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Die Höhe der Zinsen für ausgegebene Kredite ist abhängig von der aktuellen Wirtschaftslage und schwankt daher. Das aktuelle Zinsniveau wird zudem maßgeblich von den Maßnahmen der Zentralbank beeinflusst. Das in diesem Rahmen gebildete Zinsniveau richtet sich dann nach Laufzeit und Risiko, das der Geldgeber eingeht. Die Effektivzinssätze passen sich dem Zinsniveau an.
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