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",[1395],{"start":24,"end":1396,"type":1372},19,{"type":1392,"text":1398,"spans":1399,"direction":1034},"Laufzeit: Die Kreditlaufzeit sollte nicht länger sein als die Lebensdauer des finanzierten Gegenstands. ",[1400],{"start":24,"end":1401,"type":1372},9,{"type":1392,"text":1403,"spans":1404,"direction":1034},"Restschuldversicherung: In den meisten Fällen ist sie überflüssig und teuer. Sie wird sehr selten angeboten.",[1405],{"start":24,"end":1406,"type":1372},23,{"type":1392,"text":1408,"spans":1409,"direction":1034},"Vorzeitige Rückzahlung: Jederzeit möglich. Die Bank darf laut Gesetz nur eine geringe Entschädigung verlangen (max. ein Prozent der Restschuld, bei einer Restlaufzeit weniger als einem Jahr ist die Entschädigung auf 0,5 Prozent begrenzt.)",[1410],{"start":24,"end":1406,"type":1372},{"type":1392,"text":1412,"spans":1413,"direction":1034},"Ratenhöhe: Die Rate sollte dauerhaft tragbar sein. Kürzere Laufzeiten sind in den Gesamtkosten günstiger, längere Laufzeiten haben dafür geringere Raten. ",[1414],{"start":24,"end":1415,"type":1372},10,{"type":1388,"text":1417,"spans":1418,"direction":1034},"Für jeden das richtige Angebot ",[],{"type":1392,"text":1420,"spans":1421,"direction":1034},"Für alle, die flexibel finanzieren möchten: Der Ratenkredit der ING* startet bereits ab 3,99 %, ist zur freien Verwendung und komplett online beantragbar mit ist verbunden mit  0,20 % Zins-Rabatt ab einem Kreditbetrag von 40.001 €.",[1422,1424,1429,1430,1433,1436,1439],{"start":24,"end":1423,"type":1372},43,{"start":1425,"end":1426,"type":1368,"data":1427},48,68,{"link_type":49,"url":1428,"target":52},"https:\u002F\u002Fwww.financeads.net\u002Ftc.php?t=30062C12415155T&subid={RID}=fjdrRK",{"start":1425,"end":1426,"type":1372},{"start":1431,"end":1432,"type":1372},88,94,{"start":1434,"end":1435,"type":1372},100,121,{"start":1437,"end":1438,"type":1372},135,153,{"start":1440,"end":1441,"type":1372},177,196,{"type":1392,"text":1443,"spans":1444,"direction":1034},"Für alle, die nachhaltig denken: Der FAIRverbraucherkredit der EthikBank* ermöglicht eine verantwortungsvolle Finanzierung – fair, transparent und klimafreundlich. Ideal, wenn Ihnen ethische Standards wichtig sind.",[1445,1447,1452,1454,1456],{"start":24,"end":1446,"type":1372},32,{"start":1448,"end":1449,"type":1368,"data":1450},37,73,{"link_type":49,"url":1451,"target":52},"https:\u002F\u002Fwww.ethikbank.de\u002Fprivatkunden\u002Fkredite\u002Ffairbraucherkredit",{"start":1448,"end":1453,"type":1372},58,{"start":1455,"end":1449,"type":1372},63,{"start":1457,"end":1458,"type":1372},125,162,{"type":1392,"text":1460,"spans":1461,"direction":1034},"Für Schnellentschlossene mit digitalem Überblick: Der Ratenkredit der Bank of Scotland* überzeugt mit Zinsen ab 5,52 % und einem besonderen Vorteil bei digitalem Kontoblick – effizient, modern und dauerhaft günstig.",[1462,1464,1469,1470,1473],{"start":24,"end":1463,"type":1372},49,{"start":1465,"end":1466,"type":1368,"data":1467},54,87,{"link_type":49,"url":1468,"target":52},"https:\u002F\u002Fwww.bankofscotland.de\u002Fkredit\u002Fratenkredit?utm_source=google&utm_medium=sea&utm_campaign=ratenkredit&utm_content=textad&utm_id=0107&PartnerID=0107&gad_source=1&gad_campaignid=904200135&_gl=1*mxkib3*_up*MQ..*_gs*MQ..&gclid=Cj0KCQjw3OjGBhDYARIsADd-uX4_Ij5sXcA8UjbK0JqxPOmgDQg1Y8deopufQOlUvl36lOFPabT_aLoaAiTPEALw_wcB&gbraid=0AAAAADIlOPzZ4v2fqNlPAp323OLioq_Si",{"start":1465,"end":1466,"type":1372},{"start":1471,"end":1472,"type":1372},102,118,{"start":1474,"end":1475,"type":1372},129,172,"text_block$0e66b0f1-6e31-4f06-8192-4616b9ec96df","text_block",{"variation":1382,"version":1383,"items":1479,"primary":1480,"id":1481,"slice_type":1482,"slice_label":5},[],{"type":1113},"calculator_embed$1710ba7a-aab9-4c28-8117-8f9a3c0eeb73","calculator_embed",{"variation":1382,"version":1383,"items":1484,"primary":1485,"id":1493,"slice_type":1477,"slice_label":5},[],{"text":1486,"chart_alt":5},[1487],{"type":1031,"text":1488,"spans":1489,"direction":1034},"* Einige Links auf dieser Seite sind sogenannte Affiliate-Links.\nWenn Sie darüber ein Angebot nutzen, erhalten wir eine kleine Vergütung. Für Sie entstehen keine Mehrkosten und Sie unterstützen damit unsere unabhängigen Vergleiche.",[1490,1491],{"start":24,"end":25,"type":1372},{"start":1492,"end":1475,"type":1372},138,"text_block$d0ecb4b0-099b-48e7-a205-b1ff03eaf3ce",{"variation":1382,"version":1383,"items":1495,"primary":1496,"id":1528,"slice_type":1477,"slice_label":5},[],{"text":1497,"chart_alt":5},[1498,1501,1504,1507,1510,1514,1519,1524],{"type":1388,"text":1499,"spans":1500,"direction":1034},"Was macht den Ratenkreditvergleich von FMH.de so besonders?  ",[],{"type":1031,"text":1502,"spans":1503,"direction":1034},"Es gibt sehr viele Ratenkreditvergleiche im Internet. Sehr viele verdienen den Namen Vergleich allerdings kaum. Denn sie sind reine Verkaufsplattformen mit dem Ziel, den Kunden zum Vertragsabschluss zu leiten. Wer einfach schnell irgendeinen Kreditvertrag haben will, ist dort keineswegs schlecht aufgehoben. Wer sich aber intensiver über die verschiedenen Angebote informieren will, sollte (zumindest auch) den Ratenkreditvergleich von FMH.de nutzen. ",[],{"type":1031,"text":1505,"spans":1506,"direction":1034},"Nur beim Ratenkreditvergleich von FMH.de können Sie gezielt nach den besten Angeboten filtern und sofort sehen, wie sich die Zinsangebote der Banken verändern, wenn Sie die Möglichkeit der eigenen Bonitätseinstufung nutzen. ",[],{"type":1031,"text":1508,"spans":1509,"direction":1034},"Weitere Vorzüge des Ratenkreditvergleichs von FMH.de: ",[],{"type":1392,"text":1511,"spans":1512,"direction":1034},"Umfassend: Mehr als 45 Banken (regionale und bundesweite Angebote) sind mit ihren Zinsangeboten im FMH.de-Vergleich vertreten. ",[1513],{"start":24,"end":1415,"type":1372},{"type":1392,"text":1515,"spans":1516,"direction":1034},"Unabhängig: FMH.de agiert seit mehr als vier Jahrzehnten als unabhängiger Dienstleister.  ",[1517],{"start":24,"end":1518,"type":1372},11,{"type":1392,"text":1520,"spans":1521,"direction":1034},"Transparent: Alle Konditionen, Kosten und Kriterien erhalten Sie mit einem Klick. Die Vorteile der jeweils gewählten Ratenhöhe und die Gesamtkosten sind sofort ersichtlich.  ",[1522],{"start":24,"end":1523,"type":1372},12,{"type":1392,"text":1525,"spans":1526,"direction":1034},"Vielfältig: Sie können die Zinsen für drei Bonitätsstufen anzeigen lassen und auch den Maximalzins abfragen.",[1527],{"start":24,"end":1518,"type":1372},"text_block$fe664ebc-33c9-48ac-8a70-763d45cb419c",{"variation":1382,"version":1383,"items":1530,"primary":1531,"id":1563,"slice_type":1564,"slice_label":5},[],{"title":1532,"is_ad":1347,"image":1533,"text":1540,"person_description":1547,"button_link":1558,"button_umami_event":1562},"Online-Ratenkredit: Schnell, transparent und verantwortungsvoll finanzieren",{"dimensions":1534,"alt":1536,"copyright":5,"url":1537,"id":1538,"edit":1539},{"width":1535,"height":1535},1000,"Diana Pressler: Senior Product Managerin bei Bank of Scotland","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQONsbpReVYa32KE_Diana-Pressler-Lloyds-Bank-01.png?auto=format,compress","aQONsbpReVYa32KE",{"x":24,"y":24,"zoom":25,"background":26},[1541,1544],{"type":1031,"text":1542,"spans":1543,"direction":1034},"\"Ein Online-Ratenkredit bietet eine einfache und bequeme Möglichkeit, finanzielle Wünsche zu verwirklichen und kann bequem von zu Hause beantragt werden. Digitale Anbieter ermöglichen oft attraktive Konditionen und flexible Rückzahlungsmöglichkeiten und Sie erhalten meist schon nach wenigen Minuten eine Entscheidung.",[],{"type":1031,"text":1545,"spans":1546,"direction":1034},"Beim Online Vergleich sollten Sie jedoch aufmerksam bleiben. Viele Vergleichsportale arbeiten provisionsbasiert und zeigen nicht immer die objektiv besten Angebote zuerst. Prüfen Sie daher die Konditionen und zusätzliche Möglichkeiten, wie zum Beispiel eine kostenlose Ratenpause, sorgfältig und achten Sie darauf, dass die Ratenhöhe zu Ihrem Einkommen passt, um eine Überschuldung zu vermeiden und die volle Kontrolle über Ihre Finanzen zu behalten.\"",[],[1548,1553],{"type":1031,"text":1549,"spans":1550,"direction":1034},"Diana Pressler, Senior Product Managerin bei ",[1551],{"start":24,"end":1552,"type":1372},14,{"type":1031,"text":1554,"spans":1555,"direction":1034},"Bank of Scotland",[1556],{"start":24,"end":1557,"type":1372},16,{"link_type":49,"key":1559,"url":1560,"target":52,"text":1561},"ad4c232b-0ffa-482a-865d-602d04144431","https:\u002F\u002Fwww.financeads.net\u002Ftc.php?t=30062C26626923T&subid=62","Mehr erfahren","ratenkredit-bankofscotland","expert_box$bdc43147-3d0b-4865-9b2d-6a974481759e","expert_box",{"variation":1382,"version":1383,"items":1566,"primary":1567,"id":1611,"slice_type":1477,"slice_label":5},[],{"text":1568,"chart_alt":5},[1569,1572,1575,1583,1586,1589,1592,1595,1598,1602,1605,1608],{"type":1388,"text":1570,"spans":1571,"direction":1034},"Warum ein Ratenkredit sinnvoll ist ",[],{"type":1031,"text":1573,"spans":1574,"direction":1034},"Wer für größere Anschaffungen sein Girokonto überzieht und damit einen Dispositionskredit seiner Bank in Anspruch nimmt, entscheidet sich für eine der teuersten Varianten, finanzielle Engpässe zu überbrücken.  Ein Ratenkredit ist oft die deutlich bessere Alternative zum teuren Dispo und das Mittel der Wahl, um größere Anschaffungen zu finanzieren.  ",[],{"type":1031,"text":1576,"spans":1577,"direction":1034},"Je nach Vorhaben gibt es jedoch noch passendere Optionen: Möchten Sie ein neues Fahrzeug finanzieren, profitieren Sie häufig von günstigeren Zinsen. Im Ratenkreditvergleich der von FMH.de können Sie diesen Verwendungszweck auswählen und es werden Ihnen die besten Zinsen für dieses Vorhaben errechnet. Wenn hingegen keine feste Summe, sondern maximale Flexibilität für spontane Ausgaben gesucht wird, bietet sich ein Rahmenkredit als dauerhafte, zinsgünstige Alternative zu einem Dispokredit an.",[1578],{"start":1579,"end":1580,"type":1368,"data":1581},417,429,{"link_type":49,"url":1582,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fkredit-aufnehmen\u002Fangebote-vergleichen\u002Frahmenkredit",{"type":1031,"text":1584,"spans":1585,"direction":1034},"Letzteres gilt umso mehr, als die Banken ihren Kunden meist nur einen Dispo in Höhe von zwei- bis drei Nettomonatsgehältern genehmigen – dafür aber Dispozinsen in zweistelliger Höhe verlangen. ",[],{"type":1031,"text":1587,"spans":1588,"direction":1034},"Im Gegensatz dazu haben Ratenkredite eine klare Struktur: Das Kreditvolumen beträgt bis zu 100 000 Euro, es gibt feste Raten eine feste Laufzeit und damit einen eindeutigen Termin, an dem die Verbindlichkeit spätestens beglichen sind.  ",[],{"type":1031,"text":1590,"spans":1591,"direction":1034},"Gerade diese Klarheit ist ein großer Vorteil des Ratenkredites, da er Verbrauchern Planungssicherheit gewährt. Gleichzeitig bleibt der Ratenkredit vielseitig einsetzbar – für größere Anschaffungen, dringende Reparaturen oder einfach für Konsumausgaben.",[],{"type":1031,"text":1593,"spans":1594,"direction":1034},"",[],{"type":1388,"text":1596,"spans":1597,"direction":1034},"Abhängigkeit des Ratenkreditzinses von:  ",[],{"type":1599,"text":1600,"spans":1601,"direction":1034},"heading3","Wirtschaftslage, Leitzins und persönlicher Bonität ",[],{"type":1031,"text":1603,"spans":1604,"direction":1034},"Die Zinsen beim Ratenkredit (der auch Konsumentenkredit heißt) werden stark beeinflusst von den Leitzinsentscheidungen der Europäischen Zentralbank (EZB). Auch die Entwicklung der Tages- und Festgeldzinsen spielt eine wichtige Rolle. Diese beiden Anlageformen nutzen Banken sehr oft zur Refinanzierung ihres Kreditgeschäftes.  ",[],{"type":1031,"text":1606,"spans":1607,"direction":1034},"Immer mehr Banken bieten bonitätsabhängige Zinsen an. Bedeutet: Die Banken nennen den Zinssatz für die beste Bonität, oft auch noch die Zinsspanne und ein Musterbeispiel, das den Zinssatz angibt, den 2\u002F3 der Kunden angeblich bekommen - dies hat der Gesetzgeber so vorgeschrieben. Das macht einen Vergleich der Angebote fast wertlos, vor allem, weil der Kunde die spätere Bonitätseinstufung vor der Antragstellung nicht erkennen kann.   ",[],{"type":1031,"text":1609,"spans":1610,"direction":1034},"Der Zinsvergleich von FMH.de erlaubt Nutzern zumindest eine grobe eigene Einschätzung der Kategorie, in die die Bank ihn und seine Kreditwürdigkeit einstufen könnte. Das ist wichtig, denn nur so sind die errechneten Zinsen möglichst nahe an der Realität. Wenn hingegen nur die Zinsen für die beste Bonität und Zinsspanne gelistet werden, wie bei allen anderen Ratenkreditvergleichen, gibt es für Kreditsuchende oft ein böses Erwachen.",[],"text_block$f0ee5f9c-5133-4d65-85fd-d0bc9171fc93",{"variation":1382,"version":1383,"items":1613,"primary":1614,"id":1683,"slice_type":1684,"slice_label":5},[],{"title":1615,"table":1616},"Vor- und Nachteile von bonitätsabhängigen Ratenkrediten",{"head":1617,"body":1635},{"rows":1618},[1619],{"key":1620,"cells":1621},"8cc6cdb0-87b6-40e5-967e-f0aaa794da5a",[1622,1629],{"key":1623,"type":1624,"content":1625},"3c86bb1a-da69-44c3-a0fe-7c3be2a5219a","header",[1626],{"type":1031,"text":1627,"spans":1628,"direction":1034},"Vorteile",[],{"key":1630,"type":1624,"content":1631},"ae91bbdd-f43f-4732-85ca-3b1290d7e695",[1632],{"type":1031,"text":1633,"spans":1634,"direction":1034},"Nachteile",[],{"rows":1636},[1637,1653,1668],{"key":1638,"cells":1639},"f341d5ac-cd76-4897-883e-76cc9e97e6ca",[1640,1647],{"key":1641,"type":1642,"content":1643},"876f4916-3019-4c44-b1e9-192489c18bd9","data",[1644],{"type":1031,"text":1645,"spans":1646,"direction":1034},"Kunden mit Spitzenbonität erhalten auch Spitzenzinsen.",[],{"key":1648,"type":1642,"content":1649},"ef969c4a-f288-44f7-a84a-022d2874b68f",[1650],{"type":1031,"text":1651,"spans":1652,"direction":1034},"Im Ergebnis zahlen Kunden sehr oft höhere Zinsen als bei bonitätsunabhängigen Angeboten, da die Zinsen für die beste Bonität extrem selten vergeben werden.",[],{"key":1654,"cells":1655},"6a0d300d-b6d3-4eff-978b-cad9aa96e073",[1656,1662],{"key":1657,"type":1642,"content":1658},"21b2ee44-0059-4acf-a693-e6efeaaf44c9",[1659],{"type":1031,"text":1660,"spans":1661,"direction":1034},"Eine Ablehnung des Kredits ist extrem selten.",[],{"key":1663,"type":1642,"content":1664},"f4964a94-b0b3-4059-8391-a582266c31f7",[1665],{"type":1031,"text":1666,"spans":1667,"direction":1034},"Bei schlechterer Bonität können sich die Zinsen im Vergleich zum niedrigsten Satz mehr als verdoppeln.",[],{"key":1669,"cells":1670},"84cd018e-f3d2-4eda-a0eb-a52b4d0bd559",[1671,1677],{"key":1672,"type":1642,"content":1673},"4da0c063-f276-4689-967f-864a5369deb0",[1674],{"type":1031,"text":1675,"spans":1676,"direction":1034},"Selbst bei schlechterer Bonität können Kunden einen Kredit erhalten – wenn auch zu höheren Zinsen.",[],{"key":1678,"type":1642,"content":1679},"7cdf3f34-cc82-4c0b-810e-8d6067119bd5",[1680],{"type":1031,"text":1681,"spans":1682,"direction":1034},"Die Kredite werden nicht immer von der Bank vergeben, bei der ein Kunde den Antrag gestellt hat. ",[],"basic_table$2047dcb2-b1dd-4a34-83fe-88b9d7ec615c","basic_table",{"variation":1382,"version":1383,"items":1686,"primary":1687,"id":1745,"slice_type":1684,"slice_label":5},[],{"title":1688,"table":1689},"Vor- und Nachteile von bonitätsunabhängigen Ratenkrediten",{"head":1690,"body":1702},{"rows":1691},[1692],{"key":1620,"cells":1693},[1694,1698],{"key":1623,"type":1624,"content":1695},[1696],{"type":1031,"text":1627,"spans":1697,"direction":1034},[],{"key":1630,"type":1624,"content":1699},[1700],{"type":1031,"text":1633,"spans":1701,"direction":1034},[],{"rows":1703},[1704,1716,1731],{"key":1638,"cells":1705},[1706,1711],{"key":1641,"type":1642,"content":1707},[1708],{"type":1031,"text":1709,"spans":1710,"direction":1034},"Klare Zinsangabe und gleiche Konditionen für alle. Das erleichtert den Vergleich und die Kalkulation.",[],{"key":1648,"type":1642,"content":1712},[1713],{"type":1031,"text":1714,"spans":1715,"direction":1034},"Kunden mit sehr guter Bonität könnten billiger finanzieren, wenn sie sich für ein Angebot mit Bonitätseinstufung entscheiden.",[],{"key":1717,"cells":1718},"5aeddcc0-7687-4b31-ab81-95131194ca27",[1719,1725],{"key":1720,"type":1642,"content":1721},"1bc4c416-ad23-4704-ba72-fe77413b6b18",[1722],{"type":1031,"text":1723,"spans":1724,"direction":1034},"Eine Kreditablehnung ist möglich, kann hilfreich sein, um nicht in die Schuldenfalle zu tappen.",[],{"key":1726,"type":1642,"content":1727},"e5b9699a-c9f7-414d-a8f8-e146ea2b8353",[1728],{"type":1031,"text":1729,"spans":1730,"direction":1034},"Kreditablehnungen sind möglich, wenn Bank Bedenken hat.",[],{"key":1732,"cells":1733},"95cd8d22-7982-4adb-82c9-5874f028b0aa",[1734,1739],{"key":1735,"type":1642,"content":1736},"a438dd3b-966e-4756-a8df-7916bacbf6e2",[1737],{"type":1031,"text":1378,"spans":1738,"direction":1034},[],{"key":1740,"type":1642,"content":1741},"28f0efc1-6eef-4ec4-bd4b-2d976cbf7780",[1742],{"type":1031,"text":1743,"spans":1744,"direction":1034},"Bei Ablehnung ist erneute eine Kreditsuche bei anderen Banken notwendig - aber wird schwierig.",[],"basic_table$8b677ebd-81b5-4910-a4d2-be59d8801947",{"variation":1382,"version":1383,"items":1747,"primary":1748,"id":1795,"slice_type":1477,"slice_label":5},[],{"text":1749,"chart_alt":5},[1750,1753,1758,1766,1770,1774,1777,1780,1787],{"type":1031,"text":1751,"spans":1752,"direction":1034},"Die Zinsen eines Ratenkredites werden von verschiedenen Faktoren beeinflusst.",[],{"type":1392,"text":1754,"spans":1755,"direction":1034},"EZB-Hauptrefinanzierungssatz (Leitzins): Er bestimmt, wie teuer sich Banken Geld bei der EZB leihen können. Steigt der Leitzins, steigen auch die Zinsen für Ratenkredite.   ",[1756],{"start":24,"end":1757,"type":1372},40,{"type":1392,"text":1759,"spans":1760,"direction":1034},"Tages- und Festgeldzinsen: Sie sind eine weitere, sehr beliebte Refinanzierungsoption im Kreditgeschäft. Steigen daher die Anlagezinsen für Tages- und Festgeld, erhöhen sich auch die Zinsen für Konsumentenkredite. ",[1761,1763],{"start":24,"end":1762,"type":1372},5,{"start":1764,"end":1765,"type":1372},6,25,{"type":1392,"text":1767,"spans":1768,"direction":1034},"Inflation: Eine hohe Teuerungsquote führt oft zu steigenden Zinsen, weil die EZB dann gegensteuert und die Leitzinsen erhöht. Aber auch die Nachfrage nach Krediten ist zu Inflationszeiten höher als normal – und bewirkt, dass die Banken die Zinsen erhöhen. ",[1769],{"start":24,"end":1415,"type":1372},{"type":1392,"text":1771,"spans":1772,"direction":1034},"Konjunktur: In unsicheren Zeiten fürchten die Banken besonders hohe Risiken bei der Kreditrückzahlung. Um sich abzusichern, erheben sie daher Zinsaufschläge auch bei Ratenkrediten.",[1773],{"start":24,"end":1518,"type":1372},{"type":1388,"text":1775,"spans":1776,"direction":1034},"Prognose zur Entwicklung der Ratenkreditzinsen",[],{"type":1031,"text":1778,"spans":1779,"direction":1034},"Wie oben beschrieben, ist die Entwicklung der Ratenkreditzinsen von verschiedenen Einflüssen abhängig. Der EZB-Leitzins (Einlagensatz) beeinflusst die Tages- und Festgeldzinsen und diese wiederum haben direkten Einfluss als Refinanzierungsmöglichkeit auf die Ratenkreditzinsen. Aber auch die Konjunktur und die Inflation sind nicht zu unterschätzen. Gleichzeitig können sich Banken auch bei der EZB Geld leihen, das sie dann an ihre Kunden weiterleiten - mit einem entsprechendem Aufschlag für Marge, Risikovorsorge und Bearbeitung. Die Banken müssen dann aber Sicherheiten bei der EZB hinterlegen. Die Zinshöhe dafür wird mit dem Hauptrefinanzierungszinssatz bei EZB-Leitzinsanpassungen festgelegt. Dieser Zinssatz ist fast immer etwas höher als der Einlagensatz der EZB.",[],{"type":1031,"text":1781,"spans":1782,"direction":1034},"Auch zur Entwicklung der Ratenkreditzinsen macht die FMH regelmäßig Aussagen.",[1783],{"start":1423,"end":1784,"type":1368,"data":1785},77,{"link_type":49,"url":1786,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fzinsentwicklung\u002Fratenkredit",{"type":1788,"oembed":1789},"embed",{"embed_url":1790,"type":1791,"version":1792,"provider_name":1793,"thumbnail_url":1790,"html":1794,"url":1790},"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002F01225b31-0a1c-4f0f-aafd-9e0a511c2b9b\u002F","rich","1.0","static_image","\u003Cdiv data-type=\"static_image\">\u003Cimg src=\"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002F01225b31-0a1c-4f0f-aafd-9e0a511c2b9b\u002F\">\u003C\u002Fdiv>","text_block$7f3c1467-cfb7-4f24-851c-eeafaad261fb",{"variation":1382,"version":1383,"items":1797,"primary":1798,"id":1881,"slice_type":1477,"slice_label":5},[],{"text":1799,"chart_alt":5},[1800,1803,1806,1811,1818,1829,1837,1841,1844,1849,1852,1865,1875],{"type":1599,"text":1801,"spans":1802,"direction":1034},"Wie Zins und Laufzeit die Kosten beeinflussen  ",[],{"type":1031,"text":1804,"spans":1805,"direction":1034},"Wie es sich auswirkt, wenn man bei einem Ratenkredit an den unterschiedlichen Stellschrauben dreht, zeigen unsere Rechenbeispiele: ",[],{"type":1031,"text":1807,"spans":1808,"direction":1034}," Rechenbeispiel 1: Gleiche Laufzeit, unterschiedliche Zinsen ",[1809],{"start":25,"end":1810,"type":1372},61,{"type":1031,"text":1812,"spans":1813,"direction":1034},"Ein Kredit über 10.000 Euro mit 48 Monaten Laufzeit zeigt, wie groß die Unterschiede sein können: ",[1814,1816],{"start":1557,"end":1815,"type":1372},27,{"start":1446,"end":1817,"type":1372},51,{"type":1392,"text":1819,"spans":1820,"direction":1034},"Bei 4,0 % p.a. zahlen Sie monatlich 225,79 Euro. Gesamtkosten sind 839 Euro Zinsen. ",[1821,1823,1826],{"start":1822,"end":1552,"type":1372},4,{"start":1824,"end":1825,"type":1372},36,47,{"start":1827,"end":1828,"type":1372},67,82,{"type":1392,"text":1830,"spans":1831,"direction":1034},"Bei 7,0 % p.a. steigt die monatliche Rate auf 239,46 Euro. Gesamtkosten sind 1.494 Euro Zinsen. ",[1832,1833,1836],{"start":1822,"end":1552,"type":1372},{"start":1834,"end":1835,"type":1372},46,57,{"start":1784,"end":1432,"type":1372},{"type":1031,"text":1838,"spans":1839,"direction":1034},"👉 Fazit: Bei gleicher Laufzeit verursacht der höhere Zinssatz rund 660 Euro Mehrkosten. ",[1840],{"start":1426,"end":1466,"type":1372},{"type":1031,"text":1842,"spans":1843,"direction":1034}," ",[],{"type":1031,"text":1845,"spans":1846,"direction":1034},"Rechenbeispiel 2: Gleicher Zinssatz, unterschiedliche Laufzeiten ",[1847],{"start":24,"end":1848,"type":1372},65,{"type":1031,"text":1850,"spans":1851,"direction":1034},"Unser zweites Beispiel zeigt, dass auch die Laufzeit einen immensen Einfluss auf die Gesamtkosten hat: ",[],{"type":1392,"text":1853,"spans":1854,"direction":1034},"10.000 Euro bei 5,0 % p.a. und 36 Monaten Laufzeit → Monatsrate  299,71 Euro, Gesamtkosten sind 789 Euro Zinsen. ",[1855,1856,1857,1860,1862],{"start":24,"end":1518,"type":1372},{"start":1557,"end":1367,"type":1372},{"start":1858,"end":1859,"type":1372},31,50,{"start":1848,"end":1861,"type":1372},76,{"start":1863,"end":1864,"type":1372},96,111,{"type":1392,"text":1866,"spans":1867,"direction":1034},"Bei gleicher Summe und Zins, aber 60 Monaten Laufzeit → Monatsrate 188,71 Euro, Gesamtkosten sind 1.322 Euro Zinsen. ",[1868,1870,1872],{"start":1374,"end":1869,"type":1372},53,{"start":1827,"end":1871,"type":1372},78,{"start":1873,"end":1874,"type":1372},98,115,{"type":1031,"text":1876,"spans":1877,"direction":1034},"👉 Fazit:  Eine längere Laufzeit bedeutet niedrigere Monatsrate, aber mehr als 500 Euro höhere Gesamtkosten. Die Frage lautet daher: Was ist für Sie wichtiger: Die um 111 Euro geringere Rate pro Monat oder die geringeren Gesamtkosten von 533 Euro? ",[1878],{"start":1879,"end":1880,"type":1372},70,107,"text_block$e994edac-b564-4522-994f-07696fd75533",{"variation":1382,"version":1383,"items":1883,"primary":1884,"id":1915,"slice_type":1916,"slice_label":5},[],{"heading":1885,"title":1886,"text":1887,"image":1903,"rounded_image":45,"button_link":1911},"Von FMH-Finanzberatung und Handelsblatt ausgezeichnet","Die besten Ratenkredite 2026",[1888,1891,1894,1897,1900],{"type":1031,"text":1889,"spans":1890,"direction":1034},"Welche Ratenkredite wurden zuletzt ausgezeichnet?",[],{"type":1031,"text":1892,"spans":1893,"direction":1034},"Ratenkredite erfreuen sich nach wie vor großer Beliebtheit. Dennoch bestehen weiterhin erhebliche Unterschiede bei den Zinssätzen. Für die aktuelle Analyse hat die FMH-Finanzberatung im Auftrag von Handelsblatt insgesamt 21 Angebote verglichen: 16 bonitätsabhängige und 5 bonitätsunabhängige Angebote.",[],{"type":1031,"text":1895,"spans":1896,"direction":1034},"Top 3 - Anbieter für Beste Bonität waren: Openbank Deutschland, Deutsche Bank und Consors Finanz",[],{"type":1031,"text":1898,"spans":1899,"direction":1034},"Top 3 - Anbieter für 2\u002F3 der Kunden waren: HypoVereinsbank, BBBank eG und SKG Bank",[],{"type":1031,"text":1901,"spans":1902,"direction":1034},"Top 3 - Anbieter für Bonitätsunabhängige Zinsen waren: EthikBank, PSD Bank West und Deutsche Skatbank",[],{"dimensions":1904,"alt":1907,"copyright":5,"url":1908,"id":1909,"edit":1910},{"width":1905,"height":1906},438,589,"Siegel Platzhalter","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQDeQrpReVYa3wls_AuszeichnungSiegelPokal.png?auto=format,compress","aQDeQrpReVYa3wls",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":49,"key":1912,"url":1913,"target":52,"text":1914},"a6921b0a-92c2-4fc4-8ac0-67dcdb62988c","https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2026\u002Fdie-besten-ratenkredite-handelsblatt","Details zur Auswertung","award_box$83bd7eef-7421-4b63-b417-52d8ff540757","award_box",{"variation":1382,"version":1383,"items":1918,"primary":1919,"id":2056,"slice_type":1477,"slice_label":5},[],{"text":1920,"chart_alt":5},[1921,1924,1927,1932,1936,1941,1945,1949,1953,1955,1960,1966,1971,1976,1980,1985,1987,1990,1993,1996,1999,2002,2006,2011,2015,2020,2022,2027,2032,2039,2043,2047,2054],{"type":1388,"text":1922,"spans":1923,"direction":1034},"So finden und beantragen Sie den passenden Ratenkredit  ",[],{"type":1031,"text":1925,"spans":1926,"direction":1034},"Der Ablauf ähnelt sich bei fast allen Banken. ",[],{"type":1928,"text":1929,"spans":1930,"direction":1034},"o-list-item","Kassensturz: Diese Vorarbeit müssen die Kunden leisten und überlegen, welche Rate passt in mein Monatsbudget? Und wie groß sollte mein Puffer für unvorhergesehene Ausgaben sein? ",[1931],{"start":24,"end":1523,"type":1372},{"type":1928,"text":1933,"spans":1934,"direction":1034},"Unabhängig vergleichen: Mit dem Ratenkreditvergleich von FMH.de sehen Sie die aktuellen Konditionen von mehr als 20 Banken – sogar bei unterschiedlicher Bonitätseinstufung. ",[1935],{"start":24,"end":1406,"type":1372},{"type":1928,"text":1937,"spans":1938,"direction":1034},"Potenziellen Geldgeber identifizieren. Sie haben eine Bank ausgemacht, deren Konditionen ihnen zusagen? Dann ist es an der Zeit, Dokumente zu sammeln. ",[1939],{"start":24,"end":1940,"type":1372},38,{"type":1928,"text":1942,"spans":1943,"direction":1034},"Unterlagen einreichen: Üblich sind Gehaltsnachweise, Kontoauszüge und ein Ausweisdokument. Sehr häufig erwarten die Banken auch eine Erlaubnis zur sogenannten PSD2 Überprüfung (ugs. Kontoblick). Kunden erlauben der neuen ausgewählten Bank in diesem Fall, online den Girokontoverlauf der vergangenen drei Monate zu scannen und alle Kontobewegungen zu bewerten. Der Vorteil dabei: Oft werden Gehaltsnachweise dadurch hinfällig, weil die Bank diese auf dem Kontoverlauf sieht. ",[1944],{"start":24,"end":1366,"type":1372},{"type":1928,"text":1946,"spans":1947,"direction":1034},"Prüfung und Entscheidung: Die Bank bewertet Ihre Bonität und erteilt eine Zu- oder Absage bzw. nennt den neuen Zinssatz entsprechend der Bonitätseinstufung. ",[1948],{"start":24,"end":1765,"type":1372},{"type":1928,"text":1950,"spans":1951,"direction":1034},"Vertrag und Auszahlung: Nach Unterschrift wird der Kreditbetrag meist innerhalb weniger Tage überwiesen. ",[1952],{"start":24,"end":1406,"type":1372},{"type":1031,"text":1842,"spans":1954,"direction":1034},[],{"type":1388,"text":1956,"spans":1957,"direction":1034},"Vorzeitige Ablösung eines Ratenkredits ",[1958],{"start":1940,"end":1959,"type":1372},39,{"type":1031,"text":1961,"spans":1962,"direction":1034},"Auch wenn ein Ratenkredit über mehrere Jahre läuft, können Sie ihn ganz oder teilweise vorzeitig zurückzahlen, ohne eine Ablehnung oder hohe Kosten befürchten zu müssen. ",[1963],{"start":1964,"end":1965,"type":1372},72,109,{"type":1031,"text":1967,"spans":1968,"direction":1034},"Gesetzliche Regelung: \nBanken dürfen zwar bei einer vorzeitigen Rückzahlung und auch bei Sonderzahlungen eine Vorfälligkeitsentschädigung verlangen, die aber ist begrenzt auf: ",[1969],{"start":24,"end":1970,"type":1372},21,{"type":1392,"text":1972,"spans":1973,"direction":1034},"maximal ein Prozent des vorzeitig zurückgezahlten Betrages, wenn der Vertrag eine Restlaufzeit von mehr als zwölf Monaten hat. ",[1974],{"start":1975,"end":1453,"type":1372},8,{"type":1392,"text":1977,"spans":1978,"direction":1034},"maximal 0,5 Prozent, wenn die Restlaufzeit unter zwölf Monaten liegt. ",[1979],{"start":1975,"end":1970,"type":1372},{"type":1031,"text":1981,"spans":1982,"direction":1034},"Rechenbeispiel: \nEin Kunde will seine Restschuld in Höhe von 1.250 Euro 17 Monate vor Laufzeitende zurückzuzahlen. Die Vorfälligkeitsentschädigung liegt in diesem Fall bei lediglich 12,50 Euro. Bei einer Restlaufzeit von neun Monaten müsste derselbe Kunde sogar nur 6,25 Euro als Entschädigung zahlen. ",[1983],{"start":24,"end":1984,"type":1372},15,{"type":1031,"text":1593,"spans":1986,"direction":1034},[],{"type":1388,"text":1988,"spans":1989,"direction":1034},"Tipp: Ratenkredit überlegt nutzen ",[],{"type":1031,"text":1991,"spans":1992,"direction":1034},"Es ist nicht ehrenrührig, einen Ratenkredit zu nutzen, statt ewig auf eine wichtige Anschaffung zu sparen. Unwichtig ist es auch, ob es dabei um eine notwendige Investition (Ersatz defekter Gegenstände) oder einfach die Erfüllung eines Wunsches geht. Es gibt jedoch eine wichtige Ausnahme: Wer einen Urlaub auf Pump finanziert, trifft damit in der Regel keine ökonomisch sinnvolle Entscheidung. ",[],{"type":1031,"text":1994,"spans":1995,"direction":1034},"Denn für die Aufnahme eines Ratenkredits gibt es eine wichtige Faustregel. Der Kredit sollte keine längere Laufzeit haben, als die Lebensdauer des wirtschaftlichen Gutes, das mit dem Ratenkredit finanziert wird.",[],{"type":1031,"text":1997,"spans":1998,"direction":1034},"Eine Küche, Möbel oder ein Auto kann man getrost mit einem Ratenkredit über 60 Monate oder länger finanzieren, wenn das monatliche Einkommen eine schnellere Rückzahlung nicht erlaubt.  ",[],{"type":1031,"text":2000,"spans":2001,"direction":1034},"Doch nicht nur die Frage, was per Kredit finanziert werden soll, ist eine wichtige Vorüberlegung. Kunden sollten im Vorfeld der Entscheidung auch die folgenden Punkte bedenken: ",[],{"type":1392,"text":2003,"spans":2004,"direction":1034},"Planung der Ratenhöhe: Erstellen Sie eine detaillierte Einnahmen- und Ausgabenrechnung. Planen Sie die Kreditlaufzeit entsprechend ihrem verfügbaren, monatlichen Überschuss und kalkulieren Sie dabei nicht zu knapp. ",[2005],{"start":24,"end":1366,"type":1372},{"type":1392,"text":2007,"spans":2008,"direction":1034},"Reserven für unerwartete Ausgaben bilden: Dies gilt sowohl für das monatlich verfügbare Budget als auch für eine kleine Rücklage von möglichst einem halben Nettoeinkommen.  ",[2009],{"start":24,"end":2010,"type":1372},41,{"type":1392,"text":2012,"spans":2013,"direction":1034},"Dispo in einen Ratenkredit umwandeln: Diese Option hat auf den ersten Blick ihren Charme, weil die Zinsen des Ratenkredits deutlich niedriger sind. Dennoch ist ein solches Vorgehen meist nicht sinnvoll. Der Grund: Die monatliche Belastung der Ratenrückzahlung kann gerade in finanziell angespannten Zeiten zu weiteren Engpässen führen. ",[2014],{"start":24,"end":1448,"type":1372},{"type":1392,"text":2016,"spans":2017,"direction":1034},"Bei Problemen agieren, statt zu reagieren: Sind Zahlungsschwierigkeiten absehbar, sollten Sie möglichst schon im Vorfeld mit der Bank sprechen und ggfls. eine Ratenpause beantragen.  ",[2018],{"start":24,"end":2019,"type":1372},42,{"type":1031,"text":1842,"spans":2021,"direction":1034},[],{"type":1388,"text":2023,"spans":2024,"direction":1034},"Was geschieht mit meinem Ratenkredit bei Arbeitslosigkeit, Tod oder Scheidung? ",[2025],{"start":1871,"end":2026,"type":1372},79,{"type":1392,"text":2028,"spans":2029,"direction":1034},"Arbeitslosigkeit: Wenn es im Beruf zu unerwarteten Veränderungen kommt, ist es ratsam, so früh wie möglich mit der Bank zu sprechen und zwar bevor ein Zahlungsrückstand entstanden ist. Oft lässt sich auch hier eine Lösung finden. ",[2030],{"start":24,"end":2031,"type":1372},17,{"type":1392,"text":2033,"spans":2034,"direction":1034},"Tod: Lief der Vertrag auf eine Person und besteht keine Restschuldversicherung, treten die Erben des ursprünglichen Kreditnehmers an dessen Stelle und müssen damit auch die Raten bezahlen. Allerdings ist niemand gezwungen, ein Erbe anzutreten, dass Schulden enthält: Wer unsicher ist, ob er die Erbschaft ausschlagen oder annehmen soll, hat sechs Wochen Zeit, die Entscheidung zu treffen. Die Frist beginnt ab dem Zeitpunkt, in dem der Erbe oder die Erbin Kenntnis von ihrer Stellung erhalten.   ",[2035,2036],{"start":24,"end":1822,"type":1372},{"start":2037,"end":2038,"type":1372},494,495,{"type":1392,"text":2040,"spans":2041,"direction":1034},"Vorsorge: Ratenkredite sind bis zu einer Summe von 100 000 Euro möglich. Wer diesen Betrag ausgeschöpft und womöglich noch andere Darlehen bedienen muss, sollte im Sinne seiner Erben eine Risikolebensversicherung abschließen. Sie sichert die Hinterbliebenen im Todesfall ab und ist relativ günstig. Da die Leistung stets eindeutig ist - Versicherungsauszahlung nur bei Tod - können Kunden die Police getrost nach dem Preis auswählen. ",[2042],{"start":24,"end":1401,"type":1372},{"type":1392,"text":2044,"spans":2045,"direction":1034},"Scheidung: Haben beide Partner einen Ratenkreditvertrag unterschrieben, haften auch beide Partner weiter – unabhängig davon, wer die erworbene Sache tatsächlich nutzt.  ",[2046],{"start":24,"end":1415,"type":1372},{"type":1392,"text":2048,"spans":2049,"direction":1034},"Restschuldversicherung: Diese Versicherungen sind teuer und mit vielen Warte- und Karenzzeiten versehen. Günstiger ist eine Risikolebensversicherung bei einer Direktversicherung.  ",[2050,2052],{"start":24,"end":2051,"type":1372},24,{"start":1440,"end":2053,"type":1372},179,{"type":1031,"text":1842,"spans":2055,"direction":1034},[],"text_block$b4ccdd9e-e6e9-4535-a59d-fd10e78d6b70",{"variation":1382,"version":1383,"items":2058,"primary":2059,"id":2094,"slice_type":67,"slice_label":5},[],{"title":2060,"center_title":45,"border":1347,"open_close_icon":2061,"max_width":2062,"list":2063},"Häufig gestellte Fragen zum Ratenkredit","Caret","none",[2064,2070,2076,2082,2088],{"question":2065,"answer":2066},"Was ist ein Ratenkredit?",[2067],{"type":1031,"text":2068,"spans":2069,"direction":1034},"Ein Ratenkredit (auch Konsumentenkredit genannt) dient der Finanzierung von Konsumgütern jeder Art. Sein Hauptmerkmal ist es, dass der Kredit nicht grundbuchlich gesichert ist und innerhalb einer bestimmten Vertragslaufzeit bei festen Zinsen und Raten komplett getilgt wird.",[],{"question":2071,"answer":2072},"Wie beeinflussen Zinsen die Kosten?",[2073],{"type":1031,"text":2074,"spans":2075,"direction":1034},"Beim Ratenkredit gilt, dass die Zinsen die Ratenhöhe und auch die Gesamtkosten beeinflussen. Da Ratenkredite aber in der Regel relativ schnell getilgt werden müssen, ist der Effekt weniger gravierend als bei langlaufenden Krediten, wie bei Baufinanzierungsdarlehen.",[],{"question":2077,"answer":2078},"Welche Laufzeit ist die richtige?",[2079],{"type":1031,"text":2080,"spans":2081,"direction":1034},"Das kommt auf die Prioritäten des Kunden an. Grundsätzlich gilt: Je kürzer die Laufzeit, desto höher die Raten – und desto niedriger die Gesamtkosten. Es kann also, je nach verfügbaren Mitteln, durchaus sinnvoll sein, eine längere Laufzeit und damit niedrigere Raten zu wählen, auch wenn das am Ende zu (etwas) höheren Gesamtkosten führt.",[],{"question":2083,"answer":2084},"Was ist mit Bonität gemeint und wie wird diese ermittelt?",[2085],{"type":1031,"text":2086,"spans":2087,"direction":1034},"Die Bonität bezeichnet die Kreditwürdigkeit einer Person – und damit ihre Fähigkeit, ihre Zahlungsverpflichtungen ordnungsgemäß zu erfüllen. Zwischenzeitlich sind die meisten Ratenkredite sogenannte bonitätsabhängige Ratenkredite. Leider ist die Bonitätseinstufung nicht transparent und erfolgt von Bank zu Bank anders. Faktoren, die die Bonität beeinflussen, sind unter anderem das Einkommen, der Berufsstand (Beamter, Arbeitnehmer oder Selbstständiger), bereits bestehende Verpflichtungen sowie das Zahlungsverhalten in der Vergangenheit. Doch selbst wer einen gesicherten Job und ein gutes Einkommen hat und seine bisherigen Kredite stets pünktlich getilgt hat, erhält deshalb noch lange keine Spitzenkonditionen. Pauschal lässt sich sagen, dass nur etwa fünf Prozent der Kunden die Stufe „beste Bonität“ erreichen. Aus diesem Grund sind die Banken mit bonitätsabhängigen Angeboten gesetzlich verpflichtet, auch einen Zinssatz zu veröffentlichen, den 2\u002F3 der Kunden bei der Bank erhalten. Dieser Zinssatz dient als Vergleichsgröße zu bonitätsunabhängigen Angeboten.",[],{"question":2089,"answer":2090},"Kann ich meinen Ratenkredit vorzeitig ablösen?",[2091],{"type":1031,"text":2092,"spans":2093,"direction":1034},"Ja, jederzeit. Der Gesetzgeber hat festgelegt, dass ungesicherte Ratenkredite jederzeit vorzeitig ganz oder teilweise vorzeitig getilgt werden dürfen. Die Banken können in diesem Fall zwar eine sogenannte Vorfälligkeitsentschädigung verlangen. Diese darf aber maximal ein Prozent des vorzeitig zurückgezahlten Betrages betragen. Ist die Restlaufzeit kürzer als zwölf Monate, ist die Entschädigung sogar auf 0,5 Prozent gedeckelt. Wenn der Kunde eine Sonderrückzahlung von 1000 Euro machen will, kostet dies maximal 10 Euro. Vor diesem Hintergrund verzichten viele Banken sogar ganz auf die mögliche Entschädigung.",[],"faq$a6c9ae73-b212-415f-82fc-97ea1643a022",{"variation":1382,"version":1383,"items":2096,"primary":2097,"id":2114,"slice_type":1477,"slice_label":5},[],{"text":2098,"chart_alt":5},[2099,2102,2105,2108,2111],{"type":1388,"text":2100,"spans":2101,"direction":1034},"Fazit",[],{"type":1031,"text":2103,"spans":2104,"direction":1034},"Ein Ratenkredit ist eine schnelle und einfache Art, Konsumgüter zu finanzieren. Verbraucher profitieren von den klaren Rahmenbedingungen. Kreditsumme, Raten und Laufzeiten sind von Anfang an klar. Zudem können Verbraucher einen solchen Kredit meist ohne Sicherheiten abschließen.  ",[],{"type":1031,"text":2106,"spans":2107,"direction":1034},"Ein Ratenkredit ermöglicht es Konsumenten, größere Anschaffungen gezielt über mehrere Jahre zu finanzieren. Doch auch eine schnellere Rückzahlung ist jederzeit möglich – bei überschaubaren Mehrkosten. ",[],{"type":1031,"text":2109,"spans":2110,"direction":1034},"Welche Summen Kunden finanzieren können, orientiert sich fast ausschließlich am monatlichen Nettoeinkommen und weniger am Preis des zu finanzierenden Gegenstandes. Mittlerweile sind Ratenkredite bis zu einem Betrag von 100.000 Euro und einer Laufzeit von bis zu zehn Jahren und länger möglich. Damit können Privatleute sogar Renovierungen an einer Immobilie auf schnelle Art zu finanzieren. Es gibt sogar spezielle Modernisierungskredite, die für die eigene Immobilie gedacht sind und trotzdem ohne Grundbuchabsicherung vergeben werden.  ",[],{"type":1031,"text":2112,"spans":2113,"direction":1034},"Höhere Dispobeträge eines (überzogenen) Girokonto über einen Ratenkredit umzuschulden, ist hingegen nur selten sinnvoll. Die Zinsen beim Ratenkredit sind zwar wesentlich niedriger als die Dispozinsen. aber die monatlichen Kreditraten belasten die monatliche Liquidität sehr deutlich. Wer sein Konto überzieht, weil die monatlichen Einnahmen nicht ausreichen, zahlt zwar beim Ratenkredit weniger Zinsen, aber eine vielfach höhere Rate als die Dispobelastung kostet.",[],"text_block$4dba0020-d14c-42ff-beb3-0956a2891b62",{"variation":2116,"version":1383,"items":2117,"primary":2118,"id":2124,"slice_type":2125,"slice_label":5},"latest",[],{"title":2119,"amount":2120,"topic_filter":2121,"first_big":45,"padding":45,"background":1378,"show_all_articles_button":45},"Das könnte Sie auch interessieren",3,{"id":1331,"type":1332,"tags":2122,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2123,"isBroken":45},[],"a2875652-a634-4f99-8526-85350906831e","article_cards$8ff728ca-2530-47f0-a67a-4a56de2cdf22","article_cards","Ratenkredit-Vergleich {{current_month}}\u002F{{current_year}}: vergleichen & sparen","Ratenkredit-Vergleich von FMH: Unabhängig & transparent. Jetzt besten Kredit finden – mit realistischen Zinsen & Top-Service.",{},{"id":1351,"uid":1357,"url":5,"type":1352,"href":2130,"tags":2131,"first_publication_date":1355,"last_publication_date":1356,"slugs":2132,"linked_documents":2133,"lang":13,"alternate_languages":2134,"data":2135},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aIc9vxEAACEAFoMr%22%29+%5D%5D",[],[1354],[],[],{"image":2136,"name":2142,"description":2143},{"dimensions":2137,"alt":2138,"copyright":5,"url":2139,"id":2140,"edit":2141},{"width":1535,"height":1535},"Ania Scholz-Orfanidis: Expertin für Geldanlagen, Girokonten und Ratenkredite","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaP-JD7pReVYa3tiM_ania-01.png?auto=format,compress","aP-JD7pReVYa3tiM",{"x":24,"y":24,"zoom":25,"background":26},"Ania Scholz-Orfanidis","Expertin für Geldanlagen, Girokonten und Ratenkredite",{"id":931,"uid":936,"url":937,"type":901,"href":2145,"tags":2146,"first_publication_date":934,"last_publication_date":935,"slugs":2147,"linked_documents":2148,"lang":13,"alternate_languages":2149,"data":2150},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aPjKLRIAACEAisxW%22%29+%5D%5D",[],[933],[],[],{"page_topic":2151,"page_type":2154,"title":2157,"textblock":2158,"section_1_title":5,"section_1_image":2162,"section_1_layout":2171,"section_1_links":2172,"section_2_title":5,"section_2_image":2188,"section_2_layout":2171,"section_2_links":2189,"section_3_title":5,"section_3_image":2193,"section_3_layout":2171,"section_3_links":2194,"slices":2197,"meta_title":2198,"meta_description":2199,"meta_image":2200},{"id":1331,"type":1332,"tags":2152,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2153,"isBroken":45},[],"b7098e86-33ed-462d-8609-1d91f1f45832",{"id":1339,"type":1340,"tags":2155,"lang":13,"slug":1342,"first_publication_date":1343,"last_publication_date":1344,"uid":1342,"link_type":43,"key":2156,"isBroken":45},[],"e5a4476e-fd09-459e-9e43-367ff10d56a8","Kredit-Vergleiche – passende Angebote für Ihre Finanzierung",[2159],{"type":1031,"text":2160,"spans":2161,"direction":1034},"Ob Ratenkredit, Autokredit oder Rahmenkredit: Mit den FMH-Vergleichsrechnern finden Sie schnell und unabhängig das passende Angebot für Ihren Finanzierungsbedarf. 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Kunden mit guter Bonität hingegen erhalten besonders attraktive Zinsen. Angesichts dieser Situation lässt sich so mancher Vermittler zu fragwürdigen Tipps für Verbraucher hinreißen….",[],{"id":2719,"type":1352,"tags":2720,"lang":13,"slug":2721,"first_publication_date":2722,"last_publication_date":2723,"uid":2721,"link_type":43,"key":2724,"isBroken":45},"aNvqoxIAACQAg-TQ",[],"max-herbst","2025-09-30T14:43:09+0000","2025-10-27T16:08:49+0000","13d25015-8857-4276-a2c6-a43c8a13f514",{"dimensions":2726,"alt":2728,"copyright":2729,"url":2730,"id":2731,"edit":2732},{"width":2727,"height":1535},1500,"Frau hält eine Kreditkarte und blickt mit gerunzelter Stirn auf ihr Smartphone","KI generiert","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FO8ckJ7TkJ6cNvBAL_Frau-mit-Handy-undKreditkarte-inderHand.jpg?auto=format,compress","O8ckJ7TkJ6cNvBAL",{"x":24,"y":24,"zoom":25,"background":26},{"id":1331,"type":1332,"tags":2734,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2735,"isBroken":45},[],"e768d4f5-70ae-4008-8950-abe93254f221",[2737],{"variation":1382,"version":1383,"items":2738,"primary":2739,"id":2794,"slice_type":1477,"slice_label":5},[],{"text":2740,"chart_alt":2793},[2741,2744,2747,2750,2758,2761,2764,2777,2780,2783,2786,2789],{"type":1031,"text":2742,"spans":2743,"direction":1034},"2,0 Prozent. Höher sollte die Inflation in der Eurozone eigentlich nicht liegen. Die mannigfaltigen Krisen in der Welt bewirken allerdings, dass die Teuerungsrate derzeit deutlich höher liegt. Die Europäische Zentralbank (EZB) reagiert darauf inzwischen vergleichsweise schnell – und erhöhte zuletzt im Juni die Leitzinsen. ",[],{"type":1031,"text":2745,"spans":2746,"direction":1034},"Die Folgen für die Verbraucher und die Banken sind bereits spürbar. Denn steigen die Leitzinsen, verteuern sich private Kredite – und das Kreditvolumen geht entsprechend zurück. Doch was bedeutet das genau? Und gibt es vielleicht sogar Profiteure einer solchen Entwicklung?",[],{"type":1388,"text":2748,"spans":2749,"direction":1034},"Gibt es Kredite nur noch für besonders solvente Kunden?",[],{"type":1031,"text":2751,"spans":2752,"direction":1034},"Die Frankfurter Allgemeine Zeitung hat dazu vor Kurzem eine Erhebung des Vergleichs- und Maklerportals Verivox vorgestellt. Diese kommt zu dem Ergebnis, dass Banken inzwischen wesentlich mehr Kreditanträge ablehnen als noch vor einigen Jahren. ",[2753],{"start":2754,"end":2755,"type":1368,"data":2756},124,242,{"link_type":49,"url":2757,"target":52},"https:\u002F\u002Fwww.faz.net\u002Faktuell\u002Ffinanzen\u002Fkreditzinsen-auf-3-jahres-tief-wer-profitiert-von-verivox-201047179.html",{"type":1031,"text":2759,"spans":2760,"direction":1034},"Grundsätzlich bedeuten weniger Kreditverträge für Banken immer auch weniger Geschäft – und damit eine Entwicklung, die in den Bilanzen nicht besonders gut aussieht. Der Geschäftsführer von Verivox, Oliver Maier, sieht darin aber auch etwas Gutes: Denn zumindest Kunden mit besonders guter Bonität würden nun von den Banken ganz besonders günstige Zinsen erhalten. Dahinter stecke die Idee, dass die Banken lieber auf Marge verzichten, als ihre Bilanzen mit einbrechenden Zahlen bei der Kreditvergabe zu belasten. Schlechter sehe es hingegen für klamme Kunden aus: Wer eine überschaubare Kapitaldecke hat (und deshalb wirklich auf das Darlehen angewiesen ist), gehe bei der Kreditvergabe oft leer aus, weil die Banken bei ihm (oder ihr) ein zu hohes Ausfallrisiko sehen – oder muss das hohe Risiko mit horrenden Zinsaufschlägen bezahlen.",[],{"type":1031,"text":2762,"spans":2763,"direction":1034},"Auch bei Verivox, das nicht nur Vergleiche anbietet, sondern seinen Nutzern auch Ratenkredite vermittelt, ist die mögliche Zinsspanne zwischen den angebotenen Darlehen immens. Bei einer Kreditlaufzeit von 60 Monaten reichen die Werte von 0,68 bis 14,90 Prozent pro Jahr. Je nach Bonität zahlt ein Kunde für seinen 20 000 Euro-Kredit also eine monatliche Rate zwischen 339 und 465 Euro. Die gesamte Zinslast liegt zwischen 346 Euro und 7.902 Euro.  ",[],{"type":1031,"text":2765,"spans":2766,"direction":1034},"Bei mittlerer Bonität liegt die durchschnittliche Rate nach den Daten der FMH-Finanzberatung, die auch die Angebote von Verivox im FMH-Ratenkreditvergleich listet, bei 392 Euro und die gesamte Zinssumme bei 3.528 Euro. Bei guter Bonität reduziert sich der Mittelwert auf 386 Euro pro Monat und die Zinskosten von 3.139 Euro. ",[2767,2772],{"start":2768,"end":2769,"type":1368,"data":2770},64,92,{"id":840,"type":813,"tags":2771,"lang":13,"slug":842,"first_publication_date":843,"last_publication_date":844,"uid":444,"url":845,"link_type":43,"isBroken":45},[],{"start":2773,"end":2774,"type":1368,"data":2775},131,155,{"id":377,"type":107,"tags":2776,"lang":13,"slug":110,"first_publication_date":379,"last_publication_date":380,"uid":381,"url":382,"link_type":43,"isBroken":45},[109],{"type":1388,"text":2778,"spans":2779,"direction":1034},"Fragwürdige Strategie",[],{"type":1031,"text":2781,"spans":2782,"direction":1034},"Überraschend war für mich allerdings der Tipp des Verivox-Geschäftsführers, wie Verbraucher mit mäßiger Bonität doch noch zu dem begehrten Darlehen kommen können. Maier rät dazu, den Kredit nicht alleine zu beantragen, sondern Freunde oder Verwandte mit ins Boot zu holen. Auf den ersten Blick erscheint das plausibel – vor allem, wenn die zusätzlichen Kreditnehmer finanziell bessergestellt sind, als der eigentliche Kunde. ",[],{"type":1031,"text":2784,"spans":2785,"direction":1034},"Ich persönlich würde von einem solchen Vorgehen allerdings dringend abraten. Wer von der Bank selbst mit hohen Risikoaufschlägen keinen Kredit mehr bekommt, sollte das als Warnsignal verstehen und versuchen, die eigenen Finanzen zu konsolidieren. Wer hingegen Freunde und Familie in das Schlamassel mit hineinzieht, verschärft im schlimmsten Fall die eigene Überschuldung – und belastet zudem die Beziehung zu diesen Menschen.",[],{"type":1031,"text":2787,"spans":2788,"direction":1034},"Dass ein Vermittler dennoch solchen Schritt empfiehlt, deutet aus meiner Sicht darauf hin, dass das eigene Geschäft wichtiger ist als eine verantwortliche Kundenbetreuung.\n",[],{"type":1788,"oembed":2790},{"embed_url":2791,"type":1791,"version":1792,"provider_name":1793,"thumbnail_url":2791,"html":2792,"url":2791},"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002F779a0f30-c076-4c78-9446-d9980c246ae2\u002F","\u003Cdiv data-type=\"static_image\">\u003Cimg src=\"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002F779a0f30-c076-4c78-9446-d9980c246ae2\u002F\">\u003C\u002Fdiv>","Durchschnittlicher Ratenkreditzins für 36 und 60 Monate","text_block$7fe40317-ce5c-4d31-a653-0d2b372df4a1","Ratenkredit-Zinsen steigen: Bonität entscheidet stärker","Ratenkredite werden teurer und schwerer zugänglich. Der Artikel zeigt, warum gute Bonität zählt und weshalb ein zweiter Kreditnehmer riskant sein kann.",{"dimensions":2798,"alt":2799,"copyright":2800,"url":2801,"id":2802,"edit":2803},{"width":2202,"height":2203},"Ehepaar zu Hause besorgt über Schulden und steigende Lebenshaltungskosten","Monkey Business Images, shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FlVNAQBosazLE_4o9_Paar-macht-sich-sorgen.jpg?auto=format,compress&rect=0,88,1250,656&w=2400&h=1260","lVNAQBosazLE_4o9",{"x":24,"y":1431,"zoom":25,"background":26},{"id":2805,"uid":2695,"url":2806,"type":319,"href":2807,"tags":2808,"first_publication_date":2809,"last_publication_date":2810,"slugs":2811,"linked_documents":2813,"lang":13,"alternate_languages":2814,"data":2815},"aifWLRUAACsASe2M","\u002Fartikel\u002Fdie-besten-autokredite-2026","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aifWLRUAACsASe2M%22%29+%5D%5D",[],"2026-06-09T09:25:13+0000","2026-11-06T09:23:15+0000",[2812],"autokredite-bleiben-gefragt",[],[],{"publication_date":2816,"last_edit_date":2816,"set_last_edit_date_today":45,"title":2817,"subtitle":2818,"breadcrumb_title":5,"topic":2819,"teaser":2822,"author":2831,"cover":2838,"cover_position":1360,"table_of_content":1377,"toc_calculator":1378,"toc_selection":2845,"carousel_topic_filter":2846,"slices":2849,"meta_title":2983,"meta_description":2984,"meta_image":2985,"meta_indexed":1347},"2026-06-09","Die besten Autokredite 2026","Wo Käufer von Neu- und E-Autos die besten Konditionen finden",{"id":1331,"type":1332,"tags":2820,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2821,"isBroken":45},[],"a32e51ee-4f04-4517-a1d0-220fb9595ebb",[2823],{"type":1031,"text":2824,"spans":2825,"direction":1034},"Ein neues Auto bleibt für viele Haushalte eine große Investition. Neben dem Kaufpreis entscheidet vor allem die Finanzierung über die tatsächlichen Kosten. Die FMH-Finanzberatung hat im Auftrag des Handelsblatts untersucht, welche Autokredite 2026 mit günstigen Zinsen und flexiblen Rückzahlungsoptionen überzeugen.",[2826],{"start":2827,"end":2828,"type":1368,"data":2829},198,211,{"link_type":49,"url":2830,"target":52},"https:\u002F\u002Fwww.handelsblatt.com\u002Ffinanzen\u002Fbanken-versicherungen\u002Fbanken\u002Franking-2026-die-besten-autokredite-fuer-neuwagen-und-e-autos-im-vergleich\u002F100219024.html",{"id":2832,"type":1352,"tags":2833,"lang":13,"slug":2834,"first_publication_date":2835,"last_publication_date":2836,"uid":2834,"link_type":43,"key":2837,"isBroken":45},"aPYnVBAAACMArrKx",[],"carlos-lopes-da-costa","2025-10-20T12:18:17+0000","2025-11-05T14:13:24+0000","85deb4ff-6ad7-48e2-8293-6a67eb159bbe",{"dimensions":2839,"alt":2840,"copyright":2841,"url":2842,"id":2843,"edit":2844},{"width":2727,"height":1535},"Junge Frau, die aus dem Auto schaut und lacht.","Jacob Lund, shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002Faifa7AeQX7-eXAbF_junge-frau-auto-freiheit.jpg?auto=format,compress","aifa7AeQX7-eXAbF",{"x":24,"y":24,"zoom":25,"background":26},"h1, h2, h3 + Slices",{"id":1331,"type":1332,"tags":2847,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2848,"isBroken":45},[],"799eada1-b228-4eb6-9893-4f6e5dde5f24",[2850],{"variation":1382,"version":1383,"items":2851,"primary":2852,"id":2982,"slice_type":1477,"slice_label":5},[],{"text":2853,"chart_alt":5},[2854,2857,2860,2863,2865,2868,2881,2884,2887,2890,2893,2896,2899,2902,2904,2906,2909,2914,2918,2923,2926,2932,2940,2942,2945,2948,2950,2953,2956,2959,2962,2964,2967,2975],{"type":1388,"text":2855,"spans":2856,"direction":1034},"Autokredite bleiben gefragt",[],{"type":1031,"text":2858,"spans":2859,"direction":1034},"Trotz staatlicher Förderungen und Herstelleraktionen finanzieren viele Verbraucher ihren Fahrzeugkauf ganz oder teilweise über einen Kredit. Besonders bei Elektroautos können Zuschüsse die Anschaffung erleichtern, die Finanzierung bleibt jedoch oft ein wichtiger Bestandteil des Kaufs.",[],{"type":1031,"text":2861,"spans":2862,"direction":1034},"Wer einen Autokredit abschließt, sollte nicht nur auf den beworbenen Zinssatz achten. Entscheidend ist der Effektivzins, da er sämtliche kreditrelevanten Kosten berücksichtigt und einen realistischen Vergleich ermöglicht.",[],{"type":1031,"text":1593,"spans":2864,"direction":1034},[],{"type":1599,"text":2866,"spans":2867,"direction":1034},"Was wurde untersucht?",[],{"type":1031,"text":2869,"spans":2870,"direction":1034},"Die FMH-Finanzberatung hat im Auftrag des Handelsblatts fünf Anbieter mit bonitätsunabhängigen sowie neun Anbieter mit bonitätsabhängigen Autokrediten analysiert.",[2871,2873,2876],{"start":1822,"end":1366,"type":1368,"data":2872},{"link_type":49,"url":57,"target":52},{"start":2019,"end":2874,"type":1368,"data":2875},55,{"link_type":49,"url":2830,"target":52},{"start":2877,"end":2878,"type":1368,"data":2879},151,161,{"link_type":49,"url":2880,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2026\u002Fdie-besten-autokredite",{"type":1031,"text":2882,"spans":2883,"direction":1034},"Bewertet wurden unter anderem:",[],{"type":1392,"text":2885,"spans":2886,"direction":1034},"Effektivzinsen für Laufzeiten von 36 bis 60 Monaten",[],{"type":1392,"text":2888,"spans":2889,"direction":1034},"Kreditsumme von 20.000 Euro",[],{"type":1392,"text":2891,"spans":2892,"direction":1034},"Zinsvorteile für Elektrofahrzeuge",[],{"type":1392,"text":2894,"spans":2895,"direction":1034},"Möglichkeiten zur Ratenaussetzung",[],{"type":1392,"text":2897,"spans":2898,"direction":1034},"kostenfreie Sondertilgungen",[],{"type":1031,"text":2900,"spans":2901,"direction":1034},"Bei den bonitätsabhängigen Angeboten wurden sowohl die Bestzinsen als auch die für zwei Drittel der Kunden geltenden Zinssätze berücksichtigt.",[],{"type":1031,"text":1593,"spans":2903,"direction":1034},[],{"type":1388,"text":2817,"spans":2905,"direction":1034},[],{"type":1031,"text":2907,"spans":2908,"direction":1034},"Bei den bonitätsunabhängigen Angeboten erhielten drei Anbieter die Bewertung „sehr gut“:",[],{"type":1392,"text":2910,"spans":2911,"direction":1034},"PSD Bank West",[2912],{"start":24,"end":2913,"type":1372},13,{"type":1392,"text":2915,"spans":2916,"direction":1034},"PSD Bank Rhein-Ruhr",[2917],{"start":24,"end":1396,"type":1372},{"type":1392,"text":2919,"spans":2920,"direction":1034},"ADAC Finanzdienste",[2921],{"start":24,"end":2922,"type":1372},18,{"type":1031,"text":2924,"spans":2925,"direction":1034},"Positiv bewertet wurden insbesondere der Zinsvorteil für Elektrofahrzeuge sowie flexible Rückzahlungsoptionen.",[],{"type":1031,"text":2927,"spans":2928,"direction":1034},"Bei den bonitätsabhängigen Krediten überzeugten ING und Norisbank mit der Bestnote „sehr gut“. Beide Anbieter kombinieren günstige Effektivzinsen mit flexiblen Sondertilgungsmöglichkeiten.",[2929,2930],{"start":1425,"end":1817,"type":1372},{"start":2931,"end":1848,"type":1372},56,{"type":1031,"text":2933,"spans":2934,"direction":1034},"Betrachtet man statt des Bestzinses den für viele Verbraucher aussagekräftigeren Zwei-Drittel-Zins, ergibt sich ein anderes Bild: Hier kann die BBBank die Spitzenposition für sich beanspruchen. Die ING erhält auch hier die Note „sehr gut“.",[2935,2938],{"start":2936,"end":2937,"type":1372},144,150,{"start":2827,"end":2939,"type":1372},201,{"type":1031,"text":1593,"spans":2941,"direction":1034},[],{"type":1599,"text":2943,"spans":2944,"direction":1034},"Nicht nur auf den Zinssatz achten",[],{"type":1031,"text":2946,"spans":2947,"direction":1034},"Neben einem günstigen Effektivzins spielen flexible Kreditbedingungen eine wichtige Rolle. Besonders interessant sind:",[],{"type":1392,"text":2897,"spans":2949,"direction":1034},[],{"type":1392,"text":2951,"spans":2952,"direction":1034},"mögliche Ratenpausen",[],{"type":1392,"text":2954,"spans":2955,"direction":1034},"Zinsrabatte für Elektrofahrzeuge",[],{"type":1392,"text":2957,"spans":2958,"direction":1034},"transparente Gebührenmodelle",[],{"type":1031,"text":2960,"spans":2961,"direction":1034},"Wer unerwartet zusätzliches Geld erhält, kann durch Sondertilgungen die Restschuld reduzieren und dadurch Zinskosten sparen.",[],{"type":1031,"text":1593,"spans":2963,"direction":1034},[],{"type":1599,"text":2965,"spans":2966,"direction":1034},"Fazit: Vergleichen lohnt sich",[],{"type":1031,"text":2968,"spans":2969,"direction":1034},"Die Auswertung der FMH-Finanzberatung im Auftrag des Handelsblatts zeigt, dass sich die Konditionen von Autokrediten deutlich unterscheiden. Besonders bei bonitätsabhängigen Angeboten liegen die tatsächlichen Kundenzinsen häufig über den beworbenen Bestzinsen.",[2970,2972],{"start":1822,"end":1448,"type":1368,"data":2971},{"link_type":49,"url":2880,"target":52},{"start":1869,"end":2973,"type":1368,"data":2974},66,{"link_type":49,"url":2830,"target":52},{"type":1031,"text":2976,"spans":2977,"direction":1034},"Der FMH Autokredit Vergleich bietet einen transparenten Überblick über die aktuell besten Angebote für Neu- und Elektrofahrzeuge.",[2978],{"start":1822,"end":2979,"type":1368,"data":2980},28,{"link_type":49,"url":2981,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fkredit-aufnehmen\u002Fangebote-vergleichen\u002Fautokredit","text_block$ec03013c-0ef6-41a5-8ee0-fc57af236dda","Autokredit-Vergleich 2026: Top-Konditionen | FMH.de","FMH & Handelsblatt zeigen die besten Autokredite 2026 für Neu- und E-Autos. Jetzt Zinsen, Sondertilgung und flexible Konditionen vergleichen.",{"dimensions":2986,"alt":2840,"copyright":2841,"url":2987,"id":2843,"edit":2988},{"width":2202,"height":2203},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002Faifa7AeQX7-eXAbF_junge-frau-auto-freiheit.jpg?auto=format,compress&rect=0,106,1500,788&w=2400&h=1260",{"x":24,"y":2989,"zoom":25,"background":26},106,{"id":2991,"uid":2696,"url":2992,"type":319,"href":2993,"tags":2994,"first_publication_date":2995,"last_publication_date":2996,"slugs":2997,"linked_documents":2999,"lang":13,"alternate_languages":3000,"data":3001},"aZLk7hEAACcA0kg6","\u002Fartikel\u002Fdie-besten-flexiblen-ratenkredite-2026-02","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aZLk7hEAACcA0kg6%22%29+%5D%5D",[],"2026-02-16T13:48:42+0000","2026-11-06T09:32:14+0000",[2998],"ratenkauf-per-klick--oft-teurer-als-gedacht",[],[],{"publication_date":3002,"last_edit_date":3002,"set_last_edit_date_today":45,"title":3003,"subtitle":3004,"breadcrumb_title":5,"topic":3005,"teaser":3008,"author":3017,"cover":3020,"cover_position":1360,"table_of_content":1377,"toc_calculator":1378,"toc_selection":2845,"carousel_topic_filter":3027,"slices":3030,"meta_title":3157,"meta_description":3158,"meta_image":3159,"meta_indexed":1347},"2026-02-13","Die besten flexiblen Ratenkredite 2026","Günstiger als Dispo und Online-Ratenkauf – wo Kreditnehmer jetzt sparen",{"id":1331,"type":1332,"tags":3006,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":3007,"isBroken":45},[],"c59afc0a-ce08-41d7-a746-d6f0b84fca06",[3009],{"type":1031,"text":3010,"spans":3011,"direction":1034},"Ratenzahlungen sind nur einen Klick entfernt – ob über PayPal oder beim Online-Händler. Auch der schnelle Dispo-Kredit ist leicht verfügbar. Doch viele dieser Finanzierungen sind teurer als man denkt. Die FMH-Finanzberatung hat im Auftrag der WirtschaftsWoche analysiert, welche flexiblen Ratenkredite 2026 mit fairen Zinsen und Sonderoptionen überzeugen.",[3012],{"start":3013,"end":3014,"type":1368,"data":3015},243,259,{"link_type":49,"url":3016,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fvorsorge\u002Fzinsvergleich-die-besten-flexiblen-ratenkredite-im-ueberblick\u002F100199003.html",{"id":2832,"type":1352,"tags":3018,"lang":13,"slug":2834,"first_publication_date":2835,"last_publication_date":2836,"uid":2834,"link_type":43,"key":3019,"isBroken":45},[],"d6d0b785-7bb6-457a-bcf0-40bedc6e37fd",{"dimensions":3021,"alt":3022,"copyright":3023,"url":3024,"id":3025,"edit":3026},{"width":2727,"height":1535},"Frau mit bunten Einkaufstüten","Roman Samborskyi, shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaZMfaFWLo0XkEir3_Frau-mit-Einkaufstaschen-bunt.jpg?auto=format,compress","aZMfaFWLo0XkEir3",{"x":24,"y":24,"zoom":25,"background":26},{"id":1331,"type":1332,"tags":3028,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":3029,"isBroken":45},[],"f3fcfb6e-2c4d-4f5e-a809-2e683c1ee918",[3031],{"variation":1382,"version":1383,"items":3032,"primary":3033,"id":3156,"slice_type":1477,"slice_label":5},[],{"text":3034,"chart_alt":5},[3035,3038,3040,3043,3046,3049,3052,3055,3058,3060,3062,3068,3071,3074,3077,3080,3082,3085,3087,3089,3092,3094,3098,3102,3106,3110,3112,3115,3118,3121,3124,3127,3130,3133,3136,3138,3141,3144,3147,3154],{"type":1388,"text":3036,"spans":3037,"direction":1034},"Ratenkauf per Klick – oft teurer als gedacht",[],{"type":1031,"text":1593,"spans":3039,"direction":1034},[],{"type":1031,"text":3041,"spans":3042,"direction":1034},"Ob Dispokredit, „Buy now, pay later“ oder Ratenzahlung über Zahlungsdienstleister: Finanzierungen sind heute schnell abgeschlossen. Viele Verbraucher nutzen diese Angebote direkt beim Online-Kauf oder im stationären Handel.",[],{"type":1031,"text":3044,"spans":3045,"direction":1034},"Was bequem klingt, hat jedoch seinen Preis. Dispozinsen liegen häufig bei über zehn Prozent pro Jahr. Auch Ratenzahlungen über Zahlungsdienstleister oder Händlerfinanzierungen können hohe effektive Jahreszinsen verursachen – insbesondere, wenn Laufzeiten verlängert oder Zahlungen verspätet geleistet werden.",[],{"type":1031,"text":3047,"spans":3048,"direction":1034},"Ein klassischer Ratenkredit ist in den meisten Fällen deutlich günstiger und kalkulierbar.",[],{"type":1599,"text":3050,"spans":3051,"direction":1034},"Wann sich ein Ratenkredit lohnt",[],{"type":1031,"text":3053,"spans":3054,"direction":1034},"Größere Anschaffungen wie Möbel, Elektronik oder Renovierungen lassen sich häufig günstiger über einen Ratenkredit finanzieren als über kurzfristige Teilzahlungsmodelle.",[],{"type":1031,"text":3056,"spans":3057,"direction":1034},"Auch bei mehreren kleinen Ratenkäufen kann eine Umschuldung sinnvoll sein. Statt verschiedene Einzelverträge mit unterschiedlichen Zinssätzen zu bedienen, bündeln Kreditnehmer ihre Verbindlichkeiten in einem übersichtlichen Kredit, oft zu besseren Konditionen.",[],{"type":1031,"text":1593,"spans":3059,"direction":1034},[],{"type":1599,"text":2866,"spans":3061,"direction":1034},[],{"type":1031,"text":3063,"spans":3064,"direction":1034},"Die FMH-Finanzberatung hat im Auftrag der WirtschaftsWoche flexible Ratenkredite mit bonitätsabhängigen Zinsen analysiert.",[3065],{"start":1864,"end":1435,"type":1368,"data":3066},{"link_type":49,"url":3067,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2026\u002Fdie-besten-flexiblen-ratenkredite-wirtschaftswoche",{"type":1031,"text":3069,"spans":3070,"direction":1034},"Bewertet wurden:",[],{"type":1392,"text":3072,"spans":3073,"direction":1034},"Effektivzins bei bester Bonität (36–60 Monate Laufzeit)",[],{"type":1392,"text":3075,"spans":3076,"direction":1034},"Zwei-Drittel-Zins (Zins den die Mehrheit der Kunden erhält)",[],{"type":1392,"text":3078,"spans":3079,"direction":1034},"Möglichkeit zur Ratenaussetzung",[],{"type":1392,"text":2897,"spans":3081,"direction":1034},[],{"type":1031,"text":3083,"spans":3084,"direction":1034},"Im Mittelpunkt stand die Frage, welche Anbieter günstige Zinsen mit echter Flexibilität kombinieren.",[],{"type":1031,"text":1593,"spans":3086,"direction":1034},[],{"type":1388,"text":3003,"spans":3088,"direction":1034},[],{"type":1031,"text":3090,"spans":3091,"direction":1034},"Vier Anbieter erhielten die Bestnote „sehr gut“:",[],{"type":1031,"text":1593,"spans":3093,"direction":1034},[],{"type":1392,"text":3095,"spans":3096,"direction":1034},"BBBank eG",[3097],{"start":24,"end":1401,"type":1372},{"type":1392,"text":3099,"spans":3100,"direction":1034},"Deutsche Skatbank",[3101],{"start":24,"end":2031,"type":1372},{"type":1392,"text":3103,"spans":3104,"direction":1034},"norisbank",[3105],{"start":24,"end":1401,"type":1372},{"type":1392,"text":3107,"spans":3108,"direction":1034},"Targobank",[3109],{"start":24,"end":1401,"type":1372},{"type":1031,"text":1593,"spans":3111,"direction":1034},[],{"type":1031,"text":3113,"spans":3114,"direction":1034},"Alle vier ermöglichen kostenfreie Sondertilgungen. Unterschiede zeigen sich bei Zinshöhe und Flexibilität bei Ratenpausen.",[],{"type":1599,"text":3116,"spans":3117,"direction":1034},"Flexibilität als entscheidendes Kriterium",[],{"type":1031,"text":3119,"spans":3120,"direction":1034},"Moderne Ratenkredite bieten heute deutlich mehr Spielraum als früher. Dazu zählen:",[],{"type":1031,"text":3122,"spans":3123,"direction":1034},"•\tkostenfreie Sondertilgungen",[],{"type":1031,"text":3125,"spans":3126,"direction":1034},"•\tflexible Ratenaussetzungen",[],{"type":1031,"text":3128,"spans":3129,"direction":1034},"•\ttransparente Gebührenmodelle",[],{"type":1031,"text":3131,"spans":3132,"direction":1034},"Wer flexibel finanzieren möchte, sollte besonders auf den Zwei-Drittel-Zins achten, dieser gibt realistisch an, was die Mehrheit der Kunden tatsächlich zahlt.",[],{"type":1031,"text":3134,"spans":3135,"direction":1034},"Eine längere Laufzeit reduziert die monatliche Rate. Zusätzliche Sondertilgungen helfen, die Gesamtkosten wieder zu senken.",[],{"type":1031,"text":1593,"spans":3137,"direction":1034},[],{"type":1388,"text":3139,"spans":3140,"direction":1034},"Fazit: Bequeme Ratenzahlung ist nicht immer günstig",[],{"type":1031,"text":3142,"spans":3143,"direction":1034},"Ratenzahlungen per Klick wirken unkompliziert – sind aber häufig teurer als klassische Ratenkredite. Besonders bei größeren Beträgen oder mehreren Finanzierungen lohnt sich ein Vergleich.",[],{"type":1031,"text":3145,"spans":3146,"direction":1034},"Die Auswertung der FMH-Finanzberatung im Auftrag der WirtschaftsWoche zeigt: Wer Zinsen, Flexibilität und Zusatzoptionen berücksichtigt, kann deutlich sparen.",[],{"type":1031,"text":3148,"spans":3149,"direction":1034},"Der FMH Ratenkredit-Vergleich bietet einen transparenten Überblick über die besten Angebote.",[3150],{"start":1822,"end":3151,"type":1368,"data":3152},29,{"link_type":49,"url":3153,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fkredit-aufnehmen\u002Fangebote-vergleichen\u002Fkredit",{"type":1031,"text":1593,"spans":3155,"direction":1034},[],"text_block$cdb29def-c870-464b-8319-eb8e844a8366","Flexible Ratenkredite 2026: Zinsen vergleichen | FMH.de","Ratenkauf oder Kredit? FMH & WirtschaftsWoche zeigen 2026 die besten flexiblen Ratenkredite mit günstigen Zinsen & Sondertilgung. Jetzt vergleichen.",{"dimensions":3160,"alt":3022,"copyright":3023,"url":3161,"id":3025,"edit":3162},{"width":2202,"height":2203},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaZMfaFWLo0XkEir3_Frau-mit-Einkaufstaschen-bunt.jpg?auto=format,compress&rect=0,106,1500,788&w=2400&h=1260",{"x":24,"y":2989,"zoom":25,"background":26}]