[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"navigation-single":3,"footer-single":132,"$fL8G0D5sm4Fc6EcXwGk4YeUdZTPrKij5qchys0v_mczk":288,"auszeichnung-die-besten-ratenkredite-handelsblatt-2026":775},{"id":4,"uid":5,"url":5,"type":6,"href":7,"tags":8,"first_publication_date":9,"last_publication_date":10,"slugs":11,"linked_documents":12,"lang":13,"alternate_languages":14,"data":15},"aUQLmhEAACIAu-vF",null,"navigation","https:\u002F\u002Ffmh-finanzberater.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=aplcxxEAAC4A3_Ol&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aUQLmhEAACIAu-vF%22%29+%5D%5D",[],"2025-12-18T14:20:53+0000","2026-07-02T12:58:57+0000",[6],[],"de-de",[],{"logo":16,"logo_darkmode":27,"top_quick_links":32,"main_links":77},{"dimensions":17,"alt":20,"copyright":5,"url":21,"id":22,"edit":23},{"width":18,"height":19},266,53,"FMH Finanzberatung Logo","https:\u002F\u002Ffmh-finanzberater.cdn.prismic.io\u002Ffmh-finanzberater\u002FaUQNTHNYClf9oZYF_fmh-logo.svg","aUQNTHNYClf9oZYF",{"x":24,"y":24,"zoom":25,"background":26},0,1,"transparent",{"dimensions":28,"alt":20,"copyright":5,"url":29,"id":30,"edit":31},{"width":18,"height":19},"https:\u002F\u002Ffmh-finanzberater.cdn.prismic.io\u002Ffmh-finanzberater\u002FaV7S2nNYClf9o34c_fmh-logo-dark.svg","aV7S2nNYClf9o34c",{"x":24,"y":24,"zoom":25,"background":26},[33,46,56,67],{"link":34},{"id":35,"type":36,"tags":37,"lang":13,"slug":38,"first_publication_date":39,"last_publication_date":40,"url":41,"link_type":42,"key":43,"isBroken":44,"text":45},"aWey0xIAACoAgX3j","unsere_marken",[],"unsere-marken","2026-01-14T15:14:45+0000","2026-03-27T12:28:12+0000","\u002Funsere-marken","Document","a4b9af26-985b-4fa9-af88-b60bd32a8dfb",false,"Unsere Marken",{"link":47},{"id":48,"type":49,"tags":50,"lang":13,"slug":49,"first_publication_date":51,"last_publication_date":52,"url":53,"link_type":42,"key":54,"isBroken":44,"text":55},"aWeyURIAACcAgX0L","presse",[],"2026-01-14T15:14:19+0000","2026-08-25T16:16:29+0000","\u002Fpresse","25814b13-4c7d-460c-ad26-0ee530c22459","Presse",{"link":57},{"id":58,"type":59,"tags":60,"lang":13,"slug":61,"first_publication_date":62,"last_publication_date":63,"uid":59,"url":64,"link_type":42,"key":65,"isBroken":44,"text":66},"aWeOxxUAACYAWBxD","faq",[],"haufig-gestellte-fragen","2026-01-14T12:41:23+0000","2026-04-30T10:31:12+0000","\u002Ffaq","a5b16d22-55ae-455f-bd7a-1bc6f973596a","Häufig gestellte Fragen",{"link":68},{"id":69,"type":70,"tags":71,"lang":13,"slug":70,"first_publication_date":72,"last_publication_date":73,"url":74,"link_type":42,"key":75,"isBroken":44,"text":76},"aWetMhIAACkAgXTF","kontakt",[],"2026-01-14T14:50:42+0000","2026-08-11T11:05:48+0000","\u002Fkontakt","5c2897f8-58cc-498d-b558-1117c5a53e6c","Kontakt",[78,88,99,110,121],{"link":79},{"id":80,"type":81,"tags":82,"lang":13,"slug":81,"first_publication_date":83,"last_publication_date":84,"url":85,"link_type":42,"key":86,"isBroken":44,"text":87},"aV5m2BUAACUASoZ_","siegel",[],"2026-01-07T14:09:49+0000","2026-03-27T12:30:37+0000","\u002Fsiegel","5354458c-4f34-480a-9c77-65cbb312c0a4","Siegel",{"link":89},{"id":90,"type":91,"tags":92,"lang":13,"slug":93,"first_publication_date":94,"last_publication_date":95,"url":96,"link_type":42,"key":97,"isBroken":44,"text":98},"aUUmpxEAAB8AvY1P","fmhaward",[],"fmh-award","2025-12-19T10:35:04+0000","2026-08-18T13:26:51+0000","\u002Ffmh-award","a6e7eb9b-6bd7-4ac2-ad91-4ddfab0dcce0","FMH-Award",{"link":100},{"id":101,"type":102,"tags":103,"lang":13,"slug":104,"first_publication_date":105,"last_publication_date":106,"url":107,"link_type":42,"key":108,"isBroken":44,"text":109},"aWesqBIAACcAgXPI","hausbank_award",[],"hausbank-award","2026-01-14T14:48:42+0000","2026-09-03T11:40:55+0000","\u002Fhausbank-award","41288928-7afa-4875-9c5d-9aa3827c9a19","Beste Hausbanken",{"link":111},{"id":112,"type":113,"tags":114,"lang":13,"slug":115,"first_publication_date":116,"last_publication_date":117,"url":118,"link_type":42,"key":119,"isBroken":44,"text":120},"aWes0RIAACgAgXQO","finanz_award",[],"finanz-award","2026-01-14T14:49:12+0000","2026-06-11T13:56:33+0000","\u002Ffinanz-award","9cbd61d0-1e62-426f-b56f-5ceeae781e3d","Finanz-Award",{"link":122},{"id":123,"type":124,"tags":125,"lang":13,"slug":126,"first_publication_date":127,"last_publication_date":128,"url":129,"link_type":42,"key":130,"isBroken":44,"text":131},"aWetARIAACgAgXRp","baufinanzierungsvermittler_zertifikat",[],"baufinanzierungsvermittler-zertifikat","2026-01-14T14:50:07+0000","2026-03-27T13:01:00+0000","\u002Fzertifikat","09e9a941-bd7c-4c98-b0e6-5760e9af6218","Zertifikat für Baufi-Vermittler",{"id":133,"uid":5,"url":5,"type":134,"href":135,"tags":136,"first_publication_date":137,"last_publication_date":138,"slugs":139,"linked_documents":140,"lang":13,"alternate_languages":141,"data":142},"aUQN2xEAACEAu-8k","footer","https:\u002F\u002Ffmh-finanzberater.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=aplcxxEAAC4A3_Ol&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aUQN2xEAACEAu-8k%22%29+%5D%5D",[],"2025-12-18T14:23:33+0000","2026-07-29T12:19:03+0000",[134],[],[],{"logo":143,"logo_darkmode":151,"imprint":157,"copyright":163,"links":164,"bottom_quick_links":220},{"dimensions":144,"alt":147,"copyright":5,"url":148,"id":149,"edit":150},{"width":145,"height":146},431,85,"FMH-Finanzberatung Logo dunkel","https:\u002F\u002Ffmh-finanzberater.cdn.prismic.io\u002Ffmh-finanzberater\u002FaYRifd0YXLCxVaGK_fmh-claim-slate.svg","aYRifd0YXLCxVaGK",{"x":24,"y":24,"zoom":25,"background":26},{"dimensions":152,"alt":153,"copyright":5,"url":154,"id":155,"edit":156},{"width":145,"height":146},"FMH-Finanzberatung Logo hell","https:\u002F\u002Ffmh-finanzberater.cdn.prismic.io\u002Ffmh-finanzberater\u002FaYRjrd0YXLCxVaH__fmh-claim-slate-50.svg","aYRjrd0YXLCxVaH_",{"x":24,"y":24,"zoom":25,"background":26},[158],{"type":159,"text":160,"spans":161,"direction":162},"paragraph","FMH-Finanzberatung e.K.\u2028Zeil 13,\nD-60313 Frankfurt am Main\u2028\nTelefon 069 95 189 80",[],"ltr","© 2026. FMH-Finanzberatung.de",[165,171,176,180,185,190,199,204,209,215],{"heading":166,"column":167,"link":168},"Auszeichnungen","2",{"id":90,"type":91,"tags":169,"lang":13,"slug":93,"first_publication_date":94,"last_publication_date":95,"url":96,"link_type":42,"key":170,"isBroken":44,"text":98},[],"149006fd-b15e-466c-be96-f94965d1285b",{"heading":166,"column":167,"link":172},{"id":80,"type":81,"tags":173,"lang":13,"slug":81,"first_publication_date":83,"last_publication_date":84,"url":85,"link_type":42,"key":174,"isBroken":44,"text":175},[],"5bb71045-0bf2-4260-aa60-bbf8356193cc","Siegel in Kooperation",{"heading":166,"column":167,"link":177},{"id":112,"type":113,"tags":178,"lang":13,"slug":115,"first_publication_date":116,"last_publication_date":117,"url":118,"link_type":42,"key":179,"isBroken":44,"text":120},[],"de213d78-491a-4e99-8ade-f29d9183f0ff",{"heading":166,"column":167,"link":181},{"id":101,"type":102,"tags":182,"lang":13,"slug":104,"first_publication_date":105,"last_publication_date":106,"url":107,"link_type":42,"key":183,"isBroken":44,"text":184},[],"7cc1d713-011c-4fa3-a3e3-de278708ac98","Hausbank-Award",{"heading":166,"column":167,"link":186},{"id":123,"type":124,"tags":187,"lang":13,"slug":126,"first_publication_date":127,"last_publication_date":128,"url":129,"link_type":42,"key":188,"isBroken":44,"text":189},[],"2035a380-0801-4dbf-b9a3-6605e67f34bd","Zertifikat für Baufinanzierungsvermittler",{"heading":191,"column":192,"link":193},"Finanzrechner","3",{"link_type":194,"key":195,"url":196,"target":197,"text":198},"Web","a3f980d4-36a6-47f3-a8b4-6e5ba534807c","https:\u002F\u002Fwww.fmh.de\u002Fbaufinanzierung\u002Frechner","_blank","Baufinanzierungsrechner von FMH",{"heading":191,"column":192,"link":200},{"link_type":194,"key":201,"url":202,"target":197,"text":203},"4363ed81-0628-4019-ad37-5702aacac3fa","https:\u002F\u002Fwww.fmh.de\u002Fgeld-anlegen\u002Fangebote-vergleichen","Finanzrechner Geldanlage",{"heading":191,"column":192,"link":205},{"link_type":194,"key":206,"url":207,"target":197,"text":208},"f0098697-ea3d-41b2-9365-4c6c5a1ee4d3","https:\u002F\u002Fwww.fmh.de\u002Fkredit-aufnehmen\u002Fangebote-vergleichen","Finanzrechner Kredite",{"heading":210,"column":192,"link":211},"Unsere Brands",{"link_type":194,"key":212,"url":213,"target":197,"text":214},"d43f3cad-b06a-47dc-a04e-0e5ec8cf096d","https:\u002F\u002Fwww.fmhx.de\u002F","FMH X – Financial Data Excellence",{"heading":210,"column":192,"link":216},{"link_type":194,"key":217,"url":218,"target":197,"text":219},"e0e01607-b727-441e-b12d-52276df72d28","https:\u002F\u002Ffmh.de","FMH.de – So geht Geld! ",[221,225,229,238,243,248,258,268,278],{"link":222},{"id":69,"type":70,"tags":223,"lang":13,"slug":70,"first_publication_date":72,"last_publication_date":73,"url":74,"link_type":42,"key":224,"isBroken":44,"text":76},[],"6ac5f98e-f94c-44f2-a5a1-51c5c7b3eb2e",{"link":226},{"link_type":194,"key":227,"url":213,"target":197,"text":228},"7a842103-0cd5-4708-ad17-9531211de77b","Banking & Corporate Service",{"link":230},{"id":231,"type":232,"tags":233,"lang":5,"slug":234,"first_publication_date":5,"last_publication_date":5,"link_type":42,"key":235,"isBroken":236,"text":237},"aWetaRIAACcAgXUs","broken_type",[],"-","12ba12de-a7a5-4fd8-8a72-6b0f56794f92",true,"Redaktion",{"link":239},{"id":58,"type":59,"tags":240,"lang":13,"slug":61,"first_publication_date":62,"last_publication_date":63,"uid":59,"url":64,"link_type":42,"key":241,"isBroken":44,"text":242},[],"12c8b839-5fb1-4589-a743-53a981ea6b8a","FAQ",{"link":244},{"id":35,"type":36,"tags":245,"lang":13,"slug":38,"first_publication_date":39,"last_publication_date":40,"url":41,"link_type":42,"key":246,"isBroken":44,"text":247},[],"7a17c58e-7270-42b3-9399-798ae6bec3e3","Über FMH",{"link":249},{"id":250,"type":251,"tags":252,"lang":13,"slug":251,"first_publication_date":253,"last_publication_date":254,"url":255,"link_type":42,"key":256,"isBroken":44,"text":257},"aWeODRUAACUAWBsW","impressum",[],"2026-01-14T12:37:55+0000","2026-08-11T09:30:21+0000","\u002Fimpressum","37a07b9a-57e6-468a-bf6b-34b1a97a495d","Impressum",{"link":259},{"id":260,"type":261,"tags":262,"lang":13,"slug":261,"first_publication_date":263,"last_publication_date":264,"url":265,"link_type":42,"key":266,"isBroken":44,"text":267},"aWeEPBUAACQAWAzw","agb",[],"2026-01-14T12:37:25+0000","2026-08-11T09:32:31+0000","\u002Fagb","8252e9ba-eb1f-4e2d-9d97-1c55c24a5df8","AGB",{"link":269},{"id":270,"type":271,"tags":272,"lang":13,"slug":271,"first_publication_date":273,"last_publication_date":274,"url":275,"link_type":42,"key":276,"isBroken":44,"text":277},"aWeOSRUAACUAWBt8","datenschutz",[],"2026-01-14T12:38:55+0000","2026-08-11T11:22:50+0000","\u002Fdatenschutz","34ed8088-5527-4e60-b7af-6b2c38a6865b","Datenschutz",{"link":279},{"id":280,"type":281,"tags":282,"lang":13,"slug":281,"first_publication_date":283,"last_publication_date":284,"url":285,"link_type":42,"key":286,"isBroken":44,"text":287},"aWeOKRUAACQAWBtF","anb",[],"2026-01-14T12:38:24+0000","2026-08-11T09:38:51+0000","\u002Fanb","ef7bd5a2-906b-4896-b658-d1ef0b076c51","ANB",{"items":289},[290],{"_id":291,"year":292,"date":293,"publicationDate":294,"title":295,"subtitle":296,"footerText":297,"sourceReference":298,"dataNote":299,"evaluationNote":300,"rows":301,"columns":761,"sealImages":769,"category":770},"6a7ee28c8e952a0fd40c47dc",2026,"2026-08-14T00:00:00.000Z","2026-09-02T00:00:00.000Z","Die besten Ratenkredite","Kredit über 15.000 Euro und 48 Monate Laufzeit","* Girokonto Pflicht; ** bundesweites Angebot","Quelle: FMH-Finanzberatung","Auswertung: 16 Bonitätsabhängige + 5 Bonitätsunabhängige Angebote","Stand: 14.08.2026",[302,327,343,365,382,399,413,430,447,462,478,494,511,525,539,555,569,585,599,613,629,643,657,671,685,700,715,731,746],[303,311,315,318,321,324],{"content":304,"format":305},"Anbieter",{"alignment":306,"verticalAlignment":307,"backgroundColorLight":308,"backgroundColorDark":309,"header":236,"headerLevel":310},"left","middle","#DDEEFF","#1E293B","h1",{"content":312,"format":313},"Effektiv-\nzins p.a.",{"alignment":314,"verticalAlignment":307,"backgroundColorLight":308,"backgroundColorDark":309,"header":236,"headerLevel":310},"center",{"content":316,"format":317},"Mindest-\nkredit",{"alignment":314,"verticalAlignment":307,"backgroundColorLight":308,"backgroundColorDark":309,"header":236,"headerLevel":310},{"content":319,"format":320},"Maximal-\nkredit",{"alignment":314,"verticalAlignment":307,"backgroundColorLight":308,"backgroundColorDark":309,"header":236,"headerLevel":310},{"content":322,"format":323},"Laufzeit-\nAngebot\nin Monaten",{"alignment":314,"verticalAlignment":307,"backgroundColorLight":308,"backgroundColorDark":309,"header":236,"headerLevel":310},{"content":325,"format":326},"FMH-\nBewertung",{"alignment":314,"verticalAlignment":307,"backgroundColorLight":308,"backgroundColorDark":309,"header":236,"headerLevel":310},[328,332,335,337,339,341],{"content":329,"format":330,"rowspan":25,"colspan":331},"Zinsen für Beste Bonität",{"alignment":306,"verticalAlignment":307,"backgroundColorLight":308,"backgroundColorDark":309,"header":236,"headerLevel":310},6,{"content":333,"format":334},"",{"alignment":314,"verticalAlignment":307},{"content":333,"format":336},{"alignment":314,"verticalAlignment":307},{"content":333,"format":338},{"alignment":314,"verticalAlignment":307},{"content":333,"format":340},{"alignment":314,"verticalAlignment":307},{"content":333,"format":342},{"alignment":314,"verticalAlignment":307},[344,350,353,356,359,362],{"content":345,"format":346},"Openbank\nDeutschland",{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},"#F8FAFC","#334155","h2",{"content":351,"format":352},"2,99%",{"alignment":314,"verticalAlignment":307},{"content":354,"format":355},"1.000 €",{"alignment":314,"verticalAlignment":307},{"content":357,"format":358},"75.000 €",{"alignment":314,"verticalAlignment":307},{"content":360,"format":361},"12 - 96",{"alignment":314,"verticalAlignment":307},{"content":363,"format":364},"sehr gut",{"bold":236,"alignment":314,"verticalAlignment":307},[366,369,372,374,377,380],{"content":367,"format":368},"Deutsche Bank",{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":370,"format":371},"3,25%",{"alignment":314,"verticalAlignment":307},{"content":354,"format":373},{"alignment":314,"verticalAlignment":307},{"content":375,"format":376},"80.000 €",{"alignment":314,"verticalAlignment":307},{"content":378,"format":379},"12 - 120",{"alignment":314,"verticalAlignment":307},{"content":363,"format":381},{"bold":236,"alignment":314,"verticalAlignment":307},[383,386,389,392,394,397],{"content":384,"format":385},"Consors Finanz",{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":387,"format":388},"3,49%",{"alignment":314,"verticalAlignment":307},{"content":390,"format":391},"1.500 €",{"alignment":314,"verticalAlignment":307},{"content":375,"format":393},{"alignment":314,"verticalAlignment":307},{"content":395,"format":396},"6 - 120",{"alignment":314,"verticalAlignment":307},{"content":363,"format":398},{"bold":236,"alignment":314,"verticalAlignment":307},[400,403,405,407,409,411],{"content":401,"format":402},"Targobank",{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":387,"format":404},{"alignment":314,"verticalAlignment":307},{"content":390,"format":406},{"alignment":314,"verticalAlignment":307},{"content":375,"format":408},{"alignment":314,"verticalAlignment":307},{"content":360,"format":410},{"alignment":314,"verticalAlignment":307},{"content":363,"format":412},{"bold":236,"alignment":314,"verticalAlignment":307},[414,417,420,422,425,427],{"content":415,"format":416},"norisbank",{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":418,"format":419},"3,69%",{"alignment":314,"verticalAlignment":307},{"content":354,"format":421},{"alignment":314,"verticalAlignment":307},{"content":423,"format":424},"65.000 €",{"alignment":314,"verticalAlignment":307},{"content":378,"format":426},{"alignment":314,"verticalAlignment":307},{"content":428,"format":429},"gut",{"bold":236,"alignment":314,"verticalAlignment":307},[431,434,437,440,443,445],{"content":432,"format":433},"ING ",{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":435,"format":436},"3,99%",{"alignment":314,"verticalAlignment":307},{"content":438,"format":439},"5.000 €",{"alignment":314,"verticalAlignment":307},{"content":441,"format":442},"100.000 €",{"alignment":314,"verticalAlignment":307},{"content":378,"format":444},{"alignment":314,"verticalAlignment":307},{"content":428,"format":446},{"bold":236,"alignment":314,"verticalAlignment":307},[448,451,453,456,458,460],{"content":449,"format":450},"HypoVereinsbank",{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":435,"format":452},{"alignment":314,"verticalAlignment":307},{"content":454,"format":455},"2.500 €",{"alignment":314,"verticalAlignment":307},{"content":357,"format":457},{"alignment":314,"verticalAlignment":307},{"content":378,"format":459},{"alignment":314,"verticalAlignment":307},{"content":428,"format":461},{"bold":236,"alignment":314,"verticalAlignment":307},[463,466,469,471,473,476],{"content":464,"format":465},"Commerzbank",{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":467,"format":468},"4,44%",{"alignment":314,"verticalAlignment":307},{"content":390,"format":470},{"alignment":314,"verticalAlignment":307},{"content":441,"format":472},{"alignment":314,"verticalAlignment":307},{"content":474,"format":475},"6 - 119",{"alignment":314,"verticalAlignment":307},{"content":428,"format":477},{"bold":236,"alignment":314,"verticalAlignment":307},[479,482,485,487,489,491],{"content":480,"format":481},"SKG BANK",{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":483,"format":484},"4,69%",{"alignment":314,"verticalAlignment":307},{"content":454,"format":486},{"alignment":314,"verticalAlignment":307},{"content":441,"format":488},{"alignment":314,"verticalAlignment":307},{"content":378,"format":490},{"alignment":314,"verticalAlignment":307},{"content":492,"format":493},"befriedigend",{"bold":236,"alignment":314,"verticalAlignment":307},[495,498,501,503,506,509],{"content":496,"format":497},"Ikano Bank",{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":499,"format":500},"4,95%",{"alignment":314,"verticalAlignment":307},{"content":438,"format":502},{"alignment":314,"verticalAlignment":307},{"content":504,"format":505},"50.000 €",{"alignment":314,"verticalAlignment":307},{"content":507,"format":508},"24 - 84",{"alignment":314,"verticalAlignment":307},{"content":492,"format":510},{"bold":236,"alignment":314,"verticalAlignment":307},[512,515,517,519,521,523],{"content":513,"format":514,"rowspan":25,"colspan":331},"Zinsen für 2\u002F3 der Kunden ",{"alignment":306,"verticalAlignment":307,"backgroundColorLight":308,"backgroundColorDark":309,"header":236,"headerLevel":310},{"content":333,"format":516},{"alignment":314,"verticalAlignment":307,"backgroundColorLight":308,"backgroundColorDark":309,"header":236,"headerLevel":310},{"content":333,"format":518},{"alignment":314,"verticalAlignment":307,"backgroundColorLight":308,"backgroundColorDark":309,"header":236,"headerLevel":310},{"content":333,"format":520},{"alignment":314,"verticalAlignment":307,"backgroundColorLight":308,"backgroundColorDark":309,"header":236,"headerLevel":310},{"content":333,"format":522},{"alignment":314,"verticalAlignment":307,"backgroundColorLight":308,"backgroundColorDark":309,"header":236,"headerLevel":310},{"content":333,"format":524},{"alignment":314,"verticalAlignment":307,"backgroundColorLight":308,"backgroundColorDark":309,"header":236,"headerLevel":310},[526,528,531,533,535,537],{"content":449,"format":527},{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":529,"format":530},"5,79%",{"alignment":314,"verticalAlignment":307},{"content":454,"format":532},{"alignment":314,"verticalAlignment":307},{"content":357,"format":534},{"alignment":314,"verticalAlignment":307},{"content":378,"format":536},{"alignment":314,"verticalAlignment":307},{"content":363,"format":538},{"bold":236,"alignment":314,"verticalAlignment":307},[540,543,546,548,550,553],{"content":541,"format":542},"BBBank eG*",{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":544,"format":545},"5,99%",{"alignment":314,"verticalAlignment":307},{"content":438,"format":547},{"alignment":314,"verticalAlignment":307},{"content":357,"format":549},{"alignment":314,"verticalAlignment":307},{"content":551,"format":552},"24 - 120",{"alignment":314,"verticalAlignment":307},{"content":363,"format":554},{"bold":236,"alignment":314,"verticalAlignment":307},[556,558,561,563,565,567],{"content":480,"format":557},{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":559,"format":560},"6,59%",{"alignment":314,"verticalAlignment":307},{"content":454,"format":562},{"alignment":314,"verticalAlignment":307},{"content":441,"format":564},{"alignment":314,"verticalAlignment":307},{"content":378,"format":566},{"alignment":314,"verticalAlignment":307},{"content":363,"format":568},{"bold":236,"alignment":314,"verticalAlignment":307},[570,573,576,579,581,583],{"content":571,"format":572},"Bank of Scotland",{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":574,"format":575},"6,49%",{"alignment":314,"verticalAlignment":307},{"content":577,"format":578},"3.000 €",{"alignment":314,"verticalAlignment":307},{"content":504,"format":580},{"alignment":314,"verticalAlignment":307},{"content":507,"format":582},{"alignment":314,"verticalAlignment":307},{"content":363,"format":584},{"bold":236,"alignment":314,"verticalAlignment":307},[586,588,591,593,595,597],{"content":464,"format":587},{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":589,"format":590},"6,64%",{"alignment":314,"verticalAlignment":307},{"content":390,"format":592},{"alignment":314,"verticalAlignment":307},{"content":441,"format":594},{"alignment":314,"verticalAlignment":307},{"content":474,"format":596},{"alignment":314,"verticalAlignment":307},{"content":428,"format":598},{"bold":236,"alignment":314,"verticalAlignment":307},[600,602,605,607,609,611],{"content":401,"format":601},{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":603,"format":604},"6,95%",{"alignment":314,"verticalAlignment":307},{"content":390,"format":606},{"alignment":314,"verticalAlignment":307},{"content":375,"format":608},{"alignment":314,"verticalAlignment":307},{"content":360,"format":610},{"alignment":314,"verticalAlignment":307},{"content":428,"format":612},{"bold":236,"alignment":314,"verticalAlignment":307},[614,617,620,623,625,627],{"content":615,"format":616},"SWK Bank",{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":618,"format":619},"7,29%",{"alignment":314,"verticalAlignment":307},{"content":621,"format":622},"7.500 €",{"alignment":314,"verticalAlignment":307},{"content":441,"format":624},{"alignment":314,"verticalAlignment":307},{"content":551,"format":626},{"alignment":314,"verticalAlignment":307},{"content":428,"format":628},{"bold":236,"alignment":314,"verticalAlignment":307},[630,632,635,637,639,641],{"content":345,"format":631},{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":633,"format":634},"7,27%",{"alignment":314,"verticalAlignment":307},{"content":354,"format":636},{"alignment":314,"verticalAlignment":307},{"content":357,"format":638},{"alignment":314,"verticalAlignment":307},{"content":360,"format":640},{"alignment":314,"verticalAlignment":307},{"content":428,"format":642},{"bold":236,"alignment":314,"verticalAlignment":307},[644,646,649,651,653,655],{"content":432,"format":645},{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":647,"format":648},"7,54%",{"alignment":314,"verticalAlignment":307},{"content":438,"format":650},{"alignment":314,"verticalAlignment":307},{"content":441,"format":652},{"alignment":314,"verticalAlignment":307},{"content":378,"format":654},{"alignment":314,"verticalAlignment":307},{"content":428,"format":656},{"bold":236,"alignment":314,"verticalAlignment":307},[658,660,663,665,667,669],{"content":415,"format":659},{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":661,"format":662},"7,90%",{"alignment":314,"verticalAlignment":307},{"content":354,"format":664},{"alignment":314,"verticalAlignment":307},{"content":423,"format":666},{"alignment":314,"verticalAlignment":307},{"content":378,"format":668},{"alignment":314,"verticalAlignment":307},{"content":492,"format":670},{"bold":236,"alignment":314,"verticalAlignment":307},[672,675,677,679,681,683],{"content":673,"format":674,"rowspan":25,"colspan":331},"Bonitätsunabhängige Zinsen",{"alignment":306,"verticalAlignment":307,"backgroundColorLight":308,"backgroundColorDark":309,"header":236,"headerLevel":310},{"content":333,"format":676},{"alignment":314,"verticalAlignment":307,"backgroundColorLight":308,"backgroundColorDark":309,"header":236,"headerLevel":310},{"content":333,"format":678},{"alignment":314,"verticalAlignment":307,"backgroundColorLight":308,"backgroundColorDark":309,"header":236,"headerLevel":310},{"content":333,"format":680},{"alignment":314,"verticalAlignment":307,"backgroundColorLight":308,"backgroundColorDark":309,"header":236,"headerLevel":310},{"content":333,"format":682},{"alignment":314,"verticalAlignment":307,"backgroundColorLight":308,"backgroundColorDark":309,"header":236,"headerLevel":310},{"content":333,"format":684},{"alignment":314,"verticalAlignment":307,"backgroundColorLight":308,"backgroundColorDark":309,"header":236,"headerLevel":310},[686,689,692,694,696,698],{"content":687,"format":688},"EthikBank",{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":690,"format":691},"5,54%",{"alignment":314,"verticalAlignment":307},{"content":438,"format":693},{"alignment":314,"verticalAlignment":307},{"content":504,"format":695},{"alignment":314,"verticalAlignment":307},{"content":507,"format":697},{"alignment":314,"verticalAlignment":307},{"content":363,"format":699},{"bold":236,"alignment":314,"verticalAlignment":307},[701,704,707,709,711,713],{"content":702,"format":703},"PSD Bank West**",{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":705,"format":706},"5,63%",{"alignment":314,"verticalAlignment":307},{"content":454,"format":708},{"alignment":314,"verticalAlignment":307},{"content":504,"format":710},{"alignment":314,"verticalAlignment":307},{"content":360,"format":712},{"alignment":314,"verticalAlignment":307},{"content":363,"format":714},{"bold":236,"alignment":314,"verticalAlignment":307},[716,719,722,724,726,729],{"content":717,"format":718},"Deutsche Skatbank",{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":720,"format":721},"5,69%",{"alignment":314,"verticalAlignment":307},{"content":577,"format":723},{"alignment":314,"verticalAlignment":307},{"content":504,"format":725},{"alignment":314,"verticalAlignment":307},{"content":727,"format":728},"12 - 84",{"alignment":314,"verticalAlignment":307},{"content":363,"format":730},{"bold":236,"alignment":314,"verticalAlignment":307},[732,735,737,739,742,744],{"content":733,"format":734},"PSD Bank Rhein-Ruhr**",{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":544,"format":736},{"alignment":314,"verticalAlignment":307},{"content":454,"format":738},{"alignment":314,"verticalAlignment":307},{"content":740,"format":741},"60.000 €",{"alignment":314,"verticalAlignment":307},{"content":378,"format":743},{"alignment":314,"verticalAlignment":307},{"content":428,"format":745},{"bold":236,"alignment":314,"verticalAlignment":307},[747,750,753,755,757,759],{"content":748,"format":749},"DKB Deutsche Kreditbank ",{"alignment":306,"verticalAlignment":307,"backgroundColorLight":347,"backgroundColorDark":348,"header":236,"headerLevel":349},{"content":751,"format":752},"6,79%",{"alignment":314,"verticalAlignment":307},{"content":454,"format":754},{"alignment":314,"verticalAlignment":307},{"content":441,"format":756},{"alignment":314,"verticalAlignment":307},{"content":378,"format":758},{"alignment":314,"verticalAlignment":307},{"content":492,"format":760},{"bold":236,"alignment":314,"verticalAlignment":307},[762,764,765,766,767,768],{"visibility":763},"both",{"visibility":763},{"visibility":763},{"visibility":763},{"visibility":763},{"visibility":763},[],{"slug":771,"title":295,"providers":772},"die-besten-ratenkredite-handelsblatt",[773,774],"fmh","handelsblatt",{"id":776,"uid":777,"url":778,"type":779,"href":780,"tags":781,"first_publication_date":782,"last_publication_date":782,"slugs":783,"linked_documents":785,"lang":13,"alternate_languages":786,"data":787},"an7lRxEAAC4A2U7S","die-besten-ratenkredite-handelsblatt-2026","\u002Fsiegel\u002F2026\u002Fdie-besten-ratenkredite-handelsblatt-2026","auszeichnung","https:\u002F\u002Ffmh-finanzberater.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=aplcxxEAAC4A3_Ol&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22an7lRxEAAC4A2U7S%22%29+%5D%5D",[],"2026-09-03T09:12:18+0000",[784],"ziel-der-auszeichnung",[],[],{"uid_admin_tool":771,"siegel_jahr_referenz":788,"slices":798,"meta_title":950,"meta_description":951,"meta_image":952},{"id":789,"type":790,"tags":791,"lang":13,"slug":792,"first_publication_date":793,"last_publication_date":794,"uid":795,"url":796,"link_type":42,"key":797,"isBroken":44},"aXIbVREAACEA7KsG","siegel_jahr",[],"siegel-2026","2026-01-22T12:43:18+0000","2026-01-27T15:15:17+0000","2026","\u002Fsiegel\u002F2026","d5ee35f1-b1e8-40c5-bc31-2e23f4c7f9f0",[799,813],{"variation":800,"version":801,"items":802,"primary":803,"id":811,"slice_type":812,"slice_label":5},"default","initial",[],{"title":295,"description":804},[805,808],{"type":159,"text":806,"spans":807,"direction":162},"Das Handelsblatt hat die FMH-Finanzberatung mit der Auswertung von Ratenkreditangeboten beauftragt. Grundlage der Auszeichnung ist eine unabhängige Analyse der FMH-Finanzberatung.",[],{"type":159,"text":809,"spans":810,"direction":162},"Untersucht wurden Ratenkredite über 15.000 Euro mit einer Laufzeit von 48 Monaten. In die Bewertung flossen insbesondere der effektive Jahreszins, das verfügbare Laufzeitangebot sowie besondere Konditionen der Anbieter ein.",[],"hero_award_details$a34aa1fe-ae3f-417e-a94e-5cf65f23427c","hero_award_details",{"variation":800,"version":801,"items":814,"primary":815,"id":948,"slice_type":949,"slice_label":5},[],{"title":5,"textblock":816,"description":5},[817,821,824,827,829,832,839,844,849,853,858,863,865,868,872,875,878,881,884,887,890,894,899,904,907,910,913,916,919,922,925,927,930,933,936,939,942,945],{"type":818,"text":819,"spans":820,"direction":162},"heading2","Ziel der Auszeichnung",[],{"type":159,"text":822,"spans":823,"direction":162},"Die Auszeichnung bietet Verbraucherinnen und Verbrauchern Orientierung bei der Auswahl eines Ratenkredits. Betrachtet wurden sowohl bonitätsabhängige als auch bonitätsunabhängige Kreditangebote.",[],{"type":159,"text":825,"spans":826,"direction":162},"Durch einheitliche Vorgaben zu Kreditsumme und Laufzeit lassen sich die Konditionen der Anbieter gegenüberstellen. Zusätzlich berücksichtigt die Auswertung Bedingungen, die die tatsächliche Verfügbarkeit oder Attraktivität des jeweiligen Angebots beeinflussen können.",[],{"type":159,"text":333,"spans":828,"direction":162},[],{"type":818,"text":830,"spans":831,"direction":162},"Untersuchungsdesign im Überblick",[],{"type":833,"text":834,"spans":835,"direction":162},"list-item","Redaktion: Handelsblatt",[836],{"start":24,"end":837,"type":838},10,"strong",{"type":833,"text":840,"spans":841,"direction":162},"Datenstand: 13.08.2026",[842],{"start":24,"end":843,"type":838},11,{"type":833,"text":845,"spans":846,"direction":162},"Anzahl untersuchter Anbieter: 21 Angebote insgesamt: 16 bonitätsabhängige und 5 bonitätsunabhängige Angebote",[847],{"start":24,"end":848,"type":838},29,{"type":833,"text":850,"spans":851,"direction":162},"Untersuchte Produktkategorie: Ratenkredite",[852],{"start":24,"end":848,"type":838},{"type":833,"text":854,"spans":855,"direction":162},"Art der Datenerhebung: Anbieterabfrage, eigene Recherche und Konditionenübermittlung durch die Anbieter",[856],{"start":24,"end":857,"type":838},22,{"type":833,"text":859,"spans":860,"direction":162},"Grundannahme: Ratenkredit über 15.000 Euro mit einer Laufzeit von 48 Monaten; bei bonitätsabhängigen Angeboten wurden Konditionen für die beste Bonität sowie für mindestens zwei Drittel der Kundinnen und Kunden betrachtet",[861],{"start":24,"end":862,"type":838},13,{"type":159,"text":333,"spans":864,"direction":162},[],{"type":818,"text":866,"spans":867,"direction":162},"So wurde bewertet",[],{"type":869,"text":870,"spans":871,"direction":162},"heading3","Datenerhebung",[],{"type":833,"text":873,"spans":874,"direction":162},"Abfrage relevanter Konditionen bei den Anbietern",[],{"type":833,"text":876,"spans":877,"direction":162},"Recherche öffentlich verfügbarer Kreditkonditionen",[],{"type":833,"text":879,"spans":880,"direction":162},"Berücksichtigung von Konditionen, die von den Anbietern übermittelt wurden",[],{"type":833,"text":882,"spans":883,"direction":162},"Strukturierte Auswertung nach einheitlichen Kriterien",[],{"type":833,"text":885,"spans":886,"direction":162},"Berücksichtigung ausschließlich nachvollziehbarer recherchierter oder gemeldeter Konditionen",[],{"type":869,"text":888,"spans":889,"direction":162},"Bewertete Kriterien",[],{"type":833,"text":891,"spans":892,"direction":162},"Effektiver Jahreszins ",[893],{"start":24,"end":857,"type":838},{"type":833,"text":895,"spans":896,"direction":162},"Laufzeitangebot",[897],{"start":24,"end":898,"type":838},15,{"type":833,"text":900,"spans":901,"direction":162},"Besondere Konditionen und Voraussetzungen",[902],{"start":24,"end":903,"type":838},41,{"type":869,"text":905,"spans":906,"direction":162},"Vergleichbarkeit",[],{"type":833,"text":908,"spans":909,"direction":162},"Für alle Angebote wurde ein einheitlicher Musterkredit über 15.000 Euro zugrunde gelegt.",[],{"type":833,"text":911,"spans":912,"direction":162},"Die vorgesehene Laufzeit betrug einheitlich 48 Monate.",[],{"type":833,"text":914,"spans":915,"direction":162},"Bonitätsabhängige und bonitätsunabhängige Angebote wurden entsprechend ihrer jeweiligen Zinsgestaltung berücksichtigt.",[],{"type":833,"text":917,"spans":918,"direction":162},"Bei bonitätsabhängigen Krediten wurden sowohl die Konditionen bei bester Bonität als auch die für mindestens zwei Drittel der Kundinnen und Kunden geltenden Konditionen betrachtet.",[],{"type":833,"text":920,"spans":921,"direction":162},"Besondere Voraussetzungen und Einschränkungen wurden zusätzlich einbezogen, damit nicht nur der Zinssatz, sondern auch die tatsächlichen Nutzungsbedingungen vergleichbar werden.",[],{"type":833,"text":923,"spans":924,"direction":162},"Berücksichtigt wurden nur nachvollziehbare Konditionen aus Recherche, Anbieterabfrage oder Konditionenübermittlung.",[],{"type":159,"text":333,"spans":926,"direction":162},[],{"type":818,"text":928,"spans":929,"direction":162},"Besonderheiten dieser Auszeichnung",[],{"type":833,"text":931,"spans":932,"direction":162},"Gemeinsame Betrachtung von 16 bonitätsabhängigen und 5 bonitätsunabhängigen Kreditangeboten",[],{"type":833,"text":934,"spans":935,"direction":162},"Einheitlicher Musterfall mit 15.000 Euro Kreditsumme und 48 Monaten Laufzeit",[],{"type":833,"text":937,"spans":938,"direction":162},"Differenzierte Bewertung bonitätsabhängiger Angebote anhand der besten verfügbaren Konditionen und der Konditionen für mindestens zwei Drittel der Kundinnen und Kunden",[],{"type":833,"text":940,"spans":941,"direction":162},"Berücksichtigung zusätzlicher Voraussetzungen neben dem Effektivzins",[],{"type":833,"text":943,"spans":944,"direction":162},"Einbeziehung von Bedingungen wie Girokontobindung, Zinsrabatten oder Einschränkungen bei bestimmten Kreditsummen",[],{"type":833,"text":946,"spans":947,"direction":162},"Kombination aus Anbieterabfrage, eigener Recherche und übermittelten Konditionen",[],"text_section$f2550e31-fcd8-496c-9012-f0308b97bdf9","text_section","Die besten Ratenkredite 2026 | FMH","Handelsblatt und FMH-Finanzberatung haben 21 Ratenkreditangebote bewertet – mit Blick auf Effektivzins, Laufzeiten und besondere Konditionen.",{}]