{"id":7225,"date":"2022-08-02T08:21:53","date_gmt":"2022-08-02T06:21:53","guid":{"rendered":"https:\/\/www.nachhilfe-team.net\/studitipps\/?p=7225"},"modified":"2023-02-21T13:37:25","modified_gmt":"2023-02-21T12:37:25","slug":"annuitaet","status":"publish","type":"post","link":"https:\/\/www.nachhilfe-team.net\/studitipps\/annuitaet\/","title":{"rendered":"Annuit\u00e4t &#8211; Schritt f\u00fcr Schritt Berechnung"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text]<span id=\"post-ratings-7225\" class=\"post-ratings\" data-nonce=\"c3452f907a\"><img decoding=\"async\" id=\"rating_7225_1\" src=\"https:\/\/www.nachhilfe-team.net\/studitipps\/wp-content\/plugins\/wp-postratings\/images\/stars\/rating_on.gif\" alt=\"1 Stern\" title=\"1 Stern\" onmouseover=\"current_rating(7225, 1, '1 Stern');\" onmouseout=\"ratings_off(3.8, 4, 0);\" onclick=\"rate_post();\" onkeypress=\"rate_post();\" style=\"cursor: pointer; border: 0px;\" \/><img decoding=\"async\" id=\"rating_7225_2\" src=\"https:\/\/www.nachhilfe-team.net\/studitipps\/wp-content\/plugins\/wp-postratings\/images\/stars\/rating_on.gif\" alt=\"2 Sterne\" title=\"2 Sterne\" onmouseover=\"current_rating(7225, 2, '2 Sterne');\" onmouseout=\"ratings_off(3.8, 4, 0);\" onclick=\"rate_post();\" onkeypress=\"rate_post();\" style=\"cursor: pointer; border: 0px;\" \/><img decoding=\"async\" id=\"rating_7225_3\" src=\"https:\/\/www.nachhilfe-team.net\/studitipps\/wp-content\/plugins\/wp-postratings\/images\/stars\/rating_on.gif\" alt=\"3 Sterne\" title=\"3 Sterne\" onmouseover=\"current_rating(7225, 3, '3 Sterne');\" onmouseout=\"ratings_off(3.8, 4, 0);\" onclick=\"rate_post();\" onkeypress=\"rate_post();\" style=\"cursor: pointer; border: 0px;\" \/><img decoding=\"async\" id=\"rating_7225_4\" src=\"https:\/\/www.nachhilfe-team.net\/studitipps\/wp-content\/plugins\/wp-postratings\/images\/stars\/rating_half.gif\" alt=\"4 Sterne\" title=\"4 Sterne\" onmouseover=\"current_rating(7225, 4, '4 Sterne');\" onmouseout=\"ratings_off(3.8, 4, 0);\" onclick=\"rate_post();\" onkeypress=\"rate_post();\" style=\"cursor: pointer; border: 0px;\" \/><img decoding=\"async\" id=\"rating_7225_5\" src=\"https:\/\/www.nachhilfe-team.net\/studitipps\/wp-content\/plugins\/wp-postratings\/images\/stars\/rating_off.gif\" alt=\"5 Sterne\" title=\"5 Sterne\" onmouseover=\"current_rating(7225, 5, '5 Sterne');\" onmouseout=\"ratings_off(3.8, 4, 0);\" onclick=\"rate_post();\" onkeypress=\"rate_post();\" style=\"cursor: pointer; border: 0px;\" \/> <strong>3,75<\/strong> von 5 Sterne<\/span><span id=\"post-ratings-7225-loading\" class=\"post-ratings-loading\"><img decoding=\"async\" src=\"https:\/\/www.nachhilfe-team.net\/studitipps\/wp-content\/plugins\/wp-postratings\/images\/loading.gif\" width=\"16\" height=\"16\" class=\"post-ratings-image\" \/>Loading...<\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]Du wei\u00dft, dass man Darlehen inklusive Zinsen tilgen musst. Doch dann f\u00e4llt da auf einmal der Begriff <strong>Annuit\u00e4t<\/strong>. Was ist das eigentlich?<\/p>\n<p>In diesem Artikel erf\u00e4hrst du\u2026<\/p>\n<p>&#8230;eine kurze <strong>Definition<\/strong><br \/>\n&#8230;Vor- und Nachteile des <strong>Annuit\u00e4tendarlehens<\/strong><br \/>\n&#8230;wie du die Annuit\u00e4t und den <strong>Annuit\u00e4tenfaktor<\/strong> berechnest<\/p>\n<p>Legen wir sofort los![\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Inhalt<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69faf1d21e00a\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69faf1d21e00a\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.nachhilfe-team.net\/studitipps\/annuitaet\/#Annuitaet_Definition\" >Annuit\u00e4t Definition<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.nachhilfe-team.net\/studitipps\/annuitaet\/#Annuitaetendarlehen_%E2%80%93_2_wichtige_Vor-_und_Nachteile\" >Annuit\u00e4tendarlehen &#8211; 2 wichtige Vor- und Nachteile<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.nachhilfe-team.net\/studitipps\/annuitaet\/#Annuitaet_simpel_berechnen\" >Annuit\u00e4t simpel berechnen<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.nachhilfe-team.net\/studitipps\/annuitaet\/#Annuitaetenfaktor_berechnen_mit_Beispiel\" >Annuit\u00e4tenfaktor berechnen mit Beispiel<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.nachhilfe-team.net\/studitipps\/annuitaet\/#Annuitaetendarlehen_berechnen\" >Annuit\u00e4tendarlehen berechnen<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.nachhilfe-team.net\/studitipps\/annuitaet\/#FAQ\" >FAQ<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Annuitaet_Definition\"><\/span>Annuit\u00e4t Definition<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]Die <strong>Annuit\u00e4t<\/strong> ist ein wichtiger Begriff der <strong>Investitionsrechnung<\/strong>. Wenn du ein <strong>Darlehen<\/strong> mit einer festgelegten Laufzeit tilgst, ist sie eine regelm\u00e4\u00dfige Zahlung, die aus 2 Teilen besteht: Der<a href=\"https:\/\/www.nachhilfe-team.net\/lernen-leicht-gemacht\/zinsrechnung\" target=\"_blank\" rel=\"noopener\"><strong> Zinszahlung<\/strong><\/a> und der <strong>Tilgungszahlung<\/strong>.<\/p>\n<p>Das Besondere an dieser Rentenform ist die <strong>Konstanz der Zahlungsh\u00f6he<\/strong>. Du leistest als Kreditnehmer immer den gleichen, vorher festgelegten Betrag.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_single_image image=&#8220;9759&#8243; img_size=&#8220;full&#8220; alignment=&#8220;center&#8220;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]Deine anf\u00e4nglichen Zahlungen haben einen relativ hohen Anteil an Zinszahlungen, dieser Anteil verringert sich mit der Zeit aber immer weiter. Das liegt daran, dass <strong>die Zinsen sich an der Darlehensh\u00f6he orientieren<\/strong> und diese mit fortlaufenden Zahlungen immer geringer wird &#8211; somit <strong>sinkt<\/strong> nat\u00fcrlich auch die <strong>Zinsbelastung.<\/strong>[\/vc_column_text][vc_message message_box_color=&#8220;sky&#8220;]Also ist der Betrag, den du zahlst, immer gleich. Nur die Verteilung von Zinszahlung und Tilgungszahlung \u00e4ndert sich stetig.[\/vc_message][vc_text_separator title=&#8220;&#8220; i_icon_fontawesome=&#8220;fas fa-calculator&#8220; color=&#8220;blue&#8220; border_width=&#8220;3&#8243; add_icon=&#8220;true&#8220;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Annuitaetendarlehen_%E2%80%93_2_wichtige_Vor-_und_Nachteile\"><\/span>Annuit\u00e4tendarlehen &#8211; 2 wichtige Vor- und Nachteile<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]Annuit\u00e4tendarlehen ist ein Klassiker in der <strong>Baufinanzierung<\/strong> und eignet sich besonders f\u00fcr Darlehensnehmer, die eine gekaufte oder gebaute Immobilie selbst bewohnen wollen. Folgende Gr\u00fcnde sprechen f\u00fcr ein Annuit\u00e4tendarlehen:[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_message message_box_color=&#8220;green&#8220; icon_fontawesome=&#8220;fas fa-check&#8220;]<\/p>\n<p style=\"text-align: center;\"><strong>Vorteile<\/strong><\/p>\n<p>Der gro\u00dfe Vorteil eines Annuit\u00e4tendarlehens liegt in seiner <strong>Kontinuit\u00e4t<\/strong>.<\/p>\n<ul>\n<li>die zu zahlende Rate aus Zins und Tilgung <strong>bleibt gleich<\/strong><\/li>\n<li>beim Annuit\u00e4tendarlehen hast du eine <strong>lange Zinsbindung<\/strong>. Das sch\u00fctzt dich vor zuk\u00fcnftigen Zinserh\u00f6hungen und bietet wegen der konstanten Raten <strong>Planungssicherheit<\/strong><\/li>\n<\/ul>\n<p>[\/vc_message][\/vc_column][\/vc_row][vc_row][vc_column][vc_message message_box_color=&#8220;danger&#8220; icon_fontawesome=&#8220;fas fa-times&#8220;]<\/p>\n<p style=\"text-align: center;\"><strong>Nachteile<\/strong><\/p>\n<ul>\n<li>Eine<strong> \u00c4nderung<\/strong> des Kreditvertrags f\u00fcr ein Annuit\u00e4tendarlehen ist nur <strong>schwer m\u00f6glich<\/strong>. Die H\u00f6he der Sondertilgung muss immer vorab festgelegt und vereinbart werden<\/li>\n<li>Bei vorzeitiger R\u00fcckzahlung wird meist eine <strong>Entsch\u00e4digung<\/strong> an den Kreditgeber f\u00e4llig, die sogenannte <strong>Vorf\u00e4lligkeitsentsch\u00e4digung<\/strong>. (Dies gilt allerdings auch f\u00fcr andere Arten der Finanzierung)<\/li>\n<\/ul>\n<p>[\/vc_message][vc_text_separator title=&#8220;&#8220; i_icon_fontawesome=&#8220;fas fa-calculator&#8220; color=&#8220;blue&#8220; border_width=&#8220;3&#8243; add_icon=&#8220;true&#8220;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Annuitaet_simpel_berechnen\"><\/span>Annuit\u00e4t simpel berechnen<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]Wir wollen dir das Ganze jetzt noch klarer machen, nat\u00fcrlich mit einem Beispiel. Nehmen wir an du baust ein Haus und nimmst daf\u00fcr einen Kredit in H\u00f6he von <strong>200.000\u20ac<\/strong> auf. Du hast einen Zinssatz von <strong>3%<\/strong> und deine Annuit\u00e4t liegt bei j\u00e4hrlich <strong>10.000\u20ac.<\/strong><\/p>\n<p>Nun wollen wir herausfinden, wie unsere Zahlung in Zins- und Tilgungszahlung aufgeteilt ist.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_single_image image=&#8220;9760&#8243; img_size=&#8220;full&#8220; alignment=&#8220;center&#8220;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]Somit setzt sich deine erste Zahlung aus <strong>6.000<\/strong> Euro Zinszahlung und <strong>4.000<\/strong> Euro Tilgungszahlungen zusammen.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]Um jetzt die n\u00e4chste Rate herauszufinden, m\u00fcssen wir die <strong>ge\u00e4nderte H\u00f6he des Darlehens<\/strong> ber\u00fccksichtigen. Wir haben also schon <strong>4000\u20ac<\/strong> getilgt, somit haben wir ein Restdarlehen in H\u00f6he von <strong>196.000\u20ac<\/strong>. Wir berechnen die Zinszahlung neu.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_single_image image=&#8220;9761&#8243; img_size=&#8220;full&#8220; alignment=&#8220;center&#8220;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]Die Zinszahlung ist jetzt anteilig etwas kleiner und der <strong>Betrag verschiebt sich in Richtung Tilgungszahlung<\/strong>.<\/p>\n<p>Dies geht so lange weiter, bis der Kredit getilgt wurde.[\/vc_column_text][vc_text_separator title=&#8220;&#8220; i_icon_fontawesome=&#8220;fas fa-calculator&#8220; color=&#8220;blue&#8220; border_width=&#8220;3&#8243; add_icon=&#8220;true&#8220;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Annuitaetenfaktor_berechnen_mit_Beispiel\"><\/span>Annuit\u00e4tenfaktor berechnen mit Beispiel<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]Nat\u00fcrlich willst du auch wissen, wie man auf die <strong>H\u00f6he der Annuit\u00e4t<\/strong> kommt. Daf\u00fcr ben\u00f6tigen wir die <strong>H\u00f6he des Darlehens<\/strong> und die <strong>Laufzeit der Annuit\u00e4t<\/strong>, sowie <strong>den Zinssatz<\/strong>.<\/p>\n<p>Mit diesen Variablen kannst du den <strong>Annuit\u00e4tenfaktor<\/strong>, oder auch Kapitalwiedergewinnungsfaktor bestimmen. Im Prinzip rechnen wir hier den Rentenbarwertfaktor r\u00fcckw\u00e4rts.<\/p>\n<p>Die Formel dazu lautet:[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_single_image image=&#8220;9762&#8243; img_size=&#8220;full&#8220; alignment=&#8220;center&#8220;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]Schauen wir uns das Ganze doch an einem Beispiel an.<\/p>\n<p>Stell dir vor, du kaufst ein Auto und nimmst daf\u00fcr einen Kredit von <strong>60.000\u20ac<\/strong> auf. Du m\u00f6chtest den Kredit in Form einer Annuit\u00e4t in den n\u00e4chsten<strong> 5 Jahren<\/strong> abbezahlen, der Zinssatz liegt bei <strong>4%<\/strong>. Wie hoch ist der Annuit\u00e4tenfaktor?[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_single_image image=&#8220;9763&#8243; img_size=&#8220;full&#8220; alignment=&#8220;center&#8220;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]Mit dem Annuit\u00e4tenfaktor kannst du nun die Annuit\u00e4t bestimmen, indem du die Gesamtzahlung mit dem Faktor rechnest. Also <strong>60.000\u20ac *0,225= 13.500\u20ac<\/strong>. Du kommst also auf eine j\u00e4hrliche Annuit\u00e4t von <strong>13.500\u20ac<\/strong>.[\/vc_column_text][vc_text_separator title=&#8220;&#8220; i_icon_fontawesome=&#8220;fas fa-calculator&#8220; color=&#8220;blue&#8220; border_width=&#8220;3&#8243; add_icon=&#8220;true&#8220;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Annuitaetendarlehen_berechnen\"><\/span>Annuit\u00e4tendarlehen berechnen<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]Wir nehmen an, du nimmst einen Kredit \u00fcber <strong>100.000\u20ac<\/strong> \u00fcber eine Dauer von <strong>5 Jahren<\/strong> und einem festen Jahreszinssatz von<strong> 5%<\/strong> auf.<\/p>\n<p>Nun k\u00f6nnen wir mit diesen Daten einen Tilgungsplan aufstellen.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_message]Hier kannst du dich auch gerne mal testen, ob du mit den oben gezeigten Rechnungen auf diese Werte in der Tabelle kommst.[\/vc_message][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n<table class=\"wp-list-table widefat fixed striped table-view-list wptbtables\">\n<tbody id=\"the-list\" data-wp-lists=\"list:wptbtable\">\n<tr>\n<td class=\"shortcode column-shortcode\" data-colname=\"Shortcode\">\n<div class=\"wptb-main-shortcode-div\">\n<div class=\"wptb-listing-shortcode-inner-wrap\">\n<div class=\"wptb-listing-shortcode-raw\"><div class=\"wptb-container-legacy\" data-table-id=\"9765\">\n    <table class=\"wptb-preview-table wptb-element-main-table_setting-9765 edit-active\" data-reconstraction=\"1\" style=\"border: 4px solid rgb(0, 0, 0);\" data-wptb-table-tds-sum-max-width=\"692\" data-wptb-cells-width-auto-count=\"6\" data-wptb-horizontal-scroll-status=\"false\" data-wptb-extra-styles=\"LyogRW50ZXIgeW91ciBjdXN0b20gQ1NTIHJ1bGVzIGhlcmUgKi8=\" role=\"table\" data-table-columns=\"6\"><tbody><tr class=\"wptb-row\"><td class=\"wptb-cell\" data-y-index=\"0\" data-x-index=\"0\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-597\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>Jahr<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"0\" data-x-index=\"1\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-598\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>Restschuld zu Beginn des Jahres \u20ac<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"0\" data-x-index=\"2\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-599\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>Zins<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"0\" data-x-index=\"3\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-600\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>Tilgung \u20ac<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"0\" data-x-index=\"4\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-601\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>Annuit\u00e4t \u20ac<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"0\" data-x-index=\"5\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-602\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>Restschuld am Ende des Jahres \u20ac<\/p><\/div><\/div><\/td><\/tr><tr class=\"wptb-row\"><td class=\"wptb-cell\" data-y-index=\"1\" data-x-index=\"0\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-603\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>1<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"1\" data-x-index=\"1\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-604\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>100.000<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"1\" data-x-index=\"2\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-605\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>5.00,00<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"1\" data-x-index=\"3\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-606\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>18.097,48<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"1\" data-x-index=\"4\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-607\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>23.097,48<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"1\" data-x-index=\"5\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-608\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>81.902,52<\/p><\/div><\/div><\/td><\/tr><tr class=\"wptb-row\"><td class=\"wptb-cell\" data-y-index=\"2\" data-x-index=\"0\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-609\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>2<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"2\" data-x-index=\"1\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-610\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>81.902,52<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"2\" data-x-index=\"2\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-611\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>4.095,13<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"2\" data-x-index=\"3\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-612\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>19.002,35<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"2\" data-x-index=\"4\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-613\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>23.097,48<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"2\" data-x-index=\"5\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-614\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\"><p>62.900,17<\/p><\/div><\/div><\/td><\/tr><tr class=\"wptb-row\"><td class=\"wptb-cell\" data-y-index=\"3\" data-x-index=\"0\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-615\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>3<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"3\" data-x-index=\"1\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-616\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>62.900,17<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"3\" data-x-index=\"2\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-617\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>3.145,01<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"3\" data-x-index=\"3\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-618\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>19.952,47<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"3\" data-x-index=\"4\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-619\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>23.097,48<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"3\" data-x-index=\"5\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-620\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>42.947,69<\/p><\/div><\/div><\/td><\/tr><tr class=\"wptb-row\"><td class=\"wptb-cell\" data-y-index=\"4\" data-x-index=\"0\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-621\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>4<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"4\" data-x-index=\"1\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-622\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\"><p>42.947,69<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"4\" data-x-index=\"2\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-623\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>2.147,38<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"4\" data-x-index=\"3\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-624\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>20.950,10<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"4\" data-x-index=\"4\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-625\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>23.097,48<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"4\" data-x-index=\"5\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-626\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>21.997,60<\/p><\/div><\/div><\/td><\/tr><tr class=\"wptb-row\"><td class=\"wptb-cell\" data-y-index=\"5\" data-x-index=\"0\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-627\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>5<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"5\" data-x-index=\"1\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-628\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>21.997,60<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"5\" data-x-index=\"2\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-629\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>1.099,88<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"5\" data-x-index=\"3\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-630\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>21.997,60<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"5\" data-x-index=\"4\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-631\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>23.097,48<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"5\" data-x-index=\"5\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-632\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>0<\/p><\/div><\/div><\/td><\/tr><tr class=\"wptb-row\"><td class=\"wptb-cell\" data-y-index=\"6\" data-x-index=\"0\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-633\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>Summe<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"6\" data-x-index=\"1\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-634\"><div class=\"\" style=\"position: relative;\"><p><\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"6\" data-x-index=\"2\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-635\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>15.487,40<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"6\" data-x-index=\"3\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-636\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>100.000<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"6\" data-x-index=\"4\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-637\" style=\"color: rgb(74, 85, 104); font-size: 15px;\"><div class=\"\" style=\"position: relative;\"><p>115.487,40<\/p><\/div><\/div><\/td><td class=\"wptb-cell\" data-y-index=\"6\" data-x-index=\"5\" style=\"border: 1px none rgb(0, 0, 0); padding: 7px;\" data-wptb-css-td-auto-width=\"true\"><div class=\"wptb-text-container wptb-ph-element wptb-element-text-638\"><div class=\"\" style=\"position: relative;\"><p><\/p><\/div><\/div><\/td><\/tr><\/tbody><\/table>\n<\/div>\n<\/div>\n<div class=\"wptb-listing-shortcode-icon-wrapper\" title=\"copy\" data-wptb-copy-status=\"false\">\n<div class=\"wptb-listing-shortcode-copy-icon\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]Wir berechnen zuerst die Annuit\u00e4t, k\u00f6nnen dann die Zinstilgung und die Darlehenstilgung berechnen und die Restschuld bestimmen. Das f\u00fchren wir f\u00fcr 5 Jahre durch und wir haben unseren fertigen Tilgungsplan.<\/p>\n<p>Wie du also siehst, ist es nicht sonderlich kompliziert.<\/p>\n<p>Im Folgenden kannst du durch Klicken auf die Fragen sehen, wie du auf die Daten in der ersten Zeile kommst.[\/vc_column_text][vc_toggle title=&#8220;Wie kommst du auf den Zins?&#8220; color=&#8220;blue&#8220;]Zins= Restschuld zu Beginn des Jahres * Zinssatz= 100.000*5%= 5.000\u20ac[\/vc_toggle][vc_toggle title=&#8220;Wie kommst du auf die Annuit\u00e4t?&#8220; color=&#8220;blue&#8220;]Annuit\u00e4t= Darlehenssumme * Annuit\u00e4tenfaktor<br \/>\nAnnuit\u00e4tenfaktor=((1+0,05)^5 * 0,05) \/ ((1+0,05)^5 -1) =0,2309748<br \/>\nAnnuit\u00e4t= 100.000\u20ac * 0,2309748 = 23.097,48\u20ac[\/vc_toggle][vc_toggle title=&#8220;Wie kommst du auf die Tilgung?&#8220; color=&#8220;blue&#8220;]Tilgung = Annuit\u00e4t &#8211; Zins = 23.097,48\u20ac &#8211; 5.000\u20ac= 18.097,48\u20ac[\/vc_toggle][vc_toggle title=&#8220;Wie kommst du auf die Restschuld am Ende des Jahres?&#8220; color=&#8220;blue&#8220;]Restschuld am Ende des Jahres = Restschuld zu Beginn des Jahres &#8211; Tilgung<br \/>\n=100.000\u20ac &#8211; 18.097,48\u20ac = 81.902,52\u20ac[\/vc_toggle][\/vc_column][\/vc_row][vc_row][vc_column][vc_text_separator title=&#8220;&#8220; i_icon_fontawesome=&#8220;fas fa-calculator&#8220; color=&#8220;blue&#8220; border_width=&#8220;3&#8243; add_icon=&#8220;true&#8220;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Fazit<\/strong><\/p>\n<p>Du hast jetzt also gelernt, was die <strong>Annuit\u00e4t<\/strong> ist, wie du sie berechnest und wie du einen <strong>Tilgungsplan<\/strong> aufstellen kannst. Das Thema scheint zwar auf den ersten Blick ein wenig kompliziert, ist aber bei genauerem Hinschauen gar nicht so schwer. Mit ein wenig \u00dcbung gelingt dir das auch in k\u00fcrzester Zeit![\/vc_column_text][vc_text_separator title=&#8220;&#8220; i_icon_fontawesome=&#8220;fas fa-calculator&#8220; color=&#8220;blue&#8220; border_width=&#8220;3&#8243; add_icon=&#8220;true&#8220;][vc_column_text]<\/p>\n<h2><span class=\"ez-toc-section\" id=\"FAQ\"><\/span>FAQ<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>[\/vc_column_text][vc_toggle title=&#8220;Wobei ist die Annuit\u00e4t ein wichtiger Begriff?&#8220;]Die Annuit\u00e4t ist ein wichtiger Begriff der Investitionsrechnung.[\/vc_toggle][vc_toggle title=&#8220;Was sind zwei Vorteile der Annuit\u00e4tendarlehen?&#8220;]<\/p>\n<div class=\"vc_row wpb_row vc_row-fluid\">\n<div class=\"wpb_column vc_column_container vc_col-sm-12\">\n<div class=\"vc_column-inner\">\n<div class=\"wpb_wrapper\">\n<div class=\"vc_message_box vc_message_box-standard vc_message_box-rounded vc_color-green\">\n<ul>\n<li>die zu zahlende Rate aus Zins und Tilgung\u00a0<strong>bleibt gleich<\/strong><\/li>\n<li>beim Annuit\u00e4tendarlehen hast du eine\u00a0<strong>lange Zinsbindung<\/strong>. Das sch\u00fctzt dich vor zuk\u00fcnftigen Zinserh\u00f6hungen und bietet wegen der konstanten Raten\u00a0<strong>Planungssicherheit<\/strong><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"vc_row wpb_row vc_row-fluid\">\n<div class=\"wpb_column vc_column_container vc_col-sm-12\">\n<div class=\"vc_column-inner\">\n<div class=\"wpb_wrapper\">\n<div class=\"vc_message_box vc_message_box-standard vc_message_box-rounded vc_color-danger\">\n<div class=\"vc_message_box-icon\"><\/div>\n<p><strong>Nachteile<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/vc_toggle][vc_toggle title=&#8220;Was ist das besondere an der Annuit\u00e4t?&#8220;]Das Besondere an dieser Rentenform ist die\u00a0<strong>Konstanz der Zahlungsh\u00f6he<\/strong>. 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Falls ja, hinterlasse doch gerne eine Sternebewertung und einen Kommentar, da wir uns viel M\u00fche f\u00fcr den Artikel gegeben haben.<br \/>\nVielen Dank!<br \/>\n<span id=\"post-ratings-7225\" class=\"post-ratings\" data-nonce=\"c3452f907a\"><img decoding=\"async\" id=\"rating_7225_1\" src=\"https:\/\/www.nachhilfe-team.net\/studitipps\/wp-content\/plugins\/wp-postratings\/images\/stars\/rating_on.gif\" alt=\"1 Stern\" title=\"1 Stern\" onmouseover=\"current_rating(7225, 1, '1 Stern');\" onmouseout=\"ratings_off(3.8, 4, 0);\" onclick=\"rate_post();\" onkeypress=\"rate_post();\" style=\"cursor: pointer; border: 0px;\" \/><img decoding=\"async\" id=\"rating_7225_2\" src=\"https:\/\/www.nachhilfe-team.net\/studitipps\/wp-content\/plugins\/wp-postratings\/images\/stars\/rating_on.gif\" alt=\"2 Sterne\" title=\"2 Sterne\" onmouseover=\"current_rating(7225, 2, '2 Sterne');\" onmouseout=\"ratings_off(3.8, 4, 0);\" onclick=\"rate_post();\" onkeypress=\"rate_post();\" style=\"cursor: pointer; border: 0px;\" \/><img decoding=\"async\" id=\"rating_7225_3\" src=\"https:\/\/www.nachhilfe-team.net\/studitipps\/wp-content\/plugins\/wp-postratings\/images\/stars\/rating_on.gif\" alt=\"3 Sterne\" title=\"3 Sterne\" onmouseover=\"current_rating(7225, 3, '3 Sterne');\" onmouseout=\"ratings_off(3.8, 4, 0);\" onclick=\"rate_post();\" onkeypress=\"rate_post();\" style=\"cursor: pointer; border: 0px;\" \/><img decoding=\"async\" id=\"rating_7225_4\" src=\"https:\/\/www.nachhilfe-team.net\/studitipps\/wp-content\/plugins\/wp-postratings\/images\/stars\/rating_half.gif\" alt=\"4 Sterne\" title=\"4 Sterne\" onmouseover=\"current_rating(7225, 4, '4 Sterne');\" onmouseout=\"ratings_off(3.8, 4, 0);\" onclick=\"rate_post();\" onkeypress=\"rate_post();\" style=\"cursor: pointer; border: 0px;\" \/><img decoding=\"async\" id=\"rating_7225_5\" src=\"https:\/\/www.nachhilfe-team.net\/studitipps\/wp-content\/plugins\/wp-postratings\/images\/stars\/rating_off.gif\" alt=\"5 Sterne\" title=\"5 Sterne\" onmouseover=\"current_rating(7225, 5, '5 Sterne');\" onmouseout=\"ratings_off(3.8, 4, 0);\" onclick=\"rate_post();\" onkeypress=\"rate_post();\" style=\"cursor: pointer; border: 0px;\" \/> <strong>3,75<\/strong> von 5 Sterne<\/span><span id=\"post-ratings-7225-loading\" class=\"post-ratings-loading\"><img decoding=\"async\" src=\"https:\/\/www.nachhilfe-team.net\/studitipps\/wp-content\/plugins\/wp-postratings\/images\/loading.gif\" width=\"16\" height=\"16\" class=\"post-ratings-image\" \/>Loading...<\/span>[\/vc_cta][vc_column_text]Diese Themen k\u00f6nnten dich auch interessieren:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.nachhilfe-team.net\/studitipps\/studienfinanzierung-tipps\/\" target=\"_blank\" rel=\"noopener\">Studienfinanzierung Tipps<\/a><\/li>\n<li><a href=\"https:\/\/www.nachhilfe-team.net\/studitipps\/studium-finanzieren\/\" target=\"_blank\" rel=\"noopener\">Studium finanzieren<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator color=&#8220;green&#8220; style=&#8220;shadow&#8220;][vc_row_inner][vc_column_inner][vc_single_image image=&#8220;5280&#8243; img_size=&#8220;full&#8220; alignment=&#8220;center&#8220; onclick=&#8220;custom_link&#8220; img_link_target=&#8220;_blank&#8220; link=&#8220;https:\/\/www.nachhilfe-team.net\/nachhilfelehrer-werden\/#onlineform&#8220;][\/vc_column_inner][\/vc_row_inner][vc_separator color=&#8220;green&#8220; style=&#8220;shadow&#8220;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text][\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]Du wei\u00dft, dass man Darlehen inklusive Zinsen tilgen musst. Doch dann f\u00e4llt da auf einmal der Begriff Annuit\u00e4t. Was ist das eigentlich? In diesem Artikel erf\u00e4hrst du\u2026 &#8230;eine kurze Definition &#8230;Vor- und Nachteile des Annuit\u00e4tendarlehens &#8230;wie du die Annuit\u00e4t und den Annuit\u00e4tenfaktor berechnest Legen wir sofort los![\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text] Annuit\u00e4t Definition [\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]Die Annuit\u00e4t ist ein wichtiger Begriff [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7237,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"0","ocean_second_sidebar":"0","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"0","ocean_custom_header_template":"0","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"0","ocean_menu_typo_font_family":"0","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"0","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"off","ocean_gallery_id":[],"footnotes":""},"categories":[1],"tags":[550,548,549,551],"class_list":["post-7225","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-allgemein-studium","tag-annuitaet-berechnen","tag-annuitaetendarlehen","tag-annuitaetendarlehen-berechnen","tag-annuitaetenfaktor","entry","has-media"],"acf":[],"yoast_head":"<!-- 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