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Es ist ein Ort zum Leben, der sich mit den Bedürfnissen seiner Bewohner verändern muss. Egal, ob sich die Familiensituation verändert, weil Kinder geboren werden oder das Nest verlassen: Wer renovieren, modernisieren oder energetisch sanieren möchte, braucht dafür oft einen finanziellen Spielraum. Ein Wohnkredit oder Modernisierungskredit ist die passende Lösung, wenn Sie Ihr Haus oder Ihre Wohnung auf ein neues Level bringen möchten, ohne gleich eine aufwendige Baufinanzierung mit Grundbucheintrag aufzunehmen. ",[1374,1378],{"start":1375,"end":1376,"type":1377},360,370,"strong",{"start":1379,"end":1380,"type":1377},376,397,{"type":1031,"text":1382,"spans":1383,"direction":1034},"Anders als klassische Immobilienkredite sind Wohn- oder Modernisierungskredite Ratenkredite, die in der Regel ohne Grundbuchabsicherung auskommen. 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Mit flexiblen Laufzeiten und optionaler Ratenschutzversicherung bleiben Sie jederzeit finanziell beweglich.",[1437,1439,1444,1445,1448,1451,1454,1457],{"start":24,"end":1438,"type":1377},45,{"start":1440,"end":1441,"type":1387,"data":1442},50,69,{"link_type":49,"url":1443,"target":52},"https:\u002F\u002Fwww.dkb.de\u002Fprivatkunden\u002Fkredite\u002Fmodernisierungskredit",{"start":1440,"end":1441,"type":1377},{"start":1446,"end":1447,"type":1377},77,104,{"start":1449,"end":1450,"type":1377},106,132,{"start":1452,"end":1453,"type":1377},142,161,{"start":1455,"end":1456,"type":1377},196,216,{"start":1458,"end":1459,"type":1377},232,255,{"type":1434,"text":1461,"spans":1462,"direction":1034},"Für Umweltbewusste und Werteorientierte: Der ÖkoKredit der EthikBank* finanziert nachhaltige und soziale Projekte – mit Festzins über die gesamte Laufzeit, kostenlosen Sondertilgungen und schneller Zusage. ",[1463,1465,1468,1469,1472,1475,1478],{"start":24,"end":1464,"type":1377},40,{"start":1438,"end":1441,"type":1387,"data":1466},{"link_type":49,"url":1467,"target":52},"https:\u002F\u002Fwww.ethikbank.de\u002Fprivatkunden\u002Fkredite\u002Foekokredit",{"start":1438,"end":1441,"type":1377},{"start":1470,"end":1471,"type":1377},81,113,{"start":1473,"end":1474,"type":1377},120,154,{"start":1476,"end":1477,"type":1377},156,183,{"start":1479,"end":1480,"type":1377},188,204,{"type":1434,"text":1482,"spans":1483,"direction":1034},"Für alle, die auf geprüfte Qualität setzen: Das Sanierungs- und Modernisierungsdarlehen der ING* wurde mit „Sehr gut“ bewertet (Handelsblatt & FMH, 2026). 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Für Sie entstehen keine Mehrkosten und Sie unterstützen damit unsere unabhängigen Vergleiche. ",[1509,1510],{"start":24,"end":25,"type":1377},{"start":1511,"end":1512,"type":1377},138,172,"text_block$58f9f81a-11d9-44d6-8eda-e9cbb25b6c01",{"variation":1366,"version":1367,"items":1515,"primary":1516,"id":1544,"slice_type":1545,"slice_label":5},[],{"heading":1517,"title":1518,"text":1519,"image":1531,"rounded_image":1539,"button_link":1540},"Von FMH-Finanzberatung und Handelsblatt ausgezeichnet","Die besten Sanierungs- und Modernisierungsdarlehen",[1520,1523,1526,1528],{"type":1031,"text":1521,"spans":1522,"direction":1034},"Welche Sanierungs- und Modernisierungsdarlehen wurden zuletzt ausgezeichnet?\n",[],{"type":1031,"text":1524,"spans":1525,"direction":1034},"Die FMH-Finanzberatung untersuchte im Auftrag des Handelsblatts, welche Darlehen für Sanierungen und Modernisierungen besonders günstige Konditionen bieten. 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– 75.000 € ",[],{"key":1692,"type":1659,"content":1693},"c760d4bd-943e-4fe2-b5bf-54dbf9d401d8",[1694,1697],{"type":1031,"text":1695,"spans":1696,"direction":1034},"Von etwa 20.000 €  ",[],{"type":1031,"text":1698,"spans":1699,"direction":1034},"bis unbegrenzt ",[],{"key":1701,"cells":1702},"edd5e2a9-43f6-4ea2-972b-70998c52b5f1",[1703,1709,1715],{"key":1704,"type":1659,"content":1705},"3c99c233-06c7-4ca8-9402-d3fa1f5f49db",[1706],{"type":1031,"text":1707,"spans":1708,"direction":1034},"Laufzeit ",[],{"key":1710,"type":1659,"content":1711},"7c7b3967-8973-48b3-aa34-42cf887da136",[1712],{"type":1031,"text":1713,"spans":1714,"direction":1034},"1 – 10 Jahre ",[],{"key":1716,"type":1659,"content":1717},"58583038-4294-4728-9aea-89884e4f1060",[1718],{"type":1031,"text":1719,"spans":1720,"direction":1034},"10 – 40 Jahre ",[],{"key":1722,"cells":1723},"9f26bb0b-a833-4e18-aa96-5e096fdf36ed",[1724,1730,1736],{"key":1725,"type":1659,"content":1726},"d70e69e1-36e9-49d6-9c9f-3a84ce9830c5",[1727],{"type":1031,"text":1728,"spans":1729,"direction":1034},"Zinsen ",[],{"key":1731,"type":1659,"content":1732},"dffc2ebf-9151-406a-b19c-759f357d6552",[1733],{"type":1031,"text":1734,"spans":1735,"direction":1034},"Meist zwischen 5 und 10% ",[],{"key":1737,"type":1659,"content":1738},"023c407d-e586-48c9-afc1-107838812fd0",[1739,1742],{"type":1031,"text":1740,"spans":1741,"direction":1034},"Im Durchschnitt 3 bis 4,5% mit ",[],{"type":1031,"text":1743,"spans":1744,"direction":1034},"Grundbuchabsicherung ",[],{"key":1746,"cells":1747},"a46434c1-62e8-496f-983c-ad78a7d232bc",[1748,1754,1760],{"key":1749,"type":1659,"content":1750},"75ab1d90-4347-4618-8376-8de3cf9072f1",[1751],{"type":1031,"text":1752,"spans":1753,"direction":1034},"Verwendung ",[],{"key":1755,"type":1659,"content":1756},"175563ea-006f-49a2-930f-f1835fb22862",[1757],{"type":1031,"text":1758,"spans":1759,"direction":1034},"Renovierung, Modernisierung ",[],{"key":1761,"type":1659,"content":1762},"b1f28649-05bd-4416-b4c9-13626b218123",[1763],{"type":1031,"text":1764,"spans":1765,"direction":1034},"Hauskauf, Neubau ",[],{"key":1767,"cells":1768},"b005759d-e34d-43cd-aceb-622599c4c7a1",[1769,1775,1781],{"key":1770,"type":1659,"content":1771},"cc1eb9b4-0d8e-4f55-b25b-74d13fd0c4bb",[1772],{"type":1031,"text":1773,"spans":1774,"direction":1034},"Abwicklung ",[],{"key":1776,"type":1659,"content":1777},"596f71c6-40a4-42e0-9b29-e98ce33d94f2",[1778],{"type":1031,"text":1779,"spans":1780,"direction":1034},"Schnell & unbürokratisch ",[],{"key":1782,"type":1659,"content":1783},"71aa9812-198c-40de-943e-206a1004c8fa",[1784],{"type":1031,"text":1785,"spans":1786,"direction":1034},"Aufwendiger (Notar, Unterlagen) ",[],"basic_table$5838f291-12c8-4eb1-98b8-6edfb3b82654","basic_table",{"variation":1366,"version":1367,"items":1790,"primary":1791,"id":1897,"slice_type":1501,"slice_label":5},[],{"text":1792,"chart_alt":5},[1793,1799,1801,1804,1807,1812,1817,1822,1826,1828,1831,1834,1840,1849,1854,1858,1863,1865,1868,1871,1874,1880,1886,1889,1891,1894],{"type":1031,"text":1794,"spans":1795,"direction":1034},"👉 Fazit: Ein Modernisierungskredit ist die richtige Wahl, wenn Sie kleinere oder mittlere Maßnahmen finanzieren möchten – schnell, flexibel und ohne Grundbuchaufwand. ",[1796],{"start":1797,"end":1798,"type":1377},3,9,{"type":1031,"text":1572,"spans":1800,"direction":1034},[],{"type":1401,"text":1802,"spans":1803,"direction":1034},"Was beeinflusst die Zinsen eines Modernisierungskredits? ",[],{"type":1031,"text":1805,"spans":1806,"direction":1034},"Die Konditionen hängen, wie bei jedem Ratenkredit, von mehreren Faktoren ab: ",[],{"type":1434,"text":1808,"spans":1809,"direction":1034},"Bonität: Einkommen, Beschäftigungsverhältnis, laufende Verpflichtungen. ",[1810],{"start":24,"end":1811,"type":1377},8,{"type":1434,"text":1813,"spans":1814,"direction":1034},"Kreditsumme und Laufzeit: Höhere Kreditbeträge oder längere Laufzeiten führen meist zu leicht höheren Zinsen. ",[1815],{"start":24,"end":1816,"type":1377},25,{"type":1434,"text":1818,"spans":1819,"direction":1034},"Verwendungszweck: Ein Nachweis über die geplanten Modernisierungsmaßnahmen kann die Konditionen verbessern. ",[1820],{"start":24,"end":1821,"type":1377},17,{"type":1434,"text":1823,"spans":1824,"direction":1034},"Marktzinsniveau: Auch Leitzins-Entscheidungen der Europäischen Zentralbank wirken sich auf die Konditionen von Ratenkrediten aus. ",[1825],{"start":24,"end":1413,"type":1377},{"type":1031,"text":1572,"spans":1827,"direction":1034},[],{"type":1401,"text":1829,"spans":1830,"direction":1034},"So kommen Sie an einen Modernisierungskredit ",[],{"type":1031,"text":1832,"spans":1833,"direction":1034},"Das Verfahren ähnelt dem bei der Beantragung eines klassischen Ratenkredits: ",[],{"type":1835,"text":1836,"spans":1837,"direction":1034},"o-list-item","Kreditbedarf prüfen: Was soll finanziert werden und wie hoch ist der Kapitalbedarf? ",[1838],{"start":24,"end":1839,"type":1377},20,{"type":1835,"text":1841,"spans":1842,"direction":1034},"Vergleich durchführen: Mit dem FMH-Vergleich (wählen Sie dann beim „Finanzierungszweck“ Wohnkredit aus) sehen Sie sofort die besten Konditionen verschiedener Banken. ",[1843,1844],{"start":24,"end":1408,"type":1377},{"start":1845,"end":1846,"type":1387,"data":1847},31,44,{"id":377,"type":107,"tags":1848,"lang":13,"slug":110,"first_publication_date":379,"last_publication_date":380,"uid":381,"url":382,"link_type":43,"isBroken":45},[109],{"type":1835,"text":1850,"spans":1851,"direction":1034},"Entscheidung zu Kreditlaufzeit: Die Laufzeit des Kredits beeinflusst die Konditionen. Mit dem Vergleichsrechner können sie verschiedene Laufzeiten und deren Kosten durchrechnen lassen.  ",[1852],{"start":24,"end":1853,"type":1377},30,{"type":1835,"text":1855,"spans":1856,"direction":1034},"Antrag stellen: Die Bank benötigt Angaben zu Ihrem Einkommen, Ihren regelmäßigen Ausgaben und zum geplanten Modernisierungsvorhaben. Oft genügen bereits Gehaltsabrechnungen. Manche Banken nutzen auch den sogenannten Kontoblick. Damit können sie die Umsätze Ihres Girokontos der letzten drei Monate einsehen. ",[1857],{"start":24,"end":1651,"type":1377},{"type":1835,"text":1859,"spans":1860,"direction":1034},"Vertragsabschluss und Auszahlung: Nach der Prüfung erfolgt die Auszahlung in der Regel binnen weniger Tage. ",[1861],{"start":24,"end":1862,"type":1377},33,{"type":1031,"text":1572,"spans":1864,"direction":1034},[],{"type":1401,"text":1866,"spans":1867,"direction":1034},"Vorzeitige Rückzahlung und Sondertilgung ",[],{"type":1031,"text":1869,"spans":1870,"direction":1034},"Da es sich bei Modernisierungs- und Wohnkrediten um ungesicherte Darlehen handelt, können Kunden ihre Schulden jederzeit ganz oder teilweise vorzeitig abzahlen. Dies ist gesetzlich so vorgesehen. ",[],{"type":1031,"text":1872,"spans":1873,"direction":1034},"Allerdings dürfen die Banken bei Sondertilgung oder kompletter vorzeitiger Rückzahlung eine Entschädigung verlangen. Die ist im Vergleich zu den Werten, die bei einer vorzeitigen Tilgung eines Baudarlehens anfallen, allerdings sehr überschaubar. ",[],{"type":1434,"text":1875,"spans":1876,"direction":1034},"Bei einer Restlaufzeit von mehr als zwölf Monaten darf die Bank höchstens ein Prozent des vorzeitig zurückgezahlten Betrages als Entschädigung verlangen. ",[1877],{"start":1878,"end":1879,"type":1377},74,85,{"type":1434,"text":1881,"spans":1882,"direction":1034},"Bei einer Restlaufzeit von weniger als einem Jahr ist die Entschädigung sogar auf maximal 0,5 Prozent des Betrages gedeckelt. ",[1883],{"start":1884,"end":1885,"type":1377},90,124,{"type":1031,"text":1887,"spans":1888,"direction":1034},"Viele Banken verzichten inzwischen ganz auf diese Gebühr. ",[],{"type":1031,"text":1398,"spans":1890,"direction":1034},[],{"type":1401,"text":1892,"spans":1893,"direction":1034},"Warum Immobilienbesitzer von Modernisierungskrediten besonders profitieren ",[],{"type":1031,"text":1895,"spans":1896,"direction":1034},"Wer regelmäßig in seine Immobilie investiert, steigert nicht nur den Wohnkomfort, sondern auch den Wert des Hauses. Je nachdem, wofür ein Eigentümer das Geld verwendet, lassen sich die Energiekosten senken und der Wohnwert erhöhen. Manchmal wird das Eigenheim durch einen Umbau auch einfach schöner. ",[],"text_block$535b565a-afb0-4b6b-97d5-a6a11556ecd0",{"variation":1366,"version":1367,"items":1899,"primary":1900,"id":2037,"slice_type":67,"slice_label":5},[],{"title":1901,"center_title":45,"border":1539,"open_close_icon":1902,"max_width":1903,"list":1904},"Häufig gestellte Fragen zum Wohn- und Modernisierungskredit","Caret","none",[1905,1916,1935,1945,1955,1972,2006,2026],{"question":1906,"answer":1907},"Was ist ein Modernisierungskredit?",[1908],{"type":1031,"text":1909,"spans":1910,"direction":1034},"Ein Modernisierungs- oder Wohnkredit ist ein Ratenkredit für Renovierungen und Modernisierungen. Anders als bei einer Baufinanzierung ist hier keine Grundbucheintragung nötig.",[1911,1913],{"start":1438,"end":1912,"type":1377},95,{"start":1914,"end":1915,"type":1377},143,168,{"question":1917,"answer":1918},"Was ist der Unterschied zwischen Wohn- und Modernisierungskredit?",[1919],{"type":1031,"text":1920,"spans":1921,"direction":1034},"Im Grunde gibt es keinen großen Unterschied. Manche Banken nennen das Produkt Wohnkredit, andere Modernisierungskredit. Teilweise wird der Begriff Wohnkredit auch für Darlehen zur Anschaffung von Möbeln oder Einrichtungsgegenständen verwendet. Diese erhalten jedoch keine besseren Zinsen, da Möbel ihren Wert langfristig nicht halten.",[1922,1924,1927,1930,1932],{"start":1923,"end":1485,"type":1377},18,{"start":1925,"end":1926,"type":1377},78,88,{"start":1928,"end":1929,"type":1377},97,118,{"start":1931,"end":1458,"type":1377},167,{"start":1933,"end":1934,"type":1377},266,287,{"question":1936,"answer":1937},"Welche Kreditsumme ist möglich?",[1938],{"type":1031,"text":1939,"spans":1940,"direction":1034},"Je nach Bonität und Einkommen sind Kreditsummen bis zu 75.000 Euro möglich, in Einzelfällen auch mehr.",[1941,1943],{"start":1811,"end":1942,"type":1377},29,{"start":1944,"end":1878,"type":1377},55,{"question":1946,"answer":1947},"Muss ich Eigentümer sein, um einen Modernisierungskredit zu bekommen?",[1948],{"type":1031,"text":1949,"spans":1950,"direction":1034},"Ja. Vergünstigte Modernisierungskredite vergeben Banken in der Regel nur an Immobilieneigentümerinnen und -eigentümer.",[1951,1954],{"start":1952,"end":1953,"type":1377},4,39,{"start":1441,"end":1494,"type":1377},{"question":1956,"answer":1957},"Welche Unterlagen werden benötigt?",[1958],{"type":1031,"text":1959,"spans":1960,"direction":1034},"In der Regel genügt ein Gehaltsnachweis oder alternativ die Zustimmung zum Kontoblick. Damit erlauben Sie der Bank, den Girokontoverlauf der letzten drei Monate zu durchleuchten. Zudem verlangen viele Institute in der Regel einen Kostenvoranschläge oder Handwerkerrechnungen, um den Verwendungszweck zu belegen.",[1961,1962,1964,1966,1969],{"start":1418,"end":1953,"type":1377},{"start":1963,"end":1879,"type":1377},75,{"start":1473,"end":1965,"type":1377},160,{"start":1967,"end":1968,"type":1377},230,274,{"start":1970,"end":1971,"type":1377},283,299,{"question":1973,"answer":1974},"Was ist günstiger: Baufinanzierung oder Modernisierungskredit?",[1975,1990],{"type":1031,"text":1976,"spans":1977,"direction":1034},"Betrachtet man nur die Zinsen, ist eine Baufinanzierung fast immer günstiger. Wer jedoch Flexibilität und einfache Abwicklung bevorzugt, ist mit einem Modernisierungs- oder Wohnkredit besser beraten.\nBei höheren Summen kann allerdings die Ratenhöhe gegen einen Wohnkredit sprechen.",[1978,1980,1982,1985,1987],{"start":1979,"end":1942,"type":1377},23,{"start":1464,"end":1981,"type":1377},76,{"start":1983,"end":1984,"type":1377},89,125,{"start":1986,"end":1477,"type":1377},151,{"start":1988,"end":1989,"type":1377},239,248,{"type":1031,"text":1991,"spans":1992,"direction":1034},"Beispiel:\nEin Kreditbetrag über 75.000 Euro kostet als Wohnkredit im Durchschnitt selbst bei einer langen Laufzeit von 120 Monaten monatlich rund 825 Euro.\nWird derselbe Betrag grundbuchlich gesichert und als Volltilgerdarlehen über 15 Jahre abgeschlossen, liegt die monatliche Rate im Schnitt bei etwa 550 Euro.",[1993,1994,1996,1998,2001,2003],{"start":24,"end":1798,"type":1377},{"start":1995,"end":1485,"type":1377},32,{"start":1997,"end":1474,"type":1377},146,{"start":1999,"end":2000,"type":1377},177,200,{"start":2002,"end":1615,"type":1377},209,{"start":2004,"end":2005,"type":1377},303,311,{"question":2007,"answer":2008},"Kann ich den Kredit vorzeitig zurückzahlen?",[2009,2020],{"type":1031,"text":2010,"spans":2011,"direction":1034},"Ja. Sondertilgungen oder vollständige Rückzahlungen sind jederzeit möglich. Die Bank darf dabei eine Vorfälligkeitsentschädigung verlangen – höchstens ein Prozent des vorzeitig getilgten Betrags. Vorausgesetzt, der Vertrag ist nicht grundbuchlich gesichert, denn dann müsste die Bank zustimmen und könnte ein anderes Entschädigungsentgelt verlangen.\nBeispiel: 10.000 Euro vorzeitige Rückzahlung = 100 Euro Entschädigung. ",[2012,2014,2016,2018],{"start":1952,"end":2013,"type":1377},51,{"start":1488,"end":2015,"type":1377},128,{"start":1986,"end":2017,"type":1377},162,{"start":1380,"end":2019,"type":1377},419,{"type":1031,"text":2021,"spans":2022,"direction":1034},"Bei einer Restlaufzeit unter einem Jahr beträgt sie 0,5 Prozent",[2023],{"start":2024,"end":2025,"type":1377},52,63,{"question":2027,"answer":2028},"Welche Kreditlaufzeit sollte ich wählen?",[2029],{"type":1031,"text":2030,"spans":2031,"direction":1034},"Da Sie einen Wohn- oder Modernisierungskredit jederzeit teilweise oder vollständig zurückzahlen können, ist eine längere Laufzeit meist vorteilhaft. 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