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Feste Zinsbindung versus kurzfristig variable Zinskonditionen in Deutschland

Author

Listed:
  • Clostermann, Jörg
  • Seitz, Franz

Abstract

Wir stellen einer festen Zinsbindung von 10 Jahren bei Wohnungsbaukrediten eine monatliche an einem Kurzfristzins angepassten Zinsbelastung bei unterschiedlichen Rückzahlungsfristen gegenüber. Dafür werten wir Monatsdaten seit den 1950er Jahren für Deutschland aus. Damit greifen wir mehrere Zinszyklen, Zinserhöhungs- und Zinssenkungsphasen ab. Im Ergebnis finden wir, dass in der überwiegenden Mehrzahl der Fälle kurzfristig variable Zinsen eine geringere Zinsbelastung nach sich ziehen. Und diese weisen auch noch geringere Schwankungen auf.

Suggested Citation

  • Clostermann, Jörg & Seitz, Franz, 2018. "Feste Zinsbindung versus kurzfristig variable Zinskonditionen in Deutschland," Weidener Diskussionspapiere 62, University of Applied Sciences Amberg-Weiden (OTH).
    • Handle: RePEc:zbw:hawdps:62
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    File URL: https://www.econstor.eu/bitstream/10419/183137/1/1031804730.pdf
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    Cited by:

    1. Jörg Clostermann & Franz Seitz, 2020. "Effektivverzinsung und Volatilität bei Finanzierung mit Zinsbindung und variablen Zinsen [Effective interest rates and volatility for fixed-rate and adjustable-rate mortages]," Zeitschrift für Immobilienökonomie (German Journal of Real Estate Research), Springer;Gesellschaft für Immobilienwirtschaftliche Forschung e. V., vol. 6(1), pages 29-46, April.

    More about this item

    Keywords

    Zinsbindung; Zinsspread; Zinsen;
    All these keywords.

    JEL classification:

    • E43 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Interest Rates: Determination, Term Structure, and Effects
    • E47 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Forecasting and Simulation: Models and Applications
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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