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Meist bewegen sich die Sätze aber zwischen sieben und elf Prozent. Damit unterschreitet das Gros der Anbieter deutlich die durchschnittlichen Dispozinsen, die derzeit bei elf Prozent liegen.  ",[1401],{"start":24,"end":1402,"type":1371},12,{"type":1388,"text":1404,"spans":1405,"direction":1034},"Flexibilität und Planungssicherheit: Der Kreditrahmen bleibt dauerhaft bestehen, solange die Bonität stabil bleibt. Das macht Abrufkredite ideal für alle, die öfters größere Kreditbeträge benötigen und ungern jedes Mal Bankgespräche führen möchten. ",[1406],{"start":24,"end":1407,"type":1371},36,"text_block$b5db20b9-aac1-4800-b0c2-f7ac35078ac8","text_block",{"variation":1411,"version":1379,"items":1412,"primary":1413,"id":1444,"slice_type":1445,"slice_label":5},"text_right_image_left",[],{"title":1414,"body":1415,"image":1436,"background":5,"background_darkmode":5},"ING Rahmenkredit*",[1416,1427],{"type":1031,"text":1417,"spans":1418,"direction":1034},"✅ Flexibler Kreditrahmen von 2.500 – 25.000 €\n✅ 8,54 % p.a. effektiver Jahreszins\n✅ Jederzeit abrufbar – wie ein günstigerer Dispo\n✅ Zinsen nur auf den tatsächlich genutzten Betrag",[1419,1422,1424],{"start":1420,"end":1421,"type":1371},28,45,{"start":1392,"end":1423,"type":1371},60,{"start":1425,"end":1426,"type":1371},105,130,{"type":1031,"text":1428,"spans":1429,"direction":1034},"➡️ Rahmenkredit beantragen",[1430,1432],{"start":24,"end":1431,"type":1371},26,{"start":1433,"end":1431,"type":1367,"data":1434},3,{"link_type":49,"url":1435,"target":52},"https:\u002F\u002Fwww.ing.de\u002Felp\u002Frahmenkredit\u002F?wt_mc=affiliate.financeads..30062.15151&faid=30062&ci1=1911465263X30062C12415151TS62",{"dimensions":1437,"alt":1440,"copyright":1440,"url":1441,"id":1442,"edit":1443},{"width":1438,"height":1439},2084,696,"ING","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaSgXYnNYClf9ngcg_ING.png?auto=format,compress","aSgXYnNYClf9ngcg",{"x":24,"y":24,"zoom":25,"background":26},"content_with_image_side$f613719c-5c29-4d68-af35-089c9d414e5b","content_with_image_side",{"variation":1411,"version":1379,"items":1447,"primary":1448,"id":1477,"slice_type":1445,"slice_label":5},[],{"title":1449,"body":1450,"image":1471,"background":5,"background_darkmode":5},"ComfortCredit*",[1451,1465],{"type":1031,"text":1452,"spans":1453,"direction":1034},"✅ 2.500 – 25.000 € Kreditrahmen – jederzeit abrufbar\n✅ 12 Monate Startzins von nur 6,96 % effektiv p.a.\n✅ Monatliche Mindestrate von lediglich 1,00 % des Kreditrahmens\n✅ Sondertilgungen und vorzeitige Ablösungen jederzeit möglich",[1454,1456,1459,1462],{"start":25,"end":1455,"type":1371},19,{"start":1457,"end":1458,"type":1371},55,74,{"start":1460,"end":1461,"type":1371},83,103,{"start":1463,"end":1464,"type":1371},143,149,{"type":1031,"text":1428,"spans":1466,"direction":1034},[1467,1468],{"start":24,"end":1431,"type":1371},{"start":1433,"end":1431,"type":1367,"data":1469},{"link_type":49,"url":1470,"target":52},"https:\u002F\u002Fwww.volkswagenbank.de\u002Fkredite-finanzieren\u002Frahmenkredit.html",{"dimensions":1472,"alt":1473,"copyright":1473,"url":1474,"id":1475,"edit":1476},{"width":1438,"height":1439},"Volkswagen Bank","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaSghOXNYClf9ng9R_VolkswagenBank.png?auto=format,compress","aSghOXNYClf9ng9R",{"x":24,"y":24,"zoom":25,"background":26},"content_with_image_side$40273650-204b-491a-bd27-6c54f9f70895",{"variation":1378,"version":1379,"items":1479,"primary":1480,"id":1489,"slice_type":1409,"slice_label":5},[],{"text":1481,"chart_alt":5},[1482],{"type":1031,"text":1483,"spans":1484,"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.",[1485,1486],{"start":24,"end":25,"type":1371},{"start":1487,"end":1488,"type":1371},138,172,"text_block$9f2c815b-9905-4320-8335-08c28171873a",{"variation":1378,"version":1379,"items":1491,"primary":1492,"id":1609,"slice_type":1409,"slice_label":5},[],{"text":1493,"chart_alt":5},[1494,1497,1500,1503,1512,1515,1518,1522,1527,1533,1539,1542,1545,1548,1550,1553,1556,1558,1561,1564,1566,1569,1574,1576,1579,1582,1584,1587,1593,1595,1598,1601,1603,1606],{"type":1384,"text":1495,"spans":1496,"direction":1034},"Was ist ein Rahmenkredit? ",[],{"type":1031,"text":1498,"spans":1499,"direction":1034},"Ein Rahmenkredit ermöglicht es Kunden, sich auf besonders flexible Weise Geld zu leihen. Bei dieser Kreditform ist der Zinssatz nicht festgeschrieben, sondern kann sich ändern. Damit funktioniert ein Rahmen- oder ähnlich wie ein Dispo beim Girokonto. ",[],{"type":1031,"text":1501,"spans":1502,"direction":1034},"Allerdings bieten Rahmenkredite im Vergleich deutliche Vorteile.  ",[],{"type":1031,"text":1504,"spans":1505,"direction":1034},"Nach der einmaligen Genehmigung des Kreditrahmens durch die Bank kann der Kunde (oder die Kundin) flexibel auf eben jenen Rahmen zugreifen.  Die Beträge, die die Bank zur Verfügung stellen beginnen meist bei 2.500 Euro und können bis zu 50.000 Euro. Je nach Bedarf kann der Kreditnehmer hiervon entweder Teilbeträge oder die volle Summe abrufen.   ",[1506,1509],{"start":1507,"end":1508,"type":1371},208,250,{"start":1510,"end":1511,"type":1371},294,344,{"type":1031,"text":1513,"spans":1514,"direction":1034},"Was die Tilgung des Kredites angeht, wird meist eine monatliche Mindestrückzahlung von ein bis zwei Prozent des genutzten Betrags vereinbart. Kostenlose Sondertilgungen sind jederzeit möglich. Sobald die Restschuld (ganz oder teilweise) getilgt ist, kann der Kunde sich erneut Geld bei der Bank leihen, ohne erneut einen Kreditantrag stellen zu müssen. ",[],{"type":1031,"text":1516,"spans":1517,"direction":1034},"",[],{"type":1519,"text":1520,"spans":1521,"direction":1034},"heading3","Beispielrechnung zum Rahmenkredit: ",[],{"type":1388,"text":1523,"spans":1524,"direction":1034},"Ein Kunde vereinbart einen Kreditrahmen von 10.000 Euro. ",[1525],{"start":1526,"end":1457,"type":1371},27,{"type":1388,"text":1528,"spans":1529,"direction":1034},"Von diesem Betrag nimmt er 3.000 Euro in Anspruch. ",[1530],{"start":1531,"end":1532,"type":1371},32,49,{"type":1388,"text":1534,"spans":1535,"direction":1034},"Der Zinssatz für den abgerufenen Kreditbetrag liegt bei 6,5 Prozent pro Jahr. ",[1536],{"start":1537,"end":1538,"type":1371},56,76,{"type":1031,"text":1540,"spans":1541,"direction":1034},"Damit zahlt unser Kunde pro Monat 16,25 Euro Zinsen. ",[],{"type":1388,"text":1543,"spans":1544,"direction":1034},"Zahlt er die 3000 Euro nach zwei Monaten zurück, kostet ihn der Kredit also nur 32,50 Euro. Zum Vergleich: ein durchschnittlicher Dispo von elf Prozent Zinsen pro Jahr kosten pro Monat 27,50 Euro Zinsen und für 2 Monate 55 Euro. ",[],{"type":1031,"text":1546,"spans":1547,"direction":1034},"Im Ergebnis kombiniert ein Rahmenkredit daher die Vorteile eines Dispo-Kredites (Flexibilität) mit denen eines Ratenkredits (niedrigere Zinsen und planbare Rückzahlung). ",[],{"type":1031,"text":1516,"spans":1549,"direction":1034},[],{"type":1384,"text":1551,"spans":1552,"direction":1034},"Wie komme ich an einen Rahmenkredit? ",[],{"type":1031,"text":1554,"spans":1555,"direction":1034},"Die Anzahl der Anbieter ist begrenzt. Helfen soll Ihnen bei der Wahl des passenden Angebotes diese Seite.  ",[],{"type":1031,"text":1516,"spans":1557,"direction":1034},[],{"type":1519,"text":1559,"spans":1560,"direction":1034},"Einrichtung und Nutzung: ",[],{"type":1031,"text":1562,"spans":1563,"direction":1034},"Nach einer positiven Bonitätsprüfung richtet die Bank ein Kreditkonto ein und stellt den vereinbarten Kreditbetrag zur Verfügung. Innerhalb dieses Rahmens kann der Kunde Geld abrufen – ganz oder in Teilbeträgen. ",[],{"type":1031,"text":1516,"spans":1565,"direction":1034},[],{"type":1519,"text":1567,"spans":1568,"direction":1034},"Zinsberechnung:",[],{"type":1031,"text":1570,"spans":1571,"direction":1034},"Zinsen fallen nur auf den tatsächlich genutzten Betrag an, nicht auf den gesamten Kreditrahmen. \nBeispiel: Wer einen Rahmenkredit über 10.000 Euro hat, aber nur 2.000 abgerufen hat, zahlt auch nur auf 2.000 Euro Zinsen. ",[1572],{"start":24,"end":1573,"type":1371},54,{"type":1031,"text":1516,"spans":1575,"direction":1034},[],{"type":1519,"text":1577,"spans":1578,"direction":1034},"Rückzahlung:",[],{"type":1031,"text":1580,"spans":1581,"direction":1034},"Die Rückzahlung erfolgt flexibel. Die meisten Banken verlangen allerdings eine monatliche Mindesttilgung von 50 Euro oder zwei Prozent der abgerufenen Darlehenssumme. Sonderzahlungen oder die komplette Tilgung sind jederzeit möglich. Ohne Vorfälligkeitsentschädigung. ",[],{"type":1031,"text":1516,"spans":1583,"direction":1034},[],{"type":1519,"text":1585,"spans":1586,"direction":1034},"Zinshöhe:",[],{"type":1031,"text":1588,"spans":1589,"direction":1034},"Die durchschnittlichen Zinsen für Rahmenkredite liegen aktuell (Stand Juni 2026) zwischen sieben und elf Prozent (je nach Bank und Modalität). ",[1590],{"start":1591,"end":1592,"type":1371},90,142,{"type":1031,"text":1516,"spans":1594,"direction":1034},[],{"type":1519,"text":1596,"spans":1597,"direction":1034},"Zinsbindung und Laufzeit:",[],{"type":1031,"text":1599,"spans":1600,"direction":1034},"Rahmenkredite haben keine feste Laufzeit. Der Kreditrahmen bleibt bestehen, solange keine Vertragskündigung erfolgt und die Bonität des Kunden stabil bleibt. ",[],{"type":1031,"text":1516,"spans":1602,"direction":1034},[],{"type":1519,"text":1604,"spans":1605,"direction":1034},"Sicherheit:",[],{"type":1031,"text":1607,"spans":1608,"direction":1034},"Da der Kredit nicht grundbuchlich gesichert ist, hängt die Bewilligung vom Einkommen und der Bonität ab. Eine Schufa-Abfrage ist Standard.",[],"text_block$342f3e10-b67b-4afc-8592-3a33e45a5cc4",{"variation":1378,"version":1379,"items":1611,"primary":1612,"id":1727,"slice_type":1728,"slice_label":5},[],{"title":1613,"table":1614},"Vorteile und Nachteile eines Rahmenkredits",{"head":1615,"body":1637},{"rows":1616},[1617],{"key":1618,"cells":1619},"6b65af6b-d45e-43ff-994a-f518873e3fe0",[1620,1629],{"key":1621,"type":1622,"content":1623},"5dd1287d-ae3f-4978-9cd6-d0bd2b649ca8","header",[1624],{"type":1031,"text":1625,"spans":1626,"direction":1034},"Vorteile ",[1627],{"start":24,"end":1628,"type":1371},8,{"key":1630,"type":1622,"content":1631},"d3e4d84a-0ce2-421d-b875-c255786bcab0",[1632],{"type":1031,"text":1633,"spans":1634,"direction":1034},"Nachteile ",[1635],{"start":24,"end":1636,"type":1371},9,{"rows":1638},[1639,1655,1670,1685,1699,1713],{"key":1640,"cells":1641},"a82e6ee4-1d0d-4122-b376-374c90ba864f",[1642,1649],{"key":1643,"type":1644,"content":1645},"de4e3ab6-d55c-4d02-ab49-3575a519c0dc","data",[1646],{"type":1031,"text":1647,"spans":1648,"direction":1034},"Deutlich günstiger als ein Dispokredit ",[],{"key":1650,"type":1644,"content":1651},"9b3bd26c-5534-4b93-a98a-a1fa093dc41b",[1652],{"type":1031,"text":1653,"spans":1654,"direction":1034},"Variabler Zinssatz: Zinsänderungen möglich ",[],{"key":1656,"cells":1657},"6f2fa1a1-919a-4a6b-8dde-e45523b99d0e",[1658,1664],{"key":1659,"type":1644,"content":1660},"60b09e16-847d-4dc2-8cfd-1ea0884e42f4",[1661],{"type":1031,"text":1662,"spans":1663,"direction":1034},"Flexibilität – Geld ist jederzeit abrufbar ",[],{"key":1665,"type":1644,"content":1666},"daca7964-70d2-488c-b4a1-8d2b166c61ad",[1667],{"type":1031,"text":1668,"spans":1669,"direction":1034},"In Schufa wird der maximale Kreditrahmen vermerkt ",[],{"key":1671,"cells":1672},"d0d769db-0b99-462e-9139-f3a02e845f47",[1673,1679],{"key":1674,"type":1644,"content":1675},"072817c9-55a2-4154-8732-4e7e4da00a3a",[1676],{"type":1031,"text":1677,"spans":1678,"direction":1034},"Zinsen nur auf den tatsächlich genutzten Betrag ",[],{"key":1680,"type":1644,"content":1681},"56e34ae5-9e88-41f9-a816-c79d99e67f8c",[1682],{"type":1031,"text":1683,"spans":1684,"direction":1034},"Normale bis gute langfristige Bonität erforderlich ",[],{"key":1686,"cells":1687},"b85c03b5-abc9-4742-b124-845197aef658",[1688,1694],{"key":1689,"type":1644,"content":1690},"c34fd60b-f2bb-4536-9599-60bf731d4158",[1691],{"type":1031,"text":1692,"spans":1693,"direction":1034},"Keine feste Laufzeit, jederzeit rückzahlbar ",[],{"key":1695,"type":1644,"content":1696},"ddcde6a0-2f9b-4950-be4f-faa62d891594",[1697],{"type":1031,"text":1374,"spans":1698,"direction":1034},[],{"key":1700,"cells":1701},"15bae52d-3a71-480b-bff8-0be92d0f22c8",[1702,1708],{"key":1703,"type":1644,"content":1704},"da529b24-1067-49bf-9af5-eddebb0ecf77",[1705],{"type":1031,"text":1706,"spans":1707,"direction":1034},"Kreditpuffer bis zur vereinbarten Obergrenze",[],{"key":1709,"type":1644,"content":1710},"7faa4897-121a-4878-a4d0-3a4bab87fd91",[1711],{"type":1031,"text":1374,"spans":1712,"direction":1034},[],{"key":1714,"cells":1715},"44bb6494-0cfb-4b39-9c0c-0c9b097dbee8",[1716,1722],{"key":1717,"type":1644,"content":1718},"5ec433a0-05a2-4313-b568-98fb27771e18",[1719],{"type":1031,"text":1720,"spans":1721,"direction":1034},"Ein Bankgespräch genügt, um mehrfach Geld bei der Bank zu leihen. ",[],{"key":1723,"type":1644,"content":1724},"e2ce1b64-3b7c-49da-aa8d-e63164282d3f",[1725],{"type":1031,"text":1374,"spans":1726,"direction":1034},[],"basic_table$079d75b5-82e7-49e3-aa70-53fe27498823","basic_table",{"variation":1378,"version":1379,"items":1730,"primary":1731,"id":1883,"slice_type":1409,"slice_label":5},[],{"text":1732,"chart_alt":5},[1733,1738,1740,1743,1747,1752,1757,1761,1764,1767,1770,1772,1775,1780,1784,1789,1795,1803,1805,1808,1811,1813,1816,1819,1822,1828,1830,1833,1838,1850,1854,1865,1870,1873,1877],{"type":1031,"text":1734,"spans":1735,"direction":1034},"Fazit: Der Rahmenkredit ist die ideale Lösung für Kunden, die regelmäßigen einen höheren Liquiditätsbedarf haben und daher flexibel auf Fremdkapital zugreifen wollen. Je nach Bonität lassen sich unterschiedlich hohe Beträge vereinbaren. Ein Dispo ist hingegen stets auf die Höhe von maximal drei Monatsgehältern begrenzt.  ",[1736],{"start":24,"end":1737,"type":1371},6,{"type":1031,"text":1516,"spans":1739,"direction":1034},[],{"type":1384,"text":1741,"spans":1742,"direction":1034},"Für wen eignet sich ein Rahmenkredit? ",[],{"type":1031,"text":1744,"spans":1745,"direction":1034},"1. Unternehmer und Familien \nWer häufiger schwankende Einnahmen und Ausgaben hat (z. B. Selbstständige, Freiberufler oder Familien), profitiert von der Flexibilität des Abrufkredits. ",[1746],{"start":24,"end":1526,"type":1371},{"type":1031,"text":1748,"spans":1749,"direction":1034},"2. Verbraucher, die maximale Flexibilität wünschen \nViele Verbraucher nutzen den Rahmenkredit, weil der Dispo stark an die Höhe des Nettoeinkommens gekoppelt ist. ",[1750],{"start":24,"end":1751,"type":1371},50,{"type":1031,"text":1753,"spans":1754,"direction":1034},"3. Kunden, die einen finanziellen Puffer haben wollen \nOb defekte Waschmaschine, Autoreparatur oder Arztrechnung – der Rahmenkredit schafft Liquidität, ohne dass jedes Mal Kreditgespräche geführt werden müssen. ",[1755],{"start":24,"end":1756,"type":1371},53,{"type":1031,"text":1758,"spans":1759,"direction":1034},"Weniger geeignet ist der Rahmenkredit für: ",[1760],{"start":24,"end":1365,"type":1371},{"type":1388,"text":1762,"spans":1763,"direction":1034},"Verbraucher, die ständig sich am Kreditlimit bewegen ",[],{"type":1388,"text":1765,"spans":1766,"direction":1034},"Personen mit mäßiger oder schlechter Bonität. ",[],{"type":1388,"text":1768,"spans":1769,"direction":1034},"Zur Finanzierung größerer Anschaffungen. Hier ist ein langlaufender Ratenkredit meist die bessere Wahl. ",[],{"type":1031,"text":1516,"spans":1771,"direction":1034},[],{"type":1384,"text":1773,"spans":1774,"direction":1034},"Aktuelle Zinssituation und Marktvergleich (Stand 06\u002F2026)",[],{"type":1031,"text":1776,"spans":1777,"direction":1034},"Die durchschnittlichen Zinsen für Rahmenkredite bewegen sich aktuell zwischen sieben und elf Prozent (je nach Bank und Modalität)  \nZum Vergleich: ",[1778],{"start":1779,"end":1426,"type":1371},78,{"type":1388,"text":1781,"spans":1782,"direction":1034},"Dispozinsen: durchschnittlich 10,79 Prozent ",[1783],{"start":24,"end":1402,"type":1371},{"type":1388,"text":1785,"spans":1786,"direction":1034},"Ratenkredite: zwischen fünf und neun Prozent  ",[1787],{"start":24,"end":1788,"type":1371},13,{"type":1031,"text":1790,"spans":1791,"direction":1034},"Damit liegt der Rahmenkredit preismäßig im Mittelfeld. Er ist deutlich günstiger als der Dispo, etwas teurer als der klassische Ratenkredit. ",[1792],{"start":1793,"end":1794,"type":1371},62,139,{"type":1796,"oembed":1797},"embed",{"embed_url":1798,"type":1799,"version":1800,"provider_name":1801,"thumbnail_url":1798,"html":1802,"url":1798},"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002Fc9e77e00-c61a-4258-b927-104cc0bd6957\u002F","rich","1.0","static_image","\u003Cdiv data-type=\"static_image\">\u003Cimg src=\"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002Fc9e77e00-c61a-4258-b927-104cc0bd6957\u002F\">\u003C\u002Fdiv>",{"type":1031,"text":1516,"spans":1804,"direction":1034},[],{"type":1519,"text":1806,"spans":1807,"direction":1034},"Zinsentwicklung ",[],{"type":1031,"text":1809,"spans":1810,"direction":1034},"Die Europäische Zentralbank (EZB) hat die Leitzinsen im Jahr 2025 in vier Stufen von vier auf zwei Prozent gesenkt und im Juni 2026 wieder um 0,25 Prozentpunkte erhöht. Weitere Erhöhungen sind wegen der Iran-Krise im Jahr 2026 noch zu erwarten. Somit dürfte sich im laufenden Jahr auch die Kreditzinsen wieder leicht nach oben bewegen. Die FMH erwartet allerdings keine großen Ausschläge nach oben oder noch nach unten und damit eine relativ konstante Seitwärtsbewegung der Zinsen.  ",[],{"type":1031,"text":1516,"spans":1812,"direction":1034},[],{"type":1519,"text":1814,"spans":1815,"direction":1034},"Marktunterschiede ",[],{"type":1031,"text":1817,"spans":1818,"direction":1034},"Die Zahl der Rahmenkreditangebote ist überschaubar. Zu nennen ist zunächst die große ING mit einem seit Jahren bekannten Rahmenkreditangebot. Ebenfalls erwähnenswert sind die Ikano Bank und Volkswagen Bank. Auf regionaler Ebene können Kunden zum Beispiel bei der Stadtsparkasse Augsburg, Ostsächsische Sparkasse und der Saalesparkasse vorsprechen, um nur einige regionale Institute zu nennen. ",[],{"type":1031,"text":1820,"spans":1821,"direction":1034},"Jedes Institut hat seine besonderen Vorgaben und Regelungen, die man schnell erkunden kann. ",[],{"type":1031,"text":1823,"spans":1824,"direction":1034},"FMH.de vergleicht laufend marktrelevante Anbieter und liefert so tagesaktuelle Zinssätze und einige Bonitätsanforderungen und Rückzahlungsbedingungen. ",[1825],{"start":1826,"end":1827,"type":1371},65,89,{"type":1031,"text":1516,"spans":1829,"direction":1034},[],{"type":1384,"text":1831,"spans":1832,"direction":1034},"Alternativen zum Rahmenkredit ",[],{"type":1031,"text":1834,"spans":1835,"direction":1034},"1. Ratenkredit ",[1836],{"start":24,"end":1837,"type":1371},14,{"type":1031,"text":1839,"spans":1840,"direction":1034},"Ideal für einmalige, größere Anschaffungen mit klar definiertem Finanzierungsbedarf. \nVorteile: fester Zinssatz, klare Laufzeit, planbare Raten. \nNachteil: kein erneuter Zugriff auf das zurückgezahlte Geld. \n👉 Tipp: Für größere Investitionen wie Modernisierungen am Haus und im Haus ist der Ratenkredit meist die bessere Lösung ",[1841,1843,1845],{"start":1842,"end":1365,"type":1371},10,{"start":1507,"end":1844,"type":1371},216,{"start":1846,"end":1847,"type":1367,"data":1848},292,303,{"link_type":49,"url":1849,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fkredit-aufnehmen\u002Fangebote-vergleichen\u002Fkredit",{"type":1031,"text":1851,"spans":1852,"direction":1034},"2. Dispokredit ",[1853],{"start":24,"end":1837,"type":1371},{"type":1031,"text":1855,"spans":1856,"direction":1034},"Direkt ans Girokonto gekoppelt, jederzeit nutzbar, sofern der Dispositionskredit mit der Bank abgesprochen und genehmigt ist. \nVorteil: maximale Flexibilität. \nNachteil: hohe Zinsen. Maximale Kredithöhe ist begrenzt.  \n👉 Tipp: Dispo für Unvorhergesehenes und zur Überbrückung eines kurzfristigen Engpasses.  ",[1857,1862],{"start":1858,"end":1859,"type":1367,"data":1860},11,20,{"link_type":49,"url":1861,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fkonto-karte\u002Fangebote-vergleichen\u002Fgirokonto",{"start":1863,"end":1864,"type":1371},219,227,{"type":1031,"text":1866,"spans":1867,"direction":1034},"3. Kreditkarte mit Teilzahlungsfunktion ",[1868],{"start":24,"end":1869,"type":1371},39,{"type":1031,"text":1871,"spans":1872,"direction":1034},"Erlaubt flexible Rückzahlung, allerdings zu hohen Sollzinsen. \nEmpfehlung: Nur sinnvoll, wenn der Sollbetrag jeden Monat vollständig ausgeglichen wird. ",[],{"type":1031,"text":1874,"spans":1875,"direction":1034},"4. Baufinanzierung oder Modernisierungskredit ",[1876],{"start":24,"end":1421,"type":1371},{"type":1031,"text":1878,"spans":1879,"direction":1034},"Wenn der Kreditbedarf 50.000 Euro überschreitet und ein Bezug zu eigenen Immobilien hat, sind zweckgebundene Kredite meist sinnvoller. \n👉 Tipp: Wer noch nicht genau weiß, wie hoch die Investitionssumme ausfällt, kann vorher alles mit einem Rahmenkredit bedienen und am Ende in ein langfristiges Baudarlehen oder in einen Modernisierungskredit umschulden.",[1880],{"start":1881,"end":1882,"type":1371},136,144,"text_block$8134ee73-9522-41ec-8643-1601606a1eb5",{"variation":1378,"version":1379,"items":1885,"primary":1886,"id":1934,"slice_type":67,"slice_label":5},[],{"title":1887,"center_title":45,"border":1888,"open_close_icon":1889,"max_width":1890,"list":1891},"Häufig gestellte Fragen zum Rahmenkredit",true,"Caret","none",[1892,1898,1904,1910,1916,1922,1928],{"question":1893,"answer":1894},"Ist ein Rahmenkredit günstiger als ein Dispo?",[1895],{"type":1031,"text":1896,"spans":1897,"direction":1034},"Ja. Während Dispozinsen im Mittelwert 10,75 Prozent kosten und an das jeweilige Girokonto gebunden ist, kann man sich seinen Rahmenkredit-Geldgeber frei auswählen und ist meist auch noch günstiger zu haben.",[],{"question":1899,"answer":1900},"Wie hoch ist der mögliche Kreditrahmen?",[1901],{"type":1031,"text":1902,"spans":1903,"direction":1034},"Je nach Bonität sind Summen zwischen 2.500 und 25.000 Euro üblich, in Einzelfällen auch bis 50.000 Euro. Je sicherer das Einkommen des Interessenten und je besser dessen Bonität, desto höher liegt in der Regel der maximale Kreditrahmen.",[],{"question":1905,"answer":1906},"Wie lange besteht der Kreditrahmen?",[1907],{"type":1031,"text":1908,"spans":1909,"direction":1034},"Unbegrenzt, solange keine Kündigung erfolgt und die Bonität erhalten bleibt. Banken überprüfen in der Regel alle zwölf bis 24 Monate die Einkommenssituation des Kunden.",[],{"question":1911,"answer":1912},"Wie schnell steht das Geld zur Verfügung?",[1913],{"type":1031,"text":1914,"spans":1915,"direction":1034},"Bei digitalen Anbietern können Kunden oft innerhalb von zwei bis drei Werktagen auf den Kreditbetrag zugreifen.",[],{"question":1917,"answer":1918},"Kann ich den Kredit jederzeit kündigen oder ablösen?",[1919],{"type":1031,"text":1920,"spans":1921,"direction":1034},"Ja, beides ist kostenlos möglich.",[],{"question":1923,"answer":1924},"Welche Unterlagen sind nötig?",[1925],{"type":1031,"text":1926,"spans":1927,"direction":1034},"In der Regel verlangen Banken einen Personalausweis, aktuelle Gehaltsnachweise (meist drei Monate) und ggf. Kontoauszüge. Zudem werden die Institute meist noch eine eigene Schufa-Abfrage durchführen. Sehr häufig erwarten Banken überdies eine Erlaubnis zur sogenannten PSD2 Überprüfung. Kunden erlauben der Bank dann, online alle Kontobewegungen der vergangenen drei Monate zu scannen und zu bewerten. Der Vorteil: Oft werden Gehaltsnachweise dadurch hinfällig, weil die Bank diese auf dem Kontoverlauf sieht. ",[],{"question":1929,"answer":1930},"Hat der Rahmenkredit Einfluss auf die Schufa?",[1931],{"type":1031,"text":1932,"spans":1933,"direction":1034},"Ja, wie jede Kreditlinie wird auch er von der Schufa erfasst. Wichtig zu wissen: Die Auskunftei erhält den maximale Kreditlimit mitgeteilt, da die Bank ja nicht weiß, ob und wann der Kunde sein Limit ausschöpft.",[],"faq$3aea19cc-b199-48d6-9f45-8bae755fbdd9",{"variation":1378,"version":1379,"items":1936,"primary":1937,"id":1947,"slice_type":1409,"slice_label":5},[],{"text":1938,"chart_alt":5},[1939,1942],{"type":1384,"text":1940,"spans":1941,"direction":1034},"Fazit: Flexible Liquidität mit Plan ",[],{"type":1031,"text":1943,"spans":1944,"direction":1034},"Ein Rahmenkredit ist die ideale Kombination aus Finanzreserve, Flexibilität und Kostenkontrolle. Er schließt die Lücke zwischen Dispo und Ratenkredit und bietet finanzielle Sicherheit, ohne starre Laufzeiten oder hohe Zinsaufschläge. \nWer den Kredit verantwortungsvoll nutzt und regelmäßig Konditionen vergleicht, profitiert von fairen Zinsen und jederzeit verfügbarem Kapital. ",[1945],{"start":1392,"end":1946,"type":1371},95,"text_block$59e55d81-7b7e-4b8f-b450-03f36f91884a",{"variation":1949,"version":1379,"items":1950,"primary":1951,"id":1956,"slice_type":1957,"slice_label":5},"latest",[],{"title":1952,"amount":1433,"topic_filter":1953,"first_big":45,"padding":45,"background":1374,"show_all_articles_button":45},"Das könnte Sie auch interessieren",{"id":1331,"type":1332,"tags":1954,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":1955,"isBroken":45},[],"d2e079e1-d690-4f80-b196-3359018a571f","article_cards$380edb51-c7aa-4144-8f57-19e940a7a0b6","article_cards","Rahmenkredit {{current_month}}\u002F{{current_year}} – flexible Alternative  | FMH.de","Vergleichen Sie aktuelle Rahmenkredite. 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Diese kommt zu dem Ergebnis, dass Banken inzwischen wesentlich mehr Kreditanträge ablehnen als noch vor einigen Jahren. ",[2484],{"start":2485,"end":2486,"type":1367,"data":2487},124,242,{"link_type":49,"url":2488,"target":52},"https:\u002F\u002Fwww.faz.net\u002Faktuell\u002Ffinanzen\u002Fkreditzinsen-auf-3-jahres-tief-wer-profitiert-von-verivox-201047179.html",{"type":1031,"text":2490,"spans":2491,"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":2493,"spans":2494,"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":2496,"spans":2497,"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. ",[2498,2503],{"start":2499,"end":2500,"type":1367,"data":2501},64,92,{"id":840,"type":813,"tags":2502,"lang":13,"slug":842,"first_publication_date":843,"last_publication_date":844,"uid":444,"url":845,"link_type":43,"isBroken":45},[],{"start":2504,"end":2505,"type":1367,"data":2506},131,155,{"id":377,"type":107,"tags":2507,"lang":13,"slug":110,"first_publication_date":379,"last_publication_date":380,"uid":381,"url":382,"link_type":43,"isBroken":45},[109],{"type":1384,"text":2509,"spans":2510,"direction":1034},"Fragwürdige Strategie",[],{"type":1031,"text":2512,"spans":2513,"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":2515,"spans":2516,"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":2518,"spans":2519,"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":1796,"oembed":2521},{"embed_url":2522,"type":1799,"version":1800,"provider_name":1801,"thumbnail_url":2522,"html":2523,"url":2522},"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":2529,"alt":2530,"copyright":2531,"url":2532,"id":2533,"edit":2534},{"width":2035,"height":2036},"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":2535,"zoom":25,"background":26},88,{"id":2537,"uid":2426,"url":2538,"type":319,"href":2539,"tags":2540,"first_publication_date":2541,"last_publication_date":2542,"slugs":2543,"linked_documents":2545,"lang":13,"alternate_languages":2546,"data":2547},"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",[2544],"autokredite-bleiben-gefragt",[],[],{"publication_date":2548,"last_edit_date":2548,"set_last_edit_date_today":45,"title":2549,"subtitle":2550,"breadcrumb_title":5,"topic":2551,"teaser":2554,"author":2563,"cover":2570,"cover_position":1359,"table_of_content":1373,"toc_calculator":1374,"toc_selection":2577,"carousel_topic_filter":2578,"slices":2581,"meta_title":2714,"meta_description":2715,"meta_image":2716,"meta_indexed":1888},"2026-06-09","Die besten Autokredite 2026","Wo Käufer von Neu- und E-Autos die besten Konditionen finden",{"id":1331,"type":1332,"tags":2552,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2553,"isBroken":45},[],"a32e51ee-4f04-4517-a1d0-220fb9595ebb",[2555],{"type":1031,"text":2556,"spans":2557,"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.",[2558],{"start":2559,"end":2560,"type":1367,"data":2561},198,211,{"link_type":49,"url":2562,"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":2564,"type":1351,"tags":2565,"lang":13,"slug":2566,"first_publication_date":2567,"last_publication_date":2568,"uid":2566,"link_type":43,"key":2569,"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":2571,"alt":2572,"copyright":2573,"url":2574,"id":2575,"edit":2576},{"width":2458,"height":1970},"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":2579,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2580,"isBroken":45},[],"799eada1-b228-4eb6-9893-4f6e5dde5f24",[2582],{"variation":1378,"version":1379,"items":2583,"primary":2584,"id":2713,"slice_type":1409,"slice_label":5},[],{"text":2585,"chart_alt":5},[2586,2589,2592,2595,2597,2600,2614,2617,2620,2623,2626,2629,2632,2635,2637,2639,2642,2646,2650,2655,2658,2664,2671,2673,2676,2679,2681,2684,2687,2690,2693,2695,2698,2707],{"type":1384,"text":2587,"spans":2588,"direction":1034},"Autokredite bleiben gefragt",[],{"type":1031,"text":2590,"spans":2591,"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":2593,"spans":2594,"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":1516,"spans":2596,"direction":1034},[],{"type":1519,"text":2598,"spans":2599,"direction":1034},"Was wurde untersucht?",[],{"type":1031,"text":2601,"spans":2602,"direction":1034},"Die FMH-Finanzberatung hat im Auftrag des Handelsblatts fünf Anbieter mit bonitätsunabhängigen sowie neun Anbieter mit bonitätsabhängigen Autokrediten analysiert.",[2603,2607,2609],{"start":2604,"end":2605,"type":1367,"data":2606},4,22,{"link_type":49,"url":57,"target":52},{"start":1365,"end":1457,"type":1367,"data":2608},{"link_type":49,"url":2562,"target":52},{"start":2610,"end":2611,"type":1367,"data":2612},151,161,{"link_type":49,"url":2613,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2026\u002Fdie-besten-autokredite",{"type":1031,"text":2615,"spans":2616,"direction":1034},"Bewertet wurden unter anderem:",[],{"type":1388,"text":2618,"spans":2619,"direction":1034},"Effektivzinsen für Laufzeiten von 36 bis 60 Monaten",[],{"type":1388,"text":2621,"spans":2622,"direction":1034},"Kreditsumme von 20.000 Euro",[],{"type":1388,"text":2624,"spans":2625,"direction":1034},"Zinsvorteile für Elektrofahrzeuge",[],{"type":1388,"text":2627,"spans":2628,"direction":1034},"Möglichkeiten zur Ratenaussetzung",[],{"type":1388,"text":2630,"spans":2631,"direction":1034},"kostenfreie Sondertilgungen",[],{"type":1031,"text":2633,"spans":2634,"direction":1034},"Bei den bonitätsabhängigen Angeboten wurden sowohl die Bestzinsen als auch die für zwei Drittel der Kunden geltenden Zinssätze berücksichtigt.",[],{"type":1031,"text":1516,"spans":2636,"direction":1034},[],{"type":1384,"text":2549,"spans":2638,"direction":1034},[],{"type":1031,"text":2640,"spans":2641,"direction":1034},"Bei den bonitätsunabhängigen Angeboten erhielten drei Anbieter die Bewertung „sehr gut“:",[],{"type":1388,"text":2643,"spans":2644,"direction":1034},"PSD Bank West",[2645],{"start":24,"end":1788,"type":1371},{"type":1388,"text":2647,"spans":2648,"direction":1034},"PSD Bank Rhein-Ruhr",[2649],{"start":24,"end":1455,"type":1371},{"type":1388,"text":2651,"spans":2652,"direction":1034},"ADAC Finanzdienste",[2653],{"start":24,"end":2654,"type":1371},18,{"type":1031,"text":2656,"spans":2657,"direction":1034},"Positiv bewertet wurden insbesondere der Zinsvorteil für Elektrofahrzeuge sowie flexible Rückzahlungsoptionen.",[],{"type":1031,"text":2659,"spans":2660,"direction":1034},"Bei den bonitätsabhängigen Krediten überzeugten ING und Norisbank mit der Bestnote „sehr gut“. Beide Anbieter kombinieren günstige Effektivzinsen mit flexiblen Sondertilgungsmöglichkeiten.",[2661,2663],{"start":1392,"end":2662,"type":1371},51,{"start":1537,"end":1826,"type":1371},{"type":1031,"text":2665,"spans":2666,"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“.",[2667,2669],{"start":1882,"end":2668,"type":1371},150,{"start":2559,"end":2670,"type":1371},201,{"type":1031,"text":1516,"spans":2672,"direction":1034},[],{"type":1519,"text":2674,"spans":2675,"direction":1034},"Nicht nur auf den Zinssatz achten",[],{"type":1031,"text":2677,"spans":2678,"direction":1034},"Neben einem günstigen Effektivzins spielen flexible Kreditbedingungen eine wichtige Rolle. Besonders interessant sind:",[],{"type":1388,"text":2630,"spans":2680,"direction":1034},[],{"type":1388,"text":2682,"spans":2683,"direction":1034},"mögliche Ratenpausen",[],{"type":1388,"text":2685,"spans":2686,"direction":1034},"Zinsrabatte für Elektrofahrzeuge",[],{"type":1388,"text":2688,"spans":2689,"direction":1034},"transparente Gebührenmodelle",[],{"type":1031,"text":2691,"spans":2692,"direction":1034},"Wer unerwartet zusätzliches Geld erhält, kann durch Sondertilgungen die Restschuld reduzieren und dadurch Zinskosten sparen.",[],{"type":1031,"text":1516,"spans":2694,"direction":1034},[],{"type":1519,"text":2696,"spans":2697,"direction":1034},"Fazit: Vergleichen lohnt sich",[],{"type":1031,"text":2699,"spans":2700,"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.",[2701,2704],{"start":2604,"end":2702,"type":1367,"data":2703},37,{"link_type":49,"url":2613,"target":52},{"start":1756,"end":2705,"type":1367,"data":2706},66,{"link_type":49,"url":2562,"target":52},{"type":1031,"text":2708,"spans":2709,"direction":1034},"Der FMH Autokredit Vergleich bietet einen transparenten Überblick über die aktuell besten Angebote für Neu- und Elektrofahrzeuge.",[2710],{"start":2604,"end":1420,"type":1367,"data":2711},{"link_type":49,"url":2712,"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":2717,"alt":2572,"copyright":2573,"url":2718,"id":2575,"edit":2719},{"width":2035,"height":2036},"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":2720,"zoom":25,"background":26},106,{"id":2722,"uid":2427,"url":2723,"type":319,"href":2724,"tags":2725,"first_publication_date":2726,"last_publication_date":2727,"slugs":2728,"linked_documents":2730,"lang":13,"alternate_languages":2731,"data":2732},"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",[2729],"ratenkauf-per-klick--oft-teurer-als-gedacht",[],[],{"publication_date":2733,"last_edit_date":2733,"set_last_edit_date_today":45,"title":2734,"subtitle":2735,"breadcrumb_title":5,"topic":2736,"teaser":2739,"author":2748,"cover":2751,"cover_position":1359,"table_of_content":1373,"toc_calculator":1374,"toc_selection":2577,"carousel_topic_filter":2758,"slices":2761,"meta_title":2890,"meta_description":2891,"meta_image":2892,"meta_indexed":1888},"2026-02-13","Die besten flexiblen Ratenkredite 2026","Günstiger als Dispo und Online-Ratenkauf – wo Kreditnehmer jetzt sparen",{"id":1331,"type":1332,"tags":2737,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2738,"isBroken":45},[],"c59afc0a-ce08-41d7-a746-d6f0b84fca06",[2740],{"type":1031,"text":2741,"spans":2742,"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.",[2743],{"start":2744,"end":2745,"type":1367,"data":2746},243,259,{"link_type":49,"url":2747,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fvorsorge\u002Fzinsvergleich-die-besten-flexiblen-ratenkredite-im-ueberblick\u002F100199003.html",{"id":2564,"type":1351,"tags":2749,"lang":13,"slug":2566,"first_publication_date":2567,"last_publication_date":2568,"uid":2566,"link_type":43,"key":2750,"isBroken":45},[],"d6d0b785-7bb6-457a-bcf0-40bedc6e37fd",{"dimensions":2752,"alt":2753,"copyright":2754,"url":2755,"id":2756,"edit":2757},{"width":2458,"height":1970},"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":2759,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2760,"isBroken":45},[],"f3fcfb6e-2c4d-4f5e-a809-2e683c1ee918",[2762],{"variation":1378,"version":1379,"items":2763,"primary":2764,"id":2889,"slice_type":1409,"slice_label":5},[],{"text":2765,"chart_alt":5},[2766,2769,2771,2774,2777,2780,2783,2786,2789,2791,2793,2801,2804,2807,2810,2813,2815,2818,2820,2822,2825,2827,2831,2836,2840,2844,2846,2849,2852,2855,2858,2861,2864,2867,2870,2872,2875,2878,2881,2887],{"type":1384,"text":2767,"spans":2768,"direction":1034},"Ratenkauf per Klick – oft teurer als gedacht",[],{"type":1031,"text":1516,"spans":2770,"direction":1034},[],{"type":1031,"text":2772,"spans":2773,"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":2775,"spans":2776,"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":2778,"spans":2779,"direction":1034},"Ein klassischer Ratenkredit ist in den meisten Fällen deutlich günstiger und kalkulierbar.",[],{"type":1519,"text":2781,"spans":2782,"direction":1034},"Wann sich ein Ratenkredit lohnt",[],{"type":1031,"text":2784,"spans":2785,"direction":1034},"Größere Anschaffungen wie Möbel, Elektronik oder Renovierungen lassen sich häufig günstiger über einen Ratenkredit finanzieren als über kurzfristige Teilzahlungsmodelle.",[],{"type":1031,"text":2787,"spans":2788,"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":1516,"spans":2790,"direction":1034},[],{"type":1519,"text":2598,"spans":2792,"direction":1034},[],{"type":1031,"text":2794,"spans":2795,"direction":1034},"Die FMH-Finanzberatung hat im Auftrag der WirtschaftsWoche flexible Ratenkredite mit bonitätsabhängigen Zinsen analysiert.",[2796],{"start":2797,"end":2798,"type":1367,"data":2799},111,121,{"link_type":49,"url":2800,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2026\u002Fdie-besten-flexiblen-ratenkredite-wirtschaftswoche",{"type":1031,"text":2802,"spans":2803,"direction":1034},"Bewertet wurden:",[],{"type":1388,"text":2805,"spans":2806,"direction":1034},"Effektivzins bei bester Bonität (36–60 Monate Laufzeit)",[],{"type":1388,"text":2808,"spans":2809,"direction":1034},"Zwei-Drittel-Zins (Zins den die Mehrheit der Kunden erhält)",[],{"type":1388,"text":2811,"spans":2812,"direction":1034},"Möglichkeit zur Ratenaussetzung",[],{"type":1388,"text":2630,"spans":2814,"direction":1034},[],{"type":1031,"text":2816,"spans":2817,"direction":1034},"Im Mittelpunkt stand die Frage, welche Anbieter günstige Zinsen mit echter Flexibilität kombinieren.",[],{"type":1031,"text":1516,"spans":2819,"direction":1034},[],{"type":1384,"text":2734,"spans":2821,"direction":1034},[],{"type":1031,"text":2823,"spans":2824,"direction":1034},"Vier Anbieter erhielten die Bestnote „sehr gut“:",[],{"type":1031,"text":1516,"spans":2826,"direction":1034},[],{"type":1388,"text":2828,"spans":2829,"direction":1034},"BBBank eG",[2830],{"start":24,"end":1636,"type":1371},{"type":1388,"text":2832,"spans":2833,"direction":1034},"Deutsche Skatbank",[2834],{"start":24,"end":2835,"type":1371},17,{"type":1388,"text":2837,"spans":2838,"direction":1034},"norisbank",[2839],{"start":24,"end":1636,"type":1371},{"type":1388,"text":2841,"spans":2842,"direction":1034},"Targobank",[2843],{"start":24,"end":1636,"type":1371},{"type":1031,"text":1516,"spans":2845,"direction":1034},[],{"type":1031,"text":2847,"spans":2848,"direction":1034},"Alle vier ermöglichen kostenfreie Sondertilgungen. Unterschiede zeigen sich bei Zinshöhe und Flexibilität bei Ratenpausen.",[],{"type":1519,"text":2850,"spans":2851,"direction":1034},"Flexibilität als entscheidendes Kriterium",[],{"type":1031,"text":2853,"spans":2854,"direction":1034},"Moderne Ratenkredite bieten heute deutlich mehr Spielraum als früher. Dazu zählen:",[],{"type":1031,"text":2856,"spans":2857,"direction":1034},"•\tkostenfreie Sondertilgungen",[],{"type":1031,"text":2859,"spans":2860,"direction":1034},"•\tflexible Ratenaussetzungen",[],{"type":1031,"text":2862,"spans":2863,"direction":1034},"•\ttransparente Gebührenmodelle",[],{"type":1031,"text":2865,"spans":2866,"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":2868,"spans":2869,"direction":1034},"Eine längere Laufzeit reduziert die monatliche Rate. Zusätzliche Sondertilgungen helfen, die Gesamtkosten wieder zu senken.",[],{"type":1031,"text":1516,"spans":2871,"direction":1034},[],{"type":1384,"text":2873,"spans":2874,"direction":1034},"Fazit: Bequeme Ratenzahlung ist nicht immer günstig",[],{"type":1031,"text":2876,"spans":2877,"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":2879,"spans":2880,"direction":1034},"Die Auswertung der FMH-Finanzberatung im Auftrag der WirtschaftsWoche zeigt: Wer Zinsen, Flexibilität und Zusatzoptionen berücksichtigt, kann deutlich sparen.",[],{"type":1031,"text":2882,"spans":2883,"direction":1034},"Der FMH Ratenkredit-Vergleich bietet einen transparenten Überblick über die besten Angebote.",[2884],{"start":2604,"end":2885,"type":1367,"data":2886},29,{"link_type":49,"url":1849,"target":52},{"type":1031,"text":1516,"spans":2888,"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":2893,"alt":2753,"copyright":2754,"url":2894,"id":2756,"edit":2895},{"width":2035,"height":2036},"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":2720,"zoom":25,"background":26}]