.280,00
153	151.004,11	398,90	1.991,10	2.390,00	149.013,01	114.683,01	250.986,99	365.670,00
154	149.013,01	393,64	1.996,36	2.390,00	147.016,66	115.076,66	252.983,34	368.060,00
155	147.016,66	388,37	2.001,63	2.390,00	145.015,03	115.465,03	254.984,97	370.450,00
156	145.015,03	383,08	2.006,92	2.390,00	143.008,11	115.848,11	256.991,89	372.840,00
157	143.008,11	377,78	2.012,22	2.390,00	140.995,89	116.225,89	259.004,11	375.230,00
158	140.995,89	372,46	2.017,54	2.390,00	138.978,35	116.598,35	261.021,65	377.620,00
159	138.978,35	367,13	2.022,87	2.390,00	136.955,49	116.965,49	263.044,51	380.010,00
160	136.955,49	361,79	2.028,21	2.390,00	134.927,28	117.327,28	265.072,72	382.400,00
161	134.927,28	356,43	2.033,57	2.390,00	132.893,71	117.683,71	267.106,29	384.790,00
162	132.893,71	351,06	2.038,94	2.390,00	130.854,77	118.034,77	269.145,23	387.180,00
163	130.854,77	345,67	2.044,33	2.390,00	128.810,45	118.380,45	271.189,55	389.570,00
164	128.810,45	340,27	2.049,73	2.390,00	126.760,72	118.720,72	273.239,28	391.960,00
165	126.760,72	334,86	2.055,14	2.390,00	124.705,58	119.055,58	275.294,42	394.350,00
166	124.705,58	329,43	2.060,57	2.390,00	122.645,01	119.385,01	277.354,99	396.740,00
167	122.645,01	323,99	2.066,01	2.390,00	120.579,00	119.709,00	279.421,00	399.130,00
168	120.579,00	318,53	2.071,47	2.390,00	118.507,53	120.027,53	281.492,47	401.520,00
169	118.507,53	313,06	2.076,94	2.390,00	116.430,58	120.340,58	283.569,42	403.910,00
170	116.430,58	307,57	2.082,43	2.390,00	114.348,15	120.648,15	285.651,85	406.300,00
171	114.348,15	302,07	2.087,93	2.390,00	112.260,22	120.950,22	287.739,78	408.690,00
172	112.260,22	296,55	2.093,45	2.390,00	110.166,78	121.246,78	289.833,22	411.080,00
173	110.166,78	291,02	2.098,98	2.390,00	108.067,80	121.537,80	291.932,20	413.470,00
174	108.067,80	285,48	2.104,52	2.390,00	105.963,28	121.823,28	294.036,72	415.860,00
175	105.963,28	279,92	2.110,08	2.390,00	103.853,20	122.103,20	296.146,80	418.250,00
176	103.853,20	274,35	2.115,65	2.390,00	101.737,55	122.377,55	298.262,45	420.640,00
177	101.737,55	268,76	2.121,24	2.390,00	99.616,30	122.646,30	300.383,70	423.030,00
178	99.616,30	263,15	2.126,85	2.390,00	97.489,46	122.909,46	302.510,54	425.420,00
179	97.489,46	257,53	2.132,47	2.390,00	95.356,99	123.166,99	304.643,01	427.810,00
180	95.356,99	251,90	2.138,10	2.390,00	93.218,89	123.418,89	306.781,11	430.200,00
181	93.218,89	246,25	2.143,75	2.390,00	91.075,15	123.665,15	308.924,85	432.590,00
182	91.075,15	240,59	2.149,41	2.390,00	88.925,74	123.905,74	311.074,26	434.980,00
183	88.925,74	234,91	2.155,09	2.390,00	86.770,65	124.140,65	313.229,35	437.370,00
184	86.770,65	229,22	2.160,78	2.390,00	84.609,87	124.369,87	315.390,13	439.760,00
185	84.609,87	223,51	2.166,49	2.390,00	82.443,38	124.593,38	317.556,62	442.150,00
186	82.443,38	217,79	2.172,21	2.390,00	80.271,17	124.811,17	319.728,83	444.540,00
187	80.271,17	212,05	2.177,95	2.390,00	78.093,22	125.023,22	321.906,78	446.930,00
188	78.093,22	206,30	2.183,70	2.390,00	75.909,51	125.229,51	324.090,49	449.320,00
189	75.909,51	200,53	2.189,47	2.390,00	73.720,04	125.430,04	326.279,96	451.710,00
190	73.720,04	194,74	2.195,26	2.390,00	71.524,78	125.624,78	328.475,22	454.100,00
191	71.524,78	188,94	2.201,06	2.390,00	69.323,73	125.813,73	330.676,27	456.490,00
192	69.323,73	183,13	2.206,87	2.390,00	67.116,86	125.996,86	332.883,14	458.880,00
193	67.116,86	177,30	2.212,70	2.390,00	64.904,16	126.174,16	335.095,84	461.270,00
194	64.904,16	171,46	2.218,54	2.390,00	62.685,61	126.345,61	337.314,39	463.660,00
195	62.685,61	165,59	2.224,41	2.390,00	60.461,21	126.511,21	339.538,79	466.050,00
196	60.461,21	159,72	2.230,28	2.390,00	58.230,93	126.670,93	341.769,07	468.440,00
197	58.230,93	153,83	2.236,17	2.390,00	55.994,75	126.824,75	344.005,25	470.830,00
198	55.994,75	147,92	2.242,08	2.390,00	53.752,67	126.972,67	346.247,33	473.220,00
199	53.752,67	142,00	2.248,00	2.390,00	51.504,67	127.114,67	348.495,33	475.610,00
200	51.504,67	136,06	2.253,94	2.390,00	49.250,73	127.250,73	350.749,27	478.000,00
201	49.250,73	130,10	2.259,90	2.390,00	46.990,83	127.380,83	353.009,17	480.390,00
202	46.990,83	124,13	2.265,87	2.390,00	44.724,97	127.504,97	355.275,03	482.780,00
203	44.724,97	118,15	2.271,85	2.390,00	42.453,11	127.623,11	357.546,89	485.170,00
204	42.453,11	112,15	2.277,85	2.390,00	40.175,26	127.735,26	359.824,74	487.560,00
205	40.175,26	106,13	2.283,87	2.390,00	37.891,39	127.841,39	362.108,61	489.950,00
206	37.891,39	100,10	2.289,90	2.390,00	35.601,49	127.941,49	364.398,51	492.340,00
207	35.601,49	94,05	2.295,95	2.390,00	33.305,53	128.035,53	366.694,47	494.730,00
208	33.305,53	87,98	2.302,02	2.390,00	31.003,52	128.123,52	368.996,48	497.120,00
209	31.003,52	81,90	2.308,10	2.390,00	28.695,42	128.205,42	371.304,58	499.510,00
210	28.695,42	75,80	2.314,20	2.390,00	26.381,22	128.281,22	373.618,78	501.900,00
211	26.381,22	69,69	2.320,31	2.390,00	24.060,91	128.350,91	375.939,09	504.290,00
212	24.060,91	63,56	2.326,44	2.390,00	21.734,47	128.414,47	378.265,53	506.680,00
213	21.734,47	57,42	2.332,58	2.390,00	19.401,89	128.471,89	380.598,11	509.070,00
214	19.401,89	51,25	2.338,75	2.390,00	17.063,14	128.523,14	382.936,86	511.460,00
215	17.063,14	45,08	2.344,92	2.390,00	14.718,22	128.568,22	385.281,78	513.850,00
216	14.718,22	38,88	2.351,12	2.390,00	12.367,10	128.607,10	387.632,90	516.240,00
217	12.367,10	32,67	2.357,33	2.390,00	10.009,77	128.639,77	389.990,23	518.630,00
218	10.009,77	26,44	2.363,56	2.390,00	7.646,21	128.666,21	392.353,79	521.020,00
219	7.646,21	20,20	2.369,80	2.390,00	5.276,41	128.686,41	394.723,59	523.410,00
220	5.276,41	13,94	2.376,06	2.390,00	2.900,35	128.700,35	397.099,65	525.800,00
221	2.900,35	7,66	2.382,34	2.390,00	518,01	128.708,01	399.481,99	528.190,00
222	518,01	1,37	518,01	518,01	518,01	128.709,38	400.000,00	528.709,38

Dr. Klein Baufinanzierung

4.02/5,00

Testsieger

131.713,08€
Zinsanteil

2.420,00€
Monatsrate

3,26%
Sollzins p.a.

3,33%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 190.000,00 €;Kreditrate: 777,42 €;Gesamtbetrag: 46.645,20 €;Anzahl Kreditraten: 60;Laufzeit: 60 Monate;Effektiver Jahreszins: 2,97 %;Gebundener Sollzins: 2,91 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.086,67	1.333,33	2.420,00	398.666,67	1.086,67	1.333,33	2.420,00
2	398.666,67	1.083,04	1.336,96	2.420,00	397.329,71	2.169,71	2.670,29	4.840,00
3	397.329,71	1.079,41	1.340,59	2.420,00	395.989,12	3.249,12	4.010,88	7.260,00
4	395.989,12	1.075,77	1.344,23	2.420,00	394.644,89	4.324,89	5.355,11	9.680,00
5	394.644,89	1.072,12	1.347,88	2.420,00	393.297,01	5.397,01	6.702,99	12.100,00
6	393.297,01	1.068,46	1.351,54	2.420,00	391.945,47	6.465,47	8.054,53	14.520,00
7	391.945,47	1.064,79	1.355,21	2.420,00	390.590,25	7.530,25	9.409,75	16.940,00
8	390.590,25	1.061,10	1.358,90	2.420,00	389.231,36	8.591,36	10.768,64	19.360,00
9	389.231,36	1.057,41	1.362,59	2.420,00	387.868,77	9.648,77	12.131,23	21.780,00
10	387.868,77	1.053,71	1.366,29	2.420,00	386.502,48	10.702,48	13.497,52	24.200,00
11	386.502,48	1.050,00	1.370,00	2.420,00	385.132,48	11.752,48	14.867,52	26.620,00
12	385.132,48	1.046,28	1.373,72	2.420,00	383.758,76	12.798,76	16.241,24	29.040,00
13	383.758,76	1.042,54	1.377,46	2.420,00	382.381,30	13.841,30	17.618,70	31.460,00
14	382.381,30	1.038,80	1.381,20	2.420,00	381.000,10	14.880,10	18.999,90	33.880,00
15	381.000,10	1.035,05	1.384,95	2.420,00	379.615,15	15.915,15	20.384,85	36.300,00
16	379.615,15	1.031,29	1.388,71	2.420,00	378.226,44	16.946,44	21.773,56	38.720,00
17	378.226,44	1.027,52	1.392,48	2.420,00	376.833,96	17.973,96	23.166,04	41.140,00
18	376.833,96	1.023,73	1.396,27	2.420,00	375.437,69	18.997,69	24.562,31	43.560,00
19	375.437,69	1.019,94	1.400,06	2.420,00	374.037,63	20.017,63	25.962,37	45.980,00
20	374.037,63	1.016,14	1.403,86	2.420,00	372.633,76	21.033,76	27.366,24	48.400,00
21	372.633,76	1.012,32	1.407,68	2.420,00	371.226,08	22.046,08	28.773,92	50.820,00
22	371.226,08	1.008,50	1.411,50	2.420,00	369.814,58	23.054,58	30.185,42	53.240,00
23	369.814,58	1.004,66	1.415,34	2.420,00	368.399,24	24.059,24	31.600,76	55.660,00
24	368.399,24	1.000,82	1.419,18	2.420,00	366.980,06	25.060,06	33.019,94	58.080,00
25	366.980,06	996,96	1.423,04	2.420,00	365.557,03	26.057,03	34.442,97	60.500,00
26	365.557,03	993,10	1.426,90	2.420,00	364.130,12	27.050,12	35.869,88	62.920,00
27	364.130,12	989,22	1.430,78	2.420,00	362.699,34	28.039,34	37.300,66	65.340,00
28	362.699,34	985,33	1.434,67	2.420,00	361.264,68	29.024,68	38.735,32	67.760,00
29	361.264,68	981,44	1.438,56	2.420,00	359.826,11	30.006,11	40.173,89	70.180,00
30	359.826,11	977,53	1.442,47	2.420,00	358.383,64	30.983,64	41.616,36	72.600,00
31	358.383,64	973,61	1.446,39	2.420,00	356.937,25	31.957,25	43.062,75	75.020,00
32	356.937,25	969,68	1.450,32	2.420,00	355.486,93	32.926,93	44.513,07	77.440,00
33	355.486,93	965,74	1.454,26	2.420,00	354.032,67	33.892,67	45.967,33	79.860,00
34	354.032,67	961,79	1.458,21	2.420,00	352.574,45	34.854,45	47.425,55	82.280,00
35	352.574,45	957,83	1.462,17	2.420,00	351.112,28	35.812,28	48.887,72	84.700,00
36	351.112,28	953,86	1.466,14	2.420,00	349.646,14	36.766,14	50.353,86	87.120,00
37	349.646,14	949,87	1.470,13	2.420,00	348.176,01	37.716,01	51.823,99	89.540,00
38	348.176,01	945,88	1.474,12	2.420,00	346.701,89	38.661,89	53.298,11	91.960,00
39	346.701,89	941,87	1.478,13	2.420,00	345.223,76	39.603,76	54.776,24	94.380,00
40	345.223,76	937,86	1.482,14	2.420,00	343.741,62	40.541,62	56.258,38	96.800,00
41	343.741,62	933,83	1.486,17	2.420,00	342.255,45	41.475,45	57.744,55	99.220,00
42	342.255,45	929,79	1.490,21	2.420,00	340.765,24	42.405,24	59.234,76	101.640,00
43	340.765,24	925,75	1.494,25	2.420,00	339.270,99	43.330,99	60.729,01	104.060,00
44	339.270,99	921,69	1.498,31	2.420,00	337.772,68	44.252,68	62.227,32	106.480,00
45	337.772,68	917,62	1.502,38	2.420,00	336.270,29	45.170,29	63.729,71	108.900,00
46	336.270,29	913,53	1.506,47	2.420,00	334.763,83	46.083,83	65.236,17	111.320,00
47	334.763,83	909,44	1.510,56	2.420,00	333.253,27	46.993,27	66.746,73	113.740,00
48	333.253,27	905,34	1.514,66	2.420,00	331.738,61	47.898,61	68.261,39	116.160,00
49	331.738,61	901,22	1.518,78	2.420,00	330.219,83	48.799,83	69.780,17	118.580,00
50	330.219,83	897,10	1.522,90	2.420,00	328.696,93	49.696,93	71.303,07	121.000,00
51	328.696,93	892,96	1.527,04	2.420,00	327.169,89	50.589,89	72.830,11	123.420,00
52	327.169,89	888,81	1.531,19	2.420,00	325.638,70	51.478,70	74.361,30	125.840,00
53	325.638,70	884,65	1.535,35	2.420,00	324.103,35	52.363,35	75.896,65	128.260,00
54	324.103,35	880,48	1.539,52	2.420,00	322.563,83	53.243,83	77.436,17	130.680,00
55	322.563,83	876,30	1.543,70	2.420,00	321.020,13	54.120,13	78.979,87	133.100,00
56	321.020,13	872,10	1.547,90	2.420,00	319.472,23	54.992,23	80.527,77	135.520,00
57	319.472,23	867,90	1.552,10	2.420,00	317.920,13	55.860,13	82.079,87	137.940,00
58	317.920,13	863,68	1.556,32	2.420,00	316.363,82	56.723,82	83.636,18	140.360,00
59	316.363,82	859,46	1.560,54	2.420,00	314.803,27	57.583,27	85.196,73	142.780,00
60	314.803,27	855,22	1.564,78	2.420,00	313.238,49	58.438,49	86.761,51	145.200,00
61	313.238,49	850,96	1.569,04	2.420,00	311.669,45	59.289,45	88.330,55	147.620,00
62	311.669,45	846,70	1.573,30	2.420,00	310.096,15	60.136,15	89.903,85	150.040,00
63	310.096,15	842,43	1.577,57	2.420,00	308.518,58	60.978,58	91.481,42	152.460,00
64	308.518,58	838,14	1.581,86	2.420,00	306.936,72	61.816,72	93.063,28	154.880,00
65	306.936,72	833,84	1.586,16	2.420,00	305.350,57	62.650,57	94.649,43	157.300,00
66	305.350,57	829,54	1.590,46	2.420,00	303.760,10	63.480,10	96.239,90	159.720,00
67	303.760,10	825,21	1.594,79	2.420,00	302.165,32	64.305,32	97.834,68	162.140,00
68	302.165,32	820,88	1.599,12	2.420,00	300.566,20	65.126,20	99.433,80	164.560,00
69	300.566,20	816,54	1.603,46	2.420,00	298.962,74	65.942,74	101.037,26	166.980,00
70	298.962,74	812,18	1.607,82	2.420,00	297.354,92	66.754,92	102.645,08	169.400,00
71	297.354,92	807,81	1.612,19	2.420,00	295.742,74	67.562,74	104.257,26	171.820,00
72	295.742,74	803,43	1.616,57	2.420,00	294.126,17	68.366,17	105.873,83	174.240,00
73	294.126,17	799,04	1.620,96	2.420,00	292.505,21	69.165,21	107.494,79	176.660,00
74	292.505,21	794,64	1.625,36	2.420,00	290.879,85	69.959,85	109.120,15	179.080,00
75	290.879,85	790,22	1.629,78	2.420,00	289.250,08	70.750,08	110.749,92	181.500,00
76	289.250,08	785,80	1.634,20	2.420,00	287.615,87	71.535,87	112.384,13	183.920,00
77	287.615,87	781,36	1.638,64	2.420,00	285.977,23	72.317,23	114.022,77	186.340,00
78	285.977,23	776,90	1.643,10	2.420,00	284.334,13	73.094,13	115.665,87	188.760,00
79	284.334,13	772,44	1.647,56	2.420,00	282.686,57	73.866,57	117.313,43	191.180,00
80	282.686,57	767,97	1.652,03	2.420,00	281.034,54	74.634,54	118.965,46	193.600,00
81	281.034,54	763,48	1.656,52	2.420,00	279.378,02	75.398,02	120.621,98	196.020,00
82	279.378,02	758,98	1.661,02	2.420,00	277.716,99	76.156,99	122.283,01	198.440,00
83	277.716,99	754,46	1.665,54	2.420,00	276.051,46	76.911,46	123.948,54	200.860,00
84	276.051,46	749,94	1.670,06	2.420,00	274.381,40	77.661,40	125.618,60	203.280,00
85	274.381,40	745,40	1.674,60	2.420,00	272.706,80	78.406,80	127.293,20	205.700,00
86	272.706,80	740,85	1.679,15	2.420,00	271.027,65	79.147,65	128.972,35	208.120,00
87	271.027,65	736,29	1.683,71	2.420,00	269.343,95	79.883,95	130.656,05	210.540,00
88	269.343,95	731,72	1.688,28	2.420,00	267.655,66	80.615,66	132.344,34	212.960,00
89	267.655,66	727,13	1.692,87	2.420,00	265.962,79	81.342,79	134.037,21	215.380,00
90	265.962,79	722,53	1.697,47	2.420,00	264.265,33	82.065,33	135.734,67	217.800,00
91	264.265,33	717,92	1.702,08	2.420,00	262.563,25	82.783,25	137.436,75	220.220,00
92	262.563,25	713,30	1.706,70	2.420,00	260.856,54	83.496,54	139.143,46	222.640,00
93	260.856,54	708,66	1.711,34	2.420,00	259.145,20	84.205,20	140.854,80	225.060,00
94	259.145,20	704,01	1.715,99	2.420,00	257.429,22	84.909,22	142.570,78	227.480,00
95	257.429,22	699,35	1.720,65	2.420,00	255.708,57	85.608,57	144.291,43	229.900,00
96	255.708,57	694,67	1.725,33	2.420,00	253.983,24	86.303,24	146.016,76	232.320,00
97	253.983,24	689,99	1.730,01	2.420,00	252.253,23	86.993,23	147.746,77	234.740,00
98	252.253,23	685,29	1.734,71	2.420,00	250.518,52	87.678,52	149.481,48	237.160,00
99	250.518,52	680,58	1.739,42	2.420,00	248.779,09	88.359,09	151.220,91	239.580,00
100	248.779,09	675,85	1.744,15	2.420,00	247.034,94	89.034,94	152.965,06	242.000,00
101	247.034,94	671,11	1.748,89	2.420,00	245.286,05	89.706,05	154.713,95	244.420,00
102	245.286,05	666,36	1.753,64	2.420,00	243.532,41	90.372,41	156.467,59	246.840,00
103	243.532,41	661,60	1.758,40	2.420,00	241.774,01	91.034,01	158.225,99	249.260,00
104	241.774,01	656,82	1.763,18	2.420,00	240.010,83	91.690,83	159.989,17	251.680,00
105	240.010,83	652,03	1.767,97	2.420,00	238.242,86	92.342,86	161.757,14	254.100,00
106	238.242,86	647,23	1.772,77	2.420,00	236.470,08	92.990,08	163.529,92	256.520,00
107	236.470,08	642,41	1.777,59	2.420,00	234.692,49	93.632,49	165.307,51	258.940,00
108	234.692,49	637,58	1.782,42	2.420,00	232.910,08	94.270,08	167.089,92	261.360,00
109	232.910,08	632,74	1.787,26	2.420,00	231.122,82	94.902,82	168.877,18	263.780,00
110	231.122,82	627,88	1.792,12	2.420,00	229.330,70	95.530,70	170.669,30	266.200,00
111	229.330,70	623,02	1.796,98	2.420,00	227.533,71	96.153,71	172.466,29	268.620,00
112	227.533,71	618,13	1.801,87	2.420,00	225.731,85	96.771,85	174.268,15	271.040,00
113	225.731,85	613,24	1.806,76	2.420,00	223.925,09	97.385,09	176.074,91	273.460,00
114	223.925,09	608,33	1.811,67	2.420,00	222.113,42	97.993,42	177.886,58	275.880,00
115	222.113,42	603,41	1.816,59	2.420,00	220.296,82	98.596,82	179.703,18	278.300,00
116	220.296,82	598,47	1.821,53	2.420,00	218.475,30	99.195,30	181.524,70	280.720,00
117	218.475,30	593,52	1.826,48	2.420,00	216.648,82	99.788,82	183.351,18	283.140,00
118	216.648,82	588,56	1.831,44	2.420,00	214.817,38	100.377,38	185.182,62	285.560,00
119	214.817,38	583,59	1.836,41	2.420,00	212.980,97	100.960,97	187.019,03	287.980,00
120	212.980,97	578,60	1.841,40	2.420,00	211.139,57	101.539,57	188.860,43	290.400,00
121	211.139,57	573,60	1.846,40	2.420,00	209.293,16	102.113,16	190.706,84	292.820,00
122	209.293,16	568,58	1.851,42	2.420,00	207.441,74	102.681,74	192.558,26	295.240,00
123	207.441,74	563,55	1.856,45	2.420,00	205.585,29	103.245,29	194.414,71	297.660,00
124	205.585,29	558,51	1.861,49	2.420,00	203.723,80	103.803,80	196.276,20	300.080,00
125	203.723,80	553,45	1.866,55	2.420,00	201.857,25	104.357,25	198.142,75	302.500,00
126	201.857,25	548,38	1.871,62	2.420,00	199.985,63	104.905,63	200.014,37	304.920,00
127	199.985,63	543,29	1.876,71	2.420,00	198.108,92	105.448,92	201.891,08	307.340,00
128	198.108,92	538,20	1.881,80	2.420,00	196.227,12	105.987,12	203.772,88	309.760,00
129	196.227,12	533,08	1.886,92	2.420,00	194.340,20	106.520,20	205.659,80	312.180,00
130	194.340,20	527,96	1.892,04	2.420,00	192.448,16	107.048,16	207.551,84	314.600,00
131	192.448,16	522,82	1.897,18	2.420,00	190.550,98	107.570,98	209.449,02	317.020,00
132	190.550,98	517,66	1.902,34	2.420,00	188.648,64	108.088,64	211.351,36	319.440,00
133	188.648,64	512,50	1.907,50	2.420,00	186.741,14	108.601,14	213.258,86	321.860,00
134	186.741,14	507,31	1.912,69	2.420,00	184.828,45	109.108,45	215.171,55	324.280,00
135	184.828,45	502,12	1.917,88	2.420,00	182.910,57	109.610,57	217.089,43	326.700,00
136	182.910,57	496,91	1.923,09	2.420,00	180.987,48	110.107,48	219.012,52	329.120,00
137	180.987,48	491,68	1.928,32	2.420,00	179.059,16	110.599,16	220.940,84	331.540,00
138	179.059,16	486,44	1.933,56	2.420,00	177.125,60	111.085,60	222.874,40	333.960,00
139	177.125,60	481,19	1.938,81	2.420,00	175.186,79	111.566,79	224.813,21	336.380,00
140	175.186,79	475,92	1.944,08	2.420,00	173.242,72	112.042,72	226.757,28	338.800,00
141	173.242,72	470,64	1.949,36	2.420,00	171.293,36	112.513,36	228.706,64	341.220,00
142	171.293,36	465,35	1.954,65	2.420,00	169.338,71	112.978,71	230.661,29	343.640,00
143	169.338,71	460,04	1.959,96	2.420,00	167.378,74	113.438,74	232.621,26	346.060,00
144	167.378,74	454,71	1.965,29	2.420,00	165.413,46	113.893,46	234.586,54	348.480,00
145	165.413,46	449,37	1.970,63	2.420,00	163.442,83	114.342,83	236.557,17	350.900,00
146	163.442,83	444,02	1.975,98	2.420,00	161.466,85	114.786,85	238.533,15	353.320,00
147	161.466,85	438,65	1.981,35	2.420,00	159.485,50	115.225,50	240.514,50	355.740,00
148	159.485,50	433,27	1.986,73	2.420,00	157.498,77	115.658,77	242.501,23	358.160,00
149	157.498,77	427,87	1.992,13	2.420,00	155.506,64	116.086,64	244.493,36	360.580,00
150	155.506,64	422,46	1.997,54	2.420,00	153.509,10	116.509,10	246.490,90	363.000,00
151	153.509,10	417,03	2.002,97	2.420,00	151.506,13	116.926,13	248.493,87	365.420,00
152	151.506,13	411,59	2.008,41	2.420,00	149.497,73	117.337,73	250.502,27	367.840,00
153	149.497,73	406,14	2.013,86	2.420,00	147.483,86	117.743,86	252.516,14	370.260,00
154	147.483,86	400,66	2.019,34	2.420,00	145.464,53	118.144,53	254.535,47	372.680,00
155	145.464,53	395,18	2.024,82	2.420,00	143.439,70	118.539,70	256.560,30	375.100,00
156	143.439,70	389,68	2.030,32	2.420,00	141.409,38	118.929,38	258.590,62	377.520,00
157	141.409,38	384,16	2.035,84	2.420,00	139.373,54	119.313,54	260.626,46	379.940,00
158	139.373,54	378,63	2.041,37	2.420,00	137.332,18	119.692,18	262.667,82	382.360,00
159	137.332,18	373,09	2.046,91	2.420,00	135.285,26	120.065,26	264.714,74	384.780,00
160	135.285,26	367,52	2.052,48	2.420,00	133.232,79	120.432,79	266.767,21	387.200,00
161	133.232,79	361,95	2.058,05	2.420,00	131.174,74	120.794,74	268.825,26	389.620,00
162	131.174,74	356,36	2.063,64	2.420,00	129.111,09	121.151,09	270.888,91	392.040,00
163	129.111,09	350,75	2.069,25	2.420,00	127.041,85	121.501,85	272.958,15	394.460,00
164	127.041,85	345,13	2.074,87	2.420,00	124.966,98	121.846,98	275.033,02	396.880,00
165	124.966,98	339,49	2.080,51	2.420,00	122.886,47	122.186,47	277.113,53	399.300,00
166	122.886,47	333,84	2.086,16	2.420,00	120.800,31	122.520,31	279.199,69	401.720,00
167	120.800,31	328,17	2.091,83	2.420,00	118.708,49	122.848,49	281.291,51	404.140,00
168	118.708,49	322,49	2.097,51	2.420,00	116.610,98	123.170,98	283.389,02	406.560,00
169	116.610,98	316,79	2.103,21	2.420,00	114.507,77	123.487,77	285.492,23	408.980,00
170	114.507,77	311,08	2.108,92	2.420,00	112.398,85	123.798,85	287.601,15	411.400,00
171	112.398,85	305,35	2.114,65	2.420,00	110.284,20	124.104,20	289.715,80	413.820,00
172	110.284,20	299,61	2.120,39	2.420,00	108.163,81	124.403,81	291.836,19	416.240,00
173	108.163,81	293,85	2.126,15	2.420,00	106.037,65	124.697,65	293.962,35	418.660,00
174	106.037,65	288,07	2.131,93	2.420,00	103.905,72	124.985,72	296.094,28	421.080,00
175	103.905,72	282,28	2.137,72	2.420,00	101.768,00	125.268,00	298.232,00	423.500,00
176	101.768,00	276,47	2.143,53	2.420,00	99.624,47	125.544,47	300.375,53	425.920,00
177	99.624,47	270,65	2.149,35	2.420,00	97.475,11	125.815,11	302.524,89	428.340,00
178	97.475,11	264,81	2.155,19	2.420,00	95.319,92	126.079,92	304.680,08	430.760,00
179	95.319,92	258,95	2.161,05	2.420,00	93.158,87	126.338,87	306.841,13	433.180,00
180	93.158,87	253,08	2.166,92	2.420,00	90.991,95	126.591,95	309.008,05	435.600,00
181	90.991,95	247,19	2.172,81	2.420,00	88.819,15	126.839,15	311.180,85	438.020,00
182	88.819,15	241,29	2.178,71	2.420,00	86.640,44	127.080,44	313.359,56	440.440,00
183	86.640,44	235,37	2.184,63	2.420,00	84.455,81	127.315,81	315.544,19	442.860,00
184	84.455,81	229,44	2.190,56	2.420,00	82.265,25	127.545,25	317.734,75	445.280,00
185	82.265,25	223,49	2.196,51	2.420,00	80.068,74	127.768,74	319.931,26	447.700,00
186	80.068,74	217,52	2.202,48	2.420,00	77.866,26	127.986,26	322.133,74	450.120,00
187	77.866,26	211,54	2.208,46	2.420,00	75.657,80	128.197,80	324.342,20	452.540,00
188	75.657,80	205,54	2.214,46	2.420,00	73.443,33	128.403,33	326.556,67	454.960,00
189	73.443,33	199,52	2.220,48	2.420,00	71.222,85	128.602,85	328.777,15	457.380,00
190	71.222,85	193,49	2.226,51	2.420,00	68.996,34	128.796,34	331.003,66	459.800,00
191	68.996,34	187,44	2.232,56	2.420,00	66.763,78	128.983,78	333.236,22	462.220,00
192	66.763,78	181,37	2.238,63	2.420,00	64.525,16	129.165,16	335.474,84	464.640,00
193	64.525,16	175,29	2.244,71	2.420,00	62.280,45	129.340,45	337.719,55	467.060,00
194	62.280,45	169,20	2.250,80	2.420,00	60.029,65	129.509,65	339.970,35	469.480,00
195	60.029,65	163,08	2.256,92	2.420,00	57.772,73	129.672,73	342.227,27	471.900,00
196	57.772,73	156,95	2.263,05	2.420,00	55.509,68	129.829,68	344.490,32	474.320,00
197	55.509,68	150,80	2.269,20	2.420,00	53.240,48	129.980,48	346.759,52	476.740,00
198	53.240,48	144,64	2.275,36	2.420,00	50.965,11	130.125,11	349.034,89	479.160,00
199	50.965,11	138,46	2.281,54	2.420,00	48.683,57	130.263,57	351.316,43	481.580,00
200	48.683,57	132,26	2.287,74	2.420,00	46.395,83	130.395,83	353.604,17	484.000,00
201	46.395,83	126,04	2.293,96	2.420,00	44.101,87	130.521,87	355.898,13	486.420,00
202	44.101,87	119,81	2.300,19	2.420,00	41.801,68	130.641,68	358.198,32	488.840,00
203	41.801,68	113,56	2.306,44	2.420,00	39.495,24	130.755,24	360.504,76	491.260,00
204	39.495,24	107,30	2.312,70	2.420,00	37.182,54	130.862,54	362.817,46	493.680,00
205	37.182,54	101,01	2.318,99	2.420,00	34.863,55	130.963,55	365.136,45	496.100,00
206	34.863,55	94,71	2.325,29	2.420,00	32.538,26	131.058,26	367.461,74	498.520,00
207	32.538,26	88,40	2.331,60	2.420,00	30.206,66	131.146,66	369.793,34	500.940,00
208	30.206,66	82,06	2.337,94	2.420,00	27.868,72	131.228,72	372.131,28	503.360,00
209	27.868,72	75,71	2.344,29	2.420,00	25.524,43	131.304,43	374.475,57	505.780,00
210	25.524,43	69,34	2.350,66	2.420,00	23.173,77	131.373,77	376.826,23	508.200,00
211	23.173,77	62,96	2.357,04	2.420,00	20.816,72	131.436,72	379.183,28	510.620,00
212	20.816,72	56,55	2.363,45	2.420,00	18.453,28	131.493,28	381.546,72	513.040,00
213	18.453,28	50,13	2.369,87	2.420,00	16.083,41	131.543,41	383.916,59	515.460,00
214	16.083,41	43,69	2.376,31	2.420,00	13.707,10	131.587,10	386.292,90	517.880,00
215	13.707,10	37,24	2.382,76	2.420,00	11.324,34	131.624,34	388.675,66	520.300,00
216	11.324,34	30,76	2.389,24	2.420,00	8.935,10	131.655,10	391.064,90	522.720,00
217	8.935,10	24,27	2.395,73	2.420,00	6.539,38	131.679,38	393.460,62	525.140,00
218	6.539,38	17,77	2.402,23	2.420,00	4.137,14	131.697,14	395.862,86	527.560,00
219	4.137,14	11,24	2.408,76	2.420,00	1.728,38	131.708,38	398.271,62	529.980,00
220	1.728,38	4,70	1.728,38	1.728,38	1.728,38	131.713,08	400.000,00	531.713,08

DTW Baufinanzierung

3.48/5,00

137.967,06€
Zinsanteil

2.483,33€
Monatsrate

3,45%
Sollzins p.a.

3,50%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 200.000,00 €;Kreditrate: 838,33 €;Gesamtbetrag: 150.900,00 €;Anzahl Kreditraten: 180;Laufzeit: 380 Monate;Effektiver Jahreszins: 3,07 %;Gebundener Sollzins: 3,03 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.150,00	1.333,33	2.483,33	398.666,67	1.150,00	1.333,33	2.483,33
2	398.666,67	1.146,17	1.337,17	2.483,33	397.329,50	2.296,17	2.670,50	4.966,67
3	397.329,50	1.142,32	1.341,01	2.483,33	395.988,49	3.438,49	4.011,51	7.450,00
4	395.988,49	1.138,47	1.344,87	2.483,33	394.643,62	4.576,96	5.356,38	9.933,33
5	394.643,62	1.134,60	1.348,73	2.483,33	393.294,89	5.711,56	6.705,11	12.416,67
6	393.294,89	1.130,72	1.352,61	2.483,33	391.942,28	6.842,28	8.057,72	14.900,00
7	391.942,28	1.126,83	1.356,50	2.483,33	390.585,78	7.969,11	9.414,22	17.383,33
8	390.585,78	1.122,93	1.360,40	2.483,33	389.225,38	9.092,05	10.774,62	19.866,67
9	389.225,38	1.119,02	1.364,31	2.483,33	387.861,07	10.211,07	12.138,93	22.350,00
10	387.861,07	1.115,10	1.368,23	2.483,33	386.492,84	11.326,17	13.507,16	24.833,33
11	386.492,84	1.111,17	1.372,17	2.483,33	385.120,67	12.437,34	14.879,33	27.316,67
12	385.120,67	1.107,22	1.376,11	2.483,33	383.744,56	13.544,56	16.255,44	29.800,00
13	383.744,56	1.103,27	1.380,07	2.483,33	382.364,49	14.647,83	17.635,51	32.283,33
14	382.364,49	1.099,30	1.384,04	2.483,33	380.980,46	15.747,12	19.019,54	34.766,67
15	380.980,46	1.095,32	1.388,01	2.483,33	379.592,44	16.842,44	20.407,56	37.250,00
16	379.592,44	1.091,33	1.392,01	2.483,33	378.200,44	17.933,77	21.799,56	39.733,33
17	378.200,44	1.087,33	1.396,01	2.483,33	376.804,43	19.021,10	23.195,57	42.216,67
18	376.804,43	1.083,31	1.400,02	2.483,33	375.404,41	20.104,41	24.595,59	44.700,00
19	375.404,41	1.079,29	1.404,05	2.483,33	374.000,36	21.183,70	25.999,64	47.183,33
20	374.000,36	1.075,25	1.408,08	2.483,33	372.592,28	22.258,95	27.407,72	49.666,67
21	372.592,28	1.071,20	1.412,13	2.483,33	371.180,15	23.330,15	28.819,85	52.150,00
22	371.180,15	1.067,14	1.416,19	2.483,33	369.763,96	24.397,29	30.236,04	54.633,33
23	369.763,96	1.063,07	1.420,26	2.483,33	368.343,70	25.460,37	31.656,30	57.116,67
24	368.343,70	1.058,99	1.424,35	2.483,33	366.919,35	26.519,35	33.080,65	59.600,00
25	366.919,35	1.054,89	1.428,44	2.483,33	365.490,91	27.574,25	34.509,09	62.083,33
26	365.490,91	1.050,79	1.432,55	2.483,33	364.058,37	28.625,03	35.941,63	64.566,67
27	364.058,37	1.046,67	1.436,67	2.483,33	362.621,70	29.671,70	37.378,30	67.050,00
28	362.621,70	1.042,54	1.440,80	2.483,33	361.180,90	30.714,24	38.819,10	69.533,33
29	361.180,90	1.038,40	1.444,94	2.483,33	359.735,97	31.752,63	40.264,03	72.016,67
30	359.735,97	1.034,24	1.449,09	2.483,33	358.286,87	32.786,87	41.713,13	74.500,00
31	358.286,87	1.030,07	1.453,26	2.483,33	356.833,62	33.816,95	43.166,38	76.983,33
32	356.833,62	1.025,90	1.457,44	2.483,33	355.376,18	34.842,85	44.623,82	79.466,67
33	355.376,18	1.021,71	1.461,63	2.483,33	353.914,55	35.864,55	46.085,45	81.950,00
34	353.914,55	1.017,50	1.465,83	2.483,33	352.448,72	36.882,06	47.551,28	84.433,33
35	352.448,72	1.013,29	1.470,04	2.483,33	350.978,68	37.895,35	49.021,32	86.916,67
36	350.978,68	1.009,06	1.474,27	2.483,33	349.504,41	38.904,41	50.495,59	89.400,00
37	349.504,41	1.004,83	1.478,51	2.483,33	348.025,90	39.909,24	51.974,10	91.883,33
38	348.025,90	1.000,57	1.482,76	2.483,33	346.543,14	40.909,81	53.456,86	94.366,67
39	346.543,14	996,31	1.487,02	2.483,33	345.056,12	41.906,12	54.943,88	96.850,00
40	345.056,12	992,04	1.491,30	2.483,33	343.564,82	42.898,16	56.435,18	99.333,33
41	343.564,82	987,75	1.495,58	2.483,33	342.069,24	43.885,91	57.930,76	101.816,67
42	342.069,24	983,45	1.499,88	2.483,33	340.569,36	44.869,36	59.430,64	104.300,00
43	340.569,36	979,14	1.504,20	2.483,33	339.065,16	45.848,49	60.934,84	106.783,33
44	339.065,16	974,81	1.508,52	2.483,33	337.556,64	46.823,30	62.443,36	109.266,67
45	337.556,64	970,48	1.512,86	2.483,33	336.043,78	47.793,78	63.956,22	111.750,00
46	336.043,78	966,13	1.517,21	2.483,33	334.526,57	48.759,91	65.473,43	114.233,33
47	334.526,57	961,76	1.521,57	2.483,33	333.005,00	49.721,67	66.995,00	116.716,67
48	333.005,00	957,39	1.525,94	2.483,33	331.479,06	50.679,06	68.520,94	119.200,00
49	331.479,06	953,00	1.530,33	2.483,33	329.948,73	51.632,06	70.051,27	121.683,33
50	329.948,73	948,60	1.534,73	2.483,33	328.414,00	52.580,66	71.586,00	124.166,67
51	328.414,00	944,19	1.539,14	2.483,33	326.874,85	53.524,85	73.125,15	126.650,00
52	326.874,85	939,77	1.543,57	2.483,33	325.331,29	54.464,62	74.668,71	129.133,33
53	325.331,29	935,33	1.548,01	2.483,33	323.783,28	55.399,95	76.216,72	131.616,67
54	323.783,28	930,88	1.552,46	2.483,33	322.230,82	56.330,82	77.769,18	134.100,00
55	322.230,82	926,41	1.556,92	2.483,33	320.673,90	57.257,24	79.326,10	136.583,33
56	320.673,90	921,94	1.561,40	2.483,33	319.112,51	58.179,17	80.887,49	139.066,67
57	319.112,51	917,45	1.565,88	2.483,33	317.546,62	59.096,62	82.453,38	141.550,00
58	317.546,62	912,95	1.570,39	2.483,33	315.976,24	60.009,57	84.023,76	144.033,33
59	315.976,24	908,43	1.574,90	2.483,33	314.401,33	60.918,00	85.598,67	146.516,67
60	314.401,33	903,90	1.579,43	2.483,33	312.821,91	61.821,91	87.178,09	149.000,00
61	312.821,91	899,36	1.583,97	2.483,33	311.237,94	62.721,27	88.762,06	151.483,33
62	311.237,94	894,81	1.588,52	2.483,33	309.649,41	63.616,08	90.350,59	153.966,67
63	309.649,41	890,24	1.593,09	2.483,33	308.056,32	64.506,32	91.943,68	156.450,00
64	308.056,32	885,66	1.597,67	2.483,33	306.458,65	65.391,98	93.541,35	158.933,33
65	306.458,65	881,07	1.602,26	2.483,33	304.856,38	66.273,05	95.143,62	161.416,67
66	304.856,38	876,46	1.606,87	2.483,33	303.249,51	67.149,51	96.750,49	163.900,00
67	303.249,51	871,84	1.611,49	2.483,33	301.638,02	68.021,35	98.361,98	166.383,33
68	301.638,02	867,21	1.616,12	2.483,33	300.021,90	68.888,56	99.978,10	168.866,67
69	300.021,90	862,56	1.620,77	2.483,33	298.401,13	69.751,13	101.598,87	171.350,00
70	298.401,13	857,90	1.625,43	2.483,33	296.775,70	70.609,03	103.224,30	173.833,33
71	296.775,70	853,23	1.630,10	2.483,33	295.145,59	71.462,26	104.854,41	176.316,67
72	295.145,59	848,54	1.634,79	2.483,33	293.510,80	72.310,80	106.489,20	178.800,00
73	293.510,80	843,84	1.639,49	2.483,33	291.871,31	73.154,65	108.128,69	181.283,33
74	291.871,31	839,13	1.644,20	2.483,33	290.227,11	73.993,78	109.772,89	183.766,67
75	290.227,11	834,40	1.648,93	2.483,33	288.578,18	74.828,18	111.421,82	186.250,00
76	288.578,18	829,66	1.653,67	2.483,33	286.924,51	75.657,84	113.075,49	188.733,33
77	286.924,51	824,91	1.658,43	2.483,33	285.266,08	76.482,75	114.733,92	191.216,67
78	285.266,08	820,14	1.663,19	2.483,33	283.602,89	77.302,89	116.397,11	193.700,00
79	283.602,89	815,36	1.667,98	2.483,33	281.934,92	78.118,25	118.065,08	196.183,33
80	281.934,92	810,56	1.672,77	2.483,33	280.262,15	78.928,81	119.737,85	198.666,67
81	280.262,15	805,75	1.677,58	2.483,33	278.584,57	79.734,57	121.415,43	201.150,00
82	278.584,57	800,93	1.682,40	2.483,33	276.902,16	80.535,50	123.097,84	203.633,33
83	276.902,16	796,09	1.687,24	2.483,33	275.214,92	81.331,59	124.785,08	206.116,67
84	275.214,92	791,24	1.692,09	2.483,33	273.522,83	82.122,83	126.477,17	208.600,00
85	273.522,83	786,38	1.696,96	2.483,33	271.825,88	82.909,21	128.174,12	211.083,33
86	271.825,88	781,50	1.701,83	2.483,33	270.124,04	83.690,71	129.875,96	213.566,67
87	270.124,04	776,61	1.706,73	2.483,33	268.417,32	84.467,32	131.582,68	216.050,00
88	268.417,32	771,70	1.711,63	2.483,33	266.705,68	85.239,02	133.294,32	218.533,33
89	266.705,68	766,78	1.716,55	2.483,33	264.989,13	86.005,80	135.010,87	221.016,67
90	264.989,13	761,84	1.721,49	2.483,33	263.267,64	86.767,64	136.732,36	223.500,00
91	263.267,64	756,89	1.726,44	2.483,33	261.541,20	87.524,53	138.458,80	225.983,33
92	261.541,20	751,93	1.731,40	2.483,33	259.809,80	88.276,46	140.190,20	228.466,67
93	259.809,80	746,95	1.736,38	2.483,33	258.073,42	89.023,42	141.926,58	230.950,00
94	258.073,42	741,96	1.741,37	2.483,33	256.332,05	89.765,38	143.667,95	233.433,33
95	256.332,05	736,95	1.746,38	2.483,33	254.585,67	90.502,33	145.414,33	235.916,67
96	254.585,67	731,93	1.751,40	2.483,33	252.834,27	91.234,27	147.165,73	238.400,00
97	252.834,27	726,90	1.756,43	2.483,33	251.077,83	91.961,17	148.922,17	240.883,33
98	251.077,83	721,85	1.761,48	2.483,33	249.316,35	92.683,01	150.683,65	243.366,67
99	249.316,35	716,78	1.766,55	2.483,33	247.549,80	93.399,80	152.450,20	245.850,00
100	247.549,80	711,71	1.771,63	2.483,33	245.778,17	94.111,50	154.221,83	248.333,33
101	245.778,17	706,61	1.776,72	2.483,33	244.001,45	94.818,12	155.998,55	250.816,67
102	244.001,45	701,50	1.781,83	2.483,33	242.219,62	95.519,62	157.780,38	253.300,00
103	242.219,62	696,38	1.786,95	2.483,33	240.432,67	96.216,00	159.567,33	255.783,33
104	240.432,67	691,24	1.792,09	2.483,33	238.640,58	96.907,25	161.359,42	258.266,67
105	238.640,58	686,09	1.797,24	2.483,33	236.843,34	97.593,34	163.156,66	260.750,00
106	236.843,34	680,92	1.802,41	2.483,33	235.040,93	98.274,26	164.959,07	263.233,33
107	235.040,93	675,74	1.807,59	2.483,33	233.233,34	98.950,01	166.766,66	265.716,67
108	233.233,34	670,55	1.812,79	2.483,33	231.420,55	99.620,55	168.579,45	268.200,00
109	231.420,55	665,33	1.818,00	2.483,33	229.602,55	100.285,89	170.397,45	270.683,33
110	229.602,55	660,11	1.823,23	2.483,33	227.779,33	100.945,99	172.220,67	273.166,67
111	227.779,33	654,87	1.828,47	2.483,33	225.950,86	101.600,86	174.049,14	275.650,00
112	225.950,86	649,61	1.833,72	2.483,33	224.117,13	102.250,47	175.882,87	278.133,33
113	224.117,13	644,34	1.839,00	2.483,33	222.278,14	102.894,80	177.721,86	280.616,67
114	222.278,14	639,05	1.844,28	2.483,33	220.433,85	103.533,85	179.566,15	283.100,00
115	220.433,85	633,75	1.849,59	2.483,33	218.584,27	104.167,60	181.415,73	285.583,33
116	218.584,27	628,43	1.854,90	2.483,33	216.729,36	104.796,03	183.270,64	288.066,67
117	216.729,36	623,10	1.860,24	2.483,33	214.869,13	105.419,13	185.130,87	290.550,00
118	214.869,13	617,75	1.865,58	2.483,33	213.003,54	106.036,88	186.996,46	293.033,33
119	213.003,54	612,39	1.870,95	2.483,33	211.132,59	106.649,26	188.867,41	295.516,67
120	211.132,59	607,01	1.876,33	2.483,33	209.256,27	107.256,27	190.743,73	298.000,00
121	209.256,27	601,61	1.881,72	2.483,33	207.374,55	107.857,88	192.625,45	300.483,33
122	207.374,55	596,20	1.887,13	2.483,33	205.487,41	108.454,08	194.512,59	302.966,67
123	205.487,41	590,78	1.892,56	2.483,33	203.594,86	109.044,86	196.405,14	305.450,00
124	203.594,86	585,34	1.898,00	2.483,33	201.696,86	109.630,19	198.303,14	307.933,33
125	201.696,86	579,88	1.903,45	2.483,33	199.793,40	110.210,07	200.206,60	310.416,67
126	199.793,40	574,41	1.908,93	2.483,33	197.884,48	110.784,48	202.115,52	312.900,00
127	197.884,48	568,92	1.914,42	2.483,33	195.970,06	111.353,40	204.029,94	315.383,33
128	195.970,06	563,41	1.919,92	2.483,33	194.050,14	111.916,81	205.949,86	317.866,67
129	194.050,14	557,89	1.925,44	2.483,33	192.124,70	112.474,70	207.875,30	320.350,00
130	192.124,70	552,36	1.930,97	2.483,33	190.193,73	113.027,06	209.806,27	322.833,33
131	190.193,73	546,81	1.936,53	2.483,33	188.257,20	113.573,87	211.742,80	325.316,67
132	188.257,20	541,24	1.942,09	2.483,33	186.315,11	114.115,11	213.684,89	327.800,00
133	186.315,11	535,66	1.947,68	2.483,33	184.367,43	114.650,76	215.632,57	330.283,33
134	184.367,43	530,06	1.953,28	2.483,33	182.414,15	115.180,82	217.585,85	332.766,67
135	182.414,15	524,44	1.958,89	2.483,33	180.455,26	115.705,26	219.544,74	335.250,00
136	180.455,26	518,81	1.964,52	2.483,33	178.490,74	116.224,07	221.509,26	337.733,33
137	178.490,74	513,16	1.970,17	2.483,33	176.520,56	116.737,23	223.479,44	340.216,67
138	176.520,56	507,50	1.975,84	2.483,33	174.544,73	117.244,73	225.455,27	342.700,00
139	174.544,73	501,82	1.981,52	2.483,33	172.563,21	117.746,54	227.436,79	345.183,33
140	172.563,21	496,12	1.987,21	2.483,33	170.576,00	118.242,66	229.424,00	347.666,67
141	170.576,00	490,41	1.992,93	2.483,33	168.583,07	118.733,07	231.416,93	350.150,00
142	168.583,07	484,68	1.998,66	2.483,33	166.584,41	119.217,75	233.415,59	352.633,33
143	166.584,41	478,93	2.004,40	2.483,33	164.580,01	119.696,68	235.419,99	355.116,67
144	164.580,01	473,17	2.010,17	2.483,33	162.569,84	120.169,84	237.430,16	357.600,00
145	162.569,84	467,39	2.015,95	2.483,33	160.553,90	120.637,23	239.446,10	360.083,33
146	160.553,90	461,59	2.021,74	2.483,33	158.532,16	121.098,82	241.467,84	362.566,67
147	158.532,16	455,78	2.027,55	2.483,33	156.504,60	121.554,60	243.495,40	365.050,00
148	156.504,60	449,95	2.033,38	2.483,33	154.471,22	122.004,55	245.528,78	367.533,33
149	154.471,22	444,10	2.039,23	2.483,33	152.431,99	122.448,66	247.568,01	370.016,67
150	152.431,99	438,24	2.045,09	2.483,33	150.386,90	122.886,90	249.613,10	372.500,00
151	150.386,90	432,36	2.050,97	2.483,33	148.335,93	123.319,26	251.664,07	374.983,33
152	148.335,93	426,47	2.056,87	2.483,33	146.279,06	123.745,73	253.720,94	377.466,67
153	146.279,06	420,55	2.062,78	2.483,33	144.216,28	124.166,28	255.783,72	379.950,00
154	144.216,28	414,62	2.068,71	2.483,33	142.147,57	124.580,90	257.852,43	382.433,33
155	142.147,57	408,67	2.074,66	2.483,33	140.072,91	124.989,58	259.927,09	384.916,67
156	140.072,91	402,71	2.080,62	2.483,33	137.992,29	125.392,29	262.007,71	387.400,00
157	137.992,29	396,73	2.086,61	2.483,33	135.905,68	125.789,01	264.094,32	389.883,33
158	135.905,68	390,73	2.092,60	2.483,33	133.813,08	126.179,74	266.186,92	392.366,67
159	133.813,08	384,71	2.098,62	2.483,33	131.714,46	126.564,46	268.285,54	394.850,00
160	131.714,46	378,68	2.104,65	2.483,33	129.609,80	126.943,14	270.390,20	397.333,33
161	129.609,80	372,63	2.110,71	2.483,33	127.499,10	127.315,76	272.500,90	399.816,67
162	127.499,10	366,56	2.116,77	2.483,33	125.382,32	127.682,32	274.617,68	402.300,00
163	125.382,32	360,47	2.122,86	2.483,33	123.259,46	128.042,80	276.740,54	404.783,33
164	123.259,46	354,37	2.128,96	2.483,33	121.130,50	128.397,17	278.869,50	407.266,67
165	121.130,50	348,25	2.135,08	2.483,33	118.995,42	128.745,42	281.004,58	409.750,00
166	118.995,42	342,11	2.141,22	2.483,33	116.854,20	129.087,53	283.145,80	412.233,33
167	116.854,20	335,96	2.147,38	2.483,33	114.706,82	129.423,49	285.293,18	414.716,67
168	114.706,82	329,78	2.153,55	2.483,33	112.553,27	129.753,27	287.446,73	417.200,00
169	112.553,27	323,59	2.159,74	2.483,33	110.393,53	130.076,86	289.606,47	419.683,33
170	110.393,53	317,38	2.165,95	2.483,33	108.227,57	130.394,24	291.772,43	422.166,67
171	108.227,57	311,15	2.172,18	2.483,33	106.055,39	130.705,39	293.944,61	424.650,00
172	106.055,39	304,91	2.178,42	2.483,33	103.876,97	131.010,30	296.123,03	427.133,33
173	103.876,97	298,65	2.184,69	2.483,33	101.692,28	131.308,95	298.307,72	429.616,67
174	101.692,28	292,37	2.190,97	2.483,33	99.501,32	131.601,32	300.498,68	432.100,00
175	99.501,32	286,07	2.197,27	2.483,33	97.304,05	131.887,38	302.695,95	434.583,33
176	97.304,05	279,75	2.203,58	2.483,33	95.100,46	132.167,13	304.899,54	437.066,67
177	95.100,46	273,41	2.209,92	2.483,33	92.890,54	132.440,54	307.109,46	439.550,00
178	92.890,54	267,06	2.216,27	2.483,33	90.674,27	132.707,61	309.325,73	442.033,33
179	90.674,27	260,69	2.222,64	2.483,33	88.451,63	132.968,29	311.548,37	444.516,67
180	88.451,63	254,30	2.229,03	2.483,33	86.222,59	133.222,59	313.777,41	447.000,00
181	86.222,59	247,89	2.235,44	2.483,33	83.987,15	133.470,48	316.012,85	449.483,33
182	83.987,15	241,46	2.241,87	2.483,33	81.745,28	133.711,95	318.254,72	451.966,67
183	81.745,28	235,02	2.248,32	2.483,33	79.496,96	133.946,96	320.503,04	454.450,00
184	79.496,96	228,55	2.254,78	2.483,33	77.242,18	134.175,52	322.757,82	456.933,33
185	77.242,18	222,07	2.261,26	2.483,33	74.980,92	134.397,59	325.019,08	459.416,67
186	74.980,92	215,57	2.267,76	2.483,33	72.713,16	134.613,16	327.286,84	461.900,00
187	72.713,16	209,05	2.274,28	2.483,33	70.438,88	134.822,21	329.561,12	464.383,33
188	70.438,88	202,51	2.280,82	2.483,33	68.158,05	135.024,72	331.841,95	466.866,67
189	68.158,05	195,95	2.287,38	2.483,33	65.870,67	135.220,67	334.129,33	469.350,00
190	65.870,67	189,38	2.293,96	2.483,33	63.576,72	135.410,05	336.423,28	471.833,33
191	63.576,72	182,78	2.300,55	2.483,33	61.276,17	135.592,84	338.723,83	474.316,67
192	61.276,17	176,17	2.307,16	2.483,33	58.969,00	135.769,00	341.031,00	476.800,00
193	58.969,00	169,54	2.313,80	2.483,33	56.655,21	135.938,54	343.344,79	479.283,33
194	56.655,21	162,88	2.320,45	2.483,33	54.334,76	136.101,42	345.665,24	481.766,67
195	54.334,76	156,21	2.327,12	2.483,33	52.007,64	136.257,64	347.992,36	484.250,00
196	52.007,64	149,52	2.333,81	2.483,33	49.673,83	136.407,16	350.326,17	486.733,33
197	49.673,83	142,81	2.340,52	2.483,33	47.333,30	136.549,97	352.666,70	489.216,67
198	47.333,30	136,08	2.347,25	2.483,33	44.986,05	136.686,05	355.013,95	491.700,00
199	44.986,05	129,33	2.354,00	2.483,33	42.632,06	136.815,39	357.367,94	494.183,33
200	42.632,06	122,57	2.360,77	2.483,33	40.271,29	136.937,96	359.728,71	496.666,67
201	40.271,29	115,78	2.367,55	2.483,33	37.903,74	137.053,74	362.096,26	499.150,00
202	37.903,74	108,97	2.374,36	2.483,33	35.529,38	137.162,71	364.470,62	501.633,33
203	35.529,38	102,15	2.381,19	2.483,33	33.148,19	137.264,86	366.851,81	504.116,67
204	33.148,19	95,30	2.388,03	2.483,33	30.760,16	137.360,16	369.239,84	506.600,00
205	30.760,16	88,44	2.394,90	2.483,33	28.365,26	137.448,59	371.634,74	509.083,33
206	28.365,26	81,55	2.401,78	2.483,33	25.963,48	137.530,14	374.036,52	511.566,67
207	25.963,48	74,64	2.408,69	2.483,33	23.554,79	137.604,79	376.445,21	514.050,00
208	23.554,79	67,72	2.415,61	2.483,33	21.139,17	137.672,51	378.860,83	516.533,33
209	21.139,17	60,78	2.422,56	2.483,33	18.716,62	137.733,28	381.283,38	519.016,67
210	18.716,62	53,81	2.429,52	2.483,33	16.287,09	137.787,09	383.712,91	521.500,00
211	16.287,09	46,83	2.436,51	2.483,33	13.850,59	137.833,92	386.149,41	523.983,33
212	13.850,59	39,82	2.443,51	2.483,33	11.407,07	137.873,74	388.592,93	526.466,67
213	11.407,07	32,80	2.450,54	2.483,33	8.956,53	137.906,53	391.043,47	528.950,00
214	8.956,53	25,75	2.457,58	2.483,33	6.498,95	137.932,28	393.501,05	531.433,33
215	6.498,95	18,68	2.464,65	2.483,33	4.034,30	137.950,97	395.965,70	533.916,67
216	4.034,30	11,60	2.471,73	2.483,33	1.562,57	137.962,57	398.437,43	536.400,00
217	1.562,57	4,49	1.562,57	1.562,57	1.562,57	137.967,06	400.000,00	537.967,06

DSL Bank Baufinanzierung

3.34/5,00

138.943,59€
Zinsanteil

2.493,33€
Monatsrate

3,48%
Sollzins p.a.

3,56%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 100.000,00 €;Kreditrate: 621,25 €;Gesamtbetrag: 74.550,00 €;Anzahl Kreditraten: 1440;Laufzeit: 383 Monate;Effektiver Jahreszins: 3,04 %;Gebundener Sollzins: 2,97 %;

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

Baufi-line Baufinanzierung

3.15/5,00

139.268,13€
Zinsanteil

2.496,67€
Monatsrate

3,49%
Sollzins p.a.

3,57%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 150.000,00 €;Kreditrate: 680,00 €;Gesamtbetrag: 81.600,00 €;Anzahl Kreditraten: 1440;Laufzeit: 377 Monate;Effektiver Jahreszins: 3,49 %;Gebundener Sollzins: 3,44 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.163,33	1.333,33	2.496,67	398.666,67	1.163,33	1.333,33	2.496,67
2	398.666,67	1.159,46	1.337,21	2.496,67	397.329,46	2.322,79	2.670,54	4.993,33
3	397.329,46	1.155,57	1.341,10	2.496,67	395.988,36	3.478,36	4.011,64	7.490,00
4	395.988,36	1.151,67	1.345,00	2.496,67	394.643,35	4.630,02	5.356,65	9.986,67
5	394.643,35	1.147,75	1.348,91	2.496,67	393.294,44	5.777,78	6.705,56	12.483,33
6	393.294,44	1.143,83	1.352,84	2.496,67	391.941,61	6.921,61	8.058,39	14.980,00
7	391.941,61	1.139,90	1.356,77	2.496,67	390.584,84	8.061,50	9.415,16	17.476,67
8	390.584,84	1.135,95	1.360,72	2.496,67	389.224,12	9.197,46	10.775,88	19.973,33
9	389.224,12	1.131,99	1.364,67	2.496,67	387.859,45	10.329,45	12.140,55	22.470,00
10	387.859,45	1.128,02	1.368,64	2.496,67	386.490,81	11.457,47	13.509,19	24.966,67
11	386.490,81	1.124,04	1.372,62	2.496,67	385.118,18	12.581,52	14.881,82	27.463,33
12	385.118,18	1.120,05	1.376,61	2.496,67	383.741,57	13.701,57	16.258,43	29.960,00
13	383.741,57	1.116,05	1.380,62	2.496,67	382.360,95	14.817,62	17.639,05	32.456,67
14	382.360,95	1.112,03	1.384,63	2.496,67	380.976,32	15.929,65	19.023,68	34.953,33
15	380.976,32	1.108,01	1.388,66	2.496,67	379.587,66	17.037,66	20.412,34	37.450,00
16	379.587,66	1.103,97	1.392,70	2.496,67	378.194,96	18.141,62	21.805,04	39.946,67
17	378.194,96	1.099,92	1.396,75	2.496,67	376.798,21	19.241,54	23.201,79	42.443,33
18	376.798,21	1.095,85	1.400,81	2.496,67	375.397,40	20.337,40	24.602,60	44.940,00
19	375.397,40	1.091,78	1.404,89	2.496,67	373.992,51	21.429,18	26.007,49	47.436,67
20	373.992,51	1.087,69	1.408,97	2.496,67	372.583,54	22.516,87	27.416,46	49.933,33
21	372.583,54	1.083,60	1.413,07	2.496,67	371.170,47	23.600,47	28.829,53	52.430,00
22	371.170,47	1.079,49	1.417,18	2.496,67	369.753,29	24.679,96	30.246,71	54.926,67
23	369.753,29	1.075,37	1.421,30	2.496,67	368.331,99	25.755,32	31.668,01	57.423,33
24	368.331,99	1.071,23	1.425,43	2.496,67	366.906,55	26.826,55	33.093,45	59.920,00
25	366.906,55	1.067,09	1.429,58	2.496,67	365.476,97	27.893,64	34.523,03	62.416,67
26	365.476,97	1.062,93	1.433,74	2.496,67	364.043,24	28.956,57	35.956,76	64.913,33
27	364.043,24	1.058,76	1.437,91	2.496,67	362.605,33	30.015,33	37.394,67	67.410,00
28	362.605,33	1.054,58	1.442,09	2.496,67	361.163,24	31.069,91	38.836,76	69.906,67
29	361.163,24	1.050,38	1.446,28	2.496,67	359.716,96	32.120,29	40.283,04	72.403,33
30	359.716,96	1.046,18	1.450,49	2.496,67	358.266,47	33.166,47	41.733,53	74.900,00
31	358.266,47	1.041,96	1.454,71	2.496,67	356.811,76	34.208,42	43.188,24	77.396,67
32	356.811,76	1.037,73	1.458,94	2.496,67	355.352,82	35.246,15	44.647,18	79.893,33
33	355.352,82	1.033,48	1.463,18	2.496,67	353.889,64	36.279,64	46.110,36	82.390,00
34	353.889,64	1.029,23	1.467,44	2.496,67	352.422,20	37.308,87	47.577,80	84.886,67
35	352.422,20	1.024,96	1.471,71	2.496,67	350.950,49	38.333,83	49.049,51	87.383,33
36	350.950,49	1.020,68	1.475,99	2.496,67	349.474,51	39.354,51	50.525,49	89.880,00
37	349.474,51	1.016,39	1.480,28	2.496,67	347.994,23	40.370,90	52.005,77	92.376,67
38	347.994,23	1.012,08	1.484,58	2.496,67	346.509,65	41.382,98	53.490,35	94.873,33
39	346.509,65	1.007,77	1.488,90	2.496,67	345.020,74	42.390,74	54.979,26	97.370,00
40	345.020,74	1.003,44	1.493,23	2.496,67	343.527,51	43.394,18	56.472,49	99.866,67
41	343.527,51	999,09	1.497,57	2.496,67	342.029,94	44.393,27	57.970,06	102.363,33
42	342.029,94	994,74	1.501,93	2.496,67	340.528,01	45.388,01	59.471,99	104.860,00
43	340.528,01	990,37	1.506,30	2.496,67	339.021,71	46.378,38	60.978,29	107.356,67
44	339.021,71	985,99	1.510,68	2.496,67	337.511,03	47.364,37	62.488,97	109.853,33
45	337.511,03	981,59	1.515,07	2.496,67	335.995,96	48.345,96	64.004,04	112.350,00
46	335.995,96	977,19	1.519,48	2.496,67	334.476,48	49.323,15	65.523,52	114.846,67
47	334.476,48	972,77	1.523,90	2.496,67	332.952,59	50.295,92	67.047,41	117.343,33
48	332.952,59	968,34	1.528,33	2.496,67	331.424,26	51.264,26	68.575,74	119.840,00
49	331.424,26	963,89	1.532,77	2.496,67	329.891,48	52.228,15	70.108,52	122.336,67
50	329.891,48	959,43	1.537,23	2.496,67	328.354,25	53.187,58	71.645,75	124.833,33
51	328.354,25	954,96	1.541,70	2.496,67	326.812,55	54.142,55	73.187,45	127.330,00
52	326.812,55	950,48	1.546,19	2.496,67	325.266,36	55.093,03	74.733,64	129.826,67
53	325.266,36	945,98	1.550,68	2.496,67	323.715,68	56.039,01	76.284,32	132.323,33
54	323.715,68	941,47	1.555,19	2.496,67	322.160,48	56.980,48	77.839,52	134.820,00
55	322.160,48	936,95	1.559,72	2.496,67	320.600,77	57.917,43	79.399,23	137.316,67
56	320.600,77	932,41	1.564,25	2.496,67	319.036,51	58.849,85	80.963,49	139.813,33
57	319.036,51	927,86	1.568,80	2.496,67	317.467,71	59.777,71	82.532,29	142.310,00
58	317.467,71	923,30	1.573,36	2.496,67	315.894,35	60.701,01	84.105,65	144.806,67
59	315.894,35	918,73	1.577,94	2.496,67	314.316,40	61.619,74	85.683,60	147.303,33
60	314.316,40	914,14	1.582,53	2.496,67	312.733,88	62.533,88	87.266,12	149.800,00
61	312.733,88	909,53	1.587,13	2.496,67	311.146,74	63.443,41	88.853,26	152.296,67
62	311.146,74	904,92	1.591,75	2.496,67	309.554,99	64.348,33	90.445,01	154.793,33
63	309.554,99	900,29	1.596,38	2.496,67	307.958,62	65.248,62	92.041,38	157.290,00
64	307.958,62	895,65	1.601,02	2.496,67	306.357,60	66.144,26	93.642,40	159.786,67
65	306.357,60	890,99	1.605,68	2.496,67	304.751,92	67.035,25	95.248,08	162.283,33
66	304.751,92	886,32	1.610,35	2.496,67	303.141,57	67.921,57	96.858,43	164.780,00
67	303.141,57	881,64	1.615,03	2.496,67	301.526,54	68.803,21	98.473,46	167.276,67
68	301.526,54	876,94	1.619,73	2.496,67	299.906,82	69.680,15	100.093,18	169.773,33
69	299.906,82	872,23	1.624,44	2.496,67	298.282,38	70.552,38	101.717,62	172.270,00
70	298.282,38	867,50	1.629,16	2.496,67	296.653,22	71.419,88	103.346,78	174.766,67
71	296.653,22	862,77	1.633,90	2.496,67	295.019,32	72.282,65	104.980,68	177.263,33
72	295.019,32	858,01	1.638,65	2.496,67	293.380,66	73.140,66	106.619,34	179.760,00
73	293.380,66	853,25	1.643,42	2.496,67	291.737,25	73.993,91	108.262,75	182.256,67
74	291.737,25	848,47	1.648,20	2.496,67	290.089,05	74.842,38	109.910,95	184.753,33
75	290.089,05	843,68	1.652,99	2.496,67	288.436,06	75.686,06	111.563,94	187.250,00
76	288.436,06	838,87	1.657,80	2.496,67	286.778,26	76.524,93	113.221,74	189.746,67
77	286.778,26	834,05	1.662,62	2.496,67	285.115,64	77.358,97	114.884,36	192.243,33
78	285.115,64	829,21	1.667,46	2.496,67	283.448,18	78.188,18	116.551,82	194.740,00
79	283.448,18	824,36	1.672,30	2.496,67	281.775,88	79.012,55	118.224,12	197.236,67
80	281.775,88	819,50	1.677,17	2.496,67	280.098,71	79.832,04	119.901,29	199.733,33
81	280.098,71	814,62	1.682,05	2.496,67	278.416,66	80.646,66	121.583,34	202.230,00
82	278.416,66	809,73	1.686,94	2.496,67	276.729,73	81.456,39	123.270,27	204.726,67
83	276.729,73	804,82	1.691,84	2.496,67	275.037,88	82.261,22	124.962,12	207.223,33
84	275.037,88	799,90	1.696,76	2.496,67	273.341,12	83.061,12	126.658,88	209.720,00
85	273.341,12	794,97	1.701,70	2.496,67	271.639,42	83.856,08	128.360,58	212.216,67
86	271.639,42	790,02	1.706,65	2.496,67	269.932,77	84.646,10	130.067,23	214.713,33
87	269.932,77	785,05	1.711,61	2.496,67	268.221,16	85.431,16	131.778,84	217.210,00
88	268.221,16	780,08	1.716,59	2.496,67	266.504,57	86.211,23	133.495,43	219.706,67
89	266.504,57	775,08	1.721,58	2.496,67	264.782,98	86.986,32	135.217,02	222.203,33
90	264.782,98	770,08	1.726,59	2.496,67	263.056,39	87.756,39	136.943,61	224.700,00
91	263.056,39	765,06	1.731,61	2.496,67	261.324,78	88.521,45	138.675,22	227.196,67
92	261.324,78	760,02	1.736,65	2.496,67	259.588,14	89.281,47	140.411,86	229.693,33
93	259.588,14	754,97	1.741,70	2.496,67	257.846,44	90.036,44	142.153,56	232.190,00
94	257.846,44	749,90	1.746,76	2.496,67	256.099,68	90.786,34	143.900,32	234.686,67
95	256.099,68	744,82	1.751,84	2.496,67	254.347,83	91.531,17	145.652,17	237.183,33
96	254.347,83	739,73	1.756,94	2.496,67	252.590,89	92.270,89	147.409,11	239.680,00
97	252.590,89	734,62	1.762,05	2.496,67	250.828,85	93.005,51	149.171,15	242.176,67
98	250.828,85	729,49	1.767,17	2.496,67	249.061,67	93.735,01	150.938,33	244.673,33
99	249.061,67	724,35	1.772,31	2.496,67	247.289,36	94.459,36	152.710,64	247.170,00
100	247.289,36	719,20	1.777,47	2.496,67	245.511,89	95.178,56	154.488,11	249.666,67
101	245.511,89	714,03	1.782,64	2.496,67	243.729,26	95.892,59	156.270,74	252.163,33
102	243.729,26	708,85	1.787,82	2.496,67	241.941,44	96.601,44	158.058,56	254.660,00
103	241.941,44	703,65	1.793,02	2.496,67	240.148,42	97.305,08	159.851,58	257.156,67
104	240.148,42	698,43	1.798,24	2.496,67	238.350,18	98.003,51	161.649,82	259.653,33
105	238.350,18	693,20	1.803,46	2.496,67	236.546,72	98.696,72	163.453,28	262.150,00
106	236.546,72	687,96	1.808,71	2.496,67	234.738,01	99.384,67	165.261,99	264.646,67
107	234.738,01	682,70	1.813,97	2.496,67	232.924,04	100.067,37	167.075,96	267.143,33
108	232.924,04	677,42	1.819,25	2.496,67	231.104,79	100.744,79	168.895,21	269.640,00
109	231.104,79	672,13	1.824,54	2.496,67	229.280,25	101.416,92	170.719,75	272.136,67
110	229.280,25	666,82	1.829,84	2.496,67	227.450,41	102.083,74	172.549,59	274.633,33
111	227.450,41	661,50	1.835,17	2.496,67	225.615,25	102.745,25	174.384,75	277.130,00
112	225.615,25	656,16	1.840,50	2.496,67	223.774,74	103.401,41	176.225,26	279.626,67
113	223.774,74	650,81	1.845,86	2.496,67	221.928,89	104.052,22	178.071,11	282.123,33
114	221.928,89	645,44	1.851,22	2.496,67	220.077,66	104.697,66	179.922,34	284.620,00
115	220.077,66	640,06	1.856,61	2.496,67	218.221,06	105.337,72	181.778,94	287.116,67
116	218.221,06	634,66	1.862,01	2.496,67	216.359,05	105.972,38	183.640,95	289.613,33
117	216.359,05	629,24	1.867,42	2.496,67	214.491,63	106.601,63	185.508,37	292.110,00
118	214.491,63	623,81	1.872,85	2.496,67	212.618,77	107.225,44	187.381,23	294.606,67
119	212.618,77	618,37	1.878,30	2.496,67	210.740,47	107.843,81	189.259,53	297.103,33
120	210.740,47	612,90	1.883,76	2.496,67	208.856,71	108.456,71	191.143,29	299.600,00
121	208.856,71	607,42	1.889,24	2.496,67	206.967,47	109.064,13	193.032,53	302.096,67
122	206.967,47	601,93	1.894,74	2.496,67	205.072,73	109.666,07	194.927,27	304.593,33
123	205.072,73	596,42	1.900,25	2.496,67	203.172,49	110.262,49	196.827,51	307.090,00
124	203.172,49	590,89	1.905,77	2.496,67	201.266,71	110.853,38	198.733,29	309.586,67
125	201.266,71	585,35	1.911,32	2.496,67	199.355,40	111.438,73	200.644,60	312.083,33
126	199.355,40	579,79	1.916,87	2.496,67	197.438,52	112.018,52	202.561,48	314.580,00
127	197.438,52	574,22	1.922,45	2.496,67	195.516,07	112.592,74	204.483,93	317.076,67
128	195.516,07	568,63	1.928,04	2.496,67	193.588,03	113.161,36	206.411,97	319.573,33
129	193.588,03	563,02	1.933,65	2.496,67	191.654,38	113.724,38	208.345,62	322.070,00
130	191.654,38	557,39	1.939,27	2.496,67	189.715,11	114.281,78	210.284,89	324.566,67
131	189.715,11	551,75	1.944,91	2.496,67	187.770,20	114.833,53	212.229,80	327.063,33
132	187.770,20	546,10	1.950,57	2.496,67	185.819,63	115.379,63	214.180,37	329.560,00
133	185.819,63	540,43	1.956,24	2.496,67	183.863,39	115.920,06	216.136,61	332.056,67
134	183.863,39	534,74	1.961,93	2.496,67	181.901,46	116.454,79	218.098,54	334.553,33
135	181.901,46	529,03	1.967,64	2.496,67	179.933,82	116.983,82	220.066,18	337.050,00
136	179.933,82	523,31	1.973,36	2.496,67	177.960,46	117.507,13	222.039,54	339.546,67
137	177.960,46	517,57	1.979,10	2.496,67	175.981,36	118.024,70	224.018,64	342.043,33
138	175.981,36	511,81	1.984,85	2.496,67	173.996,51	118.536,51	226.003,49	344.540,00
139	173.996,51	506,04	1.990,63	2.496,67	172.005,88	119.042,55	227.994,12	347.036,67
140	172.005,88	500,25	1.996,42	2.496,67	170.009,47	119.542,80	229.990,53	349.533,33
141	170.009,47	494,44	2.002,22	2.496,67	168.007,24	120.037,24	231.992,76	352.030,00
142	168.007,24	488,62	2.008,05	2.496,67	165.999,20	120.525,87	234.000,80	354.526,67
143	165.999,20	482,78	2.013,89	2.496,67	163.985,31	121.008,65	236.014,69	357.023,33
144	163.985,31	476,92	2.019,74	2.496,67	161.965,57	121.485,57	238.034,43	359.520,00
145	161.965,57	471,05	2.025,62	2.496,67	159.939,95	121.956,62	240.060,05	362.016,67
146	159.939,95	465,16	2.031,51	2.496,67	157.908,45	122.421,78	242.091,55	364.513,33
147	157.908,45	459,25	2.037,42	2.496,67	155.871,03	122.881,03	244.128,97	367.010,00
148	155.871,03	453,32	2.043,34	2.496,67	153.827,69	123.334,35	246.172,31	369.506,67
149	153.827,69	447,38	2.049,28	2.496,67	151.778,40	123.781,74	248.221,60	372.003,33
150	151.778,40	441,42	2.055,24	2.496,67	149.723,16	124.223,16	250.276,84	374.500,00
151	149.723,16	435,44	2.061,22	2.496,67	147.661,94	124.658,60	252.338,06	376.996,67
152	147.661,94	429,45	2.067,22	2.496,67	145.594,72	125.088,05	254.405,28	379.493,33
153	145.594,72	423,44	2.073,23	2.496,67	143.521,49	125.511,49	256.478,51	381.990,00
154	143.521,49	417,41	2.079,26	2.496,67	141.442,23	125.928,90	258.557,77	384.486,67
155	141.442,23	411,36	2.085,31	2.496,67	139.356,93	126.340,26	260.643,07	386.983,33
156	139.356,93	405,30	2.091,37	2.496,67	137.265,56	126.745,56	262.734,44	389.480,00
157	137.265,56	399,21	2.097,45	2.496,67	135.168,11	127.144,77	264.831,89	391.976,67
158	135.168,11	393,11	2.103,55	2.496,67	133.064,55	127.537,89	266.935,45	394.473,33
159	133.064,55	387,00	2.109,67	2.496,67	130.954,88	127.924,88	269.045,12	396.970,00
160	130.954,88	380,86	2.115,81	2.496,67	128.839,08	128.305,74	271.160,92	399.466,67
161	128.839,08	374,71	2.121,96	2.496,67	126.717,12	128.680,45	273.282,88	401.963,33
162	126.717,12	368,54	2.128,13	2.496,67	124.588,99	129.048,99	275.411,01	404.460,00
163	124.588,99	362,35	2.134,32	2.496,67	122.454,66	129.411,33	277.545,34	406.956,67
164	122.454,66	356,14	2.140,53	2.496,67	120.314,14	129.767,47	279.685,86	409.453,33
165	120.314,14	349,91	2.146,75	2.496,67	118.167,38	130.117,38	281.832,62	411.950,00
166	118.167,38	343,67	2.153,00	2.496,67	116.014,39	130.461,05	283.985,61	414.446,67
167	116.014,39	337,41	2.159,26	2.496,67	113.855,13	130.798,46	286.144,87	416.943,33
168	113.855,13	331,13	2.165,54	2.496,67	111.689,59	131.129,59	288.310,41	419.440,00
169	111.689,59	324,83	2.171,84	2.496,67	109.517,76	131.454,42	290.482,24	421.936,67
170	109.517,76	318,51	2.178,15	2.496,67	107.339,60	131.772,94	292.660,40	424.433,33
171	107.339,60	312,18	2.184,49	2.496,67	105.155,12	132.085,12	294.844,88	426.930,00
172	105.155,12	305,83	2.190,84	2.496,67	102.964,27	132.390,94	297.035,73	429.426,67
173	102.964,27	299,45	2.197,21	2.496,67	100.767,06	132.690,40	299.232,94	431.923,33
174	100.767,06	293,06	2.203,60	2.496,67	98.563,46	132.983,46	301.436,54	434.420,00
175	98.563,46	286,66	2.210,01	2.496,67	96.353,45	133.270,12	303.646,55	436.916,67
176	96.353,45	280,23	2.216,44	2.496,67	94.137,01	133.550,34	305.862,99	439.413,33
177	94.137,01	273,78	2.222,88	2.496,67	91.914,13	133.824,13	308.085,87	441.910,00
178	91.914,13	267,32	2.229,35	2.496,67	89.684,78	134.091,44	310.315,22	444.406,67
179	89.684,78	260,83	2.235,83	2.496,67	87.448,94	134.352,28	312.551,06	446.903,33
180	87.448,94	254,33	2.242,34	2.496,67	85.206,61	134.606,61	314.793,39	449.400,00
181	85.206,61	247,81	2.248,86	2.496,67	82.957,75	134.854,42	317.042,25	451.896,67
182	82.957,75	241,27	2.255,40	2.496,67	80.702,35	135.095,68	319.297,65	454.393,33
183	80.702,35	234,71	2.261,96	2.496,67	78.440,39	135.330,39	321.559,61	456.890,00
184	78.440,39	228,13	2.268,54	2.496,67	76.171,86	135.558,52	323.828,14	459.386,67
185	76.171,86	221,53	2.275,13	2.496,67	73.896,72	135.780,06	326.103,28	461.883,33
186	73.896,72	214,92	2.281,75	2.496,67	71.614,97	135.994,97	328.385,03	464.380,00
187	71.614,97	208,28	2.288,39	2.496,67	69.326,59	136.203,25	330.673,41	466.876,67
188	69.326,59	201,62	2.295,04	2.496,67	67.031,55	136.404,88	332.968,45	469.373,33
189	67.031,55	194,95	2.301,72	2.496,67	64.729,83	136.599,83	335.270,17	471.870,00
190	64.729,83	188,26	2.308,41	2.496,67	62.421,42	136.788,08	337.578,58	474.366,67
191	62.421,42	181,54	2.315,12	2.496,67	60.106,29	136.969,63	339.893,71	476.863,33
192	60.106,29	174,81	2.321,86	2.496,67	57.784,44	137.144,44	342.215,56	479.360,00
193	57.784,44	168,06	2.328,61	2.496,67	55.455,83	137.312,49	344.544,17	481.856,67
194	55.455,83	161,28	2.335,38	2.496,67	53.120,44	137.473,78	346.879,56	484.353,33
195	53.120,44	154,49	2.342,17	2.496,67	50.778,27	137.628,27	349.221,73	486.850,00
196	50.778,27	147,68	2.348,99	2.496,67	48.429,28	137.775,95	351.570,72	489.346,67
197	48.429,28	140,85	2.355,82	2.496,67	46.073,46	137.916,80	353.926,54	491.843,33
198	46.073,46	134,00	2.362,67	2.496,67	43.710,79	138.050,79	356.289,21	494.340,00
199	43.710,79	127,13	2.369,54	2.496,67	41.341,25	138.177,92	358.658,75	496.836,67
200	41.341,25	120,23	2.376,43	2.496,67	38.964,82	138.298,15	361.035,18	499.333,33
201	38.964,82	113,32	2.383,34	2.496,67	36.581,48	138.411,48	363.418,52	501.830,00
202	36.581,48	106,39	2.390,28	2.496,67	34.191,20	138.517,87	365.808,80	504.326,67
203	34.191,20	99,44	2.397,23	2.496,67	31.793,97	138.617,31	368.206,03	506.823,33
204	31.793,97	92,47	2.404,20	2.496,67	29.389,77	138.709,77	370.610,23	509.320,00
205	29.389,77	85,48	2.411,19	2.496,67	26.978,58	138.795,25	373.021,42	511.816,67
206	26.978,58	78,46	2.418,20	2.496,67	24.560,38	138.873,71	375.439,62	514.313,33
207	24.560,38	71,43	2.425,24	2.496,67	22.135,14	138.945,14	377.864,86	516.810,00
208	22.135,14	64,38	2.432,29	2.496,67	19.702,85	139.009,52	380.297,15	519.306,67
209	19.702,85	57,30	2.439,36	2.496,67	17.263,49	139.066,82	382.736,51	521.803,33
210	17.263,49	50,21	2.446,46	2.496,67	14.817,03	139.117,03	385.182,97	524.300,00
211	14.817,03	43,09	2.453,57	2.496,67	12.363,46	139.160,12	387.636,54	526.796,67
212	12.363,46	35,96	2.460,71	2.496,67	9.902,75	139.196,08	390.097,25	529.293,33
213	9.902,75	28,80	2.467,87	2.496,67	7.434,88	139.224,88	392.565,12	531.790,00
214	7.434,88	21,62	2.475,04	2.496,67	4.959,84	139.246,50	395.040,16	534.286,67
215	4.959,84	14,42	2.482,24	2.496,67	2.477,59	139.260,93	397.522,41	536.783,33
216	2.477,59	7,21	2.477,59	2.477,59	2.477,59	139.268,13	400.000,00	539.268,13

Interhyp Baufinanzierung

3.49/5,00

139.917,97€
Zinsanteil

2.503,33€
Monatsrate

3,51%
Sollzins p.a.

3,57%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 200.000,00 €;Kreditrate: 420,00 €;Gesamtbetrag: 50.400,00 €;Anzahl Kreditraten: 120;Laufzeit: 120 Monate;Effektiver Jahreszins: 3,04 %;Gebundener Sollzins: 3,00 %;

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

CE-Baufinanz Baufinanzierung

3.39/5,00

141.211,73€
Zinsanteil

2.516,67€
Monatsrate

3,55%
Sollzins p.a.

3,61%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 200.000,00 €;Kreditrate: 792,00 €;Gesamtbetrag: 142.500,00 €;Anzahl Kreditraten: 180;Laufzeit: 379 Monate;Effektiver Jahreszins: 2,79 %;Gebundener Sollzins: 2,75 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.183,33	1.333,33	2.516,67	398.666,67	1.183,33	1.333,33	2.516,67
2	398.666,67	1.179,39	1.337,28	2.516,67	397.329,39	2.362,72	2.670,61	5.033,33
3	397.329,39	1.175,43	1.341,23	2.516,67	395.988,15	3.538,15	4.011,85	7.550,00
4	395.988,15	1.171,46	1.345,20	2.516,67	394.642,95	4.709,62	5.357,05	10.066,67
5	394.642,95	1.167,49	1.349,18	2.516,67	393.293,77	5.877,11	6.706,23	12.583,33
6	393.293,77	1.163,49	1.353,17	2.516,67	391.940,60	7.040,60	8.059,40	15.100,00
7	391.940,60	1.159,49	1.357,18	2.516,67	390.583,42	8.200,09	9.416,58	17.616,67
8	390.583,42	1.155,48	1.361,19	2.516,67	389.222,23	9.355,57	10.777,77	20.133,33
9	389.222,23	1.151,45	1.365,22	2.516,67	387.857,02	10.507,02	12.142,98	22.650,00
10	387.857,02	1.147,41	1.369,26	2.516,67	386.487,76	11.654,43	13.512,24	25.166,67
11	386.487,76	1.143,36	1.373,31	2.516,67	385.114,45	12.797,79	14.885,55	27.683,33
12	385.114,45	1.139,30	1.377,37	2.516,67	383.737,08	13.937,08	16.262,92	30.200,00
13	383.737,08	1.135,22	1.381,44	2.516,67	382.355,64	15.072,30	17.644,36	32.716,67
14	382.355,64	1.131,14	1.385,53	2.516,67	380.970,11	16.203,44	19.029,89	35.233,33
15	380.970,11	1.127,04	1.389,63	2.516,67	379.580,48	17.330,48	20.419,52	37.750,00
16	379.580,48	1.122,93	1.393,74	2.516,67	378.186,74	18.453,40	21.813,26	40.266,67
17	378.186,74	1.118,80	1.397,86	2.516,67	376.788,87	19.572,20	23.211,13	42.783,33
18	376.788,87	1.114,67	1.402,00	2.516,67	375.386,87	20.686,87	24.613,13	45.300,00
19	375.386,87	1.110,52	1.406,15	2.516,67	373.980,72	21.797,39	26.019,28	47.816,67
20	373.980,72	1.106,36	1.410,31	2.516,67	372.570,42	22.903,75	27.429,58	50.333,33
21	372.570,42	1.102,19	1.414,48	2.516,67	371.155,94	24.005,94	28.844,06	52.850,00
22	371.155,94	1.098,00	1.418,66	2.516,67	369.737,27	25.103,94	30.262,73	55.366,67
23	369.737,27	1.093,81	1.422,86	2.516,67	368.314,41	26.197,75	31.685,59	57.883,33
24	368.314,41	1.089,60	1.427,07	2.516,67	366.887,34	27.287,34	33.112,66	60.400,00
25	366.887,34	1.085,38	1.431,29	2.516,67	365.456,05	28.372,72	34.543,95	62.916,67
26	365.456,05	1.081,14	1.435,53	2.516,67	364.020,53	29.453,86	35.979,47	65.433,33
27	364.020,53	1.076,89	1.439,77	2.516,67	362.580,75	30.530,75	37.419,25	67.950,00
28	362.580,75	1.072,63	1.444,03	2.516,67	361.136,72	31.603,39	38.863,28	70.466,67
29	361.136,72	1.068,36	1.448,30	2.516,67	359.688,42	32.671,75	40.311,58	72.983,33
30	359.688,42	1.064,08	1.452,59	2.516,67	358.235,83	33.735,83	41.764,17	75.500,00
31	358.235,83	1.059,78	1.456,89	2.516,67	356.778,94	34.795,61	43.221,06	78.016,67
32	356.778,94	1.055,47	1.461,20	2.516,67	355.317,75	35.851,08	44.682,25	80.533,33
33	355.317,75	1.051,15	1.465,52	2.516,67	353.852,23	36.902,23	46.147,77	83.050,00
34	353.852,23	1.046,81	1.469,85	2.516,67	352.382,38	37.949,04	47.617,62	85.566,67
35	352.382,38	1.042,46	1.474,20	2.516,67	350.908,17	38.991,51	49.091,83	88.083,33
36	350.908,17	1.038,10	1.478,56	2.516,67	349.429,61	40.029,61	50.570,39	90.600,00
37	349.429,61	1.033,73	1.482,94	2.516,67	347.946,67	41.063,34	52.053,33	93.116,67
38	347.946,67	1.029,34	1.487,32	2.516,67	346.459,35	42.092,68	53.540,65	95.633,33
39	346.459,35	1.024,94	1.491,72	2.516,67	344.967,62	43.117,62	55.032,38	98.150,00
40	344.967,62	1.020,53	1.496,14	2.516,67	343.471,49	44.138,15	56.528,51	100.666,67
41	343.471,49	1.016,10	1.500,56	2.516,67	341.970,92	45.154,26	58.029,08	103.183,33
42	341.970,92	1.011,66	1.505,00	2.516,67	340.465,92	46.165,92	59.534,08	105.700,00
43	340.465,92	1.007,21	1.509,45	2.516,67	338.956,47	47.173,13	61.043,53	108.216,67
44	338.956,47	1.002,75	1.513,92	2.516,67	337.442,55	48.175,88	62.557,45	110.733,33
45	337.442,55	998,27	1.518,40	2.516,67	335.924,15	49.174,15	64.075,85	113.250,00
46	335.924,15	993,78	1.522,89	2.516,67	334.401,26	50.167,92	65.598,74	115.766,67
47	334.401,26	989,27	1.527,40	2.516,67	332.873,86	51.157,19	67.126,14	118.283,33
48	332.873,86	984,75	1.531,91	2.516,67	331.341,94	52.141,94	68.658,06	120.800,00
49	331.341,94	980,22	1.536,45	2.516,67	329.805,50	53.122,16	70.194,50	123.316,67
50	329.805,50	975,67	1.540,99	2.516,67	328.264,51	54.097,84	71.735,49	125.833,33
51	328.264,51	971,12	1.545,55	2.516,67	326.718,95	55.068,95	73.281,05	128.350,00
52	326.718,95	966,54	1.550,12	2.516,67	325.168,83	56.035,50	74.831,17	130.866,67
53	325.168,83	961,96	1.554,71	2.516,67	323.614,12	56.997,46	76.385,88	133.383,33
54	323.614,12	957,36	1.559,31	2.516,67	322.054,81	57.954,81	77.945,19	135.900,00
55	322.054,81	952,75	1.563,92	2.516,67	320.490,89	58.907,56	79.509,11	138.416,67
56	320.490,89	948,12	1.568,55	2.516,67	318.922,35	59.855,68	81.077,65	140.933,33
57	318.922,35	943,48	1.573,19	2.516,67	317.349,16	60.799,16	82.650,84	143.450,00
58	317.349,16	938,82	1.577,84	2.516,67	315.771,32	61.737,98	84.228,68	145.966,67
59	315.771,32	934,16	1.582,51	2.516,67	314.188,81	62.672,14	85.811,19	148.483,33
60	314.188,81	929,48	1.587,19	2.516,67	312.601,61	63.601,61	87.398,39	151.000,00
61	312.601,61	924,78	1.591,89	2.516,67	311.009,73	64.526,39	88.990,27	153.516,67
62	311.009,73	920,07	1.596,60	2.516,67	309.413,13	65.446,46	90.586,87	156.033,33
63	309.413,13	915,35	1.601,32	2.516,67	307.811,81	66.361,81	92.188,19	158.550,00
64	307.811,81	910,61	1.606,06	2.516,67	306.205,75	67.272,42	93.794,25	161.066,67
65	306.205,75	905,86	1.610,81	2.516,67	304.594,95	68.178,28	95.405,05	163.583,33
66	304.594,95	901,09	1.615,57	2.516,67	302.979,37	69.079,37	97.020,63	166.100,00
67	302.979,37	896,31	1.620,35	2.516,67	301.359,02	69.975,69	98.640,98	168.616,67
68	301.359,02	891,52	1.625,15	2.516,67	299.733,87	70.867,21	100.266,13	171.133,33
69	299.733,87	886,71	1.629,95	2.516,67	298.103,92	71.753,92	101.896,08	173.650,00
70	298.103,92	881,89	1.634,78	2.516,67	296.469,14	72.635,81	103.530,86	176.166,67
71	296.469,14	877,05	1.639,61	2.516,67	294.829,53	73.512,87	105.170,47	178.683,33
72	294.829,53	872,20	1.644,46	2.516,67	293.185,07	74.385,07	106.814,93	181.200,00
73	293.185,07	867,34	1.649,33	2.516,67	291.535,74	75.252,41	108.464,26	183.716,67
74	291.535,74	862,46	1.654,21	2.516,67	289.881,54	76.114,87	110.118,46	186.233,33
75	289.881,54	857,57	1.659,10	2.516,67	288.222,44	76.972,44	111.777,56	188.750,00
76	288.222,44	852,66	1.664,01	2.516,67	286.558,43	77.825,09	113.441,57	191.266,67
77	286.558,43	847,74	1.668,93	2.516,67	284.889,50	78.672,83	115.110,50	193.783,33
78	284.889,50	842,80	1.673,87	2.516,67	283.215,63	79.515,63	116.784,37	196.300,00
79	283.215,63	837,85	1.678,82	2.516,67	281.536,81	80.353,47	118.463,19	198.816,67
80	281.536,81	832,88	1.683,79	2.516,67	279.853,02	81.186,35	120.146,98	201.333,33
81	279.853,02	827,90	1.688,77	2.516,67	278.164,25	82.014,25	121.835,75	203.850,00
82	278.164,25	822,90	1.693,76	2.516,67	276.470,49	82.837,15	123.529,51	206.366,67
83	276.470,49	817,89	1.698,77	2.516,67	274.771,71	83.655,05	125.228,29	208.883,33
84	274.771,71	812,87	1.703,80	2.516,67	273.067,91	84.467,91	126.932,09	211.400,00
85	273.067,91	807,83	1.708,84	2.516,67	271.359,07	85.275,74	128.640,93	213.916,67
86	271.359,07	802,77	1.713,90	2.516,67	269.645,18	86.078,51	130.354,82	216.433,33
87	269.645,18	797,70	1.718,97	2.516,67	267.926,21	86.876,21	132.073,79	218.950,00
88	267.926,21	792,62	1.724,05	2.516,67	266.202,16	87.668,82	133.797,84	221.466,67
89	266.202,16	787,51	1.729,15	2.516,67	264.473,01	88.456,34	135.526,99	223.983,33
90	264.473,01	782,40	1.734,27	2.516,67	262.738,74	89.238,74	137.261,26	226.500,00
91	262.738,74	777,27	1.739,40	2.516,67	260.999,34	90.016,01	139.000,66	229.016,67
92	260.999,34	772,12	1.744,54	2.516,67	259.254,80	90.788,13	140.745,20	231.533,33
93	259.254,80	766,96	1.749,70	2.516,67	257.505,09	91.555,09	142.494,91	234.050,00
94	257.505,09	761,79	1.754,88	2.516,67	255.750,21	92.316,88	144.249,79	236.566,67
95	255.750,21	756,59	1.760,07	2.516,67	253.990,14	93.073,47	146.009,86	239.083,33
96	253.990,14	751,39	1.765,28	2.516,67	252.224,86	93.824,86	147.775,14	241.600,00
97	252.224,86	746,17	1.770,50	2.516,67	250.454,36	94.571,02	149.545,64	244.116,67
98	250.454,36	740,93	1.775,74	2.516,67	248.678,62	95.311,95	151.321,38	246.633,33
99	248.678,62	735,67	1.780,99	2.516,67	246.897,63	96.047,63	153.102,37	249.150,00
100	246.897,63	730,41	1.786,26	2.516,67	245.111,37	96.778,03	154.888,63	251.666,67
101	245.111,37	725,12	1.791,55	2.516,67	243.319,82	97.503,15	156.680,18	254.183,33
102	243.319,82	719,82	1.796,85	2.516,67	241.522,97	98.222,97	158.477,03	256.700,00
103	241.522,97	714,51	1.802,16	2.516,67	239.720,81	98.937,48	160.279,19	259.216,67
104	239.720,81	709,17	1.807,49	2.516,67	237.913,32	99.646,65	162.086,68	261.733,33
105	237.913,32	703,83	1.812,84	2.516,67	236.100,48	100.350,48	163.899,52	264.250,00
106	236.100,48	698,46	1.818,20	2.516,67	234.282,28	101.048,94	165.717,72	266.766,67
107	234.282,28	693,09	1.823,58	2.516,67	232.458,70	101.742,03	167.541,30	269.283,33
108	232.458,70	687,69	1.828,98	2.516,67	230.629,72	102.429,72	169.370,28	271.800,00
109	230.629,72	682,28	1.834,39	2.516,67	228.795,33	103.112,00	171.204,67	274.316,67
110	228.795,33	676,85	1.839,81	2.516,67	226.955,52	103.788,85	173.044,48	276.833,33
111	226.955,52	671,41	1.845,26	2.516,67	225.110,26	104.460,26	174.889,74	279.350,00
112	225.110,26	665,95	1.850,72	2.516,67	223.259,55	105.126,21	176.740,45	281.866,67
113	223.259,55	660,48	1.856,19	2.516,67	221.403,36	105.786,69	178.596,64	284.383,33
114	221.403,36	654,98	1.861,68	2.516,67	219.541,67	106.441,67	180.458,33	286.900,00
115	219.541,67	649,48	1.867,19	2.516,67	217.674,49	107.091,15	182.325,51	289.416,67
116	217.674,49	643,95	1.872,71	2.516,67	215.801,77	107.735,11	184.198,23	291.933,33
117	215.801,77	638,41	1.878,25	2.516,67	213.923,52	108.373,52	186.076,48	294.450,00
118	213.923,52	632,86	1.883,81	2.516,67	212.039,71	109.006,38	187.960,29	296.966,67
119	212.039,71	627,28	1.889,38	2.516,67	210.150,33	109.633,66	189.849,67	299.483,33
120	210.150,33	621,69	1.894,97	2.516,67	208.255,36	110.255,36	191.744,64	302.000,00
121	208.255,36	616,09	1.900,58	2.516,67	206.354,78	110.871,44	193.645,22	304.516,67
122	206.354,78	610,47	1.906,20	2.516,67	204.448,58	111.481,91	195.551,42	307.033,33
123	204.448,58	604,83	1.911,84	2.516,67	202.536,74	112.086,74	197.463,26	309.550,00
124	202.536,74	599,17	1.917,50	2.516,67	200.619,24	112.685,91	199.380,76	312.066,67
125	200.619,24	593,50	1.923,17	2.516,67	198.696,07	113.279,41	201.303,93	314.583,33
126	198.696,07	587,81	1.928,86	2.516,67	196.767,22	113.867,22	203.232,78	317.100,00
127	196.767,22	582,10	1.934,56	2.516,67	194.832,65	114.449,32	205.167,35	319.616,67
128	194.832,65	576,38	1.940,29	2.516,67	192.892,37	115.025,70	207.107,63	322.133,33
129	192.892,37	570,64	1.946,03	2.516,67	190.946,34	115.596,34	209.053,66	324.650,00
130	190.946,34	564,88	1.951,78	2.516,67	188.994,56	116.161,22	211.005,44	327.166,67
131	188.994,56	559,11	1.957,56	2.516,67	187.037,00	116.720,33	212.963,00	329.683,33
132	187.037,00	553,32	1.963,35	2.516,67	185.073,65	117.273,65	214.926,35	332.200,00
133	185.073,65	547,51	1.969,16	2.516,67	183.104,49	117.821,16	216.895,51	334.716,67
134	183.104,49	541,68	1.974,98	2.516,67	181.129,51	118.362,84	218.870,49	337.233,33
135	181.129,51	535,84	1.980,83	2.516,67	179.148,68	118.898,68	220.851,32	339.750,00
136	179.148,68	529,98	1.986,69	2.516,67	177.162,00	119.428,67	222.838,00	342.266,67
137	177.162,00	524,10	1.992,56	2.516,67	175.169,44	119.952,77	224.830,56	344.783,33
138	175.169,44	518,21	1.998,46	2.516,67	173.170,98	120.470,98	226.829,02	347.300,00
139	173.170,98	512,30	2.004,37	2.516,67	171.166,61	120.983,28	228.833,39	349.816,67
140	171.166,61	506,37	2.010,30	2.516,67	169.156,31	121.489,64	230.843,69	352.333,33
141	169.156,31	500,42	2.016,25	2.516,67	167.140,07	121.990,07	232.859,93	354.850,00
142	167.140,07	494,46	2.022,21	2.516,67	165.117,85	122.484,52	234.882,15	357.366,67
143	165.117,85	488,47	2.028,19	2.516,67	163.089,66	122.973,00	236.910,34	359.883,33
144	163.089,66	482,47	2.034,19	2.516,67	161.055,47	123.455,47	238.944,53	362.400,00
145	161.055,47	476,46	2.040,21	2.516,67	159.015,26	123.931,92	240.984,74	364.916,67
146	159.015,26	470,42	2.046,25	2.516,67	156.969,01	124.402,34	243.030,99	367.433,33
147	156.969,01	464,37	2.052,30	2.516,67	154.916,71	124.866,71	245.083,29	369.950,00
148	154.916,71	458,30	2.058,37	2.516,67	152.858,34	125.325,01	247.141,66	372.466,67
149	152.858,34	452,21	2.064,46	2.516,67	150.793,88	125.777,21	249.206,12	374.983,33
150	150.793,88	446,10	2.070,57	2.516,67	148.723,31	126.223,31	251.276,69	377.500,00
151	148.723,31	439,97	2.076,69	2.516,67	146.646,62	126.663,28	253.353,38	380.016,67
152	146.646,62	433,83	2.082,84	2.516,67	144.563,78	127.097,11	255.436,22	382.533,33
153	144.563,78	427,67	2.089,00	2.516,67	142.474,78	127.524,78	257.525,22	385.050,00
154	142.474,78	421,49	2.095,18	2.516,67	140.379,60	127.946,27	259.620,40	387.566,67
155	140.379,60	415,29	2.101,38	2.516,67	138.278,23	128.361,56	261.721,77	390.083,33
156	138.278,23	409,07	2.107,59	2.516,67	136.170,63	128.770,63	263.829,37	392.600,00
157	136.170,63	402,84	2.113,83	2.516,67	134.056,80	129.173,47	265.943,20	395.116,67
158	134.056,80	396,58	2.120,08	2.516,67	131.936,72	129.570,05	268.063,28	397.633,33
159	131.936,72	390,31	2.126,35	2.516,67	129.810,37	129.960,37	270.189,63	400.150,00
160	129.810,37	384,02	2.132,64	2.516,67	127.677,72	130.344,39	272.322,28	402.666,67
161	127.677,72	377,71	2.138,95	2.516,67	125.538,77	130.722,10	274.461,23	405.183,33
162	125.538,77	371,39	2.145,28	2.516,67	123.393,49	131.093,49	276.606,51	407.700,00
163	123.393,49	365,04	2.151,63	2.516,67	121.241,86	131.458,53	278.758,14	410.216,67
164	121.241,86	358,67	2.157,99	2.516,67	119.083,87	131.817,20	280.916,13	412.733,33
165	119.083,87	352,29	2.164,38	2.516,67	116.919,49	132.169,49	283.080,51	415.250,00
166	116.919,49	345,89	2.170,78	2.516,67	114.748,71	132.515,38	285.251,29	417.766,67
167	114.748,71	339,46	2.177,20	2.516,67	112.571,51	132.854,84	287.428,49	420.283,33
168	112.571,51	333,02	2.183,64	2.516,67	110.387,87	133.187,87	289.612,13	422.800,00
169	110.387,87	326,56	2.190,10	2.516,67	108.197,76	133.514,43	291.802,24	425.316,67
170	108.197,76	320,09	2.196,58	2.516,67	106.001,18	133.834,52	293.998,82	427.833,33
171	106.001,18	313,59	2.203,08	2.516,67	103.798,10	134.148,10	296.201,90	430.350,00
172	103.798,10	307,07	2.209,60	2.516,67	101.588,51	134.455,17	298.411,49	432.866,67
173	101.588,51	300,53	2.216,13	2.516,67	99.372,37	134.755,71	300.627,63	435.383,33
174	99.372,37	293,98	2.222,69	2.516,67	97.149,68	135.049,68	302.850,32	437.900,00
175	97.149,68	287,40	2.229,27	2.516,67	94.920,42	135.337,08	305.079,58	440.416,67
176	94.920,42	280,81	2.235,86	2.516,67	92.684,56	135.617,89	307.315,44	442.933,33
177	92.684,56	274,19	2.242,47	2.516,67	90.442,08	135.892,08	309.557,92	445.450,00
178	90.442,08	267,56	2.249,11	2.516,67	88.192,97	136.159,64	311.807,03	447.966,67
179	88.192,97	260,90	2.255,76	2.516,67	85.937,21	136.420,54	314.062,79	450.483,33
180	85.937,21	254,23	2.262,44	2.516,67	83.674,77	136.674,77	316.325,23	453.000,00
181	83.674,77	247,54	2.269,13	2.516,67	81.405,65	136.922,31	318.594,35	455.516,67
182	81.405,65	240,83	2.275,84	2.516,67	79.129,80	137.163,14	320.870,20	458.033,33
183	79.129,80	234,09	2.282,57	2.516,67	76.847,23	137.397,23	323.152,77	460.550,00
184	76.847,23	227,34	2.289,33	2.516,67	74.557,90	137.624,57	325.442,10	463.066,67
185	74.557,90	220,57	2.296,10	2.516,67	72.261,80	137.845,14	327.738,20	465.583,33
186	72.261,80	213,77	2.302,89	2.516,67	69.958,91	138.058,91	330.041,09	468.100,00
187	69.958,91	206,96	2.309,70	2.516,67	67.649,21	138.265,87	332.350,79	470.616,67
188	67.649,21	200,13	2.316,54	2.516,67	65.332,67	138.466,00	334.667,33	473.133,33
189	65.332,67	193,28	2.323,39	2.516,67	63.009,28	138.659,28	336.990,72	475.650,00
190	63.009,28	186,40	2.330,26	2.516,67	60.679,01	138.845,68	339.320,99	478.166,67
191	60.679,01	179,51	2.337,16	2.516,67	58.341,86	139.025,19	341.658,14	480.683,33
192	58.341,86	172,59	2.344,07	2.516,67	55.997,78	139.197,78	344.002,22	483.200,00
193	55.997,78	165,66	2.351,01	2.516,67	53.646,78	139.363,44	346.353,22	485.716,67
194	53.646,78	158,71	2.357,96	2.516,67	51.288,81	139.522,15	348.711,19	488.233,33
195	51.288,81	151,73	2.364,94	2.516,67	48.923,88	139.673,88	351.076,12	490.750,00
196	48.923,88	144,73	2.371,93	2.516,67	46.551,94	139.818,61	353.448,06	493.266,67
197	46.551,94	137,72	2.378,95	2.516,67	44.172,99	139.956,33	355.827,01	495.783,33
198	44.172,99	130,68	2.385,99	2.516,67	41.787,01	140.087,01	358.212,99	498.300,00
199	41.787,01	123,62	2.393,05	2.516,67	39.393,96	140.210,63	360.606,04	500.816,67
200	39.393,96	116,54	2.400,13	2.516,67	36.993,83	140.327,17	363.006,17	503.333,33
201	36.993,83	109,44	2.407,23	2.516,67	34.586,61	140.436,61	365.413,39	505.850,00
202	34.586,61	102,32	2.414,35	2.516,67	32.172,26	140.538,92	367.827,74	508.366,67
203	32.172,26	95,18	2.421,49	2.516,67	29.750,77	140.634,10	370.249,23	510.883,33
204	29.750,77	88,01	2.428,65	2.516,67	27.322,11	140.722,11	372.677,89	513.400,00
205	27.322,11	80,83	2.435,84	2.516,67	24.886,27	140.802,94	375.113,73	515.916,67
206	24.886,27	73,62	2.443,04	2.516,67	22.443,23	140.876,56	377.556,77	518.433,33
207	22.443,23	66,39	2.450,27	2.516,67	19.992,96	140.942,96	380.007,04	520.950,00
208	19.992,96	59,15	2.457,52	2.516,67	17.535,44	141.002,10	382.464,56	523.466,67
209	17.535,44	51,88	2.464,79	2.516,67	15.070,65	141.053,98	384.929,35	525.983,33
210	15.070,65	44,58	2.472,08	2.516,67	12.598,56	141.098,56	387.401,44	528.500,00
211	12.598,56	37,27	2.479,40	2.516,67	10.119,17	141.135,83	389.880,83	531.016,67
212	10.119,17	29,94	2.486,73	2.516,67	7.632,44	141.165,77	392.367,56	533.533,33
213	7.632,44	22,58	2.494,09	2.516,67	5.138,35	141.188,35	394.861,65	536.050,00
214	5.138,35	15,20	2.501,47	2.516,67	2.636,88	141.203,55	397.363,12	538.566,67
215	2.636,88	7,80	2.508,87	2.516,67	128,02	141.211,35	399.871,98	541.083,33
216	128,02	0,38	128,02	128,02	128,02	141.211,73	400.000,00	541.211,73

comdirect Baufinanzierung

3.59/5,00

141.857,60€
Zinsanteil

2.523,33€
Monatsrate

3,57%
Sollzins p.a.

3,63%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 140.000,00 €;Kreditrate: 522,67 €;Gesamtbetrag: 94.080,60 €;Anzahl Kreditraten: 180;Laufzeit: 180 Monate;Effektiver Jahreszins: 3,37 %;Gebundener Sollzins: 3,30 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.190,00	1.333,33	2.523,33	398.666,67	1.190,00	1.333,33	2.523,33
2	398.666,67	1.186,03	1.337,30	2.523,33	397.329,37	2.376,03	2.670,63	5.046,67
3	397.329,37	1.182,05	1.341,28	2.523,33	395.988,09	3.558,09	4.011,91	7.570,00
4	395.988,09	1.178,06	1.345,27	2.523,33	394.642,82	4.736,15	5.357,18	10.093,33
5	394.642,82	1.174,06	1.349,27	2.523,33	393.293,55	5.910,22	6.706,45	12.616,67
6	393.293,55	1.170,05	1.353,29	2.523,33	391.940,26	7.080,26	8.059,74	15.140,00
7	391.940,26	1.166,02	1.357,31	2.523,33	390.582,95	8.246,29	9.417,05	17.663,33
8	390.582,95	1.161,98	1.361,35	2.523,33	389.221,60	9.408,27	10.778,40	20.186,67
9	389.221,60	1.157,93	1.365,40	2.523,33	387.856,20	10.566,20	12.143,80	22.710,00
10	387.856,20	1.153,87	1.369,46	2.523,33	386.486,74	11.720,08	13.513,26	25.233,33
11	386.486,74	1.149,80	1.373,54	2.523,33	385.113,21	12.869,87	14.886,79	27.756,67
12	385.113,21	1.145,71	1.377,62	2.523,33	383.735,59	14.015,59	16.264,41	30.280,00
13	383.735,59	1.141,61	1.381,72	2.523,33	382.353,87	15.157,20	17.646,13	32.803,33
14	382.353,87	1.137,50	1.385,83	2.523,33	380.968,04	16.294,70	19.031,96	35.326,67
15	380.968,04	1.133,38	1.389,95	2.523,33	379.578,08	17.428,08	20.421,92	37.850,00
16	379.578,08	1.129,24	1.394,09	2.523,33	378.183,99	18.557,33	21.816,01	40.373,33
17	378.183,99	1.125,10	1.398,24	2.523,33	376.785,76	19.682,42	23.214,24	42.896,67
18	376.785,76	1.120,94	1.402,40	2.523,33	375.383,36	20.803,36	24.616,64	45.420,00
19	375.383,36	1.116,77	1.406,57	2.523,33	373.976,79	21.920,13	26.023,21	47.943,33
20	373.976,79	1.112,58	1.410,75	2.523,33	372.566,04	23.032,71	27.433,96	50.466,67
21	372.566,04	1.108,38	1.414,95	2.523,33	371.151,09	24.141,09	28.848,91	52.990,00
22	371.151,09	1.104,17	1.419,16	2.523,33	369.731,93	25.245,27	30.268,07	55.513,33
23	369.731,93	1.099,95	1.423,38	2.523,33	368.308,55	26.345,22	31.691,45	58.036,67
24	368.308,55	1.095,72	1.427,62	2.523,33	366.880,94	27.440,94	33.119,06	60.560,00
25	366.880,94	1.091,47	1.431,86	2.523,33	365.449,08	28.532,41	34.550,92	63.083,33
26	365.449,08	1.087,21	1.436,12	2.523,33	364.012,95	29.619,62	35.987,05	65.606,67
27	364.012,95	1.082,94	1.440,39	2.523,33	362.572,56	30.702,56	37.427,44	68.130,00
28	362.572,56	1.078,65	1.444,68	2.523,33	361.127,88	31.781,21	38.872,12	70.653,33
29	361.127,88	1.074,36	1.448,98	2.523,33	359.678,90	32.855,57	40.321,10	73.176,67
30	359.678,90	1.070,04	1.453,29	2.523,33	358.225,61	33.925,61	41.774,39	75.700,00
31	358.225,61	1.065,72	1.457,61	2.523,33	356.768,00	34.991,33	43.232,00	78.223,33
32	356.768,00	1.061,38	1.461,95	2.523,33	355.306,05	36.052,72	44.693,95	80.746,67
33	355.306,05	1.057,04	1.466,30	2.523,33	353.839,75	37.109,75	46.160,25	83.270,00
34	353.839,75	1.052,67	1.470,66	2.523,33	352.369,09	38.162,43	47.630,91	85.793,33
35	352.369,09	1.048,30	1.475,04	2.523,33	350.894,06	39.210,72	49.105,94	88.316,67
36	350.894,06	1.043,91	1.479,42	2.523,33	349.414,63	40.254,63	50.585,37	90.840,00
37	349.414,63	1.039,51	1.483,82	2.523,33	347.930,81	41.294,14	52.069,19	93.363,33
38	347.930,81	1.035,09	1.488,24	2.523,33	346.442,57	42.329,24	53.557,43	95.886,67
39	346.442,57	1.030,67	1.492,67	2.523,33	344.949,90	43.359,90	55.050,10	98.410,00
40	344.949,90	1.026,23	1.497,11	2.523,33	343.452,80	44.386,13	56.547,20	100.933,33
41	343.452,80	1.021,77	1.501,56	2.523,33	341.951,23	45.407,90	58.048,77	103.456,67
42	341.951,23	1.017,30	1.506,03	2.523,33	340.445,21	46.425,21	59.554,79	105.980,00
43	340.445,21	1.012,82	1.510,51	2.523,33	338.934,70	47.438,03	61.065,30	108.503,33
44	338.934,70	1.008,33	1.515,00	2.523,33	337.419,69	48.446,36	62.580,31	111.026,67
45	337.419,69	1.003,82	1.519,51	2.523,33	335.900,19	49.450,19	64.099,81	113.550,00
46	335.900,19	999,30	1.524,03	2.523,33	334.376,15	50.449,49	65.623,85	116.073,33
47	334.376,15	994,77	1.528,56	2.523,33	332.847,59	51.444,26	67.152,41	118.596,67
48	332.847,59	990,22	1.533,11	2.523,33	331.314,48	52.434,48	68.685,52	121.120,00
49	331.314,48	985,66	1.537,67	2.523,33	329.776,81	53.420,14	70.223,19	123.643,33
50	329.776,81	981,09	1.542,25	2.523,33	328.234,56	54.401,23	71.765,44	126.166,67
51	328.234,56	976,50	1.546,84	2.523,33	326.687,72	55.377,72	73.312,28	128.690,00
52	326.687,72	971,90	1.551,44	2.523,33	325.136,29	56.349,62	74.863,71	131.213,33
53	325.136,29	967,28	1.556,05	2.523,33	323.580,23	57.316,90	76.419,77	133.736,67
54	323.580,23	962,65	1.560,68	2.523,33	322.019,55	58.279,55	77.980,45	136.260,00
55	322.019,55	958,01	1.565,33	2.523,33	320.454,23	59.237,56	79.545,77	138.783,33
56	320.454,23	953,35	1.569,98	2.523,33	318.884,24	60.190,91	81.115,76	141.306,67
57	318.884,24	948,68	1.574,65	2.523,33	317.309,59	61.139,59	82.690,41	143.830,00
58	317.309,59	944,00	1.579,34	2.523,33	315.730,25	62.083,59	84.269,75	146.353,33
59	315.730,25	939,30	1.584,04	2.523,33	314.146,22	63.022,88	85.853,78	148.876,67
60	314.146,22	934,58	1.588,75	2.523,33	312.557,47	63.957,47	87.442,53	151.400,00
61	312.557,47	929,86	1.593,47	2.523,33	310.963,99	64.887,33	89.036,01	153.923,33
62	310.963,99	925,12	1.598,22	2.523,33	309.365,78	65.812,45	90.634,22	156.446,67
63	309.365,78	920,36	1.602,97	2.523,33	307.762,81	66.732,81	92.237,19	158.970,00
64	307.762,81	915,59	1.607,74	2.523,33	306.155,07	67.648,40	93.844,93	161.493,33
65	306.155,07	910,81	1.612,52	2.523,33	304.542,55	68.559,21	95.457,45	164.016,67
66	304.542,55	906,01	1.617,32	2.523,33	302.925,23	69.465,23	97.074,77	166.540,00
67	302.925,23	901,20	1.622,13	2.523,33	301.303,10	70.366,43	98.696,90	169.063,33
68	301.303,10	896,38	1.626,96	2.523,33	299.676,14	71.262,81	100.323,86	171.586,67
69	299.676,14	891,54	1.631,80	2.523,33	298.044,34	72.154,34	101.955,66	174.110,00
70	298.044,34	886,68	1.636,65	2.523,33	296.407,69	73.041,03	103.592,31	176.633,33
71	296.407,69	881,81	1.641,52	2.523,33	294.766,17	73.922,84	105.233,83	179.156,67
72	294.766,17	876,93	1.646,40	2.523,33	293.119,77	74.799,77	106.880,23	181.680,00
73	293.119,77	872,03	1.651,30	2.523,33	291.468,47	75.671,80	108.531,53	184.203,33
74	291.468,47	867,12	1.656,21	2.523,33	289.812,25	76.538,92	110.187,75	186.726,67
75	289.812,25	862,19	1.661,14	2.523,33	288.151,11	77.401,11	111.848,89	189.250,00
76	288.151,11	857,25	1.666,08	2.523,33	286.485,03	78.258,36	113.514,97	191.773,33
77	286.485,03	852,29	1.671,04	2.523,33	284.813,99	79.110,65	115.186,01	194.296,67
78	284.813,99	847,32	1.676,01	2.523,33	283.137,97	79.957,97	116.862,03	196.820,00
79	283.137,97	842,34	1.681,00	2.523,33	281.456,98	80.800,31	118.543,02	199.343,33
80	281.456,98	837,33	1.686,00	2.523,33	279.770,98	81.637,64	120.229,02	201.866,67
81	279.770,98	832,32	1.691,01	2.523,33	278.079,96	82.469,96	121.920,04	204.390,00
82	278.079,96	827,29	1.696,05	2.523,33	276.383,92	83.297,25	123.616,08	206.913,33
83	276.383,92	822,24	1.701,09	2.523,33	274.682,83	84.119,49	125.317,17	209.436,67
84	274.682,83	817,18	1.706,15	2.523,33	272.976,67	84.936,67	127.023,33	211.960,00
85	272.976,67	812,11	1.711,23	2.523,33	271.265,45	85.748,78	128.734,55	214.483,33
86	271.265,45	807,01	1.716,32	2.523,33	269.549,13	86.555,79	130.450,87	217.006,67
87	269.549,13	801,91	1.721,42	2.523,33	267.827,70	87.357,70	132.172,30	219.530,00
88	267.827,70	796,79	1.726,55	2.523,33	266.101,16	88.154,49	133.898,84	222.053,33
89	266.101,16	791,65	1.731,68	2.523,33	264.369,48	88.946,14	135.630,52	224.576,67
90	264.369,48	786,50	1.736,83	2.523,33	262.632,64	89.732,64	137.367,36	227.100,00
91	262.632,64	781,33	1.742,00	2.523,33	260.890,64	90.513,97	139.109,36	229.623,33
92	260.890,64	776,15	1.747,18	2.523,33	259.143,46	91.290,12	140.856,54	232.146,67
93	259.143,46	770,95	1.752,38	2.523,33	257.391,07	92.061,07	142.608,93	234.670,00
94	257.391,07	765,74	1.757,59	2.523,33	255.633,48	92.826,81	144.366,52	237.193,33
95	255.633,48	760,51	1.762,82	2.523,33	253.870,66	93.587,32	146.129,34	239.716,67
96	253.870,66	755,27	1.768,07	2.523,33	252.102,59	94.342,59	147.897,41	242.240,00
97	252.102,59	750,01	1.773,33	2.523,33	250.329,26	95.092,59	149.670,74	244.763,33
98	250.329,26	744,73	1.778,60	2.523,33	248.550,66	95.837,32	151.449,34	247.286,67
99	248.550,66	739,44	1.783,90	2.523,33	246.766,76	96.576,76	153.233,24	249.810,00
100	246.766,76	734,13	1.789,20	2.523,33	244.977,56	97.310,89	155.022,44	252.333,33
101	244.977,56	728,81	1.794,53	2.523,33	243.183,03	98.039,70	156.816,97	254.856,67
102	243.183,03	723,47	1.799,86	2.523,33	241.383,17	98.763,17	158.616,83	257.380,00
103	241.383,17	718,11	1.805,22	2.523,33	239.577,95	99.481,28	160.422,05	259.903,33
104	239.577,95	712,74	1.810,59	2.523,33	237.767,36	100.194,03	162.232,64	262.426,67
105	237.767,36	707,36	1.815,98	2.523,33	235.951,39	100.901,39	164.048,61	264.950,00
106	235.951,39	701,96	1.821,38	2.523,33	234.130,01	101.603,34	165.869,99	267.473,33
107	234.130,01	696,54	1.826,80	2.523,33	232.303,21	102.299,88	167.696,79	269.996,67
108	232.303,21	691,10	1.832,23	2.523,33	230.470,98	102.990,98	169.529,02	272.520,00
109	230.470,98	685,65	1.837,68	2.523,33	228.633,30	103.676,63	171.366,70	275.043,33
110	228.633,30	680,18	1.843,15	2.523,33	226.790,15	104.356,82	173.209,85	277.566,67
111	226.790,15	674,70	1.848,63	2.523,33	224.941,52	105.031,52	175.058,48	280.090,00
112	224.941,52	669,20	1.854,13	2.523,33	223.087,38	105.700,72	176.912,62	282.613,33
113	223.087,38	663,68	1.859,65	2.523,33	221.227,74	106.364,40	178.772,26	285.136,67
114	221.227,74	658,15	1.865,18	2.523,33	219.362,56	107.022,56	180.637,44	287.660,00
115	219.362,56	652,60	1.870,73	2.523,33	217.491,83	107.675,16	182.508,17	290.183,33
116	217.491,83	647,04	1.876,30	2.523,33	215.615,53	108.322,20	184.384,47	292.706,67
117	215.615,53	641,46	1.881,88	2.523,33	213.733,65	108.963,65	186.266,35	295.230,00
118	213.733,65	635,86	1.887,48	2.523,33	211.846,18	109.599,51	188.153,82	297.753,33
119	211.846,18	630,24	1.893,09	2.523,33	209.953,09	110.229,75	190.046,91	300.276,67
120	209.953,09	624,61	1.898,72	2.523,33	208.054,36	110.854,36	191.945,64	302.800,00
121	208.054,36	618,96	1.904,37	2.523,33	206.149,99	111.473,33	193.850,01	305.323,33
122	206.149,99	613,30	1.910,04	2.523,33	204.239,96	112.086,62	195.760,04	307.846,67
123	204.239,96	607,61	1.915,72	2.523,33	202.324,24	112.694,24	197.675,76	310.370,00
124	202.324,24	601,91	1.921,42	2.523,33	200.402,82	113.296,15	199.597,18	312.893,33
125	200.402,82	596,20	1.927,13	2.523,33	198.475,68	113.892,35	201.524,32	315.416,67
126	198.475,68	590,47	1.932,87	2.523,33	196.542,81	114.482,81	203.457,19	317.940,00
127	196.542,81	584,71	1.938,62	2.523,33	194.604,20	115.067,53	205.395,80	320.463,33
128	194.604,20	578,95	1.944,39	2.523,33	192.659,81	115.646,48	207.340,19	322.986,67
129	192.659,81	573,16	1.950,17	2.523,33	190.709,64	116.219,64	209.290,36	325.510,00
130	190.709,64	567,36	1.955,97	2.523,33	188.753,67	116.787,00	211.246,33	328.033,33
131	188.753,67	561,54	1.961,79	2.523,33	186.791,88	117.348,54	213.208,12	330.556,67
132	186.791,88	555,71	1.967,63	2.523,33	184.824,25	117.904,25	215.175,75	333.080,00
133	184.824,25	549,85	1.973,48	2.523,33	182.850,77	118.454,10	217.149,23	335.603,33
134	182.850,77	543,98	1.979,35	2.523,33	180.871,41	118.998,08	219.128,59	338.126,67
135	180.871,41	538,09	1.985,24	2.523,33	178.886,17	119.536,17	221.113,83	340.650,00
136	178.886,17	532,19	1.991,15	2.523,33	176.895,03	120.068,36	223.104,97	343.173,33
137	176.895,03	526,26	1.997,07	2.523,33	174.897,96	120.594,62	225.102,04	345.696,67
138	174.897,96	520,32	2.003,01	2.523,33	172.894,94	121.114,94	227.105,06	348.220,00
139	172.894,94	514,36	2.008,97	2.523,33	170.885,97	121.629,31	229.114,03	350.743,33
140	170.885,97	508,39	2.014,95	2.523,33	168.871,03	122.137,69	231.128,97	353.266,67
141	168.871,03	502,39	2.020,94	2.523,33	166.850,08	122.640,08	233.149,92	355.790,00
142	166.850,08	496,38	2.026,95	2.523,33	164.823,13	123.136,46	235.176,87	358.313,33
143	164.823,13	490,35	2.032,98	2.523,33	162.790,15	123.626,81	237.209,85	360.836,67
144	162.790,15	484,30	2.039,03	2.523,33	160.751,11	124.111,11	239.248,89	363.360,00
145	160.751,11	478,23	2.045,10	2.523,33	158.706,01	124.589,35	241.293,99	365.883,33
146	158.706,01	472,15	2.051,18	2.523,33	156.654,83	125.061,50	243.345,17	368.406,67
147	156.654,83	466,05	2.057,29	2.523,33	154.597,55	125.527,55	245.402,45	370.930,00
148	154.597,55	459,93	2.063,41	2.523,33	152.534,14	125.987,47	247.465,86	373.453,33
149	152.534,14	453,79	2.069,54	2.523,33	150.464,60	126.441,26	249.535,40	375.976,67
150	150.464,60	447,63	2.075,70	2.523,33	148.388,89	126.888,89	251.611,11	378.500,00
151	148.388,89	441,46	2.081,88	2.523,33	146.307,02	127.330,35	253.692,98	381.023,33
152	146.307,02	435,26	2.088,07	2.523,33	144.218,95	127.765,61	255.781,05	383.546,67
153	144.218,95	429,05	2.094,28	2.523,33	142.124,67	128.194,67	257.875,33	386.070,00
154	142.124,67	422,82	2.100,51	2.523,33	140.024,15	128.617,49	259.975,85	388.593,33
155	140.024,15	416,57	2.106,76	2.523,33	137.917,39	129.034,06	262.082,61	391.116,67
156	137.917,39	410,30	2.113,03	2.523,33	135.804,36	129.444,36	264.195,64	393.640,00
157	135.804,36	404,02	2.119,32	2.523,33	133.685,05	129.848,38	266.314,95	396.163,33
158	133.685,05	397,71	2.125,62	2.523,33	131.559,43	130.246,09	268.440,57	398.686,67
159	131.559,43	391,39	2.131,94	2.523,33	129.427,48	130.637,48	270.572,52	401.210,00
160	129.427,48	385,05	2.138,29	2.523,33	127.289,20	131.022,53	272.710,80	403.733,33
161	127.289,20	378,69	2.144,65	2.523,33	125.144,55	131.401,22	274.855,45	406.256,67
162	125.144,55	372,31	2.151,03	2.523,33	122.993,52	131.773,52	277.006,48	408.780,00
163	122.993,52	365,91	2.157,43	2.523,33	120.836,09	132.139,43	279.163,91	411.303,33
164	120.836,09	359,49	2.163,85	2.523,33	118.672,25	132.498,91	281.327,75	413.826,67
165	118.672,25	353,05	2.170,28	2.523,33	116.501,96	132.851,96	283.498,04	416.350,00
166	116.501,96	346,59	2.176,74	2.523,33	114.325,22	133.198,56	285.674,78	418.873,33
167	114.325,22	340,12	2.183,22	2.523,33	112.142,01	133.538,67	287.857,99	421.396,67
168	112.142,01	333,62	2.189,71	2.523,33	109.952,30	133.872,30	290.047,70	423.920,00
169	109.952,30	327,11	2.196,23	2.523,33	107.756,07	134.199,41	292.243,93	426.443,33
170	107.756,07	320,57	2.202,76	2.523,33	105.553,31	134.519,98	294.446,69	428.966,67
171	105.553,31	314,02	2.209,31	2.523,33	103.344,00	134.834,00	296.656,00	431.490,00
172	103.344,00	307,45	2.215,88	2.523,33	101.128,12	135.141,45	298.871,88	434.013,33
173	101.128,12	300,86	2.222,48	2.523,33	98.905,64	135.442,31	301.094,36	436.536,67
174	98.905,64	294,24	2.229,09	2.523,33	96.676,55	135.736,55	303.323,45	439.060,00
175	96.676,55	287,61	2.235,72	2.523,33	94.440,83	136.024,16	305.559,17	441.583,33
176	94.440,83	280,96	2.242,37	2.523,33	92.198,46	136.305,12	307.801,54	444.106,67
177	92.198,46	274,29	2.249,04	2.523,33	89.949,41	136.579,41	310.050,59	446.630,00
178	89.949,41	267,60	2.255,73	2.523,33	87.693,68	136.847,01	312.306,32	449.153,33
179	87.693,68	260,89	2.262,44	2.523,33	85.431,24	137.107,90	314.568,76	451.676,67
180	85.431,24	254,16	2.269,18	2.523,33	83.162,06	137.362,06	316.837,94	454.200,00
181	83.162,06	247,41	2.275,93	2.523,33	80.886,13	137.609,47	319.113,87	456.723,33
182	80.886,13	240,64	2.282,70	2.523,33	78.603,44	137.850,10	321.396,56	459.246,67
183	78.603,44	233,85	2.289,49	2.523,33	76.313,95	138.083,95	323.686,05	461.770,00
184	76.313,95	227,03	2.296,30	2.523,33	74.017,65	138.310,98	325.982,35	464.293,33
185	74.017,65	220,20	2.303,13	2.523,33	71.714,52	138.531,19	328.285,48	466.816,67
186	71.714,52	213,35	2.309,98	2.523,33	69.404,54	138.744,54	330.595,46	469.340,00
187	69.404,54	206,48	2.316,85	2.523,33	67.087,68	138.951,01	332.912,32	471.863,33
188	67.087,68	199,59	2.323,75	2.523,33	64.763,93	139.150,60	335.236,07	474.386,67
189	64.763,93	192,67	2.330,66	2.523,33	62.433,27	139.343,27	337.566,73	476.910,00
190	62.433,27	185,74	2.337,59	2.523,33	60.095,68	139.529,01	339.904,32	479.433,33
191	60.095,68	178,78	2.344,55	2.523,33	57.751,13	139.707,80	342.248,87	481.956,67
192	57.751,13	171,81	2.351,52	2.523,33	55.399,61	139.879,61	344.600,39	484.480,00
193	55.399,61	164,81	2.358,52	2.523,33	53.041,09	140.044,42	346.958,91	487.003,33
194	53.041,09	157,80	2.365,54	2.523,33	50.675,55	140.202,22	349.324,45	489.526,67
195	50.675,55	150,76	2.372,57	2.523,33	48.302,98	140.352,98	351.697,02	492.050,00
196	48.302,98	143,70	2.379,63	2.523,33	45.923,34	140.496,68	354.076,66	494.573,33
197	45.923,34	136,62	2.386,71	2.523,33	43.536,63	140.633,30	356.463,37	497.096,67
198	43.536,63	129,52	2.393,81	2.523,33	41.142,82	140.762,82	358.857,18	499.620,00
199	41.142,82	122,40	2.400,93	2.523,33	38.741,89	140.885,22	361.258,11	502.143,33
200	38.741,89	115,26	2.408,08	2.523,33	36.333,81	141.000,48	363.666,19	504.666,67
201	36.333,81	108,09	2.415,24	2.523,33	33.918,57	141.108,57	366.081,43	507.190,00
202	33.918,57	100,91	2.422,43	2.523,33	31.496,15	141.209,48	368.503,85	509.713,33
203	31.496,15	93,70	2.429,63	2.523,33	29.066,51	141.303,18	370.933,49	512.236,67
204	29.066,51	86,47	2.436,86	2.523,33	26.629,65	141.389,65	373.370,35	514.760,00
205	26.629,65	79,22	2.444,11	2.523,33	24.185,54	141.468,88	375.814,46	517.283,33
206	24.185,54	71,95	2.451,38	2.523,33	21.734,16	141.540,83	378.265,84	519.806,67
207	21.734,16	64,66	2.458,67	2.523,33	19.275,49	141.605,49	380.724,51	522.330,00
208	19.275,49	57,34	2.465,99	2.523,33	16.809,50	141.662,83	383.190,50	524.853,33
209	16.809,50	50,01	2.473,33	2.523,33	14.336,17	141.712,84	385.663,83	527.376,67
210	14.336,17	42,65	2.480,68	2.523,33	11.855,49	141.755,49	388.144,51	529.900,00
211	11.855,49	35,27	2.488,06	2.523,33	9.367,43	141.790,76	390.632,57	532.423,33
212	9.367,43	27,87	2.495,47	2.523,33	6.871,96	141.818,63	393.128,04	534.946,67
213	6.871,96	20,44	2.502,89	2.523,33	4.369,07	141.839,07	395.630,93	537.470,00
214	4.369,07	13,00	2.510,34	2.523,33	1.858,74	141.852,07	398.141,26	539.993,33
215	1.858,74	5,53	1.858,74	1.858,74	1.858,74	141.857,60	400.000,00	541.857,60

HypoVereinsbank Immobilienfinanzierung

3.23/5,00

143.786,08€
Zinsanteil

2.543,33€
Monatsrate

3,63%
Sollzins p.a.

3,68%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 100.000,00 €;Kreditrate: 428,33 €;Gesamtbetrag: 51.400,00 €;Anzahl Kreditraten: 120;Laufzeit: 120 Monate;Effektiver Jahreszins: 3,14 %;Gebundener Sollzins: 3,10 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.210,00	1.333,33	2.543,33	398.666,67	1.210,00	1.333,33	2.543,33
2	398.666,67	1.205,97	1.337,37	2.543,33	397.329,30	2.415,97	2.670,70	5.086,67
3	397.329,30	1.201,92	1.341,41	2.543,33	395.987,89	3.617,89	4.012,11	7.630,00
4	395.987,89	1.197,86	1.345,47	2.543,33	394.642,42	4.815,75	5.357,58	10.173,33
5	394.642,42	1.193,79	1.349,54	2.543,33	393.292,88	6.009,54	6.707,12	12.716,67
6	393.292,88	1.189,71	1.353,62	2.543,33	391.939,26	7.199,26	8.060,74	15.260,00
7	391.939,26	1.185,62	1.357,72	2.543,33	390.581,54	8.384,87	9.418,46	17.803,33
8	390.581,54	1.181,51	1.361,82	2.543,33	389.219,71	9.566,38	10.780,29	20.346,67
9	389.219,71	1.177,39	1.365,94	2.543,33	387.853,77	10.743,77	12.146,23	22.890,00
10	387.853,77	1.173,26	1.370,08	2.543,33	386.483,69	11.917,03	13.516,31	25.433,33
11	386.483,69	1.169,11	1.374,22	2.543,33	385.109,47	13.086,14	14.890,53	27.976,67
12	385.109,47	1.164,96	1.378,38	2.543,33	383.731,10	14.251,10	16.268,90	30.520,00
13	383.731,10	1.160,79	1.382,55	2.543,33	382.348,55	15.411,88	17.651,45	33.063,33
14	382.348,55	1.156,60	1.386,73	2.543,33	380.961,82	16.568,49	19.038,18	35.606,67
15	380.961,82	1.152,41	1.390,92	2.543,33	379.570,90	17.720,90	20.429,10	38.150,00
16	379.570,90	1.148,20	1.395,13	2.543,33	378.175,77	18.869,10	21.824,23	40.693,33
17	378.175,77	1.143,98	1.399,35	2.543,33	376.776,41	20.013,08	23.223,59	43.236,67
18	376.776,41	1.139,75	1.403,58	2.543,33	375.372,83	21.152,83	24.627,17	45.780,00
19	375.372,83	1.135,50	1.407,83	2.543,33	373.965,00	22.288,33	26.035,00	48.323,33
20	373.965,00	1.131,24	1.412,09	2.543,33	372.552,91	23.419,58	27.447,09	50.866,67
21	372.552,91	1.126,97	1.416,36	2.543,33	371.136,55	24.546,55	28.863,45	53.410,00
22	371.136,55	1.122,69	1.420,65	2.543,33	369.715,90	25.669,24	30.284,10	55.953,33
23	369.715,90	1.118,39	1.424,94	2.543,33	368.290,96	26.787,63	31.709,04	58.496,67
24	368.290,96	1.114,08	1.429,25	2.543,33	366.861,71	27.901,71	33.138,29	61.040,00
25	366.861,71	1.109,76	1.433,58	2.543,33	365.428,13	29.011,47	34.571,87	63.583,33
26	365.428,13	1.105,42	1.437,91	2.543,33	363.990,22	30.116,89	36.009,78	66.126,67
27	363.990,22	1.101,07	1.442,26	2.543,33	362.547,96	31.217,96	37.452,04	68.670,00
28	362.547,96	1.096,71	1.446,63	2.543,33	361.101,33	32.314,66	38.898,67	71.213,33
29	361.101,33	1.092,33	1.451,00	2.543,33	359.650,33	33.406,99	40.349,67	73.756,67
30	359.650,33	1.087,94	1.455,39	2.543,33	358.194,94	34.494,94	41.805,06	76.300,00
31	358.194,94	1.083,54	1.459,79	2.543,33	356.735,14	35.578,48	43.264,86	78.843,33
32	356.735,14	1.079,12	1.464,21	2.543,33	355.270,93	36.657,60	44.729,07	81.386,67
33	355.270,93	1.074,69	1.468,64	2.543,33	353.802,30	37.732,30	46.197,70	83.930,00
34	353.802,30	1.070,25	1.473,08	2.543,33	352.329,21	38.802,55	47.670,79	86.473,33
35	352.329,21	1.065,80	1.477,54	2.543,33	350.851,68	39.868,34	49.148,32	89.016,67
36	350.851,68	1.061,33	1.482,01	2.543,33	349.369,67	40.929,67	50.630,33	91.560,00
37	349.369,67	1.056,84	1.486,49	2.543,33	347.883,18	41.986,51	52.116,82	94.103,33
38	347.883,18	1.052,35	1.490,99	2.543,33	346.392,19	43.038,86	53.607,81	96.646,67
39	346.392,19	1.047,84	1.495,50	2.543,33	344.896,70	44.086,70	55.103,30	99.190,00
40	344.896,70	1.043,31	1.500,02	2.543,33	343.396,67	45.130,01	56.603,33	101.733,33
41	343.396,67	1.038,77	1.504,56	2.543,33	341.892,12	46.168,78	58.107,88	104.276,67
42	341.892,12	1.034,22	1.509,11	2.543,33	340.383,01	47.203,01	59.616,99	106.820,00
43	340.383,01	1.029,66	1.513,67	2.543,33	338.869,33	48.232,67	61.130,67	109.363,33
44	338.869,33	1.025,08	1.518,25	2.543,33	337.351,08	49.257,74	62.648,92	111.906,67
45	337.351,08	1.020,49	1.522,85	2.543,33	335.828,23	50.278,23	64.171,77	114.450,00
46	335.828,23	1.015,88	1.527,45	2.543,33	334.300,78	51.294,11	65.699,22	116.993,33
47	334.300,78	1.011,26	1.532,07	2.543,33	332.768,71	52.305,37	67.231,29	119.536,67
48	332.768,71	1.006,63	1.536,71	2.543,33	331.232,00	53.312,00	68.768,00	122.080,00
49	331.232,00	1.001,98	1.541,36	2.543,33	329.690,64	54.313,97	70.309,36	124.623,33
50	329.690,64	997,31	1.546,02	2.543,33	328.144,62	55.311,29	71.855,38	127.166,67
51	328.144,62	992,64	1.550,70	2.543,33	326.593,93	56.303,93	73.406,07	129.710,00
52	326.593,93	987,95	1.555,39	2.543,33	325.038,54	57.291,87	74.961,46	132.253,33
53	325.038,54	983,24	1.560,09	2.543,33	323.478,45	58.275,11	76.521,55	134.796,67
54	323.478,45	978,52	1.564,81	2.543,33	321.913,64	59.253,64	78.086,36	137.340,00
55	321.913,64	973,79	1.569,54	2.543,33	320.344,09	60.227,43	79.655,91	139.883,33
56	320.344,09	969,04	1.574,29	2.543,33	318.769,80	61.196,47	81.230,20	142.426,67
57	318.769,80	964,28	1.579,05	2.543,33	317.190,74	62.160,74	82.809,26	144.970,00
58	317.190,74	959,50	1.583,83	2.543,33	315.606,91	63.120,25	84.393,09	147.513,33
59	315.606,91	954,71	1.588,62	2.543,33	314.018,29	64.074,96	85.981,71	150.056,67
60	314.018,29	949,91	1.593,43	2.543,33	312.424,86	65.024,86	87.575,14	152.600,00
61	312.424,86	945,09	1.598,25	2.543,33	310.826,61	65.969,95	89.173,39	155.143,33
62	310.826,61	940,25	1.603,08	2.543,33	309.223,53	66.910,20	90.776,47	157.686,67
63	309.223,53	935,40	1.607,93	2.543,33	307.615,60	67.845,60	92.384,40	160.230,00
64	307.615,60	930,54	1.612,80	2.543,33	306.002,80	68.776,14	93.997,20	162.773,33
65	306.002,80	925,66	1.617,67	2.543,33	304.385,13	69.701,80	95.614,87	165.316,67
66	304.385,13	920,77	1.622,57	2.543,33	302.762,56	70.622,56	97.237,44	167.860,00
67	302.762,56	915,86	1.627,48	2.543,33	301.135,08	71.538,42	98.864,92	170.403,33
68	301.135,08	910,93	1.632,40	2.543,33	299.502,68	72.449,35	100.497,32	172.946,67
69	299.502,68	906,00	1.637,34	2.543,33	297.865,35	73.355,35	102.134,65	175.490,00
70	297.865,35	901,04	1.642,29	2.543,33	296.223,06	74.256,39	103.776,94	178.033,33
71	296.223,06	896,07	1.647,26	2.543,33	294.575,80	75.152,46	105.424,20	180.576,67
72	294.575,80	891,09	1.652,24	2.543,33	292.923,56	76.043,56	107.076,44	183.120,00
73	292.923,56	886,09	1.657,24	2.543,33	291.266,32	76.929,65	108.733,68	185.663,33
74	291.266,32	881,08	1.662,25	2.543,33	289.604,06	77.810,73	110.395,94	188.206,67
75	289.604,06	876,05	1.667,28	2.543,33	287.936,78	78.686,78	112.063,22	190.750,00
76	287.936,78	871,01	1.672,32	2.543,33	286.264,46	79.557,79	113.735,54	193.293,33
77	286.264,46	865,95	1.677,38	2.543,33	284.587,07	80.423,74	115.412,93	195.836,67
78	284.587,07	860,88	1.682,46	2.543,33	282.904,62	81.284,62	117.095,38	198.380,00
79	282.904,62	855,79	1.687,55	2.543,33	281.217,07	82.140,40	118.782,93	200.923,33
80	281.217,07	850,68	1.692,65	2.543,33	279.524,42	82.991,09	120.475,58	203.466,67
81	279.524,42	845,56	1.697,77	2.543,33	277.826,65	83.836,65	122.173,35	206.010,00
82	277.826,65	840,43	1.702,91	2.543,33	276.123,74	84.677,07	123.876,26	208.553,33
83	276.123,74	835,27	1.708,06	2.543,33	274.415,68	85.512,35	125.584,32	211.096,67
84	274.415,68	830,11	1.713,23	2.543,33	272.702,45	86.342,45	127.297,55	213.640,00
85	272.702,45	824,92	1.718,41	2.543,33	270.984,05	87.167,38	129.015,95	216.183,33
86	270.984,05	819,73	1.723,61	2.543,33	269.260,44	87.987,11	130.739,56	218.726,67
87	269.260,44	814,51	1.728,82	2.543,33	267.531,62	88.801,62	132.468,38	221.270,00
88	267.531,62	809,28	1.734,05	2.543,33	265.797,57	89.610,90	134.202,43	223.813,33
89	265.797,57	804,04	1.739,30	2.543,33	264.058,27	90.414,94	135.941,73	226.356,67
90	264.058,27	798,78	1.744,56	2.543,33	262.313,72	91.213,72	137.686,28	228.900,00
91	262.313,72	793,50	1.749,83	2.543,33	260.563,88	92.007,21	139.436,12	231.443,33
92	260.563,88	788,21	1.755,13	2.543,33	258.808,75	92.795,42	141.191,25	233.986,67
93	258.808,75	782,90	1.760,44	2.543,33	257.048,32	93.578,32	142.951,68	236.530,00
94	257.048,32	777,57	1.765,76	2.543,33	255.282,55	94.355,89	144.717,45	239.073,33
95	255.282,55	772,23	1.771,10	2.543,33	253.511,45	95.128,12	146.488,55	241.616,67
96	253.511,45	766,87	1.776,46	2.543,33	251.734,99	95.894,99	148.265,01	244.160,00
97	251.734,99	761,50	1.781,83	2.543,33	249.953,15	96.656,49	150.046,85	246.703,33
98	249.953,15	756,11	1.787,23	2.543,33	248.165,93	97.412,60	151.834,07	249.246,67
99	248.165,93	750,70	1.792,63	2.543,33	246.373,30	98.163,30	153.626,70	251.790,00
100	246.373,30	745,28	1.798,05	2.543,33	244.575,24	98.908,58	155.424,76	254.333,33
101	244.575,24	739,84	1.803,49	2.543,33	242.771,75	99.648,42	157.228,25	256.876,67
102	242.771,75	734,38	1.808,95	2.543,33	240.962,80	100.382,80	159.037,20	259.420,00
103	240.962,80	728,91	1.814,42	2.543,33	239.148,38	101.111,71	160.851,62	261.963,33
104	239.148,38	723,42	1.819,91	2.543,33	237.328,47	101.835,14	162.671,53	264.506,67
105	237.328,47	717,92	1.825,41	2.543,33	235.503,06	102.553,06	164.496,94	267.050,00
106	235.503,06	712,40	1.830,94	2.543,33	233.672,12	103.265,45	166.327,88	269.593,33
107	233.672,12	706,86	1.836,48	2.543,33	231.835,65	103.972,31	168.164,35	272.136,67
108	231.835,65	701,30	1.842,03	2.543,33	229.993,61	104.673,61	170.006,39	274.680,00
109	229.993,61	695,73	1.847,60	2.543,33	228.146,01	105.369,35	171.853,99	277.223,33
110	228.146,01	690,14	1.853,19	2.543,33	226.292,82	106.059,49	173.707,18	279.766,67
111	226.292,82	684,54	1.858,80	2.543,33	224.434,02	106.744,02	175.565,98	282.310,00
112	224.434,02	678,91	1.864,42	2.543,33	222.569,60	107.422,94	177.430,40	284.853,33
113	222.569,60	673,27	1.870,06	2.543,33	220.699,54	108.096,21	179.300,46	287.396,67
114	220.699,54	667,62	1.875,72	2.543,33	218.823,83	108.763,83	181.176,17	289.940,00
115	218.823,83	661,94	1.881,39	2.543,33	216.942,43	109.425,77	183.057,57	292.483,33
116	216.942,43	656,25	1.887,08	2.543,33	215.055,35	110.082,02	184.944,65	295.026,67
117	215.055,35	650,54	1.892,79	2.543,33	213.162,56	110.732,56	186.837,44	297.570,00
118	213.162,56	644,82	1.898,52	2.543,33	211.264,04	111.377,38	188.735,96	300.113,33
119	211.264,04	639,07	1.904,26	2.543,33	209.359,78	112.016,45	190.640,22	302.656,67
120	209.359,78	633,31	1.910,02	2.543,33	207.449,76	112.649,76	192.550,24	305.200,00
121	207.449,76	627,54	1.915,80	2.543,33	205.533,97	113.277,30	194.466,03	307.743,33
122	205.533,97	621,74	1.921,59	2.543,33	203.612,37	113.899,04	196.387,63	310.286,67
123	203.612,37	615,93	1.927,41	2.543,33	201.684,97	114.514,97	198.315,03	312.830,00
124	201.684,97	610,10	1.933,24	2.543,33	199.751,73	115.125,06	200.248,27	315.373,33
125	199.751,73	604,25	1.939,08	2.543,33	197.812,65	115.729,31	202.187,35	317.916,67
126	197.812,65	598,38	1.944,95	2.543,33	195.867,70	116.327,70	204.132,30	320.460,00
127	195.867,70	592,50	1.950,83	2.543,33	193.916,86	116.920,20	206.083,14	323.003,33
128	193.916,86	586,60	1.956,73	2.543,33	191.960,13	117.506,80	208.039,87	325.546,67
129	191.960,13	580,68	1.962,65	2.543,33	189.997,47	118.087,47	210.002,53	328.090,00
130	189.997,47	574,74	1.968,59	2.543,33	188.028,88	118.662,22	211.971,12	330.633,33
131	188.028,88	568,79	1.974,55	2.543,33	186.054,34	119.231,00	213.945,66	333.176,67
132	186.054,34	562,81	1.980,52	2.543,33	184.073,82	119.793,82	215.926,18	335.720,00
133	184.073,82	556,82	1.986,51	2.543,33	182.087,31	120.350,64	217.912,69	338.263,33
134	182.087,31	550,81	1.992,52	2.543,33	180.094,79	120.901,46	219.905,21	340.806,67
135	180.094,79	544,79	1.998,55	2.543,33	178.096,24	121.446,24	221.903,76	343.350,00
136	178.096,24	538,74	2.004,59	2.543,33	176.091,65	121.984,98	223.908,35	345.893,33
137	176.091,65	532,68	2.010,66	2.543,33	174.080,99	122.517,66	225.919,01	348.436,67
138	174.080,99	526,60	2.016,74	2.543,33	172.064,26	123.044,26	227.935,74	350.980,00
139	172.064,26	520,49	2.022,84	2.543,33	170.041,42	123.564,75	229.958,58	353.523,33
140	170.041,42	514,38	2.028,96	2.543,33	168.012,46	124.079,13	231.987,54	356.066,67
141	168.012,46	508,24	2.035,10	2.543,33	165.977,36	124.587,36	234.022,64	358.610,00
142	165.977,36	502,08	2.041,25	2.543,33	163.936,11	125.089,45	236.063,89	361.153,33
143	163.936,11	495,91	2.047,43	2.543,33	161.888,69	125.585,35	238.111,31	363.696,67
144	161.888,69	489,71	2.053,62	2.543,33	159.835,07	126.075,07	240.164,93	366.240,00
145	159.835,07	483,50	2.059,83	2.543,33	157.775,23	126.558,57	242.224,77	368.783,33
146	157.775,23	477,27	2.066,06	2.543,33	155.709,17	127.035,84	244.290,83	371.326,67
147	155.709,17	471,02	2.072,31	2.543,33	153.636,86	127.506,86	246.363,14	373.870,00
148	153.636,86	464,75	2.078,58	2.543,33	151.558,27	127.971,61	248.441,73	376.413,33
149	151.558,27	458,46	2.084,87	2.543,33	149.473,41	128.430,07	250.526,59	378.956,67
150	149.473,41	452,16	2.091,18	2.543,33	147.382,23	128.882,23	252.617,77	381.500,00
151	147.382,23	445,83	2.097,50	2.543,33	145.284,73	129.328,06	254.715,27	384.043,33
152	145.284,73	439,49	2.103,85	2.543,33	143.180,88	129.767,55	256.819,12	386.586,67
153	143.180,88	433,12	2.110,21	2.543,33	141.070,67	130.200,67	258.929,33	389.130,00
154	141.070,67	426,74	2.116,59	2.543,33	138.954,07	130.627,41	261.045,93	391.673,33
155	138.954,07	420,34	2.123,00	2.543,33	136.831,08	131.047,74	263.168,92	394.216,67
156	136.831,08	413,91	2.129,42	2.543,33	134.701,66	131.461,66	265.298,34	396.760,00
157	134.701,66	407,47	2.135,86	2.543,33	132.565,80	131.869,13	267.434,20	399.303,33
158	132.565,80	401,01	2.142,32	2.543,33	130.423,47	132.270,14	269.576,53	401.846,67
159	130.423,47	394,53	2.148,80	2.543,33	128.274,67	132.664,67	271.725,33	404.390,00
160	128.274,67	388,03	2.155,30	2.543,33	126.119,37	133.052,70	273.880,63	406.933,33
161	126.119,37	381,51	2.161,82	2.543,33	123.957,55	133.434,21	276.042,45	409.476,67
162	123.957,55	374,97	2.168,36	2.543,33	121.789,19	133.809,19	278.210,81	412.020,00
163	121.789,19	368,41	2.174,92	2.543,33	119.614,26	134.177,60	280.385,74	414.563,33
164	119.614,26	361,83	2.181,50	2.543,33	117.432,76	134.539,43	282.567,24	417.106,67
165	117.432,76	355,23	2.188,10	2.543,33	115.244,67	134.894,67	284.755,33	419.650,00
166	115.244,67	348,62	2.194,72	2.543,33	113.049,95	135.243,28	286.950,05	422.193,33
167	113.049,95	341,98	2.201,36	2.543,33	110.848,59	135.585,26	289.151,41	424.736,67
168	110.848,59	335,32	2.208,02	2.543,33	108.640,57	135.920,57	291.359,43	427.280,00
169	108.640,57	328,64	2.214,70	2.543,33	106.425,88	136.249,21	293.574,12	429.823,33
170	106.425,88	321,94	2.221,40	2.543,33	104.204,48	136.571,15	295.795,52	432.366,67
171	104.204,48	315,22	2.228,11	2.543,33	101.976,37	136.886,37	298.023,63	434.910,00
172	101.976,37	308,48	2.234,85	2.543,33	99.741,51	137.194,85	300.258,49	437.453,33
173	99.741,51	301,72	2.241,62	2.543,33	97.499,90	137.496,56	302.500,10	439.996,67
174	97.499,90	294,94	2.248,40	2.543,33	95.251,50	137.791,50	304.748,50	442.540,00
175	95.251,50	288,14	2.255,20	2.543,33	92.996,30	138.079,64	307.003,70	445.083,33
176	92.996,30	281,31	2.262,02	2.543,33	90.734,28	138.360,95	309.265,72	447.626,67
177	90.734,28	274,47	2.268,86	2.543,33	88.465,42	138.635,42	311.534,58	450.170,00
178	88.465,42	267,61	2.275,73	2.543,33	86.189,70	138.903,03	313.810,30	452.713,33
179	86.189,70	260,72	2.282,61	2.543,33	83.907,09	139.163,75	316.092,91	455.256,67
180	83.907,09	253,82	2.289,51	2.543,33	81.617,57	139.417,57	318.382,43	457.800,00
181	81.617,57	246,89	2.296,44	2.543,33	79.321,13	139.664,47	320.678,87	460.343,33
182	79.321,13	239,95	2.303,39	2.543,33	77.017,75	139.904,41	322.982,25	462.886,67
183	77.017,75	232,98	2.310,35	2.543,33	74.707,39	140.137,39	325.292,61	465.430,00
184	74.707,39	225,99	2.317,34	2.543,33	72.390,05	140.363,38	327.609,95	467.973,33
185	72.390,05	218,98	2.324,35	2.543,33	70.065,69	140.582,36	329.934,31	470.516,67
186	70.065,69	211,95	2.331,38	2.543,33	67.734,31	140.794,31	332.265,69	473.060,00
187	67.734,31	204,90	2.338,44	2.543,33	65.395,87	140.999,21	334.604,13	475.603,33
188	65.395,87	197,82	2.345,51	2.543,33	63.050,36	141.197,03	336.949,64	478.146,67
189	63.050,36	190,73	2.352,61	2.543,33	60.697,76	141.387,76	339.302,24	480.690,00
190	60.697,76	183,61	2.359,72	2.543,33	58.338,03	141.571,37	341.661,97	483.233,33
191	58.338,03	176,47	2.366,86	2.543,33	55.971,17	141.747,84	344.028,83	485.776,67
192	55.971,17	169,31	2.374,02	2.543,33	53.597,15	141.917,15	346.402,85	488.320,00
193	53.597,15	162,13	2.381,20	2.543,33	51.215,95	142.079,28	348.784,05	490.863,33
194	51.215,95	154,93	2.388,41	2.543,33	48.827,55	142.234,21	351.172,45	493.406,67
195	48.827,55	147,70	2.395,63	2.543,33	46.431,92	142.381,92	353.568,08	495.950,00
196	46.431,92	140,46	2.402,88	2.543,33	44.029,04	142.522,37	355.970,96	498.493,33
197	44.029,04	133,19	2.410,15	2.543,33	41.618,89	142.655,56	358.381,11	501.036,67
198	41.618,89	125,90	2.417,44	2.543,33	39.201,46	142.781,46	360.798,54	503.580,00
199	39.201,46	118,58	2.424,75	2.543,33	36.776,71	142.900,04	363.223,29	506.123,33
200	36.776,71	111,25	2.432,08	2.543,33	34.344,62	143.011,29	365.655,38	508.666,67
201	34.344,62	103,89	2.439,44	2.543,33	31.905,18	143.115,18	368.094,82	511.210,00
202	31.905,18	96,51	2.446,82	2.543,33	29.458,36	143.211,70	370.541,64	513.753,33
203	29.458,36	89,11	2.454,22	2.543,33	27.004,14	143.300,81	372.995,86	516.296,67
204	27.004,14	81,69	2.461,65	2.543,33	24.542,50	143.382,50	375.457,50	518.840,00
205	24.542,50	74,24	2.469,09	2.543,33	22.073,40	143.456,74	377.926,60	521.383,33
206	22.073,40	66,77	2.476,56	2.543,33	19.596,84	143.523,51	380.403,16	523.926,67
207	19.596,84	59,28	2.484,05	2.543,33	17.112,79	143.582,79	382.887,21	526.470,00
208	17.112,79	51,77	2.491,57	2.543,33	14.621,22	143.634,56	385.378,78	529.013,33
209	14.621,22	44,23	2.499,10	2.543,33	12.122,12	143.678,78	387.877,88	531.556,67
210	12.122,12	36,67	2.506,66	2.543,33	9.615,45	143.715,45	390.384,55	534.100,00
211	9.615,45	29,09	2.514,25	2.543,33	7.101,21	143.744,54	392.898,79	536.643,33
212	7.101,21	21,48	2.521,85	2.543,33	4.579,36	143.766,02	395.420,64	539.186,67
213	4.579,36	13,85	2.529,48	2.543,33	2.049,87	143.779,87	397.950,13	541.730,00
214	2.049,87	6,20	2.049,87	2.049,87	2.049,87	143.786,08	400.000,00	543.786,08

ING Baufinanzierung

3.38/5,00

153.889,59€
Zinsanteil

2.650,00€
Monatsrate

3,95%
Sollzins p.a.

4,04%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 1.725,00 €;Gesamtbetrag: 310.500,00 €;Anzahl Kreditraten: 180;Laufzeit: 257 Monate;Effektiver Jahreszins: 4,00 %;Gebundener Sollzins: 3,90 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.316,67	1.333,33	2.650,00	398.666,67	1.316,67	1.333,33	2.650,00
2	398.666,67	1.312,28	1.337,72	2.650,00	397.328,94	2.628,94	2.671,06	5.300,00
3	397.328,94	1.307,87	1.342,13	2.650,00	395.986,82	3.936,82	4.013,18	7.950,00
4	395.986,82	1.303,46	1.346,54	2.650,00	394.640,28	5.240,28	5.359,72	10.600,00
5	394.640,28	1.299,02	1.350,98	2.650,00	393.289,30	6.539,30	6.710,70	13.250,00
6	393.289,30	1.294,58	1.355,42	2.650,00	391.933,88	7.833,88	8.066,12	15.900,00
7	391.933,88	1.290,12	1.359,88	2.650,00	390.573,99	9.123,99	9.426,01	18.550,00
8	390.573,99	1.285,64	1.364,36	2.650,00	389.209,63	10.409,63	10.790,37	21.200,00
9	389.209,63	1.281,15	1.368,85	2.650,00	387.840,78	11.690,78	12.159,22	23.850,00
10	387.840,78	1.276,64	1.373,36	2.650,00	386.467,42	12.967,42	13.532,58	26.500,00
11	386.467,42	1.272,12	1.377,88	2.650,00	385.089,54	14.239,54	14.910,46	29.150,00
12	385.089,54	1.267,59	1.382,41	2.650,00	383.707,13	15.507,13	16.292,87	31.800,00
13	383.707,13	1.263,04	1.386,96	2.650,00	382.320,17	16.770,17	17.679,83	34.450,00
14	382.320,17	1.258,47	1.391,53	2.650,00	380.928,64	18.028,64	19.071,36	37.100,00
15	380.928,64	1.253,89	1.396,11	2.650,00	379.532,53	19.282,53	20.467,47	39.750,00
16	379.532,53	1.249,29	1.400,71	2.650,00	378.131,82	20.531,82	21.868,18	42.400,00
17	378.131,82	1.244,68	1.405,32	2.650,00	376.726,51	21.776,51	23.273,49	45.050,00
18	376.726,51	1.240,06	1.409,94	2.650,00	375.316,56	23.016,56	24.683,44	47.700,00
19	375.316,56	1.235,42	1.414,58	2.650,00	373.901,98	24.251,98	26.098,02	50.350,00
20	373.901,98	1.230,76	1.419,24	2.650,00	372.482,74	25.482,74	27.517,26	53.000,00
21	372.482,74	1.226,09	1.423,91	2.650,00	371.058,83	26.708,83	28.941,17	55.650,00
22	371.058,83	1.221,40	1.428,60	2.650,00	369.630,23	27.930,23	30.369,77	58.300,00
23	369.630,23	1.216,70	1.433,30	2.650,00	368.196,93	29.146,93	31.803,07	60.950,00
24	368.196,93	1.211,98	1.438,02	2.650,00	366.758,91	30.358,91	33.241,09	63.600,00
25	366.758,91	1.207,25	1.442,75	2.650,00	365.316,16	31.566,16	34.683,84	66.250,00
26	365.316,16	1.202,50	1.447,50	2.650,00	363.868,66	32.768,66	36.131,34	68.900,00
27	363.868,66	1.197,73	1.452,27	2.650,00	362.416,40	33.966,40	37.583,60	71.550,00
28	362.416,40	1.192,95	1.457,05	2.650,00	360.959,35	35.159,35	39.040,65	74.200,00
29	360.959,35	1.188,16	1.461,84	2.650,00	359.497,51	36.347,51	40.502,49	76.850,00
30	359.497,51	1.183,35	1.466,65	2.650,00	358.030,85	37.530,85	41.969,15	79.500,00
31	358.030,85	1.178,52	1.471,48	2.650,00	356.559,37	38.709,37	43.440,63	82.150,00
32	356.559,37	1.173,67	1.476,33	2.650,00	355.083,05	39.883,05	44.916,95	84.800,00
33	355.083,05	1.168,82	1.481,18	2.650,00	353.601,86	41.051,86	46.398,14	87.450,00
34	353.601,86	1.163,94	1.486,06	2.650,00	352.115,80	42.215,80	47.884,20	90.100,00
35	352.115,80	1.159,05	1.490,95	2.650,00	350.624,85	43.374,85	49.375,15	92.750,00
36	350.624,85	1.154,14	1.495,86	2.650,00	349.128,99	44.528,99	50.871,01	95.400,00
37	349.128,99	1.149,22	1.500,78	2.650,00	347.628,21	45.678,21	52.371,79	98.050,00
38	347.628,21	1.144,28	1.505,72	2.650,00	346.122,48	46.822,48	53.877,52	100.700,00
39	346.122,48	1.139,32	1.510,68	2.650,00	344.611,80	47.961,80	55.388,20	103.350,00
40	344.611,80	1.134,35	1.515,65	2.650,00	343.096,15	49.096,15	56.903,85	106.000,00
41	343.096,15	1.129,36	1.520,64	2.650,00	341.575,51	50.225,51	58.424,49	108.650,00
42	341.575,51	1.124,35	1.525,65	2.650,00	340.049,86	51.349,86	59.950,14	111.300,00
43	340.049,86	1.119,33	1.530,67	2.650,00	338.519,19	52.469,19	61.480,81	113.950,00
44	338.519,19	1.114,29	1.535,71	2.650,00	336.983,48	53.583,48	63.016,52	116.600,00
45	336.983,48	1.109,24	1.540,76	2.650,00	335.442,72	54.692,72	64.557,28	119.250,00
46	335.442,72	1.104,17	1.545,83	2.650,00	333.896,89	55.796,89	66.103,11	121.900,00
47	333.896,89	1.099,08	1.550,92	2.650,00	332.345,96	56.895,96	67.654,04	124.550,00
48	332.345,96	1.093,97	1.556,03	2.650,00	330.789,93	57.989,93	69.210,07	127.200,00
49	330.789,93	1.088,85	1.561,15	2.650,00	329.228,78	59.078,78	70.771,22	129.850,00
50	329.228,78	1.083,71	1.566,29	2.650,00	327.662,50	60.162,50	72.337,50	132.500,00
51	327.662,50	1.078,56	1.571,44	2.650,00	326.091,05	61.241,05	73.908,95	135.150,00
52	326.091,05	1.073,38	1.576,62	2.650,00	324.514,44	62.314,44	75.485,56	137.800,00
53	324.514,44	1.068,19	1.581,81	2.650,00	322.932,63	63.382,63	77.067,37	140.450,00
54	322.932,63	1.062,99	1.587,01	2.650,00	321.345,61	64.445,61	78.654,39	143.100,00
55	321.345,61	1.057,76	1.592,24	2.650,00	319.753,38	65.503,38	80.246,62	145.750,00
56	319.753,38	1.052,52	1.597,48	2.650,00	318.155,90	66.555,90	81.844,10	148.400,00
57	318.155,90	1.047,26	1.602,74	2.650,00	316.553,16	67.603,16	83.446,84	151.050,00
58	316.553,16	1.041,99	1.608,01	2.650,00	314.945,15	68.645,15	85.054,85	153.700,00
59	314.945,15	1.036,69	1.613,31	2.650,00	313.331,84	69.681,84	86.668,16	156.350,00
60	313.331,84	1.031,38	1.618,62	2.650,00	311.713,23	70.713,23	88.286,77	159.000,00
61	311.713,23	1.026,06	1.623,94	2.650,00	310.089,28	71.739,28	89.910,72	161.650,00
62	310.089,28	1.020,71	1.629,29	2.650,00	308.459,99	72.759,99	91.540,01	164.300,00
63	308.459,99	1.015,35	1.634,65	2.650,00	306.825,34	73.775,34	93.174,66	166.950,00
64	306.825,34	1.009,97	1.640,03	2.650,00	305.185,31	74.785,31	94.814,69	169.600,00
65	305.185,31	1.004,57	1.645,43	2.650,00	303.539,88	75.789,88	96.460,12	172.250,00
66	303.539,88	999,15	1.650,85	2.650,00	301.889,03	76.789,03	98.110,97	174.900,00
67	301.889,03	993,72	1.656,28	2.650,00	300.232,75	77.782,75	99.767,25	177.550,00
68	300.232,75	988,27	1.661,73	2.650,00	298.571,01	78.771,01	101.428,99	180.200,00
69	298.571,01	982,80	1.667,20	2.650,00	296.903,81	79.753,81	103.096,19	182.850,00
70	296.903,81	977,31	1.672,69	2.650,00	295.231,12	80.731,12	104.768,88	185.500,00
71	295.231,12	971,80	1.678,20	2.650,00	293.552,92	81.702,92	106.447,08	188.150,00
72	293.552,92	966,28	1.683,72	2.650,00	291.869,20	82.669,20	108.130,80	190.800,00
73	291.869,20	960,74	1.689,26	2.650,00	290.179,94	83.629,94	109.820,06	193.450,00
74	290.179,94	955,18	1.694,82	2.650,00	288.485,11	84.585,11	111.514,89	196.100,00
75	288.485,11	949,60	1.700,40	2.650,00	286.784,71	85.534,71	113.215,29	198.750,00
76	286.784,71	944,00	1.706,00	2.650,00	285.078,71	86.478,71	114.921,29	201.400,00
77	285.078,71	938,38	1.711,62	2.650,00	283.367,09	87.417,09	116.632,91	204.050,00
78	283.367,09	932,75	1.717,25	2.650,00	281.649,84	88.349,84	118.350,16	206.700,00
79	281.649,84	927,10	1.722,90	2.650,00	279.926,94	89.276,94	120.073,06	209.350,00
80	279.926,94	921,43	1.728,57	2.650,00	278.198,36	90.198,36	121.801,64	212.000,00
81	278.198,36	915,74	1.734,26	2.650,00	276.464,10	91.114,10	123.535,90	214.650,00
82	276.464,10	910,03	1.739,97	2.650,00	274.724,13	92.024,13	125.275,87	217.300,00
83	274.724,13	904,30	1.745,70	2.650,00	272.978,43	92.928,43	127.021,57	219.950,00
84	272.978,43	898,55	1.751,45	2.650,00	271.226,98	93.826,98	128.773,02	222.600,00
85	271.226,98	892,79	1.757,21	2.650,00	269.469,77	94.719,77	130.530,23	225.250,00
86	269.469,77	887,00	1.763,00	2.650,00	267.706,78	95.606,78	132.293,22	227.900,00
87	267.706,78	881,20	1.768,80	2.650,00	265.937,98	96.487,98	134.062,02	230.550,00
88	265.937,98	875,38	1.774,62	2.650,00	264.163,36	97.363,36	135.836,64	233.200,00
89	264.163,36	869,54	1.780,46	2.650,00	262.382,90	98.232,90	137.617,10	235.850,00
90	262.382,90	863,68	1.786,32	2.650,00	260.596,57	99.096,57	139.403,43	238.500,00
91	260.596,57	857,80	1.792,20	2.650,00	258.804,37	99.954,37	141.195,63	241.150,00
92	258.804,37	851,90	1.798,10	2.650,00	257.006,27	100.806,27	142.993,73	243.800,00
93	257.006,27	845,98	1.804,02	2.650,00	255.202,25	101.652,25	144.797,75	246.450,00
94	255.202,25	840,04	1.809,96	2.650,00	253.392,29	102.492,29	146.607,71	249.100,00
95	253.392,29	834,08	1.815,92	2.650,00	251.576,37	103.326,37	148.423,63	251.750,00
96	251.576,37	828,11	1.821,89	2.650,00	249.754,48	104.154,48	150.245,52	254.400,00
97	249.754,48	822,11	1.827,89	2.650,00	247.926,58	104.976,58	152.073,42	257.050,00
98	247.926,58	816,09	1.833,91	2.650,00	246.092,68	105.792,68	153.907,32	259.700,00
99	246.092,68	810,06	1.839,94	2.650,00	244.252,73	106.602,73	155.747,27	262.350,00
100	244.252,73	804,00	1.846,00	2.650,00	242.406,73	107.406,73	157.593,27	265.000,00
101	242.406,73	797,92	1.852,08	2.650,00	240.554,65	108.204,65	159.445,35	267.650,00
102	240.554,65	791,83	1.858,17	2.650,00	238.696,48	108.996,48	161.303,52	270.300,00
103	238.696,48	785,71	1.864,29	2.650,00	236.832,19	109.782,19	163.167,81	272.950,00
104	236.832,19	779,57	1.870,43	2.650,00	234.961,76	110.561,76	165.038,24	275.600,00
105	234.961,76	773,42	1.876,58	2.650,00	233.085,17	111.335,17	166.914,83	278.250,00
106	233.085,17	767,24	1.882,76	2.650,00	231.202,41	112.102,41	168.797,59	280.900,00
107	231.202,41	761,04	1.888,96	2.650,00	229.313,45	112.863,45	170.686,55	283.550,00
108	229.313,45	754,82	1.895,18	2.650,00	227.418,28	113.618,28	172.581,72	286.200,00
109	227.418,28	748,59	1.901,41	2.650,00	225.516,86	114.366,86	174.483,14	288.850,00
110	225.516,86	742,33	1.907,67	2.650,00	223.609,19	115.109,19	176.390,81	291.500,00
111	223.609,19	736,05	1.913,95	2.650,00	221.695,24	115.845,24	178.304,76	294.150,00
112	221.695,24	729,75	1.920,25	2.650,00	219.774,98	116.574,98	180.225,02	296.800,00
113	219.774,98	723,43	1.926,57	2.650,00	217.848,41	117.298,41	182.151,59	299.450,00
114	217.848,41	717,08	1.932,92	2.650,00	215.915,49	118.015,49	184.084,51	302.100,00
115	215.915,49	710,72	1.939,28	2.650,00	213.976,22	118.726,22	186.023,78	304.750,00
116	213.976,22	704,34	1.945,66	2.650,00	212.030,55	119.430,55	187.969,45	307.400,00
117	212.030,55	697,93	1.952,07	2.650,00	210.078,49	120.128,49	189.921,51	310.050,00
118	210.078,49	691,51	1.958,49	2.650,00	208.120,00	120.820,00	191.880,00	312.700,00
119	208.120,00	685,06	1.964,94	2.650,00	206.155,06	121.505,06	193.844,94	315.350,00
120	206.155,06	678,59	1.971,41	2.650,00	204.183,65	122.183,65	195.816,35	318.000,00
121	204.183,65	672,10	1.977,90	2.650,00	202.205,76	122.855,76	197.794,24	320.650,00
122	202.205,76	665,59	1.984,41	2.650,00	200.221,35	123.521,35	199.778,65	323.300,00
123	200.221,35	659,06	1.990,94	2.650,00	198.230,41	124.180,41	201.769,59	325.950,00
124	198.230,41	652,51	1.997,49	2.650,00	196.232,92	124.832,92	203.767,08	328.600,00
125	196.232,92	645,93	2.004,07	2.650,00	194.228,85	125.478,85	205.771,15	331.250,00
126	194.228,85	639,34	2.010,66	2.650,00	192.218,19	126.118,19	207.781,81	333.900,00
127	192.218,19	632,72	2.017,28	2.650,00	190.200,91	126.750,91	209.799,09	336.550,00
128	190.200,91	626,08	2.023,92	2.650,00	188.176,99	127.376,99	211.823,01	339.200,00
129	188.176,99	619,42	2.030,58	2.650,00	186.146,40	127.996,40	213.853,60	341.850,00
130	186.146,40	612,73	2.037,27	2.650,00	184.109,13	128.609,13	215.890,87	344.500,00
131	184.109,13	606,03	2.043,97	2.650,00	182.065,16	129.215,16	217.934,84	347.150,00
132	182.065,16	599,30	2.050,70	2.650,00	180.014,46	129.814,46	219.985,54	349.800,00
133	180.014,46	592,55	2.057,45	2.650,00	177.957,01	130.407,01	222.042,99	352.450,00
134	177.957,01	585,78	2.064,22	2.650,00	175.892,78	130.992,78	224.107,22	355.100,00
135	175.892,78	578,98	2.071,02	2.650,00	173.821,76	131.571,76	226.178,24	357.750,00
136	173.821,76	572,16	2.077,84	2.650,00	171.743,92	132.143,92	228.256,08	360.400,00
137	171.743,92	565,32	2.084,68	2.650,00	169.659,25	132.709,25	230.340,75	363.050,00
138	169.659,25	558,46	2.091,54	2.650,00	167.567,71	133.267,71	232.432,29	365.700,00
139	167.567,71	551,58	2.098,42	2.650,00	165.469,29	133.819,29	234.530,71	368.350,00
140	165.469,29	544,67	2.105,33	2.650,00	163.363,96	134.363,96	236.636,04	371.000,00
141	163.363,96	537,74	2.112,26	2.650,00	161.251,70	134.901,70	238.748,30	373.650,00
142	161.251,70	530,79	2.119,21	2.650,00	159.132,48	135.432,48	240.867,52	376.300,00
143	159.132,48	523,81	2.126,19	2.650,00	157.006,29	135.956,29	242.993,71	378.950,00
144	157.006,29	516,81	2.133,19	2.650,00	154.873,11	136.473,11	245.126,89	381.600,00
145	154.873,11	509,79	2.140,21	2.650,00	152.732,90	136.982,90	247.267,10	384.250,00
146	152.732,90	502,75	2.147,25	2.650,00	150.585,64	137.485,64	249.414,36	386.900,00
147	150.585,64	495,68	2.154,32	2.650,00	148.431,32	137.981,32	251.568,68	389.550,00
148	148.431,32	488,59	2.161,41	2.650,00	146.269,91	138.469,91	253.730,09	392.200,00
149	146.269,91	481,47	2.168,53	2.650,00	144.101,38	138.951,38	255.898,62	394.850,00
150	144.101,38	474,33	2.175,67	2.650,00	141.925,71	139.425,71	258.074,29	397.500,00
151	141.925,71	467,17	2.182,83	2.650,00	139.742,88	139.892,88	260.257,12	400.150,00
152	139.742,88	459,99	2.190,01	2.650,00	137.552,87	140.352,87	262.447,13	402.800,00
153	137.552,87	452,78	2.197,22	2.650,00	135.355,65	140.805,65	264.644,35	405.450,00
154	135.355,65	445,55	2.204,45	2.650,00	133.151,20	141.251,20	266.848,80	408.100,00
155	133.151,20	438,29	2.211,71	2.650,00	130.939,48	141.689,48	269.060,52	410.750,00
156	130.939,48	431,01	2.218,99	2.650,00	128.720,49	142.120,49	271.279,51	413.400,00
157	128.720,49	423,70	2.226,30	2.650,00	126.494,20	142.544,20	273.505,80	416.050,00
158	126.494,20	416,38	2.233,62	2.650,00	124.260,58	142.960,58	275.739,42	418.700,00
159	124.260,58	409,02	2.240,98	2.650,00	122.019,60	143.369,60	277.980,40	421.350,00
160	122.019,60	401,65	2.248,35	2.650,00	119.771,25	143.771,25	280.228,75	424.000,00
161	119.771,25	394,25	2.255,75	2.650,00	117.515,49	144.165,49	282.484,51	426.650,00
162	117.515,49	386,82	2.263,18	2.650,00	115.252,32	144.552,32	284.747,68	429.300,00
163	115.252,32	379,37	2.270,63	2.650,00	112.981,69	144.931,69	287.018,31	431.950,00
164	112.981,69	371,90	2.278,10	2.650,00	110.703,59	145.303,59	289.296,41	434.600,00
165	110.703,59	364,40	2.285,60	2.650,00	108.417,99	145.667,99	291.582,01	437.250,00
166	108.417,99	356,88	2.293,12	2.650,00	106.124,86	146.024,86	293.875,14	439.900,00
167	106.124,86	349,33	2.300,67	2.650,00	103.824,19	146.374,19	296.175,81	442.550,00
168	103.824,19	341,75	2.308,25	2.650,00	101.515,94	146.715,94	298.484,06	445.200,00
169	101.515,94	334,16	2.315,84	2.650,00	99.200,10	147.050,10	300.799,90	447.850,00
170	99.200,10	326,53	2.323,47	2.650,00	96.876,63	147.376,63	303.123,37	450.500,00
171	96.876,63	318,89	2.331,11	2.650,00	94.545,52	147.695,52	305.454,48	453.150,00
172	94.545,52	311,21	2.338,79	2.650,00	92.206,73	148.006,73	307.793,27	455.800,00
173	92.206,73	303,51	2.346,49	2.650,00	89.860,25	148.310,25	310.139,75	458.450,00
174	89.860,25	295,79	2.354,21	2.650,00	87.506,04	148.606,04	312.493,96	461.100,00
175	87.506,04	288,04	2.361,96	2.650,00	85.144,08	148.894,08	314.855,92	463.750,00
176	85.144,08	280,27	2.369,73	2.650,00	82.774,34	149.174,34	317.225,66	466.400,00
177	82.774,34	272,47	2.377,53	2.650,00	80.396,81	149.446,81	319.603,19	469.050,00
178	80.396,81	264,64	2.385,36	2.650,00	78.011,45	149.711,45	321.988,55	471.700,00
179	78.011,45	256,79	2.393,21	2.650,00	75.618,24	149.968,24	324.381,76	474.350,00
180	75.618,24	248,91	2.401,09	2.650,00	73.217,15	150.217,15	326.782,85	477.000,00
181	73.217,15	241,01	2.408,99	2.650,00	70.808,15	150.458,15	329.191,85	479.650,00
182	70.808,15	233,08	2.416,92	2.650,00	68.391,23	150.691,23	331.608,77	482.300,00
183	68.391,23	225,12	2.424,88	2.650,00	65.966,35	150.916,35	334.033,65	484.950,00
184	65.966,35	217,14	2.432,86	2.650,00	63.533,49	151.133,49	336.466,51	487.600,00
185	63.533,49	209,13	2.440,87	2.650,00	61.092,62	151.342,62	338.907,38	490.250,00
186	61.092,62	201,10	2.448,90	2.650,00	58.643,72	151.543,72	341.356,28	492.900,00
187	58.643,72	193,04	2.456,96	2.650,00	56.186,75	151.736,75	343.813,25	495.550,00
188	56.186,75	184,95	2.465,05	2.650,00	53.721,70	151.921,70	346.278,30	498.200,00
189	53.721,70	176,83	2.473,17	2.650,00	51.248,53	152.098,53	348.751,47	500.850,00
190	51.248,53	168,69	2.481,31	2.650,00	48.767,23	152.267,23	351.232,77	503.500,00
191	48.767,23	160,53	2.489,47	2.650,00	46.277,75	152.427,75	353.722,25	506.150,00
192	46.277,75	152,33	2.497,67	2.650,00	43.780,08	152.580,08	356.219,92	508.800,00
193	43.780,08	144,11	2.505,89	2.650,00	41.274,19	152.724,19	358.725,81	511.450,00
194	41.274,19	135,86	2.514,14	2.650,00	38.760,05	152.860,05	361.239,95	514.100,00
195	38.760,05	127,59	2.522,41	2.650,00	36.237,64	152.987,64	363.762,36	516.750,00
196	36.237,64	119,28	2.530,72	2.650,00	33.706,92	153.106,92	366.293,08	519.400,00
197	33.706,92	110,95	2.539,05	2.650,00	31.167,87	153.217,87	368.832,13	522.050,00
198	31.167,87	102,59	2.547,41	2.650,00	28.620,47	153.320,47	371.379,53	524.700,00
199	28.620,47	94,21	2.555,79	2.650,00	26.064,68	153.414,68	373.935,32	527.350,00
200	26.064,68	85,80	2.564,20	2.650,00	23.500,47	153.500,47	376.499,53	530.000,00
201	23.500,47	77,36	2.572,64	2.650,00	20.927,83	153.577,83	379.072,17	532.650,00
202	20.927,83	68,89	2.581,11	2.650,00	18.346,72	153.646,72	381.653,28	535.300,00
203	18.346,72	60,39	2.589,61	2.650,00	15.757,11	153.707,11	384.242,89	537.950,00
204	15.757,11	51,87	2.598,13	2.650,00	13.158,98	153.758,98	386.841,02	540.600,00
205	13.158,98	43,31	2.606,69	2.650,00	10.552,29	153.802,29	389.447,71	543.250,00
206	10.552,29	34,73	2.615,27	2.650,00	7.937,02	153.837,02	392.062,98	545.900,00
207	7.937,02	26,13	2.623,87	2.650,00	5.313,15	153.863,15	394.686,85	548.550,00
208	5.313,15	17,49	2.632,51	2.650,00	2.680,64	153.880,64	397.319,36	551.200,00
209	2.680,64	8,82	2.641,18	2.650,00	39,46	153.889,46	399.960,54	553.850,00
210	39,46	0,13	39,46	39,46	39,46	153.889,59	400.000,00	553.889,59

Stand der Daten: 27.09.2022

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

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