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    <Prepared>2026-04-28T10:52:17</Prepared>
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    <bbk:Series FREQ="M" BBK_ID="BBIM1.M.DE.B.A2Z.A.R.A.2250.EUR.N" DECIMALS="2" UNIT="% p.a." UNIT_MULT="0" BBK_TITLE="Effektivzinssätze Banken DE / Neugeschäft / Revolvierende Kredite und Überziehungskredite, Kreditkartenkredite an private Haushalte / SUD186" BBK_TITLE_ENG="Effective interest rates of German banks / New business / Revolving loans and overdrafts, convenience and extended credit card debt to households / SUD186" BBK_COMM_GEN="Die auf harmonisierter Basis im Euro-Währungsgebiet erhobene MFI-Zinsstatistik wird in Deutschland als Stichprobenerhebung (geschichtete Stichprobe) durchgeführt. Das Neugeschäft wird aus Vereinfachungsgründen wie die Bestände zeitpunktbezogen erfasst. Das bedeutet, dass sämtliche Kreditgeschäfte die am letzten Tag des Meldemonats bestehen, in die Berechnung der Durchschnittszinsen einbezogen werden. Volumengewichteter Durchschnittssatz des Bestandes zum Monatsende. (Bis Mai 2010 wurde der Aggregatszinssatz als mit den in der monatlichen Bilanzstatistik gemeldeten Beständen gewichteter Zinssatz berechnet. Ab Juni 2010 wird zunächst ein mit den in der monatlichen Bilanzstatistik gemeldeten Beständen gewichteter Zinssatz pro Schicht berechnet. Der Aggregatszinssatz wird ermittelt, indem die Schichtenzinssätze mit dem Gesamtbestand der jeweiligen Schicht gewichtet werden.) Die Effektivzinssätze können grundsätzlich als annualisierte vereinbarte Jahreszinssätze (AVJ) oder als eng definierte Effektivzinssätze (NDER) ermittelt werden. Beide Berechnungsmethoden umfassen sämtliche Zinszahlungen auf Einlagen und Kredite, jedoch keine eventuell anfallenden sonstigen Kosten, wie z.B. für Anfragen, Verwaltung, Erstellung der Dokumente, Garantien und Kreditversicherungen. Der einzige Unterschied zwischen dem AVJ und dem NDER ist die zu Grunde liegende Methode zur Annualisierung von Zinszahlungen. Revolvierende Kredite besitzen alle folgenden Eigenschaften: 1) der Kreditnehmer kann die Mittel bis zu einem im Voraus genehmigten Kreditlimit nutzen oder abheben, ohne den Kreditgeber davon im Voraus in Kenntnis zu setzen; 2) der verfügbare Kreditbetrag kann sich mit Aufnahme und Rückzahlung von Krediten erhöhen bzw. verrringern; 3) der Kredit kann wiederholt genutzt werden; 4) es besteht keine Pflicht zu regelmäßiger Rückzahlung der Mittel. Überziehungskredite sind als Sollsalden auf laufenden Konten definiert. Zu den Überziehungskrediten zählen eingeräumte und nicht eingeräumte Dispositionskredite sowie Kontokorrentkredite. Kreditkartenkredite: Unter einem unechten Kreditkartenkredit ist die Stundung der Kreditkartenforderungen, die während der Abrechnungsperiode zusammenkommen, zu verstehen. In dieser Phasewerden üblicherweise keine Sollzinsen in Rechnung gestellt. Sobald dem Kreditkartenbesitzer die Rechnung zugestellt wird und dieser den Rechnungsbetrag nicht bis zum angegebenen Termin begleicht, sondern der Betrag auf dem Kreditkartenkonto verbleibt, wird der unechte zum echten Kreditkartenkredit. Für diesen wird der entsprechende Sollzins erhoben. Häufig sind Mindestmonatsraten zu leisten, um echte Kredite damit (zumindest teilweise) zurückzuzahlen." BBK_COMM_GEN_ENG="The MFI interest rate statistics gathered on a harmonised basis in the euro area are collected in Germany on a sample basis (stratified sample). New business is collected in the same way as outstanding amounts for the sake of simplicity. This means that all outstanding lending business at the end of the month has to be incorporated in the calculation of average rates of interest. Volume-weighted average interest rates on outstanding amounts as end-of-period. (Up to May 2010 the aggregated interest rate was calculated by weighting the reported interest rates with the corresponding outstanding amounts from balance sheet statistics reports. From June 2010 interest rates per stratum are calculated by weighting the reported interest rates with the corresponding outstanding amounts. Then the interest rate for Germany is aggregated by weighting the interest rates of each stratum with the total outstanding amounts of the same stratum.) The effective interest rates are calculated either as annualised agreed interest rates or as narrowly defined effective rates. Both calculation methods cover all interest payments on deposits and loans but not any other related charges which may occur for enquiries, administration, preparation of the documents, guarantees and credit insurance. Revolving loans are loans that have all the following features: 1) the borrowers may use or withdraw funds to a pre-approved credit limit without giving prior notice to the lender; 2) the amount of available credit can increase and decrease as funds are borrowed and repaid; 3) the credit may be used repeatedly; 4) there is no obligation of regular repayment of funds. Overdrafts are defined as debit balances on current accounts. They include all bank overdrafts regardless of whether they are within or beyond the limits agreed between customers and the bank. Credit card debt: Convenience credit is defined as the credit granted at an interest rate of 0% in the period between the payment transactions effectuated with the card during one billing cycle and the date at which the debt balances from this specific billing cycle become due. Extended credit is defined as the credit granted after the due date of the previous billing cycle has passed, i.e. debit amounts on the card account that have not been settled when this was first possible, for which an interest rate usually greater than 0% is charged. Often minimum instalments per month have to be made, to at least partially repay extended credit.">
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</CompactData>
