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Die Schlagzeilen der vergangenen Woche waren alles andere als beruhigend. Und sie waren falsch. Denn während die Medien noch Panik verbreiten, ist die Realität bereits deutlich entspannter. 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Die Trendwende hat sogar bereits begonnen. ",[],{"type":1142,"text":1738,"spans":1739,"direction":1145},"Lag der durchschnittliche FMH-Index Bauzinsen Anfang Oktober noch bei 4,64 Prozent, sind wir heute bereits bei 4,46 Prozent - und ich halte es für durchaus wahrscheinlich, dass wir auf absehbare Zeit wieder 4,35 Prozent oder weniger sehen werden. ",[],{"type":1142,"text":1741,"spans":1742,"direction":1145},"Die Ursache dieser Entwicklung liegt in der Überlegung von Investoren, die Staatsanleihen kaufen wollen. Deutschland hat im Vergleich zu anderen großen Staaten eine relativ geringe Staatsverschuldung. Auch die Wirtschaftsprognosen sehen wieder deutlich erfreulicher aus, als noch im Frühjahr. All das – und die positiven Erfahrungen, die Investoren während anderer Krisen gemacht haben, machen deutsche Staatsanleihen wieder attraktiver. Die Nachfrage steigt – und die Renditen sinken.",[1743],{"start":1744,"end":1745,"type":1714,"data":1746},201,292,{"link_type":49,"url":1747,"target":52},"https:\u002F\u002Fwww.n-tv.de\u002Fwirtschaft\u002FDIW-hebt-Wachstumsprognose-fuer-deutsche-Wirtschaft-deutlich-an-id31261289.html",{"type":1142,"text":1749,"spans":1750,"direction":1145},"Zur Erinnerung. Als die griechische Staatsschuldenkrise die EU fest im Griff hatte, profitierte Deutschland als Ankerstaat, während viele andere Staaten stark unter dem schwindenden Vertrauen der Investoren gelitten haben. ",[],{"type":1142,"text":1752,"spans":1753,"direction":1145},"Auch in der momentanen Situation könnte Deutschland wieder der Einäugige unter den Blinden sein. ",[],{"type":1508,"text":1755,"spans":1756,"direction":1145},"Veränderte Rahmenbedingungen führen zu angepassten Prognosen",[],{"type":1142,"text":1758,"spans":1759,"direction":1145},"Zugegeben. Auch ich bin habe die Bauzinsen vor einigen Wochen noch auf dem Weg Richtung fünf Prozent gesehen und nicht mehr, wie jetzt, auf 3,5 Prozent gehofft. Seitdem ist das Vertrauen in den deutschen Staat aber wieder gewachsen. Und die anderen G7 Länder haben aktuell deutlich größere Probleme mit ihrer Staatsverschuldung.",[],{"type":1142,"text":1761,"spans":1762,"direction":1145},"Hinzu kommt, dass an den Finanzmärkten die Sorge vor einer KI-Blase wächst. Wenn man bedenkt, dass die fünf größten Tech-Unternehmen in 2027 etwa 1,3 Billionen Dollar investieren wollen, können schön Zweifel aufkommen, ob ein solches Volumen noch gesund ist. Auch das könnte den einen oder anderen Großinvestor dazu bewegen, lieber wieder die sichere deutsche Bundesanleihe zu kaufen als wesentlich riskantere Unternehmensanleihen.",[],{"type":1142,"text":1764,"spans":1765,"direction":1145},"Angesichts dieser neuen Rahmenbedingungen ist es an der Zeit, die veralteten Prognosen zu korrigieren. Ich habe dazu Thomas Ruf, den Geschäftsführer von Freie Finanzierer München gefragt, wie er die Zinsentwicklung einschätzt. Seine Aussage: „Nicht nur, weil ich an einem den teuersten Immobilienmarktplätze der Republik arbeite, seit einigen Wochen ist der Immobilienmarkt München ins Stocken geraten und es bleibt die Hoffnung, dass schon stagnierende Zinsen die Nachfrage wieder etwas ansteigen lassen.“ ",[1766],{"start":1767,"end":1768,"type":1714,"data":1769},117,127,{"link_type":49,"url":1770,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fvermittler\u002Fthomas-ruf",{"type":1142,"text":1772,"spans":1773,"direction":1145},"Diese Einschätzung teilen auch wir bei der FMH und gehen aktuell davon aus, dass wir die Spitze der Bauzinsen erstmal erreicht haben und in den kommen Wochen sogar mit weiter leicht fallenden Werten rechnen können. ",[],{"type":1142,"text":1721,"spans":1775,"direction":1145},[],{"type":1777,"oembed":1778},"embed",{"embed_url":1779,"type":1780,"version":1781,"provider_name":1782,"thumbnail_url":1779,"html":1783,"url":1779},"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002F09fb1a5c-f759-4ac7-a954-f7636655aa8f\u002F","rich","1.0","static_image","\u003Cdiv data-type=\"static_image\">\u003Cimg src=\"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002F09fb1a5c-f759-4ac7-a954-f7636655aa8f\u002F\">\u003C\u002Fdiv>",{"type":1142,"text":1721,"spans":1785,"direction":1145},[],{"type":1142,"text":1787,"spans":1788,"direction":1145},"Bereit für einen neuen Anlauf bei der Immobiliensuche? Planen Sie dafür etwa vier bis sechs Monate ein. Einen Überblick über günstige Bauzinsen bekommen Sie schon jetzt mit unserem Bauzinsvergleich. Sie möchten Ihre Finanzierung lieber persönlich besprechen? Wir helfen Ihnen gerne, einen ausgezeichneten Baufinanzierungsvermittler zu finden.",[1789,1794],{"start":1790,"end":1791,"type":1714,"data":1792},181,197,{"id":558,"type":107,"tags":1793,"lang":13,"slug":110,"first_publication_date":560,"last_publication_date":561,"uid":562,"url":563,"link_type":43,"isBroken":45},[109],{"start":1795,"end":1796,"type":1714,"data":1797},289,331,{"id":578,"type":579,"tags":1798,"lang":13,"slug":581,"first_publication_date":582,"last_publication_date":583,"url":584,"link_type":43,"isBroken":45},[],{"type":1142,"text":1721,"spans":1800,"direction":1145},[],"Bauzinsentwicklung für 10 Jahre fest","text_block$d5ca4c97-9500-42f5-ad68-a0cdb8bf1232","Bauzinsen sinken: Warum sich die Lage entspannt | FMH","Trotz alarmierender Schlagzeilen sinken die Bauzinsen. FMH erklärt die Hintergründe und zeigt, was für weiter fallende Zinsen spricht.",{"dimensions":1806,"alt":1475,"copyright":1476,"url":1809,"id":1478,"edit":1810},{"width":1807,"height":1808},2400,1260,"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FPWBsBqYMCjnC_Dsc_Mehrere-Kraehne-Skyline.jpg?auto=format,compress&rect=0,85,1200,630&w=2400&h=1260",{"x":24,"y":1811,"zoom":25,"background":26},85,{"id":1813,"uid":1436,"url":1814,"type":319,"href":1815,"tags":1816,"first_publication_date":1817,"last_publication_date":1818,"slugs":1819,"linked_documents":1821,"lang":13,"alternate_languages":1822,"data":1823},"as-GsBEAACoAeJUA","\u002Fartikel\u002Faltersvorsorgedepot-endlich-mehr-chancen-furs-alter","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=auy8GBIAACwAt1h7&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22as-GsBEAACoAeJUA%22%29+%5D%5D",[],"2026-10-14T14:56:22+0000","2026-10-16T09:18:57+0000",[1820],"endlich-mehr-chancen-furs-alter",[],[],{"publication_date":1824,"last_edit_date":1824,"set_last_edit_date_today":45,"title":1825,"subtitle":1826,"breadcrumb_title":5,"topic":1827,"teaser":1834,"author":1838,"cover":1845,"cover_position":1480,"table_of_content":1481,"toc_calculator":1482,"toc_selection":1483,"carousel_topic_filter":1854,"slices":1857,"meta_title":2012,"meta_description":2013,"meta_image":2014,"meta_indexed":1112},"2026-10-14","Altersvorsorgedepot: Die wichtigsten Infos zur neuen, staatlich geförderten Kapitalrente","Ab 2027 soll das Altersvorsorgedepot die private Vorsorge stärken. Förderung, Chancen und Risiken – verständlich erklärt, auch ohne Börsenerfahrung.",{"id":1828,"type":1454,"tags":1829,"lang":13,"slug":1830,"first_publication_date":1831,"last_publication_date":1832,"uid":1830,"link_type":43,"key":1833,"isBroken":45},"aPDkshIAACIAaSPt",[],"geld-anlegen","2025-10-16T12:27:50+0000","2025-10-24T10:11:56+0000","33a0351f-12d1-4305-9916-5ba4a22b97fc",[1835],{"type":1142,"text":1836,"spans":1837,"direction":1145},"Ab 2027 soll das Altersvorsorgedepot die private Vorsorge attraktiver machen: mit Fonds, ETFs und staatlichen Zuschüssen. Das eröffnet neue Möglichkeiten, die längst überfällig erscheinen. Entscheidend für den Erfolg wird aber sein, ob davon auch Menschen profitieren, die bisher wenig mit der Börse zu tun hatten. Wir wollen unseren Beitrag dazu leisten, auch Börsenneulingen den Zugang zum Kapitalmarkt zu erleichtern.",[],{"id":1839,"type":1465,"tags":1840,"lang":13,"slug":1841,"first_publication_date":1842,"last_publication_date":1842,"uid":1843,"link_type":43,"key":1844,"isBroken":45},"aru92BIAACsA5kEA",[],"carlos-lopes-da-costa","2026-09-29T13:33:56+0000","carlos-lopes-da-ccosta","b0484330-f724-44c3-ac07-efd4d1fb710f",{"dimensions":1846,"alt":1849,"copyright":1850,"url":1851,"id":1852,"edit":1853},{"width":1847,"height":1848},1500,1000,"Senior Männer mit lustigen Sonnenbrillen trinken Saft","Jacob Lund, shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002Fy9_TzIa2tDJM7HTZ_SeniorM%C3%A4nnermitlustigenSonnenbrillentrinkenSaft.jpg?auto=format,compress","y9_TzIa2tDJM7HTZ",{"x":24,"y":24,"zoom":25,"background":26},{"id":1828,"type":1454,"tags":1855,"lang":13,"slug":1830,"first_publication_date":1831,"last_publication_date":1832,"uid":1830,"link_type":43,"key":1856,"isBroken":45},[],"3333668b-8d93-4604-af65-2e6f1bd60b21",[1858,1954,1967],{"variation":1022,"version":1023,"items":1859,"primary":1860,"id":1953,"slice_type":1518,"slice_label":5},[],{"text":1861,"chart_alt":5},[1862,1866,1869,1872,1875,1877,1880,1883,1886,1889,1892,1895,1904,1912,1928,1936,1938,1941,1944,1947,1950],{"type":1863,"text":1864,"spans":1865,"direction":1145},"heading2","Endlich mehr Chancen fürs Alter ",[],{"type":1142,"text":1867,"spans":1868,"direction":1145},"Besser spät als nie. Auch wenn kein Geringerer als Bundeskanzler Friedrich Merz gerade eingeräumt hat, dass man mit der neuen Kapitalrente 30 Jahre früher hätte beginnen können – ab nächstem Jahr fördert der Staat private Sparen ohne verpflichtende Kapitalgarantie: über das neue Altersvorsorgedepot. Neue Produkte sollen ab dem 1. Januar 2027 angeboten werden.",[],{"type":1142,"text":1870,"spans":1871,"direction":1145},"Angesichts der demographischen Herausforderungen, vor denen umlagefinanzierte Rentensysteme stehen, ist dieser Schritt ausgesprochen sinnvoll. Denn Garantien schaffen zwar Planungssicherheit, zugleich begrenzen sie aber den Spielraum für renditeorientierte Anlagen, die naturgemäß auch mit dem Risiko von (vorübergehenden) Verlusten verbunden sind. Wer Geld fürs Alter anspart, hat aber meist einen Anlagehorizont, der lang genug ist, um solche Phasen unbeschadet zu überstehen. ",[],{"type":1142,"text":1873,"spans":1874,"direction":1145},"Damit ist zugleich gesagt, dass die neue Kapitalrente für die junge Generation deutlich attraktiver ist als für rentennahe Jahrgänge. Denn Zeit lässt sich beim Vermögensaufbau nicht nachliefern. ",[],{"type":1142,"text":1721,"spans":1876,"direction":1145},[],{"type":1863,"text":1878,"spans":1879,"direction":1145},"Mehr Möglichkeiten und mehr Eigenverantwortung ",[],{"type":1142,"text":1881,"spans":1882,"direction":1145},"Seit der Jahrtausendwende wirbt die Politik intensiv dafür, neben der gesetzlichen auch in die private Altersvorsorge zu investieren. Das Altersvorsorgedepot schafft dafür einen neuen, zeitgemäßen Rahmen: Sparer können stärker am Kapitalmarkt investieren und erhalten dabei Unterstützung vom Staat. Die Aussicht auf höhere Erträge ist gerade bei einer langen Ansparzeit ein guter Grund, sich mit dem Angebot zu beschäftigen. ",[],{"type":1142,"text":1884,"spans":1885,"direction":1145},"Mehr Wahlfreiheit bedeutet allerdings auch, dass Anleger Entscheidungen treffen müssen: Welcher Anbieter passt am besten zu mir? Wie hoch sind die Kosten eines Altersvorsorgedepot? Welche Schwankungen kann oder will ich aushalten?  ",[],{"type":1142,"text":1887,"spans":1888,"direction":1145},"Diese – und viele weitere - Fragen verdienen verständliche Antworten. ",[],{"type":1508,"text":1890,"spans":1891,"direction":1145},"Ist ein Einstieg auch ohne Börsenerfahrung möglich? ",[],{"type":1142,"text":1893,"spans":1894,"direction":1145},"Auf jeden Fall. Wer bisher auf dem Sparkonto gespart hat, sollte sich aber zunächst mit einigen neuen Begriffen vertraut machen, die im Zusammenhang mit dem neuen Altersvorsorgedepot begegnen können.  ",[],{"type":1896,"text":1897,"spans":1898,"direction":1145},"list-item","Ein ETF (Exchange Traded Fund) ist ein börsengehandelter Fonds, der meist einen bestimmten Börsenindex nachbildet. Ein weltweit gestreuter Aktien-ETF verteilt das Geld also auf viele Unternehmen. Das reduziert die Abhängigkeit von Einzeltiteln und damit der Performance einzelner Unternehmen. Verluste – etwa während großer Wirtschaftskrisen – bleiben aber möglich.  ",[1899,1901],{"start":1110,"end":1900,"type":1538},7,{"start":1902,"end":1903,"type":1538},102,103,{"type":1896,"text":1905,"spans":1906,"direction":1145},"Ein Sparplan ist – grob vereinfacht – eine Art Dauerauftrag für den Kapitalmarkt. Kunden investieren dabei jeden Monat einen bestimmten Betrag in bestimmte Wertpapiere oder Fonds. Auch hier kann der Wert der angesparten Summe zwischenzeitlich sinken. Da das Geld allerdings langfristig angelegt wird, stehen die Chancen gut, am Ende der Laufzeit besser abzuschneiden als mit festverzinslichen Anlagen.  ",[1907,1911],{"start":1110,"end":1908,"type":1714,"data":1909},12,{"id":151,"type":107,"tags":1910,"lang":13,"slug":131,"first_publication_date":153,"last_publication_date":154,"uid":155,"url":156,"link_type":43,"isBroken":45},[109],{"start":1110,"end":1908,"type":1538},{"type":1896,"text":1913,"spans":1914,"direction":1145},"Für Neulinge am Kapitalmarkt, die ihre Risiken zumindest begrenzen wollen, kann auch eine Entscheidung für das Standarddepot sinnvoll sein. Der Begriff bezeichnet eine etwas sicherheitsorientiertere Version des Altersvorsorgedepots. Wer die Anlagen für das Altersvorsorgedepot nicht zusammenzustellen kann oder will, kann sich für dieses besonders einfach gestaltete Produkt mit weitgehend vorgegebenen Einstellungen entscheiden. Verständliche Informationen zu Kosten und Risiken bleiben aber auch hier wichtig.",[1915,1920,1922,1925],{"start":1916,"end":1917,"type":1714,"data":1918},111,124,{"id":141,"type":107,"tags":1919,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],{"start":1916,"end":1921,"type":1538},125,{"start":1923,"end":1924,"type":1538},138,140,{"start":1926,"end":1927,"type":1538},167,168,{"type":1142,"text":1929,"spans":1930,"direction":1145},"Mehr erfahren Sie in unserer Übersicht zum Altersvorsorgedepot. ",[1931],{"start":1932,"end":1933,"type":1714,"data":1934},29,62,{"id":173,"type":107,"tags":1935,"lang":13,"slug":110,"first_publication_date":175,"last_publication_date":176,"uid":177,"url":178,"link_type":43,"isBroken":45},[],{"type":1142,"text":1721,"spans":1937,"direction":1145},[],{"type":1863,"text":1939,"spans":1940,"direction":1145},"Wie profitieren Sparer von der staatlichen Förderung? ",[],{"type":1142,"text":1942,"spans":1943,"direction":1145},"Die höchsten staatlichen Förderungen erhalten Sparer, die einen Eigenbetrag von 1.800 Euro pro Jahr fürs Alter aufbringen. Das entspricht einer monatlichen Sparrate von 150 Euro. Wer so viel investiert, erhält in jedem Fall die Grundzulage von 540 Euro, so dass am Ende 2.340 Euro pro Jahr für die Vorsorge zusammenkommen.",[],{"type":1142,"text":1945,"spans":1946,"direction":1145},"Welche Summen langfristig realisierbar sind, verdeutlicht dieses vereinfachte Beispiel: Eine förderberechtigte Person eröffnet 2027 mit 25 Jahren ein Altersvorsorgedepot und spart 42 Jahre bis zum 67. Geburtstag. Bei 1.800 Euro Eigenbeitrag pro Jahr und angenommenen fünf Prozent Rendite nach Kosten entstehen rechnerisch rund 243.000 Euro ohne Zulage. Mit jährlich 540 Euro Grundzulage wären es rund 316.000 Euro. Dieser Betrag muss nach den dann geltenden Regeln zwar versteuert werden. Dennoch zeigt das Beispiel, was mit dem Altersvorsorgedepot möglich ist. ",[],{"type":1142,"text":1948,"spans":1949,"direction":1145},"Wer Nachwuchs hat, kann zusätzlich nochmal bis zu 300 Euro pro Kinder erhalten. Diesen Höchstbetrag gibt es aber erst ab 300 Euro Eigenleistung pro Sprössling und Jahr.",[],{"type":1142,"text":1951,"spans":1952,"direction":1145},"Wichtig: Sowohl die Beiträge als auch die Zulagen werden in unserer Beispielsrechnung jeweils zum Jahresende angelegt; die Förderung bleibt unverändert. Die Rechnung zeigt den Zulageneffekt bei einer angenommenen Rendite, keinen vollständigen Vergleich mit einem normalen Depot. Die Zuschüsse erhöhen den Anlagebetrag, nicht die Börsenrendite.",[],"text_block$d1528723-9ab8-45ae-a7a6-074e14ce749d",{"variation":1022,"version":1023,"items":1955,"primary":1956,"id":1965,"slice_type":1966,"slice_label":5},[],{"image":1957,"image_url":5,"caption":1964},{"dimensions":1958,"alt":1960,"copyright":5,"url":1961,"id":1962,"edit":1963},{"width":1848,"height":1959},566,"Vorsorgedepot: Grafik zum Verlauf der Rendite - mit und ohne Zulage","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FwKc0kZadQ6C-bN8d_GrafikAltersvorsorgedepotwirkung.jpg?auto=format,compress","wKc0kZadQ6C-bN8d",{"x":24,"y":24,"zoom":25,"background":26},[],"image$1aba26bb-4815-42dc-b041-2f2002180c1f","image",{"variation":1022,"version":1023,"items":1968,"primary":1969,"id":2011,"slice_type":1518,"slice_label":5},[],{"text":1970,"chart_alt":5},[1971,1974,1977,1980,1983,1986,1989,2002,2005,2008],{"type":1863,"text":1972,"spans":1973,"direction":1145},"Was passiert mit der Riester-Rente, wenn das Altersvorsorgedepot kommt? ",[],{"type":1142,"text":1975,"spans":1976,"direction":1145},"Bestehende Riester-Verträge werden nicht automatisch beendet oder umgewandelt. Sie können Ihren Vertrag mit der bisherigen Förderung weiter besparen oder ihn beitragsfrei stellen, ohne dass bereits erhaltene Zulagen verloren gehen.",[],{"type":1142,"text":1978,"spans":1979,"direction":1145},"Ab 2027 können Sie Ihr Guthaben auch direkt in ein Altersvorsorgedepot übertragen, ohne die bisherige Förderung zurückzahlen zu müssen. Sollten Sie mit dieser Option liebäugeln, prüfen Sie vorher unbedingt die Kosten und Garantien Ihres Anbieters, um Verluste zu vermeiden.  ",[],{"type":1142,"text":1981,"spans":1982,"direction":1145},"Alternativ gibt es auch die Möglichkeit, den Riester-Vertrag zu behalten und nur zur neuen staatlichen Förderung wechseln. Auch ein solches Vorgehen ist aber nicht immer lukrativ. Verbraucherschützer empfehlen daher, sich im Vorfeld beraten zu lassen. zumal der Wechsel in die neue Fördersystematik grundsätzlich alle Riester-Verträge eines Kunden betrifft und sich nicht rückgängig machen lässt.",[],{"type":1142,"text":1984,"spans":1985,"direction":1145},"Vorsicht: Eine vorzeitige Auszahlung der Riesterrente zur freien Verwendung kostet Sie alle bis dahin erhaltene Fördermittel. Sie müssen also Zulagen und Steuervorteile zurückzahlen. Kosten und Steuern auf Erträge können den Auszahlungsbetrag zusätzlich mindern. Bitten Sie Ihren Anbieter daher vor einer Kündigung unbedingt, Ihnen den voraussichtlichen Auszahlungsbetrag zu nennen und dabei alle Abzüge zu berücksichtigen. Bedenken Sie zudem, dass auf die Erträge Steuern anfallen können. Eine Verbraucherzentrale kann Sie bei der Entscheidung für oder gegen die vorzeitige Kündigung ihres Vertrages unabhängig beraten.",[],{"type":1863,"text":1987,"spans":1988,"direction":1145},"Wo finden Interessenten die besten Anbieter? ",[],{"type":1142,"text":1990,"spans":1991,"direction":1145},"Ob ein Anbieter überzeugt, hängt auch von seinen Kosten ab. Mit dem FMH-Fondsrenditerechner können Sie deren Wirkung durchspielen. Für flexiblen Vermögensaufbau bietet der FMH-Depotvergleich Orientierung. Wichtig ist es allerdings, sich noch einmal die Unterschiede zwischen einem herkömmlichen und dem Altersvorsorgedepot vor Augen führen:  ",[1992,1997],{"start":1993,"end":1994,"type":1714,"data":1995},68,91,{"id":248,"type":107,"tags":1996,"lang":13,"slug":250,"first_publication_date":251,"last_publication_date":252,"uid":253,"url":254,"link_type":43,"isBroken":45},[],{"start":1998,"end":1999,"type":1714,"data":2000},172,190,{"id":141,"type":107,"tags":2001,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],{"type":1142,"text":2003,"spans":2004,"direction":1145},"Fürs normale Depot gibt es keine Zulagen und es gelten andere Steuerregeln. Im Altersvorsorgedepot bleiben Erträge und Wertsteigerungen während der Ansparphase steuerfrei. Die späteren Auszahlungen aus dem geförderten Kapital sind dagegen vollständig mit Ihrem persönlichen Einkommensteuersatz zu versteuern – einschließlich der eingezahlten Beiträge und Zulagen. Zudem können Sparer bis zur Rente nicht auf ihr Geld zugreifen – es sei denn, sie zahlen die Förderung und Steuervorteile zurück.  ",[],{"type":1142,"text":2006,"spans":2007,"direction":1145},"Im Gegensatz dazu fällt im normalen Depot auf alle Erträge sofort die Abgeltungsteuer in Höhe von 25 Prozent. Hinzu kommen 5,5 Prozent Solidaritätszuschlag und ggfls. die Kirchensteuer. Dafür haben Sie jederzeit Zugriff auf Ihr Geld. ",[],{"type":1142,"text":2009,"spans":2010,"direction":1145},"Fazit: Das Altersvorsorgedepot kann die private Vorsorge verbessern, vor allem für Beschäftigte, die noch viel Zeit bis zur Rente und somit einen langen Anlagehorizont haben. Umso wichtiger ist jetzt, dass auch Menschen ohne Börsenerfahrung das neue Angebot verstehen. Wir von der FMH wollen dazu unseren Beitrag leisten. Denn nur so kann aus mehr Eigenverantwortung tatsächlich mehr Handlungsspielraum für die Rente werden. \n ",[],"text_block$12604a7f-7f69-40aa-88bb-d920aa2860b5","Altersvorsorgedepot ab 2027: Chancen & Förderung | FMH","Das Altersvorsorgedepot ab 2027 verständlich erklärt: staatliche Förderung, ETFs, Kosten und Risiken. Was Börsenneulinge und Riester-Sparer wissen sollten.",{"dimensions":2015,"alt":1849,"copyright":1850,"url":2016,"id":1852,"edit":2017},{"width":1807,"height":1808},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002Fy9_TzIa2tDJM7HTZ_SeniorM%C3%A4nnermitlustigenSonnenbrillentrinkenSaft.jpg?auto=format,compress&rect=0,106,1500,788&w=2400&h=1260",{"x":24,"y":2018,"zoom":25,"background":26},106,{"id":546,"uid":551,"url":552,"type":319,"href":2020,"tags":2021,"first_publication_date":549,"last_publication_date":550,"slugs":2022,"linked_documents":2023,"lang":13,"alternate_languages":2024,"data":2025},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=auy8GBIAACwAt1h7&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22artoJhIAACsA5ZTk%22%29+%5D%5D",[],[548],[],[],{"publication_date":2026,"last_edit_date":2026,"set_last_edit_date_today":45,"title":2027,"subtitle":5,"breadcrumb_title":5,"topic":2028,"teaser":2036,"author":2040,"cover":2043,"cover_position":1480,"table_of_content":1481,"toc_calculator":1482,"toc_selection":1483,"carousel_topic_filter":2049,"slices":2052,"meta_title":2125,"meta_description":2126,"meta_image":2127,"meta_indexed":1112},"2026-09-29","Nur Bargeld, bitte! Warum Kartenzahlung in Deutschland noch immer nicht überall funktioniert",{"id":2029,"type":1454,"tags":2030,"lang":13,"slug":2031,"first_publication_date":2032,"last_publication_date":2033,"uid":2034,"link_type":43,"key":2035,"isBroken":45},"aPDk8xIAACAAaSR6",[],"konto--karte","2025-10-16T12:28:58+0000","2025-10-24T10:12:13+0000","konto-karte","238f288f-c3de-41c3-8b5d-c5d9a10bf23d",[2037],{"type":1142,"text":2038,"spans":2039,"direction":1145},"Das Essen ist vorbei, die Rechnung kommt – und plötzlich ist das Kartengerät „kaputt“. Warum manche Restaurants und Geschäfte keine Karten annehmen, was sie das Bezahlen tatsächlich kostet und ob sich die Regeln bald ändern.",[],{"id":1839,"type":1465,"tags":2041,"lang":13,"slug":1841,"first_publication_date":1842,"last_publication_date":1842,"uid":1843,"link_type":43,"key":2042,"isBroken":45},[],"1c9935dd-4ec6-4ac6-846c-189825710074",{"dimensions":2044,"alt":2045,"copyright":5,"url":2046,"id":2047,"edit":2048},{"width":1847,"height":1848},"Frau in orangefarbenem Rollkragenpullover hält eine graue Karte vor violettem Hintergrund","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FBERYGxHh11u_Msg9_FrauinorangefarbenemRollkragenpullover.jpg?auto=format,compress","BERYGxHh11u_Msg9",{"x":24,"y":24,"zoom":25,"background":26},{"id":2029,"type":1454,"tags":2050,"lang":13,"slug":2031,"first_publication_date":2032,"last_publication_date":2033,"uid":2034,"link_type":43,"key":2051,"isBroken":45},[],"f6e7dbd2-11ce-48c6-82a1-72bafb3c6606",[2053],{"variation":1022,"version":1023,"items":2054,"primary":2055,"id":2124,"slice_type":1518,"slice_label":5},[],{"text":2056,"chart_alt":5},[2057,2060,2067,2070,2072,2075,2078,2086,2089,2091,2094,2097,2104,2107,2110,2112,2115,2118,2121],{"type":1142,"text":2058,"spans":2059,"direction":1145},"Ein schöner Abend im Restaurant. Das Essen war sehr gut, die Rechnung ist da. Doch als Sie Ihre Karte zücken, sagt die Bedienung: „Heute nur in bar.“ Jetzt können Sie nur hoffen, dass der nächste Geldautomat in der Nähe ist. ",[],{"type":1142,"text":2061,"spans":2062,"direction":1145},"Solche Situationen wirken wie aus der Zeit gefallen. Schließlich bezahlen die Menschen in Deutschland inzwischen häufiger bargeldlos als mit Scheinen und Münzen. Laut Bundesbank wurden 2025 bereits 55 Prozent der erfassten Einkäufe ohne Bargeld beglichen. Trotzdem war bei rund 10 Prozent der aufgezeichneten Käufe vor Ort keine bargeldlose Zahlung möglich. ",[2063],{"start":1926,"end":2064,"type":1714,"data":2065},177,{"link_type":49,"url":2066,"target":52},"https:\u002F\u002Fwww.bundesbank.de\u002Fde\u002Fpresse\u002Fpressemitteilungen\u002Fzahlungsverhalten-in-deutschland-2025-964736",{"type":1142,"text":2068,"spans":2069,"direction":1145},"Warum hält sich „nur Bargeld“, vor allem in Deutschland, so hartnäckig? ",[],{"type":1142,"text":1721,"spans":2071,"direction":1145},[],{"type":1863,"text":2073,"spans":2074,"direction":1145},"Kartenzahlung kostet ",[],{"type":1142,"text":2076,"spans":2077,"direction":1145},"Für ein Restaurant ist die Kartenzahlung keine kostenlose Dienstleistung. Je nach Kartenart und Karteninstitut fallen unterschiedliche Gebühren für einzelne Zahlungen, Anteile am Rechnungsbetrag und Kosten für das Terminal an. Welche Karte der Gast verwendet, macht ebenfalls einen Unterschied: Eine Girocard ist für den Betrieb in der Regel günstiger als eine internationale Debit- oder Kreditkarte. ",[],{"type":1142,"text":2079,"spans":2080,"direction":1145},"Für Kunden lohnt sich ebenfalls ein Blick auf die verschiedenen Karten: Zum Girokonto gibt es je nach Bank unterschiedliche Karten, Gebühren und Möglichkeiten zum mobilen Bezahlen. Wer wissen möchte, welche Karte beim eigenen Konto enthalten ist und welche Alternativen es gibt, findet dies im Girokonto-Vergleich die passenden Angebote. ",[2081],{"start":2082,"end":2083,"type":1714,"data":2084},294,313,{"id":476,"type":107,"tags":2085,"lang":13,"slug":131,"first_publication_date":478,"last_publication_date":479,"uid":480,"url":481,"link_type":43,"isBroken":45},[109],{"type":1142,"text":2087,"spans":2088,"direction":1145},"Gerade für kleine Läden und Betriebe können Gebühren und die Technik dennoch ein Grund sein, bei Bargeld zu bleiben. Dazu kommen eingespielte Abläufe oder die Sorge, bei einer Störung des Terminals nicht kassieren zu können. Aber auch die steuerliche Nachvollziehbarkeit der Umsätze kann ein Grund sein, Barzahlungen zu bevorzugen. Und ja: Manchmal ist das Gerät tatsächlich kaputt. Ob das immer so stimmt, können Gäste natürlich nicht beurteilen. Ärgerlich ist es immer dann, wenn man sich vorher im Internet schlau gemacht hat, dass Kartenzahlungen angeboten werden, diese jedoch dann nicht möglich sind. ",[],{"type":1142,"text":1721,"spans":2090,"direction":1145},[],{"type":1863,"text":2092,"spans":2093,"direction":1145},"Hilft das Handy, wenn keine Karte angenommen wird? ",[],{"type":1142,"text":2095,"spans":2096,"direction":1145},"Wer seine Karte mit Apple Pay oder Google Pay verknüpft hat, braucht die Bezahlkarte zum Bezahlen nicht mehr aus der Tasche zu holen. Im Restaurant löst das aber nur ein Problem: das Vergessen der Karte. Bezahlt wird weiterhin über die hinterlegte Karte. Dafür muss der Betrieb kontaktlose Zahlungen mit dieser Karte akzeptieren. Wo grundsätzlich keine Kartenzahlung möglich ist, hilft deshalb auch das Smartphone beim Versuch zu bezahlen am Terminal nicht weiter. ",[],{"type":1142,"text":2098,"spans":2099,"direction":1145}," Unser Tipp: Wenn Sie die richtige Karte für sich finden möchten, hilft Ihnen unser Kreditkarten-Vergleich bei der Auswahl. ",[2100],{"start":2101,"end":2018,"type":1714,"data":2102},84,{"id":512,"type":107,"tags":2103,"lang":13,"slug":110,"first_publication_date":514,"last_publication_date":515,"uid":516,"url":517,"link_type":43,"isBroken":45},[109],{"type":1142,"text":2105,"spans":2106,"direction":1145},"Bei PayPal funktioniert das Bezahlen vor Ort anders. Betriebe können beispielsweise einen PayPal-QR-Code anbieten, den Gäste mit dem Smartphone scannen. Dafür benötigen sie kein klassisches Kartenterminal. Kostenlos ist diese Lösung für den Betrieb allerdings ebenfalls nicht: PayPal berechnet Gebühren für geschäftliche Zahlungen per QR-Code. Und ohne ein entsprechendes Angebot des Restaurants lässt sich die Rechnung auch mit einer installierten PayPal-App nicht einfach auf diesem Weg begleichen. ",[],{"type":1142,"text":2108,"spans":2109,"direction":1145},"Das Smartphone eröffnet also zusätzliche Wege zum Bezahlen. Ob einer davon am Ende des Restaurantbesuchs funktioniert, entscheidet aber weiterhin das angebotene Zahlverfahren. ",[],{"type":1142,"text":1721,"spans":2111,"direction":1145},[],{"type":1863,"text":2113,"spans":2114,"direction":1145},"Muss bald jedes Restaurant Karten akzeptieren? ",[],{"type":1142,"text":2116,"spans":2117,"direction":1145},"Bislang müssen Restaurants und Geschäfte keine Kartenzahlung anbieten. Die Bundesregierung möchte das ändern: Beim Bezahlen im Alltag sollen grundsätzlich weiterhin Bargeld und zusätzlich mindestens eine digitale Zahlungsoption möglich sein. Nach dem von der Deutschen Presse-Agentur beschriebenen Vorhaben des Bundesfinanzministeriums soll eine Regelung 2027 umgesetzt werden. Beschlossen ist eine solche Pflicht bislang nicht. Auch wie sie genau aussehen und welche Ausnahmen es geben könnte, ist noch offen. ",[],{"type":1142,"text":2119,"spans":2120,"direction":1145},"Bargeld bleibt für viele Menschen wichtig, etwa weil sie ihre Ausgaben so besser im Blick behalten oder digitale Verfahren, einfach aus Gründen der Kunden-Transparenz, nicht nutzen möchten. 80 Prozent der von der Bundesbank Befragten halten es für wichtig, dass sie weiterhin bar bezahlen können. ",[],{"type":1142,"text":2122,"spans":2123,"direction":1145},"Ob bar, mit Karte oder per Handy: Am Ende des Restaurantbesuchs oder der Einkauf beim Bäcker sollte die Bezahlfrage keine Überraschung sein. Bis sich die Regeln ändern, hilft Gästen vor allem ein kurzer Blick auf die angebotenen Zahlungsmittel – möglichst, bevor sie bestellen, sofern das Kartenzahlungsgerät nicht doch mal wieder „kaputt“ ist.",[],"text_block$88390422-ed49-443d-9634-54f1e08d9eeb","Kartenzahlung nicht möglich? Gründe, Kosten und neue Regeln","Nur Bargeld im Restaurant? Warum Betriebe Kartenzahlung ablehnen, was Bargeld und Karten kosten und welche neuen Regeln geplant sind.",{"dimensions":2128,"alt":2045,"copyright":5,"url":2129,"id":2047,"edit":2130},{"width":1807,"height":1808},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FBERYGxHh11u_Msg9_FrauinorangefarbenemRollkragenpullover.jpg?auto=format,compress&rect=0,106,1500,788&w=2400&h=1260",{"x":24,"y":2018,"zoom":25,"background":26},{"id":2132,"uid":1437,"url":2133,"type":319,"href":2134,"tags":2135,"first_publication_date":2136,"last_publication_date":2137,"slugs":2138,"linked_documents":2140,"lang":13,"alternate_languages":2141,"data":2142},"apqTQBIAACcA7zJt","\u002Fartikel\u002Fhausbank-award-2026","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=auy8GBIAACwAt1h7&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22apqTQBIAACcA7zJt%22%29+%5D%5D",[],"2026-09-04T10:08:03+0000","2026-10-16T09:24:36+0000",[2139],"so-haben-wir-getestet",[],[],{"publication_date":2143,"last_edit_date":2143,"set_last_edit_date_today":45,"title":2144,"subtitle":2145,"breadcrumb_title":5,"topic":2146,"teaser":2149,"author":2153,"cover":2156,"cover_position":1480,"table_of_content":2162,"toc_calculator":1482,"toc_selection":1483,"carousel_topic_filter":2163,"slices":2166,"meta_title":2229,"meta_description":2230,"meta_image":2231,"meta_indexed":1112},"2026-09-04","Hausbank-Award 2026: Das sind Deutschlands beste Hausbanken","Top-Anbieter für jede Stadt",{"id":2029,"type":1454,"tags":2147,"lang":13,"slug":2031,"first_publication_date":2032,"last_publication_date":2033,"uid":2034,"link_type":43,"key":2148,"isBroken":45},[],"caf81ee3-6ac2-45ef-9861-52ab84320202",[2150],{"type":1142,"text":2151,"spans":2152,"direction":1145},"Von Girokonto bis Hypothekendarlehen, von Tagesgeld bis Ratenkredit: Eine gute Hausbank begleitet Kunden langfristig in allen wichtigen Finanzfragen. Doch wo finden Interessenten eine Bank mit klarer regionaler Präsenz, transparenten Angeboten und attraktiven Konditionen? Wir haben genau hingeschaut.",[],{"id":1464,"type":1465,"tags":2154,"lang":13,"slug":1467,"first_publication_date":1468,"last_publication_date":1469,"uid":1467,"link_type":43,"key":2155,"isBroken":45},[],"90dc7382-c146-428d-b150-b4e06ef88107",{"dimensions":2157,"alt":2158,"copyright":5,"url":2159,"id":2160,"edit":2161},{"width":1473,"height":1474},"Glas Pokale Deutschlands BESTE Hausbanken 2026","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FKQsqePBu4v5AEjHF_Hausbank-Award-2026-Pokale.jpg?auto=format,compress","KQsqePBu4v5AEjHF",{"x":24,"y":24,"zoom":25,"background":26},"Always",{"id":2029,"type":1454,"tags":2164,"lang":13,"slug":2031,"first_publication_date":2032,"last_publication_date":2033,"uid":2034,"link_type":43,"key":2165,"isBroken":45},[],"41d8336d-4ffc-4b8f-b600-cf3f253e8b9f",[2167],{"variation":1022,"version":1023,"items":2168,"primary":2169,"id":2228,"slice_type":1518,"slice_label":5},[],{"text":2170,"chart_alt":5},[2171,2174,2177,2180,2183,2186,2189,2192,2195,2198,2201,2204,2207,2216,2219,2222,2225],{"type":1142,"text":2172,"spans":2173,"direction":1145},"Die ideale Kundenbeziehung beginnt mit der ersten Spardose am Weltspartag – und hält ein Leben lang. Irgendwann wird das Taschengeldkonto zum Gehaltskonto. Später kommen vielleicht Tages- oder Festgeldkonten sowie ein Depot dazu. Und wenn größere Anschaffungen anstehen, versorgt die Hausbank den langjährigen Kunden mit den passenden Krediten.",[],{"type":1142,"text":2175,"spans":2176,"direction":1145},"Zugegeben: Dieses Banken-Idyll mag im Jahr 2026 ein wenig überzeichnet sein. Doch eine gute Hausbank ist nach wie vor Gold wert: Die Berater dort kennen nicht nur die Kunden selbst, sondern auch deren Umfeld und können deshalb oft passgenauere Angebote machen, als Banken ohne diesen Hintergrund.",[],{"type":1142,"text":2178,"spans":2179,"direction":1145},"In enger Zusammenarbeit mit dem Handelsblatt hat die FMH-Finanzberatung daher zum zweiten Mal recherchiert und in 196 Städten die besten Hausbanken ausfindig gemacht.",[],{"type":1142,"text":2181,"spans":2182,"direction":1145},"Warum gerade 196 Städte?",[],{"type":1142,"text":2184,"spans":2185,"direction":1145},"Unser Ziel war es, alle Städte zu untersuchen die (Stand 2025) mindestens 50.000 Einwohner hatten. So kam eine Liste mit 196 Orten zustande – von Aachen bis Zwickau. Die größte Stadt auf der Liste war Berlin mit 3,9 Millionen Einwohnern. Zu den kleinsten gehörte mit gerade 50 000 Einwohnern Heidenheim an der Brenz – auch wenn das Städtchen dank seines Fußballvereins inzwischen bundesweite Bekanntheit erreicht hat.",[],{"type":1863,"text":2187,"spans":2188,"direction":1145},"So haben wir getestet",[],{"type":1142,"text":2190,"spans":2191,"direction":1145},"Eine große Herausforderung war es, einen Vergleichs-Schlüssel zu entwickeln, der die Metropole Berlin genauso bewertet wie eine kleine Fußballstadt auf der Schwäbischen Alb. So wäre es zum Beispiel zu kurz gedacht, wenn man die Anzahl der Filialen pro Einwohner in jeder Stadt gleich bewertet:  Denn in Flächenstädten benötigt man einfach mehr Filialen als in einer Großstadt wie Berlin oder München.",[],{"type":1142,"text":2193,"spans":2194,"direction":1145},"Auch sogenannte Mystery-Testings, bei denen sich geschulte Tester als Kunden ausgeben und auf Basis ihrer Erfahrungen eine Bewertung abgeben, wollten wir nicht zur Grundlage unseres Vergleichs machen.  Bei der Preisverleihung am 2. September betonte FMH-Chef Max Herbst noch einmal ganz klar: „Subjektive Testgrundlagen, die anschließend keiner mehr nachvollziehen kann, sind keine gute Basis für einen objektiven Vergleich.“",[],{"type":1142,"text":2196,"spans":2197,"direction":1145},"Und weil auch Schalter-Öffnungszeiten in Zeiten der Digitalisierung immer mehr an Bedeutung verlieren, legte die FMH bei der Bewertung der „Besten Hausbank“ den Fokus auf Zinsen und die Summe der Angebote. Ausgewertet wurden daher die Konditionen des Girokontos, die Tagesgeldzinsen für Bestandskunden, und Festgeldzinsen für drei verschiedene Laufzeiten. Positiv wirkte es sich aus, wenn die Bank auch Baufinanzierungen, Ratenkredite und Versicherungspakete anbietet. Eine etwas höhere Bewertung gab es zu kostengünstigen Depots.  ",[],{"type":1508,"text":2199,"spans":2200,"direction":1145},"Die passende Bank für jedes Alter",[],{"type":1142,"text":2202,"spans":2203,"direction":1145},"Weil sich die Ansprüche an eine Hausbank im Laufe des Lebens verändern, haben wir bei allen bewerteten Banken zudem die Bedingungen für „junge Erwachsene“ ausgewertet. Je nach Bank sind das die Kunden zwischen 18 und 25 bzw. 30 Jahren. In diesem Segment gewichteten wir statt der Festgeldanlagen das Investmentsparen und -anlegen wesentlich höher (mit fast 23 statt 4,5 Prozent der Gesamtpunktzahl). Ob Baufinanzierungen oder Ratenkredite angeboten werden, spielte in dieser Gruppe hingegen fast keine Rolle.",[],{"type":1142,"text":2205,"spans":2206,"direction":1145},"Da Geschäftsbanken selten auf regionale Besonderheiten reagieren und sich anpassen können, haben wir auch die bundesweiten Geschäftsbanken und 21 Direktbanken durchgecheckt. Es gab somit Geschäftsbanken, die auch regional ganz vorne dabei sind. Zudem untersuchten wir 21 Direktbanken ohne Bewertung der Kundennähe, ansonsten mit gleichen Produkten und Bewertung.",[],{"type":1142,"text":2208,"spans":2209,"direction":1145},"Die Ergebnisse unserer Untersuchung finden Sie hier.",[2210,2215],{"start":2211,"end":2212,"type":1714,"data":2213},47,51,{"link_type":49,"url":2214,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fhausbank-award\u002F2026",{"start":2211,"end":2212,"type":1538},{"type":1508,"text":2217,"spans":2218,"direction":1145},"Wir freuen uns über die Relevanz unseres Awards",[],{"type":1142,"text":2220,"spans":2221,"direction":1145},"Die Auszeichnung als „Beste Hausbank“ ist noch relativ jung, doch sie ist jetzt schon relevant. Auf der Preisverleihung in Frankfurt gaben etliche der bereits im vergangenen Jahr prämierten Institute an, die Auszeichnung wieder für die Neukundengewinnung und für ein gutes Gefühl bei den Bestandskunden zu nutzen.",[],{"type":1142,"text":2223,"spans":2224,"direction":1145},"Dieser Erfolg macht uns ein bisschen stolz, denn er belegt: Es hat sich gelohnt, eine auf fast 200 Regionen bezogene unabhängige Untersuchung auf die Beine zu stellen – auch wenn der Aufwand immens war: Insgesamt werteten wir für den Vergleich mehr als 12.000 unterschiedlichen Informationen aus. Das war nur möglich, weil wir etwa zwei Drittel der Banken und ihre Bedingungen bereits in unserer Datenbank haben.",[],{"type":1142,"text":2226,"spans":2227,"direction":1145},"Und weil wir nicht nur bei den getesteten Banken transparente Angebote verlangen, legen auch wir unsere Ergebnisse gerne offen: Sowohl die Sieger als auch die nachrangig platzierten Institute, können bei uns auf Anfrage das Gesamtergebnis des Vergleichs mit allen Zinsen und Bedingungen erhalten.",[],"text_block$26c4f8e7-70ce-47be-a4c7-7673c39ad0e4","Hausbank-Award 2026: Deutschlands beste Hausbanken","FMH und Handelsblatt vergleichen Hausbanken in 196 Städten. Finden Sie die besten regionalen Banken 2026 und erfahren Sie mehr über die Methodik.",{"dimensions":2232,"alt":2158,"copyright":5,"url":2233,"id":2160,"edit":2234},{"width":1807,"height":1808},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FKQsqePBu4v5AEjHF_Hausbank-Award-2026-Pokale.jpg?auto=format,compress&rect=0,85,1200,630&w=2400&h=1260",{"x":24,"y":1811,"zoom":25,"background":26}]