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Annuitätsdarlehen Berechnen: 83907 Euro, 4% Zinsen, 20 Jahre Laufzeit mit Tilgungsplan
Published on August 29, 2026
Word-Problem
Erfahren Sie, wie Sie die konstante Annuität für ein Darlehen von 83.907 Euro bei 4 Prozent Zinssatz und 20 Jahren Laufzeit berechnen, inklusive einer vollständigen Auswertungstabelle mit Zins- und Tilgungsanteilen.
Question
Annuitätsdarlehen € 83907,00, Zinssatz 4 %/a, Laufzeit 20 Jahre, Auswertung-Tabelle
Answer
To solve for an annuity loan (Annuitätsdarlehen), we need to calculate the constant annual payment (annuity) and then create an amortization table.
1. Given Data
- Principal (
): - Annual Interest Rate (
): or - Term (
): years
2. Calculation of the Annual Annuity (
The formula for the constant annuity is:
Plugging in the values:
The constant annual payment is
3. Amortization Table (Evaluation Table)
In an annuity loan, the payment remains constant, but the proportion of interest decreases and the proportion of principal repayment increases over time.
Calculation Logic per year:
- Interest (
): - Repayment (
): - New Balance:
| Year | Remaining Balance (Start) | Annuity (
|
Interest (
|
Repayment (
|
Remaining Balance (End) |
|---|---|---|---|---|---|
| 1 |
|
|
|
|
|
| 2 |
|
|
|
|
|
| 3 |
|
|
|
|
|
| 4 |
|
|
|
|
|
| 5 |
|
|
|
|
|
| … | … | … | … | … | … |
| 10 |
|
|
|
|
|
| … | … | … | … | … | … |
| 15 |
|
|
|
|
|
| … | … | … | … | … | … |
| 19 |
|
|
|
|
|
| 20 |
|
|
|
|
|
4. Summary
- Total Payment:
- Total Interest Paid: