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: €

CE-Baufinanz Baufinanzierung

3.81/5,00

138.943,59€
Zinsanteil

2.493,33€
Monatsrate

3,48%
Sollzins p.a.

3,55%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 350.000,00 €;Kreditrate: 1.619,00 €;Gesamtbetrag: 291.420,00 €;Anzahl Kreditraten: 180;Laufzeit: 347 Monate;Effektiver Jahreszins: 3,61 %;Gebundener Sollzins: 3,55 %;

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

DSL Bank Baufinanzierung

3.66/5,00

138.943,59€
Zinsanteil

2.493,33€
Monatsrate

3,48%
Sollzins p.a.

3,56%
Effektivzins p.a.

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

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

immo-finanzcheck.de Baufinanzierung

4.11/5,00

142.501,90€
Zinsanteil

2.530,00€
Monatsrate

3,59%
Sollzins p.a.

3,68%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 250.000,00 €;Kreditrate: 1.152,00 €;Gesamtbetrag: 138.250,00 €;Anzahl Kreditraten: 1440;Laufzeit: 120 Monate;Effektiver Jahreszins: 3,54 %;Gebundener Sollzins: 3,53 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.196,67	1.333,33	2.530,00	398.666,67	1.196,67	1.333,33	2.530,00
2	398.666,67	1.192,68	1.337,32	2.530,00	397.329,34	2.389,34	2.670,66	5.060,00
3	397.329,34	1.188,68	1.341,32	2.530,00	395.988,02	3.578,02	4.011,98	7.590,00
4	395.988,02	1.184,66	1.345,34	2.530,00	394.642,69	4.762,69	5.357,31	10.120,00
5	394.642,69	1.180,64	1.349,36	2.530,00	393.293,32	5.943,32	6.706,68	12.650,00
6	393.293,32	1.176,60	1.353,40	2.530,00	391.939,93	7.119,93	8.060,07	15.180,00
7	391.939,93	1.172,55	1.357,45	2.530,00	390.582,48	8.292,48	9.417,52	17.710,00
8	390.582,48	1.168,49	1.361,51	2.530,00	389.220,97	9.460,97	10.779,03	20.240,00
9	389.220,97	1.164,42	1.365,58	2.530,00	387.855,39	10.625,39	12.144,61	22.770,00
10	387.855,39	1.160,33	1.369,67	2.530,00	386.485,73	11.785,73	13.514,27	25.300,00
11	386.485,73	1.156,24	1.373,76	2.530,00	385.111,96	12.941,96	14.888,04	27.830,00
12	385.111,96	1.152,13	1.377,87	2.530,00	383.734,09	14.094,09	16.265,91	30.360,00
13	383.734,09	1.148,00	1.382,00	2.530,00	382.352,09	15.242,09	17.647,91	32.890,00
14	382.352,09	1.143,87	1.386,13	2.530,00	380.965,96	16.385,96	19.034,04	35.420,00
15	380.965,96	1.139,72	1.390,28	2.530,00	379.575,69	17.525,69	20.424,31	37.950,00
16	379.575,69	1.135,56	1.394,44	2.530,00	378.181,25	18.661,25	21.818,75	40.480,00
17	378.181,25	1.131,39	1.398,61	2.530,00	376.782,64	19.792,64	23.217,36	43.010,00
18	376.782,64	1.127,21	1.402,79	2.530,00	375.379,85	20.919,85	24.620,15	45.540,00
19	375.379,85	1.123,01	1.406,99	2.530,00	373.972,86	22.042,86	26.027,14	48.070,00
20	373.972,86	1.118,80	1.411,20	2.530,00	372.561,67	23.161,67	27.438,33	50.600,00
21	372.561,67	1.114,58	1.415,42	2.530,00	371.146,25	24.276,25	28.853,75	53.130,00
22	371.146,25	1.110,35	1.419,65	2.530,00	369.726,59	25.386,59	30.273,41	55.660,00
23	369.726,59	1.106,10	1.423,90	2.530,00	368.302,69	26.492,69	31.697,31	58.190,00
24	368.302,69	1.101,84	1.428,16	2.530,00	366.874,53	27.594,53	33.125,47	60.720,00
25	366.874,53	1.097,57	1.432,43	2.530,00	365.442,10	28.692,10	34.557,90	63.250,00
26	365.442,10	1.093,28	1.436,72	2.530,00	364.005,38	29.785,38	35.994,62	65.780,00
27	364.005,38	1.088,98	1.441,02	2.530,00	362.564,36	30.874,36	37.435,64	68.310,00
28	362.564,36	1.084,67	1.445,33	2.530,00	361.119,03	31.959,03	38.880,97	70.840,00
29	361.119,03	1.080,35	1.449,65	2.530,00	359.669,38	33.039,38	40.330,62	73.370,00
30	359.669,38	1.076,01	1.453,99	2.530,00	358.215,39	34.115,39	41.784,61	75.900,00
31	358.215,39	1.071,66	1.458,34	2.530,00	356.757,05	35.187,05	43.242,95	78.430,00
32	356.757,05	1.067,30	1.462,70	2.530,00	355.294,35	36.254,35	44.705,65	80.960,00
33	355.294,35	1.062,92	1.467,08	2.530,00	353.827,27	37.317,27	46.172,73	83.490,00
34	353.827,27	1.058,53	1.471,47	2.530,00	352.355,80	38.375,80	47.644,20	86.020,00
35	352.355,80	1.054,13	1.475,87	2.530,00	350.879,94	39.429,94	49.120,06	88.550,00
36	350.879,94	1.049,72	1.480,28	2.530,00	349.399,65	40.479,65	50.600,35	91.080,00
37	349.399,65	1.045,29	1.484,71	2.530,00	347.914,94	41.524,94	52.085,06	93.610,00
38	347.914,94	1.040,85	1.489,15	2.530,00	346.425,78	42.565,78	53.574,22	96.140,00
39	346.425,78	1.036,39	1.493,61	2.530,00	344.932,17	43.602,17	55.067,83	98.670,00
40	344.932,17	1.031,92	1.498,08	2.530,00	343.434,10	44.634,10	56.565,90	101.200,00
41	343.434,10	1.027,44	1.502,56	2.530,00	341.931,54	45.661,54	58.068,46	103.730,00
42	341.931,54	1.022,95	1.507,05	2.530,00	340.424,48	46.684,48	59.575,52	106.260,00
43	340.424,48	1.018,44	1.511,56	2.530,00	338.912,92	47.702,92	61.087,08	108.790,00
44	338.912,92	1.013,91	1.516,09	2.530,00	337.396,83	48.716,83	62.603,17	111.320,00
45	337.396,83	1.009,38	1.520,62	2.530,00	335.876,21	49.726,21	64.123,79	113.850,00
46	335.876,21	1.004,83	1.525,17	2.530,00	334.351,04	50.731,04	65.648,96	116.380,00
47	334.351,04	1.000,27	1.529,73	2.530,00	332.821,31	51.731,31	67.178,69	118.910,00
48	332.821,31	995,69	1.534,31	2.530,00	331.287,00	52.727,00	68.713,00	121.440,00
49	331.287,00	991,10	1.538,90	2.530,00	329.748,10	53.718,10	70.251,90	123.970,00
50	329.748,10	986,50	1.543,50	2.530,00	328.204,60	54.704,60	71.795,40	126.500,00
51	328.204,60	981,88	1.548,12	2.530,00	326.656,47	55.686,47	73.343,53	129.030,00
52	326.656,47	977,25	1.552,75	2.530,00	325.103,72	56.663,72	74.896,28	131.560,00
53	325.103,72	972,60	1.557,40	2.530,00	323.546,32	57.636,32	76.453,68	134.090,00
54	323.546,32	967,94	1.562,06	2.530,00	321.984,27	58.604,27	78.015,73	136.620,00
55	321.984,27	963,27	1.566,73	2.530,00	320.417,54	59.567,54	79.582,46	139.150,00
56	320.417,54	958,58	1.571,42	2.530,00	318.846,12	60.526,12	81.153,88	141.680,00
57	318.846,12	953,88	1.576,12	2.530,00	317.270,00	61.480,00	82.730,00	144.210,00
58	317.270,00	949,17	1.580,83	2.530,00	315.689,17	62.429,17	84.310,83	146.740,00
59	315.689,17	944,44	1.585,56	2.530,00	314.103,60	63.373,60	85.896,40	149.270,00
60	314.103,60	939,69	1.590,31	2.530,00	312.513,30	64.313,30	87.486,70	151.800,00
61	312.513,30	934,94	1.595,06	2.530,00	310.918,23	65.248,23	89.081,77	154.330,00
62	310.918,23	930,16	1.599,84	2.530,00	309.318,40	66.178,40	90.681,60	156.860,00
63	309.318,40	925,38	1.604,62	2.530,00	307.713,77	67.103,77	92.286,23	159.390,00
64	307.713,77	920,58	1.609,42	2.530,00	306.104,35	68.024,35	93.895,65	161.920,00
65	306.104,35	915,76	1.614,24	2.530,00	304.490,11	68.940,11	95.509,89	164.450,00
66	304.490,11	910,93	1.619,07	2.530,00	302.871,05	69.851,05	97.128,95	166.980,00
67	302.871,05	906,09	1.623,91	2.530,00	301.247,13	70.757,13	98.752,87	169.510,00
68	301.247,13	901,23	1.628,77	2.530,00	299.618,37	71.658,37	100.381,63	172.040,00
69	299.618,37	896,36	1.633,64	2.530,00	297.984,72	72.554,72	102.015,28	174.570,00
70	297.984,72	891,47	1.638,53	2.530,00	296.346,19	73.446,19	103.653,81	177.100,00
71	296.346,19	886,57	1.643,43	2.530,00	294.702,76	74.332,76	105.297,24	179.630,00
72	294.702,76	881,65	1.648,35	2.530,00	293.054,42	75.214,42	106.945,58	182.160,00
73	293.054,42	876,72	1.653,28	2.530,00	291.401,14	76.091,14	108.598,86	184.690,00
74	291.401,14	871,78	1.658,22	2.530,00	289.742,91	76.962,91	110.257,09	187.220,00
75	289.742,91	866,81	1.663,19	2.530,00	288.079,73	77.829,73	111.920,27	189.750,00
76	288.079,73	861,84	1.668,16	2.530,00	286.411,57	78.691,57	113.588,43	192.280,00
77	286.411,57	856,85	1.673,15	2.530,00	284.738,41	79.548,41	115.261,59	194.810,00
78	284.738,41	851,84	1.678,16	2.530,00	283.060,26	80.400,26	116.939,74	197.340,00
79	283.060,26	846,82	1.683,18	2.530,00	281.377,08	81.247,08	118.622,92	199.870,00
80	281.377,08	841,79	1.688,21	2.530,00	279.688,86	82.088,86	120.311,14	202.400,00
81	279.688,86	836,74	1.693,26	2.530,00	277.995,60	82.925,60	122.004,40	204.930,00
82	277.995,60	831,67	1.698,33	2.530,00	276.297,27	83.757,27	123.702,73	207.460,00
83	276.297,27	826,59	1.703,41	2.530,00	274.593,86	84.583,86	125.406,14	209.990,00
84	274.593,86	821,49	1.708,51	2.530,00	272.885,35	85.405,35	127.114,65	212.520,00
85	272.885,35	816,38	1.713,62	2.530,00	271.171,73	86.221,73	128.828,27	215.050,00
86	271.171,73	811,26	1.718,74	2.530,00	269.452,99	87.032,99	130.547,01	217.580,00
87	269.452,99	806,11	1.723,89	2.530,00	267.729,10	87.839,10	132.270,90	220.110,00
88	267.729,10	800,96	1.729,04	2.530,00	266.000,06	88.640,06	133.999,94	222.640,00
89	266.000,06	795,78	1.734,22	2.530,00	264.265,84	89.435,84	135.734,16	225.170,00
90	264.265,84	790,60	1.739,40	2.530,00	262.526,44	90.226,44	137.473,56	227.700,00
91	262.526,44	785,39	1.744,61	2.530,00	260.781,83	91.011,83	139.218,17	230.230,00
92	260.781,83	780,17	1.749,83	2.530,00	259.032,00	91.792,00	140.968,00	232.760,00
93	259.032,00	774,94	1.755,06	2.530,00	257.276,94	92.566,94	142.723,06	235.290,00
94	257.276,94	769,69	1.760,31	2.530,00	255.516,63	93.336,63	144.483,37	237.820,00
95	255.516,63	764,42	1.765,58	2.530,00	253.751,05	94.101,05	146.248,95	240.350,00
96	253.751,05	759,14	1.770,86	2.530,00	251.980,19	94.860,19	148.019,81	242.880,00
97	251.980,19	753,84	1.776,16	2.530,00	250.204,03	95.614,03	149.795,97	245.410,00
98	250.204,03	748,53	1.781,47	2.530,00	248.422,55	96.362,55	151.577,45	247.940,00
99	248.422,55	743,20	1.786,80	2.530,00	246.635,75	97.105,75	153.364,25	250.470,00
100	246.635,75	737,85	1.792,15	2.530,00	244.843,60	97.843,60	155.156,40	253.000,00
101	244.843,60	732,49	1.797,51	2.530,00	243.046,09	98.576,09	156.953,91	255.530,00
102	243.046,09	727,11	1.802,89	2.530,00	241.243,21	99.303,21	158.756,79	258.060,00
103	241.243,21	721,72	1.808,28	2.530,00	239.434,93	100.024,93	160.565,07	260.590,00
104	239.434,93	716,31	1.813,69	2.530,00	237.621,23	100.741,23	162.378,77	263.120,00
105	237.621,23	710,88	1.819,12	2.530,00	235.802,12	101.452,12	164.197,88	265.650,00
106	235.802,12	705,44	1.824,56	2.530,00	233.977,56	102.157,56	166.022,44	268.180,00
107	233.977,56	699,98	1.830,02	2.530,00	232.147,54	102.857,54	167.852,46	270.710,00
108	232.147,54	694,51	1.835,49	2.530,00	230.312,05	103.552,05	169.687,95	273.240,00
109	230.312,05	689,02	1.840,98	2.530,00	228.471,07	104.241,07	171.528,93	275.770,00
110	228.471,07	683,51	1.846,49	2.530,00	226.624,58	104.924,58	173.375,42	278.300,00
111	226.624,58	677,99	1.852,01	2.530,00	224.772,56	105.602,56	175.227,44	280.830,00
112	224.772,56	672,44	1.857,56	2.530,00	222.915,01	106.275,01	177.084,99	283.360,00
113	222.915,01	666,89	1.863,11	2.530,00	221.051,89	106.941,89	178.948,11	285.890,00
114	221.051,89	661,31	1.868,69	2.530,00	219.183,21	107.603,21	180.816,79	288.420,00
115	219.183,21	655,72	1.874,28	2.530,00	217.308,93	108.258,93	182.691,07	290.950,00
116	217.308,93	650,12	1.879,88	2.530,00	215.429,05	108.909,05	184.570,95	293.480,00
117	215.429,05	644,49	1.885,51	2.530,00	213.543,54	109.553,54	186.456,46	296.010,00
118	213.543,54	638,85	1.891,15	2.530,00	211.652,39	110.192,39	188.347,61	298.540,00
119	211.652,39	633,19	1.896,81	2.530,00	209.755,58	110.825,58	190.244,42	301.070,00
120	209.755,58	627,52	1.902,48	2.530,00	207.853,10	111.453,10	192.146,90	303.600,00
121	207.853,10	621,83	1.908,17	2.530,00	205.944,93	112.074,93	194.055,07	306.130,00
122	205.944,93	616,12	1.913,88	2.530,00	204.031,05	112.691,05	195.968,95	308.660,00
123	204.031,05	610,39	1.919,61	2.530,00	202.111,44	113.301,44	197.888,56	311.190,00
124	202.111,44	604,65	1.925,35	2.530,00	200.186,09	113.906,09	199.813,91	313.720,00
125	200.186,09	598,89	1.931,11	2.530,00	198.254,98	114.504,98	201.745,02	316.250,00
126	198.254,98	593,11	1.936,89	2.530,00	196.318,09	115.098,09	203.681,91	318.780,00
127	196.318,09	587,32	1.942,68	2.530,00	194.375,41	115.685,41	205.624,59	321.310,00
128	194.375,41	581,51	1.948,49	2.530,00	192.426,92	116.266,92	207.573,08	323.840,00
129	192.426,92	575,68	1.954,32	2.530,00	190.472,60	116.842,60	209.527,40	326.370,00
130	190.472,60	569,83	1.960,17	2.530,00	188.512,43	117.412,43	211.487,57	328.900,00
131	188.512,43	563,97	1.966,03	2.530,00	186.546,39	117.976,39	213.453,61	331.430,00
132	186.546,39	558,08	1.971,92	2.530,00	184.574,48	118.534,48	215.425,52	333.960,00
133	184.574,48	552,19	1.977,81	2.530,00	182.596,66	119.086,66	217.403,34	336.490,00
134	182.596,66	546,27	1.983,73	2.530,00	180.612,93	119.632,93	219.387,07	339.020,00
135	180.612,93	540,33	1.989,67	2.530,00	178.623,26	120.173,26	221.376,74	341.550,00
136	178.623,26	534,38	1.995,62	2.530,00	176.627,65	120.707,65	223.372,35	344.080,00
137	176.627,65	528,41	2.001,59	2.530,00	174.626,06	121.236,06	225.373,94	346.610,00
138	174.626,06	522,42	2.007,58	2.530,00	172.618,48	121.758,48	227.381,52	349.140,00
139	172.618,48	516,42	2.013,58	2.530,00	170.604,90	122.274,90	229.395,10	351.670,00
140	170.604,90	510,39	2.019,61	2.530,00	168.585,29	122.785,29	231.414,71	354.200,00
141	168.585,29	504,35	2.025,65	2.530,00	166.559,64	123.289,64	233.440,36	356.730,00
142	166.559,64	498,29	2.031,71	2.530,00	164.527,93	123.787,93	235.472,07	359.260,00
143	164.527,93	492,21	2.037,79	2.530,00	162.490,14	124.280,14	237.509,86	361.790,00
144	162.490,14	486,12	2.043,88	2.530,00	160.446,26	124.766,26	239.553,74	364.320,00
145	160.446,26	480,00	2.050,00	2.530,00	158.396,26	125.246,26	241.603,74	366.850,00
146	158.396,26	473,87	2.056,13	2.530,00	156.340,13	125.720,13	243.659,87	369.380,00
147	156.340,13	467,72	2.062,28	2.530,00	154.277,85	126.187,85	245.722,15	371.910,00
148	154.277,85	461,55	2.068,45	2.530,00	152.209,40	126.649,40	247.790,60	374.440,00
149	152.209,40	455,36	2.074,64	2.530,00	150.134,76	127.104,76	249.865,24	376.970,00
150	150.134,76	449,15	2.080,85	2.530,00	148.053,91	127.553,91	251.946,09	379.500,00
151	148.053,91	442,93	2.087,07	2.530,00	145.966,84	127.996,84	254.033,16	382.030,00
152	145.966,84	436,68	2.093,32	2.530,00	143.873,52	128.433,52	256.126,48	384.560,00
153	143.873,52	430,42	2.099,58	2.530,00	141.773,94	128.863,94	258.226,06	387.090,00
154	141.773,94	424,14	2.105,86	2.530,00	139.668,08	129.288,08	260.331,92	389.620,00
155	139.668,08	417,84	2.112,16	2.530,00	137.555,92	129.705,92	262.444,08	392.150,00
156	137.555,92	411,52	2.118,48	2.530,00	135.437,45	130.117,45	264.562,55	394.680,00
157	135.437,45	405,18	2.124,82	2.530,00	133.312,63	130.522,63	266.687,37	397.210,00
158	133.312,63	398,83	2.131,17	2.530,00	131.181,46	130.921,46	268.818,54	399.740,00
159	131.181,46	392,45	2.137,55	2.530,00	129.043,91	131.313,91	270.956,09	402.270,00
160	129.043,91	386,06	2.143,94	2.530,00	126.899,96	131.699,96	273.100,04	404.800,00
161	126.899,96	379,64	2.150,36	2.530,00	124.749,61	132.079,61	275.250,39	407.330,00
162	124.749,61	373,21	2.156,79	2.530,00	122.592,81	132.452,81	277.407,19	409.860,00
163	122.592,81	366,76	2.163,24	2.530,00	120.429,57	132.819,57	279.570,43	412.390,00
164	120.429,57	360,29	2.169,71	2.530,00	118.259,86	133.179,86	281.740,14	414.920,00
165	118.259,86	353,79	2.176,21	2.530,00	116.083,65	133.533,65	283.916,35	417.450,00
166	116.083,65	347,28	2.182,72	2.530,00	113.900,93	133.880,93	286.099,07	419.980,00
167	113.900,93	340,75	2.189,25	2.530,00	111.711,69	134.221,69	288.288,31	422.510,00
168	111.711,69	334,20	2.195,80	2.530,00	109.515,89	134.555,89	290.484,11	425.040,00
169	109.515,89	327,64	2.202,36	2.530,00	107.313,53	134.883,53	292.686,47	427.570,00
170	107.313,53	321,05	2.208,95	2.530,00	105.104,57	135.204,57	294.895,43	430.100,00
171	105.104,57	314,44	2.215,56	2.530,00	102.889,01	135.519,01	297.110,99	432.630,00
172	102.889,01	307,81	2.222,19	2.530,00	100.666,82	135.826,82	299.333,18	435.160,00
173	100.666,82	301,16	2.228,84	2.530,00	98.437,98	136.127,98	301.562,02	437.690,00
174	98.437,98	294,49	2.235,51	2.530,00	96.202,48	136.422,48	303.797,52	440.220,00
175	96.202,48	287,81	2.242,19	2.530,00	93.960,28	136.710,28	306.039,72	442.750,00
176	93.960,28	281,10	2.248,90	2.530,00	91.711,38	136.991,38	308.288,62	445.280,00
177	91.711,38	274,37	2.255,63	2.530,00	89.455,75	137.265,75	310.544,25	447.810,00
178	89.455,75	267,62	2.262,38	2.530,00	87.193,37	137.533,37	312.806,63	450.340,00
179	87.193,37	260,85	2.269,15	2.530,00	84.924,23	137.794,23	315.075,77	452.870,00
180	84.924,23	254,06	2.275,94	2.530,00	82.648,29	138.048,29	317.351,71	455.400,00
181	82.648,29	247,26	2.282,74	2.530,00	80.365,55	138.295,55	319.634,45	457.930,00
182	80.365,55	240,43	2.289,57	2.530,00	78.075,97	138.535,97	321.924,03	460.460,00
183	78.075,97	233,58	2.296,42	2.530,00	75.779,55	138.769,55	324.220,45	462.990,00
184	75.779,55	226,71	2.303,29	2.530,00	73.476,26	138.996,26	326.523,74	465.520,00
185	73.476,26	219,82	2.310,18	2.530,00	71.166,07	139.216,07	328.833,93	468.050,00
186	71.166,07	212,91	2.317,09	2.530,00	68.848,98	139.428,98	331.151,02	470.580,00
187	68.848,98	205,97	2.324,03	2.530,00	66.524,95	139.634,95	333.475,05	473.110,00
188	66.524,95	199,02	2.330,98	2.530,00	64.193,97	139.833,97	335.806,03	475.640,00
189	64.193,97	192,05	2.337,95	2.530,00	61.856,02	140.026,02	338.143,98	478.170,00
190	61.856,02	185,05	2.344,95	2.530,00	59.511,07	140.211,07	340.488,93	480.700,00
191	59.511,07	178,04	2.351,96	2.530,00	57.159,11	140.389,11	342.840,89	483.230,00
192	57.159,11	171,00	2.359,00	2.530,00	54.800,11	140.560,11	345.199,89	485.760,00
193	54.800,11	163,94	2.366,06	2.530,00	52.434,05	140.724,05	347.565,95	488.290,00
194	52.434,05	156,87	2.373,13	2.530,00	50.060,92	140.880,92	349.939,08	490.820,00
195	50.060,92	149,77	2.380,23	2.530,00	47.680,69	141.030,69	352.319,31	493.350,00
196	47.680,69	142,64	2.387,36	2.530,00	45.293,33	141.173,33	354.706,67	495.880,00
197	45.293,33	135,50	2.394,50	2.530,00	42.898,83	141.308,83	357.101,17	498.410,00
198	42.898,83	128,34	2.401,66	2.530,00	40.497,17	141.437,17	359.502,83	500.940,00
199	40.497,17	121,15	2.408,85	2.530,00	38.088,33	141.558,33	361.911,67	503.470,00
200	38.088,33	113,95	2.416,05	2.530,00	35.672,27	141.672,27	364.327,73	506.000,00
201	35.672,27	106,72	2.423,28	2.530,00	33.248,99	141.778,99	366.751,01	508.530,00
202	33.248,99	99,47	2.430,53	2.530,00	30.818,46	141.878,46	369.181,54	511.060,00
203	30.818,46	92,20	2.437,80	2.530,00	28.380,66	141.970,66	371.619,34	513.590,00
204	28.380,66	84,91	2.445,09	2.530,00	25.935,57	142.055,57	374.064,43	516.120,00
205	25.935,57	77,59	2.452,41	2.530,00	23.483,16	142.133,16	376.516,84	518.650,00
206	23.483,16	70,25	2.459,75	2.530,00	21.023,41	142.203,41	378.976,59	521.180,00
207	21.023,41	62,90	2.467,10	2.530,00	18.556,31	142.266,31	381.443,69	523.710,00
208	18.556,31	55,51	2.474,49	2.530,00	16.081,82	142.321,82	383.918,18	526.240,00
209	16.081,82	48,11	2.481,89	2.530,00	13.599,93	142.369,93	386.400,07	528.770,00
210	13.599,93	40,69	2.489,31	2.530,00	11.110,62	142.410,62	388.889,38	531.300,00
211	11.110,62	33,24	2.496,76	2.530,00	8.613,86	142.443,86	391.386,14	533.830,00
212	8.613,86	25,77	2.504,23	2.530,00	6.109,63	142.469,63	393.890,37	536.360,00
213	6.109,63	18,28	2.511,72	2.530,00	3.597,91	142.487,91	396.402,09	538.890,00
214	3.597,91	10,76	2.519,24	2.530,00	1.078,67	142.498,67	398.921,33	541.420,00
215	1.078,67	3,23	1.078,67	1.078,67	1.078,67	142.501,90	400.000,00	542.501,90

creditweb Baufinanzierung

4.17/5,00

Testsieger

145.703,51€
Zinsanteil

2.563,33€
Monatsrate

3,69%
Sollzins p.a.

3,76%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 150.000,00 €;Kreditrate: 667,50 €;Gesamtbetrag: 80.100,00 €;Anzahl Kreditraten: 60;Laufzeit: 120 Monate;Effektiver Jahreszins: 3,42 %;Gebundener Sollzins: 3,34 %;

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

Baufi24 Baufinanzierung

3.62/5,00

146.976,34€
Zinsanteil

2.576,67€
Monatsrate

3,73%
Sollzins p.a.

3,82%
Effektivzins p.a.

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

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.243,33	1.333,33	2.576,67	398.666,67	1.243,33	1.333,33	2.576,67
2	398.666,67	1.239,19	1.337,48	2.576,67	397.329,19	2.482,52	2.670,81	5.153,33
3	397.329,19	1.235,03	1.341,64	2.576,67	395.987,55	3.717,55	4.012,45	7.730,00
4	395.987,55	1.230,86	1.345,81	2.576,67	394.641,75	4.948,42	5.358,25	10.306,67
5	394.641,75	1.226,68	1.349,99	2.576,67	393.291,76	6.175,09	6.708,24	12.883,33
6	393.291,76	1.222,48	1.354,18	2.576,67	391.937,58	7.397,58	8.062,42	15.460,00
7	391.937,58	1.218,27	1.358,39	2.576,67	390.579,18	8.615,85	9.420,82	18.036,67
8	390.579,18	1.214,05	1.362,62	2.576,67	389.216,56	9.829,90	10.783,44	20.613,33
9	389.216,56	1.209,81	1.366,85	2.576,67	387.849,71	11.039,71	12.150,29	23.190,00
10	387.849,71	1.205,57	1.371,10	2.576,67	386.478,61	12.245,28	13.521,39	25.766,67
11	386.478,61	1.201,30	1.375,36	2.576,67	385.103,25	13.446,58	14.896,75	28.343,33
12	385.103,25	1.197,03	1.379,64	2.576,67	383.723,61	14.643,61	16.276,39	30.920,00
13	383.723,61	1.192,74	1.383,93	2.576,67	382.339,69	15.836,35	17.660,31	33.496,67
14	382.339,69	1.188,44	1.388,23	2.576,67	380.951,46	17.024,79	19.048,54	36.073,33
15	380.951,46	1.184,12	1.392,54	2.576,67	379.558,92	18.208,92	20.441,08	38.650,00
16	379.558,92	1.179,80	1.396,87	2.576,67	378.162,05	19.388,71	21.837,95	41.226,67
17	378.162,05	1.175,45	1.401,21	2.576,67	376.760,83	20.564,17	23.239,17	43.803,33
18	376.760,83	1.171,10	1.405,57	2.576,67	375.355,26	21.735,26	24.644,74	46.380,00
19	375.355,26	1.166,73	1.409,94	2.576,67	373.945,33	22.901,99	26.054,67	48.956,67
20	373.945,33	1.162,35	1.414,32	2.576,67	372.531,01	24.064,34	27.468,99	51.533,33
21	372.531,01	1.157,95	1.418,72	2.576,67	371.112,29	25.222,29	28.887,71	54.110,00
22	371.112,29	1.153,54	1.423,13	2.576,67	369.689,17	26.375,83	30.310,83	56.686,67
23	369.689,17	1.149,12	1.427,55	2.576,67	368.261,62	27.524,95	31.738,38	59.263,33
24	368.261,62	1.144,68	1.431,99	2.576,67	366.829,63	28.669,63	33.170,37	61.840,00
25	366.829,63	1.140,23	1.436,44	2.576,67	365.393,19	29.809,86	34.606,81	64.416,67
26	365.393,19	1.135,76	1.440,90	2.576,67	363.952,29	30.945,62	36.047,71	66.993,33
27	363.952,29	1.131,29	1.445,38	2.576,67	362.506,91	32.076,91	37.493,09	69.570,00
28	362.506,91	1.126,79	1.449,87	2.576,67	361.057,03	33.203,70	38.942,97	72.146,67
29	361.057,03	1.122,29	1.454,38	2.576,67	359.602,65	34.325,98	40.397,35	74.723,33
30	359.602,65	1.117,76	1.458,90	2.576,67	358.143,75	35.443,75	41.856,25	77.300,00
31	358.143,75	1.113,23	1.463,44	2.576,67	356.680,31	36.556,98	43.319,69	79.876,67
32	356.680,31	1.108,68	1.467,99	2.576,67	355.212,33	37.665,66	44.787,67	82.453,33
33	355.212,33	1.104,12	1.472,55	2.576,67	353.739,78	38.769,78	46.260,22	85.030,00
34	353.739,78	1.099,54	1.477,13	2.576,67	352.262,65	39.869,32	47.737,35	87.606,67
35	352.262,65	1.094,95	1.481,72	2.576,67	350.780,94	40.964,27	49.219,06	90.183,33
36	350.780,94	1.090,34	1.486,32	2.576,67	349.294,61	42.054,61	50.705,39	92.760,00
37	349.294,61	1.085,72	1.490,94	2.576,67	347.803,67	43.140,34	52.196,33	95.336,67
38	347.803,67	1.081,09	1.495,58	2.576,67	346.308,09	44.221,43	53.691,91	97.913,33
39	346.308,09	1.076,44	1.500,23	2.576,67	344.807,87	45.297,87	55.192,13	100.490,00
40	344.807,87	1.071,78	1.504,89	2.576,67	343.302,98	46.369,65	56.697,02	103.066,67
41	343.302,98	1.067,10	1.509,57	2.576,67	341.793,41	47.436,75	58.206,59	105.643,33
42	341.793,41	1.062,41	1.514,26	2.576,67	340.279,15	48.499,15	59.720,85	108.220,00
43	340.279,15	1.057,70	1.518,97	2.576,67	338.760,19	49.556,86	61.239,81	110.796,67
44	338.760,19	1.052,98	1.523,69	2.576,67	337.236,50	50.609,84	62.763,50	113.373,33
45	337.236,50	1.048,24	1.528,42	2.576,67	335.708,08	51.658,08	64.291,92	115.950,00
46	335.708,08	1.043,49	1.533,17	2.576,67	334.174,90	52.701,57	65.825,10	118.526,67
47	334.174,90	1.038,73	1.537,94	2.576,67	332.636,96	53.740,30	67.363,04	121.103,33
48	332.636,96	1.033,95	1.542,72	2.576,67	331.094,24	54.774,24	68.905,76	123.680,00
49	331.094,24	1.029,15	1.547,52	2.576,67	329.546,73	55.803,40	70.453,27	126.256,67
50	329.546,73	1.024,34	1.552,33	2.576,67	327.994,40	56.827,74	72.005,60	128.833,33
51	327.994,40	1.019,52	1.557,15	2.576,67	326.437,25	57.847,25	73.562,75	131.410,00
52	326.437,25	1.014,68	1.561,99	2.576,67	324.875,26	58.861,93	75.124,74	133.986,67
53	324.875,26	1.009,82	1.566,85	2.576,67	323.308,42	59.871,75	76.691,58	136.563,33
54	323.308,42	1.004,95	1.571,72	2.576,67	321.736,70	60.876,70	78.263,30	139.140,00
55	321.736,70	1.000,06	1.576,60	2.576,67	320.160,10	61.876,76	79.839,90	141.716,67
56	320.160,10	995,16	1.581,50	2.576,67	318.578,60	62.871,93	81.421,40	144.293,33
57	318.578,60	990,25	1.586,42	2.576,67	316.992,18	63.862,18	83.007,82	146.870,00
58	316.992,18	985,32	1.591,35	2.576,67	315.400,83	64.847,49	84.599,17	149.446,67
59	315.400,83	980,37	1.596,30	2.576,67	313.804,53	65.827,87	86.195,47	152.023,33
60	313.804,53	975,41	1.601,26	2.576,67	312.203,27	66.803,27	87.796,73	154.600,00
61	312.203,27	970,43	1.606,23	2.576,67	310.597,04	67.773,71	89.402,96	157.176,67
62	310.597,04	965,44	1.611,23	2.576,67	308.985,81	68.739,15	91.014,19	159.753,33
63	308.985,81	960,43	1.616,24	2.576,67	307.369,58	69.699,58	92.630,42	162.330,00
64	307.369,58	955,41	1.621,26	2.576,67	305.748,32	70.654,98	94.251,68	164.906,67
65	305.748,32	950,37	1.626,30	2.576,67	304.122,02	71.605,35	95.877,98	167.483,33
66	304.122,02	945,31	1.631,35	2.576,67	302.490,66	72.550,66	97.509,34	170.060,00
67	302.490,66	940,24	1.636,42	2.576,67	300.854,24	73.490,91	99.145,76	172.636,67
68	300.854,24	935,16	1.641,51	2.576,67	299.212,73	74.426,06	100.787,27	175.213,33
69	299.212,73	930,05	1.646,61	2.576,67	297.566,11	75.356,11	102.433,89	177.790,00
70	297.566,11	924,93	1.651,73	2.576,67	295.914,38	76.281,05	104.085,62	180.366,67
71	295.914,38	919,80	1.656,87	2.576,67	294.257,52	77.200,85	105.742,48	182.943,33
72	294.257,52	914,65	1.662,02	2.576,67	292.595,50	78.115,50	107.404,50	185.520,00
73	292.595,50	909,48	1.667,18	2.576,67	290.928,32	79.024,98	109.071,68	188.096,67
74	290.928,32	904,30	1.672,36	2.576,67	289.255,95	79.929,29	110.744,05	190.673,33
75	289.255,95	899,10	1.677,56	2.576,67	287.578,39	80.828,39	112.421,61	193.250,00
76	287.578,39	893,89	1.682,78	2.576,67	285.895,61	81.722,28	114.104,39	195.826,67
77	285.895,61	888,66	1.688,01	2.576,67	284.207,61	82.610,94	115.792,39	198.403,33
78	284.207,61	883,41	1.693,25	2.576,67	282.514,35	83.494,35	117.485,65	200.980,00
79	282.514,35	878,15	1.698,52	2.576,67	280.815,83	84.372,50	119.184,17	203.556,67
80	280.815,83	872,87	1.703,80	2.576,67	279.112,04	85.245,37	120.887,96	206.133,33
81	279.112,04	867,57	1.709,09	2.576,67	277.402,94	86.112,94	122.597,06	208.710,00
82	277.402,94	862,26	1.714,41	2.576,67	275.688,54	86.975,20	124.311,46	211.286,67
83	275.688,54	856,93	1.719,73	2.576,67	273.968,80	87.832,13	126.031,20	213.863,33
84	273.968,80	851,59	1.725,08	2.576,67	272.243,72	88.683,72	127.756,28	216.440,00
85	272.243,72	846,22	1.730,44	2.576,67	270.513,28	89.529,94	129.486,72	219.016,67
86	270.513,28	840,85	1.735,82	2.576,67	268.777,46	90.370,79	131.222,54	221.593,33
87	268.777,46	835,45	1.741,22	2.576,67	267.036,24	91.206,24	132.963,76	224.170,00
88	267.036,24	830,04	1.746,63	2.576,67	265.289,61	92.036,28	134.710,39	226.746,67
89	265.289,61	824,61	1.752,06	2.576,67	263.537,55	92.860,89	136.462,45	229.323,33
90	263.537,55	819,16	1.757,50	2.576,67	261.780,05	93.680,05	138.219,95	231.900,00
91	261.780,05	813,70	1.762,97	2.576,67	260.017,08	94.493,75	139.982,92	234.476,67
92	260.017,08	808,22	1.768,45	2.576,67	258.248,64	95.301,97	141.751,36	237.053,33
93	258.248,64	802,72	1.773,94	2.576,67	256.474,69	96.104,69	143.525,31	239.630,00
94	256.474,69	797,21	1.779,46	2.576,67	254.695,23	96.901,90	145.304,77	242.206,67
95	254.695,23	791,68	1.784,99	2.576,67	252.910,24	97.693,58	147.089,76	244.783,33
96	252.910,24	786,13	1.790,54	2.576,67	251.119,71	98.479,71	148.880,29	247.360,00
97	251.119,71	780,56	1.796,10	2.576,67	249.323,60	99.260,27	150.676,40	249.936,67
98	249.323,60	774,98	1.801,69	2.576,67	247.521,92	100.035,25	152.478,08	252.513,33
99	247.521,92	769,38	1.807,29	2.576,67	245.714,63	100.804,63	154.285,37	255.090,00
100	245.714,63	763,76	1.812,90	2.576,67	243.901,73	101.568,40	156.098,27	257.666,67
101	243.901,73	758,13	1.818,54	2.576,67	242.083,19	102.326,52	157.916,81	260.243,33
102	242.083,19	752,48	1.824,19	2.576,67	240.259,00	103.079,00	159.741,00	262.820,00
103	240.259,00	746,81	1.829,86	2.576,67	238.429,14	103.825,80	161.570,86	265.396,67
104	238.429,14	741,12	1.835,55	2.576,67	236.593,59	104.566,92	163.406,41	267.973,33
105	236.593,59	735,41	1.841,25	2.576,67	234.752,33	105.302,33	165.247,67	270.550,00
106	234.752,33	729,69	1.846,98	2.576,67	232.905,35	106.032,02	167.094,65	273.126,67
107	232.905,35	723,95	1.852,72	2.576,67	231.052,64	106.755,97	168.947,36	275.703,33
108	231.052,64	718,19	1.858,48	2.576,67	229.194,16	107.474,16	170.805,84	278.280,00
109	229.194,16	712,41	1.864,25	2.576,67	227.329,90	108.186,57	172.670,10	280.856,67
110	227.329,90	706,62	1.870,05	2.576,67	225.459,85	108.893,19	174.540,15	283.433,33
111	225.459,85	700,80	1.875,86	2.576,67	223.583,99	109.593,99	176.416,01	286.010,00
112	223.583,99	694,97	1.881,69	2.576,67	221.702,30	110.288,96	178.297,70	288.586,67
113	221.702,30	689,12	1.887,54	2.576,67	219.814,76	110.978,09	180.185,24	291.163,33
114	219.814,76	683,26	1.893,41	2.576,67	217.921,35	111.661,35	182.078,65	293.740,00
115	217.921,35	677,37	1.899,29	2.576,67	216.022,05	112.338,72	183.977,95	296.316,67
116	216.022,05	671,47	1.905,20	2.576,67	214.116,85	113.010,19	185.883,15	298.893,33
117	214.116,85	665,55	1.911,12	2.576,67	212.205,73	113.675,73	187.794,27	301.470,00
118	212.205,73	659,61	1.917,06	2.576,67	210.288,67	114.335,34	189.711,33	304.046,67
119	210.288,67	653,65	1.923,02	2.576,67	208.365,65	114.988,99	191.634,35	306.623,33
120	208.365,65	647,67	1.929,00	2.576,67	206.436,66	115.636,66	193.563,34	309.200,00
121	206.436,66	641,67	1.934,99	2.576,67	204.501,66	116.278,33	195.498,34	311.776,67
122	204.501,66	635,66	1.941,01	2.576,67	202.560,66	116.913,99	197.439,34	314.353,33
123	202.560,66	629,63	1.947,04	2.576,67	200.613,62	117.543,62	199.386,38	316.930,00
124	200.613,62	623,57	1.953,09	2.576,67	198.660,52	118.167,19	201.339,48	319.506,67
125	198.660,52	617,50	1.959,16	2.576,67	196.701,36	118.784,69	203.298,64	322.083,33
126	196.701,36	611,41	1.965,25	2.576,67	194.736,11	119.396,11	205.263,89	324.660,00
127	194.736,11	605,30	1.971,36	2.576,67	192.764,74	120.001,41	207.235,26	327.236,67
128	192.764,74	599,18	1.977,49	2.576,67	190.787,26	120.600,59	209.212,74	329.813,33
129	190.787,26	593,03	1.983,64	2.576,67	188.803,62	121.193,62	211.196,38	332.390,00
130	188.803,62	586,86	1.989,80	2.576,67	186.813,82	121.780,48	213.186,18	334.966,67
131	186.813,82	580,68	1.995,99	2.576,67	184.817,83	122.361,16	215.182,17	337.543,33
132	184.817,83	574,48	2.002,19	2.576,67	182.815,64	122.935,64	217.184,36	340.120,00
133	182.815,64	568,25	2.008,41	2.576,67	180.807,22	123.503,89	219.192,78	342.696,67
134	180.807,22	562,01	2.014,66	2.576,67	178.792,57	124.065,90	221.207,43	345.273,33
135	178.792,57	555,75	2.020,92	2.576,67	176.771,65	124.621,65	223.228,35	347.850,00
136	176.771,65	549,47	2.027,20	2.576,67	174.744,44	125.171,11	225.255,56	350.426,67
137	174.744,44	543,16	2.033,50	2.576,67	172.710,94	125.714,28	227.289,06	353.003,33
138	172.710,94	536,84	2.039,82	2.576,67	170.671,12	126.251,12	229.328,88	355.580,00
139	170.671,12	530,50	2.046,16	2.576,67	168.624,95	126.781,62	231.375,05	358.156,67
140	168.624,95	524,14	2.052,52	2.576,67	166.572,43	127.305,76	233.427,57	360.733,33
141	166.572,43	517,76	2.058,90	2.576,67	164.513,53	127.823,53	235.486,47	363.310,00
142	164.513,53	511,36	2.065,30	2.576,67	162.448,22	128.334,89	237.551,78	365.886,67
143	162.448,22	504,94	2.071,72	2.576,67	160.376,50	128.839,83	239.623,50	368.463,33
144	160.376,50	498,50	2.078,16	2.576,67	158.298,34	129.338,34	241.701,66	371.040,00
145	158.298,34	492,04	2.084,62	2.576,67	156.213,71	129.830,38	243.786,29	373.616,67
146	156.213,71	485,56	2.091,10	2.576,67	154.122,61	130.315,94	245.877,39	376.193,33
147	154.122,61	479,06	2.097,60	2.576,67	152.025,01	130.795,01	247.974,99	378.770,00
148	152.025,01	472,54	2.104,12	2.576,67	149.920,89	131.267,55	250.079,11	381.346,67
149	149.920,89	466,00	2.110,66	2.576,67	147.810,22	131.733,56	252.189,78	383.923,33
150	147.810,22	459,44	2.117,22	2.576,67	145.693,00	132.193,00	254.307,00	386.500,00
151	145.693,00	452,86	2.123,80	2.576,67	143.569,20	132.645,86	256.430,80	389.076,67
152	143.569,20	446,26	2.130,41	2.576,67	141.438,79	133.092,12	258.561,21	391.653,33
153	141.438,79	439,64	2.137,03	2.576,67	139.301,76	133.531,76	260.698,24	394.230,00
154	139.301,76	433,00	2.143,67	2.576,67	137.158,09	133.964,76	262.841,91	396.806,67
155	137.158,09	426,33	2.150,33	2.576,67	135.007,76	134.391,09	264.992,24	399.383,33
156	135.007,76	419,65	2.157,02	2.576,67	132.850,74	134.810,74	267.149,26	401.960,00
157	132.850,74	412,94	2.163,72	2.576,67	130.687,02	135.223,69	269.312,98	404.536,67
158	130.687,02	406,22	2.170,45	2.576,67	128.516,57	135.629,91	271.483,43	407.113,33
159	128.516,57	399,47	2.177,19	2.576,67	126.339,38	136.029,38	273.660,62	409.690,00
160	126.339,38	392,70	2.183,96	2.576,67	124.155,42	136.422,08	275.844,58	412.266,67
161	124.155,42	385,92	2.190,75	2.576,67	121.964,67	136.808,00	278.035,33	414.843,33
162	121.964,67	379,11	2.197,56	2.576,67	119.767,11	137.187,11	280.232,89	417.420,00
163	119.767,11	372,28	2.204,39	2.576,67	117.562,72	137.559,38	282.437,28	419.996,67
164	117.562,72	365,42	2.211,24	2.576,67	115.351,47	137.924,81	284.648,53	422.573,33
165	115.351,47	358,55	2.218,12	2.576,67	113.133,36	138.283,36	286.866,64	425.150,00
166	113.133,36	351,66	2.225,01	2.576,67	110.908,35	138.635,01	289.091,65	427.726,67
167	110.908,35	344,74	2.231,93	2.576,67	108.676,42	138.979,75	291.323,58	430.303,33
168	108.676,42	337,80	2.238,86	2.576,67	106.437,56	139.317,56	293.562,44	432.880,00
169	106.437,56	330,84	2.245,82	2.576,67	104.191,73	139.648,40	295.808,27	435.456,67
170	104.191,73	323,86	2.252,80	2.576,67	101.938,93	139.972,26	298.061,07	438.033,33
171	101.938,93	316,86	2.259,81	2.576,67	99.679,12	140.289,12	300.320,88	440.610,00
172	99.679,12	309,84	2.266,83	2.576,67	97.412,29	140.598,96	302.587,71	443.186,67
173	97.412,29	302,79	2.273,88	2.576,67	95.138,41	140.901,75	304.861,59	445.763,33
174	95.138,41	295,72	2.280,94	2.576,67	92.857,47	141.197,47	307.142,53	448.340,00
175	92.857,47	288,63	2.288,03	2.576,67	90.569,43	141.486,10	309.430,57	450.916,67
176	90.569,43	281,52	2.295,15	2.576,67	88.274,29	141.767,62	311.725,71	453.493,33
177	88.274,29	274,39	2.302,28	2.576,67	85.972,01	142.042,01	314.027,99	456.070,00
178	85.972,01	267,23	2.309,44	2.576,67	83.662,57	142.309,24	316.337,43	458.646,67
179	83.662,57	260,05	2.316,62	2.576,67	81.345,95	142.569,29	318.654,05	461.223,33
180	81.345,95	252,85	2.323,82	2.576,67	79.022,14	142.822,14	320.977,86	463.800,00
181	79.022,14	245,63	2.331,04	2.576,67	76.691,10	143.067,77	323.308,90	466.376,67
182	76.691,10	238,38	2.338,29	2.576,67	74.352,81	143.306,15	325.647,19	468.953,33
183	74.352,81	231,11	2.345,55	2.576,67	72.007,26	143.537,26	327.992,74	471.530,00
184	72.007,26	223,82	2.352,84	2.576,67	69.654,42	143.761,08	330.345,58	474.106,67
185	69.654,42	216,51	2.360,16	2.576,67	67.294,26	143.977,59	332.705,74	476.683,33
186	67.294,26	209,17	2.367,49	2.576,67	64.926,77	144.186,77	335.073,23	479.260,00
187	64.926,77	201,81	2.374,85	2.576,67	62.551,91	144.388,58	337.448,09	481.836,67
188	62.551,91	194,43	2.382,23	2.576,67	60.169,68	144.583,01	339.830,32	484.413,33
189	60.169,68	187,03	2.389,64	2.576,67	57.780,04	144.770,04	342.219,96	486.990,00
190	57.780,04	179,60	2.397,07	2.576,67	55.382,97	144.949,64	344.617,03	489.566,67
191	55.382,97	172,15	2.404,52	2.576,67	52.978,45	145.121,79	347.021,55	492.143,33
192	52.978,45	164,67	2.411,99	2.576,67	50.566,46	145.286,46	349.433,54	494.720,00
193	50.566,46	157,18	2.419,49	2.576,67	48.146,97	145.443,64	351.853,03	497.296,67
194	48.146,97	149,66	2.427,01	2.576,67	45.719,96	145.593,30	354.280,04	499.873,33
195	45.719,96	142,11	2.434,55	2.576,67	43.285,41	145.735,41	356.714,59	502.450,00
196	43.285,41	134,55	2.442,12	2.576,67	40.843,29	145.869,95	359.156,71	505.026,67
197	40.843,29	126,95	2.449,71	2.576,67	38.393,58	145.996,91	361.606,42	507.603,33
198	38.393,58	119,34	2.457,33	2.576,67	35.936,25	146.116,25	364.063,75	510.180,00
199	35.936,25	111,70	2.464,96	2.576,67	33.471,28	146.227,95	366.528,72	512.756,67
200	33.471,28	104,04	2.472,63	2.576,67	30.998,66	146.331,99	369.001,34	515.333,33
201	30.998,66	96,35	2.480,31	2.576,67	28.518,34	146.428,34	371.481,66	517.910,00
202	28.518,34	88,64	2.488,02	2.576,67	26.030,32	146.516,99	373.969,68	520.486,67
203	26.030,32	80,91	2.495,76	2.576,67	23.534,57	146.597,90	376.465,43	523.063,33
204	23.534,57	73,15	2.503,51	2.576,67	21.031,05	146.671,05	378.968,95	525.640,00
205	21.031,05	65,37	2.511,30	2.576,67	18.519,76	146.736,43	381.480,24	528.216,67
206	18.519,76	57,57	2.519,10	2.576,67	16.000,66	146.793,99	383.999,34	530.793,33
207	16.000,66	49,74	2.526,93	2.576,67	13.473,73	146.843,73	386.526,27	533.370,00
208	13.473,73	41,88	2.534,79	2.576,67	10.938,94	146.885,61	389.061,06	535.946,67
209	10.938,94	34,00	2.542,66	2.576,67	8.396,28	146.919,61	391.603,72	538.523,33
210	8.396,28	26,10	2.550,57	2.576,67	5.845,71	146.945,71	394.154,29	541.100,00
211	5.845,71	18,17	2.558,50	2.576,67	3.287,21	146.963,88	396.712,79	543.676,67
212	3.287,21	10,22	2.566,45	2.576,67	720,76	146.974,10	399.279,24	546.253,33
213	720,76	2,24	720,76	720,76	720,76	146.976,34	400.000,00	546.976,34

Dr. Klein Baufinanzierung

3.80/5,00

148.876,17€
Zinsanteil

2.596,67€
Monatsrate

3,79%
Sollzins p.a.

3,88%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 1.772,50 €;Gesamtbetrag: 319.050,00 €;Anzahl Kreditraten: 180;Laufzeit: 180 Monate;Effektiver Jahreszins: 4,19 %;Gebundener Sollzins: 4,09 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.263,33	1.333,33	2.596,67	398.666,67	1.263,33	1.333,33	2.596,67
2	398.666,67	1.259,12	1.337,54	2.596,67	397.329,12	2.522,46	2.670,88	5.193,33
3	397.329,12	1.254,90	1.341,77	2.596,67	395.987,35	3.777,35	4.012,65	7.790,00
4	395.987,35	1.250,66	1.346,01	2.596,67	394.641,35	5.028,01	5.358,65	10.386,67
5	394.641,35	1.246,41	1.350,26	2.596,67	393.291,09	6.274,42	6.708,91	12.983,33
6	393.291,09	1.242,14	1.354,52	2.596,67	391.936,57	7.516,57	8.063,43	15.580,00
7	391.936,57	1.237,87	1.358,80	2.596,67	390.577,77	8.754,43	9.422,23	18.176,67
8	390.577,77	1.233,57	1.363,09	2.596,67	389.214,67	9.988,01	10.785,33	20.773,33
9	389.214,67	1.229,27	1.367,40	2.596,67	387.847,28	11.217,28	12.152,72	23.370,00
10	387.847,28	1.224,95	1.371,72	2.596,67	386.475,56	12.442,23	13.524,44	25.966,67
11	386.475,56	1.220,62	1.376,05	2.596,67	385.099,51	13.662,85	14.900,49	28.563,33
12	385.099,51	1.216,27	1.380,39	2.596,67	383.719,12	14.879,12	16.280,88	31.160,00
13	383.719,12	1.211,91	1.384,75	2.596,67	382.334,37	16.091,03	17.665,63	33.756,67
14	382.334,37	1.207,54	1.389,13	2.596,67	380.945,24	17.298,57	19.054,76	36.353,33
15	380.945,24	1.203,15	1.393,51	2.596,67	379.551,72	18.501,72	20.448,28	38.950,00
16	379.551,72	1.198,75	1.397,92	2.596,67	378.153,81	19.700,47	21.846,19	41.546,67
17	378.153,81	1.194,34	1.402,33	2.596,67	376.751,48	20.894,81	23.248,52	44.143,33
18	376.751,48	1.189,91	1.406,76	2.596,67	375.344,72	22.084,72	24.655,28	46.740,00
19	375.344,72	1.185,46	1.411,20	2.596,67	373.933,51	23.270,18	26.066,49	49.336,67
20	373.933,51	1.181,01	1.415,66	2.596,67	372.517,85	24.451,19	27.482,15	51.933,33
21	372.517,85	1.176,54	1.420,13	2.596,67	371.097,72	25.627,72	28.902,28	54.530,00
22	371.097,72	1.172,05	1.424,62	2.596,67	369.673,11	26.799,77	30.326,89	57.126,67
23	369.673,11	1.167,55	1.429,12	2.596,67	368.243,99	27.967,32	31.756,01	59.723,33
24	368.243,99	1.163,04	1.433,63	2.596,67	366.810,36	29.130,36	33.189,64	62.320,00
25	366.810,36	1.158,51	1.438,16	2.596,67	365.372,20	30.288,87	34.627,80	64.916,67
26	365.372,20	1.153,97	1.442,70	2.596,67	363.929,51	31.442,84	36.070,49	67.513,33
27	363.929,51	1.149,41	1.447,26	2.596,67	362.482,25	32.592,25	37.517,75	70.110,00
28	362.482,25	1.144,84	1.451,83	2.596,67	361.030,42	33.737,09	38.969,58	72.706,67
29	361.030,42	1.140,25	1.456,41	2.596,67	359.574,01	34.877,34	40.425,99	75.303,33
30	359.574,01	1.135,65	1.461,01	2.596,67	358.113,00	36.013,00	41.887,00	77.900,00
31	358.113,00	1.131,04	1.465,63	2.596,67	356.647,37	37.144,04	43.352,63	80.496,67
32	356.647,37	1.126,41	1.470,26	2.596,67	355.177,12	38.270,45	44.822,88	83.093,33
33	355.177,12	1.121,77	1.474,90	2.596,67	353.702,22	39.392,22	46.297,78	85.690,00
34	353.702,22	1.117,11	1.479,56	2.596,67	352.222,66	40.509,33	47.777,34	88.286,67
35	352.222,66	1.112,44	1.484,23	2.596,67	350.738,43	41.621,76	49.261,57	90.883,33
36	350.738,43	1.107,75	1.488,92	2.596,67	349.249,51	42.729,51	50.750,49	93.480,00
37	349.249,51	1.103,05	1.493,62	2.596,67	347.755,89	43.832,56	52.244,11	96.076,67
38	347.755,89	1.098,33	1.498,34	2.596,67	346.257,55	44.930,89	53.742,45	98.673,33
39	346.257,55	1.093,60	1.503,07	2.596,67	344.754,48	46.024,48	55.245,52	101.270,00
40	344.754,48	1.088,85	1.507,82	2.596,67	343.246,67	47.113,33	56.753,33	103.866,67
41	343.246,67	1.084,09	1.512,58	2.596,67	341.734,09	48.197,42	58.265,91	106.463,33
42	341.734,09	1.079,31	1.517,36	2.596,67	340.216,73	49.276,73	59.783,27	109.060,00
43	340.216,73	1.074,52	1.522,15	2.596,67	338.694,58	50.351,25	61.305,42	111.656,67
44	338.694,58	1.069,71	1.526,96	2.596,67	337.167,63	51.420,96	62.832,37	114.253,33
45	337.167,63	1.064,89	1.531,78	2.596,67	335.635,85	52.485,85	64.364,15	116.850,00
46	335.635,85	1.060,05	1.536,62	2.596,67	334.099,23	53.545,90	65.900,77	119.446,67
47	334.099,23	1.055,20	1.541,47	2.596,67	332.557,76	54.601,09	67.442,24	122.043,33
48	332.557,76	1.050,33	1.546,34	2.596,67	331.011,42	55.651,42	68.988,58	124.640,00
49	331.011,42	1.045,44	1.551,22	2.596,67	329.460,20	56.696,87	70.539,80	127.236,67
50	329.460,20	1.040,55	1.556,12	2.596,67	327.904,08	57.737,41	72.095,92	129.833,33
51	327.904,08	1.035,63	1.561,04	2.596,67	326.343,04	58.773,04	73.656,96	132.430,00
52	326.343,04	1.030,70	1.565,97	2.596,67	324.777,08	59.803,74	75.222,92	135.026,67
53	324.777,08	1.025,75	1.570,91	2.596,67	323.206,16	60.829,50	76.793,84	137.623,33
54	323.206,16	1.020,79	1.575,87	2.596,67	321.630,29	61.850,29	78.369,71	140.220,00
55	321.630,29	1.015,82	1.580,85	2.596,67	320.049,44	62.866,11	79.950,56	142.816,67
56	320.049,44	1.010,82	1.585,84	2.596,67	318.463,59	63.876,93	81.536,41	145.413,33
57	318.463,59	1.005,81	1.590,85	2.596,67	316.872,74	64.882,74	83.127,26	148.010,00
58	316.872,74	1.000,79	1.595,88	2.596,67	315.276,87	65.883,53	84.723,13	150.606,67
59	315.276,87	995,75	1.600,92	2.596,67	313.675,95	66.879,28	86.324,05	153.203,33
60	313.675,95	990,69	1.605,97	2.596,67	312.069,97	67.869,97	87.930,03	155.800,00
61	312.069,97	985,62	1.611,05	2.596,67	310.458,93	68.855,60	89.541,07	158.396,67
62	310.458,93	980,53	1.616,13	2.596,67	308.842,79	69.836,13	91.157,21	160.993,33
63	308.842,79	975,43	1.621,24	2.596,67	307.221,56	70.811,56	92.778,44	163.590,00
64	307.221,56	970,31	1.626,36	2.596,67	305.595,20	71.781,86	94.404,80	166.186,67
65	305.595,20	965,17	1.631,50	2.596,67	303.963,70	72.747,04	96.036,30	168.783,33
66	303.963,70	960,02	1.636,65	2.596,67	302.327,05	73.707,05	97.672,95	171.380,00
67	302.327,05	954,85	1.641,82	2.596,67	300.685,24	74.661,90	99.314,76	173.976,67
68	300.685,24	949,66	1.647,00	2.596,67	299.038,24	75.611,57	100.961,76	176.573,33
69	299.038,24	944,46	1.652,20	2.596,67	297.386,03	76.556,03	102.613,97	179.170,00
70	297.386,03	939,24	1.657,42	2.596,67	295.728,61	77.495,28	104.271,39	181.766,67
71	295.728,61	934,01	1.662,66	2.596,67	294.065,95	78.429,28	105.934,05	184.363,33
72	294.065,95	928,76	1.667,91	2.596,67	292.398,04	79.358,04	107.601,96	186.960,00
73	292.398,04	923,49	1.673,18	2.596,67	290.724,87	80.281,53	109.275,13	189.556,67
74	290.724,87	918,21	1.678,46	2.596,67	289.046,41	81.199,74	110.953,59	192.153,33
75	289.046,41	912,90	1.683,76	2.596,67	287.362,64	82.112,64	112.637,36	194.750,00
76	287.362,64	907,59	1.689,08	2.596,67	285.673,57	83.020,23	114.326,43	197.346,67
77	285.673,57	902,25	1.694,41	2.596,67	283.979,15	83.922,48	116.020,85	199.943,33
78	283.979,15	896,90	1.699,77	2.596,67	282.279,38	84.819,38	117.720,62	202.540,00
79	282.279,38	891,53	1.705,13	2.596,67	280.574,25	85.710,92	119.425,75	205.136,67
80	280.574,25	886,15	1.710,52	2.596,67	278.863,73	86.597,06	121.136,27	207.733,33
81	278.863,73	880,74	1.715,92	2.596,67	277.147,81	87.477,81	122.852,19	210.330,00
82	277.147,81	875,33	1.721,34	2.596,67	275.426,47	88.353,13	124.573,53	212.926,67
83	275.426,47	869,89	1.726,78	2.596,67	273.699,69	89.223,02	126.300,31	215.523,33
84	273.699,69	864,43	1.732,23	2.596,67	271.967,46	90.087,46	128.032,54	218.120,00
85	271.967,46	858,96	1.737,70	2.596,67	270.229,75	90.946,42	129.770,25	220.716,67
86	270.229,75	853,48	1.743,19	2.596,67	268.486,56	91.799,90	131.513,44	223.313,33
87	268.486,56	847,97	1.748,70	2.596,67	266.737,87	92.647,87	133.262,13	225.910,00
88	266.737,87	842,45	1.754,22	2.596,67	264.983,65	93.490,31	135.016,35	228.506,67
89	264.983,65	836,91	1.759,76	2.596,67	263.223,89	94.327,22	136.776,11	231.103,33
90	263.223,89	831,35	1.765,32	2.596,67	261.458,57	95.158,57	138.541,43	233.700,00
91	261.458,57	825,77	1.770,89	2.596,67	259.687,68	95.984,34	140.312,32	236.296,67
92	259.687,68	820,18	1.776,49	2.596,67	257.911,19	96.804,52	142.088,81	238.893,33
93	257.911,19	814,57	1.782,10	2.596,67	256.129,09	97.619,09	143.870,91	241.490,00
94	256.129,09	808,94	1.787,73	2.596,67	254.341,37	98.428,03	145.658,63	244.086,67
95	254.341,37	803,29	1.793,37	2.596,67	252.548,00	99.231,33	147.452,00	246.683,33
96	252.548,00	797,63	1.799,04	2.596,67	250.748,96	100.028,96	149.251,04	249.280,00
97	250.748,96	791,95	1.804,72	2.596,67	248.944,24	100.820,91	151.055,76	251.876,67
98	248.944,24	786,25	1.810,42	2.596,67	247.133,82	101.607,16	152.866,18	254.473,33
99	247.133,82	780,53	1.816,14	2.596,67	245.317,69	102.387,69	154.682,31	257.070,00
100	245.317,69	774,80	1.821,87	2.596,67	243.495,82	103.162,48	156.504,18	259.666,67
101	243.495,82	769,04	1.827,63	2.596,67	241.668,19	103.931,52	158.331,81	262.263,33
102	241.668,19	763,27	1.833,40	2.596,67	239.834,79	104.694,79	160.165,21	264.860,00
103	239.834,79	757,48	1.839,19	2.596,67	237.995,60	105.452,27	162.004,40	267.456,67
104	237.995,60	751,67	1.845,00	2.596,67	236.150,61	106.203,94	163.849,39	270.053,33
105	236.150,61	745,84	1.850,82	2.596,67	234.299,78	106.949,78	165.700,22	272.650,00
106	234.299,78	740,00	1.856,67	2.596,67	232.443,11	107.689,78	167.556,89	275.246,67
107	232.443,11	734,13	1.862,53	2.596,67	230.580,58	108.423,91	169.419,42	277.843,33
108	230.580,58	728,25	1.868,42	2.596,67	228.712,16	109.152,16	171.287,84	280.440,00
109	228.712,16	722,35	1.874,32	2.596,67	226.837,85	109.874,51	173.162,15	283.036,67
110	226.837,85	716,43	1.880,24	2.596,67	224.957,61	110.590,94	175.042,39	285.633,33
111	224.957,61	710,49	1.886,18	2.596,67	223.071,43	111.301,43	176.928,57	288.230,00
112	223.071,43	704,53	1.892,13	2.596,67	221.179,30	112.005,97	178.820,70	290.826,67
113	221.179,30	698,56	1.898,11	2.596,67	219.281,19	112.704,52	180.718,81	293.423,33
114	219.281,19	692,56	1.904,10	2.596,67	217.377,09	113.397,09	182.622,91	296.020,00
115	217.377,09	686,55	1.910,12	2.596,67	215.466,97	114.083,64	184.533,03	298.616,67
116	215.466,97	680,52	1.916,15	2.596,67	213.550,82	114.764,15	186.449,18	301.213,33
117	213.550,82	674,46	1.922,20	2.596,67	211.628,62	115.438,62	188.371,38	303.810,00
118	211.628,62	668,39	1.928,27	2.596,67	209.700,35	116.107,01	190.299,65	306.406,67
119	209.700,35	662,30	1.934,36	2.596,67	207.765,98	116.769,32	192.234,02	309.003,33
120	207.765,98	656,19	1.940,47	2.596,67	205.825,51	117.425,51	194.174,49	311.600,00
121	205.825,51	650,07	1.946,60	2.596,67	203.878,91	118.075,58	196.121,09	314.196,67
122	203.878,91	643,92	1.952,75	2.596,67	201.926,16	118.719,49	198.073,84	316.793,33
123	201.926,16	637,75	1.958,92	2.596,67	199.967,24	119.357,24	200.032,76	319.390,00
124	199.967,24	631,56	1.965,10	2.596,67	198.002,14	119.988,81	201.997,86	321.986,67
125	198.002,14	625,36	1.971,31	2.596,67	196.030,83	120.614,16	203.969,17	324.583,33
126	196.030,83	619,13	1.977,54	2.596,67	194.053,29	121.233,29	205.946,71	327.180,00
127	194.053,29	612,88	1.983,78	2.596,67	192.069,51	121.846,18	207.930,49	329.776,67
128	192.069,51	606,62	1.990,05	2.596,67	190.079,46	122.452,80	209.920,54	332.373,33
129	190.079,46	600,33	1.996,33	2.596,67	188.083,13	123.053,13	211.916,87	334.970,00
130	188.083,13	594,03	2.002,64	2.596,67	186.080,49	123.647,16	213.919,51	337.566,67
131	186.080,49	587,70	2.008,96	2.596,67	184.071,53	124.234,87	215.928,47	340.163,33
132	184.071,53	581,36	2.015,31	2.596,67	182.056,23	124.816,23	217.943,77	342.760,00
133	182.056,23	574,99	2.021,67	2.596,67	180.034,55	125.391,22	219.965,45	345.356,67
134	180.034,55	568,61	2.028,06	2.596,67	178.006,50	125.959,83	221.993,50	347.953,33
135	178.006,50	562,20	2.034,46	2.596,67	175.972,03	126.522,03	224.027,97	350.550,00
136	175.972,03	555,78	2.040,89	2.596,67	173.931,14	127.077,81	226.068,86	353.146,67
137	173.931,14	549,33	2.047,33	2.596,67	171.883,81	127.627,14	228.116,19	355.743,33
138	171.883,81	542,87	2.053,80	2.596,67	169.830,01	128.170,01	230.169,99	358.340,00
139	169.830,01	536,38	2.060,29	2.596,67	167.769,72	128.706,39	232.230,28	360.936,67
140	167.769,72	529,87	2.066,79	2.596,67	165.702,93	129.236,26	234.297,07	363.533,33
141	165.702,93	523,35	2.073,32	2.596,67	163.629,61	129.759,61	236.370,39	366.130,00
142	163.629,61	516,80	2.079,87	2.596,67	161.549,74	130.276,40	238.450,26	368.726,67
143	161.549,74	510,23	2.086,44	2.596,67	159.463,30	130.786,63	240.536,70	371.323,33
144	159.463,30	503,64	2.093,03	2.596,67	157.370,27	131.290,27	242.629,73	373.920,00
145	157.370,27	497,03	2.099,64	2.596,67	155.270,63	131.787,30	244.729,37	376.516,67
146	155.270,63	490,40	2.106,27	2.596,67	153.164,36	132.277,69	246.835,64	379.113,33
147	153.164,36	483,74	2.112,92	2.596,67	151.051,44	132.761,44	248.948,56	381.710,00
148	151.051,44	477,07	2.119,60	2.596,67	148.931,84	133.238,51	251.068,16	384.306,67
149	148.931,84	470,38	2.126,29	2.596,67	146.805,55	133.708,89	253.194,45	386.903,33
150	146.805,55	463,66	2.133,01	2.596,67	144.672,55	134.172,55	255.327,45	389.500,00
151	144.672,55	456,92	2.139,74	2.596,67	142.532,80	134.629,47	257.467,20	392.096,67
152	142.532,80	450,17	2.146,50	2.596,67	140.386,30	135.079,64	259.613,70	394.693,33
153	140.386,30	443,39	2.153,28	2.596,67	138.233,02	135.523,02	261.766,98	397.290,00
154	138.233,02	436,59	2.160,08	2.596,67	136.072,94	135.959,61	263.927,06	399.886,67
155	136.072,94	429,76	2.166,90	2.596,67	133.906,04	136.389,37	266.093,96	402.483,33
156	133.906,04	422,92	2.173,75	2.596,67	131.732,29	136.812,29	268.267,71	405.080,00
157	131.732,29	416,05	2.180,61	2.596,67	129.551,68	137.228,35	270.448,32	407.676,67
158	129.551,68	409,17	2.187,50	2.596,67	127.364,18	137.637,51	272.635,82	410.273,33
159	127.364,18	402,26	2.194,41	2.596,67	125.169,77	138.039,77	274.830,23	412.870,00
160	125.169,77	395,33	2.201,34	2.596,67	122.968,43	138.435,10	277.031,57	415.466,67
161	122.968,43	388,38	2.208,29	2.596,67	120.760,14	138.823,48	279.239,86	418.063,33
162	120.760,14	381,40	2.215,27	2.596,67	118.544,88	139.204,88	281.455,12	420.660,00
163	118.544,88	374,40	2.222,26	2.596,67	116.322,61	139.579,28	283.677,39	423.256,67
164	116.322,61	367,39	2.229,28	2.596,67	114.093,33	139.946,67	285.906,67	425.853,33
165	114.093,33	360,34	2.236,32	2.596,67	111.857,01	140.307,01	288.142,99	428.450,00
166	111.857,01	353,28	2.243,38	2.596,67	109.613,63	140.660,29	290.386,37	431.046,67
167	109.613,63	346,20	2.250,47	2.596,67	107.363,16	141.006,49	292.636,84	433.643,33
168	107.363,16	339,09	2.257,58	2.596,67	105.105,58	141.345,58	294.894,42	436.240,00
169	105.105,58	331,96	2.264,71	2.596,67	102.840,87	141.677,54	297.159,13	438.836,67
170	102.840,87	324,81	2.271,86	2.596,67	100.569,01	142.002,34	299.430,99	441.433,33
171	100.569,01	317,63	2.279,04	2.596,67	98.289,97	142.319,97	301.710,03	444.030,00
172	98.289,97	310,43	2.286,23	2.596,67	96.003,74	142.630,41	303.996,26	446.626,67
173	96.003,74	303,21	2.293,45	2.596,67	93.710,28	142.933,62	306.289,72	449.223,33
174	93.710,28	295,97	2.300,70	2.596,67	91.409,59	143.229,59	308.590,41	451.820,00
175	91.409,59	288,70	2.307,96	2.596,67	89.101,62	143.518,29	310.898,38	454.416,67
176	89.101,62	281,41	2.315,25	2.596,67	86.786,37	143.799,70	313.213,63	457.013,33
177	86.786,37	274,10	2.322,57	2.596,67	84.463,80	144.073,80	315.536,20	459.610,00
178	84.463,80	266,76	2.329,90	2.596,67	82.133,90	144.340,57	317.866,10	462.206,67
179	82.133,90	259,41	2.337,26	2.596,67	79.796,64	144.599,97	320.203,36	464.803,33
180	79.796,64	252,02	2.344,64	2.596,67	77.452,00	144.852,00	322.548,00	467.400,00
181	77.452,00	244,62	2.352,05	2.596,67	75.099,95	145.096,62	324.900,05	469.996,67
182	75.099,95	237,19	2.359,48	2.596,67	72.740,47	145.333,81	327.259,53	472.593,33
183	72.740,47	229,74	2.366,93	2.596,67	70.373,54	145.563,54	329.626,46	475.190,00
184	70.373,54	222,26	2.374,40	2.596,67	67.999,14	145.785,81	332.000,86	477.786,67
185	67.999,14	214,76	2.381,90	2.596,67	65.617,24	146.000,57	334.382,76	480.383,33
186	65.617,24	207,24	2.389,43	2.596,67	63.227,81	146.207,81	336.772,19	482.980,00
187	63.227,81	199,69	2.396,97	2.596,67	60.830,84	146.407,51	339.169,16	485.576,67
188	60.830,84	192,12	2.404,54	2.596,67	58.426,30	146.599,63	341.573,70	488.173,33
189	58.426,30	184,53	2.412,14	2.596,67	56.014,16	146.784,16	343.985,84	490.770,00
190	56.014,16	176,91	2.419,76	2.596,67	53.594,41	146.961,07	346.405,59	493.366,67
191	53.594,41	169,27	2.427,40	2.596,67	51.167,01	147.130,34	348.832,99	495.963,33
192	51.167,01	161,60	2.435,06	2.596,67	48.731,94	147.291,94	351.268,06	498.560,00
193	48.731,94	153,91	2.442,75	2.596,67	46.289,19	147.445,86	353.710,81	501.156,67
194	46.289,19	146,20	2.450,47	2.596,67	43.838,72	147.592,05	356.161,28	503.753,33
195	43.838,72	138,46	2.458,21	2.596,67	41.380,51	147.730,51	358.619,49	506.350,00
196	41.380,51	130,69	2.465,97	2.596,67	38.914,54	147.861,20	361.085,46	508.946,67
197	38.914,54	122,91	2.473,76	2.596,67	36.440,78	147.984,11	363.559,22	511.543,33
198	36.440,78	115,09	2.481,57	2.596,67	33.959,20	148.099,20	366.040,80	514.140,00
199	33.959,20	107,25	2.489,41	2.596,67	31.469,79	148.206,46	368.530,21	516.736,67
200	31.469,79	99,39	2.497,27	2.596,67	28.972,51	148.305,85	371.027,49	519.333,33
201	28.972,51	91,50	2.505,16	2.596,67	26.467,35	148.397,35	373.532,65	521.930,00
202	26.467,35	83,59	2.513,07	2.596,67	23.954,28	148.480,94	376.045,72	524.526,67
203	23.954,28	75,66	2.521,01	2.596,67	21.433,27	148.556,60	378.566,73	527.123,33
204	21.433,27	67,69	2.528,97	2.596,67	18.904,29	148.624,29	381.095,71	529.720,00
205	18.904,29	59,71	2.536,96	2.596,67	16.367,33	148.684,00	383.632,67	532.316,67
206	16.367,33	51,69	2.544,97	2.596,67	13.822,36	148.735,69	386.177,64	534.913,33
207	13.822,36	43,66	2.553,01	2.596,67	11.269,35	148.779,35	388.730,65	537.510,00
208	11.269,35	35,59	2.561,07	2.596,67	8.708,27	148.814,94	391.291,73	540.106,67
209	8.708,27	27,50	2.569,16	2.596,67	6.139,11	148.842,44	393.860,89	542.703,33
210	6.139,11	19,39	2.577,28	2.596,67	3.561,83	148.861,83	396.438,17	545.300,00
211	3.561,83	11,25	2.585,42	2.596,67	976,42	148.873,08	399.023,58	547.896,67
212	976,42	3,08	976,42	976,42	976,42	148.876,17	400.000,00	548.876,17

Interhyp Baufinanzierung

3.97/5,00

153.267,70€
Zinsanteil

2.643,33€
Monatsrate

3,93%
Sollzins p.a.

4,00%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 100.000,00 €;Kreditrate: 462,50 €;Gesamtbetrag: 55.500,00 €;Anzahl Kreditraten: 120;Laufzeit: 120 Monate;Effektiver Jahreszins: 3,61 %;Gebundener Sollzins: 3,55 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.310,00	1.333,33	2.643,33	398.666,67	1.310,00	1.333,33	2.643,33
2	398.666,67	1.305,63	1.337,70	2.643,33	397.328,97	2.615,63	2.671,03	5.286,67
3	397.328,97	1.301,25	1.342,08	2.643,33	395.986,89	3.916,89	4.013,11	7.930,00
4	395.986,89	1.296,86	1.346,48	2.643,33	394.640,41	5.213,74	5.359,59	10.573,33
5	394.640,41	1.292,45	1.350,89	2.643,33	393.289,52	6.506,19	6.710,48	13.216,67
6	393.289,52	1.288,02	1.355,31	2.643,33	391.934,21	7.794,21	8.065,79	15.860,00
7	391.934,21	1.283,58	1.359,75	2.643,33	390.574,46	9.077,80	9.425,54	18.503,33
8	390.574,46	1.279,13	1.364,20	2.643,33	389.210,26	10.356,93	10.789,74	21.146,67
9	389.210,26	1.274,66	1.368,67	2.643,33	387.841,59	11.631,59	12.158,41	23.790,00
10	387.841,59	1.270,18	1.373,15	2.643,33	386.468,44	12.901,77	13.531,56	26.433,33
11	386.468,44	1.265,68	1.377,65	2.643,33	385.090,79	14.167,46	14.909,21	29.076,67
12	385.090,79	1.261,17	1.382,16	2.643,33	383.708,63	15.428,63	16.291,37	31.720,00
13	383.708,63	1.256,65	1.386,69	2.643,33	382.321,94	16.685,28	17.678,06	34.363,33
14	382.321,94	1.252,10	1.391,23	2.643,33	380.930,71	17.937,38	19.069,29	37.006,67
15	380.930,71	1.247,55	1.395,79	2.643,33	379.534,93	19.184,93	20.465,07	39.650,00
16	379.534,93	1.242,98	1.400,36	2.643,33	378.134,57	20.427,91	21.865,43	42.293,33
17	378.134,57	1.238,39	1.404,94	2.643,33	376.729,63	21.666,30	23.270,37	44.936,67
18	376.729,63	1.233,79	1.409,54	2.643,33	375.320,09	22.900,09	24.679,91	47.580,00
19	375.320,09	1.229,17	1.414,16	2.643,33	373.905,93	24.129,26	26.094,07	50.223,33
20	373.905,93	1.224,54	1.418,79	2.643,33	372.487,13	25.353,80	27.512,87	52.866,67
21	372.487,13	1.219,90	1.423,44	2.643,33	371.063,70	26.573,70	28.936,30	55.510,00
22	371.063,70	1.215,23	1.428,10	2.643,33	369.635,60	27.788,93	30.364,40	58.153,33
23	369.635,60	1.210,56	1.432,78	2.643,33	368.202,82	28.999,49	31.797,18	60.796,67
24	368.202,82	1.205,86	1.437,47	2.643,33	366.765,35	30.205,35	33.234,65	63.440,00
25	366.765,35	1.201,16	1.442,18	2.643,33	365.323,17	31.406,51	34.676,83	66.083,33
26	365.323,17	1.196,43	1.446,90	2.643,33	363.876,27	32.602,94	36.123,73	68.726,67
27	363.876,27	1.191,69	1.451,64	2.643,33	362.424,64	33.794,64	37.575,36	71.370,00
28	362.424,64	1.186,94	1.456,39	2.643,33	360.968,24	34.981,58	39.031,76	74.013,33
29	360.968,24	1.182,17	1.461,16	2.643,33	359.507,08	36.163,75	40.492,92	76.656,67
30	359.507,08	1.177,39	1.465,95	2.643,33	358.041,13	37.341,13	41.958,87	79.300,00
31	358.041,13	1.172,58	1.470,75	2.643,33	356.570,38	38.513,72	43.429,62	81.943,33
32	356.570,38	1.167,77	1.475,57	2.643,33	355.094,82	39.681,49	44.905,18	84.586,67
33	355.094,82	1.162,94	1.480,40	2.643,33	353.614,42	40.844,42	46.385,58	87.230,00
34	353.614,42	1.158,09	1.485,25	2.643,33	352.129,18	42.002,51	47.870,82	89.873,33
35	352.129,18	1.153,22	1.490,11	2.643,33	350.639,06	43.155,73	49.360,94	92.516,67
36	350.639,06	1.148,34	1.494,99	2.643,33	349.144,07	44.304,07	50.855,93	95.160,00
37	349.144,07	1.143,45	1.499,89	2.643,33	347.644,19	45.447,52	52.355,81	97.803,33
38	347.644,19	1.138,53	1.504,80	2.643,33	346.139,39	46.586,06	53.860,61	100.446,67
39	346.139,39	1.133,61	1.509,73	2.643,33	344.629,66	47.719,66	55.370,34	103.090,00
40	344.629,66	1.128,66	1.514,67	2.643,33	343.114,99	48.848,32	56.885,01	105.733,33
41	343.114,99	1.123,70	1.519,63	2.643,33	341.595,36	49.972,03	58.404,64	108.376,67
42	341.595,36	1.118,72	1.524,61	2.643,33	340.070,75	51.090,75	59.929,25	111.020,00
43	340.070,75	1.113,73	1.529,60	2.643,33	338.541,15	52.204,48	61.458,85	113.663,33
44	338.541,15	1.108,72	1.534,61	2.643,33	337.006,54	53.313,20	62.993,46	116.306,67
45	337.006,54	1.103,70	1.539,64	2.643,33	335.466,90	54.416,90	64.533,10	118.950,00
46	335.466,90	1.098,65	1.544,68	2.643,33	333.922,22	55.515,56	66.077,78	121.593,33
47	333.922,22	1.093,60	1.549,74	2.643,33	332.372,48	56.609,15	67.627,52	124.236,67
48	332.372,48	1.088,52	1.554,81	2.643,33	330.817,67	57.697,67	69.182,33	126.880,00
49	330.817,67	1.083,43	1.559,91	2.643,33	329.257,77	58.781,10	70.742,23	129.523,33
50	329.257,77	1.078,32	1.565,01	2.643,33	327.692,75	59.859,42	72.307,25	132.166,67
51	327.692,75	1.073,19	1.570,14	2.643,33	326.122,61	60.932,61	73.877,39	134.810,00
52	326.122,61	1.068,05	1.575,28	2.643,33	324.547,33	62.000,66	75.452,67	137.453,33
53	324.547,33	1.062,89	1.580,44	2.643,33	322.966,89	63.063,56	77.033,11	140.096,67
54	322.966,89	1.057,72	1.585,62	2.643,33	321.381,27	64.121,27	78.618,73	142.740,00
55	321.381,27	1.052,52	1.590,81	2.643,33	319.790,46	65.173,80	80.209,54	145.383,33
56	319.790,46	1.047,31	1.596,02	2.643,33	318.194,44	66.221,11	81.805,56	148.026,67
57	318.194,44	1.042,09	1.601,25	2.643,33	316.593,20	67.263,20	83.406,80	150.670,00
58	316.593,20	1.036,84	1.606,49	2.643,33	314.986,71	68.300,04	85.013,29	153.313,33
59	314.986,71	1.031,58	1.611,75	2.643,33	313.374,95	69.331,62	86.625,05	155.956,67
60	313.374,95	1.026,30	1.617,03	2.643,33	311.757,92	70.357,92	88.242,08	158.600,00
61	311.757,92	1.021,01	1.622,33	2.643,33	310.135,60	71.378,93	89.864,40	161.243,33
62	310.135,60	1.015,69	1.627,64	2.643,33	308.507,96	72.394,62	91.492,04	163.886,67
63	308.507,96	1.010,36	1.632,97	2.643,33	306.874,99	73.404,99	93.125,01	166.530,00
64	306.874,99	1.005,02	1.638,32	2.643,33	305.236,67	74.410,00	94.763,33	169.173,33
65	305.236,67	999,65	1.643,68	2.643,33	303.592,99	75.409,65	96.407,01	171.816,67
66	303.592,99	994,27	1.649,07	2.643,33	301.943,92	76.403,92	98.056,08	174.460,00
67	301.943,92	988,87	1.654,47	2.643,33	300.289,45	77.392,79	99.710,55	177.103,33
68	300.289,45	983,45	1.659,89	2.643,33	298.629,57	78.376,24	101.370,43	179.746,67
69	298.629,57	978,01	1.665,32	2.643,33	296.964,25	79.354,25	103.035,75	182.390,00
70	296.964,25	972,56	1.670,78	2.643,33	295.293,47	80.326,81	104.706,53	185.033,33
71	295.293,47	967,09	1.676,25	2.643,33	293.617,22	81.293,89	106.382,78	187.676,67
72	293.617,22	961,60	1.681,74	2.643,33	291.935,49	82.255,49	108.064,51	190.320,00
73	291.935,49	956,09	1.687,24	2.643,33	290.248,24	83.211,58	109.751,76	192.963,33
74	290.248,24	950,56	1.692,77	2.643,33	288.555,47	84.162,14	111.444,53	195.606,67
75	288.555,47	945,02	1.698,31	2.643,33	286.857,16	85.107,16	113.142,84	198.250,00
76	286.857,16	939,46	1.703,88	2.643,33	285.153,28	86.046,62	114.846,72	200.893,33
77	285.153,28	933,88	1.709,46	2.643,33	283.443,83	86.980,49	116.556,17	203.536,67
78	283.443,83	928,28	1.715,05	2.643,33	281.728,77	87.908,77	118.271,23	206.180,00
79	281.728,77	922,66	1.720,67	2.643,33	280.008,10	88.831,43	119.991,90	208.823,33
80	280.008,10	917,03	1.726,31	2.643,33	278.281,79	89.748,46	121.718,21	211.466,67
81	278.281,79	911,37	1.731,96	2.643,33	276.549,83	90.659,83	123.450,17	214.110,00
82	276.549,83	905,70	1.737,63	2.643,33	274.812,20	91.565,53	125.187,80	216.753,33
83	274.812,20	900,01	1.743,32	2.643,33	273.068,88	92.465,54	126.931,12	219.396,67
84	273.068,88	894,30	1.749,03	2.643,33	271.319,84	93.359,84	128.680,16	222.040,00
85	271.319,84	888,57	1.754,76	2.643,33	269.565,08	94.248,42	130.434,92	224.683,33
86	269.565,08	882,83	1.760,51	2.643,33	267.804,58	95.131,24	132.195,42	227.326,67
87	267.804,58	877,06	1.766,27	2.643,33	266.038,30	96.008,30	133.961,70	229.970,00
88	266.038,30	871,28	1.772,06	2.643,33	264.266,24	96.879,58	135.733,76	232.613,33
89	264.266,24	865,47	1.777,86	2.643,33	262.488,38	97.745,05	137.511,62	235.256,67
90	262.488,38	859,65	1.783,68	2.643,33	260.704,70	98.604,70	139.295,30	237.900,00
91	260.704,70	853,81	1.789,53	2.643,33	258.915,17	99.458,51	141.084,83	240.543,33
92	258.915,17	847,95	1.795,39	2.643,33	257.119,79	100.306,45	142.880,21	243.186,67
93	257.119,79	842,07	1.801,27	2.643,33	255.318,52	101.148,52	144.681,48	245.830,00
94	255.318,52	836,17	1.807,17	2.643,33	253.511,36	101.984,69	146.488,64	248.473,33
95	253.511,36	830,25	1.813,08	2.643,33	251.698,27	102.814,94	148.301,73	251.116,67
96	251.698,27	824,31	1.819,02	2.643,33	249.879,25	103.639,25	150.120,75	253.760,00
97	249.879,25	818,35	1.824,98	2.643,33	248.054,27	104.457,61	151.945,73	256.403,33
98	248.054,27	812,38	1.830,96	2.643,33	246.223,32	105.269,98	153.776,68	259.046,67
99	246.223,32	806,38	1.836,95	2.643,33	244.386,36	106.076,36	155.613,64	261.690,00
100	244.386,36	800,37	1.842,97	2.643,33	242.543,40	106.876,73	157.456,60	264.333,33
101	242.543,40	794,33	1.849,00	2.643,33	240.694,39	107.671,06	159.305,61	266.976,67
102	240.694,39	788,27	1.855,06	2.643,33	238.839,33	108.459,33	161.160,67	269.620,00
103	238.839,33	782,20	1.861,13	2.643,33	236.978,20	109.241,53	163.021,80	272.263,33
104	236.978,20	776,10	1.867,23	2.643,33	235.110,97	110.017,64	164.889,03	274.906,67
105	235.110,97	769,99	1.873,34	2.643,33	233.237,62	110.787,62	166.762,38	277.550,00
106	233.237,62	763,85	1.879,48	2.643,33	231.358,14	111.551,48	168.641,86	280.193,33
107	231.358,14	757,70	1.885,64	2.643,33	229.472,51	112.309,18	170.527,49	282.836,67
108	229.472,51	751,52	1.891,81	2.643,33	227.580,70	113.060,70	172.419,30	285.480,00
109	227.580,70	745,33	1.898,01	2.643,33	225.682,69	113.806,02	174.317,31	288.123,33
110	225.682,69	739,11	1.904,22	2.643,33	223.778,47	114.545,14	176.221,53	290.766,67
111	223.778,47	732,87	1.910,46	2.643,33	221.868,01	115.278,01	178.131,99	293.410,00
112	221.868,01	726,62	1.916,72	2.643,33	219.951,29	116.004,63	180.048,71	296.053,33
113	219.951,29	720,34	1.922,99	2.643,33	218.028,30	116.724,97	181.971,70	298.696,67
114	218.028,30	714,04	1.929,29	2.643,33	216.099,01	117.439,01	183.900,99	301.340,00
115	216.099,01	707,72	1.935,61	2.643,33	214.163,40	118.146,74	185.836,60	303.983,33
116	214.163,40	701,39	1.941,95	2.643,33	212.221,45	118.848,12	187.778,55	306.626,67
117	212.221,45	695,03	1.948,31	2.643,33	210.273,15	119.543,15	189.726,85	309.270,00
118	210.273,15	688,64	1.954,69	2.643,33	208.318,46	120.231,79	191.681,54	311.913,33
119	208.318,46	682,24	1.961,09	2.643,33	206.357,37	120.914,03	193.642,63	314.556,67
120	206.357,37	675,82	1.967,51	2.643,33	204.389,85	121.589,85	195.610,15	317.200,00
121	204.389,85	669,38	1.973,96	2.643,33	202.415,90	122.259,23	197.584,10	319.843,33
122	202.415,90	662,91	1.980,42	2.643,33	200.435,48	122.922,14	199.564,52	322.486,67
123	200.435,48	656,43	1.986,91	2.643,33	198.448,57	123.578,57	201.551,43	325.130,00
124	198.448,57	649,92	1.993,41	2.643,33	196.455,15	124.228,49	203.544,85	327.773,33
125	196.455,15	643,39	1.999,94	2.643,33	194.455,21	124.871,88	205.544,79	330.416,67
126	194.455,21	636,84	2.006,49	2.643,33	192.448,72	125.508,72	207.551,28	333.060,00
127	192.448,72	630,27	2.013,06	2.643,33	190.435,66	126.138,99	209.564,34	335.703,33
128	190.435,66	623,68	2.019,66	2.643,33	188.416,00	126.762,67	211.584,00	338.346,67
129	188.416,00	617,06	2.026,27	2.643,33	186.389,73	127.379,73	213.610,27	340.990,00
130	186.389,73	610,43	2.032,91	2.643,33	184.356,82	127.990,15	215.643,18	343.633,33
131	184.356,82	603,77	2.039,56	2.643,33	182.317,26	128.593,92	217.682,74	346.276,67
132	182.317,26	597,09	2.046,24	2.643,33	180.271,01	129.191,01	219.728,99	348.920,00
133	180.271,01	590,39	2.052,95	2.643,33	178.218,07	129.781,40	221.781,93	351.563,33
134	178.218,07	583,66	2.059,67	2.643,33	176.158,40	130.365,06	223.841,60	354.206,67
135	176.158,40	576,92	2.066,41	2.643,33	174.091,98	130.941,98	225.908,02	356.850,00
136	174.091,98	570,15	2.073,18	2.643,33	172.018,80	131.512,13	227.981,20	359.493,33
137	172.018,80	563,36	2.079,97	2.643,33	169.938,83	132.075,49	230.061,17	362.136,67
138	169.938,83	556,55	2.086,78	2.643,33	167.852,04	132.632,04	232.147,96	364.780,00
139	167.852,04	549,72	2.093,62	2.643,33	165.758,43	133.181,76	234.241,57	367.423,33
140	165.758,43	542,86	2.100,47	2.643,33	163.657,95	133.724,62	236.342,05	370.066,67
141	163.657,95	535,98	2.107,35	2.643,33	161.550,60	134.260,60	238.449,40	372.710,00
142	161.550,60	529,08	2.114,26	2.643,33	159.436,34	134.789,68	240.563,66	375.353,33
143	159.436,34	522,15	2.121,18	2.643,33	157.315,16	135.311,83	242.684,84	377.996,67
144	157.315,16	515,21	2.128,13	2.643,33	155.187,04	135.827,04	244.812,96	380.640,00
145	155.187,04	508,24	2.135,10	2.643,33	153.051,94	136.335,28	246.948,06	383.283,33
146	153.051,94	501,25	2.142,09	2.643,33	150.909,85	136.836,52	249.090,15	385.926,67
147	150.909,85	494,23	2.149,10	2.643,33	148.760,75	137.330,75	251.239,25	388.570,00
148	148.760,75	487,19	2.156,14	2.643,33	146.604,61	137.817,94	253.395,39	391.213,33
149	146.604,61	480,13	2.163,20	2.643,33	144.441,41	138.298,07	255.558,59	393.856,67
150	144.441,41	473,05	2.170,29	2.643,33	142.271,12	138.771,12	257.728,88	396.500,00
151	142.271,12	465,94	2.177,40	2.643,33	140.093,72	139.237,06	259.906,28	399.143,33
152	140.093,72	458,81	2.184,53	2.643,33	137.909,20	139.695,86	262.090,80	401.786,67
153	137.909,20	451,65	2.191,68	2.643,33	135.717,52	140.147,52	264.282,48	404.430,00
154	135.717,52	444,47	2.198,86	2.643,33	133.518,66	140.591,99	266.481,34	407.073,33
155	133.518,66	437,27	2.206,06	2.643,33	131.312,60	141.029,26	268.687,40	409.716,67
156	131.312,60	430,05	2.213,28	2.643,33	129.099,31	141.459,31	270.900,69	412.360,00
157	129.099,31	422,80	2.220,53	2.643,33	126.878,78	141.882,11	273.121,22	415.003,33
158	126.878,78	415,53	2.227,81	2.643,33	124.650,97	142.297,64	275.349,03	417.646,67
159	124.650,97	408,23	2.235,10	2.643,33	122.415,87	142.705,87	277.584,13	420.290,00
160	122.415,87	400,91	2.242,42	2.643,33	120.173,45	143.106,78	279.826,55	422.933,33
161	120.173,45	393,57	2.249,77	2.643,33	117.923,69	143.500,35	282.076,31	425.576,67
162	117.923,69	386,20	2.257,13	2.643,33	115.666,55	143.886,55	284.333,45	428.220,00
163	115.666,55	378,81	2.264,53	2.643,33	113.402,03	144.265,36	286.597,97	430.863,33
164	113.402,03	371,39	2.271,94	2.643,33	111.130,09	144.636,75	288.869,91	433.506,67
165	111.130,09	363,95	2.279,38	2.643,33	108.850,70	145.000,70	291.149,30	436.150,00
166	108.850,70	356,49	2.286,85	2.643,33	106.563,86	145.357,19	293.436,14	438.793,33
167	106.563,86	349,00	2.294,34	2.643,33	104.269,52	145.706,19	295.730,48	441.436,67
168	104.269,52	341,48	2.301,85	2.643,33	101.967,67	146.047,67	298.032,33	444.080,00
169	101.967,67	333,94	2.309,39	2.643,33	99.658,28	146.381,61	300.341,72	446.723,33
170	99.658,28	326,38	2.316,95	2.643,33	97.341,33	146.707,99	302.658,67	449.366,67
171	97.341,33	318,79	2.324,54	2.643,33	95.016,79	147.026,79	304.983,21	452.010,00
172	95.016,79	311,18	2.332,15	2.643,33	92.684,63	147.337,97	307.315,37	454.653,33
173	92.684,63	303,54	2.339,79	2.643,33	90.344,84	147.641,51	309.655,16	457.296,67
174	90.344,84	295,88	2.347,45	2.643,33	87.997,39	147.937,39	312.002,61	459.940,00
175	87.997,39	288,19	2.355,14	2.643,33	85.642,25	148.225,58	314.357,75	462.583,33
176	85.642,25	280,48	2.362,85	2.643,33	83.279,39	148.506,06	316.720,61	465.226,67
177	83.279,39	272,74	2.370,59	2.643,33	80.908,80	148.778,80	319.091,20	467.870,00
178	80.908,80	264,98	2.378,36	2.643,33	78.530,44	149.043,77	321.469,56	470.513,33
179	78.530,44	257,19	2.386,15	2.643,33	76.144,29	149.300,96	323.855,71	473.156,67
180	76.144,29	249,37	2.393,96	2.643,33	73.750,33	149.550,33	326.249,67	475.800,00
181	73.750,33	241,53	2.401,80	2.643,33	71.348,53	149.791,87	328.651,47	478.443,33
182	71.348,53	233,67	2.409,67	2.643,33	68.938,87	150.025,53	331.061,13	481.086,67
183	68.938,87	225,77	2.417,56	2.643,33	66.521,31	150.251,31	333.478,69	483.730,00
184	66.521,31	217,86	2.425,48	2.643,33	64.095,83	150.469,16	335.904,17	486.373,33
185	64.095,83	209,91	2.433,42	2.643,33	61.662,41	150.679,08	338.337,59	489.016,67
186	61.662,41	201,94	2.441,39	2.643,33	59.221,02	150.881,02	340.778,98	491.660,00
187	59.221,02	193,95	2.449,38	2.643,33	56.771,64	151.074,97	343.228,36	494.303,33
188	56.771,64	185,93	2.457,41	2.643,33	54.314,23	151.260,90	345.685,77	496.946,67
189	54.314,23	177,88	2.465,45	2.643,33	51.848,78	151.438,78	348.151,22	499.590,00
190	51.848,78	169,80	2.473,53	2.643,33	49.375,25	151.608,58	350.624,75	502.233,33
191	49.375,25	161,70	2.481,63	2.643,33	46.893,62	151.770,29	353.106,38	504.876,67
192	46.893,62	153,58	2.489,76	2.643,33	44.403,86	151.923,86	355.596,14	507.520,00
193	44.403,86	145,42	2.497,91	2.643,33	41.905,95	152.069,29	358.094,05	510.163,33
194	41.905,95	137,24	2.506,09	2.643,33	39.399,86	152.206,53	360.600,14	512.806,67
195	39.399,86	129,03	2.514,30	2.643,33	36.885,56	152.335,56	363.114,44	515.450,00
196	36.885,56	120,80	2.522,53	2.643,33	34.363,03	152.456,36	365.636,97	518.093,33
197	34.363,03	112,54	2.530,79	2.643,33	31.832,23	152.568,90	368.167,77	520.736,67
198	31.832,23	104,25	2.539,08	2.643,33	29.293,15	152.673,15	370.706,85	523.380,00
199	29.293,15	95,94	2.547,40	2.643,33	26.745,75	152.769,09	373.254,25	526.023,33
200	26.745,75	87,59	2.555,74	2.643,33	24.190,01	152.856,68	375.809,99	528.666,67
201	24.190,01	79,22	2.564,11	2.643,33	21.625,90	152.935,90	378.374,10	531.310,00
202	21.625,90	70,82	2.572,51	2.643,33	19.053,39	153.006,73	380.946,61	533.953,33
203	19.053,39	62,40	2.580,93	2.643,33	16.472,46	153.069,13	383.527,54	536.596,67
204	16.472,46	53,95	2.589,39	2.643,33	13.883,07	153.123,07	386.116,93	539.240,00
205	13.883,07	45,47	2.597,87	2.643,33	11.285,21	153.168,54	388.714,79	541.883,33
206	11.285,21	36,96	2.606,37	2.643,33	8.678,83	153.205,50	391.321,17	544.526,67
207	8.678,83	28,42	2.614,91	2.643,33	6.063,92	153.233,92	393.936,08	547.170,00
208	6.063,92	19,86	2.623,47	2.643,33	3.440,45	153.253,78	396.559,55	549.813,33
209	3.440,45	11,27	2.632,07	2.643,33	808,38	153.265,05	399.191,62	552.456,67
210	808,38	2,65	808,38	808,38	808,38	153.267,70	400.000,00	553.267,70

PSD Bank Nürnberg Baufinanzierung

3.61/5,00

153.578,88€
Zinsanteil

2.646,67€
Monatsrate

3,94%
Sollzins p.a.

4,01%
Effektivzins p.a.

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

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.313,33	1.333,33	2.646,67	398.666,67	1.313,33	1.333,33	2.646,67
2	398.666,67	1.308,96	1.337,71	2.646,67	397.328,96	2.622,29	2.671,04	5.293,33
3	397.328,96	1.304,56	1.342,10	2.646,67	395.986,85	3.926,85	4.013,15	7.940,00
4	395.986,85	1.300,16	1.346,51	2.646,67	394.640,34	5.227,01	5.359,66	10.586,67
5	394.640,34	1.295,74	1.350,93	2.646,67	393.289,41	6.522,74	6.710,59	13.233,33
6	393.289,41	1.291,30	1.355,37	2.646,67	391.934,05	7.814,05	8.065,95	15.880,00
7	391.934,05	1.286,85	1.359,82	2.646,67	390.574,23	9.100,90	9.425,77	18.526,67
8	390.574,23	1.282,39	1.364,28	2.646,67	389.209,95	10.383,28	10.790,05	21.173,33
9	389.209,95	1.277,91	1.368,76	2.646,67	387.841,19	11.661,19	12.158,81	23.820,00
10	387.841,19	1.273,41	1.373,25	2.646,67	386.467,93	12.934,60	13.532,07	26.466,67
11	386.467,93	1.268,90	1.377,76	2.646,67	385.090,17	14.203,50	14.909,83	29.113,33
12	385.090,17	1.264,38	1.382,29	2.646,67	383.707,88	15.467,88	16.292,12	31.760,00
13	383.707,88	1.259,84	1.386,83	2.646,67	382.321,06	16.727,72	17.678,94	34.406,67
14	382.321,06	1.255,29	1.391,38	2.646,67	380.929,68	17.983,01	19.070,32	37.053,33
15	380.929,68	1.250,72	1.395,95	2.646,67	379.533,73	19.233,73	20.466,27	39.700,00
16	379.533,73	1.246,14	1.400,53	2.646,67	378.133,20	20.479,86	21.866,80	42.346,67
17	378.133,20	1.241,54	1.405,13	2.646,67	376.728,07	21.721,40	23.271,93	44.993,33
18	376.728,07	1.236,92	1.409,74	2.646,67	375.318,33	22.958,33	24.681,67	47.640,00
19	375.318,33	1.232,30	1.414,37	2.646,67	373.903,95	24.190,62	26.096,05	50.286,67
20	373.903,95	1.227,65	1.419,02	2.646,67	372.484,94	25.418,27	27.515,06	52.933,33
21	372.484,94	1.222,99	1.423,67	2.646,67	371.061,26	26.641,26	28.938,74	55.580,00
22	371.061,26	1.218,32	1.428,35	2.646,67	369.632,92	27.859,58	30.367,08	58.226,67
23	369.632,92	1.213,63	1.433,04	2.646,67	368.199,88	29.073,21	31.800,12	60.873,33
24	368.199,88	1.208,92	1.437,74	2.646,67	366.762,13	30.282,13	33.237,87	63.520,00
25	366.762,13	1.204,20	1.442,46	2.646,67	365.319,67	31.486,34	34.680,33	66.166,67
26	365.319,67	1.199,47	1.447,20	2.646,67	363.872,47	32.685,80	36.127,53	68.813,33
27	363.872,47	1.194,71	1.451,95	2.646,67	362.420,52	33.880,52	37.579,48	71.460,00
28	362.420,52	1.189,95	1.456,72	2.646,67	360.963,80	35.070,46	39.036,20	74.106,67
29	360.963,80	1.185,16	1.461,50	2.646,67	359.502,29	36.255,63	40.497,71	76.753,33
30	359.502,29	1.180,37	1.466,30	2.646,67	358.035,99	37.435,99	41.964,01	79.400,00
31	358.035,99	1.175,55	1.471,12	2.646,67	356.564,88	38.611,55	43.435,12	82.046,67
32	356.564,88	1.170,72	1.475,95	2.646,67	355.088,93	39.782,27	44.911,07	84.693,33
33	355.088,93	1.165,88	1.480,79	2.646,67	353.608,14	40.948,14	46.391,86	87.340,00
34	353.608,14	1.161,01	1.485,65	2.646,67	352.122,49	42.109,16	47.877,51	89.986,67
35	352.122,49	1.156,14	1.490,53	2.646,67	350.631,96	43.265,29	49.368,04	92.633,33
36	350.631,96	1.151,24	1.495,43	2.646,67	349.136,53	44.416,53	50.863,47	95.280,00
37	349.136,53	1.146,33	1.500,34	2.646,67	347.636,20	45.562,86	52.363,80	97.926,67
38	347.636,20	1.141,41	1.505,26	2.646,67	346.130,94	46.704,27	53.869,06	100.573,33
39	346.130,94	1.136,46	1.510,20	2.646,67	344.620,73	47.840,73	55.379,27	103.220,00
40	344.620,73	1.131,50	1.515,16	2.646,67	343.105,57	48.972,24	56.894,43	105.866,67
41	343.105,57	1.126,53	1.520,14	2.646,67	341.585,43	50.098,77	58.414,57	108.513,33
42	341.585,43	1.121,54	1.525,13	2.646,67	340.060,31	51.220,31	59.939,69	111.160,00
43	340.060,31	1.116,53	1.530,14	2.646,67	338.530,17	52.336,84	61.469,83	113.806,67
44	338.530,17	1.111,51	1.535,16	2.646,67	336.995,01	53.448,35	63.004,99	116.453,33
45	336.995,01	1.106,47	1.540,20	2.646,67	335.454,81	54.554,81	64.545,19	119.100,00
46	335.454,81	1.101,41	1.545,26	2.646,67	333.909,56	55.656,22	66.090,44	121.746,67
47	333.909,56	1.096,34	1.550,33	2.646,67	332.359,22	56.752,56	67.640,78	124.393,33
48	332.359,22	1.091,25	1.555,42	2.646,67	330.803,80	57.843,80	69.196,20	127.040,00
49	330.803,80	1.086,14	1.560,53	2.646,67	329.243,28	58.929,94	70.756,72	129.686,67
50	329.243,28	1.081,02	1.565,65	2.646,67	327.677,63	60.010,96	72.322,37	132.333,33
51	327.677,63	1.075,87	1.570,79	2.646,67	326.106,83	61.086,83	73.893,17	134.980,00
52	326.106,83	1.070,72	1.575,95	2.646,67	324.530,88	62.157,55	75.469,12	137.626,67
53	324.530,88	1.065,54	1.581,12	2.646,67	322.949,76	63.223,09	77.050,24	140.273,33
54	322.949,76	1.060,35	1.586,31	2.646,67	321.363,45	64.283,45	78.636,55	142.920,00
55	321.363,45	1.055,14	1.591,52	2.646,67	319.771,92	65.338,59	80.228,08	145.566,67
56	319.771,92	1.049,92	1.596,75	2.646,67	318.175,17	66.388,51	81.824,83	148.213,33
57	318.175,17	1.044,68	1.601,99	2.646,67	316.573,18	67.433,18	83.426,82	150.860,00
58	316.573,18	1.039,42	1.607,25	2.646,67	314.965,93	68.472,60	85.034,07	153.506,67
59	314.965,93	1.034,14	1.612,53	2.646,67	313.353,40	69.506,74	86.646,60	156.153,33
60	313.353,40	1.028,84	1.617,82	2.646,67	311.735,58	70.535,58	88.264,42	158.800,00
61	311.735,58	1.023,53	1.623,13	2.646,67	310.112,44	71.559,11	89.887,56	161.446,67
62	310.112,44	1.018,20	1.628,46	2.646,67	308.483,98	72.577,31	91.516,02	164.093,33
63	308.483,98	1.012,86	1.633,81	2.646,67	306.850,17	73.590,17	93.149,83	166.740,00
64	306.850,17	1.007,49	1.639,18	2.646,67	305.210,99	74.597,66	94.789,01	169.386,67
65	305.210,99	1.002,11	1.644,56	2.646,67	303.566,44	75.599,77	96.433,56	172.033,33
66	303.566,44	996,71	1.649,96	2.646,67	301.916,48	76.596,48	98.083,52	174.680,00
67	301.916,48	991,29	1.655,37	2.646,67	300.261,11	77.587,77	99.738,89	177.326,67
68	300.261,11	985,86	1.660,81	2.646,67	298.600,30	78.573,63	101.399,70	179.973,33
69	298.600,30	980,40	1.666,26	2.646,67	296.934,03	79.554,03	103.065,97	182.620,00
70	296.934,03	974,93	1.671,73	2.646,67	295.262,30	80.528,97	104.737,70	185.266,67
71	295.262,30	969,44	1.677,22	2.646,67	293.585,08	81.498,41	106.414,92	187.913,33
72	293.585,08	963,94	1.682,73	2.646,67	291.902,35	82.462,35	108.097,65	190.560,00
73	291.902,35	958,41	1.688,25	2.646,67	290.214,10	83.420,76	109.785,90	193.206,67
74	290.214,10	952,87	1.693,80	2.646,67	288.520,30	84.373,63	111.479,70	195.853,33
75	288.520,30	947,31	1.699,36	2.646,67	286.820,94	85.320,94	113.179,06	198.500,00
76	286.820,94	941,73	1.704,94	2.646,67	285.116,00	86.262,67	114.884,00	201.146,67
77	285.116,00	936,13	1.710,54	2.646,67	283.405,47	87.198,80	116.594,53	203.793,33
78	283.405,47	930,51	1.716,15	2.646,67	281.689,31	88.129,31	118.310,69	206.440,00
79	281.689,31	924,88	1.721,79	2.646,67	279.967,53	89.054,19	120.032,47	209.086,67
80	279.967,53	919,23	1.727,44	2.646,67	278.240,09	89.973,42	121.759,91	211.733,33
81	278.240,09	913,55	1.733,11	2.646,67	276.506,98	90.886,98	123.493,02	214.380,00
82	276.506,98	907,86	1.738,80	2.646,67	274.768,17	91.794,84	125.231,83	217.026,67
83	274.768,17	902,16	1.744,51	2.646,67	273.023,66	92.697,00	126.976,34	219.673,33
84	273.023,66	896,43	1.750,24	2.646,67	271.273,42	93.593,42	128.726,58	222.320,00
85	271.273,42	890,68	1.755,99	2.646,67	269.517,44	94.484,11	130.482,56	224.966,67
86	269.517,44	884,92	1.761,75	2.646,67	267.755,69	95.369,02	132.244,31	227.613,33
87	267.755,69	879,13	1.767,54	2.646,67	265.988,15	96.248,15	134.011,85	230.260,00
88	265.988,15	873,33	1.773,34	2.646,67	264.214,81	97.121,48	135.785,19	232.906,67
89	264.214,81	867,51	1.779,16	2.646,67	262.435,65	97.988,99	137.564,35	235.553,33
90	262.435,65	861,66	1.785,00	2.646,67	260.650,65	98.850,65	139.349,35	238.200,00
91	260.650,65	855,80	1.790,86	2.646,67	258.859,79	99.706,45	141.140,21	240.846,67
92	258.859,79	849,92	1.796,74	2.646,67	257.063,04	100.556,37	142.936,96	243.493,33
93	257.063,04	844,02	1.802,64	2.646,67	255.260,40	101.400,40	144.739,60	246.140,00
94	255.260,40	838,10	1.808,56	2.646,67	253.451,84	102.238,50	146.548,16	248.786,67
95	253.451,84	832,17	1.814,50	2.646,67	251.637,34	103.070,67	148.362,66	251.433,33
96	251.637,34	826,21	1.820,46	2.646,67	249.816,88	103.896,88	150.183,12	254.080,00
97	249.816,88	820,23	1.826,43	2.646,67	247.990,44	104.717,11	152.009,56	256.726,67
98	247.990,44	814,24	1.832,43	2.646,67	246.158,01	105.531,35	153.841,99	259.373,33
99	246.158,01	808,22	1.838,45	2.646,67	244.319,57	106.339,57	155.680,43	262.020,00
100	244.319,57	802,18	1.844,48	2.646,67	242.475,08	107.141,75	157.524,92	264.666,67
101	242.475,08	796,13	1.850,54	2.646,67	240.624,54	107.937,87	159.375,46	267.313,33
102	240.624,54	790,05	1.856,62	2.646,67	238.767,93	108.727,93	161.232,07	269.960,00
103	238.767,93	783,95	1.862,71	2.646,67	236.905,21	109.511,88	163.094,79	272.606,67
104	236.905,21	777,84	1.868,83	2.646,67	235.036,39	110.289,72	164.963,61	275.253,33
105	235.036,39	771,70	1.874,96	2.646,67	233.161,42	111.061,42	166.838,58	277.900,00
106	233.161,42	765,55	1.881,12	2.646,67	231.280,30	111.826,97	168.719,70	280.546,67
107	231.280,30	759,37	1.887,30	2.646,67	229.393,01	112.586,34	170.606,99	283.193,33
108	229.393,01	753,17	1.893,49	2.646,67	227.499,51	113.339,51	172.500,49	285.840,00
109	227.499,51	746,96	1.899,71	2.646,67	225.599,80	114.086,47	174.400,20	288.486,67
110	225.599,80	740,72	1.905,95	2.646,67	223.693,86	114.827,19	176.306,14	291.133,33
111	223.693,86	734,46	1.912,21	2.646,67	221.781,65	115.561,65	178.218,35	293.780,00
112	221.781,65	728,18	1.918,48	2.646,67	219.863,17	116.289,83	180.136,83	296.426,67
113	219.863,17	721,88	1.924,78	2.646,67	217.938,38	117.011,72	182.061,62	299.073,33
114	217.938,38	715,56	1.931,10	2.646,67	216.007,28	117.727,28	183.992,72	301.720,00
115	216.007,28	709,22	1.937,44	2.646,67	214.069,84	118.436,51	185.930,16	304.366,67
116	214.069,84	702,86	1.943,80	2.646,67	212.126,03	119.139,37	187.873,97	307.013,33
117	212.126,03	696,48	1.950,19	2.646,67	210.175,85	119.835,85	189.824,15	309.660,00
118	210.175,85	690,08	1.956,59	2.646,67	208.219,26	120.525,93	191.780,74	312.306,67
119	208.219,26	683,65	1.963,01	2.646,67	206.256,25	121.209,58	193.743,75	314.953,33
120	206.256,25	677,21	1.969,46	2.646,67	204.286,79	121.886,79	195.713,21	317.600,00
121	204.286,79	670,74	1.975,93	2.646,67	202.310,86	122.557,53	197.689,14	320.246,67
122	202.310,86	664,25	1.982,41	2.646,67	200.328,45	123.221,78	199.671,55	322.893,33
123	200.328,45	657,75	1.988,92	2.646,67	198.339,53	123.879,53	201.660,47	325.540,00
124	198.339,53	651,21	1.995,45	2.646,67	196.344,08	124.530,74	203.655,92	328.186,67
125	196.344,08	644,66	2.002,00	2.646,67	194.342,07	125.175,41	205.657,93	330.833,33
126	194.342,07	638,09	2.008,58	2.646,67	192.333,50	125.813,50	207.666,50	333.480,00
127	192.333,50	631,49	2.015,17	2.646,67	190.318,32	126.444,99	209.681,68	336.126,67
128	190.318,32	624,88	2.021,79	2.646,67	188.296,54	127.069,87	211.703,46	338.773,33
129	188.296,54	618,24	2.028,43	2.646,67	186.268,11	127.688,11	213.731,89	341.420,00
130	186.268,11	611,58	2.035,09	2.646,67	184.233,02	128.299,69	215.766,98	344.066,67
131	184.233,02	604,90	2.041,77	2.646,67	182.191,25	128.904,59	217.808,75	346.713,33
132	182.191,25	598,19	2.048,47	2.646,67	180.142,78	129.502,78	219.857,22	349.360,00
133	180.142,78	591,47	2.055,20	2.646,67	178.087,58	130.094,25	221.912,42	352.006,67
134	178.087,58	584,72	2.061,95	2.646,67	176.025,64	130.678,97	223.974,36	354.653,33
135	176.025,64	577,95	2.068,72	2.646,67	173.956,92	131.256,92	226.043,08	357.300,00
136	173.956,92	571,16	2.075,51	2.646,67	171.881,41	131.828,08	228.118,59	359.946,67
137	171.881,41	564,34	2.082,32	2.646,67	169.799,09	132.392,43	230.200,91	362.593,33
138	169.799,09	557,51	2.089,16	2.646,67	167.709,93	132.949,93	232.290,07	365.240,00
139	167.709,93	550,65	2.096,02	2.646,67	165.613,91	133.500,58	234.386,09	367.886,67
140	165.613,91	543,77	2.102,90	2.646,67	163.511,01	134.044,35	236.488,99	370.533,33
141	163.511,01	536,86	2.109,81	2.646,67	161.401,21	134.581,21	238.598,79	373.180,00
142	161.401,21	529,93	2.116,73	2.646,67	159.284,47	135.111,14	240.715,53	375.826,67
143	159.284,47	522,98	2.123,68	2.646,67	157.160,79	135.634,12	242.839,21	378.473,33
144	157.160,79	516,01	2.130,66	2.646,67	155.030,14	136.150,14	244.969,86	381.120,00
145	155.030,14	509,02	2.137,65	2.646,67	152.892,49	136.659,15	247.107,51	383.766,67
146	152.892,49	502,00	2.144,67	2.646,67	150.747,82	137.161,15	249.252,18	386.413,33
147	150.747,82	494,96	2.151,71	2.646,67	148.596,10	137.656,10	251.403,90	389.060,00
148	148.596,10	487,89	2.158,78	2.646,67	146.437,33	138.143,99	253.562,67	391.706,67
149	146.437,33	480,80	2.165,86	2.646,67	144.271,46	138.624,80	255.728,54	394.353,33
150	144.271,46	473,69	2.172,98	2.646,67	142.098,49	139.098,49	257.901,51	397.000,00
151	142.098,49	466,56	2.180,11	2.646,67	139.918,38	139.565,05	260.081,62	399.646,67
152	139.918,38	459,40	2.187,27	2.646,67	137.731,11	140.024,44	262.268,89	402.293,33
153	137.731,11	452,22	2.194,45	2.646,67	135.536,66	140.476,66	264.463,34	404.940,00
154	135.536,66	445,01	2.201,65	2.646,67	133.335,01	140.921,67	266.664,99	407.586,67
155	133.335,01	437,78	2.208,88	2.646,67	131.126,12	141.359,46	268.873,88	410.233,33
156	131.126,12	430,53	2.216,14	2.646,67	128.909,99	141.789,99	271.090,01	412.880,00
157	128.909,99	423,25	2.223,41	2.646,67	126.686,57	142.213,24	273.313,43	415.526,67
158	126.686,57	415,95	2.230,71	2.646,67	124.455,86	142.629,20	275.544,14	418.173,33
159	124.455,86	408,63	2.238,04	2.646,67	122.217,83	143.037,83	277.782,17	420.820,00
160	122.217,83	401,28	2.245,38	2.646,67	119.972,44	143.439,11	280.027,56	423.466,67
161	119.972,44	393,91	2.252,76	2.646,67	117.719,68	143.833,02	282.280,32	426.113,33
162	117.719,68	386,51	2.260,15	2.646,67	115.459,53	144.219,53	284.540,47	428.760,00
163	115.459,53	379,09	2.267,57	2.646,67	113.191,96	144.598,62	286.808,04	431.406,67
164	113.191,96	371,65	2.275,02	2.646,67	110.916,94	144.970,27	289.083,06	434.053,33
165	110.916,94	364,18	2.282,49	2.646,67	108.634,45	145.334,45	291.365,55	436.700,00
166	108.634,45	356,68	2.289,98	2.646,67	106.344,46	145.691,13	293.655,54	439.346,67
167	106.344,46	349,16	2.297,50	2.646,67	104.046,96	146.040,29	295.953,04	441.993,33
168	104.046,96	341,62	2.305,05	2.646,67	101.741,91	146.381,91	298.258,09	444.640,00
169	101.741,91	334,05	2.312,61	2.646,67	99.429,30	146.715,97	300.570,70	447.286,67
170	99.429,30	326,46	2.320,21	2.646,67	97.109,09	147.042,43	302.890,91	449.933,33
171	97.109,09	318,84	2.327,83	2.646,67	94.781,27	147.361,27	305.218,73	452.580,00
172	94.781,27	311,20	2.335,47	2.646,67	92.445,80	147.672,47	307.554,20	455.226,67
173	92.445,80	303,53	2.343,14	2.646,67	90.102,66	147.976,00	309.897,34	457.873,33
174	90.102,66	295,84	2.350,83	2.646,67	87.751,83	148.271,83	312.248,17	460.520,00
175	87.751,83	288,12	2.358,55	2.646,67	85.393,29	148.559,95	314.606,71	463.166,67
176	85.393,29	280,37	2.366,29	2.646,67	83.026,99	148.840,33	316.973,01	465.813,33
177	83.026,99	272,61	2.374,06	2.646,67	80.652,93	149.112,93	319.347,07	468.460,00
178	80.652,93	264,81	2.381,86	2.646,67	78.271,08	149.377,74	321.728,92	471.106,67
179	78.271,08	256,99	2.389,68	2.646,67	75.881,40	149.634,73	324.118,60	473.753,33
180	75.881,40	249,14	2.397,52	2.646,67	73.483,88	149.883,88	326.516,12	476.400,00
181	73.483,88	241,27	2.405,39	2.646,67	71.078,48	150.125,15	328.921,52	479.046,67
182	71.078,48	233,37	2.413,29	2.646,67	68.665,19	150.358,52	331.334,81	481.693,33
183	68.665,19	225,45	2.421,22	2.646,67	66.243,97	150.583,97	333.756,03	484.340,00
184	66.243,97	217,50	2.429,17	2.646,67	63.814,81	150.801,48	336.185,19	486.986,67
185	63.814,81	209,53	2.437,14	2.646,67	61.377,67	151.011,00	338.622,33	489.633,33
186	61.377,67	201,52	2.445,14	2.646,67	58.932,52	151.212,52	341.067,48	492.280,00
187	58.932,52	193,50	2.453,17	2.646,67	56.479,35	151.406,02	343.520,65	494.926,67
188	56.479,35	185,44	2.461,23	2.646,67	54.018,13	151.591,46	345.981,87	497.573,33
189	54.018,13	177,36	2.469,31	2.646,67	51.548,82	151.768,82	348.451,18	500.220,00
190	51.548,82	169,25	2.477,41	2.646,67	49.071,40	151.938,07	350.928,60	502.866,67
191	49.071,40	161,12	2.485,55	2.646,67	46.585,86	152.099,19	353.414,14	505.513,33
192	46.585,86	152,96	2.493,71	2.646,67	44.092,15	152.252,15	355.907,85	508.160,00
193	44.092,15	144,77	2.501,90	2.646,67	41.590,25	152.396,92	358.409,75	510.806,67
194	41.590,25	136,55	2.510,11	2.646,67	39.080,14	152.533,47	360.919,86	513.453,33
195	39.080,14	128,31	2.518,35	2.646,67	36.561,78	152.661,78	363.438,22	516.100,00
196	36.561,78	120,04	2.526,62	2.646,67	34.035,16	152.781,83	365.964,84	518.746,67
197	34.035,16	111,75	2.534,92	2.646,67	31.500,24	152.893,58	368.499,76	521.393,33
198	31.500,24	103,43	2.543,24	2.646,67	28.957,00	152.997,00	371.043,00	524.040,00
199	28.957,00	95,08	2.551,59	2.646,67	26.405,41	153.092,08	373.594,59	526.686,67
200	26.405,41	86,70	2.559,97	2.646,67	23.845,44	153.178,78	376.154,56	529.333,33
201	23.845,44	78,29	2.568,37	2.646,67	21.277,07	153.257,07	378.722,93	531.980,00
202	21.277,07	69,86	2.576,81	2.646,67	18.700,26	153.326,93	381.299,74	534.626,67
203	18.700,26	61,40	2.585,27	2.646,67	16.114,99	153.388,33	383.885,01	537.273,33
204	16.114,99	52,91	2.593,76	2.646,67	13.521,24	153.441,24	386.478,76	539.920,00
205	13.521,24	44,39	2.602,27	2.646,67	10.918,97	153.485,63	389.081,03	542.566,67
206	10.918,97	35,85	2.610,82	2.646,67	8.308,15	153.521,48	391.691,85	545.213,33
207	8.308,15	27,28	2.619,39	2.646,67	5.688,76	153.548,76	394.311,24	547.860,00
208	5.688,76	18,68	2.627,99	2.646,67	3.060,77	153.567,44	396.939,23	550.506,67
209	3.060,77	10,05	2.636,62	2.646,67	424,16	153.577,49	399.575,84	553.153,33
210	424,16	1,39	424,16	424,16	424,16	153.578,88	400.000,00	553.578,88

Baufi-line Baufinanzierung

3.67/5,00

155.442,34€
Zinsanteil

2.666,67€
Monatsrate

4,00%
Sollzins p.a.

4,10%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 100.000,00 €;Kreditrate: 480,83 €;Gesamtbetrag: 57.699,60 €;Anzahl Kreditraten: 1440;Laufzeit: 338 Monate;Effektiver Jahreszins: 3,77 %;Gebundener Sollzins: 3,68 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.333,33	1.333,33	2.666,67	398.666,67	1.333,33	1.333,33	2.666,67
2	398.666,67	1.328,89	1.337,78	2.666,67	397.328,89	2.662,22	2.671,11	5.333,33
3	397.328,89	1.324,43	1.342,24	2.666,67	395.986,65	3.986,65	4.013,35	8.000,00
4	395.986,65	1.319,96	1.346,71	2.666,67	394.639,94	5.306,61	5.360,06	10.666,67
5	394.639,94	1.315,47	1.351,20	2.666,67	393.288,74	6.622,07	6.711,26	13.333,33
6	393.288,74	1.310,96	1.355,70	2.666,67	391.933,04	7.933,04	8.066,96	16.000,00
7	391.933,04	1.306,44	1.360,22	2.666,67	390.572,81	9.239,48	9.427,19	18.666,67
8	390.572,81	1.301,91	1.364,76	2.666,67	389.208,06	10.541,39	10.791,94	21.333,33
9	389.208,06	1.297,36	1.369,31	2.666,67	387.838,75	11.838,75	12.161,25	24.000,00
10	387.838,75	1.292,80	1.373,87	2.666,67	386.464,88	13.131,55	13.535,12	26.666,67
11	386.464,88	1.288,22	1.378,45	2.666,67	385.086,43	14.419,76	14.913,57	29.333,33
12	385.086,43	1.283,62	1.383,05	2.666,67	383.703,38	15.703,38	16.296,62	32.000,00
13	383.703,38	1.279,01	1.387,66	2.666,67	382.315,73	16.982,39	17.684,27	34.666,67
14	382.315,73	1.274,39	1.392,28	2.666,67	380.923,45	18.256,78	19.076,55	37.333,33
15	380.923,45	1.269,74	1.396,92	2.666,67	379.526,52	19.526,52	20.473,48	40.000,00
16	379.526,52	1.265,09	1.401,58	2.666,67	378.124,95	20.791,61	21.875,05	42.666,67
17	378.124,95	1.260,42	1.406,25	2.666,67	376.718,70	22.052,03	23.281,30	45.333,33
18	376.718,70	1.255,73	1.410,94	2.666,67	375.307,76	23.307,76	24.692,24	48.000,00
19	375.307,76	1.251,03	1.415,64	2.666,67	373.892,12	24.558,78	26.107,88	50.666,67
20	373.892,12	1.246,31	1.420,36	2.666,67	372.471,76	25.805,09	27.528,24	53.333,33
21	372.471,76	1.241,57	1.425,09	2.666,67	371.046,66	27.046,66	28.953,34	56.000,00
22	371.046,66	1.236,82	1.429,84	2.666,67	369.616,82	28.283,49	30.383,18	58.666,67
23	369.616,82	1.232,06	1.434,61	2.666,67	368.182,21	29.515,54	31.817,79	61.333,33
24	368.182,21	1.227,27	1.439,39	2.666,67	366.742,82	30.742,82	33.257,18	64.000,00
25	366.742,82	1.222,48	1.444,19	2.666,67	365.298,63	31.965,29	34.701,37	66.666,67
26	365.298,63	1.217,66	1.449,00	2.666,67	363.849,62	33.182,95	36.150,38	69.333,33
27	363.849,62	1.212,83	1.453,83	2.666,67	362.395,79	34.395,79	37.604,21	72.000,00
28	362.395,79	1.207,99	1.458,68	2.666,67	360.937,11	35.603,77	39.062,89	74.666,67
29	360.937,11	1.203,12	1.463,54	2.666,67	359.473,56	36.806,90	40.526,44	77.333,33
30	359.473,56	1.198,25	1.468,42	2.666,67	358.005,14	38.005,14	41.994,86	80.000,00
31	358.005,14	1.193,35	1.473,32	2.666,67	356.531,83	39.198,49	43.468,17	82.666,67
32	356.531,83	1.188,44	1.478,23	2.666,67	355.053,60	40.386,93	44.946,40	85.333,33
33	355.053,60	1.183,51	1.483,15	2.666,67	353.570,44	41.570,44	46.429,56	88.000,00
34	353.570,44	1.178,57	1.488,10	2.666,67	352.082,34	42.749,01	47.917,66	90.666,67
35	352.082,34	1.173,61	1.493,06	2.666,67	350.589,29	43.922,62	49.410,71	93.333,33
36	350.589,29	1.168,63	1.498,04	2.666,67	349.091,25	45.091,25	50.908,75	96.000,00
37	349.091,25	1.163,64	1.503,03	2.666,67	347.588,22	46.254,89	52.411,78	98.666,67
38	347.588,22	1.158,63	1.508,04	2.666,67	346.080,18	47.413,52	53.919,82	101.333,33
39	346.080,18	1.153,60	1.513,07	2.666,67	344.567,12	48.567,12	55.432,88	104.000,00
40	344.567,12	1.148,56	1.518,11	2.666,67	343.049,01	49.715,67	56.950,99	106.666,67
41	343.049,01	1.143,50	1.523,17	2.666,67	341.525,84	50.859,17	58.474,16	109.333,33
42	341.525,84	1.138,42	1.528,25	2.666,67	339.997,59	51.997,59	60.002,41	112.000,00
43	339.997,59	1.133,33	1.533,34	2.666,67	338.464,25	53.130,91	61.535,75	114.666,67
44	338.464,25	1.128,21	1.538,45	2.666,67	336.925,80	54.259,13	63.074,20	117.333,33
45	336.925,80	1.123,09	1.543,58	2.666,67	335.382,21	55.382,21	64.617,79	120.000,00
46	335.382,21	1.117,94	1.548,73	2.666,67	333.833,49	56.500,16	66.166,51	122.666,67
47	333.833,49	1.112,78	1.553,89	2.666,67	332.279,60	57.612,93	67.720,40	125.333,33
48	332.279,60	1.107,60	1.559,07	2.666,67	330.720,53	58.720,53	69.279,47	128.000,00
49	330.720,53	1.102,40	1.564,26	2.666,67	329.156,27	59.822,93	70.843,73	130.666,67
50	329.156,27	1.097,19	1.569,48	2.666,67	327.586,79	60.920,12	72.413,21	133.333,33
51	327.586,79	1.091,96	1.574,71	2.666,67	326.012,08	62.012,08	73.987,92	136.000,00
52	326.012,08	1.086,71	1.579,96	2.666,67	324.432,12	63.098,78	75.567,88	138.666,67
53	324.432,12	1.081,44	1.585,23	2.666,67	322.846,89	64.180,22	77.153,11	141.333,33
54	322.846,89	1.076,16	1.590,51	2.666,67	321.256,38	65.256,38	78.743,62	144.000,00
55	321.256,38	1.070,85	1.595,81	2.666,67	319.660,57	66.327,24	80.339,43	146.666,67
56	319.660,57	1.065,54	1.601,13	2.666,67	318.059,44	67.392,77	81.940,56	149.333,33
57	318.059,44	1.060,20	1.606,47	2.666,67	316.452,97	68.452,97	83.547,03	152.000,00
58	316.452,97	1.054,84	1.611,82	2.666,67	314.841,15	69.507,81	85.158,85	154.666,67
59	314.841,15	1.049,47	1.617,20	2.666,67	313.223,95	70.557,28	86.776,05	157.333,33
60	313.223,95	1.044,08	1.622,59	2.666,67	311.601,36	71.601,36	88.398,64	160.000,00
61	311.601,36	1.038,67	1.628,00	2.666,67	309.973,37	72.640,03	90.026,63	162.666,67
62	309.973,37	1.033,24	1.633,42	2.666,67	308.339,94	73.673,28	91.660,06	165.333,33
63	308.339,94	1.027,80	1.638,87	2.666,67	306.701,08	74.701,08	93.298,92	168.000,00
64	306.701,08	1.022,34	1.644,33	2.666,67	305.056,75	75.723,41	94.943,25	170.666,67
65	305.056,75	1.016,86	1.649,81	2.666,67	303.406,94	76.740,27	96.593,06	173.333,33
66	303.406,94	1.011,36	1.655,31	2.666,67	301.751,63	77.751,63	98.248,37	176.000,00
67	301.751,63	1.005,84	1.660,83	2.666,67	300.090,80	78.757,47	99.909,20	178.666,67
68	300.090,80	1.000,30	1.666,36	2.666,67	298.424,44	79.757,77	101.575,56	181.333,33
69	298.424,44	994,75	1.671,92	2.666,67	296.752,52	80.752,52	103.247,48	184.000,00
70	296.752,52	989,18	1.677,49	2.666,67	295.075,03	81.741,69	104.924,97	186.666,67
71	295.075,03	983,58	1.683,08	2.666,67	293.391,94	82.725,28	106.608,06	189.333,33
72	293.391,94	977,97	1.688,69	2.666,67	291.703,25	83.703,25	108.296,75	192.000,00
73	291.703,25	972,34	1.694,32	2.666,67	290.008,93	84.675,59	109.991,07	194.666,67
74	290.008,93	966,70	1.699,97	2.666,67	288.308,96	85.642,29	111.691,04	197.333,33
75	288.308,96	961,03	1.705,64	2.666,67	286.603,32	86.603,32	113.396,68	200.000,00
76	286.603,32	955,34	1.711,32	2.666,67	284.892,00	87.558,66	115.108,00	202.666,67
77	284.892,00	949,64	1.717,03	2.666,67	283.174,97	88.508,30	116.825,03	205.333,33
78	283.174,97	943,92	1.722,75	2.666,67	281.452,22	89.452,22	118.547,78	208.000,00
79	281.452,22	938,17	1.728,49	2.666,67	279.723,73	90.390,39	120.276,27	210.666,67
80	279.723,73	932,41	1.734,25	2.666,67	277.989,47	91.322,81	122.010,53	213.333,33
81	277.989,47	926,63	1.740,04	2.666,67	276.249,44	92.249,44	123.750,56	216.000,00
82	276.249,44	920,83	1.745,84	2.666,67	274.503,60	93.170,27	125.496,40	218.666,67
83	274.503,60	915,01	1.751,65	2.666,67	272.751,95	94.085,28	127.248,05	221.333,33
84	272.751,95	909,17	1.757,49	2.666,67	270.994,45	94.994,45	129.005,55	224.000,00
85	270.994,45	903,31	1.763,35	2.666,67	269.231,10	95.897,77	130.768,90	226.666,67
86	269.231,10	897,44	1.769,23	2.666,67	267.461,87	96.795,21	132.538,13	229.333,33
87	267.461,87	891,54	1.775,13	2.666,67	265.686,75	97.686,75	134.313,25	232.000,00
88	265.686,75	885,62	1.781,04	2.666,67	263.905,70	98.572,37	136.094,30	234.666,67
89	263.905,70	879,69	1.786,98	2.666,67	262.118,72	99.452,05	137.881,28	237.333,33
90	262.118,72	873,73	1.792,94	2.666,67	260.325,78	100.325,78	139.674,22	240.000,00
91	260.325,78	867,75	1.798,91	2.666,67	258.526,87	101.193,54	141.473,13	242.666,67
92	258.526,87	861,76	1.804,91	2.666,67	256.721,96	102.055,29	143.278,04	245.333,33
93	256.721,96	855,74	1.810,93	2.666,67	254.911,03	102.911,03	145.088,97	248.000,00
94	254.911,03	849,70	1.816,96	2.666,67	253.094,07	103.760,74	146.905,93	250.666,67
95	253.094,07	843,65	1.823,02	2.666,67	251.271,05	104.604,38	148.728,95	253.333,33
96	251.271,05	837,57	1.829,10	2.666,67	249.441,95	105.441,95	150.558,05	256.000,00
97	249.441,95	831,47	1.835,19	2.666,67	247.606,76	106.273,43	152.393,24	258.666,67
98	247.606,76	825,36	1.841,31	2.666,67	245.765,45	107.098,78	154.234,55	261.333,33
99	245.765,45	819,22	1.847,45	2.666,67	243.918,00	107.918,00	156.082,00	264.000,00
100	243.918,00	813,06	1.853,61	2.666,67	242.064,39	108.731,06	157.935,61	266.666,67
101	242.064,39	806,88	1.859,79	2.666,67	240.204,61	109.537,94	159.795,39	269.333,33
102	240.204,61	800,68	1.865,98	2.666,67	238.338,62	110.338,62	161.661,38	272.000,00
103	238.338,62	794,46	1.872,20	2.666,67	236.466,42	111.133,08	163.533,58	274.666,67
104	236.466,42	788,22	1.878,45	2.666,67	234.587,97	111.921,31	165.412,03	277.333,33
105	234.587,97	781,96	1.884,71	2.666,67	232.703,27	112.703,27	167.296,73	280.000,00
106	232.703,27	775,68	1.890,99	2.666,67	230.812,28	113.478,94	169.187,72	282.666,67
107	230.812,28	769,37	1.897,29	2.666,67	228.914,98	114.248,32	171.085,02	285.333,33
108	228.914,98	763,05	1.903,62	2.666,67	227.011,37	115.011,37	172.988,63	288.000,00
109	227.011,37	756,70	1.909,96	2.666,67	225.101,41	115.768,07	174.898,59	290.666,67
110	225.101,41	750,34	1.916,33	2.666,67	223.185,08	116.518,41	176.814,92	293.333,33
111	223.185,08	743,95	1.922,72	2.666,67	221.262,36	117.262,36	178.737,64	296.000,00
112	221.262,36	737,54	1.929,13	2.666,67	219.333,24	117.999,90	180.666,76	298.666,67
113	219.333,24	731,11	1.935,56	2.666,67	217.397,68	118.731,01	182.602,32	301.333,33
114	217.397,68	724,66	1.942,01	2.666,67	215.455,67	119.455,67	184.544,33	304.000,00
115	215.455,67	718,19	1.948,48	2.666,67	213.507,19	120.173,86	186.492,81	306.666,67
116	213.507,19	711,69	1.954,98	2.666,67	211.552,21	120.885,55	188.447,79	309.333,33
117	211.552,21	705,17	1.961,49	2.666,67	209.590,72	121.590,72	190.409,28	312.000,00
118	209.590,72	698,64	1.968,03	2.666,67	207.622,69	122.289,36	192.377,31	314.666,67
119	207.622,69	692,08	1.974,59	2.666,67	205.648,10	122.981,43	194.351,90	317.333,33
120	205.648,10	685,49	1.981,17	2.666,67	203.666,93	123.666,93	196.333,07	320.000,00
121	203.666,93	678,89	1.987,78	2.666,67	201.679,15	124.345,82	198.320,85	322.666,67
122	201.679,15	672,26	1.994,40	2.666,67	199.684,75	125.018,08	200.315,25	325.333,33
123	199.684,75	665,62	2.001,05	2.666,67	197.683,70	125.683,70	202.316,30	328.000,00
124	197.683,70	658,95	2.007,72	2.666,67	195.675,98	126.342,64	204.324,02	330.666,67
125	195.675,98	652,25	2.014,41	2.666,67	193.661,56	126.994,90	206.338,44	333.333,33
126	193.661,56	645,54	2.021,13	2.666,67	191.640,43	127.640,43	208.359,57	336.000,00
127	191.640,43	638,80	2.027,87	2.666,67	189.612,57	128.279,24	210.387,43	338.666,67
128	189.612,57	632,04	2.034,62	2.666,67	187.577,94	128.911,28	212.422,06	341.333,33
129	187.577,94	625,26	2.041,41	2.666,67	185.536,54	129.536,54	214.463,46	344.000,00
130	185.536,54	618,46	2.048,21	2.666,67	183.488,33	130.154,99	216.511,67	346.666,67
131	183.488,33	611,63	2.055,04	2.666,67	181.433,29	130.766,62	218.566,71	349.333,33
132	181.433,29	604,78	2.061,89	2.666,67	179.371,40	131.371,40	220.628,60	352.000,00
133	179.371,40	597,90	2.068,76	2.666,67	177.302,64	131.969,30	222.697,36	354.666,67
134	177.302,64	591,01	2.075,66	2.666,67	175.226,98	132.560,31	224.773,02	357.333,33
135	175.226,98	584,09	2.082,58	2.666,67	173.144,40	133.144,40	226.855,60	360.000,00
136	173.144,40	577,15	2.089,52	2.666,67	171.054,88	133.721,55	228.945,12	362.666,67
137	171.054,88	570,18	2.096,48	2.666,67	168.958,40	134.291,73	231.041,60	365.333,33
138	168.958,40	563,19	2.103,47	2.666,67	166.854,93	134.854,93	233.145,07	368.000,00
139	166.854,93	556,18	2.110,48	2.666,67	164.744,44	135.411,11	235.255,56	370.666,67
140	164.744,44	549,15	2.117,52	2.666,67	162.626,92	135.960,26	237.373,08	373.333,33
141	162.626,92	542,09	2.124,58	2.666,67	160.502,35	136.502,35	239.497,65	376.000,00
142	160.502,35	535,01	2.131,66	2.666,67	158.370,69	137.037,36	241.629,31	378.666,67
143	158.370,69	527,90	2.138,76	2.666,67	156.231,92	137.565,26	243.768,08	381.333,33
144	156.231,92	520,77	2.145,89	2.666,67	154.086,03	138.086,03	245.913,97	384.000,00
145	154.086,03	513,62	2.153,05	2.666,67	151.932,98	138.599,65	248.067,02	386.666,67
146	151.932,98	506,44	2.160,22	2.666,67	149.772,76	139.106,09	250.227,24	389.333,33
147	149.772,76	499,24	2.167,42	2.666,67	147.605,34	139.605,34	252.394,66	392.000,00
148	147.605,34	492,02	2.174,65	2.666,67	145.430,69	140.097,35	254.569,31	394.666,67
149	145.430,69	484,77	2.181,90	2.666,67	143.248,79	140.582,12	256.751,21	397.333,33
150	143.248,79	477,50	2.189,17	2.666,67	141.059,62	141.059,62	258.940,38	400.000,00
151	141.059,62	470,20	2.196,47	2.666,67	138.863,15	141.529,82	261.136,85	402.666,67
152	138.863,15	462,88	2.203,79	2.666,67	136.659,36	141.992,70	263.340,64	405.333,33
153	136.659,36	455,53	2.211,14	2.666,67	134.448,23	142.448,23	265.551,77	408.000,00
154	134.448,23	448,16	2.218,51	2.666,67	132.229,72	142.896,39	267.770,28	410.666,67
155	132.229,72	440,77	2.225,90	2.666,67	130.003,82	143.337,15	269.996,18	413.333,33
156	130.003,82	433,35	2.233,32	2.666,67	127.770,50	143.770,50	272.229,50	416.000,00
157	127.770,50	425,90	2.240,77	2.666,67	125.529,73	144.196,40	274.470,27	418.666,67
158	125.529,73	418,43	2.248,23	2.666,67	123.281,50	144.614,83	276.718,50	421.333,33
159	123.281,50	410,94	2.255,73	2.666,67	121.025,77	145.025,77	278.974,23	424.000,00
160	121.025,77	403,42	2.263,25	2.666,67	118.762,52	145.429,19	281.237,48	426.666,67
161	118.762,52	395,88	2.270,79	2.666,67	116.491,73	145.825,07	283.508,27	429.333,33
162	116.491,73	388,31	2.278,36	2.666,67	114.213,37	146.213,37	285.786,63	432.000,00
163	114.213,37	380,71	2.285,96	2.666,67	111.927,42	146.594,08	288.072,58	434.666,67
164	111.927,42	373,09	2.293,58	2.666,67	109.633,84	146.967,17	290.366,16	437.333,33
165	109.633,84	365,45	2.301,22	2.666,67	107.332,62	147.332,62	292.667,38	440.000,00
166	107.332,62	357,78	2.308,89	2.666,67	105.023,73	147.690,40	294.976,27	442.666,67
167	105.023,73	350,08	2.316,59	2.666,67	102.707,14	148.040,47	297.292,86	445.333,33
168	102.707,14	342,36	2.324,31	2.666,67	100.382,83	148.382,83	299.617,17	448.000,00
169	100.382,83	334,61	2.332,06	2.666,67	98.050,77	148.717,44	301.949,23	450.666,67
170	98.050,77	326,84	2.339,83	2.666,67	95.710,94	149.044,28	304.289,06	453.333,33
171	95.710,94	319,04	2.347,63	2.666,67	93.363,31	149.363,31	306.636,69	456.000,00
172	93.363,31	311,21	2.355,46	2.666,67	91.007,86	149.674,52	308.992,14	458.666,67
173	91.007,86	303,36	2.363,31	2.666,67	88.644,55	149.977,88	311.355,45	461.333,33
174	88.644,55	295,48	2.371,18	2.666,67	86.273,37	150.273,37	313.726,63	464.000,00
175	86.273,37	287,58	2.379,09	2.666,67	83.894,28	150.560,94	316.105,72	466.666,67
176	83.894,28	279,65	2.387,02	2.666,67	81.507,26	150.840,59	318.492,74	469.333,33
177	81.507,26	271,69	2.394,98	2.666,67	79.112,28	151.112,28	320.887,72	472.000,00
178	79.112,28	263,71	2.402,96	2.666,67	76.709,32	151.375,99	323.290,68	474.666,67
179	76.709,32	255,70	2.410,97	2.666,67	74.298,35	151.631,69	325.701,65	477.333,33
180	74.298,35	247,66	2.419,01	2.666,67	71.879,35	151.879,35	328.120,65	480.000,00
181	71.879,35	239,60	2.427,07	2.666,67	69.452,28	152.118,95	330.547,72	482.666,67
182	69.452,28	231,51	2.435,16	2.666,67	67.017,12	152.350,45	332.982,88	485.333,33
183	67.017,12	223,39	2.443,28	2.666,67	64.573,84	152.573,84	335.426,16	488.000,00
184	64.573,84	215,25	2.451,42	2.666,67	62.122,42	152.789,09	337.877,58	490.666,67
185	62.122,42	207,07	2.459,59	2.666,67	59.662,83	152.996,17	340.337,17	493.333,33
186	59.662,83	198,88	2.467,79	2.666,67	57.195,04	153.195,04	342.804,96	496.000,00
187	57.195,04	190,65	2.476,02	2.666,67	54.719,03	153.385,69	345.280,97	498.666,67
188	54.719,03	182,40	2.484,27	2.666,67	52.234,76	153.568,09	347.765,24	501.333,33
189	52.234,76	174,12	2.492,55	2.666,67	49.742,20	153.742,20	350.257,80	504.000,00
190	49.742,20	165,81	2.500,86	2.666,67	47.241,35	153.908,01	352.758,65	506.666,67
191	47.241,35	157,47	2.509,20	2.666,67	44.732,15	154.065,48	355.267,85	509.333,33
192	44.732,15	149,11	2.517,56	2.666,67	42.214,59	154.214,59	357.785,41	512.000,00
193	42.214,59	140,72	2.525,95	2.666,67	39.688,64	154.355,31	360.311,36	514.666,67
194	39.688,64	132,30	2.534,37	2.666,67	37.154,27	154.487,60	362.845,73	517.333,33
195	37.154,27	123,85	2.542,82	2.666,67	34.611,45	154.611,45	365.388,55	520.000,00
196	34.611,45	115,37	2.551,30	2.666,67	32.060,15	154.726,82	367.939,85	522.666,67
197	32.060,15	106,87	2.559,80	2.666,67	29.500,35	154.833,69	370.499,65	525.333,33
198	29.500,35	98,33	2.568,33	2.666,67	26.932,02	154.932,02	373.067,98	528.000,00
199	26.932,02	89,77	2.576,89	2.666,67	24.355,13	155.021,80	375.644,87	530.666,67
200	24.355,13	81,18	2.585,48	2.666,67	21.769,65	155.102,98	378.230,35	533.333,33
201	21.769,65	72,57	2.594,10	2.666,67	19.175,54	155.175,54	380.824,46	536.000,00
202	19.175,54	63,92	2.602,75	2.666,67	16.572,80	155.239,46	383.427,20	538.666,67
203	16.572,80	55,24	2.611,42	2.666,67	13.961,37	155.294,71	386.038,63	541.333,33
204	13.961,37	46,54	2.620,13	2.666,67	11.341,24	155.341,24	388.658,76	544.000,00
205	11.341,24	37,80	2.628,86	2.666,67	8.712,38	155.379,05	391.287,62	546.666,67
206	8.712,38	29,04	2.637,63	2.666,67	6.074,76	155.408,09	393.925,24	549.333,33
207	6.074,76	20,25	2.646,42	2.666,67	3.428,34	155.428,34	396.571,66	552.000,00
208	3.428,34	11,43	2.655,24	2.666,67	773,10	155.439,77	399.226,90	554.666,67
209	773,10	2,58	773,10	773,10	773,10	155.442,34	400.000,00	555.442,34

ING Baufinanzierung

3.65/5,00

159.444,67€
Zinsanteil

2.710,00€
Monatsrate

4,13%
Sollzins p.a.

4,23%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 300.000,00 €;Kreditrate: 1.817,50 €;Gesamtbetrag: 327.150,00 €;Anzahl Kreditraten: 180;Laufzeit: 251 Monate;Effektiver Jahreszins: 4,38 %;Gebundener Sollzins: 4,27 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.376,67	1.333,33	2.710,00	398.666,67	1.376,67	1.333,33	2.710,00
2	398.666,67	1.372,08	1.337,92	2.710,00	397.328,74	2.748,74	2.671,26	5.420,00
3	397.328,74	1.367,47	1.342,53	2.710,00	395.986,22	4.116,22	4.013,78	8.130,00
4	395.986,22	1.362,85	1.347,15	2.710,00	394.639,07	5.479,07	5.360,93	10.840,00
5	394.639,07	1.358,22	1.351,78	2.710,00	393.287,29	6.837,29	6.712,71	13.550,00
6	393.287,29	1.353,56	1.356,44	2.710,00	391.930,85	8.190,85	8.069,15	16.260,00
7	391.930,85	1.348,90	1.361,10	2.710,00	390.569,75	9.539,75	9.430,25	18.970,00
8	390.569,75	1.344,21	1.365,79	2.710,00	389.203,96	10.883,96	10.796,04	21.680,00
9	389.203,96	1.339,51	1.370,49	2.710,00	387.833,47	12.223,47	12.166,53	24.390,00
10	387.833,47	1.334,79	1.375,21	2.710,00	386.458,26	13.558,26	13.541,74	27.100,00
11	386.458,26	1.330,06	1.379,94	2.710,00	385.078,32	14.888,32	14.921,68	29.810,00
12	385.078,32	1.325,31	1.384,69	2.710,00	383.693,63	16.213,63	16.306,37	32.520,00
13	383.693,63	1.320,55	1.389,45	2.710,00	382.304,18	17.534,18	17.695,82	35.230,00
14	382.304,18	1.315,76	1.394,24	2.710,00	380.909,94	18.849,94	19.090,06	37.940,00
15	380.909,94	1.310,97	1.399,03	2.710,00	379.510,91	20.160,91	20.489,09	40.650,00
16	379.510,91	1.306,15	1.403,85	2.710,00	378.107,06	21.467,06	21.892,94	43.360,00
17	378.107,06	1.301,32	1.408,68	2.710,00	376.698,37	22.768,37	23.301,63	46.070,00
18	376.698,37	1.296,47	1.413,53	2.710,00	375.284,84	24.064,84	24.715,16	48.780,00
19	375.284,84	1.291,61	1.418,39	2.710,00	373.866,45	25.356,45	26.133,55	51.490,00
20	373.866,45	1.286,72	1.423,28	2.710,00	372.443,17	26.643,17	27.556,83	54.200,00
21	372.443,17	1.281,83	1.428,17	2.710,00	371.015,00	27.925,00	28.985,00	56.910,00
22	371.015,00	1.276,91	1.433,09	2.710,00	369.581,91	29.201,91	30.418,09	59.620,00
23	369.581,91	1.271,98	1.438,02	2.710,00	368.143,89	30.473,89	31.856,11	62.330,00
24	368.143,89	1.267,03	1.442,97	2.710,00	366.700,92	31.740,92	33.299,08	65.040,00
25	366.700,92	1.262,06	1.447,94	2.710,00	365.252,98	33.002,98	34.747,02	67.750,00
26	365.252,98	1.257,08	1.452,92	2.710,00	363.800,06	34.260,06	36.199,94	70.460,00
27	363.800,06	1.252,08	1.457,92	2.710,00	362.342,13	35.512,13	37.657,87	73.170,00
28	362.342,13	1.247,06	1.462,94	2.710,00	360.879,20	36.759,20	39.120,80	75.880,00
29	360.879,20	1.242,03	1.467,97	2.710,00	359.411,22	38.001,22	40.588,78	78.590,00
30	359.411,22	1.236,97	1.473,03	2.710,00	357.938,20	39.238,20	42.061,80	81.300,00
31	357.938,20	1.231,90	1.478,10	2.710,00	356.460,10	40.470,10	43.539,90	84.010,00
32	356.460,10	1.226,82	1.483,18	2.710,00	354.976,92	41.696,92	45.023,08	86.720,00
33	354.976,92	1.221,71	1.488,29	2.710,00	353.488,63	42.918,63	46.511,37	89.430,00
34	353.488,63	1.216,59	1.493,41	2.710,00	351.995,22	44.135,22	48.004,78	92.140,00
35	351.995,22	1.211,45	1.498,55	2.710,00	350.496,67	45.346,67	49.503,33	94.850,00
36	350.496,67	1.206,29	1.503,71	2.710,00	348.992,96	46.552,96	51.007,04	97.560,00
37	348.992,96	1.201,12	1.508,88	2.710,00	347.484,08	47.754,08	52.515,92	100.270,00
38	347.484,08	1.195,92	1.514,08	2.710,00	345.970,00	48.950,00	54.030,00	102.980,00
39	345.970,00	1.190,71	1.519,29	2.710,00	344.450,72	50.140,72	55.549,28	105.690,00
40	344.450,72	1.185,48	1.524,52	2.710,00	342.926,20	51.326,20	57.073,80	108.400,00
41	342.926,20	1.180,24	1.529,76	2.710,00	341.396,44	52.506,44	58.603,56	111.110,00
42	341.396,44	1.174,97	1.535,03	2.710,00	339.861,41	53.681,41	60.138,59	113.820,00
43	339.861,41	1.169,69	1.540,31	2.710,00	338.321,10	54.851,10	61.678,90	116.530,00
44	338.321,10	1.164,39	1.545,61	2.710,00	336.775,49	56.015,49	63.224,51	119.240,00
45	336.775,49	1.159,07	1.550,93	2.710,00	335.224,56	57.174,56	64.775,44	121.950,00
46	335.224,56	1.153,73	1.556,27	2.710,00	333.668,29	58.328,29	66.331,71	124.660,00
47	333.668,29	1.148,38	1.561,62	2.710,00	332.106,66	59.476,66	67.893,34	127.370,00
48	332.106,66	1.143,00	1.567,00	2.710,00	330.539,67	60.619,67	69.460,33	130.080,00
49	330.539,67	1.137,61	1.572,39	2.710,00	328.967,27	61.757,27	71.032,73	132.790,00
50	328.967,27	1.132,20	1.577,80	2.710,00	327.389,47	62.889,47	72.610,53	135.500,00
51	327.389,47	1.126,77	1.583,23	2.710,00	325.806,23	64.016,23	74.193,77	138.210,00
52	325.806,23	1.121,32	1.588,68	2.710,00	324.217,55	65.137,55	75.782,45	140.920,00
53	324.217,55	1.115,85	1.594,15	2.710,00	322.623,40	66.253,40	77.376,60	143.630,00
54	322.623,40	1.110,36	1.599,64	2.710,00	321.023,76	67.363,76	78.976,24	146.340,00
55	321.023,76	1.104,86	1.605,14	2.710,00	319.418,62	68.468,62	80.581,38	149.050,00
56	319.418,62	1.099,33	1.610,67	2.710,00	317.807,95	69.567,95	82.192,05	151.760,00
57	317.807,95	1.093,79	1.616,21	2.710,00	316.191,74	70.661,74	83.808,26	154.470,00
58	316.191,74	1.088,23	1.621,77	2.710,00	314.569,97	71.749,97	85.430,03	157.180,00
59	314.569,97	1.082,64	1.627,36	2.710,00	312.942,61	72.832,61	87.057,39	159.890,00
60	312.942,61	1.077,04	1.632,96	2.710,00	311.309,66	73.909,66	88.690,34	162.600,00
61	311.309,66	1.071,42	1.638,58	2.710,00	309.671,08	74.981,08	90.328,92	165.310,00
62	309.671,08	1.065,78	1.644,22	2.710,00	308.026,86	76.046,86	91.973,14	168.020,00
63	308.026,86	1.060,13	1.649,87	2.710,00	306.376,99	77.106,99	93.623,01	170.730,00
64	306.376,99	1.054,45	1.655,55	2.710,00	304.721,44	78.161,44	95.278,56	173.440,00
65	304.721,44	1.048,75	1.661,25	2.710,00	303.060,19	79.210,19	96.939,81	176.150,00
66	303.060,19	1.043,03	1.666,97	2.710,00	301.393,22	80.253,22	98.606,78	178.860,00
67	301.393,22	1.037,29	1.672,71	2.710,00	299.720,51	81.290,51	100.279,49	181.570,00
68	299.720,51	1.031,54	1.678,46	2.710,00	298.042,05	82.322,05	101.957,95	184.280,00
69	298.042,05	1.025,76	1.684,24	2.710,00	296.357,81	83.347,81	103.642,19	186.990,00
70	296.357,81	1.019,96	1.690,04	2.710,00	294.667,78	84.367,78	105.332,22	189.700,00
71	294.667,78	1.014,15	1.695,85	2.710,00	292.971,93	85.381,93	107.028,07	192.410,00
72	292.971,93	1.008,31	1.701,69	2.710,00	291.270,24	86.390,24	108.729,76	195.120,00
73	291.270,24	1.002,46	1.707,54	2.710,00	289.562,69	87.392,69	110.437,31	197.830,00
74	289.562,69	996,58	1.713,42	2.710,00	287.849,27	88.389,27	112.150,73	200.540,00
75	287.849,27	990,68	1.719,32	2.710,00	286.129,95	89.379,95	113.870,05	203.250,00
76	286.129,95	984,76	1.725,24	2.710,00	284.404,72	90.364,72	115.595,28	205.960,00
77	284.404,72	978,83	1.731,17	2.710,00	282.673,54	91.343,54	117.326,46	208.670,00
78	282.673,54	972,87	1.737,13	2.710,00	280.936,41	92.316,41	119.063,59	211.380,00
79	280.936,41	966,89	1.743,11	2.710,00	279.193,30	93.283,30	120.806,70	214.090,00
80	279.193,30	960,89	1.749,11	2.710,00	277.444,19	94.244,19	122.555,81	216.800,00
81	277.444,19	954,87	1.755,13	2.710,00	275.689,06	95.199,06	124.310,94	219.510,00
82	275.689,06	948,83	1.761,17	2.710,00	273.927,89	96.147,89	126.072,11	222.220,00
83	273.927,89	942,77	1.767,23	2.710,00	272.160,66	97.090,66	127.839,34	224.930,00
84	272.160,66	936,69	1.773,31	2.710,00	270.387,35	98.027,35	129.612,65	227.640,00
85	270.387,35	930,58	1.779,42	2.710,00	268.607,93	98.957,93	131.392,07	230.350,00
86	268.607,93	924,46	1.785,54	2.710,00	266.822,39	99.882,39	133.177,61	233.060,00
87	266.822,39	918,31	1.791,69	2.710,00	265.030,70	100.800,70	134.969,30	235.770,00
88	265.030,70	912,15	1.797,85	2.710,00	263.232,85	101.712,85	136.767,15	238.480,00
89	263.232,85	905,96	1.804,04	2.710,00	261.428,81	102.618,81	138.571,19	241.190,00
90	261.428,81	899,75	1.810,25	2.710,00	259.618,56	103.518,56	140.381,44	243.900,00
91	259.618,56	893,52	1.816,48	2.710,00	257.802,08	104.412,08	142.197,92	246.610,00
92	257.802,08	887,27	1.822,73	2.710,00	255.979,35	105.299,35	144.020,65	249.320,00
93	255.979,35	881,00	1.829,00	2.710,00	254.150,34	106.180,34	145.849,66	252.030,00
94	254.150,34	874,70	1.835,30	2.710,00	252.315,05	107.055,05	147.684,95	254.740,00
95	252.315,05	868,38	1.841,62	2.710,00	250.473,43	107.923,43	149.526,57	257.450,00
96	250.473,43	862,05	1.847,95	2.710,00	248.625,48	108.785,48	151.374,52	260.160,00
97	248.625,48	855,69	1.854,31	2.710,00	246.771,16	109.641,16	153.228,84	262.870,00
98	246.771,16	849,30	1.860,70	2.710,00	244.910,47	110.490,47	155.089,53	265.580,00
99	244.910,47	842,90	1.867,10	2.710,00	243.043,37	111.333,37	156.956,63	268.290,00
100	243.043,37	836,47	1.873,53	2.710,00	241.169,84	112.169,84	158.830,16	271.000,00
101	241.169,84	830,03	1.879,97	2.710,00	239.289,87	112.999,87	160.710,13	273.710,00
102	239.289,87	823,56	1.886,44	2.710,00	237.403,42	113.823,42	162.596,58	276.420,00
103	237.403,42	817,06	1.892,94	2.710,00	235.510,49	114.640,49	164.489,51	279.130,00
104	235.510,49	810,55	1.899,45	2.710,00	233.611,03	115.451,03	166.388,97	281.840,00
105	233.611,03	804,01	1.905,99	2.710,00	231.705,05	116.255,05	168.294,95	284.550,00
106	231.705,05	797,45	1.912,55	2.710,00	229.792,50	117.052,50	170.207,50	287.260,00
107	229.792,50	790,87	1.919,13	2.710,00	227.873,37	117.843,37	172.126,63	289.970,00
108	227.873,37	784,26	1.925,74	2.710,00	225.947,63	118.627,63	174.052,37	292.680,00
109	225.947,63	777,64	1.932,36	2.710,00	224.015,27	119.405,27	175.984,73	295.390,00
110	224.015,27	770,99	1.939,01	2.710,00	222.076,25	120.176,25	177.923,75	298.100,00
111	222.076,25	764,31	1.945,69	2.710,00	220.130,57	120.940,57	179.869,43	300.810,00
112	220.130,57	757,62	1.952,38	2.710,00	218.178,18	121.698,18	181.821,82	303.520,00
113	218.178,18	750,90	1.959,10	2.710,00	216.219,08	122.449,08	183.780,92	306.230,00
114	216.219,08	744,15	1.965,85	2.710,00	214.253,23	123.193,23	185.746,77	308.940,00
115	214.253,23	737,39	1.972,61	2.710,00	212.280,62	123.930,62	187.719,38	311.650,00
116	212.280,62	730,60	1.979,40	2.710,00	210.301,22	124.661,22	189.698,78	314.360,00
117	210.301,22	723,79	1.986,21	2.710,00	208.315,01	125.385,01	191.684,99	317.070,00
118	208.315,01	716,95	1.993,05	2.710,00	206.321,96	126.101,96	193.678,04	319.780,00
119	206.321,96	710,09	1.999,91	2.710,00	204.322,05	126.812,05	195.677,95	322.490,00
120	204.322,05	703,21	2.006,79	2.710,00	202.315,26	127.515,26	197.684,74	325.200,00
121	202.315,26	696,30	2.013,70	2.710,00	200.301,56	128.211,56	199.698,44	327.910,00
122	200.301,56	689,37	2.020,63	2.710,00	198.280,93	128.900,93	201.719,07	330.620,00
123	198.280,93	682,42	2.027,58	2.710,00	196.253,35	129.583,35	203.746,65	333.330,00
124	196.253,35	675,44	2.034,56	2.710,00	194.218,78	130.258,78	205.781,22	336.040,00
125	194.218,78	668,44	2.041,56	2.710,00	192.177,22	130.927,22	207.822,78	338.750,00
126	192.177,22	661,41	2.048,59	2.710,00	190.128,63	131.588,63	209.871,37	341.460,00
127	190.128,63	654,36	2.055,64	2.710,00	188.072,99	132.242,99	211.927,01	344.170,00
128	188.072,99	647,28	2.062,72	2.710,00	186.010,27	132.890,27	213.989,73	346.880,00
129	186.010,27	640,19	2.069,81	2.710,00	183.940,46	133.530,46	216.059,54	349.590,00
130	183.940,46	633,06	2.076,94	2.710,00	181.863,52	134.163,52	218.136,48	352.300,00
131	181.863,52	625,91	2.084,09	2.710,00	179.779,44	134.789,44	220.220,56	355.010,00
132	179.779,44	618,74	2.091,26	2.710,00	177.688,18	135.408,18	222.311,82	357.720,00
133	177.688,18	611,54	2.098,46	2.710,00	175.589,72	136.019,72	224.410,28	360.430,00
134	175.589,72	604,32	2.105,68	2.710,00	173.484,04	136.624,04	226.515,96	363.140,00
135	173.484,04	597,07	2.112,93	2.710,00	171.371,12	137.221,12	228.628,88	365.850,00
136	171.371,12	589,80	2.120,20	2.710,00	169.250,92	137.810,92	230.749,08	368.560,00
137	169.250,92	582,51	2.127,49	2.710,00	167.123,42	138.393,42	232.876,58	371.270,00
138	167.123,42	575,18	2.134,82	2.710,00	164.988,61	138.968,61	235.011,39	373.980,00
139	164.988,61	567,84	2.142,16	2.710,00	162.846,44	139.536,44	237.153,56	376.690,00
140	162.846,44	560,46	2.149,54	2.710,00	160.696,90	140.096,90	239.303,10	379.400,00
141	160.696,90	553,07	2.156,93	2.710,00	158.539,97	140.649,97	241.460,03	382.110,00
142	158.539,97	545,64	2.164,36	2.710,00	156.375,61	141.195,61	243.624,39	384.820,00
143	156.375,61	538,19	2.171,81	2.710,00	154.203,80	141.733,80	245.796,20	387.530,00
144	154.203,80	530,72	2.179,28	2.710,00	152.024,52	142.264,52	247.975,48	390.240,00
145	152.024,52	523,22	2.186,78	2.710,00	149.837,74	142.787,74	250.162,26	392.950,00
146	149.837,74	515,69	2.194,31	2.710,00	147.643,43	143.303,43	252.356,57	395.660,00
147	147.643,43	508,14	2.201,86	2.710,00	145.441,57	143.811,57	254.558,43	398.370,00
148	145.441,57	500,56	2.209,44	2.710,00	143.232,13	144.312,13	256.767,87	401.080,00
149	143.232,13	492,96	2.217,04	2.710,00	141.015,09	144.805,09	258.984,91	403.790,00
150	141.015,09	485,33	2.224,67	2.710,00	138.790,42	145.290,42	261.209,58	406.500,00
151	138.790,42	477,67	2.232,33	2.710,00	136.558,09	145.768,09	263.441,91	409.210,00
152	136.558,09	469,99	2.240,01	2.710,00	134.318,07	146.238,07	265.681,93	411.920,00
153	134.318,07	462,28	2.247,72	2.710,00	132.070,35	146.700,35	267.929,65	414.630,00
154	132.070,35	454,54	2.255,46	2.710,00	129.814,90	147.154,90	270.185,10	417.340,00
155	129.814,90	446,78	2.263,22	2.710,00	127.551,67	147.601,67	272.448,33	420.050,00
156	127.551,67	438,99	2.271,01	2.710,00	125.280,66	148.040,66	274.719,34	422.760,00
157	125.280,66	431,17	2.278,83	2.710,00	123.001,84	148.471,84	276.998,16	425.470,00
158	123.001,84	423,33	2.286,67	2.710,00	120.715,17	148.895,17	279.284,83	428.180,00
159	120.715,17	415,46	2.294,54	2.710,00	118.420,63	149.310,63	281.579,37	430.890,00
160	118.420,63	407,56	2.302,44	2.710,00	116.118,20	149.718,20	283.881,80	433.600,00
161	116.118,20	399,64	2.310,36	2.710,00	113.807,84	150.117,84	286.192,16	436.310,00
162	113.807,84	391,69	2.318,31	2.710,00	111.489,53	150.509,53	288.510,47	439.020,00
163	111.489,53	383,71	2.326,29	2.710,00	109.163,23	150.893,23	290.836,77	441.730,00
164	109.163,23	375,70	2.334,30	2.710,00	106.828,94	151.268,94	293.171,06	444.440,00
165	106.828,94	367,67	2.342,33	2.710,00	104.486,61	151.636,61	295.513,39	447.150,00
166	104.486,61	359,61	2.350,39	2.710,00	102.136,22	151.996,22	297.863,78	449.860,00
167	102.136,22	351,52	2.358,48	2.710,00	99.777,73	152.347,73	300.222,27	452.570,00
168	99.777,73	343,40	2.366,60	2.710,00	97.411,14	152.691,14	302.588,86	455.280,00
169	97.411,14	335,26	2.374,74	2.710,00	95.036,39	153.026,39	304.963,61	457.990,00
170	95.036,39	327,08	2.382,92	2.710,00	92.653,48	153.353,48	307.346,52	460.700,00
171	92.653,48	318,88	2.391,12	2.710,00	90.262,36	153.672,36	309.737,64	463.410,00
172	90.262,36	310,65	2.399,35	2.710,00	87.863,01	153.983,01	312.136,99	466.120,00
173	87.863,01	302,40	2.407,60	2.710,00	85.455,41	154.285,41	314.544,59	468.830,00
174	85.455,41	294,11	2.415,89	2.710,00	83.039,52	154.579,52	316.960,48	471.540,00
175	83.039,52	285,79	2.424,21	2.710,00	80.615,31	154.865,31	319.384,69	474.250,00
176	80.615,31	277,45	2.432,55	2.710,00	78.182,76	155.142,76	321.817,24	476.960,00
177	78.182,76	269,08	2.440,92	2.710,00	75.741,84	155.411,84	324.258,16	479.670,00
178	75.741,84	260,68	2.449,32	2.710,00	73.292,52	155.672,52	326.707,48	482.380,00
179	73.292,52	252,25	2.457,75	2.710,00	70.834,77	155.924,77	329.165,23	485.090,00
180	70.834,77	243,79	2.466,21	2.710,00	68.368,56	156.168,56	331.631,44	487.800,00
181	68.368,56	235,30	2.474,70	2.710,00	65.893,86	156.403,86	334.106,14	490.510,00
182	65.893,86	226,78	2.483,22	2.710,00	63.410,64	156.630,64	336.589,36	493.220,00
183	63.410,64	218,24	2.491,76	2.710,00	60.918,88	156.848,88	339.081,12	495.930,00
184	60.918,88	209,66	2.500,34	2.710,00	58.418,54	157.058,54	341.581,46	498.640,00
185	58.418,54	201,06	2.508,94	2.710,00	55.909,60	157.259,60	344.090,40	501.350,00
186	55.909,60	192,42	2.517,58	2.710,00	53.392,02	157.452,02	346.607,98	504.060,00
187	53.392,02	183,76	2.526,24	2.710,00	50.865,78	157.635,78	349.134,22	506.770,00
188	50.865,78	175,06	2.534,94	2.710,00	48.330,84	157.810,84	351.669,16	509.480,00
189	48.330,84	166,34	2.543,66	2.710,00	45.787,18	157.977,18	354.212,82	512.190,00
190	45.787,18	157,58	2.552,42	2.710,00	43.234,77	158.134,77	356.765,23	514.900,00
191	43.234,77	148,80	2.561,20	2.710,00	40.673,57	158.283,57	359.326,43	517.610,00
192	40.673,57	139,98	2.570,02	2.710,00	38.103,55	158.423,55	361.896,45	520.320,00
193	38.103,55	131,14	2.578,86	2.710,00	35.524,69	158.554,69	364.475,31	523.030,00
194	35.524,69	122,26	2.587,74	2.710,00	32.936,96	158.676,96	367.063,04	525.740,00
195	32.936,96	113,36	2.596,64	2.710,00	30.340,31	158.790,31	369.659,69	528.450,00
196	30.340,31	104,42	2.605,58	2.710,00	27.734,73	158.894,73	372.265,27	531.160,00
197	27.734,73	95,45	2.614,55	2.710,00	25.120,19	158.990,19	374.879,81	533.870,00
198	25.120,19	86,46	2.623,54	2.710,00	22.496,64	159.076,64	377.503,36	536.580,00
199	22.496,64	77,43	2.632,57	2.710,00	19.864,07	159.154,07	380.135,93	539.290,00
200	19.864,07	68,37	2.641,63	2.710,00	17.222,44	159.222,44	382.777,56	542.000,00
201	17.222,44	59,27	2.650,73	2.710,00	14.571,71	159.281,71	385.428,29	544.710,00
202	14.571,71	50,15	2.659,85	2.710,00	11.911,86	159.331,86	388.088,14	547.420,00
203	11.911,86	41,00	2.669,00	2.710,00	9.242,86	159.372,86	390.757,14	550.130,00
204	9.242,86	31,81	2.678,19	2.710,00	6.564,67	159.404,67	393.435,33	552.840,00
205	6.564,67	22,59	2.687,41	2.710,00	3.877,26	159.427,26	396.122,74	555.550,00
206	3.877,26	13,34	2.696,66	2.710,00	1.180,61	159.440,61	398.819,39	558.260,00
207	1.180,61	4,06	1.180,61	1.180,61	1.180,61	159.444,67	400.000,00	559.444,67

DTW Baufinanzierung

3.89/5,00

161.276,04€
Zinsanteil

2.730,00€
Monatsrate

4,19%
Sollzins p.a.

4,27%
Effektivzins p.a.

2/3 aller Kunden erhalten: Nettodarlehensbetrag 200.000,00 €;Kreditrate: 951,00 €;Gesamtbetrag: 228.240,00 €;Anzahl Kreditraten: 240;Laufzeit: 341 Monate;Effektiver Jahreszins: 3,77 %;Gebundener Sollzins: 3,70 %;

Monat	Kreditsumme	Zinslast	Tilgungslast	Monatsrate	Restschuld	Zinsen gesamt	Tilgung gesamt	Gesamt
1	400.000,00	1.396,67	1.333,33	2.730,00	398.666,67	1.396,67	1.333,33	2.730,00
2	398.666,67	1.392,01	1.337,99	2.730,00	397.328,68	2.788,68	2.671,32	5.460,00
3	397.328,68	1.387,34	1.342,66	2.730,00	395.986,02	4.176,02	4.013,98	8.190,00
4	395.986,02	1.382,65	1.347,35	2.730,00	394.638,67	5.558,67	5.361,33	10.920,00
5	394.638,67	1.377,95	1.352,05	2.730,00	393.286,61	6.936,61	6.713,39	13.650,00
6	393.286,61	1.373,23	1.356,77	2.730,00	391.929,84	8.309,84	8.070,16	16.380,00
7	391.929,84	1.368,49	1.361,51	2.730,00	390.568,33	9.678,33	9.431,67	19.110,00
8	390.568,33	1.363,73	1.366,27	2.730,00	389.202,06	11.042,06	10.797,94	21.840,00
9	389.202,06	1.358,96	1.371,04	2.730,00	387.831,03	12.401,03	12.168,97	24.570,00
10	387.831,03	1.354,18	1.375,82	2.730,00	386.455,20	13.755,20	13.544,80	27.300,00
11	386.455,20	1.349,37	1.380,63	2.730,00	385.074,58	15.104,58	14.925,42	30.030,00
12	385.074,58	1.344,55	1.385,45	2.730,00	383.689,13	16.449,13	16.310,87	32.760,00
13	383.689,13	1.339,71	1.390,29	2.730,00	382.298,84	17.788,84	17.701,16	35.490,00
14	382.298,84	1.334,86	1.395,14	2.730,00	380.903,70	19.123,70	19.096,30	38.220,00
15	380.903,70	1.329,99	1.400,01	2.730,00	379.503,69	20.453,69	20.496,31	40.950,00
16	379.503,69	1.325,10	1.404,90	2.730,00	378.098,79	21.778,79	21.901,21	43.680,00
17	378.098,79	1.320,19	1.409,81	2.730,00	376.688,99	23.098,99	23.311,01	46.410,00
18	376.688,99	1.315,27	1.414,73	2.730,00	375.274,26	24.414,26	24.725,74	49.140,00
19	375.274,26	1.310,33	1.419,67	2.730,00	373.854,59	25.724,59	26.145,41	51.870,00
20	373.854,59	1.305,38	1.424,62	2.730,00	372.429,97	27.029,97	27.570,03	54.600,00
21	372.429,97	1.300,40	1.429,60	2.730,00	371.000,37	28.330,37	28.999,63	57.330,00
22	371.000,37	1.295,41	1.434,59	2.730,00	369.565,78	29.625,78	30.434,22	60.060,00
23	369.565,78	1.290,40	1.439,60	2.730,00	368.126,18	30.916,18	31.873,82	62.790,00
24	368.126,18	1.285,37	1.444,63	2.730,00	366.681,55	32.201,55	33.318,45	65.520,00
25	366.681,55	1.280,33	1.449,67	2.730,00	365.231,88	33.481,88	34.768,12	68.250,00
26	365.231,88	1.275,27	1.454,73	2.730,00	363.777,15	34.757,15	36.222,85	70.980,00
27	363.777,15	1.270,19	1.459,81	2.730,00	362.317,34	36.027,34	37.682,66	73.710,00
28	362.317,34	1.265,09	1.464,91	2.730,00	360.852,43	37.292,43	39.147,57	76.440,00
29	360.852,43	1.259,98	1.470,02	2.730,00	359.382,41	38.552,41	40.617,59	79.170,00
30	359.382,41	1.254,84	1.475,16	2.730,00	357.907,25	39.807,25	42.092,75	81.900,00
31	357.907,25	1.249,69	1.480,31	2.730,00	356.426,94	41.056,94	43.573,06	84.630,00
32	356.426,94	1.244,52	1.485,48	2.730,00	354.941,47	42.301,47	45.058,53	87.360,00
33	354.941,47	1.239,34	1.490,66	2.730,00	353.450,81	43.540,81	46.549,19	90.090,00
34	353.450,81	1.234,13	1.495,87	2.730,00	351.954,94	44.774,94	48.045,06	92.820,00
35	351.954,94	1.228,91	1.501,09	2.730,00	350.453,85	46.003,85	49.546,15	95.550,00
36	350.453,85	1.223,67	1.506,33	2.730,00	348.947,52	47.227,52	51.052,48	98.280,00
37	348.947,52	1.218,41	1.511,59	2.730,00	347.435,92	48.445,92	52.564,08	101.010,00
38	347.435,92	1.213,13	1.516,87	2.730,00	345.919,05	49.659,05	54.080,95	103.740,00
39	345.919,05	1.207,83	1.522,17	2.730,00	344.396,89	50.866,89	55.603,11	106.470,00
40	344.396,89	1.202,52	1.527,48	2.730,00	342.869,41	52.069,41	57.130,59	109.200,00
41	342.869,41	1.197,19	1.532,81	2.730,00	341.336,59	53.266,59	58.663,41	111.930,00
42	341.336,59	1.191,83	1.538,17	2.730,00	339.798,43	54.458,43	60.201,57	114.660,00
43	339.798,43	1.186,46	1.543,54	2.730,00	338.254,89	55.644,89	61.745,11	117.390,00
44	338.254,89	1.181,07	1.548,93	2.730,00	336.705,96	56.825,96	63.294,04	120.120,00
45	336.705,96	1.175,66	1.554,34	2.730,00	335.151,63	58.001,63	64.848,37	122.850,00
46	335.151,63	1.170,24	1.559,76	2.730,00	333.591,87	59.171,87	66.408,13	125.580,00
47	333.591,87	1.164,79	1.565,21	2.730,00	332.026,66	60.336,66	67.973,34	128.310,00
48	332.026,66	1.159,33	1.570,67	2.730,00	330.455,98	61.495,98	69.544,02	131.040,00
49	330.455,98	1.153,84	1.576,16	2.730,00	328.879,83	62.649,83	71.120,17	133.770,00
50	328.879,83	1.148,34	1.581,66	2.730,00	327.298,16	63.798,16	72.701,84	136.500,00
51	327.298,16	1.142,82	1.587,18	2.730,00	325.710,98	64.940,98	74.289,02	139.230,00
52	325.710,98	1.137,27	1.592,73	2.730,00	324.118,25	66.078,25	75.881,75	141.960,00
53	324.118,25	1.131,71	1.598,29	2.730,00	322.519,97	67.209,97	77.480,03	144.690,00
54	322.519,97	1.126,13	1.603,87	2.730,00	320.916,10	68.336,10	79.083,90	147.420,00
55	320.916,10	1.120,53	1.609,47	2.730,00	319.306,63	69.456,63	80.693,37	150.150,00
56	319.306,63	1.114,91	1.615,09	2.730,00	317.691,54	70.571,54	82.308,46	152.880,00
57	317.691,54	1.109,27	1.620,73	2.730,00	316.070,82	71.680,82	83.929,18	155.610,00
58	316.070,82	1.103,61	1.626,39	2.730,00	314.444,43	72.784,43	85.555,57	158.340,00
59	314.444,43	1.097,94	1.632,06	2.730,00	312.812,37	73.882,37	87.187,63	161.070,00
60	312.812,37	1.092,24	1.637,76	2.730,00	311.174,60	74.974,60	88.825,40	163.800,00
61	311.174,60	1.086,52	1.643,48	2.730,00	309.531,12	76.061,12	90.468,88	166.530,00
62	309.531,12	1.080,78	1.649,22	2.730,00	307.881,90	77.141,90	92.118,10	169.260,00
63	307.881,90	1.075,02	1.654,98	2.730,00	306.226,92	78.216,92	93.773,08	171.990,00
64	306.226,92	1.069,24	1.660,76	2.730,00	304.566,16	79.286,16	95.433,84	174.720,00
65	304.566,16	1.063,44	1.666,56	2.730,00	302.899,61	80.349,61	97.100,39	177.450,00
66	302.899,61	1.057,62	1.672,38	2.730,00	301.227,23	81.407,23	98.772,77	180.180,00
67	301.227,23	1.051,79	1.678,21	2.730,00	299.549,02	82.459,02	100.450,98	182.910,00
68	299.549,02	1.045,93	1.684,07	2.730,00	297.864,94	83.504,94	102.135,06	185.640,00
69	297.864,94	1.040,05	1.689,95	2.730,00	296.174,99	84.544,99	103.825,01	188.370,00
70	296.174,99	1.034,14	1.695,86	2.730,00	294.479,13	85.579,13	105.520,87	191.100,00
71	294.479,13	1.028,22	1.701,78	2.730,00	292.777,35	86.607,35	107.222,65	193.830,00
72	292.777,35	1.022,28	1.707,72	2.730,00	291.069,64	87.629,64	108.930,36	196.560,00
73	291.069,64	1.016,32	1.713,68	2.730,00	289.355,95	88.645,95	110.644,05	199.290,00
74	289.355,95	1.010,33	1.719,67	2.730,00	287.636,29	89.656,29	112.363,71	202.020,00
75	287.636,29	1.004,33	1.725,67	2.730,00	285.910,62	90.660,62	114.089,38	204.750,00
76	285.910,62	998,30	1.731,70	2.730,00	284.178,92	91.658,92	115.821,08	207.480,00
77	284.178,92	992,26	1.737,74	2.730,00	282.441,18	92.651,18	117.558,82	210.210,00
78	282.441,18	986,19	1.743,81	2.730,00	280.697,37	93.637,37	119.302,63	212.940,00
79	280.697,37	980,10	1.749,90	2.730,00	278.947,47	94.617,47	121.052,53	215.670,00
80	278.947,47	973,99	1.756,01	2.730,00	277.191,46	95.591,46	122.808,54	218.400,00
81	277.191,46	967,86	1.762,14	2.730,00	275.429,32	96.559,32	124.570,68	221.130,00
82	275.429,32	961,71	1.768,29	2.730,00	273.661,03	97.521,03	126.338,97	223.860,00
83	273.661,03	955,53	1.774,47	2.730,00	271.886,56	98.476,56	128.113,44	226.590,00
84	271.886,56	949,34	1.780,66	2.730,00	270.105,90	99.425,90	129.894,10	229.320,00
85	270.105,90	943,12	1.786,88	2.730,00	268.319,02	100.369,02	131.680,98	232.050,00
86	268.319,02	936,88	1.793,12	2.730,00	266.525,90	101.305,90	133.474,10	234.780,00
87	266.525,90	930,62	1.799,38	2.730,00	264.726,52	102.236,52	135.273,48	237.510,00
88	264.726,52	924,34	1.805,66	2.730,00	262.920,86	103.160,86	137.079,14	240.240,00
89	262.920,86	918,03	1.811,97	2.730,00	261.108,89	104.078,89	138.891,11	242.970,00
90	261.108,89	911,71	1.818,29	2.730,00	259.290,60	104.990,60	140.709,40	245.700,00
91	259.290,60	905,36	1.824,64	2.730,00	257.465,95	105.895,95	142.534,05	248.430,00
92	257.465,95	898,99	1.831,01	2.730,00	255.634,94	106.794,94	144.365,06	251.160,00
93	255.634,94	892,59	1.837,41	2.730,00	253.797,53	107.687,53	146.202,47	253.890,00
94	253.797,53	886,18	1.843,82	2.730,00	251.953,71	108.573,71	148.046,29	256.620,00
95	251.953,71	879,74	1.850,26	2.730,00	250.103,44	109.453,44	149.896,56	259.350,00
96	250.103,44	873,28	1.856,72	2.730,00	248.246,72	110.326,72	151.753,28	262.080,00
97	248.246,72	866,79	1.863,21	2.730,00	246.383,52	111.193,52	153.616,48	264.810,00
98	246.383,52	860,29	1.869,71	2.730,00	244.513,81	112.053,81	155.486,19	267.540,00
99	244.513,81	853,76	1.876,24	2.730,00	242.637,57	112.907,57	157.362,43	270.270,00
100	242.637,57	847,21	1.882,79	2.730,00	240.754,78	113.754,78	159.245,22	273.000,00
101	240.754,78	840,64	1.889,36	2.730,00	238.865,41	114.595,41	161.134,59	275.730,00
102	238.865,41	834,04	1.895,96	2.730,00	236.969,45	115.429,45	163.030,55	278.460,00
103	236.969,45	827,42	1.902,58	2.730,00	235.066,87	116.256,87	164.933,13	281.190,00
104	235.066,87	820,78	1.909,22	2.730,00	233.157,64	117.077,64	166.842,36	283.920,00
105	233.157,64	814,11	1.915,89	2.730,00	231.241,75	117.891,75	168.758,25	286.650,00
106	231.241,75	807,42	1.922,58	2.730,00	229.319,17	118.699,17	170.680,83	289.380,00
107	229.319,17	800,71	1.929,29	2.730,00	227.389,88	119.499,88	172.610,12	292.110,00
108	227.389,88	793,97	1.936,03	2.730,00	225.453,85	120.293,85	174.546,15	294.840,00
109	225.453,85	787,21	1.942,79	2.730,00	223.511,06	121.081,06	176.488,94	297.570,00
110	223.511,06	780,43	1.949,57	2.730,00	221.561,48	121.861,48	178.438,52	300.300,00
111	221.561,48	773,62	1.956,38	2.730,00	219.605,10	122.635,10	180.394,90	303.030,00
112	219.605,10	766,79	1.963,21	2.730,00	217.641,89	123.401,89	182.358,11	305.760,00
113	217.641,89	759,93	1.970,07	2.730,00	215.671,82	124.161,82	184.328,18	308.490,00
114	215.671,82	753,05	1.976,95	2.730,00	213.694,88	124.914,88	186.305,12	311.220,00
115	213.694,88	746,15	1.983,85	2.730,00	211.711,03	125.661,03	188.288,97	313.950,00
116	211.711,03	739,22	1.990,78	2.730,00	209.720,25	126.400,25	190.279,75	316.680,00
117	209.720,25	732,27	1.997,73	2.730,00	207.722,53	127.132,53	192.277,47	319.410,00
118	207.722,53	725,30	2.004,70	2.730,00	205.717,82	127.857,82	194.282,18	322.140,00
119	205.717,82	718,30	2.011,70	2.730,00	203.706,12	128.576,12	196.293,88	324.870,00
120	203.706,12	711,27	2.018,73	2.730,00	201.687,40	129.287,40	198.312,60	327.600,00
121	201.687,40	704,23	2.025,77	2.730,00	199.661,62	129.991,62	200.338,38	330.330,00
122	199.661,62	697,15	2.032,85	2.730,00	197.628,77	130.688,77	202.371,23	333.060,00
123	197.628,77	690,05	2.039,95	2.730,00	195.588,83	131.378,83	204.411,17	335.790,00
124	195.588,83	682,93	2.047,07	2.730,00	193.541,76	132.061,76	206.458,24	338.520,00
125	193.541,76	675,78	2.054,22	2.730,00	191.487,54	132.737,54	208.512,46	341.250,00
126	191.487,54	668,61	2.061,39	2.730,00	189.426,15	133.406,15	210.573,85	343.980,00
127	189.426,15	661,41	2.068,59	2.730,00	187.357,56	134.067,56	212.642,44	346.710,00
128	187.357,56	654,19	2.075,81	2.730,00	185.281,75	134.721,75	214.718,25	349.440,00
129	185.281,75	646,94	2.083,06	2.730,00	183.198,70	135.368,70	216.801,30	352.170,00
130	183.198,70	639,67	2.090,33	2.730,00	181.108,37	136.008,37	218.891,63	354.900,00
131	181.108,37	632,37	2.097,63	2.730,00	179.010,74	136.640,74	220.989,26	357.630,00
132	179.010,74	625,05	2.104,95	2.730,00	176.905,78	137.265,78	223.094,22	360.360,00
133	176.905,78	617,70	2.112,30	2.730,00	174.793,48	137.883,48	225.206,52	363.090,00
134	174.793,48	610,32	2.119,68	2.730,00	172.673,80	138.493,80	227.326,20	365.820,00
135	172.673,80	602,92	2.127,08	2.730,00	170.546,72	139.096,72	229.453,28	368.550,00
136	170.546,72	595,49	2.134,51	2.730,00	168.412,21	139.692,21	231.587,79	371.280,00
137	168.412,21	588,04	2.141,96	2.730,00	166.270,25	140.280,25	233.729,75	374.010,00
138	166.270,25	580,56	2.149,44	2.730,00	164.120,81	140.860,81	235.879,19	376.740,00
139	164.120,81	573,06	2.156,94	2.730,00	161.963,86	141.433,86	238.036,14	379.470,00
140	161.963,86	565,52	2.164,48	2.730,00	159.799,39	141.999,39	240.200,61	382.200,00
141	159.799,39	557,97	2.172,03	2.730,00	157.627,35	142.557,35	242.372,65	384.930,00
142	157.627,35	550,38	2.179,62	2.730,00	155.447,74	143.107,74	244.552,26	387.660,00
143	155.447,74	542,77	2.187,23	2.730,00	153.260,51	143.650,51	246.739,49	390.390,00
144	153.260,51	535,13	2.194,87	2.730,00	151.065,64	144.185,64	248.934,36	393.120,00
145	151.065,64	527,47	2.202,53	2.730,00	148.863,11	144.713,11	251.136,89	395.850,00
146	148.863,11	519,78	2.210,22	2.730,00	146.652,89	145.232,89	253.347,11	398.580,00
147	146.652,89	512,06	2.217,94	2.730,00	144.434,96	145.744,96	255.565,04	401.310,00
148	144.434,96	504,32	2.225,68	2.730,00	142.209,28	146.249,28	257.790,72	404.040,00
149	142.209,28	496,55	2.233,45	2.730,00	139.975,82	146.745,82	260.024,18	406.770,00
150	139.975,82	488,75	2.241,25	2.730,00	137.734,57	147.234,57	262.265,43	409.500,00
151	137.734,57	480,92	2.249,08	2.730,00	135.485,49	147.715,49	264.514,51	412.230,00
152	135.485,49	473,07	2.256,93	2.730,00	133.228,57	148.188,57	266.771,43	414.960,00
153	133.228,57	465,19	2.264,81	2.730,00	130.963,75	148.653,75	269.036,25	417.690,00
154	130.963,75	457,28	2.272,72	2.730,00	128.691,04	149.111,04	271.308,96	420.420,00
155	128.691,04	449,35	2.280,65	2.730,00	126.410,38	149.560,38	273.589,62	423.150,00
156	126.410,38	441,38	2.288,62	2.730,00	124.121,77	150.001,77	275.878,23	425.880,00
157	124.121,77	433,39	2.296,61	2.730,00	121.825,16	150.435,16	278.174,84	428.610,00
158	121.825,16	425,37	2.304,63	2.730,00	119.520,53	150.860,53	280.479,47	431.340,00
159	119.520,53	417,33	2.312,67	2.730,00	117.207,86	151.277,86	282.792,14	434.070,00
160	117.207,86	409,25	2.320,75	2.730,00	114.887,11	151.687,11	285.112,89	436.800,00
161	114.887,11	401,15	2.328,85	2.730,00	112.558,25	152.088,25	287.441,75	439.530,00
162	112.558,25	393,02	2.336,98	2.730,00	110.221,27	152.481,27	289.778,73	442.260,00
163	110.221,27	384,86	2.345,14	2.730,00	107.876,13	152.866,13	292.123,87	444.990,00
164	107.876,13	376,67	2.353,33	2.730,00	105.522,79	153.242,79	294.477,21	447.720,00
165	105.522,79	368,45	2.361,55	2.730,00	103.161,24	153.611,24	296.838,76	450.450,00
166	103.161,24	360,20	2.369,80	2.730,00	100.791,45	153.971,45	299.208,55	453.180,00
167	100.791,45	351,93	2.378,07	2.730,00	98.413,38	154.323,38	301.586,62	455.910,00
168	98.413,38	343,63	2.386,37	2.730,00	96.027,01	154.667,01	303.972,99	458.640,00
169	96.027,01	335,29	2.394,71	2.730,00	93.632,30	155.002,30	306.367,70	461.370,00
170	93.632,30	326,93	2.403,07	2.730,00	91.229,23	155.329,23	308.770,77	464.100,00
171	91.229,23	318,54	2.411,46	2.730,00	88.817,77	155.647,77	311.182,23	466.830,00
172	88.817,77	310,12	2.419,88	2.730,00	86.397,90	155.957,90	313.602,10	469.560,00
173	86.397,90	301,67	2.428,33	2.730,00	83.969,57	156.259,57	316.030,43	472.290,00
174	83.969,57	293,19	2.436,81	2.730,00	81.532,76	156.552,76	318.467,24	475.020,00
175	81.532,76	284,69	2.445,31	2.730,00	79.087,45	156.837,45	320.912,55	477.750,00
176	79.087,45	276,15	2.453,85	2.730,00	76.633,60	157.113,60	323.366,40	480.480,00
177	76.633,60	267,58	2.462,42	2.730,00	74.171,17	157.381,17	325.828,83	483.210,00
178	74.171,17	258,98	2.471,02	2.730,00	71.700,16	157.640,16	328.299,84	485.940,00
179	71.700,16	250,35	2.479,65	2.730,00	69.220,51	157.890,51	330.779,49	488.670,00
180	69.220,51	241,69	2.488,31	2.730,00	66.732,20	158.132,20	333.267,80	491.400,00
181	66.732,20	233,01	2.496,99	2.730,00	64.235,21	158.365,21	335.764,79	494.130,00
182	64.235,21	224,29	2.505,71	2.730,00	61.729,50	158.589,50	338.270,50	496.860,00
183	61.729,50	215,54	2.514,46	2.730,00	59.215,04	158.805,04	340.784,96	499.590,00
184	59.215,04	206,76	2.523,24	2.730,00	56.691,80	159.011,80	343.308,20	502.320,00
185	56.691,80	197,95	2.532,05	2.730,00	54.159,75	159.209,75	345.840,25	505.050,00
186	54.159,75	189,11	2.540,89	2.730,00	51.618,85	159.398,85	348.381,15	507.780,00
187	51.618,85	180,24	2.549,76	2.730,00	49.069,09	159.579,09	350.930,91	510.510,00
188	49.069,09	171,33	2.558,67	2.730,00	46.510,42	159.750,42	353.489,58	513.240,00
189	46.510,42	162,40	2.567,60	2.730,00	43.942,82	159.912,82	356.057,18	515.970,00
190	43.942,82	153,43	2.576,57	2.730,00	41.366,25	160.066,25	358.633,75	518.700,00
191	41.366,25	144,44	2.585,56	2.730,00	38.780,69	160.210,69	361.219,31	521.430,00
192	38.780,69	135,41	2.594,59	2.730,00	36.186,10	160.346,10	363.813,90	524.160,00
193	36.186,10	126,35	2.603,65	2.730,00	33.582,45	160.472,45	366.417,55	526.890,00
194	33.582,45	117,26	2.612,74	2.730,00	30.969,71	160.589,71	369.030,29	529.620,00
195	30.969,71	108,14	2.621,86	2.730,00	28.347,84	160.697,84	371.652,16	532.350,00
196	28.347,84	98,98	2.631,02	2.730,00	25.716,83	160.796,83	374.283,17	535.080,00
197	25.716,83	89,79	2.640,21	2.730,00	23.076,62	160.886,62	376.923,38	537.810,00
198	23.076,62	80,58	2.649,42	2.730,00	20.427,20	160.967,20	379.572,80	540.540,00
199	20.427,20	71,32	2.658,68	2.730,00	17.768,52	161.038,52	382.231,48	543.270,00
200	17.768,52	62,04	2.667,96	2.730,00	15.100,56	161.100,56	384.899,44	546.000,00
201	15.100,56	52,73	2.677,27	2.730,00	12.423,29	161.153,29	387.576,71	548.730,00
202	12.423,29	43,38	2.686,62	2.730,00	9.736,67	161.196,67	390.263,33	551.460,00
203	9.736,67	34,00	2.696,00	2.730,00	7.040,66	161.230,66	392.959,34	554.190,00
204	7.040,66	24,58	2.705,42	2.730,00	4.335,25	161.255,25	395.664,75	556.920,00
205	4.335,25	15,14	2.714,86	2.730,00	1.620,39	161.270,39	398.379,61	559.650,00
206	1.620,39	5,66	1.620,39	1.620,39	1.620,39	161.276,04	400.000,00	561.276,04

Stand der Daten: 08.12.2023

Voraussetzung für eine Finanzierung ohne Eigenmittel

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

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

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

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

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

Finanzierung der Erwerbsnebenkosten

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

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

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

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

Baufinanzierungen mit und ohne Eigenkapital im direkten Vergleich

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

Quelle: Dr. Klein

Auswirkungen der Wohnimmobilien-Kreditrichtlinie

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

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

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

Eigenkapitalersatz – auch das gibt es

KfW

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

Arbeitgeberdarlehen

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

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

Eigenleistung

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

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

Versicherungspolicen

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

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

Kostenloses Angebot für individuelle Baufinanzierung anfordern

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

Weiterführende Informationen

(1) KfW-Programm 124 – KfW-Wohneigentumsprogramm

Vollfinanzierung – Hauskauf ohne Eigenkapital

Der Beleihungsauslauf

Kosten für Immobilien-Vollfinanzierung berechnen

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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