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Zinsanpassung.pdf
www.berliner-sparkasse.de/content/dam/myif/berliner-sk/work/dokumente/pdf/vertragsbedingungen/Zinsanpassung.pdf
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sĞƌĨĂŚƌĞŶĚĞƌŝŶƐĂŶƉĂƐƐƵŶŐďĞŝǀĂƌŝĂďĞůǀĞƌnjŝŶƐƚĞŶ^ƉĂƌǀĞƌƚƌćŐĞŶ
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sĞƌĨĂŚƌĞŶĚĞƌŝŶƐĂŶƉĂƐƐƵŶŐďĞŝǀĂƌŝĂďĞůǀĞƌnjŝŶƐƚĞŶ^ƉĂƌǀĞƌƚƌćŐĞŶ
,ŝĞƌĞƌŚĂůƚĞŶ^ŝĞ/ŶĨŽƌŵĂƚŝŽŶĞŶnjƵŵsĞƌĨĂŚƌĞŶĚĞƌŝŶƐĂŶƉĂƐƐƵŶŐďĞŝĚĞŶǀĂƌŝĂďĞůǀĞƌnjŝŶƐƚĞŶ
^ƉĂƌǀĞƌƚƌćŐĞŶsŽƌƐŽƌŐĞƐƉĂƌĞŶ͕ŝĞůƐƉĂƌĞŶƵŶĚs>Ͳ^ƉĂƌĞŶ͘
ŝĞŝŶƐĂŶƉĂƐƐƵŶŐƌŝĐŚƚĞƚƐŝĐŚŶĂĐŚĞŝŶĞƌsĞƌćŶĚĞƌƵŶŐĚĞƐZĞĨĞƌĞŶnjnjŝŶƐƐĂƚnjĞƐ͘ĞƌZĞĨĞƌĞŶnjnjŝŶƐƐĂƚnjŝƐƚĚĞƌ
ĂŵYƵĂƌƚĂůƐĞŶĚĞĞƌŵŝƚƚĞůƚĞŐĞǁŝĐŚƚĞƚĞƵŶĚĂƵĨnjǁĞŝ^ƚĞůůĞŶŚŝŶƚĞƌĚĞŵ<ŽŵŵĂŬĂƵĨŵćŶŶŝƐĐŚŐĞƌƵŶĚĞƚĞ
tĞƌƚ͘ĞƌĂŬƚƵĞůůĞZĞĨĞƌĞŶnjnjŝŶƐƐĂƚnjƵŶĚƌĞĐŚŶĞƌŝƐĐŚĞWƌŽĚƵŬƚnjŝŶƐǁĞƌĚĞŶŝŵWƌĞŝƐĂƵƐŚĂŶŐǀĞƌƂĨĨĞŶƚůŝĐŚƚ͘
ĞƌZĞĨĞƌĞŶnjnjŝŶƐƐĂƚnjǁŝƌĚŐĞŵćƘĚĞƌĨŽůŐĞŶĚĞŶĂƐŝƐǁĞƌƚĞƵŶĚ'ĞǁŝĐŚƚƵŶŐĞŶĞƌƌĞĐŚŶĞƚ͗
&ƺƌsĞƌƚƌćŐĞĂďĚĞŵϬϭ͘Ϭϭ͘ϮϬϭϴ͗
ϱϬйŐůĞŝƚĞŶĚĞƌϯͲDŽŶĂƚƐnjŝŶƐ; hZ/KZͿ
ϱϬйŐůĞŝƚĞŶĚĞƌϭϬͲ:ĂŚƌĞƐnjŝŶƐ
&ƺƌsĞƌƚƌćŐĞǀŽƌĚĞŵϬϭ͘Ϭϭ͘ϮϬϭϴ͗
ϭϱйŐůĞŝƚĞŶĚĞƌϯͲDŽŶĂƚƐnjŝŶƐ; hZ/KZͿ
ϰϬйŐůĞŝƚĞŶĚĞƌϯͲ:ĂŚƌĞƐnjŝŶƐ
ϭϬйŐůĞŝƚĞŶĚĞƌϰͲ:ĂŚƌĞƐnjŝŶƐ
ϯϱйŐůĞŝƚĞŶĚĞƌϭϬͲ:ĂŚƌĞƐnjŝŶƐ
ŝĞ^ƉĂƌŬĂƐƐĞǁŝƌĚĚŝĞ ŶƚǁŝĐŬůƵŶŐĚĞƐZĞĨĞƌĞŶnjnjŝŶƐƐĂƚnjĞƐƌĞŐĞůŵćƘŝŐĂďĚĞŵĞƌƐƚĞŶďŝƐƐƉćƚĞƐƚĞŶƐ
njĞŚŶƚĞŶĂŶŬĂƌďĞŝƚƐƚĂŐĚĞƐYƵĂƌƚĂůƐƵŶƚĞƌ ŝŶďĞnjŝĞŚƵŶŐĚĞƌĂŚůĞŶĚĞƐsŽƌƋƵĂƌƚĂůƐƺďĞƌƉƌƺĨĞŶ͘
,ĂƚƐŝĐŚnjƵĚŝĞƐĞŵĞŝƚƉƵŶŬƚĚĞƌZĞĨĞƌĞŶnjnjŝŶƐƐĂƚnjƵŵŵŝŶĚĞƐƚĞŶƐϬ͕ϱWƌŽnjĞŶƚƉƵŶŬƚĞŐĞŐĞŶƺďĞƌƐĞŝŶĞŵ
ŵĂƘŐĞďůŝĐŚĞŶtĞƌƚďĞŝsĞƌƚƌĂŐƐĂďƐĐŚůƵƐƐďnjǁ͘ĚĞƌůĞƚnjƚĞŶŝŶƐĂŶƉĂƐƐƵŶŐǀĞƌćŶĚĞƌƚ͕ƐŝŶŬƚŽĚĞƌƐƚĞŝŐƚĚĞƌ
ƌĞĐŚŶĞƌŝƐĐŚĞWƌŽĚƵŬƚnjŝŶƐƵŵĞďĞŶƐŽǀŝĞůĞWƌŽnjĞŶƚƉƵŶŬƚĞŵŝƚtŝƌŬƵŶŐnjƵŵϭϱ͘ĚĞƐũĞǁĞŝůŝŐĞŶDŽŶĂƚƐ
ƵŶƚĞƌĞƌƺĐŬƐŝĐŚƚŝŐƵŶŐĨŽůŐĞŶĚĞƌWƵŶŬƚĞ͗
ͻ ŝĞ^ƉĂƌŬĂƐƐĞŬĂŶŶǀŽƌƺďĞƌŐĞŚĞŶĚƵŶĚƵŶǀĞƌďŝŶĚůŝĐŚnjƵŐƵŶƐƚĞŶĚĞƐ^ƉĂƌĞƌƐĂƵĨĚŝĞ^ĞŶŬƵŶŐĚĞƐ
ĂŬƚƵĞůůĞŶWƌŽĚƵŬƚnjŝŶƐƐĂƚnjĞƐǀĞƌnjŝĐŚƚĞŶ͘
ͻ ĂƐŝƐĨƺƌŬƺŶĨƚŝŐĞŝŶƐĂŶƉĂƐƐƵŶŐĞŶŝƐƚũĞĚŽĐŚĂƵƐƐĐŚůŝĞƘůŝĐŚĚĞƌƐŝĐŚĂƵƐĚĞƌ ŶƚǁŝĐŬůƵŶŐĚĞƐ
ZĞĨĞƌĞŶnjnjŝŶƐƐĂƚnjĞƐĞƌŐĞďĞŶĚĞƌĞĐŚŶĞƌŝƐĐŚĞWƌŽĚƵŬƚnjŝŶƐ͖ĚĞƌsĞƌnjŝĐŚƚĚĞƌ^ƉĂƌŬĂƐƐĞďůĞŝďƚ
ƵŶďĞƌƺĐŬƐŝĐŚƚŝŐƚ͘
ͻ ŝĞ^ƉĂƌŬĂƐƐĞŝƐƚďĞƌĞĐŚƚŝŐƚ͕ĚŝĞƐĞŶsĞƌnjŝĐŚƚũĞĚĞƌnjĞŝƚƵŶĚŽŚŶĞŶŐĂďĞǀŽŶ'ƌƺŶĚĞŶŵŝƚtŝƌŬƵŶŐ
ĨƺƌĚŝĞƵŬƵŶĨƚĂƵĨnjƵŐĞďĞŶ͘
ͻ /ŵ&ĂůůĞĞŝŶĞƌĚĂƵĞƌŶĚĞŶEŝĞĚƌŝŐnjŝŶƐƉŚĂƐĞŬĂŶŶƐŝĐŚĞŝŶŶĞŐĂƚŝǀĞƌƌĞĐŚŶĞƌŝƐĐŚĞƌWƌŽĚƵŬƚnjŝŶƐ
ĞƌƌĞĐŚŶĞŶ͘ƵƐĚŝĞƐĞŵ'ƌƵŶĚǁŝƌĚĚĞŵ<ƵŶĚĞŶĞŝŶĞDŝŶĚĞƐƚǀĞƌnjŝŶƐƵŶŐŝŶ,ƂŚĞǀŽŶϬ͕ϬϬϭйƉ͘Ă͘
ŐĂƌĂŶƚŝĞƌƚ͘ŝĞƋƵĂƌƚĂůƐǁĞŝƐĞmďĞƌƉƌƺĨƵŶŐĚĞƐZĞĨĞƌĞŶnjnjŝŶƐƐĂƚnjĞƐǁŝƌĚĚĂďĞŝŶĂĐŚĚĞŵnjƵǀŽƌ
ďĞƐĐŚƌŝĞďĞŶĞŶsĞƌĨĂŚƌĞŶǁĞŝƚĞƌŐĞĨƺŚƌƚ͘
^ĞŝƚĞϭǀŽŶϯ
ƌŵŝƚƚůƵŶŐĚĞƐZĞĨĞƌĞŶnjnjŝŶƐƐĂƚnjĞƐ
ĂƐŝƐǁĞƌƚĞĚĞƌĞƵƚƐĐŚĞŶƵŶĚĞƐďĂŶŬ
&ƺƌĚŝĞĞƌĞĐŚŶƵŶŐĚĞƐZĞĨĞƌĞŶnjnjŝŶƐƐĂƚnjĞƐǁĞƌĚĞŶƐĞŝƚ:ƵůŝϮϬϬϲĨŽůŐĞŶĚĞĂƐŝƐǁĞƌƚĞĚĞƌĞƵƚƐĐŚĞŶ
ƵŶĚĞƐďĂŶŬnjƵŐƌƵŶĚĞŐĞůĞŐƚ͗
ϯͲDŽŶĂƚĞ
hZ/KZƌĞŝŵŽŶĂƚƐŐĞůĚͬDŽŶĂƚƐĚƵƌĐŚƐĐŚŶŝƚƚ
ϯ:ĂŚƌĞ
ƵƐĚĞƌŝŶƐƐƚƌƵŬƚƵƌĂďŐĞůĞŝƚĞƚĞZĞŶĚŝƚĞŶĨƺƌƵŶĚĞƐǁĞƌƚƉĂƉŝĞƌĞŵŝƚũćŚƌů͘<ƵƉŽŶnjĂŚůƵŶŐĞŶͬZ>ϯ:ĂŚƌĞͬ
DŽŶĂƚƐǁĞƌƚĞ
ϰ:ĂŚƌĞ
ƵƐĚĞƌŝŶƐƐƚƌƵŬƚƵƌĂďŐĞůĞŝƚĞƚĞZĞŶĚŝƚĞŶĨƺƌƵŶĚĞƐǁĞƌƚƉĂƉŝĞƌĞŵŝƚũćŚƌů͘<ƵƉŽŶnjĂŚůƵŶŐĞŶͬZ>ϰ:ĂŚƌĞͬ
DŽŶĂƚƐǁĞƌƚĞ
ϭϬͲ:ĂŚƌĞ
ƵƐĚĞƌŝŶƐƐƚƌƵŬƚƵƌĂďŐĞůĞŝƚĞƚĞZĞŶĚŝƚĞŶĨƺƌƵŶĚĞƐǁĞƌƚƉĂƉŝĞƌĞŵŝƚũćŚƌů͘<ƵƉŽŶnjĂŚůƵŶŐĞŶͬZ>ϭϬ:ĂŚƌĞ
ͬDŽŶĂƚƐǁĞƌƚĞ
ŝƐ:ƵŶŝϮϬϬϲǁƵƌĚĞĚĞƌZĞĨĞƌĞŶnjnjŝŶƐƐĂƚnjĂƵĨĂƐŝƐĚĞƌhŵůĂƵĨƌĞŶĚŝƚĞŶďƂƌƐĞŶŶŽƚŝĞƌƚĞƌƵŶĚĞƐǁĞƌƚƉĂƉŝĞƌĞ
;ĞŚĞŵĂůŝŐĞdĂďĞůůĞϳĞĚĞƌ<ĂƉŝƚĂůŵĂƌŬƚƐƚĂƚŝƐƚŝŬͿĞƌŵŝƚƚĞůƚ͘ŝĞĞƵƚƐĐŚĞƵŶĚĞƐďĂŶŬŚĂƚ ŶĚĞ:ƵŶŝϮϬϬϲĚŝĞ
ĞƌĞĐŚŶƵŶŐĚĞƌďŝƐŚĞƌŝŐĞŶZĞŶĚŝƚĞƐƚƌƵŬƚƵƌĂŵZĞŶƚĞŶŵĂƌŬƚĞŝŶŐĞƐƚĞůůƚ͘ď:ƵůŝϮϬϬϲĞƌĨŽůŐƚĚŝĞ
ĞƌĞĐŚŶƵŶŐƺďĞƌĚŝĞŝŶƐƐƚƌƵŬƚƵƌĂƵƐĚĞŶĂďŐĞůĞŝƚĞƚĞŶZĞŶĚŝƚĞŶĨƺƌďƂƌƐĞŶŶŽƚŝĞƌƚĞƵŶĚĞƐǁĞƌƚƉĂƉŝĞƌĞŵŝƚ
ũćŚƌůŝĐŚĞŶ<ƵƉŽŶnjĂŚůƵŶŐĞŶ͘
ĞƌĞĐŚŶƵŶŐŐůĞŝƚĞŶĚĞƌƵƌĐŚƐĐŚŶŝƚƚƐnjŝŶƐƐćƚnjĞ
&ƺƌĚŝĞĞƌĞĐŚŶƵŶŐĚĞƐZĞĨĞƌĞŶnjnjŝŶƐƐĂƚnjĞƐǁŝƌĚŶŝĐŚƚŶƵƌĞŝŶĂƐŝƐǁĞƌƚĚĞƌĞƵƚƐĐŚĞŶƵŶĚĞƐďĂŶŬ
ǀĞƌǁĞŶĚĞƚ͕ƐŽŶĚĞƌŶĚĞƌƵƌĐŚƐĐŚŶŝƚƚĂƵƐŵĞŚƌĞƌĞŶĂƐŝƐǁĞƌƚĞŶĚĞƌǀŽƌĂŶŐĞŐĂŶŐĞŶĞŶDŽŶĂƚĞ͘ĂƐ
ƌŐĞďŶŝƐŝƐƚĞŝŶDŝƚƚĞůǁĞƌƚŽĚĞƌĚĞƌŐůĞŝƚĞŶĚĞƵƌĐŚƐĐŚŶŝƚƚ͘
ŝĞŐůĞŝƚĞŶĚĞŶƵƌĐŚƐĐŚŶŝƚƚĞĞƌƌĞĐŚŶĞŶƐŝĐŚďĞŝĞŝŶĞƌZĞƐƚůĂƵĨnjĞŝƚǀŽŶ͗
ͻ ϯDŽŶĂƚĞŶĂƵƐĚĞŶDŽŶĂƚƐǁĞƌƚĞŶĚĞƌůĞƚnjƚĞŶϯDŽŶĂƚĞ
ͻ ϯ:ĂŚƌĞŶĂƵƐĚĞŶDŽŶĂƚƐǁĞƌƚĞŶĚĞƌůĞƚnjƚĞŶϯϲDŽŶĂƚĞ
ͻ ϰ:ĂŚƌĞŶĂƵƐĚĞŶDŽŶĂƚƐǁĞƌƚĞŶĚĞƌůĞƚnjƚĞŶϰϴDŽŶĂƚĞ
ͻ ϭϬ:ĂŚƌĞŶĂƵƐĚĞŶDŽŶĂƚƐǁĞƌƚĞŶĚĞƌůĞƚnjƚĞŶϭϮϬDŽŶĂƚĞ
ŝĞƐĞDŽŶĂƚƐǁĞƌƚĞǁĞƌĚĞŶĚĂŶŶũĞǁĞŝůƐĂĚĚŝĞƌƚƵŶĚĚŝĞ^ƵŵŵĞĚƵƌĐŚĚŝĞŶnjĂŚůĚĞƌDŽŶĂƚĞĚŝǀŝĚŝĞƌƚ͘
ĞŝƐƉŝĞů͗ ƌŵŝƚƚůƵŶŐĚĞƐŐůĞŝƚĞŶĚĞŶϯͲDŽŶĂƚƐnjŝŶƐĞƐƉĞƌϬϭ͘Ϭϳ͘ϮϬϬϱ
с;DŽŶĂƚƐǁĞƌƚ:ƵŶŝϮϬϬϱнDŽŶĂƚƐǁĞƌƚƐDĂŝϮϬϬϱнDŽŶĂƚƐǁĞƌƚƉƌŝůϮϬϬϱͿͬϯ
с;Ϯ͕ϭϭнϮ͕ϭϯнϮ͕ϭϰͿͬϯсϮ͕ϭϯ
^ĞŝƚĞϮǀŽŶϯ
WƌŽnjĞŶƚƵĂůĞ'ĞǁŝĐŚƚƵŶŐĚĞƌŐůĞŝƚĞŶĚĞŶƵƌĐŚƐĐŚŶŝƚƚƐnjŝŶƐƐćƚnjĞ
&ƺƌĚŝĞ ƌŵŝƚƚůƵŶŐĚĞƐZĞĨĞƌĞŶnjnjŝŶƐƐĂƚnjĞƐŝƐƚĚŝĞƉƌŽnjĞŶƚƵĂůĞ'ĞǁŝĐŚƚƵŶŐĚĞƌĞŝŶnjĞůŶĞŶŐůĞŝƚĞŶĚĞŶ
ƵƌĐŚƐĐŚŶŝƚƚƐnjŝŶƐƐćƚnjĞŶŽƚǁĞŶĚŝŐ͘
ŝĞŐĞǁŝĐŚƚĞƚĞŶŝŶƐĂŶƚĞŝůĞǁĞƌĚĞŶĂĚĚŝĞƌƚƵŶĚĚĂƐ ƌŐĞďŶŝƐŬĂƵĨŵćŶŶŝƐĐŚĂƵĨnjǁĞŝ^ƚĞůůĞŶŐĞƌƵŶĚĞƚ͘
ŝĞsĞƌćŶĚĞƌƵŶŐĚĞƐĂƵĨĚŝĞƐĞƌ'ƌƵŶĚůĂŐĞĞƌŵŝƚƚĞůƚĞŶZĞĨĞƌĞŶnjnjŝŶƐƐĂƚnjĞƐŝƐƚĚŝĞĂƐŝƐĨƺƌĚŝĞsĞƌćŶĚĞƌƵŶŐ
ĚĞƐƌĞĐŚŶĞƌŝƐĐŚĞŶWƌŽĚƵŬƚnjŝŶƐƐĂƚnjĞƐ͘
ĞŝƐƉŝĞů͗ ƌŵŝƚƚůƵŶŐĚĞƐZĞĨĞƌĞŶnjnjŝŶƐƐĂƚnjĞƐƉĞƌϬϭ͘Ϭϳ͘ϮϬϬϱ
сϭϱйΎŐůĞŝƚĞŶĚĞƌϯͲDŽŶĂƚƐnjŝŶƐнϰϬйΎŐůĞŝƚĞŶĚĞƌϯͲ:ĂŚƌĞƐnjŝŶƐнϭϬйΎŐůĞŝƚĞŶĚĞƌϰͲ:ĂŚƌĞƐnjŝŶƐн
ϯϱйΎŐůĞŝƚĞŶĚĞƌϭϬͲ:ĂŚƌĞƐnjŝŶƐ
сϭϱйΎϮ͕ϭϯнϰϬйΎϮ͕ϵϴнϭϬйΎϯ͕ϰϵнϯϱйΎϰ͕ϴϳсϯ͕ϱϳ
,ŝƐƚŽƌŝƐĐŚĞZĞĨĞƌĞŶnjnjŝŶƐƐćƚnjĞƵŶĚƌĞĐŚŶĞƌŝƐĐŚĞWƌŽĚƵŬƚnjŝŶƐĞŶ
&ƺƌsĞƌƚƌćŐĞĂďĚĞŵϬϭ͘Ϭϭ͘ϮϬϭϴ
ZĞĨĞƌĞŶnjnjŝŶƐ WƌŽĚƵŬƚnjŝŶƐ
Ϭϭ͘Ϭϭ͘ϮϬϭϴ Ϭ͕ϳϳϬ Ϭ͕ϬϭϬ
ϭϱ͘ϭϬ͘ϮϬϮϬ Ϭ͕ϮϬϬ ͲϬ͕ϱϲϬ
ϭϱ͘Ϭϭ͘ϮϬϮϯ ϭ͕ϭϭϬ Ϭ͕ϯϱϬ
ϭϱ͘Ϭϳ͘ϮϬϮϯ ϭ͕ϵϯϬ ϭ͕ϭϳϬ
ϭϱ͘Ϭϳ͘ϮϬϮϱ ϭ͕ϰϯϬ Ϭ͕ϲϳϬ
&ƺƌsĞƌƚƌćŐĞǀŽƌĚĞŵϬϭ͘Ϭϭ͘ϮϬϭϴ
ZĞĨĞƌĞŶnjnjŝŶƐ WƌŽĚƵŬƚnjŝŶƐ
Ϭϭ͘Ϭϳ͘ϮϬϬϱ ϯ͕ϱϳϬ Ϯ͕ϬϬϬ
ϭϱ͘ϭϬ͘ϮϬϬϴ ϰ͕ϭϭϬ Ϯ͕ϱϰϬ
ϭϱ͘Ϭϰ͘ϮϬϬϵ ϯ͕ϱϴϬ Ϯ͕ϬϭϬ
ϭϱ͘Ϭϰ͘ϮϬϭϬ ϯ͕ϬϰϬ ϭ͕ϰϳϬ
ϭϱ͘ϭϬ͘ϮϬϭϭ Ϯ͕ϰϰϬ Ϭ͕ϴϳϬ
ϭϱ͘ϭϬ͘ϮϬϭϮ ϭ͕ϴϱϬ Ϭ͕ϮϴϬ
ϭϱ͘Ϭϳ͘ϮϬϭϰ ϭ͕ϯϮϬ ͲϬ͕ϮϱϬ
ϭϱ͘Ϭϳ͘ϮϬϭϲ Ϭ͕ϳϵϬ ͲϬ͕ϳϴϬ
ϭϱ͘ϭϬ͘ϮϬϭϴ Ϭ͕ϮϱϬ Ͳϭ͕ϯϮϬ
ϭϱ͘Ϭϭ͘ϮϬϮϮ ͲϬ͕ϮϲϬ Ͳϭ͕ϴϯϬ
ϭϱ͘Ϭϭ͘ϮϬϮϯ Ϭ͕ϯϮϬ Ͳϭ͕ϮϱϬ
ϭϱ͘Ϭϳ͘ϮϬϮϯ Ϭ͕ϴϰϬ ͲϬ͕ϳϯϬ
ϭϱ͘Ϭϰ͘ϮϬϮϰ ϭ͕ϯϰϬ ͲϬ͕ϮϯϬ
ϭϱ͘ϭϬ͘ϮϬϮϲ ϭ͕ϵϮϬ Ϭ͕ϯϱϬ
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