

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 = 'Normalerweise wird ein Immobiliendarlehen stets zu einhundert Prozent ausgezahlt. Der Kreditnehmer beantragt also beispielsweise 200.000 Euro und erhält auch 200.000 Euro auf sein Konto überwiesen. Anders stellt sich die Situation dar, wenn ein sogenanntes Disagio vereinbart worden ist. Der Begriff Disagio bedeutet soviel wie Abschlag und ist sowohl im Wertpapierbereich als auch im Darlehensbereich bei mitunter von Bedeutung.
Die Hauptwirkung des Disagio besteht darin, dass der Kreditnehmer nicht die nominal beantragte Kreditsumme ausgezahlt bekommt. Wird zum Beispiel ein Immobilienkredit über 150.000 Euro beantragt und zugleich ein Disagio von fünf Prozent vereinbart, so bekommt der Kreditnehmer statt der 150.000 Euro nur 142.500 Euro ausgezahlt. Über die kontinuierliche oder die später in einer Summe erfolgende Tilgung (bei Tilgungsaussetzung) muss jedoch der gesamte Nominalbetrag, also im Beispiel 150.000 Euro, zurückgezahlt werden.
Die „Nebenwirkung“ des vereinbarten Disagio besteht darin, dass der zu zahlende Nominalzins geringer ist, als wenn das Immobiliendarlehen zum Nennwert ausgezahlt worden wäre. Für den Kreditnehmer hat das in der Folge den Vorteil, dass die zukünftige Zinsbelastung und demzufolge die Belastung durch die Kreditrate sich reduziert. Bei gewerblich genutzten Krediten kann das Disagio zudem auch noch steuerliche Vorteile haben.