{"id":4392,"date":"2026-02-18T16:22:53","date_gmt":"2026-02-18T16:22:53","guid":{"rendered":"https:\/\/smartsightings.com\/?p=4392"},"modified":"2026-02-18T16:38:51","modified_gmt":"2026-02-18T16:38:51","slug":"rec-ln-options-de","status":"publish","type":"post","link":"https:\/\/smartsightings.com\/es\/rec-ln-options-de\/","title":{"rendered":"SST rec | ln | Options | de_DE"},"content":{"rendered":"<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<h2 style=\"text-align: center\">Der Kredit, der zu Ihnen passt: Transparent, flexibel und fair.<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<h3 style=\"text-align: center\">W\u00e4hlen Sie den Grund f\u00fcr Ihren Kredit:<\/h3>\n<\/div><div class=\"wp-block-lazyblock-options lazyblock-options-1piRLo\"><section class=\"hidden sm:block mx-5 sm:mx-0 my-10\">\n                                <a style=\"\" href=\"https:\/\/smartsightings.com\/de\/rec-ln-revolut-de\/\" class=\"\" data-analytics-label=\"optionsButton\" data-action=\"analytics#trackCTA\">\n                <div data-options-target=\"option\" class=\"rounded-xl border p-5 shadow-md w-full bg-white my-5\">\n                    <div class=\"flex w-full items-center justify-between\">\n                        <div class=\"flex items-center space-x-3\">\n                            <div class=\"text-lg font-bold text-slate-700\">\n                                Schuldenkonsolidierung&nbsp;&nbsp;\u279d\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/a>\n                                        <a style=\"\" href=\"https:\/\/smartsightings.com\/de\/rec-ln-santander-bestcredit-de\/\" class=\"\" data-analytics-label=\"optionsButton\" data-action=\"analytics#trackCTA\">\n                <div data-options-target=\"option\" class=\"rounded-xl border p-5 shadow-md w-full bg-white my-5\">\n                    <div class=\"flex w-full items-center justify-between\">\n                        <div class=\"flex items-center space-x-3\">\n                            <div class=\"text-lg font-bold text-slate-700\">\n                                Gro\u00dfe Anschaffungen &#038; Projekte&nbsp;&nbsp;\u279d\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/a>\n                                        <a style=\"\" href=\"https:\/\/smartsightings.com\/de\/rec-ln-sparkasse-de\/\" class=\"\" data-analytics-label=\"optionsButton\" data-action=\"analytics#trackCTA\">\n                <div data-options-target=\"option\" class=\"rounded-xl border p-5 shadow-md w-full bg-white my-5\">\n                    <div class=\"flex w-full items-center justify-between\">\n                        <div class=\"flex items-center space-x-3\">\n                            <div class=\"text-lg font-bold text-slate-700\">\n                                Anderer Grund&nbsp;&nbsp;\u279d\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/a>\n                <p class=\"text-xs text-gray-500 text-right hidden\" style=\"margin-left: 50%; margin-bottom: 50px; margin-top: 5px;\">\n        Ser\u00e1s redirigido a otro sitio    <\/p>\n<\/section>\n<section data-options-target=\"wrapper\" class=\"sm:hidden mx-5 sm:mx-0 my-10\" style=\"\">\n                                <a data-options-target=\"option\" href=\"https:\/\/smartsightings.com\/de\/rec-ln-revolut-de\/\" data-analytics-label=\"optionsButton\" data-action=\"analytics#trackCTA\" class=\"w-full mt-1 text-white  font-medium rounded-lg py-2 my-2 text-center inline-flex items-center text-xs\" style=\"height: 70px; font-size: 16px; line-height: 1.5; \" >\n                <span class=\"pl-3 text-left\">\n                    Schuldenkonsolidierung                <\/span>\n                <span class=\"border-4 rounded-full text-white mr-3 inline-flex items-center lg:ml-auto md:ml-0 ml-auto leading-none text-sm py-1\">\n                    <svg style=\"width: 25px;\" class=\"w-4 h-4\" viewbox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\" fill=\"none\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\n                    <path d=\"M5 12h14\"><\/path>\n                    <path d=\"M12 5l7 7-7 7\"><\/path>\n                    <\/svg>\n                <\/span>\n            <\/a>\n                                        <a data-options-target=\"option\" href=\"https:\/\/smartsightings.com\/de\/rec-ln-santander-bestcredit-de\/\" data-analytics-label=\"optionsButton\" data-action=\"analytics#trackCTA\" class=\"w-full mt-1 text-white  font-medium rounded-lg py-2 my-2 text-center inline-flex items-center text-xs\" style=\"height: 70px; font-size: 16px; line-height: 1.5; \" >\n                <span class=\"pl-3 text-left\">\n                    Gro\u00dfe Anschaffungen &#038; Projekte                <\/span>\n                <span class=\"border-4 rounded-full text-white mr-3 inline-flex items-center lg:ml-auto md:ml-0 ml-auto leading-none text-sm py-1\">\n                    <svg style=\"width: 25px;\" class=\"w-4 h-4\" viewbox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\" fill=\"none\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\n                    <path d=\"M5 12h14\"><\/path>\n                    <path d=\"M12 5l7 7-7 7\"><\/path>\n                    <\/svg>\n                <\/span>\n            <\/a>\n                                        <a data-options-target=\"option\" href=\"https:\/\/smartsightings.com\/de\/rec-ln-sparkasse-de\/\" data-analytics-label=\"optionsButton\" data-action=\"analytics#trackCTA\" class=\"w-full mt-1 text-white  font-medium rounded-lg py-2 my-2 text-center inline-flex items-center text-xs\" style=\"height: 70px; font-size: 16px; line-height: 1.5; \" >\n                <span class=\"pl-3 text-left\">\n                    Anderer Grund                <\/span>\n                <span class=\"border-4 rounded-full text-white mr-3 inline-flex items-center lg:ml-auto md:ml-0 ml-auto leading-none text-sm py-1\">\n                    <svg style=\"width: 25px;\" class=\"w-4 h-4\" viewbox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\" fill=\"none\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\n                    <path d=\"M5 12h14\"><\/path>\n                    <path d=\"M12 5l7 7-7 7\"><\/path>\n                    <\/svg>\n                <\/span>\n            <\/a>\n                <p class=\"text-xs text-gray-500 text-center hidden\" style=\"margin-bottom: 50px; margin-top: 5px;\">\n        Ser\u00e1s redirigido a otro sitio    <\/p>\n<\/section>\n<\/div><div class=\"wp-block-lazyblock-credit-card lazyblock-credit-card-Z10GiAf\"><section class=\"credit-card mx-5 sm:mx-0 text-gray-600 body-font  my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n  <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n    <div class=\"w-24 h-full\"><\/div>\n  <\/div>\n  <div class=\"container px-5 sm:px-0 py-6 mx-auto\" data-anchor-target=\"lazyBlock\">\n    <div class=\"flex flex-wrap mx-auto\">\n      <a class=\"lg:w-2\/5 w-full lg:pl-6 mt-6 lg:mt-0\" href=\"https:\/\/smartsightings.com\/de\/rec-ln-ing-ratenkredit-de\/\" data-analytics-label=\"creditCardImage\" data-action=\"analytics#trackCTA\" >\n        <img decoding=\"async\" class=\"w-full h-64 object-cover object-center rounded\" loading=\"lazy\" alt=\"card\" style=\"height: 190px;\" src=\"https:\/\/smartsightings.com\/wp-content\/uploads\/2026\/02\/ING-Ratenkredit-3.jpg\">\n      <\/a>\n      <div class=\"lg:w-3\/5 w-full lg:pl-6 mt-6 lg:mt-0\">\n        <h2 class=\"text-sm title-font text-gray-500 tracking-widest uppercase\">\n          Cr\u00e9dito privado        <\/h2>\n        <h1 class=\"text-gray-900 text-3xl title-font font-medium mb-1\">\n          ING Ratenkredit        <\/h1>\n        <div class=\"flex mb-4 justify-center sm:justify-start\">\n          \n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              PRIVADO            <\/span>\n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              \ud83d\udcb0\ud83d\udcb0\ud83d\udcb0            <\/span>\n                    \n        <\/div>\n        <p class=\"leading-relaxed\">\n          Informe sie sich \u00fcber die Bedingungen, um diesen Kredit online zu beantragen.        <\/p>\n        <div class=\"flex mt-6 items-center pb-5 border-b-2 border-gray-100 mb-5\">\n          \n        <\/div>\n        <div class=\"flex\">\n          <a data-km2-rewarded=\"true\" style=\"font-size: 13px;\" class=\"hidden animate-fade-in flex m-auto sm:mr-0 sm:ml-auto\"  href=\"https:\/\/smartsightings.com\/de\/rec-ln-ing-ratenkredit-de\/\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button class=\"uppercase flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-4 focus:outline-none rounded  disabled:opacity-50\">\n              Cr\u00e9dito beantragen            <\/button>\n          <\/a>\n          <a data-km2-rewarded=\"false\" style=\"font-size: 15px;\" class=\"flex m-auto sm:mr-0 sm:ml-auto\"  href=\"https:\/\/smartsightings.com\/de\/rec-ln-ing-ratenkredit-de\/\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button id=\"offer-first\" class=\"flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-6 focus:outline-none rounded  disabled:opacity-50\">\n              Cr\u00e9dito beantragen            <\/button>\n          <\/a>\n        <\/div>\n        <p class=\"text-xs text-gray-500 mt-3 text-center sm:text-right\">\n          Permanecer\u00e1s en el mismo sitio        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n    <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none' && document.getElementById('av-fixed__bottomWrapper').getBoundingClientRect().height > 100) { setTimeout(() => this.visible(), 1000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none' && document.getElementById('av-fixed__bottomWrapper').getBoundingClientRect().height > 10) { this.getAnchorElement().style.marginBottom = '60px'; } if (document.querySelector('[data-anchor-shown=\"true\"]') && document.querySelector('[data-anchor-shown=\"true\"]').style.bottom === '0px') { setTimeout(() => this.visible(), 1000); return; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); 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this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { if (this.closed) return; this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button data-no-translation class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/smartsightings.com\/de\/rec-ln-ing-ratenkredit-de\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img decoding=\"async\" loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/smartsightings.com\/wp-content\/uploads\/2026\/02\/ING-Ratenkredit-3.jpg\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Informen sie sich \u00fcber die Bedingungen, um diesen Kredit\u2026              <\/p>\n              <a href=\"https:\/\/smartsightings.com\/de\/rec-ln-ing-ratenkredit-de\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Cr\u00e9dito beantragen                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Permanecer\u00e1s en el mismo sitio              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n<\/section><\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h1 class=\"wp-block-heading\" id=\"h-den-richtigen-kredit-wahlen-zinssatz-laufzeit-und-ihre-finanzielle-situation-im-gleichgewicht\">Den richtigen Kredit w\u00e4hlen: Zinssatz, Laufzeit und Ihre finanzielle Situation im Gleichgewicht<\/h1>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Den passenden Kredit zu finden bedeutet nicht nur, auf den niedrigsten Zinssatz zu achten \u2013 entscheidend ist, dass das Angebot zu Ihrer finanziellen Situation, Ihrer Bonit\u00e4t und Ihren langfristigen Zielen passt. Wenn Sie verstehen, wie Zinssatz, Laufzeit und Gesamtkosten zusammenwirken, k\u00f6nnen Sie eine fundierte Entscheidung treffen, die Ihre finanzielle Stabilit\u00e4t unterst\u00fctzt.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\" id=\"h-1-kreditkosten-verstehen-und-fur-wen-sie-geeignet-sind\">1. Kreditkosten verstehen \u2013 und f\u00fcr wen sie geeignet sind<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Nicht jeder Kredit ist f\u00fcr jede Person sinnvoll. Die Konditionen sollten zu Ihrem Einkommen, Ihrer SCHUFA-Bewertung und Ihrer R\u00fcckzahlungsf\u00e4higkeit passen.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 class=\"wp-block-heading\" id=\"h-wichtige-kostenfaktoren-und-geeignete-profile\">Wichtige Kostenfaktoren und geeignete Profile<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>Effektiver Jahreszins:<\/strong><br>Der wichtigste Vergleichswert, da er alle Kosten des Kredits ber\u00fccksichtigt. Besonders wichtig f\u00fcr Kreditnehmer, die Angebote transparent vergleichen m\u00f6chten.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>Laufzeit:<\/strong><br>L\u00e4ngere Laufzeiten senken die monatliche Rate, erh\u00f6hen jedoch die Gesamtkosten. Geeignet f\u00fcr Personen, die mehr finanziellen Spielraum im Monat ben\u00f6tigen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>Bearbeitungs- oder Zusatzkosten:<\/strong><br>In Deutschland sind viele klassische Bearbeitungsgeb\u00fchren unzul\u00e4ssig, dennoch k\u00f6nnen Zusatzkosten (z. B. Restschuldversicherung) anfallen. Eine sorgf\u00e4ltige Pr\u00fcfung ist empfehlenswert.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>Vorf\u00e4lligkeitsentsch\u00e4digung:<\/strong><br>Relevant f\u00fcr Kreditnehmer, die eine vorzeitige R\u00fcckzahlung planen. Flexible Kredite mit Sondertilgungsoption bieten hier Vorteile.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\" id=\"h-2-kreditarten-und-fur-wen-sie-sinnvoll-sind\">2. Kreditarten \u2013 und f\u00fcr wen sie sinnvoll sind<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Nicht jeder Kredit dient demselben Zweck. Die Wahl h\u00e4ngt stark davon ab, wof\u00fcr Sie das Geld ben\u00f6tigen.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 class=\"wp-block-heading\" id=\"h-haufige-kreditarten-und-passende-situationen\">H\u00e4ufige Kreditarten und passende Situationen<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>Ratenkredit (Verbraucherkredit):<\/strong><br>Ideal f\u00fcr gr\u00f6\u00dfere Anschaffungen wie Auto, Renovierung oder M\u00f6bel. Feste Raten und planbare Laufzeit sorgen f\u00fcr \u00dcbersichtlichkeit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>Umschuldungskredit:<\/strong><br>Sinnvoll f\u00fcr Personen, die bestehende Kredite oder Verbindlichkeiten zusammenfassen m\u00f6chten, um bessere Konditionen oder eine \u00fcbersichtlichere Struktur zu erhalten.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>Autokredit:<\/strong><br>Speziell f\u00fcr Fahrzeugfinanzierungen, teilweise mit g\u00fcnstigeren Zinss\u00e4tzen durch Zweckbindung.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>Kredit ohne Zweckbindung:<\/strong><br>Bietet maximale Flexibilit\u00e4t, da das Geld frei verwendet werden kann.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\" id=\"h-3-kredite-mit-schneller-auszahlung-wann-sie-sinnvoll-sind\">3. Kredite mit schneller Auszahlung \u2013 wann sie sinnvoll sind<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Einige Kreditangebote werben mit besonders schneller Bearbeitung und Auszahlung. Diese Option kann sinnvoll sein, sollte jedoch stets sorgf\u00e4ltig gepr\u00fcft werden.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 class=\"wp-block-heading\" id=\"h-geeignet-fur\">Geeignet f\u00fcr:<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Personen mit dringendem Finanzierungsbedarf<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Antragsteller mit stabiler Bonit\u00e4t und vollst\u00e4ndigen Unterlagen<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Kreditnehmer, die kurzfristige Liquidit\u00e4t ben\u00f6tigen<\/li>\n<\/div><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Auch bei schneller Auszahlung gilt: Die Konditionen sollten transparent und nachvollziehbar sein.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\" id=\"h-fazit\">Fazit<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Der richtige Kredit h\u00e4ngt von Ihrer finanziellen Situation, Ihrer Bonit\u00e4t und Ihrem Verwendungszweck ab. Niedrige Zinss\u00e4tze sind wichtig \u2013 aber ebenso entscheidend sind transparente Bedingungen, flexible Laufzeiten und eine realistische R\u00fcckzahlungsplanung.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Ein sorgf\u00e4ltiger Vergleich verschiedener Angebote hilft Ihnen dabei, eine L\u00f6sung zu finden, die langfristig zu Ihrer finanziellen Stabilit\u00e4t beitr\u00e4gt.<\/p>\n<\/div><div class=\"wp-block-lazyblock-options lazyblock-options-Z1MY5um\"><section class=\"hidden sm:block mx-5 sm:mx-0 my-10\">\n                                <a style=\"\" href=\"https:\/\/smartsightings.com\/de\/ing-ratenkredit-bewertung\/\" class=\"\" data-analytics-label=\"optionsButton\" data-action=\"analytics#trackCTA\">\n                <div data-options-target=\"option\" class=\"rounded-xl border p-5 shadow-md w-full bg-white my-5\">\n                    <div class=\"flex w-full items-center justify-between\">\n                        <div class=\"flex items-center space-x-3\">\n                            <div class=\"text-lg font-bold text-slate-700\">\n                                ING Ratenkredit&nbsp;&nbsp;\u279d\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/a>\n                                        <a style=\"\" href=\"https:\/\/smartsightings.com\/de\/online-kredit-sparkasse-bewertung\/\" class=\"\" data-analytics-label=\"optionsButton\" data-action=\"analytics#trackCTA\">\n                <div data-options-target=\"option\" class=\"rounded-xl border p-5 shadow-md w-full bg-white my-5\">\n                    <div class=\"flex w-full items-center justify-between\">\n                        <div class=\"flex items-center space-x-3\">\n                            <div class=\"text-lg font-bold text-slate-700\">\n                                Online-Kredit der Sparkasse&nbsp;&nbsp;\u279d\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/a>\n                                        <a style=\"\" href=\"https:\/\/smartsightings.com\/de\/online-kredit-targobank-bewertung\/\" class=\"\" data-analytics-label=\"optionsButton\" data-action=\"analytics#trackCTA\">\n                <div data-options-target=\"option\" class=\"rounded-xl border p-5 shadow-md w-full bg-white my-5\">\n                    <div class=\"flex w-full items-center justify-between\">\n                        <div class=\"flex items-center space-x-3\">\n                            <div class=\"text-lg font-bold text-slate-700\">\n                                Online-Kredit der TARGOBANK&nbsp;&nbsp;\u279d\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/a>\n                                        <a style=\"\" href=\"https:\/\/smartsightings.com\/de\/revolut-online-kredit-bewertung\/\" class=\"\" data-analytics-label=\"optionsButton\" data-action=\"analytics#trackCTA\">\n                <div data-options-target=\"option\" class=\"rounded-xl border p-5 shadow-md w-full bg-white my-5\">\n                    <div class=\"flex w-full items-center justify-between\">\n                        <div class=\"flex items-center space-x-3\">\n                            <div class=\"text-lg font-bold text-slate-700\">\n                                Revolut Kredit&nbsp;&nbsp;\u279d\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/a>\n                                        <a style=\"\" href=\"https:\/\/smartsightings.com\/de\/santander-bestcredit-online-bewertung\/\" class=\"\" data-analytics-label=\"optionsButton\" data-action=\"analytics#trackCTA\">\n                <div data-options-target=\"option\" class=\"rounded-xl border p-5 shadow-md w-full bg-white my-5\">\n                    <div class=\"flex w-full items-center justify-between\">\n                        <div class=\"flex items-center space-x-3\">\n                            <div class=\"text-lg font-bold text-slate-700\">\n                                Santander BestCredit Online&nbsp;&nbsp;\u279d\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/a>\n                <p class=\"text-xs text-gray-500 text-right hidden\" style=\"margin-left: 50%; margin-bottom: 50px; margin-top: 5px;\">\n        Ser\u00e1s redirigido a otro sitio    <\/p>\n<\/section>\n<section data-options-target=\"wrapper\" class=\"sm:hidden mx-5 sm:mx-0 my-10\" style=\"\">\n                                <a data-options-target=\"option\" href=\"https:\/\/smartsightings.com\/de\/ing-ratenkredit-bewertung\/\" data-analytics-label=\"optionsButton\" data-action=\"analytics#trackCTA\" class=\"w-full mt-1 text-white  font-medium rounded-lg py-2 my-2 text-center inline-flex items-center text-xs\" style=\"height: 70px; font-size: 16px; line-height: 1.5; \" >\n                <span class=\"pl-3 text-left\">\n                    ING Ratenkredit                <\/span>\n                <span class=\"border-4 rounded-full text-white mr-3 inline-flex items-center lg:ml-auto md:ml-0 ml-auto leading-none text-sm py-1\">\n                    <svg style=\"width: 25px;\" class=\"w-4 h-4\" viewbox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\" fill=\"none\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\n                    <path d=\"M5 12h14\"><\/path>\n                    <path d=\"M12 5l7 7-7 7\"><\/path>\n                    <\/svg>\n                <\/span>\n            <\/a>\n                                        <a data-options-target=\"option\" href=\"https:\/\/smartsightings.com\/de\/online-kredit-sparkasse-bewertung\/\" data-analytics-label=\"optionsButton\" data-action=\"analytics#trackCTA\" class=\"w-full mt-1 text-white  font-medium rounded-lg py-2 my-2 text-center inline-flex items-center text-xs\" style=\"height: 70px; font-size: 16px; line-height: 1.5; \" >\n                <span class=\"pl-3 text-left\">\n                    Online-Kredit der Sparkasse                <\/span>\n                <span class=\"border-4 rounded-full text-white mr-3 inline-flex items-center lg:ml-auto md:ml-0 ml-auto leading-none text-sm py-1\">\n                    <svg style=\"width: 25px;\" class=\"w-4 h-4\" viewbox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\" fill=\"none\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\n                    <path d=\"M5 12h14\"><\/path>\n                    <path d=\"M12 5l7 7-7 7\"><\/path>\n                    <\/svg>\n                <\/span>\n            <\/a>\n                                        <a data-options-target=\"option\" href=\"https:\/\/smartsightings.com\/de\/online-kredit-targobank-bewertung\/\" data-analytics-label=\"optionsButton\" data-action=\"analytics#trackCTA\" class=\"w-full mt-1 text-white  font-medium rounded-lg py-2 my-2 text-center inline-flex items-center text-xs\" style=\"height: 70px; font-size: 16px; line-height: 1.5; \" >\n                <span class=\"pl-3 text-left\">\n                    Online-Kredit der TARGOBANK                <\/span>\n                <span class=\"border-4 rounded-full text-white mr-3 inline-flex items-center lg:ml-auto md:ml-0 ml-auto leading-none text-sm py-1\">\n                    <svg style=\"width: 25px;\" class=\"w-4 h-4\" viewbox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\" fill=\"none\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\n                    <path d=\"M5 12h14\"><\/path>\n                    <path d=\"M12 5l7 7-7 7\"><\/path>\n                    <\/svg>\n                <\/span>\n            <\/a>\n                                        <a data-options-target=\"option\" href=\"https:\/\/smartsightings.com\/de\/revolut-online-kredit-bewertung\/\" data-analytics-label=\"optionsButton\" data-action=\"analytics#trackCTA\" class=\"w-full mt-1 text-white  font-medium rounded-lg py-2 my-2 text-center inline-flex items-center text-xs\" style=\"height: 70px; font-size: 16px; line-height: 1.5; \" >\n                <span class=\"pl-3 text-left\">\n                    Cr\u00e9dito Revolut                <\/span>\n                <span class=\"border-4 rounded-full text-white mr-3 inline-flex items-center lg:ml-auto md:ml-0 ml-auto leading-none text-sm py-1\">\n                    <svg style=\"width: 25px;\" class=\"w-4 h-4\" viewbox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\" fill=\"none\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\n                    <path d=\"M5 12h14\"><\/path>\n                    <path d=\"M12 5l7 7-7 7\"><\/path>\n                    <\/svg>\n                <\/span>\n            <\/a>\n                                        <a data-options-target=\"option\" href=\"https:\/\/smartsightings.com\/de\/santander-bestcredit-online-bewertung\/\" data-analytics-label=\"optionsButton\" data-action=\"analytics#trackCTA\" class=\"w-full mt-1 text-white  font-medium rounded-lg py-2 my-2 text-center inline-flex items-center text-xs\" style=\"height: 70px; font-size: 16px; line-height: 1.5; \" >\n                <span class=\"pl-3 text-left\">\n                    Santander BestCredit Online                <\/span>\n                <span class=\"border-4 rounded-full text-white mr-3 inline-flex items-center lg:ml-auto md:ml-0 ml-auto leading-none text-sm py-1\">\n                    <svg style=\"width: 25px;\" class=\"w-4 h-4\" viewbox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\" fill=\"none\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\n                    <path d=\"M5 12h14\"><\/path>\n                    <path d=\"M12 5l7 7-7 7\"><\/path>\n                    <\/svg>\n                <\/span>\n            <\/a>\n                <p class=\"text-xs text-gray-500 text-center hidden\" style=\"margin-bottom: 50px; margin-top: 5px;\">\n        Ser\u00e1s redirigido a otro sitio    <\/p>\n<\/section>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h1 class=\"wp-block-heading\">Kredit mit negativer SCHUFA: Welche M\u00f6glichkeiten gibt es in Deutschland?<\/h1>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Eine negative SCHUFA erschwert die Kreditaufnahme \u2013 sie macht sie jedoch nicht automatisch unm\u00f6glich. Entscheidend sind Ihre individuelle finanzielle Situation, Ihr Einkommen und die Konditionen des jeweiligen Kreditgebers.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>In Deutschland pr\u00fcfen Banken sehr genau, ob ein Antragsteller langfristig in der Lage ist, die monatlichen Raten zuverl\u00e4ssig zu bedienen. Daher spielen neben dem SCHUFA-Score auch weitere finanzielle Faktoren eine wichtige Rolle.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Im Folgenden finden Sie einen strukturierten \u00dcberblick \u00fcber die wichtigsten Punkte.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\">\ud83d\udd0e Warum ist die SCHUFA so wichtig?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Banken sind gesetzlich verpflichtet, die Bonit\u00e4t eines Antragstellers sorgf\u00e4ltig zu bewerten. Die SCHUFA-Auskunft liefert daf\u00fcr eine standardisierte Grundlage. Sie enth\u00e4lt Informationen \u00fcber:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Bisheriges Zahlungsverhalten<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Bestehende Kredite oder Finanzierungen<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Eventuelle Mahn- oder Inkassoverfahren<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Laufende Vertr\u00e4ge (z. B. Mobilfunk oder Leasing)<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Gesamte Verschuldungssituation<\/li>\n<\/div><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Ein niedriger Score signalisiert ein erh\u00f6htes Risiko f\u00fcr Kreditgeber. Das kann zu h\u00f6heren Zinss\u00e4tzen, strengeren Bedingungen oder einer Ablehnung f\u00fchren. Dennoch wird jede Anfrage individuell gepr\u00fcft.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\">\u2705 Welche M\u00f6glichkeiten gibt es trotz negativer SCHUFA?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Auch mit eingeschr\u00e4nkter Bonit\u00e4t bestehen \u2013 abh\u00e4ngig von Ihrer Gesamtsituation \u2013 verschiedene Optionen:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Nachweis eines stabilen Einkommens<\/strong><br>Ein unbefristetes Arbeitsverh\u00e4ltnis oder regelm\u00e4\u00dfige Eink\u00fcnfte erh\u00f6hen die Glaubw\u00fcrdigkeit.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Geringe laufende Verpflichtungen<\/strong><br>Eine \u00fcberschaubare Schuldenstruktur wirkt sich positiv auf die Bewertung aus.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Mitantragsteller oder B\u00fcrge<\/strong><br>In einigen F\u00e4llen kann eine zweite Person mit guter Bonit\u00e4t die Chancen verbessern.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Spezialisierte Anbieter<\/strong><br>Manche Kreditgeber ber\u00fccksichtigen individuelle Faktoren st\u00e4rker als nur den SCHUFA-Score.<\/li>\n<\/div><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Wichtig ist stets ein sorgf\u00e4ltiger Vergleich, insbesondere im Hinblick auf den effektiven Jahreszins und m\u00f6gliche Zusatzkosten.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\">\ud83d\udcca \u00dcberblick: Chancen und Risiken<\/h2>\n<\/div><div class=\"prose text-left mb-5 w-[17rem] sm:w-full flex overflow-auto m-auto\">\n<figure class=\"wp-block-table\"><table><thead><tr><th>Faktor<\/th><th>Bedeutung f\u00fcr die Kreditvergabe<\/th><\/tr><\/thead><tbody><tr><td>Negativer SCHUFA-Eintrag<\/td><td>Erh\u00f6htes Risiko aus Sicht der Bank<\/td><\/tr><tr><td>Regelm\u00e4\u00dfiges Einkommen<\/td><td>Verbessert die Chancen deutlich<\/td><\/tr><tr><td>Hohe bestehende Schulden<\/td><td>Kann zur Ablehnung f\u00fchren<\/td><\/tr><tr><td>B\u00fcrge oder Mitantragsteller<\/td><td>Kann das Risiko f\u00fcr die Bank reduzieren<\/td><\/tr><tr><td>Transparente Kreditkonditionen<\/td><td>Sch\u00fctzt vor unerwarteten Mehrkosten<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\">\u26a0 Worauf sollten Sie besonders achten?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Bevor Sie einen Kredit aufnehmen, sollten Sie folgende Punkte ber\u00fccksichtigen:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Ist die monatliche Rate auch bei unerwarteten Ausgaben tragbar?<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Entspricht die Laufzeit Ihrer finanziellen Planung?<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Sind alle Kosten im effektiven Jahreszins enthalten?<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Gibt es flexible Sondertilgungsm\u00f6glichkeiten?<\/li>\n<\/div><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>In manchen F\u00e4llen kann es sinnvoll sein, zun\u00e4chst die eigene SCHUFA-Bewertung aktiv zu verbessern \u2013 etwa durch p\u00fcnktliche Zahlungen und den Abbau kleinerer Verbindlichkeiten.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Ein Kredit mit negativer SCHUFA ist nicht grunds\u00e4tzlich ausgeschlossen, erfordert jedoch eine besonders sorgf\u00e4ltige Pr\u00fcfung. Transparente Bedingungen, realistische R\u00fcckzahlungspl\u00e4ne und ein objektiver Vergleich mehrerer Angebote sind entscheidend.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Wer verantwortungsvoll plant und die eigene finanzielle Situation ehrlich bewertet, kann auch in schwierigen Bonit\u00e4tssituationen tragf\u00e4hige L\u00f6sungen finden und langfristig zur finanziellen Stabilit\u00e4t zur\u00fcckkehren.<\/p>\n<\/div><div class=\"wp-block-lazyblock-credit-card lazyblock-credit-card-Zw8aYx\"><section class=\"credit-card mx-5 sm:mx-0 text-gray-600 body-font  my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n  <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n    <div class=\"w-24 h-full\"><\/div>\n  <\/div>\n  <div class=\"container px-5 sm:px-0 py-6 mx-auto\" data-anchor-target=\"lazyBlock\">\n    <div class=\"flex flex-wrap mx-auto\">\n      <a class=\"lg:w-2\/5 w-full lg:pl-6 mt-6 lg:mt-0\" href=\"https:\/\/www.sparkasse.de\/pk\/produkte\/kredit\/online-kredit.html\" data-analytics-label=\"creditCardImage\" data-action=\"analytics#trackCTA\" >\n        <img decoding=\"async\" class=\"w-full h-64 object-cover object-center rounded\" loading=\"lazy\" alt=\"card\" style=\"height: 190px;\" src=\"https:\/\/smartsightings.com\/wp-content\/uploads\/2026\/02\/Online-Kredit-der-Sparkasse-3.jpg\">\n      <\/a>\n      <div class=\"lg:w-3\/5 w-full lg:pl-6 mt-6 lg:mt-0\">\n        <h2 class=\"text-sm title-font text-gray-500 tracking-widest uppercase\">\n          Cr\u00e9dito privado        <\/h2>\n        <h1 class=\"text-gray-900 text-3xl title-font font-medium mb-1\">\n          Sparkasse        <\/h1>\n        <div class=\"flex mb-4 justify-center sm:justify-start\">\n          \n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              PRIVADO            <\/span>\n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              \ud83d\udcb0\ud83d\udcb0\ud83d\udcb0            <\/span>\n                    \n        <\/div>\n        <p class=\"leading-relaxed\">\n          Informe sie sich \u00fcber die Bedingungen, um diesen Kredit online zu beantragen.        <\/p>\n        <div class=\"flex mt-6 items-center pb-5 border-b-2 border-gray-100 mb-5\">\n          \n        <\/div>\n        <div class=\"flex\">\n          <a data-km2-rewarded=\"true\" style=\"font-size: 13px;\" class=\"hidden animate-fade-in flex m-auto sm:mr-0 sm:ml-auto\" rel=\"sponsored\" href=\"https:\/\/www.sparkasse.de\/pk\/produkte\/kredit\/online-kredit.html\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button class=\"uppercase flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-4 focus:outline-none rounded  disabled:opacity-50\">\n              Cr\u00e9dito beantragen            <\/button>\n          <\/a>\n          <a data-km2-rewarded=\"false\" style=\"font-size: 15px;\" class=\"flex m-auto sm:mr-0 sm:ml-auto\" rel=\"sponsored\" href=\"https:\/\/www.sparkasse.de\/pk\/produkte\/kredit\/online-kredit.html\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button id=\"offer-first\" class=\"flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-6 focus:outline-none rounded  disabled:opacity-50\">\n              Cr\u00e9dito beantragen            <\/button>\n          <\/a>\n        <\/div>\n        <p class=\"text-xs text-gray-500 mt-3 text-center sm:text-right\">\n          Ser\u00e1s redirigido a otro sitio        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n    <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button data-no-translation class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/www.sparkasse.de\/pk\/produkte\/kredit\/online-kredit.html\" rel=\"sponsored\" data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img decoding=\"async\" loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/smartsightings.com\/wp-content\/uploads\/2026\/02\/Online-Kredit-der-Sparkasse-3.jpg\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Informen sie sich \u00fcber die Bedingungen, um diesen Kredit\u2026              <\/p>\n              <a href=\"https:\/\/www.sparkasse.de\/pk\/produkte\/kredit\/online-kredit.html\" rel=\"sponsored\" data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Cr\u00e9dito beantragen                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Ser\u00e1s redirigido a otro sitio              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n<\/section><\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\">H\u00e4ufig gestellte Fragen<\/h2>\n<\/div><div class=\"wp-block-lazyblock-accordion lazyblock-accordion-Z1Q514F\"><div data-controller=\"accordion\" class=\"mx-5 sm:mx-0 rounded mt-10 mb-20\">\n\t<div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"0\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"0\">\n                        Wer kann in Deutschland einen Kredit beantragen?                    <\/span>\n                    <svg data-accordion-index=\"0\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Vollj\u00e4hrige Personen mit Wohnsitz in Deutschland, regelm\u00e4\u00dfigem Einkommen und ausreichender Bonit\u00e4t k\u00f6nnen einen Kredit beantragen. Banken pr\u00fcfen zus\u00e4tzlich Identit\u00e4t, Besch\u00e4ftigungsverh\u00e4ltnis und bestehende finanzielle Verpflichtungen.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"1\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"1\">\n                        \u00bfWard die SCHUFA immer gepr\u00fcft?                    <\/span>\n                    <svg data-accordion-index=\"1\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        In der Regel ja. Die meisten Banken f\u00fchren a SCHUFA-Abfrage durch, um die Kreditw\u00fcrdigkeit zu bewerten. Der Score beeinflusst Zinssatz, Kreditentscheidung und m\u00f6gliche Kreditkonditionen.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"2\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"2\">\n                        \u00bfFueron los Jahreszin efectivos?                    <\/span>\n                    <svg data-accordion-index=\"2\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Der Effective Jahreszins zeigt die tats\u00e4chlichen Gesamtkosten eines Credits per Jahr. Er beinhaltet Zinsen sowie weitere verpflichtende Kosten und erm\u00f6glicht einen transparenten Vergleich verschiedener Angebote.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"3\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"3\">\n                        \u00bfFue passiert bei versp\u00e4teter Zahlung?                    <\/span>\n                    <svg data-accordion-index=\"3\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Bei Zahlungsverzug k\u00f6nnen Mahngeb\u00fchren und zus\u00e4tzliche Zinsen entstehen. Wiederholte Versp\u00e4tungen k\u00f6nnen sich negativ auf die SCHUFA auswirken und zuk\u00fcnftige Kreditaufnahmen erschweren.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"4\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"4\">\n                        \u00bfMuss ich den Verwendungszweck angeben?                    <\/span>\n                    <svg data-accordion-index=\"4\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Bei klassischen Ratenkrediten ist a menudo keine Zweckbindung erforderlich. Spezielle Kredite, wie Autokredite, sind jedoch zweckgebunden und k\u00f6nnen g\u00fcnstigere Konditionen bieten.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"5\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"5\">\n                        \u00bfSind Online-Kredite sicher?                    <\/span>\n                    <svg data-accordion-index=\"5\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Seri\u00f6se Online-Banken unterliegen deutschen und europ\u00e4ischen Finanzvorschriften. Achten Sie auf transparente Angaben, Impressum und verschl\u00fcsselte Daten\u00fcbertragung.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"6\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"6\">\n                        \u00bfK\u00f6nnen Selbstst\u00e4ndige einen Kredit erhalten?                    <\/span>\n                    <svg data-accordion-index=\"6\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        S\u00ed, Selbstst\u00e4ndige k\u00f6nnen Kredite beantragen. Allerdings verlangen Banken h\u00e4ufig zus\u00e4tzliche Einkommensnachweise und pr\u00fcfen die finanzielle Stabilit\u00e4t intensivo.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"7\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"7\">\n                        Was beeinflusst den Zinssatz?                    <\/span>\n                    <svg data-accordion-index=\"7\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Der Zinssatz h\u00e4ngt von Bonit\u00e4t, Einkommen, Laufzeit und Kredith\u00f6he ab. Una mejor puntuaci\u00f3n SCHUFA estar\u00e1 disponible en la lista de condiciones.                    <\/p>\n                <\/div>\n            <\/div>\n        \t<\/div>\n<\/div><\/div><!--landing--><div class=\"wp-block-lazyblock-landing-page-variant lazyblock-landing-page-variant-Z2t5bKz\"><div id=\"landing\" style=\"\" class=\"mb-40\">\n  <section class=\"text-gray-600 body-font border-gray-200 sm:border-0\">\n    <div style=\"max-width: 850px;\" class=\"sm:pt-6 mx-auto block\">\n      <div class=\"text-center py-3 px-5\">\n        <p data-av-subtitle class=\"leading-relaxed sm:w-3\/4 mx-auto mb-0\">\n          Flexibel planen mit dem ING Ratenkredit \u2013 klarer \u00dcberblick \u00fcber Konditionen und Optionen        <\/p>\n      <\/div>\n\n              <section id=\"half\" class=\"text-gray-600 body-font border-gray-200 sm:border-0\">\n          <h4 class=\"pt-3 text-center text-gray-900 text-2xl title-font font-medium px-5 mb-12\">\n            ING Ratenkredit: Pers\u00f6nliche Finanzierung von 5.000 \u20ac bis 90.000 \u20ac          <\/h4>\n          <div id=\"si_top_wrapper\" style=\"height:600px;\" align=\"center\" class=\"w-full border-gray-200 border-b mt-8 mb-8 pb-5\">\n    <div align=\"center\" style=\"position: sticky; top: 120px;\" class=\"w-full\">\n                  <p style=\"font-size: 10px;\" class=\"uppercase text-center\">\n            Anuncios          <\/p>\n                <div id=\"si_top\" >\n        <\/div>\n    <\/div>\n<\/div>\n          <p class=\"sm:hidden pb-2 text-center sm:text-left leading-relaxed px-5\">\n              Mit dem ING Ratenkredit kannst du einen Kredit zwischen 5.000 \u20ac und 90.000 \u20ac ausw\u00e4hlen und Laufzeiten von 12 bis 120 Monaten pr\u00fcfen. Der Antrag erfolgt online, und du siehst Zinsspannen und Optionen schnell im Rechner. So bekommst du einen transparenten \u00dcberblick \u00fcber m\u00f6gliche Konditionen.          <\/p>\n          \n          <div class=\"sm:hidden sm:px-0 py-6 mx-auto px-5\">\n            <div class=\"w-full mx-auto flex flex-wrap\">\n                              <a class=\"mx-auto block\" href=\"https:\/\/smartsightings.com\/es\/ing-ratenkredit-bewertung\/\" data-analytics-label=\"landingPageImage\" data-action=\"analytics#trackCTA\">\n                  <img decoding=\"async\" loading=\"lazy\" alt=\"card\" style=\"height: 190px;\" class=\"w-full h-64 object-cover object-center rounded border-gray-100 border-2\" src=\"https:\/\/smartsightings.com\/wp-content\/uploads\/2026\/02\/ING-Ratenkredit-2.jpg\">\n                <\/a>\n                                          <div class=\"lg:w-3\/5 w-full lg:pl-6 mt-6 lg:mt-0\">\n                                  <div class=\"flex\">\n                    <a class=\"flex text-white no-underline mt-10 m-auto sm:mr-0 sm:ml-auto\" href=\"https:\/\/smartsightings.com\/es\/ing-ratenkredit-bewertung\/\"  data-analytics-label=\"landingPageFirstButton\" data-action=\"analytics#trackCTA\">\n                      <button id=\"landing-first\" class=\"text-white flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-8 text-lg focus:outline-none rounded\">\n                        Ver detalles                      <\/button>\n                    <\/a>\n                  <\/div>\n                                      <p class=\"text-xs text-gray-500 mt-3 text-center sm:text-right\">\n                      Permanecer\u00e1s en el mismo sitio                    <\/p>\n                                                                <\/div>\n            <\/div>\n          <\/div>\n          <div class=\"mt-10 h-1 bg-gray-200 rounded overflow-hidden sm:hidden mx-5\">\n            <div class=\"w-24 h-full\"><\/div>\n          <\/div>\n          <div class=\"hidden sm:block sm:px-0 py-6 mx-auto px-5\">\n            <div class=\"w-full py-3 mx-auto flex flex-wrap\">\n                              <img decoding=\"async\" loading=\"lazy\" alt=\"card\" style=\"height: 190px;\" class=\"lg:w-2\/5 w-full h-64 object-cover object-center rounded border-gray-100 border-2\" src=\"https:\/\/smartsightings.com\/wp-content\/uploads\/2026\/02\/ING-Ratenkredit-2.jpg\">\n                            \n              <div class=\"lg:w-3\/5 w-full lg:pl-6 mt-6 lg:mt-0\">\n                \n                \n                <p class=\"py-2 text-center sm:text-left leading-relaxed\">\n                  Mit dem ING Ratenkredit kannst du einen Kredit zwischen 5.000 \u20ac und 90.000 \u20ac ausw\u00e4hlen und Laufzeiten von 12 bis 120 Monaten pr\u00fcfen. Der Antrag erfolgt online, und du siehst Zinsspannen und Optionen schnell im Rechner. So bekommst du einen transparenten \u00dcberblick \u00fcber m\u00f6gliche Konditionen.                <\/p>\n                <div class=\"flex mt-6 items-center pb-5 border-b-2 border-gray-100 mb-5\">\n                <\/div>\n                                  <div class=\"flex\">\n                    <a class=\"flex text-white no-underline mt-10 m-auto sm:mr-0 sm:ml-auto\" href=\"https:\/\/smartsightings.com\/es\/ing-ratenkredit-bewertung\/\"  data-analytics-label=\"landingPageFirstButton\" data-action=\"analytics#trackCTA\">\n                      <button id=\"landing-first\" class=\"text-white flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-8 text-lg focus:outline-none rounded\">\n                        Ver detalles                      <\/button>\n                    <\/a>\n                  <\/div>\n                                      <p class=\"text-xs text-gray-500 mt-3 text-center sm:text-right\">\n                      Permanecer\u00e1s en el mismo sitio                    <\/p>\n                                                                <\/div>\n            <\/div>\n          <\/div>\n        <\/section>\n      \n      <p class=\"text-center leading-relaxed sm:w-3\/4 mx-auto my-10 px-5\">\n        Informiere dich \u00fcber m\u00f6gliche Zinsbereiche, Laufzeiten und R\u00fcckzahlungsstrukturen, um den passenden Ratenkredit f\u00fcr deine Pl\u00e4ne zu finden. Die ING bietet einen digitalen \u00dcberblick, den du jederzeit online abrufen kannst.      <\/p>\n            <div class=\"flex flex-wrap sm:w-full sm:mx-auto sm:mb-2 px-5\">\n        <div class=\"p-2 sm:w-1\/2 w-full\">\n          <div class=\"bg-gray-100 rounded flex p-4 h-full items-center\">\n            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"3\" class=\"w-6 h-6 flex-shrink-0 mr-4\" viewbox=\"0 0 24 24\">\n              <path d=\"M22 11.08V12a10 10 0 11-5.93-9.14\"><\/path>\n              <path d=\"M22 4L12 14.01l-3-3\"><\/path>\n            <\/svg>\n            <span class=\"title-font font-medium text-left\">\n              Online-Rechner zeigt Zinsspanne und Monatsraten            <\/span>\n          <\/div>\n        <\/div>\n        <div class=\"p-2 sm:w-1\/2 w-full\">\n          <div class=\"bg-gray-100 rounded flex p-4 h-full items-center\">\n            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"3\" class=\"w-6 h-6 flex-shrink-0 mr-4\" viewbox=\"0 0 24 24\">\n              <path d=\"M22 11.08V12a10 10 0 11-5.93-9.14\"><\/path>\n              <path d=\"M22 4L12 14.01l-3-3\"><\/path>\n            <\/svg>\n            <span class=\"title-font font-medium text-left\">\n              Kreditbetr\u00e4ge von 5.000 \u20ac bis 90.000 \u20ac verf\u00fcgbar            <\/span>\n          <\/div>\n        <\/div>\n        <div class=\"p-2 sm:w-1\/2 w-full\">\n          <div class=\"bg-gray-100 rounded flex p-4 h-full items-center\">\n            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"3\" class=\"w-6 h-6 flex-shrink-0 mr-4\" viewbox=\"0 0 24 24\">\n              <path d=\"M22 11.08V12a10 10 0 11-5.93-9.14\"><\/path>\n              <path d=\"M22 4L12 14.01l-3-3\"><\/path>\n            <\/svg>\n            <span class=\"title-font font-medium text-left\">\n              Flexible Laufzeiten von 12 bis 120 Monaten            <\/span>\n          <\/div>\n        <\/div>\n        <div class=\"p-2 sm:w-1\/2 w-full\">\n          <div class=\"bg-gray-100 rounded flex p-4 h-full items-center\">\n            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"3\" class=\"w-6 h-6 flex-shrink-0 mr-4\" viewbox=\"0 0 24 24\">\n              <path d=\"M22 11.08V12a10 10 0 11-5.93-9.14\"><\/path>\n              <path d=\"M22 4L12 14.01l-3-3\"><\/path>\n            <\/svg>\n            <span class=\"title-font font-medium text-left\">\n              Konditionen klar und verst\u00e4ndlich dargestellt            <\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      \n              <div class=\"mx-5\" data-anchor-target=\"lazyBlock\">\n          <a class=\"text-white no-underline\"  href=\"https:\/\/smartsightings.com\/es\/ing-ratenkredit-bewertung\/\" data-analytics-label=\"landingPageSecondButton\" data-action=\"analytics#trackCTA\">\n            <button id=\"landing-second\" class=\"flex mx-auto mt-16 border-0 py-2 px-8 focus:outline-none rounded text-lg\">\n              Ver detalles            <\/button>\n          <\/a>\n        <\/div>\n                          <p class=\"text-xs text-gray-500 mt-3 text-center\">\n            Permanecer\u00e1s en el mismo sitio          <\/p>\n                        <\/div>\n  <\/section>\n\n    <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none' && document.getElementById('av-fixed__bottomWrapper').getBoundingClientRect().height > 100) { setTimeout(() => this.visible(), 1000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none' && document.getElementById('av-fixed__bottomWrapper').getBoundingClientRect().height > 10) { this.getAnchorElement().style.marginBottom = '60px'; } if (document.querySelector('[data-anchor-shown=\"true\"]') && document.querySelector('[data-anchor-shown=\"true\"]').style.bottom === '0px') { setTimeout(() => this.visible(), 1000); return; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); waitFor(_ => (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none' && document.getElementById('av-fixed__bottomWrapper').getBoundingClientRect().height > 10 && this.getAnchorElement().style.marginBottom !== '60px')) .then(_ => { this.closeAnchor(); }); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { if (this.closed) return; this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button data-no-translation class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"w-full justify-self-start flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"mx-2 h-1\/2\">\n            <p class=\"px-5 text-center pt-3 text-xs\">\n              ING Ratenkredit: Pers\u00f6nliche Finanzierung von 5.000 \u20ac bis 90.000 \u20ac            <\/p>\n          <\/div>\n          <div class=\"mx-2 mt-1 bottom-0 h-1\/2\">\n            <a class=\"w-full m-auto\" href=\"https:\/\/smartsightings.com\/es\/ing-ratenkredit-bewertung\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n              <button class=\"flex m-auto border-0 py-2 px-6 focus:outline-none rounded text-center text-sm\">\n                Contin&#250;e Leyendo              <\/button>\n            <\/a>\n            <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n              Permanecer\u00e1s en el mismo sitio  \n            <\/p>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n\n  <link rel=\"prefetch\" href=\"https:\/\/smartsightings.com\/ing-ratenkredit-bewertung\/\">\n  <link rel=\"prerender\" href=\"https:\/\/smartsightings.com\/ing-ratenkredit-bewertung\/\">\n\n  <link rel=\"prefetch\" href=\"\">\n  <link rel=\"prerender\" href=\"\">\n\n  <div style=\"margin-top: 100px;\">\n     <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; import { Typos } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/typos.js\"; import { phoneNumberMask, writeEmailOptions } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/commons.js\"; let Stimulus = Application.start(); Stimulus.register(\"quiz\", class extends Controller { static get targets() { return [ \"quiz\", \"body\", \"block\", \"footer\", \"pane\", \"email\", \"name\", \"phone\", \"phoneField\", \"checkbox\", \"overlay\", \"submit\", \"unloader\", \"loader\", \"tooltip\", \"tip\", \"emailOptions\", \"formBox\", \"formData\", \"formMessage\", \"formBoxBackGround\", \"formTitle\", \"soi\", \"successMessage\", \"emailDiv\", \"phoneDiv\", \"nameDiv\", \"soiDiv\", \"skipper\", \"trigger\", \"link\", \"cta\", \"footnote\" ] } static get values() { return { showhighlight: Boolean }; } replaceAll(string, search, replace) { return string.split(search).join(replace); } initialize() { this.index = 0; this.formViews = 0; this.mode = 'email'; this.showContentForm = this.getViewEmailForm() || this.getViewPhoneForm() || this.getViewPushForm(); if (this.showContentForm) { this.showedHighlight = false; this.inProcessAnimate = false; } this.conditions = []; this.country = \"\"; this.phoneMaskOptions = { 'br': {\"areaCod\": \"+55\", \"areaCodSpace\": 2, \"dddSpace\": 2, \"prefixoSpace\": 4, \"prefixoSpace2\": 5, \"sufixoSpace\": 4, \"placeHolder\": \"(XX) XXXX-XXXX\" }, 'us': {\"areaCod\": \"+1\", \"areaCodSpace\": 1, \"dddSpace\": 3, \"prefixoSpace\": 3, \"sufixoSpace\": 4, \"placeHolder\": \"(XXX) XXX-XXXX\" }, 'ca': {\"areaCod\": \"+1\", \"areaCodSpace\": 1, \"dddSpace\": 3, \"prefixoSpace\": 3, \"sufixoSpace\": 4, \"placeHolder\": \"(XXX) XXX-XXXX\" }, 'pt': {\"areaCod\": \"+351\", \"areaCodSpace\": 3, \"dddSpace\": 3, \"prefixoSpace\": 3, \"sufixoSpace\": 2, \"placeHolder\": \"XXX XXX XXX\" }, 'es': {\"areaCod\": \"+34\", \"areaCodSpace\": 2, \"dddSpace\": 3, \"prefixoSpace\": 3, \"sufixoSpace\": 2, \"placeHolder\": \"XXX XXX XXX\" }, 'mx': {\"areaCod\": \"+52\", \"areaCodSpace\": 2, \"dddSpace\": 3, \"prefixoSpace\": 3, \"sufixoSpace\": 4, \"placeHolder\": \"XXX XXX XXXX\" }, 'ar': {\"areaCod\": \"+54\", \"areaCodSpace\": 2, \"dddSpace\": 2, \"prefixoSpace\": 4, \"sufixoSpace\": 4, \"placeHolder\": \"(XX) XXXX-XXXX\" }, 'co': {\"areaCod\": \"+57\", \"areaCodSpace\": 2, \"dddSpace\": 3, \"prefixoSpace\": 3, \"sufixoSpace\": 4, \"placeHolder\": \"XXX XXX XXXX\" }, 'za': {\"areaCod\": \"+27\", \"areaCodSpace\": 2, \"dddSpace\": 2, \"prefixoSpace\": 3, \"sufixoSpace\": 4, \"placeHolder\": \"(XX) XXX-XXXX\" }, 'de': {\"areaCod\": \"+49\", \"areaCodSpace\": 99, \"dddSpace\": 99, \"prefixoSpace\": 99, \"prefixoSpace2\": 99, \"sufixoSpace\": 99, \"placeHolder\": \"\" }, 'fr': {\"areaCod\": \"+33\", \"areaCodSpace\": 99, \"dddSpace\": 99, \"prefixoSpace\": 99, \"prefixoSpace2\": 99, \"sufixoSpace\": 99, \"placeHolder\": \"\" }, 'gb': {\"areaCod\": \"+44\", \"areaCodSpace\": 99, \"dddSpace\": 99, \"prefixoSpace\": 99, \"prefixoSpace2\": 99, \"sufixoSpace\": 99, \"placeHolder\": \"\" }, 'it': {\"areaCod\": \"+39\", \"areaCodSpace\": 99, \"dddSpace\": 99, \"prefixoSpace\": 99, \"prefixoSpace2\": 99, \"sufixoSpace\": 99, \"placeHolder\": \"\" } }; this.phoneMaskOption = (this.country in this.phoneMaskOptions) ? this.phoneMaskOptions[this.country] : this.phoneMaskOptions['br']; this.phoneTarget.placeholder = this.phoneMaskOption.placeHolder; this.searchParams = new URLSearchParams(window.location.search); this.quiz = this.replaceAll(window.location.pathname, '\/', ''); this.slug = this.quiz.split('-').slice(0, this.quiz.split('-').length - 1).join(''); this.hostname = \"smartsightings.com\"; let splitOptions = ['a', 'b', 'c', 'd']; this.splitTag = splitOptions[Math.floor(Math.random() * splitOptions.length)]; this.tags = 'quiz='+this.quiz+',host='+this.hostname+',slug='+this.slug+',split='+this.splitTag; if (this.country !== '') { this.tags += `,country=${this.country}`; } this.autocompleted = false; this.emsAccounts = [\n          {\n              'weight': 1.0,\n              'name': '',\n              'list': 1\n          }\n      ]; this.addPhone = true;; this.showForm = false;; this.skipForm = true;; this.showFormFirst = false;; this.triggerInterstitial = false;; this.exitIntent = \"\"; this.paneTargetsLength = this.paneTargets.length; if (!this.getViewEmailForm() && !this.getViewPhoneForm() && this.showFormFirst && this.paneTargetsLength > 1) { this.skip(); } if (!this.getViewAnyForm() && this.showFormFirst && this.paneTargetsLength > 1) { this.skip(); } if (!this.getViewEmailForm() && !this.getViewPhoneForm() && !this.showFormFirst) { this.paneTargetsLength = this.skipForm ? this.paneTargetsLength : this.paneTargetsLength - 1; this.skipForm = true; } if (!this.getViewAnyForm() && !this.showFormFirst) { this.paneTargetsLength = this.skipForm ? this.paneTargetsLength : this.paneTargetsLength - 1; this.skipForm = true; } this.typos = Typos; for (var paramKey of this.searchParams.keys()) { this.tags += paramKey.includes('utm_') ? `,${paramKey}=${this.searchParams.get(paramKey)}` : ''; } if (this.paneTargetsLength === 1 || this.showFormFirst) { this.insertPixels(); this.chooseEmsAccount(); this.chooseConditions(); this.getAnalyticsData(); } !this.skipForm || this.showhighlightValue ? this.manipulateForm() : ''; if (this.showFormFirst) { this.blockTarget.classList.add(\"animate-fade-in\"); this.blockTarget.classList.remove(\"hidden\"); this.enable(); } if (this.exitIntent.includes('http')) { let search = window.location.search; history.replaceState(null, document.title, location.pathname + \"#!\/history\"); history.pushState(null, document.title, location.pathname + search); window.addEventListener(\"popstate\", (function() { window.location.replace(this.exitIntent); }).bind(this), true); } } manipulateForm() {  if (this.getViewEmailForm()) { this.mode = 'email'; !this.addPhone ? this.phoneDivTarget.classList.add(\"hidden\") : ''; } else if (this.getViewPhoneForm()) { this.mode = 'phone'; this.emailDivTarget.classList.add(\"hidden\"); } else if (this.getViewPushForm()) { this.mode = 'push'; this.phoneDivTarget.classList.add(\"hidden\"); this.emailDivTarget.classList.add(\"hidden\"); this.nameDivTarget.classList.add(\"hidden\"); this.soiDivTarget.classList.add(\"hidden\"); this.enable(); }  } connect() { if (this.showhighlightValue && this.showContentForm && this.getFormViews() <= 1) { if (this.emsAccount === \"\") { const endpoint = \"https:\/\/form.smartsightings.com\"; if (endpoint !== \"\") { fetch(endpoint).then(response => response.json()).then(response => { if ('form-title' in response['content']) { this.emsAccounts = response['content']['accounts']; this.chooseEmsAccount(); this.country = response['content']['country'].toLowerCase(); this.tags += `,country=${this.country}`; this.phoneMaskOption = (this.country in this.phoneMaskOptions) ? this.phoneMaskOptions[this.country] : this.phoneMaskOptions['br']; this.phoneTarget.placeholder = this.phoneMaskOption.placeHolder; this.formTitleTarget.innerHTML = response['content']['form-title']; this.soiTarget.innerHTML = response['content']['soi']; this.submitTarget.innerHTML = response['content']['cta']; this.successMessageTarget.innerHTML = response['content']['success-message']; this.quizTarget.classList.remove('hidden'); this.observerScrollEmailForm(); this.formMessageTarget.style.height = this.paneTarget.offsetHeight + 'px'; this.formMessageTarget.children[0].style.marginTop = 0.4 * this.paneTarget.offsetHeight + 'px'; if (false && 'success-cta' in response['content'] && 'link' in response['content']) { this.linkTarget.classList.remove('hidden'); this.linkTarget.setAttribute('href', response['content']['link']); this.linkTarget.setAttribute('data-href', 'secondary_link' in response['content'] ? response['content']['secondary_link'] : response['content']['link']); this.ctaTarget.innerHTML = response['content']['success-cta']; if (!response['content']['link'].includes('\/\/smartsightings.com')) { this.footnoteTarget.classList.remove('hidden'); } this.formMessageTarget.children[0].style.marginTop = 0.25 * this.paneTarget.offsetHeight + 'px'; waitFor(_ => (document.cookie.includes(\"avInterstitialViewed=true\"))) .then(_ => { [this.linkTarget].forEach(linkTarget => { if (linkTarget.getAttribute('href') !== linkTarget.getAttribute('data-href')) { linkTarget.setAttribute('href', linkTarget.getAttribute('data-href')); if (!linkTarget.getAttribute('data-href').includes(\"smartsightings.com\")) { linkTarget.setAttribute('rel', 'nofollow'); } if (!linkTarget.getAttribute('data-href').includes('\/\/smartsightings.com')) { this.footnoteTarget.classList.remove('hidden'); } } linkTarget.removeAttribute('data-href'); }) }); } if (typeof window.wildcardController === 'object') { window.wildcardController.replaceWildcards(); } }; }).catch((error) => { console.error('Error:', error); }); } } else { this.quizTarget.classList.remove('hidden'); this.observerScrollEmailForm(); this.formMessageTarget.style.height = this.paneTarget.offsetHeight + 'px'; this.formMessageTarget.children[0].style.marginTop = 0.4 * this.paneTarget.offsetHeight + 'px'; } } } readTextFile(file, callback) { var rawFile = new XMLHttpRequest(); rawFile.overrideMimeType(\"application\/json\"); rawFile.open(\"GET\", file, true); rawFile.onreadystatechange = () => { if (rawFile.readyState === 4 && rawFile.status == \"200\") { callback(rawFile.responseText); } }; rawFile.send(null); } next(event) { this.index++; this.showCurrentPane(event); } insertRudderPixel() { if (typeof window.rudderanalytics !== 'object') { var e=window.rudderanalytics=window.rudderanalytics||[]; e.methods=[\"load\",\"page\",\"track\",\"identify\",\"alias\",\"group\",\"ready\",\"reset\",\"getAnonymousId\",\"setAnonymousId\"], e.factory=function(t){ return function(){ var r=Array.prototype.slice.call(arguments); return r.unshift(t), e.push(r),e } }; for(var t=0;t<e.methods.length;t++){ var r=e.methods[t]; e[r]=e.factory(r) } e.loadJS=function(e,t){ var r=document.createElement(\"script\"); r.type=\"text\/javascript\",r.async=!0,r.src=\"https:\/\/cdn.rudderlabs.com\/v2\/rudder-analytics.min.js?transport=beacon\"; var a=document.getElementsByTagName(\"script\")[0];a.parentNode.insertBefore(r,a) }, e.loadJS(), e.load('1qlJXFMeYUmTyucX6KUVQVEjBBM', 'https:\/\/rudder.adtechpanda.com') }; } insertFacebookPixel() { if (typeof window.av?.findTag !== 'undefined') { if (window.av.findTag('fb', '', 'formConversion') !== undefined) return; }  !function(f,b,e,v,n,t,s){ if(f.fbq)return; n=f.fbq=function(){ n.callMethod?n.callMethod.apply(n,arguments):n.queue.push(arguments) }; if(!f._fbq)f._fbq=n; n.push=n; n.loaded=!0; n.version='2.0'; n.queue=[]; t=b.createElement(e); t.async=!0; t.src=v; s=b.getElementsByTagName(e)[0]; s.parentNode.insertBefore(t,s) }(window, document,'script','https:\/\/connect.facebook.net\/en_US\/fbevents.js'); fbq('set', 'autoConfig', false, \"\"); fbq('init', \"\"); fbq('track', 'PageView');   } insertGooglePixel() {  window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);}; gtag('js', new Date()); gtag('config', \"\", {'allow_enhanced_conversions': true}); window.gtag = gtag; let gogleScript = document.createElement(\"script\"); gogleScript.type = \"text\/javascript\"; gogleScript.setAttribute('async', 'async'); gogleScript.src = \"https:\/\/www.googletagmanager.com\/gtag\/js?id=\"; this.quizTarget.appendChild(gogleScript);   } insertTiktokPixel() {  !function (w, d, t) { w.TiktokAnalyticsObject=t;var ttq=w[t]=w[t]||[];ttq.methods=[\"page\",\"track\",\"identify\",\"instances\",\"debug\",\"on\",\"off\",\"once\",\"ready\",\"alias\",\"group\",\"enableCookie\",\"disableCookie\"],ttq.setAndDefer=function(t,e){t[e]=function(){t.push([e].concat(Array.prototype.slice.call(arguments,0)))}};for(var i=0;i<ttq.methods.length;i++)ttq.setAndDefer(ttq,ttq.methods[i]);ttq.instance=function(t){for(var e=ttq._i[t]||[],n=0;n<ttq.methods.length;n++)ttq.setAndDefer(e,ttq.methods[n]);return e},ttq.load=function(e,n){var i=\"https:\/\/analytics.tiktok.com\/i18n\/pixel\/events.js\";ttq._i=ttq._i||{},ttq._i[e]=[],ttq._i[e]._u=i,ttq._t=ttq._t||{},ttq._t[e]=+new Date,ttq._o=ttq._o||{},ttq._o[e]=n||{};var o=document.createElement(\"script\");o.type=\"text\/javascript\",o.async=!0,o.src=i+\"?sdkid=\"+e+\"&#038;lib=\"+t;var a=document.getElementsByTagName(\"script\")[0];a.parentNode.insertBefore(o,a)}; ttq.load(\"\"); ttq.page(); }(window, document, 'ttq');   } insertTaboolaPixel() {  window._tfa = window._tfa || []; window._tfa.push({notify: 'event', name: 'page_view', id: Number(\"\")}); !function (t, f, a, x) { if (!document.getElementById(x)) { t.async = 1;t.src = a;t.id=x;f.parentNode.insertBefore(t, f); } }(document.createElement('script'), document.getElementsByTagName('script')[0], \"\/\/cdn.taboola.com\/libtrc\/unip\/\/tfa.js\", 'tb_tfa_script');   } insertMedianetPixel() {  !function(a, b, c, d, e, f, g) {if(a.ctrk)return;e=a.ctrk=function(){e.runner? e.runner.apply(e,arguments):e.q.push(arguments)}; e.q=[];f=b.createElement(c);f.async=true; f.src=d+'?d='+a.location.hostname;g=b.getElementsByTagName(c)[0]; g.parentNode.insertBefore(f,g);} (window, document,'script','https:\/\/c.pm-srv.co\/v1\/analytics.js'); ctrk('boot', \"\"); ctrk('record', 'page-land', {dnt: false});   } insertPixels() { this.insertRudderPixel(); this.insertFacebookPixel(); this.insertGooglePixel();    } chooseFrom(weights, results) { let num = Math.random(); let s = 0; let lastIndex = weights.length - 1; for (var i = 0; i < lastIndex; ++i) { s += weights[i]; if (num < s) { return results[i]; } } return results[lastIndex]; } chooseEmsAccount() { let emsAccount = this.chooseFrom( this.emsAccounts.map(account => account['weight']), this.emsAccounts ); this.emsAccount = emsAccount['name']; this.emsList = emsAccount['list']; }; prefetchLandingPages() { let link = document.createElement('link'); \/*let fbclid = this.searchParams.get('fbclid') ? '?fbclid=' + this.searchParams.get('fbclid') : ''; let gclid = this.searchParams.get('gclid') ? '?gclid=' + this.searchParams.get('gclid') : '';*\/ for (const condition of this.conditions) { let landingUrl = new URL(condition['link']); let landingPathname = landingUrl.pathname.split('\/').filter(elem => elem).join('-'); let conditionLink = `${condition['link']}`; if (!landingUrl.search) { conditionLink += window.location.search; } if (document.location.pathname[0] === '\/' && document.location.pathname[3] === '\/' && !conditionLink.includes(document.location.pathname.substr(0,3)) && !conditionLink.includes('app.')) { conditionLink = conditionLink.replace(document.location.hostname, document.location.hostname + document.location.pathname.substr(0,3)); } link = document.createElement('link'); link.rel = 'prefetch'; link.href = conditionLink; this.quizTarget.appendChild(link); link = document.createElement('link'); link.rel = 'prerender'; link.href = conditionLink; this.quizTarget.appendChild(link); } } chooseConditions() { this.conditions = []; if (typeof window.wildcardController !== 'undefined') { this.conditions = this.conditions.map(condition => ({ 'answers': condition['answers'], 'link': window.wildcardController.replace( this.chooseFrom( Object.values(condition['links']), Object.keys(condition['links']) ) ) })); } else { this.conditions = this.conditions.map(condition => ({ 'answers': condition['answers'], 'link': this.chooseFrom( Object.values(condition['links']), Object.keys(condition['links']) ) })); } this.prefetchLandingPages(); } showCurrentPane(event) { if (this.skipForm && event?.target !== undefined) { this.tags += `,answer=${event.target.innerText}`; } if (this.showFormFirst && this.index > 1 && event?.target !== undefined) { this.tags += `,answer=${event.target.innerText}`; } if (!this.showFormFirst && this.index <= this.paneTargetsLength - 1) { this.tags += `,answer=${event.target.innerText}`; } if (this.index > this.paneTargetsLength - 1) { this.submit(event); } else { this.paneTargets.forEach((element, index) => { if (index != this.index) { element.classList.add(\"hidden\"); } else { element.classList.remove(\"hidden\"); } }) } if (!this.showFormFirst && this.index === 1 && this.paneTargetsLength > 1) { this.insertPixels(); this.chooseEmsAccount(); this.chooseConditions(); this.getAnalyticsData(); } if (this.showFormFirst && this.index === 1 && this.isValid()) { this.sendForm(false); } if (this.index === this.paneTargetsLength - 1) { this.enable(); } } match(value, regexp) { const validationRegexp = (regexp instanceof RegExp ? regexp : (new RegExp(regexp))); return validationRegexp.test(value); } emptyInput(target) { target.classList.remove('border-red-700'); target.classList.remove('focus:ring-red-200'); target.classList.remove('border-green-700'); target.classList.remove('focus:ring-green-200'); target.classList.add('border-gray-300'); target.classList.add('focus:ring-gray-200'); } goodInput(target) { target.classList.remove('border-red-700'); target.classList.remove('focus:ring-red-200'); target.classList.remove('border-gray-300'); target.classList.remove('focus:ring-gray-200'); target.classList.add('border-green-700'); target.classList.add('focus:ring-green-200'); } badInput(target) { target.classList.remove('border-green-700'); target.classList.remove('focus:ring-green-200'); target.classList.remove('border-gray-300'); target.classList.remove('focus:ring-gray-200'); target.classList.add('border-red-700'); target.classList.add('focus:ring-red-200'); } checkEmail() { let split = this.emailTarget.value.toLowerCase().split(\"@\"); writeEmailOptions(this.emailTarget.value, this.emailOptionsTarget); let emailDomain = split[split.length - 1]; if (this.emailTarget.value === '' || !this.match(this.emailTarget.value, \/^((([a-z]|\\d|[!#\\$%&'\\*\\+\\-\\\/=\\?\\^_`{\\|}~]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])+(\\.([a-z]|\\d|[!#\\$%&'\\*\\+\\-\\\/=\\?\\^_`{\\|}~]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])+)*)|((\\x22)((((\\x20|\\x09)*(\\x0d\\x0a))?(\\x20|\\x09)+)?(([\\x01-\\x08\\x0b\\x0c\\x0e-\\x1f\\x7f]|\\x21|[\\x23-\\x5b]|[\\x5d-\\x7e]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])|(\\\\([\\x01-\\x09\\x0b\\x0c\\x0d-\\x7f]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF]))))*(((\\x20|\\x09)*(\\x0d\\x0a))?(\\x20|\\x09)+)?(\\x22)))@((([a-z]|\\d|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])|(([a-z]|\\d|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])([a-z]|\\d|-|\\.|_|~|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])*([a-z]|\\d|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])))\\.)+(([a-z]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])|(([a-z]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])([a-z]|\\d|-|\\.|_|~|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])*([a-z]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])))$\/i)) { this.emptyInput(this.emailTarget); this.tooltipTarget.classList.add('hidden'); } else if (emailDomain in this.typos) { this.badInput(this.emailTarget); if (this.typos[emailDomain] !== '') { this.tooltipTarget.classList.remove('hidden'); this.tipTarget.innerHTML = `\u00bfQuiz\u00e1s quisiste decir ${this.typos[emailDomain]}?  `; } } else { this.goodInput(this.emailTarget); this.tooltipTarget.classList.add('hidden'); } } fixEmail() { let split = this.emailTarget.value.toLowerCase().split(\"@\"); let emailDomain = split[split.length - 1]; this.emailTarget.value = this.emailTarget.value.replace(emailDomain, this.typos[emailDomain]); this.checkEmail(); this.enable(); } checkName() { if (this.nameTarget.value === '') { this.emptyInput(this.nameTarget); } else { this.goodInput(this.nameTarget); } } checkPhone() { if (this.phoneTarget.value != \"\") { this.phoneTarget.value = phoneNumberMask(this.phoneTarget.value, this.phoneMaskOption); } } autocomplete() { if (!this.autocompleted && this.emailTarget.value.endsWith('@g')) { this.emailTarget.value += 'mail.com'; this.autocompleted = true; } } isValid() { if (document.getElementById('doubleoptin') !== null) { return document.getElementById('optin').checked && document.getElementById('doubleoptin').checked; } if (this.mode === 'phone' && this.showhighlightValue) { return ( this.getPhoneNumberAreaCod().length > 5 && this.nameTarget.value !== '' && this.checkboxTarget.checked ); } if (this.mode === 'phone' && this.phoneTarget.value === '') { return true; } if (this.mode === 'email' && this.emailTarget.value === '' && !this.showhighlightValue) { return true; } if (this.mode === 'phone') { return ( this.getPhoneNumberAreaCod().length > 5 && this.nameTarget.value !== '' && this.checkboxTarget.checked ); } if (this.mode === 'push') { return true; } let split = this.emailTarget.value.toLowerCase().split(\"@\"); let emailDomain = split[split.length - 1]; if (this.mode === 'email' && this.emailTarget.value !== '' && !this.showhighlightValue) { if (!this.match(this.emailTarget.value, \/^((([a-z]|\\d|[!#\\$%&'\\*\\+\\-\\\/=\\?\\^_`{\\|}~]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])+(\\.([a-z]|\\d|[!#\\$%&'\\*\\+\\-\\\/=\\?\\^_`{\\|}~]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])+)*)|((\\x22)((((\\x20|\\x09)*(\\x0d\\x0a))?(\\x20|\\x09)+)?(([\\x01-\\x08\\x0b\\x0c\\x0e-\\x1f\\x7f]|\\x21|[\\x23-\\x5b]|[\\x5d-\\x7e]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])|(\\\\([\\x01-\\x09\\x0b\\x0c\\x0d-\\x7f]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF]))))*(((\\x20|\\x09)*(\\x0d\\x0a))?(\\x20|\\x09)+)?(\\x22)))@((([a-z]|\\d|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])|(([a-z]|\\d|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])([a-z]|\\d|-|\\.|_|~|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])*([a-z]|\\d|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])))\\.)+(([a-z]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])|(([a-z]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])([a-z]|\\d|-|\\.|_|~|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])*([a-z]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])))$\/i) || emailDomain in this.typos) { return true; } } return ( this.emailTarget.value !== '' && this.nameTarget.value !== '' && this.checkboxTarget.checked && this.match( this.emailTarget.value, \/^((([a-z]|\\d|[!#\\$%&'\\*\\+\\-\\\/=\\?\\^_`{\\|}~]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])+(\\.([a-z]|\\d|[!#\\$%&'\\*\\+\\-\\\/=\\?\\^_`{\\|}~]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])+)*)|((\\x22)((((\\x20|\\x09)*(\\x0d\\x0a))?(\\x20|\\x09)+)?(([\\x01-\\x08\\x0b\\x0c\\x0e-\\x1f\\x7f]|\\x21|[\\x23-\\x5b]|[\\x5d-\\x7e]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])|(\\\\([\\x01-\\x09\\x0b\\x0c\\x0d-\\x7f]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF]))))*(((\\x20|\\x09)*(\\x0d\\x0a))?(\\x20|\\x09)+)?(\\x22)))@((([a-z]|\\d|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])|(([a-z]|\\d|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])([a-z]|\\d|-|\\.|_|~|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])*([a-z]|\\d|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])))\\.)+(([a-z]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])|(([a-z]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])([a-z]|\\d|-|\\.|_|~|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])*([a-z]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])))$\/i ) && !(emailDomain in this.typos) ); } enable() { this.submitTarget.disabled = !this.isValid(); } identify() { if (typeof window.rudderanalytics === 'object') { window.rudderanalytics.identify( this.emailTarget.value.toLowerCase(), { email: this.emailTarget.value.toLowerCase(), name: this.nameTarget.value, ip: this.cf?.analyticsIp || '', host: this.hostname, quiz: this.quiz, country: this.country, answers: this.tags, utm_source: this.searchParams.get('utm_source') || localStorage.getItem('analytics_utm_source'), utm_medium: this.searchParams.get('utm_medium') || localStorage.getItem('analytics_utm_medium'), utm_campaign: this.searchParams.get('utm_campaign') || localStorage.getItem('analytics_utm_campaign'), utm_content: this.searchParams.get('utm_content') || localStorage.getItem('analytics_utm_content'), utm_term: this.searchParams.get('utm_term') || localStorage.getItem('analytics_utm_term'), fbclid: this.searchParams.get('fbclid') || localStorage.getItem('avFbclid'), gclid: this.searchParams.get('gclid') || localStorage.getItem('avGclid'), fb_pixel: '', aw_pixel: '', ems_account: this.emsAccount, domain: window.location.host, ems_list: String(this.emsList), phone: this.getPhoneNumberAreaCod(), cf_city: this.cf?.analyticsCity || '', cf_country: this.cf?.analyticsCountry || '', cf_region: this.cf?.analyticsRegion || '', cf_regionCode: this.cf?.analyticsCode || '' } ); if (window.complianceFlags && window.complianceFlags['necessary']) { fetch('https:\/\/id.adtechpanda.com\/new', { method: 'POST', body: JSON.stringify({ email: this.emailTarget.value.toLowerCase() }), headers: {'accept': 'application\/json'}, mode: 'no-cors' } ).then(response => { }).catch(error => { }); } } } trackFacebookPixel() { if (typeof window.av?.findTag !== 'undefined') { if (window.av.findTag('fb', '', 'formConversion') !== undefined) { window.av.triggerTags('formConversion', { email: this.emailTarget.value.toLowerCase(), firstName: this.nameTarget.value.split(' ')[0], lastName: this.nameTarget.value.split(' ').slice(1).join(' '), phoneNumber: this.getPhoneNumberAreaCod().replace('+', '') }, ['fb']); return; }; } if (typeof window.fbq === 'function') { window.fbq('track', 'Lead', {tags: this.tags}); }; } track() {  if (document.cookie.includes(\"quizLeadEvent=true\")) { return true; } this.setCookie(\"quizLeadEvent\", \"true\", 1\/192); this.trackFacebookPixel(); if (typeof window.gtag === 'function') { window.gtag('set', 'user_data', { \"email\": this.emailTarget.value.toLowerCase(), \"phone_number\": this.getPhoneNumberAreaCod() }); window.gtag('event', 'conversion', {'send_to': ``}); }; if (typeof window.ttq === 'object') { window.ttq.track('SubmitForm'); }; if (typeof window._tfa === 'object') { window._tfa.push({notify: 'event', name: 'lead', id: Number(\"\")}); }; if (typeof window.ctrk === 'function') { window.ctrk('record', 'Lead', { dnt: false }); };   } chooseLandingPage() { for (let condition of this.conditions) { if (condition['answers'].every( answer => this.replaceAll(this.replaceAll(this.tags, '\u2013', '-'), ' ', '').includes(this.replaceAll(this.replaceAll(answer, '\u2013', '-'), ' ', '')) )) { this.landingPage = condition['link']; this.landingUrl = new URL(this.landingPage); this.landingPathname = this.landingUrl.pathname.split('\/').filter(elem => elem).join('-'); break; }; }; if (typeof this.landingPage === 'undefined' && document.location.pathname[0] === '\/' && document.location.pathname[3] !== '\/') { this.landingPage = this.conditions[0]['link']; this.landingUrl = new URL(this.landingPage); this.landingPathname = this.landingUrl.pathname.split('\/').filter(elem => elem).join('-'); } if (typeof this.landingPage === 'undefined' && document.location.pathname[0] === '\/' && document.location.pathname[3] === '\/') { this.landingPage = !this.conditions[0]['link'].includes(document.location.pathname.substr(0,3)) && !this.conditions[0]['link'].includes('app.') ? this.conditions[0]['link'].replace(document.location.hostname, document.location.hostname + document.location.pathname.substr(0,3)) : this.conditions[0]['link']; this.landingUrl = new URL(this.landingPage); this.landingPathname = this.landingUrl.pathname.split('\/').filter(elem => elem).join('-'); } } redirect() { \/*let fbclid = this.searchParams.get('fbclid') ? '?fbclid=' + this.searchParams.get('fbclid') : ''; let gclid = this.searchParams.get('gclid') ? '?gclid=' + this.searchParams.get('gclid') : '';*\/ let url = `${this.landingPage}`; if (!this.landingUrl.search) { url += window.location.search; } this.formIgnored() ? this.setViewAnyForm(false) : ''; if (this.triggerInterstitial) { this.triggerTarget.href = url.replace(\"\/quiz.\", \"\/\"); this.triggerTarget.click(); setTimeout(() => { this.unloaderTargets.forEach((element, index) => { element.classList.remove(\"hidden\"); }); this.loaderTargets.forEach((element, index) => { element.classList.add(\"hidden\"); }); }, 1000); } else {  window.location.href = url;   } } skip() { if ((false) &&(window.km2RewardedExists) && (window.km2RewardedReady) && (!window.km2RewardedGranted)) { window.km2MakeRewardedVisible( function() { if (!this.showFormFirst) { this.bodyTarget.classList.add('hidden'); this.footerTarget.classList.add('hidden'); } }.bind(this), function() { this.skip(); }.bind(this) ); this.skipperTarget.disabled = true; this.skipperTarget.innerText = \"\"; this.triggerInterstitial = false; } else if (!this.showFormFirst) { this.chooseLandingPage(); this.identify(); this.track(); this.redirect(); } else { this.next(); } } submit(event) { this.unloaderTargets.forEach((element, index) => { element.classList.add(\"hidden\"); }); this.loaderTargets.forEach((element, index) => { element.classList.remove(\"hidden\"); }); this.chooseLandingPage(); if (this.skipForm) { this.identify(); this.track(); this.redirect(); } else { this.sendForm(true); } } submitEmailForm(event) { this.sendForm(); } sendForm(redirect=false) { this.identify(); let formData = new FormData(); formData.set('email', this.emailTarget.value.toLowerCase()); formData.set('name', this.nameTarget.value); formData.set('phone', this.getPhoneNumberAreaCod()); formData.set('tags', this.tags); formData.set(`p[${this.emsList}]`, this.emsList); fetch(`https:\/\/webhooks.adtechpanda.com\/quiz\/${this.emsAccount}`, { method: 'POST', body: formData, headers: {}, mode: 'no-cors', } ).then(response => { this.track(); this.emailTarget.value.length > 5 ? this.setViewEmailForm(false) : ''; this.getPhoneNumberAreaCod().length > 5 ? this.setViewPhoneForm(false) : ''; if (redirect) { this.redirect(); } else { !this.showFormFirst ? this.successMessage() : ''; } }).catch(error => { if (redirect) { this.redirect(); } else { !this.showFormFirst ? this.successMessage() : ''; } }); } successMessage() { this.formDataTarget.classList.add(\"hidden\"); this.formMessageTarget.classList.remove(\"hidden\"); let event = new CustomEvent(\"sendPulseTriggerPrompt\"); window.dispatchEvent(event); this.setFormViews(0); } getAnalyticsData() { this.cf = JSON.parse(sessionStorage.getItem(\"wildcardData\")); if (sessionStorage.getItem(\"wildcardCountry\") === null) { fetch('https:\/\/tracker.adtechpanda.com\/', { method: 'GET', headers: {'accept': 'application\/json'} }).then(response => response.json()).then(data => { const wildcardData = { analyticsIp: data.ip, analyticsCity: data.city, analyticsRegion: data.region, analyticsCode: data.regionCode, analyticsCountry: data.country }; sessionStorage.setItem(\"wildcardData\", JSON.stringify(wildcardData)); sessionStorage.setItem(\"wildcardCountry\", data.country); sessionStorage.setItem(\"wildcardRegion\", data.regionCode); sessionStorage.setItem(\"wildcardCity\", data.city); sessionStorage.setItem(\"wildcardState\", data.region); this.cf = wildcardData; }); } } getPhoneNumberAreaCod() { return '+'+(''+(this.phoneMaskOption.areaCod+this.phoneTarget.value)).replace(\/\\D\/g, ''); } observerScrollEmailForm() { const observer = new IntersectionObserver(entries => { entries.forEach(entry => { if (entry.isIntersecting) { this.formViews === -1 ? this.addAnimate() : ''; this.setFormViews(this.formViews + 1); } else { this.removeAnimate(); } }); }); observer.observe(this.submitTarget); } addAnimate() { if (!this.showedHighlight) { this.inProcessAnimate = true; this.formBoxBackGroundTarget.style.animation = \"none\"; this.formBoxBackGroundTarget.classList.remove('animate-fast-fade-out'); this.formBoxBackGroundTarget.classList.add('animate-fade-in'); this.formBoxTarget.classList.add('relative'); this.formBoxTarget.classList.add('animate-show-highlight'); setTimeout(() => { this.formBoxBackGroundTarget.style.animation = \"\"; this.formBoxBackGroundTarget.classList.remove('hidden'); this.showedHighlight = true; setTimeout(() => this.removeAnimate(), 5000); }, 10); } } removeAnimate() { if (this.inProcessAnimate) { this.formBoxBackGroundTarget.style.animation = \"none\"; this.formBoxBackGroundTarget.classList.remove('animate-fade-in'); this.formBoxBackGroundTarget.classList.add('animate-fade-out-quickly'); this.formBoxTarget.style.animation = \"none\"; this.formBoxTarget.classList.add('animate-hide-highlight'); this.formBoxTarget.classList.remove('animate-show-highlight'); this.formBoxTarget.classList.remove('relative'); setTimeout(() => { this.formBoxBackGroundTarget.style.animation = \"\"; this.formBoxTarget.style.animation = \"\"; setTimeout(() => { this.formBoxBackGroundTarget.classList.add('hidden'); this.inProcessAnimate = false; }, 1000); }, 10); } } setCookie(key, value, days) { let date = new Date(); date.setTime(date.getTime() + parseInt(days * 24 * 60 * 60 * 1000)); document.cookie = key + \"=\" + value + \";expires=\" + date.toUTCString() + \";domain=.smartsightings.com;path=\/\"; } setViewEmailForm(view) { localStorage.setItem(\"viewEmailForm\", view); this.setCookie(\"viewEmailForm\", String(view), 28); } getViewEmailForm() {  if (document.cookie.includes(\"viewEmailForm=false\")) { return false; } return ((localStorage.getItem(\"viewEmailForm\") || 'true') === 'true'); } setViewPhoneForm(view) { localStorage.setItem(\"viewPhoneForm\", view); this.setCookie(\"viewPhoneForm\", String(view), 28); } getViewPhoneForm() {  if (document.cookie.includes(\"viewPhoneForm=false\")) { return false; } return ((localStorage.getItem(\"viewPhoneForm\") || 'true') === 'true'); } getViewPushForm() { \/*if (typeof navigator.permissions === \"undefined\") { return false; } let permissionStatus = await navigator.permissions.query({name:'push', userVisibleOnly:true}); return (permissionStatus.state === 'granted' || permissionStatus.state === 'denied');*\/ return false; } setViewAnyForm(view) { localStorage.setItem(\"viewAnyForm\", view); this.setCookie(\"viewAnyForm\", String(view), 14); } getViewAnyForm() { if (document.cookie.includes(\"viewAnyForm=false\")) { return false; } return ((localStorage.getItem(\"viewAnyForm\") || 'true') === 'true'); } getFormViews() { this.formViews = parseInt(sessionStorage.getItem(\"quizFormViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"quizFormViews\")) : 0; return this.formViews; } setFormViews(views) { sessionStorage.setItem(\"quizFormViews\", views); } formIgnored() { return (!this.skipForm && this.showForm && Math.max(this.emailTarget.value.length, this.getPhoneNumberAreaCod().length) < 5); } }); <\/script><div data-controller=\"quiz\" data-quiz-target=\"quiz\" data-quiz-showhighlight-value=\"true\" class=\"hidden sm:hidden   py-5 my-10 shadow-lg\">    \n  <div class=\"w-full p-2 md:p-4\" data-quiz-target=\"formBox\" style=\"z-index: 10;\">\n        <div class=\"flex flex-col rounded-lg p-4 w-full my-4 border bg-white shadow-lg\">\n      <div data-quiz-target=\"formData pane\" class=\"flex flex-col\">      \n        <h2 data-quiz-target=\"formTitle\" class=\"text-gray-900 text-base font-medium title-font mb-5 text-center\">\n                  <\/h2>\n        <div data-quiz-target=\"emailDiv\" class=\"text-left relative mb-4\">\n          <label for=\"email\" class=\"px-2 leading-7 text-sm text-gray-600 text-left\">\n            Direcci\u00f3n de correo electr\u00f3nico          <\/label>\n          <div data-quiz-target=\"tooltip\" style=\"top: 0px; right: 0px;\" class=\"hidden absolute mx-2\">\n            <button data-action=\"quiz#fixEmail\" class=\"bg-black text-white text-xs rounded py-1 px-4 right-0 bottom-full\">\n                <span data-quiz-target=\"tip\"><\/span>\n              <svg class=\"absolute text-black h-2 w-full left-0 top-full\" x=\"0px\" y=\"0px\" viewbox=\"0 0 255 255\" xml:space=\"preserve\"><polygon class=\"fill-current\" points=\"0,0 127.5,127.5 255,0\"\/><\/svg>\n            <\/button>\n          <\/div>\n          <input data-quiz-target=\"email\" data-action=\"quiz#enable quiz#checkEmail\" list=\"email-options\" type=\"email\" name=\"email\" placeholder=\"ejemplo@gmail.com\" class=\"w-full mt-1 bg-white rounded-lg border border-gray-300 focus:ring-2 focus:ring-gray-200 text-base outline-none text-gray-700 py-1 px-3 leading-8 transition-colors duration-200 ease-in-out\">\n          <datalist data-quiz-target=\"emailOptions\" id=\"email-options\"><\/datalist>\n        <\/div>  \n        <div data-quiz-target=\"phoneDiv\" class=\"grid grid-cols-3 gap-6 mb-4\">\n          <div class=\"col-span-3 text-left\">\n            <label for=\"phone\" class=\"px-2 leading-7 text-sm text-gray-600 text-left\">\n              N\u00famero m\u00f3vil            <\/label>\n            <div class=\"mt-1 flex rounded shadow\">\n              \n              <input data-quiz-target=\"phone\" data-action=\"quiz#enable quiz#checkPhone\" type=\"phone\" name=\"phone\" id=\"phone\" maxlength=\"16\" class=\"rounded-none rounded-r-md w-full bg-white border border-gray-300 focus:border-gray-500 focus:ring-2 focus:ring-gray-200 text-base outline-none text-gray-700 py-1 px-3 leading-8 transition-colors duration-200 ease-in-out\">\n            <\/div>\n          <\/div>\n        <\/div>\n        <div data-quiz-target=\"nameDiv\" class=\"text-left relative mb-4\">\n          <label for=\"name\" class=\"px-2 leading-7 text-sm text-gray-600 text-left\">\n            Tu nombre          <\/label>\n          <input data-quiz-target=\"name\" data-action=\"quiz#enable quiz#checkName\" type=\"text\" id=\"name\" name=\"name\" class=\"w-full mt-1 bg-white rounded-lg border border-gray-300 focus:border-gray-500 focus:ring-2 focus:ring-gray-200 text-base outline-none text-gray-700 py-1 px-3 leading-8 transition-colors duration-200 ease-in-out\">\n        <\/div>\n        \n        <div data-quiz-target=\"soiDiv\" class=\"text-left relative mb-4 flex justify-start items-center\">\n          <input data-quiz-target=\"checkbox\" data-action=\"quiz#enable\" type=\"checkbox\" id=\"optin\" style=\"min-width: 25px;\" class=\"w-4 h-4 transition duration-300 rounded focus:ring-2 focus:ring-offset-0 focus:outline-none focus:ring-green-200\" \/>\n          <label data-quiz-target=\"soi\" for=\"optin\" class=\"ml-3 text-sm text-gray-600 text-left\">\n                      <\/label>\n        <\/div>\n                \n        <button aria-label=\"\" disabled data-quiz-target=\"submit\" data-action='quiz#submitEmailForm analytics#trackEmailForm' data-analytics-label=\"submitButton\" class=\"border-0 py-3 px-8 focus:outline-none rounded-lg text-lg disabled:opacity-50 block shadow-lg\">\n                  <\/button>\n      <\/div>\n      <div data-quiz-target=\"formMessage\" class=\"hidden\">\n        <div data-quiz-target=\"successMessage\" class=\"w-full  px-4 py-3 rounded relative text-center\">\n                  <\/div>\n        <p style=\"font-size: 10px;\" data-quiz-target=\"footnote\" class=\"hidden mb-4 text-xs mt-3 text-center sm:text-right\">\n          Ser\u00e1s redirigido a otro sitio        <\/p>\n      <\/div>\n    <\/div>\n  <\/div> \n    <div data-quiz-target=\"formBoxBackGround\" class=\"dark-background hidden\" style=\"z-index: 0;\"><\/div> \n<\/div>  <\/div>\n\n<\/div>\n\n<\/div><!--landing--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p class=\"has-small-font-size\"><em><strong>Haftungsausschluss:<\/strong> Esta p\u00e1gina contiene informaci\u00f3n adicional, und Bildungszwecken und stellt keine Finanzberatung dar. Leser sollten ihre personal finanzielle Situation sorgf\u00e4ltig pr\u00fcfen und die oficial Informationsquellen der jeweiligen Kreditgeber konsultieren, um aktuelle Konditionen, Vertragsbedingungen und individuelle Voraussetzungen \u2013 insbesondere im Hinblick auf ihre Bonit\u00e4t \u2013 zu \u00fcberpr\u00fcfen.<\/em><\/p>\n<\/div><!--loader--><div class=\"wp-block-lazyblock-loader lazyblock-loader-1dLzww\"><script>\n    Math.min(window.screen.width, window.screen.height) < 768 ? document.getElementById(\"page\").classList.add(\"fixed\") : '';\n<\/script>\n<div id=\"loader\" class=\"flex h-screen fixed bg-white inset-0\" style=\"z-index: 99999;\" >\n    <div class=\"m-auto flex flex-col\">\n        <div class=\"flex\">\n            <svg style=\"color: \" class=\"m-auto animate-spin h-28 w-28\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewbox=\"0 0 24 24\">\n                <circle class=\"opacity-25\" cx=\"12\" cy=\"12\" r=\"10\" stroke=\"currentColor\" stroke-width=\"4\"><\/circle>\n                <path class=\"opacity-75\" fill=\"currentColor\" d=\"M4 12a8 8 0 018-8V0C5.373 0 0 5.373 0 12h4zm2 5.291A7.962 7.962 0 014 12H0c0 3.042 1.135 5.824 3 7.938l3-2.647z\"><\/path>\n            <\/svg>\n        <\/div>\n                    <div class=\"px-2 my-4 text-center animate-pulse text-xl\">\n                Wir suchen nach passenden Kreditoptionen f\u00fcr Sie..            <\/div>\n                    <\/div>\n<\/div>\n<script>\n    function waitFor(conditionFunction) {\n        const poll = resolve => {\n            if(conditionFunction()) resolve();\n            else setTimeout(_ => poll(resolve), 400);\n        };\n        return new Promise(poll);\n    }\n\n    window.loaderHandler = setTimeout(() => {\n        waitFor(_ => ((document.querySelector('[data-google-query-id]') !== null) || (typeof avCustomConfig === 'object' && avCustomConfig.skipAds === true)))\n            .then(_ => {\n                if ((window.location.pathname.includes('\/iow')) && ((document.referrer ?? 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W\u00e4hlen Sie den Grund f\u00fcr Ihren Kredit: Den richtigen Kredit w\u00e4hlen: Zinssatz, Laufzeit und Ihre finanzielle Situation im Gleichgewicht Den passenden Kredit zu finden bedeutet nicht nur, auf den niedrigsten Zinssatz zu achten \u2013 entscheidend ist, dass das Angebot zu Ihrer finanziellen Situation, Ihrer Bonit\u00e4t&hellip; <a class=\"more-link\" href=\"https:\/\/smartsightings.com\/es\/rec-ln-options-de\/\">Continue reading <span class=\"screen-reader-text\">SST rec | ln | Options | de_DE<\/span><\/a><\/p>","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,254],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>SST rec | ln | Options | de_DE - Smart Sightings<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/smartsightings.com\/es\/rec-ln-options-de\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SST rec | ln | Options | de_DE\" \/>\n<meta property=\"og:description\" content=\"Der Kredit, der zu Ihnen passt: Transparent, flexibel und fair. 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