

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 = 'Bei einem Hypothekendarlehen hat der Kreditnehmer grundsätzlich die Auswahl zwischen dem variablen Zins und einer Zinsfestschreibung. Während beim variabel verzinslichen Immobilienkredit eine jederzeitige Kündigung des Darlehens möglich ist, muss der Kreditnehmer sich beim Kredit mit Zinsfestschreibung an die Fälligkeit der Vereinbarung halten. Dennoch erlauben manche Banken aus Kulanz eine Kündigung vor Ablauf der Zinsfestschreibung, allerdings wird dann eine Vorfälligkeitsentschädigung berechnet.
Eine Vorfälligkeitsentschädigung kann immer nur dann anfallen, wenn der Kreditnehmer das Immobiliendarlehen vor der eigentlichen Fälligkeit der Zinsfestschreibung kündigt. Er wird dies nur dann tun, wenn er am Markt aktuell günstigere Zinsen findet, als er derzeit im Zuge des Darlehens zahlen muss. Da der Bank aber durch die vorzeitige Darlehenskündigung zukünftig diese „höheren“ Zinsen entgehen, berechnen sie eine Vorfälligkeitsentschädigung zum Ausgleich dieser entgangenen „Mehrzinsen“.
Die Höhe der Vorfälligkeitsentschädigung hängt stets vom jeweiligen Einzelfall ab, eine pauschale Summe gibt es diesbezüglich nicht. Meistens ergibt sich die Höhe der Vorfälligkeitsentschädigung daraus, wie hoch die Differenz zwischen dem aktuell gezahlten Zinssatz und dem Zinssatz ist, den die Bank bei neu verliehenem Baugeld am Markt erzielen könnte. Zum anderen wird noch der Zeitraum einbezogen, der zwischen Kündigung und Fälligkeit des Immobilienkredites vergangen wäre.