[{"data":1,"prerenderedAt":968},["ShallowReactive",2],{"findBlogArticleBySlug_wie-viel-kredit-kann-ich-mir-leisten":3,"getDomainUrl":390,"findMenuEntries":394,"getDomainSettings":939,"svg-019e015e-ba03-741a-b9d4-a50f63ee97cd":25,"_apollo:static":965,"_apollo:public":966,"_apollo:form":967},{"findBlogArticle":4},[5],{"id":6,"slug":7,"title":8,"content":9,"target":357,"metaTags":358,"fallbackSeoTitle":362,"fallbackSeoDescription":363,"fallbackSeoImage":25,"fallbackSeoCanonicalUrl":364,"headerTheme":21,"heroTheme":21,"footerTheme":21,"publishedAt":365,"quickLinksFaq":325,"quickLinksCredit":325,"quickLinksCard":214,"quickLinksOffices":214,"quickLinksContact":325,"quickLinksSavings":214,"quicklinks":366,"teaserImage":367,"teaserText":376,"heroImage":377,"imagePositionVertical":387,"imagePositionHorizontal":388,"__typename":389},"121","wie-viel-kredit-kann-ich-mir-leisten","Wie viel Kredit kann ich mir leisten?",[10,19,23,32,35,79,82,85,91,94,100,103,120,123,129,132,135,186,189,195,198,201,204,208,219,222,228,231,269,275,278,301,304,345,349,354],{"__typename":11,"text":12,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":18,"anchorTitle":18},"TextBlock","\u003Cp>Eine Renovierung, die Ablösung bestehender Verbindlichkeiten oder eine größere Anschaffung, in vielen Situationen hilft ein Kredit, das Vorhaben umzusetzen. Dabei stellt sich oft die Frage „Wie viel Kredit kann ich mir leisten?“ Maßgeblich ist nicht nur, welche Kreditsumme eine Bank gewährt. „Leistbar“ bedeutet vielmehr, dass die monatliche Rate langfristig zu Ihrer finanziellen Situation passt. Der folgende Ratgeber zeigt, wie Sie mit einer Haushaltsrechnung und einem einfachen Stresstest prüfen, wie viel Kredit Sie aufnehmen können. \u003C/p>","","h-default","w-full","small","none","69fc3145b336d",{"__typename":11,"text":20,"textOverlay":13,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":22,"anchorTitle":22},"\u003Cp>\u003Cstrong>Inhaltsverzeichnis:\u003C/strong>\u003C/p>\u003Cul>\u003Cli>\u003Ca href=\"#ub0\">Das Wichtigste in Kürze\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub1\">Wann ist ein Kredit sinnvoll tragbar?\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub2\">Wie viel Kredit bei welchem Nettoeinkommen?\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub3\">Ihre finanzielle Ausgangssituation: Wie viel Spielraum haben Sie?\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub4\">Sicherheitspuffer und Notgroschen einplanen\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub5\">Kreditrate berechnen: Von der Rate zur Kreditsumme\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub6\">Stresstest: Hält Ihre Kreditrate auch unter Druck stand?\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub7\">Häufige Fehler bei der Kreditplanung\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub8\">FAQ: Häufige Fragen zur leistbaren Kreditrate\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub9\">Fazit: Die passende Kreditrate finden\u003C/a>\u003C/li>\u003C/ul>","default","69fc3145b33ee",{"__typename":24,"backgroundImage":25,"content":26,"theme":30,"imagePositionHorizontal":25,"imagePositionVertical":25,"imageMobilePositionHorizontal":25,"imageMobilePositionVertical":25,"mobileBackgroundDisplay":25,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":31,"anchorTitle":31},"ContainerBlock",null,[27],{"__typename":11,"text":28,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":29,"anchorTitle":29},"\u003Ch2>Das Wichtigste in Kürze\u003C/h2>\u003Cul>\u003Cli>Die Kreditrate muss dauerhaft in Ihr monatliches Budget passen.\u003C/li>\u003Cli>Fixkosten und bestehende Verpflichtungen reduzieren den Spielraum deutlich.\u003C/li>\u003Cli>Planen Sie einen Puffer von etwa 20 bis 30 % des frei verfügbaren Monatseinkommens ein.\u003C/li>\u003Cli>Laufzeit und Zinssatz beeinflussen Rate und Gesamtkosten.\u003C/li>\u003Cli>Die Entscheidung der Bank ersetzt nicht Ihre eigene Planung.\u003C/li>\u003C/ul>","69f31f68a5204","light-grey","ub0",{"__typename":11,"text":33,"textOverlay":13,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":34,"anchorTitle":34},"\u003Ch2>Wann ist ein Kredit sinnvoll tragbar?\u003C/h2>\u003Cp>Ein Kredit ist dann sinnvoll tragbar, wenn die monatliche Rate dauerhaft zu Ihrem Budget passt. Auch wenn eine höhere Kreditsumme möglich ist, empfiehlt es sich, nur den Betrag aufzunehmen, der zu Ihrer persönlichen Situation passt. Die Bank prüft Ihre Kreditwürdigkeit und damit, ob Sie einen Kredit aus heutiger Sicht zurückzahlen können.\u003C/p>\u003Ch3 class=\"h4\">Folgende Faktoren werden berücksichtigt\u003C/h3>","ub1",{"__typename":24,"backgroundImage":25,"content":36,"theme":77,"imagePositionHorizontal":25,"imagePositionVertical":25,"imageMobilePositionHorizontal":25,"imageMobilePositionVertical":25,"mobileBackgroundDisplay":25,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":78,"anchorTitle":78},[37],{"__typename":38,"iconItems":39,"iconAligning":74,"listLayout":75,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":76,"anchorTitle":76},"IconListBlock",[40,54,64],{"icon":41,"text":13,"label":52,"__typename":53},{"label":42,"file":43,"__typename":51},"AC440-receive",{"mimeType":44,"directDownloadUrl":45,"downloadUrl":46,"filename":47,"size":48,"content":49,"__typename":50},"image/svg+xml","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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Ausgaben\u003C/h4>",{"icon":65,"text":13,"label":73,"__typename":53},{"label":66,"file":67,"__typename":51},"EA110-home",{"mimeType":44,"directDownloadUrl":68,"downloadUrl":69,"filename":70,"size":71,"content":72,"__typename":50},"https://website-content-service.santanderconsumer.at/storage/69bc12d9ef85a/ea110home.svg","https://website-content-service.santanderconsumer.at/media/download/69bc12d9ef85a/ea110home.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODE1MzQ2ODMsImV4cCI6MTc4MTUzODI4MywiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxMmQ5ZWY4NWEvZWExMTBob21lLnN2ZyJ9.miER3nGkTPP7-S92qos6FUPImX137xQ1PsQTHemDLhvzyA_eX960C8Q0kePDLofX0mxccp7DFakFFRUW9LpwxSfuNJGxFa3sc-AX0xyPAR0y4Mcu7JfBIrOgN3H6TSbr4pW49MHq2EFcZKfQER_wVhhUpZsGq7A-VlXMZ2dQQzWiYV8erOlEq_F4c3sVljvWRZD8bkk9V2OfYdQWOIczywk8b3TQtKzKAtLVQTlUbhGy4XVk72F877Zy2VZS5xTTvJrEPIPtRYvakQqHjsKkbn7ncrLQ83BTkVBL8jEmsikEKl9omjDtQIXDf81ngLQ48BFU7f9gbcEg_VTao1fARvSt4qFqwCR9yqsPDYBA3uB4InghabiIN3kkUZ1CLFhfFOJfSDd42kq8_-u_wBkZG8yuQ7H2MjlxlinOMDg6DX5e_QoKCJ7Y3U27YImh5weNYcDs-WAE6-0yJSqJVBqKQnSp2gJBk42Kl9gdE_NxVzlAkYnl9V3B3nciBCB4Hsf8atiAgpRpBGW63qm-A2nvH_iw2pxN9oWKkIKyvArkQz-RJ9hcimAG0HhJ9heU06XaRWqKB9855QA8WSIrR2hipb8sNHGhD0DMJO_aXWZDjH-ctzyOy0twvyopM72Ax0h2l1-FYiHCEHW8NdVYOa8-YOdmnhZ1yJ4Ffhozaveyhwo","69bc12d9ef85a/ea110home.svg",1626,"\u003C?xml version=\"1.0\" encoding=\"UTF-8\"?>\n\u003Csvg\n  viewBox=\"0 0 24 24\"\n  version=\"1.1\"\n  xmlns=\"http://www.w3.org/2000/svg\"\n  xmlns:xlink=\"http://www.w3.org/1999/xlink\"\n>\n  \u003Ctitle>SVG/EA110-home\u003C/title>\n  \u003Cg\n    id=\"Symbols\"\n    stroke=\"none\"\n    stroke-width=\"1\"\n    fill=\"none\"\n    fill-rule=\"evenodd\"\n  >\n    \u003Cg\n      id=\"E.-Places-&-Transport/a.-Places/EA110-home-|-PLACES,-home,-house,-casa\"\n      fill=\"currentColor\"\n      fill-rule=\"nonzero\"\n    >\n      \u003Cpath\n        d=\"M6.8226765,22 C5.8186765,22 5.0026765,21.184 5.0026765,20.181 L5.00168954,12.1046 L2.9337,15.6826 C2.8407,15.8436 2.6727,15.9326 2.4997,15.9326 C2.4147,15.9326 2.3287,15.9116 2.2497,15.8656 C2.0107,15.7276 1.9287,15.4216 2.0667,15.1826 L8.5277,4.0056 C9.2437,2.7686 10.5757,1.9996 12.0047,1.9996 C13.4347,1.9996 14.7667,2.7696 15.4817,4.0076 L21.9337,15.1826 C22.0717,15.4216 21.9897,15.7266 21.7497,15.8656 C21.5107,16.0016 21.2057,15.9216 21.0667,15.6826 L19.0026895,12.1066 L19.0033851,20.181 C19.0033851,21.184 18.1863851,22 17.1833851,22 L6.8226765,22 Z M12.0047,2.9996 C10.9317,2.9996 9.9307,3.5776 9.3947,4.5056 L6.00168954,10.3746 L6.0026765,20.181 C6.0026765,20.632 6.3706765,21 6.8226765,21 L9.38868954,20.9996 L9.3889,14.636 C9.3889,14.071 9.8489,13.611 10.4139,13.611 L13.5859,13.611 C14.1509,13.611 14.6109,14.071 14.6109,14.636 L14.6106895,20.9996 L17.1833851,21 C17.6353851,21 18.0033851,20.632 18.0033851,20.181 L18.0026895,10.3736 L14.6157,4.5076 C14.0787,3.5776 13.0787,2.9996 12.0047,2.9996 Z M10.4139,14.611 L10.3909,21 L13.6109,21 L13.6109,14.636 L10.4139,14.611 Z\"\n        id=\"icon-color\"\n      >\u003C/path>\n    \u003C/g>\n  \u003C/g>\n\u003C/svg>\n","\u003Ch4 class=\"h5\">Bestehende Verpflichtungen\u003C/h4>","left","w-full md:grid-cols-3","69fafb2e69d84","lisbon","69fc3145b341d",{"__typename":11,"text":80,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":81,"anchorTitle":81},"\u003Cp>Für Sie entscheidend ist, wie viel Darlehen Sie sich im Alltag leisten können. Eine Finanzierung ist dann gut gewählt, wenn Sie die Rate zuverlässig zahlen können und gleichzeitig ausreichend finanzieller Spielraum für unerwartete Ausgaben oder persönliche Wünsche bleibt.\u003C/p>","69fc3145b3433",{"__typename":11,"text":83,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":84,"anchorTitle":84},"\u003Ch2>Wie viel Kredit bei welchem Nettoeinkommen?\u003C/h2>\u003Cp>Ein festes Mindesteinkommen für einen \u003Ca href=\"/kredit\">Kredit\u003C/a> gibt es nicht. Ausschlaggebend ist immer, wie viel Ihnen nach Abzug Ihrer laufenden Kosten tatsächlich zur Verfügung steht.\u003C/p>\u003Cp>💡\u003Cstrong>Grundsätzlich gilt\u003C/strong>: Je höher Ihr Einkommen und je niedriger Ihre Fixkosten, desto größer ist Ihr Spielraum für eine Kreditrate.\u003C/p>\u003Cp>In der Praxis zeigt sich, dass es nicht nur auf das Einkommen, sondern immer auf die individuelle Situation ankommt. Zwei Haushalte mit identischem Einkommen können sich je nach Ausgaben sehr unterschiedliche Kreditsummen leisten.\u003C/p>\u003Cp>Ein alleinstehender Haushalt mit moderatem Einkommen hat oft weniger Spielraum, weil die Fixkosten einen größeren Anteil ausmachen. Bei Paaren verteilt sich die finanzielle Belastung auf mehrere Einkommen, wodurch sich häufig bessere Möglichkeiten ergeben. Familien verfügen zwar teilweise über höhere Gesamteinkommen, haben aber gleichzeitig auch deutlich höhere laufende Ausgaben.\u003C/p>","ub2",{"__typename":24,"backgroundImage":25,"content":86,"theme":30,"imagePositionHorizontal":25,"imagePositionVertical":25,"imageMobilePositionHorizontal":25,"imageMobilePositionVertical":25,"mobileBackgroundDisplay":25,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":90,"anchorTitle":90},[87],{"__typename":11,"text":88,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":89,"anchorTitle":89},"\u003Cp>\u003Cstrong>Gut zu wissen\u003C/strong>\u003C/p>\u003Cp>Viele Banken orientieren sich daran, dass Kreditraten etwa 30 bis 40 % des Nettoeinkommens nicht überschreiten sollten. Entscheidend ist jedoch immer die individuelle Gesamtbelastung.  \u003C/p>","69f31aaf3edfa","69fc3145b343c",{"__typename":11,"text":92,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":93,"anchorTitle":93},"\u003Ch2>Ihre finanzielle Ausgangssituation: Wie viel Spielraum haben Sie?\u003C/h2>\u003Cp>Die Grundlage jeder Kreditentscheidung ist eine realistische Haushaltsrechnung. Sie zeigt, wie viel Geld Ihnen monatlich tatsächlich zur Verfügung steht und wie viel Kredit Sie aufnehmen können.\u003C/p>\u003Ch3>Berücksichtigen Sie dabei alle Einnahmen\u003C/h3>\u003Cp>Neben dem Nettoeinkommen zählen je nach Situation auch regelmäßige Zusatzleistungen wie Überstunden, Provisionen oder Zulagen. In Österreich wird häufig auch das 13. und 14. Gehalt in die Gesamtbetrachtung einbezogen. Weitere Einnahmen wie die Familienbeihilfe können ebenfalls berücksichtigt werden, sollten jedoch eher vorsichtig angesetzt werden. Bedenken Sie, dass Banken einzelne Einkommensbestandteile unterschiedlich bewerten. Variable oder nicht dauerhaft gesicherte Einnahmen werden in der Regel nur teilweise oder gar nicht berücksichtigt.\u003C/p>\u003Cp>Für die Haushaltsrechnung ist es sinnvoll, das 13. und 14. Gehalt nicht vollständig einzurechnen, sondern gezielt als finanzielle Reserve zu nutzen.\u003C/p>\u003Ch3>Auf der Ausgabenseite lohnt sich ein genauer Blick\u003C/h3>\u003Cp>Neben festen Kosten wie Miete, Versicherungen oder Mobilität werden im Alltag oft kleinere Beträge übersehen – etwa für Streaming, Handy oder Freizeit. Gerade diese Ausgaben summieren sich über den Monat hinweg oftmals stärker, als erwartet. Wichtig ist außerdem, bestehende Verpflichtungen vollständig zu berücksichtigen. Dazu zählen laufende Kredite, Leasingverträge, genutzte Kreditkarten oder eine regelmäßige Kontoüberziehung.\u003C/p>\u003Cp>💡\u003Cstrong>Auch hier gilt:\u003C/strong> Banken bewerten Ausgaben sehr genau und berücksichtigen bei der Kreditprüfung alle regelmäßig anfallenden Belastungen. Unterschätzte oder nicht erfasste Kosten können dazu führen, dass die eigene Planung zu optimistisch ausfällt.\u003C/p>","ub3",{"__typename":24,"backgroundImage":25,"content":95,"theme":30,"imagePositionHorizontal":25,"imagePositionVertical":25,"imageMobilePositionHorizontal":25,"imageMobilePositionVertical":25,"mobileBackgroundDisplay":25,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":99,"anchorTitle":99},[96],{"__typename":11,"text":97,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":98,"anchorTitle":98},"\u003Cp>\u003Cstrong>Gut zu wissen\u003C/strong>\u003C/p>\u003Cp>Ein Dispokredit oder Dispositionskredit ist der vereinbarte Überziehungsrahmen auf Ihrem Girokonto. Da dafür keine festen Raten anfallen, wird der Dispokredit oft übersehen. Gleichzeitig entstehen bei der Inanspruchnahme hohe Zinsen, die den finanziellen Spielraum deutlich verringern. Stehen Sie dauerhaft im Minus, lohnt sich unter Umständen die Umschuldung in einen Ratenkredit.\u003C/p>","69fae9dc6a0e2","69fc3145b3452",{"__typename":11,"text":101,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":102,"anchorTitle":102},"\u003Ch3>So sieht ein typisches Haushaltsbudget aus\u003C/h3>\u003Cp>Die folgenden Haushaltsrechnungen zeigen typische Beispiele für einen Singlehaushalt sowie für eine Familie mit einem Kind.\u003C/p>","69fc3145b3462",{"__typename":104,"layout":105,"horizontalAlignment":117,"verticalAlignment":118,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":119,"anchorTitle":119},"LayoutBlock",{"type":106,"left":107,"center":25,"right":112,"centerLeft":25,"centerRight":25,"__typename":116},"union_columns_12_12",[108],{"__typename":109,"text":110,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":111,"anchorTitle":111},"HtmlBlock","\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                    2.900 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"sh\">\n                    Miete\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    - 800 €\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                    Ausgaben für Freizeit etc.\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    - 150 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"sh\">\n                    Rate für bestehenden Kredit\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    - 180 €\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                    2.180 €\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>720 €\u003C/strong>\n                \u003C/td>\n            \u003C/tr> \n        \u003C/tbody>\n    \u003C/table>\n\u003C/figure>","69d4aeda2c46a",[113],{"__typename":109,"text":114,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":115,"anchorTitle":115},"\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                      5.100 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"fk\">\n                    Miete\n                \u003C/td>\n                \u003Ctd headers=\"b\"> \n                    - 1.400 €\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                    - 350 €\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                      4.070 €\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> 1.030 €\u003C/strong>\n                \u003C/td>\n            \u003C/tr> \n        \u003C/tbody>\n    \u003C/table>\n\u003C/figure>","69d4b0534b417","Layout","justify-between","items-stretch","69fc3145b3468",{"__typename":11,"text":121,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":122,"anchorTitle":122},"\u003Cp>Die verbleibenden Beträge zeigen den aktuellen finanziellen Spielraum. Wichtig ist, diesen Betrag nicht vollständig auszuschöpfen, sondern einen Sicherheitspuffer einzuplanen. Ausgehend davon lässt sich eine mögliche Kreditrate ableiten: In diesem Beispiel könnte für den Singlehaushalt eine Rate von bis zu \u003Cstrong>500 € \u003C/strong>leistbar sein. Bei der Familie könnte eine monatliche Rate von bis zu \u003Cstrong>700 €\u003C/strong> möglich sein.\u003C/p>","69fc3145b347d",{"__typename":24,"backgroundImage":25,"content":124,"theme":30,"imagePositionHorizontal":25,"imagePositionVertical":25,"imageMobilePositionHorizontal":25,"imageMobilePositionVertical":25,"mobileBackgroundDisplay":25,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":128,"anchorTitle":128},[125],{"__typename":11,"text":126,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":127,"anchorTitle":127},"\u003Cp>\u003Cstrong>Tipp\u003C/strong>\u003C/p>\u003Cp>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>","69f31f68a525d","69fc3145b3482",{"__typename":11,"text":130,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":131,"anchorTitle":131},"\u003Ch2>Sicherheitspuffer und Notgroschen einplanen\u003C/h2>\u003Cp>Ein finanzieller Puffer gibt Ihnen Sicherheit und sorgt dafür, dass Sie auch ruhig schlafen können, wenn sich Ihre Situation kurzfristig verändert. Unerwartete Ausgaben, steigende Lebenshaltungskosten oder vorübergehende Schwankungen beim Einkommen lassen sich mit einer Reserve deutlich besser abfedern.\u003C/p>\u003Cp>Für die Berechnung Ihrer Kreditrate hilft eine einfache Faustregel: Planen Sie nicht den gesamten verfügbaren Betrag fest ein. Es ist sinnvoll, etwa 20 bis 30 % des frei verfügbaren Einkommens zurückzuhalten, um finanziell flexibel zu bleiben.\u003C/p>\u003Cp>Zusätzlich lohnt es sich, an Rücklagen zu denken. Ein Notgroschen von zwei bis drei Monatsnettoeinkommen bietet eine solide Basis, um größere, ungeplante Ausgaben aufzufangen. Je nach persönlicher Situation – etwa bei unregelmäßigem Einkommen oder mit Familie – kann es sinnvoll sein, diesen Betrag höher anzusetzen.\u003C/p>","ub4",{"__typename":11,"text":133,"textOverlay":13,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":134,"anchorTitle":134},"\u003Ch2>Wie können Sie die Kreditrate berechnen?\u003C/h2>\u003Cp>Nach der Haushaltsrechnung wissen Sie, welche monatliche Rate gut zu Ihrer finanziellen Situation passt. Im nächsten Schritt prüfen Sie, wie viel Kredit Sie sich leisten können.\u003C/p>\u003Ch3 class=\"h4\">Verschiedene Faktoren beeinflussen die Kreditsumme\u003C/h3>","ub5",{"__typename":24,"backgroundImage":25,"content":136,"theme":77,"imagePositionHorizontal":25,"imagePositionVertical":25,"imageMobilePositionHorizontal":25,"imageMobilePositionVertical":25,"mobileBackgroundDisplay":25,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":185,"anchorTitle":185},[137],{"__typename":38,"iconItems":138,"iconAligning":74,"listLayout":183,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":184,"anchorTitle":184},[139,150,161,172],{"icon":140,"text":148,"label":149,"__typename":53},{"label":141,"file":142,"__typename":51},"AB141-payment 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6.63105763,9.03857489 6.9072,9.03857489 Z\" id=\"icon-color\">\u003C/path>\n        \u003C/g>\n    \u003C/g>\n\u003C/svg>","\u003Cp>Er bestimmt, wie hoch die Zinskosten über die gesamte Laufzeit ausfallen.\u003C/p>","\u003Ch4 class=\"h5\">Zinssatz\u003C/h4>",{"icon":173,"text":181,"label":182,"__typename":53},{"label":174,"file":175,"__typename":51},"AC371-add-to-saving",{"mimeType":44,"directDownloadUrl":176,"downloadUrl":177,"filename":178,"size":179,"content":180,"__typename":50},"https://website-content-service.santanderconsumer.at/storage/69bc15a43606c/ac371addtosaving.svg","https://website-content-service.santanderconsumer.at/media/download/69bc15a43606c/ac371addtosaving.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODE1MzQ2ODMsImV4cCI6MTc4MTUzODI4MywiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxNWE0MzYwNmMvYWMzNzFhZGR0b3NhdmluZy5zdmcifQ.H0geHvlUxGue6W42c9S7S12ktspafGRDy-hnuBVxFblZGvgZXhPRqe7As_2WLDg-i0NsQ67EkBB9hOMyt4kyZyCppRhr277Tdxcs2kMaWmhzPbOdwLzlxRN3uermZqbfU-C565TbRG4NUjSnAKijxxzFq6muTD6JBylIT7qEFEF54Y0o6r4OMAYb0CznV6xupjiTr0OWqBNxJ6MZULIMuHQ_G-zxEylgPW8Uqh83j7gqvFjaT30E7RJmfASEy4IYlkZvxe8nVGv2LnRwtf9D5vJ0thfjoaTfEKFlkGsXh7grcmreQ4ycnc0asuyhXdBFxqbcg3EOXC32LvtQIazKee19e_yBYi3kDFHN3f8mofqVZHUaILokRryQcyQN-Gea87eFDkxSlUxAPa1d9QRpe46pkDxh9Cqs07VEKgP-v8xpNVNyK9BRf1GVosQ9_FY6ErQDxexH5N_sMNdOu2ZtK3BnDVp075pdURT7yfiqJNEjwX8ui6wGnXHSNpRlhLNw99k2YBgJI8nRkC5nkAfhBvUGzWwABD0O1ZT_Yff2gzoqW41Zv7u9zl4i75zF76msjLix0TdYm7E-SGuZo0UWr1b-FFow57S-jvJsj2nFTalWxEB-vcwp20y8920asiCght_rSggJ3ZBidk39z9mcTeMjwJFcp3sPvTS7WWJw1k0","69bc15a43606c/ac371addtosaving.svg",1316,"\u003Csvg xmlns=\"http://www.w3.org/2000/svg\" fill=\"currentColor\" viewBox=\"0 0 24 24\">\n  \u003Cpath fill=\"currentColor\" d=\"M10.213 3a.5.5 0 0 1 .492.41l.008.09v2.47h1.11a.5.5 0 0 1 .09.994l-.09.008h-1.61a.5.5 0 0 1-.492-.41l-.008-.09V4.076c-.94.285-1.722 1.349-2.231 2.634a.5.5 0 0 1-.23.257A5.927 5.927 0 0 0 4.46 10.24a.5.5 0 0 1-.382.328l-.09.008H3v2.845h.988a.5.5 0 0 1 .472.335c.812 2.324 2.993 3.942 5.501 4.044l.252.005h4.677c3.37 0 6.11-2.725 6.11-6.075a.5.5 0 1 1 1 0c0 2.953-1.824 5.488-4.41 6.547l.003.028V20.5a.5.5 0 0 1-.992.09l-.008-.09v-1.896a7.085 7.085 0 0 1-1.353.196l-.35.009h-4.677a7.118 7.118 0 0 1-1.704-.206V20.5a.5.5 0 0 1-.992.09l-.008-.09v-2.222A7.063 7.063 0 0 1 3.763 14.7l-.12-.276H2.5a.5.5 0 0 1-.492-.41L2 13.922v-3.847a.5.5 0 0 1 .41-.493l.09-.008h1.142a6.933 6.933 0 0 1 2.979-3.402C7.364 4.388 8.538 3 10.213 3ZM7.399 9.45a.5.5 0 0 0-.992.09v1.096l.008.09a.5.5 0 0 0 .992-.09V9.54L7.4 9.45Z\"/>\n  \u003Cpath fill=\"currentColor\" d=\"M22.002 6.5c0-2.481-2.019-4.5-4.5-4.5a4.505 4.505 0 0 0-4.5 4.5c0 2.481 2.018 4.5 4.5 4.5 2.481 0 4.5-2.019 4.5-4.5Zm-4.5-3.5c1.93 0 3.5 1.57 3.5 3.5s-1.57 3.5-3.5 3.5-3.5-1.57-3.5-3.5 1.57-3.5 3.5-3.5Zm.492 1.41a.5.5 0 0 0-.992.09V6h-1.5l-.09.008a.5.5 0 0 0 .09.992h1.5v1.5l.008.09a.5.5 0 0 0 .992-.09V7h1.5l.09-.008a.5.5 0 0 0-.09-.992h-1.5V4.5l-.008-.09Z\"/>\n\u003C/svg>\n","\u003Cp>Ein Fixzins sorgt für stabile Raten und Planungssicherheit, variable Zinsen können sich verändern.\u003C/p>","\u003Ch4 class=\"h5\">Zinsart\u003C/h4>","w-full md:grid-cols-2","69fafbe3dcd1b","faktoren",{"__typename":11,"text":187,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":188,"anchorTitle":188},"\u003Cp>Die einzelnen Punkte wirken immer zusammen. Deshalb kann die gleiche monatliche Rate abhängig von Laufzeit und Zinssatz zu unterschiedlichen Kreditsummen führen. Für eine realistische Einschätzung lohnt es sich, verschiedene Varianten zu berechnen. \u003C/p>","69fc3145b34ab",{"__typename":24,"backgroundImage":25,"content":190,"theme":30,"imagePositionHorizontal":25,"imagePositionVertical":25,"imageMobilePositionHorizontal":25,"imageMobilePositionVertical":25,"mobileBackgroundDisplay":25,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":194,"anchorTitle":194},[191],{"__typename":11,"text":192,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":193,"anchorTitle":193},"\u003Cp>\u003Cstrong>Tipp\u003C/strong>\u003C/p>\u003Cp>Nutzen Sie den \u003Ca href=\"/kredit\">Kreditrechner der Santander Bank\u003C/a>, vergleichen Sie verschiedene Szenarien und passen Rate und Kreditsumme an Ihre Situation an. \u003C/p>","69f31f68a5276","69fc3145b34b0",{"__typename":11,"text":196,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":197,"anchorTitle":197},"\u003Ch3 class=\"h4\">Die Beispiele zeigen, welche Kreditsummen je nach finanziellem Spielraum und Laufzeit möglich sind:\u003C/h3>\u003Cp>Im Singlehaushalt ergibt sich nach Abzug aller laufenden Kosten und bestehenden Verpflichtungen ein freies Haushaltsbudget für den Kredit von rund \u003Cstrong>720 €\u003C/strong>. Wird davon ein Teil als Sicherheitspuffer zurückbehalten, könnte die monatliche Kreditrate in diesem Beispiel im Bereich von bis zu \u003Cstrong>500 €\u003C/strong> liegen.\u003C/p>","69fc3145b34bf",{"__typename":109,"text":199,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":200,"anchorTitle":200},"\u003Cfigure class=\"table ins striped fix\">\n    \u003Ctable class=\"blue w700\">\n        \u003Cthead>\n            \u003Ctr class=\"lvl2\">\n                \u003Cth id=\"lz\" scope=\"col\">\n                    \u003Cstrong>Laufzeit\u003C/strong>\n                \u003C/th>\n                \u003Cth id=\"ks\">\n                    \u003Cstrong>Kreditsumme (bei einem Zinssatz von 9,99 % p.a.)\u003C/strong>\n                \u003C/th>\n            \u003C/tr>\n        \u003Ctbody>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"lz\">\n                    48 Monate\n                \u003C/td>\n                \u003Ctd headers=\"ks\"> \n                      19.000 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"lz\">\n                    60 Monate\n                \u003C/td>\n                \u003Ctd headers=\"ks\"> \n                      24.000 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"lz\">\n                    72 Monate\n                \u003C/td>\n                \u003Ctd headers=\"ks\"> \n                      27.000 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"lz\">\n                    120 Monate\n                \u003C/td>\n                \u003Ctd headers=\"ks\"> \n                      38.000 €\n                \u003C/td>\n            \u003C/tr>\n        \u003C/tbody>\n    \u003C/table>\n\u003C/figure>","69fc32e74292f",{"__typename":11,"text":202,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":203,"anchorTitle":203},"\u003Cp>Bei einer Familie mit zwei Einkommen und einem Kind verbleiben rund \u003Cstrong>1.030 €\u003C/strong>. Auch hier sollte nicht der gesamte Betrag eingeplant werden. Realistisch betrachtet könnte eine monatliche Rate von rund \u003Cstrong>700 €\u003C/strong> möglich sein, um weiterhin ausreichend finanziellen Spielraum zu behalten.\u003C/p>","69fc32e742936",{"__typename":109,"text":205,"height":14,"width":15,"marginBottom":206,"marginTop":17,"anchorSlug":207,"anchorTitle":207},"\u003Cfigure class=\"table ins striped fix\">\n    \u003Ctable class=\"blue w700\">\n        \u003Cthead>\n            \u003Ctr class=\"lvl2\">\n                \u003Cth id=\"lz\" scope=\"col\">\n                    \u003Cstrong>Laufzeit\u003C/strong>\n                \u003C/th>\n                \u003Cth id=\"ks\">\n                    \u003Cstrong>Kreditsumme (bei einem Zinssatz von 9,99 % p.a.)\u003C/strong>\n                \u003C/th>\n            \u003C/tr>\n        \u003Ctbody>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"lz\">\n                    48 Monate\n                \u003C/td>\n                \u003Ctd headers=\"ks\"> \n                      28.000 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"lz\">\n                    60 Monate\n                \u003C/td>\n                \u003Ctd headers=\"ks\"> \n                      33.000 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"lz\">\n                    72 Monate\n                \u003C/td>\n                \u003Ctd headers=\"ks\"> \n                      38.000 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"lz\">\n                    120 Monate\n                \u003C/td>\n                \u003Ctd headers=\"ks\"> \n                      53.000 €\n                \u003C/td>\n            \u003C/tr>\n        \u003C/tbody>\n    \u003C/table>\n\u003C/figure>","large","69fc32e74293b",{"__typename":209,"buttonItems":210,"buttonsAligning":217,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":218,"anchorTitle":218},"ButtonsBlock",[211],{"label":212,"buttonDataAttribute":25,"resolvedUrl":213,"targetBlank":214,"theme":215,"buttonSize":21,"withIcon":214,"iconRef":25,"iconPosition":74,"onlyIcon":214,"outline":214,"buttonTitleAttribute":25,"__typename":216},"Entdecken Sie die Vorteile unseres JetztSofort Kredits","/kredit",false,"secondary","ButtonBlock","justify-center","69fc55103786a",{"__typename":11,"text":220,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":221,"anchorTitle":221},"\u003Ch2>Stresstest: Hält Ihre Kreditrate auch unter Druck stand?\u003C/h2>\u003Cp>Neben der rechnerischen Planung lohnt sich ein kurzer Stresstest. Er hilft Ihnen einzuschätzen, ob Ihre Finanzierung auch dann stabil bleibt, wenn sich Ihre Situation verändert.\u003C/p>\u003Cp>Denken Sie dabei über typische Alltagssituationen hinaus. Steigen Ihre monatlichen Ausgaben etwa durch Reparaturen, Nachzahlungen oder höhere Lebenshaltungskosten vorübergehend, sollte die Kreditrate weiterhin gut tragbar sein. Auch bei kleineren Einkommensschwankungen sollte genügend Freiraum vorhanden bleiben.\u003C/p>","ub6",{"__typename":24,"backgroundImage":25,"content":223,"theme":30,"imagePositionHorizontal":25,"imagePositionVertical":25,"imageMobilePositionHorizontal":25,"imageMobilePositionVertical":25,"mobileBackgroundDisplay":25,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":227,"anchorTitle":227},[224],{"__typename":11,"text":225,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":226,"anchorTitle":226},"\u003Cp>\u003Cstrong>Tipp\u003C/strong>\u003C/p>\u003Cp>Rechnen Sie gedanklich mit zusätzlichen monatlichen Kosten von etwa 200 bis 300 €. Wenn Ihre finanzielle Situation dadurch schnell angespannt wirkt, ist die geplante Rate wahrscheinlich zu hoch angesetzt.\u003C/p>","69f31f68a5289","69fc32e742945",{"__typename":11,"text":229,"textOverlay":13,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":230,"anchorTitle":230},"\u003Ch2>Häufige Fehler bei der Kreditplanung\u003C/h2>\u003Cp>Probleme entstehen in der Regel, weil Kreditnehmerinnen und Kreditnehmer die eigene finanzielle Situation nicht realistisch einschätzen.\u003C/p>\u003Ch3 class=\"h4\">Typische Fehler im Überblick\u003C/h3>","ub7",{"__typename":24,"backgroundImage":25,"content":232,"theme":77,"imagePositionHorizontal":25,"imagePositionVertical":25,"imageMobilePositionHorizontal":25,"imageMobilePositionVertical":25,"mobileBackgroundDisplay":25,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":268,"anchorTitle":268},[233],{"__typename":38,"iconItems":234,"iconAligning":74,"listLayout":183,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":267,"anchorTitle":267},[235,240,251,256],{"icon":236,"text":238,"label":239,"__typename":53},{"label":42,"file":237,"__typename":51},{"mimeType":44,"directDownloadUrl":45,"downloadUrl":46,"filename":47,"size":48,"content":49,"__typename":50},"\u003Cp>Variable Bestandteile wie Überstunden oder Boni werden als sicher angenommen.\u003C/p>","\u003Ch4 class=\"h5\">Einnahmen zu optimistisch geplant\u003C/h4>",{"icon":241,"text":249,"label":250,"__typename":53},{"label":242,"file":243,"__typename":51},"Ac540guaranteed",{"mimeType":44,"directDownloadUrl":244,"downloadUrl":245,"filename":246,"size":247,"content":248,"__typename":50},"https://website-content-service.santanderconsumer.at/storage/69bc15712f9f4/ac540guaranteed.svg","https://website-content-service.santanderconsumer.at/media/download/69bc15712f9f4/ac540guaranteed.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODE1MzQ2ODMsImV4cCI6MTc4MTUzODI4MywiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxNTcxMmY5ZjQvYWM1NDBndWFyYW50ZWVkLnN2ZyJ9.FMd53XUAtdn_aauamXvm4wZw46QZU0Nv36rE-pf1Bbz51MJeym-bzcOaTkMO4PtmvU8FxkxW0EoTKJKH68eY7kDeTh6V0fckp9q5q747s1NYRiooiiN_KGjQqNc5Gz7DibRwPe-TnZ11C2CIfupeG0Jv-cMGLGRiKqwfvT3KWN5N6qZPbF7w61Tost3q2S7tE8V3nq0zGHUkLTSmXeMFJ4s69bxFjLNnRRe5b9zkHvrBSWDfRuz-mnUSbHzmpIKMdQVl8ODGg_G2b3bq5XP4upzO9zhb7i038LWUaPXrNKsgxXVX58iGaotHARL2bVFhmFkVc2flB8BUuVspHh4__k9CCmQ1SxyoK_gdx0IWcMa2Q-GmsrWgl20ndNHOpBj3t3tXW0fzndNsM4Ow7OGEgRH7ldABrbUvzY2OqM-cRM2ass-iHBTKs21Hv4GOvcSBiv54WUjuFjQT49SycLgj0vm0_yHqHiTw-w30pSnv9T8fmq1_5jd-8NYKNud2WTUq8RO6R3ibpQDS12BJG8ywKlxIHdNG_LMdnTQNRbUP_shlJYBL1LudTxav5MuWCXQLIObD2TjYQwKyx4aOvZl5r5lTXKVtu0xZCqKZNZIEAm0YdIpHanOqhG6BjFoOJS-Hs-fxv-WoyU6zPBsgf6iPUwqXHP3f7HejIcMbEQbt3xk","69bc15712f9f4/ac540guaranteed.svg",1833,"\u003Csvg xmlns=\"http://www.w3.org/2000/svg\" viewBox=\"0 0 103.326 90.228\">\r\n  \u003Cg id=\"AC540-guaranteed\" transform=\"translate(-1.998 -3.971)\">\r\n    \u003Cpath id=\"Pfad_145\" data-name=\"Pfad 145\" d=\"M72.945,40.369a2.443,2.443,0,0,0,2.244-2.628,36.734,36.734,0,1,0-20.8,35.952,2.443,2.443,0,0,0-2.1-4.412A31.747,31.747,0,1,1,70.317,38.125,2.443,2.443,0,0,0,72.945,40.369Z\" transform=\"translate(0 0)\" fill=\"currentColor\"/>\r\n    \u003Cpath id=\"Pfad_146\" data-name=\"Pfad 146\" d=\"M33.429,14.117a2.507,2.507,0,0,0-2.444-2.565H6.551a2.507,2.507,0,0,0-2.443,2.565l.039.461a2.48,2.48,0,0,0,2.4,2.1l3.466,0,.319.882C13.456,25.6,22.1,31.1,31.91,31.1a24.56,24.56,0,0,0,15.483-5.316,2.443,2.443,0,0,0-3.081-3.793,19.68,19.68,0,0,1-12.4,4.223c-7.471,0-13.979-3.9-16.636-9.528l15.712,0A2.507,2.507,0,0,0,33.429,14.117Z\" transform=\"translate(8.791 31.59)\" fill=\"currentColor\"/>\r\n    \u003Cpath id=\"Pfad_147\" data-name=\"Pfad 147\" d=\"M46.957,11.762A24.622,24.622,0,0,0,31.913,6.791c-10.112,0-18.985,5.824-21.852,14.282a2.452,2.452,0,0,0-.117.537l-3.393,0a2.569,2.569,0,0,0,0,5.131H30.985a2.569,2.569,0,0,0,0-5.131l-15.9,0c2.533-5.848,9.175-9.933,16.826-9.933a19.739,19.739,0,0,1,12.058,3.953,2.443,2.443,0,1,0,2.986-3.869Z\" transform=\"translate(8.791 11.754)\" fill=\"currentColor\"/>\r\n    \u003Cpath id=\"Pfad_148\" data-name=\"Pfad 148\" d=\"M45.708,24.806a11.387,11.387,0,0,0-5.993-10.25C31.162,10.2,21.763,16.062,21.763,25.041l0,7.221-4.786,0a2.4,2.4,0,0,0-2.394,2.394V46.034A10.179,10.179,0,0,0,24.756,56.21H42.72A10.178,10.178,0,0,0,52.892,46.034V34.659l-.038-.43A2.4,2.4,0,0,0,50.5,32.265l-4.791,0ZM19.368,37.054H48.1v8.98a5.39,5.39,0,0,1-5.383,5.388H24.756a5.391,5.391,0,0,1-5.388-5.388Zm7.179-4.793,0-7.221c0-5.423,5.641-8.939,11-6.213l.542.315a6.765,6.765,0,0,1,2.829,5.664v7.455Z\" transform=\"translate(52.431 37.988)\" fill=\"currentColor\" fill-rule=\"evenodd\"/>\r\n  \u003C/g>\r\n\u003C/svg>\r\n","\u003Cp>Der gesamte frei verfügbare Betrag wird für die Rate eingeplant.\u003C/p>","\u003Ch4 class=\"h5\">Sicherheitspuffer fehlt\u003C/h4>",{"icon":252,"text":254,"label":255,"__typename":53},{"label":152,"file":253,"__typename":51},{"mimeType":44,"directDownloadUrl":154,"downloadUrl":155,"filename":156,"size":157,"content":158,"__typename":50},"\u003Cp>Eine zu kurze Laufzeit führt zu unnötig hohen Monatsraten.\u003C/p>","\u003Ch4 class=\"h5\">Laufzeiten ungünstig gewählt\u003C/h4>",{"icon":257,"text":265,"label":266,"__typename":53},{"label":258,"file":259,"__typename":51},"BD540-alert",{"mimeType":44,"directDownloadUrl":260,"downloadUrl":261,"filename":262,"size":263,"content":264,"__typename":50},"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>","\u003Cp>Mehrere Kredite, Leasing oder ein Dispo erhöhen die tatsächliche monatliche Belastung.\u003C/p>","\u003Ch4 class=\"h5\">Bestehende Verpflichtungen unterschätzt\u003C/h4>","69fafc2f00060","fehler",{"__typename":24,"backgroundImage":25,"content":270,"theme":30,"imagePositionHorizontal":25,"imagePositionVertical":25,"imageMobilePositionHorizontal":25,"imageMobilePositionVertical":25,"mobileBackgroundDisplay":25,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":274,"anchorTitle":274},[271],{"__typename":11,"text":272,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":273,"anchorTitle":273},"\u003Cp>\u003Cstrong>Gut zu wissen\u003C/strong>\u003C/p>\u003Cp>Im \u003Ca href=\"/online-services\">Online-Banking\u003C/a> der Santander Bank haben Sie einen genauen Überblick über die Details Ihrer Finanzierung(en).\u003C/p>","69f31f68a5298","69fc32e74296c",{"__typename":11,"text":276,"textOverlay":13,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":277,"anchorTitle":277},"\u003Ch2>FAQ: Häufige Fragen zur leistbaren Kreditrate\u003C/h2>","ub8",{"__typename":279,"accordionEntries":280,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":300,"anchorTitle":300},"AccordionBlock",[281,285,288,291,294,297],{"label":282,"text":283,"__typename":284},"Wie viel vom Einkommen sollte für die Kreditrate eingeplant werden?","\u003Cp>In vielen Fällen liegt ein sinnvoller Bereich zwischen 30 und 40 % des Nettoeinkommens. Die genaue Höhe ist von der Lebenssituation abhängig.\u003C/p>","AccordionItem",{"label":286,"text":287,"__typename":284},"Wird das 13. und 14. Gehalt bei der Haushaltsrechnung für einen Kredit berücksichtigt?","\u003Cp>Ja, in Österreich wird es oft einbezogen. Dennoch sollten diese Sonderzahlungen nicht vollständig für die monatliche Planung verwendet werden.\u003C/p>",{"label":289,"text":290,"__typename":284},"Wie wirken sich bestehende Kredite aus?","\u003Cp>Bestehende Verbindlichkeiten reduzieren Ihren finanziellen Spielraum, da die Rate bei der monatlichen Haushaltsrechnung berücksichtigt wird. Eventuell lohnt es sich, mehrere Kredite zusammenzufassen und durch die Umschuldung die Rate zu senken.\u003C/p>",{"label":292,"text":293,"__typename":284},"Was ist für einen Kredit wichtiger – Laufzeit oder Rate?","\u003Cp>Beides hängt zusammen. Eine längere Laufzeit senkt die Rate, erhöht aber die Gesamtkosten. Wichtig ist, dass beide Faktoren zu Ihrer Lebenssituation passen.\u003C/p>",{"label":295,"text":296,"__typename":284},"Wie viel Puffer sollte eingeplant werden?","\u003Cp>Ein gewisser Anteil des Einkommens sollte immer frei bleiben, um unerwartete Ausgaben abzufedern. Ideal ist eine Reserve zwischen 20 und 30 % des frei verfügbaren Monatseinkommens. \u003C/p>",{"label":298,"text":299,"__typename":284},"Was passiert, wenn ich die Kreditrate nicht zahlen kann?","\u003Cp>Nehmen Sie in diesem Fall unbedingt frühzeitig Kontakt mit der Bank auf. Oft lassen sich Lösungen finden, bevor größere Probleme entstehen.\u003C/p>","69fc32e742982",{"__typename":11,"text":302,"textOverlay":13,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":303,"anchorTitle":303},"\u003Ch2>Fazit: Die passende Kreditrate finden\u003C/h2>\u003Cp>Die Frage „Wie viel Kredit kann ich mir leisten“ lässt sich nicht mit einer festen Kreditsumme beantworten. Es kommt immer auf Ihre persönliche Situation, Ihr Einkommen und Ihre Ausgaben an.\u003C/p>\u003Cp>Idealerweise erstellen Sie eine realistische Haushaltsrechnung mit einer ausreichenden Reserve, um eine stabile Finanzierungsgrundlage zu schaffen. Die Santander Bank unterstützt Sie dabei, Ihre finanzielle Situation einzuschätzen und eine passende Finanzierung zu finden. Nutzen Sie den \u003Ca href=\"/kredit\">Kreditrechner der Santander Bank\u003C/a>, um schnell eine erste Einschätzung zu erhalten und Ihre Möglichkeiten zu prüfen.\u003C/p>\u003Cp>Sie profitieren von einer klaren Übersicht über mögliche Raten, Laufzeiten und Gesamtkosten. So treffen Sie fundierte Entscheidungen und passen Ihre Finanzierung an Ihre persönliche Lebenssituation an.\u003C/p>","ub9",{"__typename":24,"backgroundImage":25,"content":305,"theme":30,"imagePositionHorizontal":25,"imagePositionVertical":25,"imageMobilePositionHorizontal":25,"imageMobilePositionVertical":25,"mobileBackgroundDisplay":25,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":344,"anchorTitle":344},[306],{"__typename":104,"layout":307,"horizontalAlignment":117,"verticalAlignment":118,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":343,"anchorTitle":343},{"type":308,"left":309,"center":313,"right":329,"centerLeft":25,"centerRight":25,"__typename":116},"union_columns_8_8_8",[310],{"__typename":11,"text":311,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":312,"anchorTitle":312},"\u003Ch2>Noch Fragen?\u003C/h2>\u003Cp>Gerne beantworten wir\u003Cwbr> Ihre individuellen Fragen.\u003C/p>","69329024e3023",[314],{"__typename":315,"buttonItems":316,"buttonsAligning":217,"icon":317,"image":25,"calculatedImageCustomAltText":25,"imageCustomCaptionText":13,"hideOnMobile":214,"hideCaption":214,"lazyload":325,"text":326,"title":327,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":328,"anchorTitle":328,"fullWidthImage":214},"CardBlock",[],{"label":318,"file":319,"__typename":51},"CA120-personal manager 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