{"id":3220,"date":"2025-05-05T18:11:51","date_gmt":"2025-05-05T18:11:51","guid":{"rendered":"https:\/\/morenetcash.com\/?p=3220"},"modified":"2025-05-21T19:20:54","modified_gmt":"2025-05-21T19:20:54","slug":"smava-empfehler","status":"publish","type":"post","link":"https:\/\/morenetcash.com\/he\/smava-empfehler\/","title":{"rendered":"\u05e7\u05e8\u05d3\u05d9\u05d8 Smava: G\u00fcnstige Zinsen ab 0,68 % \u05d0\u05e0\u05d3 \u05d2\u05de\u05d9\u05e9 \u05dc\u05d0\u05d5\u05e4\u05d9\u05d6\u05d9\u05d9\u05d8"},"content":{"rendered":"<!--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\">Schnelle Online-Abwicklung und hohe Kreditzusagen f\u00fcr Privatkunden<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Der Smava Kredit bietet Privatkunden eine attraktive Finanzierungsl\u00f6sung mit besonders niedrigen Zinss\u00e4tzen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Innerhalb weniger \u05d3\u05e7\u05d5\u05ea \u05d9\u05db\u05d5\u05dc \u05dc\u05d4\u05d9\u05d5\u05ea \u05db\u05e8\u05d8\u05d9\u05e1 \u05d0\u05e9\u05e8\u05d0\u05d9 \u05de\u05e7\u05d5\u05d5\u05df, \u05d4\u05d9\u05d4 \u05e2\u05d1\u05d5\u05e8 \u05d2\u05de\u05d9\u05e9\u05d5\u05ea \u05de\u05d9\u05e8\u05d1\u05d9\u05ea.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Mit Smava Kredit lassen sich Betr\u00e4ge zwischen 500 und 120.000 Euro aufnehmen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Dank digitalem Prozess erfolgt die Auszahlung meist innerhalb von 24 Stunden nach Genehmigung.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>\u05ea\u05e0\u05d0\u05d9\u05dd \u05d1\u05e0\u05e7\u05d5\u05d3\u05ea \u05de\u05e2\u05d1\u05e8:<\/strong><\/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>\u05e6\u05d9\u05d5\u05df \u05de\u05d9\u05d9\u05e0\u05d3\u05e1\u05d8:<\/strong> Mindestens SCHUFA-\u05e0\u05d9\u05d8\u05e8\u05dc\u05d9; gute Bonit\u00e4t empfohlen<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>\u05d4\u05e6\u05e2\u05d5\u05ea \u05d0\u05e9\u05e8\u05d0\u05d9:<\/strong> 500 \u05d0\u05d9\u05e8\u05d5 \u05e2\u05d3 120,000 \u05d0\u05d9\u05e8\u05d5<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>\u05d6\u05de\u05df \u05d4\u05d2\u05e2\u05d4 \u05e9\u05dc \u05d0\u05e9\u05e8\u05d0\u05d9:<\/strong> 12 \u05e2\u05d3 120 \u05d7\u05d5\u05d3\u05e9<\/li>\n<\/div><\/ul>\n<\/div><div class=\"wp-block-lazyblock-credit-card lazyblock-credit-card-2cMhza\"><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.smava.de\/kredit\/\" 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:\/\/morenetcash.com\/wp-content\/uploads\/2025\/05\/ChatGPT-Image-5-de-mai.-de-2025-14_57_41.png\">\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          \u05e1\u05de\u05d1\u05d4 \u05e7\u05e8\u05d3\u05d9\u05d8        <\/h2>\n        <h1 class=\"text-gray-900 text-3xl title-font font-medium mb-1\">\n          \u05d0\u05e4\u05e9\u05e8\u05d5\u05d9\u05d5\u05ea \u05de\u05e7\u05d5\u05d5\u05e0\u05d5\u05ea-\u05d3\u05e8\u05dc\u05d4\u05df         <\/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              \u05e0\u05d9\u05d3\u05e8\u05d9\u05d2\u05d6\u05d9\u05e0\u05e1             <\/span>\n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              \u05e1\u05d5\u05e4\u05d5\u05e8\u05d8\u05e7\u05e8\u05d3\u05d9\u05d8             <\/span>\n                    \n        <\/div>\n        <p class=\"leading-relaxed\">\n          \u05d2\u05de\u05d9\u05e9 Laufzeiten, schnelle Online-Bearbeitung und g\u00fcnstige Zinsen ab 0,68 %.        <\/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.smava.de\/kredit\/\" 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              \u05e2\u05db\u05e9\u05d9\u05d5 \u05d1\u05d9\u05df-\u05d8\u05e8\u05d0\u05d2\u05df            <\/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.smava.de\/kredit\/\" 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              \u05e2\u05db\u05e9\u05d9\u05d5 \u05d1\u05d9\u05df-\u05d8\u05e8\u05d0\u05d2\u05df            <\/button>\n          <\/a>\n        <\/div>\n        <p class=\"text-xs text-gray-500 mt-3 text-center sm:text-right\">\n          \u05ea\u05d5\u05e2\u05d1\u05e8 \u05dc\u05d0\u05ea\u05e8 \u05d0\u05d9\u05e0\u05d8\u05e8\u05e0\u05d8 \u05d0\u05d7\u05e8        <\/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'); 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=\"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.smava.de\/kredit\/\" 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:\/\/morenetcash.com\/wp-content\/uploads\/2025\/05\/ChatGPT-Image-5-de-mai.-de-2025-14_57_41.png\">          \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                Laufzeiten \u05d2\u05de\u05d9\u05e9, \u05de\u05d4\u05d9\u05e8 \u05de\u05e7\u05d5\u05d5\u05df-Bearbeitung \u05d5-gunsti\u2026              <\/p>\n              <a href=\"https:\/\/www.smava.de\/kredit\/\" 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                    \u05e2\u05db\u05e9\u05d9\u05d5 \u05d1\u05d9\u05df-\u05d8\u05e8\u05d0\u05d2\u05df                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                \u05ea\u05d5\u05e2\u05d1\u05e8 \u05dc\u05d0\u05ea\u05e8 \u05d0\u05d9\u05e0\u05d8\u05e8\u05e0\u05d8 \u05d0\u05d7\u05e8              <\/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\">Smava Kredit: Visi\u00f3n g\u00e9n\u00e9rale<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Smava Kredit ist ein Online-Kreditvergleichsportal, das Darlehen von verschiedenen Banken vermittelt. Das Unternehmen erm\u00f6glicht es Kunden, die besten Kreditangebote mit wenigen Klicks zu finden.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Der Kreditt kann f\u00fcr Verschiedene Zwecke genutzt werden, darunter Umschuldung, Renovierung oder Autokauf.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Smava agiert als Vermittler, wodurch Kunden Zugang zu besonders g\u00fcnstigen Zinss\u00e4tzen erhalten.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Ein besonderer Vorteil ist die schnelle Bearbeitung und die vollst\u00e4ndig digitale Abwicklung.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Das Angebot richtet sich sowohl an Angestellte als auch an Selbstst\u00e4ndige mit regelm\u00e4\u00dfigen Einnahmen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>\u05d4\u05e4\u05dc\u05d8\u05e4\u05d5\u05e8\u05de\u05d4 \u05d4\u05d9\u05d0 T\u00dcV-certifiziert \u05d5-erf\u00fcllt h\u00f6chste Sicherheitsstandards f\u00fcr den Datenschutz.<\/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\">\u05dc\u05de\u05d4 \u05d4\u05d5\u05d0 \u05e0\u05d0\u05de\u05df?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Der Smava Kredit richtet sich an Personen, die eine einfache und schnelle Finanzierungsl\u00f6sung suchen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Das Produkt ist besonders geeignet f\u00fcr Menschen, die Wert auf Transparente Konditionen und Digital Prozesse Legen.<\/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>Angestellte mit festem Einkommen:<\/strong><br>\u05d0\u05d9\u05d3\u05d9\u05d0\u05dc\u05d9 \u05e2\u05d1\u05d5\u05e8 \u05e4\u05e8\u05e1\u05d5\u05e0\u05d0\u05d9\u05dd, \u05d4\u05de\u05d0\u05e4\u05e9\u05e8\u05d9\u05dd \u05dc\u05da \u05dc\u05d4\u05ea\u05e7\u05d3\u05dd \u05d5\u05dc\u05d4\u05ea\u05d2\u05d1\u05e8 \u05e2\u05dc \u05d4\u05d2\u05de\u05d9\u05e9\u05d5\u05ea \u05d4\u05e4\u05d9\u05e0\u05e0\u05e1\u05d9\u05ea.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Selbstst\u00e4ndige und Freiberufler:<\/strong><br>Auch f\u00fcr diese Gruppe bietet Smava passende Kredite, vorausgesetzt es bestehen regelm\u00e4\u00dfige Einnahmen.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Konsumenten mit Umschuldungsbedarf:<\/strong><br>Wer bestehende Kredite zusammenfassen und Kosten sparen m\u00f6chte, findt hier g\u00fcnstige Umschuldungskredite.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Personen mit kurzfristigem Finanzierungsbedarf:<\/strong><br>Dank schneller Auszahlung eignet sich der Smava Kredit auch f\u00fcr dringende Anschaffungen.<\/li>\n<\/div><\/ul>\n<\/div><div class=\"wp-block-lazyblock-credit-card lazyblock-credit-card-1vJI4A\"><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.smava.de\/kredit\/\" 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:\/\/morenetcash.com\/wp-content\/uploads\/2025\/05\/ChatGPT-Image-5-de-mai.-de-2025-14_57_41.png\">\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          \u05e1\u05de\u05d1\u05d4 \u05e7\u05e8\u05d3\u05d9\u05d8        <\/h2>\n        <h1 class=\"text-gray-900 text-3xl title-font font-medium mb-1\">\n          \u05d0\u05e4\u05e9\u05e8\u05d5\u05d9\u05d5\u05ea \u05de\u05e7\u05d5\u05d5\u05e0\u05d5\u05ea-\u05d3\u05e8\u05dc\u05d4\u05df         <\/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              \u05e0\u05d9\u05d3\u05e8\u05d9\u05d2\u05d6\u05d9\u05e0\u05e1             <\/span>\n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              \u05e1\u05d5\u05e4\u05d5\u05e8\u05d8\u05e7\u05e8\u05d3\u05d9\u05d8             <\/span>\n                    \n        <\/div>\n        <p class=\"leading-relaxed\">\n          \u05d2\u05de\u05d9\u05e9 Laufzeiten, schnelle Online-Bearbeitung und g\u00fcnstige Zinsen ab 0,68 %.        <\/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.smava.de\/kredit\/\" 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              \u05e2\u05db\u05e9\u05d9\u05d5 \u05d1\u05d9\u05df-\u05d8\u05e8\u05d0\u05d2\u05df            <\/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.smava.de\/kredit\/\" 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              \u05e2\u05db\u05e9\u05d9\u05d5 \u05d1\u05d9\u05df-\u05d8\u05e8\u05d0\u05d2\u05df            <\/button>\n          <\/a>\n        <\/div>\n        <p class=\"text-xs text-gray-500 mt-3 text-center sm:text-right\">\n          \u05ea\u05d5\u05e2\u05d1\u05e8 \u05dc\u05d0\u05ea\u05e8 \u05d0\u05d9\u05e0\u05d8\u05e8\u05e0\u05d8 \u05d0\u05d7\u05e8        <\/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 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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(() => { 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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.smava.de\/kredit\/\" 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:\/\/morenetcash.com\/wp-content\/uploads\/2025\/05\/ChatGPT-Image-5-de-mai.-de-2025-14_57_41.png\">          \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                Laufzeiten \u05d2\u05de\u05d9\u05e9, \u05de\u05d4\u05d9\u05e8 \u05de\u05e7\u05d5\u05d5\u05df-Bearbeitung \u05d5-gunsti\u2026              <\/p>\n              <a href=\"https:\/\/www.smava.de\/kredit\/\" 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                    \u05e2\u05db\u05e9\u05d9\u05d5 \u05d1\u05d9\u05df-\u05d8\u05e8\u05d0\u05d2\u05df                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                \u05ea\u05d5\u05e2\u05d1\u05e8 \u05dc\u05d0\u05ea\u05e8 \u05d0\u05d9\u05e0\u05d8\u05e8\u05e0\u05d8 \u05d0\u05d7\u05e8              <\/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\">\u05de\u05d4 \u05d4\u05d5\u05d0 \u05d1\u05d0\u05de\u05ea \u05de\u05d1\u05dc\u05d1\u05dc?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Smava Kredit hebt sich durch mehrere Besonderheiten von anderen Angeboten ab. Diese Vorteile machen ihn zu einer beliebten Wahl f\u00fcr viele Kreditnehmer.<\/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>\u05e0\u05d9\u05d3\u05e8\u05d9\u05d2\u05d6\u05d9\u05e0\u05e1-\u05d0\u05e0\u05d2\u05d1\u05d5\u05d8\u05d4:<\/strong><br>Zinss\u00e4tze begin bereits bei sensationellen 0,68 % pa, abh\u00e4ngig von Bonit\u00e4t und Kreditlaufzeit.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>\u05e9\u05d9\u05e4\u05d5\u05e8 \u05de\u05d4\u05d9\u05e8:<\/strong><br>Der digitale Prozess erlaubt es, den Kredit innerhalb weniger Minuten zu beantragen und schnell genehmigt zu bekommen.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>\u05e1\u05db\u05d5\u05dd \u05d0\u05e9\u05e8\u05d0\u05d9 \u05d2\u05d3\u05d5\u05dc:<\/strong><br>Mit bis zu 120,000 \u05d9\u05d5\u05e8\u05d5 lassen sich auch gr\u00f6\u00dfere Investitionen problemlos finanzieren.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>\u05d2\u05de\u05d9\u05e9\u05d5\u05ea \u05d1\u05d9\u05d9 der Laufzeit:<\/strong><br>\u05d4-R\u00fcckzahlung \u05d9\u05db\u05d5\u05dc \u05dc\u05d4\u05d9\u05d5\u05ea \u05d2\u05de\u05d9\u05e9 \u05d1\u05d9\u05df 12 \u05d5-120 \u05de\u05d5\u05e0\u05d9\u05dd.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>\u05e9\u05e7\u05d9\u05e4\u05d5\u05ea \u05d2\u05d1\u05d5\u05d4\u05d4:<\/strong><br>Smava bietet umfassende Informationen zu allen Konditionen, ohne versteckte Kosten.<\/li>\n<\/div><\/ul>\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\">Ist der Smava Kredit zuverl\u00e4ssig und sicher?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Smava ist ein etabliertes Unternehmen mit \u00fcber 15 Jahren Erfahrung im Kreditvergleich.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>\u05d4\u05e4\u05dc\u05d8\u05e4\u05d5\u05e8\u05de\u05d4 \u05d4\u05d9\u05d0 T\u00dcV-gepr\u00fcft und erf\u00fcllt alle gesetzlichen Anforderungen and Datenschutz und Datensicherheit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>\u05db\u05dc \u05d4\u05d6\u05db\u05d5\u05d9\u05d5\u05ea \u05d4\u05d9\u05d5 \u05de\u05d8\u05d5\u05e4\u05dc\u05d5\u05ea \u05d5\u05e8\u05d8\u05e8\u05d0\u05d5\u05dc\u05d9\u05d5\u05ea \u05d1\u05e4\u05e8\u05d8\u05d9\u05d5\u05ea \u05d5\u05e4\u05e8\u05d8\u05e0\u05e8\u05d1\u05e0\u05e7\u05d9\u05dd.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Dar\u00fcber hinaus bietet Smava eine SSL-verschl\u00fcsselte Verbindung, die Daten\u00fcbertragung sch\u00fctzt.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Durch die Zusammenarbeit mit deutschen Banken unterliegt Smava den strengen Finanzaufsichtsregelungen der BaFin.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Die transparente Darstellung aller Kreditangebote gibt Kunden die Sicherheit, keine versteckten Kosten bef\u00fcrchten zu m\u00fcssen.<\/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\">Wof\u00fcr kann der Smava Kredit verwendet werden?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Der Smava Kredit bietet vielseitige Einsatzm\u00f6glichkeiten f\u00fcr Privatkunden.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Ganz gleich, ob es sich um eine gr\u00f6\u00dfere Anschaffung oder die Abl\u00f6sung bestehender Kredite handelt, Smava passt sich flexibel an.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Viele Kunden nutzen den Kredit f\u00fcr den Kauf eines Autos oder Motorrads. Auch Renovierungen oder Modernisierungen im eigenen Zuhause werden h\u00e4ufig finanziert.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Ein weiterer h\u00e4ufiger Verwendungszweck ist die Umschuldung, um bestehende Kredite zu besseren Konditionen zusammenzufassen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Zudem lassen sich mit dem Smava Kredit unerwartete Ausgaben wie medizinische Behandlungen oder Haushaltsger\u00e4te abdecken.<\/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\">\u05d4\u05d0\u05dd \u05d4\u05d2\u05d1\u05e8 \u05d3\u05df \u05e1\u05de\u05d1\u05d4 \u05e7\u05e8\u05d3\u05d9\u05d8?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Der Antrag f\u00fcr den Smava Kredit erfolgt vollst\u00e4ndig online und ist in wenigen Schritten abgeschlossen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Dank der benutzerfreundlichen Oberfl\u00e4che ist der Prozess auch f\u00fcr weniger erfahrene Internetnutzer einfach zu meistern.<\/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\">Schritt 1: Kreditbetrag und Laufzeit w\u00e4hlen<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Im ersten Schritt gibt der Kunde den gew\u00fcnschten Kreditbetrag sowie die gew\u00fcnschte Laufzeit ein. Ein Rechner zeigt sofort die voraussichtlichen monatlichen Raten an.<\/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\">\u05db\u05ea\u05d1 2: Pers\u00f6nliche Daten eingeben<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Anschlie\u00dfend werden pers\u00f6nliche Informationen wie Name, Adresse und Besch\u00e4ftigungsverh\u00e4ltnis abgefragt. Diese Daten sind notwendig, um passende Angebote zu ermitteln.<\/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\">\u05db\u05ea\u05d1 3: Angebote vergleichen<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Nach Eingabe aller Daten erh\u00e4lt der Kunde eine \u00dcbersicht \u00fcber verschiedene Kreditangebote. Hier k\u00f6nnen die Konditionen direkt verlichen 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\">Schritt 4: Unterlagen einreichen<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>\u05e2\u05d1\u05d5\u05e8 \u05d4-Eng\u00fcltige Genehmigung M\u00fcssen Einige Documente Hochgeladen werden, zB Gehaltsnachweise or Kontoausz\u00fcge. \u05d4\u05ea\u05d5\u05e6\u05d0\u05d4 \u05d4\u05d3\u05d9\u05d2\u05d9\u05d8\u05dc\u05d9\u05ea \u05e9\u05dc \u05e4\u05d5\u05e0\u05e7\u05e6\u05d9\u05d9\u05ea \u05d4\u05e2\u05dc\u05d0\u05d4 \u05d0\u05d7\u05ea.<\/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\">\u05db\u05ea\u05d1 5: Identit\u00e4t best\u00e4tigen<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Die Legitimation erfolgt bequem per Video-Ident oder Post-Ident. Nach Abschluss pr\u00fcft die Bank den Antrag und zahlt den Kredit aus.<\/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\">\u05e9\u05d9\u05e0\u05d5\u05d9\u05d9\u05dd<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>F\u00fcr den Smava Kredit gelten bestimmte Mindestanforderungen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Antragsteller m\u00fcssen mindestens 18 Jahre alt sein und ihren Wohnsitz in Deutschland haben.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Zudem wird ein regelm\u00e4\u00dfiges Einkommen vorausgesetzt, das aus einer festen Anstellung oder selbstst\u00e4ndiger T\u00e4tigkeit stammen kann.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Eine ausreichende Bonit\u00e4t ist ebenfalls notwendig, wobei Smava auch Angebote f\u00fcr Personen mit mittlerer Bonit\u00e4t bereith\u00e4lt.<\/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\">Lernen Sie weitere Optionen kennen: N26 Kredit<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Der Smava Kredit \u00fcberzeugt durch niedrige Zinsen, hohe Flexibilit\u00e4t und einfache Abwicklung.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Doch wer besonderen Wert auf ein komplett mobiles Banking-Erlebnis legt, sollte auch den N26 Kredit in Betracht ziehen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Der N26 Kredit richtet sich speziell an Kunden, die alle Finanzangelegenheiten bequem per Smartphone steuern 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>\u05e2\u05dd \u05d3\u05d9\u05d2\u05d9\u05d8\u05dc\u05d9 Antragstellung, Faster Auszahlung \u05d5-Nathloser \u05d0\u05d9\u05e0\u05d8\u05d2\u05e8\u05e6\u05d9\u05d4 \u05d1-N26-Konto bietet \u05d4\u05d9\u05d0 \u05d7\u05dc\u05d5\u05e4\u05d9\u05ea \u05de\u05e2\u05e9\u05d9\u05ea \u05d0\u05d7\u05ea.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Mehr Informationen zum N26 Kredit finden Sie in unserem ausf\u00fchrlichen Vergleichsartikel \u2013 ein Klick lohnt sich f\u00fcr alle, die Wert auf moderns Banking legen.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-7e8lY\">\n  <section class=\"cta 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 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Laufzeiten \u05d2\u05de\u05d9\u05e9, \u05de\u05d4\u05d9\u05e8 \u05d5-T\u00dcV-zertifizierte Sicherheit f\u00fcr Ihren Online-Kredit.<\/p>","protected":false},"author":15,"featured_media":3323,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[2,169],"tags":[376],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Smava Kredit: G\u00fcnstige Zinsen ab 0,68 % und flexible Laufzeiten -<\/title>\n<meta name=\"description\" content=\"Vergleichen Sie den Smava Kredit mit Top-Konditionen ab 0,68\u202f%. 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