

var $div = $('
').appendTo($('body')); $div.html(''); var ieTest = $div.find('a').length; $div.remove(); return ieTest; } function alertMessage(headline,text,type) { container = $('#alertMessage'); if (typeof(headline) == 'undefined') headline = 'Fehler'; msgClass = (type) ? 'success' : 'error'; container.removeAttr('class'); container.addClass(msgClass); container.width($(window).width() * 0.8); $('#messageHeadline').html(headline); $('#messageText').html(text); centerMe(container,true); container.show(); } function centerMe(element,windowMode) { var top = 0; var left = 0; if (typeof(windowMode) == 'undefined') windowMode = false; thisWidth = element.width(); thisHeight = element.height(); if (windowMode) { var body = (window.document.compatMode && window.document.compatMode == "CSS1Compat") ? window.document.documentElement : window.document.body || null; windowHeight = $(window).height() / 2; windowWidth = $(window).width() / 2; top = windowHeight - (thisHeight / 2) + parseInt(window.pageYOffset || body.scrollTop) ; left = windowWidth - (thisWidth / 2) + parseInt(window.pageXOffset || body.scrollLeft); if (top < 50) { top = 50; } } else { parentWidth = element.parent().css('width').replace('px',''); parentHeight = element.parent().css('height').replace('px',''); parentWidth = parseInt(parentWidth); parentHeight = parseInt(parentHeight); top = (parentHeight / 2) - (thisHeight / 2); left = (parentWidth / 2) - (thisWidth / 2); } element.css('top',top+'px'); element.css('left',left+'px'); } function overflowMe(element) { thisWidth = element.width(); thisHeight = element.height(); if (thisWidth > 0 && thisHeight > 0) { calculateOverflow(element); } else { $(element).load(function(esponse, status, xhr) { calculateOverflow($(this)); }); } } function calculateOverflow(element) { thisWidth = element.width(); thisHeight = element.height(); parentWidth = element.parent().actual('width'); parentHeight = element.parent().actual('height'); if (thisWidth > thisHeight) { factor = parentWidth / thisWidth; finalWidth = parentWidth; finalHeight = thisHeight * factor; if (finalHeight < parentHeight) { factorScale = (parentHeight / thisHeight); finalHeight = parentHeight; finalWidth = thisWidth * factorScale; } } else { factor = parentHeight / thisHeight; finalHeight = parentHeight; finalWidth = thisWidth * factor; if (finalWidth < parentWidth) { factorScale = (parentWidth / thisWidth); finalWidth = parentWidth; finalHeight = thisHeight * factorScale; } } marginLeft = Math.floor((parentWidth - finalWidth) / 2); marginTop = Math.floor((parentHeight - finalHeight) / 2); cssObj = { 'width' : finalWidth+'px', 'height' : finalHeight+'px', 'marginLeft' : marginLeft+'px', 'marginTop' : marginTop+'px' }; $(element).css(cssObj); } function scaleMe (element) { thisWidth = element.width(); thisHeight = element.height(); if (thisWidth > 0 && thisHeight > 0) { calculateScale(element); } else { $(element).load(function(esponse, status, xhr) { calculateScale($(this)); }); } } function calculateScale(element) { thisWidth = element.width(); thisHeight = element.height(); parentWidth = element.parent().actual('width'); parentHeight = element.parent().actual('height'); if (thisWidth > thisHeight) { factor = parentWidth / thisWidth; finalWidth = parentWidth; finalHeight = thisHeight * factor; if (finalHeight > parentHeight) { factor = parentHeight / thisHeight; finalHeight = parentHeight; finalWidth = thisWidth * factor; } } else { factor = parentHeight / thisHeight; finalHeight = parentHeight; finalWidth = thisWidth * factor; if (finalWidth > parentWidth) { factor = parentWidth / thisWidth; finalWidth = parentWidth; finalHeight = thisHeight * factor; } } marginLeft = Math.floor((parentWidth - finalWidth) / 2); marginTop = Math.floor((parentHeight - finalHeight) / 2); cssObj = { 'width' : finalWidth+'px', 'height' : finalHeight+'px', 'marginLeft' : marginLeft+'px', 'marginTop' : marginTop+'px' }; $(element).css(cssObj); } function fullWidthMe(element) { thisWidth = element.width(); thisHeight = element.height(); if (thisWidth > 0 && thisHeight > 0) { calculateFullWidth(element); } else { $(element).load(function(esponse, status, xhr) { calculateFullWidth($(this)); }); } } function calculateFullWidth(element) { thisWidth = element.width(); thisHeight = element.height(); parentWidth = element.parent().actual('width'); factor = parentWidth / thisWidth; finalWidth = parentWidth; finalHeight = thisHeight * factor; cssObj = { 'width' : finalWidth+'px', 'height' : finalHeight+'px', }; $(element).css(cssObj); } /*****************************************************/ /* Update a jqTransform Selectbox */ function updateJqSelect(selector,callback) { selectedVal = $(selector).children(':selected').val(); $(selector).children('option').removeAttr('selected'); $(selector).children('option[value="'+selectedVal+'"]').attr('selected','selected'); $(selector).removeClass('jqTransformHidden'); $(selector).css('display','block'); $(selector).prev('ul').remove(); /*$(selector).prev('div.selectWrapper').remove();*/ $(selector).prev('div.jqTransformElement').remove(); var selectElm = $(selector).closest('.jqTransformSelectWrapper').html(); $(selector).closest('.jqTransformSelectWrapper').after(selectElm); $(selector).closest('.jqTransformSelectWrapper').remove(); $(selector).closest('form').removeClass('jqtransformdone'); $(selector).closest('form').jqTransform(); $(selector).removeAttr('style'); if (typeof(callback) != 'undefined') { eval(callback+'("'+selector+'")'); } } /**fix_select('select#my_updated_select_box');*/ function addToFavorites() { if (window.sidebar && window.sidebar.addPanel) { // Mozilla Firefox Bookmark window.sidebar.addPanel(document.title,window.location.href,''); } else if(window.external && ('AddFavorite' in window.external)) { // IE Favorite window.external.AddFavorite(location.href,document.title); } else if(window.opera && window.print) { // Opera Hotlist this.title=document.title; return true; } else { // webkit - safari/chrome //alert('Drücken Sie ' + (navigator.userAgent.toLowerCase().indexOf('mac') != - 1 ? 'Command/Cmd' : 'STRG') + ' + D um die Seite zu Ihren Favoriten hinzuzufügen.'); alertBasicErrorMessage('Drücken Sie ' + (navigator.userAgent.toLowerCase().indexOf('mac') != - 1 ? 'Command/Cmd' : 'STRG') + ' + D um die Seite zu Ihren Favoriten hinzuzufügen.
') } } var error_content; function submitAjaxForm(f,callback,outputDiv,adminSend,params) { form_id = $(f).attr("id"); $('#'+form_id+' .noInput').each(function(e){ $(this).val(''); }); $('#'+form_id+' input, #'+form_id+' select, #'+form_id+' textarea').each(function(e){ value = $(this).val(); basicValue = $(this).attr('data-basicValue'); if (value == basicValue && basicValue != '') { $(this).val(''); } }); if (adminSend == true) ajaxPath = "/modules/ajax.includes.php"; else ajaxPath = "/inc/modules/ajax.includes.php"; data_vars = $(f).serialize(); showAjaxLoading(); //Request abschicken $.ajax({ url: ajaxPath, type: "POST", data: data_vars, success: function (erfolgs_text) { if (typeof(tinyMCE) != 'undefined') { clearAllTinyMCE(params); } if(typeof(outputDiv) == 'undefined') { alertErfolgMessage(erfolgs_text); } else { $(outputDiv).html(erfolgs_text); makeBasicJQueryCalls(outputDiv); } if (callback && typeof(callback) === "function") { window.setTimeout(callback, 300); } else if (callback && typeof(callback) === "string") { eval(callback+"('"+params+"')"); } hideAjaxLoading(); }, error: function(fehler_text) { console.log(fehler_text); alertBasicErrorMessage(fehler_text); } }); } function showAjaxLoading() { centerElement('ajax_loader'); $('#ajax_loader').show(); } function hideAjaxLoading() { $('#ajax_loader').hide(); } // Formularanpassungen / Fehlerkorrekturen (ohne Formularprüfung) function focusFormular(f, act1, act2){ var myForm=document.getElementById(f); try{ myForm.action = act1+act2; }catch(e){ myForm.setAttribute('action', act1+act2); } } function setFormAndSubmit(formular,feld,wert) { form = document.getElementById(formular); form.elements[feld].value = wert; $(form).find('input[type="submit"]').click(); } function enterFormElement(element) { if(element.hasClass("noInput")) { element.removeClass('noInput'); element.val(""); } } function setBasicValues(jqElement) { if (jqElement.attr("data-jquery") != 0) { basicValue = jqElement.attr("data-basicValue"); if (typeof(basicValue)!= 'undefined' && basicValue != '' && jqElement.val() == '' && !jqElement.hasClass('tinymce')) { jqElement.removeClass('error_input'); jqElement.addClass("noInput"); jqElement.val(basicValue); } } } function handleFormCallback(data,f,title) { if (title != '') { formTitle = title; } else { formTitle = f.attr("title"); if (typeof(formTitle) == 'undefined') formTitle = "Formular:"; } if (data != '') { try { jsonObj = JSON.parse(data); if (typeof(jsonObj) == 'object') { if (jsonObj.MESSAGE != '' && typeof(jsonObj.MESSAGE) != 'undefined') { alertMessage(formTitle,jsonObj.MESSAGE,jsonObj.TYPE); } if (jsonObj.CODE != '') eval(jsonObj.CODE); } else { if (erfolgs_text.indexOf("alertMessage") == 0) eval(data); else alertMessage(formTitle,data, true); } } catch(err) { alert(data); } } } function setErrorClassAndReturnMessage(element,customMessage,debug){ $(element).parents().each(function(index,element){ if($(this).is('label') || $(this).is('tr') || $(this).hasClass('handleError')) { $(this).addClass('error_input'); if (debug != true) { return false; } } }); if (typeof(customMessage) != 'undefined' && customMessage != '') { return customMessage+", "; } if (element.attr("title") != '' && typeof(element.attr("title")) != 'undefined') { return element.attr("title")+", "; } return ""; } function removeErrorClass(element) { $(element).parents().each(function(index,e){ if($(this).hasClass('error_input')) { $(this).removeClass('error_input'); return; } }); } function checkRadioCheckboxButton(name) { var checked = 0; var checkElement = document.getElementsByName(name); for (var x = 0; x < checkElement.length; x++) { if (checkElement[x].checked) { checked++; } } if (checked == 0) { for (var x = 0; x < checkElement.length; x++) { $(checkElement[x]).parents().each(function(index,element){ if($(this).is('label') || $(this).is('tr') || $(this).hasClass('handleError')) { $(this).addClass('error_input'); return false; } }); } return false; } else { return true; } } function checkForm(f,sendViaAjax,callback,outputDiv,adminSend,params){ var alreadyChecked = new Array(); var error = 0; var error_text = ''; f = document.forms[$(f).attr("id")]; if(typeof(f) == "undefined") return true; $('#'+$(f).attr("id")+' .noInput').each(function(e){ $(this).val(''); }); $('#'+$(f).attr("id")+' input, #'+$(f).attr("id")+' select, #'+$(f).attr("id")+' textarea').each(function(e){ value = $(this).val(); basicValue = $(this).attr('data-basicValue'); if (value == basicValue && basicValue != '') { $(this).val(''); } }); var anzahlElements = f.elements.length; if (sendViaAjax == '') sendViaAjax = false; error_content = document.getElementById('message_content'); for(var i=0; i < anzahlElements; i++) { name = f.elements[i].name; type = f.elements[i].type; if(type != 'hidden') { if ($(f.elements[i]).hasClass('important')){ if ($(f.elements[i]).hasClass('noInput')) { error_text +=setErrorClassAndReturnMessage($(f.elements[i])); error++; alreadyChecked[alreadyChecked.length + 1] = f.elements[i].name; } else { if (!$(f.elements[i]).hasClass('specialCheck') && (!in_array(f.elements[i].name, alreadyChecked) || $(f.elements[i]).hasClass('notUnique'))) { if (type == 'text' || type == 'select-one' || type == 'textarea') { if (f.elements[i].value == '') { error_text += setErrorClassAndReturnMessage($(f.elements[i])); error++; } alreadyChecked[alreadyChecked.length + 1] = f.elements[i].name; } if (type == 'password') { if (name == 'pw') { var pw1 = f.elements[i].value; if (pw1 == '') { error_text += setErrorClassAndReturnMessage($(f.elements[i])); error++; } alreadyChecked[alreadyChecked.length + 1] = f.elements[i].name; if (typeof(f.elements['pw2']) != 'undefined') { var pw2 = f.elements['pw2'].value; if (pw2 == '') { error_text += setErrorClassAndReturnMessage($(f.elements['pw2'])); error++; } if (pw1 != pw2 && pw1 != '') { setErrorClassAndReturnMessage($(f.elements[i]),""); setErrorClassAndReturnMessage($(f.elements["pw2"]),""); error_text += "Beide Passwörter müssen übereinstimmen"; error++; } alreadyChecked[alreadyChecked.length + 1] = f.elements['pw2'].name; } } } if (type == 'radio' || type == 'checkbox') { if (!checkRadioCheckboxButton(f.elements[i].name)) { error_text += f.elements[i].title+", "; error++; } alreadyChecked[alreadyChecked.length + 1] = f.elements[i].name; } } else { if ($(f.elements[i]).hasClass('specialCheck')) { /* if ($(f.elements[i]).hasClass('typeEmail')) { if (f.elements[i].value == '' || strpos(f.elements[i].value,'@') == false) { error_text += setErrorClassAndReturnMessage($(f.elements[i]),"gültige E-Mailadresse"); error++; } alreadyChecked[alreadyChecked.length + 1] = f.elements[i].name; } */ if ($(f.elements[i]).hasClass('typeTel')) { if (f.elements[i].value == '' || f.elements[i].value.length < 11) { error_text += setErrorClassAndReturnMessage($(f.elements[i]), 'Telefonnummer zu kurz (mindestens 11 Zeichen)', true); error++; } alreadyChecked[alreadyChecked.length + 1] = f.elements[i].name; } if ($(f.elements[i]).hasClass('typeEmail')) { if (f.elements[i].value == '' || !isValidEmail(f.elements[i].value)) { error_text += setErrorClassAndReturnMessage($(f.elements[i]),"gültige E-Mailadresse"); error++; } alreadyChecked[alreadyChecked.length + 1] = f.elements[i].name; } if ($(f.elements[i]).hasClass('typeTel')) { if (f.elements[i].value == '' || !isValidPhoneNumber(f.elements[i].value)) { error_text += setErrorClassAndReturnMessage($(f.elements[i]), 'gültige Telefonnummer'); error++; } alreadyChecked[alreadyChecked.length + 1] = f.elements[i].name; } if ($(f.elements[i]).hasClass('lextLen')) { if (f.elements[i].value == '' || f.elements[i].value.length < 3) { title_tmp = ($(f.elements[i]).attr('title') != '') ? $(f.elements[i]).attr('title') : $(f.elements[i]).attr('name'); error_text += setErrorClassAndReturnMessage($(f.elements[i]), title_tmp+' zu kurz (mindestens 3 Zeichen)', true); error++; } alreadyChecked[alreadyChecked.length + 1] = f.elements[i].name; } if ($(f.elements[i]).hasClass('decimalNumber')) { value = valueString = f.elements[i].value; value = value.replace(",","."); value = parseFloat(value); if (valueString == '' || isNaN(value)) { error_text += setErrorClassAndReturnMessage($(f.elements[i]), "Keine Dezimalnummer"); error++; } alreadyChecked[alreadyChecked.length + 1] = f.elements[i].name; } if ($(f.elements[i]).hasClass('intNumber')) { value = valueString = f.elements[i].value; value = parseInt(value); if (isNaN(value) || (valueString.indexOf(",") >= 0 || valueString.indexOf(".") >= 0 || valueString == '')) { error_text += setErrorClassAndReturnMessage($(f.elements[i]), "Keine Zahl"); error++; } alreadyChecked[alreadyChecked.length + 1] = f.elements[i].name; } } } } } } } if (error > 0) { error_text = error_text.substr(0,error_text.length-2); error_text = "Bitte geben Sie alle Pflichtfelder an: "+error_text+"
"; alertBasicErrorMessage(error_text); $('#'+$(f).attr("id")+' .noInput').each(function(e){ setBasicValues($(this)); }); return false; } else { // Zweiter Paramter == true => Formular Mit AJAX abschicken if (sendViaAjax == true) { submitAjaxForm(f,callback,outputDiv,adminSend,params); return false; } else return true; } } function isValidEmail(mail) { if (/^\w+([\.-]?\w+)*@\w+([\.-]?\w+)*(\.\w{2,3})+$/g.test(mail)) { return (true) } return (false) } function isValidPhoneNumber(mail) { if (/^(?:([+][0-9]{1,2})+[ .-]*)?([(]{1}[0-9]{1,6}[)])?([0-9 .\-\/]{3,30})((x|ext|extension)[ ]?[0-9]{1,4})?$/g.test(mail)) { return (true) } return (false) } function countLettersAndOutput(elem,output,textlen) { text = elem.value; anzLetter = text.length; $('#'+output).html('Anzahl Zeichen: '+anzLetter); if (anzLetter > textlen) { $(elem).addClass('error_input'); } else { $(elem).removeClass('error_input'); } } function countLettersAndWordsAndOutput(elem,output,spacer,textlen,wordlen) { text = elem.value; words = text.split(spacer); anzLetter = text.length; anzWords = words.length; $('#'+output).html('Anzahl Wörter: '+anzWords+'Bitte füllen Sie alle Pflichtfelder aus!
'; } error_text = 'Neben den im Zuge der Darlehensrate monatlich zu zahlenden Zinsen und etwaigen Bearbeitungsgebühren gibt es bei der Inanspruchnahme von Hypothekendarlehen mitunter noch weitere Kosten, auf die der Kreditnehmer achten sollte. Dazu können unter anderem auch die Bereitstellungszinsen zählen. Diese Bereitstellungszinsen werden von den meisten Banken immer dann berechnet, wenn das zugesagte und auch schon bereit gestellte Immobiliendarlehen nicht in einem bestimmten Zeitraum abgerufen wird.
Die Banken sind zwar nicht verpflichtet, solche Bereitstellungszinsen zu berechnen, aber meistens verzichten die Geldinstitute nicht auf diese Einnahmen. Auch bezüglich der Höhe der Bereitstellungszinsen gibt es keine gesetzlichen Vorgaben. Durchschnittlich berechnen die Banken als Kreditgeber Bereitstellungszinsen in Höhe von 0,20 bis 0,40 Prozent, und zwar für jeden Monat, den das Immobiliendarlehen nach seiner Bereitstellung vom Kreditnehmer noch nicht abgerufen wird.
Nicht nur in der Höhe der Bereitstellungszinsen unterscheiden sich die Banken, sondern auch im Zeitraum, ab dem die Zinsen überhaupt erst berechnet werden. So geben manche Banken dem Kunden beispielsweise bis zu drei Monate Zeit, den Kredit nach dessen Bereitstellung zinsfrei abzurufen. Andere Banken wiederum berechnet schon Bereitstellungszinsen, wenn mehr als 30 Tage zwischen der Bereitstellung des Hypothekendarlehens und dessen Abruf vergehen.