[{"data":1,"prerenderedAt":998},["ShallowReactive",2],{"findBlogArticleBySlug_kreditvoraussetzungen-oesterreich":3,"getDomainUrl":421,"findMenuEntries":425,"getDomainSettings":969,"svg-019d76c9-e385-7258-a234-650af6fa4e41":24,"_apollo:static":995,"_apollo:public":996,"_apollo:form":997},{"findBlogArticle":4},[5],{"id":6,"slug":7,"title":8,"content":9,"target":388,"metaTags":389,"fallbackSeoTitle":393,"fallbackSeoDescription":394,"fallbackSeoImage":24,"fallbackSeoCanonicalUrl":395,"headerTheme":30,"heroTheme":30,"footerTheme":30,"publishedAt":396,"quickLinksFaq":356,"quickLinksCredit":356,"quickLinksCard":123,"quickLinksOffices":123,"quickLinksContact":356,"quickLinksSavings":123,"quicklinks":397,"teaserImage":398,"teaserText":407,"heroImage":408,"imagePositionVertical":418,"imagePositionHorizontal":419,"__typename":420},"102","kreditvoraussetzungen-oesterreich","Kreditvoraussetzungen in Österreich",[10,19,22,32,35,39,42,48,51,70,73,79,92,95,108,111,117,128,131,169,172,184,190,193,196,254,257,260,263,266,279,282,295,298,303,306,332,335,376,380,385],{"__typename":11,"text":12,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":18,"anchorTitle":18},"TextBlock","\u003Cp>Sie möchten ein neues Auto kaufen, einen bestehenden Kredit umschulden oder andere größere Ausgaben finanzieren? Wenn die eigenen finanziellen Mittel nicht ausreichen, kann ein Kredit die passende Lösung sein. In solchen Situationen kommt es darauf an, welche Kreditvoraussetzungen in Österreich gelten und wie Banken über eine Kreditzusage entscheiden.\u003C/p>\u003Cp>Bevor eine Bank Geld verleiht, analysiert sie sorgfältig die finanzielle Situation der Antragstellerinnen und Antragsteller. Diese Bonitätsprüfung soll sicherstellen, dass die Finanzierung langfristig tragbar bleibt.\u003C/p>\u003Cp>In diesem Ratgeber erfahren Sie, welche Voraussetzungen Banken in Österreich prüfen und welche Unterlagen für einen Kreditantrag erforderlich sind.\u003C/p>","","h-default","w-full","small","none","69d8c8d6ccc41",{"__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\">Kreditvoraussetzungen in Österreich\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub3\">Wie prüfen Banken in Österreich die Kreditwürdigkeit und Bonität?\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub4\">Haushaltsrechnung\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub5\">Kreditantrag in Österreich\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub6\">Welche Voraussetzungen gelten für verschiedene Kreditarten?\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub7\">Kredit abgelehnt – was tun?\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub8\">Kredit gemeinsam aufnehmen\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub10\">Häufige Fragen\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub11\">Fazit\u003C/a>\u003C/li>\u003C/ul>","69d8c8d6ccc7d",{"__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>\u003Cp>\u003Cstrong>Kreditvoraussetzungen in Österreich auf einen Blick\u003C/strong>\u003C/p>\u003Cul>\u003Cli>Kreditnehmerinnen und Kreditnehmer müssen volljährig sein und einen Wohnsitz in Österreich haben.\u003C/li>\u003Cli>Banken prüfen Einkommen, Ausgaben und bestehende Verpflichtungen.\u003C/li>\u003Cli>Eine Bonitätsprüfung über Auskunfteien wie KSV oder CRIF gehört zum Standard.\u003C/li>\u003Cli>Für den Antrag benötigen Banken in der Regel Gehaltsnachweise, Kontoauszüge und Ausweisdokumente.\u003C/li>\u003Cli>Ihre Chancen steigen, wenn Haushaltsbudget, Kreditsumme und Laufzeit zusammenpassen.\u003C/li>\u003C/ul>","69c50278aae93","light-grey","default","ub1",{"__typename":11,"text":33,"textOverlay":13,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":34,"anchorTitle":34},"\u003Ch2>Welche Bedingungen müssen erfüllt sein?\u003C/h2>\u003Cp>Banken achten bei der Kreditprüfung auf formale Kriterien und die finanzielle Situation der Antragstellerinnen und Antragsteller. Sie unterscheiden bei der Kreditprüfung zwischen Kreditfähigkeit und Kreditwürdigkeit: Kreditfähigkeit beschreibt die rechtlichen Voraussetzungen für einen Kredit, Kreditwürdigkeit die wirtschaftliche Fähigkeit zur Rückzahlung.\u003C/p>\u003Ch3 class=\"h4\">Die folgende Übersicht zeigt entscheidende Kreditvoraussetzungen im Überblick\u003C/h3>","ub2",{"__typename":36,"text":37,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":38,"anchorTitle":38},"HtmlBlock","\u003Cfigure class=\"table ins striped fix\">\n    \u003Ctable class=\"blue w700\">\n        \u003Cthead>\n            \u003Ctr class=\"lvl2\">\n                \u003Cth id=\"fa\" scope=\"col\">\n                    \u003Cstrong>Formale Anforderung\u003C/strong>\n                \u003C/th>\n                \u003Cth id=\"b\">\n                    \u003Cstrong>Bonität\u003C/strong>\n                \u003C/th>\n                \u003Cth id=\"ef\" scope=\"col\">\n                    \u003Cstrong>Einkommen & finanzielle Situation\u003C/strong>\n                \u003C/th>\n            \u003C/tr>\n        \u003Ctbody>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"fa\">\n                    Volljährigkeit\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    Positive Bonitäts­prüfung (KSV / CRIF)\n                \u003C/td>\n                \u003Ctd headers=\"ef\"> \n                    Regelmäßiges Einkommen\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"fa\">\n                    Wohnsitz in Österreich\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    Bisheriges Zahlungs­verhalten\n                \u003C/td>\n                \u003Ctd headers=\"ef\"> \n                    Haushalts­rechnung, ausreichendes Einkommen für die Kreditrate (Einnahmen vs. Ausgaben)\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"fa\">\n                    Gültiger Identitäts­nachweis\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    Keine offenen Forderungen oder Inkasso­verfahren\n                \u003C/td>\n                \u003Ctd headers=\"ef\"> \n                    Bestehende Ver­pflichtungen (Berück­sichtigung von Fixkosten und weiteren Ausgaben)\n                \u003C/td>\n            \u003C/tr>\n        \u003C/tbody>\n    \u003C/table>\n\u003C/figure>","69d8c8d6ccc9b",{"__typename":11,"text":40,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":41,"anchorTitle":41},"\u003Cp>Die konkreten Anforderungen variieren abhängig vom Kreditinstitut. Ein Blick auf die Santander Kredit Voraussetzungen zeigt, dass Einkommen, Bonität und laufende Verpflichtungen wichtige Kriterien sind.\u003C/p>","69d8c8d6ccca0",{"__typename":23,"backgroundImage":24,"content":43,"theme":29,"imagePositionHorizontal":24,"imagePositionVertical":24,"imageMobilePositionHorizontal":24,"imageMobilePositionVertical":24,"mobileBackgroundDisplay":24,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":47,"anchorTitle":47},[44],{"__typename":11,"text":45,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":46,"anchorTitle":46},"\u003Cp>\u003Cstrong>Grundsätzlich gilt:\u003C/strong> Je stabiler Einkommen und finanzielle Situation sind, desto besser stehen die Chancen auf eine Kreditzusage.\u003C/p>","69c6765705cbc","69d8c8d6ccca4",{"__typename":11,"text":49,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":50,"anchorTitle":50},"\u003Ch2>Wie prüfen Banken in Österreich Kreditwürdigkeit und Bonität?\u003C/h2>\u003Cp>Bei der Beurteilung der Kreditwürdigkeit berücksichtigen Banken verschiedene Faktoren, um ein möglichst realistisches Bild der finanziellen Situation zu erhalten. Dabei sind verschiedene Kriterien wichtig, darunter Bonitätsauskünfte, Beschäftigungsverhältnis & Einkommen sowie finanzielle Situation.\u003C/p>","ub3",{"__typename":52,"iconItems":53,"iconAligning":68,"listLayout":15,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":69,"anchorTitle":69},"IconListBlock",[54],{"icon":55,"text":13,"label":66,"__typename":67},{"label":56,"file":57,"__typename":65},"CB025-loan",{"mimeType":58,"directDownloadUrl":59,"downloadUrl":60,"filename":61,"size":62,"content":63,"__typename":64},"image/svg+xml","https://website-content-service.santanderconsumer.at/storage/69bc1181c613e/cb025loan1.svg","https://website-content-service.santanderconsumer.at/media/download/69bc1181c613e/cb025loan1.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODE1MzQ2ODMsImV4cCI6MTc4MTUzODI4MywiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxMTgxYzYxM2UvY2IwMjVsb2FuMS5zdmcifQ.Yb-SAlX6uLOuk5Obsty2Z-VvE6ppvt5ZMKJDnYdP9GHRtG0AgeGcgk8r66B5nPHNFR5o2ly7t9csfV3xSLoIcurB5qDifnRhwqKyhZpppD6j8146_-KXL1dd9lfXBfO510GwRTc0jey8N7K6bTt5RBdvrK43a1-g56YjIA-hFcIuo_JBnXTTsr334TTjbQR156w5kNofi23q_jmaJu-sZuANuXOwKeqyDIGjP02qU0NDyroryJpS8kR7QWyDVDQYXjiafb3yBQBSOjCw4Hurnh6RzBhvjn5qW4uqB29PniHH1egcmmQc-wjyKGrhC4ZkbuHgzFnhngoNVwGtEeUV7q44RGm0wtNjtoWAv0N6pSlwMNQmKC6ItA8IYqzVWnM7XY52I_JaU-XIN9QuchFFx81bU0EifqSqFEOzMCfO4dKOpI3JuRqkSNrNhEZrIdUWJhkIsR-oAXMIAEjydNtZDrieBBeWlHfimV6DZrkexiDXBrVIfFsFEdFBFa2gnd5LRT0zZM4zHAcsLG-RHiyWYzLVKUU8gTLByYSRqoCG3Eo5XU4j6izP4LLDtXQsN0KyyXu_UNxfgs0pngb7IByzvL5TiHTKWBja9Ei0v06uv90DpvCVQq6eaf2wqULZ8qKumeQlmAmywFaCTmEemtuo_Y9QTJhnAIHlDcDwKc8bh6I","69bc1181c613e/cb025loan1.svg",4909,"\u003C?xml 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Dort werden Informationen über das bisherige Zahlungsverhalten gespeichert. Ein KSV-Eintrag oder eine CRIF-Auskunft im Zusammenhang mit einem Kredit kann Hinweise auf bestehende Verpflichtungen oder frühere Zahlungsschwierigkeiten geben. \u003C/p>\u003Cp>\u003Cstrong>Dazu zählen unter anderem:\u003C/strong>\u003C/p>\u003Cul>\u003Cli>bestehende Kreditverträge oder Finanzierungen\u003C/li>\u003Cli>Informationen zu laufenden Leasingzahlungen\u003C/li>\u003Cli>offene Forderungen oder Inkassoverfahren\u003C/li>\u003Cli>frühere Zahlungsausfälle\u003C/li>\u003Cli>Insolvenzen oder andere negative Einträge\u003C/li>\u003Cli>Bonitätsbewertungen und „Score“-Werte zur Einschätzung der Zahlungswahrscheinlichkeit\u003C/li>\u003C/ul>\u003Cp>Die Daten geben Hinweise darauf, wie zuverlässig Kreditnehmerinnen und Kreditnehmer finanzielle Verpflichtungen in der Vergangenheit erfüllt haben. Lehnt eine Bank einen Kreditantrag aufgrund von Informationen aus einer Auskunftei ab, muss sie angeben, welche Auskunftei abgefragt wurde. Betroffene können so die gespeicherten Daten überprüfen. \u003C/p>","69d8dac3b37a1",{"__typename":23,"backgroundImage":24,"content":74,"theme":29,"imagePositionHorizontal":24,"imagePositionVertical":24,"imageMobilePositionHorizontal":24,"imageMobilePositionVertical":24,"mobileBackgroundDisplay":24,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":78,"anchorTitle":78},[75],{"__typename":11,"text":76,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":77,"anchorTitle":77},"\u003Cp>\u003Cstrong>Tipp:\u003C/strong> Verbraucherinnen und Verbraucher haben das Recht, eine Selbstauskunft bei Wirtschaftsauskunfteien wie KSV1870 oder CRIF anzufordern. So sehen sie, welche Daten gespeichert sind und ob die Einträge korrekt sind.\u003C/p>","69c52103bc193","69d8c8d6cccb6",{"__typename":52,"iconItems":80,"iconAligning":68,"listLayout":15,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":91,"anchorTitle":91},[81],{"icon":82,"text":13,"label":90,"__typename":67},{"label":83,"file":84,"__typename":65},"D0600-portfolio of values",{"mimeType":58,"directDownloadUrl":85,"downloadUrl":86,"filename":87,"size":88,"content":89,"__typename":64},"https://website-content-service.santanderconsumer.at/storage/69d8d2bb2d6b2/d0600portfolioofvalues.svg","https://website-content-service.santanderconsumer.at/media/download/69d8d2bb2d6b2/d0600portfolioofvalues.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODE1MzQ2ODMsImV4cCI6MTc4MTUzODI4MywiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5ZDhkMmJiMmQ2YjIvZDA2MDBwb3J0Zm9saW9vZnZhbHVlcy5zdmcifQ.L9CsUW6wD8-AnPa15wYoLdy2SCus1j4CXBbfC5VqzatEGFjHfXb2FxFux8H_8bUk-VZt8jv0hKfW-EBg18PP234jzNn20xQBPo0HqNY6fpNNVzUT7zV4M9Efz6pQN6f805Xv4lWzfr9zUhO9u1lWeR44PVf9w0yehTO-wy0wVOifiy59D6W3jiAf_QTvdMd9Y8MIHo7iEB-HKe2fPundqlqYcgvar_W_r7VxAsX3gCYjGY-WhOxu8sAef12UWfkjETnCBiAqsQCUGVBPXSl8clgFjQitzBCzI2BEEP3TwtloZcqmy6zhPd8p5tw8jZDNshdWEd6LiBRkRuWuDNHuGhG8em5yMKfr8Y3NXK6jp5a2466Q3bUgOZU2oFeGBVh8FdmX-xpFunsei3ipbQcaxbekbQqu3hGtfaJd-TIMzBkckvf_gY900ads1UMgzHcnvRM71TbZnh5q8n1EJaOI7lsXszHgxTioTtruJf84_xZ8PjDseACFyjXmEHIuMbY1L0ftPfCbWfmhFqIb9HCox3bp4EqYJTJpye63RMIndOODb3LNGoZe5CbFxxaytPr16U6qVBkgx01GLzOfCv6uWgVbRDYf3HbhnCPgChDs6-Gdpx4-9ryOL29suK9FBhL1QhYWLvrhorZ3n5GkmwDJzg2yk5gKRt0c8AmIp2od0eM","69d8d2bb2d6b2/d0600portfolioofvalues.svg",1897,"\u003C?xml version=\"1.0\" encoding=\"UTF-8\"?>\n\u003Csvg viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http://www.w3.org/2000/svg\" xmlns:xlink=\"http://www.w3.org/1999/xlink\">\n    \u003Ctitle>SVG/D0600-portfolio of values\u003C/title>\n    \u003Cg id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\">\n        \u003Cg id=\"D.-Objects-&-Activities/D0600-portfolio-of-values-|-OBJECTS,-briefcase,-portfolio,-maletin-ACTIVITIES,-values,-valores\" fill=\"currentColor\" fill-rule=\"nonzero\">\n            \u003Cg id=\"icon-color\">\n                \u003Cpath d=\"M15.5,4 C15.7454599,4 15.9496084,4.17687516 15.9919443,4.41012437 L16,4.5 L16,7 L21.5005,7 C21.7766424,7 22.0005,7.22385763 22.0005,7.5 L22.0005,16.98 C22.0005,18.6481424 20.6486424,20 18.9805,20 L5.0195,20 C3.35148701,20 2.0005,18.6482719 2.0005,16.98 L2.0005,7.5 C2.0005,7.22385763 2.22435763,7 2.5005,7 L8,7 L8,4.5 C8,4.25454011 8.17687516,4.05039163 8.41012437,4.00805567 L8.5,4 L15.5,4 Z M21.0005,13.2253047 C20.5139832,13.6634104 19.884338,13.9456175 19.190123,13.9933072 L18.98,14.0005 L14,14 L14,15.5 C14,15.7454599 13.8231248,15.9496084 13.5898756,15.9919443 L13.5,16 L10.5,16 C10.2545401,16 10.0503916,15.8231248 10.0080557,15.5898756 L10,15.5 L10,14 L5.02,14.0005 C4.24351944,14.0005 3.5355677,13.7075956 3.0005,13.2262283 L3.0005,16.98 C3.0005,18.0961099 3.90389456,19 5.0195,19 L18.9805,19 C20.0963576,19 21.0005,18.0958576 21.0005,16.98 L21.0005,13.2253047 Z M13,12 L11,12 L11,15 L13,15 L13,12 Z M21.0005,8 L3.0005,8 L3,10.9805 C3,12.0456368 3.82381568,12.9178678 4.86921491,12.9949608 L5.02,13.0005 L10,13 L10,11.5 C10,11.2545401 10.1768752,11.0503916 10.4101244,11.0080557 L10.5,11 L13.5,11 C13.7454599,11 13.9496084,11.1768752 13.9919443,11.4101244 L14,11.5 L14,13 L18.98,13.0005 C20.0451368,13.0005 20.9173678,12.1766843 20.9944608,11.1312851 L21,10.9805 L21.0005,8 Z M15,5 L9,5 L9,7 L15,7 L15,5 Z\">\u003C/path>\n            \u003C/g>\n        \u003C/g>\n    \u003C/g>\n\u003C/svg>","\u003Ch3>Beschäftigungsverhältnis und Einkommenssicherheit\u003C/h3>","69d8d17a9fd85",{"__typename":11,"text":93,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":94,"anchorTitle":94},"\u003Cp>Ein stabiles Einkommen erhöht die Chancen auf eine Kreditzusage deutlich. Ein unbefristetes Arbeitsverhältnis wirkt sich dabei meist positiv aus. Bei einem Kredit für Selbständige prüfen Banken häufig zusätzliche Voraussetzungen und verlangen Nachweise wie Steuerbescheide oder betriebliche Auswertungen, um die Einkommenssituation besser einschätzen zu können.\u003C/p>","69d8c8d6cccc7",{"__typename":52,"iconItems":96,"iconAligning":68,"listLayout":15,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":107,"anchorTitle":107},[97],{"icon":98,"text":13,"label":106,"__typename":67},{"label":99,"file":100,"__typename":65},"AF040-analysis",{"mimeType":58,"directDownloadUrl":101,"downloadUrl":102,"filename":103,"size":104,"content":105,"__typename":64},"https://website-content-service.santanderconsumer.at/storage/69d8d2d4c577b/af040analysis.svg","https://website-content-service.santanderconsumer.at/media/download/69d8d2d4c577b/af040analysis.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODE1MzQ2ODMsImV4cCI6MTc4MTUzODI4MywiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5ZDhkMmQ0YzU3N2IvYWYwNDBhbmFseXNpcy5zdmcifQ.euZmw5aiKE7ay-0I_us57LfF_jWir8Lehd7mjqSqG9UY3-goagTA6m7WqyJjY8FwKpwx2DF1bJZ3mVtNg7Velp09R5Y3rYc4v5QX0mp6PWF3vggLxIN32f8HRLptYl-03nG31I6q1-0fAZfDcoypdw4z4aqBB7ZotV2WL_HClo_YB6-wpfl1NyZi0dOrPtsUb4SGo2mudAp3ah-aLz6sMXdjsCaIJvjbjb9OAHMdNcrnRs6-jBkXZxC08J6FtPrTpSHIrkkEApzE60hzF5KKrkcFfFdDsPzSk73AvTjuZI-MOp78CksCwTobIep7URdpxL6JzBSHrM4bhjMCgBqFxuBc0NrhXXkwJkUwYJAzk3mzS2p6tOaIsPwS7wMb9COKRaCGm45Xwv79ky6JZJP4MjC0ppIBu3Whba6DSQzaMmZy9ZcetnfFiBip1BvymrwB-0cokNyQyVfPeuMMLgUPRne9XM5VbQdQXZcp5RLXRiv-lAesEwnTFJJI8wAzKBDILlFK-5r0p8gyWCrz1YDYm8SL_j7O9iRQQDlPbFryf8iu_kRm-YP0hFlDw-mgqZUzFkbK8_NxehHdZSF5sQnxjzBkl4EZMmKsRcIsUh6irgwb8iQ32MYLwAOBETwG3vWh37CPF7YXma7WWHRv8suCHNAaSAF3MgzohpCXCpJ5rKY","69d8d2d4c577b/af040analysis.svg",3424,"\u003C?xml 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L14.9662638,9.0899658 L13.5462808,8.1400146 L9.83625889,11.8499755 C9.66736778,12.0277641 9.39580502,12.0475184 9.20409806,11.9092384 L9.13630769,11.8499755 L7.48628329,10.2099609 L6.37629789,11.3299561 C6.25627837,11.0579835 6.1554776,10.7667921 6.0892393,10.4666319 L6.04628079,10.2399903 L7.12629789,9.1499634 C7.22627349,9.0499878 7.35627839,9 7.48628329,9 C7.59028721,9 7.69429113,9.03199219 7.77779503,9.09597658 L7.83625889,9.1499634 L9.48628329,10.789978 L13.1363077,7.1499633 Z\" id=\"icon-color\">\u003C/path>\n        \u003C/g>\n    \u003C/g>\n\u003C/svg>","\u003Ch3>Analyse der aktuellen finanziellen Situation\u003C/h3>","69d8d1cd6b1ba",{"__typename":11,"text":109,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":110,"anchorTitle":110},"\u003Cp>Das Einkommen gehört zu den wichtigsten Kreditvoraussetzungen. Kreditinstitute bewerten deshalb die aktuelle wirtschaftliche Situation der Antragstellerinnen und Antragsteller. \u003C/p>\u003Cp>\u003Cstrong>Dabei berücksichtigen sie unter anderem:\u003C/strong>\u003C/p>\u003Cul>\u003Cli>Höhe und Stabilität des Einkommens\u003C/li>\u003Cli>monatliche Fixkosten wie Miete oder Versicherungen\u003C/li>\u003Cli>bestehende Kreditverpflichtungen\u003C/li>\u003Cli>Unterhaltszahlungen oder andere regelmäßige Ausgaben\u003C/li>\u003C/ul>\u003Cp>Auf dieser Grundlage erstellen sie eine Haushaltsrechnung und stellen Einnahmen und Ausgaben gegenüber. So beurteilen Banken, ob ausreichend finanzieller Spielraum für eine monatliche Kreditrate vorhanden ist. \u003C/p>","69d8d1cd6b1c2",{"__typename":23,"backgroundImage":24,"content":112,"theme":29,"imagePositionHorizontal":24,"imagePositionVertical":24,"imageMobilePositionHorizontal":24,"imageMobilePositionVertical":24,"mobileBackgroundDisplay":24,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":116,"anchorTitle":116},[113],{"__typename":11,"text":114,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":115,"anchorTitle":115},"\u003Cp>\u003Cstrong>Tipp:\u003C/strong> Ein festes Mindesteinkommen für einen Kredit in Österreich gibt es in der Regel nicht. Banken legen keine einheitliche Einkommensgrenze fest.\u003C/p>","69c52103bc1a5","69d8c8d6cccce",{"__typename":118,"buttonItems":119,"buttonsAligning":126,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":127,"anchorTitle":127},"ButtonsBlock",[120],{"label":121,"buttonDataAttribute":24,"resolvedUrl":122,"targetBlank":123,"theme":124,"buttonSize":30,"withIcon":123,"iconRef":24,"iconPosition":68,"onlyIcon":123,"outline":123,"buttonTitleAttribute":24,"__typename":125},"Entdecken Sie die Vorteile unseres JetztSofort Kredits","/kredit",false,"secondary","ButtonBlock","justify-center","69d8c8d6cccdf",{"__typename":11,"text":129,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":130,"anchorTitle":130},"\u003Ch2>Wie funktioniert eine Haushaltsrechnung?\u003C/h2>\u003Cp>Mit einer Haushaltsrechnung ermitteln Banken, wie viel finanzieller Spielraum nach Abzug aller laufenden Kosten bleibt. Entscheidend ist dabei nicht das Bruttoeinkommen, sondern der Betrag, der nach allen Fixkosten tatsächlich zur Verfügung steht.\u003C/p>","ub4",{"__typename":132,"layout":133,"horizontalAlignment":166,"verticalAlignment":167,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":168,"anchorTitle":168},"LayoutBlock",{"type":134,"left":135,"center":24,"right":150,"centerLeft":24,"centerRight":24,"__typename":165},"union_columns_12_12",[136],{"__typename":52,"iconItems":137,"iconAligning":68,"listLayout":15,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":149,"anchorTitle":149},[138],{"icon":139,"text":147,"label":148,"__typename":67},{"label":140,"file":141,"__typename":65},"AC440-receive",{"mimeType":58,"directDownloadUrl":142,"downloadUrl":143,"filename":144,"size":145,"content":146,"__typename":64},"https://website-content-service.santanderconsumer.at/storage/69d8d50c43b13/ac440receive.svg","https://website-content-service.santanderconsumer.at/media/download/69d8d50c43b13/ac440receive.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODE1MzQ2ODMsImV4cCI6MTc4MTUzODI4MywiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5ZDhkNTBjNDNiMTMvYWM0NDByZWNlaXZlLnN2ZyJ9.NijBLt-1IQTMOlXJKbdN-V05jA2UykL8VafUo46ohH7Boye_a8jNRDhZfX7xSg-yAsFCn4McKFCKFe3dJIKQnuMoG5AXnCNV6SqdsSpYvfxH9etmi2imyPcoVHXH7CF7p8Lz8UGB6Fv1XDhQ_Rv8yNZj07Xh8Jn9M8hvF7UraZOKF4No4bnx5FV9atSI2NDwlNbtOthbpCDwO07szsl7W93cwlGVFGS54vJxSTjCRsIvQrSFwzGiVLjb1FE_v8wAwVHxehOIjzaWW2pFLy7T_xhlJiv_MYmJhGvHfHDR4Ai6H9GheHbHdkw_0tSeTif-0yYB_CP2bgiUvQOO11WUq570f9qw2cyRbk-_C2rcTW9Rn3BEkxvKPs898Iei8pkwsT9cJuSLbIa-HtDWB_DC6pN1VdRQKRkKxNPFoXNuHI-v7UUWI27LoDC7OKth1JBpVNYjpwQQYgx7GKllNI4H4QOit9vVTcp8EYFpRQLeNploxZ0JxIu6XFyB-zJp7WqxoLJjUd8SX2qWKYqG9TSoNckW4Ahcy0VP-ZO1-T49JcbX_Twyul68zmjCWOxsJenF_KhVFiR9DtP1cwG_wQQKX1N253pByiD-3uqHjD21nNb3BDfCwVEd2fjIQo68LBuwbk1OYRAIGN6_H1wQtfWhBhi15xnPgaaz9QU0mrqD8vE","69d8d50c43b13/ac440receive.svg",2874,"\u003C?xml 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euro",{"mimeType":58,"directDownloadUrl":157,"downloadUrl":158,"filename":159,"size":160,"content":161,"__typename":64},"https://website-content-service.santanderconsumer.at/storage/69d8d54e08f96/ab141paymenteuro.svg","https://website-content-service.santanderconsumer.at/media/download/69d8d54e08f96/ab141paymenteuro.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODE1MzQ2ODMsImV4cCI6MTc4MTUzODI4MywiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5ZDhkNTRlMDhmOTYvYWIxNDFwYXltZW50ZXVyby5zdmcifQ.UDKARXeMQWVqUksXleWPYxIrKd7DSGtGahg8AG-PxvIs_sdDfO3lOi6nvZigFQx9emUFVTcwizAhQPAl7We7rpd-mhe8cdlPG0pF-5socKrZqa0msV7wKlwa-hQSXqN2gMMtqZyzuNaa8UJi2LtJjlu1HsNActmeJ0Nc9rkRkpo-ykkFhlLAL-soMFOxyTkb6FEE6HVD6B6hT9oqV8PCtlNOwNwLc8fh9WGbB-dFq8OwkSdXel11wVTMLEsaUQDFO_lc1zgi4mu73U_bec-rSlL06Q8zmisNvcazykBdoPt3uqycJOwxak629Q8a1IhvKnR7EgsPdZ-S9B2XhyB2JiCpIzpX0JSAA0NPPgay4c5EbR5rJaivHy6u3v2oRdDA9Bw26V0mfhG1ewsQvC-_E80HczcKZCNLMaap4RRLeDLFKBjNjQoOlwFfvGL9j9XaWuarTFYEICz6DL_FUbKQIhlsAM1BsMn3NBkQP9mQAjAVB_kZyJwtzztzF3qGFKzZ6U5FVypgRe3fNywFBSa_7BNJeSItQiIkHDp_eXtmFT4zzxSaofJbCnlxwNrzTteHpN241Zr6youg6zdf5FQUS8bZehUtaFnUuR92SRvFJ3Bs8xG305YYwETszpxZba-PMXtaDLT7CHBU8szRWg02EZ7aosltAXvB_92ItuwRiQ4","69d8d54e08f96/ab141paymenteuro.svg",4739,"\u003C?xml 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L17.5039062,4.75648529 L17.5039062,4.75648529 C17.7226562,4.92519993 17.7626953,5.23873616 17.59375,5.45669987 C17.4267578,5.67710164 17.109375,5.71611081 16.8925781,5.54739617 C16.40625,5.17242053 16.109375,4.99590406 15.4970703,4.99590406 C14.6778972,4.99590406 14.119515,5.33916849 13.7485798,6.02277353 L13.671936,6.17446855 L15.7763672,6.17446855 C16.0527344,6.17446855 16.2763672,6.39779602 16.2763672,6.67378589 C16.2763672,6.91911022 16.0996697,7.12282476 15.866302,7.16506596 L15.7763672,7.17310324 L12.1826171,7.17310324 C11.90625,7.17310324 11.6826171,6.94977577 11.6826171,6.67378589 C11.6826171,6.42846156 11.8593146,6.22474703 12.0926823,6.18250583 L12.1826171,6.17446855 L12.572998,6.17446855 C13.0615234,4.75051205 14.0720825,3.99726937 15.4970703,3.99726937 Z\" id=\"icon-color\">\u003C/path>\n        \u003C/g>\n    \u003C/g>\n\u003C/svg>","\u003Cul>\u003Cli>Miete oder bestehende Wohnkredite\u003C/li>\u003Cli>laufende Kreditraten\u003C/li>\u003Cli>Versicherungen\u003C/li>\u003Cli>Unterhaltszahlungen\u003C/li>\u003Cli>Kosten für Mobilfunk, Internet oder Streaming\u003C/li>\u003Cli>regelmäßige Lebenshaltungskosten\u003C/li>\u003C/ul>","\u003Ch3 class=\"h4\">Typische Ausgaben\u003C/h3>","69d8d52e816c9","Layout","justify-between","items-start","69d8d41a6cafc",{"__typename":11,"text":170,"textOverlay":13,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":171,"anchorTitle":171},"\u003Ch3 class=\"h4\">Die folgenden Beispiele zeigen mögliche Haushaltsfinanzpläne\u003C/h3>","69d8cdd1e43f3",{"__typename":132,"layout":173,"horizontalAlignment":166,"verticalAlignment":182,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":183,"anchorTitle":183},{"type":134,"left":174,"center":24,"right":178,"centerLeft":24,"centerRight":24,"__typename":165},[175],{"__typename":36,"text":176,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":177,"anchorTitle":177},"\u003Cfigure class=\"table ins striped fix\">\n    \u003Ctable class=\"blue w700\">\n        \u003Cthead>\n            \u003Ctr class=\"lvl2\">\n                \u003Cth id=\"sh\" scope=\"col\">\n                    \u003Cstrong>Single­haushalt\u003C/strong>\n                \u003C/th>\n                \u003Cth id=\"b\">\n                    \u003Cstrong>Betrag\u003C/strong>\n                \u003C/th>\n            \u003C/tr>\n        \u003Ctbody>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"sh\">\n                    Nettoeinkommen\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    2.800 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"sh\">\n                    Miete\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    - 900 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"sh\">\n                    Lebenshaltungs­kosten\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    - 600 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"sh\">\n                    Versicherungen\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    - 150 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"sh\">\n                    Mobilität (Öffis/Auto)\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    - 200 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"sh\">\n                    Handy, Internet, Streaming\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    - 100 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"sh\">\n                    Sonstige Ausgaben\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    - 150 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"sh\">\n                    Ausgaben insgesamt\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    2.100 €\n                \u003C/td>\n            \u003C/tr>\n                        \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"sh\">\n                    \u003Cstrong>Verbleibender Spielraum\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    \u003Cstrong>700 €\u003C/strong>\n                \u003C/td>\n            \u003C/tr> \n        \u003C/tbody>\n    \u003C/table>\n\u003C/figure>","69d4aeda2c46a",[179],{"__typename":36,"text":180,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":181,"anchorTitle":181},"\u003Cfigure class=\"table ins striped fix\">\n    \u003Ctable class=\"blue w700\">\n        \u003Cthead>\n            \u003Ctr class=\"lvl2\">\n                \u003Cth id=\"fk\" scope=\"col\">\n                    \u003Cstrong>Familie mit einem Kind\u003C/strong>\n                \u003C/th>\n                \u003Cth id=\"b\">\n                    \u003Cstrong>Betrag\u003C/strong>\n                \u003C/th>\n            \u003C/tr>\n        \u003Ctbody>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"fk\">\n                    Netto­einkommen Person 1 + 2\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                      4.400 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"fk\">\n                    Miete\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    - 1.200 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"fk\">\n                    Lebenshaltungs­kosten\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    - 1.400 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"fk\">\n                    Versicherungen\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    -   200 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"fk\">\n                    Mobilität (Öffis/Auto)\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    -  300 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"fk\">\n                    Kinderbetreuung\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    -   300 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"fk\">\n                    Handy, Internet, Streaming\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    -   120 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"fk\">\n                    Sonstige Ausgaben\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    - 280 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"fk\">\n                    Ausgaben insgesamt\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                      3.800 €\n                \u003C/td>\n            \u003C/tr>\n                        \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"fk\">\n                    \u003Cstrong>Verbleibender Spielraum\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    \u003Cstrong>   600 €\u003C/strong>\n                \u003C/td>\n            \u003C/tr> \n        \u003C/tbody>\n    \u003C/table>\n\u003C/figure>","69d4b0534b417","items-stretch","69d8cdd1e43f9",{"__typename":23,"backgroundImage":24,"content":185,"theme":29,"imagePositionHorizontal":24,"imagePositionVertical":24,"imageMobilePositionHorizontal":24,"imageMobilePositionVertical":24,"mobileBackgroundDisplay":24,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":189,"anchorTitle":189},[186],{"__typename":11,"text":187,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":188,"anchorTitle":188},"\u003Cp>\u003Cstrong>Gut zu wissen: \u003C/strong>Die monatliche Kreditrate sollte deutlich unter dem verfügbaren Spielraum liegen, damit ein finanzieller Puffer bleibt.\u003Cstrong> \u003C/strong>Viele Banken setzen für die Lebenshaltungskosten Pauschalen an. Die Werte liegen bei rund 600 € für eine Person. Für jedes weitere Kind im Haushalt kommen jeweils 200 € hinzu. Für eine Familie mit einem Kind würden also 1.400 € angesetzt werden. Die tatsächlichen Ansätze unterscheiden sich jedoch je nach Kreditinstitut.\u003C/p>","69c52103bc1b6","69d8cdd1e4408",{"__typename":11,"text":191,"textOverlay":13,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":192,"anchorTitle":192},"\u003Cp>\u003Cspan class=\"text-sm\">Hierbei handelt es sich lediglich um ein unverbindliches Veranschaulichungsbeispiel\u003C/span>.\u003C/p>","6a2a676012dd8",{"__typename":11,"text":194,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":195,"anchorTitle":195},"\u003Ch2>Kreditantrag in Österreich: Checkliste für den Ablauf\u003C/h2>\u003Cp>Die Kreditaufnahme verläuft in mehreren Schritten. Eine gute Vorbereitung hilft, den Prozess zu beschleunigen und die Chancen auf eine Zusage zu verbessern:\u003C/p>","ub5",{"__typename":52,"iconItems":197,"iconAligning":68,"listLayout":15,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":253,"anchorTitle":253},[198,209,220,231,242],{"icon":199,"text":207,"label":208,"__typename":67},{"label":200,"file":201,"__typename":65},"Circle 1",{"mimeType":58,"directDownloadUrl":202,"downloadUrl":203,"filename":204,"size":205,"content":206,"__typename":64},"https://website-content-service.santanderconsumer.at/storage/67e26302c7216/bd001step1.svg","https://website-content-service.santanderconsumer.at/media/download/67e26302c7216/bd001step1.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODE1MzQ2ODMsImV4cCI6MTc4MTUzODI4MywiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY3ZTI2MzAyYzcyMTYvYmQwMDFzdGVwMS5zdmcifQ.ot40I7w4pK8Y7IIYb095FIpgAccMTQOXErAz8a_ooBx_NtUT91iGGqp9-t-2Y8T_0PgxUaD-4y7fmzz-kBvBvMCzZoPdMUXyqnfqYf76YXAnIKT_s17GeierQrSUwHDhNqLQUCf7u0cq7DOfBfpyi3YRFqLXNt8IJOLmU-lEEDS9jPMQgslw33smhwenjmhN2FTqqCP6EqoQxC1d95kSEZZGV-8e_gHYS-UnQcwnJdwnS9dv6ek3vBdA8UNDpppQLpdP5ChSuZ8XYnrsPxF0ckEmqtLE60jLQRdJYDiECTeEml6-NdxAzgk13f6MLykCxXhHW-JG7HvhMdUnvbDwk146MTuCLa5lLabk9iIvvhf0CBQ4_0ps116n8ojDszJkAhRHDS45PkFPzRpkCOCQGWVbYEtZTDNl85OUXjQ0dSfpkO0079Fixset362Awb5kcmIAIdpBTEC_gjtidZQMkmTU-x_Vu1fawf3LagVxvSsM6_BirdCH-GCMq3vkiKiU8NipOLpPX06C9OynA1lh08xk19oe8mG1nXZTBEWdNw8_NFkOAr2VRTFQpSnt0pLCYJRXII3_Z56Xxneeea_MuHFL6nNtbfqcisic8bPSxzpD0Y0KJyo1_UmJJypUM1YQfWOS-aj0PKPJfRDW0QbRHqUq2AcVTlHrv0QkZ6BQlOA","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","\u003Cp>Überlegen Sie, welche Kreditsumme Sie tatsächlich benötigen. Wichtig ist, dass die monatliche Rate langfristig zu Ihrem Einkommen passt.\u003C/p>\u003Cp>\u003Cstrong>Tipp\u003C/strong>: Mit dem \u003Ca href=\"/kredit\">Online-Kreditrechner\u003C/a> der Santander Bank können Sie Ihre Wunschrate berechnen.\u003C/p>","\u003Ch3 class=\"h4\">Finanzierungsbedarf festlegen\u003C/h3>",{"icon":210,"text":218,"label":219,"__typename":67},{"label":211,"file":212,"__typename":65},"Circle 2",{"mimeType":58,"directDownloadUrl":213,"downloadUrl":214,"filename":215,"size":216,"content":217,"__typename":64},"https://website-content-service.santanderconsumer.at/storage/67e2632299459/bd002step2.svg","https://website-content-service.santanderconsumer.at/media/download/67e2632299459/bd002step2.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODE1MzQ2ODMsImV4cCI6MTc4MTUzODI4MywiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY3ZTI2MzIyOTk0NTkvYmQwMDJzdGVwMi5zdmcifQ.sDw9yWFVmHCTKcQ5g5kehHreYTrUz7J_ySdc-CyEjc0grJwgz1fzjhS5QUEGTJJkDzd3-5k6YnP_jRWlTcnNQFR7TJ5VMkY4xWn0JMGA6zSbFe1jbNrOBhEMUKU_ViE29Mp1LZaQ0mHPZa3no6jno4hWYqVDds_LuWFAXc0A7A4BOZVU8CRcDIqixfohNhvfNmGJtRtccutU4S0NQod8iYs9UmNMjIv6LaH4vq4L96CvYLCp40lLn6LPVhLtcvuz0M6k7V5amtfywhFwwKcM0I_45dIE6wGExrQsZMasjFXGdLgPvJ3TpQxL3ec6FHN_uGwxTtK3W9_aWhpRYTtJvZTynXJ5ehEzxrMejo1qLYuoWxXAyhihfm9h8I7hVmh1CAlFNpEycnkfJn671DETpaO2YFESjJ_TMFc-dqlYFsyKsdhitSJ5iU6UM7UPKgUs_4sjDmeVEpZzgV8U5fPo3iv_XgXOAUkz76k3aJFZf7f0kiHWmfn8acsl2O-8HEL1dqNjl1kzvM4nydYVB95Ep1ZMAPDsTtCAAbaB0keycKOUepmG9Ou0h9YSdfym4Y2oPTZTECmJd-PYsFT6wuPUhIWAY9nUzrVNRB-YOG4qI6NyukA7pUGUNLRywkVBdXmJKSU6TMF0SfOkidMTlrDOyiiQwcLdNE4zITvGt3YTk0c","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 9.65C14.992 10.378 14.8053 11.0313 14.432 11.61C14.068 12.1793 13.494 12.758 12.71 13.346C12.234 13.71 11.8607 14.0087 11.59 14.242C11.3193 14.4753 11.086 14.7273 10.89 14.998C10.694 15.2687 10.5587 15.5673 10.484 15.894H15.16Z\"/>\n\u003C/svg>\n","\u003Cp>Vergleichen Sie Ihre monatlichen Einnahmen und Ausgaben. So sehen Sie schnell, wie viel finanzieller Spielraum für eine Kreditrate vorhanden ist.\u003C/p>","\u003Ch3 class=\"h4\">Haushaltsbudget prüfen\u003C/h3>",{"icon":221,"text":229,"label":230,"__typename":67},{"label":222,"file":223,"__typename":65},"Circle 3",{"mimeType":58,"directDownloadUrl":224,"downloadUrl":225,"filename":226,"size":227,"content":228,"__typename":64},"https://website-content-service.santanderconsumer.at/storage/67e2632e1f3f6/bd003step3.svg","https://website-content-service.santanderconsumer.at/media/download/67e2632e1f3f6/bd003step3.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODE1MzQ2ODMsImV4cCI6MTc4MTUzODI4MywiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY3ZTI2MzJlMWYzZjYvYmQwMDNzdGVwMy5zdmcifQ.qGPBSQhhWbymqyGtaeNQIw2xFM0pKY-DX7OwQt21rDFHBA_iHzmz-JXBDNH1BP1GRaF_SEvGPQkR27WImJJvZ2M9kWZpKXTe5Rl7vtta4Qqj3Uyrq6TDkW4yJihmPS-aQv6M1lvWrZkeP8Acd8pC3wdZ2hEjOHCMOYYJOHqXdyLUDgd1LvE6hTORVaVqtsteIwstjJtoMIMoJA5l4pfKGk5OLy8STshEX26Nbc_kJxcwbmpfSzGp_LPYje1NmTo5tmjwXvYRfQ6fnXG3uEwLhiMJLkUhnAiy4SR6YrXGU5QXirlFO3WPOlXOQlvU0uJg4NpND5TBdnAkysXOZSnzTmMD51r9hFdivpywjKmPialqB3TioRzz3lVx5hNiYVI_hkoShaQZD6fgO7NQU3xS5meohy3inJe_RPvBIZI3PafbRXp04TzVhkUW0eYtvu-FZxYQMvhDPwNRoIhuzV3seXfRAaxCabx4qGZjbkuIE4bCyfu2xP3b_SpdwjWhARBgBFpz4zQKJSWkCUQDa1cqeI9xZ0htL7oaSfmmjBKfHABzvnKo5ccHG42YFzYB2PnlpnLM6jbMV--NL5qEAEKBRjkk3Zx2jE55YG45QgYGNrlO6tmy9mc4vqqgqHpTVhocUYAOkUOgvoSMF4dRepMq15tvaARGVWdKWyRb9vhbwFY","67e2632e1f3f6/bd003step3.svg",1627,"\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=\"M13.3518 11.792C14.7238 12.128 15.4098 12.9307 15.4098 14.2C15.4098 14.8347 15.2558 15.376 14.9478 15.824C14.6492 16.272 14.1965 16.6173 13.5898 16.86C12.9925 17.0933 12.2598 17.21 11.3918 17.21C10.6918 17.21 10.0105 17.1307 9.34784 16.972C9.34784 16.804 9.36184 16.622 9.38984 16.426C9.41784 16.23 9.4505 16.0573 9.48784 15.908C9.7585 15.9733 10.0572 16.0293 10.3838 16.076C10.7105 16.1133 11.0185 16.132 11.3078 16.132C12.2692 16.132 12.9832 15.9733 13.4498 15.656C13.9258 15.3293 14.1638 14.8393 14.1638 14.186C14.1638 13.57 13.9445 13.1173 13.5058 12.828C13.0672 12.5293 12.3765 12.38 11.4338 12.38H10.2718V11.316H11.3498C12.1525 11.316 12.7732 11.1667 13.2118 10.868C13.6598 10.56 13.8838 10.1167 13.8838 9.538C13.8838 9.04333 13.6972 8.64667 13.3238 8.348C12.9505 8.04 12.3858 7.886 11.6298 7.886C11.2565 7.886 10.8832 7.928 10.5098 8.012C10.1458 8.08667 9.79584 8.194 9.45984 8.334C9.45984 8.194 9.46917 8.02133 9.48784 7.816C9.5065 7.61067 9.52984 7.41933 9.55784 7.242C9.8565 7.102 10.1925 6.99467 10.5658 6.92C10.9485 6.84533 11.3452 6.808 11.7558 6.808C12.4652 6.808 13.0672 6.91533 13.5618 7.13C14.0565 7.33533 14.4298 7.62933 14.6818 8.012C14.9338 8.38533 15.0598 8.824 15.0598 9.328C15.0598 9.90667 14.9012 10.4107 14.5838 10.84C14.2665 11.2693 13.8558 11.5867 13.3518 11.792Z\"/>\n\u003C/svg>\n","\u003Cp>Welche Unterlagen benötigt man für einen Kredit in Österreich?\u003C/p>\u003Cul>\u003Cli>amtlicher Lichtbildausweis\u003C/li>\u003Cli>aktuelle Gehaltsnachweise oder Einkommensnachweise\u003C/li>\u003Cli>Kontoauszüge der letzten Monate\u003C/li>\u003Cli>Nachweise über bestehende Kredite oder Verpflichtungen\u003C/li>\u003C/ul>\u003Cp>\u003Cbr>\u003Cstrong>Gut zu wissen:\u003C/strong> Der \u003Ca href=\"/digitaler-kontoblick\">digitale Kontoblick\u003C/a> der Santander Bank ist besonders praktisch. Bei Ihrer Kreditanfrage müssen Sie keine Kontoauszüge mehr hochladen und kommen noch schneller zu Ihrem Wunschkredit.\u003C/p>","\u003Ch3 class=\"h4\">Dokumente vorbereiten\u003C/h3>",{"icon":232,"text":240,"label":241,"__typename":67},{"label":233,"file":234,"__typename":65},"Circle 4",{"mimeType":58,"directDownloadUrl":235,"downloadUrl":236,"filename":237,"size":238,"content":239,"__typename":64},"https://website-content-service.santanderconsumer.at/storage/67e2633f17dc2/bd004step4.svg","https://website-content-service.santanderconsumer.at/media/download/67e2633f17dc2/bd004step4.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODE1MzQ2ODMsImV4cCI6MTc4MTUzODI4MywiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY3ZTI2MzNmMTdkYzIvYmQwMDRzdGVwNC5zdmcifQ.RN2Kbhg1JsM_ppCO4xZq5LANUmwZTT0VIYV1UcmppoJs8MmxBx33hNfofOsgRTTwlbut950QjW192T2kGdIoF4r5KJyIDSCgDdlOc7_FfMVjTo11ofsk-fLKlFaWCV87Z2g5QA51qvjM_X774v_ORIOCdKyaUSHtTdLUauZxIofM3AT_8ds_WPD9WKfiy_qtAYSBVeY6UaPy7h_N3D4Is2GFfIGhkazlMqY4VOb1PEx63_a2RcSG1wilNnHEiHc1HfDW45_X1Pgki71sxcgvJALtOl0YBcewmzkTHHyauceyIdZEpdHDSM9jK2a6xHjj1ZkgeeNph968fRX-chX71giepfXn_iqrk5he66FIb9SH2rmqqFfUQVY0lafBzwOrzyPqCkloQ8W3AolRjKc3SeoKlGM3XchM_Zo40M5Fs6T6Nic-xroMrxPPMOZSUx61h9MOVyTDZ2jQJ3dclPehV0oCfAicHC0dfoei5ntK9mdaSllQ1Jq7YnWUjfStQZBIyAUirKw4ahMqZLPOoCdrYCEoC9s7uwgISCz-Sd4Gpo6JFHyzddRrQoDpT_4uIfP-sSBOGCR_UYIjkSIw6a1fY3LJh8Bm8IZlzoCuhA56ZGnzge0aL8xcHSIBCG7fW8AgSyg4SXtyt4EtlfSm6X2CkwhXAIPtLIOl-f6ktYwClSg","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>Den Kreditantrag können Sie bei Santander \u003Ca href=\"/kredit\">online\u003C/a> oder in einer Filiale ausfüllen. Dabei geben Sie persönliche Daten, Informationen zu Ihrem Einkommen und zur gewünschten Kreditsumme an.\u003C/p>","\u003Ch3 class=\"h4\">Kreditantrag stellen\u003C/h3>",{"icon":243,"text":251,"label":252,"__typename":67},{"label":244,"file":245,"__typename":65},"Circle 5",{"mimeType":58,"directDownloadUrl":246,"downloadUrl":247,"filename":248,"size":249,"content":250,"__typename":64},"https://website-content-service.santanderconsumer.at/storage/67ee6299a5225/bd005step5.svg","https://website-content-service.santanderconsumer.at/media/download/67ee6299a5225/bd005step5.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODE1MzQ2ODMsImV4cCI6MTc4MTUzODI4MywiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY3ZWU2Mjk5YTUyMjUvYmQwMDVzdGVwNS5zdmcifQ.ss7dleWkDcMXyuhZ-yOgNjFMcgfuUYPpPDMTUUzpA_6THl5dxGSLIJ7gIYq-aX1lOD2DdyAOCpgPLQZ9u9SIvAOW_76mKLny1QrsUFxFhPtmuACr6-Z5sW1sXxX3kOaWrwfzRMLzimSGlOj0_PmQboNXoKXD7g0kOjfShV2BOgAGNXRjazUwh98b85s87gO-PNOU82o-FRVeWCxbdx6W33TEk7Jwr__Vwc_e6dsj5G2PhwKYv0j2qRAXY6WEYSYWwPePDY7-YqoXnPUJdmJVY4xMi4htVY8Q1Dt72t1HsxN86MhZFZgqDKzZ1rlBX3QB1rA15A8GZVSZEyPYeTqTCQeUbrHens0fBXPTyskWuGuZVntsrw8yFZdqLSYtNT_OM-7s40TnOSrlyKXubF92oqGgZ2VqiF9SzmTU4KqOgfX5D5OG4dmDhm_p_pFkhS-8mN-mHkZIVLbqbCoKRhugUKBz1xUGcjdzGcpFyRs5X5-Ux3zv0Y8SvktkcYu5B13Ar0H8eXSsZqfqH4GLw8vFxmql7LQbFEjmg58GNsvuqCGxw0GmrWH9WUUWEUllYIuVPj4Ji1HYz8BuaoRSFgWWU7KqZ0JQVqmhHcVeJItFHL3lXc8K3iuPTdzy87vfGfWTOwJhoaksr7S37GjVL14RN2IBQ_uiVCOVYHQMgUXXjgo","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>Die Bank prüft die Kreditvoraussetzungen und erstellt bei positiver Entscheidung ein Kreditangebot mit Zinssatz, Laufzeit und monatlicher Rate. Nach Vertragsunterzeichnung wird der Kreditbetrag in der Regel auf das angegebene Konto überwiesen.\u003C/p>","\u003Ch3 class=\"h4\">Kreditentscheidung und Vertragsabschluss\u003C/h3>","69dca33dc4298",{"__typename":11,"text":255,"textOverlay":13,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":256,"anchorTitle":256},"\u003Ch2>Welche Voraussetzungen gelten für verschiedene Kreditarten?\u003C/h2>\u003Cp>Die Voraussetzungen für einen Kredit unterscheiden sich je nach Kreditart. Kreditinstitute prüfen abhängig vom Verwendungszweck unterschiedliche Faktoren und bewerten das Risiko entsprechend.\u003C/p>\u003Ch3 class=\"h4\">Die folgende Tabelle zeigt typische Anforderungen verschiedener Kreditarten\u003C/h3>","ub6",{"__typename":36,"text":258,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":259,"anchorTitle":259},"\u003Cfigure class=\"table ins striped fix\">\n    \u003Ctable class=\"blue w700\">\n        \u003Cthead>\n            \u003Ctr class=\"lvl2\">\n                \u003Cth id=\"ka\" scope=\"col\">\n                    \u003Cstrong>Kreditart\u003C/strong>\n                \u003C/th>\n                \u003Cth id=\"tm\">\n                    \u003Cstrong>Typische Merkmale\u003C/strong>\n                \u003C/th>\n                \u003Cth id=\"wv\">\n                    \u003Cstrong>Wichtige Voraus­setzungen\u003C/strong>\n                \u003C/th>\n            \u003C/tr>\n        \u003Ctbody>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"ka\">\n                    Konsumkredit\n                \u003C/td>\n                \u003Ctd headers=\"tm\"> \n                    freie Verwendung, meist kleinere Beträge, schnelle Bearbeitung\n                \u003C/td>\n                \u003Ctd headers=\"wv\"> \n                    ausreichendes Einkommen, positive Bonität\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"ka\">\n                    Autokredit\n                \u003C/td>\n                \u003Ctd headers=\"tm\"> \n                    häufig zweck­gebunden, Fahrzeug dient teilweise als Sicherheit\n                \u003C/td>\n                \u003Ctd headers=\"wv\"> \n                    Einkommen, Bonitäts­prüfung, Fahrzeugwert\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"ka\">\n                    Umschuldung\n                \u003C/td>\n                \u003Ctd headers=\"tm\"> \n                    Zusammen­legung mehrerer Kredite\n                \u003C/td>\n                \u003Ctd headers=\"wv\"> \n                    ausreichendes Einkommen, Überblick über bestehende Kredit­verpflich­tungen\n                \u003C/td>\n            \u003C/tr>\n        \u003C/tbody>\n    \u003C/table>\n\u003C/figure>","69d8cdd1e4422",{"__typename":11,"text":261,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":262,"anchorTitle":262},"\u003Ch2>Kredit abgelehnt – was tun?\u003C/h2>\u003Cp>Eine Kreditablehnung heißt nicht, dass eine Finanzierung grundsätzlich unmöglich ist. Sehen Sie sich die Gründe für die Ablehnung genau an und korrigieren Sie, was sich verbessern lässt.\u003C/p>\u003Ch3 class=\"h4\">Häufige Gründe im Überblick\u003C/h3>\u003Cul>\u003Cli>ein zu geringes oder unregelmäßiges Einkommen\u003C/li>\u003Cli>hohe monatliche Fixkosten oder bereits bestehende Kreditverpflichtungen\u003C/li>\u003Cli>negative Einträge bei Auskunfteien wie KSV oder CRIF\u003C/li>\u003Cli>unvollständige oder widersprüchliche Angaben im Antrag\u003C/li>\u003C/ul>\u003Ch3 class=\"h4\">So erhöhen Sie Ihre Chancen auf einen Kredit\u003C/h3>\u003Cp>Schätzen Sie Ihre finanzielle Situation realistisch ein und bereiten Sie den Antrag sorgfältig vor – so erhöhen Sie Ihre Chancen auf eine Kreditzusage deutlich:\u003C/p>\u003Cul>\u003Cli>\u003Cstrong>Haushaltsbudget optimieren:\u003C/strong> Prüfen Sie laufende Ausgaben und reduzieren Sie vermeidbare Kosten.\u003C/li>\u003Cli>\u003Cstrong>Kreditsumme anpassen:\u003C/strong> Eine niedrigere Summe verbessert die Tragbarkeit.\u003C/li>\u003Cli>\u003Cstrong>Laufzeit verlängern:\u003C/strong> Eine längere Laufzeit senkt die monatliche Rate (auch wenn dadurch insgesamt höhere Zinskosten entstehen können).\u003C/li>\u003Cli>\u003Cstrong>Bonität prüfen:\u003C/strong> Fordern Sie eine Selbstauskunft bei KSV oder CRIF an und lassen Sie fehlerhafte Einträge korrigieren.\u003C/li>\u003Cli>\u003Cstrong>Unterlagen vollständig einreichen:\u003C/strong> Klare und nachvollziehbare Angaben erhöhen die Glaubwürdigkeit.\u003C/li>\u003Cli>\u003Cstrong>Gemeinsame Kreditaufnahme:\u003C/strong> Erhöhen Sie die Sicherheit durch eine weitere Person.\u003C/li>\u003C/ul>","ub7",{"__typename":11,"text":264,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":265,"anchorTitle":265},"\u003Ch2>Sollten Sie einen Kredit gemeinsam aufnehmen?\u003C/h2>\u003Cp>Viele Paare oder Familien nehmen Kredite gemeinsam auf. Zwei Einkommen erhöhen den finanziellen Spielraum, weil Banken beide Einkommen in die Budgetrechnung einbeziehen. Ein gemeinsamer Kredit bringt rechtliche Verpflichtungen mit sich. In diesem Fall sind beide Personen Mitschuldner, das heißt, sie haften in der Regel gesamtschuldnerisch. Die Bank kann somit jede beteiligte Person für die gesamte Kreditsumme in Anspruch nehmen.\u003C/p>\u003Cp>Bevor Sie einen Kredit gemeinsam beantragen, wägen Sie die Vorteile und Risiken genau ab.\u003C/p>","ub8",{"__typename":52,"iconItems":267,"iconAligning":68,"listLayout":15,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":278,"anchorTitle":278},[268],{"icon":269,"text":13,"label":277,"__typename":67},{"label":270,"file":271,"__typename":65},"BD190-checkmark",{"mimeType":58,"directDownloadUrl":272,"downloadUrl":273,"filename":274,"size":275,"content":276,"__typename":64},"https://website-content-service.santanderconsumer.at/storage/69bc1627ed342/bd190checkmarkinacircle2.svg","https://website-content-service.santanderconsumer.at/media/download/69bc1627ed342/bd190checkmarkinacircle2.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODE1MzQ2ODMsImV4cCI6MTc4MTUzODI4MywiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxNjI3ZWQzNDIvYmQxOTBjaGVja21hcmtpbmFjaXJjbGUyLnN2ZyJ9.rSFtlxWGU3LjiLrMdZ6QITTkfIOLUjRyXBpkYi3iYMixF3IutQf944xv6Hh4UEccPUIhDqPzNpj9n2U-gf75x3BoxNmaldi0sLWHMr-wgmBvAwShsH2dKx4Ux4AOxP0VFxoeMkXk6o2zgkdL5KBpZW7plXUmg8EZ3kVe2AAyzZzJLtNjLj1nlxLYBT0YlGwoKrY8dAviduAWWa24BTr516kaEgn4_zNqkJTCr7e0U66L_k6LJs0f0TJEsFB0g61FZCY6sGbPb5iXX_SBWd7Y3jNwvbcqfHQjEBrgIcFZI01zMmjZnykvi5VKxFFbefJ3H-2otOstYHXhGSytyNnxnQWhmQSYMs3hX6BJXhHHIaNov24KDl4a_o8R_iDSB0Io66HNyQlqhbU4VWp2L1F8bo4kzZuIagRvPUKMSZg7XfMwQA-0cVM4plA3pSViEo3oBC5rFYDjbsHA2ggGuEWoWY7RB99i8GH3K8mvlJSpdGeW-b5mc5_lBA_OlOVp0UhDrW-p3zLy5xRaPM9MaP3edhkb4zK5QhPjlXUHxrA09oHdGkj-K_NZqnl1E2r5VUKzJ1OGKecpM7GIETC5db8FsSrv29rfuL3OtCoBbJukJpaIz2FVH3sOAhrLHvQwMderINO3Xly692nPRSd92DNLi-B2XMuA15h3K6M-chA9dOo","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>","\u003Ch3 class=\"h4\">Vorteile im Überblick\u003C/h3>","69dcb073e2322",{"__typename":11,"text":280,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":281,"anchorTitle":281},"\u003Cul>\u003Cli>\u003Cstrong>Höheres Gesamteinkommen:\u003C/strong> Zwei Einkommen stärken die finanzielle Basis. Dadurch wirkt die monatliche Kreditrate im Verhältnis zum verfügbaren Budget oft besser tragbar.\u003C/li>\u003Cli>\u003Cstrong>Verbesserte Bonität:\u003C/strong> Verfügen beide Personen über ein stabiles Einkommen und eine solide Kreditgeschichte, kann sich die Bonitätsbewertung insgesamt verbessern.\u003C/li>\u003Cli>\u003Cstrong>Größerer Finanzierungsspielraum\u003C/strong>: Banken sind häufig eher bereit, höhere Kreditsummen zu bewilligen, wenn mehrere Kreditnehmerinnen und Kreditnehmer beteiligt sind.\u003C/li>\u003C/ul>","69dcb073e2326",{"__typename":52,"iconItems":283,"iconAligning":68,"listLayout":15,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":294,"anchorTitle":294},[284],{"icon":285,"text":13,"label":293,"__typename":67},{"label":286,"file":287,"__typename":65},"BD540-alert",{"mimeType":58,"directDownloadUrl":288,"downloadUrl":289,"filename":290,"size":291,"content":292,"__typename":64},"https://website-content-service.santanderconsumer.at/storage/69bc13ed3f3c5/bd540alert1.svg","https://website-content-service.santanderconsumer.at/media/download/69bc13ed3f3c5/bd540alert1.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODE1MzQ2ODMsImV4cCI6MTc4MTUzODI4MywiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxM2VkM2YzYzUvYmQ1NDBhbGVydDEuc3ZnIn0.cG_F-5Ggb0wAZNoh548OTLDxKG7lSnarJGXFes7s1FsrKx8wBwYT5dFNWqWrweJFMDd9JB60x--InBDqD26bDmZZgReizZ64B3Dt2ktNLuG3yriu5O1V5oHvVB8S1AHGF6tYHfnPG4u8hpItbWNnQvTMfm7mvzK1GCdakqbS7NTJdF981Gv_DydCyPAHxlvvMJUhOTuPNUfoFU2ZA3qXSc-BHsM8p3sCbFjVJreb7dWwb10jONSrSooimt-1DlxBa6bXf2w35FenOeGZy-2_KsgtpBIjpvmkOZShErojzFYvNW6TZ9VYEBn0gLMpw8almjhcfVeSdZolr0z_mrFupwV7wMp77h8k2usZsVOJLB2zUIXwRupopj65P72eEeDM2e1mdL8mBmeTi0TQAP77H8INzj-Qr6SjiX33uYs6-Vt68ZjBXQIXeXjaS3WHmsgHxmwWFGZNEqdJ5sVUgwmiWsCMoZO2b9C8q4UCSjSw9doI5OHf4w3QSLmsDCHqseIj1v-XZF7q63_6kHipRCPtJ9fFFtcgH_SyBjYRwjggdR87KBwrQLCUVc4WgyrpsurwCL8qOlsmZMO0PbneFFHXvA9gcHQ_FgEXplmLWUAlBuhL5qth1Zt0hsYejuEb0SeGPbft2bXvJUSMOuvkxxQBeZ65YFG-Ms9X9SEudY-yYG4","69bc13ed3f3c5/bd540alert1.svg",1805,"\u003C?xml version=\"1.0\" encoding=\"UTF-8\"?>\n\u003Csvg viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http://www.w3.org/2000/svg\" xmlns:xlink=\"http://www.w3.org/1999/xlink\">\n    \u003Ctitle>SVG/BD540-alert\u003C/title>\n    \u003Cg id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\">\n        \u003Cg id=\"B.-Digital,--Tech-&-Docs/d.-Symbols/BD540-alert-|-SYMBOLS,-alert,-alerta,-aviso,-warning,-peligro,-danger,-error\" fill=\"currentColor\" fill-rule=\"nonzero\">\n            \u003Cpath d=\"M9.90837285,3.20626112 C10.8078866,1.64979516 13.0132141,1.59958658 14.0099905,3.0798222 L14.1055465,3.23294814 L21.6731844,18.3794766 C22.5755886,19.9409442 21.5075912,21.882011 19.7444442,21.9948407 L19.5822786,22 L4.4182786,22 C2.6141243,22 1.46565011,20.1048184 2.23660137,18.5468098 L2.31201069,18.4061636 L9.90837285,3.20626112 Z M13.2253728,3.70663142 C12.7067915,2.80930861 11.4465277,2.7665914 10.8573305,3.5784798 L10.7812776,3.69448899 L3.19218435,18.8798469 C2.66970412,19.7839162 3.27652593,20.9061055 4.28958297,20.9944342 L4.4182786,21 L19.5822786,21 C20.6277067,21 21.2966496,19.9141618 20.8541633,18.9703127 L20.7930107,18.8531599 L13.2253728,3.70663142 Z M11.9999786,17 C12.2454385,17 12.449587,17.1768752 12.4919229,17.4101244 L12.4999786,17.5 L12.4999786,18.5 C12.4999786,18.7761424 12.276121,19 11.9999786,19 C11.7545187,19 11.5503702,18.8231248 11.5080343,18.5898756 L11.4999786,18.5 L11.4999786,17.5 C11.4999786,17.2238576 11.7238362,17 11.9999786,17 Z M11.9999786,9.5 C12.2454385,9.5 12.449587,9.67687516 12.4919229,9.91012437 L12.4999786,10 L12.4999786,15 C12.4999786,15.2761424 12.276121,15.5 11.9999786,15.5 C11.7545187,15.5 11.5503702,15.3231248 11.5080343,15.0898756 L11.4999786,15 L11.4999786,10 C11.4999786,9.72385763 11.7238362,9.5 11.9999786,9.5 Z\" id=\"icon-color\">\u003C/path>\n        \u003C/g>\n    \u003C/g>\n\u003C/svg>","\u003Ch3 class=\"h4\">Risiken und Verpflichtungen\u003C/h3>","69dcb073e232a",{"__typename":11,"text":296,"textOverlay":13,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":297,"anchorTitle":297},"\u003Cul>\u003Cli>\u003Cstrong>Haftung für den gesamten Kreditbetrag:\u003C/strong> Jede Person haftet für die vollständige Kreditsumme – unabhängig davon, wie die Rückzahlung intern aufgeteilt wurde.\u003C/li>\u003Cli>\u003Cstrong>Zahlungsausfälle betreffen beide:\u003C/strong> Kann eine Person ihren Anteil nicht mehr leisten, muss die andere Person im Zweifel die gesamte Kreditrate übernehmen.\u003C/li>\u003Cli>\u003Cstrong>Finanzielle Konflikte bei veränderten Lebenssituationen:\u003C/strong> Trennung, Arbeitsplatzverlust oder andere Veränderungen können die gemeinsame Rückzahlung erschweren.\u003C/li>\u003Cli>\u003Cstrong>Auswirkungen auf die Bonität:\u003C/strong> Kommt es zu Zahlungsproblemen, kann sich das negativ auf die Kreditwürdigkeit beider Kreditnehmerinnen und Kreditnehmer auswirken.\u003C/li>\u003C/ul>","69dcb073e232e",{"__typename":118,"buttonItems":299,"buttonsAligning":126,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":302,"anchorTitle":302},[300],{"label":301,"buttonDataAttribute":24,"resolvedUrl":122,"targetBlank":123,"theme":124,"buttonSize":30,"withIcon":123,"iconRef":24,"iconPosition":68,"onlyIcon":123,"outline":123,"buttonTitleAttribute":24,"__typename":125},"Erfahren Sie mehr über die Vorteile unseres JetztSofort Kredits","69dce7c2d2db8",{"__typename":11,"text":304,"textOverlay":13,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":305,"anchorTitle":305},"\u003Ch2>Häufige Fragen zu Kreditvoraussetzungen in Österreich\u003C/h2>","ub10",{"__typename":307,"accordionEntries":308,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":331,"anchorTitle":331},"AccordionBlock",[309,313,316,319,322,325,328],{"label":310,"text":311,"__typename":312},"Kann ich mit einem befristeten Arbeitsvertrag einen Kredit bekommen?","\u003Cp>Ein Kredit ist auch mit einem befristeten Arbeitsvertrag denkbar. Banken achten in solchen Fällen besonders auf die Stabilität des Einkommens und die verbleibende Dauer des Arbeitsvertrags. Je nach Situation können zusätzliche Nachweise erforderlich sein. Manchmal wird auch eine geringere Kreditsumme gewählt, damit die monatliche Belastung besser zum verfügbaren Einkommen passt.\u003C/p>","AccordionItem",{"label":314,"text":315,"__typename":312},"Ist ein Kredit während der Karenz möglich?","\u003Cp>Auch während einer Karenz kann ein Kreditantrag gestellt werden. Entscheidend ist, ob ausreichend Einkommen vorhanden ist, um die monatliche Kreditrate zu tragen. Kreditinstitute berücksichtigen dabei zum Beispiel das Haushaltseinkommen, vorhandene Rücklagen oder das Einkommen eines zweiten Kreditnehmers.\u003C/p>",{"label":317,"text":318,"__typename":312},"Was passiert bei einem negativen KSV-Eintrag?","\u003Cp>Ein negativer Eintrag kann die Kreditvergabe erschweren oder zu einer Ablehnung führen. In manchen Fällen sind jedoch Lösungen möglich, etwa kleinere Kreditsummen oder alternative Sicherheiten.\u003C/p>",{"label":320,"text":321,"__typename":312},"Wie viele Kreditanfragen können problematisch sein?","\u003Cp>Mehrere Anfragen bei Auskunfteien in kurzer Zeit können von Banken als Risikosignal interpretiert werden. Es ist sinnvoll, sich zuerst zu informieren und gezielt einzelne Angebote einzuholen.\u003C/p>",{"label":323,"text":324,"__typename":312},"Wie hoch muss mein Einkommen für einen Kredit sein?","\u003Cp>Ein festes Mindesteinkommen für einen Kredit gibt es in Österreich in der Regel nicht. Entscheidend ist, dass Ihr Einkommen ausreicht, um die monatliche Kreditrate dauerhaft zu bezahlen. Banken prüfen dafür Ihr Haushaltsbudget und vergleichen Einnahmen und laufende Ausgaben.\u003C/p>",{"label":326,"text":327,"__typename":312},"Was ist schneller: Kredit online beantragen oder in der Filiale?","\u003Cp>Ein Online-Kreditantrag geht häufig schneller, da viele Schritte digital erledigt werden können. Unterlagen lassen sich meist direkt hochladen und die Prüfung erfolgt oft automatisiert. Ein Antrag in der Filiale kann dagegen sinnvoll sein, wenn Sie eine persönliche Beratung wünschen oder Fragen zur Finanzierung klären möchten.\u003C/p>",{"label":329,"text":330,"__typename":312},"Wie reduziere ich meine monatlichen Belastungen?","\u003Cp>Es gibt verschiedene Möglichkeiten, die monatliche Kreditrate zu senken. Oft hilft es, die Kreditsumme zu reduzieren oder eine längere Laufzeit zu wählen. Auch eine Umschuldung bestehender Kredite kann sinnvoll sein, um mehrere Raten zusammenzufassen und bessere Konditionen zu erhalten.\u003C/p>","69d8cdd1e4444",{"__typename":11,"text":333,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":334,"anchorTitle":334},"\u003Ch2>Fazit: Gute Vorbereitung erhöht die Kredit-Chancen\u003C/h2>\u003Cp>Ob ein Kredit bewilligt wird, hängt vor allem von Einkommen, Bonität und der finanziellen Gesamtbelastung ab. Eine realistische Planung und vollständige Unterlagen können die Chancen auf eine Zusage deutlich verbessern.\u003C/p>\u003Cp>Wenn Sie sich über Finanzierungsmöglichkeiten informieren möchten, finden Sie hier Informationen zu \u003Ca href=\"/kredit\">Angeboten der Santander Bank\u003C/a>.\u003C/p>","ub11",{"__typename":23,"backgroundImage":24,"content":336,"theme":29,"imagePositionHorizontal":24,"imagePositionVertical":24,"imageMobilePositionHorizontal":24,"imageMobilePositionVertical":24,"mobileBackgroundDisplay":24,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":375,"anchorTitle":375},[337],{"__typename":132,"layout":338,"horizontalAlignment":166,"verticalAlignment":182,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":374,"anchorTitle":374},{"type":339,"left":340,"center":344,"right":360,"centerLeft":24,"centerRight":24,"__typename":165},"union_columns_8_8_8",[341],{"__typename":11,"text":342,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":343,"anchorTitle":343},"\u003Ch2>Noch Fragen?\u003C/h2>\u003Cp>Gerne beantworten wir\u003Cwbr> Ihre individuellen Fragen.\u003C/p>","69329024e3023",[345],{"__typename":346,"buttonItems":347,"buttonsAligning":126,"icon":348,"image":24,"calculatedImageCustomAltText":24,"imageCustomCaptionText":13,"hideOnMobile":123,"hideCaption":123,"lazyload":356,"text":357,"title":358,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":359,"anchorTitle":359,"fullWidthImage":123},"CardBlock",[],{"label":349,"file":350,"__typename":65},"CA120-personal manager (4)",{"mimeType":58,"directDownloadUrl":351,"downloadUrl":352,"filename":353,"size":354,"content":355,"__typename":64},"https://website-content-service.santanderconsumer.at/storage/66a0d66313400/ca120personalmanager4.svg","https://website-content-service.santanderconsumer.at/media/download/66a0d66313400/ca120personalmanager4.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODE1MzQ2ODMsImV4cCI6MTc4MTUzODI4MywiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY2YTBkNjYzMTM0MDAvY2ExMjBwZXJzb25hbG1hbmFnZXI0LnN2ZyJ9.jfJAmq5FglH1TsytqsN9MI2TnlC4-t_W5KxvtkhrREHNM1yGR5jQDfTvqd2h9DD5p9r-XBInZszTnwNNCihgFNVUXMU1znzIbDS-tOzGokdkHYgdfS5lde5KEIznBMuDIuXWnB9LuYM3QQ8cuCGwoR2HzBeaRgrt_yYXIIJRh5h21aPLlmSpydbuceOaFoIKNawq3ufcBOJVSA6pm6CMbZPcypKqfBC0UMIA54FpI36l6xTicdoDEDiQ0GCUKQGVoDGjPHWLteZKCSRnbwI5Jn8W4E679SlAYa0PXMhDD3JY_L2YYGt8ks4rPCqCRZ2f_VjMJeO43gttobmAJSsGoo0oKA4gW9SYuxXjIB-f7QZT_mJun3KBBcczPNVMFzrxo5PEFrO6vER_JX5ExWDllEc_tsA_hsgzaLUvY-9VM2XhZkkQGv4lYNltAL9bj1rfyoYZZ9SEqcWnQ1beY3j6N1jTPA1gEtYu7KJlqeS3tONER6J_ho4vtv04rqb9UaOAeCeuIsqF4IOBMe9eeCWUIvUfvb48seo07-c6aB29WaHxEAlqbvgp8x49VIUHJdy4rv2F6PoF-Jg8hJ9XGuuk05vvPnrreRwTNmkrqqkpA21LEDBQXPP76AK9DJDC9RLUvYEkedLc5yVXKNYRcLLrTnL_717Od1gF_DIUumcfxws","66a0d66313400/ca120personalmanager4.svg",2395,"\u003C?xml 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