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Ökonomische Fundierung von Zinsgleitklauseln in Kreditverträgen

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  • Franz R. Hahn

    (WIFO)

Abstract

Die Mehrzahl der seit 1997 bankmäßig gewährten Privatkredite mit variabler Verzinsung enthält eine Zinsänderungsvereinbarung, die auf zwei der wichtigsten gesamtwirtschaftlichen Referenzzinsindikatoren Bezug nimmt: den Dreimonats-EURIBOR (einem der zentralen Zinsindikatoren für den Zwischenbankgeldmarkt in der Euro-Zone) und die Sekundärmarktrendite für Bundesanleihen. Die Zinssätze der Privatkredite werden im Ausmaß der Veränderung des Durchschnittes der beiden Indikatoren laufend angepasst. Dieser Mechanismus entspricht den einschlägigen Bestimmungen des österreichischen Konsumentenschutzgesetzes und spiegelt die Entwicklung der Refinanzierungskosten der österreichischen Banken gut wider.

Suggested Citation

  • Franz R. Hahn, 2001. "Ökonomische Fundierung von Zinsgleitklauseln in Kreditverträgen," WIFO Monatsberichte (monthly reports), WIFO, vol. 74(10), pages 605-612, October.
    • Handle: RePEc:wfo:monber:y:2001:i:10:p:605-612
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    References listed on IDEAS

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