

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 = 'Besonders bei Immobilienkrediten spielen die Kosten eine große Rolle, denn aufgrund der meistens recht hohen Kreditsummen können schon geringe Zinsdifferenzen zwischen den Anbietern zu großen Einsparungen für den Kreditnehmer führen. Beim Anbietervergleich werden von der jeweiligen Bank zwei verschiedene Zinssätze genannt, nämlich zum einen der Nominalzinssatz und zum anderen der Effektivzinssatz. Vergleichende sollten sich hier stets an dem Effektivzinssatz orientieren, da der Nominalzinssatz eine geringere Aussagekraft hat.
Der Effektivzinssatz beinhaltet im Gegensatz zum Nominalzinssatz stets alle gewöhnlichen Kosten, die auf den Kreditnehmer im Zusammenhang mit der Nutzung des Darlehens zukommen. Das sind neben den ohnehin bestehenden Zinskosten vor allem Kontoführungsgebühren, Bearbeitungsgebühren und sonstige Kreditkosten. Auch die Tilgungsverrechnung wird beim Effektivzinssatz berücksichtigt, denn da dieser meistens nur quartalsweise erfolgt, zahlt der Kreditnehmer immer für einen bestimmten Zeitraum Zinsen auf eine Restschuld, die eigentlich bereits etwas geringer ist.
Aufgrund der im Effektivzinssatz enthaltenen Kosten und der „verspäteten“ Tilgungsverrechnung ist der Effektivzinssatz beim Immobilienkredit im Prinzip fast immer höher als der Nominalzinssatz. Denn der Nominalzinssatz drückt lediglich die reinen Zinskosten aus, die mit dem Darlehen verbunden sind. Für einen Vergleich verschiedener Kreditangebote, zum Beispiel verschiedener Hypothekendarlehen, ist der Nominalzinssatz somit ganz im Gegensatz zum Effektivzins kaum geeignet.