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Im Mittelpunkt stehen Kreditangebote, bei denen die tatsächlichen Finanzierungskosten für einen Großteil der Kunden transparent erkennbar sind.",[],{"type":159,"text":604,"spans":605,"direction":162},"Die Bewertung macht Unterschiede bei Zinssätzen und Laufzeitoptionen sichtbar und ermöglicht einen objektiven Vergleich bundesweit verfügbarer sowie regionaler Kreditangebote.",[],{"type":159,"text":326,"spans":607,"direction":162},[],{"type":597,"text":609,"spans":610,"direction":162},"Untersuchungsdesign im Überblick",[],{"type":612,"text":613,"spans":614,"direction":162},"list-item","Redaktion: ntv",[615],{"start":24,"end":616,"type":617},10,"strong",{"type":612,"text":619,"spans":620,"direction":162},"Untersuchungszeitpunkt: 02.06.2026",[621],{"start":24,"end":622,"type":617},23,{"type":612,"text":624,"spans":625,"direction":162},"Anzahl untersuchter Anbieter: 32 (22 bundesweit tätige und 10 regionale Banken)",[626],{"start":24,"end":627,"type":617},29,{"type":612,"text":629,"spans":630,"direction":162},"Untersuchte Produktkategorien: Bonitätsunabhängige und bonitätsabhängige Ratenkredite",[631],{"start":24,"end":632,"type":617},30,{"type":612,"text":634,"spans":635,"direction":162},"Besonderheit bei bonitätsabhängigen Krediten: Berücksichtigt wurde ausschließlich der Zinssatz, den mindestens zwei Drittel der Kunden erhalten.",[636],{"start":24,"end":637,"type":617},45,{"type":612,"text":639,"spans":640,"direction":162},"Art der Datenerhebung: Datenrecherche und Anbieterangaben",[641],{"start":24,"end":642,"type":617},22,{"type":159,"text":326,"spans":644,"direction":162},[],{"type":597,"text":646,"spans":647,"direction":162},"So wurde bewertet",[],{"type":649,"text":650,"spans":651,"direction":162},"heading3","Datenerhebung",[],{"type":612,"text":653,"spans":654,"direction":162},"Recherche öffentlich verfügbarer Kreditkonditionen",[],{"type":612,"text":656,"spans":657,"direction":162},"Ergänzende Berücksichtigung von Anbieterangaben",[],{"type":612,"text":659,"spans":660,"direction":162},"Auswertung der Angebote nach einheitlichen Kriterien",[],{"type":612,"text":662,"spans":663,"direction":162},"Berücksichtigung ausschließlich nachvollziehbarer und veröffentlichter Konditionen",[],{"type":649,"text":665,"spans":666,"direction":162},"Bewertete Kriterien",[],{"type":612,"text":668,"spans":669,"direction":162},"Durchschnittlicher Zinssatz für Laufzeiten von 24 bis 84 Monaten",[],{"type":612,"text":671,"spans":672,"direction":162},"Flexibilität bei den verfügbaren Laufzeiten",[],{"type":159,"text":326,"spans":674,"direction":162},[],{"type":597,"text":676,"spans":677,"direction":162},"Vergleichbarkeit",[],{"type":612,"text":679,"spans":680,"direction":162},"Einheitliche Betrachtung von Laufzeiten zwischen 24 und 84 Monaten",[],{"type":612,"text":682,"spans":683,"direction":162},"Bei bonitätsabhängigen Krediten wurde ausschließlich der Zinssatz berücksichtigt, den mindestens zwei Drittel der Kunden erhalten",[],{"type":612,"text":685,"spans":686,"direction":162},"Standardisierte Auswertung aller Konditionen nach identischen Kriterien",[],{"type":159,"text":326,"spans":688,"direction":162},[],{"type":597,"text":690,"spans":691,"direction":162},"Besonderheiten dieser Auszeichnung",[],{"type":612,"text":693,"spans":694,"direction":162},"Fokus auf transparente und realistische Zinsaussagen",[],{"type":612,"text":696,"spans":697,"direction":162},"Berücksichtigung von Zinssätzen, die für einen Großteil der Kunden tatsächlich erreichbar sind",[],{"type":612,"text":699,"spans":700,"direction":162},"Vergleich von bundesweiten und regionalen Anbietern",[],{"type":612,"text":702,"spans":703,"direction":162},"Einfache Vergleichbarkeit durch Konzentration auf die wesentlichen Kreditmerkmale",[],"text_section$9f81ce15-8431-4ae7-9b53-76fae66455f6","text_section","Bester Ratenkredit 2026 | Klare Zinsaussage im Vergleich","Vergleich von 32 Anbietern: Bewertung von Zinssätzen und Laufzeiten bei bonitätsunabhängigen und bonitätsabhängigen Krediten mit klarer Zinsaussage.",{}]