[{"data":1,"prerenderedAt":1049},["ShallowReactive",2],{"findBlogArticleBySlug_kredit-umschulden":3,"getDomainUrl":456,"findMenuEntries":460,"getDomainSettings":1015,"svg-019f60a1-6d02-7f97-8ea2-e9719233056d":24,"svg-019f6a20-9e87-7b75-85e7-76c8f173b1ee":24,"findBlogCategory":1041,"_apollo:static":1046,"_apollo:public":1047,"_apollo:form":1048},{"findBlogArticle":4},[5],{"id":6,"slug":7,"title":8,"content":9,"target":419,"metaTags":421,"fallbackSeoTitle":425,"fallbackSeoDescription":426,"fallbackSeoImage":24,"fallbackSeoCanonicalUrl":427,"headerTheme":30,"heroTheme":30,"footerTheme":30,"publishedAt":428,"quickLinksFaq":106,"quickLinksCredit":275,"quickLinksCard":106,"quickLinksOffices":275,"quickLinksContact":275,"quickLinksSavings":106,"blogCategory":429,"quicklinks":433,"teaserImage":434,"teaserText":442,"heroImage":443,"imagePositionVertical":453,"imagePositionHorizontal":454,"__typename":455},"161","kredit-umschulden","Kredit umschulden: Wann es sich lohnt",[10,19,22,32,35,41,44,50,53,99,110,113,160,166,169,195,201,204,248,251,281,287,290,293,297,303,307,310,335,338,341,364,367,407,411,416],{"__typename":11,"text":12,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":18,"anchorTitle":18},"TextBlock","\u003Cp>Sie haben einen laufenden Kredit und fragen sich, ob Sie von besseren Konditionen profitieren oder sogar Finanzierungskosten sparen könnten? Oder Sie zahlen mehrere Kredite gleichzeitig ab und möchten mehr Übersicht über Ihre Finanzen? Dann sollten Sie eine Umschuldung in Betracht ziehen.\u003C/p>\u003Cp>Bei einer Kreditumschuldung werden ein bestehender Kredit oder mehrere laufende Finanzierungen durch einen neuen Kredit abgelöst: um von günstigeren Zinssätzen zu profitieren, mehrere Kredite zusammenzuführen oder die monatliche Belastung an die aktuelle Lebenssituation anzupassen.\u003C/p>\u003Cp>Erfahren Sie alles Wichtige rund um das Thema Kredit umschulden – von den Voraussetzungen über den Ablauf bis hin zu konkreten Beispielen.\u003C/p>","","h-default","w-full","small","none","6a562d9e05941",{"__typename":11,"text":20,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":21,"anchorTitle":21},"\u003Cp>\u003Cstrong>Inhaltsverzeichnis:\u003C/strong>\u003C/p>\u003Cul>\u003Cli>\u003Ca href=\"#ub1\">Das Wichtigste in Kürze\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub2\">Was bedeutet Kredit umschulden?\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub3\">Kann man jeden Kredit umschulden?\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub4\">Kann man einen Kredit bei einer anderen Bank umschulden?\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub5\">Wann ist eine Umschuldung sinnvoll?\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub6\">Welche Vor- und Nachteile hat eine Umschuldung?\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub7\">Wie läuft eine Kreditumschuldung ab?\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub8\">Checkliste: Schritt für Schritt zur Umschuldung\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub9\">Beispiel: Mehrere Kredite zu einer Finanzierung zusammenfassen\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub10\">Voraussetzungen und Chancen bei einer Umschuldung\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub12\">Häufige Fragen zur Kreditumschuldung\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub13\">Fazit\u003C/a>\u003C/li>\u003C/ul>","6a562d9e059a8",{"__typename":23,"backgroundImage":24,"content":25,"theme":29,"imagePositionHorizontal":24,"imagePositionVertical":24,"imageMobilePositionHorizontal":24,"imageMobilePositionVertical":24,"mobileBackgroundDisplay":24,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":31,"anchorTitle":31},"ContainerBlock",null,[26],{"__typename":11,"text":27,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":28,"anchorTitle":28},"\u003Ch2>Das Wichtigste in Kürze\u003C/h2>\u003Cul>\u003Cli>Bei einer Umschuldung wird ein bestehender Kredit durch einen neuen abgelöst.\u003C/li>\u003Cli>Auch mehrere Kredite können meist zu einer Finanzierung zusammengefasst werden.\u003C/li>\u003Cli>Eine Umschuldung ist nicht nur bei derselben Bank möglich, sondern oft auch bei einer anderen.\u003C/li>\u003Cli>Im Vorfeld sollten mögliche Kosten und die Gesamtkosten der Finanzierung geprüft werden.\u003C/li>\u003Cli>Unter bestimmten Voraussetzungen kann eine Umschuldung dazu beitragen, Zinskosten zu reduzieren und die Gesamtkosten der Finanzierung zu senken.\u003C/li>\u003C/ul>","6a3e402f8c2af","light-grey","default","ub1",{"__typename":11,"text":33,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":34,"anchorTitle":34},"\u003Ch2>Was bedeutet Kredit umschulden?\u003C/h2>\u003Cp>Von einer Umschuldung spricht man, wenn ein bestehender Kredit ganz oder teilweise durch einen neuen Kredit ersetzt wird. Die neue Finanzierung wird verwendet, um offene Restschulden abzulösen. Dabei gibt es grundsätzlich zwei Varianten.\u003C/p>\u003Ch3 class=\"h4\">Ablösung eines einzelnen Kredits\u003C/h3>\u003Cp>Ein bestehender Kredit wird durch einen neuen Kredit ersetzt. Das kann vor allem dann sinnvoll sein, wenn sich die persönliche Situation verändert hat und die Finanzierung an die aktuellen Bedürfnisse angepasst werden soll - oder bessere Konditionen möglich sind. \u003C/p>\u003Ch3 class=\"h4\">Zusammenfassung mehrerer Kredite\u003C/h3>\u003Cp>Mehrere bestehende Kredite oder Finanzierungen werden in einem neuen Kredit gebündelt. Dadurch gibt es künftig nur noch eine monatliche Rate und einen Kreditvertrag. Ziel ist es oft, von günstigeren Zinssätzen zu profitieren. Dadurch können sich die gesamten Finanzierungskosten reduzieren. Ob tatsächlich eine Ersparnis entsteht, hängt jedoch von den individuellen Vertragsbedingungen und den Gesamtkosten der neuen Finanzierung ab.\u003C/p>","ub2",{"__typename":23,"backgroundImage":24,"content":36,"theme":29,"imagePositionHorizontal":24,"imagePositionVertical":24,"imageMobilePositionHorizontal":24,"imageMobilePositionVertical":24,"mobileBackgroundDisplay":24,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":40,"anchorTitle":40},[37],{"__typename":11,"text":38,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":39,"anchorTitle":39},"\u003Cp>\u003Cstrong>Tipp: \u003C/strong>Mit dem \u003Ca href=\"/kredit\">Online-Kreditrechner\u003C/a> der Santander Bank können Sie Ihre Wunschrate berechnen.\u003C/p>","6a59d8245313b","6a59d8245312f",{"__typename":11,"text":42,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":43,"anchorTitle":43},"\u003Ch2>Kann man jeden Kredit umschulden?\u003C/h2>\u003Cp>Grundsätzlich lassen sich viele Kreditarten umschulden. Ob eine Umschuldung möglich ist, hängt jedoch vom jeweiligen Vertrag und der individuellen Situation ab.\u003C/p>\u003Ch3 class=\"h4\">Typische Kredite, die häufig umgeschuldet werden:\u003C/h3>\u003Cul>\u003Cli>\u003Ca href=\"/glossar/konsumkredit\">Konsumkredite\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"/glossar/ratenkredit\">Ratenkredite\u003C/a>\u003C/li>\u003Cli>Autokredite\u003C/li>\u003Cli>\u003Ca href=\"/glossar/einrichtungskredit\">Möbel- und Elektronikfinanzierungen\u003C/a>\u003C/li>\u003Cli>bestehende Privatkredite\u003C/li>\u003C/ul>\u003Cp>Auch größere Finanzierungen können unter bestimmten Voraussetzungen umgeschuldet werden. Die konkreten Möglichkeiten hängen jedoch vom jeweiligen Kreditvertrag und den geltenden Bedingungen ab.\u003C/p>","ub3",{"__typename":23,"backgroundImage":24,"content":45,"theme":29,"imagePositionHorizontal":24,"imagePositionVertical":24,"imageMobilePositionHorizontal":24,"imageMobilePositionVertical":24,"mobileBackgroundDisplay":24,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":49,"anchorTitle":49},[46],{"__typename":11,"text":47,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":48,"anchorTitle":48},"\u003Cp>\u003Cstrong>Gut zu wissen: \u003C/strong>Nicht jeder Kredit kann jederzeit ohne zusätzliche Kosten abgelöst werden. Deshalb sollten vor einer Umschuldung die Vertragsbedingungen des bestehenden Kredits genau geprüft werden.\u003C/p>","6a3e402f8c2ce","6a562e41d068a",{"__typename":11,"text":51,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":52,"anchorTitle":52},"\u003Ch2>Kann man einen Kredit bei einer anderen Bank umschulden?\u003C/h2>\u003Cp>Viele Verbraucherinnen und Verbraucher gehen davon aus, dass eine Umschuldung nur bei der bisherigen Bank durchgeführt werden kann. Tatsächlich kann ein neuer Kredit auch bei einem anderen Kreditinstitut aufgenommen werden, um bestehende Verbindlichkeiten abzulösen.\u003C/p>\u003Cp>Dadurch können Kreditnehmerinnen und Kreditnehmer ihre Finanzierung neu strukturieren und von besseren Konditionen profitieren. Prüfen Sie unverbindlich, ob eine Umschuldung für Ihre Situation infrage kommt und welche Finanzierungslösung am besten zu Ihren Bedürfnissen passt.\u003C/p>","ub4",{"__typename":23,"backgroundImage":24,"content":54,"theme":97,"imagePositionHorizontal":24,"imagePositionVertical":24,"imageMobilePositionHorizontal":24,"imageMobilePositionVertical":24,"mobileBackgroundDisplay":24,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":98,"anchorTitle":98},[55,58],{"__typename":11,"text":56,"textOverlay":13,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":57,"anchorTitle":57},"\u003Ch3 class=\"h4\">Der Ablauf ist grundsätzlich einfach\u003C/h3>","6a5894d695430",{"__typename":59,"iconItems":60,"iconAligning":95,"listLayout":15,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":96,"anchorTitle":96},"IconListBlock",[61,75,85],{"icon":62,"text":13,"label":73,"__typename":74},{"label":63,"file":64,"__typename":72},"Circle 1",{"mimeType":65,"directDownloadUrl":66,"downloadUrl":67,"filename":68,"size":69,"content":70,"__typename":71},"image/svg+xml","https://website-content-service.santanderconsumer.at/storage/67e26302c7216/bd001step1.svg","https://website-content-service.santanderconsumer.at/media/download/67e26302c7216/bd001step1.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODk1NDc0NTEsImV4cCI6MTc4OTU1MTA1MSwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY3ZTI2MzAyYzcyMTYvYmQwMDFzdGVwMS5zdmcifQ.cQl9P2tfLNxL3qAFw4YD4HycjmRLuqL0d48sjaITp4HMZatn1bn0HGziitbaHUbuuv9lF_9QSE-J-dmpylPuxT25cvk3W9d9M3gy6uIs3_4oJH9b3iDNsgoBJTZQfawk5TqEeorurncLDJvyvfuUjIxRj2D8bNyqmaXrOj4ZVHy72_lMyWtqw5W1GmoIWxFQIWJ_urjwMinEy9jZSdHHQXL6DVOLttFxP7TyF8yKGarCd8ZpMNw6M8mnBW22FchGZ2uGL0DDT3Hm0ZY8UMnCbNwird_hKhvzhtAXN-Oxx7F9VbfXMx-8RJEiqDN6iaMPAJv1tNls1uNnF1bcBK0ZvHGYmrqmNrwTc5uWHAW3MnvEr2zt9er5HgxwuHIoAJBbZtXep-cVUdZWiRSfphsxDVTfZhKlMhSUNtBzk4NXlG70swSoKxN-MvP2u7o4IaFgBvtUbnIMUf7ZMgdQjmUndeFaCpXooEb5dmsJadqGkmh4Ua5Tzf-sT9ZourX9BLmplwMlLGoI_9OjEzEhEbcCRczbO6rJUorTNrh7k6N-SWy7Cx5Mjh_k3jPpBQiUv0sZ1NIvJhtH3D5klWsNN7ZMMajRnXO8YtVqUjZ2xB0TKMoDAgQKK4207nuQqPC0VNUXUBG3QA5HFt7pNJmsTWwYhNc8UmAJ5VAfdP5eRYRhKbc","67e26302c7216/bd001step1.svg",614,"\u003Csvg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"currentColor\" xmlns=\"http://www.w3.org/2000/svg\">\n\u003Cpath d=\"M12 2C17.514 2 22 6.486 22 12C22 17.514 17.514 22 12 22C6.486 22 2 17.514 2 12C2 6.486 6.486 2 12 2ZM12 3C7.037 3 3 7.037 3 12C3 16.963 7.037 21 12 21C16.963 21 21 16.963 21 12C21 7.037 16.963 3 12 3Z\"/>\n\u003Cpath d=\"M9.21704 7.92968C9.75837 7.69635 10.3884 7.50035 11.107 7.34168C11.8257 7.17368 12.5117 7.08502 13.165 7.07568V17.2677H11.961V8.30768C11.4944 8.38235 11.0044 8.48968 10.491 8.62968C9.98704 8.76035 9.52971 8.90035 9.11904 9.04968C9.11904 8.67635 9.15171 8.30302 9.21704 7.92968Z\"/>\n\u003C/svg>\n","File","Icon","\u003Cp>Die neue Bank prüft die finanzielle Situation.\u003C/p>","IconItem",{"icon":76,"text":24,"label":84,"__typename":74},{"label":77,"file":78,"__typename":72},"Circle 2",{"mimeType":65,"directDownloadUrl":79,"downloadUrl":80,"filename":81,"size":82,"content":83,"__typename":71},"https://website-content-service.santanderconsumer.at/storage/67e2632299459/bd002step2.svg","https://website-content-service.santanderconsumer.at/media/download/67e2632299459/bd002step2.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODk1NDc0NTEsImV4cCI6MTc4OTU1MTA1MSwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY3ZTI2MzIyOTk0NTkvYmQwMDJzdGVwMi5zdmcifQ.ivhV3YSoXQaJh5_tGgmMfbmYYusc3wmqRUr-3NFe37-f_X8BaMo5B7TDUJpZ0uMpF7mQHzqIIG0-wxzgTHFBdutMCPtaYjZ5CUdWJs6HxvThQcI2ggLK_iO7DiGbYj2zFXuzzAi7jra1HUWrD7_gO8NEKAiQxbegAUz1l_MrCF_E0xtr-VqABUkVTKmdD4yG7euMPqYbhsLeBvGxyDQbaq3fpewbaHZtVqdU-X1XK7RcdtJA5PIyW-zUO-aeV_YLfadUZahQh-yXSceXc6jofRI2a7usA2ATjdA3lCmTCvkOljA6u7YY9gJszQtyTIHlKB0kOMEMUHSOa4tjOtdJg2Ln2RIOym5jpTpp3YBD4eNGOZx50VGClqHnlJU2iQtMj1m9owLiZpVHDzKUcxbdEnffXih_PezTzCoNxAHk41sRi8QjudH_wNWPCeYg6AYB_sQGOZxT_XxXlxxDFmC6ZoOKAI8Mc5E9VkmQjUjILah1CsrvgMuYdcwhadoDcX23JyFeXf-R2eVMW8SyFfbfsN_Hh76ASaMSlrkHj6gJ-juwBdx4w-ilEh7zZ-cJiTvaDJHMfHYjqYFPOLEVUka5ZENqV3ZWpCyf56hTs-_Bfm-JUp106tT0dHU11rL8WJDTvesaAV8pkZ4Y_-6jCCL1bQxlBQjeFJcrEck8_vNoi4s","67e2632299459/bd002step2.svg",1213,"\u003Csvg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"currentColor\" xmlns=\"http://www.w3.org/2000/svg\">\n\u003Cpath d=\"M12 2C17.514 2 22 6.486 22 12C22 17.514 17.514 22 12 22C6.486 22 2 17.514 2 12C2 6.486 6.486 2 12 2ZM12 3C7.037 3 3 7.037 3 12C3 16.963 7.037 21 12 21C16.963 21 21 16.963 21 12C21 7.037 16.963 3 12 3Z\"/>\n\u003Cpath d=\"M15.16 15.894C15.1413 16.3327 15.0993 16.7013 15.034 17H9.23801V16.58C9.23801 15.992 9.35934 15.46 9.60201 14.984C9.85401 14.508 10.176 14.0833 10.568 13.71C10.96 13.3367 11.464 12.912 12.08 12.436C12.64 12.0067 13.06 11.582 13.34 11.162C13.62 10.7327 13.76 10.252 13.76 9.72C13.76 9.12267 13.5733 8.67 13.2 8.362C12.8267 8.04467 12.2713 7.886 11.534 7.886C11.17 7.886 10.8013 7.93267 10.428 8.026C10.0547 8.11 9.70468 8.236 9.37801 8.404C9.37801 7.956 9.40601 7.58267 9.46201 7.284C10.1247 6.96667 10.8713 6.808 11.702 6.808C12.4487 6.808 13.0647 6.92933 13.55 7.172C14.0447 7.40533 14.4087 7.73667 14.642 8.166C14.8753 8.586 14.992 9.08067 14.992 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abgelöst.\u003C/p>","left","ablauf","lisbon","6a58949e79b2d",{"__typename":100,"buttonItems":101,"buttonsAligning":108,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":109,"anchorTitle":109},"ButtonsBlock",[102],{"__typename":103,"label":104,"buttonDataAttribute":24,"resolvedUrl":105,"targetBlank":106,"theme":107,"buttonSize":30,"withIcon":106,"iconRef":24,"iconPosition":95,"onlyIcon":106,"outline":106,"buttonTitleAttribute":24},"ButtonBlock","Entdecken Sie die Vorteile unseres JetztSofort Kredits","/kredit",false,"secondary","justify-center","6a58941dc6d74",{"__typename":11,"text":111,"textOverlay":13,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":112,"anchorTitle":112},"\u003Ch2>Wann ist eine Umschuldung sinnvoll?\u003C/h2>","ub5",{"__typename":59,"iconItems":114,"iconAligning":95,"listLayout":15,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":159,"anchorTitle":159},[115,126,137,148],{"icon":116,"text":124,"label":125,"__typename":74},{"label":117,"file":118,"__typename":72},"AB141-payment 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Unterschiedliche Abbuchungstermine und Laufzeiten erschweren die Finanzplanung. Eine Zusammenlegung kann helfen, die monatlichen Verpflichtungen übersichtlicher zu gestalten.\u003C/p>","\u003Ch3 class=\"h5\">Mehrere Kredite zusammenführen\u003C/h3>",{"icon":127,"text":135,"label":136,"__typename":74},{"label":128,"file":129,"__typename":72},"Calendar_12",{"mimeType":65,"directDownloadUrl":130,"downloadUrl":131,"filename":132,"size":133,"content":134,"__typename":71},"https://website-content-service.santanderconsumer.at/storage/69d8943b87c3b/calendar_12.svg","https://website-content-service.santanderconsumer.at/media/download/69d8943b87c3b/calendar_12.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODk1NDc0NTEsImV4cCI6MTc4OTU1MTA1MSwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5ZDg5NDNiODdjM2IvY2FsZW5kYXJfMTIuc3ZnIn0.B214Q4hpUoxAzMcNX-qDCZ3Bf0G9gxZaNSduVA3q35uI0i4WLxMSvfoAxxE7nLJO1YhvAiS1CNa141VuivLhqQHy2h2J8FOuTlM3sV2lQUxcxoh7y2KcgGHgGnqKVtwjxApufkJNcueo0aIp2edlaMvZLtlCiYcBLox1SjUfntEQ2vaO-jQNKMdMKM1xWyVWx0wnOLGHaEWw5xNUxVdto9igBR3Y_OYLGFq3_6MlM3Cmw4K_quWZhg63E1UwRXQ4jMq77FqfMdOcl8I1M11ljJLEx3KJNYKbaUvdOP-vL9FZioOIfP1C36mY6Ax0yUA8NyIzMYhXpD5sQwQiQPuO36JRDZ0DjtJk31qyoggMepfxj7zHJOAiZsfMr33RlDHt5lNA-fMhXqIu8mqB5h09mUg81opRIFiuVBFIqrfc3TDeYNanBW7yvIdVlKW2k4vhj_EG5YNeOCgdErJDJUkvqM7yK7CPf5SZb33Pn5LSbOavWcBHDwdVCeyCa7WeiMEB3gBXPXExLyh3_LV82ZmEQhPw0ooffRElfatjjdgHZlkWdCkHvvDzz6KldyC1EZm28-DsRM7YhXtUFr0oJyvDS3pxBBSBa0KNeF3VhsF6AvBYJmjXspxn6kK6sRmI28txYjS5V3rvLdjIBqr9Rzau6arzNWrqvczitMdSMVkSbDY","69d8943b87c3b/calendar_12.svg",1307,"\u003C?xml version=\"1.0\" encoding=\"UTF-8\"?>\n\u003Csvg id=\"Ebene_1\" xmlns=\"http://www.w3.org/2000/svg\" version=\"1.1\" viewBox=\"0 0 24 24\">\n  \u003C!-- Generator: Adobe Illustrator 30.2.1, SVG Export Plug-In . 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Dadurch entsteht mehr finanzieller Spielraum im Haushaltsbudget. Prüfen Sie, welche monatliche Belastung langfristig zu Ihrem Budget passt, bevor Sie sich für eine Rate entscheiden. \u003C/p>","\u003Ch3 class=\"h5\">Monatliche Belastung reduzieren\u003C/h3>",{"icon":138,"text":146,"label":147,"__typename":74},{"label":139,"file":140,"__typename":72},"Ca190-team-interaction",{"mimeType":65,"directDownloadUrl":141,"downloadUrl":142,"filename":143,"size":144,"content":145,"__typename":71},"https://website-content-service.santanderconsumer.at/storage/64e35dd6b16e9/ca190teaminteraction.svg","https://website-content-service.santanderconsumer.at/media/download/64e35dd6b16e9/ca190teaminteraction.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODk1NDc0NTIsImV4cCI6MTc4OTU1MTA1MiwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY0ZTM1ZGQ2YjE2ZTkvY2ExOTB0ZWFtaW50ZXJhY3Rpb24uc3ZnIn0.q6tG5P66Fj7pEd8s6QdJEaPT4ykHQoAgp878_H9o5u92L2GIoLJ72P7QhwqZnyD409dm7zaE0CQaMd3b7zykclxu1l5BMxbdZxK5zA4_DbV2wYGaNSuBqCPgb0WKLPtpbXFBezrVg0NsZAzc4zth7TucYZOqZi-hnmu6Ux1RKQ_w6vT70fHg-YYTmMpgIVOb76BUlptx82tG4s1SKui2QMAcDr1QR0CjxNK9e72UrCnTmw1g1Aw_7GZKqTqQpu1E374MkFib47pMLMdPOuhh7IkfXNJ9WmwLELn7yJhiQPzOlCCyDHjo6gfWr-Ja-zA0SCxIPgiUApTVx2-u5qxRIgspNcpkYqleqUghu_ONS3lqh8SlNiYQeeHJifDquguvE-Dq96cTWnB9AKdha1aYumnGNCJTprYSsuG3veqikxDFXy3BSKlmqPIn4eHP6H6_PBbELHfr4QKTDjk0R0rwQPp1MIoZe5L71wX8HEc3S77MBDv3sgMZLS-crGJpewvTJiYNcjBgRpvbAhEfjNE_2GNHJrWBMRI3Q7X8PNlKkJ2lzvEUSC6tGqcbk-dg53uhq_XHLAw6Tj1ysqHprJpcd3wS2S9Z7dSs1I9Ja24FXrqLOBS8xivtF9eDp23SHJnOfocxjeRfXIZ8uC7Al6M4D--hD19FHloVFHk6j7iFg70","64e35dd6b16e9/ca190teaminteraction.svg",8124,"\u003Csvg 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Lebenssituation\u003C/h3>",{"icon":149,"text":157,"label":158,"__typename":74},{"label":150,"file":151,"__typename":72},"Ad220-cards",{"mimeType":65,"directDownloadUrl":152,"downloadUrl":153,"filename":154,"size":155,"content":156,"__typename":71},"https://website-content-service.santanderconsumer.at/storage/64e35e0798a8f/ad220cards.svg","https://website-content-service.santanderconsumer.at/media/download/64e35e0798a8f/ad220cards.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODk1NDc0NTIsImV4cCI6MTc4OTU1MTA1MiwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY0ZTM1ZTA3OThhOGYvYWQyMjBjYXJkcy5zdmcifQ.JjYPP6wr6wFjR4rUgybIQEt9vnJL9jJYtx3aet4A_UV4xg6-sg6jtLFn2pWhEt53t4XCROuSA14_tstKKfVM_yFkXwaj1V9oIaf27yrpMO3FZpQ85pU0n76Mno1dQpd2yINZ-uS0uSRFcLAvmeZc7ikHJsFNvPrhu44OsVknojj0TFYfwAiSmFKC_OoEY5caejtKdEgVoCdMJLcZ8758tz1vxMvTr1mhRCCxwnPgczDVTbD-IsxTF041IyAc5Md0zpM1rhjTToJAOg2hdurV2NyYqAf81QtEzUPy0WwaW2quzjssreOggEwmDJrM_tDrMC2hLXzXwRIIBfIGH56KE448a2WHMQrDK-wAT-bu-1X_3AT5sE6B-ugLcTsHyG_GPgBpQa0sRWLOjSahjW1VWN6g7yDPkdlpSGQUzjwBImQ5AROATDASqafqEYfk_WrXXpAa_NuiR2rsgBQ0j-Bd33AZ4CaHYOSvUS29TK3Bkn9EkjqUUgkiT8c-UhMMIJ-OXcjAbBCtgornli6YxFyLfVg2Ul_udwwG6zyjPlIDWstXpC4VNGBCO0cn-kw7o-fQYzzdN96LRsZTbErTm4xFqFIkHcmh5JAEHXYCv7UOXsJU_RIpr9xx1BfvWpC30AoTaT8Htv5N4Ylw37AuLL5ZbhHVwcGqYpPQ7TJPm3qR5b8","64e35e0798a8f/ad220cards.svg",1856,"\u003Csvg 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Die finanzielle Belastung summiert sich und es wird immer schwieriger, das Konto wieder auszugleichen. In manchen Fällen kann die Umschuldung in einen Ratenkredit die bessere Lösung sein.\u003C/p>","\u003Ch3 class=\"h5\">Dispokredit ablösen\u003C/h3>","umschuldung",{"__typename":23,"backgroundImage":24,"content":161,"theme":29,"imagePositionHorizontal":24,"imagePositionVertical":24,"imageMobilePositionHorizontal":24,"imageMobilePositionVertical":24,"mobileBackgroundDisplay":24,"height":14,"width":15,"marginBottom":30,"marginTop":16,"anchorSlug":165,"anchorTitle":165},[162],{"__typename":11,"text":163,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":164,"anchorTitle":164},"\u003Cp>\u003Cstrong>Grundsätzlich gilt: \u003C/strong>Wenn günstigere Finanzierungsmöglichkeiten verfügbar sind als zum Zeitpunkt des ursprünglichen Kreditabschlusses, kann eine Umschuldung die Finanzierungskosten reduzieren. Ob sie sich allerdings tatsächlich lohnt, sollte immer anhand der Gesamtkosten geprüft werden. \u003C/p>","6a5881b9e44f0","6a5881b9e44e6",{"__typename":11,"text":167,"textOverlay":13,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":168,"anchorTitle":168},"\u003Ch2>Welche Vor- und Nachteile hat eine Umschuldung?\u003C/h2>","ub6",{"__typename":59,"iconItems":170,"iconAligning":95,"listLayout":193,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":194,"anchorTitle":194},[171,182],{"icon":172,"text":180,"label":181,"__typename":74},{"label":173,"file":174,"__typename":72},"BD190-checkmark",{"mimeType":65,"directDownloadUrl":175,"downloadUrl":176,"filename":177,"size":178,"content":179,"__typename":71},"https://website-content-service.santanderconsumer.at/storage/69bc1627ed342/bd190checkmarkinacircle2.svg","https://website-content-service.santanderconsumer.at/media/download/69bc1627ed342/bd190checkmarkinacircle2.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODk1NDc0NTIsImV4cCI6MTc4OTU1MTA1MiwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxNjI3ZWQzNDIvYmQxOTBjaGVja21hcmtpbmFjaXJjbGUyLnN2ZyJ9.BpatHWb0072TVRkjEXcdTAcijQo--gNzxpvDknsAKDCHl4f9dek8Y8Je8b194EtlAW6_9yNK2zTLhwzbl1HGEyDxWBPnXvC89i6Pn1wausFYUQ63RmkU6LHgCQ_USZsrH7X4XVp1BBdU1AX1T4Sxo5KveCWvURDxgxNZtEuu4Zn_q8H7NbhrIPHJnsu7-36BiR3wgJ7jGStgwC5P9ar28K_o1Ep03Ft83b5gggsOH7bzHH6qnLV2FG6OI0dBVe3zHBw9GzDG-VCj66js91nlbIQWUIkC9YTI5AQQ1cK2mECH6pAA0HVii7w43x8IyHoxctC-B5cr_oezXGT_A-u9v3KFxsnTsHeigqTOozgL6fg1ZitoBtv8C_oG_fOgrwJTzt24TDYLBxtVdNvDDfWC85zXjKjlNb8zbzPpoUNX80ng599FoGSCvA4ZUjbgnBz8Hwm_GC72_XeDoora32remuUQws1XCr9gboFJ1JqSZQFrkDNnvxr-rGzsYfp4KZkQt32Auvz1Lo8AWTbYX5LVJIPPERHxnsLc5qTvK-WrBCmACPTdnxVl5dB4SP_SLqNqq13iDJdlbch1jLYifYoFE1lTLrlo5r3phcjjfhLq8E_YEnNvfunxj4uJ8bG-j5wgGaz8f3kcTVN2i3RIJlwK4bsVt87m5Deq23NS6K9Wp00","69bc1627ed342/bd190checkmarkinacircle2.svg",432,"\u003Csvg xmlns=\"http://www.w3.org/2000/svg\" viewBox=\"0 0 24 24\">\u003Cpath fill=\"currentColor\" d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10S2 17.514 2 12 6.486 2 12 2m0 1c-4.963 0-9 4.037-9 9s4.037 9 9 9 9-4.037 9-9-4.037-9-9-9m4.001 4.23a.501.501 0 1 1 .885.459l-.042.08-5.153 8.071a.5.5 0 0 1-.372.227l-.05.003a.5.5 0 0 1-.299-.099l-.06-.054-3.77-3.916a.5.5 0 0 1 .652-.753l.068.06 3.33 3.458L16 7.23z\" style=\"fill:currentColor\"/>\u003C/svg>","\u003Cul>\u003Cli>Mehr Übersicht durch nur einen Kredit\u003C/li>\u003Cli>Anpassung der Monatsrate an die aktuelle Situation\u003C/li>\u003Cli>Vereinfachte Finanzplanung\u003C/li>\u003Cli>Zusammenfassung mehrerer Verpflichtungen\u003C/li>\u003Cli>Möglichkeit zur Reduzierung von Finanzierungskosten\u003C/li>\u003C/ul>","\u003Ch3 class=\"h4\">Vorteile\u003C/h3>",{"icon":183,"text":191,"label":192,"__typename":74},{"label":184,"file":185,"__typename":72},"BD540-alert",{"mimeType":65,"directDownloadUrl":186,"downloadUrl":187,"filename":188,"size":189,"content":190,"__typename":71},"https://website-content-service.santanderconsumer.at/storage/69bc13ed3f3c5/bd540alert1.svg","https://website-content-service.santanderconsumer.at/media/download/69bc13ed3f3c5/bd540alert1.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODk1NDc0NTIsImV4cCI6MTc4OTU1MTA1MiwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxM2VkM2YzYzUvYmQ1NDBhbGVydDEuc3ZnIn0.ccWx7XTIAs4FjmHCKaS1t8YF_e_RHG_CQyKFAg-_4vQTVGhpLJ2Qm3ZbeamAog2OehdjLOAlUW4C4Fu0OU_hw9LOp3LXxsUWFGFLuriBiiF0jfE9VapkI07W6DhxvVm2Bd-yIJoj2yZAJjNadUFxvG78RME1ZsVA-W05pDCSY_lcEuBpKjupnr04kUtx0gh0Rxs_JYUnxx1BBp3ol7r4vyIzi2fOCZHjPVzzlZXs6JkihRDpP61RQ9UFPaNygGzmwbXjV9UPVdGQDf5ijdMHh4XpCWqVBtQJ3jhNHlPyTuAEVwPKkNcvE0zmHesggI0AwPiTqhCH4bQTV-SLVdBqWz5uESQR7Z3RpVsVWna_aZDdH9HNChHD_2E1tAGsyXt11ameTMmkDHxY59OPUhkdh_NztF5w-m9xPbXl7HdNs2fJk_KUiwdo8EG3AI8IFi2HQ5VaqN_GAbEFlVl4Ip8pIoOQsi7ZL6G_ldDNdO82nz7mv_YKZg14WDChLFyHDh43Wgr-4Z-2rjhW2CjLeQWBnhw2ogTftlY0jVoCY5svV1Upy5Du2cKT4SEd3QtdKzU8qRMOsOygvMpko0qnvMFPuNmo4HYun5od98ERs9UhokmXUlm9CkON1LyjCoErpSFxjh3p7p-ZqAWZ7Yjlp25e7CcnDs8zmxh52Wfv86VW5X8","69bc13ed3f3c5/bd540alert1.svg",1805,"\u003C?xml 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können höhere Gesamtkosten verursachen\u003C/li>\u003Cli>Erneute Bonitätsprüfung erforderlich\u003C/li>\u003Cli>Nicht jede Umschuldung führt automatisch zu Einsparungen\u003C/li>\u003Cli>Vorzeitige Kreditablösungen können zusätzliche Kosten verursachen\u003C/li>\u003C/ul>","\u003Ch3 class=\"h4\">Nachteile\u003C/h3>","w-full md:grid-cols-2","6a58c4ae31e26",{"__typename":23,"backgroundImage":24,"content":196,"theme":29,"imagePositionHorizontal":24,"imagePositionVertical":24,"imageMobilePositionHorizontal":24,"imageMobilePositionVertical":24,"mobileBackgroundDisplay":24,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":200,"anchorTitle":200},[197],{"__typename":11,"text":198,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":199,"anchorTitle":199},"\u003Cp>\u003Cstrong>Achtung: Vorfälligkeitsentschädigung berücksichtigen!\u003C/strong>\u003C/p>\u003Cp>Manchmal können Kosten entstehen, wenn der Kredit vorzeitig zurückgezahlt wird. Diese werden häufig als Vorfälligkeitsentschädigung bezeichnet. Es sollte immer die gesamte Finanzierung betrachtet werden – nicht nur die monatliche Rate.\u003C/p>\u003Cp>\u003Cstrong>Vor einer Umschuldung sollte daher geprüft werden:\u003C/strong>\u003C/p>\u003Cul>\u003Cli>ob eine vorzeitige Rückzahlung möglich ist,\u003C/li>\u003Cli>welche Kosten dabei entstehen können,\u003C/li>\u003Cli>und ob die möglichen Einsparungen durch die Umschuldung diese Kosten übersteigen.\u003C/li>\u003C/ul>\u003Cp>Erst wenn die Gesamtrechnung positiv ausfällt, lohnt sich eine Umschuldung wirtschaftlich.\u003C/p>","6a42168359a96","6a56377a5d3ff",{"__typename":11,"text":202,"textOverlay":13,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":203,"anchorTitle":203},"\u003Ch2>Wie läuft eine Kreditumschuldung ab?\u003C/h2>","ub7",{"__typename":59,"iconItems":205,"iconAligning":95,"listLayout":15,"height":14,"width":15,"marginBottom":246,"marginTop":17,"anchorSlug":247,"anchorTitle":247},[206,212,218,224,235],{"icon":207,"text":210,"label":211,"__typename":74},{"label":63,"file":208,"__typename":72},{"mimeType":65,"directDownloadUrl":66,"downloadUrl":209,"filename":68,"size":69,"content":70,"__typename":71},"https://website-content-service.santanderconsumer.at/media/download/67e26302c7216/bd001step1.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODk1NDc0NTIsImV4cCI6MTc4OTU1MTA1MiwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY3ZTI2MzAyYzcyMTYvYmQwMDFzdGVwMS5zdmcifQ.OGtTCU5BLSVvr6-oUti3KxIHrXctk6FF_q8mQwU4b3rsKfwd_5rb2VLbrGkHKq95kzLSP7sM5V0RhXYZFU3oEEmNDymoZ3Rn86Ti4GsvxRvAerQGO_0CGQEywlBEphsww58NKSfLcH8R7bkVdOo_57iL8Iw9bbUub6xHm_d8arVs3A2mEt15ApJ8ID8PYzJQsfWOsfEyLvlnXC-x8vvUa2Up39WmzxpMyJSx2h6pWcQfLbHPWDCeIhLiJUAoNatmx2DKL1Sr-otceKecasrAvQfrRywtXmhmHICAK_P3O9WyC1NVA3NY8w9NPRqklBvONr2w3ds09IbmYwFCV-pVq60GEY4cUTOpvaJZTKb8tPCxWQ17fpvstfASEOPQH08GkhVVmabxQAcNSaZ9S7dIMDmN-TIZKFclHjJps1BmM_1IgNHvoE2ZnO_dzDyfLjoF5TLTgQUAP4_g_Bic9D9nYAdUPuWGLOMhMx6CrdDwj03RoO5TpQqlmEIAbLCdQvnmQ03YJs3fXMyM-6WXZx6RTNeOBNQbG-KkOJ7dqwChyt8OtENeyP6LGIkwrryDAw3MbGeu_y-QBaP44JgaXCviyUTJLW3KByseHgN8ZjvhSUvyT7fnL6DoSxEUITERei2xFjoq6iRudTlMPELSNpVNOCJsTsWon3ZbQqHgyx5IEwg","\u003Cp>Verschaffen Sie sich zunächst einen Überblick über:\u003C/p>\u003Cul>\u003Cli>offene Restschulden\u003C/li>\u003Cli>monatliche Kreditraten\u003C/li>\u003Cli>Laufzeiten\u003C/li>\u003Cli>bestehende Vertragsbedingungen\u003C/li>\u003C/ul>","\u003Ch3 class=\"h4\">Bestehende Kredite analysieren\u003C/h3>",{"icon":213,"text":216,"label":217,"__typename":74},{"label":77,"file":214,"__typename":72},{"mimeType":65,"directDownloadUrl":79,"downloadUrl":215,"filename":81,"size":82,"content":83,"__typename":71},"https://website-content-service.santanderconsumer.at/media/download/67e2632299459/bd002step2.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODk1NDc0NTIsImV4cCI6MTc4OTU1MTA1MiwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY3ZTI2MzIyOTk0NTkvYmQwMDJzdGVwMi5zdmcifQ.m4Ccq42XB86DH6cGyAhwsInY8XL9G7Qb0nLcgMfuRqXhp5D6kE1EvdJbsVP9GVrUlJu9JDZTZa_ArqocIUoN8IEFOh2NhB4NM9pveY5QKLyg_eWRSYbAIgm1iODzo-7vBPSCf-qOAV_yYAkKEAr5MkYRDXY4IsXnOngxXCWPk76KA4lSuAnmkCKSqv3icOKYUtW0q4YfLE7lXATpxiiwgeQjopqIZj3OWpn4OJFfER2m-VyaDuF_vKQznhE-2A_VsSlPS8-BUdCWF36xCGCObpAAfyc_nG_NkAcGPcszKQHUWbUu3Hz8UKpoX1yX4tPPQpcda9Ad2jxglIHx8Dw77FWBq07q7KX0tB2jLE4ZJQVo0i6OpPUtEUmch0YeqYUonSAJx4ZXWImMdYwaciTSgVE1Xn4d07evqQEYNn8TRMZliLyVHq4fwJEeKnh3ftD6CAn3lwG5OVVuXWJaEzg07lI-3k8L8H8vyFLAQGkiiDhgXVo4CA4hGdzShswmkMpLfzoNiHWcHa5OdkxAGeel9l0mLS7FWxNlFFisiFFNfieXdaMoiGZRv2xHyBAi3ThE0YJxzOgM9z01o_2f2A8J_bkfJlYT63w-7BQw8144zA1AHI1SDQs--4fI1M19YkW40krCQ-XEgO5i1m8yVxqoGf5Cw-bE0vY73WVu3nIU0Ys","\u003Cp>Berechnen Sie, welche Summe benötigt wird, um alle bestehenden Kredite vollständig abzulösen.\u003C/p>","\u003Ch3 class=\"h4\">Finanzierungsbedarf ermitteln\u003C/h3>",{"icon":219,"text":222,"label":223,"__typename":74},{"label":87,"file":220,"__typename":72},{"mimeType":65,"directDownloadUrl":89,"downloadUrl":221,"filename":91,"size":92,"content":93,"__typename":71},"https://website-content-service.santanderconsumer.at/media/download/67e2632e1f3f6/bd003step3.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODk1NDc0NTIsImV4cCI6MTc4OTU1MTA1MiwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY3ZTI2MzJlMWYzZjYvYmQwMDNzdGVwMy5zdmcifQ.jSmkj-NTClXoJdb3y4ZelgT0xm2n1AIOG0eMh9DcmLY0Y3tZVQb_idlkXaB3O258-u0Dt4n-XFwhQWRPHTtZ878-yhB44jyQS4TArkg3KPDPwsAtLQwHjywpb4adqotr3NgYKCfbcv5oZLgGozt1jRt-ma6MWySMLbSYEs-MpNpwPyLtiMfqRnYJJ-CNN4zhpfr38COyns4EK3sPXRyUJYjCbOIJ3Mr6-lc00N1kqPmmQn6qB-vvAjAwJDOm3wgvUQM-FC4Gn3xV_VRNOgyT8njyk3U-2UJYA-ziKgXyPqdgGngwg_hSf9cpVsyxUHjak2hKiyCbkrgAO9I7u6holL13PswvCQptfslj8vk4P1qlb1Q2akdcJSSUcaytgStLzDyBaRkalq-3k0YGA0HrOshyBznwWsgHD7Vj22SezdjpT4xlD0YAlK6Pa7mzrtVnnL0DCRcNpNGBAhWeCcwiic5kLYTB4KUGXN5WQacsYepW_0poDPZQQ64CAQnLC1YnUoYj6sX9FVp-pVnc54sNzs113wJ38SJ_xSDh6vTE75Ufyc-syT3c26vvqFnMOBKBsAky_kHb-_ysBlqeCkl8N7c2VLjD0Dq3Cj7fdUZsQo_rsFHSZlZbqWkdsKWNGkQxZDg9bRkOPjKKOBWndNyzASP8blUgrymYJbmq0ry1Q9A","\u003Cp>Die jeweilige Bank prüft Einkommen, Bonität und finanzielle Situation und erstellt ein individuelles Angebot.\u003C/p>","\u003Ch3 class=\"h4\">Neues Kreditangebot einholen\u003C/h3>",{"icon":225,"text":233,"label":234,"__typename":74},{"label":226,"file":227,"__typename":72},"Circle 4",{"mimeType":65,"directDownloadUrl":228,"downloadUrl":229,"filename":230,"size":231,"content":232,"__typename":71},"https://website-content-service.santanderconsumer.at/storage/67e2633f17dc2/bd004step4.svg","https://website-content-service.santanderconsumer.at/media/download/67e2633f17dc2/bd004step4.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODk1NDc0NTIsImV4cCI6MTc4OTU1MTA1MiwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY3ZTI2MzNmMTdkYzIvYmQwMDRzdGVwNC5zdmcifQ.FRDSEe8Ae3WDiFbFd5vaNX1YlZZmlezdTDPlLkEq8a8AJvPnIsl58u7SiGSxcOecjPI8tBXZ5PWQHe0pvKYlrGHsvukpI8rpt6Bma4n6yMi7ymZXU5AdGBPEd5RrMNr8Yp-jr26IgS_iQowPMnCU3BloP-qq4AnsqqNcnOdVfwHecWznoRIZb8c3oEaLofb7xR4x3US_TVOZGNu84-bQEcU2-a7bkRONJdJVbnHA7dq4czb3Ten9VwBsdX-SuE0tYxK3fWjghrfvKCgjO9KE81tPc3Bvw7CSP9bXjfzhlm2yYviW-ynuHaTbdrCI4DY2TH5ZNoKld32ZndZdbR1iurgSYat0rxcV4D_SkTYvHonLcoh-JhJV7kjUbEUDkwh8PdVuA349Nv6UmBBeNkzc7FRou8bxRxAncK-ePszDtZ0-KwjsP4wfUGEhqj0v4AxcLrtfFaWFKeJiaPPnlm6uj6zBWFlmWgKW3C_ibmpA4RKmraWC9h55mDxsJYq9r4XJAhKZdWWAG5pX6D3LXT_NeRzGT5rFnF2HeC5MLZTPJht5HLNs-7a7MA5tWceYcn9T2da_jfa4iikD6rXWfkidLcxBWGkBjn_04BDwf8buthqS0VCYZPtCMvYIXHwHeqEDwSDGURuAscCE5vCNp9DuiRTj3sXPTduZRHNoFPcIkIQ","67e2633f17dc2/bd004step4.svg",753,"\u003Csvg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"currentColor\" xmlns=\"http://www.w3.org/2000/svg\">\n\u003Cpath d=\"M12 2C17.514 2 22 6.486 22 12C22 17.514 17.514 22 12 22C6.486 22 2 17.514 2 12C2 6.486 6.486 2 12 2ZM12 3C7.037 3 3 7.037 3 12C3 16.963 7.037 21 12 21C16.963 21 21 16.963 21 12C21 7.037 16.963 3 12 3Z\"/>\n\u003Cpath d=\"M15.046 13.3828C15.0367 13.5415 15.018 13.7235 14.99 13.9288C14.9713 14.1341 14.9433 14.3068 14.906 14.4468H13.688V17.0088H12.526V14.4468H8.004C8.004 14.0641 8.018 13.7188 8.046 13.4108C8.53133 12.3561 9.17067 11.2595 9.964 10.1208C10.7667 8.98212 11.6113 7.95079 12.498 7.02679C12.918 6.96146 13.3147 6.92879 13.688 6.92879V13.3828H15.046ZM12.526 13.3828V8.49679C11.1633 10.1021 10.062 11.7308 9.222 13.3828H12.526Z\"/>\n\u003C/svg>\n","\u003Cp>Nach Abschluss des neuen Kreditvertrags werden die bestehenden Verbindlichkeiten zurückgezahlt.\u003C/p>","\u003Ch3 class=\"h4\">Kredite ablösen\u003C/h3>",{"icon":236,"text":244,"label":245,"__typename":74},{"label":237,"file":238,"__typename":72},"Circle 5",{"mimeType":65,"directDownloadUrl":239,"downloadUrl":240,"filename":241,"size":242,"content":243,"__typename":71},"https://website-content-service.santanderconsumer.at/storage/67ee6299a5225/bd005step5.svg","https://website-content-service.santanderconsumer.at/media/download/67ee6299a5225/bd005step5.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODk1NDc0NTIsImV4cCI6MTc4OTU1MTA1MiwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY3ZWU2Mjk5YTUyMjUvYmQwMDVzdGVwNS5zdmcifQ.srFxAtvtfVJklV-8Kdwvu2-dTi_ybYPf3t_wBuY2bXIrHPhOK6tHjZA9ewwzOu71HMOabfcOE5j_9-NeGgXR9gKrmNl1cuQhYbeqr6ym8ZCS_vuWkvgAlgB2FHuukKkGBpCS7NUHaeSWad9sPKM4Fds1gzuYg-8_EMS1A93jL0Vmp7UZTxeeB8fyY_93iDvPHKhdab07VmoeNfNiMXlpUTW1PY0uzvnj7eiVGjux-ZUMooGJFJsPwp7x7JBnKlCBl-3YY82WZmzuI2DaQq0Ie5QBsgU8g2JcUEBKv-CqS8QdplXSAxSSr_MRU8HIfz8LaC8aFOarX2MUr50Xo5uvmUIEpT2EbxL0czH5OfNOm35vkNwnye8HUchXND_XMEE9PtfJDcRJTHHwTmTYvq0z8fMG5h3BOGZUqFVHo0tqj0z_osloCePkJigXktp36m5FqOWpxYwuR8aH4z7zx7nADGqZcWsJZFmktHcILEYOmEGPLfyFz2C-_Zz9bwWZEYhk6-jalgGFgKRvIcxFZbIlRV8izs9CXUyQIh8xJNjcia3qsS698gVMxHvq5Sf1YflVzJuCc-iACXCMs1aVdKlZ9D0czplUZEY6m0GHnm2NR80p4mgAFZLlUITtIPVZeYItpjauB5CwEqmIE87CNQ-0FXP7nAcsykqrgf8Brny4wFs","67ee6299a5225/bd005step5.svg",1165,"\u003Csvg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"currentColor\" xmlns=\"http://www.w3.org/2000/svg\">\n\u003Cpath d=\"M12 2C17.514 2 22 6.486 22 12C22 17.514 17.514 22 12 22C6.486 22 2 17.514 2 12C2 6.486 6.486 2 12 2ZM12 3C7.037 3 3 7.037 3 12C3 16.963 7.037 21 12 21C16.963 21 21 16.963 21 12C21 7.037 16.963 3 12 3Z\" fill=\"currentColor\"/>\n\u003Cpath d=\"M11.6629 10.714C12.6989 10.714 13.5109 10.98 14.0989 11.512C14.6869 12.044 14.9809 12.828 14.9809 13.864C14.9809 14.9467 14.6449 15.7773 13.9729 16.356C13.3103 16.9253 12.3583 17.21 11.1169 17.21C10.4169 17.21 9.74959 17.1307 9.11493 16.972C9.11493 16.6173 9.17093 16.258 9.28293 15.894C9.48826 15.9687 9.74959 16.0293 10.0669 16.076C10.3936 16.1133 10.7203 16.132 11.0469 16.132C11.9243 16.132 12.5963 15.95 13.0629 15.586C13.5296 15.222 13.7629 14.662 13.7629 13.906C13.7629 12.478 12.9183 11.764 11.2289 11.764C10.9676 11.764 10.6783 11.7873 10.3609 11.834C10.0436 11.8713 9.74026 11.9273 9.45093 12.002L9.85693 7.018H14.7009C14.7009 7.186 14.6916 7.37267 14.6729 7.578C14.6543 7.78333 14.6263 7.96533 14.5889 8.124H10.9489L10.7109 10.812C11.0376 10.7467 11.3549 10.714 11.6629 10.714Z\" fill=\"currentColor\"/>\n\u003C/svg>\n","\u003Cp>Anschließend erfolgt die Rückzahlung des neuen Kredits.\u003C/p>","\u003Ch3 class=\"h4\">Neue Finanzierung nutzen\u003C/h3>","large","umschuldung2",{"__typename":11,"text":249,"textOverlay":13,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":250,"anchorTitle":250},"\u003Ch2>Checkliste: Schritt für Schritt zur erfolgreichen Umschuldung\u003C/h2>","ub8",{"__typename":252,"layout":253,"horizontalAlignment":278,"verticalAlignment":279,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":280,"anchorTitle":280},"LayoutBlock",{"type":254,"left":255,"center":24,"right":259,"centerLeft":24,"centerRight":24,"__typename":277},"union_columns_16_8",[256],{"__typename":11,"text":257,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":258,"anchorTitle":258},"\u003Ch3 class=\"h4\">Nutzen Sie diese Checkliste zur Vorbereitung:\u003C/h3>\u003Cul class=\"checkmark-list\">\u003Cli>Überblick über bestehende Kredite verschaffen\u003C/li>\u003Cli>Restschulden und aktuelle Monatsraten ermitteln\u003C/li>\u003Cli>Haushaltsrechnung erstellen\u003C/li>\u003Cli>Einkommen und Ausgaben prüfen\u003C/li>\u003Cli>Benötigte Unterlagen vorbereiten\u003C/li>\u003Cli>Kreditangebote vergleichen\u003C/li>\u003Cli>Gesamtkosten der Finanzierung berücksichtigen\u003C/li>\u003Cli>Kreditantrag stellen\u003C/li>\u003C/ul>","6a589bd2a0bda",[260],{"__typename":261,"image":262,"layout":274,"imageCustomCaptionText":13,"hideOnMobile":275,"hideCaption":106,"lazyload":275,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":276,"anchorTitle":276,"imagePositionHorizontal":24,"imagePositionVertical":24,"calculatedImageCustomAltText":24},"ImageBlock",{"id":263,"file":264,"hasMediaSchedules":106,"uuid":271,"alt":24,"title":272,"caption":24,"__typename":273},"3924",{"mimeType":265,"directDownloadUrl":266,"downloadUrl":267,"imageHeight":268,"imageWidth":269,"filename":270,"__typename":71},"image/png","https://website-content-service.santanderconsumer.at/storage/6a589cd26d1a3/checkliste.png","https://website-content-service.santanderconsumer.at/media/download/6a589cd26d1a3/checkliste.png?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODk1NDc0NTIsImV4cCI6MTc4OTU1MTA1MiwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjZhNTg5Y2QyNmQxYTMvY2hlY2tsaXN0ZS5wbmcifQ.O9UpqDOWfY6MdJtWPsDRZ_OOxPf_7bbNwvoE14NJhEQ7fXbtZvlKdQpkbY596sWvXtOfE-BhriXkCcdoWRMu3ejxWXRk54lM9kFSL8HTiI7gYDsDOF--crf2HVx-Ury6HQaeCxVWvzM1wohQ_yc8qZa1he46Wjirc4yrXYxQYOoZ3hjPNZ1YMcUhd3cP_4iZuxUN869LBVn9cheVPH5Bsb7oYj3owgCXYAzyoC01HiMfNkjF29QQl4SuZWEv0gKNJiY7enRANU75YqA8BEIALnfymkNlFuUrW2iB8lyKOvVc0oLn0Sm9rIpnnGW9yqSBVxqkgOs6Ot_3BzF6T_f6BG_Kn4LVDIvjtf9DmotAOWGCpRERNfJV_iBwCFTakokrQko95N0SEwwzRqjxl-PSw7P0irO1GY3M79p1MdmV-pxSkRDmtKwEGwVK9td9ihvGd9oGoh52f309QgTAuU8pHAPMm5TJdWre9seWMzQ4pajeex78-2Pv7X-AwNkL9O63DcYtWLMYF6TWd0vEnDqpoCLX3SNuPsSDLwg98aONlWXsvn8W2Opy7VI6yoNU3G_UvA48z22zQh9X5Tdsf6Bed9UfG9x2u1VhE97EKYaVRkrTcSae3b-iWqYWQDYstHHR6qgk33ntqDvMqqof7YiRYQZoHTUjMrEreZ8Jo-XI8Mg",1252,1291,"6a589cd26d1a3/checkliste.png","019f6a20-9e87-7b75-85e7-76c8f173b1ee","Checkliste","Media","original",true,"checkliste","Layout","justify-between","items-stretch","6a589bd2a0bd4",{"__typename":23,"backgroundImage":24,"content":282,"theme":29,"imagePositionHorizontal":24,"imagePositionVertical":24,"imageMobilePositionHorizontal":24,"imageMobilePositionVertical":24,"mobileBackgroundDisplay":24,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":286,"anchorTitle":286},[283],{"__typename":11,"text":284,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":285,"anchorTitle":285},"\u003Cp>\u003Cstrong>Tipp: \u003C/strong>Mit dem \u003Ca href=\"/kredit\">Kreditrechner der Santander Bank\u003C/a> können Sie verschiedene Laufzeiten und Monatsraten vergleichen und eine erste Einschätzung erhalten.\u003C/p>","6a3e49d176f70","6a56398be7938",{"__typename":11,"text":288,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":289,"anchorTitle":289},"\u003Ch2>Beispiel: Mehrere Kredite zu einer Finanzierung zusammenfassen\u003C/h2>\u003Cp>Viele Menschen finanzieren mehrere Kredite zu verschiedenen Zeitpunkten. So können im Laufe des Jahres beispielsweise  ein Autokredit, ein Konsumkredit sowie auch ein Möbelkredit zusammenkommen. Dadurch entstehen mehrere Finanzierungen mit unterschiedlichen Laufzeiten, Zinssätzen sowie monatlichen Abbuchungen. \u003C/p>\u003Cp>Eine Umschuldung bietet die Möglichkeit, mehrere bestehende Kredite zu einer einzigen Finanzierung zusammenzufassen. Statt mehrere Monatsraten im Blick behalten zu müssen, wird nur noch eine einzige monatliche Rate bezahlt. Mit unserem \u003Ca href=\"/kredit\">Kreditrechner \u003C/a>können Sie unverbindlich berechnen, wie sich die Zusammenfassung Ihrer bestehenden Kredite in einer neuen Finanzierung auswirken könnte.\u003C/p>","ub9",{"__typename":11,"text":291,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":292,"anchorTitle":292},"\u003Ch3 class=\"h4\">Vergleich auf einen Blick\u003C/h3>","6a563b8431ad8",{"__typename":294,"text":295,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":296,"anchorTitle":296},"HtmlBlock","\u003Cfigure class=\"table ins striped fix\">\n    \u003Ctable class=\"blue w700\">\n        \u003Cthead>\n            \u003Ctr class=\"lvl2\">\n                \u003Cth scope=\"col\">Kennzahl\u003C/th>\n                \u003Cth scope=\"col\">Vor der Umschuldung\u003C/th>\n                \u003Cth scope=\"col\">Nach der Umschuldung\u003C/th>\n            \u003C/tr>\n        \u003C/thead>\n\n        \u003Ctbody>\n            \u003Ctr>\n                \u003Cth scope=\"row\">Anzahl der Kredite\u003C/th>\n                \u003Ctd>Mehrere laufende Kredite\u003C/td>\n                \u003Ctd>Eine Finanzierung statt mehrerer Kredite\u003C/td>\n            \u003C/tr>\n\n            \u003Ctr>\n                \u003Cth scope=\"row\">Monatliche Abbuchungen\u003C/th>\n                \u003Ctd>Mehrere monatliche Abbuchungen\u003C/td>\n                \u003Ctd>Eine monatliche Abbuchung\u003C/td>\n            \u003C/tr>\n\n            \u003Ctr>\n                \u003Cth scope=\"row\">Laufzeiten\u003C/th>\n                \u003Ctd>Unterschiedliche Laufzeiten\u003C/td>\n                \u003Ctd>Einheitliche Laufzeit\u003C/td>\n            \u003C/tr>\n\n            \u003Ctr>\n                \u003Cth scope=\"row\">Verwaltung\u003C/th>\n                \u003Ctd>Mehrere Verträge und Ansprech­partner\u003C/td>\n                \u003Ctd>Ein Vertrag und ein Ansprech­partner\u003C/td>\n            \u003C/tr>\n        \u003C/tbody>\n    \u003C/table>\n\u003C/figure>","table5",{"__typename":23,"backgroundImage":24,"content":298,"theme":29,"imagePositionHorizontal":24,"imagePositionVertical":24,"imageMobilePositionHorizontal":24,"imageMobilePositionVertical":24,"mobileBackgroundDisplay":24,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":302,"anchorTitle":302},[299],{"__typename":11,"text":300,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":301,"anchorTitle":301},"\u003Cp>\u003Cstrong>Wichtig: \u003C/strong>Durch längere Laufzeiten können sich jedoch die Gesamtkosten der Finanzierung erhöhen.\u003Cstrong> \u003C/strong>Ob eine Umschuldung also tatsächlich günstiger ist, hängt nicht nur von der monatlichen Rate ab, sondern von den Gesamtkosten der Finanzierung, der Laufzeit sowie den individuellen Vertragsbedingungen.\u003C/p>","6a588444b51b5","6a588444b51ab",{"__typename":100,"buttonItems":304,"buttonsAligning":108,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":306,"anchorTitle":306},[305],{"__typename":103,"label":104,"buttonDataAttribute":24,"resolvedUrl":105,"targetBlank":106,"theme":107,"buttonSize":30,"withIcon":106,"iconRef":24,"iconPosition":95,"onlyIcon":106,"outline":106,"buttonTitleAttribute":24},"6a58c10185893",{"__typename":11,"text":308,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":309,"anchorTitle":309},"\u003Ch2>Voraussetzungen und Chancen bei einer Umschuldung\u003C/h2>\u003Ch3>Kreditvoraussetzungen \u003C/h3>\u003Cp>Für eine Umschuldung gelten grundsätzlich ähnliche Voraussetzungen wie für einen neuen Kredit. Banken prüfen dabei Einkommen, \u003Ca href=\"/glossar/bonitaet\">Bonität\u003C/a>, Haushaltsrechnung und bestehende Verpflichtungen. \u003C/p>","ub10",{"__typename":23,"backgroundImage":24,"content":311,"theme":97,"imagePositionHorizontal":24,"imagePositionVertical":24,"imageMobilePositionHorizontal":24,"imageMobilePositionVertical":24,"mobileBackgroundDisplay":24,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":334,"anchorTitle":334},[312,315],{"__typename":11,"text":313,"textOverlay":13,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":314,"anchorTitle":314},"\u003Ch3>Wichtige Unterlagen für die Umschuldung\u003C/h3>","6a58a871060f6",{"__typename":59,"iconItems":316,"iconAligning":95,"listLayout":193,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":333,"anchorTitle":333},[317,321,325,329],{"icon":318,"text":13,"label":320,"__typename":74},{"label":173,"file":319,"__typename":72},{"mimeType":65,"directDownloadUrl":175,"downloadUrl":176,"filename":177,"size":178,"content":179,"__typename":71},"\u003Cp>amtlicher Lichtbildausweis\u003C/p>",{"icon":322,"text":13,"label":324,"__typename":74},{"label":173,"file":323,"__typename":72},{"mimeType":65,"directDownloadUrl":175,"downloadUrl":176,"filename":177,"size":178,"content":179,"__typename":71},"\u003Cp>aktuelle Einkommensnachweise\u003C/p>",{"icon":326,"text":13,"label":328,"__typename":74},{"label":173,"file":327,"__typename":72},{"mimeType":65,"directDownloadUrl":175,"downloadUrl":176,"filename":177,"size":178,"content":179,"__typename":71},"\u003Cp>Informationen zu bestehenden Krediten\u003C/p>",{"icon":330,"text":13,"label":332,"__typename":74},{"label":173,"file":331,"__typename":72},{"mimeType":65,"directDownloadUrl":175,"downloadUrl":176,"filename":177,"size":178,"content":179,"__typename":71},"\u003Cp>gegebenenfalls Kontoauszüge\u003C/p>","unterlagen","6a58a871060ed",{"__typename":11,"text":336,"textOverlay":13,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":337,"anchorTitle":337},"\u003Ch3>Chancen auf eine Zusage\u003C/h3>\u003Cp>Auch bei einer Umschuldung prüfen Banken die wirtschaftliche Situation sorgfältig. Hilfreiche Tipps sind Haushaltsbudget realistisch planen, Unterlagen vollständig vorbereiten, Kreditsumme realistisch wählen sowie finanzielle Reserven einplanen.\u003C/p>\u003Cp>Erfahren Sie mehr über die \u003Ca href=\"/blog/kredit/kreditvoraussetzungen-oesterreich\">Kreditvoraussetzungen in Österreich\u003C/a> und wie Sie Ihre Chancen auf eine Kreditzusage verbessern können. \u003C/p>","6a58cc2c8ab4f",{"__typename":11,"text":339,"textOverlay":13,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":340,"anchorTitle":340},"\u003Ch2>Häufige Fragen zur Kreditumschuldung\u003C/h2>","ub12",{"__typename":342,"accordionEntries":343,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":363,"anchorTitle":363},"AccordionBlock",[344,348,351,354,357,360],{"label":345,"text":346,"__typename":347},"Was versteht man unter einer Kreditumschuldung?","\u003Cp>Bei einer Kreditumschuldung wird ein bestehender Kredit durch einen neuen Kredit ersetzt oder mehrere Kredite werden zu einer Finanzierung zusammengeführt.\u003C/p>","AccordionItem",{"label":349,"text":350,"__typename":347},"Wann lohnt es sich, einen Kredit umzuschulden?","\u003Cp>Eine Umschuldung kann sinnvoll sein, wenn mehrere Kredite bestehen, die monatliche Belastung reduziert wird oder die Finanzierung besser zur aktuellen Lebenssituation passen soll.\u003C/p>",{"label":352,"text":353,"__typename":347},"Kann ich mit einer Umschuldung Geld sparen?","\u003Cp>Ja, unter bestimmten Voraussetzungen kann eine Umschuldung die Finanzierungskosten reduzieren. Entscheidend ist jedoch nicht nur die monatliche Rate, sondern die Betrachtung aller Kosten, einschließlich möglicher Gebühren oder Entschädigungen für die vorzeitige Kreditablösung.\u003C/p>",{"label":355,"text":356,"__typename":347},"Was ist eine Vorfälligkeitsentschädigung?","\u003Cp>Dabei handelt es sich um Kosten, die bei einer vorzeitigen Rückzahlung eines Kredits entstehen können. Ob solche Kosten anfallen, hängt vom jeweiligen Kreditvertrag ab. Unbedingt vorher abklären!\u003C/p>",{"label":358,"text":359,"__typename":347},"Welche Unterlagen brauche ich für eine Umschuldung?","\u003Cp>In der Regel werden ein Ausweis, Einkommensnachweise sowie Informationen zu bestehenden Krediten benötigt.\u003C/p>",{"label":361,"text":362,"__typename":347},"Kann ich auch einen Autokredit umschulden?","\u003Cp>Ja. Viele Autokredite können grundsätzlich umgeschuldet werden. Die konkreten Möglichkeiten hängen von den jeweiligen Vertragsbedingungen ab.\u003C/p>","6a563c605972e",{"__typename":11,"text":365,"textOverlay":13,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":366,"anchorTitle":366},"\u003Ch2>Fazit: Die Umschuldung von Krediten kann Vorteile bringen\u003C/h2>\u003Cp>Eine Kreditumschuldung kann dabei helfen, mehrere Finanzierungen zusammenzuführen, die monatliche Belastung besser an die aktuelle Situation anzupassen und unter Umständen Finanzierungskosten zu reduzieren. Besonders bei mehreren laufenden Krediten kann eine Zusammenführung für mehr Übersicht sorgen und Ihre Finanzplanung erleichtern.\u003C/p>\u003Cp>Ob eine Umschuldung sinnvoll ist, hängt von den individuellen Voraussetzungen, den Vertragsbedingungen und den Gesamtkosten der Finanzierung ab. Neben der Monatsrate sollten auch Laufzeit, Zinssatz und mögliche Kosten für die vorzeitige Ablösung bestehender Kredite berücksichtigt werden.\u003C/p>","ub13",{"__typename":23,"backgroundImage":24,"content":368,"theme":29,"imagePositionHorizontal":24,"imagePositionVertical":24,"imageMobilePositionHorizontal":24,"imageMobilePositionVertical":24,"mobileBackgroundDisplay":24,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":406,"anchorTitle":406},[369],{"__typename":252,"layout":370,"horizontalAlignment":278,"verticalAlignment":279,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":405,"anchorTitle":405},{"type":371,"left":372,"center":376,"right":391,"centerLeft":24,"centerRight":24,"__typename":277},"union_columns_8_8_8",[373],{"__typename":11,"text":374,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":375,"anchorTitle":375},"\u003Ch2>Noch Fragen?\u003C/h2>\u003Cp>Gerne beantworten wir\u003Cwbr> Ihre individuellen Fragen.\u003C/p>","69329024e3023",[377],{"__typename":378,"buttonItems":379,"buttonsAligning":108,"icon":380,"image":24,"calculatedImageCustomAltText":24,"imageCustomCaptionText":13,"hideOnMobile":106,"hideCaption":106,"lazyload":275,"text":388,"title":389,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":390,"anchorTitle":390,"fullWidthImage":106},"CardBlock",[],{"label":381,"file":382,"__typename":72},"CA120-personal manager 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href=\"/kontakt\">Kontakt\u003C/a>\u003C/p>","\u003Ch3>Kontakt\u003C/h3>","6645ebc98cfde",[392],{"__typename":378,"buttonItems":393,"buttonsAligning":108,"icon":394,"image":24,"calculatedImageCustomAltText":24,"imageCustomCaptionText":13,"hideOnMobile":106,"hideCaption":106,"lazyload":275,"text":402,"title":403,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":404,"anchorTitle":404,"fullWidthImage":106},[],{"label":395,"file":396,"__typename":72},"Kredit",{"mimeType":65,"directDownloadUrl":397,"downloadUrl":398,"filename":399,"size":400,"content":401,"__typename":71},"https://website-content-service.santanderconsumer.at/storage/65c5f4027f05f/kredit.svg","https://website-content-service.santanderconsumer.at/media/download/65c5f4027f05f/kredit.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODk1NDc0NTIsImV4cCI6MTc4OTU1MTA1MiwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY1YzVmNDAyN2YwNWYva3JlZGl0LnN2ZyJ9.cq8-WVZeODirncMoB6oAYHn4jlWqdk3HBM8RghhbYNDTh3d_LcfYfun1crLLZjMVfheo_Y6gNOidvdTyl5cHB8ug5LzV3S_SSv48KTTRixys1EBWXzshq181biEBSFG-rDjnt4vRIqA9LwwsKBwWftujAI97qgh4wV8pd6oUxPHzghnKqessV7_gSB_U6EId7Vu0BRLoGtcM7wezIBc32muAz6AYY3Pf94A03SSdE-LP28Fhh3WMi0OyptghA1AqmNE8uVX4SU4x8ikG--3R0A_1afDlC5jHldwUnD2mhNf11jy_fQRhmWtVDf63kg3PtfTw27ODSGA0rQk1w63rXuNRJXnm8veH3ZQVF87xTYhFLAy9712Uadmff3gPrmBkONHGO1_2hrodcHzWMcpMQqAqmPYhiWqWXgy_95-3_-e6p6W7aj_3S-B-4c-iWoFoZdUkFNcjMjfkPnFfuVGjjyCSZJUediCOeEPp9Vcvnwubuv5PMn235Uo85dotN0_-usuAi1sowa8he7ujzoQq8gaeln0shbmKmd0A9wuLitMkabbsfiO_lQffsr5KIyEJIHWBh5SKiOyilhptQ84glUFyED3UmptznoShVVgXvmvXJSGgt7MjBxoQKOQEgKUENdxdcyr83aeb_wycwRBiJk7jpITMuUFzNq72qoXz5sM","65c5f4027f05f/kredit.svg",1635,"\u003Csvg 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href=\"/kredit\">Kredit\u003C/a>\u003C/p>","\u003Ch3>Kredit\u003C/h3>","6645ebc98cfe2","69329024e301d","6a563c6059737",{"__typename":408,"layout":409,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":410,"anchorTitle":410},"DividerBlock","step0","6a563c6059750",{"__typename":412,"text":413,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":414,"anchorTitle":414,"showLatestOnly":275,"blogCategories":415},"BloglistBlock","\u003Ch3>Aktuelles aus unserem Blog\u003C/h3>","6a563c6059755",[],{"__typename":294,"text":417,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":418,"anchorTitle":418},"\u003Cstyle>\n/* Table */\n:root {\n    --green_dark: #63BA68;\n    --green_light: #e1f5e2;\n    --blue_dark: #127277;\n    --blue_light: #e8f8f9;\n    --white: #ffffff;\n}\n\nfigure.ins > table {\n    border-collapse: collapse;\n    border-style: hidden;\n}\n\ntable.w900 {\n    max-width: 900px;\n    margin-left: auto;\n    margin-right: 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Tipps & Rechenbeispiel","Laufende Kredite umschulden & monatliche Kosten senken! ► ✓ Wann lohnt sich Umschuldung? ✓ Wie läuft sie ab? ✓ Kredite zusammenfassen.","MetaTags","Kredit umschulden: Wann es sich lohnt | Santander Bank Österreich","Santander Bank 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