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    <title language="deu">Effektivverzinsung und Volatilität bei Finanzierung mit Zinsbindung und variablen Zinsen</title>
    <abstract language="deu">Wir stellen einer festen Zinsbindung von 10 Jahren bei Wohnungsbaukrediten eine monatliche an einem Kurzfristzins angepasste Zinsbelastung bei unterschiedlichen Rückzahlungsfristen gegenüber. Dafür werten wir Monatsdaten seit den 1950er Jahren für Deutschland aus. Damit greifen wir mehrere Zinszyklen, Zinserhöhungs- und Zinssenkungsphasen ab. Im Ergebnis finden wir, dass in der überwiegenden Mehrzahl der Fälle kurzfristig variable Zinsen eine geringere Zinsbelastung nach sich ziehen. Und diese weisen auch noch geringere Schwankungen auf.</abstract>
    <abstract language="eng">We compare fixed-rate (10 years) and adjustable-rate loans (mortgages) with different repayment periods for Germany. The sample starts in the 1950s, i.e. we include several interest rate cycles, periods with increasing and periods with decreasing interest rates, and use monthly data. Our findings reveal that in the overwhelming majority of cases variable rates yield lower interest rate costs. Furthermore, the total volatility of these costs is lower than that of fixed-rate loans.</abstract>
    <parentTitle language="deu">Zeitschrift für Immobilienökonomie</parentTitle>
    <subTitle language="deu">Eine empirische Untersuchung für Deutschland</subTitle>
    <subTitle language="eng">An empirical investigation for Germany</subTitle>
    <additionalTitle language="eng">Effective interest rates and volatility for fixed-rate and adjustable-rate mortages</additionalTitle>
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      <first_name>Franz</first_name>
      <last_name>Seitz</last_name>
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      <value>Festzinsbindung</value>
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      <value>Zinsspread</value>
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      <value>Zinsstruktur</value>
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    <title language="deu">Die Relevanz der Peak-Oil Theorie?</title>
    <parentTitle language="deu">Die europäische Energiewende</parentTitle>
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