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.
- Der Beleihungsauslauf
- Kosten für Immobilien-Vollfinanzierung berechnen
- Voraussetzung für eine Finanzierung ohne Eigenmittel
- Wie wirkt sich die Wohnimmobilienkreditrichtlinie auf 100-Prozent-Finanzierungen aus?
- Eigenkapitalersatz – auch das gibt es
- Kostenloses Angebot für individuelle Baufinanzierung anfordern
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
Interhyp Baufinanzierung
- 1,30%
- gebundener Sollzins*
- 1,31%
- effektiver Jahreszins*
- 1.325,00€
- Monatsrate
- Gesamtzahlung :318.000,00 EUR
- Tilgungsanteil :273.920,84 EUR
- Zinsanteil :44.079,16 EUR
- Restschuld :26.079,16 EUR
Tilgungsplan ↓
Repr. Beispiel nach §6a PAngV:
Nettodarlehensbetrag 200.000,00 EUR;
Kreditrate: 713,33 EUR;
Gesamtbetrag: 85.600,00 EUR;
Anzahl Kreditraten: 120;
Laufzeit: 330 Monate; Effektiver Jahreszins: 1,29 %;
Gebundener Sollzins: 1,28 %;
Der effektive Jahreszins berücksichtigt weder Versicherungsgebühren noch Kosten für Zusatzleistungen. Das Darlehen wird durch Grundpfandrecht besichert.
Kosten für Notar, Grunderwerbsteuer oder das Grundbuchamt sind nicht berücksichtigt. Darlehensgeber bzw. -vermittler ist Interhyp AG Domagkstraße 34
80807 München
80807 München
| Monat | kreditsumme | Zinslast | Tilgungslast | Monatsrate | Restschuld | Zinsen gesamt | Tilgung gesamt | GESAMT |
|---|---|---|---|---|---|---|---|---|
| 1 | 300.000,00 | 325,00 | 1.000,00 | 1.325,00 | 299.000,00 | 325,00 | 1.000,00 | 1.325,00 |
| 2 | 299.000,00 | 323,92 | 1.001,08 | 1.325,00 | 299.000,00 | 648,92 | 2.001,08 | 2.650,00 |
| 3 | 297.998,92 | 322,83 | 1.002,17 | 1.325,00 | 297.998,92 | 971,75 | 3.003,25 | 3.975,00 |
| 4 | 296.996,75 | 321,75 | 1.003,25 | 1.325,00 | 296.996,75 | 1.293,50 | 4.006,50 | 5.300,00 |
| 5 | 295.993,50 | 320,66 | 1.004,34 | 1.325,00 | 295.993,50 | 1.614,15 | 5.010,85 | 6.625,00 |
| 6 | 294.989,15 | 319,57 | 1.005,43 | 1.325,00 | 294.989,15 | 1.933,73 | 6.016,27 | 7.950,00 |
| 7 | 293.983,73 | 318,48 | 1.006,52 | 1.325,00 | 293.983,73 | 2.252,21 | 7.022,79 | 9.275,00 |
| 8 | 292.977,21 | 317,39 | 1.007,61 | 1.325,00 | 292.977,21 | 2.569,60 | 8.030,40 | 10.600,00 |
| 9 | 291.969,60 | 316,30 | 1.008,70 | 1.325,00 | 291.969,60 | 2.885,90 | 9.039,10 | 11.925,00 |
| 10 | 290.960,90 | 315,21 | 1.009,79 | 1.325,00 | 290.960,90 | 3.201,11 | 10.048,89 | 13.250,00 |
| 11 | 289.951,11 | 314,11 | 1.010,89 | 1.325,00 | 289.951,11 | 3.515,22 | 11.059,78 | 14.575,00 |
| 12 | 288.940,22 | 313,02 | 1.011,98 | 1.325,00 | 288.940,22 | 3.828,24 | 12.071,76 | 15.900,00 |
| 13 | 287.928,24 | 311,92 | 1.013,08 | 1.325,00 | 287.928,24 | 4.140,16 | 13.084,84 | 17.225,00 |
| 14 | 286.915,16 | 310,82 | 1.014,18 | 1.325,00 | 286.915,16 | 4.450,99 | 14.099,01 | 18.550,00 |
| 15 | 285.900,99 | 309,73 | 1.015,27 | 1.325,00 | 285.900,99 | 4.760,71 | 15.114,29 | 19.875,00 |
| 16 | 284.885,71 | 308,63 | 1.016,37 | 1.325,00 | 284.885,71 | 5.069,34 | 16.130,66 | 21.200,00 |
| 17 | 283.869,34 | 307,53 | 1.017,47 | 1.325,00 | 283.869,34 | 5.376,87 | 17.148,13 | 22.525,00 |
| 18 | 282.851,87 | 306,42 | 1.018,58 | 1.325,00 | 282.851,87 | 5.683,29 | 18.166,71 | 23.850,00 |
| 19 | 281.833,29 | 305,32 | 1.019,68 | 1.325,00 | 281.833,29 | 5.988,61 | 19.186,39 | 25.175,00 |
| 20 | 280.813,61 | 304,21 | 1.020,79 | 1.325,00 | 280.813,61 | 6.292,82 | 20.207,18 | 26.500,00 |
| 21 | 279.792,82 | 303,11 | 1.021,89 | 1.325,00 | 279.792,82 | 6.595,93 | 21.229,07 | 27.825,00 |
| 22 | 278.770,93 | 302,00 | 1.023,00 | 1.325,00 | 278.770,93 | 6.897,93 | 22.252,07 | 29.150,00 |
| 23 | 277.747,93 | 300,89 | 1.024,11 | 1.325,00 | 277.747,93 | 7.198,83 | 23.276,17 | 30.475,00 |
| 24 | 276.723,83 | 299,78 | 1.025,22 | 1.325,00 | 276.723,83 | 7.498,61 | 24.301,39 | 31.800,00 |
| 25 | 275.698,61 | 298,67 | 1.026,33 | 1.325,00 | 275.698,61 | 7.797,28 | 25.327,72 | 33.125,00 |
| 26 | 274.672,28 | 297,56 | 1.027,44 | 1.325,00 | 274.672,28 | 8.094,85 | 26.355,15 | 34.450,00 |
| 27 | 273.644,85 | 296,45 | 1.028,55 | 1.325,00 | 273.644,85 | 8.391,29 | 27.383,71 | 35.775,00 |
| 28 | 272.616,29 | 295,33 | 1.029,67 | 1.325,00 | 272.616,29 | 8.686,63 | 28.413,37 | 37.100,00 |
| 29 | 271.586,63 | 294,22 | 1.030,78 | 1.325,00 | 271.586,63 | 8.980,85 | 29.444,15 | 38.425,00 |
| 30 | 270.555,85 | 293,10 | 1.031,90 | 1.325,00 | 270.555,85 | 9.273,95 | 30.476,05 | 39.750,00 |
| 31 | 269.523,95 | 291,98 | 1.033,02 | 1.325,00 | 269.523,95 | 9.565,93 | 31.509,07 | 41.075,00 |
| 32 | 268.490,93 | 290,87 | 1.034,13 | 1.325,00 | 268.490,93 | 9.856,80 | 32.543,20 | 42.400,00 |
| 33 | 267.456,80 | 289,74 | 1.035,26 | 1.325,00 | 267.456,80 | 10.146,54 | 33.578,46 | 43.725,00 |
| 34 | 266.421,54 | 288,62 | 1.036,38 | 1.325,00 | 266.421,54 | 10.435,17 | 34.614,83 | 45.050,00 |
| 35 | 265.385,17 | 287,50 | 1.037,50 | 1.325,00 | 265.385,17 | 10.722,67 | 35.652,33 | 46.375,00 |
| 36 | 264.347,67 | 286,38 | 1.038,62 | 1.325,00 | 264.347,67 | 11.009,05 | 36.690,95 | 47.700,00 |
| 37 | 263.309,05 | 285,25 | 1.039,75 | 1.325,00 | 263.309,05 | 11.294,30 | 37.730,70 | 49.025,00 |
| 38 | 262.269,30 | 284,13 | 1.040,87 | 1.325,00 | 262.269,30 | 11.578,42 | 38.771,58 | 50.350,00 |
| 39 | 261.228,42 | 283,00 | 1.042,00 | 1.325,00 | 261.228,42 | 11.861,42 | 39.813,58 | 51.675,00 |
| 40 | 260.186,42 | 281,87 | 1.043,13 | 1.325,00 | 260.186,42 | 12.143,29 | 40.856,71 | 53.000,00 |
| 41 | 259.143,29 | 280,74 | 1.044,26 | 1.325,00 | 259.143,29 | 12.424,03 | 41.900,97 | 54.325,00 |
| 42 | 258.099,03 | 279,61 | 1.045,39 | 1.325,00 | 258.099,03 | 12.703,63 | 42.946,37 | 55.650,00 |
| 43 | 257.053,63 | 278,47 | 1.046,53 | 1.325,00 | 257.053,63 | 12.982,11 | 43.992,89 | 56.975,00 |
| 44 | 256.007,11 | 277,34 | 1.047,66 | 1.325,00 | 256.007,11 | 13.259,45 | 45.040,55 | 58.300,00 |
| 45 | 254.959,45 | 276,21 | 1.048,79 | 1.325,00 | 254.959,45 | 13.535,66 | 46.089,34 | 59.625,00 |
| 46 | 253.910,66 | 275,07 | 1.049,93 | 1.325,00 | 253.910,66 | 13.810,73 | 47.139,27 | 60.950,00 |
| 47 | 252.860,73 | 273,93 | 1.051,07 | 1.325,00 | 252.860,73 | 14.084,66 | 48.190,34 | 62.275,00 |
| 48 | 251.809,66 | 272,79 | 1.052,21 | 1.325,00 | 251.809,66 | 14.357,45 | 49.242,55 | 63.600,00 |
| 49 | 250.757,45 | 271,65 | 1.053,35 | 1.325,00 | 250.757,45 | 14.629,11 | 50.295,89 | 64.925,00 |
| 50 | 249.704,11 | 270,51 | 1.054,49 | 1.325,00 | 249.704,11 | 14.899,62 | 51.350,38 | 66.250,00 |
| 51 | 248.649,62 | 269,37 | 1.055,63 | 1.325,00 | 248.649,62 | 15.168,99 | 52.406,01 | 67.575,00 |
| 52 | 247.593,99 | 268,23 | 1.056,77 | 1.325,00 | 247.593,99 | 15.437,22 | 53.462,78 | 68.900,00 |
| 53 | 246.537,22 | 267,08 | 1.057,92 | 1.325,00 | 246.537,22 | 15.704,30 | 54.520,70 | 70.225,00 |
| 54 | 245.479,30 | 265,94 | 1.059,06 | 1.325,00 | 245.479,30 | 15.970,23 | 55.579,77 | 71.550,00 |
| 55 | 244.420,23 | 264,79 | 1.060,21 | 1.325,00 | 244.420,23 | 16.235,02 | 56.639,98 | 72.875,00 |
| 56 | 243.360,02 | 263,64 | 1.061,36 | 1.325,00 | 243.360,02 | 16.498,66 | 57.701,34 | 74.200,00 |
| 57 | 242.298,66 | 262,49 | 1.062,51 | 1.325,00 | 242.298,66 | 16.761,15 | 58.763,85 | 75.525,00 |
| 58 | 241.236,15 | 261,34 | 1.063,66 | 1.325,00 | 241.236,15 | 17.022,49 | 59.827,51 | 76.850,00 |
| 59 | 240.172,49 | 260,19 | 1.064,81 | 1.325,00 | 240.172,49 | 17.282,68 | 60.892,32 | 78.175,00 |
| 60 | 239.107,68 | 259,03 | 1.065,97 | 1.325,00 | 239.107,68 | 17.541,71 | 61.958,29 | 79.500,00 |
| 61 | 238.041,71 | 257,88 | 1.067,12 | 1.325,00 | 238.041,71 | 17.799,59 | 63.025,41 | 80.825,00 |
| 62 | 236.974,59 | 256,72 | 1.068,28 | 1.325,00 | 236.974,59 | 18.056,31 | 64.093,69 | 82.150,00 |
| 63 | 235.906,31 | 255,57 | 1.069,43 | 1.325,00 | 235.906,31 | 18.311,88 | 65.163,12 | 83.475,00 |
| 64 | 234.836,88 | 254,41 | 1.070,59 | 1.325,00 | 234.836,88 | 18.566,28 | 66.233,72 | 84.800,00 |
| 65 | 233.766,28 | 253,25 | 1.071,75 | 1.325,00 | 233.766,28 | 18.819,53 | 67.305,47 | 86.125,00 |
| 66 | 232.694,53 | 252,09 | 1.072,91 | 1.325,00 | 232.694,53 | 19.071,62 | 68.378,38 | 87.450,00 |
| 67 | 231.621,62 | 250,92 | 1.074,08 | 1.325,00 | 231.621,62 | 19.322,54 | 69.452,46 | 88.775,00 |
| 68 | 230.547,54 | 249,76 | 1.075,24 | 1.325,00 | 230.547,54 | 19.572,30 | 70.527,70 | 90.100,00 |
| 69 | 229.472,30 | 248,59 | 1.076,41 | 1.325,00 | 229.472,30 | 19.820,90 | 71.604,10 | 91.425,00 |
| 70 | 228.395,90 | 247,43 | 1.077,57 | 1.325,00 | 228.395,90 | 20.068,32 | 72.681,68 | 92.750,00 |
| 71 | 227.318,32 | 246,26 | 1.078,74 | 1.325,00 | 227.318,32 | 20.314,59 | 73.760,41 | 94.075,00 |
| 72 | 226.239,59 | 245,09 | 1.079,91 | 1.325,00 | 226.239,59 | 20.559,68 | 74.840,32 | 95.400,00 |
| 73 | 225.159,68 | 243,92 | 1.081,08 | 1.325,00 | 225.159,68 | 20.803,60 | 75.921,40 | 96.725,00 |
| 74 | 224.078,60 | 242,75 | 1.082,25 | 1.325,00 | 224.078,60 | 21.046,35 | 77.003,65 | 98.050,00 |
| 75 | 222.996,35 | 241,58 | 1.083,42 | 1.325,00 | 222.996,35 | 21.287,93 | 78.087,07 | 99.375,00 |
| 76 | 221.912,93 | 240,41 | 1.084,59 | 1.325,00 | 221.912,93 | 21.528,34 | 79.171,66 | 100.700,00 |
| 77 | 220.828,34 | 239,23 | 1.085,77 | 1.325,00 | 220.828,34 | 21.767,57 | 80.257,43 | 102.025,00 |
| 78 | 219.742,57 | 238,05 | 1.086,95 | 1.325,00 | 219.742,57 | 22.005,62 | 81.344,38 | 103.350,00 |
| 79 | 218.655,62 | 236,88 | 1.088,12 | 1.325,00 | 218.655,62 | 22.242,50 | 82.432,50 | 104.675,00 |
| 80 | 217.567,50 | 235,70 | 1.089,30 | 1.325,00 | 217.567,50 | 22.478,20 | 83.521,80 | 106.000,00 |
| 81 | 216.478,20 | 234,52 | 1.090,48 | 1.325,00 | 216.478,20 | 22.712,72 | 84.612,28 | 107.325,00 |
| 82 | 215.387,72 | 233,34 | 1.091,66 | 1.325,00 | 215.387,72 | 22.946,05 | 85.703,95 | 108.650,00 |
| 83 | 214.296,05 | 232,15 | 1.092,85 | 1.325,00 | 214.296,05 | 23.178,21 | 86.796,79 | 109.975,00 |
| 84 | 213.203,21 | 230,97 | 1.094,03 | 1.325,00 | 213.203,21 | 23.409,18 | 87.890,82 | 111.300,00 |
| 85 | 212.109,18 | 229,78 | 1.095,22 | 1.325,00 | 212.109,18 | 23.638,96 | 88.986,04 | 112.625,00 |
| 86 | 211.013,96 | 228,60 | 1.096,40 | 1.325,00 | 211.013,96 | 23.867,56 | 90.082,44 | 113.950,00 |
| 87 | 209.917,56 | 227,41 | 1.097,59 | 1.325,00 | 209.917,56 | 24.094,97 | 91.180,03 | 115.275,00 |
| 88 | 208.819,97 | 226,22 | 1.098,78 | 1.325,00 | 208.819,97 | 24.321,19 | 92.278,81 | 116.600,00 |
| 89 | 207.721,19 | 225,03 | 1.099,97 | 1.325,00 | 207.721,19 | 24.546,22 | 93.378,78 | 117.925,00 |
| 90 | 206.621,22 | 223,84 | 1.101,16 | 1.325,00 | 206.621,22 | 24.770,06 | 94.479,94 | 119.250,00 |
| 91 | 205.520,06 | 222,65 | 1.102,35 | 1.325,00 | 205.520,06 | 24.992,71 | 95.582,29 | 120.575,00 |
| 92 | 204.417,71 | 221,45 | 1.103,55 | 1.325,00 | 204.417,71 | 25.214,16 | 96.685,84 | 121.900,00 |
| 93 | 203.314,16 | 220,26 | 1.104,74 | 1.325,00 | 203.314,16 | 25.434,42 | 97.790,58 | 123.225,00 |
| 94 | 202.209,42 | 219,06 | 1.105,94 | 1.325,00 | 202.209,42 | 25.653,48 | 98.896,52 | 124.550,00 |
| 95 | 201.103,48 | 217,86 | 1.107,14 | 1.325,00 | 201.103,48 | 25.871,34 | 100.003,66 | 125.875,00 |
| 96 | 199.996,34 | 216,66 | 1.108,34 | 1.325,00 | 199.996,34 | 26.088,01 | 101.111,99 | 127.200,00 |
| 97 | 198.888,01 | 215,46 | 1.109,54 | 1.325,00 | 198.888,01 | 26.303,47 | 102.221,53 | 128.525,00 |
| 98 | 197.778,47 | 214,26 | 1.110,74 | 1.325,00 | 197.778,47 | 26.517,73 | 103.332,27 | 129.850,00 |
| 99 | 196.667,73 | 213,06 | 1.111,94 | 1.325,00 | 196.667,73 | 26.730,78 | 104.444,22 | 131.175,00 |
| 100 | 195.555,78 | 211,85 | 1.113,15 | 1.325,00 | 195.555,78 | 26.942,64 | 105.557,36 | 132.500,00 |
| 101 | 194.442,64 | 210,65 | 1.114,35 | 1.325,00 | 194.442,64 | 27.153,28 | 106.671,72 | 133.825,00 |
| 102 | 193.328,28 | 209,44 | 1.115,56 | 1.325,00 | 193.328,28 | 27.362,72 | 107.787,28 | 135.150,00 |
| 103 | 192.212,72 | 208,23 | 1.116,77 | 1.325,00 | 192.212,72 | 27.570,95 | 108.904,05 | 136.475,00 |
| 104 | 191.095,95 | 207,02 | 1.117,98 | 1.325,00 | 191.095,95 | 27.777,97 | 110.022,03 | 137.800,00 |
| 105 | 189.977,97 | 205,81 | 1.119,19 | 1.325,00 | 189.977,97 | 27.983,78 | 111.141,22 | 139.125,00 |
| 106 | 188.858,78 | 204,60 | 1.120,40 | 1.325,00 | 188.858,78 | 28.188,38 | 112.261,62 | 140.450,00 |
| 107 | 187.738,38 | 203,38 | 1.121,62 | 1.325,00 | 187.738,38 | 28.391,76 | 113.383,24 | 141.775,00 |
| 108 | 186.616,76 | 202,17 | 1.122,83 | 1.325,00 | 186.616,76 | 28.593,93 | 114.506,07 | 143.100,00 |
| 109 | 185.493,93 | 200,95 | 1.124,05 | 1.325,00 | 185.493,93 | 28.794,88 | 115.630,12 | 144.425,00 |
| 110 | 184.369,88 | 199,73 | 1.125,27 | 1.325,00 | 184.369,88 | 28.994,62 | 116.755,38 | 145.750,00 |
| 111 | 183.244,62 | 198,52 | 1.126,48 | 1.325,00 | 183.244,62 | 29.193,13 | 117.881,87 | 147.075,00 |
| 112 | 182.118,13 | 197,29 | 1.127,71 | 1.325,00 | 182.118,13 | 29.390,43 | 119.009,57 | 148.400,00 |
| 113 | 180.990,43 | 196,07 | 1.128,93 | 1.325,00 | 180.990,43 | 29.586,50 | 120.138,50 | 149.725,00 |
| 114 | 179.861,50 | 194,85 | 1.130,15 | 1.325,00 | 179.861,50 | 29.781,35 | 121.268,65 | 151.050,00 |
| 115 | 178.731,35 | 193,63 | 1.131,37 | 1.325,00 | 178.731,35 | 29.974,97 | 122.400,03 | 152.375,00 |
| 116 | 177.599,97 | 192,40 | 1.132,60 | 1.325,00 | 177.599,97 | 30.167,37 | 123.532,63 | 153.700,00 |
| 117 | 176.467,37 | 191,17 | 1.133,83 | 1.325,00 | 176.467,37 | 30.358,55 | 124.666,45 | 155.025,00 |
| 118 | 175.333,55 | 189,94 | 1.135,06 | 1.325,00 | 175.333,55 | 30.548,49 | 125.801,51 | 156.350,00 |
| 119 | 174.198,49 | 188,72 | 1.136,28 | 1.325,00 | 174.198,49 | 30.737,21 | 126.937,79 | 157.675,00 |
| 120 | 173.062,21 | 187,48 | 1.137,52 | 1.325,00 | 173.062,21 | 30.924,69 | 128.075,31 | 159.000,00 |
| 121 | 171.924,69 | 186,25 | 1.138,75 | 1.325,00 | 171.924,69 | 31.110,94 | 129.214,06 | 160.325,00 |
| 122 | 170.785,94 | 185,02 | 1.139,98 | 1.325,00 | 170.785,94 | 31.295,96 | 130.354,04 | 161.650,00 |
| 123 | 169.645,96 | 183,78 | 1.141,22 | 1.325,00 | 169.645,96 | 31.479,74 | 131.495,26 | 162.975,00 |
| 124 | 168.504,74 | 182,55 | 1.142,45 | 1.325,00 | 168.504,74 | 31.662,29 | 132.637,71 | 164.300,00 |
| 125 | 167.362,29 | 181,31 | 1.143,69 | 1.325,00 | 167.362,29 | 31.843,60 | 133.781,40 | 165.625,00 |
| 126 | 166.218,60 | 180,07 | 1.144,93 | 1.325,00 | 166.218,60 | 32.023,67 | 134.926,33 | 166.950,00 |
| 127 | 165.073,67 | 178,83 | 1.146,17 | 1.325,00 | 165.073,67 | 32.202,50 | 136.072,50 | 168.275,00 |
| 128 | 163.927,50 | 177,59 | 1.147,41 | 1.325,00 | 163.927,50 | 32.380,09 | 137.219,91 | 169.600,00 |
| 129 | 162.780,09 | 176,35 | 1.148,65 | 1.325,00 | 162.780,09 | 32.556,43 | 138.368,57 | 170.925,00 |
| 130 | 161.631,43 | 175,10 | 1.149,90 | 1.325,00 | 161.631,43 | 32.731,53 | 139.518,47 | 172.250,00 |
| 131 | 160.481,53 | 173,85 | 1.151,15 | 1.325,00 | 160.481,53 | 32.905,39 | 140.669,61 | 173.575,00 |
| 132 | 159.330,39 | 172,61 | 1.152,39 | 1.325,00 | 159.330,39 | 33.078,00 | 141.822,00 | 174.900,00 |
| 133 | 158.178,00 | 171,36 | 1.153,64 | 1.325,00 | 158.178,00 | 33.249,36 | 142.975,64 | 176.225,00 |
| 134 | 157.024,36 | 170,11 | 1.154,89 | 1.325,00 | 157.024,36 | 33.419,47 | 144.130,53 | 177.550,00 |
| 135 | 155.869,47 | 168,86 | 1.156,14 | 1.325,00 | 155.869,47 | 33.588,32 | 145.286,68 | 178.875,00 |
| 136 | 154.713,32 | 167,61 | 1.157,39 | 1.325,00 | 154.713,32 | 33.755,93 | 146.444,07 | 180.200,00 |
| 137 | 153.555,93 | 166,35 | 1.158,65 | 1.325,00 | 153.555,93 | 33.922,28 | 147.602,72 | 181.525,00 |
| 138 | 152.397,28 | 165,10 | 1.159,90 | 1.325,00 | 152.397,28 | 34.087,38 | 148.762,62 | 182.850,00 |
| 139 | 151.237,38 | 163,84 | 1.161,16 | 1.325,00 | 151.237,38 | 34.251,22 | 149.923,78 | 184.175,00 |
| 140 | 150.076,22 | 162,58 | 1.162,42 | 1.325,00 | 150.076,22 | 34.413,80 | 151.086,20 | 185.500,00 |
| 141 | 148.913,80 | 161,32 | 1.163,68 | 1.325,00 | 148.913,80 | 34.575,13 | 152.249,87 | 186.825,00 |
| 142 | 147.750,13 | 160,06 | 1.164,94 | 1.325,00 | 147.750,13 | 34.735,19 | 153.414,81 | 188.150,00 |
| 143 | 146.585,19 | 158,80 | 1.166,20 | 1.325,00 | 146.585,19 | 34.893,99 | 154.581,01 | 189.475,00 |
| 144 | 145.418,99 | 157,54 | 1.167,46 | 1.325,00 | 145.418,99 | 35.051,53 | 155.748,47 | 190.800,00 |
| 145 | 144.251,53 | 156,27 | 1.168,73 | 1.325,00 | 144.251,53 | 35.207,80 | 156.917,20 | 192.125,00 |
| 146 | 143.082,80 | 155,01 | 1.169,99 | 1.325,00 | 143.082,80 | 35.362,81 | 158.087,19 | 193.450,00 |
| 147 | 141.912,81 | 153,74 | 1.171,26 | 1.325,00 | 141.912,81 | 35.516,54 | 159.258,46 | 194.775,00 |
| 148 | 140.741,54 | 152,47 | 1.172,53 | 1.325,00 | 140.741,54 | 35.669,01 | 160.430,99 | 196.100,00 |
| 149 | 139.569,01 | 151,20 | 1.173,80 | 1.325,00 | 139.569,01 | 35.820,21 | 161.604,79 | 197.425,00 |
| 150 | 138.395,21 | 149,93 | 1.175,07 | 1.325,00 | 138.395,21 | 35.970,14 | 162.779,86 | 198.750,00 |
| 151 | 137.220,14 | 148,66 | 1.176,34 | 1.325,00 | 137.220,14 | 36.118,80 | 163.956,20 | 200.075,00 |
| 152 | 136.043,80 | 147,38 | 1.177,62 | 1.325,00 | 136.043,80 | 36.266,18 | 165.133,82 | 201.400,00 |
| 153 | 134.866,18 | 146,11 | 1.178,89 | 1.325,00 | 134.866,18 | 36.412,28 | 166.312,72 | 202.725,00 |
| 154 | 133.687,28 | 144,83 | 1.180,17 | 1.325,00 | 133.687,28 | 36.557,11 | 167.492,89 | 204.050,00 |
| 155 | 132.507,11 | 143,55 | 1.181,45 | 1.325,00 | 132.507,11 | 36.700,66 | 168.674,34 | 205.375,00 |
| 156 | 131.325,66 | 142,27 | 1.182,73 | 1.325,00 | 131.325,66 | 36.842,93 | 169.857,07 | 206.700,00 |
| 157 | 130.142,93 | 140,99 | 1.184,01 | 1.325,00 | 130.142,93 | 36.983,92 | 171.041,08 | 208.025,00 |
| 158 | 128.958,92 | 139,71 | 1.185,29 | 1.325,00 | 128.958,92 | 37.123,62 | 172.226,38 | 209.350,00 |
| 159 | 127.773,62 | 138,42 | 1.186,58 | 1.325,00 | 127.773,62 | 37.262,05 | 173.412,95 | 210.675,00 |
| 160 | 126.587,05 | 137,14 | 1.187,86 | 1.325,00 | 126.587,05 | 37.399,18 | 174.600,82 | 212.000,00 |
| 161 | 125.399,18 | 135,85 | 1.189,15 | 1.325,00 | 125.399,18 | 37.535,03 | 175.789,97 | 213.325,00 |
| 162 | 124.210,03 | 134,56 | 1.190,44 | 1.325,00 | 124.210,03 | 37.669,59 | 176.980,41 | 214.650,00 |
| 163 | 123.019,59 | 133,27 | 1.191,73 | 1.325,00 | 123.019,59 | 37.802,86 | 178.172,14 | 215.975,00 |
| 164 | 121.827,86 | 131,98 | 1.193,02 | 1.325,00 | 121.827,86 | 37.934,84 | 179.365,16 | 217.300,00 |
| 165 | 120.634,84 | 130,69 | 1.194,31 | 1.325,00 | 120.634,84 | 38.065,53 | 180.559,47 | 218.625,00 |
| 166 | 119.440,53 | 129,39 | 1.195,61 | 1.325,00 | 119.440,53 | 38.194,92 | 181.755,08 | 219.950,00 |
| 167 | 118.244,92 | 128,10 | 1.196,90 | 1.325,00 | 118.244,92 | 38.323,02 | 182.951,98 | 221.275,00 |
| 168 | 117.048,02 | 126,80 | 1.198,20 | 1.325,00 | 117.048,02 | 38.449,82 | 184.150,18 | 222.600,00 |
| 169 | 115.849,82 | 125,50 | 1.199,50 | 1.325,00 | 115.849,82 | 38.575,33 | 185.349,67 | 223.925,00 |
| 170 | 114.650,33 | 124,20 | 1.200,80 | 1.325,00 | 114.650,33 | 38.699,53 | 186.550,47 | 225.250,00 |
| 171 | 113.449,53 | 122,90 | 1.202,10 | 1.325,00 | 113.449,53 | 38.822,44 | 187.752,56 | 226.575,00 |
| 172 | 112.247,44 | 121,60 | 1.203,40 | 1.325,00 | 112.247,44 | 38.944,04 | 188.955,96 | 227.900,00 |
| 173 | 111.044,04 | 120,30 | 1.204,70 | 1.325,00 | 111.044,04 | 39.064,34 | 190.160,66 | 229.225,00 |
| 174 | 109.839,34 | 118,99 | 1.206,01 | 1.325,00 | 109.839,34 | 39.183,33 | 191.366,67 | 230.550,00 |
| 175 | 108.633,33 | 117,69 | 1.207,31 | 1.325,00 | 108.633,33 | 39.301,01 | 192.573,99 | 231.875,00 |
| 176 | 107.426,01 | 116,38 | 1.208,62 | 1.325,00 | 107.426,01 | 39.417,39 | 193.782,61 | 233.200,00 |
| 177 | 106.217,39 | 115,07 | 1.209,93 | 1.325,00 | 106.217,39 | 39.532,46 | 194.992,54 | 234.525,00 |
| 178 | 105.007,46 | 113,76 | 1.211,24 | 1.325,00 | 105.007,46 | 39.646,22 | 196.203,78 | 235.850,00 |
| 179 | 103.796,22 | 112,45 | 1.212,55 | 1.325,00 | 103.796,22 | 39.758,67 | 197.416,33 | 237.175,00 |
| 180 | 102.583,67 | 111,13 | 1.213,87 | 1.325,00 | 102.583,67 | 39.869,80 | 198.630,20 | 238.500,00 |
| 181 | 101.369,80 | 109,82 | 1.215,18 | 1.325,00 | 101.369,80 | 39.979,62 | 199.845,38 | 239.825,00 |
| 182 | 100.154,62 | 108,50 | 1.216,50 | 1.325,00 | 100.154,62 | 40.088,12 | 201.061,88 | 241.150,00 |
| 183 | 98.938,12 | 107,18 | 1.217,82 | 1.325,00 | 98.938,12 | 40.195,30 | 202.279,70 | 242.475,00 |
| 184 | 97.720,30 | 105,86 | 1.219,14 | 1.325,00 | 97.720,30 | 40.301,16 | 203.498,84 | 243.800,00 |
| 185 | 96.501,16 | 104,54 | 1.220,46 | 1.325,00 | 96.501,16 | 40.405,71 | 204.719,29 | 245.125,00 |
| 186 | 95.280,71 | 103,22 | 1.221,78 | 1.325,00 | 95.280,71 | 40.508,93 | 205.941,07 | 246.450,00 |
| 187 | 94.058,93 | 101,90 | 1.223,10 | 1.325,00 | 94.058,93 | 40.610,82 | 207.164,18 | 247.775,00 |
| 188 | 92.835,82 | 100,57 | 1.224,43 | 1.325,00 | 92.835,82 | 40.711,40 | 208.388,60 | 249.100,00 |
| 189 | 91.611,40 | 99,25 | 1.225,75 | 1.325,00 | 91.611,40 | 40.810,64 | 209.614,36 | 250.425,00 |
| 190 | 90.385,64 | 97,92 | 1.227,08 | 1.325,00 | 90.385,64 | 40.908,56 | 210.841,44 | 251.750,00 |
| 191 | 89.158,56 | 96,59 | 1.228,41 | 1.325,00 | 89.158,56 | 41.005,15 | 212.069,85 | 253.075,00 |
| 192 | 87.930,15 | 95,26 | 1.229,74 | 1.325,00 | 87.930,15 | 41.100,41 | 213.299,59 | 254.400,00 |
| 193 | 86.700,41 | 93,93 | 1.231,07 | 1.325,00 | 86.700,41 | 41.194,33 | 214.530,67 | 255.725,00 |
| 194 | 85.469,33 | 92,59 | 1.232,41 | 1.325,00 | 85.469,33 | 41.286,92 | 215.763,08 | 257.050,00 |
| 195 | 84.236,92 | 91,26 | 1.233,74 | 1.325,00 | 84.236,92 | 41.378,18 | 216.996,82 | 258.375,00 |
| 196 | 83.003,18 | 89,92 | 1.235,08 | 1.325,00 | 83.003,18 | 41.468,10 | 218.231,90 | 259.700,00 |
| 197 | 81.768,10 | 88,58 | 1.236,42 | 1.325,00 | 81.768,10 | 41.556,68 | 219.468,32 | 261.025,00 |
| 198 | 80.531,68 | 87,24 | 1.237,76 | 1.325,00 | 80.531,68 | 41.643,92 | 220.706,08 | 262.350,00 |
| 199 | 79.293,92 | 85,90 | 1.239,10 | 1.325,00 | 79.293,92 | 41.729,83 | 221.945,17 | 263.675,00 |
| 200 | 78.054,83 | 84,56 | 1.240,44 | 1.325,00 | 78.054,83 | 41.814,39 | 223.185,61 | 265.000,00 |
| 201 | 76.814,39 | 83,22 | 1.241,78 | 1.325,00 | 76.814,39 | 41.897,60 | 224.427,40 | 266.325,00 |
| 202 | 75.572,60 | 81,87 | 1.243,13 | 1.325,00 | 75.572,60 | 41.979,47 | 225.670,53 | 267.650,00 |
| 203 | 74.329,47 | 80,52 | 1.244,48 | 1.325,00 | 74.329,47 | 42.059,99 | 226.915,01 | 268.975,00 |
| 204 | 73.084,99 | 79,18 | 1.245,82 | 1.325,00 | 73.084,99 | 42.139,17 | 228.160,83 | 270.300,00 |
| 205 | 71.839,17 | 77,83 | 1.247,17 | 1.325,00 | 71.839,17 | 42.217,00 | 229.408,00 | 271.625,00 |
| 206 | 70.592,00 | 76,47 | 1.248,53 | 1.325,00 | 70.592,00 | 42.293,47 | 230.656,53 | 272.950,00 |
| 207 | 69.343,47 | 75,12 | 1.249,88 | 1.325,00 | 69.343,47 | 42.368,59 | 231.906,41 | 274.275,00 |
| 208 | 68.093,59 | 73,77 | 1.251,23 | 1.325,00 | 68.093,59 | 42.442,36 | 233.157,64 | 275.600,00 |
| 209 | 66.842,36 | 72,41 | 1.252,59 | 1.325,00 | 66.842,36 | 42.514,77 | 234.410,23 | 276.925,00 |
| 210 | 65.589,77 | 71,06 | 1.253,94 | 1.325,00 | 65.589,77 | 42.585,83 | 235.664,17 | 278.250,00 |
| 211 | 64.335,83 | 69,70 | 1.255,30 | 1.325,00 | 64.335,83 | 42.655,53 | 236.919,47 | 279.575,00 |
| 212 | 63.080,53 | 68,34 | 1.256,66 | 1.325,00 | 63.080,53 | 42.723,86 | 238.176,14 | 280.900,00 |
| 213 | 61.823,86 | 66,98 | 1.258,02 | 1.325,00 | 61.823,86 | 42.790,84 | 239.434,16 | 282.225,00 |
| 214 | 60.565,84 | 65,61 | 1.259,39 | 1.325,00 | 60.565,84 | 42.856,45 | 240.693,55 | 283.550,00 |
| 215 | 59.306,45 | 64,25 | 1.260,75 | 1.325,00 | 59.306,45 | 42.920,70 | 241.954,30 | 284.875,00 |
| 216 | 58.045,70 | 62,88 | 1.262,12 | 1.325,00 | 58.045,70 | 42.983,58 | 243.216,42 | 286.200,00 |
| 217 | 56.783,58 | 61,52 | 1.263,48 | 1.325,00 | 56.783,58 | 43.045,10 | 244.479,90 | 287.525,00 |
| 218 | 55.520,10 | 60,15 | 1.264,85 | 1.325,00 | 55.520,10 | 43.105,25 | 245.744,75 | 288.850,00 |
| 219 | 54.255,25 | 58,78 | 1.266,22 | 1.325,00 | 54.255,25 | 43.164,02 | 247.010,98 | 290.175,00 |
| 220 | 52.989,02 | 57,40 | 1.267,60 | 1.325,00 | 52.989,02 | 43.221,43 | 248.278,57 | 291.500,00 |
| 221 | 51.721,43 | 56,03 | 1.268,97 | 1.325,00 | 51.721,43 | 43.277,46 | 249.547,54 | 292.825,00 |
| 222 | 50.452,46 | 54,66 | 1.270,34 | 1.325,00 | 50.452,46 | 43.332,12 | 250.817,88 | 294.150,00 |
| 223 | 49.182,12 | 53,28 | 1.271,72 | 1.325,00 | 49.182,12 | 43.385,40 | 252.089,60 | 295.475,00 |
| 224 | 47.910,40 | 51,90 | 1.273,10 | 1.325,00 | 47.910,40 | 43.437,30 | 253.362,70 | 296.800,00 |
| 225 | 46.637,30 | 50,52 | 1.274,48 | 1.325,00 | 46.637,30 | 43.487,82 | 254.637,18 | 298.125,00 |
| 226 | 45.362,82 | 49,14 | 1.275,86 | 1.325,00 | 45.362,82 | 43.536,97 | 255.913,03 | 299.450,00 |
| 227 | 44.086,97 | 47,76 | 1.277,24 | 1.325,00 | 44.086,97 | 43.584,73 | 257.190,27 | 300.775,00 |
| 228 | 42.809,73 | 46,38 | 1.278,62 | 1.325,00 | 42.809,73 | 43.631,10 | 258.468,90 | 302.100,00 |
| 229 | 41.531,10 | 44,99 | 1.280,01 | 1.325,00 | 41.531,10 | 43.676,10 | 259.748,90 | 303.425,00 |
| 230 | 40.251,10 | 43,61 | 1.281,39 | 1.325,00 | 40.251,10 | 43.719,70 | 261.030,30 | 304.750,00 |
| 231 | 38.969,70 | 42,22 | 1.282,78 | 1.325,00 | 38.969,70 | 43.761,92 | 262.313,08 | 306.075,00 |
| 232 | 37.686,92 | 40,83 | 1.284,17 | 1.325,00 | 37.686,92 | 43.802,75 | 263.597,25 | 307.400,00 |
| 233 | 36.402,75 | 39,44 | 1.285,56 | 1.325,00 | 36.402,75 | 43.842,18 | 264.882,82 | 308.725,00 |
| 234 | 35.117,18 | 38,04 | 1.286,96 | 1.325,00 | 35.117,18 | 43.880,23 | 266.169,77 | 310.050,00 |
| 235 | 33.830,23 | 36,65 | 1.288,35 | 1.325,00 | 33.830,23 | 43.916,88 | 267.458,12 | 311.375,00 |
| 236 | 32.541,88 | 35,25 | 1.289,75 | 1.325,00 | 32.541,88 | 43.952,13 | 268.747,87 | 312.700,00 |
| 237 | 31.252,13 | 33,86 | 1.291,14 | 1.325,00 | 31.252,13 | 43.985,99 | 270.039,01 | 314.025,00 |
| 238 | 29.960,99 | 32,46 | 1.292,54 | 1.325,00 | 29.960,99 | 44.018,44 | 271.331,56 | 315.350,00 |
| 239 | 28.668,44 | 31,06 | 1.293,94 | 1.325,00 | 28.668,44 | 44.049,50 | 272.625,50 | 316.675,00 |
| 240 | 27.374,50 | 29,66 | 1.295,34 | 1.325,00 | 27.374,50 | 44.079,16 | 273.920,84 | 318.000,00 |
creditweb Baufinanzierung
- 1,65%
- gebundener Sollzins*
- 1,68%
- effektiver Jahreszins*
- 1.412,50€
- Monatsrate
- Gesamtzahlung :339.000,00 EUR
- Tilgungsanteil :284.111,18 EUR
- Zinsanteil :54.888,82 EUR
- Restschuld :15.888,82 EUR
Tilgungsplan ↓
Repr. Beispiel nach §6a PAngV:
Nettodarlehensbetrag 150.000,00 EUR;
Kreditrate: 311,25 EUR;
Gesamtbetrag: 18.675,00 EUR;
Anzahl Kreditraten: 60;
Laufzeit: 60 Monate; Effektiver Jahreszins: 0,52 %;
Gebundener Sollzins: 0,49 %;
Der effektive Jahreszins berücksichtigt weder Versicherungsgebühren noch Kosten für Zusatzleistungen. Das Darlehen wird durch Grundpfandrecht besichert.
Kosten für Notar, Grunderwerbsteuer oder das Grundbuchamt sind nicht berücksichtigt. Darlehensgeber bzw. -vermittler ist Creditweb GmbH Lübecker Str. 1
22087 Hamburg
22087 Hamburg
| Monat | kreditsumme | Zinslast | Tilgungslast | Monatsrate | Restschuld | Zinsen gesamt | Tilgung gesamt | GESAMT |
|---|---|---|---|---|---|---|---|---|
| 1 | 300.000,00 | 412,50 | 1.000,00 | 1.412,50 | 299.000,00 | 412,50 | 1.000,00 | 1.412,50 |
| 2 | 299.000,00 | 411,13 | 1.001,38 | 1.412,50 | 299.000,00 | 823,63 | 2.001,38 | 2.825,00 |
| 3 | 297.998,63 | 409,75 | 1.002,75 | 1.412,50 | 297.998,63 | 1.233,37 | 3.004,13 | 4.237,50 |
| 4 | 296.995,87 | 408,37 | 1.004,13 | 1.412,50 | 296.995,87 | 1.641,74 | 4.008,26 | 5.650,00 |
| 5 | 295.991,74 | 406,99 | 1.005,51 | 1.412,50 | 295.991,74 | 2.048,73 | 5.013,77 | 7.062,50 |
| 6 | 294.986,23 | 405,61 | 1.006,89 | 1.412,50 | 294.986,23 | 2.454,34 | 6.020,66 | 8.475,00 |
| 7 | 293.979,34 | 404,22 | 1.008,28 | 1.412,50 | 293.979,34 | 2.858,56 | 7.028,94 | 9.887,50 |
| 8 | 292.971,06 | 402,84 | 1.009,66 | 1.412,50 | 292.971,06 | 3.261,39 | 8.038,61 | 11.300,00 |
| 9 | 291.961,39 | 401,45 | 1.011,05 | 1.412,50 | 291.961,39 | 3.662,84 | 9.049,66 | 12.712,50 |
| 10 | 290.950,34 | 400,06 | 1.012,44 | 1.412,50 | 290.950,34 | 4.062,90 | 10.062,10 | 14.125,00 |
| 11 | 289.937,90 | 398,66 | 1.013,84 | 1.412,50 | 289.937,90 | 4.461,56 | 11.075,94 | 15.537,50 |
| 12 | 288.924,06 | 397,27 | 1.015,23 | 1.412,50 | 288.924,06 | 4.858,83 | 12.091,17 | 16.950,00 |
| 13 | 287.908,83 | 395,87 | 1.016,63 | 1.412,50 | 287.908,83 | 5.254,71 | 13.107,79 | 18.362,50 |
| 14 | 286.892,21 | 394,48 | 1.018,02 | 1.412,50 | 286.892,21 | 5.649,18 | 14.125,82 | 19.775,00 |
| 15 | 285.874,18 | 393,08 | 1.019,42 | 1.412,50 | 285.874,18 | 6.042,26 | 15.145,24 | 21.187,50 |
| 16 | 284.854,76 | 391,68 | 1.020,82 | 1.412,50 | 284.854,76 | 6.433,94 | 16.166,06 | 22.600,00 |
| 17 | 283.833,94 | 390,27 | 1.022,23 | 1.412,50 | 283.833,94 | 6.824,21 | 17.188,29 | 24.012,50 |
| 18 | 282.811,71 | 388,87 | 1.023,63 | 1.412,50 | 282.811,71 | 7.213,07 | 18.211,93 | 25.425,00 |
| 19 | 281.788,07 | 387,46 | 1.025,04 | 1.412,50 | 281.788,07 | 7.600,53 | 19.236,97 | 26.837,50 |
| 20 | 280.763,03 | 386,05 | 1.026,45 | 1.412,50 | 280.763,03 | 7.986,58 | 20.263,42 | 28.250,00 |
| 21 | 279.736,58 | 384,64 | 1.027,86 | 1.412,50 | 279.736,58 | 8.371,22 | 21.291,28 | 29.662,50 |
| 22 | 278.708,72 | 383,22 | 1.029,28 | 1.412,50 | 278.708,72 | 8.754,44 | 22.320,56 | 31.075,00 |
| 23 | 277.679,44 | 381,81 | 1.030,69 | 1.412,50 | 277.679,44 | 9.136,25 | 23.351,25 | 32.487,50 |
| 24 | 276.648,75 | 380,39 | 1.032,11 | 1.412,50 | 276.648,75 | 9.516,65 | 24.383,35 | 33.900,00 |
| 25 | 275.616,65 | 378,97 | 1.033,53 | 1.412,50 | 275.616,65 | 9.895,62 | 25.416,88 | 35.312,50 |
| 26 | 274.583,12 | 377,55 | 1.034,95 | 1.412,50 | 274.583,12 | 10.273,17 | 26.451,83 | 36.725,00 |
| 27 | 273.548,17 | 376,13 | 1.036,37 | 1.412,50 | 273.548,17 | 10.649,30 | 27.488,20 | 38.137,50 |
| 28 | 272.511,80 | 374,70 | 1.037,80 | 1.412,50 | 272.511,80 | 11.024,00 | 28.526,00 | 39.550,00 |
| 29 | 271.474,00 | 373,28 | 1.039,22 | 1.412,50 | 271.474,00 | 11.397,28 | 29.565,22 | 40.962,50 |
| 30 | 270.434,78 | 371,85 | 1.040,65 | 1.412,50 | 270.434,78 | 11.769,13 | 30.605,87 | 42.375,00 |
| 31 | 269.394,13 | 370,42 | 1.042,08 | 1.412,50 | 269.394,13 | 12.139,54 | 31.647,96 | 43.787,50 |
| 32 | 268.352,04 | 368,98 | 1.043,52 | 1.412,50 | 268.352,04 | 12.508,53 | 32.691,47 | 45.200,00 |
| 33 | 267.308,53 | 367,55 | 1.044,95 | 1.412,50 | 267.308,53 | 12.876,08 | 33.736,42 | 46.612,50 |
| 34 | 266.263,58 | 366,11 | 1.046,39 | 1.412,50 | 266.263,58 | 13.242,19 | 34.782,81 | 48.025,00 |
| 35 | 265.217,19 | 364,67 | 1.047,83 | 1.412,50 | 265.217,19 | 13.606,86 | 35.830,64 | 49.437,50 |
| 36 | 264.169,36 | 363,23 | 1.049,27 | 1.412,50 | 264.169,36 | 13.970,10 | 36.879,90 | 50.850,00 |
| 37 | 263.120,10 | 361,79 | 1.050,71 | 1.412,50 | 263.120,10 | 14.331,89 | 37.930,61 | 52.262,50 |
| 38 | 262.069,39 | 360,35 | 1.052,15 | 1.412,50 | 262.069,39 | 14.692,23 | 38.982,77 | 53.675,00 |
| 39 | 261.017,23 | 358,90 | 1.053,60 | 1.412,50 | 261.017,23 | 15.051,13 | 40.036,37 | 55.087,50 |
| 40 | 259.963,63 | 357,45 | 1.055,05 | 1.412,50 | 259.963,63 | 15.408,58 | 41.091,42 | 56.500,00 |
| 41 | 258.908,58 | 356,00 | 1.056,50 | 1.412,50 | 258.908,58 | 15.764,58 | 42.147,92 | 57.912,50 |
| 42 | 257.852,08 | 354,55 | 1.057,95 | 1.412,50 | 257.852,08 | 16.119,13 | 43.205,87 | 59.325,00 |
| 43 | 256.794,13 | 353,09 | 1.059,41 | 1.412,50 | 256.794,13 | 16.472,22 | 44.265,28 | 60.737,50 |
| 44 | 255.734,72 | 351,64 | 1.060,86 | 1.412,50 | 255.734,72 | 16.823,85 | 45.326,15 | 62.150,00 |
| 45 | 254.673,85 | 350,18 | 1.062,32 | 1.412,50 | 254.673,85 | 17.174,03 | 46.388,47 | 63.562,50 |
| 46 | 253.611,53 | 348,72 | 1.063,78 | 1.412,50 | 253.611,53 | 17.522,75 | 47.452,25 | 64.975,00 |
| 47 | 252.547,75 | 347,25 | 1.065,25 | 1.412,50 | 252.547,75 | 17.870,00 | 48.517,50 | 66.387,50 |
| 48 | 251.482,50 | 345,79 | 1.066,71 | 1.412,50 | 251.482,50 | 18.215,79 | 49.584,21 | 67.800,00 |
| 49 | 250.415,79 | 344,32 | 1.068,18 | 1.412,50 | 250.415,79 | 18.560,11 | 50.652,39 | 69.212,50 |
| 50 | 249.347,61 | 342,85 | 1.069,65 | 1.412,50 | 249.347,61 | 18.902,96 | 51.722,04 | 70.625,00 |
| 51 | 248.277,96 | 341,38 | 1.071,12 | 1.412,50 | 248.277,96 | 19.244,34 | 52.793,16 | 72.037,50 |
| 52 | 247.206,84 | 339,91 | 1.072,59 | 1.412,50 | 247.206,84 | 19.584,25 | 53.865,75 | 73.450,00 |
| 53 | 246.134,25 | 338,43 | 1.074,07 | 1.412,50 | 246.134,25 | 19.922,69 | 54.939,81 | 74.862,50 |
| 54 | 245.060,19 | 336,96 | 1.075,54 | 1.412,50 | 245.060,19 | 20.259,65 | 56.015,35 | 76.275,00 |
| 55 | 243.984,65 | 335,48 | 1.077,02 | 1.412,50 | 243.984,65 | 20.595,13 | 57.092,37 | 77.687,50 |
| 56 | 242.907,63 | 334,00 | 1.078,50 | 1.412,50 | 242.907,63 | 20.929,12 | 58.170,88 | 79.100,00 |
| 57 | 241.829,12 | 332,52 | 1.079,98 | 1.412,50 | 241.829,12 | 21.261,64 | 59.250,86 | 80.512,50 |
| 58 | 240.749,14 | 331,03 | 1.081,47 | 1.412,50 | 240.749,14 | 21.592,67 | 60.332,33 | 81.925,00 |
| 59 | 239.667,67 | 329,54 | 1.082,96 | 1.412,50 | 239.667,67 | 21.922,21 | 61.415,29 | 83.337,50 |
| 60 | 238.584,71 | 328,05 | 1.084,45 | 1.412,50 | 238.584,71 | 22.250,27 | 62.499,73 | 84.750,00 |
| 61 | 237.500,27 | 326,56 | 1.085,94 | 1.412,50 | 237.500,27 | 22.576,83 | 63.585,67 | 86.162,50 |
| 62 | 236.414,33 | 325,07 | 1.087,43 | 1.412,50 | 236.414,33 | 22.901,90 | 64.673,10 | 87.575,00 |
| 63 | 235.326,90 | 323,57 | 1.088,93 | 1.412,50 | 235.326,90 | 23.225,47 | 65.762,03 | 88.987,50 |
| 64 | 234.237,97 | 322,08 | 1.090,42 | 1.412,50 | 234.237,97 | 23.547,55 | 66.852,45 | 90.400,00 |
| 65 | 233.147,55 | 320,58 | 1.091,92 | 1.412,50 | 233.147,55 | 23.868,13 | 67.944,37 | 91.812,50 |
| 66 | 232.055,63 | 319,08 | 1.093,42 | 1.412,50 | 232.055,63 | 24.187,20 | 69.037,80 | 93.225,00 |
| 67 | 230.962,20 | 317,57 | 1.094,93 | 1.412,50 | 230.962,20 | 24.504,78 | 70.132,72 | 94.637,50 |
| 68 | 229.867,28 | 316,07 | 1.096,43 | 1.412,50 | 229.867,28 | 24.820,84 | 71.229,16 | 96.050,00 |
| 69 | 228.770,84 | 314,56 | 1.097,94 | 1.412,50 | 228.770,84 | 25.135,40 | 72.327,10 | 97.462,50 |
| 70 | 227.672,90 | 313,05 | 1.099,45 | 1.412,50 | 227.672,90 | 25.448,45 | 73.426,55 | 98.875,00 |
| 71 | 226.573,45 | 311,54 | 1.100,96 | 1.412,50 | 226.573,45 | 25.759,99 | 74.527,51 | 100.287,50 |
| 72 | 225.472,49 | 310,02 | 1.102,48 | 1.412,50 | 225.472,49 | 26.070,02 | 75.629,98 | 101.700,00 |
| 73 | 224.370,02 | 308,51 | 1.103,99 | 1.412,50 | 224.370,02 | 26.378,53 | 76.733,97 | 103.112,50 |
| 74 | 223.266,03 | 306,99 | 1.105,51 | 1.412,50 | 223.266,03 | 26.685,52 | 77.839,48 | 104.525,00 |
| 75 | 222.160,52 | 305,47 | 1.107,03 | 1.412,50 | 222.160,52 | 26.990,99 | 78.946,51 | 105.937,50 |
| 76 | 221.053,49 | 303,95 | 1.108,55 | 1.412,50 | 221.053,49 | 27.294,94 | 80.055,06 | 107.350,00 |
| 77 | 219.944,94 | 302,42 | 1.110,08 | 1.412,50 | 219.944,94 | 27.597,36 | 81.165,14 | 108.762,50 |
| 78 | 218.834,86 | 300,90 | 1.111,60 | 1.412,50 | 218.834,86 | 27.898,26 | 82.276,74 | 110.175,00 |
| 79 | 217.723,26 | 299,37 | 1.113,13 | 1.412,50 | 217.723,26 | 28.197,63 | 83.389,87 | 111.587,50 |
| 80 | 216.610,13 | 297,84 | 1.114,66 | 1.412,50 | 216.610,13 | 28.495,47 | 84.504,53 | 113.000,00 |
| 81 | 215.495,47 | 296,31 | 1.116,19 | 1.412,50 | 215.495,47 | 28.791,77 | 85.620,73 | 114.412,50 |
| 82 | 214.379,27 | 294,77 | 1.117,73 | 1.412,50 | 214.379,27 | 29.086,55 | 86.738,45 | 115.825,00 |
| 83 | 213.261,55 | 293,23 | 1.119,27 | 1.412,50 | 213.261,55 | 29.379,78 | 87.857,72 | 117.237,50 |
| 84 | 212.142,28 | 291,70 | 1.120,80 | 1.412,50 | 212.142,28 | 29.671,48 | 88.978,52 | 118.650,00 |
| 85 | 211.021,48 | 290,15 | 1.122,35 | 1.412,50 | 211.021,48 | 29.961,63 | 90.100,87 | 120.062,50 |
| 86 | 209.899,13 | 288,61 | 1.123,89 | 1.412,50 | 209.899,13 | 30.250,24 | 91.224,76 | 121.475,00 |
| 87 | 208.775,24 | 287,07 | 1.125,43 | 1.412,50 | 208.775,24 | 30.537,31 | 92.350,19 | 122.887,50 |
| 88 | 207.649,81 | 285,52 | 1.126,98 | 1.412,50 | 207.649,81 | 30.822,83 | 93.477,17 | 124.300,00 |
| 89 | 206.522,83 | 283,97 | 1.128,53 | 1.412,50 | 206.522,83 | 31.106,79 | 94.605,71 | 125.712,50 |
| 90 | 205.394,29 | 282,42 | 1.130,08 | 1.412,50 | 205.394,29 | 31.389,21 | 95.735,79 | 127.125,00 |
| 91 | 204.264,21 | 280,86 | 1.131,64 | 1.412,50 | 204.264,21 | 31.670,07 | 96.867,43 | 128.537,50 |
| 92 | 203.132,57 | 279,31 | 1.133,19 | 1.412,50 | 203.132,57 | 31.949,38 | 98.000,62 | 129.950,00 |
| 93 | 201.999,38 | 277,75 | 1.134,75 | 1.412,50 | 201.999,38 | 32.227,13 | 99.135,37 | 131.362,50 |
| 94 | 200.864,63 | 276,19 | 1.136,31 | 1.412,50 | 200.864,63 | 32.503,32 | 100.271,68 | 132.775,00 |
| 95 | 199.728,32 | 274,63 | 1.137,87 | 1.412,50 | 199.728,32 | 32.777,95 | 101.409,55 | 134.187,50 |
| 96 | 198.590,45 | 273,06 | 1.139,44 | 1.412,50 | 198.590,45 | 33.051,01 | 102.548,99 | 135.600,00 |
| 97 | 197.451,01 | 271,50 | 1.141,00 | 1.412,50 | 197.451,01 | 33.322,50 | 103.690,00 | 137.012,50 |
| 98 | 196.310,00 | 269,93 | 1.142,57 | 1.412,50 | 196.310,00 | 33.592,43 | 104.832,57 | 138.425,00 |
| 99 | 195.167,43 | 268,36 | 1.144,14 | 1.412,50 | 195.167,43 | 33.860,79 | 105.976,71 | 139.837,50 |
| 100 | 194.023,29 | 266,78 | 1.145,72 | 1.412,50 | 194.023,29 | 34.127,57 | 107.122,43 | 141.250,00 |
| 101 | 192.877,57 | 265,21 | 1.147,29 | 1.412,50 | 192.877,57 | 34.392,77 | 108.269,73 | 142.662,50 |
| 102 | 191.730,27 | 263,63 | 1.148,87 | 1.412,50 | 191.730,27 | 34.656,40 | 109.418,60 | 144.075,00 |
| 103 | 190.581,40 | 262,05 | 1.150,45 | 1.412,50 | 190.581,40 | 34.918,45 | 110.569,05 | 145.487,50 |
| 104 | 189.430,95 | 260,47 | 1.152,03 | 1.412,50 | 189.430,95 | 35.178,92 | 111.721,08 | 146.900,00 |
| 105 | 188.278,92 | 258,88 | 1.153,62 | 1.412,50 | 188.278,92 | 35.437,80 | 112.874,70 | 148.312,50 |
| 106 | 187.125,30 | 257,30 | 1.155,20 | 1.412,50 | 187.125,30 | 35.695,10 | 114.029,90 | 149.725,00 |
| 107 | 185.970,10 | 255,71 | 1.156,79 | 1.412,50 | 185.970,10 | 35.950,81 | 115.186,69 | 151.137,50 |
| 108 | 184.813,31 | 254,12 | 1.158,38 | 1.412,50 | 184.813,31 | 36.204,93 | 116.345,07 | 152.550,00 |
| 109 | 183.654,93 | 252,53 | 1.159,97 | 1.412,50 | 183.654,93 | 36.457,45 | 117.505,05 | 153.962,50 |
| 110 | 182.494,95 | 250,93 | 1.161,57 | 1.412,50 | 182.494,95 | 36.708,38 | 118.666,62 | 155.375,00 |
| 111 | 181.333,38 | 249,33 | 1.163,17 | 1.412,50 | 181.333,38 | 36.957,72 | 119.829,78 | 156.787,50 |
| 112 | 180.170,22 | 247,73 | 1.164,77 | 1.412,50 | 180.170,22 | 37.205,45 | 120.994,55 | 158.200,00 |
| 113 | 179.005,45 | 246,13 | 1.166,37 | 1.412,50 | 179.005,45 | 37.451,58 | 122.160,92 | 159.612,50 |
| 114 | 177.839,08 | 244,53 | 1.167,97 | 1.412,50 | 177.839,08 | 37.696,11 | 123.328,89 | 161.025,00 |
| 115 | 176.671,11 | 242,92 | 1.169,58 | 1.412,50 | 176.671,11 | 37.939,04 | 124.498,46 | 162.437,50 |
| 116 | 175.501,54 | 241,31 | 1.171,19 | 1.412,50 | 175.501,54 | 38.180,35 | 125.669,65 | 163.850,00 |
| 117 | 174.330,35 | 239,70 | 1.172,80 | 1.412,50 | 174.330,35 | 38.420,05 | 126.842,45 | 165.262,50 |
| 118 | 173.157,55 | 238,09 | 1.174,41 | 1.412,50 | 173.157,55 | 38.658,15 | 128.016,85 | 166.675,00 |
| 119 | 171.983,15 | 236,48 | 1.176,02 | 1.412,50 | 171.983,15 | 38.894,62 | 129.192,88 | 168.087,50 |
| 120 | 170.807,12 | 234,86 | 1.177,64 | 1.412,50 | 170.807,12 | 39.129,48 | 130.370,52 | 169.500,00 |
| 121 | 169.629,48 | 233,24 | 1.179,26 | 1.412,50 | 169.629,48 | 39.362,72 | 131.549,78 | 170.912,50 |
| 122 | 168.450,22 | 231,62 | 1.180,88 | 1.412,50 | 168.450,22 | 39.594,34 | 132.730,66 | 172.325,00 |
| 123 | 167.269,34 | 230,00 | 1.182,50 | 1.412,50 | 167.269,34 | 39.824,34 | 133.913,16 | 173.737,50 |
| 124 | 166.086,84 | 228,37 | 1.184,13 | 1.412,50 | 166.086,84 | 40.052,71 | 135.097,29 | 175.150,00 |
| 125 | 164.902,71 | 226,74 | 1.185,76 | 1.412,50 | 164.902,71 | 40.279,45 | 136.283,05 | 176.562,50 |
| 126 | 163.716,95 | 225,11 | 1.187,39 | 1.412,50 | 163.716,95 | 40.504,56 | 137.470,44 | 177.975,00 |
| 127 | 162.529,56 | 223,48 | 1.189,02 | 1.412,50 | 162.529,56 | 40.728,04 | 138.659,46 | 179.387,50 |
| 128 | 161.340,54 | 221,84 | 1.190,66 | 1.412,50 | 161.340,54 | 40.949,88 | 139.850,12 | 180.800,00 |
| 129 | 160.149,88 | 220,21 | 1.192,29 | 1.412,50 | 160.149,88 | 41.170,09 | 141.042,41 | 182.212,50 |
| 130 | 158.957,59 | 218,57 | 1.193,93 | 1.412,50 | 158.957,59 | 41.388,65 | 142.236,35 | 183.625,00 |
| 131 | 157.763,65 | 216,93 | 1.195,57 | 1.412,50 | 157.763,65 | 41.605,58 | 143.431,92 | 185.037,50 |
| 132 | 156.568,08 | 215,28 | 1.197,22 | 1.412,50 | 156.568,08 | 41.820,86 | 144.629,14 | 186.450,00 |
| 133 | 155.370,86 | 213,63 | 1.198,87 | 1.412,50 | 155.370,86 | 42.034,49 | 145.828,01 | 187.862,50 |
| 134 | 154.171,99 | 211,99 | 1.200,51 | 1.412,50 | 154.171,99 | 42.246,48 | 147.028,52 | 189.275,00 |
| 135 | 152.971,48 | 210,34 | 1.202,16 | 1.412,50 | 152.971,48 | 42.456,82 | 148.230,68 | 190.687,50 |
| 136 | 151.769,32 | 208,68 | 1.203,82 | 1.412,50 | 151.769,32 | 42.665,50 | 149.434,50 | 192.100,00 |
| 137 | 150.565,50 | 207,03 | 1.205,47 | 1.412,50 | 150.565,50 | 42.872,53 | 150.639,97 | 193.512,50 |
| 138 | 149.360,03 | 205,37 | 1.207,13 | 1.412,50 | 149.360,03 | 43.077,90 | 151.847,10 | 194.925,00 |
| 139 | 148.152,90 | 203,71 | 1.208,79 | 1.412,50 | 148.152,90 | 43.281,61 | 153.055,89 | 196.337,50 |
| 140 | 146.944,11 | 202,05 | 1.210,45 | 1.412,50 | 146.944,11 | 43.483,66 | 154.266,34 | 197.750,00 |
| 141 | 145.733,66 | 200,38 | 1.212,12 | 1.412,50 | 145.733,66 | 43.684,04 | 155.478,46 | 199.162,50 |
| 142 | 144.521,54 | 198,72 | 1.213,78 | 1.412,50 | 144.521,54 | 43.882,76 | 156.692,24 | 200.575,00 |
| 143 | 143.307,76 | 197,05 | 1.215,45 | 1.412,50 | 143.307,76 | 44.079,80 | 157.907,70 | 201.987,50 |
| 144 | 142.092,30 | 195,38 | 1.217,12 | 1.412,50 | 142.092,30 | 44.275,18 | 159.124,82 | 203.400,00 |
| 145 | 140.875,18 | 193,70 | 1.218,80 | 1.412,50 | 140.875,18 | 44.468,88 | 160.343,62 | 204.812,50 |
| 146 | 139.656,38 | 192,03 | 1.220,47 | 1.412,50 | 139.656,38 | 44.660,91 | 161.564,09 | 206.225,00 |
| 147 | 138.435,91 | 190,35 | 1.222,15 | 1.412,50 | 138.435,91 | 44.851,26 | 162.786,24 | 207.637,50 |
| 148 | 137.213,76 | 188,67 | 1.223,83 | 1.412,50 | 137.213,76 | 45.039,93 | 164.010,07 | 209.050,00 |
| 149 | 135.989,93 | 186,99 | 1.225,51 | 1.412,50 | 135.989,93 | 45.226,92 | 165.235,58 | 210.462,50 |
| 150 | 134.764,42 | 185,30 | 1.227,20 | 1.412,50 | 134.764,42 | 45.412,22 | 166.462,78 | 211.875,00 |
| 151 | 133.537,22 | 183,61 | 1.228,89 | 1.412,50 | 133.537,22 | 45.595,83 | 167.691,67 | 213.287,50 |
| 152 | 132.308,33 | 181,92 | 1.230,58 | 1.412,50 | 132.308,33 | 45.777,76 | 168.922,24 | 214.700,00 |
| 153 | 131.077,76 | 180,23 | 1.232,27 | 1.412,50 | 131.077,76 | 45.957,99 | 170.154,51 | 216.112,50 |
| 154 | 129.845,49 | 178,54 | 1.233,96 | 1.412,50 | 129.845,49 | 46.136,52 | 171.388,48 | 217.525,00 |
| 155 | 128.611,52 | 176,84 | 1.235,66 | 1.412,50 | 128.611,52 | 46.313,37 | 172.624,13 | 218.937,50 |
| 156 | 127.375,87 | 175,14 | 1.237,36 | 1.412,50 | 127.375,87 | 46.488,51 | 173.861,49 | 220.350,00 |
| 157 | 126.138,51 | 173,44 | 1.239,06 | 1.412,50 | 126.138,51 | 46.661,95 | 175.100,55 | 221.762,50 |
| 158 | 124.899,45 | 171,74 | 1.240,76 | 1.412,50 | 124.899,45 | 46.833,68 | 176.341,32 | 223.175,00 |
| 159 | 123.658,68 | 170,03 | 1.242,47 | 1.412,50 | 123.658,68 | 47.003,72 | 177.583,78 | 224.587,50 |
| 160 | 122.416,22 | 168,32 | 1.244,18 | 1.412,50 | 122.416,22 | 47.172,04 | 178.827,96 | 226.000,00 |
| 161 | 121.172,04 | 166,61 | 1.245,89 | 1.412,50 | 121.172,04 | 47.338,65 | 180.073,85 | 227.412,50 |
| 162 | 119.926,15 | 164,90 | 1.247,60 | 1.412,50 | 119.926,15 | 47.503,55 | 181.321,45 | 228.825,00 |
| 163 | 118.678,55 | 163,18 | 1.249,32 | 1.412,50 | 118.678,55 | 47.666,73 | 182.570,77 | 230.237,50 |
| 164 | 117.429,23 | 161,47 | 1.251,03 | 1.412,50 | 117.429,23 | 47.828,20 | 183.821,80 | 231.650,00 |
| 165 | 116.178,20 | 159,75 | 1.252,75 | 1.412,50 | 116.178,20 | 47.987,94 | 185.074,56 | 233.062,50 |
| 166 | 114.925,44 | 158,02 | 1.254,48 | 1.412,50 | 114.925,44 | 48.145,96 | 186.329,04 | 234.475,00 |
| 167 | 113.670,96 | 156,30 | 1.256,20 | 1.412,50 | 113.670,96 | 48.302,26 | 187.585,24 | 235.887,50 |
| 168 | 112.414,76 | 154,57 | 1.257,93 | 1.412,50 | 112.414,76 | 48.456,83 | 188.843,17 | 237.300,00 |
| 169 | 111.156,83 | 152,84 | 1.259,66 | 1.412,50 | 111.156,83 | 48.609,67 | 190.102,83 | 238.712,50 |
| 170 | 109.897,17 | 151,11 | 1.261,39 | 1.412,50 | 109.897,17 | 48.760,78 | 191.364,22 | 240.125,00 |
| 171 | 108.635,78 | 149,37 | 1.263,13 | 1.412,50 | 108.635,78 | 48.910,15 | 192.627,35 | 241.537,50 |
| 172 | 107.372,65 | 147,64 | 1.264,86 | 1.412,50 | 107.372,65 | 49.057,79 | 193.892,21 | 242.950,00 |
| 173 | 106.107,79 | 145,90 | 1.266,60 | 1.412,50 | 106.107,79 | 49.203,69 | 195.158,81 | 244.362,50 |
| 174 | 104.841,19 | 144,16 | 1.268,34 | 1.412,50 | 104.841,19 | 49.347,85 | 196.427,15 | 245.775,00 |
| 175 | 103.572,85 | 142,41 | 1.270,09 | 1.412,50 | 103.572,85 | 49.490,26 | 197.697,24 | 247.187,50 |
| 176 | 102.302,76 | 140,67 | 1.271,83 | 1.412,50 | 102.302,76 | 49.630,93 | 198.969,07 | 248.600,00 |
| 177 | 101.030,93 | 138,92 | 1.273,58 | 1.412,50 | 101.030,93 | 49.769,84 | 200.242,66 | 250.012,50 |
| 178 | 99.757,34 | 137,17 | 1.275,33 | 1.412,50 | 99.757,34 | 49.907,01 | 201.517,99 | 251.425,00 |
| 179 | 98.482,01 | 135,41 | 1.277,09 | 1.412,50 | 98.482,01 | 50.042,42 | 202.795,08 | 252.837,50 |
| 180 | 97.204,92 | 133,66 | 1.278,84 | 1.412,50 | 97.204,92 | 50.176,08 | 204.073,92 | 254.250,00 |
| 181 | 95.926,08 | 131,90 | 1.280,60 | 1.412,50 | 95.926,08 | 50.307,98 | 205.354,52 | 255.662,50 |
| 182 | 94.645,48 | 130,14 | 1.282,36 | 1.412,50 | 94.645,48 | 50.438,12 | 206.636,88 | 257.075,00 |
| 183 | 93.363,12 | 128,37 | 1.284,13 | 1.412,50 | 93.363,12 | 50.566,49 | 207.921,01 | 258.487,50 |
| 184 | 92.078,99 | 126,61 | 1.285,89 | 1.412,50 | 92.078,99 | 50.693,10 | 209.206,90 | 259.900,00 |
| 185 | 90.793,10 | 124,84 | 1.287,66 | 1.412,50 | 90.793,10 | 50.817,94 | 210.494,56 | 261.312,50 |
| 186 | 89.505,44 | 123,07 | 1.289,43 | 1.412,50 | 89.505,44 | 50.941,01 | 211.783,99 | 262.725,00 |
| 187 | 88.216,01 | 121,30 | 1.291,20 | 1.412,50 | 88.216,01 | 51.062,31 | 213.075,19 | 264.137,50 |
| 188 | 86.924,81 | 119,52 | 1.292,98 | 1.412,50 | 86.924,81 | 51.181,83 | 214.368,17 | 265.550,00 |
| 189 | 85.631,83 | 117,74 | 1.294,76 | 1.412,50 | 85.631,83 | 51.299,57 | 215.662,93 | 266.962,50 |
| 190 | 84.337,07 | 115,96 | 1.296,54 | 1.412,50 | 84.337,07 | 51.415,53 | 216.959,47 | 268.375,00 |
| 191 | 83.040,53 | 114,18 | 1.298,32 | 1.412,50 | 83.040,53 | 51.529,72 | 218.257,78 | 269.787,50 |
| 192 | 81.742,22 | 112,40 | 1.300,10 | 1.412,50 | 81.742,22 | 51.642,11 | 219.557,89 | 271.200,00 |
| 193 | 80.442,11 | 110,61 | 1.301,89 | 1.412,50 | 80.442,11 | 51.752,72 | 220.859,78 | 272.612,50 |
| 194 | 79.140,22 | 108,82 | 1.303,68 | 1.412,50 | 79.140,22 | 51.861,54 | 222.163,46 | 274.025,00 |
| 195 | 77.836,54 | 107,03 | 1.305,47 | 1.412,50 | 77.836,54 | 51.968,56 | 223.468,94 | 275.437,50 |
| 196 | 76.531,06 | 105,23 | 1.307,27 | 1.412,50 | 76.531,06 | 52.073,79 | 224.776,21 | 276.850,00 |
| 197 | 75.223,79 | 103,43 | 1.309,07 | 1.412,50 | 75.223,79 | 52.177,22 | 226.085,28 | 278.262,50 |
| 198 | 73.914,72 | 101,63 | 1.310,87 | 1.412,50 | 73.914,72 | 52.278,86 | 227.396,14 | 279.675,00 |
| 199 | 72.603,86 | 99,83 | 1.312,67 | 1.412,50 | 72.603,86 | 52.378,69 | 228.708,81 | 281.087,50 |
| 200 | 71.291,19 | 98,03 | 1.314,47 | 1.412,50 | 71.291,19 | 52.476,71 | 230.023,29 | 282.500,00 |
| 201 | 69.976,71 | 96,22 | 1.316,28 | 1.412,50 | 69.976,71 | 52.572,93 | 231.339,57 | 283.912,50 |
| 202 | 68.660,43 | 94,41 | 1.318,09 | 1.412,50 | 68.660,43 | 52.667,34 | 232.657,66 | 285.325,00 |
| 203 | 67.342,34 | 92,60 | 1.319,90 | 1.412,50 | 67.342,34 | 52.759,93 | 233.977,57 | 286.737,50 |
| 204 | 66.022,43 | 90,78 | 1.321,72 | 1.412,50 | 66.022,43 | 52.850,72 | 235.299,28 | 288.150,00 |
| 205 | 64.700,72 | 88,96 | 1.323,54 | 1.412,50 | 64.700,72 | 52.939,68 | 236.622,82 | 289.562,50 |
| 206 | 63.377,18 | 87,14 | 1.325,36 | 1.412,50 | 63.377,18 | 53.026,82 | 237.948,18 | 290.975,00 |
| 207 | 62.051,82 | 85,32 | 1.327,18 | 1.412,50 | 62.051,82 | 53.112,14 | 239.275,36 | 292.387,50 |
| 208 | 60.724,64 | 83,50 | 1.329,00 | 1.412,50 | 60.724,64 | 53.195,64 | 240.604,36 | 293.800,00 |
| 209 | 59.395,64 | 81,67 | 1.330,83 | 1.412,50 | 59.395,64 | 53.277,31 | 241.935,19 | 295.212,50 |
| 210 | 58.064,81 | 79,84 | 1.332,66 | 1.412,50 | 58.064,81 | 53.357,15 | 243.267,85 | 296.625,00 |
| 211 | 56.732,15 | 78,01 | 1.334,49 | 1.412,50 | 56.732,15 | 53.435,16 | 244.602,34 | 298.037,50 |
| 212 | 55.397,66 | 76,17 | 1.336,33 | 1.412,50 | 55.397,66 | 53.511,33 | 245.938,67 | 299.450,00 |
| 213 | 54.061,33 | 74,33 | 1.338,17 | 1.412,50 | 54.061,33 | 53.585,66 | 247.276,84 | 300.862,50 |
| 214 | 52.723,16 | 72,49 | 1.340,01 | 1.412,50 | 52.723,16 | 53.658,16 | 248.616,84 | 302.275,00 |
| 215 | 51.383,16 | 70,65 | 1.341,85 | 1.412,50 | 51.383,16 | 53.728,81 | 249.958,69 | 303.687,50 |
| 216 | 50.041,31 | 68,81 | 1.343,69 | 1.412,50 | 50.041,31 | 53.797,61 | 251.302,39 | 305.100,00 |
| 217 | 48.697,61 | 66,96 | 1.345,54 | 1.412,50 | 48.697,61 | 53.864,57 | 252.647,93 | 306.512,50 |
| 218 | 47.352,07 | 65,11 | 1.347,39 | 1.412,50 | 47.352,07 | 53.929,68 | 253.995,32 | 307.925,00 |
| 219 | 46.004,68 | 63,26 | 1.349,24 | 1.412,50 | 46.004,68 | 53.992,94 | 255.344,56 | 309.337,50 |
| 220 | 44.655,44 | 61,40 | 1.351,10 | 1.412,50 | 44.655,44 | 54.054,34 | 256.695,66 | 310.750,00 |
| 221 | 43.304,34 | 59,54 | 1.352,96 | 1.412,50 | 43.304,34 | 54.113,88 | 258.048,62 | 312.162,50 |
| 222 | 41.951,38 | 57,68 | 1.354,82 | 1.412,50 | 41.951,38 | 54.171,57 | 259.403,43 | 313.575,00 |
| 223 | 40.596,57 | 55,82 | 1.356,68 | 1.412,50 | 40.596,57 | 54.227,39 | 260.760,11 | 314.987,50 |
| 224 | 39.239,89 | 53,95 | 1.358,55 | 1.412,50 | 39.239,89 | 54.281,34 | 262.118,66 | 316.400,00 |
| 225 | 37.881,34 | 52,09 | 1.360,41 | 1.412,50 | 37.881,34 | 54.333,43 | 263.479,07 | 317.812,50 |
| 226 | 36.520,93 | 50,22 | 1.362,28 | 1.412,50 | 36.520,93 | 54.383,65 | 264.841,35 | 319.225,00 |
| 227 | 35.158,65 | 48,34 | 1.364,16 | 1.412,50 | 35.158,65 | 54.431,99 | 266.205,51 | 320.637,50 |
| 228 | 33.794,49 | 46,47 | 1.366,03 | 1.412,50 | 33.794,49 | 54.478,46 | 267.571,54 | 322.050,00 |
| 229 | 32.428,46 | 44,59 | 1.367,91 | 1.412,50 | 32.428,46 | 54.523,04 | 268.939,46 | 323.462,50 |
| 230 | 31.060,54 | 42,71 | 1.369,79 | 1.412,50 | 31.060,54 | 54.565,75 | 270.309,25 | 324.875,00 |
| 231 | 29.690,75 | 40,82 | 1.371,68 | 1.412,50 | 29.690,75 | 54.606,58 | 271.680,92 | 326.287,50 |
| 232 | 28.319,08 | 38,94 | 1.373,56 | 1.412,50 | 28.319,08 | 54.645,52 | 273.054,48 | 327.700,00 |
| 233 | 26.945,52 | 37,05 | 1.375,45 | 1.412,50 | 26.945,52 | 54.682,57 | 274.429,93 | 329.112,50 |
| 234 | 25.570,07 | 35,16 | 1.377,34 | 1.412,50 | 25.570,07 | 54.717,73 | 275.807,27 | 330.525,00 |
| 235 | 24.192,73 | 33,26 | 1.379,24 | 1.412,50 | 24.192,73 | 54.750,99 | 277.186,51 | 331.937,50 |
| 236 | 22.813,49 | 31,37 | 1.381,13 | 1.412,50 | 22.813,49 | 54.782,36 | 278.567,64 | 333.350,00 |
| 237 | 21.432,36 | 29,47 | 1.383,03 | 1.412,50 | 21.432,36 | 54.811,83 | 279.950,67 | 334.762,50 |
| 238 | 20.049,33 | 27,57 | 1.384,93 | 1.412,50 | 20.049,33 | 54.839,40 | 281.335,60 | 336.175,00 |
| 239 | 18.664,40 | 25,66 | 1.386,84 | 1.412,50 | 18.664,40 | 54.865,06 | 282.722,44 | 337.587,50 |
| 240 | 17.277,56 | 23,76 | 1.388,74 | 1.412,50 | 17.277,56 | 54.888,82 | 284.111,18 | 339.000,00 |
Dr. Klein Baufinanzierung
- 1,96%
- gebundener Sollzins*
- 2,00%
- effektiver Jahreszins*
- 1.490,00€
- Monatsrate
- Gesamtzahlung :357.600,00 EUR
- Tilgungsanteil :293.549,71 EUR
- Zinsanteil :64.050,29 EUR
- Restschuld :6.450,29 EUR
Tilgungsplan ↓
Repr. Beispiel nach §6a PAngV:
Nettodarlehensbetrag 190.000,00 EUR;
Kreditrate: 389,50 EUR;
Gesamtbetrag: 23.370,00 EUR;
Anzahl Kreditraten: 60;
Laufzeit: 60 Monate; Effektiver Jahreszins: 0,47 %;
Gebundener Sollzins: 0,46 %;
Der effektive Jahreszins berücksichtigt weder Versicherungsgebühren noch Kosten für Zusatzleistungen. Das Darlehen wird durch Grundpfandrecht besichert.
Kosten für Notar, Grunderwerbsteuer oder das Grundbuchamt sind nicht berücksichtigt. Darlehensgeber bzw. -vermittler ist Dr. Klein Privatkunden AG Postfach 1350
23503 Lübeck
23503 Lübeck
| Monat | kreditsumme | Zinslast | Tilgungslast | Monatsrate | Restschuld | Zinsen gesamt | Tilgung gesamt | GESAMT |
|---|---|---|---|---|---|---|---|---|
| 1 | 300.000,00 | 490,00 | 1.000,00 | 1.490,00 | 299.000,00 | 490,00 | 1.000,00 | 1.490,00 |
| 2 | 299.000,00 | 488,37 | 1.001,63 | 1.490,00 | 299.000,00 | 978,37 | 2.001,63 | 2.980,00 |
| 3 | 297.998,37 | 486,73 | 1.003,27 | 1.490,00 | 297.998,37 | 1.465,10 | 3.004,90 | 4.470,00 |
| 4 | 296.995,10 | 485,09 | 1.004,91 | 1.490,00 | 296.995,10 | 1.950,19 | 4.009,81 | 5.960,00 |
| 5 | 295.990,19 | 483,45 | 1.006,55 | 1.490,00 | 295.990,19 | 2.433,64 | 5.016,36 | 7.450,00 |
| 6 | 294.983,64 | 481,81 | 1.008,19 | 1.490,00 | 294.983,64 | 2.915,45 | 6.024,55 | 8.940,00 |
| 7 | 293.975,45 | 480,16 | 1.009,84 | 1.490,00 | 293.975,45 | 3.395,61 | 7.034,39 | 10.430,00 |
| 8 | 292.965,61 | 478,51 | 1.011,49 | 1.490,00 | 292.965,61 | 3.874,12 | 8.045,88 | 11.920,00 |
| 9 | 291.954,12 | 476,86 | 1.013,14 | 1.490,00 | 291.954,12 | 4.350,98 | 9.059,02 | 13.410,00 |
| 10 | 290.940,98 | 475,20 | 1.014,80 | 1.490,00 | 290.940,98 | 4.826,18 | 10.073,82 | 14.900,00 |
| 11 | 289.926,18 | 473,55 | 1.016,45 | 1.490,00 | 289.926,18 | 5.299,73 | 11.090,27 | 16.390,00 |
| 12 | 288.909,73 | 471,89 | 1.018,11 | 1.490,00 | 288.909,73 | 5.771,61 | 12.108,39 | 17.880,00 |
| 13 | 287.891,61 | 470,22 | 1.019,78 | 1.490,00 | 287.891,61 | 6.241,83 | 13.128,17 | 19.370,00 |
| 14 | 286.871,83 | 468,56 | 1.021,44 | 1.490,00 | 286.871,83 | 6.710,39 | 14.149,61 | 20.860,00 |
| 15 | 285.850,39 | 466,89 | 1.023,11 | 1.490,00 | 285.850,39 | 7.177,28 | 15.172,72 | 22.350,00 |
| 16 | 284.827,28 | 465,22 | 1.024,78 | 1.490,00 | 284.827,28 | 7.642,50 | 16.197,50 | 23.840,00 |
| 17 | 283.802,50 | 463,54 | 1.026,46 | 1.490,00 | 283.802,50 | 8.106,04 | 17.223,96 | 25.330,00 |
| 18 | 282.776,04 | 461,87 | 1.028,13 | 1.490,00 | 282.776,04 | 8.567,91 | 18.252,09 | 26.820,00 |
| 19 | 281.747,91 | 460,19 | 1.029,81 | 1.490,00 | 281.747,91 | 9.028,10 | 19.281,90 | 28.310,00 |
| 20 | 280.718,10 | 458,51 | 1.031,49 | 1.490,00 | 280.718,10 | 9.486,60 | 20.313,40 | 29.800,00 |
| 21 | 279.686,60 | 456,82 | 1.033,18 | 1.490,00 | 279.686,60 | 9.943,43 | 21.346,57 | 31.290,00 |
| 22 | 278.653,43 | 455,13 | 1.034,87 | 1.490,00 | 278.653,43 | 10.398,56 | 22.381,44 | 32.780,00 |
| 23 | 277.618,56 | 453,44 | 1.036,56 | 1.490,00 | 277.618,56 | 10.852,00 | 23.418,00 | 34.270,00 |
| 24 | 276.582,00 | 451,75 | 1.038,25 | 1.490,00 | 276.582,00 | 11.303,75 | 24.456,25 | 35.760,00 |
| 25 | 275.543,75 | 450,05 | 1.039,95 | 1.490,00 | 275.543,75 | 11.753,81 | 25.496,19 | 37.250,00 |
| 26 | 274.503,81 | 448,36 | 1.041,64 | 1.490,00 | 274.503,81 | 12.202,16 | 26.537,84 | 38.740,00 |
| 27 | 273.462,16 | 446,65 | 1.043,35 | 1.490,00 | 273.462,16 | 12.648,82 | 27.581,18 | 40.230,00 |
| 28 | 272.418,82 | 444,95 | 1.045,05 | 1.490,00 | 272.418,82 | 13.093,77 | 28.626,23 | 41.720,00 |
| 29 | 271.373,77 | 443,24 | 1.046,76 | 1.490,00 | 271.373,77 | 13.537,01 | 29.672,99 | 43.210,00 |
| 30 | 270.327,01 | 441,53 | 1.048,47 | 1.490,00 | 270.327,01 | 13.978,55 | 30.721,45 | 44.700,00 |
| 31 | 269.278,55 | 439,82 | 1.050,18 | 1.490,00 | 269.278,55 | 14.418,37 | 31.771,63 | 46.190,00 |
| 32 | 268.228,37 | 438,11 | 1.051,89 | 1.490,00 | 268.228,37 | 14.856,48 | 32.823,52 | 47.680,00 |
| 33 | 267.176,48 | 436,39 | 1.053,61 | 1.490,00 | 267.176,48 | 15.292,86 | 33.877,14 | 49.170,00 |
| 34 | 266.122,86 | 434,67 | 1.055,33 | 1.490,00 | 266.122,86 | 15.727,53 | 34.932,47 | 50.660,00 |
| 35 | 265.067,53 | 432,94 | 1.057,06 | 1.490,00 | 265.067,53 | 16.160,48 | 35.989,52 | 52.150,00 |
| 36 | 264.010,48 | 431,22 | 1.058,78 | 1.490,00 | 264.010,48 | 16.591,69 | 37.048,31 | 53.640,00 |
| 37 | 262.951,69 | 429,49 | 1.060,51 | 1.490,00 | 262.951,69 | 17.021,18 | 38.108,82 | 55.130,00 |
| 38 | 261.891,18 | 427,76 | 1.062,24 | 1.490,00 | 261.891,18 | 17.448,94 | 39.171,06 | 56.620,00 |
| 39 | 260.828,94 | 426,02 | 1.063,98 | 1.490,00 | 260.828,94 | 17.874,96 | 40.235,04 | 58.110,00 |
| 40 | 259.764,96 | 424,28 | 1.065,72 | 1.490,00 | 259.764,96 | 18.299,24 | 41.300,76 | 59.600,00 |
| 41 | 258.699,24 | 422,54 | 1.067,46 | 1.490,00 | 258.699,24 | 18.721,78 | 42.368,22 | 61.090,00 |
| 42 | 257.631,78 | 420,80 | 1.069,20 | 1.490,00 | 257.631,78 | 19.142,58 | 43.437,42 | 62.580,00 |
| 43 | 256.562,58 | 419,05 | 1.070,95 | 1.490,00 | 256.562,58 | 19.561,63 | 44.508,37 | 64.070,00 |
| 44 | 255.491,63 | 417,30 | 1.072,70 | 1.490,00 | 255.491,63 | 19.978,94 | 45.581,06 | 65.560,00 |
| 45 | 254.418,94 | 415,55 | 1.074,45 | 1.490,00 | 254.418,94 | 20.394,49 | 46.655,51 | 67.050,00 |
| 46 | 253.344,49 | 413,80 | 1.076,20 | 1.490,00 | 253.344,49 | 20.808,28 | 47.731,72 | 68.540,00 |
| 47 | 252.268,28 | 412,04 | 1.077,96 | 1.490,00 | 252.268,28 | 21.220,32 | 48.809,68 | 70.030,00 |
| 48 | 251.190,32 | 410,28 | 1.079,72 | 1.490,00 | 251.190,32 | 21.630,60 | 49.889,40 | 71.520,00 |
| 49 | 250.110,60 | 408,51 | 1.081,49 | 1.490,00 | 250.110,60 | 22.039,11 | 50.970,89 | 73.010,00 |
| 50 | 249.029,11 | 406,75 | 1.083,25 | 1.490,00 | 249.029,11 | 22.445,86 | 52.054,14 | 74.500,00 |
| 51 | 247.945,86 | 404,98 | 1.085,02 | 1.490,00 | 247.945,86 | 22.850,84 | 53.139,16 | 75.990,00 |
| 52 | 246.860,84 | 403,21 | 1.086,79 | 1.490,00 | 246.860,84 | 23.254,04 | 54.225,96 | 77.480,00 |
| 53 | 245.774,04 | 401,43 | 1.088,57 | 1.490,00 | 245.774,04 | 23.655,47 | 55.314,53 | 78.970,00 |
| 54 | 244.685,47 | 399,65 | 1.090,35 | 1.490,00 | 244.685,47 | 24.055,13 | 56.404,87 | 80.460,00 |
| 55 | 243.595,13 | 397,87 | 1.092,13 | 1.490,00 | 243.595,13 | 24.453,00 | 57.497,00 | 81.950,00 |
| 56 | 242.503,00 | 396,09 | 1.093,91 | 1.490,00 | 242.503,00 | 24.849,09 | 58.590,91 | 83.440,00 |
| 57 | 241.409,09 | 394,30 | 1.095,70 | 1.490,00 | 241.409,09 | 25.243,39 | 59.686,61 | 84.930,00 |
| 58 | 240.313,39 | 392,51 | 1.097,49 | 1.490,00 | 240.313,39 | 25.635,90 | 60.784,10 | 86.420,00 |
| 59 | 239.215,90 | 390,72 | 1.099,28 | 1.490,00 | 239.215,90 | 26.026,62 | 61.883,38 | 87.910,00 |
| 60 | 238.116,62 | 388,92 | 1.101,08 | 1.490,00 | 238.116,62 | 26.415,54 | 62.984,46 | 89.400,00 |
| 61 | 237.015,54 | 387,13 | 1.102,87 | 1.490,00 | 237.015,54 | 26.802,67 | 64.087,33 | 90.890,00 |
| 62 | 235.912,67 | 385,32 | 1.104,68 | 1.490,00 | 235.912,67 | 27.187,99 | 65.192,01 | 92.380,00 |
| 63 | 234.807,99 | 383,52 | 1.106,48 | 1.490,00 | 234.807,99 | 27.571,51 | 66.298,49 | 93.870,00 |
| 64 | 233.701,51 | 381,71 | 1.108,29 | 1.490,00 | 233.701,51 | 27.953,23 | 67.406,77 | 95.360,00 |
| 65 | 232.593,23 | 379,90 | 1.110,10 | 1.490,00 | 232.593,23 | 28.333,13 | 68.516,87 | 96.850,00 |
| 66 | 231.483,13 | 378,09 | 1.111,91 | 1.490,00 | 231.483,13 | 28.711,22 | 69.628,78 | 98.340,00 |
| 67 | 230.371,22 | 376,27 | 1.113,73 | 1.490,00 | 230.371,22 | 29.087,49 | 70.742,51 | 99.830,00 |
| 68 | 229.257,49 | 374,45 | 1.115,55 | 1.490,00 | 229.257,49 | 29.461,94 | 71.858,06 | 101.320,00 |
| 69 | 228.141,94 | 372,63 | 1.117,37 | 1.490,00 | 228.141,94 | 29.834,58 | 72.975,42 | 102.810,00 |
| 70 | 227.024,58 | 370,81 | 1.119,19 | 1.490,00 | 227.024,58 | 30.205,38 | 74.094,62 | 104.300,00 |
| 71 | 225.905,38 | 368,98 | 1.121,02 | 1.490,00 | 225.905,38 | 30.574,36 | 75.215,64 | 105.790,00 |
| 72 | 224.784,36 | 367,15 | 1.122,85 | 1.490,00 | 224.784,36 | 30.941,51 | 76.338,49 | 107.280,00 |
| 73 | 223.661,51 | 365,31 | 1.124,69 | 1.490,00 | 223.661,51 | 31.306,82 | 77.463,18 | 108.770,00 |
| 74 | 222.536,82 | 363,48 | 1.126,52 | 1.490,00 | 222.536,82 | 31.670,30 | 78.589,70 | 110.260,00 |
| 75 | 221.410,30 | 361,64 | 1.128,36 | 1.490,00 | 221.410,30 | 32.031,94 | 79.718,06 | 111.750,00 |
| 76 | 220.281,94 | 359,79 | 1.130,21 | 1.490,00 | 220.281,94 | 32.391,73 | 80.848,27 | 113.240,00 |
| 77 | 219.151,73 | 357,95 | 1.132,05 | 1.490,00 | 219.151,73 | 32.749,68 | 81.980,32 | 114.730,00 |
| 78 | 218.019,68 | 356,10 | 1.133,90 | 1.490,00 | 218.019,68 | 33.105,78 | 83.114,22 | 116.220,00 |
| 79 | 216.885,78 | 354,25 | 1.135,75 | 1.490,00 | 216.885,78 | 33.460,02 | 84.249,98 | 117.710,00 |
| 80 | 215.750,02 | 352,39 | 1.137,61 | 1.490,00 | 215.750,02 | 33.812,42 | 85.387,58 | 119.200,00 |
| 81 | 214.612,42 | 350,53 | 1.139,47 | 1.490,00 | 214.612,42 | 34.162,95 | 86.527,05 | 120.690,00 |
| 82 | 213.472,95 | 348,67 | 1.141,33 | 1.490,00 | 213.472,95 | 34.511,62 | 87.668,38 | 122.180,00 |
| 83 | 212.331,62 | 346,81 | 1.143,19 | 1.490,00 | 212.331,62 | 34.858,43 | 88.811,57 | 123.670,00 |
| 84 | 211.188,43 | 344,94 | 1.145,06 | 1.490,00 | 211.188,43 | 35.203,37 | 89.956,63 | 125.160,00 |
| 85 | 210.043,37 | 343,07 | 1.146,93 | 1.490,00 | 210.043,37 | 35.546,44 | 91.103,56 | 126.650,00 |
| 86 | 208.896,44 | 341,20 | 1.148,80 | 1.490,00 | 208.896,44 | 35.887,64 | 92.252,36 | 128.140,00 |
| 87 | 207.747,64 | 339,32 | 1.150,68 | 1.490,00 | 207.747,64 | 36.226,96 | 93.403,04 | 129.630,00 |
| 88 | 206.596,96 | 337,44 | 1.152,56 | 1.490,00 | 206.596,96 | 36.564,40 | 94.555,60 | 131.120,00 |
| 89 | 205.444,40 | 335,56 | 1.154,44 | 1.490,00 | 205.444,40 | 36.899,96 | 95.710,04 | 132.610,00 |
| 90 | 204.289,96 | 333,67 | 1.156,33 | 1.490,00 | 204.289,96 | 37.233,64 | 96.866,36 | 134.100,00 |
| 91 | 203.133,64 | 331,78 | 1.158,22 | 1.490,00 | 203.133,64 | 37.565,42 | 98.024,58 | 135.590,00 |
| 92 | 201.975,42 | 329,89 | 1.160,11 | 1.490,00 | 201.975,42 | 37.895,31 | 99.184,69 | 137.080,00 |
| 93 | 200.815,31 | 328,00 | 1.162,00 | 1.490,00 | 200.815,31 | 38.223,31 | 100.346,69 | 138.570,00 |
| 94 | 199.653,31 | 326,10 | 1.163,90 | 1.490,00 | 199.653,31 | 38.549,41 | 101.510,59 | 140.060,00 |
| 95 | 198.489,41 | 324,20 | 1.165,80 | 1.490,00 | 198.489,41 | 38.873,61 | 102.676,39 | 141.550,00 |
| 96 | 197.323,61 | 322,30 | 1.167,70 | 1.490,00 | 197.323,61 | 39.195,91 | 103.844,09 | 143.040,00 |
| 97 | 196.155,91 | 320,39 | 1.169,61 | 1.490,00 | 196.155,91 | 39.516,29 | 105.013,71 | 144.530,00 |
| 98 | 194.986,29 | 318,48 | 1.171,52 | 1.490,00 | 194.986,29 | 39.834,77 | 106.185,23 | 146.020,00 |
| 99 | 193.814,77 | 316,56 | 1.173,44 | 1.490,00 | 193.814,77 | 40.151,34 | 107.358,66 | 147.510,00 |
| 100 | 192.641,34 | 314,65 | 1.175,35 | 1.490,00 | 192.641,34 | 40.465,98 | 108.534,02 | 149.000,00 |
| 101 | 191.465,98 | 312,73 | 1.177,27 | 1.490,00 | 191.465,98 | 40.778,71 | 109.711,29 | 150.490,00 |
| 102 | 190.288,71 | 310,80 | 1.179,20 | 1.490,00 | 190.288,71 | 41.089,52 | 110.890,48 | 151.980,00 |
| 103 | 189.109,52 | 308,88 | 1.181,12 | 1.490,00 | 189.109,52 | 41.398,40 | 112.071,60 | 153.470,00 |
| 104 | 187.928,40 | 306,95 | 1.183,05 | 1.490,00 | 187.928,40 | 41.705,35 | 113.254,65 | 154.960,00 |
| 105 | 186.745,35 | 305,02 | 1.184,98 | 1.490,00 | 186.745,35 | 42.010,36 | 114.439,64 | 156.450,00 |
| 106 | 185.560,36 | 303,08 | 1.186,92 | 1.490,00 | 185.560,36 | 42.313,44 | 115.626,56 | 157.940,00 |
| 107 | 184.373,44 | 301,14 | 1.188,86 | 1.490,00 | 184.373,44 | 42.614,59 | 116.815,41 | 159.430,00 |
| 108 | 183.184,59 | 299,20 | 1.190,80 | 1.490,00 | 183.184,59 | 42.913,79 | 118.006,21 | 160.920,00 |
| 109 | 181.993,79 | 297,26 | 1.192,74 | 1.490,00 | 181.993,79 | 43.211,05 | 119.198,95 | 162.410,00 |
| 110 | 180.801,05 | 295,31 | 1.194,69 | 1.490,00 | 180.801,05 | 43.506,35 | 120.393,65 | 163.900,00 |
| 111 | 179.606,35 | 293,36 | 1.196,64 | 1.490,00 | 179.606,35 | 43.799,71 | 121.590,29 | 165.390,00 |
| 112 | 178.409,71 | 291,40 | 1.198,60 | 1.490,00 | 178.409,71 | 44.091,11 | 122.788,89 | 166.880,00 |
| 113 | 177.211,11 | 289,44 | 1.200,56 | 1.490,00 | 177.211,11 | 44.380,56 | 123.989,44 | 168.370,00 |
| 114 | 176.010,56 | 287,48 | 1.202,52 | 1.490,00 | 176.010,56 | 44.668,04 | 125.191,96 | 169.860,00 |
| 115 | 174.808,04 | 285,52 | 1.204,48 | 1.490,00 | 174.808,04 | 44.953,56 | 126.396,44 | 171.350,00 |
| 116 | 173.603,56 | 283,55 | 1.206,45 | 1.490,00 | 173.603,56 | 45.237,11 | 127.602,89 | 172.840,00 |
| 117 | 172.397,11 | 281,58 | 1.208,42 | 1.490,00 | 172.397,11 | 45.518,70 | 128.811,30 | 174.330,00 |
| 118 | 171.188,70 | 279,61 | 1.210,39 | 1.490,00 | 171.188,70 | 45.798,31 | 130.021,69 | 175.820,00 |
| 119 | 169.978,31 | 277,63 | 1.212,37 | 1.490,00 | 169.978,31 | 46.075,94 | 131.234,06 | 177.310,00 |
| 120 | 168.765,94 | 275,65 | 1.214,35 | 1.490,00 | 168.765,94 | 46.351,59 | 132.448,41 | 178.800,00 |
| 121 | 167.551,59 | 273,67 | 1.216,33 | 1.490,00 | 167.551,59 | 46.625,25 | 133.664,75 | 180.290,00 |
| 122 | 166.335,25 | 271,68 | 1.218,32 | 1.490,00 | 166.335,25 | 46.896,94 | 134.883,06 | 181.780,00 |
| 123 | 165.116,94 | 269,69 | 1.220,31 | 1.490,00 | 165.116,94 | 47.166,63 | 136.103,37 | 183.270,00 |
| 124 | 163.896,63 | 267,70 | 1.222,30 | 1.490,00 | 163.896,63 | 47.434,32 | 137.325,68 | 184.760,00 |
| 125 | 162.674,32 | 265,70 | 1.224,30 | 1.490,00 | 162.674,32 | 47.700,03 | 138.549,97 | 186.250,00 |
| 126 | 161.450,03 | 263,70 | 1.226,30 | 1.490,00 | 161.450,03 | 47.963,73 | 139.776,27 | 187.740,00 |
| 127 | 160.223,73 | 261,70 | 1.228,30 | 1.490,00 | 160.223,73 | 48.225,43 | 141.004,57 | 189.230,00 |
| 128 | 158.995,43 | 259,69 | 1.230,31 | 1.490,00 | 158.995,43 | 48.485,12 | 142.234,88 | 190.720,00 |
| 129 | 157.765,12 | 257,68 | 1.232,32 | 1.490,00 | 157.765,12 | 48.742,80 | 143.467,20 | 192.210,00 |
| 130 | 156.532,80 | 255,67 | 1.234,33 | 1.490,00 | 156.532,80 | 48.998,47 | 144.701,53 | 193.700,00 |
| 131 | 155.298,47 | 253,65 | 1.236,35 | 1.490,00 | 155.298,47 | 49.252,13 | 145.937,87 | 195.190,00 |
| 132 | 154.062,13 | 251,63 | 1.238,37 | 1.490,00 | 154.062,13 | 49.503,76 | 147.176,24 | 196.680,00 |
| 133 | 152.823,76 | 249,61 | 1.240,39 | 1.490,00 | 152.823,76 | 49.753,37 | 148.416,63 | 198.170,00 |
| 134 | 151.583,37 | 247,59 | 1.242,41 | 1.490,00 | 151.583,37 | 50.000,96 | 149.659,04 | 199.660,00 |
| 135 | 150.340,96 | 245,56 | 1.244,44 | 1.490,00 | 150.340,96 | 50.246,52 | 150.903,48 | 201.150,00 |
| 136 | 149.096,52 | 243,52 | 1.246,48 | 1.490,00 | 149.096,52 | 50.490,04 | 152.149,96 | 202.640,00 |
| 137 | 147.850,04 | 241,49 | 1.248,51 | 1.490,00 | 147.850,04 | 50.731,53 | 153.398,47 | 204.130,00 |
| 138 | 146.601,53 | 239,45 | 1.250,55 | 1.490,00 | 146.601,53 | 50.970,98 | 154.649,02 | 205.620,00 |
| 139 | 145.350,98 | 237,41 | 1.252,59 | 1.490,00 | 145.350,98 | 51.208,39 | 155.901,61 | 207.110,00 |
| 140 | 144.098,39 | 235,36 | 1.254,64 | 1.490,00 | 144.098,39 | 51.443,75 | 157.156,25 | 208.600,00 |
| 141 | 142.843,75 | 233,31 | 1.256,69 | 1.490,00 | 142.843,75 | 51.677,06 | 158.412,94 | 210.090,00 |
| 142 | 141.587,06 | 231,26 | 1.258,74 | 1.490,00 | 141.587,06 | 51.908,32 | 159.671,68 | 211.580,00 |
| 143 | 140.328,32 | 229,20 | 1.260,80 | 1.490,00 | 140.328,32 | 52.137,52 | 160.932,48 | 213.070,00 |
| 144 | 139.067,52 | 227,14 | 1.262,86 | 1.490,00 | 139.067,52 | 52.364,66 | 162.195,34 | 214.560,00 |
| 145 | 137.804,66 | 225,08 | 1.264,92 | 1.490,00 | 137.804,66 | 52.589,74 | 163.460,26 | 216.050,00 |
| 146 | 136.539,74 | 223,01 | 1.266,99 | 1.490,00 | 136.539,74 | 52.812,76 | 164.727,24 | 217.540,00 |
| 147 | 135.272,76 | 220,95 | 1.269,05 | 1.490,00 | 135.272,76 | 53.033,70 | 165.996,30 | 219.030,00 |
| 148 | 134.003,70 | 218,87 | 1.271,13 | 1.490,00 | 134.003,70 | 53.252,58 | 167.267,42 | 220.520,00 |
| 149 | 132.732,58 | 216,80 | 1.273,20 | 1.490,00 | 132.732,58 | 53.469,37 | 168.540,63 | 222.010,00 |
| 150 | 131.459,37 | 214,72 | 1.275,28 | 1.490,00 | 131.459,37 | 53.684,09 | 169.815,91 | 223.500,00 |
| 151 | 130.184,09 | 212,63 | 1.277,37 | 1.490,00 | 130.184,09 | 53.896,72 | 171.093,28 | 224.990,00 |
| 152 | 128.906,72 | 210,55 | 1.279,45 | 1.490,00 | 128.906,72 | 54.107,27 | 172.372,73 | 226.480,00 |
| 153 | 127.627,27 | 208,46 | 1.281,54 | 1.490,00 | 127.627,27 | 54.315,73 | 173.654,27 | 227.970,00 |
| 154 | 126.345,73 | 206,36 | 1.283,64 | 1.490,00 | 126.345,73 | 54.522,09 | 174.937,91 | 229.460,00 |
| 155 | 125.062,09 | 204,27 | 1.285,73 | 1.490,00 | 125.062,09 | 54.726,36 | 176.223,64 | 230.950,00 |
| 156 | 123.776,36 | 202,17 | 1.287,83 | 1.490,00 | 123.776,36 | 54.928,53 | 177.511,47 | 232.440,00 |
| 157 | 122.488,53 | 200,06 | 1.289,94 | 1.490,00 | 122.488,53 | 55.128,60 | 178.801,40 | 233.930,00 |
| 158 | 121.198,60 | 197,96 | 1.292,04 | 1.490,00 | 121.198,60 | 55.326,55 | 180.093,45 | 235.420,00 |
| 159 | 119.906,55 | 195,85 | 1.294,15 | 1.490,00 | 119.906,55 | 55.522,40 | 181.387,60 | 236.910,00 |
| 160 | 118.612,40 | 193,73 | 1.296,27 | 1.490,00 | 118.612,40 | 55.716,13 | 182.683,87 | 238.400,00 |
| 161 | 117.316,13 | 191,62 | 1.298,38 | 1.490,00 | 117.316,13 | 55.907,75 | 183.982,25 | 239.890,00 |
| 162 | 116.017,75 | 189,50 | 1.300,50 | 1.490,00 | 116.017,75 | 56.097,25 | 185.282,75 | 241.380,00 |
| 163 | 114.717,25 | 187,37 | 1.302,63 | 1.490,00 | 114.717,25 | 56.284,62 | 186.585,38 | 242.870,00 |
| 164 | 113.414,62 | 185,24 | 1.304,76 | 1.490,00 | 113.414,62 | 56.469,86 | 187.890,14 | 244.360,00 |
| 165 | 112.109,86 | 183,11 | 1.306,89 | 1.490,00 | 112.109,86 | 56.652,97 | 189.197,03 | 245.850,00 |
| 166 | 110.802,97 | 180,98 | 1.309,02 | 1.490,00 | 110.802,97 | 56.833,95 | 190.506,05 | 247.340,00 |
| 167 | 109.493,95 | 178,84 | 1.311,16 | 1.490,00 | 109.493,95 | 57.012,79 | 191.817,21 | 248.830,00 |
| 168 | 108.182,79 | 176,70 | 1.313,30 | 1.490,00 | 108.182,79 | 57.189,49 | 193.130,51 | 250.320,00 |
| 169 | 106.869,49 | 174,55 | 1.315,45 | 1.490,00 | 106.869,49 | 57.364,04 | 194.445,96 | 251.810,00 |
| 170 | 105.554,04 | 172,40 | 1.317,60 | 1.490,00 | 105.554,04 | 57.536,45 | 195.763,55 | 253.300,00 |
| 171 | 104.236,45 | 170,25 | 1.319,75 | 1.490,00 | 104.236,45 | 57.706,70 | 197.083,30 | 254.790,00 |
| 172 | 102.916,70 | 168,10 | 1.321,90 | 1.490,00 | 102.916,70 | 57.874,80 | 198.405,20 | 256.280,00 |
| 173 | 101.594,80 | 165,94 | 1.324,06 | 1.490,00 | 101.594,80 | 58.040,74 | 199.729,26 | 257.770,00 |
| 174 | 100.270,74 | 163,78 | 1.326,22 | 1.490,00 | 100.270,74 | 58.204,51 | 201.055,49 | 259.260,00 |
| 175 | 98.944,51 | 161,61 | 1.328,39 | 1.490,00 | 98.944,51 | 58.366,12 | 202.383,88 | 260.750,00 |
| 176 | 97.616,12 | 159,44 | 1.330,56 | 1.490,00 | 97.616,12 | 58.525,56 | 203.714,44 | 262.240,00 |
| 177 | 96.285,56 | 157,27 | 1.332,73 | 1.490,00 | 96.285,56 | 58.682,83 | 205.047,17 | 263.730,00 |
| 178 | 94.952,83 | 155,09 | 1.334,91 | 1.490,00 | 94.952,83 | 58.837,92 | 206.382,08 | 265.220,00 |
| 179 | 93.617,92 | 152,91 | 1.337,09 | 1.490,00 | 93.617,92 | 58.990,83 | 207.719,17 | 266.710,00 |
| 180 | 92.280,83 | 150,73 | 1.339,27 | 1.490,00 | 92.280,83 | 59.141,55 | 209.058,45 | 268.200,00 |
| 181 | 90.941,55 | 148,54 | 1.341,46 | 1.490,00 | 90.941,55 | 59.290,09 | 210.399,91 | 269.690,00 |
| 182 | 89.600,09 | 146,35 | 1.343,65 | 1.490,00 | 89.600,09 | 59.436,44 | 211.743,56 | 271.180,00 |
| 183 | 88.256,44 | 144,15 | 1.345,85 | 1.490,00 | 88.256,44 | 59.580,59 | 213.089,41 | 272.670,00 |
| 184 | 86.910,59 | 141,95 | 1.348,05 | 1.490,00 | 86.910,59 | 59.722,54 | 214.437,46 | 274.160,00 |
| 185 | 85.562,54 | 139,75 | 1.350,25 | 1.490,00 | 85.562,54 | 59.862,30 | 215.787,70 | 275.650,00 |
| 186 | 84.212,30 | 137,55 | 1.352,45 | 1.490,00 | 84.212,30 | 59.999,84 | 217.140,16 | 277.140,00 |
| 187 | 82.859,84 | 135,34 | 1.354,66 | 1.490,00 | 82.859,84 | 60.135,18 | 218.494,82 | 278.630,00 |
| 188 | 81.505,18 | 133,13 | 1.356,87 | 1.490,00 | 81.505,18 | 60.268,31 | 219.851,69 | 280.120,00 |
| 189 | 80.148,31 | 130,91 | 1.359,09 | 1.490,00 | 80.148,31 | 60.399,21 | 221.210,79 | 281.610,00 |
| 190 | 78.789,21 | 128,69 | 1.361,31 | 1.490,00 | 78.789,21 | 60.527,90 | 222.572,10 | 283.100,00 |
| 191 | 77.427,90 | 126,47 | 1.363,53 | 1.490,00 | 77.427,90 | 60.654,37 | 223.935,63 | 284.590,00 |
| 192 | 76.064,37 | 124,24 | 1.365,76 | 1.490,00 | 76.064,37 | 60.778,61 | 225.301,39 | 286.080,00 |
| 193 | 74.698,61 | 122,01 | 1.367,99 | 1.490,00 | 74.698,61 | 60.900,62 | 226.669,38 | 287.570,00 |
| 194 | 73.330,62 | 119,77 | 1.370,23 | 1.490,00 | 73.330,62 | 61.020,39 | 228.039,61 | 289.060,00 |
| 195 | 71.960,39 | 117,54 | 1.372,46 | 1.490,00 | 71.960,39 | 61.137,92 | 229.412,08 | 290.550,00 |
| 196 | 70.587,92 | 115,29 | 1.374,71 | 1.490,00 | 70.587,92 | 61.253,22 | 230.786,78 | 292.040,00 |
| 197 | 69.213,22 | 113,05 | 1.376,95 | 1.490,00 | 69.213,22 | 61.366,27 | 232.163,73 | 293.530,00 |
| 198 | 67.836,27 | 110,80 | 1.379,20 | 1.490,00 | 67.836,27 | 61.477,06 | 233.542,94 | 295.020,00 |
| 199 | 66.457,06 | 108,55 | 1.381,45 | 1.490,00 | 66.457,06 | 61.585,61 | 234.924,39 | 296.510,00 |
| 200 | 65.075,61 | 106,29 | 1.383,71 | 1.490,00 | 65.075,61 | 61.691,90 | 236.308,10 | 298.000,00 |
| 201 | 63.691,90 | 104,03 | 1.385,97 | 1.490,00 | 63.691,90 | 61.795,93 | 237.694,07 | 299.490,00 |
| 202 | 62.305,93 | 101,77 | 1.388,23 | 1.490,00 | 62.305,93 | 61.897,70 | 239.082,30 | 300.980,00 |
| 203 | 60.917,70 | 99,50 | 1.390,50 | 1.490,00 | 60.917,70 | 61.997,20 | 240.472,80 | 302.470,00 |
| 204 | 59.527,20 | 97,23 | 1.392,77 | 1.490,00 | 59.527,20 | 62.094,42 | 241.865,58 | 303.960,00 |
| 205 | 58.134,42 | 94,95 | 1.395,05 | 1.490,00 | 58.134,42 | 62.189,38 | 243.260,62 | 305.450,00 |
| 206 | 56.739,38 | 92,67 | 1.397,33 | 1.490,00 | 56.739,38 | 62.282,05 | 244.657,95 | 306.940,00 |
| 207 | 55.342,05 | 90,39 | 1.399,61 | 1.490,00 | 55.342,05 | 62.372,44 | 246.057,56 | 308.430,00 |
| 208 | 53.942,44 | 88,11 | 1.401,89 | 1.490,00 | 53.942,44 | 62.460,55 | 247.459,45 | 309.920,00 |
| 209 | 52.540,55 | 85,82 | 1.404,18 | 1.490,00 | 52.540,55 | 62.546,37 | 248.863,63 | 311.410,00 |
| 210 | 51.136,37 | 83,52 | 1.406,48 | 1.490,00 | 51.136,37 | 62.629,89 | 250.270,11 | 312.900,00 |
| 211 | 49.729,89 | 81,23 | 1.408,77 | 1.490,00 | 49.729,89 | 62.711,11 | 251.678,89 | 314.390,00 |
| 212 | 48.321,11 | 78,92 | 1.411,08 | 1.490,00 | 48.321,11 | 62.790,04 | 253.089,96 | 315.880,00 |
| 213 | 46.910,04 | 76,62 | 1.413,38 | 1.490,00 | 46.910,04 | 62.866,66 | 254.503,34 | 317.370,00 |
| 214 | 45.496,66 | 74,31 | 1.415,69 | 1.490,00 | 45.496,66 | 62.940,97 | 255.919,03 | 318.860,00 |
| 215 | 44.080,97 | 72,00 | 1.418,00 | 1.490,00 | 44.080,97 | 63.012,97 | 257.337,03 | 320.350,00 |
| 216 | 42.662,97 | 69,68 | 1.420,32 | 1.490,00 | 42.662,97 | 63.082,65 | 258.757,35 | 321.840,00 |
| 217 | 41.242,65 | 67,36 | 1.422,64 | 1.490,00 | 41.242,65 | 63.150,01 | 260.179,99 | 323.330,00 |
| 218 | 39.820,01 | 65,04 | 1.424,96 | 1.490,00 | 39.820,01 | 63.215,05 | 261.604,95 | 324.820,00 |
| 219 | 38.395,05 | 62,71 | 1.427,29 | 1.490,00 | 38.395,05 | 63.277,77 | 263.032,23 | 326.310,00 |
| 220 | 36.967,77 | 60,38 | 1.429,62 | 1.490,00 | 36.967,77 | 63.338,15 | 264.461,85 | 327.800,00 |
| 221 | 35.538,15 | 58,05 | 1.431,95 | 1.490,00 | 35.538,15 | 63.396,19 | 265.893,81 | 329.290,00 |
| 222 | 34.106,19 | 55,71 | 1.434,29 | 1.490,00 | 34.106,19 | 63.451,90 | 267.328,10 | 330.780,00 |
| 223 | 32.671,90 | 53,36 | 1.436,64 | 1.490,00 | 32.671,90 | 63.505,26 | 268.764,74 | 332.270,00 |
| 224 | 31.235,26 | 51,02 | 1.438,98 | 1.490,00 | 31.235,26 | 63.556,28 | 270.203,72 | 333.760,00 |
| 225 | 29.796,28 | 48,67 | 1.441,33 | 1.490,00 | 29.796,28 | 63.604,95 | 271.645,05 | 335.250,00 |
| 226 | 28.354,95 | 46,31 | 1.443,69 | 1.490,00 | 28.354,95 | 63.651,26 | 273.088,74 | 336.740,00 |
| 227 | 26.911,26 | 43,96 | 1.446,04 | 1.490,00 | 26.911,26 | 63.695,22 | 274.534,78 | 338.230,00 |
| 228 | 25.465,22 | 41,59 | 1.448,41 | 1.490,00 | 25.465,22 | 63.736,81 | 275.983,19 | 339.720,00 |
| 229 | 24.016,81 | 39,23 | 1.450,77 | 1.490,00 | 24.016,81 | 63.776,04 | 277.433,96 | 341.210,00 |
| 230 | 22.566,04 | 36,86 | 1.453,14 | 1.490,00 | 22.566,04 | 63.812,89 | 278.887,11 | 342.700,00 |
| 231 | 21.112,89 | 34,48 | 1.455,52 | 1.490,00 | 21.112,89 | 63.847,38 | 280.342,62 | 344.190,00 |
| 232 | 19.657,38 | 32,11 | 1.457,89 | 1.490,00 | 19.657,38 | 63.879,49 | 281.800,51 | 345.680,00 |
| 233 | 18.199,49 | 29,73 | 1.460,27 | 1.490,00 | 18.199,49 | 63.909,21 | 283.260,79 | 347.170,00 |
| 234 | 16.739,21 | 27,34 | 1.462,66 | 1.490,00 | 16.739,21 | 63.936,55 | 284.723,45 | 348.660,00 |
| 235 | 15.276,55 | 24,95 | 1.465,05 | 1.490,00 | 15.276,55 | 63.961,50 | 286.188,50 | 350.150,00 |
| 236 | 13.811,50 | 22,56 | 1.467,44 | 1.490,00 | 13.811,50 | 63.984,06 | 287.655,94 | 351.640,00 |
| 237 | 12.344,06 | 20,16 | 1.469,84 | 1.490,00 | 12.344,06 | 64.004,23 | 289.125,77 | 353.130,00 |
| 238 | 10.874,23 | 17,76 | 1.472,24 | 1.490,00 | 10.874,23 | 64.021,99 | 290.598,01 | 354.620,00 |
| 239 | 9.401,99 | 15,36 | 1.474,64 | 1.490,00 | 9.401,99 | 64.037,34 | 292.072,66 | 356.110,00 |
| 240 | 7.927,34 | 12,95 | 1.477,05 | 1.490,00 | 7.927,34 | 64.050,29 | 293.549,71 | 357.600,00 |
CE-Baufinanz Baufinanzierung
- 2,70%
- gebundener Sollzins*
- 2,73%
- effektiver Jahreszins*
- 1.675,00€
- Monatsrate
- Gesamtzahlung :384.426,55 EUR
- Tilgungsanteil :300.000,00 EUR
- Zinsanteil :84.426,55 EUR
- Volltilgung nach:19 Jahren und 1 Monaten
- Abschlussrate:849,64 EUR
Tilgungsplan ↓
Repr. Beispiel nach §6a PAngV:
Nettodarlehensbetrag 300.000,00 EUR;
Kreditrate: 1.125,00 EUR;
Gesamtbetrag: 135.000,00 EUR;
Anzahl Kreditraten: 120;
Laufzeit: 120 Monate; Effektiver Jahreszins: 1,51 %;
Gebundener Sollzins: 1,50 %;
Der effektive Jahreszins berücksichtigt weder Versicherungsgebühren noch Kosten für Zusatzleistungen. Das Darlehen wird durch Grundpfandrecht besichert.
Kosten für Notar, Grunderwerbsteuer oder das Grundbuchamt sind nicht berücksichtigt. Darlehensgeber bzw. -vermittler ist CE-Baufinanz GmbH Steenkamp 37
22607 Hamburg
22607 Hamburg
| Monat | kreditsumme | Zinslast | Tilgungslast | Monatsrate | Restschuld | Zinsen gesamt | Tilgung gesamt | GESAMT |
|---|---|---|---|---|---|---|---|---|
| 1 | 300.000,00 | 675,00 | 1.000,00 | 1.675,00 | 299.000,00 | 675,00 | 1.000,00 | 1.675,00 |
| 2 | 299.000,00 | 672,75 | 1.002,25 | 1.675,00 | 299.000,00 | 1.347,75 | 2.002,25 | 3.350,00 |
| 3 | 297.997,75 | 670,49 | 1.004,51 | 1.675,00 | 297.997,75 | 2.018,24 | 3.006,76 | 5.025,00 |
| 4 | 296.993,24 | 668,23 | 1.006,77 | 1.675,00 | 296.993,24 | 2.686,48 | 4.013,52 | 6.700,00 |
| 5 | 295.986,48 | 665,97 | 1.009,03 | 1.675,00 | 295.986,48 | 3.352,45 | 5.022,55 | 8.375,00 |
| 6 | 294.977,45 | 663,70 | 1.011,30 | 1.675,00 | 294.977,45 | 4.016,15 | 6.033,85 | 10.050,00 |
| 7 | 293.966,15 | 661,42 | 1.013,58 | 1.675,00 | 293.966,15 | 4.677,57 | 7.047,43 | 11.725,00 |
| 8 | 292.952,57 | 659,14 | 1.015,86 | 1.675,00 | 292.952,57 | 5.336,72 | 8.063,28 | 13.400,00 |
| 9 | 291.936,72 | 656,86 | 1.018,14 | 1.675,00 | 291.936,72 | 5.993,57 | 9.081,43 | 15.075,00 |
| 10 | 290.918,57 | 654,57 | 1.020,43 | 1.675,00 | 290.918,57 | 6.648,14 | 10.101,86 | 16.750,00 |
| 11 | 289.898,14 | 652,27 | 1.022,73 | 1.675,00 | 289.898,14 | 7.300,41 | 11.124,59 | 18.425,00 |
| 12 | 288.875,41 | 649,97 | 1.025,03 | 1.675,00 | 288.875,41 | 7.950,38 | 12.149,62 | 20.100,00 |
| 13 | 287.850,38 | 647,66 | 1.027,34 | 1.675,00 | 287.850,38 | 8.598,04 | 13.176,96 | 21.775,00 |
| 14 | 286.823,04 | 645,35 | 1.029,65 | 1.675,00 | 286.823,04 | 9.243,40 | 14.206,60 | 23.450,00 |
| 15 | 285.793,40 | 643,04 | 1.031,96 | 1.675,00 | 285.793,40 | 9.886,43 | 15.238,57 | 25.125,00 |
| 16 | 284.761,43 | 640,71 | 1.034,29 | 1.675,00 | 284.761,43 | 10.527,14 | 16.272,86 | 26.800,00 |
| 17 | 283.727,14 | 638,39 | 1.036,61 | 1.675,00 | 283.727,14 | 11.165,53 | 17.309,47 | 28.475,00 |
| 18 | 282.690,53 | 636,05 | 1.038,95 | 1.675,00 | 282.690,53 | 11.801,58 | 18.348,42 | 30.150,00 |
| 19 | 281.651,58 | 633,72 | 1.041,28 | 1.675,00 | 281.651,58 | 12.435,30 | 19.389,70 | 31.825,00 |
| 20 | 280.610,30 | 631,37 | 1.043,63 | 1.675,00 | 280.610,30 | 13.066,67 | 20.433,33 | 33.500,00 |
| 21 | 279.566,67 | 629,03 | 1.045,97 | 1.675,00 | 279.566,67 | 13.695,70 | 21.479,30 | 35.175,00 |
| 22 | 278.520,70 | 626,67 | 1.048,33 | 1.675,00 | 278.520,70 | 14.322,37 | 22.527,63 | 36.850,00 |
| 23 | 277.472,37 | 624,31 | 1.050,69 | 1.675,00 | 277.472,37 | 14.946,68 | 23.578,32 | 38.525,00 |
| 24 | 276.421,68 | 621,95 | 1.053,05 | 1.675,00 | 276.421,68 | 15.568,63 | 24.631,37 | 40.200,00 |
| 25 | 275.368,63 | 619,58 | 1.055,42 | 1.675,00 | 275.368,63 | 16.188,21 | 25.686,79 | 41.875,00 |
| 26 | 274.313,21 | 617,20 | 1.057,80 | 1.675,00 | 274.313,21 | 16.805,42 | 26.744,58 | 43.550,00 |
| 27 | 273.255,42 | 614,82 | 1.060,18 | 1.675,00 | 273.255,42 | 17.420,24 | 27.804,76 | 45.225,00 |
| 28 | 272.195,24 | 612,44 | 1.062,56 | 1.675,00 | 272.195,24 | 18.032,68 | 28.867,32 | 46.900,00 |
| 29 | 271.132,68 | 610,05 | 1.064,95 | 1.675,00 | 271.132,68 | 18.642,73 | 29.932,27 | 48.575,00 |
| 30 | 270.067,73 | 607,65 | 1.067,35 | 1.675,00 | 270.067,73 | 19.250,38 | 30.999,62 | 50.250,00 |
| 31 | 269.000,38 | 605,25 | 1.069,75 | 1.675,00 | 269.000,38 | 19.855,63 | 32.069,37 | 51.925,00 |
| 32 | 267.930,63 | 602,84 | 1.072,16 | 1.675,00 | 267.930,63 | 20.458,48 | 33.141,52 | 53.600,00 |
| 33 | 266.858,48 | 600,43 | 1.074,57 | 1.675,00 | 266.858,48 | 21.058,91 | 34.216,09 | 55.275,00 |
| 34 | 265.783,91 | 598,01 | 1.076,99 | 1.675,00 | 265.783,91 | 21.656,92 | 35.293,08 | 56.950,00 |
| 35 | 264.706,92 | 595,59 | 1.079,41 | 1.675,00 | 264.706,92 | 22.252,51 | 36.372,49 | 58.625,00 |
| 36 | 263.627,51 | 593,16 | 1.081,84 | 1.675,00 | 263.627,51 | 22.845,67 | 37.454,33 | 60.300,00 |
| 37 | 262.545,67 | 590,73 | 1.084,27 | 1.675,00 | 262.545,67 | 23.436,40 | 38.538,60 | 61.975,00 |
| 38 | 261.461,40 | 588,29 | 1.086,71 | 1.675,00 | 261.461,40 | 24.024,69 | 39.625,31 | 63.650,00 |
| 39 | 260.374,69 | 585,84 | 1.089,16 | 1.675,00 | 260.374,69 | 24.610,53 | 40.714,47 | 65.325,00 |
| 40 | 259.285,53 | 583,39 | 1.091,61 | 1.675,00 | 259.285,53 | 25.193,92 | 41.806,08 | 67.000,00 |
| 41 | 258.193,92 | 580,94 | 1.094,06 | 1.675,00 | 258.193,92 | 25.774,86 | 42.900,14 | 68.675,00 |
| 42 | 257.099,86 | 578,47 | 1.096,53 | 1.675,00 | 257.099,86 | 26.353,34 | 43.996,66 | 70.350,00 |
| 43 | 256.003,34 | 576,01 | 1.098,99 | 1.675,00 | 256.003,34 | 26.929,34 | 45.095,66 | 72.025,00 |
| 44 | 254.904,34 | 573,53 | 1.101,47 | 1.675,00 | 254.904,34 | 27.502,88 | 46.197,12 | 73.700,00 |
| 45 | 253.802,88 | 571,06 | 1.103,94 | 1.675,00 | 253.802,88 | 28.073,93 | 47.301,07 | 75.375,00 |
| 46 | 252.698,93 | 568,57 | 1.106,43 | 1.675,00 | 252.698,93 | 28.642,51 | 48.407,49 | 77.050,00 |
| 47 | 251.592,51 | 566,08 | 1.108,92 | 1.675,00 | 251.592,51 | 29.208,59 | 49.516,41 | 78.725,00 |
| 48 | 250.483,59 | 563,59 | 1.111,41 | 1.675,00 | 250.483,59 | 29.772,18 | 50.627,82 | 80.400,00 |
| 49 | 249.372,18 | 561,09 | 1.113,91 | 1.675,00 | 249.372,18 | 30.333,27 | 51.741,73 | 82.075,00 |
| 50 | 248.258,27 | 558,58 | 1.116,42 | 1.675,00 | 248.258,27 | 30.891,85 | 52.858,15 | 83.750,00 |
| 51 | 247.141,85 | 556,07 | 1.118,93 | 1.675,00 | 247.141,85 | 31.447,92 | 53.977,08 | 85.425,00 |
| 52 | 246.022,92 | 553,55 | 1.121,45 | 1.675,00 | 246.022,92 | 32.001,47 | 55.098,53 | 87.100,00 |
| 53 | 244.901,47 | 551,03 | 1.123,97 | 1.675,00 | 244.901,47 | 32.552,50 | 56.222,50 | 88.775,00 |
| 54 | 243.777,50 | 548,50 | 1.126,50 | 1.675,00 | 243.777,50 | 33.100,99 | 57.349,01 | 90.450,00 |
| 55 | 242.650,99 | 545,96 | 1.129,04 | 1.675,00 | 242.650,99 | 33.646,96 | 58.478,04 | 92.125,00 |
| 56 | 241.521,96 | 543,42 | 1.131,58 | 1.675,00 | 241.521,96 | 34.190,38 | 59.609,62 | 93.800,00 |
| 57 | 240.390,38 | 540,88 | 1.134,12 | 1.675,00 | 240.390,38 | 34.731,26 | 60.743,74 | 95.475,00 |
| 58 | 239.256,26 | 538,33 | 1.136,67 | 1.675,00 | 239.256,26 | 35.269,59 | 61.880,41 | 97.150,00 |
| 59 | 238.119,59 | 535,77 | 1.139,23 | 1.675,00 | 238.119,59 | 35.805,36 | 63.019,64 | 98.825,00 |
| 60 | 236.980,36 | 533,21 | 1.141,79 | 1.675,00 | 236.980,36 | 36.338,56 | 64.161,44 | 100.500,00 |
| 61 | 235.838,56 | 530,64 | 1.144,36 | 1.675,00 | 235.838,56 | 36.869,20 | 65.305,80 | 102.175,00 |
| 62 | 234.694,20 | 528,06 | 1.146,94 | 1.675,00 | 234.694,20 | 37.397,26 | 66.452,74 | 103.850,00 |
| 63 | 233.547,26 | 525,48 | 1.149,52 | 1.675,00 | 233.547,26 | 37.922,74 | 67.602,26 | 105.525,00 |
| 64 | 232.397,74 | 522,89 | 1.152,11 | 1.675,00 | 232.397,74 | 38.445,64 | 68.754,36 | 107.200,00 |
| 65 | 231.245,64 | 520,30 | 1.154,70 | 1.675,00 | 231.245,64 | 38.965,94 | 69.909,06 | 108.875,00 |
| 66 | 230.090,94 | 517,70 | 1.157,30 | 1.675,00 | 230.090,94 | 39.483,65 | 71.066,35 | 110.550,00 |
| 67 | 228.933,65 | 515,10 | 1.159,90 | 1.675,00 | 228.933,65 | 39.998,75 | 72.226,25 | 112.225,00 |
| 68 | 227.773,75 | 512,49 | 1.162,51 | 1.675,00 | 227.773,75 | 40.511,24 | 73.388,76 | 113.900,00 |
| 69 | 226.611,24 | 509,88 | 1.165,12 | 1.675,00 | 226.611,24 | 41.021,11 | 74.553,89 | 115.575,00 |
| 70 | 225.446,11 | 507,25 | 1.167,75 | 1.675,00 | 225.446,11 | 41.528,37 | 75.721,63 | 117.250,00 |
| 71 | 224.278,37 | 504,63 | 1.170,37 | 1.675,00 | 224.278,37 | 42.032,99 | 76.892,01 | 118.925,00 |
| 72 | 223.107,99 | 501,99 | 1.173,01 | 1.675,00 | 223.107,99 | 42.534,99 | 78.065,01 | 120.600,00 |
| 73 | 221.934,99 | 499,35 | 1.175,65 | 1.675,00 | 221.934,99 | 43.034,34 | 79.240,66 | 122.275,00 |
| 74 | 220.759,34 | 496,71 | 1.178,29 | 1.675,00 | 220.759,34 | 43.531,05 | 80.418,95 | 123.950,00 |
| 75 | 219.581,05 | 494,06 | 1.180,94 | 1.675,00 | 219.581,05 | 44.025,11 | 81.599,89 | 125.625,00 |
| 76 | 218.400,11 | 491,40 | 1.183,60 | 1.675,00 | 218.400,11 | 44.516,51 | 82.783,49 | 127.300,00 |
| 77 | 217.216,51 | 488,74 | 1.186,26 | 1.675,00 | 217.216,51 | 45.005,24 | 83.969,76 | 128.975,00 |
| 78 | 216.030,24 | 486,07 | 1.188,93 | 1.675,00 | 216.030,24 | 45.491,31 | 85.158,69 | 130.650,00 |
| 79 | 214.841,31 | 483,39 | 1.191,61 | 1.675,00 | 214.841,31 | 45.974,70 | 86.350,30 | 132.325,00 |
| 80 | 213.649,70 | 480,71 | 1.194,29 | 1.675,00 | 213.649,70 | 46.455,42 | 87.544,58 | 134.000,00 |
| 81 | 212.455,42 | 478,02 | 1.196,98 | 1.675,00 | 212.455,42 | 46.933,44 | 88.741,56 | 135.675,00 |
| 82 | 211.258,44 | 475,33 | 1.199,67 | 1.675,00 | 211.258,44 | 47.408,77 | 89.941,23 | 137.350,00 |
| 83 | 210.058,77 | 472,63 | 1.202,37 | 1.675,00 | 210.058,77 | 47.881,40 | 91.143,60 | 139.025,00 |
| 84 | 208.856,40 | 469,93 | 1.205,07 | 1.675,00 | 208.856,40 | 48.351,33 | 92.348,67 | 140.700,00 |
| 85 | 207.651,33 | 467,22 | 1.207,78 | 1.675,00 | 207.651,33 | 48.818,55 | 93.556,45 | 142.375,00 |
| 86 | 206.443,55 | 464,50 | 1.210,50 | 1.675,00 | 206.443,55 | 49.283,04 | 94.766,96 | 144.050,00 |
| 87 | 205.233,04 | 461,77 | 1.213,23 | 1.675,00 | 205.233,04 | 49.744,82 | 95.980,18 | 145.725,00 |
| 88 | 204.019,82 | 459,04 | 1.215,96 | 1.675,00 | 204.019,82 | 50.203,86 | 97.196,14 | 147.400,00 |
| 89 | 202.803,86 | 456,31 | 1.218,69 | 1.675,00 | 202.803,86 | 50.660,17 | 98.414,83 | 149.075,00 |
| 90 | 201.585,17 | 453,57 | 1.221,43 | 1.675,00 | 201.585,17 | 51.113,74 | 99.636,26 | 150.750,00 |
| 91 | 200.363,74 | 450,82 | 1.224,18 | 1.675,00 | 200.363,74 | 51.564,56 | 100.860,44 | 152.425,00 |
| 92 | 199.139,56 | 448,06 | 1.226,94 | 1.675,00 | 199.139,56 | 52.012,62 | 102.087,38 | 154.100,00 |
| 93 | 197.912,62 | 445,30 | 1.229,70 | 1.675,00 | 197.912,62 | 52.457,92 | 103.317,08 | 155.775,00 |
| 94 | 196.682,92 | 442,54 | 1.232,46 | 1.675,00 | 196.682,92 | 52.900,46 | 104.549,54 | 157.450,00 |
| 95 | 195.450,46 | 439,76 | 1.235,24 | 1.675,00 | 195.450,46 | 53.340,22 | 105.784,78 | 159.125,00 |
| 96 | 194.215,22 | 436,98 | 1.238,02 | 1.675,00 | 194.215,22 | 53.777,21 | 107.022,79 | 160.800,00 |
| 97 | 192.977,21 | 434,20 | 1.240,80 | 1.675,00 | 192.977,21 | 54.211,41 | 108.263,59 | 162.475,00 |
| 98 | 191.736,41 | 431,41 | 1.243,59 | 1.675,00 | 191.736,41 | 54.642,81 | 109.507,19 | 164.150,00 |
| 99 | 190.492,81 | 428,61 | 1.246,39 | 1.675,00 | 190.492,81 | 55.071,42 | 110.753,58 | 165.825,00 |
| 100 | 189.246,42 | 425,80 | 1.249,20 | 1.675,00 | 189.246,42 | 55.497,23 | 112.002,77 | 167.500,00 |
| 101 | 187.997,23 | 422,99 | 1.252,01 | 1.675,00 | 187.997,23 | 55.920,22 | 113.254,78 | 169.175,00 |
| 102 | 186.745,22 | 420,18 | 1.254,82 | 1.675,00 | 186.745,22 | 56.340,40 | 114.509,60 | 170.850,00 |
| 103 | 185.490,40 | 417,35 | 1.257,65 | 1.675,00 | 185.490,40 | 56.757,75 | 115.767,25 | 172.525,00 |
| 104 | 184.232,75 | 414,52 | 1.260,48 | 1.675,00 | 184.232,75 | 57.172,28 | 117.027,72 | 174.200,00 |
| 105 | 182.972,28 | 411,69 | 1.263,31 | 1.675,00 | 182.972,28 | 57.583,96 | 118.291,04 | 175.875,00 |
| 106 | 181.708,96 | 408,85 | 1.266,15 | 1.675,00 | 181.708,96 | 57.992,81 | 119.557,19 | 177.550,00 |
| 107 | 180.442,81 | 406,00 | 1.269,00 | 1.675,00 | 180.442,81 | 58.398,80 | 120.826,20 | 179.225,00 |
| 108 | 179.173,80 | 403,14 | 1.271,86 | 1.675,00 | 179.173,80 | 58.801,95 | 122.098,05 | 180.900,00 |
| 109 | 177.901,95 | 400,28 | 1.274,72 | 1.675,00 | 177.901,95 | 59.202,23 | 123.372,77 | 182.575,00 |
| 110 | 176.627,23 | 397,41 | 1.277,59 | 1.675,00 | 176.627,23 | 59.599,64 | 124.650,36 | 184.250,00 |
| 111 | 175.349,64 | 394,54 | 1.280,46 | 1.675,00 | 175.349,64 | 59.994,17 | 125.930,83 | 185.925,00 |
| 112 | 174.069,17 | 391,66 | 1.283,34 | 1.675,00 | 174.069,17 | 60.385,83 | 127.214,17 | 187.600,00 |
| 113 | 172.785,83 | 388,77 | 1.286,23 | 1.675,00 | 172.785,83 | 60.774,60 | 128.500,40 | 189.275,00 |
| 114 | 171.499,60 | 385,87 | 1.289,13 | 1.675,00 | 171.499,60 | 61.160,47 | 129.789,53 | 190.950,00 |
| 115 | 170.210,47 | 382,97 | 1.292,03 | 1.675,00 | 170.210,47 | 61.543,44 | 131.081,56 | 192.625,00 |
| 116 | 168.918,44 | 380,07 | 1.294,93 | 1.675,00 | 168.918,44 | 61.923,51 | 132.376,49 | 194.300,00 |
| 117 | 167.623,51 | 377,15 | 1.297,85 | 1.675,00 | 167.623,51 | 62.300,66 | 133.674,34 | 195.975,00 |
| 118 | 166.325,66 | 374,23 | 1.300,77 | 1.675,00 | 166.325,66 | 62.674,90 | 134.975,10 | 197.650,00 |
| 119 | 165.024,90 | 371,31 | 1.303,69 | 1.675,00 | 165.024,90 | 63.046,20 | 136.278,80 | 199.325,00 |
| 120 | 163.721,20 | 368,37 | 1.306,63 | 1.675,00 | 163.721,20 | 63.414,58 | 137.585,42 | 201.000,00 |
| 121 | 162.414,58 | 365,43 | 1.309,57 | 1.675,00 | 162.414,58 | 63.780,01 | 138.894,99 | 202.675,00 |
| 122 | 161.105,01 | 362,49 | 1.312,51 | 1.675,00 | 161.105,01 | 64.142,49 | 140.207,51 | 204.350,00 |
| 123 | 159.792,49 | 359,53 | 1.315,47 | 1.675,00 | 159.792,49 | 64.502,03 | 141.522,97 | 206.025,00 |
| 124 | 158.477,03 | 356,57 | 1.318,43 | 1.675,00 | 158.477,03 | 64.858,60 | 142.841,40 | 207.700,00 |
| 125 | 157.158,60 | 353,61 | 1.321,39 | 1.675,00 | 157.158,60 | 65.212,21 | 144.162,79 | 209.375,00 |
| 126 | 155.837,21 | 350,63 | 1.324,37 | 1.675,00 | 155.837,21 | 65.562,84 | 145.487,16 | 211.050,00 |
| 127 | 154.512,84 | 347,65 | 1.327,35 | 1.675,00 | 154.512,84 | 65.910,50 | 146.814,50 | 212.725,00 |
| 128 | 153.185,50 | 344,67 | 1.330,33 | 1.675,00 | 153.185,50 | 66.255,16 | 148.144,84 | 214.400,00 |
| 129 | 151.855,16 | 341,67 | 1.333,33 | 1.675,00 | 151.855,16 | 66.596,84 | 149.478,16 | 216.075,00 |
| 130 | 150.521,84 | 338,67 | 1.336,33 | 1.675,00 | 150.521,84 | 66.935,51 | 150.814,49 | 217.750,00 |
| 131 | 149.185,51 | 335,67 | 1.339,33 | 1.675,00 | 149.185,51 | 67.271,18 | 152.153,82 | 219.425,00 |
| 132 | 147.846,18 | 332,65 | 1.342,35 | 1.675,00 | 147.846,18 | 67.603,83 | 153.496,17 | 221.100,00 |
| 133 | 146.503,83 | 329,63 | 1.345,37 | 1.675,00 | 146.503,83 | 67.933,47 | 154.841,53 | 222.775,00 |
| 134 | 145.158,47 | 326,61 | 1.348,39 | 1.675,00 | 145.158,47 | 68.260,07 | 156.189,93 | 224.450,00 |
| 135 | 143.810,07 | 323,57 | 1.351,43 | 1.675,00 | 143.810,07 | 68.583,65 | 157.541,35 | 226.125,00 |
| 136 | 142.458,65 | 320,53 | 1.354,47 | 1.675,00 | 142.458,65 | 68.904,18 | 158.895,82 | 227.800,00 |
| 137 | 141.104,18 | 317,48 | 1.357,52 | 1.675,00 | 141.104,18 | 69.221,66 | 160.253,34 | 229.475,00 |
| 138 | 139.746,66 | 314,43 | 1.360,57 | 1.675,00 | 139.746,66 | 69.536,09 | 161.613,91 | 231.150,00 |
| 139 | 138.386,09 | 311,37 | 1.363,63 | 1.675,00 | 138.386,09 | 69.847,46 | 162.977,54 | 232.825,00 |
| 140 | 137.022,46 | 308,30 | 1.366,70 | 1.675,00 | 137.022,46 | 70.155,76 | 164.344,24 | 234.500,00 |
| 141 | 135.655,76 | 305,23 | 1.369,77 | 1.675,00 | 135.655,76 | 70.460,99 | 165.714,01 | 236.175,00 |
| 142 | 134.285,99 | 302,14 | 1.372,86 | 1.675,00 | 134.285,99 | 70.763,13 | 167.086,87 | 237.850,00 |
| 143 | 132.913,13 | 299,05 | 1.375,95 | 1.675,00 | 132.913,13 | 71.062,18 | 168.462,82 | 239.525,00 |
| 144 | 131.537,18 | 295,96 | 1.379,04 | 1.675,00 | 131.537,18 | 71.358,14 | 169.841,86 | 241.200,00 |
| 145 | 130.158,14 | 292,86 | 1.382,14 | 1.675,00 | 130.158,14 | 71.651,00 | 171.224,00 | 242.875,00 |
| 146 | 128.776,00 | 289,75 | 1.385,25 | 1.675,00 | 128.776,00 | 71.940,74 | 172.609,26 | 244.550,00 |
| 147 | 127.390,74 | 286,63 | 1.388,37 | 1.675,00 | 127.390,74 | 72.227,37 | 173.997,63 | 246.225,00 |
| 148 | 126.002,37 | 283,51 | 1.391,49 | 1.675,00 | 126.002,37 | 72.510,88 | 175.389,12 | 247.900,00 |
| 149 | 124.610,88 | 280,37 | 1.394,63 | 1.675,00 | 124.610,88 | 72.791,25 | 176.783,75 | 249.575,00 |
| 150 | 123.216,25 | 277,24 | 1.397,76 | 1.675,00 | 123.216,25 | 73.068,49 | 178.181,51 | 251.250,00 |
| 151 | 121.818,49 | 274,09 | 1.400,91 | 1.675,00 | 121.818,49 | 73.342,58 | 179.582,42 | 252.925,00 |
| 152 | 120.417,58 | 270,94 | 1.404,06 | 1.675,00 | 120.417,58 | 73.613,52 | 180.986,48 | 254.600,00 |
| 153 | 119.013,52 | 267,78 | 1.407,22 | 1.675,00 | 119.013,52 | 73.881,30 | 182.393,70 | 256.275,00 |
| 154 | 117.606,30 | 264,61 | 1.410,39 | 1.675,00 | 117.606,30 | 74.145,92 | 183.804,08 | 257.950,00 |
| 155 | 116.195,92 | 261,44 | 1.413,56 | 1.675,00 | 116.195,92 | 74.407,36 | 185.217,64 | 259.625,00 |
| 156 | 114.782,36 | 258,26 | 1.416,74 | 1.675,00 | 114.782,36 | 74.665,62 | 186.634,38 | 261.300,00 |
| 157 | 113.365,62 | 255,07 | 1.419,93 | 1.675,00 | 113.365,62 | 74.920,69 | 188.054,31 | 262.975,00 |
| 158 | 111.945,69 | 251,88 | 1.423,12 | 1.675,00 | 111.945,69 | 75.172,57 | 189.477,43 | 264.650,00 |
| 159 | 110.522,57 | 248,68 | 1.426,32 | 1.675,00 | 110.522,57 | 75.421,24 | 190.903,76 | 266.325,00 |
| 160 | 109.096,24 | 245,47 | 1.429,53 | 1.675,00 | 109.096,24 | 75.666,71 | 192.333,29 | 268.000,00 |
| 161 | 107.666,71 | 242,25 | 1.432,75 | 1.675,00 | 107.666,71 | 75.908,96 | 193.766,04 | 269.675,00 |
| 162 | 106.233,96 | 239,03 | 1.435,97 | 1.675,00 | 106.233,96 | 76.147,99 | 195.202,01 | 271.350,00 |
| 163 | 104.797,99 | 235,80 | 1.439,20 | 1.675,00 | 104.797,99 | 76.383,78 | 196.641,22 | 273.025,00 |
| 164 | 103.358,78 | 232,56 | 1.442,44 | 1.675,00 | 103.358,78 | 76.616,34 | 198.083,66 | 274.700,00 |
| 165 | 101.916,34 | 229,31 | 1.445,69 | 1.675,00 | 101.916,34 | 76.845,65 | 199.529,35 | 276.375,00 |
| 166 | 100.470,65 | 226,06 | 1.448,94 | 1.675,00 | 100.470,65 | 77.071,71 | 200.978,29 | 278.050,00 |
| 167 | 99.021,71 | 222,80 | 1.452,20 | 1.675,00 | 99.021,71 | 77.294,51 | 202.430,49 | 279.725,00 |
| 168 | 97.569,51 | 219,53 | 1.455,47 | 1.675,00 | 97.569,51 | 77.514,04 | 203.885,96 | 281.400,00 |
| 169 | 96.114,04 | 216,26 | 1.458,74 | 1.675,00 | 96.114,04 | 77.730,30 | 205.344,70 | 283.075,00 |
| 170 | 94.655,30 | 212,97 | 1.462,03 | 1.675,00 | 94.655,30 | 77.943,27 | 206.806,73 | 284.750,00 |
| 171 | 93.193,27 | 209,68 | 1.465,32 | 1.675,00 | 93.193,27 | 78.152,96 | 208.272,04 | 286.425,00 |
| 172 | 91.727,96 | 206,39 | 1.468,61 | 1.675,00 | 91.727,96 | 78.359,34 | 209.740,66 | 288.100,00 |
| 173 | 90.259,34 | 203,08 | 1.471,92 | 1.675,00 | 90.259,34 | 78.562,43 | 211.212,57 | 289.775,00 |
| 174 | 88.787,43 | 199,77 | 1.475,23 | 1.675,00 | 88.787,43 | 78.762,20 | 212.687,80 | 291.450,00 |
| 175 | 87.312,20 | 196,45 | 1.478,55 | 1.675,00 | 87.312,20 | 78.958,65 | 214.166,35 | 293.125,00 |
| 176 | 85.833,65 | 193,13 | 1.481,87 | 1.675,00 | 85.833,65 | 79.151,78 | 215.648,22 | 294.800,00 |
| 177 | 84.351,78 | 189,79 | 1.485,21 | 1.675,00 | 84.351,78 | 79.341,57 | 217.133,43 | 296.475,00 |
| 178 | 82.866,57 | 186,45 | 1.488,55 | 1.675,00 | 82.866,57 | 79.528,02 | 218.621,98 | 298.150,00 |
| 179 | 81.378,02 | 183,10 | 1.491,90 | 1.675,00 | 81.378,02 | 79.711,12 | 220.113,88 | 299.825,00 |
| 180 | 79.886,12 | 179,74 | 1.495,26 | 1.675,00 | 79.886,12 | 79.890,86 | 221.609,14 | 301.500,00 |
| 181 | 78.390,86 | 176,38 | 1.498,62 | 1.675,00 | 78.390,86 | 80.067,24 | 223.107,76 | 303.175,00 |
| 182 | 76.892,24 | 173,01 | 1.501,99 | 1.675,00 | 76.892,24 | 80.240,25 | 224.609,75 | 304.850,00 |
| 183 | 75.390,25 | 169,63 | 1.505,37 | 1.675,00 | 75.390,25 | 80.409,88 | 226.115,12 | 306.525,00 |
| 184 | 73.884,88 | 166,24 | 1.508,76 | 1.675,00 | 73.884,88 | 80.576,12 | 227.623,88 | 308.200,00 |
| 185 | 72.376,12 | 162,85 | 1.512,15 | 1.675,00 | 72.376,12 | 80.738,97 | 229.136,03 | 309.875,00 |
| 186 | 70.863,97 | 159,44 | 1.515,56 | 1.675,00 | 70.863,97 | 80.898,41 | 230.651,59 | 311.550,00 |
| 187 | 69.348,41 | 156,03 | 1.518,97 | 1.675,00 | 69.348,41 | 81.054,44 | 232.170,56 | 313.225,00 |
| 188 | 67.829,44 | 152,62 | 1.522,38 | 1.675,00 | 67.829,44 | 81.207,06 | 233.692,94 | 314.900,00 |
| 189 | 66.307,06 | 149,19 | 1.525,81 | 1.675,00 | 66.307,06 | 81.356,25 | 235.218,75 | 316.575,00 |
| 190 | 64.781,25 | 145,76 | 1.529,24 | 1.675,00 | 64.781,25 | 81.502,01 | 236.747,99 | 318.250,00 |
| 191 | 63.252,01 | 142,32 | 1.532,68 | 1.675,00 | 63.252,01 | 81.644,33 | 238.280,67 | 319.925,00 |
| 192 | 61.719,33 | 138,87 | 1.536,13 | 1.675,00 | 61.719,33 | 81.783,19 | 239.816,81 | 321.600,00 |
| 193 | 60.183,19 | 135,41 | 1.539,59 | 1.675,00 | 60.183,19 | 81.918,61 | 241.356,39 | 323.275,00 |
| 194 | 58.643,61 | 131,95 | 1.543,05 | 1.675,00 | 58.643,61 | 82.050,55 | 242.899,45 | 324.950,00 |
| 195 | 57.100,55 | 128,48 | 1.546,52 | 1.675,00 | 57.100,55 | 82.179,03 | 244.445,97 | 326.625,00 |
| 196 | 55.554,03 | 125,00 | 1.550,00 | 1.675,00 | 55.554,03 | 82.304,03 | 245.995,97 | 328.300,00 |
| 197 | 54.004,03 | 121,51 | 1.553,49 | 1.675,00 | 54.004,03 | 82.425,54 | 247.549,46 | 329.975,00 |
| 198 | 52.450,54 | 118,01 | 1.556,99 | 1.675,00 | 52.450,54 | 82.543,55 | 249.106,45 | 331.650,00 |
| 199 | 50.893,55 | 114,51 | 1.560,49 | 1.675,00 | 50.893,55 | 82.658,06 | 250.666,94 | 333.325,00 |
| 200 | 49.333,06 | 111,00 | 1.564,00 | 1.675,00 | 49.333,06 | 82.769,06 | 252.230,94 | 335.000,00 |
| 201 | 47.769,06 | 107,48 | 1.567,52 | 1.675,00 | 47.769,06 | 82.876,54 | 253.798,46 | 336.675,00 |
| 202 | 46.201,54 | 103,95 | 1.571,05 | 1.675,00 | 46.201,54 | 82.980,49 | 255.369,51 | 338.350,00 |
| 203 | 44.630,49 | 100,42 | 1.574,58 | 1.675,00 | 44.630,49 | 83.080,91 | 256.944,09 | 340.025,00 |
| 204 | 43.055,91 | 96,88 | 1.578,12 | 1.675,00 | 43.055,91 | 83.177,79 | 258.522,21 | 341.700,00 |
| 205 | 41.477,79 | 93,33 | 1.581,67 | 1.675,00 | 41.477,79 | 83.271,11 | 260.103,89 | 343.375,00 |
| 206 | 39.896,11 | 89,77 | 1.585,23 | 1.675,00 | 39.896,11 | 83.360,88 | 261.689,12 | 345.050,00 |
| 207 | 38.310,88 | 86,20 | 1.588,80 | 1.675,00 | 38.310,88 | 83.447,08 | 263.277,92 | 346.725,00 |
| 208 | 36.722,08 | 82,62 | 1.592,38 | 1.675,00 | 36.722,08 | 83.529,70 | 264.870,30 | 348.400,00 |
| 209 | 35.129,70 | 79,04 | 1.595,96 | 1.675,00 | 35.129,70 | 83.608,74 | 266.466,26 | 350.075,00 |
| 210 | 33.533,74 | 75,45 | 1.599,55 | 1.675,00 | 33.533,74 | 83.684,20 | 268.065,80 | 351.750,00 |
| 211 | 31.934,20 | 71,85 | 1.603,15 | 1.675,00 | 31.934,20 | 83.756,05 | 269.668,95 | 353.425,00 |
| 212 | 30.331,05 | 68,24 | 1.606,76 | 1.675,00 | 30.331,05 | 83.824,29 | 271.275,71 | 355.100,00 |
| 213 | 28.724,29 | 64,63 | 1.610,37 | 1.675,00 | 28.724,29 | 83.888,92 | 272.886,08 | 356.775,00 |
| 214 | 27.113,92 | 61,01 | 1.613,99 | 1.675,00 | 27.113,92 | 83.949,93 | 274.500,07 | 358.450,00 |
| 215 | 25.499,93 | 57,37 | 1.617,63 | 1.675,00 | 25.499,93 | 84.007,30 | 276.117,70 | 360.125,00 |
| 216 | 23.882,30 | 53,74 | 1.621,26 | 1.675,00 | 23.882,30 | 84.061,04 | 277.738,96 | 361.800,00 |
| 217 | 22.261,04 | 50,09 | 1.624,91 | 1.675,00 | 22.261,04 | 84.111,13 | 279.363,87 | 363.475,00 |
| 218 | 20.636,13 | 46,43 | 1.628,57 | 1.675,00 | 20.636,13 | 84.157,56 | 280.992,44 | 365.150,00 |
| 219 | 19.007,56 | 42,77 | 1.632,23 | 1.675,00 | 19.007,56 | 84.200,32 | 282.624,68 | 366.825,00 |
| 220 | 17.375,32 | 39,09 | 1.635,91 | 1.675,00 | 17.375,32 | 84.239,42 | 284.260,58 | 368.500,00 |
| 221 | 15.739,42 | 35,41 | 1.639,59 | 1.675,00 | 15.739,42 | 84.274,83 | 285.900,17 | 370.175,00 |
| 222 | 14.099,83 | 31,72 | 1.643,28 | 1.675,00 | 14.099,83 | 84.306,56 | 287.543,44 | 371.850,00 |
| 223 | 12.456,56 | 28,03 | 1.646,97 | 1.675,00 | 12.456,56 | 84.334,58 | 289.190,42 | 373.525,00 |
| 224 | 10.809,58 | 24,32 | 1.650,68 | 1.675,00 | 10.809,58 | 84.358,91 | 290.841,09 | 375.200,00 |
| 225 | 9.158,91 | 20,61 | 1.654,39 | 1.675,00 | 9.158,91 | 84.379,51 | 292.495,49 | 376.875,00 |
| 226 | 7.504,51 | 16,89 | 1.658,11 | 1.675,00 | 7.504,51 | 84.396,40 | 294.153,60 | 378.550,00 |
| 227 | 5.846,40 | 13,15 | 1.661,85 | 1.675,00 | 5.846,40 | 84.409,55 | 295.815,45 | 380.225,00 |
| 228 | 4.184,55 | 9,42 | 1.665,58 | 1.675,00 | 4.184,55 | 84.418,97 | 297.481,03 | 381.900,00 |
| 229 | 2.518,97 | 5,67 | 1.669,33 | 1.675,00 | 2.518,97 | 84.424,64 | 299.150,36 | 383.575,00 |
| 230 | 849,64 | 1,91 | 849,64 | 849,64 | 849,64 | 84.426,55 | 300.000,00 | 384.426,55 |
ACCEDO Baufinanzierung
- 6,01%
- gebundener Sollzins*
- 6,18%
- effektiver Jahreszins*
- 2.502,50€
- Monatsrate
- Gesamtzahlung :459.488,15 EUR
- Tilgungsanteil :300.000,00 EUR
- Zinsanteil :159.488,15 EUR
- Volltilgung nach:15 Jahren und 3 Monaten
- Abschlussrate:1.523,02 EUR
Tilgungsplan ↓
Repr. Beispiel nach §6a PAngV:
Nettodarlehensbetrag 100.000,00 EUR;
Kreditrate: 256,67 EUR;
Gesamtbetrag: 30.800,00 EUR;
Anzahl Kreditraten: 120;
Laufzeit: 120 Monate; Effektiver Jahreszins: 1,09 %;
Gebundener Sollzins: 1,08 %;
Der effektive Jahreszins berücksichtigt weder Versicherungsgebühren noch Kosten für Zusatzleistungen. Das Darlehen wird durch Grundpfandrecht besichert.
Kosten für Notar, Grunderwerbsteuer oder das Grundbuchamt sind nicht berücksichtigt. Darlehensgeber bzw. -vermittler ist ACCEDO AG Wittelsbacherring 49
95444 Bayreuth
95444 Bayreuth
| Monat | kreditsumme | Zinslast | Tilgungslast | Monatsrate | Restschuld | Zinsen gesamt | Tilgung gesamt | GESAMT |
|---|---|---|---|---|---|---|---|---|
| 1 | 300.000,00 | 1.502,50 | 1.000,00 | 2.502,50 | 299.000,00 | 1.502,50 | 1.000,00 | 2.502,50 |
| 2 | 299.000,00 | 1.497,49 | 1.005,01 | 2.502,50 | 299.000,00 | 2.999,99 | 2.005,01 | 5.005,00 |
| 3 | 297.994,99 | 1.492,46 | 1.010,04 | 2.502,50 | 297.994,99 | 4.492,45 | 3.015,05 | 7.507,50 |
| 4 | 296.984,95 | 1.487,40 | 1.015,10 | 2.502,50 | 296.984,95 | 5.979,85 | 4.030,15 | 10.010,00 |
| 5 | 295.969,85 | 1.482,32 | 1.020,18 | 2.502,50 | 295.969,85 | 7.462,17 | 5.050,33 | 12.512,50 |
| 6 | 294.949,67 | 1.477,21 | 1.025,29 | 2.502,50 | 294.949,67 | 8.939,37 | 6.075,63 | 15.015,00 |
| 7 | 293.924,37 | 1.472,07 | 1.030,43 | 2.502,50 | 293.924,37 | 10.411,44 | 7.106,06 | 17.517,50 |
| 8 | 292.893,94 | 1.466,91 | 1.035,59 | 2.502,50 | 292.893,94 | 11.878,35 | 8.141,65 | 20.020,00 |
| 9 | 291.858,35 | 1.461,72 | 1.040,78 | 2.502,50 | 291.858,35 | 13.340,08 | 9.182,42 | 22.522,50 |
| 10 | 290.817,58 | 1.456,51 | 1.045,99 | 2.502,50 | 290.817,58 | 14.796,59 | 10.228,41 | 25.025,00 |
| 11 | 289.771,59 | 1.451,27 | 1.051,23 | 2.502,50 | 289.771,59 | 16.247,86 | 11.279,64 | 27.527,50 |
| 12 | 288.720,36 | 1.446,01 | 1.056,49 | 2.502,50 | 288.720,36 | 17.693,87 | 12.336,13 | 30.030,00 |
| 13 | 287.663,87 | 1.440,72 | 1.061,78 | 2.502,50 | 287.663,87 | 19.134,59 | 13.397,91 | 32.532,50 |
| 14 | 286.602,09 | 1.435,40 | 1.067,10 | 2.502,50 | 286.602,09 | 20.569,98 | 14.465,02 | 35.035,00 |
| 15 | 285.534,98 | 1.430,05 | 1.072,45 | 2.502,50 | 285.534,98 | 22.000,04 | 15.537,46 | 37.537,50 |
| 16 | 284.462,54 | 1.424,68 | 1.077,82 | 2.502,50 | 284.462,54 | 23.424,72 | 16.615,28 | 40.040,00 |
| 17 | 283.384,72 | 1.419,29 | 1.083,21 | 2.502,50 | 283.384,72 | 24.844,01 | 17.698,49 | 42.542,50 |
| 18 | 282.301,51 | 1.413,86 | 1.088,64 | 2.502,50 | 282.301,51 | 26.257,87 | 18.787,13 | 45.045,00 |
| 19 | 281.212,87 | 1.408,41 | 1.094,09 | 2.502,50 | 281.212,87 | 27.666,27 | 19.881,23 | 47.547,50 |
| 20 | 280.118,77 | 1.402,93 | 1.099,57 | 2.502,50 | 280.118,77 | 29.069,20 | 20.980,80 | 50.050,00 |
| 21 | 279.019,20 | 1.397,42 | 1.105,08 | 2.502,50 | 279.019,20 | 30.466,62 | 22.085,88 | 52.552,50 |
| 22 | 277.914,12 | 1.391,89 | 1.110,61 | 2.502,50 | 277.914,12 | 31.858,51 | 23.196,49 | 55.055,00 |
| 23 | 276.803,51 | 1.386,32 | 1.116,18 | 2.502,50 | 276.803,51 | 33.244,84 | 24.312,66 | 57.557,50 |
| 24 | 275.687,34 | 1.380,73 | 1.121,77 | 2.502,50 | 275.687,34 | 34.625,57 | 25.434,43 | 60.060,00 |
| 25 | 274.565,57 | 1.375,12 | 1.127,38 | 2.502,50 | 274.565,57 | 36.000,69 | 26.561,81 | 62.562,50 |
| 26 | 273.438,19 | 1.369,47 | 1.133,03 | 2.502,50 | 273.438,19 | 37.370,15 | 27.694,85 | 65.065,00 |
| 27 | 272.305,15 | 1.363,79 | 1.138,71 | 2.502,50 | 272.305,15 | 38.733,95 | 28.833,55 | 67.567,50 |
| 28 | 271.166,45 | 1.358,09 | 1.144,41 | 2.502,50 | 271.166,45 | 40.092,04 | 29.977,96 | 70.070,00 |
| 29 | 270.022,04 | 1.352,36 | 1.150,14 | 2.502,50 | 270.022,04 | 41.444,40 | 31.128,10 | 72.572,50 |
| 30 | 268.871,90 | 1.346,60 | 1.155,90 | 2.502,50 | 268.871,90 | 42.791,00 | 32.284,00 | 75.075,00 |
| 31 | 267.716,00 | 1.340,81 | 1.161,69 | 2.502,50 | 267.716,00 | 44.131,81 | 33.445,69 | 77.577,50 |
| 32 | 266.554,31 | 1.334,99 | 1.167,51 | 2.502,50 | 266.554,31 | 45.466,81 | 34.613,19 | 80.080,00 |
| 33 | 265.386,81 | 1.329,15 | 1.173,35 | 2.502,50 | 265.386,81 | 46.795,95 | 35.786,55 | 82.582,50 |
| 34 | 264.213,45 | 1.323,27 | 1.179,23 | 2.502,50 | 264.213,45 | 48.119,22 | 36.965,78 | 85.085,00 |
| 35 | 263.034,22 | 1.317,36 | 1.185,14 | 2.502,50 | 263.034,22 | 49.436,58 | 38.150,92 | 87.587,50 |
| 36 | 261.849,08 | 1.311,43 | 1.191,07 | 2.502,50 | 261.849,08 | 50.748,01 | 39.341,99 | 90.090,00 |
| 37 | 260.658,01 | 1.305,46 | 1.197,04 | 2.502,50 | 260.658,01 | 52.053,47 | 40.539,03 | 92.592,50 |
| 38 | 259.460,97 | 1.299,47 | 1.203,03 | 2.502,50 | 259.460,97 | 53.352,94 | 41.742,06 | 95.095,00 |
| 39 | 258.257,94 | 1.293,44 | 1.209,06 | 2.502,50 | 258.257,94 | 54.646,38 | 42.951,12 | 97.597,50 |
| 40 | 257.048,88 | 1.287,39 | 1.215,11 | 2.502,50 | 257.048,88 | 55.933,77 | 44.166,23 | 100.100,00 |
| 41 | 255.833,77 | 1.281,30 | 1.221,20 | 2.502,50 | 255.833,77 | 57.215,07 | 45.387,43 | 102.602,50 |
| 42 | 254.612,57 | 1.275,18 | 1.227,32 | 2.502,50 | 254.612,57 | 58.490,25 | 46.614,75 | 105.105,00 |
| 43 | 253.385,25 | 1.269,04 | 1.233,46 | 2.502,50 | 253.385,25 | 59.759,29 | 47.848,21 | 107.607,50 |
| 44 | 252.151,79 | 1.262,86 | 1.239,64 | 2.502,50 | 252.151,79 | 61.022,15 | 49.087,85 | 110.110,00 |
| 45 | 250.912,15 | 1.256,65 | 1.245,85 | 2.502,50 | 250.912,15 | 62.278,80 | 50.333,70 | 112.612,50 |
| 46 | 249.666,30 | 1.250,41 | 1.252,09 | 2.502,50 | 249.666,30 | 63.529,22 | 51.585,78 | 115.115,00 |
| 47 | 248.414,22 | 1.244,14 | 1.258,36 | 2.502,50 | 248.414,22 | 64.773,36 | 52.844,14 | 117.617,50 |
| 48 | 247.155,86 | 1.237,84 | 1.264,66 | 2.502,50 | 247.155,86 | 66.011,20 | 54.108,80 | 120.120,00 |
| 49 | 245.891,20 | 1.231,51 | 1.270,99 | 2.502,50 | 245.891,20 | 67.242,70 | 55.379,80 | 122.622,50 |
| 50 | 244.620,20 | 1.225,14 | 1.277,36 | 2.502,50 | 244.620,20 | 68.467,84 | 56.657,16 | 125.125,00 |
| 51 | 243.342,84 | 1.218,74 | 1.283,76 | 2.502,50 | 243.342,84 | 69.686,58 | 57.940,92 | 127.627,50 |
| 52 | 242.059,08 | 1.212,31 | 1.290,19 | 2.502,50 | 242.059,08 | 70.898,90 | 59.231,10 | 130.130,00 |
| 53 | 240.768,90 | 1.205,85 | 1.296,65 | 2.502,50 | 240.768,90 | 72.104,75 | 60.527,75 | 132.632,50 |
| 54 | 239.472,25 | 1.199,36 | 1.303,14 | 2.502,50 | 239.472,25 | 73.304,10 | 61.830,90 | 135.135,00 |
| 55 | 238.169,10 | 1.192,83 | 1.309,67 | 2.502,50 | 238.169,10 | 74.496,93 | 63.140,57 | 137.637,50 |
| 56 | 236.859,43 | 1.186,27 | 1.316,23 | 2.502,50 | 236.859,43 | 75.683,20 | 64.456,80 | 140.140,00 |
| 57 | 235.543,20 | 1.179,68 | 1.322,82 | 2.502,50 | 235.543,20 | 76.862,88 | 65.779,62 | 142.642,50 |
| 58 | 234.220,38 | 1.173,05 | 1.329,45 | 2.502,50 | 234.220,38 | 78.035,94 | 67.109,06 | 145.145,00 |
| 59 | 232.890,94 | 1.166,40 | 1.336,10 | 2.502,50 | 232.890,94 | 79.202,33 | 68.445,17 | 147.647,50 |
| 60 | 231.554,83 | 1.159,70 | 1.342,80 | 2.502,50 | 231.554,83 | 80.362,04 | 69.787,96 | 150.150,00 |
| 61 | 230.212,04 | 1.152,98 | 1.349,52 | 2.502,50 | 230.212,04 | 81.515,01 | 71.137,49 | 152.652,50 |
| 62 | 228.862,51 | 1.146,22 | 1.356,28 | 2.502,50 | 228.862,51 | 82.661,23 | 72.493,77 | 155.155,00 |
| 63 | 227.506,23 | 1.139,43 | 1.363,07 | 2.502,50 | 227.506,23 | 83.800,66 | 73.856,84 | 157.657,50 |
| 64 | 226.143,16 | 1.132,60 | 1.369,90 | 2.502,50 | 226.143,16 | 84.933,26 | 75.226,74 | 160.160,00 |
| 65 | 224.773,26 | 1.125,74 | 1.376,76 | 2.502,50 | 224.773,26 | 86.059,00 | 76.603,50 | 162.662,50 |
| 66 | 223.396,50 | 1.118,84 | 1.383,66 | 2.502,50 | 223.396,50 | 87.177,85 | 77.987,15 | 165.165,00 |
| 67 | 222.012,85 | 1.111,91 | 1.390,59 | 2.502,50 | 222.012,85 | 88.289,76 | 79.377,74 | 167.667,50 |
| 68 | 220.622,26 | 1.104,95 | 1.397,55 | 2.502,50 | 220.622,26 | 89.394,71 | 80.775,29 | 170.170,00 |
| 69 | 219.224,71 | 1.097,95 | 1.404,55 | 2.502,50 | 219.224,71 | 90.492,66 | 82.179,84 | 172.672,50 |
| 70 | 217.820,16 | 1.090,92 | 1.411,58 | 2.502,50 | 217.820,16 | 91.583,58 | 83.591,42 | 175.175,00 |
| 71 | 216.408,58 | 1.083,85 | 1.418,65 | 2.502,50 | 216.408,58 | 92.667,42 | 85.010,08 | 177.677,50 |
| 72 | 214.989,92 | 1.076,74 | 1.425,76 | 2.502,50 | 214.989,92 | 93.744,16 | 86.435,84 | 180.180,00 |
| 73 | 213.564,16 | 1.069,60 | 1.432,90 | 2.502,50 | 213.564,16 | 94.813,76 | 87.868,74 | 182.682,50 |
| 74 | 212.131,26 | 1.062,42 | 1.440,08 | 2.502,50 | 212.131,26 | 95.876,19 | 89.308,81 | 185.185,00 |
| 75 | 210.691,19 | 1.055,21 | 1.447,29 | 2.502,50 | 210.691,19 | 96.931,40 | 90.756,10 | 187.687,50 |
| 76 | 209.243,90 | 1.047,96 | 1.454,54 | 2.502,50 | 209.243,90 | 97.979,36 | 92.210,64 | 190.190,00 |
| 77 | 207.789,36 | 1.040,68 | 1.461,82 | 2.502,50 | 207.789,36 | 99.020,04 | 93.672,46 | 192.692,50 |
| 78 | 206.327,54 | 1.033,36 | 1.469,14 | 2.502,50 | 206.327,54 | 100.053,40 | 95.141,60 | 195.195,00 |
| 79 | 204.858,40 | 1.026,00 | 1.476,50 | 2.502,50 | 204.858,40 | 101.079,40 | 96.618,10 | 197.697,50 |
| 80 | 203.381,90 | 1.018,60 | 1.483,90 | 2.502,50 | 203.381,90 | 102.098,00 | 98.102,00 | 200.200,00 |
| 81 | 201.898,00 | 1.011,17 | 1.491,33 | 2.502,50 | 201.898,00 | 103.109,17 | 99.593,33 | 202.702,50 |
| 82 | 200.406,67 | 1.003,70 | 1.498,80 | 2.502,50 | 200.406,67 | 104.112,88 | 101.092,12 | 205.205,00 |
| 83 | 198.907,88 | 996,20 | 1.506,30 | 2.502,50 | 198.907,88 | 105.109,07 | 102.598,43 | 207.707,50 |
| 84 | 197.401,57 | 988,65 | 1.513,85 | 2.502,50 | 197.401,57 | 106.097,73 | 104.112,27 | 210.210,00 |
| 85 | 195.887,73 | 981,07 | 1.521,43 | 2.502,50 | 195.887,73 | 107.078,80 | 105.633,70 | 212.712,50 |
| 86 | 194.366,30 | 973,45 | 1.529,05 | 2.502,50 | 194.366,30 | 108.052,25 | 107.162,75 | 215.215,00 |
| 87 | 192.837,25 | 965,79 | 1.536,71 | 2.502,50 | 192.837,25 | 109.018,04 | 108.699,46 | 217.717,50 |
| 88 | 191.300,54 | 958,10 | 1.544,40 | 2.502,50 | 191.300,54 | 109.976,14 | 110.243,86 | 220.220,00 |
| 89 | 189.756,14 | 950,36 | 1.552,14 | 2.502,50 | 189.756,14 | 110.926,50 | 111.796,00 | 222.722,50 |
| 90 | 188.204,00 | 942,59 | 1.559,91 | 2.502,50 | 188.204,00 | 111.869,09 | 113.355,91 | 225.225,00 |
| 91 | 186.644,09 | 934,78 | 1.567,72 | 2.502,50 | 186.644,09 | 112.803,87 | 114.923,63 | 227.727,50 |
| 92 | 185.076,37 | 926,92 | 1.575,58 | 2.502,50 | 185.076,37 | 113.730,79 | 116.499,21 | 230.230,00 |
| 93 | 183.500,79 | 919,03 | 1.583,47 | 2.502,50 | 183.500,79 | 114.649,82 | 118.082,68 | 232.732,50 |
| 94 | 181.917,32 | 911,10 | 1.591,40 | 2.502,50 | 181.917,32 | 115.560,93 | 119.674,07 | 235.235,00 |
| 95 | 180.325,93 | 903,13 | 1.599,37 | 2.502,50 | 180.325,93 | 116.464,06 | 121.273,44 | 237.737,50 |
| 96 | 178.726,56 | 895,12 | 1.607,38 | 2.502,50 | 178.726,56 | 117.359,18 | 122.880,82 | 240.240,00 |
| 97 | 177.119,18 | 887,07 | 1.615,43 | 2.502,50 | 177.119,18 | 118.246,25 | 124.496,25 | 242.742,50 |
| 98 | 175.503,75 | 878,98 | 1.623,52 | 2.502,50 | 175.503,75 | 119.125,23 | 126.119,77 | 245.245,00 |
| 99 | 173.880,23 | 870,85 | 1.631,65 | 2.502,50 | 173.880,23 | 119.996,08 | 127.751,42 | 247.747,50 |
| 100 | 172.248,58 | 862,68 | 1.639,82 | 2.502,50 | 172.248,58 | 120.858,76 | 129.391,24 | 250.250,00 |
| 101 | 170.608,76 | 854,47 | 1.648,03 | 2.502,50 | 170.608,76 | 121.713,23 | 131.039,27 | 252.752,50 |
| 102 | 168.960,73 | 846,21 | 1.656,29 | 2.502,50 | 168.960,73 | 122.559,44 | 132.695,56 | 255.255,00 |
| 103 | 167.304,44 | 837,92 | 1.664,58 | 2.502,50 | 167.304,44 | 123.397,36 | 134.360,14 | 257.757,50 |
| 104 | 165.639,86 | 829,58 | 1.672,92 | 2.502,50 | 165.639,86 | 124.226,94 | 136.033,06 | 260.260,00 |
| 105 | 163.966,94 | 821,20 | 1.681,30 | 2.502,50 | 163.966,94 | 125.048,14 | 137.714,36 | 262.762,50 |
| 106 | 162.285,64 | 812,78 | 1.689,72 | 2.502,50 | 162.285,64 | 125.860,92 | 139.404,08 | 265.265,00 |
| 107 | 160.595,92 | 804,32 | 1.698,18 | 2.502,50 | 160.595,92 | 126.665,23 | 141.102,27 | 267.767,50 |
| 108 | 158.897,73 | 795,81 | 1.706,69 | 2.502,50 | 158.897,73 | 127.461,05 | 142.808,95 | 270.270,00 |
| 109 | 157.191,05 | 787,27 | 1.715,23 | 2.502,50 | 157.191,05 | 128.248,31 | 144.524,19 | 272.772,50 |
| 110 | 155.475,81 | 778,67 | 1.723,83 | 2.502,50 | 155.475,81 | 129.026,99 | 146.248,01 | 275.275,00 |
| 111 | 153.751,99 | 770,04 | 1.732,46 | 2.502,50 | 153.751,99 | 129.797,03 | 147.980,47 | 277.777,50 |
| 112 | 152.019,53 | 761,36 | 1.741,14 | 2.502,50 | 152.019,53 | 130.558,39 | 149.721,61 | 280.280,00 |
| 113 | 150.278,39 | 752,64 | 1.749,86 | 2.502,50 | 150.278,39 | 131.311,04 | 151.471,46 | 282.782,50 |
| 114 | 148.528,54 | 743,88 | 1.758,62 | 2.502,50 | 148.528,54 | 132.054,92 | 153.230,08 | 285.285,00 |
| 115 | 146.769,92 | 735,07 | 1.767,43 | 2.502,50 | 146.769,92 | 132.789,99 | 154.997,51 | 287.787,50 |
| 116 | 145.002,49 | 726,22 | 1.776,28 | 2.502,50 | 145.002,49 | 133.516,21 | 156.773,79 | 290.290,00 |
| 117 | 143.226,21 | 717,32 | 1.785,18 | 2.502,50 | 143.226,21 | 134.233,54 | 158.558,96 | 292.792,50 |
| 118 | 141.441,04 | 708,38 | 1.794,12 | 2.502,50 | 141.441,04 | 134.941,92 | 160.353,08 | 295.295,00 |
| 119 | 139.646,92 | 699,40 | 1.803,10 | 2.502,50 | 139.646,92 | 135.641,32 | 162.156,18 | 297.797,50 |
| 120 | 137.843,82 | 690,37 | 1.812,13 | 2.502,50 | 137.843,82 | 136.331,69 | 163.968,31 | 300.300,00 |
| 121 | 136.031,69 | 681,29 | 1.821,21 | 2.502,50 | 136.031,69 | 137.012,98 | 165.789,52 | 302.802,50 |
| 122 | 134.210,48 | 672,17 | 1.830,33 | 2.502,50 | 134.210,48 | 137.685,15 | 167.619,85 | 305.305,00 |
| 123 | 132.380,15 | 663,00 | 1.839,50 | 2.502,50 | 132.380,15 | 138.348,15 | 169.459,35 | 307.807,50 |
| 124 | 130.540,65 | 653,79 | 1.848,71 | 2.502,50 | 130.540,65 | 139.001,94 | 171.308,06 | 310.310,00 |
| 125 | 128.691,94 | 644,53 | 1.857,97 | 2.502,50 | 128.691,94 | 139.646,48 | 173.166,02 | 312.812,50 |
| 126 | 126.833,98 | 635,23 | 1.867,27 | 2.502,50 | 126.833,98 | 140.281,70 | 175.033,30 | 315.315,00 |
| 127 | 124.966,70 | 625,87 | 1.876,63 | 2.502,50 | 124.966,70 | 140.907,58 | 176.909,92 | 317.817,50 |
| 128 | 123.090,08 | 616,48 | 1.886,02 | 2.502,50 | 123.090,08 | 141.524,05 | 178.795,95 | 320.320,00 |
| 129 | 121.204,05 | 607,03 | 1.895,47 | 2.502,50 | 121.204,05 | 142.131,08 | 180.691,42 | 322.822,50 |
| 130 | 119.308,58 | 597,54 | 1.904,96 | 2.502,50 | 119.308,58 | 142.728,62 | 182.596,38 | 325.325,00 |
| 131 | 117.403,62 | 588,00 | 1.914,50 | 2.502,50 | 117.403,62 | 143.316,62 | 184.510,88 | 327.827,50 |
| 132 | 115.489,12 | 578,41 | 1.924,09 | 2.502,50 | 115.489,12 | 143.895,03 | 186.434,97 | 330.330,00 |
| 133 | 113.565,03 | 568,77 | 1.933,73 | 2.502,50 | 113.565,03 | 144.463,80 | 188.368,70 | 332.832,50 |
| 134 | 111.631,30 | 559,09 | 1.943,41 | 2.502,50 | 111.631,30 | 145.022,88 | 190.312,12 | 335.335,00 |
| 135 | 109.687,88 | 549,35 | 1.953,15 | 2.502,50 | 109.687,88 | 145.572,24 | 192.265,26 | 337.837,50 |
| 136 | 107.734,74 | 539,57 | 1.962,93 | 2.502,50 | 107.734,74 | 146.111,81 | 194.228,19 | 340.340,00 |
| 137 | 105.771,81 | 529,74 | 1.972,76 | 2.502,50 | 105.771,81 | 146.641,55 | 196.200,95 | 342.842,50 |
| 138 | 103.799,05 | 519,86 | 1.982,64 | 2.502,50 | 103.799,05 | 147.161,41 | 198.183,59 | 345.345,00 |
| 139 | 101.816,41 | 509,93 | 1.992,57 | 2.502,50 | 101.816,41 | 147.671,34 | 200.176,16 | 347.847,50 |
| 140 | 99.823,84 | 499,95 | 2.002,55 | 2.502,50 | 99.823,84 | 148.171,29 | 202.178,71 | 350.350,00 |
| 141 | 97.821,29 | 489,92 | 2.012,58 | 2.502,50 | 97.821,29 | 148.661,21 | 204.191,29 | 352.852,50 |
| 142 | 95.808,71 | 479,84 | 2.022,66 | 2.502,50 | 95.808,71 | 149.141,05 | 206.213,95 | 355.355,00 |
| 143 | 93.786,05 | 469,71 | 2.032,79 | 2.502,50 | 93.786,05 | 149.610,77 | 208.246,73 | 357.857,50 |
| 144 | 91.753,27 | 459,53 | 2.042,97 | 2.502,50 | 91.753,27 | 150.070,30 | 210.289,70 | 360.360,00 |
| 145 | 89.710,30 | 449,30 | 2.053,20 | 2.502,50 | 89.710,30 | 150.519,60 | 212.342,90 | 362.862,50 |
| 146 | 87.657,10 | 439,02 | 2.063,48 | 2.502,50 | 87.657,10 | 150.958,61 | 214.406,39 | 365.365,00 |
| 147 | 85.593,61 | 428,68 | 2.073,82 | 2.502,50 | 85.593,61 | 151.387,29 | 216.480,21 | 367.867,50 |
| 148 | 83.519,79 | 418,29 | 2.084,21 | 2.502,50 | 83.519,79 | 151.805,59 | 218.564,41 | 370.370,00 |
| 149 | 81.435,59 | 407,86 | 2.094,64 | 2.502,50 | 81.435,59 | 152.213,45 | 220.659,05 | 372.872,50 |
| 150 | 79.340,95 | 397,37 | 2.105,13 | 2.502,50 | 79.340,95 | 152.610,81 | 222.764,19 | 375.375,00 |
| 151 | 77.235,81 | 386,82 | 2.115,68 | 2.502,50 | 77.235,81 | 152.997,63 | 224.879,87 | 377.877,50 |
| 152 | 75.120,13 | 376,23 | 2.126,27 | 2.502,50 | 75.120,13 | 153.373,86 | 227.006,14 | 380.380,00 |
| 153 | 72.993,86 | 365,58 | 2.136,92 | 2.502,50 | 72.993,86 | 153.739,44 | 229.143,06 | 382.882,50 |
| 154 | 70.856,94 | 354,88 | 2.147,62 | 2.502,50 | 70.856,94 | 154.094,31 | 231.290,69 | 385.385,00 |
| 155 | 68.709,31 | 344,12 | 2.158,38 | 2.502,50 | 68.709,31 | 154.438,43 | 233.449,07 | 387.887,50 |
| 156 | 66.550,93 | 333,31 | 2.169,19 | 2.502,50 | 66.550,93 | 154.771,74 | 235.618,26 | 390.390,00 |
| 157 | 64.381,74 | 322,45 | 2.180,05 | 2.502,50 | 64.381,74 | 155.094,19 | 237.798,31 | 392.892,50 |
| 158 | 62.201,69 | 311,53 | 2.190,97 | 2.502,50 | 62.201,69 | 155.405,71 | 239.989,29 | 395.395,00 |
| 159 | 60.010,71 | 300,55 | 2.201,95 | 2.502,50 | 60.010,71 | 155.706,27 | 242.191,23 | 397.897,50 |
| 160 | 57.808,77 | 289,53 | 2.212,97 | 2.502,50 | 57.808,77 | 155.995,79 | 244.404,21 | 400.400,00 |
| 161 | 55.595,79 | 278,44 | 2.224,06 | 2.502,50 | 55.595,79 | 156.274,24 | 246.628,26 | 402.902,50 |
| 162 | 53.371,74 | 267,30 | 2.235,20 | 2.502,50 | 53.371,74 | 156.541,54 | 248.863,46 | 405.405,00 |
| 163 | 51.136,54 | 256,11 | 2.246,39 | 2.502,50 | 51.136,54 | 156.797,65 | 251.109,85 | 407.907,50 |
| 164 | 48.890,15 | 244,86 | 2.257,64 | 2.502,50 | 48.890,15 | 157.042,51 | 253.367,49 | 410.410,00 |
| 165 | 46.632,51 | 233,55 | 2.268,95 | 2.502,50 | 46.632,51 | 157.276,06 | 255.636,44 | 412.912,50 |
| 166 | 44.363,56 | 222,19 | 2.280,31 | 2.502,50 | 44.363,56 | 157.498,24 | 257.916,76 | 415.415,00 |
| 167 | 42.083,24 | 210,77 | 2.291,73 | 2.502,50 | 42.083,24 | 157.709,01 | 260.208,49 | 417.917,50 |
| 168 | 39.791,51 | 199,29 | 2.303,21 | 2.502,50 | 39.791,51 | 157.908,30 | 262.511,70 | 420.420,00 |
| 169 | 37.488,30 | 187,75 | 2.314,75 | 2.502,50 | 37.488,30 | 158.096,05 | 264.826,45 | 422.922,50 |
| 170 | 35.173,55 | 176,16 | 2.326,34 | 2.502,50 | 35.173,55 | 158.272,22 | 267.152,78 | 425.425,00 |
| 171 | 32.847,22 | 164,51 | 2.337,99 | 2.502,50 | 32.847,22 | 158.436,73 | 269.490,77 | 427.927,50 |
| 172 | 30.509,23 | 152,80 | 2.349,70 | 2.502,50 | 30.509,23 | 158.589,53 | 271.840,47 | 430.430,00 |
| 173 | 28.159,53 | 141,03 | 2.361,47 | 2.502,50 | 28.159,53 | 158.730,56 | 274.201,94 | 432.932,50 |
| 174 | 25.798,06 | 129,21 | 2.373,29 | 2.502,50 | 25.798,06 | 158.859,76 | 276.575,24 | 435.435,00 |
| 175 | 23.424,76 | 117,32 | 2.385,18 | 2.502,50 | 23.424,76 | 158.977,08 | 278.960,42 | 437.937,50 |
| 176 | 21.039,58 | 105,37 | 2.397,13 | 2.502,50 | 21.039,58 | 159.082,46 | 281.357,54 | 440.440,00 |
| 177 | 18.642,46 | 93,37 | 2.409,13 | 2.502,50 | 18.642,46 | 159.175,82 | 283.766,68 | 442.942,50 |
| 178 | 16.233,32 | 81,30 | 2.421,20 | 2.502,50 | 16.233,32 | 159.257,13 | 286.187,87 | 445.445,00 |
| 179 | 13.812,13 | 69,18 | 2.433,32 | 2.502,50 | 13.812,13 | 159.326,30 | 288.621,20 | 447.947,50 |
| 180 | 11.378,80 | 56,99 | 2.445,51 | 2.502,50 | 11.378,80 | 159.383,29 | 291.066,71 | 450.450,00 |
| 181 | 8.933,29 | 44,74 | 2.457,76 | 2.502,50 | 8.933,29 | 159.428,03 | 293.524,47 | 452.952,50 |
| 182 | 6.475,53 | 32,43 | 2.470,07 | 2.502,50 | 6.475,53 | 159.460,46 | 295.994,54 | 455.455,00 |
| 183 | 4.005,46 | 20,06 | 2.482,44 | 2.502,50 | 4.005,46 | 159.480,52 | 298.476,98 | 457.957,50 |
| 184 | 1.523,02 | 7,63 | 1.523,02 | 1.523,02 | 1.523,02 | 159.488,15 | 300.000,00 | 459.488,15 |
Stand der Daten: 17.06.2019
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
Wie wirkt sich die Wohnimmobilienkreditrichtlinie auf 100-Prozent-Finanzierungen aus?
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:
