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AI/참고/trafilatura-master/tests/eval/verivox.de.finanzierung.html
LASTA_DEV01\lasta 2e9204243d 참고소스 수정본
2026-05-12 19:40:31 +09:00

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</div>
</li>
<li class="page-navigation-item" data-nav-ga-content-group="d216b1fe b50536ca">
<input type="radio" name="page-navigation-control" id="page-navigation-control2" class="page-navigation-control unstyled">
<label for="page-navigation-close" class="page-navigation-close-label"></label>
<label for="page-navigation-control2" class="page-navigation-label">Gas</label>
<a href="/gas/" class="page-navigation-text i-a-angle-right" data-ga="{action:'Navigation', category:'Gas', label:'Level1-Gas'}">
Gas
</a>
<div class="page-navigation-dropdown">
<label for="page-navigation-close" class="page-navigation-close-icon i-a-close"></label>
<div class="grid-row">
<div class="page-navigation-col">
<span class="page-navigation-area">
Vergleiche
</span>
<a href="/gasvergleich/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Gas', label:'Level2-Gasvergleich'}">
Gasvergleich
</a>
<a href="/oekogas-vergleich/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Gas', label:'Level2-Oekogasvergleich'}">
&#214;kogasvergleich
</a>
</div>
<div class="page-navigation-col">
<span class="page-navigation-area">
Gewerbe
</span>
<a href="/gewerbe-gas/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Gas', label:'Level2-Gewerbegas'}">
Gewerbegas
</a>
<a href="/industriegas/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Gas', label:'Level2-Industriegas'}">
Industriegas
</a>
</div>
<div class="page-navigation-col">
<span class="page-navigation-area">
Services
</span>
<a href="/gas/nachrichten/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Gas', label:'Level2-Gas-Nachrichten'}">
Aktuelle Gas-Nachrichten
</a>
<a href="/gas/ratgeber/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Gas', label:'Level2-Gas-Ratgeber'}">
Ratgeber rund um Gas
</a>
<a href="/gas/themen/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Gas', label:'Level2-Gas-Themen'}">
Themenwelt Gas
</a>
<a href="/gas/faq/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Gas', label:'Level2-Gas-FAQ'}">
Gas FAQ
</a>
</div>
</div>
</div>
</li>
<li class="page-navigation-item" data-nav-ga-content-group="f5956aee 4209a09b">
<input type="radio" name="page-navigation-control" id="page-navigation-control3" class="page-navigation-control unstyled">
<label for="page-navigation-close" class="page-navigation-close-label"></label>
<label for="page-navigation-control3" class="page-navigation-label">DSL</label>
<a href="/internet/" class="page-navigation-text i-a-angle-right" data-ga="{action:'Navigation', category:'DSL', label:'Level1-DSL'}">
DSL
</a>
<div class="page-navigation-dropdown">
<label for="page-navigation-close" class="page-navigation-close-icon i-a-close"></label>
<div class="grid-row">
<div class="page-navigation-col">
<span class="page-navigation-area">
Vergleiche
</span>
<a href="/dsl-vergleich/" class="page-navigation-link" data-ga="{action:'Navigation', category:'DSL', label:'Level2-DSL-Vergleich'}">
DSL-Vergleich
</a>
<a href="/kabel-internet/" class="page-navigation-link" data-ga="{action:'Navigation', category:'DSL', label:'Level2-Kabel-Internet'}">
Kabel-Internet
</a>
<a href="/lte-vergleich/" class="page-navigation-link" data-ga="{action:'Navigation', category:'DSL', label:'Level2-LTE-Vergleich'}">
LTE-Vergleich
</a>
<a href="/tv-vergleich/" class="page-navigation-link" data-ga="{action:'Navigation', category:'DSL', label:'Level2-TV-Vergleich'}">
TV-Vergleich
</a>
<a href="/call-by-call/" class="page-navigation-link" data-ga="{action:'Navigation', category:'DSL', label:'Level2-Call-by-Call-Tarife'}">
Call by Call-Tarife
</a>
</div>
<div class="page-navigation-col">
<span class="page-navigation-area">
Tarif-Deals
</span>
<a href="/internet/dsl-und-kabel-angebote/" class="page-navigation-link" data-ga="{action:'Navigation', category:'DSL', label:'Level2-DSL-und-Kabel-Angebote'}">
DSL- und Kabelangebote
</a>
</div>
<div class="page-navigation-col">
<span class="page-navigation-area">
Gewerbe
</span>
<a href="/dsl/business/" class="page-navigation-link" data-ga="{action:'Navigation', category:'DSL', label:'Level2-Internet-fuer-Geschaeftskunden'}">
Internet f&#252;r Gesch&#228;ftskunden
</a>
</div>
<div class="page-navigation-col">
<span class="page-navigation-area">
Services
</span>
<a href="/internet/nachrichten/" class="page-navigation-link" data-ga="{action:'Navigation', category:'DSL', label:'Level2-Aktuelle-Internet-Nachrichten'}">
Aktuelle Internet-Nachrichten
</a>
<a href="/internet/ratgeber/" class="page-navigation-link" data-ga="{action:'Navigation', category:'DSL', label:'Level2-Ratgeber-rund-uns-Internet'}">
Ratgeber rund ums Internet
</a>
<a href="/internet/themen/" class="page-navigation-link" data-ga="{action:'Navigation', category:'DSL', label:'Level2-Themenwelt-Internet'}">
Themenwelt Internet
</a>
<a href="/internet/faq/" class="page-navigation-link" data-ga="{action:'Navigation', category:'DSL', label:'Level2-Internet-FAQ'}">
Internet FAQ
</a>
</div>
</div>
</div>
</li>
<li class="page-navigation-item" data-nav-ga-content-group="e3aae5cd 0f79ebec">
<input type="radio" name="page-navigation-control" id="page-navigation-control4" class="page-navigation-control unstyled">
<label for="page-navigation-close" class="page-navigation-close-label"></label>
<label for="page-navigation-control4" class="page-navigation-label">Handy</label>
<a href="/handy/" class="page-navigation-text i-a-angle-right" data-ga="{action:'Navigation', category:'Mobilfunk', label:'Level1-Mobilfunk'}">
Handy
</a>
<div class="page-navigation-dropdown">
<label for="page-navigation-close" class="page-navigation-close-icon i-a-close"></label>
<div class="grid-row">
<div class="page-navigation-col">
<span class="page-navigation-area">
Vergleiche
</span>
<a href="/handy-mit-vertrag/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilfunk', label:'Level2-Handy-mit-Vertrag'}">
Handy mit Vertrag
</a>
<a href="/allnet-flatrate/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilfunk', label:'Level2-Allnet-Flat-Tarife'}">
Allnet-Flat-Tarife
</a>
<a href="/tablet-mit-vertrag/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilfunk', label:'Level2-Tablet-mit-Vertrag'}">
Tablet mit Vertrag
</a>
<a href="/mobiles-internet/datentarife/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilfunk', label:'Level2-Datentarife'}">
Datentarife
</a>
<a href="/prepaid-handy/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilfunk', label:'Level2-Prepaid'}">
Prepaid
</a>
<a href="/handytarife/studenten/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilfunk', label:'Level2-Junge-Leute-Tarife'}">
Junge Leute Tarife
</a>
<a href="/handyversicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilfunk', label:'Level2-Handyversicherung'}">
Handyversicherung
</a>
</div>
<div class="page-navigation-col">
<a href="/smartphone/" class="page-navigation-area i-a-angle-right" data-ga="{action:'Navigation', category:'Mobilfunk', label:'Level2-Smartphone'}">
Top Smartphones
</a>
<a href="/handy/samsung_galaxy-s20/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilfunk', label:'Level2-Samsung-Galaxy-S20'}">
Samsung Galaxy S20
</a>
<a href="/handy/samsung_galaxy-s20-plus/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilfunk', label:'Level2-Samsung-Galaxy-S20plus'}">
Samsung Galaxy S20+
</a>
<a href="/handy/samsung_galaxy-s20-ultra-5g/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilfunk', label:'Level2-Samsung-Galaxy-S20-Ultra-5G'}">
Samsung Galaxy S20 Ultra 5G
</a>
<a href="/handy/apple_iphone-se-2020/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilfunk', label:'Level2-Apple-iPhone-SE-2020'}">
Apple iPhone SE (2020)
</a>
<a href="/handy/apple_iphone-11/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilfunk', label:'Level2-Apple-iPhone-11'}">
Apple iPhone 11
</a>
<a href="/handy/apple_iphone-11-pro/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilfunk', label:'Level2-Apple_iPhone-11-Pro'}">
Apple iPhone 11 Pro
</a>
<a href="/handy/huawei_p30-pro/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilfunk', label:'Level2-Huawei-P30-Pro'}">
Huawei P30 Pro
</a>
</div>
<div class="page-navigation-col">
<span class="page-navigation-area">
Gewerbe
</span>
<a href="/handytarife/business/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilfunk', label:'Level2-Geschaeftskundentarife'}">
Gesch&#228;ftskundentarife
</a>
</div>
<div class="page-navigation-col">
<span class="page-navigation-area">
Services
</span>
<a href="/handyvertrag-kuendigen/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilfunk', label:'Level2-Handyvertrag-kuendigen'}">
Handyvertrag k&#252;ndigen
</a>
<a href="/nachrichten/handy/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilfunk', label:'Level2-Aktuelle-Handy-Nachrichten'}">
Aktuelle Handy-Nachrichten
</a>
<a href="/ratgeber/handy/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilfunk', label:'Level2-Ratgeber-rund-ums-Handy'}">
Ratgeber rund ums Handy
</a>
<a href="/themen/handy/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilfunk', label:'Level2-Themenwelt-Handy'}">
Themenwelt Handy
</a>
<a href="/hilfe-center/handy/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilfunk', label:'Level2-Handy-FAQ'}">
Handy FAQ
</a>
</div>
</div>
</div>
</li>
<li class="page-navigation-item" data-nav-ga-content-group="e0822bc7">
<input type="radio" name="page-navigation-control" id="page-navigation-control5" class="page-navigation-control unstyled">
<label for="page-navigation-close" class="page-navigation-close-label"></label>
<label for="page-navigation-control5" class="page-navigation-label">Versicherungen</label>
<a href="/versicherungen/" class="page-navigation-text i-a-angle-right" data-ga="{action:'Navigation', category:'Versicherungen', label:'Level1-Versicherungen'}">
Versicherungen
</a>
<div class="page-navigation-dropdown">
<label for="page-navigation-close" class="page-navigation-close-icon i-a-close"></label>
<div class="grid-row">
<div class="page-navigation-col">
<a href="/haftpflichtversicherung/" class="page-navigation-area i-a-angle-right" data-ga="{action:'Navigation', category:'Versicherungen', label:'Level2-Kfz-Haftpflicht'}">
Auto &amp; Haftpflicht
</a>
<a href="/kfz-versicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherungen', label:'Level2-Kfz-Versicherung'}">
Kfz-Versicherung
</a>
<a href="/kfz-versicherung/vollkaskoversicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherung', label:'Level2-Vollkaskoversicherung'}">
- Vollkaskoversicherung
</a>
<a href="/kfz-versicherung/teilkaskoversicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherung', label:'Level2-Teilkaskoversicherung'}">
- Teilkaskoversicherung
</a>
<a href="/motorradversicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherungen', label:'Level2-Motorradversicherung'}">
Motorradversicherung
</a>
<a href="/elektromobilitaet/e-scooter/versicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherung', label:'Level2-E-Scooter-Versicherung'}">
E-Scooter Versicherung
</a>
<a href="/privathaftpflicht/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherungen', label:'Level2-Privathaftpflicht'}">
Privathaftpflicht
</a>
<a href="/tierhalterhaftpflicht/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherungen', label:'Level2-Tierhaftpflicht'}">
Tierhalterhaftpflicht
</a>
</div>
<div class="page-navigation-col">
<a href="/haus-recht/" class="page-navigation-area i-a-angle-right" data-ga="{action:'Navigation', category:'Versicherung', label:'Level2-Haus-und-Recht'}">
Haus, Recht &amp; Reise
</a>
<a href="/hausratversicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherungen', label:'Level2-Hausratversicherung'}">
Hausratversicherung
</a>
<a href="/wohngebaeudeversicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherungen', label:'Level2-Wohngebaeudeversicherung'}">
Wohngeb&#228;udeversicherung
</a>
<a href="/rechtsschutzversicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherugen', label:'Level2-Rechtsschutzversicherung'}">
Rechtsschutzversicherung
</a>
<a href="/gewerbeversicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherungen', label:'Level2-Gewerbeversicherung'}">
Gewerbeversicherung
</a>
<a href="/reiseversicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherungen', label:'Level2-Reiseversicherung'}">
Reiseversicherung
</a>
</div>
<div class="page-navigation-col">
<a href="/altersvorsorge/" class="page-navigation-area i-a-angle-right" data-ga="{action:'Navigation', category:'Versicherungen', label:'Level2-Gesundheit-und-Vorsorge'}">
Gesundheit &amp; Vorsorge
</a>
<a href="/gesetzliche-krankenversicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherungen', label:'Level2-Gesetzliche-Krankenversicherung'}">
Gesetzliche Krankenversicherung
</a>
<a href="/private-krankenversicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherungen', label:'Level2-Private-Krankenversicherung'}">
Private Krankenversicherung
</a>
<a href="/zahnzusatzversicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherungen', label:'Level2-Zahnzusatzversicherung'}">
Zahnzusatzversicherung
</a>
<a href="/krankenzusatzversicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherungen', label:'Level2-Krankenzusatzversicherung'}">
Krankenzusatzversicherung
</a>
<a href="/pflegezusatzversicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherungen', label:'Level2-Pflegezusatzversicherung'}">
Pflegezusatzversicherung
</a>
<a href="/risikolebensversicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherung', label:'Level2-Risikolebensversicherung'}">
Risikolebensversicherung
</a>
<a href="/lebensversicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherung', label:'Level2-Lebensversicherung'}">
Lebensversicherung
</a>
<a href="/berufsunfaehigkeitsversicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherung', label:'Level2-Berufsunfaehigkeitsversicherung'}">
Berufsunf&#228;higkeitsversicherung
</a>
<a href="/unfallversicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherung', label:'Level2-Unfallversicherung'}">
Unfallversicherung
</a>
<a href="/rentenversicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherungen', label:'Level2-Rentenversicherung'}">
Rentenversicherung
</a>
</div>
<div class="page-navigation-col">
<span class="page-navigation-area">
Services
</span>
<a href="/versicherungen/nachrichten/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherungen', label:'Level2-Aktuelle-Versicherungs-Nachrichten'}">
Aktuelle Versicherungs-Nachrichten
</a>
<a href="/versicherungen/ratgeber/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherungen', label:'Level2-Ratgeber-rund-um-Versicherungen'}">
Ratgeber rund um Versicherungen
</a>
<a href="/versicherungen/themen/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherungen', label:'Level2-Themenwelt-Versicherungen'}">
Themenwelt Versicherungen
</a>
<a href="/versicherungen/faq/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Versicherungen', label:'Level2-Versicherungs-FAQ'}">
Versicherungs-FAQ
</a>
</div>
</div>
</div>
</li>
<li class="page-navigation-item" data-nav-ga-content-group="e925e687">
<input type="radio" name="page-navigation-control" id="page-navigation-control6" class="page-navigation-control unstyled">
<label for="page-navigation-close" class="page-navigation-close-label"></label>
<label for="page-navigation-control6" class="page-navigation-label">Finanzen</label>
<a href="/finanzen/" class="page-navigation-text i-a-angle-right" data-ga="{action:'Navigation', category:'Finanzen', label:'Level1-Finanzen'}">
Finanzen
</a>
<div class="page-navigation-dropdown">
<label for="page-navigation-close" class="page-navigation-close-icon i-a-close"></label>
<div class="grid-row">
<div class="page-navigation-col">
<a href="/kredit/" class="page-navigation-area i-a-angle-right" data-ga="{action:'Navigation', category:'Finanzen', label:'Level2-Kredite'}">
Kredit
</a>
<a href="/ratenkredit/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Finanzen', label:'Level2-Ratenkredit'}">
Ratenkredit
</a>
<a href="/autokredit/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Finanzen', label:'Level2-Autokredit'}">
Autokredit
</a>
<a href="/onlinekredit/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Finanzen', label:'Level2-Onlinekredit'}">
Onlinekredit
</a>
<a href="/umschuldung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Finanzen', label:'Level2-Umschuldung'}">
Umschuldung
</a>
<a href="/baufinanzierung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Finanzen', label:'Level2-Baufinanzierung'}">
Baufinanzierung
</a>
</div>
<div class="page-navigation-col">
<a href="/geldanlage/" class="page-navigation-area i-a-angle-right" data-ga="{action:'Navigation', category:'Finanzen', label:'Level2-Geldanlage'}">
Geldanlage &amp; Konto
</a>
<a href="/tagesgeld/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Finanzen', label:'Level2-Tagesgeld'}">
Tagesgeld
</a>
<a href="/festgeld/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Finanzen', label:'Level2-Festgeld'}">
Festgeld
</a>
<a href="/kreditkarte/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Finanzen', label:'Level2-Kreditkarte'}">
Kreditkarte
</a>
<a href="/girokonto/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Finanzen', label:'Level2-Girokonto'}">
Girokonto
</a>
<a href="/robo-advisor/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Finanzen', label:'Level2-Robo-Advisor'}">
Robo-Advisor
</a>
<a href="/depot/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Finanzen', label:'Level2-Depot'}">
Depot
</a>
</div>
<div class="page-navigation-col">
<span class="page-navigation-area">
Gewerbe
</span>
<a href="/kredit/selbstaendige/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Finanzen', label:'Level2-Kredite-fuer-Selbststaendige'}">
Kredit f&#252;r Selbstst&#228;ndige
</a>
<a href="/business-kreditkarte/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Finanzen', label:'Level2-Business-Kreditkarte'}">
Business-Kreditkarte
</a>
<a href="/geschaeftskonto/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Finanzen', label:'Level2-Geschaeftskonto'}">
Gesch&#228;ftskonto
</a>
</div>
<div class="page-navigation-col">
<span class="page-navigation-area">
Services
</span>
<a href="/kreditrechner/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Finanzen', label:'Level2-Kreditrechner'}">
Kreditrechner
</a>
<a href="/apps/outbank/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Finanzen', label:'Level2-Outbank-App'}">
Outbank – die Verivox-Multi-Banking-App
</a>
<a href="/tagesgeld-aktuell/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Finanzen', label:'Level2-Aktuelle-Tagesgeld-Angebote'}">
Aktuelle Tagesgeld-Angebote
</a>
<a href="/finanzen/nachrichten/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Finanzen', label:'Level3-Finanzen-Nachrichten'}">
Aktuelle Finanznachrichten
</a>
<a href="/finanzen/ratgeber/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Finanzen', label:'Level2-Ratgeber-rund-um-Finanzen'}">
Ratgeber rund um Finanzen
</a>
<a href="/finanzen/themen/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Finanzen', label:'Level2-Themenwelt-Finanzen'}">
Themenwelt Finanzen
</a>
<a href="/finanzen/faq/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Finanzen', label:'Level2-Finanzen-FAQ'}">
Finanz-FAQ
</a>
</div>
</div>
</div>
</li>
<li class="page-navigation-item" data-nav-ga-content-group="43e9b5a8">
<input type="radio" name="page-navigation-control" id="page-navigation-control7" class="page-navigation-control unstyled">
<label for="page-navigation-close" class="page-navigation-close-label"></label>
<label for="page-navigation-control7" class="page-navigation-label">Mobilit&#228;t</label>
<a href="/auto/" class="page-navigation-text i-a-angle-right" data-ga="{action:'Navigation', category:'Mobilitaet', label:'Level1-Auto'}">
Mobilit&#228;t
</a>
<div class="page-navigation-dropdown">
<label for="page-navigation-close" class="page-navigation-close-icon i-a-close"></label>
<div class="grid-row">
<div class="page-navigation-col">
<span class="page-navigation-area">
Fahrzeugsuche
</span>
<a href="/auto/gebrauchtwagen/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilitaet', label:'Level2-Gebrauchtwagen'}">
Gebrauchtwagen
</a>
<a href="/mietwagen/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilitaet', label:'Level2-Mietwagen'}">
Mietwagen
</a>
<a href="/motorrad/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilitaet', label:'Level2-Motorrad'}">
Motorrad
</a>
<a href="/e-scooter/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilitaet', label:'Level2-E-Scooter'}">
E-Scooter
</a>
<a href="/auto/regional/autohaendler/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilitaet', label:'Level2-Haendlersuche'}">
H&#228;ndlersuche
</a>
</div>
<div class="page-navigation-col">
<span class="page-navigation-area">
Fahrzeug verkaufen
</span>
<a href="/auto/autohaendler/login/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilitaet', label:'Level2-Haendleranmeldung'}">
H&#228;ndleranmeldung
</a>
</div>
<div class="page-navigation-col">
<span class="page-navigation-area">
Vergleiche
</span>
<a href="/autofinanzierung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilitaet', label:'Level2-Autofinanzierung'}">
Autofinanzierung
</a>
<a href="/kfz-versicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilitaet', label:'Level2-Autoversicherung'}">
Autoversicherung
</a>
<a href="/benzinpreise/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilitaet', label:'Level2-Benzinpreisvergleich'}">
Benzinpreisvergleich
</a>
<a href="/motorradversicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilitaet', label:'Level2-Motorradversicherung'}">
Motorradversicherung
</a>
<a href="/elektromobilitaet/e-scooter/kosten/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilitaet', label:'Level2-E-Scooter-Finanzierung'}">
E-Scooter Finanzierung
</a>
<a href="/elektromobilitaet/e-scooter/versicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilitaet', label:'Level2-E-Scooter-Versicherung'}">
E-Scooter Versicherung
</a>
<a href="/automobilclub-vergleich/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilitaet', label:'Level2-Automobilclub-Vergleich'}">
Automobilclub-Vergleich
</a>
</div>
<div class="page-navigation-col">
<span class="page-navigation-area">
Service
</span>
<a href="/kfz-versicherung/ratgeber/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilitaet', label:'Level2-Ratgeber-rund-um-Kfz-Versicherung'}">
Ratgeber rund um Kfz-Versicherung
</a>
<a href="/kredit/ratgeber/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilitaet', label:'Level2-Ratgeber-rund-um-Kredite'}">
Ratgeber rund um Kredite
</a>
<a href="/kfz-versicherung/themen/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilitaet', label:'Level2-Themenwelt-Kfz-Versicherung'}">
Themenwelt Kfz-Versicherung
</a>
<a href="/kredit/themen/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Mobilitaet', label:'Level2-Themenwelt-Kredit'}">
Themenwelt Kredit
</a>
</div>
</div>
</div>
</li>
<li class="page-navigation-item" data-nav-ga-content-group="64cb497d">
<input type="radio" name="page-navigation-control" id="page-navigation-control8" class="page-navigation-control unstyled">
<label for="page-navigation-close" class="page-navigation-close-label"></label>
<label for="page-navigation-control8" class="page-navigation-label">Immobilien</label>
<a href="/immobilien/" class="page-navigation-text i-a-angle-right" data-ga="{action:'Navigation', category:'Immobilien', label:'Level1-Immobilien'}">
Immobilien
</a>
<div class="page-navigation-dropdown">
<label for="page-navigation-close" class="page-navigation-close-icon i-a-close"></label>
<div class="grid-row">
<div class="page-navigation-col">
<a href="/immobilien/" class="page-navigation-area i-a-angle-right" data-ga="{action:'Navigation', category:'Immobilien', label:'Level2-Immobilien'}">
Immobilien
</a>
<a href="/immobilien/mieten/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Immobilien', label:'Level2-Wohnungen-mieten'}">
Immobilien mieten
</a>
<a href="/immobilien/kaufen/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Immobilien', label:'Level2-Immobilien-kaufen'}">
Immobilien kaufen
</a>
</div>
<div class="page-navigation-col">
<span class="page-navigation-area">
Vergleiche
</span>
<a href="/immobilienfinanzierung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Immobilien', label:'Level2-Immobilienfinanzierung'}">
Immobilienfinanzierung
</a>
<a href="/renovierungskredit/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Immobilien', label:'Level2-Renovierungskredit'}">
Renovierungskredit
</a>
<a href="/umzugskredit/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Immobilien', label:'Level2-Umzugskredit'}">
Umzugskredit
</a>
<a href="/hausratversicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Immobilien', label:'Level2-Hausratversicherung'}">
Hausratversicherung
</a>
<a href="/gebaeudeversicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Immobilien', label:'Level2-Gebaeudeversicherung'}">
Geb&#228;udeversicherung
</a>
<a href="/rechtsschutzversicherung/mietrechtsschutz/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Immobilien', label:'Level2-Mietrechtsschutz'}">
Mietrechtsschutz
</a>
</div>
<div class="page-navigation-col">
<a href="/umzug/" class="page-navigation-area i-a-angle-right" data-ga="{action:'Navigation', category:'Immobilien', label:'Level2-Umzug'}">
Umzug
</a>
<a href="/umzugsunternehmen/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Immobilien', label:'Level2-Umzugsunternehmen'}">
Umzugsunternehmen
</a>
<a href="/umzug/transporter-mieten/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Immobilien', label:'Level2-Umzugstransporter mieten'}">
Umzugstransporter mieten
</a>
</div>
<div class="page-navigation-col">
<span class="page-navigation-area">
Services
</span>
<a href="/baufinanzierung/ratgeber/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Immobilien', label:'Level2-Ratgeber-Baufinanzierung'}">
Ratgeber rund um Baufinanzierung
</a>
<a href="/baufinanzierung/themen/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Immobilien', label:'Level2-Themenwelt-Baufinanzierung'}">
Themenwelt Baufinanzierung
</a>
<a href="/hausratversicherung/themen/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Immobilien', label:'Level2-Themenwelt-Hausratversicherung'}">
Themenwelt Hausratversicherung
</a>
<a href="/smarthome/themen/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Immobilien', label:'Level2-Themenwelt-Smart-Home'}">
Themenwelt Smart Home
</a>
</div>
</div>
</div>
</li>
<li class="page-navigation-item" data-nav-ga-content-group="f53942fe">
<input type="radio" name="page-navigation-control" id="page-navigation-control9" class="page-navigation-control unstyled">
<label for="page-navigation-close" class="page-navigation-close-label"></label>
<label for="page-navigation-control9" class="page-navigation-label">Gewerbe</label>
<a href="/gewerbe/" class="page-navigation-text i-a-angle-right" data-ga="{action:'Navigation', category:'Gewerbe', label:'Level1-Gewerbe'}">
Gewerbe
</a>
<div class="page-navigation-dropdown">
<label for="page-navigation-close" class="page-navigation-close-icon i-a-close"></label>
<div class="grid-row">
<div class="page-navigation-col">
<span class="page-navigation-area">
Strom &amp; Gas
</span>
<a href="/gewerbestrom/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Gewerbe', label:'Level2-Gewerbestrom'}">
Gewerbestrom
</a>
<a href="/industriestrom/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Gewerbe', label:'Level2-Industriestrom'}">
Industriestrom
</a>
<a href="/gewerbe-gas/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Gewerbe', label:'Level2-Gewerbegas'}">
Gewerbegas
</a>
<a href="/industriegas/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Gewerbe', label:'Level2-Industriegas'}">
Industriegas
</a>
</div>
<div class="page-navigation-col">
<span class="page-navigation-area">
Internet &amp; Handy
</span>
<a href="/dsl/business/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Gewerbe', label:'Level2-Internet-fuer-Geschaeftskunden'}">
Internet f&#252;r Gesch&#228;ftskunden
</a>
<a href="/handytarife/business/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Gewerbe', label:'Level2-Handytarife-fuer-Gewerbekunden'}">
Handytarife f&#252;r Gewerbekunden
</a>
</div>
<div class="page-navigation-col">
<span class="page-navigation-area">
Versicherungen
</span>
<a href="/gewerbeversicherung/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Gewerbe', label:'Level2-Gewerbeversicherung'}">
Gewerbeversicherung
</a>
</div>
<div class="page-navigation-col">
<span class="page-navigation-area">
Finanzen
</span>
<a href="/kredit/selbstaendige/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Gewerbe', label:'Level2-Kredite-fuer-Selbstaendige'}">
Kredite f&#252;r Selbst&#228;ndige
</a>
<a href="/business-kreditkarte/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Gewerbe', label:'Level2-Business-Kreditkarte'}">
Business-Kreditkarte
</a>
<a href="/geschaeftskonto/" class="page-navigation-link" data-ga="{action:'Navigation', category:'Gewerbe', label:'Level2-Geschaeftskonto'}">
Gesch&#228;ftskonto
</a>
</div>
</div>
</div>
</li>
</ul>
</nav>
</div>
</div>
</header>
<main class="page-content">
<style scoped type="text/css">
.hero {
background-image: url('https://static.verivox.de/bilder/hero-sea-autokredit-1085-450-720.jpg?updated=1502875305&hash=C7C16BDE384673E4A7F71132D5821D48');
}
@media (min-width: 740px) {
.hero {
background-position: right top;
background-image: url('https://static.verivox.de/bilder/hero-sea-autokredit-1085-980-700.jpg?updated=1502875305&hash=7E35AE84004262A474DDD95666442F38');
}
}
@media (min-width: 980px) {
.hero {
background-position: center top;
background-image: url('https://static.verivox.de/bilder/hero-sea-autokredit-1085-1280-560.jpg?updated=1502875305&hash=BBFD2D653B5A862891A29D25C074032E');
}
}
@media (min-width: 1260px) {
.hero {
background-image: url('https://static.verivox.de/bilder/hero-sea-autokredit-1085-1600-560.jpg?updated=1502875305&hash=1D00366765F06798FA5BC3EAB3975178');
}
}
</style>
<div class="hero hero-landing gradient-background">
<section class="content-holder grid-row">
<header class="hero-sea-header">
<div class="headline-holder">
<h1 class="hero-headline">Leasing oder Finanzierung? Jetzt Angebote berechnen!</h1>
</div>
</header>
<div class="hero-content">
<span class="calculator-seal">
<span class="info-label">
<img src="https://static.verivox.de/assets/images/lazyload-pixel/transparent-1x1-2cd8bde463.png" data-src="https://static.verivox.de/bilder/2017-11-verivox-ngg-info-icon-1451-0-0.png?updated=1510328692&amp;h=193&amp;w=161&amp;la=de-DE&amp;hash=CD402FA5E3DF4D38CC3F8499D08CE22B" class="calc-seal lazyload" alt="Verivox NGG Siegel" title="Verivox NGG Siegel" />
<input type="checkbox" class="hide info-text-flyout-switch unstyled" />
<span class="flyout-body-close"></span>
<span class="info-text-flyout hide">
<label class="text-close">
<span class="icn i-close"></span>
</label>
<span class="info-text"><p><p>Mit der <strong>Nirgendwo-Günstiger-Garantie</strong> von Verivox sind Sie auf der sicheren Seite. Sie haben bei Verivox Ihr Ratenkreditangebot zum besten Zins gefunden. Sollten Sie bei einem Kreditinstitut, auch über einen Kreditvermittler (einschließlich anderer Vergleichsportale), ein Kreditangebot erhalten, das günstiger ist, als das günstigste vergleichbare Kreditangebot bei Verivox, erstatten wir Ihnen die Zinsdifferenz in Form einer Einmalzahlung direkt auf Ihr Konto, wenn Sie den Kredit über Verivox abschließen. Das garantieren wir Ihnen.<br>
<br>
<a href="/nirgendwo-guenstiger-kredit-info/" data-page-url="/nirgendwo-guenstiger-kredit-info/">Mehr erfahren</a></p></p></span>
</span>
</span>
</span>
<form class="calculator-form" action="/ratenkredit/vergleich/" method="GET">
<h2 class="calculator-headline">Autokredit<span class="calculator-close i-close"></span></h2>
<div data-aborted-signup="" data-helper="" class="page-aborted-signup hide">
<h3 class="page-aborted-signup-headline"></h3>
<p class="page-aborted-signup-message"></p>
<div class="page-aborted-signup-info">
<div class="row">
<span class="page-aborted-signup-key"></span>
<span class="page-aborted-signup-value"></span>
</div>
<div class="row">
<span class="page-aborted-signup-key"></span>
<span class="page-aborted-signup-value"></span>
</div>
</div>
<a class="page-button"></a>
<a class="page-button-secondary"></a>
</div>
<div class="page-default-signup">
<div class="input-wrapper">
<input type="tel" maxlength="6" pattern="(([1-9].{2,5})|([5-9][0-9]))" class="float-label-input" placeholder=" " name="kreditbetrag" value="20000" required id="d8d5dd5e-val" data-int data-invalid="Bitte geben Sie Ihren Wunschbetrag in ganzen Zahlen von 50 bis 999.999 € ein." />
<label class="float-label" for="d8d5dd5e-val">Nettokreditbetrag</label>
</div>
<div class="input-wrapper">
<select class="float-label-select" name="kreditlaufzeit" title="Laufzeit" required>
<option value="12">12 Monate</option>
<option value="24">24 Monate</option>
<option value="36">36 Monate</option>
<option value="48">48 Monate</option>
<option value="60">60 Monate</option>
<option value="72">72 Monate</option>
<option selected="selected" value="84">84 Monate</option>
<option value="96">96 Monate</option>
<option value="108">108 Monate</option>
<option value="120">120 Monate</option>
</select>
<label class="float-label icn i-a-angle-down">Kreditlaufzeit</label>
</div>
<div class="input-wrapper">
<select class="float-label-select" name="verwendung" title="Verwendung" required>
<option value="12">Freie Verwendung</option>
<option value="10">Umschuldung / Kreditablösung</option>
<option selected="selected" value="15">Auto / Motorrad</option>
<option value="7">Modernisierung / Renovierung</option>
<option value="13">Ausgleich Girokonto</option>
<option value="14">Gewerbe / Selbstständige</option>
</select>
<label class="float-label icn i-a-angle-down">Verwendung</label>
</div>
<input type="hidden" name="Clickout" value="1" />
<button class="page-button" type="submit" data-ga="{action:'Button Click', category:'Ratenkredit', label:'Schnellrechner'}">Jetzt vergleichen</button>
</div>
</form>
</div>
<ul class="usps">
<li>
Top-Zinsen mit über 35% Ersparnis
<input type="checkbox" id="usp-text-switch" class="hide usp-text-switch unstyled">
<label class="usp-toggle i-a-info" for="usp-text-switch"></label>
<label class="flyout-body-close" for="usp-text-switch"></label>
<div class="usp-flyout-container info-text-flyout">
<label class="text-close" for="usp-text-switch">
<span class="icn i-close"></span>
</label>
<label class="flyout-body-close"></label>
<span class="info-text">
<p><span style="color: black;">Verivox-Kunden sparten 2017 mit einem durchschnittlich 35,7% g&uuml;nstigeren eff. Jahreszinssatz im Durchschnitt &uuml;ber 35% Zinsen im Vergleich zum durchschnittlichen deutschen Kreditnehmer (Jahresmittel eff. Jahreszinssatz 5,77%, errechnet aus den mtl. Durchschnittszinss&auml;tzen f&uuml;r Konsumentenratenkredite deutscher Banken f&uuml;r Neugesch&auml;ft 2017, Quelle: Deutsche Bundesbank Zinsstatistik vom 05.03.18) &nbsp;&nbsp;</span></p>
</span>
</div>
<span class="usp-icon icn i-a-check-bold"></span>
</li>
<li>
Schnelle Zusage und Auszahlung
<span class="usp-icon icn i-a-check-bold"></span>
</li>
<li>
<p>Unverbindlich, kostenlos und Schufa-neutral</p>
<span class="usp-icon icn i-a-check-bold"></span>
</li>
</ul>
<aside class="hero-seals">
<div class="hero-seal">
<img src="https://static.verivox.de/assets/images/lazyload-pixel/transparent-1x1-2cd8bde463.png" data-src="https://static.verivox.de/bilder/201606-tuev-saarland-geprueftes-vergleichsportal-konditionsvergleich-ratenkredit-1040-0-0.png?updated=1567758532&amp;h=120&amp;w=227&amp;la=de-DE&amp;hash=C0C1DE9C173F47B66BDC437EB1110947" class="hero-seal-pic lazyload" alt="TÜV Saarland geprüftes Vergleichsportal Preisvergleich Ratenkredit" title="TÜV Saarland geprüftes Vergleichsportal Preisvergleich Ratenkredit" />
</div>
<div class="hero-seal">
<img src="https://static.verivox.de/assets/images/lazyload-pixel/transparent-1x1-2cd8bde463.png" data-src="https://static.verivox.de/bilder/201804-servicevalue-die-welt-preis-champions-optimiert-1747-0-0.png?updated=1567758376&amp;h=280&amp;w=420&amp;la=de-DE&amp;hash=A89A98519429A5554B3D5A0E166470F0" class="hero-seal-pic lazyload" alt="Siegel_ServiceValue_Die-Welt_Preis-Champions_optimiert" />
</div>
</aside>
<div class="hero-batch">
<label class="badge-label" for="badge-flyout-switch">
<img src="https://static.verivox.de/assets/images/lazyload-pixel/transparent-1x1-2cd8bde463.png" data-src="https://static.verivox.de/bilder/stoerer-0komma0-4932-0-0.png?updated=1579171849" class="lazyload" alt="" />
</label>
</div>
</section>
</div>
<link rel="stylesheet" href="https://static.verivox.de/assets/css/components/ekomi-ratings-77ecf60976.css" media="none" onload="if (media != 'all') media = 'all'">
<section class="content-holder">
<h3 class="ekomi-rating-headline page-centered">Das sagen unsere Kunden</h3>
<div class="ekomi-ratings">
<div class="ekomi-rating-summary">
<a href="https://www.ekomi.de/bewertungen-verivox.html" target="_blank" rel="nofollow">
<img class="ekomi-rating-seal lazyload" src="https://static.verivox.de/assets/images/lazyload-pixel/transparent-1x1-2cd8bde463.png" data-src="https://static.verivox.de/content/images/ekomi/ekomi_gold_110x110-1cc7af61df.png" alt="" />
</a>
<div class="ekomi-rating-label">
<div class="ekomi-rating-row">
<div class="ekomi-rating-stars">
<div class="ekomi-rating-stars-active" style="width: 96%"></div>
</div>
<span class="ekomi-rating-value">
<span>4.8</span> /
<span>5</span>
</span>
</div>
<ul class="ekomi-rating-usps">
<li class="i-success"><strong>205669</strong> <strong>Bewertungen</strong> <em>zu Verivox abgegeben</em></li>
<li class="i-success"><strong>96 % unserer Kunden </strong>sind zufrieden</li>
<li class="i-success"><strong>100% neutrale</strong><em> Kundenbewertungen</em></li>
</ul>
</div>
</div>
<input class="hide unstyled" type="radio" name="ekomi-rating-slide" id="ekomi-rating-switch-0" checked>
<input class="hide unstyled" type="radio" name="ekomi-rating-slide" id="ekomi-rating-switch-1">
<input class="hide unstyled" type="radio" name="ekomi-rating-slide" id="ekomi-rating-switch-2">
<input class="hide unstyled" type="radio" name="ekomi-rating-slide" id="ekomi-rating-switch-3">
<input class="hide unstyled" type="radio" name="ekomi-rating-slide" id="ekomi-rating-switch-4">
<div class="ekomi-ratings-latest" data-slider data-ekomi-slider>
<input id="e238c6c8" type="checkbox" class="ekomi-text-toggle unstyled">
<div class="ekomi-rating-prev slider-prev">
<span class="i-angle-left"></span>
</div>
<div class="ekomi-rating-list slider-view">
<div class="slider-holder">
<div class="ekomi-rating slide" id="ekomi-rating-slide-0">
<div class="ekomi-rating-details">
Kundenbewertung 02.05.2020
<span class="mobile-line">um 08:11 Uhr</span>
<div class="ekomi-rating-row ratings">
<div class="ekomi-rating-stars">
<div class="ekomi-rating-stars-active" style="width: 100%"></div>
</div>
</div>
</div>
<q class="ekomi-rating-message">
<span>es war sehr selbsterkl&#228;rend und unkompliziert</span>
</q>
</div>
<div class="ekomi-rating slide" id="ekomi-rating-slide-1">
<div class="ekomi-rating-details">
Kundenbewertung 02.05.2020
<span class="mobile-line">um 07:18 Uhr</span>
<div class="ekomi-rating-row ratings">
<div class="ekomi-rating-stars">
<div class="ekomi-rating-stars-active" style="width: 100%"></div>
</div>
</div>
</div>
<q class="ekomi-rating-message">
<span>Immer wieder!</span>
</q>
</div>
<div class="ekomi-rating slide" id="ekomi-rating-slide-2">
<div class="ekomi-rating-details">
Kundenbewertung 02.05.2020
<span class="mobile-line">um 04:54 Uhr</span>
<div class="ekomi-rating-row ratings">
<div class="ekomi-rating-stars">
<div class="ekomi-rating-stars-active" style="width: 100%"></div>
</div>
</div>
</div>
<q class="ekomi-rating-message">
<span>Schnell, G&#252;nstig, und transparent</span>
</q>
</div>
<div class="ekomi-rating slide" id="ekomi-rating-slide-3">
<div class="ekomi-rating-details">
Kundenbewertung 02.05.2020
<span class="mobile-line">um 03:05 Uhr</span>
<div class="ekomi-rating-row ratings">
<div class="ekomi-rating-stars">
<div class="ekomi-rating-stars-active" style="width: 80.0%"></div>
</div>
</div>
</div>
<q class="ekomi-rating-message">
<span>Super</span>
</q>
</div>
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Kundenbewertung 02.05.2020
<span class="mobile-line">um 00:21 Uhr</span>
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<span>Sehr schnelle Abwicklung</span>
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<h2>Autofinanzierung: schnell und einfach vergleichen</h2>
<p>Wer heute ein Auto kaufen möchte, sei es ein Neuwagen, sei es ein „junger Alter“, greift häufig auf eine Finanzierung zurück. Rund zwei Drittel der Fahrzeuge auf Deutschlands Straßen sind fremdfinanziert oder geleast. Dafür stehen drei Varianten zur Verfügung:</p>
<ul>
<li>der klassische Autokredit</li>
<li>das Leasing</li>
<li>die Drei-Wege- bzw. Vario-Finanzierung</li>
</ul>
<p>Auf Verivox.de können Sie die Kosten dieser drei Varianten der Autofinanzierung miteinander vergleichen, um herauszufinden, welche Finanzierungsform sich für Sie besser eignet. Im <a href="/auto/neuwagen/">Neuwagen-Konfigurator</a> können Sie ein Leasingangebot mit einer Drei-Wege-Finanzierung vergleichen, unter <a href="/kfz-kredit/">Kfz-Kredit</a> finden Sie individuelle Ratenkreditangebote von einer Vielzahl an Banken. In diesem Ratgeber finden Sie Rechenbeispiele, Vorteile und Nachteile für jede Finanzierungsform.</p>
<h2>Der Autokredit</h2>
<p>Bei einem Autokredit handelt es sich um einen klassischen Ratenkredit. Manche Banken bieten ihn als zweckgebundenes Darlehen zu besseren Konditionen als einen Kredit zur freien Verwendung an. Der Grund dafür liegt in der Besicherung. Der Kreditnehmer tritt den Kfz-Brief an die Bank ab. Sollte er das Darlehen nicht ordnungsgemäß zurückführen, kann die Bank das Auto weiterverkaufen. Bei der Finanzierung einer neuen Küche oder einer Urlaubsreise wäre die Verwertung nicht möglich.</p>
<p>Bei einem zweckgebundenen Kfz-Kredit „gehört“ das Auto im weitesten Sinne der Bank, der Käufer kann aber mit dem Wagen verfahren, wie er möchte. Dies gilt für Umbauten genauso wie für die Wahl der Werkstatt oder der Einhaltung der Inspektionen. Nach der letzten Rate erhält der den Kfz-Brief zurück, das Auto befindet sich nun vollständig in seinem Eigentum.</p>
<p>Bei einem zweckfreien Kredit ist der Käufer noch flexibler und kann den Wagen zum Beispiel noch während der Laufzeit privat verkaufen und ein neues Auto anschaffen. Will er die Kreditsumme mit dem Erlös vorzeitig tilgen, kann die Bank zwar eine Vorfälligkeitsentschädigung erheben. Doch viele Darlehensgeber bieten <a href="/kredit/sondertilgung/">Kredite mit kostenloser Sondertilgung oder Gesamttilgung</a> an.</p>
<h2> Rechenbeispiel: So viel kostet ein Autokredit</h2>
<p>Für ein Auto im Wert von 35.000 Euro fallen bei 4 % Zinsen und 5 Jahren Laufzeit folgende Kosten an:</p>
<ul>
<li> Rate pro Monat: 643,45 Euro</li>
<li> Autokosten insgesamt: 38.607 Euro</li>
<li> Summe der gezahlten Zinsen: 3.607 Euro</li>
</ul>
<p> Am Ende der Laufzeit gehört das Auto dem Kreditnehmer.</p>
<h2>Das Leasing</h2>
<p>Leasen bedeutet nichts anderes als Mieten. Salopp formuliert handelt es sich um einen Dauer-Leihwagen. Der Leasingnehmer zahlt für einen vereinbarten Zeitraum die Leasingraten. Am Ende gibt er das Fahrzeug zurück. Wurde eine Kaufoption vereinbart, kann er es auch zum Restwert kaufen. Wer zu Beginn eine Abschlagszahlung leistet, muss normalerweise niedrigere monatliche Raten zahlen.</p>
<h3>Die Vor- und Nachteile beim Leasing abwägen</h3>
<p>Der Vorteil des Leasings besteht darin, dass der Fahrer alle drei oder vier Jahre ein neues Fahrzeug nutzt. Dies erspart die mit den Jahren anfallenden Reparaturen für Verschleißteile.</p>
<p>Die Nachteile beim Leasing liegen zum einen darin, dass der Leasinggeber vorschreiben kann, zu welcher <a href="/werkstatt/" target="_self">Werkstatt </a>der Fahrzeughalter gehen muss. An dem Fahrzeug dürfen auch nicht ohne weiteres bauliche Veränderungen vorgenommen werden. Kritisch wird es, wenn der Leasingnehmer das Fahrzeug abgeben möchte. Bei einer Kreditfinanzierung steht es ihm frei, das Auto zu verkaufen. Einen Leasingvertrag auf einen Dritten zu übertragen, ist fast unmöglich.</p>
<h3>Privat und gewerblich leasen</h3>
<p>Leasingraten verteuern sich um die Mehrwertsteuer, während Kreditraten mehrwertsteuerfrei sind. Vor diesem Hintergrund wird Leasing überwiegend von Firmen und Selbstständigen für Dienstwagen genutzt, da es sich steuerlich besser auswirkt als die anderen Finanzierungswege.</p>
<h3>Restwert- und Kilometer-Leasing</h3>
<p>Der eine oder andere Leasingnehmer hat den Tag der Rückgabe in wenig guter Erinnerung. Die Leasingrate basiert auf einer Berechnung des Restwertes am Ende der Vertragslaufzeit. Beim Kilometer-Leasing hängt dies nur von der Kilometerleistung ab. Beim Restwert-Leasing ist aber der Gesamteindruck des Autos ausschlaggebend. Ein kleiner Fleck auf dem Polster, Spuren der Waschanlage auf dem Lack oder ein in den Augen des Händlers überdurchschnittlich abgenutzter Innentürgriff führen in diesem Fall zu einer Nachzahlung.</p>
<h2> Rechenbeispiel: Leasing-Kosten inklusive Steuer</h2>
<p>Beim Privatleasing fallen bei 4 % Zinsen und 5 Jahren Laufzeit folgende Kosten an:</p>
<ul>
<li> Rate pro Monat: 583,98 Euro</li>
<li> Aufwand insgesamt: 35.039 Euro</li>
</ul>
<p>Annahmen:</p>
<ul>
<li> Wert des Wagens: 35.000 Euro</li>
<li>Restwert: 10.000 Euro</li>
<li>Keine Anzahlung</li>
</ul>
<p> Am Ende der Laufzeit gibt der Leasingnehmer das Auto an den Händler zurück. Die Raten beinhalten bereits 19 Prozent Mehrwertsteuer. Ohne Steuer sind die Kosten des Leasings mit denen der Drei-Wege-Finanzierung vergleichbar. </p>
<h2>Die Drei-Wege-, Ballon- bzw. Vario-Finanzierung</h2>
<p>Der Name der Drei-Wege-Finanzierung weist auf die Vorgehensweise am Ende der Vertragslaufzeit hin. Zunächst ermittelt der Händler beim Autokauf den voraussichtlichen Restwert des Fahrzeuges zum Ende der Laufzeit und zieht ihn vom Kaufpreis ab. Die Differenz – also den voraussichtlichen Wertverlust – tilgt der Käufer während der Vertragslaufzeit, zahlt aber Zinsen auf den gesamten Kaufpreis. Auf den ersten Blick besticht diese Variante durch die geringe monatliche Belastung. Zum Laufzeitende hat der Darlehensnehmer nun drei Optionen:</p>
<ul>
<li>Er gibt das Fahrzeug an den Händler zurück. Diese Option besteht nur bei der Vario- bzw. Drei-Wege-Finanzierung. Bei der weniger flexiblen <a href="/ballonfinanzierung/" target="_self">Ballonfinanzierung</a> gibt es nur die Finanzierungs- und Kaufoption.</li>
<li>Er zahlt den Restwert – die Schlussrate – und übernimmt den Wagen. Um den Autokauf zu finanzieren, kann er das Fahrzeug auch gleich privat verkaufen.</li>
<li>Er nimmt einen weiteren Kredit auf, um die hohe Schlussrate zu finanzieren. Dabei werden die Konditionen neu berechnet.</li>
</ul>
<p>Im ersten Fall besteht das gleiche Risiko wie beim Leasing. Der Händler wird akribisch prüfen, ob eine höhere Kilometerleistung zurückgelegt wurde als vereinbart, oder ob der Wagen sonstige Wertminderungen aufweist. In diesem Fall erhöht sich die Schlussrate.</p>
<h2> Rechenbeispiel: Die Drei-Wege-Finanzierung</h2>
<p>Bei 4 % Zinsen und 5 Jahren Laufzeit fallen bei der Drei-Wege-Finanzierung folgende Kosten an:</p>
<ul>
<li> Rate pro Monat: 492,34 Euro</li>
<li> Autokosten beim Ausüben der Kaufoption: 39.540 Euro</li>
<li> Kosten ohne Ausüben der Kaufoption: 29.540 Euro</li>
<li> Summe der gezahlten Zinsen: 4.540 Euro</li>
</ul>
<p>Annahmen:</p>
<ul>
<li>Wert des Wagens: 35.000 Euro</li>
<li>Restwert: 10.000 Euro</li>
<li>Keine Anzahlung</li>
</ul>
<p> Am Ende der Laufzeit kann der Kreditnehmer das Auto zurückgeben oder die Kaufoption ausüben. In diesem Fall kommt zu den gezahlten Zinsen noch der Restwert des Autos hinzu. </p>
<h2>Kredit, Leasing und 3-Wege-Finanzierung: Was ist besser?</h2>
<p>Für diejenigen, welche die Mehrwertsteuer in Abzug bringen können, stellt Leasing in Bezug auf die monatliche Belastung die günstigste Lösung dar. Allerdings gilt es zu bedenken, dass am Ende der Vertragslaufzeit kein Gegenwert vorhanden ist.</p>
<p>Der klassische Kfz-Kredit hat zwar die höheren Monatsraten als das Leasing oder die Drei-Wege-Finanzierung, ist aber in der Summe die günstigste Variante. Mit der letzten Rate hat der Käufer einen Gegenwert ohne weitere Zahlungen erworben. Wer den Autokauf außerdem nicht durch den Händler, sondern durch eine dritte Bank finanzieren lässt, kann als Barzahler auftreten und einen Rabatt aushandeln.</p>
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