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Mit der neuen EU-Verordnung wird Instant-Payment dort verfügbar, wo auch SEPA-Überweisungen möglich sind. Diese Entwicklung markiert einen wichtigen Schritt in der Evolution des europäischen Zahlungsverkehrs.",[],{"type":1070,"text":1077,"spans":1078,"direction":1038},"Was ist Instant-Payment?",[],{"type":1035,"text":1080,"spans":1081,"direction":1038},"Instant-Payment ermöglicht es Nutzern, Geldbeträge in Echtzeit zu überweisen. Im Gegensatz zu herkömmlichen Überweisungen, die bis zu einem Werktag dauern können, werden Echtzeitüberweisungen innerhalb von 20 Sekunden abgewickelt. Sie sind rund um die Uhr verfügbar, auch an Wochenenden und Feiertagen. Derzeit ist der Höchstbetrag für eine solche Überweisung auf 100.000 Euro festgelegt.",[],{"type":1035,"text":1083,"spans":1084,"direction":1038},"Aber Achtung! Eine Eilüberweisung ist keine Echtzeitüberweisung. Sie dauert in der Regel länger als eine Echtzeitüberweisung, Zudem sind Eilüberweisungen meist sehr kostenintensiv aber im Moment noch gängiger als die Echtzeitüberweisungen.",[],{"type":1086,"text":1087,"spans":1088,"direction":1038},"heading3","Kosten und Gebühren",[],{"type":1035,"text":1090,"spans":1091,"direction":1038},"Die Non-Profit-Organisation European Payments Council (EPC) steht hinter dem Instant-Payment in Europa. Die Banken entscheiden selbst über die Preisgestaltung diese Services. Aktuell variieren die Gebühren: Einige Sparkassen bieten den Service kostenfrei an, während andere Gebühren erheben. 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Das ist genau das, was ein Robo-Advisor macht.",[],{"id":1811,"type":1041,"tags":1812,"lang":13,"slug":1813,"first_publication_date":1814,"last_publication_date":1815,"uid":1813,"link_type":43,"key":1816,"isBroken":45},"aQtX9hEAACMAT9iA",[],"beate-balke","2025-11-05T14:00:14+0000","2025-11-05T14:04:23+0000","ff1f1554-557b-49e1-ad13-b763ab893752",{"dimensions":1818,"alt":1820,"copyright":1458,"url":1821,"id":1822,"edit":1823},{"width":1766,"height":1819},667,"Mädchen mit Tablet in der Hand unterhält sich mit einem Roboter","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmSGGNHVfTPDiu_a9991083e61823633918993c87ee75ba4fea79dd-Kind-mit-Roboter.jpg?auto=format,compress","aMLmSGGNHVfTPDiu",{"x":24,"y":24,"zoom":25,"background":26},"Dekstop Only",{"link_type":43},[1827],{"variation":1064,"version":1065,"items":1828,"primary":1829,"id":1885,"slice_type":1132,"slice_label":5},[],{"text":1830,"chart_alt":5},[1831,1834,1837,1840,1845,1850,1853,1856,1859,1862,1871,1874,1877],{"type":1070,"text":1832,"spans":1833,"direction":1038},"Also, was genau ist ein Robo-Advisor?",[],{"type":1035,"text":1835,"spans":1836,"direction":1038},"Stellen Sie ihn sich wie Ihren persönlichen Finanzberater vor, aber mit einem Twist: Er ist ein digitaler Algorithmus (in standardisierten Einzelschritten wird ein definiertes Ziel erreicht), der auf Basis Ihrer finanziellen Ziele und Risikotoleranz ein maßgeschneidertes Anlageportfolio erstellt. Klingt wie etwas aus der Zukunft? Nun, die Zukunft ist jetzt.",[],{"type":1086,"text":1838,"spans":1839,"direction":1038},"Welche Vorteile bietet ein Robo-Advisor?",[],{"type":1096,"text":1841,"spans":1842,"direction":1038},"Erstens: Bequemlichkeit.\nMit einem Robo-Advisor müssen Sie nicht Stunden damit verbringen, den Markt zu analysieren oder Investmentstrategien zu recherchieren. Sie beantworten einige Fragen online z.B. über Ihre Risikofreude und voilà, Ihr Portfolio ist erstellt.",[1843],{"start":24,"end":1844,"type":1101},23,{"type":1096,"text":1846,"spans":1847,"direction":1038},"Zweitens: Kosten.\nRobo-Advisor weisen in der Regel niedrigere Gebühren als traditionelle Anlageberatern auf, was bedeutet, dass ein größerer Anteil Ihres Geldes tatsächlich investiert wird, anstatt in Beratungsgebühren zu fließen.",[1848],{"start":24,"end":1849,"type":1101},16,{"type":1086,"text":1851,"spans":1852,"direction":1038},"Wo Licht ist, ist oft auch Schatten.",[],{"type":1035,"text":1854,"spans":1855,"direction":1038},"Einige Leute mögen es nicht, ihre Finanzen einem Algorithmus anzuvertrauen. Sie wollen die Kontrolle behalten und selbst über ihre Investitionen entscheiden oder sie suchen die persönliche Beratung. Dies ist verständlich, aber bedenken Sie: Robo-Advisor basieren auf soliden Investmentstrategien und sind besser darin, Emotionen aus dem Spiel zu lassen.",[],{"type":1070,"text":1857,"spans":1858,"direction":1038},"Warum also sollten Sie sich für einen Robo-Advisor entscheiden?",[],{"type":1035,"text":1860,"spans":1861,"direction":1038},"Nun, wenn Sie eine kostengünstige, bequeme Möglichkeit suchen, Ihr Geld anzulegen und gleichzeitig regelmäßig sparen, ist ein Robo-Advisor definitiv eine Überlegung wert. Gerade durch automatisierte Sparpläne können Sie kontinuierlich Geld investieren und von den langfristigen Renditen profitieren, ohne sich ständig damit beschäftigen zu müssen. Also lehnen Sie sich zurück, entspannen Sie sich und lassen Sie den Robo-Advisor die Arbeit erledigen.",[],{"type":1035,"text":1863,"spans":1864,"direction":1038},"Daher hat die FMH-Finanzberatung im Auftrag der WirtschaftsWoche die besten Robo-Advisor mit Sparplänen ausgewertet, um Ihnen die Suche nach dem besten zu erleichtern.",[1865],{"start":1866,"end":1867,"type":1868,"data":1869},36,64,"hyperlink",{"link_type":49,"url":1870,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fgeldanlage\u002Franking-die-besten-robo-advisor-fuer-sparplaene-\u002F29744230.html",{"type":1035,"text":1872,"spans":1873,"direction":1038},"Bei der Auswertung, wurde eine besondere Gewichtung auf die Servicegebühren und Mindestbeträge bei Eröffnung als Sparplan gelegt. Wir haben zwischen klassischen und nachhaltigen Anlage-Strategien unterschieden.",[],{"type":1035,"text":1875,"spans":1876,"direction":1038},"Bei den klassischen Anlage-Strategien wurde quirion, bevestor, growney, VisualVest und MorgenFund mit einem „sehr gut“ ausgezeichnet. Bei den nachhaltigen Anlage-Strategien waren es EVERGREEN, quirion, bevestor, VisualVest, MorgenFund und growney die mit einem „sehr gut“ punkten konnten.",[],{"type":1035,"text":1878,"spans":1879,"direction":1038},"Nutzen Sie unseren Robo-Advisor-Vergleich um die besten Robo-Advisor für Ihre Bedürfnisse zu finden.",[1880],{"start":1881,"end":1882,"type":1868,"data":1883},19,41,{"id":161,"type":107,"tags":1884,"lang":13,"slug":163,"first_publication_date":164,"last_publication_date":165,"uid":166,"url":167,"link_type":43,"isBroken":45},[109],"text_block$77b12edf-b829-4a68-b18c-ce7971917857","Robo-Advisor mit Sparplan: Die besten Anbieter | FMH","Die besten Robo-Advisor mit Sparplan 2024: FMH zeichnet für die WirtschaftsWoche überzeugende Anbieter aus. Jetzt Ergebnisse entdecken.",{"dimensions":1889,"alt":1820,"copyright":1458,"url":1890,"id":1822,"edit":1891},{"width":1439,"height":1440},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmSGGNHVfTPDiu_a9991083e61823633918993c87ee75ba4fea79dd-Kind-mit-Roboter.jpg?auto=format%2Ccompress&rect=0%2C0%2C1000%2C525&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":1893,"uid":1775,"url":1894,"type":319,"href":1895,"tags":1896,"first_publication_date":1897,"last_publication_date":1898,"slugs":1899,"linked_documents":1901,"lang":13,"alternate_languages":1902,"data":1903},"aaWmHREAACcAyjCP","\u002Fartikel\u002Fdie-besten-tagesgeldzinsen-2026-03","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aaWmHREAACcAyjCP%22%29+%5D%5D",[],"2026-03-03T09:45:34+0000","2026-11-06T12:11:51+0000",[1900],"mehr-sicherheit-und-langere-zinsgarantien",[],[],{"publication_date":1904,"last_edit_date":1904,"set_last_edit_date_today":45,"title":1905,"subtitle":1906,"breadcrumb_title":5,"topic":1907,"teaser":1910,"author":1919,"cover":1926,"cover_position":1057,"table_of_content":1824,"toc_calculator":1059,"toc_selection":1060,"carousel_topic_filter":1935,"slices":1938,"meta_title":2048,"meta_description":2049,"meta_image":2050,"meta_indexed":1424},"2026-03-03","Tagesgeld 2026: Wo Sparer jetzt die attraktivsten Konditionen finden","Hohe Aktionszinsen, längere Garantien und sichere Einlagen im Vergleich",{"id":1800,"type":1026,"tags":1908,"lang":13,"slug":1802,"first_publication_date":1803,"last_publication_date":1804,"uid":1802,"link_type":43,"key":1909,"isBroken":45},[],"ef357c28-aa54-45da-874c-629d7491c9f0",[1911],{"type":1035,"text":1912,"spans":1913,"direction":1038},"Tagesgeld bleibt gefragt. Flexible Verfügbarkeit trifft auf stabile Zinsen – zumindest während der Zinsgarantie. Die FMH-Finanzberatung hat im Auftrag des Handelsblatts analysiert, welche Banken 2026 mit den besten Tagesgeldangeboten überzeugen.",[1914],{"start":1915,"end":1916,"type":1868,"data":1917},155,168,{"link_type":49,"url":1918,"target":52},"https:\u002F\u002Fwww.handelsblatt.com\u002Ffinanzen\u002Fanlagestrategie\u002Franking-das-sind-die-besten-und-lukrativsten-tagesgeldkonten\u002F100197805.html",{"id":1920,"type":1041,"tags":1921,"lang":13,"slug":1922,"first_publication_date":1923,"last_publication_date":1924,"uid":1922,"link_type":43,"key":1925,"isBroken":45},"aPYnVBAAACMArrKx",[],"carlos-lopes-da-costa","2025-10-20T12:18:17+0000","2025-11-05T14:13:24+0000","df7193c2-7d39-4f7c-86b9-5fe3fccdfa01",{"dimensions":1927,"alt":1930,"copyright":1931,"url":1932,"id":1933,"edit":1934},{"width":1928,"height":1929},1500,1002,"Lächelndes Senioren Paar auf dem Küchen Boden mit einem Kaffee in der Hand","PeopleImages, shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaaasoFxvIZEnjQxz_Paar-auf-Kuechenboden.jpg?auto=format,compress","aaasoFxvIZEnjQxz",{"x":24,"y":24,"zoom":25,"background":26},{"id":1800,"type":1026,"tags":1936,"lang":13,"slug":1802,"first_publication_date":1803,"last_publication_date":1804,"uid":1802,"link_type":43,"key":1937,"isBroken":45},[],"bd82ee6a-76ee-42a7-aa6b-b1f62ae3c759",[1939],{"variation":1064,"version":1065,"items":1940,"primary":1941,"id":2047,"slice_type":1132,"slice_label":5},[],{"text":1942,"chart_alt":5},[1943,1946,1949,1952,1960,1963,1966,1969,1972,1975,1978,1981,1984,1991,1998,2001,2008,2015,2022,2028,2031,2034,2037,2044],{"type":1070,"text":1944,"spans":1945,"direction":1038},"Mehr Sicherheit und längere Zinsgarantien",[],{"type":1035,"text":1947,"spans":1948,"direction":1038},"In wirtschaftlich unsicheren Zeiten setzen viele Anleger wieder stärker auf Stabilität und schnelle Verfügbarkeit. Tagesgeld erfüllt diese Anforderungen: Das Guthaben ist jederzeit verfügbar und durch die gesetzliche Einlagensicherung bis 100.000 Euro je Bank geschützt; teils sichern Banken darüber hinaus deutlich höhere Beträge ab. Gleichzeitig passen viele Institute ihre Aktionszinsen an, um neue Kundinnen und Kunden zu gewinnen. Zudem verlängern immer mehr Anbieter die Zinsgarantie – statt nur drei Monaten werden zunehmend sechs oder sogar zwölf Monate feste Konditionen angeboten, was die Planungssicherheit spürbar erhöht.",[],{"type":1070,"text":1950,"spans":1951,"direction":1038},"So wurde bewertet",[],{"type":1035,"text":1953,"spans":1954,"direction":1038},"Die FMH-Finanzberatung hat im Auftrag des Handelsblatts insgesamt 75 bundesweite Tagesgeldanbieter untersucht.",[1955],{"start":1956,"end":1957,"type":1868,"data":1958},66,109,{"link_type":49,"url":1959,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2026\u002Fdie-besten-tagesgeldzinsen-handelsblatt",{"type":1035,"text":1961,"spans":1962,"direction":1038},"Im Mittelpunkt standen:",[],{"type":1035,"text":1964,"spans":1965,"direction":1038},"•\tRendite für 4 Monate",[],{"type":1035,"text":1967,"spans":1968,"direction":1038},"•\tDauer der Zinsgarantie",[],{"type":1035,"text":1970,"spans":1971,"direction":1038},"•\tEinlagensicherung",[],{"type":1035,"text":1973,"spans":1974,"direction":1038},"•\tMindestanlage",[],{"type":1035,"text":1976,"spans":1977,"direction":1038},"•\tmögliche Zusatzbedingungen (z. B. Girokonto-Eröffnung)",[],{"type":1035,"text":1979,"spans":1980,"direction":1038},"Sechs Banken erhielten die Bestnote „sehr gut“. Bewertet wurde nicht nur die maximale Verzinsung, sondern die Gesamtattraktivität des Angebots.",[],{"type":1070,"text":1982,"spans":1983,"direction":1038},"Diese Banken liegen vorne",[],{"type":1035,"text":1985,"spans":1986,"direction":1038},"An der Spitze der Auswertung steht Bank11 mit einem Aktionszins von 3,11 Prozent bei dreimonatiger Garantie.",[1987],{"start":1988,"end":1882,"type":1868,"data":1989},35,{"link_type":49,"url":1990,"target":52},"https:\u002F\u002Fmoneytrax.de\u002Fclick.php?aid=62&linkid=N48&userid=&subid=",{"type":1035,"text":1992,"spans":1993,"direction":1038},"Mit einem noch höheren Einstiegszins von 3,33 Prozent folgt die norisbank. Allerdings sinkt der Zinssatz nach Ablauf der Garantie deutlich. Zudem ist ein Girokonto beim Anbieter Voraussetzung.",[1994],{"start":1867,"end":1995,"type":1868,"data":1996},73,{"link_type":49,"url":1997,"target":52},"https:\u002F\u002Fwww.norisbank.de\u002Fgeldanlage\u002Ftagesgeld-festgeld\u002Ftagesgeld.html",{"type":1035,"text":1999,"spans":2000,"direction":1038},"Ebenfalls mit „sehr gut“ bewertet wurden:",[],{"type":1035,"text":2002,"spans":2003,"direction":1038},"•\tcomdirect",[2004],{"start":2005,"end":1168,"type":1868,"data":2006},2,{"link_type":49,"url":2007,"target":52},"https:\u002F\u002Fwww.comdirect.de\u002Fgeldanlage\u002Ftagesgeld.html",{"type":1035,"text":2009,"spans":2010,"direction":1038},"•\tVolkswagen Bank",[2011],{"start":2005,"end":2012,"type":1868,"data":2013},17,{"link_type":49,"url":2014,"target":52},"https:\u002F\u002Fpartners.pilot.de\u002Fgo.cgi?pid=34&wmid=162&cpid=1&prid=1&subid=62&target=Tagesgeld_12_2022",{"type":1035,"text":2016,"spans":2017,"direction":1038},"•\tSuresse Direkt Bank",[2018],{"start":2005,"end":2019,"type":1868,"data":2020},21,{"link_type":49,"url":2021,"target":52},"https:\u002F\u002Fwww.suressedirektbank.de\u002Fde\u002Fsparen-anlegen\u002Ftagesgeld?utm_source=fmh&utm_medium=affiliate&utm_campaign=listing&utm_content=tagesgeld",{"type":1035,"text":2023,"spans":2024,"direction":1038},"•\tBBVA",[2025],{"start":2005,"end":1118,"type":1868,"data":2026},{"link_type":49,"url":2027,"target":52},"https:\u002F\u002Fwww.bbva.de\u002Fprivat\u002Fservices\u002Fsmart-banking\u002Fsparbox.html",{"type":1070,"text":2029,"spans":2030,"direction":1038},"Fazit: Attraktive Chancen für sicherheitsorientierte Anleger",[],{"type":1035,"text":2032,"spans":2033,"direction":1038},"Die Auswertung der FMH-Finanzberatung im Auftrag des Handelsblatts zeigt: Tagesgeld bleibt 2026 eine solide Option für Anleger, die Wert auf Sicherheit und Flexibilität legen.",[],{"type":1035,"text":2035,"spans":2036,"direction":1038},"Wer nicht nur auf den Höchstzins schaut, sondern Garantiezeit, Anschlusszins und Bedingungen vergleicht, kann sein Erspartes gezielt optimieren.",[],{"type":1035,"text":2038,"spans":2039,"direction":1038},"Der FMH Tagesgeld-Vergleich bietet einen transparenten Überblick über die aktuell besten Angebote.",[2040],{"start":2041,"end":1251,"type":1868,"data":2042},4,{"id":106,"type":107,"tags":2043,"lang":13,"slug":110,"first_publication_date":111,"last_publication_date":112,"uid":113,"url":114,"link_type":43,"isBroken":45},[109],{"type":1035,"text":2045,"spans":2046,"direction":1038},"",[],"text_block$5c4f0484-75a5-47ff-8620-7a618dc50a24","Die besten Tagesgeldzinsen 2026 | FMH.de","Tagesgeldvergleich 2026: Entdecken Sie attraktive Tagesgeldkonten mit hohen Zinsen und Zinsgarantie. FMH-Auswertung für das Handelsblatt.",{"dimensions":2051,"alt":1930,"copyright":1931,"url":2052,"id":1933,"edit":2053},{"width":1439,"height":1440},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaaasoFxvIZEnjQxz_Paar-auf-Kuechenboden.jpg?auto=format,compress&rect=0,107,1500,788&w=2400&h=1260",{"x":24,"y":2054,"zoom":25,"background":26},107,{"id":2056,"uid":1776,"url":2057,"type":319,"href":2058,"tags":2059,"first_publication_date":2060,"last_publication_date":2061,"slugs":2062,"linked_documents":2064,"lang":13,"alternate_languages":2065,"data":2066},"aMLyNBEAACIAioqJ","\u002Fartikel\u002Fdie-beste-depotbank-fuer-kleinanleger-2024-06","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLyNBEAACIAioqJ%22%29+%5D%5D",[366,145],"2025-11-05T12:56:02+0000","2026-07-24T09:07:45+0000",[2063],"beste-konditionen-fur-kleinanleger",[],[],{"publication_date":2067,"last_edit_date":2067,"set_last_edit_date_today":45,"title":2068,"subtitle":2069,"breadcrumb_title":5,"topic":2070,"teaser":2073,"author":2077,"cover":2080,"cover_position":1057,"table_of_content":1824,"toc_calculator":1059,"toc_selection":1060,"carousel_topic_filter":2086,"slices":2087,"meta_title":2128,"meta_description":2129,"meta_image":2130,"meta_indexed":1424},"2024-06-13","Die besten Depots für Kleinanleger 2024","Kleine Beträge, große Chancen: Die Top-Depots für smarte Kleinanleger",{"id":1800,"type":1026,"tags":2071,"lang":13,"slug":1802,"first_publication_date":1803,"last_publication_date":1804,"uid":1802,"link_type":43,"key":2072,"isBroken":45},[],"5f5f38f5-8301-45e4-8d80-1f00e09362b7",[2074],{"type":1035,"text":2075,"spans":2076,"direction":1038},"Wenn man an Wertpapiergeschäfte und Depots denkt, kommen einem oft erfahrene Anleger in den Sinn, die mit großen Beträgen handeln. Doch auch viele Kleinanleger, die monatlich kleinere Beträge in Fonds, Aktien oder ETF-Sparpläne investieren, benötigen eine geeignete Bank für ihr Depot.",[],{"id":1920,"type":1041,"tags":2078,"lang":13,"slug":1922,"first_publication_date":1923,"last_publication_date":1924,"uid":1922,"link_type":43,"key":2079,"isBroken":45},[],"32ac4905-8e0e-4feb-9600-fcac1fef3f09",{"dimensions":2081,"alt":2082,"copyright":1458,"url":2083,"id":2084,"edit":2085},{"width":1766,"height":1819},"Junge hat eine Idee, Glühlampe leuchtet auf","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmKGGNHVfTPDiK_df27bebc536b74b1a78f7620e08a60cee0fab25e-Idee_Junge_Klein.jpg?auto=format,compress","aMLmKGGNHVfTPDiK",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[2088],{"variation":1064,"version":1065,"items":2089,"primary":2090,"id":2127,"slice_type":1132,"slice_label":5},[],{"text":2091,"chart_alt":5},[2092,2095,2103,2110,2113,2116,2119],{"type":1070,"text":2093,"spans":2094,"direction":1038},"Beste Konditionen für Kleinanleger",[],{"type":1035,"text":2096,"spans":2097,"direction":1038},"Die FMH-Finanzberatung hat für ntv ermittelt, welche Banken für Kleinanleger die besten Konditionen bieten. Die FMH hat dabei zwischen Neo- und Onlinebrokern sowie Direkt- und Geschäftsbanken unterschieden. Neobroker sind in der Regel am günstigsten, da sie weitgehend ohne direkten Kundenkontakt arbeiten und auf Onlinegeschäfte spezialisiert sind. Direkt- und Geschäftsbanken bieten hingegen mehr Service und Beratung, was jedoch auch höhere Kosten verursacht.",[2098],{"start":2099,"end":2100,"type":1868,"data":2101},31,34,{"link_type":49,"url":2102,"target":52},"https:\u002F\u002Fwww.n-tv.de\u002Fratgeber\u002FDas-sind-die-besten-Depotbanken-fuer-Kleinanleger-article25008966.html",{"type":1035,"text":2104,"spans":2105,"direction":1038},"Die Analyse der FMH umfasst nur Banken mit Depots, die Sparpläne anbieten, da Kleinanleger eher regelmäßig investieren möchten. Ein weiteres weiteres Kriterium war die Möglichkeit, in Aktiensparpläne zu investieren, was besonders für mutige Anleger interessant ist, die kleinere Beträge in ausgewählte Einzelaktien anlegen möchten.",[2106],{"start":2107,"end":1867,"type":1868,"data":2108},55,{"id":151,"type":107,"tags":2109,"lang":13,"slug":131,"first_publication_date":153,"last_publication_date":154,"uid":155,"url":156,"link_type":43,"isBroken":45},[109],{"type":1086,"text":2111,"spans":2112,"direction":1038},"Die besten Neo- und Onlinebroker",[],{"type":1035,"text":2114,"spans":2115,"direction":1038},"Bei den Neo- und Onlinebrokern wurden fünf Anbieter mit „sehr gut“ bewertet, die keine Depotkosten und sehr geringe Orderkosten bieten: Traders Place, finanzen.net zero, SMARTBROKER+, Scalable Capital und Trade Republic.",[],{"type":1086,"text":2117,"spans":2118,"direction":1038},"Die besten Direkt- und Geschäftsbanken",[],{"type":1035,"text":2120,"spans":2121,"direction":1038},"Unter den Direkt- und Geschäftsbanken haben sich drei Direktbanken – ING, 1822direkt, Consorsbank – und die Deutsche Bank, mit ihrem maxblue Depot, als beste Geschäftsbank ausgezeichnet. Alle vier Anbieter erhielten ein „sehr gut“.  Finden Sie das geeignete Depot in unserem FMH Depot-Vergleich.",[2122],{"start":2123,"end":2124,"type":1868,"data":2125},275,294,{"id":141,"type":107,"tags":2126,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],"text_block$ded0928c-fa73-4bbd-8f3b-18a58c40f80a","Beste Depotbank für Kleinanleger im Vergleich | FMH","Depotbanken für Kleinanleger 2024 im Vergleich: Entdecken Sie günstige Konditionen, flexible Sparpläne und passende Anbieter. Jetzt informieren.",{"dimensions":2131,"alt":2082,"copyright":1458,"url":2132,"id":2084,"edit":2133},{"width":1439,"height":1440},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmKGGNHVfTPDiK_df27bebc536b74b1a78f7620e08a60cee0fab25e-Idee_Junge_Klein.jpg?auto=format%2Ccompress&rect=0%2C0%2C1000%2C525&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":2135,"uid":1777,"url":2136,"type":319,"href":2137,"tags":2138,"first_publication_date":2139,"last_publication_date":2140,"slugs":2141,"linked_documents":2143,"lang":13,"alternate_languages":2144,"data":2145},"aMLyMhEAACEAioqD","\u002Fartikel\u002Fbauzinsen-steigen-trotz-ezb-zinssenkung-2024-06","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLyMhEAACEAioqD%22%29+%5D%5D",[94],"2025-11-03T09:18:00+0000","2025-11-20T09:13:14+0000",[2142],"ezb-leitzinssenkung-bedeutet-niedrigere-anlage--und-ratenkreditzinsen--soweit-stimmt-die-annahme.",[],[],{"publication_date":2146,"last_edit_date":1021,"set_last_edit_date_today":5,"title":2147,"subtitle":2148,"breadcrumb_title":5,"topic":2149,"teaser":2155,"author":2159,"cover":2166,"cover_position":1057,"table_of_content":1058,"toc_calculator":1059,"toc_selection":1060,"carousel_topic_filter":2172,"slices":2173,"meta_title":2217,"meta_description":2218,"meta_image":2219,"meta_indexed":1424},"2024-06-04","Weshalb steigen die Bauzinsen trotz EZB-Leitzinssenkung?","Ratgeber Zinsentwicklung",{"id":2150,"type":1026,"tags":2151,"lang":13,"slug":94,"first_publication_date":2152,"last_publication_date":2153,"uid":94,"link_type":43,"key":2154,"isBroken":45},"aPDlUxIAACAAaSVI",[],"2025-10-16T12:30:18+0000","2025-10-24T10:12:22+0000","e37d9361-188b-468c-be9a-342194bd5054",[2156],{"type":1035,"text":2157,"spans":2158,"direction":1038},"Mancher Verbraucher, der gerade mit dem Hauskauf liebäugelt, dürfte sich in den nächsten Tagen verwundert die Augen reiben: Wenn die EZB den Leitzins senkt – müssten dann nicht auch die Bauzinsen sinken? Stattdessen steigen sie. Geben die Banken die Senkung etwa einfach nicht weiter und treiben ihre Marge damit nach oben?",[],{"id":2160,"type":1041,"tags":2161,"lang":13,"slug":2162,"first_publication_date":2163,"last_publication_date":2164,"uid":2162,"link_type":43,"key":2165,"isBroken":45},"aNvqoxIAACQAg-TQ",[],"max-herbst","2025-09-30T14:43:09+0000","2025-10-27T16:08:49+0000","613fbf3d-f8aa-42f4-a90e-b9706d31703d",{"dimensions":2167,"alt":2168,"copyright":1458,"url":2169,"id":2170,"edit":2171},{"width":1766,"height":1819},"Weshalb steigen die Bauzinsen trotz EZB-Leitzinssenkung? ","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmLGGNHVfTPDiP_542c578208465991f72ad799c41e8e57eb606178-EZB-nacht-beleuchtet.jpg?auto=format,compress","aMLmLGGNHVfTPDiP",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[2174],{"variation":1064,"version":1065,"items":2175,"primary":2176,"id":2216,"slice_type":1132,"slice_label":5},[],{"text":2177,"chart_alt":5},[2178,2186,2189,2207,2210,2213],{"type":1035,"text":2179,"spans":2180,"direction":1038},"Tatsächlich scheint es eine logische Schlussfolgerung: Wenn die EZB den Leitzins senkt, müssten doch alle anderen Zinsen folgen. Und so schauen alle gespannt auf Donnerstag: Für den 06. Juni wird eine erste Leitzinssenkung seit dem Erhöhungssprint, beginnend im Juli 2022, erwartet. Da der Leitzins schließlich, das steckt schon im Wort, eine “leitende Funktion” für den Zinsmarkt hat, müsste das ja bedeuten, dass alle anderen Zinsen ebenfalls sinken – auch die Bauzinsen. Doch das stimmt nicht und wir erklären gerne, weshalb.",[2181],{"start":2182,"end":2183,"type":1868,"data":2184},463,472,{"id":558,"type":107,"tags":2185,"lang":13,"slug":110,"first_publication_date":560,"last_publication_date":561,"uid":562,"url":563,"link_type":43,"isBroken":45},[109],{"type":1070,"text":2187,"spans":2188,"direction":1038},"EZB-Leitzinssenkung bedeutet niedrigere Anlage- und Ratenkreditzinsen – soweit stimmt die Annahme.",[],{"type":1035,"text":2190,"spans":2191,"direction":1038},"Da alle Welt die Leitzinssenkung für Donnerstag erwartet, haben viele Banken ihre Tagesgeld – und Festgeldzinsen bereits gesenkt. Manche in weiser Voraussicht, um sich den Ad-Hoc-Aufwand zu sparen. Andere, um ihre Zinsen anschließend nochmals senken zu können. Für den Verbraucher erscheint das logisch: Niedriger Leitzins, niedrigere Marktzinsen. Und so werden die Senkungen klaglos akzeptiert – schließlich haben sie auch positive Seiten: Sinken die Anlagezinsen, sinken auch die Konsumentenkredite, wenn die Banken fair arbeiten, da der Einkauf des Finanzierungsgeldes billiger wird. Doch wer jetzt erwartet, dass auch Baukredite günstiger werden, täuscht sich.",[2192,2197,2202],{"start":2193,"end":2194,"type":1868,"data":2195},82,91,{"id":106,"type":107,"tags":2196,"lang":13,"slug":110,"first_publication_date":111,"last_publication_date":112,"uid":113,"url":114,"link_type":43,"isBroken":45},[109],{"start":2198,"end":2199,"type":1868,"data":2200},98,112,{"id":119,"type":107,"tags":2201,"lang":13,"slug":110,"first_publication_date":121,"last_publication_date":122,"uid":123,"url":124,"link_type":43,"isBroken":45},[109],{"start":2203,"end":2204,"type":1868,"data":2205},482,500,{"id":377,"type":107,"tags":2206,"lang":13,"slug":110,"first_publication_date":379,"last_publication_date":380,"uid":381,"url":382,"link_type":43,"isBroken":45},[109],{"type":1070,"text":2208,"spans":2209,"direction":1038},"Deshalb hat die EZB-Leitzinssenkung nur bedingt Einfluss auf das Baugeld.",[],{"type":1035,"text":2211,"spans":2212,"direction":1038},"Wer wissen möchte, wie sich die Bauzinsen entwickeln, sollte nicht auf den Leitzins schauen, sondern auf die Inflationsrate. Die ist im letzten Monat nicht gefallen – und ob sie im Juni fällt, ist ebenfalls nicht sicher. Das verunsichert Investoren: Es ist die Pflicht der EZB, für eine stabile Währung zu sorgen. Wenn der Leitzins gesenkt wird, obwohl die Inflationsrate diese Entscheidung eigentlich nicht rechtfertigt, sagen sich Investoren: Deutsche Bundesanleihe ja, aber nur zu höheren Zinsen, wenn die EZB nicht für eine fallende Inflation sorgt. Eine Leitzinssenkung ist dafür bekanntlich kein geeignetes Mittel.",[],{"type":1035,"text":2214,"spans":2215,"direction":1038},"Steigt die Rendite der 10-jährigen Bundesanleihe, weil Investoren höhere Zinsen fordern, steigen auch die Pfandbriefrenditen – und damit am Ende auch die Bauzinsen. Deshalb gehen wir von FMH aktuell nicht von fallenden Bauzinsen aus, auch wenn die EZB den Leitzins senkt. Die amerikanische Notenbank FED sieht noch keine Möglichkeit, den Leitzins zu senken, da eine zu geringe Reduzierung der Inflation zu erwarten wäre. Die EZB will sich hier offenbar als Vorreiter positionieren. Im Sommer 2022 hatte sie mit der Senkung etwas zu lange gewartet – dieses Mal könnte es allerdings etwas zu schnell sein. Wir sind gespannt auf die weiteren Entwicklungen.",[],"text_block$93da89fb-551b-4fc9-816c-f508f4883f3a","Trotz Leitzinssenkung steigen die Bauzinsen | FMH.de","Erfahren Sie, warum Bauzinsen trotz EZB-Leitzinssenkung steigen. Entdecken Sie die wahren Einflussfaktoren und was dies für Immobilienkäufer bedeutet.",{"dimensions":2220,"alt":2168,"copyright":1458,"url":2221,"id":2170,"edit":2222},{"width":1439,"height":1440},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmLGGNHVfTPDiP_542c578208465991f72ad799c41e8e57eb606178-EZB-nacht-beleuchtet.jpg?auto=format%2Ccompress&rect=0%2C0%2C1000%2C525&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":2224,"uid":1778,"url":2225,"type":319,"href":2226,"tags":2227,"first_publication_date":2228,"last_publication_date":2229,"slugs":2230,"linked_documents":2232,"lang":13,"alternate_languages":2233,"data":2234},"aMLx-xEAACAAion9","\u002Fartikel\u002Fdie-besten-jugendkonten-2023-11","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLx-xEAACAAion9%22%29+%5D%5D",[366,480],"2025-11-05T14:34:27+0000","2026-07-23T14:19:43+0000",[2231],"jugendkonten-im-fokus-der-banken",[],[],{"publication_date":2235,"last_edit_date":2235,"set_last_edit_date_today":45,"title":2236,"subtitle":2237,"breadcrumb_title":5,"topic":2238,"teaser":2241,"author":2245,"cover":2248,"cover_position":1057,"table_of_content":1824,"toc_calculator":1059,"toc_selection":1060,"carousel_topic_filter":2256,"slices":2257,"meta_title":2309,"meta_description":2310,"meta_image":2311,"meta_indexed":1424},"2023-11-17","Die besten Jugendkonten 2023","Der ultimative Start ins Finanzleben",{"id":1025,"type":1026,"tags":2239,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1031,"link_type":43,"key":2240,"isBroken":45},[],"1aaec644-9cac-4127-8f9e-6366fd11fe32",[2242],{"type":1035,"text":2243,"spans":2244,"direction":1038},"Es ist unbestritten, dass die finanzielle Bildung immer wichtiger wird. Deshalb ist es entscheidend, dass Jugendliche frühzeitig lernen, mit Geld umzugehen.",[],{"id":1811,"type":1041,"tags":2246,"lang":13,"slug":1813,"first_publication_date":1814,"last_publication_date":1815,"uid":1813,"link_type":43,"key":2247,"isBroken":45},[],"43f527fd-caa2-42f4-9706-0a15c6a97390",{"dimensions":2249,"alt":2252,"copyright":1458,"url":2253,"id":2254,"edit":2255},{"width":2250,"height":2251},2000,1334,"Frau mit gelben Rucksack hüpft","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmpGGNHVfTPDkD_b75d84523b0bb0ef49570168aad6b727d155cce1-shutterstock_1951877653_Red.png?auto=format,compress","aMLmpGGNHVfTPDkD",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[2258],{"variation":1064,"version":1065,"items":2259,"primary":2260,"id":2308,"slice_type":1132,"slice_label":5},[],{"text":2261,"chart_alt":5},[2262,2265,2268,2271,2279,2282,2285,2288,2291,2294,2297,2300],{"type":1070,"text":2263,"spans":2264,"direction":1038},"Jugendkonten im Fokus der Banken",[],{"type":1035,"text":2266,"spans":2267,"direction":1038},"Wer wenig oder gar nichts verdient, sollte versuchen, die beste Dienstleistung für wenig Geld zu erhalten. Dass Jugendliche ab 14 Jahren und jünger, schon ein eigenes Girokonto haben, ist nichts Besonderes mehr. Banken intensivieren ihre Bemühungen, Jugendliche als Kunden für das erste Girokonto zu gewinnen. Sie sind sich der generellen Wechselunwilligkeit der Kunden bewusst, die altersunabhängig ist. Deshalb legen sie besonderen Wert darauf, das Jugendkonto als besonders attraktive Option zu präsentieren.",[],{"type":1086,"text":2269,"spans":2270,"direction":1038},"Warum der Einstieg ins Banking wichtig ist",[],{"type":1035,"text":2272,"spans":2273,"direction":1038},"Weil der Einstieg in Geldgeschäfte ein absolut wichtiges Thema ist, wollte ntv von der FMH-Finanzberatung wissen, welche Bank die besten Jugendkonten anbietet. Wichtig zu wissen ist, dass bei Jugendlichen unter 18 Jahren der oder die Erziehungsberechtigten bei der Kontoeröffnung auch unterschreiben müssen.",[2274],{"start":2275,"end":2276,"type":1868,"data":2277},68,105,{"link_type":49,"url":2278,"target":52},"https:\u002F\u002Fwww.n-tv.de\u002Fratgeber\u002FDas-sind-die-besten-Jugendkonten-article24515402.html",{"type":1035,"text":2280,"spans":2281,"direction":1038},"Für diesen Rechercheauftrag haben wir zwei Unterscheidungen vorgenommen: Einmal unter und einmal über 18 Jahre. Der Grund ist primär die Möglichkeit, ab 18 Jahren eine Kreditkarte einzusetzen. Die Kontoführung ist bei allen Jugendkonten kostenfrei. Anders sieht es bei der Girocard und Debitkarte oder auch bei der Prepaid-Kreditkarte aus. Mindestens eine Karte benötigt man auch als Jugendlicher, wenn man bezahlen will oder Geldabheben will.",[],{"type":1086,"text":2283,"spans":2284,"direction":1038},"Unterschiede bei Karten und Zusatzleistungen",[],{"type":1035,"text":2286,"spans":2287,"direction":1038},"Bei den Kreditkarten ist eine Unterscheidung notwendig: Unter 18 Jahren ist man in Deutschland nur eingeschränkt geschäftsfähig und darf somit auch keinen Kredit erhalten, auch keinen Dispokredit (Kontoüberziehung). Die Besonderheiten, die einzelne Banken Juniorkunden einräumen, sind sehr unterschiedlich. Sie reichen von 50 bis 150 Euro Start- oder Willkommensprämie, über 2,50 Euro Gutschrift (bei Einsatz einer Girocard), bis zu einem kostenfreien Wertpapierdepot. Es lohnt sich schon die unterschiedlichen Bedingungen etwas genauer anzusehen – und sich selbst davon ein Bild zu machen, was für einen mehr Wichtigkeit hat.",[],{"type":1086,"text":2289,"spans":2290,"direction":1038},"Bestes Jugendkonto für unter 18-Jährige",[],{"type":1035,"text":2292,"spans":2293,"direction":1038},"Das beste Jugendkonto für unter 18-Jährige im Jahr 2023 ist laut unserer Recherche das Konto von comdirect. Es zeichnet sich durch kostenfreie Kontoführung und ein weltweit kostenfreies Bargeldabheben aus. Die notwendige Girocard ist kostenfrei.",[],{"type":1086,"text":2295,"spans":2296,"direction":1038},"Bestes Jugendkonto für über 18-Jährige",[],{"type":1035,"text":2298,"spans":2299,"direction":1038},"Für junge Erwachsene über 18 Jahre sind die Konten der Santander, PSD Bank Nord und PSD Bank Nürnberg besonders empfehlenswert. Diese bieten neben kostenfreier Kontoführung zum Teil auch Startprämien oder kostenlose Kreditkarten an.",[],{"type":1035,"text":2301,"spans":2302,"direction":1038},"Die Auswahl des richtigen Jugendkontos sollte eine individuelle Entscheidung sein. Damit Sie sich leichter tun, eine fundierte Entscheidung zu treffen, nutzen Sie unseren Girokonto-Vergleich. Dort können Sie natürlich die Angebote für Junge Leute auswählen und das passende Konto für Ihre Bedürfnisse finden.",[2303],{"start":2304,"end":2305,"type":1868,"data":2306},171,190,{"id":476,"type":107,"tags":2307,"lang":13,"slug":131,"first_publication_date":478,"last_publication_date":479,"uid":480,"url":481,"link_type":43,"isBroken":45},[109],"text_block$aae3a829-57c2-444f-82a6-0ef390c3ed8b","Jugendkonten 2023 im Vergleich: Die besten Angebote | FMH","Die besten Jugendkonten 2023 im Vergleich: Kontofunktionen, Sparvorteile und Angebote für Jugendliche prüfen. Jetzt passendes Konto finden.",{"dimensions":2312,"alt":2252,"copyright":1458,"url":2313,"id":2254,"edit":2314},{"width":1439,"height":1440},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmpGGNHVfTPDkD_b75d84523b0bb0ef49570168aad6b727d155cce1-shutterstock_1951877653_Red.png?auto=format%2Ccompress&rect=0%2C0%2C2000%2C1050&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":2316,"uid":1779,"url":2317,"type":319,"href":2318,"tags":2319,"first_publication_date":2321,"last_publication_date":2322,"slugs":2323,"linked_documents":2325,"lang":13,"alternate_languages":2326,"data":2327},"aMLx6BEAACAAionC","\u002Fartikel\u002Fdas-bringt-das-fmh-guetesiegel-fuer-vermittler-von-baufinanzierungen","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLx6BEAACAAionC%22%29+%5D%5D",[94,2320],"zertifikat","2025-11-05T14:35:15+0000","2026-11-06T12:08:52+0000",[2324],"die-spreu-vom-weizen-trennen",[],[],{"publication_date":2328,"last_edit_date":2328,"set_last_edit_date_today":45,"title":2329,"subtitle":2330,"breadcrumb_title":2331,"topic":2332,"teaser":2335,"author":2339,"cover":2342,"cover_position":1057,"table_of_content":1824,"toc_calculator":1059,"toc_selection":1060,"carousel_topic_filter":2350,"slices":2353,"meta_title":2416,"meta_description":2417,"meta_image":2418,"meta_indexed":1424},"2023-09-13","Das bringt das FMH - Gütesiegel für Vermittler von Baufinanzierungen","Service, Beratung, Kundenorientierung","Das bringt das FMH-Gütesigel für Baufi-Vermittler",{"id":2150,"type":1026,"tags":2333,"lang":13,"slug":94,"first_publication_date":2152,"last_publication_date":2153,"uid":94,"link_type":43,"key":2334,"isBroken":45},[],"d8d637ea-45f7-4022-b702-3e57f07831b0",[2336],{"type":1035,"text":2337,"spans":2338,"direction":1038},"Die Zinsen steigen. Die Immobilienpreise stagnieren auf hohem Niveau. Und der Mangel an guten Objekten setzt Käufer unter Druck, schnell eine Finanzierung zu unterschreiben. In solchen Zeiten ist es wichtig, einen Partner zu finden, der fair und serviceorientiert berät – und idealerweise durch die FMH zertifiziert ist.",[],{"id":2160,"type":1041,"tags":2340,"lang":13,"slug":2162,"first_publication_date":2163,"last_publication_date":2164,"uid":2162,"link_type":43,"key":2341,"isBroken":45},[],"1f65524c-078a-422d-8a08-5786214c5b0c",{"dimensions":2343,"alt":2346,"copyright":1458,"url":2347,"id":2348,"edit":2349},{"width":2344,"height":2345},906,604,"Das bringt das FMH-Gütesiegel für Vermittler von Baufinanzierungen","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLm0GGNHVfTPDkl_70ccf0476516c6c54b63bce845ae5ba466c1798d-fmh-zertifikat.jpg?auto=format,compress","aMLm0GGNHVfTPDkl",{"x":24,"y":24,"zoom":25,"background":26},{"id":2150,"type":1026,"tags":2351,"lang":13,"slug":94,"first_publication_date":2152,"last_publication_date":2153,"uid":94,"link_type":43,"key":2352,"isBroken":45},[],"ad0b5236-8283-44f0-9ef9-516257fdb07f",[2354],{"variation":1064,"version":1065,"items":2355,"primary":2356,"id":2415,"slice_type":1132,"slice_label":5},[],{"text":2357,"chart_alt":5},[2358,2361,2364,2367,2370,2373,2376,2385,2388,2391,2400,2403,2406],{"type":1035,"text":2359,"spans":2360,"direction":1038},"Ob München, Berlin oder Frankfurt: In vielen deutschen Städten und Regionen sind Wohnungen knapp – und das, obwohl die Einwohnerzahlen steigen. Das treibt die ohnehin schon hohen Mieten in begehrten Lagen zusätzlich in die Höhe. Und ein Ende des Trends ist nicht in Sicht. Im Gegenteil.",[],{"type":1035,"text":2362,"spans":2363,"direction":1038},"Statt mehr wurden in den vergangenen Jahren immer weniger neue Wohnungen gebaut. Zwar hatte sich die Ampel-Koalition vorgenommen, per anno 400.000 neue Wohnungen entstehen zu lassen. Dieses Ziel wird sie allerdings krachend verfehlen.",[],{"type":1035,"text":2365,"spans":2366,"direction":1038},"2022 schaffte sie bundesweit gerade einmal 295.300 neue Einheiten. Im ersten Halbjahr 2023 sind sogar nur 135.200 Wohnung genehmigt worden – rund 50.000 weniger als im Vergleichszeitraum des Vorjahres.",[],{"type":1086,"text":2368,"spans":2369,"direction":1038},"Die Spreu vom Weizen trennen",[],{"type":1035,"text":2371,"spans":2372,"direction":1038},"Wer verzweifelt nach einer neuen Bleibe sucht, könnte nun versucht sein, zu kaufen, statt zu mieten. Doch auch hier ist der Markt nicht wirklich gut sortiert. Gute Bestandsobjekte sind rar – und die wenigen Neubauten extrem begehrt und teuer.",[],{"type":1035,"text":2374,"spans":2375,"direction":1038},"An dieser Situation können wir von der FMH-Finanzberatung leider nichts ändern. Zumindest aber wollen wir unseren Beitrag dazu leisten, dass Interessenten, die das passende Objekt gefunden haben, die beste Finanzierung erhalten – und eine umfassende und faire Beratung.",[],{"type":1035,"text":2377,"spans":2378,"direction":1038},"Dafür bieten wir schon seit langem unsere FMH-Baufinanzierungsvergleiche und Rechner an. Seit ein paar Wochen allerdings gehen wir noch einen Schritt weiter – und zertifizieren die Vermittler mit Blick auf dessen Service und Dienstleistung für den Kunden. Denn welcher Kunde kann schon wissen, ob der Vermittler, den er ausgesucht hat, nur darauf aus ist, möglichst schnell den Vertrag unter Dach und Fach zu bringen – und damit seine Provision zu verdienen.",[2379,2384],{"start":2380,"end":2381,"type":1868,"data":2382},42,72,{"id":971,"type":901,"tags":2383,"lang":13,"slug":973,"first_publication_date":974,"last_publication_date":975,"uid":976,"url":977,"link_type":43,"isBroken":45},[],{"start":2380,"end":2381,"type":1101},{"type":1086,"text":2386,"spans":2387,"direction":1038},"Ein Gewinn für gute Vermittler – und die Kunden",[],{"type":1035,"text":2389,"spans":2390,"direction":1038},"Um das herauszufinden, hat die FMH-Finanzberatung begonnen, erstmals die große Anzahl der Vermittler in Deutschland (etwa 50.000) zu durchleuchten und zu hinterfragen, wie sie ihre Kunden betreuen. Eine fachkundige Beratung unterstellen wir, weil alle Berater von der IHK geprüft sein müssen, bevor sie als Baufinanzierungsvermittler arbeiten dürfen. Dafür aber untersucht die FMH die Kundenorientierung, Service und Beratungsleistung an sich vor Ort beim Vermittler und nicht vom Schreibtisch aus.",[],{"type":1035,"text":2392,"spans":2393,"direction":1038},"Das Verfahren findet auf freiwilliger Basis statt. Berater, die für sich in Anspruch nehmen, den Qualitätskriterien der FMH zu genügen, können sich bei uns melden. Wir schicken daraufhin ehemalige Kreditsachbearbeiter, Kundenberater und Ex-Vermittler zu ihnen, um zu erfahren, wie sie ihre Kunden wirklich betreuen. Dabei stellen wir den Kandidaten insgesamt 90 Fragen zu ihrem Geschäftsmodell und ihrer Kundenbetreuung. Nach der aufwendigen Auswertung stellen wir dann unser Zertifikat aus. Oder eben nicht.",[2394,2399],{"start":2395,"end":2396,"type":1868,"data":2397},97,123,{"id":578,"type":579,"tags":2398,"lang":13,"slug":581,"first_publication_date":582,"last_publication_date":583,"url":584,"link_type":43,"isBroken":45},[],{"start":2395,"end":2396,"type":1101},{"type":1086,"text":2401,"spans":2402,"direction":1038},"Besser mit Zertifikat",[],{"type":1035,"text":2404,"spans":2405,"direction":1038},"Sie suchen derzeit nach einem geeigneten Objekt oder haben es schon gefunden? Vielleicht achten Sie bei Ihrem nächsten Baugeldvergleich oder der Kontaktaufnahme mit einem Vermittler darauf, ob Sie es mit einem Vermittler zu tun haben, der von der FMH geprüft und gecheckt ist.",[],{"type":1035,"text":2407,"spans":2408,"direction":1038},"Wenn ja, können sie sicher sein, die passende Finanzierung für ihren Immobilienwunsch zu bekommen. Wenn nein, muss das nicht unbedingt schlechtes Zeichen sein, weil es derzeit noch viele Vermittler gibt, die sich nicht haben prüfen lassen. Entsprechend wird es auch etliche gute Vermittler geben, die (noch) kein Zertifikat besitzen.\nNachweisbar gute Qualität gibt es allerdings (heute und künftig) nur mit dem Zertifikat der FMH.",[2409,2414],{"start":2410,"end":2411,"type":1868,"data":2412},411,429,{"id":578,"type":579,"tags":2413,"lang":13,"slug":581,"first_publication_date":582,"last_publication_date":583,"url":584,"link_type":43,"isBroken":45},[],{"start":2410,"end":2411,"type":1101},"text_block$43d1e06d-427b-46f5-9853-37a59ee41b2e","FMH-Zertifikat: Geprüfte Baufinanzierungsberater | FMH.de","FMH-geprüfte Baufinanzierungsvermittler finden: Das Gütesiegel steht für geprüfte Beratungsqualität und Kundenorientierung. Jetzt informieren!",{"dimensions":2419,"alt":2420,"copyright":1458,"url":2421,"id":2348,"edit":2422},{"width":1439,"height":1440},"Das bringt das FMH- Gütesiegel für Vermittler von Baufinanzierungen","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLm0GGNHVfTPDkl_70ccf0476516c6c54b63bce845ae5ba466c1798d-fmh-zertifikat.jpg?auto=format%2Ccompress&rect=0%2C0%2C906%2C476&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":2424,"uid":1780,"url":2425,"type":319,"href":2426,"tags":2427,"first_publication_date":2428,"last_publication_date":2429,"slugs":2430,"linked_documents":2432,"lang":13,"alternate_languages":2433,"data":2434},"aMLxMhEAAB8Aioem","\u002Fartikel\u002Fpost-ident-oder-video-ident-was-nutzen-kunden-lieber","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLxMhEAAB8Aioem%22%29+%5D%5D",[480],"2025-11-06T11:49:03+0000","2026-11-06T12:17:59+0000",[2431],"identifikationsuberprufung-bei-kontoeroffnung-wie-funktionieren-die-verfahren",[],[],{"publication_date":2435,"last_edit_date":2435,"set_last_edit_date_today":45,"title":2436,"subtitle":2437,"breadcrumb_title":5,"topic":2438,"teaser":2441,"author":2445,"cover":2448,"cover_position":1057,"table_of_content":1824,"toc_calculator":1059,"toc_selection":1060,"carousel_topic_filter":2455,"slices":2456,"meta_title":2516,"meta_description":2517,"meta_image":2518,"meta_indexed":1424},"2020-05-27","Post-Ident oder Video-Ident? Was nutzen Kunden lieber?","Legitimationsverfahren bei Kontoeröffnung sehr unterschiedlich genutzt",{"id":1025,"type":1026,"tags":2439,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1031,"link_type":43,"key":2440,"isBroken":45},[],"4655f2ba-ff20-4927-98d8-4d421cce1627",[2442],{"type":1035,"text":2443,"spans":2444,"direction":1038},"Mit einer Umfrage bei 30 Banken wollte die FMH-Finanzberatung herausfinden, wie es um die Online-Affinität der Banken und Kunden bestellt ist: Werden moderne Verfahren wie Video-Ident angeboten und wenn ja, überhaupt genutzt? Das Ergebnis ist spannend – und sehr durchwachsen.",[],{"id":1040,"type":1041,"tags":2446,"lang":13,"slug":1043,"first_publication_date":1044,"last_publication_date":1045,"uid":1046,"link_type":43,"key":2447,"isBroken":45},[],"c2f5dcda-9a9e-4c88-8fe2-b27110664f5d",{"dimensions":2449,"alt":2436,"copyright":1458,"url":2452,"id":2453,"edit":2454},{"width":2450,"height":2451},800,533,"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLommGNHVfTPDqU_34905db48631abd78c4af394af474de7aa7b2a60-video-ident-banken-kunden.jpg?auto=format,compress","aMLommGNHVfTPDqU",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[2457,2489],{"variation":1064,"version":1065,"items":2458,"primary":2459,"id":2488,"slice_type":1132,"slice_label":5},[],{"text":2460,"chart_alt":5},[2461,2464,2467,2470,2473,2476,2479,2482,2485],{"type":1035,"text":2462,"spans":2463,"direction":1038},"30 Banken und Sparkassen, darunter regionale Anbieter ebenso wie bundesweite, Filialbanken und Direktbanken wurden gefragt: Welche Arten der Kontoeröffnung gibt es, welche Identifikationsverfahren kommen dabei zum Einsatz und wie sieht das Nutzerverhalten aus?",[],{"type":1035,"text":2465,"spans":2466,"direction":1038},"Erkenntnis Nummer Eins: Alle Anbieter, die sich an der Umfrage beteiligten, ermöglichen die Online-Kontoeröffnung und bieten hierfür das Video-Ident-Verfahren zur Kontoeröffnung an. Interessant: Das Post-Ident-Verfahren haben zwei Anbieter nicht im Angebot.",[],{"type":1086,"text":2468,"spans":2469,"direction":1038},"Identifikationsüberprüfung bei Kontoeröffnung: Wie funktionieren die Verfahren?",[],{"type":1035,"text":2471,"spans":2472,"direction":1038},"Wer ein Konto, gleich welcher Art, eröffnen möchte, muss ein Ausweispapier vorlegen und sich legitimieren. Außerdem muss der aktuelle Wohnsitz bekannt und erkennbar sein. Das verlangen neben dem Geldwäschegesetz zahlreiche weitere Gesetzesgrundlagen.",[],{"type":1035,"text":2474,"spans":2475,"direction":1038},"Wer allerdings online oder per App ein Konto eröffnet, hat keinen Bankmitarbeiter vor sich, dem er seinen Ausweis vorlegen kann. Deshalb galt für die Online-Kontoeröffnung lange das Post-Ident-Verfahren als Standard: Hier geht der Antragsteller mit seinem Kontoeröffnungsantrag persönlich zu einer Postfiliale und legt seinen Lichtbildausweis mit aktueller Anschrift vor. Der Postmitarbeiter bestätigt die Identität des Antragstellers und schickt den Antrag an die Bank, Sparkasse oder den Vermittler weiter.",[],{"type":1035,"text":2477,"spans":2478,"direction":1038},"Im Zuge der Digitalisierung zog ein neues Verfahren in den Legitimationsmarkt ein: Das Video-Ident-Verfahren. Hier bestätigt der Antragsteller einem Mitarbeiter der Bank – oder des externen Video-Ident-Anbieters – seine Identität per Videoanruf. Der Lichtbildausweis wird dabei ebenfalls in die Kamera gehalten, die Echtheit per Hologramm-Spiegelung und anderen Erkennungszeichen geprüft.",[],{"type":1086,"text":2480,"spans":2481,"direction":1038},"Was wird häufiger genutzt? Post-Ident oder Video-Ident?",[],{"type":1035,"text":2483,"spans":2484,"direction":1038},"Man mag meinen, dass die Bequemlichkeit des Video-Ident-Verfahrens das Post-Ident-Verfahren vom Markt verdrängt. Tatsächlich aber ist die Nutzungshäufigkeit extrem abhängig von dem jeweiligen Anbieter. So wird bei der Stadtsparkasse Düsseldorf und der Santander bei rund 70 % der Kontoeröffnungen das Video-Ident-Verfahren genutzt. Bei der Sparda-Bank Hessen dagegen sind es nur 15 %.",[],{"type":1035,"text":2486,"spans":2487,"direction":1038},"Dabei lassen sich spannenderweise keinerlei Parallelen erkennen: Es lässt sich weder pauschal sagen, dass die Kunden regionaler Anbieter das konservativere Post-Ident-Verfahren bevorzugen. Noch, dass die Kunden reiner Digitalbanken eine höhere Affinität zum moderneren Video-Ident-Verfahren hätten. Weshalb die beiden Verfahren so unterschiedlich genutzt werden, lässt sich nur spekulieren. Es könnte einerseits am durchschnittlichen Alter der Neukunden liegen – und damit am Marketing bzw. der Zielgruppe des jeweiligen Anbieters. Es könnte aber auch daran liegen, wie die unterschiedlichen Verfahren dem Antragsteller kommuniziert werden.",[],"text_block$4371bdc0-a26b-4afc-9c44-510a4014441d",{"variation":1064,"version":1065,"items":2490,"primary":2491,"id":2515,"slice_type":1132,"slice_label":5},[],{"text":2492,"chart_alt":5},[2493,2496,2499,2502,2505,2508,2511],{"type":1086,"text":2494,"spans":2495,"direction":1038},"Ebenfalls spannend: Die Abbruchquote der Video-Identifikationen",[],{"type":1035,"text":2497,"spans":2498,"direction":1038},"Für die FMH-Finanzberatung war eine weitere wichtige Frage: Wie viele der Menschen, die das Video-Ident-Verfahren nutzen, schließen es auch wirklich ab? Auch hier zeigt sich ein extrem durchwachsenes Ergebnis. Von quasi Null bis 62 % ist alles vertreten. Auch hier lässt sich in den meisten Fällen nur spekulieren, was der Grund für die Abbrüche ist. Während die noch immer sehr schlechte Internetverbindung in weiten Teilen Deutschlands, insbesondere im ländlichen Raum sicher ein Grund ist, sprechen höhere Abbruchraten eher dafür, dass es technische Schwierigkeiten gibt – oder die Wartezeiten schlicht zu lang ausfallen. Bei 90 Minuten in der Warteschleife, wie bei einer der Stichproben der FMH-Finanzberatung geschehen, überlegt sich auch der geduldigste Neukunde sicher, ob er bei dieser Bank tatsächlich ein Konto eröffnen möchte.",[],{"type":1086,"text":2500,"spans":2501,"direction":1038},"Video-Ident: Corona brachte auch die letzten Schäfchen ins Trockene",[],{"type":1035,"text":2503,"spans":2504,"direction":1038},"Viele Anbieter führten schon 2014 das damals neue Video-Ident-Verfahren ein. Andere Anbieter zogen erst jetzt nach – so beispielsweise Zinspilot, einer der beiden großen Vermittler für Tages- und Festgeldkonten im europäischen Ausland. Auch hier war die FMH-Finanzberatung neugierig: Weshalb so spät – und weshalb jetzt doch?",[],{"type":1035,"text":2506,"spans":2507,"direction":1038},"“Wir haben in der Vergangenheit sehr gute Erfahrungen mit dem Post-Ident Verfahren gemacht. Die Quote erfolgreich abgeschlossener Anmeldungen war bei uns immer sehr hoch, auch wenn man hierfür als Kunde bislang eine Poststelle aufsuchen musste, sodass für uns kein dringender Handlungsbedarf in Richtung Video-Ident stand,“, erklärt Bennet Dunker von Zinspilot. „Uns war aber auch immer klar, dass wir das früher oder später einführen würden, weil es einfach Sinn macht alle technischen Möglichkeiten zu nutzen. Mit Beginn der Coronakrise und den daraus folgenden Shutdowns haben wir das dann priorisiert und sehr schnell umgesetzt.“",[],{"type":1035,"text":2509,"spans":2510,"direction":1038},"Der Erfolg des Verfahrens kommt für den Vermittler übrigens überraschend: „Jetzt, wo Video-Ident live ist, beobachten wir die Nutzung natürlich kontinuierlich. Bislang zeigt sich ungefähr eine 50\u002F50-Verteilung, was etwas höher ist als wir erwartet hatten und uns positiv überrascht.“",[],{"type":1035,"text":2512,"spans":2513,"direction":1038},"Fazit: Alle Verfahren haben ihre Daseinsberechtigung, denn die Neukunden haben sehr unterschiedliche Vorlieben. Sicher können Marketing und Kommunikation hier ihren Teil zur Beeinflussung beitragen, wenn ein Anbieter das eine oder andere Verfahren bevorzugt. Die teils hohen Abbruchraten sollten allerdings zu denken geben. Einerseits auf politischer Ebene, da zuverlässigeres, stärkeres Internet heute dringend flächendeckend in Deutschland erforderlich ist. Andererseits sollten vor allem vereinzelte Anbieter dringend ihre Servicekapazitäten prüfen und gegebenenfalls anpassen.",[2514],{"start":24,"end":1118,"type":1101},"text_block$fdd566a6-f6b9-4d1b-a0de-cc23117fdd43","Bankenumfrage: Post-Ident oder Video-Ident? | FMH.de","Post-Ident oder Video-Ident? Erfahren Sie, welche Legitimationsverfahren Banken zur Kontoeröffnung anbieten und wie Kunden diese nutzen. Jetzt lesen!",{"dimensions":2519,"alt":2436,"copyright":1458,"url":2520,"id":2453,"edit":2521},{"width":1439,"height":1440},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLommGNHVfTPDqU_34905db48631abd78c4af394af474de7aa7b2a60-video-ident-banken-kunden.jpg?auto=format%2Ccompress&rect=0%2C0%2C800%2C420&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":2523,"uid":1781,"url":2524,"type":319,"href":2525,"tags":2526,"first_publication_date":2527,"last_publication_date":2528,"slugs":2529,"linked_documents":2531,"lang":13,"alternate_languages":2532,"data":2533},"at8oAxEAACkAh0oS","\u002Fartikel\u002Fkeine-panik-die-zinsen-sinken","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22at8oAxEAACkAh0oS%22%29+%5D%5D",[],"2026-10-26T11:08:33+0000","2026-11-05T15:49:45+0000",[2530],"deutschland-erholt-sich",[],[],{"publication_date":2534,"last_edit_date":2534,"set_last_edit_date_today":45,"title":2535,"subtitle":5,"breadcrumb_title":5,"topic":2536,"teaser":2539,"author":2543,"cover":2546,"cover_position":1057,"table_of_content":1824,"toc_calculator":1059,"toc_selection":1060,"carousel_topic_filter":2554,"slices":2557,"meta_title":2864,"meta_description":2865,"meta_image":2866,"meta_indexed":1424},"2026-10-26","Keine Panik – die Zinsen sinken!",{"id":2150,"type":1026,"tags":2537,"lang":13,"slug":94,"first_publication_date":2152,"last_publication_date":2153,"uid":94,"link_type":43,"key":2538,"isBroken":45},[],"56efddf7-221e-4467-bd0a-afdff66c3986",[2540],{"type":1035,"text":2541,"spans":2542,"direction":1038},"„Bauzinsen auf 17-Jahres-Hoch“. - „Ist Baugeld bald unbezahlbar?“- „Bauzinsen steigen“. 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. ",[],{"id":2160,"type":1041,"tags":2544,"lang":13,"slug":2162,"first_publication_date":2163,"last_publication_date":2164,"uid":2162,"link_type":43,"key":2545,"isBroken":45},[],"4d25150d-2289-459b-ba80-e6e8a3741af7",{"dimensions":2547,"alt":2549,"copyright":2550,"url":2551,"id":2552,"edit":2553},{"width":2548,"height":2450},1200,"Viele Baukräne auf einer großen Baustelle vor wolkenlosem Himmel","Frank Wagner, shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FPWBsBqYMCjnC_Dsc_Mehrere-Kraehne-Skyline.jpg?auto=format,compress","PWBsBqYMCjnC_Dsc",{"x":24,"y":24,"zoom":25,"background":26},{"id":2150,"type":1026,"tags":2555,"lang":13,"slug":94,"first_publication_date":2152,"last_publication_date":2153,"uid":94,"link_type":43,"key":2556,"isBroken":45},[],"350834e0-cdce-48dc-9e6a-116d95ec1753",[2558,2587,2791],{"variation":1064,"version":1065,"items":2559,"primary":2560,"id":2586,"slice_type":1132,"slice_label":5},[],{"text":2561,"chart_alt":5},[2562,2565,2568,2571,2574,2577,2580,2583],{"type":1035,"text":2563,"spans":2564,"direction":1038},"Ich ärgere mich immer wieder, wenn Zeitungen, egal ob Boulevard-Blätter oder Wirtschaftszeitungen, nach Wochen einer Entwicklung nach oben, einen (vergangenen) Bauzins-Trend weiter Zukunftsvision verkaufen.",[],{"type":1035,"text":2566,"spans":2567,"direction":1038},"Genau das passiert aber im Moment. Und damit ist niemandem geholfen – am allerwenigsten jenen, die gerade über einen Hauskauf oder eine Umschuldung nachdenken. Vielleicht ist es ja wirklich so, dass sich schlechte Nachrichten besonders gut verkaufen.",[],{"type":1035,"text":2569,"spans":2570,"direction":1038},"Anders ist diese Art der Berichterstattung jedenfalls nicht zu erklären.",[],{"type":1035,"text":2572,"spans":2573,"direction":1038},"Ich verstehe es ja, dass die großen Vermittlerorganisationen und auch Bankvorstände nicht ohne weiteres sagen können: Liebe Leute, wartet ab, in ein paar Wochen werden wir wieder niedrigere Zinsen haben. Denn das würde das (aktuelle ohnehin schleppende Geschäft) erst recht abwürgen.",[],{"type":1035,"text":2575,"spans":2576,"direction":1038},"Die Fakten rechtfertigen es aber nicht, die Furcht vor steigenden Bauzinsen hochzuhalten.",[],{"type":1086,"text":2578,"spans":2579,"direction":1038},"Deutschland erholt sich",[],{"type":1035,"text":2581,"spans":2582,"direction":1038},"Die Höhe der Bauzinsen in Deutschland hängt stark von der Rendite der Bundesanleihe ab. Hohe Renditen lassen die Bauzinsen steigen, niedrige Renditen lassen sie sinken.",[],{"type":1035,"text":2584,"spans":2585,"direction":1038},"Doch während die Staatspapiere eine Weile lang immer höhere Erträge brachten, sinken die Renditen inzwischen wieder. Erzielte man im Ende September noch eine Rendite von 3,64 Prozent sind es aktuell nur noch 3,38 Prozent. Dennoch schreibt die Presse weiterhin von steigenden Bauzinsen.",[],"text_block$c697c8c4-d01f-4222-a093-a26341baf3dd",{"variation":1064,"version":1065,"items":2588,"primary":2589,"id":2789,"slice_type":2790,"slice_label":5},[],{"title":2590,"table":2591},"So stehen die G7-Staaten ökonomisch dar",{"body":2592},{"rows":2593},[2594,2620,2641,2662,2683,2704,2725,2746,2767],{"key":2595,"cells":2596},"7bc77a84-c231-44b9-a1be-d1a92150174c",[2597,2605,2613],{"key":2598,"type":1184,"content":2599},"f4095a2c-3bd2-4e99-bb92-c139290e403a",[2600],{"type":1035,"text":2601,"spans":2602,"direction":1038},"Staat",[2603],{"start":24,"end":2604,"type":1101},5,{"key":2606,"type":1184,"content":2607},"f9cf1a0d-cc9e-45a2-9473-0cc0633e9d97",[2608],{"type":1035,"text":2609,"spans":2610,"direction":1038},"Rendite 10-jährige Staatsanleihe",[2611],{"start":24,"end":2612,"type":1101},32,{"key":2614,"type":1184,"content":2615},"0b75f6ac-a318-4f7b-81cc-4780e935dc4a",[2616],{"type":1035,"text":2617,"spans":2618,"direction":1038},"Bruttostaatsschulden",[2619],{"start":24,"end":1362,"type":1101},{"key":2621,"cells":2622},"e54758fe-f2c3-4e46-b854-88f8aff53c72",[2623,2629,2635],{"key":2624,"type":1184,"content":2625},"670eab8f-1063-4029-b5a3-45acd7f59b90",[2626],{"type":1035,"text":2627,"spans":2628,"direction":1038},"Deutschland",[],{"key":2630,"type":1184,"content":2631},"ee6d1b32-e986-44af-af28-f7ec2091879d",[2632],{"type":1035,"text":2633,"spans":2634,"direction":1038},"3,40 Prozent",[],{"key":2636,"type":1184,"content":2637},"41854fc6-0016-4464-8b40-ef7a6ae3876f",[2638],{"type":1035,"text":2639,"spans":2640,"direction":1038},"62,7 Prozent des 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imf.org",[2776],{"start":1152,"end":2019,"type":1868,"data":2777},{"link_type":49,"url":2778,"target":52},"https:\u002F\u002Fwww.imf.org\u002Fen\u002Fhome",{"key":2780,"type":1184,"content":2781},"d0aef61c-477c-451d-ae2b-23d1e4f20fe6",[2782],{"type":1035,"text":2045,"spans":2783,"direction":1038},[],{"key":2785,"type":1184,"content":2786},"5b927069-d7b8-4efd-8018-21477969133e",[2787],{"type":1035,"text":2045,"spans":2788,"direction":1038},[],"basic_table$7b2df62c-06bd-456f-b258-8b27d0a85781","basic_table",{"variation":1064,"version":1065,"items":2792,"primary":2793,"id":2863,"slice_type":1132,"slice_label":5},[],{"text":2794,"chart_alt":2862},[2795,2798,2801,2809,2812,2815,2818,2821,2824,2832,2835,2837,2845,2847,2860],{"type":1035,"text":2796,"spans":2797,"direction":1038},"Seriöse Prognosen müssen davon ausgehen, dass auch die Bauzinsen in nächster Zeit wieder sinken werden. Die Trendwende hat sogar bereits begonnen. ",[],{"type":1035,"text":2799,"spans":2800,"direction":1038},"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":1035,"text":2802,"spans":2803,"direction":1038},"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.",[2804],{"start":2805,"end":2806,"type":1868,"data":2807},201,292,{"link_type":49,"url":2808,"target":52},"https:\u002F\u002Fwww.n-tv.de\u002Fwirtschaft\u002FDIW-hebt-Wachstumsprognose-fuer-deutsche-Wirtschaft-deutlich-an-id31261289.html",{"type":1035,"text":2810,"spans":2811,"direction":1038},"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":1035,"text":2813,"spans":2814,"direction":1038},"Auch in der momentanen Situation könnte Deutschland wieder der Einäugige unter den Blinden sein. ",[],{"type":1086,"text":2816,"spans":2817,"direction":1038},"Veränderte Rahmenbedingungen führen zu angepassten Prognosen",[],{"type":1035,"text":2819,"spans":2820,"direction":1038},"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":1035,"text":2822,"spans":2823,"direction":1038},"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":1035,"text":2825,"spans":2826,"direction":1038},"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.“ ",[2827],{"start":2828,"end":2829,"type":1868,"data":2830},117,127,{"link_type":49,"url":2831,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fvermittler\u002Fthomas-ruf",{"type":1035,"text":2833,"spans":2834,"direction":1038},"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":1035,"text":2045,"spans":2836,"direction":1038},[],{"type":2838,"oembed":2839},"embed",{"embed_url":2840,"type":2841,"version":2842,"provider_name":2843,"thumbnail_url":2840,"html":2844,"url":2840},"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":1035,"text":2045,"spans":2846,"direction":1038},[],{"type":1035,"text":2848,"spans":2849,"direction":1038},"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.",[2850,2855],{"start":2851,"end":2852,"type":1868,"data":2853},181,197,{"id":558,"type":107,"tags":2854,"lang":13,"slug":110,"first_publication_date":560,"last_publication_date":561,"uid":562,"url":563,"link_type":43,"isBroken":45},[109],{"start":2856,"end":2857,"type":1868,"data":2858},289,331,{"id":578,"type":579,"tags":2859,"lang":13,"slug":581,"first_publication_date":582,"last_publication_date":583,"url":584,"link_type":43,"isBroken":45},[],{"type":1035,"text":2045,"spans":2861,"direction":1038},[],"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":2867,"alt":2549,"copyright":2550,"url":2868,"id":2552,"edit":2869},{"width":1439,"height":1440},"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":2870,"zoom":25,"background":26},85,{"id":2872,"uid":1782,"url":2873,"type":319,"href":2874,"tags":2875,"first_publication_date":2876,"last_publication_date":2877,"slugs":2878,"linked_documents":2880,"lang":13,"alternate_languages":2881,"data":2882},"aMLyGxEAACIAiopO","\u002Fartikel\u002Ffinanzieren-in-schwierigen-zeiten-2024-04","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLyGxEAACIAiopO%22%29+%5D%5D",[94,366],"2025-11-06T12:53:10+0000","2026-07-24T08:10:40+0000",[2879],"mehr-als-zehn-prozent-eigenkapital-sind-oft-nicht-drin",[],[],{"publication_date":2883,"last_edit_date":2883,"set_last_edit_date_today":45,"title":2884,"subtitle":2885,"breadcrumb_title":5,"topic":2886,"teaser":2889,"author":2893,"cover":2894,"cover_position":1057,"table_of_content":1824,"toc_calculator":1059,"toc_selection":1060,"carousel_topic_filter":2900,"slices":2901,"meta_title":2955,"meta_description":2956,"meta_image":2957,"meta_indexed":1424},"2024-04-13","Finanzieren in schwierigen Zeiten","Die besten Immobilienkredite bis 90 Prozent Beleihung",{"id":2150,"type":1026,"tags":2887,"lang":13,"slug":94,"first_publication_date":2152,"last_publication_date":2153,"uid":94,"link_type":43,"key":2888,"isBroken":45},[],"85d0b1d5-f834-44ce-969b-3676a2364506",[2890],{"type":1035,"text":2891,"spans":2892,"direction":1038},"Hohe Preise, üppige Zinsen. Die Bedingungen für eine Baufinanzierung waren schon einmal besser. Angesichts unbezahlbarer Mieten denken viele Menschen trotzdem wieder über ein Eigenheim nach. Wo Käufer selbst mit wenig Eigenkapital gute Konditionen erhalten, hat die FMH-Finanzberatung für das Handelsblatt ermittelt.",[],{"link_type":43},{"dimensions":2895,"alt":2896,"copyright":1458,"url":2897,"id":2898,"edit":2899},{"width":1766,"height":1819},"Hand legt Holzwürfel ab die eine aufladende Batterie darstellen","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmZ2GNHVfTPDjF_b7d1a387ca92e103075a476d1bc218f6bc813c14-90Prozent-Beleihung.png?auto=format,compress","aMLmZ2GNHVfTPDjF",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[2902],{"variation":1064,"version":1065,"items":2903,"primary":2904,"id":2954,"slice_type":1132,"slice_label":5},[],{"text":2905,"chart_alt":5},[2906,2909,2912,2915,2918,2926,2929,2932,2935,2938,2941,2944,2946],{"type":1035,"text":2907,"spans":2908,"direction":1038},"Des einen Freud, ist des anderen Leid. Das gilt auch auf dem Immobilienmarkt. Weil es in begehrten Lagen kaum noch erschwingliche Mietobjekte gibt, steigt die Nachfrage nach Wohnungen und Häusern gerade wieder.",[],{"type":1035,"text":2910,"spans":2911,"direction":1038},"Allerdings sind die Preise nach wie vor beachtlich – und die Zinsen mit durchschnittlichen 3,52 Prozent ebenfalls. Zum Vergleich: Im März 2021 konnten Kunden noch für 0,77 Prozent finanzieren, der Durchschnitt der vergangenen zehn Jahre lag bei 1,70 Prozent und der der zurückliegenden 20 Jahre bei 2,84 Prozent.",[],{"type":1086,"text":2913,"spans":2914,"direction":1038},"Mehr als zehn Prozent Eigenkapital sind oft nicht drin",[],{"type":1035,"text":2916,"spans":2917,"direction":1038},"Für viele Familien, die trotz der schwierigen Rahmenbedingungen über den Kauf eines Eigenheimes nachdenken, sind vor allem Finanzierungen interessant, mit denen sich bis zu 90 Prozent des Kaufpreises bestreiten lassen.",[],{"type":1035,"text":2919,"spans":2920,"direction":1038},"Die FMH-Finanzberatung hat daher im Auftrag des Handelsblattes ermittelt, wo angehende Eigenheimbesitzer die besten Konditionen für eine Beleihung bis zu diesem Wert finden. Dabei haben wir den Fokus auf bundesweit finanzierenden Banken gelegt und sowohl die Werte für zehn, 15 und 20 Zinsbindung untersucht.",[2921,2925],{"start":2922,"end":2829,"type":1868,"data":2923},48,{"link_type":49,"url":2924,"target":52},"https:\u002F\u002Fwww.handelsblatt.com\u002Ffinanzen\u002Fimmobilien\u002Franking-zur-baufinanzierung-hier-gibt-es-die-guenstigsten-immobilienkredite-01\u002F100016313.html",{"start":2922,"end":2829,"type":1101},{"type":1086,"text":2927,"spans":2928,"direction":1038},"Flexibilität ist wichtiger denn je",[],{"type":1035,"text":2930,"spans":2931,"direction":1038},"Um die Spitzenreiter in diesem Marktsegment zu ermitteln, bildeten wir einen Mittelwert aus dem Zinsangebot für 50, 60, 70, 80 und 90 Prozent und legten diesen dem Ranking für die besten Immobilienkredite zugrunde.",[],{"type":1035,"text":2933,"spans":2934,"direction":1038},"Positiv auf die Bewertung wirkte es sich zudem aus, wenn die Bank eine Tilgungsveränderung während der Kreditlaufzeit zu fairen Konditionen erlaubt. Dieser Umstand war uns wichtig. Denn in bewegten Zeiten wie diesen ist es elementar, dass sich langlaufende Verträge den eigenen Lebensumständen anpassen lassen.",[],{"type":1086,"text":2936,"spans":2937,"direction":1038},"Das sind die Spitzenreiter bei Finanzierungen bis 90 Prozent",[],{"type":1035,"text":2939,"spans":2940,"direction":1038},"Bei allen drei Zinsfestschreibungen schaffte es die Commerzbank auf einen Spitzenrang. Die 1822direkt erhielt bei zehn und 15 Jahren Zinsbindung die Note „sehr gut“. Die Degussa Bank konnte sich bei zehn und 20 Jahre fest einen Platz auf dem Treppchen sichern.",[],{"type":1035,"text":2942,"spans":2943,"direction":1038},"Bei 20 Jahre fest waren zudem zwei bundesweit finanzierende PSD-Banken auf den vorderen Plätzen vertreten – die PSD Bank Nord und die PSD Bank Nürnberg.",[],{"type":1035,"text":2045,"spans":2945,"direction":1038},[],{"type":1035,"text":2947,"spans":2948,"direction":1038},"Sollten Sie die für Ihre Zwecke optimal geeignete Bank suchen, empfehlen wir den Immobilienkredit-Vergleich auf der FMH-Seite.",[2949,2953],{"start":2950,"end":2054,"type":1868,"data":2951},81,{"id":558,"type":107,"tags":2952,"lang":13,"slug":110,"first_publication_date":560,"last_publication_date":561,"uid":562,"url":563,"link_type":43,"isBroken":45},[109],{"start":2950,"end":2054,"type":1101},"text_block$aaa13913-1b32-4213-abd5-cd026c8889d6","Bauzinsen im Vergleich: Die besten Konditionen | FMH","Die besten Immobilienkredite 2024 im Vergleich: FMH-Finanzberatung ermittelt für das Handelsblatt attraktive Angebote. Jetzt informieren.",{"dimensions":2958,"alt":2896,"copyright":1458,"url":2959,"id":2898,"edit":2960},{"width":1439,"height":1440},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmZ2GNHVfTPDjF_b7d1a387ca92e103075a476d1bc218f6bc813c14-90Prozent-Beleihung.png?auto=format%2Ccompress&rect=0%2C0%2C1000%2C525&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":2962,"uid":1783,"url":2963,"type":319,"href":2964,"tags":2965,"first_publication_date":2967,"last_publication_date":2968,"slugs":2969,"linked_documents":2971,"lang":13,"alternate_languages":2972,"data":2973},"aMLyAREAACIAiooV","\u002Fartikel\u002Fdie-besten-goldsparplaene-2023-12","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLyAREAACIAiooV%22%29+%5D%5D",[366,2966],"goldsparplaene","2025-11-05T14:24:13+0000","2026-07-24T08:37:07+0000",[2970],"in-kleinen-schritten-zum-ersten-goldstuck",[],[],{"publication_date":2974,"last_edit_date":2974,"set_last_edit_date_today":45,"title":2975,"subtitle":2976,"breadcrumb_title":5,"topic":2977,"teaser":2980,"author":2984,"cover":2987,"cover_position":1057,"table_of_content":1824,"toc_calculator":1059,"toc_selection":1060,"carousel_topic_filter":2995,"slices":2996,"meta_title":3046,"meta_description":3047,"meta_image":3048,"meta_indexed":1424},"2023-12-11","Die besten Goldsparpläne 2023","FMH-Auszeichnung für verschiedene Anlegertypen",{"id":1800,"type":1026,"tags":2978,"lang":13,"slug":1802,"first_publication_date":1803,"last_publication_date":1804,"uid":1802,"link_type":43,"key":2979,"isBroken":45},[],"5c33f6fc-e52c-4ea7-9a3d-9c96c3f2512a",[2981],{"type":1035,"text":2982,"spans":2983,"direction":1038},"Wenn eine Sache in Gold aufgewogen wird, dann hat sie einen besonders hohen Wert. Heißt es. Doch lohnt sich das Investment in das teure Edelmetall auch für Kleinsparer? Und wo können Einsteiger schon mit überschaubaren Beträgen in Gold investieren?",[],{"id":1811,"type":1041,"tags":2985,"lang":13,"slug":1813,"first_publication_date":1814,"last_publication_date":1815,"uid":1813,"link_type":43,"key":2986,"isBroken":45},[],"e4e7a572-3f38-405d-8df8-1f490e5f91b5",{"dimensions":2988,"alt":2991,"copyright":1458,"url":2992,"id":2993,"edit":2994},{"width":2989,"height":2990},1024,683,"Schwarze Schale mit Goldbarren drauf","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmmGGNHVfTPDj1_169e956f37f527f8fd3fc9ca4e27657c6f23a2bd-shutterstock_2399306827_Gold.png?auto=format,compress","aMLmmGGNHVfTPDj1",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[2997],{"variation":1064,"version":1065,"items":2998,"primary":2999,"id":3045,"slice_type":1132,"slice_label":5},[],{"text":3000,"chart_alt":5},[3001,3004,3007,3010,3016,3019,3022,3025,3033,3036,3039,3042],{"type":1035,"text":3002,"spans":3003,"direction":1038},"In Krisenzeiten ist Gold von jeher eine gefragte Geldanlage. Und weil die Welt sich im Moment in einer Art Dauerkrisenmodus befindet, ist die Feinunze derzeit ausgesprochen teuer. Nur wenige Anleger dürften vor diesem Hintergrund gerade die Mittel haben, sich mit Goldbarren oder Münzen einzudecken.",[],{"type":1035,"text":3005,"spans":3006,"direction":1038},"In Gold investieren können Normalsterbliche aber trotzdem – zum Beispiel mit einem Goldsparplan. Ihn gibt es in zwei Spielarten.",[],{"type":1070,"text":3008,"spans":3009,"direction":1038},"In kleinen Schritten zum ersten Goldstück",[],{"type":1035,"text":3011,"spans":3012,"direction":1038},"Bei der ersten zahlen Kunden pro Monat einen festen Betrag in den Sparplan ein, der vom Anbieter dann genutzt wird, um physisches Gold zu erwerben. Die Sparer erwerben also nur Bruchteilseigentum an dem im Tresor des Anbieters gelagerten Edelmetall. Jedoch wird ihr Anteil monatlich um einen variierenden Part aufgestockt – je nachdem, wie hoch der Goldkurs gerade ist.",[3013],{"start":3014,"end":3015,"type":1101},177,195,{"type":1035,"text":3017,"spans":3018,"direction":1038},"Diese Form des Goldsparens ist eigentlich nicht zur Auslieferung gedacht, da bei einer Auslieferung noch Form- und Auslieferungskosten hinzukämen.",[],{"type":1035,"text":3020,"spans":3021,"direction":1038},"Die Alternative zu dieser Form des Sparplans, ist das sogenannte Zielsparen. Dabei bestimmen Anleger eine Barrengröße oder eine Münze, die sie erwerben wollen und investieren dann Monat für Monat einen fixen Betrag in den Sparplan, bis das Ziel erreicht ist. „Manche Anbieter verwenden die Sparraten sofort zum Kauf“, erläutert Beate Balke von der FMH-Finanzberatung. „Andere warten ab, bis die Zielsumme erreicht ist, um die gewählte Barren- oder Münzgröße zu erwerben.“ Spätestens dann aber erhalten Sparer bei dieser Variante ihr Gold nach Hause ausgeliefert.",[],{"type":1070,"text":3023,"spans":3024,"direction":1038},"Viele schwarze Schafe",[],{"type":1035,"text":3026,"spans":3027,"direction":1038},"Doch finden Interessenten das beste Preis-Leistungsverhältnis, wenn sie per Sparplan in das begehrte Edelmetall investieren wollen? Da der Markt nach wie vor sehr unübersichtlich ist, hat die FMH-Finanzberatung im Auftrag der WirtschaftsWoche ein exklusives Ranking erstellt und die Angebote von zwölf seriösen Anbietern unter die Lupe genommen. Dabei haben wir neben der Mindestsparrate auch die Gebühren bei Kauf und Verkauf sowie die Lagerkosten vergleichen.",[3028],{"start":3029,"end":3030,"type":1868,"data":3031},214,242,{"link_type":49,"url":3032,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fgeldanlage\u002Fsicherer-hafen-das-sind-die-besten-goldsparplaene\u002F29513426.html",{"type":1086,"text":3034,"spans":3035,"direction":1038},"Bester Goldsparplan für Bruchteilseigentum",[],{"type":1035,"text":3037,"spans":3038,"direction":1038},"Für Bruchteilseigentum haben Degussa Sonne\u002FMond Goldhandel, Noble Metal Factory, Solit Group und Gold Republic die besten Angebote.",[],{"type":1086,"text":3040,"spans":3041,"direction":1038},"Bester Goldsparplan für Zielsparen",[],{"type":1035,"text":3043,"spans":3044,"direction":1038},"Beim Zielsparen schaffen es Ophirum, Degussa Sonne\u002FMond Goldhandel und Meine Schatzkammer auf die vorderen Plätze.",[],"text_block$a6fa8434-ce4d-45fd-80d0-de5db374fa3c","Gold-Sparpläne im Vergleich: Die besten Anbieter | FMH","Die besten Goldsparpläne 2023 im Vergleich: FMH bewertet Gebühren, Sparraten und Zielsparen. Jetzt den passenden Goldsparplan finden.",{"dimensions":3049,"alt":2991,"copyright":1458,"url":3050,"id":2993,"edit":3051},{"width":1439,"height":1440},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmmGGNHVfTPDj1_169e956f37f527f8fd3fc9ca4e27657c6f23a2bd-shutterstock_2399306827_Gold.png?auto=format%2Ccompress&rect=0%2C0%2C1024%2C538&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26}]