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[null,"Finanzierungsbedarf"]
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[null,"mögliche monatliche Rate"]
[null,1000]
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[null,"Zinsbindung in Monaten"]
[null,120]
[]
[null,"Sollzinssatz 1. Zinsbindung"]
[null,2.5000000000000001E-2]
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[null,"Bauspartarif D2023"]
[null,"Premium 2,25% / 2,00%"]
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[]
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[null,"Berechnung"]
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[null,null,{"$f":"\"Jahr 1-\"&TEXT(Vergleich!$D$10/12,\"0\")","v":"Jahr 1-10"}]
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[null,null,{"$f":"C59","v":1000},null,{"$f":"E59","v":120566.36819012649},null,null,null,null,"Zinssatz = ?"]
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[null,"Prämissen zum Modellvergleich",null,null,null,null,"Berechnung",null,null,"Hinweise"]
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[null,null,"mtl. Belastung identisch",null,null,null,null,null,null,"zur Bausparsumme",null,{"$f":"IF(AND(OR(D12=\"Komfort 0,45%\",D12=\"Komfort 1,95%\",D12=\"Premium 1,50% / 1,25%\",D12=\"Premium 2,25% / 2,00%\"),(D8*BauSPARvertrag!F2)<10000),\"Bausparsumme mindestens 10.000 EUR\",IF(AND(D12=\"Spezial\",D8*BauSPARvertrag!F2<250000),\"Bausparsumme mindestens 250.000 EUR\",\"-\"))","v":"-"}]
[null,null,null,null,null,null,null,null,null,"zum Tilgungsbeitrag",null,{"$f":"IF(OR(AND(D12=\"Komfort 0,45%\",BauSPARvertrag!F9<BauSPARvertrag!F2*BauSPARvertrag!F10),AND(D12=\"Komfort 0,45%\",BauSPARvertrag!F9>BauSPARvertrag!F2*BauSPARvertrag!F11)),\"Tilgungsbeitrag im Komfort 0,45%: 10,0 Promille\",IF(OR(AND(D12=\"Komfort 1,95%\",BauSPARvertrag!F9<BauSPARvertrag!F2*BauSPARvertrag!F10),AND(D12=\"Komfort 1,95%\",BauSPARvertrag!F9>BauSPARvertrag!F2*BauSPARvertrag!F11)),\"Tilgungsbeitrag im Komfort 1,95%: 3,5 Promille\",IF(OR(AND(D12=\"Premium 1,50% / 1,25%\",BauSPARvertrag!F9<BauSPARvertrag!F2*BauSPARvertrag!F10),AND(D12=\"Premium 1,50% / 1,25%\",BauSPARvertrag!F9>BauSPARvertrag!F2*BauSPARvertrag!F11)),\"Tilgungsbeitrag im Premium 1,50% / 1,25%: 4,0 Promille bis 8,0 Promille\",IF(OR(AND(D12=\"Premium 2,25% / 2,00%\",BauSPARvertrag!F9<BauSPARvertrag!F2*BauSPARvertrag!F10),AND(D12=\"Premium 2,25% / 2,00%\",BauSPARvertrag!F9>BauSPARvertrag!F2*BauSPARvertrag!F11)),\"Tilgungsbeitrag im Premium 2,25% / 2,00%: 4,0 Promille bis 8,0 Promille\",IF(OR(AND(D12=\"Spezial\",BauSPARvertrag!F9<BauSPARvertrag!F2*BauSPARvertrag!F10),AND(D12=\"Spezial\",BauSPARvertrag!F9>BauSPARvertrag!F2*BauSPARvertrag!F11)),\"Tilgungsbeitrag im Spezial: 4,5 Promille bis 8,0 Promille\",\"-\")))))","v":"-"}]
[]
[]
[null,"Finanzierungsbedarf",null,{"$f":"Grafik!B10","v":200000},null,null,{"$f":"IF(G3=\"NOK\",\"Tilgungsbeitrag in EUR\",\"\")","v":""},null,null,{"$f":"IF(G3=\"NOK\",BauSPARvertrag!F9,\"\")","v":""}]
[null,"mögliche monatliche Rate",null,{"$f":"Grafik!B13","v":1000},null,null,{"$f":"IF(G3=\"NOK\",\"Tilgungsbeitrag in Promille\",\"\")","v":""},null,null,{"$f":"IF(G3=\"NOK\",J8/BauSPARvertrag!F2*1000,\"\")","v":""}]
[null,"Zinsbindung in Monaten",null,{"$f":"Grafik!B16","v":120}]
[null,"Sollzinssatz 1. Zinsbindung",null,{"$f":"Grafik!B19","v":2.5000000000000001E-2},null,null,{"$f":"IF(G3=\"NOK\",\"Zinsanpassungstermin\",\"\")","v":""},null,null,{"$f":"IF(G3=\"NOK\",J26,\"\")","v":""}]
[null,"Bauspartarif D2020",null,{"$f":"Grafik!B22","v":"Premium 2,25% / 2,00%"},null,null,{"$f":"IF(G3=\"NOK\",\"Zuteilungstermin\",\"\")","v":""},null,null,{"$f":"IF(G3=\"NOK\",J28,\"\")","v":""}]
[]
[]
[null,"Vollfinanzierung durch Annuitätendarlehen",null,null,null,null,"Finanzierung durch Annuitätendarlehen mit BSV"]
[null,null,null,null,null,null,"Informationen zum Bausparvertrag"]
[]
[null,"anfängl. Direkttilgung p.a.",null,{"$f":"((D9*12)/D8)-D11","v":3.4999999999999996E-2},null,null,"anfängl. Direkttilgung p.a.",null,null,{"$f":"'WDC mit BSV'!D7","v":0.01}]
[]
[null,null,null,null,null,null,"Bausparsumme",null,null,{"$f":"BauSPARvertrag!F2","v":103800}]
[]
[null,null,null,null,null,null,"mtl. Sparrate BSV",null,null,{"$f":"BauSPARvertrag!F8","v":416.66666666666663}]
[null,null,null,null,null,null,"mtl. Rate Annuitätendarlehen",null,null,{"$f":"J24-J22","v":583.33333333333337}]
[null,"mtl. Belastung",null,{"$f":"'WDC ohne BSV'!D12","v":1000},null,null,"mtl. Belastung inkl. BSV",null,null,{"$f":"'WDC mit BSV'!D12+BauSPARvertrag!F8","v":1000}]
[]
[null,"ZAP-Termin",null,{"$f":"'WDC ohne BSV'!G4","v":"2033-04-01"},null,null,"ZAP-Termin",null,null,{"$f":"'WDC mit BSV'!G4","v":"2033-04-01"}]
[]
[null,null,null,null,null,null,"Zuteilung",null,null,{"$f":"IF(BauSPARvertrag!K198<5,\"Zut. > 15 Jahre\",BauSPARvertrag!B1)","v":"2033-04-01"}]
[]
[]
[null,"Finanzierungsbedarf der zweiten Zinsbindung",null,null,null,null,"Finanzierungsbedarf der zweiten Zinsbindung"]
[]
[null,"Restschuld zum ZAP",null,{"$f":"'WDC ohne BSV'!G6","v":120566.36819012649},null,null,"Restschuld zum ZAP",null,null,{"$f":"'WDC mit BSV'!G6","v":177304.67662575044}]
[]
[null,null,null,null,null,null,"abzgl. Bausparguthaben",null,null,{"$f":"IF(J28=\"Zut. > 15 Jahre\",\"\",BauSPARvertrag!B6)","v":47946.103333333282}]
[]
[null,null,null,null,null,null,"abzgl. Bauspardarlehen",null,null,{"$f":"IF(J28=\"Zut. > 15 Jahre\",\"\",BauSPARvertrag!B7)","v":55853.896666666718}]
[null,null,null,null,null,null,"Bauspardarlehenszinssatz",null,null,{"$f":"IF(D12=\"Komfort 0,45%\",\"0,45%\",IF(D12=\"Komfort 1,95%\",\"1,95%\",IF(D12=\"Spezial\",\"1,60%\",IF(AND(D12=\"Premium 1,50% / 1,25%\",J20<100000),\"1,50%\",IF(AND(D12=\"Premium 1,50% / 1,25%\",OR(J20=100000,J20>100000)),\"1,25%\",IF(AND(D12=\"Premium 2,25% / 2,00%\",J20<100000),\"2,25%\",IF(AND(D12=\"Premium 2,25% / 2,00%\",OR(J20=100000,J20>100000)),\"2,00%\",\"\")))))))","v":"2,00%"}]
[null,null,null,null,null,null,"Tilgungsbeitrag",null,null,{"$f":"BauSPARvertrag!F9","v":420}]
[]
[null,"Finanzierungsbedarf",null,{"$f":"D33","v":120566.36819012649},null,null,"Finanzierungsbedarf",null,null,{"$f":"IF(J28=\"Zut. > 15 Jahre\",\"\",J33-J35-J37)","v":73504.676625750435}]
[]
[null,null,null,null,null,null,"Reduzierung Zinsrisiko für",null,null,{"$f":"IF(J28=\"Zut. > 15 Jahre\",\"\",D41-J41)","v":47061.691564376059}]

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["erste Zinsbindung"]
[]
[null,"Darlehensbetrag",null,{"$f":"Vergleich!D8","v":200000},null,"ZAP",{"$f":"VLOOKUP(1,H11:I199,2,FALSE)","v":"2033-04-01"}]
[null,"Zinsbindung in Monaten",null,{"$f":"Vergleich!D10","v":120},null,"Zinskosten",{"$f":"SUM(E12:E200)","v":40566.368190126377}]
[null,"Sollzins",null,{"$f":"Vergleich!D11","v":2.5000000000000001E-2},null,"Restschuld",{"$f":"VLOOKUP(1,H11:J199,3,FALSE)","v":120566.36819012649}]
[null,"anfäng. Direkttilgung",null,{"$f":"Vergleich!D18","v":3.4999999999999996E-2}]
[]
[]
["Umsatz","Monat","Saldo alt","Annuität","Zinsrate","Tilgungsrate","Saldo neu","ZAP","ZAP","Restschuld"]
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[null,{"$f":"EDATE(B11,1)","v":"2023-05-01"},{"$f":"IF(H11>0,\"\",G11)","v":-200000},{"$f":"IF(H11>0,\"\",$D$4*($D$6+$D$7)/12)","v":1000},{"$f":"IF(H11>0,\"\",G11*$D$6/12*-1)","v":416.66666666666669},{"$f":"IF(H11>0,\"\",D12-E12)","v":583.33333333333326},{"$f":"IF(H11>0,\"\",C12+F12)","v":-199416.66666666666},{"$f":"IF(B12=DATE(YEAR($B$11),MONTH($B$11)+$D$5,DAY($B$11)),1,IF(B12>DATE(YEAR($B$11),MONTH($B$11)+$D$5,DAY($B$11)),H11+1,0))","v":0},{"$f":"IF(H12=1,B12,\"\")","v":""},{"$f":"IF(H12=1,G12*-1,\"\")","v":""}]
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[null,"2023-07-01",-198832.11805555553,1000,414.23357928240739,585.76642071759261,-198246.35163483795,0,"",""]
[null,"2023-08-01",-198246.35163483795,1000,413.01323257257906,586.986767427421,-197659.36486741054,0,"",""]
[null,"2023-09-01",-197659.36486741054,1000,411.790343473772,588.20965652622795,-197071.15521088432,0,"",""]
[null,"2023-10-01",-197071.15521088432,1000,410.56490668934231,589.43509331065775,-196481.72011757366,0,"",""]
[null,"2023-11-01",-196481.72011757366,1000,409.33691691161181,590.66308308838825,-195891.05703448527,0,"",""]
[null,"2023-12-01",-195891.05703448527,1000,408.10636882184434,591.8936311781556,-195299.16340330712,0,"",""]
[null,"2024-01-01",-195299.16340330712,1000,406.87325709022321,593.12674290977679,-194706.03666039734,0,"",""]
[null,"2024-02-01",-194706.03666039734,1000,405.63757637582779,594.36242362417215,-194111.67423677316,0,"",""]
[null,"2024-03-01",-194111.67423677316,1000,404.39932132661079,595.60067867338921,-193516.07355809977,0,"",""]
[null,"2024-04-01",-193516.07355809977,1000,403.15848657937454,596.84151342062546,-192919.23204467914,0,"",""]
[null,"2024-05-01",-192919.23204467914,1000,401.91506675974824,598.08493324025176,-192321.14711143888,0,"",""]
[null,"2024-06-01",-192321.14711143888,1000,400.66905648216431,599.33094351783575,-191721.81616792106,0,"",""]
[null,"2024-07-01",-191721.81616792106,1000,399.42045034983556,600.57954965016438,-191121.23661827089,0,"",""]
[null,"2024-08-01",-191121.23661827089,1000,398.16924295473103,601.83075704526891,-190519.40586122562,0,"",""]
[null,"2024-09-01",-190519.40586122562,1000,396.91542887755344,603.0845711224465,-189916.32129010317,0,"",""]
[null,"2024-10-01",-189916.32129010317,1000,395.65900268771497,604.34099731228503,-189311.98029279089,0,"",""]
[null,"2024-11-01",-189311.98029279089,1000,394.3999589433144,605.60004105668554,-188706.3802517342,0,"",""]
[null,"2024-12-01",-188706.3802517342,1000,393.1382921911129,606.8617078088871,-188099.51854392531,0,"",""]
[null,"2025-01-01",-188099.51854392531,1000,391.87399696651113,608.12600303348881,-187491.39254089183,0,"",""]
[null,"2025-02-01",-187491.39254089183,1000,390.60706779352466,609.39293220647528,-186881.99960868535,0,"",""]
[null,"2025-03-01",-186881.99960868535,1000,389.33749918476116,610.6625008152389,-186271.33710787012,0,"",""]
[null,"2025-04-01",-186271.33710787012,1000,388.06528564139609,611.93471435860397,-185659.40239351153,0,"",""]
[null,"2025-05-01",-185659.40239351153,1000,386.790421653149,613.209578346851,-185046.19281516469,0,"",""]
[null,"2025-06-01",-185046.19281516469,1000,385.51290169825978,614.48709830174016,-184431.70571686295,0,"",""]
[null,"2025-07-01",-184431.70571686295,1000,384.23272024346448,615.76727975653557,-183815.93843710641,0,"",""]
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{"sheet":"WDC mit BSV","index":3,"n_rows":199,"n_cols":10,"rows_kept":199,"cut":false,"hidden":true,"merged":[[1,0,1,9]]}
[]
["erste Zinsbindung"]
[]
[null,"Darlehensbetrag",null,{"$f":"Vergleich!D8","v":200000},null,"ZAP",{"$f":"VLOOKUP(1,H11:I199,2,FALSE)","v":"2033-04-01"}]
[null,"Zinsbindung in Monaten",null,{"$f":"Vergleich!D10","v":120},null,"Zinskosten",{"$f":"SUM(E12:E200)","v":47304.676625750391}]
[null,"Sollzins",null,{"$f":"Vergleich!D11","v":2.5000000000000001E-2},null,"Restschuld",{"$f":"VLOOKUP(1,H11:J199,3,FALSE)","v":177304.67662575044}]
[null,"anfäng. Direkttilgung",null,0.01]
[]
[]
["Umsatz","Monat","Saldo alt","Annuität","Zinsrate","Tilgungsrate","Saldo neu","ZAP","ZAP","Restschuld"]
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