{"id":16071,"date":"2024-09-10T15:03:46","date_gmt":"2024-09-10T13:03:46","guid":{"rendered":"https:\/\/www.metamorphouse.ch\/?p=16071"},"modified":"2025-10-15T16:06:14","modified_gmt":"2025-10-15T15:06:14","slug":"kosten-nutzen","status":"publish","type":"post","link":"https:\/\/www.metamorphouse.ch\/de\/couts-benefices\/","title":{"rendered":"Die Kosten-Nutzen-Analyse"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"16071\" class=\"elementor elementor-16071\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f767a4e e-flex e-con-boxed e-con e-parent\" data-id=\"6f767a4e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2fd429d elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2fd429d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.metamorphouse.ch\/de\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Home<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.metamorphouse.ch\/de\/financement\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-angle-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Financement<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-angle-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Analyse co\u00fbts-b\u00e9n\u00e9fices de la subdivision d\u2019une villa<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9acbef7 elementor-toc--content-ellipsis elementor-widget__width-initial elementor-toc--minimized-on-desktop elementor-absolute elementor-hidden-mobile elementor-hidden-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"9acbef7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;exclude_headings_by_selector&quot;:&quot;.no-toc&quot;,&quot;headings_by_tags&quot;:[&quot;h1&quot;,&quot;h2&quot;,&quot;h3&quot;],&quot;marker_view&quot;:&quot;bullets&quot;,&quot;icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;minimized_on&quot;:&quot;desktop&quot;,&quot;_position&quot;:&quot;absolute&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:90,&quot;no_headings_message&quot;:&quot;Aucun titre n\\u2019a \\u00e9t\\u00e9 trouv\\u00e9 sur cette page.&quot;,&quot;sticky_anchor_link_offset&quot;:90,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet_extra&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_effects_offset&quot;:0}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<div class=\"elementor-toc__header-title\">\n\t\t\t\tTable des mati\u00e8res\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__9acbef7\" aria-expanded=\"true\" aria-label=\"Ouvrir la table des mati\u00e8res\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__9acbef7\" aria-expanded=\"true\" aria-label=\"Fermer la table des mati\u00e8res\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__9acbef7\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7371cb7 elementor-fixed elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"7371cb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;fixed&quot;,&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_opacity_effect&quot;:&quot;yes&quot;,&quot;motion_fx_opacity_range&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:0,&quot;end&quot;:53}},&quot;motion_fx_opacity_direction&quot;:&quot;out-in&quot;,&quot;motion_fx_opacity_level&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet_extra&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"#top-menu\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-circle-up\"><\/i>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77d3ea3 no-toc elementor-widget elementor-widget-heading\" data-id=\"77d3ea3\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"top-menu\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Analyse co\u00fbts-b\u00e9n\u00e9fices de la subdivision d\u2019une villa<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-368ebea elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"368ebea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le th\u00e8me est abord\u00e9 de trois mani\u00e8res compl\u00e9mentaires:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63a2ec4 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"63a2ec4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#interview1\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-down\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Une interview de Philippe Favarger, organis\u00e9e en de courtes vid\u00e9os th\u00e9matiques<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#exemple2\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-down\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Un exemple de balance co\u00fbts-b\u00e9n\u00e9fices<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#article3\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-down\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Un article de Philippe Thalmann et Philippe Favarger qui aborde le th\u00e8me en profondeur.<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b6d61d1 e-con-full e-flex e-con e-child\" data-id=\"b6d61d1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ced8578 e-con-full e-flex e-con e-child\" data-id=\"ced8578\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d676be elementor-widget elementor-widget-image\" data-id=\"4d676be\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"faverger\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Faverger-1024x1024.webp\" class=\"attachment-large size-large wp-image-16650\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Faverger-1024x1024.webp 1024w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Faverger-300x300.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Faverger-150x150.webp 150w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Faverger-768x768.webp 768w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Faverger-12x12.png 12w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Faverger.webp 1350w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c571499 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"c571499\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Philippe Favarger<\/b><\/p><p>Docteur en \u00e9conomie.<\/p><p>Consultant immobilier ind\u00e9pendant (expertises, conseils, assistance \u00e0 ma\u00eetrise d&rsquo;ouvrage, pilotage de projets).<\/p><p>Charg\u00e9 de cours \u00e0 l\u2019<a href=\"https:\/\/www.epfl.ch\/fr\/\">EPFL<\/a> (<a href=\"https:\/\/www.formation-continue-unil-epfl.ch\/formation\/expertise-immobilier-mas\/\" target=\"_blank\" rel=\"noopener\">CAS<\/a> en Expertise \u00e9conomique dans l&rsquo;immobilier).<\/p><p>Ancien directeur immobilier \u00e0 l&rsquo;office du logement du Canton de Gen\u00e8ve.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a5f1e31 e-con-full e-flex e-con e-child\" data-id=\"a5f1e31\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-522926a elementor-widget elementor-widget-image\" data-id=\"522926a\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"thalmann\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Thalmann-1024x1024.webp\" class=\"attachment-large size-large wp-image-16651\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Thalmann-1024x1024.webp 1024w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Thalmann-300x300.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Thalmann-150x150.webp 150w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Thalmann-768x768.webp 768w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Thalmann-12x12.png 12w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Thalmann.webp 1350w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e16337 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8e16337\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Philippe Thalmann<\/b><\/p><p>Docteur en \u00e9conomie.<\/p><p><a href=\"https:\/\/people.epfl.ch\/philippe.thalmann\/?lang=fr\">Professeur <\/a>d&rsquo;\u00e9conomie \u00e0 l&rsquo;<a href=\"https:\/\/www.epfl.ch\/fr\/\">EPFL<\/a>.<\/p><p>Dirige le Laboratoire d&rsquo;\u00e9conomie urbaine et de l&rsquo;environnement (<a href=\"https:\/\/search.epfl.ch\/?filter=unit&amp;q=LEURE\">LEURE<\/a>), rattach\u00e9 \u00e0 la Facult\u00e9 Environnement naturel, architectural et construit (<a href=\"https:\/\/www.epfl.ch\/schools\/enac\/fr\/\">ENAC<\/a>) de l\u2019<a href=\"https:\/\/www.epfl.ch\/fr\/\">EPFL<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-82cdb5c e-flex e-con-boxed e-con e-child\" data-id=\"82cdb5c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0c3ed57 elementor-widget elementor-widget-menu-anchor\" data-id=\"0c3ed57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"interview1\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9cd584f elementor-widget elementor-widget-heading\" data-id=\"9cd584f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Interview de Philippe Favarger<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a83d0d e-con-full e-flex e-con e-child\" data-id=\"7a83d0d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-01d4a86 e-con-full e-flex e-con e-child\" data-id=\"01d4a86\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a865534 elementor-widget elementor-widget-heading\" data-id=\"a865534\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Le co\u00fbt d'opportunit\u00e9<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc8bf25 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"bc8bf25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lorsque l\u2019on envisage de diviser sa maison en plusieurs appartements, il est important d\u2019aborder la question des co\u00fbts de mani\u00e8re exhaustive et d\u2019\u00e9tablir une liste compl\u00e8te des co\u00fbts (inconv\u00e9nients) et des b\u00e9n\u00e9fices (avantages).<\/p><p>Certains co\u00fbts sont moins \u00e9vidents, comme les co\u00fbts d\u2019opportunit\u00e9 ainsi que les co\u00fbts sociaux et subjectifs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7646244 e-con-full e-flex e-con e-child\" data-id=\"7646244\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73a57e2 bloc-teasing elementor-widget elementor-widget-video\" data-id=\"73a57e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;vimeo&quot;,&quot;show_image_overlay&quot;:&quot;yes&quot;,&quot;image_overlay&quot;:{&quot;url&quot;:&quot;http:\\\/\\\/www.metamorphouse.ch\\\/wp-content\\\/uploads\\\/1-thumb-FR.webp&quot;,&quot;id&quot;:17157,&quot;size&quot;:&quot;&quot;,&quot;alt&quot;:&quot;&quot;,&quot;source&quot;:&quot;library&quot;},&quot;lightbox&quot;:&quot;yes&quot;,&quot;lazy_load&quot;:&quot;yes&quot;}\" data-no-translation=\"\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-73a57e2{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<a class=\"elementor-element elementor-element-81c0850 e-con-full e-flex e-con e-child\" data-id=\"81c0850\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-no-translation=\"\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjE4MjgxIiwidG9nZ2xlIjpmYWxzZX0%3D\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b72e36 elementor-widget elementor-widget-image\" data-id=\"7b72e36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"432\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/1-thumb-DE-play-768x432.webp\" class=\"attachment-medium_large size-medium_large wp-image-18294\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/1-thumb-DE-play-768x432.webp 768w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/1-thumb-DE-play-300x169.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/1-thumb-DE-play-1024x576.webp 1024w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/1-thumb-DE-play-1536x864.png 1536w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/1-thumb-DE-play-18x10.png 18w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/1-thumb-DE-play.webp 1920w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b0a859 e-con-full e-flex e-con e-child\" data-id=\"5b0a859\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5d71a6b e-con-full e-flex e-con e-child\" data-id=\"5d71a6b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-748a423 elementor-widget elementor-widget-heading\" data-id=\"748a423\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">B\u00e9n\u00e9fices et inconv\u00e9nients subjectifs<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-774099e elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"774099e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Certains de ces facteurs non mon\u00e9taires peuvent \u00eatre quantifi\u00e9s et int\u00e9gr\u00e9s dans le bilan \u00e9conomique. D\u2019autres peuvent \u00eatre mis en balance avec des avantages subjectifs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c5f2c7f e-con-full e-flex e-con e-child\" data-id=\"c5f2c7f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2a0badd bloc-teasing elementor-widget elementor-widget-video\" data-id=\"2a0badd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;vimeo&quot;,&quot;image_overlay&quot;:{&quot;url&quot;:&quot;http:\\\/\\\/www.metamorphouse.ch\\\/wp-content\\\/uploads\\\/2-thumb-FR.webp&quot;,&quot;id&quot;:17159,&quot;size&quot;:&quot;&quot;,&quot;alt&quot;:&quot;&quot;,&quot;source&quot;:&quot;library&quot;},&quot;lightbox&quot;:&quot;yes&quot;,&quot;lazy_load&quot;:&quot;yes&quot;,&quot;show_image_overlay&quot;:&quot;yes&quot;}\" data-no-translation=\"\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-2a0badd{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<a class=\"elementor-element elementor-element-2c4805a e-con-full e-flex e-con e-child\" data-id=\"2c4805a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-no-translation=\"\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjE4MzI5IiwidG9nZ2xlIjpmYWxzZX0%3D\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9f3785 elementor-widget elementor-widget-image\" data-id=\"b9f3785\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"432\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/2-thumb-DE-play-768x432.webp\" class=\"attachment-medium_large size-medium_large wp-image-18295\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/2-thumb-DE-play-768x432.webp 768w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/2-thumb-DE-play-300x169.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/2-thumb-DE-play-1024x576.webp 1024w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/2-thumb-DE-play-1536x864.png 1536w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/2-thumb-DE-play-18x10.png 18w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/2-thumb-DE-play.webp 1920w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3da76ae e-con-full e-flex e-con e-child\" data-id=\"3da76ae\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8165a2b e-con-full e-flex e-con e-child\" data-id=\"8165a2b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38de3ab elementor-widget elementor-widget-heading\" data-id=\"38de3ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Les \u00e9tapes \u00e9conomiques d'un projet<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb70b7f elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"bb70b7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La r\u00e9flexion sur le rapport co\u00fbts-b\u00e9n\u00e9fices doit se faire avant m\u00eame de rechercher un financement, car elle permet une \u00e9valuation globale du projet du point de vue des propri\u00e9taires.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3f6db84 e-con-full e-flex e-con e-child\" data-id=\"3f6db84\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34dab4e bloc-teasing elementor-widget elementor-widget-video\" data-id=\"34dab4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;vimeo&quot;,&quot;image_overlay&quot;:{&quot;url&quot;:&quot;http:\\\/\\\/www.metamorphouse.ch\\\/wp-content\\\/uploads\\\/3-thumb-FR.webp&quot;,&quot;id&quot;:17161,&quot;size&quot;:&quot;&quot;,&quot;alt&quot;:&quot;&quot;,&quot;source&quot;:&quot;library&quot;},&quot;lightbox&quot;:&quot;yes&quot;,&quot;lazy_load&quot;:&quot;yes&quot;,&quot;show_image_overlay&quot;:&quot;yes&quot;}\" data-no-translation=\"\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-34dab4e{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<a class=\"elementor-element elementor-element-d53716f e-con-full e-flex e-con e-child\" data-id=\"d53716f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-no-translation=\"\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjE4MzMxIiwidG9nZ2xlIjpmYWxzZX0%3D\">\n\t\t\t\t<div class=\"elementor-element elementor-element-660373e elementor-widget elementor-widget-image\" data-id=\"660373e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"432\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/3-thumb-DE-play-768x432.webp\" class=\"attachment-medium_large size-medium_large wp-image-18296\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/3-thumb-DE-play-768x432.webp 768w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/3-thumb-DE-play-300x169.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/3-thumb-DE-play-1024x576.webp 1024w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/3-thumb-DE-play-1536x864.png 1536w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/3-thumb-DE-play-18x10.png 18w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/3-thumb-DE-play.webp 1920w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b75b54 e-con-full e-flex e-con e-child\" data-id=\"5b75b54\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b60ed6a e-con-full e-flex e-con e-child\" data-id=\"b60ed6a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e00d3f elementor-widget elementor-widget-heading\" data-id=\"3e00d3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Financer l'assainissement \u00e9nerg\u00e9tique<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f3a0ee elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"5f3a0ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La cr\u00e9ation d&rsquo;un logement suppl\u00e9mentaire peut favoriser le financement d&rsquo;une\u00a0<span style=\"letter-spacing: 0.8px;\">r\u00e9novation<\/span>\u00a0\u00e9nerg\u00e9tique et\/ou d&rsquo;une adaptation sans barri\u00e8res et s&rsquo;av\u00e9rer \u00eatre une strat\u00e9gie rentable. Le calcul des co\u00fbts-b\u00e9n\u00e9fices permet de le mettre en \u00e9vidence.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-91f9387 e-con-full e-flex e-con e-child\" data-id=\"91f9387\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9fee269 bloc-teasing elementor-widget elementor-widget-video\" data-id=\"9fee269\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;vimeo&quot;,&quot;image_overlay&quot;:{&quot;url&quot;:&quot;http:\\\/\\\/www.metamorphouse.ch\\\/wp-content\\\/uploads\\\/4-thumb-FR.webp&quot;,&quot;id&quot;:17163,&quot;size&quot;:&quot;&quot;,&quot;alt&quot;:&quot;&quot;,&quot;source&quot;:&quot;library&quot;},&quot;lightbox&quot;:&quot;yes&quot;,&quot;lazy_load&quot;:&quot;yes&quot;,&quot;show_image_overlay&quot;:&quot;yes&quot;}\" data-no-translation=\"\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-9fee269{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<a class=\"elementor-element elementor-element-ecdaf11 e-con-full e-flex e-con e-child\" data-id=\"ecdaf11\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-no-translation=\"\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjE4MzMwIiwidG9nZ2xlIjpmYWxzZX0%3D\">\n\t\t\t\t<div class=\"elementor-element elementor-element-84a258d elementor-widget elementor-widget-image\" data-id=\"84a258d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"432\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/4-thumb-DE-play-768x432.webp\" class=\"attachment-medium_large size-medium_large wp-image-18297\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/4-thumb-DE-play-768x432.webp 768w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/4-thumb-DE-play-300x169.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/4-thumb-DE-play-1024x576.webp 1024w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/4-thumb-DE-play-1536x864.png 1536w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/4-thumb-DE-play-18x10.png 18w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/4-thumb-DE-play.webp 1920w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0e3f92c e-con-full e-flex e-con e-child\" data-id=\"0e3f92c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-af6f4a5 e-con-full e-flex e-con e-child\" data-id=\"af6f4a5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c6573e elementor-widget elementor-widget-heading\" data-id=\"4c6573e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Offrir un loyer pr\u00e9f\u00e9rentiel<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b9bdf7 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"5b9bdf7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dans le cadre de la division de la maison, l\u2019un des appartements pourrait \u00eatre mis \u00e0 disposition d\u2019un membre de la famille ou d\u2019une personne proche. Un loyer inf\u00e9rieur au prix du march\u00e9 pourrait \u00eatre envisag\u00e9. L&rsquo;analyse co\u00fbts-b\u00e9n\u00e9fices aide \u00e0 \u00e9valuer les cons\u00e9quences de cette d\u00e9cision.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b32814e e-con-full e-flex e-con e-child\" data-id=\"b32814e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-afedcc2 bloc-teasing elementor-widget elementor-widget-video\" data-id=\"afedcc2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;vimeo&quot;,&quot;image_overlay&quot;:{&quot;url&quot;:&quot;http:\\\/\\\/www.metamorphouse.ch\\\/wp-content\\\/uploads\\\/5-thumb-FR.webp&quot;,&quot;id&quot;:17165,&quot;size&quot;:&quot;&quot;,&quot;alt&quot;:&quot;&quot;,&quot;source&quot;:&quot;library&quot;},&quot;lightbox&quot;:&quot;yes&quot;,&quot;lazy_load&quot;:&quot;yes&quot;,&quot;show_image_overlay&quot;:&quot;yes&quot;}\" data-no-translation=\"\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-afedcc2{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<a class=\"elementor-element elementor-element-216c4b3 e-con-full e-flex e-con e-child\" data-id=\"216c4b3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-no-translation=\"\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjE4MzMzIiwidG9nZ2xlIjpmYWxzZX0%3D\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7cbf64c elementor-widget elementor-widget-image\" data-id=\"7cbf64c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"432\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/5-thumb-DE-play-768x432.webp\" class=\"attachment-medium_large size-medium_large wp-image-18298\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/5-thumb-DE-play-768x432.webp 768w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/5-thumb-DE-play-300x169.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/5-thumb-DE-play-1024x576.webp 1024w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/5-thumb-DE-play-1536x864.png 1536w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/5-thumb-DE-play-18x10.png 18w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/5-thumb-DE-play.webp 1920w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a37cc20 e-con-full e-flex e-con e-child\" data-id=\"a37cc20\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-cd53dac e-con-full e-flex e-con e-child\" data-id=\"cd53dac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cfefb13 elementor-widget elementor-widget-heading\" data-id=\"cfefb13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Conclusion<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7760edb elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"7760edb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pour conclure, Philippe Favarger souligne que la division d\u2019une maison est particuli\u00e8rement int\u00e9ressante dans certains cas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0461d54 e-con-full e-flex e-con e-child\" data-id=\"0461d54\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7cb8fe bloc-teasing elementor-widget elementor-widget-video\" data-id=\"c7cb8fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;vimeo&quot;,&quot;image_overlay&quot;:{&quot;url&quot;:&quot;http:\\\/\\\/www.metamorphouse.ch\\\/wp-content\\\/uploads\\\/6-thumb-FR.webp&quot;,&quot;id&quot;:17167,&quot;size&quot;:&quot;&quot;,&quot;alt&quot;:&quot;&quot;,&quot;source&quot;:&quot;library&quot;},&quot;lightbox&quot;:&quot;yes&quot;,&quot;lazy_load&quot;:&quot;yes&quot;,&quot;show_image_overlay&quot;:&quot;yes&quot;}\" data-no-translation=\"\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-c7cb8fe{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<a class=\"elementor-element elementor-element-2b8f3ed e-con-full e-flex e-con e-child\" data-id=\"2b8f3ed\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-no-translation=\"\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjE4MzMyIiwidG9nZ2xlIjpmYWxzZX0%3D\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd7f85b elementor-widget elementor-widget-image\" data-id=\"cd7f85b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"432\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/6-thumb-DE-play-768x432.webp\" class=\"attachment-medium_large size-medium_large wp-image-18299\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/6-thumb-DE-play-768x432.webp 768w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/6-thumb-DE-play-300x169.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/6-thumb-DE-play-1024x576.webp 1024w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/6-thumb-DE-play-1536x864.png 1536w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/6-thumb-DE-play-18x10.png 18w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/6-thumb-DE-play.webp 1920w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22f8f8f elementor-widget elementor-widget-spacer\" data-id=\"22f8f8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c9dd1f0 e-con-full e-flex e-con e-child\" data-id=\"c9dd1f0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e16c5ae elementor-hidden-desktop elementor-hidden-tablet_extra elementor-widget elementor-widget-image\" data-id=\"e16c5ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1350\" height=\"1301\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/kosten-nutzen-abwaegen.webp\" class=\"attachment-full size-full wp-image-17030\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/kosten-nutzen-abwaegen.webp 1350w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/kosten-nutzen-abwaegen-300x289.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/kosten-nutzen-abwaegen-1024x987.webp 1024w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/kosten-nutzen-abwaegen-768x740.webp 768w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/kosten-nutzen-abwaegen-12x12.jpg 12w\" sizes=\"(max-width: 1350px) 100vw, 1350px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c427d5d elementor-hidden-desktop elementor-hidden-tablet_extra elementor-widget elementor-widget-image\" data-id=\"c427d5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-c427d5d{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2024faa e-con-full e-flex e-con e-child\" data-id=\"2024faa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ef08bd elementor-widget elementor-widget-menu-anchor\" data-id=\"7ef08bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"exemple2\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48448d6 elementor-widget elementor-widget-heading\" data-id=\"48448d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Balance co\u00fbts-b\u00e9n\u00e9fices<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfd2557 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"bfd2557\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le tableau ci-dessous pr\u00e9sente un exemple de balance co\u00fbts-b\u00e9n\u00e9fices de la subdivision d\u2019une villa. Nous vous proposons de vous l\u2019approprier et de l\u2019utiliser comme base de r\u00e9flexion pour \u00e9valuer votre projet.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c2c74e4 e-con-full elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"c2c74e4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-264d56a elementor-widget elementor-widget-template\" data-id=\"264d56a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"16656\" class=\"elementor elementor-16656\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-847fa5d e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"847fa5d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-51a871d e-con-full e-flex e-con e-child\" data-id=\"51a871d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-26e9c29 e-con-full e-flex e-con e-child\" data-id=\"26e9c29\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-973c4f9 e-con-full e-flex e-con e-child\" data-id=\"973c4f9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e4af5a elementor-widget elementor-widget-heading\" data-id=\"3e4af5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Co\u00fbts \/ inconv\u00e9nients<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f187beb e-con-full e-flex e-con e-child\" data-id=\"f187beb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-af12b2c elementor-widget elementor-widget-heading\" data-id=\"af12b2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">B\u00e9n\u00e9fices \/ avantages<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c6343f3 e-con-full e-flex e-con e-child\" data-id=\"c6343f3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-619ca81 e-con-full e-flex e-con e-child\" data-id=\"619ca81\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6747e78 elementor-widget elementor-widget-heading\" data-id=\"6747e78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Villa originale<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-804f7b0 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"804f7b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"163\" height=\"300\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/schema-2-1-163x300.jpg\" class=\"attachment-medium size-medium wp-image-5216\" alt=\"Sch\u00e9ma M\u00e9tamorpHouse, \u00e9tape 3\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/schema-2-1-163x300.jpg 163w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/schema-2-1-555x1024.jpg 555w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/schema-2-1-7x12.jpg 7w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/schema-2-1-450x831.jpg 450w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/schema-2-1-338x624.jpg 338w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/schema-2-1.jpg 650w\" sizes=\"(max-width: 163px) 100vw, 163px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-93d35ee e-con-full e-flex e-con e-child\" data-id=\"93d35ee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-21ea426 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"21ea426\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Int\u00e9r\u00eats hypoth\u00e9caires<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Charges effectives: frais d'entretien, taxes, assurances, etc.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Imp\u00f4ts<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Co\u00fbt d'opportunit\u00e9 des fonds propres<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Co\u00fbts d'opportunit\u00e9 des r\u00e9serves (\u00e0 b\u00e2tir, \u00e0 habiter, \u00e0 transformer)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bd10341 e-con-full e-flex e-con e-child\" data-id=\"bd10341\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2308eb7 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2308eb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Valeur d'usage<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Valeur \u00e9motionnelle<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> \u2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d4b8b69 e-con-full e-flex e-con e-child\" data-id=\"d4b8b69\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-bd8f849 e-con-full e-flex e-con e-child\" data-id=\"bd8f849\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f0a41f3 elementor-widget elementor-widget-heading\" data-id=\"f0a41f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Travaux<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-661f465 e-con-full e-flex e-con e-child\" data-id=\"661f465\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73d50ac elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"73d50ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Co\u00fbts annualis\u00e9s de la r\u00e9novation<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Co\u00fbts annualis\u00e9s de la subdivision<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">D\u00e9sagr\u00e9ments li\u00e9s aux travaux<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Location alternative durant les travaux<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Stress de g\u00e9rer la complexit\u00e9 de l'op\u00e9ration<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b25cce e-con-full e-flex e-con e-child\" data-id=\"7b25cce\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aa8d528 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"aa8d528\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Enthousiasme de mener un nouveau projet<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Diminution de l'impact \u00e9cologique<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Un bien immobilier r\u00e9nov\u00e9 qui n\u00e9cessite moins d'entretien<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2cc6997 e-con-full e-flex e-con e-child\" data-id=\"2cc6997\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-851b328 e-con-full e-flex e-con e-child\" data-id=\"851b328\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b213803 elementor-widget elementor-widget-heading\" data-id=\"b213803\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Nouveau logement<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c2eb17 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"8c2eb17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"555\" height=\"1024\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/schema-3-1-555x1024.jpg\" class=\"attachment-large size-large wp-image-5217\" alt=\"Sch\u00e9ma M\u00e9tamorpHouse, \u00e9tape 3\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/schema-3-1-555x1024.jpg 555w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/schema-3-1-163x300.jpg 163w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/schema-3-1-7x12.jpg 7w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/schema-3-1-450x831.jpg 450w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/schema-3-1-338x624.jpg 338w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/schema-3-1.jpg 650w\" sizes=\"(max-width: 555px) 100vw, 555px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-28c1002 e-con-full e-flex e-con e-child\" data-id=\"28c1002\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e77e3c8 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e77e3c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">D\u00e9pr\u00e9ciation du bien du fait des deux habitations<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Imp\u00f4ts sur le nouveau revenu locatif<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ccd1fe0 e-con-full e-flex e-con e-child\" data-id=\"ccd1fe0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a8e4cb0 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"a8e4cb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Nouveau revenu locatif<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Aide en nature, service \u00e0 la personne, entretien<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Sentiment de s\u00e9curit\u00e9<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Possibilit\u00e9 de loger un proche<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Contacts sociaux<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c6fe6b4 e-con-full e-flex e-con e-child\" data-id=\"c6fe6b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-904935f e-con-full e-flex e-con e-child\" data-id=\"904935f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-420dac2 elementor-widget elementor-widget-heading\" data-id=\"420dac2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Surface habitable <span>perdue<\/span> par le logement original<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-302507c e-con-full e-flex e-con e-child\" data-id=\"302507c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ac5021b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ac5021b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Valeur d'usage perdue<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Co\u00fbt d'h\u00e9bergement des visites<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b453325 e-con-full e-flex e-con e-child\" data-id=\"b453325\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61a7e0f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"61a7e0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Baisse d'imp\u00f4ts<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Moins de surface \u00e0 nettoyer<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Moins d'\u00e9tages \u00e0 monter<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">R\u00e9duction de l'empreinte \u00e9cologique<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5912b11 e-con-full e-flex e-con e-child\" data-id=\"5912b11\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0321c47 e-con-full e-flex e-con e-child\" data-id=\"0321c47\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-92713d9 elementor-widget elementor-widget-heading\" data-id=\"92713d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Surface habitable ajout\u00e9e au logement original<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8beda03 e-con-full e-flex e-con e-child\" data-id=\"8beda03\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb4243a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"cb4243a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Co\u00fbt annualis\u00e9 de l'extension<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Augmentation fiscale<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e7a3354 e-con-full e-flex e-con e-child\" data-id=\"e7a3354\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d6bcae elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5d6bcae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Valorisation des r\u00e9serves (\u00e0 b\u00e2tir, \u00e0 habiter, \u00e0 transformer)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Habitation de plain-pied<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Logement sans obstacles<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b5219e elementor-widget elementor-widget-spacer\" data-id=\"5b5219e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c9db06 e-con-full e-flex e-con e-child\" data-id=\"1c9db06\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-632d0de elementor-widget elementor-widget-template\" data-id=\"632d0de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"20975\" class=\"elementor elementor-20975\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a108e68 zone-liens e-flex e-con-boxed e-con e-child\" data-id=\"a108e68\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2512fc3 elementor-widget elementor-widget-heading\" data-id=\"2512fc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.metamorphouse.ch\/de\/financement\/\">Questions de financement<\/a><\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d4584d elementor-widget elementor-widget-html\" data-id=\"9d4584d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>\ndocument.addEventListener(\"DOMContentLoaded\", function() {\n  const zone = document.querySelector('.zone-liens');\n  if (!zone) return;\n\n  const currentURL = window.location.href.split('#')[0];\n  const links = zone.querySelectorAll('a[href]');\n\n  links.forEach(link => {\n    const linkURL = link.href.split('#')[0];\n    if (linkURL === currentURL) {\n      link.classList.add('lien-actif');\n    }\n  });\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-20f17f4 e-con-full e-flex e-con e-child\" data-id=\"20f17f4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e11857c elementor-align-start elementor-mobile-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e11857c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.metamorphouse.ch\/de\/la-subdivision-coute-et-rapporte\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">La subdivision co\u00fbte\u2026 et rapporte&#8239;!<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.metamorphouse.ch\/de\/regles-financement\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Comprendre les r\u00e8gles de financement<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.metamorphouse.ch\/de\/poser-les-bases-du-financement\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Poser les bases du financement<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d83e603 elementor-align-start elementor-mobile-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d83e603\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.metamorphouse.ch\/de\/financer-une-subdivision\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Financer la subdivision d'une villa<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.metamorphouse.ch\/de\/comptabiliser-le-loyer\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Comptabiliser le loyer<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.metamorphouse.ch\/de\/couts-benefices\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Analyse co\u00fbts-b\u00e9n\u00e9fices<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17cc3ce elementor-widget elementor-widget-spacer\" data-id=\"17cc3ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97502a9 elementor-widget elementor-widget-menu-anchor\" data-id=\"97502a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"article3\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ed03f27 e-con-full e-flex e-con e-child\" data-id=\"ed03f27\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b2f28e elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"7b2f28e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00c9valuation \u00e9conomique de la <br>subdivision d\u2019une\nmaison familiale en deux logements<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2358c04 elementor-widget elementor-widget-text-editor\" data-id=\"2358c04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"#faverger\">Philippe Favarger<\/a> et\u00a0<span style=\"letter-spacing: 0.8px; text-align: var(--text-align); color: var( --e-global-color-text ); font-family: var( --e-global-typography-5154eff-font-family ), Sans-serif; font-size: var( --e-global-typography-5154eff-font-size ); font-weight: var( --e-global-typography-5154eff-font-weight ); word-spacing: var( --e-global-typography-5154eff-word-spacing );\"><a href=\"#thalmann\">Philippe Thalmann<\/a><\/span><span style=\"text-align: var(--text-align); color: var( --e-global-color-text ); font-family: var( --e-global-typography-5154eff-font-family ), Sans-serif; font-size: var( --e-global-typography-5154eff-font-size ); font-weight: var( --e-global-typography-5154eff-font-weight ); letter-spacing: var( --e-global-typography-5154eff-letter-spacing ); word-spacing: var( --e-global-typography-5154eff-word-spacing );\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-adb31df e-con-full e-flex e-con e-child\" data-id=\"adb31df\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e793ce5 elementor-widget elementor-widget-text-editor\" data-id=\"e793ce5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Cet article est tir\u00e9 du livre \u00ab<a href=\"https:\/\/www.epflpress.org\/produit\/671\/9782889150601\/metamorphouse\" target=\"_blank\" rel=\"noopener\">M\u00e9tamorpHouse. Transformer sa maison au fil de la vie<\/a>\u00bb. Mariette Beyeler (auteure). EPFL Press 2014, pp. 151-158. Il est mis \u00e0 disposition sous licence <a href=\"https:\/\/www.metamorphouse.ch\/reutilisation-des-contenus\/\">Creative Commons CC-BY-NC-ND 4.0<\/a> avec l\u2019aimable accord des auteurs et de l\u2019\u00e9diteur.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da5a3ff elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"da5a3ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"http:\/\/www.metamorphouse.ch\/wp-content\/uploads\/MetamorpHouse_article_Faverger-Thalmann.pdf\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-file\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">T\u00e9l\u00e9charger l'article en PDF<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c38582 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1c38582\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-1c38582{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-caef172 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"caef172\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.metamorphouse.ch\/de\/le-livre\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"538\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/metamorphouse-cover-768x538.jpg\" class=\"attachment-medium_large size-medium_large wp-image-3566\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/metamorphouse-cover-768x538.jpg 768w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/metamorphouse-cover-300x210.jpg 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/metamorphouse-cover-1024x717.jpg 1024w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/metamorphouse-cover-1536x1075.jpg 1536w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/metamorphouse-cover-18x12.jpg 18w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/metamorphouse-cover.jpg 1980w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47e71fe elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"47e71fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Contexte<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-216db94 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"216db94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLes trente ann\u00e9es \u00abglorieuses\u00bb qui ont suivi la Seconde Guerre mondiale ont vu une tr\u00e8s forte croissance d\u00e9mographique et \u00e9conomique. De nombreux m\u00e9nages ont quitt\u00e9 la ville pour une maison en p\u00e9riph\u00e9rie avec jardin pour y \u00e9lever leurs enfants. Aujourd\u2019hui, les enfants sont partis depuis longtemps, la maison est devenue trop grande et les parents \u00e9prouvent des difficult\u00e9s croissantes \u00e0 entretenir le jardin.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98caec2 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"98caec2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tDepuis 2007, la Suisse vit \u00e0 nouveau au rythme d\u2019une forte croissance d\u00e9mographique. La construction de logements ne l\u2019a pas pr\u00e9vu, avec pour cons\u00e9quence une p\u00e9nurie qui pousse les prix et les loyers du march\u00e9 \u00e0 des niveaux incompatibles avec les ressources financi\u00e8res de la majorit\u00e9 de la population. De nombreux m\u00e9nages peinent \u00e0 se loger et n\u2019osent m\u00eame pas r\u00eaver d\u2019un bout de jardin.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5aa249a elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5aa249a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tOn voit facilement que les int\u00e9r\u00eats des uns et des autres peuvent converger et on entrevoit rapidement la solution\u2009: subdiviser les maisons individuelles sous-occup\u00e9es. Deux logements ad\u00e9quats valent mieux qu\u2019un logement trop grand pour l\u2019un et pas de logement pour l\u2019autre. De plus, un tel partage r\u00e9pondrait \u00e0 l\u2019int\u00e9r\u00eat public d\u2019une utilisation mesur\u00e9e du sol.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68133db elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"68133db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLe pr\u00e9sent article recense les co\u00fbts et les b\u00e9n\u00e9fices li\u00e9s \u00e0 la subdivision d\u2019une maison familiale en deux logements. Il montre comment mesurer des \u00e9l\u00e9ments pas forc\u00e9ment mon\u00e9taires et comment \u00e9tablir un bilan \u00e9conomique pr\u00e9visionnel qui permette de d\u00e9cider en toute connaissance de cause s\u2019il convient de se lancer ou non dans une telle aventure.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d41e41 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"6d41e41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Probl\u00e9matique<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fd3835 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8fd3835\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLes propri\u00e9taires \u00e2g\u00e9s auront peut-\u00eatre rembours\u00e9 leur dette hypoth\u00e9caire et donc le sentiment que leur maison ne leur co\u00fbte rien. Pas tout \u00e0 fait, tout de m\u00eame, puisqu\u2019il reste des frais d\u2019entretien, diverses taxes et primes d\u2019assurance, ainsi que l\u2019imposition de la valeur locative dans le cadre de l\u2019imp\u00f4t sur le revenu et celle de la valeur immobili\u00e8re dans le cadre de l\u2019imp\u00f4t sur la fortune. Ces d\u00e9penses sont bien inf\u00e9rieures au loyer pour un tel logement, mais elles peuvent peser lourd dans le budget de retrait\u00e9s.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-060ec6f elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"060ec6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tCe qui importe davantage d\u2019un point de vue \u00e9conomique, c\u2019est le fait qu\u2019occuper cette maison devenue trop grande repr\u00e9sente un co\u00fbt d\u2019opportunit\u00e9 relativement \u00e9lev\u00e9. En effet, les propri\u00e9taires pourraient la mettre en location, voire la vendre, et ainsi d\u00e9gager un revenu auquel ils renoncent en restant les seuls occupants de la maison.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0984016 bloc-teasing elementor-widget__width-initial elementor-hidden-mobile elementor-widget elementor-widget-video\" data-id=\"0984016\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;vimeo&quot;,&quot;show_image_overlay&quot;:&quot;yes&quot;,&quot;image_overlay&quot;:{&quot;url&quot;:&quot;http:\\\/\\\/www.metamorphouse.ch\\\/wp-content\\\/uploads\\\/1-thumb-FR.webp&quot;,&quot;id&quot;:17157,&quot;size&quot;:&quot;&quot;,&quot;alt&quot;:&quot;&quot;,&quot;source&quot;:&quot;library&quot;},&quot;lightbox&quot;:&quot;yes&quot;,&quot;lazy_load&quot;:&quot;yes&quot;}\" data-no-translation=\"\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-0984016{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<a class=\"elementor-element elementor-element-5d55e6e e-con-full elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"5d55e6e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-no-translation=\"\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjE4MjgxIiwidG9nZ2xlIjpmYWxzZX0%3D\">\n\t\t\t\t<div class=\"elementor-element elementor-element-edfb479 elementor-widget elementor-widget-image\" data-id=\"edfb479\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"432\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/1-thumb-DE-play-768x432.webp\" class=\"attachment-medium_large size-medium_large wp-image-18294\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/1-thumb-DE-play-768x432.webp 768w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/1-thumb-DE-play-300x169.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/1-thumb-DE-play-1024x576.webp 1024w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/1-thumb-DE-play-1536x864.png 1536w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/1-thumb-DE-play-18x10.png 18w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/1-thumb-DE-play.webp 1920w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<div class=\"elementor-element elementor-element-566ca46 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"566ca46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tCes deux alternatives \u2013&nbsp;mettre en location ou vendre&nbsp;\u2013 sont souvent \u00e9quivalentes. Comment un loyer peut-il \u00eatre \u00e9quivalent \u00e0 un prix de vente\u2009? Pour le comprendre, admettons que la maison puisse \u00eatre mise en location pour 2000\u00a0CHF par mois. Apr\u00e8s d\u00e9duction des frais qui sont \u00e0 la charge du bailleur, il reste peut-\u00eatre 20\u00a0000\u00a0CHF par an. De fa\u00e7on alternative, les propri\u00e9taires pourraient vendre la maison, disons pour 1.05\u00a0million\u00a0CHF. Apr\u00e8s d\u00e9duction des frais, taxes et imp\u00f4ts li\u00e9s \u00e0 la vente, ils pourraient placer 1\u202fmillion\u00a0CHF \u00e0 2\u00a0pour cent et toucher \u00e9galement un revenu de 20\u00a0000\u00a0CHF par an.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bb6a3d elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4bb6a3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tOn peut donc estimer le vrai co\u00fbt de rester dans la maison, c\u2019est-\u00e0-dire ce co\u00fbt d\u2019opportunit\u00e9, en se renseignant soit sur le loyer auquel les maisons de ce genre se louent dans la r\u00e9gion, soit sur le prix auquel elles se vendent. M\u00eame si ce co\u00fbt est important, surtout par rapport au revenu des propri\u00e9taires \u00e2g\u00e9s, cela ne signifie pas que ceux-ci doivent s\u2019empresser de c\u00e9der leur maison. Apr\u00e8s tout, ils devront bien trouver un autre logement. C\u00e9der leur maison n\u2019est donc financi\u00e8rement int\u00e9ressant pour les propri\u00e9taires que s\u2019ils d\u00e9m\u00e9nagent dans un logement mieux adapt\u00e9 \u00e0 leurs besoins. Mais ils peuvent aussi y \u00eatre contraints par des d\u00e9penses effectives devenues trop lourdes dans leur budget.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a1cf45 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"1a1cf45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tIl existe encore une autre solution, encore trop rarement mise en \u0153uvre\u2009: les propri\u00e9taires pourraient partager leur maison avec d\u2019autres habitants.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2eb6c6 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"d2eb6c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sc\u00e9narios de subdivision de la maison\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2c10b4 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b2c10b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La subdivision va cr\u00e9er un deuxi\u00e8me logement dans la maison, qui pourra \u00eatre mis en location ou vendu par les propri\u00e9taires. En termes de revenu annuel, les deux variantes ne se distinguent pas fondamentalement, on l\u2019a vu ci-dessus. Il y a d\u2019autres diff\u00e9rences, cependant: la mise en location permet la r\u00e9siliation ult\u00e9rieure du contrat de bail, ce qui est pratique si l\u2019on ne s\u2019entend pas avec les nouveaux voisins ou si l\u2019on veut pouvoir disposer un jour du second logement pour un membre de la famille. Elle implique cependant toujours un risque de non-location, voire de non-paiement du loyer. La vente a l\u2019avantage de permettre de financer les travaux de subdivision sans devoir souscrire un emprunt hypoth\u00e9caire. En revanche, il faut constituer et administrer une \u00abpropri\u00e9t\u00e9 par \u00e9tage\u00bb avec les nouveaux voisins.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3c00b2 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e3c00b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tDans certains cas, la cr\u00e9ation du deuxi\u00e8me logement peut profiter d\u2019une augmentation de la surface de plancher. C\u2019est le cas s\u2019il existe une r\u00e9serve \u00e0 b\u00e2tir, ce qui d\u00e9pend des r\u00e8gles qui s\u2019appliquent \u00e0 la parcelle. On trouve de tout en Suisse\u2009: des indices d\u2019utilisation du sol maximaux (soit un rapport maximal entre la surface de plancher et la superficie de la parcelle), des indices d\u2019occupation du sol maximaux (soit un rapport maximal entre l\u2019empreinte du b\u00e2timent sur la parcelle et la superficie de celle-ci), des hauteurs maximales, des distances minimales aux limites de la parcelle, souvent m\u00eame des combinaisons de ces contraintes. Il est rare que les propri\u00e9taires construisent d\u2019embl\u00e9e la plus grande maison possible<sup>1<\/sup>, les contraintes financi\u00e8res et le d\u00e9sir de pr\u00e9server un grand jardin l\u2019emportant souvent sur les possibilit\u00e9s r\u00e9glementaires maximales. Il se peut que la commune augmente par la suite encore les droits \u00e0 b\u00e2tir pour encourager la densification. La possibilit\u00e9 d\u2019utiliser les r\u00e9serves disponibles pour agrandir la maison rend sa subdivision encore plus int\u00e9ressante.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30b5799 elementor-widget__width-initial elementor-widget-tablet__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"30b5799\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><sup>1 <\/sup>Kubli et al. (2008, p.\u00a010) ont<br \/>montr\u00e9 que, dans le canton de Zurich, il y a trois fois plus de r\u00e9serves \u00e0 b\u00e2tir sur les parcelles d\u00e9j\u00e0 construites (r\u00e9serves \u00abinternes\u00bb) que sur celles qui ne le sont pas encore.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4a8839 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a4a8839\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tNous allons maintenant examiner les co\u00fbts et revenus additionnels de la cr\u00e9ation d\u2019un deuxi\u00e8me logement, d\u2019abord sans utilisation de surface de plancher suppl\u00e9mentaire, puis avec.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4eca9f7 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"4eca9f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00c9valuation d\u2019une subdivision simple sans surfaces additionnelles<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e1afa9 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"0e1afa9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Les principaux \u00e9l\u00e9ments \u00e9conomiques \u00e0 prendre en compte sont:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d9b7dd elementor-widget__width-initial elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2d9b7dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Le co\u00fbt des travaux pour cr\u00e9er et am\u00e9nager le deuxi\u00e8me logement<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">La perte de surface habitable pour les propri\u00e9taires<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Le revenu de la location du deuxi\u00e8me logement<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3ae649 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"c3ae649\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Le co\u00fbt des travaux\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b418d4 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2b418d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">La subdivision de la maison requiert des travaux qui ont un co\u00fbt. Au pr\u00e9alable il faut faire appel \u00e0 un architecte pour imaginer la division de la maison en deux logements compl\u00e8tement \u00e9quip\u00e9s, avec leurs entr\u00e9es ind\u00e9pendantes. L\u2019architecte proc\u00e9dera \u00e0 un diagnostic spatial, mais aussi technique: \u00e9tat du b\u00e2timent, identification des murs porteurs, etc. Le fait de devoir de toute mani\u00e8re solliciter un architecte, puis des entrepreneurs, incite g\u00e9n\u00e9ralement les propri\u00e9taires \u00e0 r\u00e9nover l\u2019ensemble de la maison, assainissement \u00e9nerg\u00e9tique compris. Pour \u00e9valuer le sc\u00e9nario de la cr\u00e9ation d\u2019un deuxi\u00e8me logement, il ne faudrait compter que la partie des travaux qui s\u2019ajoutent dans ce but \u00e0 ceux de la r\u00e9novation, soit typiquement le renforcement de certaines cloisons, l\u2019am\u00e9nagement d\u2019un acc\u00e8s ext\u00e9rieur ind\u00e9pendant, l\u2019installation d\u2019une nouvelle cuisine et, \u00e9ventuellement, d\u2019une nouvelle salle d\u2019eau. Mais on verra que les revenus procur\u00e9s par le deuxi\u00e8me logement peuvent financer une partie des travaux de r\u00e9novation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-094554f bloc-teasing elementor-widget__width-initial elementor-widget elementor-widget-video\" data-id=\"094554f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;vimeo&quot;,&quot;show_image_overlay&quot;:&quot;yes&quot;,&quot;image_overlay&quot;:{&quot;url&quot;:&quot;http:\\\/\\\/www.metamorphouse.ch\\\/wp-content\\\/uploads\\\/3-thumb-FR.webp&quot;,&quot;id&quot;:17161,&quot;size&quot;:&quot;&quot;,&quot;alt&quot;:&quot;&quot;,&quot;source&quot;:&quot;library&quot;},&quot;lightbox&quot;:&quot;yes&quot;,&quot;lazy_load&quot;:&quot;yes&quot;}\" data-no-translation=\"\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-094554f{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<a class=\"elementor-element elementor-element-e5db5ab e-con-full elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"e5db5ab\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-no-translation=\"\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjE4MzMxIiwidG9nZ2xlIjpmYWxzZX0%3D\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c2f2ac3 elementor-widget elementor-widget-image\" data-id=\"c2f2ac3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"432\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/3-thumb-DE-play-768x432.webp\" class=\"attachment-medium_large size-medium_large wp-image-18296\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/3-thumb-DE-play-768x432.webp 768w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/3-thumb-DE-play-300x169.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/3-thumb-DE-play-1024x576.webp 1024w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/3-thumb-DE-play-1536x864.png 1536w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/3-thumb-DE-play-18x10.png 18w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/3-thumb-DE-play.webp 1920w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<div class=\"elementor-element elementor-element-58c6d85 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"58c6d85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Au co\u00fbt financier des travaux, il conviendrait d\u2019ajouter les d\u00e9sagr\u00e9ments qu\u2019ils occasionnent pour les propri\u00e9taires. Une fa\u00e7on simple de les chiffrer consiste \u00e0 imaginer que les habitants quittent la maison pendant la dur\u00e9e des travaux et paient un loyer ailleurs, que ce soit r\u00e9ellement le cas ou non. Mais l\u00e0 aussi, il ne faut compter ces frais que pour autant qu\u2019ils soient directement caus\u00e9s par la subdivision et non par la r\u00e9novation qu\u2019il fallait entreprendre de toute fa\u00e7on.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55b6d93 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"55b6d93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tUne fois que le total des co\u00fbts attribuables \u00e0 la subdivision de la maison a \u00e9t\u00e9 \u00e9valu\u00e9, il faut encore le convertir en montant annuel pour le rendre comparable aux revenus annuels additionnels obtenus du fait de la subdivision. L\u2019application du droit du bail nous fournit pour cela une formule destin\u00e9e d\u2019ordinaire \u00e0 calculer la r\u00e9percussion admissible des travaux \u00e0 plus-value sur les loyers. Cette formule fait la somme de deux montants\u200a<sup>2<\/sup>:\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1da963c elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"1da963c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<sup>2 <\/sup>Le droit pr\u00e9voit un troisi\u00e8me montant pour les charges d\u2019entretien additionnelles, estim\u00e9 \u00e0 10&nbsp;pour cent de la somme des deux autres. Cette estimation est tr\u00e8s grossi\u00e8re et peu ad\u00e9quate lorsque l\u2019\u00e9l\u00e9ment de plus-value ajout\u00e9 est un logement entier. Il est pr\u00e9f\u00e9rable d\u2019estimer directement ces charges et de les d\u00e9duire du revenu locatif.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3831b6 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b3831b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>1) Int\u00e9r\u00eat du capital investi<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5967553 e-con-full e-flex e-con e-child\" data-id=\"5967553\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7eaa401 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7eaa401\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Investissement x (Taux d&rsquo;int\u00e9r\u00eat de r\u00e9f\u00e9rence + \u00bd\u00a0%)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-499fbd8 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"499fbd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">2<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6d0d7e elementor-widget elementor-widget-text-editor\" data-id=\"a6d0d7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tComme l\u2019investissement est graduellement r\u00e9cup\u00e9r\u00e9 gr\u00e2ce aux revenus locatifs, les fonds propres bloqu\u00e9s d\u00e9croissent. La premi\u00e8re ann\u00e9e, la totalit\u00e9 de l\u2019investissement est bloqu\u00e9e mais au terme de la dur\u00e9e de vie, le montant bloqu\u00e9 est nul. En moyenne sur la dur\u00e9e de vie, c\u2019est la moiti\u00e9 de la somme investie qui est bloqu\u00e9e.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3155be2 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"3155be2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le taux d&rsquo;int\u00e9r\u00eat de r\u00e9f\u00e9rence peut \u00eatre consult\u00e9 sur le site Internet de l\u2019<a href=\"https:\/\/www.bwo.admin.ch\/bwo\/fr\/home\/mietrecht\/referenzzinssatz.html\" target=\"_blank\" rel=\"noopener\">Office f\u00e9d\u00e9ral du logement<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64c5920 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"64c5920\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>2) Amortissement de l&rsquo;investissement<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-60b95af e-con-full e-flex e-con e-child\" data-id=\"60b95af\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60d25a2 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"60d25a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Investissement<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7cd2daf elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7cd2daf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Dur\u00e9e de vie<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1732da1 elementor-widget elementor-widget-text-editor\" data-id=\"1732da1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\"><span class=\"s1\">I<\/span>l n\u2019y a pas vraiment de dur\u00e9e de vie conventionnelle pour un nouveau logement, mais on peut utiliser la valeur de 50 ans, sachant qu\u2019il faudra, apr\u00e8s ce laps de temps, des travaux importants pour le r\u00e9nover.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d3dc25 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"9d3dc25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tCe calcul indique le co\u00fbt annuel moyen, sur la dur\u00e9e de l\u2019amortissement. La premi\u00e8re ann\u00e9e, les propri\u00e9taires doivent \u00e9videmment supporter les int\u00e9r\u00eats sur la totalit\u00e9 de la somme investie et non seulement sur la moiti\u00e9 de cette somme. D\u2019un autre c\u00f4t\u00e9, il n\u2019est pas forc\u00e9ment utile d\u2019amortir cette somme, dans la mesure o\u00f9 un entretien correct du nouvel appartement \u00e9vite qu\u2019il ne se d\u00e9pr\u00e9cie. Le remboursement graduel \u00e9ventuel de l\u2019emprunt, si emprunt il y a eu, ne constitue de toute fa\u00e7on pas un co\u00fbt pour les propri\u00e9taires puisqu\u2019ils gagnent en diminution d\u2019endettement ce qu\u2019ils ont vers\u00e9 (il faudra toutefois qu\u2019ils disposent des liquidit\u00e9s n\u00e9cessaires pour rembourser l\u2019emprunt). On peut donc aussi utiliser le montant suivant pour calculer le co\u00fbt annuel de l\u2019investissement, plus proche de la compr\u00e9hension usuelle du co\u00fbt annuel d\u2019un investissement:\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea5d43a elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ea5d43a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Int\u00e9r\u00eats du capital investi<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c221032 e-con-full e-flex e-con e-child\" data-id=\"c221032\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12bb1c9 elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"12bb1c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Investissement x Taux d&rsquo;int\u00e9r\u00eat d&rsquo;un emprunt \u00e0 taux fixe de long terme<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3b2149 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"a3b2149\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00c9valuation d\u2019une subdivision simple sans surfaces additionnelles<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-886a947 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"886a947\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">La perte de surface habitable pour les propri\u00e9taires\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a00cd50 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a00cd50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Si le deuxi\u00e8me logement est cr\u00e9\u00e9 sans ajout de surface de plancher, il sera forc\u00e9ment pris sur le logement existant. De plus, les nouvelles s\u00e9parations et la seconde entr\u00e9e vont encore faire perdre un peu de surface de plancher. Les propri\u00e9taires perdront donc une surface habitable au moins aussi importante que celle qui est cr\u00e9\u00e9e pour le deuxi\u00e8me appartement. Comment prendre cela en compte dans les calculs?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eaa7772 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"eaa7772\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tUne fa\u00e7on radicale de le faire serait de postuler que la valeur locative perdue par les propri\u00e9taires correspond \u00e0 la valeur locative cr\u00e9\u00e9e pour les nouveaux locataires, les surfaces \u00e9tant pratiquement les m\u00eames. Dans un tel cas, la subdivision ne vaut gu\u00e8re la peine. Pourtant, on observe que chaque ann\u00e9e des dizaines de grands logements sont subdivis\u00e9s pour en faire de plus petits dans les immeubles collectifs. En g\u00e9n\u00e9ral, deux petits appartements se louent plus cher qu\u2019un grand de m\u00eame surface. C\u2019est n\u00e9cessaire, puisqu\u2019il faut bien rentabiliser les deux cuisines, les salles d\u2019eau suppl\u00e9mentaires, etc. C\u2019est aussi acceptable, puisque deux m\u00e9nages peuvent payer plus qu\u2019un seul.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f57e233 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f57e233\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les statistiques montrent que le loyer ou le prix d\u2019un logement n\u2019est pas proportionnel \u00e0 sa surface. Ainsi, Marco Salvi (2008, p.\u00a055) a soigneusement analys\u00e9 les prix pay\u00e9s pour un grand \u00e9chantillon de maisons individuelles dans le canton de Zurich, afin d\u2019identifier l\u2019incidence sur les prix d\u2019une s\u00e9rie de caract\u00e9ristiques propres aux maisons et \u00e0 leur situation. Il a montr\u00e9 que le prix augmente de 20\u00a0000\u00a0CHF, soit presque 5\u00a0pour cent, quand on ajoute 10\u00a0m\u00e8tres carr\u00e9s \u00e0 une maison qui n\u2019en compte que 120, mais qu\u2019il n\u2019augmente plus que de 15\u00a0000\u00a0CHF, soit 2\u00a0pour cent, quand elle compte d\u00e9j\u00e0 300\u00a0m\u00e8tres carr\u00e9s, les autres d\u00e9terminants du prix \u00e9tant les m\u00eames. Une analyse similaire des loyers dans la ville de Zurich en 2006 montre que le fait d\u2019ajouter 10\u00a0m\u00e8tres carr\u00e9s \u00e0 un appartement qui n\u2019en compte que 30 augmente le loyer de 200\u00a0CHF par mois, soit 16\u00a0pour cent, alors qu\u2019ajouter ces 10\u00a0m\u00e8tres carr\u00e9s \u00e0 un appartement qui en compte d\u00e9j\u00e0 140 ne justifie que 100\u00a0CHF ou 3.7\u00a0pour cent de loyer en plus, les autres qualit\u00e9s restant inchang\u00e9es (Glauser et al., 2009, p.\u00a016). Une autre analyse, bas\u00e9e sur les loyers de 12\u00a0000 appartements dans 327\u00a0communes en 2007, montre que 10\u00a0m\u00e8tres carr\u00e9s de plus pour un appartement de 30\u00a0m\u00e8tres carr\u00e9s augmentent le loyer de 125\u00a0CHF (19\u00a0%), alors qu\u2019ils n\u2019augmentent celui d\u2019un appartement comptant d\u00e9j\u00e0 140\u00a0m\u00e8tres carr\u00e9s que de 70\u00a0CHF (4\u00a0%) (Djurdjevic et Eugster, 2008). Tous ces chiffres illustrent simplement un ph\u00e9nom\u00e8ne de \u00absaturation\u00bb, \u00e0 savoir qu\u2019un m\u00e9nage est pr\u00eat \u00e0 payer cher un m\u00e8tre carr\u00e9 suppl\u00e9mentaire lorsqu\u2019il en a peu, moins quand il en a d\u00e9j\u00e0 beaucoup.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c36bf9c elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"c36bf9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\nDans le cas qui nous int\u00e9resse, la subdivision est d\u2019autant plus rentable que l\u2019abandon de surface habitable par les propri\u00e9taires n\u2019est pas un grand sacrifice. Leur maison familiale est probablement devenue trop grande pour leurs propres besoins. Plusieurs chambres sont rarement occup\u00e9es, peut-\u00eatre seulement quand ils accueillent des visites. On pourrait \u00e9valuer la perte de ces chambres par le co\u00fbt de l\u2019h\u00e9bergement h\u00f4telier de ces visites pendant les quelques nuits correspondantes, par exemple 100&nbsp;CHF fois le nombre de nuit\u00e9es.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-682dd22 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"682dd22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Le revenu de la location du deuxi\u00e8me logement<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5a808c elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b5a808c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLorsque le nouveau logement est mis en location, cela g\u00e9n\u00e8re un revenu qui va certainement plus que compenser la diminution de la valeur locative du logement existant. Mais c\u2019est bien la diff\u00e9rence entre ces deux montants \u2013 loyer du nouveau logement moins diminution de la valeur locative du logement existant \u2013 qui doit compenser le co\u00fbt des travaux de subdivision.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb44658 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"eb44658\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tPour estimer le loyer de l\u2019appartement \u00e0 cr\u00e9er, on peut s\u2019inspirer des loyers des nouveaux logements sur le march\u00e9. Attention cependant \u00e0 tenir compte du fait (favorable) qu\u2019il s\u2019agit d\u2019un appartement dans un b\u00e2timent qui n\u2019en compte que deux. En g\u00e9n\u00e9ral, le loyer diminue quelque peu, toutes choses \u00e9gales par ailleurs, lorsque l\u2019immeuble compte plus de logements. Autre \u00e9l\u00e9ment positif \u00e0 prendre en compte: cet appartement b\u00e9n\u00e9ficie de l\u2019acc\u00e8s \u00e0 un jardin semi-privatif. On pourrait m\u00eame envisager de diviser le jardin pour accro\u00eetre encore l\u2019attrait du second logement.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf18663 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"cf18663\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Autres \u00e9l\u00e9ments \u00e0 prendre en compte<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2751535 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2751535\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tSi les habitants du nouvel appartement d\u00e9chargent ceux du logement existant de l\u2019entretien du jardin et des petits travaux de r\u00e9paration dans la maison, cela repr\u00e9sente une \u00e9conomie qui peut assez facilement \u00eatre \u00e9valu\u00e9e \u00e0 l\u2019aide des factures des jardiniers et artisans. Les locataires peuvent aussi offrir d\u2019autres services aux propri\u00e9taires \u00e2g\u00e9s, comparables peut-\u00eatre \u00e0 ceux des services d\u2019aide et de soins \u00e0 domicile. Enfin, ils peuvent consid\u00e9rablement accro\u00eetre le sentiment de s\u00e9curit\u00e9 pour les propri\u00e9taires.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b50cac bloc-teasing elementor-widget__width-initial elementor-widget elementor-widget-video\" data-id=\"9b50cac\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;vimeo&quot;,&quot;show_image_overlay&quot;:&quot;yes&quot;,&quot;image_overlay&quot;:{&quot;url&quot;:&quot;http:\\\/\\\/www.metamorphouse.ch\\\/wp-content\\\/uploads\\\/2-thumb-FR.webp&quot;,&quot;id&quot;:17159,&quot;size&quot;:&quot;&quot;,&quot;alt&quot;:&quot;&quot;,&quot;source&quot;:&quot;library&quot;},&quot;lightbox&quot;:&quot;yes&quot;,&quot;lazy_load&quot;:&quot;yes&quot;}\" data-no-translation=\"\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-9b50cac{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<a class=\"elementor-element elementor-element-65ecefa e-con-full elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"65ecefa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-no-translation=\"\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjE4MzI5IiwidG9nZ2xlIjpmYWxzZX0%3D\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8275447 elementor-widget elementor-widget-image\" data-id=\"8275447\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"432\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/2-thumb-DE-play-768x432.webp\" class=\"attachment-medium_large size-medium_large wp-image-18295\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/2-thumb-DE-play-768x432.webp 768w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/2-thumb-DE-play-300x169.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/2-thumb-DE-play-1024x576.webp 1024w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/2-thumb-DE-play-1536x864.png 1536w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/2-thumb-DE-play-18x10.png 18w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/2-thumb-DE-play.webp 1920w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<div class=\"elementor-element elementor-element-92bdd26 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"92bdd26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00c9valuation d\u2019une subdivision avec surfaces additionnelles<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54d51a0 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"54d51a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLes principaux \u00e9l\u00e9ments \u00e9conomiques \u00e0 prendre en compte sont les m\u00eames que pour la subdivision simple, mais leur valeur sera diff\u00e9rente. La diff\u00e9rence essentielle, c\u2019est qu\u2019il y a beaucoup moins de perte de surface habitable pour les propri\u00e9taires et que le deuxi\u00e8me logement peut \u00eatre bien plus grand. En cr\u00e9ant ce second appartement, on r\u00e9alise une valeur latente, celle de la r\u00e9serve constructible, qui explique que, souvent, un immeuble (en fait le terrain) se vend bien plus cher que ne le justifie la seule maison existante.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-402c880 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"402c880\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Le co\u00fbt des travaux\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdc8d92 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"bdc8d92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tAux travaux d\u00e9crits dans la section pr\u00e9c\u00e9dente s\u2019ajoutent l\u2019am\u00e9nagement, voire la sur\u00e9l\u00e9vation des combles. Le suppl\u00e9ment de surface utile est parfois aussi gagn\u00e9 dans un sous-sol semi-enterr\u00e9, voire dans une partie de la maison agrandie \u00e0 cet effet. Dans tous les cas, il faut rendre habitable des espaces qui ne l\u2019\u00e9taient pas auparavant.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d503aec elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"d503aec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">La modification de la qualit\u00e9 du logement existant\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cbce33e elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"cbce33e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Si le nouveau logement est cr\u00e9\u00e9 par ajout de surfaces utiles, il n\u2019y a pratiquement pas de perte de surface pour le logement existant. On doit n\u00e9anmoins admettre une d\u00e9pr\u00e9ciation lorsque celui-ci perd son statut de logement unique dans l\u2019immeuble. Salvi (2008) a par exemple estim\u00e9, avec son mod\u00e8le statistique du prix des maisons individuelles dans le canton de Zurich, qu\u2019une maison d\u00e9tach\u00e9e se vend 2.7\u00a0pour cent plus cher qu\u2019une maison mitoyenne.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e7c5b3 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"1e7c5b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Le revenu de la location du deuxi\u00e8me logement et autres \u00e9l\u00e9ments \u00e0 prendre en compte\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e87a9c elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"9e87a9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tOn peut cette fois mettre en location un logement bien plus grand. Cela ne change pas seulement le revenu locatif mais aussi le type de m\u00e9nage qu\u2019on peut accueillir. Il pourrait par exemple s\u2019agir d\u2019une famille avec enfants, ce qui peut avoir des avantages ou des inconv\u00e9nients en termes d\u2019animation ou de tranquillit\u00e9.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fd0ddd elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"6fd0ddd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Qualit\u00e9 du locataire ou de l\u2019acheteur\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a316fff elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a316fff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tNous avons suppos\u00e9 jusqu\u2019ici que le locataire ou l\u2019acheteur du nouveau logement paierait le loyer ou le prix du march\u00e9. Ce n\u2019est pas forc\u00e9ment le cas s\u2019il s\u2019agit d\u2019un parent des propri\u00e9taires de la maison. Dans ce cas, plusieurs facteurs s\u2019opposent pour \u00e9carter le loyer ou le prix de sa valeur de march\u00e9:\n<ol>\n \t<li>Les propri\u00e9taires peuvent h\u00e9siter \u00e0 exiger le loyer ou prix du march\u00e9 de leur parent;<\/li>\n \t<li>Le parent n\u2019est pas forc\u00e9ment le locataire ou l\u2019acheteur qui peut ou veut payer le plus pour ce logement;<\/li>\n \t<li>\u00c0 l\u2019inverse, un parent pourrait accepter de payer une prime pour la valeur sentimentale de la maison familiale ou la proximit\u00e9 de sa famille.<\/li>\n<\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c614f5f bloc-teasing elementor-widget__width-initial elementor-widget elementor-widget-video\" data-id=\"c614f5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;vimeo&quot;,&quot;show_image_overlay&quot;:&quot;yes&quot;,&quot;image_overlay&quot;:{&quot;url&quot;:&quot;http:\\\/\\\/www.metamorphouse.ch\\\/wp-content\\\/uploads\\\/5-thumb-FR.webp&quot;,&quot;id&quot;:17165,&quot;size&quot;:&quot;&quot;,&quot;alt&quot;:&quot;&quot;,&quot;source&quot;:&quot;library&quot;},&quot;lightbox&quot;:&quot;yes&quot;,&quot;lazy_load&quot;:&quot;yes&quot;}\" data-no-translation=\"\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-c614f5f{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<a class=\"elementor-element elementor-element-e453355 e-con-full elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"e453355\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-no-translation=\"\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjE4MzMzIiwidG9nZ2xlIjpmYWxzZX0%3D\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aca37fd elementor-widget elementor-widget-image\" data-id=\"aca37fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"432\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/5-thumb-DE-play-768x432.webp\" class=\"attachment-medium_large size-medium_large wp-image-18298\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/5-thumb-DE-play-768x432.webp 768w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/5-thumb-DE-play-300x169.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/5-thumb-DE-play-1024x576.webp 1024w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/5-thumb-DE-play-1536x864.png 1536w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/5-thumb-DE-play-18x10.png 18w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/5-thumb-DE-play.webp 1920w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c900a4 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8c900a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tDans tous les cas, nous recommandons d\u2019utiliser le loyer ou le prix du march\u00e9 pour les calculs. En effet, cela permet \u00e9galement de prendre en compte une valeur sentimentale \u00e9ventuelle qui justifierait que le loyer ou le prix effectivement pay\u00e9 s\u2019\u00e9carte des donn\u00e9es du march\u00e9. Supposons par exemple que le deuxi\u00e8me logement puisse en principe \u00eatre lou\u00e9 pour 2000&nbsp;CHF par mois mais que les propri\u00e9taires le c\u00e8dent \u00e0 un parent pour 1500&nbsp;CHF. Les 500&nbsp;CHF de diff\u00e9rence repr\u00e9sentent un cadeau que les propri\u00e9taires font volontiers \u00e0 leur parent. Ce cadeau a une valeur \u00e9conomique et peut donc \u00eatre ajout\u00e9 au loyer effectif de 1500&nbsp;CHF pour d\u00e9cider si la subdivision est rentable ou non. Si \u00e0 l\u2019inverse le parent paie 2500&nbsp;CHF pour aider les propri\u00e9taires, le suppl\u00e9ment de 500&nbsp;CHF repr\u00e9sente une aide indirecte qui ne devrait pas \u00eatre prise en compte dans les calculs de rentabilit\u00e9 de la subdivision.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-100c540 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"100c540\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cons\u00e9quences fiscales<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8336dcb elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8336dcb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLa maison implique des obligations fiscales pour ses propri\u00e9taires. Elle est tax\u00e9e, g\u00e9n\u00e9ralement de fa\u00e7on tr\u00e8s conservatrice, et ajout\u00e9e \u00e0 leur fortune imposable par la commune et le canton. Dans la moiti\u00e9 environ des cantons, un imp\u00f4t foncier est pr\u00e9lev\u00e9, soit par la commune, soit par le canton, soit par les deux. Il est g\u00e9n\u00e9ralement compris entre 0.5 et 2&nbsp;pour mille. Une ponction potentiellement plus lourde est constitu\u00e9e par le fait qu\u2019une valeur locative est imput\u00e9e au logement occup\u00e9 par ses propri\u00e9taires et ajout\u00e9e \u00e0 leur revenu imposable. Les valeurs locatives sont \u00e9galement estim\u00e9es de fa\u00e7on tr\u00e8s conservatrice, typiquement dans une fourchette de 60 \u00e0 70&nbsp;pour cent du loyer d\u2019un logement locatif comparable. Les propri\u00e9taires peuvent, en contrepartie, d\u00e9duire les int\u00e9r\u00eats de leur dette hypoth\u00e9caire ainsi que les frais d\u2019entretien. Le gain immobilier r\u00e9alis\u00e9 lors de la vente de la maison, si elle s\u2019est appr\u00e9ci\u00e9e depuis son achat pour un montant sup\u00e9rieur \u00e0 celui des travaux \u00e0 plus-value, est g\u00e9n\u00e9ralement soumis \u00e0 un imp\u00f4t sp\u00e9cial, d\u00e9gressif selon la dur\u00e9e de possession. Dans certains cantons, la vente elle-m\u00eame est soumise \u00e0 des droits de mutation.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-faea3b2 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"faea3b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tIl est recommand\u00e9 de consulter une fiduciaire \u00e0 propos des cons\u00e9quences fiscales d\u2019une subdivision de maison. Nous nous limiterons ici \u00e0 quelques indications. Le revenu locatif du deuxi\u00e8me logement doit \u00eatre ajout\u00e9 au revenu imposable, d\u00e9duction faite des frais financiers et d\u2019entretien suppl\u00e9mentaires. En revanche, les propri\u00e9taires devraient obtenir une r\u00e9duction de la valeur locative de leur propre logement, puisqu\u2019il a \u00e9t\u00e9 amput\u00e9 pour la cr\u00e9ation du second appartement. Ceci ne compense pas cela, d\u2019autant moins qu\u2019une valeur locative estim\u00e9e de fa\u00e7on conservatrice est remplac\u00e9e par un revenu locatif r\u00e9el. La cr\u00e9ation du \ndeuxi\u00e8me logement devrait aussi conduire \u00e0 une r\u00e9\u00e9valuation de l\u2019immeuble, surtout si elle se fait dans le cadre d\u2019une r\u00e9novation majeure. L\u2019imp\u00f4t sur la fortune et l\u2019imp\u00f4t foncier vont donc \u00e9galement augmenter. Notons cependant que les propri\u00e9taires ont dor\u00e9navant un revenu locatif effectif qui leur permet de payer tous ces imp\u00f4ts.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b234bd6 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"b234bd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Exemple de calcul\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d75353 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5d75353\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La subdivision d\u2019une maison peut \u00eatre rentable, m\u00eame sans augmentation de la surface de plancher. La condition pour cela est que l\u2019espace qui va \u00eatre converti en deuxi\u00e8me logement ait une valeur significativement plus \u00e9lev\u00e9e pour un locataire potentiel que pour les propri\u00e9taires de la maison. C\u2019est ce que montre notre exemple (voir tableau), qui illustre les calculs \u00e0 effectuer pour \u00e9valuer la rentabilit\u00e9 d\u2019une subdivision sans augmentation de la surface, le nouvel appartement \u00e9tant mis en location. Le lecteur pourra facilement l\u2019adapter pour tenir compte d\u2019un \u00e9ventuel agrandissement de la maison. Il lui appartient \u00e9galement d\u2019appr\u00e9cier, selon ses pr\u00e9f\u00e9rences, les avantages et inconv\u00e9nients non financiers du partage de la maison avec des locataires et de les comparer au r\u00e9sultat financier calcul\u00e9 dans le <a href=\"#tableau\">tableau ci-dessous<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-642009b elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"642009b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le co\u00fbt principal pour les propri\u00e9taires, c\u2019est la perte de surface habitable, estim\u00e9e \u00e0 8000&nbsp;CHF par an, d\u00e9duction faite des charges \u00e9conomis\u00e9es. Le nouveau logement peut \u00eatre lou\u00e9 par hypoth\u00e8se pour un loyer de 200&nbsp;CHF par an et par m\u00e8tre carr\u00e9, soit le double du co\u00fbt des m\u00e8tres carr\u00e9s \u00abperdus\u00bb. Ainsi, m\u00eame en comptant que 10&nbsp;pour cent de la surface transform\u00e9e soient perdus du fait de la transformation, le nouvel appartement peut \u00eatre lou\u00e9 pour 18&nbsp;000&nbsp;CHF par an. En d\u00e9duisant les charges diverses<sup>3<\/sup>, il rapporte r\u00e9ellement 15&nbsp;300&nbsp;CHF par an.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aabb5e5 elementor-widget__width-initial elementor-widget-tablet__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"aabb5e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<sup>3<\/sup> Les charges comprennent ici principalement les frais d\u2019entretien et d\u2019assurance, auxquels s\u2019ajoutent des frais de g\u00e9rance pour le logement mis en location et un suppl\u00e9ment de frais d\u2019entretien.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e76c33 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4e76c33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le montant des travaux que l\u2019on peut strictement attribuer \u00e0 la subdivision est estim\u00e9 \u00e0 60\u00a0000\u00a0CHF. Les frais annuels qui en d\u00e9coulent sont calcul\u00e9s sur cette base selon les deux m\u00e9thodes pr\u00e9sent\u00e9es plus haut. Sous <b>A<\/b> c\u2019est la m\u00e9thode du droit du bail. Il y a d\u2019abord le co\u00fbt des fonds propres bloqu\u00e9s dans cet investissement, soit 2.5\u00a0pour cent (taux d\u2019int\u00e9r\u00eat de r\u00e9f\u00e9rence +\u202f\u00bd\u00a0%) fois la moiti\u00e9 de la somme, qui est suppos\u00e9e \u00eatre graduellement r\u00e9cup\u00e9r\u00e9e sur la dur\u00e9e de vie de l\u2019investissement. Il y a ensuite l\u2019amortissement, soit le montant investi divis\u00e9 par la dur\u00e9e de vie. Au total, l\u2019investissement pour la subdivision co\u00fbte 1950\u00a0CHF par an aux propri\u00e9taires. Sous <b>B<\/b> c\u2019est la m\u00e9thode du co\u00fbt effectif de la premi\u00e8re ann\u00e9e, soit les int\u00e9r\u00eats sur l\u2019ensemble des fonds investis<sup>4<\/sup>. Dans ce cas, le co\u00fbt annuel de l\u2019investissement pour la subdivision est de 1800\u00a0CHF par an.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-862b36b elementor-widget__width-initial elementor-widget-tablet__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"862b36b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<sup>4<\/sup> On a utilis\u00e9 le taux d\u2019int\u00e9r\u00eat d\u2019un emprunt \u00e0 taux fixe pour une longue dur\u00e9e. Si les travaux sont financ\u00e9s \u00e0 des conditions plus avantageuses, il est prudent de majorer quelque peu le taux pay\u00e9, en pr\u00e9vision d\u2019une hausse probable des taux d\u2019int\u00e9r\u00eat.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f46e9d elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4f46e9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tEn partant du revenu locatif net du nouveau logement et en en d\u00e9duisant la valeur locative nette perdue par le logement existant ainsi que le co\u00fbt annuel de l\u2019investissement, on obtient un b\u00e9n\u00e9fice de 5350&nbsp;CHF par an selon le mode de calcul du droit du bail et de 5500&nbsp;CHF par an selon le mode de calcul du co\u00fbt effectif de la premi\u00e8re ann\u00e9e.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7aba45f elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"7aba45f\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"tableau\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Exemple de calcul d\u2019une subdivision<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-efd4e26 e-con-full e-flex e-con e-child\" data-id=\"efd4e26\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bd7b03d elementor-hidden-desktop elementor-hidden-tablet_extra elementor-widget elementor-widget-image\" data-id=\"bd7b03d\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1350\" height=\"1836\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/rechnenbeispiel-hausteilung.webp\" class=\"attachment-full size-full wp-image-17031\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/rechnenbeispiel-hausteilung.webp 1350w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/rechnenbeispiel-hausteilung-221x300.webp 221w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/rechnenbeispiel-hausteilung-753x1024.webp 753w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/rechnenbeispiel-hausteilung-768x1044.webp 768w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/rechnenbeispiel-hausteilung-1129x1536.jpg 1129w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/rechnenbeispiel-hausteilung-9x12.jpg 9w\" sizes=\"(max-width: 1350px) 100vw, 1350px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5302fa0 elementor-hidden-desktop elementor-hidden-tablet_extra elementor-widget elementor-widget-image\" data-id=\"5302fa0\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-5302fa0{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d84e88 e-con-full elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"7d84e88\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7793239 elementor-widget elementor-widget-template\" data-id=\"7793239\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"16898\" class=\"elementor elementor-16898\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f9c007d e-con-full e-flex e-con e-child\" data-id=\"f9c007d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-183ac2b e-con-full e-flex e-con e-child\" data-id=\"183ac2b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d6e0e26 elementor-widget elementor-widget-heading\" data-id=\"d6e0e26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Modification des surfaces<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6d36f54 e-con-full e-flex e-con e-child\" data-id=\"6d36f54\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-29dc072 e-con-full e-flex e-con e-child\" data-id=\"29dc072\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa8a8f elementor-widget elementor-widget-heading\" data-id=\"3aa8a8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Surfaces initiale<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a9455d7 e-con-full e-flex e-con e-child\" data-id=\"a9455d7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1fbe811 elementor-widget elementor-widget-heading\" data-id=\"1fbe811\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">200<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-db5394d e-con-full e-flex e-con e-child\" data-id=\"db5394d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b000b7 elementor-widget elementor-widget-heading\" data-id=\"7b000b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">m<sup>2<\/sup><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3327452 e-con-full e-flex e-con e-child\" data-id=\"3327452\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d40e653 e-con-full e-flex e-con e-child\" data-id=\"d40e653\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ca1f51 elementor-widget elementor-widget-heading\" data-id=\"6ca1f51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Surface du 1<sup>er<\/sup> logement apr\u00e8s subdivision<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-42b503f e-con-full e-flex e-con e-child\" data-id=\"42b503f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d5a96c elementor-widget elementor-widget-heading\" data-id=\"4d5a96c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">120<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9a244d2 e-con-full e-flex e-con e-child\" data-id=\"9a244d2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c5878c2 elementor-widget elementor-widget-heading\" data-id=\"c5878c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">m<sup>2<\/sup><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e2ab877 e-con-full e-flex e-con e-child\" data-id=\"e2ab877\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e24c818 e-con-full e-flex e-con e-child\" data-id=\"e24c818\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a2b089 elementor-widget elementor-widget-heading\" data-id=\"4a2b089\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Surface du 2<sup>e<\/sup> logement<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d360e4f e-con-full e-flex e-con e-child\" data-id=\"d360e4f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0f94f72 elementor-widget elementor-widget-heading\" data-id=\"0f94f72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">90<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-39f5e5c e-con-full e-flex e-con e-child\" data-id=\"39f5e5c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75460c8 elementor-widget elementor-widget-heading\" data-id=\"75460c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">m<sup>2<\/sup><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c2b91fc e-con-full e-flex e-con e-child\" data-id=\"c2b91fc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76ebce2 elementor-widget elementor-widget-heading\" data-id=\"76ebce2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Location du nouveau logement<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e4cbbaa e-con-full e-flex e-con e-child\" data-id=\"e4cbbaa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-52dd258 e-con-full e-flex e-con e-child\" data-id=\"52dd258\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb90c61 elementor-widget elementor-widget-heading\" data-id=\"bb90c61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Loyer par m<sup>2<\/sup><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-596e516 e-con-full e-flex e-con e-child\" data-id=\"596e516\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9aee2cf elementor-widget elementor-widget-heading\" data-id=\"9aee2cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">200<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a5f088c e-con-full e-flex e-con e-child\" data-id=\"a5f088c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0eb2526 elementor-widget elementor-widget-heading\" data-id=\"0eb2526\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">CHF\/an<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0066fb5 e-con-full e-flex e-con e-child\" data-id=\"0066fb5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-aebb7b4 e-con-full e-flex e-con e-child\" data-id=\"aebb7b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b320d8 elementor-widget elementor-widget-heading\" data-id=\"6b320d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Loyer<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5c839f3 e-con-full e-flex e-con e-child\" data-id=\"5c839f3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45f776e elementor-widget elementor-widget-heading\" data-id=\"45f776e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">18 000<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-21fee07 e-con-full e-flex e-con e-child\" data-id=\"21fee07\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4612a44 elementor-widget elementor-widget-heading\" data-id=\"4612a44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">CHF\/an<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7188122 e-con-full e-flex e-con e-child\" data-id=\"7188122\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-615aa4a e-con-full e-flex e-con e-child\" data-id=\"615aa4a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f04fa9 elementor-widget elementor-widget-heading\" data-id=\"5f04fa9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Charges d\u2019exploitation et d\u2019entretien locatif<span style=\"letter-spacing: 0.8px\"> par m<\/span><span style=\"font-size: 18px;line-height: 0;position: relative;vertical-align: baseline;top: -0.5em;letter-spacing: 0.8px\">2<\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f6b5d19 e-con-full e-flex e-con e-child\" data-id=\"f6b5d19\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52466bf elementor-widget elementor-widget-heading\" data-id=\"52466bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">30<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-367f232 e-con-full e-flex e-con e-child\" data-id=\"367f232\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d441b16 elementor-widget elementor-widget-heading\" data-id=\"d441b16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">CHF\/an<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b4caba3 e-con-full e-flex e-con e-child\" data-id=\"b4caba3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-baef162 e-con-full e-flex e-con e-child\" data-id=\"baef162\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-816a7f1 elementor-widget elementor-widget-heading\" data-id=\"816a7f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Charges d\u2019exploitation et d\u2019entretien<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b4b362 e-con-full e-flex e-con e-child\" data-id=\"2b4b362\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-102be57 elementor-widget elementor-widget-heading\" data-id=\"102be57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">2700<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f410b19 e-con-full e-flex e-con e-child\" data-id=\"f410b19\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c38b844 elementor-widget elementor-widget-heading\" data-id=\"c38b844\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">CHF\/an<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-069d086 e-con-full e-flex e-con e-child\" data-id=\"069d086\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-82b6228 e-con-full e-flex e-con e-child\" data-id=\"82b6228\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f97130f elementor-widget elementor-widget-heading\" data-id=\"f97130f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Revenu locatif net des charges<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a2ab37b e-con-full e-flex e-con e-child\" data-id=\"a2ab37b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c07c6f3 elementor-widget elementor-widget-heading\" data-id=\"c07c6f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">15&nbsp;300<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-69694e1 e-con-full e-flex e-con e-child\" data-id=\"69694e1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b3ed123 elementor-widget elementor-widget-heading\" data-id=\"b3ed123\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><span style=\"letter-spacing: 0.8px\">CHF\/an<\/span><span style=\"letter-spacing: 0.8px\"><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-51f86c0 e-con-full e-flex e-con e-child\" data-id=\"51f86c0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54f38f4 elementor-widget elementor-widget-heading\" data-id=\"54f38f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Perte de surface du logement existant<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d3ef39a e-con-full e-flex e-con e-child\" data-id=\"d3ef39a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-15f72f2 e-con-full e-flex e-con e-child\" data-id=\"15f72f2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9d5323 elementor-widget elementor-widget-heading\" data-id=\"d9d5323\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Perte de surface<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-36d88ff e-con-full e-flex e-con e-child\" data-id=\"36d88ff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ac59f88 elementor-widget elementor-widget-heading\" data-id=\"ac59f88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">100<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-03ed053 e-con-full e-flex e-con e-child\" data-id=\"03ed053\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e6f6dc9 elementor-widget elementor-widget-heading\" data-id=\"e6f6dc9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">m<sup>2<\/sup><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb967c5 e-con-full e-flex e-con e-child\" data-id=\"cb967c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b0a44b3 e-con-full e-flex e-con e-child\" data-id=\"b0a44b3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c953dd6 elementor-widget elementor-widget-heading\" data-id=\"c953dd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Valeur locative par m<sup>2<\/sup> perdu<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5d499e4 e-con-full e-flex e-con e-child\" data-id=\"5d499e4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a23b146 elementor-widget elementor-widget-heading\" data-id=\"a23b146\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">100<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3894138 e-con-full e-flex e-con e-child\" data-id=\"3894138\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0ef7dd2 elementor-widget elementor-widget-heading\" data-id=\"0ef7dd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">CHF\/an<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5fda7ad e-con-full e-flex e-con e-child\" data-id=\"5fda7ad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-757a664 e-con-full e-flex e-con e-child\" data-id=\"757a664\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4fb476c elementor-widget elementor-widget-heading\" data-id=\"4fb476c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Valeur locative perdue<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-77bae89 e-con-full e-flex e-con e-child\" data-id=\"77bae89\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e15797b elementor-widget elementor-widget-heading\" data-id=\"e15797b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">10&nbsp;000<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-46262fa e-con-full e-flex e-con e-child\" data-id=\"46262fa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d4a28ee elementor-widget elementor-widget-heading\" data-id=\"d4a28ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><span style=\"letter-spacing: 0.8px\">CHF\/an<\/span><span style=\"letter-spacing: 0.8px\"><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-04be0b2 e-con-full e-flex e-con e-child\" data-id=\"04be0b2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-31a09bc e-con-full e-flex e-con e-child\" data-id=\"31a09bc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b64bd70 elementor-widget elementor-widget-heading\" data-id=\"b64bd70\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Charges d\u2019exploitation et d\u2019entretien de la propri\u00e9t\u00e9<span style=\"letter-spacing: 0.8px\"> par m<\/span><span style=\"font-size: 18px;line-height: 0;position: relative;vertical-align: baseline;top: -0.5em;letter-spacing: 0.8px\">2<\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-773b99e e-con-full e-flex e-con e-child\" data-id=\"773b99e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ef3f465 elementor-widget elementor-widget-heading\" data-id=\"ef3f465\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">20<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d9b9248 e-con-full e-flex e-con e-child\" data-id=\"d9b9248\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71c9288 elementor-widget elementor-widget-heading\" data-id=\"71c9288\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">CHF\/an<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-12c3917 e-con-full e-flex e-con e-child\" data-id=\"12c3917\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-349dfca e-con-full e-flex e-con e-child\" data-id=\"349dfca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e5482f elementor-widget elementor-widget-heading\" data-id=\"5e5482f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Diminution des charges<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3c0ad8a e-con-full e-flex e-con e-child\" data-id=\"3c0ad8a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-260a008 elementor-widget elementor-widget-heading\" data-id=\"260a008\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">2000<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2655a67 e-con-full e-flex e-con e-child\" data-id=\"2655a67\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-94c17f2 elementor-widget elementor-widget-heading\" data-id=\"94c17f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">CHF\/an<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d61c0ac e-con-full e-flex e-con e-child\" data-id=\"d61c0ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-57b4682 e-con-full e-flex e-con e-child\" data-id=\"57b4682\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66e491c elementor-widget elementor-widget-heading\" data-id=\"66e491c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Valeur locative nette perdue<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8990e97 e-con-full e-flex e-con e-child\" data-id=\"8990e97\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e0d8e01 elementor-widget elementor-widget-heading\" data-id=\"e0d8e01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">8000<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-41f43a5 e-con-full e-flex e-con e-child\" data-id=\"41f43a5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ed5971 elementor-widget elementor-widget-heading\" data-id=\"2ed5971\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><span style=\"letter-spacing: 0.8px\">CHF\/an<\/span><span style=\"letter-spacing: 0.8px\"><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c0183d9 e-con-full e-flex e-con e-child\" data-id=\"c0183d9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea2071a elementor-widget elementor-widget-heading\" data-id=\"ea2071a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Travaux<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57bbcc1 e-con-full e-flex e-con e-child\" data-id=\"57bbcc1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-486c80d e-con-full e-flex e-con e-child\" data-id=\"486c80d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb4cafc elementor-widget elementor-widget-heading\" data-id=\"fb4cafc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">R\u00e9novation<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-159fa14 e-con-full e-flex e-con e-child\" data-id=\"159fa14\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-998bcce elementor-widget elementor-widget-heading\" data-id=\"998bcce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">160&nbsp;000<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0c34530 e-con-full e-flex e-con e-child\" data-id=\"0c34530\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ba9f9e5 elementor-widget elementor-widget-heading\" data-id=\"ba9f9e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">CHF<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1dbc5f5 e-con-full e-flex e-con e-child\" data-id=\"1dbc5f5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-cb84bcd e-con-full e-flex e-con e-child\" data-id=\"cb84bcd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e9ba107 elementor-widget elementor-widget-heading\" data-id=\"e9ba107\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Subdivision<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c7b529c e-con-full e-flex e-con e-child\" data-id=\"c7b529c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f5dee7b elementor-widget elementor-widget-heading\" data-id=\"f5dee7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">60&nbsp;000<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c8c14bf e-con-full e-flex e-con e-child\" data-id=\"c8c14bf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c46ef1f elementor-widget elementor-widget-heading\" data-id=\"c46ef1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">CHF<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb3ea58 e-con-full e-flex e-con e-child\" data-id=\"cb3ea58\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-313a647 e-con-full e-flex e-con e-child\" data-id=\"313a647\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-453ca17 elementor-widget elementor-widget-heading\" data-id=\"453ca17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Total des travaux<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f507050 e-con-full e-flex e-con e-child\" data-id=\"f507050\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9f792c5 elementor-widget elementor-widget-heading\" data-id=\"9f792c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">220 000\u200b<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0f1582c e-con-full e-flex e-con e-child\" data-id=\"0f1582c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-96c2300 elementor-widget elementor-widget-heading\" data-id=\"96c2300\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><span style=\"letter-spacing: 0.8px\">CHF<\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-50bb32e e-con-full e-flex e-con e-child\" data-id=\"50bb32e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-46ef8f4 e-con-full e-flex e-con e-child\" data-id=\"46ef8f4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-fecbfdd e-con-full e-flex e-con e-child\" data-id=\"fecbfdd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-430449f elementor-widget elementor-widget-heading\" data-id=\"430449f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Co\u00fbts annuels<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-41eefbf e-con-full e-flex e-con e-child\" data-id=\"41eefbf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f8080b elementor-widget elementor-widget-heading\" data-id=\"5f8080b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">A<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1191de1 e-con-full e-flex e-con e-child\" data-id=\"1191de1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9346b1b elementor-widget elementor-widget-heading\" data-id=\"9346b1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">M\u00e9thode du <br>droit du bail<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-99c2e03 e-con-full e-flex e-con e-child\" data-id=\"99c2e03\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-01e1741 elementor-widget elementor-widget-heading\" data-id=\"01e1741\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">B<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fe5214c e-con-full e-flex e-con e-child\" data-id=\"fe5214c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aafd7ea elementor-widget elementor-widget-heading\" data-id=\"aafd7ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">M\u00e9thode du co\u00fbt effectif la 1<sup>re<\/sup> ann\u00e9e<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a2b847 e-con-full e-flex e-con e-child\" data-id=\"6a2b847\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e613a64 e-con-full e-flex e-con e-child\" data-id=\"e613a64\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0200ad1 elementor-widget elementor-widget-heading\" data-id=\"0200ad1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Taux d'int\u00e9r\u00eat de r\u00e9f\u00e9rence<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70144f2 e-con-full e-flex e-con e-child\" data-id=\"70144f2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-efb6e53 elementor-widget elementor-widget-heading\" data-id=\"efb6e53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">2<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3e9b8f4 e-con-full e-flex e-con e-child\" data-id=\"3e9b8f4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-065f9fa elementor-widget elementor-widget-heading\" data-id=\"065f9fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">%<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9fc96b4 e-con-full e-flex e-con e-child\" data-id=\"9fc96b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f42b951 e-con-full e-flex e-con e-child\" data-id=\"f42b951\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0899583 elementor-widget elementor-widget-heading\" data-id=\"0899583\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"> <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3921838 e-con-full e-flex e-con e-child\" data-id=\"3921838\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-31a0700 e-con-full e-flex e-con e-child\" data-id=\"31a0700\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d2104bb elementor-widget elementor-widget-heading\" data-id=\"d2104bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Co\u00fbts des fonds investis<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cdbf1a5 e-con-full e-flex e-con e-child\" data-id=\"cdbf1a5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38b6124 elementor-widget elementor-widget-heading\" data-id=\"38b6124\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">2.5<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a9990ab e-con-full e-flex e-con e-child\" data-id=\"a9990ab\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-757957c elementor-widget elementor-widget-heading\" data-id=\"757957c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">%<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-669fe17 e-con-full e-flex e-con e-child\" data-id=\"669fe17\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8fa1c33 elementor-widget elementor-widget-heading\" data-id=\"8fa1c33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">3.0<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b7adfcb e-con-full e-flex e-con e-child\" data-id=\"b7adfcb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ff4f618 elementor-widget elementor-widget-heading\" data-id=\"ff4f618\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">%<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7deb226 e-con-full e-flex e-con e-child\" data-id=\"7deb226\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-56c3d5a e-con-full e-flex e-con e-child\" data-id=\"56c3d5a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-388d042 elementor-widget elementor-widget-heading\" data-id=\"388d042\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Dur\u00e9e d\u2019amortissement<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1765def e-con-full e-flex e-con e-child\" data-id=\"1765def\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-debde1e elementor-widget elementor-widget-heading\" data-id=\"debde1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">50<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-14de01b e-con-full e-flex e-con e-child\" data-id=\"14de01b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b62ce8f elementor-widget elementor-widget-heading\" data-id=\"b62ce8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">ans<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c2d977 e-con-full e-flex e-con e-child\" data-id=\"1c2d977\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8b516f7 e-con-full e-flex e-con e-child\" data-id=\"8b516f7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-926cd97 e-con-full e-flex e-con e-child\" data-id=\"926cd97\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-b009426 e-con-full e-flex e-con e-child\" data-id=\"b009426\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-824c014 elementor-widget elementor-widget-heading\" data-id=\"824c014\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Co\u00fbt annuel de la r\u00e9novation<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a4204b2 e-con-full e-flex e-con e-child\" data-id=\"a4204b2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-acaee8e e-con-full e-flex e-con e-child\" data-id=\"acaee8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fedaa27 e-con-full e-flex e-con e-child\" data-id=\"fedaa27\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-aa8d647 e-con-full e-flex e-con e-child\" data-id=\"aa8d647\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7132e64 elementor-widget elementor-widget-heading\" data-id=\"7132e64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Int\u00e9r\u00eat du capital investi<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4bf1252 e-con-full e-flex e-con e-child\" data-id=\"4bf1252\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-05477c7 elementor-widget elementor-widget-heading\" data-id=\"05477c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">2000<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6d87384 e-con-full e-flex e-con e-child\" data-id=\"6d87384\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-991123e elementor-widget elementor-widget-heading\" data-id=\"991123e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><span style=\"letter-spacing: 0.8px\">CHF\/an<\/span><span style=\"letter-spacing: 0.8px\"><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c962e27 e-con-full e-flex e-con e-child\" data-id=\"c962e27\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cba2013 elementor-widget elementor-widget-heading\" data-id=\"cba2013\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">4800<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f348e9 e-con-full e-flex e-con e-child\" data-id=\"4f348e9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1bfde53 elementor-widget elementor-widget-heading\" data-id=\"1bfde53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><span style=\"letter-spacing: 0.8px\">CHF\/an<\/span><span style=\"letter-spacing: 0.8px\"><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f3048f e-con-full e-flex e-con e-child\" data-id=\"2f3048f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1289f64 e-con-full e-flex e-con e-child\" data-id=\"1289f64\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65faceb elementor-widget elementor-widget-heading\" data-id=\"65faceb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Amortissement<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-31b1228 e-con-full e-flex e-con e-child\" data-id=\"31b1228\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6613686 elementor-widget elementor-widget-heading\" data-id=\"6613686\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">3200<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a1a78be e-con-full e-flex e-con e-child\" data-id=\"a1a78be\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-488c6b1 elementor-widget elementor-widget-heading\" data-id=\"488c6b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><span style=\"letter-spacing: 0.8px\">CHF\/an<\/span><span style=\"letter-spacing: 0.8px\"><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-04d545d e-con-full e-flex e-con e-child\" data-id=\"04d545d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0714609 elementor-widget elementor-widget-heading\" data-id=\"0714609\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">0<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-32d3ba6 e-con-full e-flex e-con e-child\" data-id=\"32d3ba6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb28871 elementor-widget elementor-widget-heading\" data-id=\"bb28871\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><span style=\"letter-spacing: 0.8px\">CHF\/an<\/span><span style=\"letter-spacing: 0.8px\"><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5bd8dba e-con-full e-flex e-con e-child\" data-id=\"5bd8dba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5945a77 e-con-full e-flex e-con e-child\" data-id=\"5945a77\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9c59c33 elementor-widget elementor-widget-heading\" data-id=\"9c59c33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Total de la r\u00e9novation<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f0fe326 e-con-full e-flex e-con e-child\" data-id=\"f0fe326\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fbcf452 elementor-widget elementor-widget-heading\" data-id=\"fbcf452\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">5200<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0e33940 e-con-full e-flex e-con e-child\" data-id=\"0e33940\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-076f0be elementor-widget elementor-widget-heading\" data-id=\"076f0be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><span style=\"letter-spacing: 0.8px\">CHF\/an<\/span><span style=\"letter-spacing: 0.8px\"><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6b712cc e-con-full e-flex e-con e-child\" data-id=\"6b712cc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7372ae3 elementor-widget elementor-widget-heading\" data-id=\"7372ae3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">4800<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3c54ea4 e-con-full e-flex e-con e-child\" data-id=\"3c54ea4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-86495f9 elementor-widget elementor-widget-heading\" data-id=\"86495f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><span style=\"letter-spacing: 0.8px\">CHF\/an<\/span><span style=\"letter-spacing: 0.8px\"><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-acc9a34 e-con-full e-flex e-con e-child\" data-id=\"acc9a34\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-28b90db e-con-full e-flex e-con e-child\" data-id=\"28b90db\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77bfdfe elementor-widget elementor-widget-heading\" data-id=\"77bfdfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Co\u00fbt annuel de la subdivision<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d32111a e-con-full e-flex e-con e-child\" data-id=\"d32111a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c0d1b7c e-con-full e-flex e-con e-child\" data-id=\"c0d1b7c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bd05b70 e-con-full e-flex e-con e-child\" data-id=\"bd05b70\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8e822f9 e-con-full e-flex e-con e-child\" data-id=\"8e822f9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be093d1 elementor-widget elementor-widget-heading\" data-id=\"be093d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Int\u00e9r\u00eat du capital investi<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b7c7650 e-con-full e-flex e-con e-child\" data-id=\"b7c7650\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1932542 elementor-widget elementor-widget-heading\" data-id=\"1932542\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">750<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3e8d9f2 e-con-full e-flex e-con e-child\" data-id=\"3e8d9f2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53286ee elementor-widget elementor-widget-heading\" data-id=\"53286ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><span style=\"letter-spacing: 0.8px\">CHF\/an<\/span><span style=\"letter-spacing: 0.8px\"><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5faf466 e-con-full e-flex e-con e-child\" data-id=\"5faf466\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-877a871 elementor-widget elementor-widget-heading\" data-id=\"877a871\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">1800<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7bbb5b4 e-con-full e-flex e-con e-child\" data-id=\"7bbb5b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-644c1d3 elementor-widget elementor-widget-heading\" data-id=\"644c1d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><span style=\"letter-spacing: 0.8px\">CHF\/an<\/span><span style=\"letter-spacing: 0.8px\"><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1869660 e-con-full e-flex e-con e-child\" data-id=\"1869660\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-984373c e-con-full e-flex e-con e-child\" data-id=\"984373c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-638e5fc elementor-widget elementor-widget-heading\" data-id=\"638e5fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Amortissement<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ae545aa e-con-full e-flex e-con e-child\" data-id=\"ae545aa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d61832 elementor-widget elementor-widget-heading\" data-id=\"5d61832\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">1200<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d3d8ba4 e-con-full e-flex e-con e-child\" data-id=\"d3d8ba4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-549211b elementor-widget elementor-widget-heading\" data-id=\"549211b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><span style=\"letter-spacing: 0.8px\">CHF\/an<\/span><span style=\"letter-spacing: 0.8px\"><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f83acef e-con-full e-flex e-con e-child\" data-id=\"f83acef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f69d1c elementor-widget elementor-widget-heading\" data-id=\"4f69d1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">0<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a7de202 e-con-full e-flex e-con e-child\" data-id=\"a7de202\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97e8d8f elementor-widget elementor-widget-heading\" data-id=\"97e8d8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><span style=\"letter-spacing: 0.8px\">CHF\/an<\/span><span style=\"letter-spacing: 0.8px\"><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0e857a7 e-con-full e-flex e-con e-child\" data-id=\"0e857a7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0f284b2 e-con-full e-flex e-con e-child\" data-id=\"0f284b2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25c9e64 elementor-widget elementor-widget-heading\" data-id=\"25c9e64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Total de la subdivision<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9630f17 e-con-full e-flex e-con e-child\" data-id=\"9630f17\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8c51747 elementor-widget elementor-widget-heading\" data-id=\"8c51747\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">1950<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0afcd02 e-con-full e-flex e-con e-child\" data-id=\"0afcd02\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14e7dd2 elementor-widget elementor-widget-heading\" data-id=\"14e7dd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><span style=\"letter-spacing: 0.8px\">CHF\/an<\/span><span style=\"letter-spacing: 0.8px\"><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-654ad8f e-con-full e-flex e-con e-child\" data-id=\"654ad8f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a5c601a elementor-widget elementor-widget-heading\" data-id=\"a5c601a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">1800<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4efb131 e-con-full e-flex e-con e-child\" data-id=\"4efb131\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2caa1d8 elementor-widget elementor-widget-heading\" data-id=\"2caa1d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><span style=\"letter-spacing: 0.8px\">CHF\/an<\/span><span style=\"letter-spacing: 0.8px\"><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b4e11a7 e-con-full e-flex e-con e-child\" data-id=\"b4e11a7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-b7ec1b4 e-con-full e-flex e-con e-child\" data-id=\"b7ec1b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a7f3b54 elementor-widget elementor-widget-heading\" data-id=\"a7f3b54\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">B\u00e9n\u00e9fice<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e7eda1 e-con-full e-flex e-con e-child\" data-id=\"1e7eda1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3b5a410 e-con-full e-flex e-con e-child\" data-id=\"3b5a410\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5db0e90 e-con-full e-flex e-con e-child\" data-id=\"5db0e90\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-77e6859 e-con-full e-flex e-con e-child\" data-id=\"77e6859\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b2c4b53 elementor-widget elementor-widget-heading\" data-id=\"b2c4b53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Subdivision<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8099d88 e-con-full e-flex e-con e-child\" data-id=\"8099d88\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bfa649 elementor-widget elementor-widget-heading\" data-id=\"7bfa649\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">5&nbsp;350<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d305ba5 e-con-full e-flex e-con e-child\" data-id=\"d305ba5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b95a342 elementor-widget elementor-widget-heading\" data-id=\"b95a342\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><span style=\"letter-spacing: 0.8px\">CHF\/an<\/span><span style=\"letter-spacing: 0.8px\"><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-76e9a43 e-con-full e-flex e-con e-child\" data-id=\"76e9a43\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f98552 elementor-widget elementor-widget-heading\" data-id=\"5f98552\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><span style=\"letter-spacing: 0.8px\">5&nbsp;350<\/span><span style=\"letter-spacing: 0.8px\"><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bf3d7f2 e-con-full e-flex e-con e-child\" data-id=\"bf3d7f2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d7b919 elementor-widget elementor-widget-heading\" data-id=\"2d7b919\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><span style=\"letter-spacing: 0.8px\">CHF\/an<\/span><span style=\"letter-spacing: 0.8px\"><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-84dfdec e-con-full e-flex e-con e-child\" data-id=\"84dfdec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-86b012b e-con-full e-flex e-con e-child\" data-id=\"86b012b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9e280f3 elementor-widget elementor-widget-heading\" data-id=\"9e280f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Subdivision et r\u00e9novation<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e682abf e-con-full e-flex e-con e-child\" data-id=\"e682abf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bd4e9f8 elementor-widget elementor-widget-heading\" data-id=\"bd4e9f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">150<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-37e098d e-con-full e-flex e-con e-child\" data-id=\"37e098d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0838950 elementor-widget elementor-widget-heading\" data-id=\"0838950\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><span style=\"letter-spacing: 0.8px\">CHF\/an<\/span><span style=\"letter-spacing: 0.8px\"><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2d0e5a2 e-con-full e-flex e-con e-child\" data-id=\"2d0e5a2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7e965c elementor-widget elementor-widget-heading\" data-id=\"c7e965c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">700<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9fe1fee e-con-full e-flex e-con e-child\" data-id=\"9fe1fee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ac35c7e elementor-widget elementor-widget-heading\" data-id=\"ac35c7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><span style=\"letter-spacing: 0.8px\">CHF\/an<\/span><span style=\"letter-spacing: 0.8px\"><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-17a0ac4 e-con-full e-flex e-con e-child\" data-id=\"17a0ac4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-8303047 e-con-full e-flex e-con e-child\" data-id=\"8303047\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a3ffee6 elementor-widget elementor-widget-heading\" data-id=\"a3ffee6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Taux de financement de la r\u00e9novation \npar la subdivision<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dc086bf e-con-full e-flex e-con e-child\" data-id=\"dc086bf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-57363c5 elementor-widget elementor-widget-heading\" data-id=\"57363c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">103<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d7de0ab e-con-full e-flex e-con e-child\" data-id=\"d7de0ab\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-06ff030 elementor-widget elementor-widget-heading\" data-id=\"06ff030\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">%<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70c5a54 e-con-full e-flex e-con e-child\" data-id=\"70c5a54\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b71b4b8 elementor-widget elementor-widget-heading\" data-id=\"b71b4b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">115<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cac8f61 e-con-full e-flex e-con e-child\" data-id=\"cac8f61\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3499209 elementor-widget elementor-widget-heading\" data-id=\"3499209\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">%<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6511d8 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b6511d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tCe b\u00e9n\u00e9fice permet de financer des travaux de r\u00e9novation. Plus pr\u00e9cis\u00e9ment, il permet de couvrir tout ou partie du service de la dette que les propri\u00e9taires auront contract\u00e9e pour payer ces travaux, respectivement du manque \u00e0 gagner des fonds propres bloqu\u00e9s dans la r\u00e9novation. Dans l\u2019exemple, le b\u00e9n\u00e9fice de la subdivision suffit pour couvrir le co\u00fbt annualis\u00e9 de la r\u00e9novation. Si le deuxi\u00e8me appartement \u00e9tait vendu et non lou\u00e9, le produit net de la vente permettrait directement de financer les frais de r\u00e9novation. Ce r\u00e9sultat favorable d\u00e9pend \u00e9videmment de l\u2019importance des travaux de r\u00e9novation et donc de l\u2019\u00e9tat d\u2019entretien de la maison.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e0c6a9 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6e0c6a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tCes calculs ne tiennent pas encore compte des cons\u00e9quences fiscales de ces op\u00e9rations. En principe, le revenu imposable additionnel est \u00e9gal au revenu locatif net du nouveau logement (15\u00a0300\u00a0CHF), moins les frais financiers suppl\u00e9mentaires (6600\u00a0CHF si la r\u00e9novation et la subdivision ont \u00e9t\u00e9 int\u00e9gralement pay\u00e9es par un emprunt), moins encore la diminution de la valeur locative nette du logement occup\u00e9 par les propri\u00e9taires (8000\u00a0CHF si le fisc l\u2019estime de la m\u00eame fa\u00e7on). On obtient donc, pour la premi\u00e8re ann\u00e9e, un revenu imposable additionnel \u00e9gal au b\u00e9n\u00e9fice de 700\u00a0CHF de la subdivision avec r\u00e9novation dans la variante <strong>B<\/strong>. Ce revenu va augmenter au fil des ann\u00e9es, \u00e0 mesure que les propri\u00e9taires rembourseront leur dette, puisqu\u2019ils auront moins d\u2019int\u00e9r\u00eats \u00e0 d\u00e9duire.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b146e4 bloc-teasing elementor-widget__width-initial elementor-widget elementor-widget-video\" data-id=\"7b146e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;vimeo&quot;,&quot;show_image_overlay&quot;:&quot;yes&quot;,&quot;image_overlay&quot;:{&quot;url&quot;:&quot;http:\\\/\\\/www.metamorphouse.ch\\\/wp-content\\\/uploads\\\/4-thumb-FR.webp&quot;,&quot;id&quot;:17163,&quot;size&quot;:&quot;&quot;,&quot;alt&quot;:&quot;&quot;,&quot;source&quot;:&quot;library&quot;},&quot;lightbox&quot;:&quot;yes&quot;,&quot;lazy_load&quot;:&quot;yes&quot;}\" data-no-translation=\"\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-7b146e4{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<a class=\"elementor-element elementor-element-b90d8ee e-con-full elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"b90d8ee\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-no-translation=\"\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjE4MzMwIiwidG9nZ2xlIjpmYWxzZX0%3D\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e8d676b elementor-widget elementor-widget-image\" data-id=\"e8d676b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"432\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/4-thumb-DE-play-768x432.webp\" class=\"attachment-medium_large size-medium_large wp-image-18297\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/4-thumb-DE-play-768x432.webp 768w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/4-thumb-DE-play-300x169.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/4-thumb-DE-play-1024x576.webp 1024w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/4-thumb-DE-play-1536x864.png 1536w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/4-thumb-DE-play-18x10.png 18w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/4-thumb-DE-play.webp 1920w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<div class=\"elementor-element elementor-element-1aa06a8 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"1aa06a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d73d6c7 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"d73d6c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLe but de ce chapitre \u00e9tait de montrer comment on peut \u00e9valuer la rentabilit\u00e9 de la subdivision d\u2019une maison familiale. Pour faire au plus juste, nous n\u2019avons pris en compte que les travaux qui sont strictement n\u00e9cessaires pour la subdivision lorsqu\u2019elle s\u2019accompagne, comme c\u2019est g\u00e9n\u00e9ralement le cas, d\u2019une r\u00e9novation de la maison. On peut renverser la perspective: la n\u00e9cessit\u00e9 de r\u00e9nover la maison peut d\u00e9clencher une r\u00e9flexion sur l\u2019utilisation de l\u2019espace et conduire les propri\u00e9taires \u00e0 opter pour une subdivision. Celle-ci pourra alors contribuer \u00e0 financer la r\u00e9novation proprement dite.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9869f29 bloc-teasing elementor-widget__width-initial elementor-widget elementor-widget-video\" data-id=\"9869f29\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;vimeo&quot;,&quot;show_image_overlay&quot;:&quot;yes&quot;,&quot;image_overlay&quot;:{&quot;url&quot;:&quot;http:\\\/\\\/www.metamorphouse.ch\\\/wp-content\\\/uploads\\\/6-thumb-FR.webp&quot;,&quot;id&quot;:17167,&quot;size&quot;:&quot;&quot;,&quot;alt&quot;:&quot;&quot;,&quot;source&quot;:&quot;library&quot;},&quot;lightbox&quot;:&quot;yes&quot;,&quot;lazy_load&quot;:&quot;yes&quot;}\" data-no-translation=\"\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-9869f29{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<a class=\"elementor-element elementor-element-16899b0 e-con-full elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"16899b0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-no-translation=\"\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjE4MzMyIiwidG9nZ2xlIjpmYWxzZX0%3D\">\n\t\t\t\t<div class=\"elementor-element elementor-element-81b93b5 elementor-widget elementor-widget-image\" data-id=\"81b93b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"432\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/6-thumb-DE-play-768x432.webp\" class=\"attachment-medium_large size-medium_large wp-image-18299\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/6-thumb-DE-play-768x432.webp 768w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/6-thumb-DE-play-300x169.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/6-thumb-DE-play-1024x576.webp 1024w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/6-thumb-DE-play-1536x864.png 1536w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/6-thumb-DE-play-18x10.png 18w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/6-thumb-DE-play.webp 1920w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<div class=\"elementor-element elementor-element-b8f4d89 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b8f4d89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLa subdivision d\u2019une maison familiale pour cr\u00e9er un \ndeuxi\u00e8me logement repr\u00e9sente une option particuli\u00e8rement attractive dans les conditions suivantes:\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce45339 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ce45339\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li>La maison se pr\u00eate bien, par sa typologie et par l\u2019existence d\u2019une r\u00e9serve constructible, \u00e0 la cr\u00e9ation d\u2019un deuxi\u00e8me logement;<\/li>\n<li>La maison a besoin d\u2019\u00eatre r\u00e9nov\u00e9e, ce qui se laisse facilement combiner avec la cr\u00e9ation du second logement;<\/li>\n<li>Les propri\u00e9taires n\u2019utilisent plus que rarement plusieurs chambres de leur maison, de sorte que l\u2019abandon d\u2019une certaine surface au profit d\u2019un deuxi\u00e8me logement ne repr\u00e9sente pas un grand sacrifice;<\/li>\n<li>Il existe une forte demande pour le genre de logement pouvant \u00eatre cr\u00e9\u00e9 \u00e0 cet endroit par subdivision, de telle sorte que le nouvel appartement pourra \u00eatre mis en location ou vendu \u00e0 un prix attractif;<\/li>\n<li>On peut convenir avec les nouveaux locataires de services additionnels, pouvant aller de l\u2019entretien de la maison et du jardin \u00e0 des services de gardiennage ou de soins.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba23a0e elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"ba23a0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">R\u00e9f\u00e9rences bibliographiques<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6f03374 e-con-full e-flex e-con e-child\" data-id=\"6f03374\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a491e0d elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a491e0d\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"c-dju\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Cuennet St\u00e9phane, Favarger Philippe, Thalmann Philippe,\u00a0<a href=\"https:\/\/www.epflpress.org\/produit\/193\/9782880745998\/la-politique-du-logement\" target=\"_blank\" rel=\"noopener\">La politique du logement<\/a>, Presses polytechniques et universitaires romandes, collection Le Savoir Suisse, Lausanne, 2002.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-409360a e-con-full e-flex e-con e-child\" data-id=\"409360a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ec47ae elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5ec47ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tDjurdjevic Dragana, Eugster Christine, \u00abEstimation of hedonic models using a multilevel approach. An application for the Swiss rental market\u00bb, Swiss journal of economics and statistics, 144\/4, 2008, pp.&nbsp;679-701.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a8f489 e-con-full e-flex e-con e-child\" data-id=\"2a8f489\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7346bbe elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7346bbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Favarger Philippe, Thalmann Philippe,\u00a0<a href=\"https:\/\/www.epflpress.org\/produit\/273\/9782889152001\/les-secrets-de-l-expertise-immobiliere\" target=\"_blank\" rel=\"noopener\">Les secrets de l\u2019expertise immobili\u00e8re<\/a>. Prix et valeurs, 4e\u00a0\u00e9dition, Presses polytechniques et universitaires romandes, Lausanne, 2012.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-abb3879 e-con-full e-flex e-con e-child\" data-id=\"abb3879\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f78fe8d elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f78fe8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tGlauser Thomas, Br\u00f6hl Andreas, Horeh\u00e1jov\u00e1 Andrea, Was Wohnqualit\u00e4t in Z\u00fcrich kostet, rapport pour l\u2019Office de la statistique de la Ville de Zurich, 2\/2009.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8c06217 e-con-full e-flex e-con e-child\" data-id=\"8c06217\" data-element_type=\"container\" data-e-type=\"container\" id=\"c-kubi\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6401ee6 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6401ee6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tKubli Ursina et al., Wertvoller Boden. Die Funktionsweise des Bodenmarktes im Kanton Zurich, rapport pour la Banque Cantonale Zurichoise et l\u2019Office de la statistique du Canton de Zurich, 2008.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cda68d9 e-con-full e-flex e-con e-child\" data-id=\"cda68d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0077406 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"0077406\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"c-salvi\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tSalvi Marco, Assessing airport noise, demand for quietness and land-structure substitution. Three applications of the hedonic model in Switzerland, th\u00e8se de doctorat, \u00c9cole polytechnique f\u00e9d\u00e9rale de Lausanne, 2008.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b991f32 e-con-full e-flex e-con e-child\" data-id=\"b991f32\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-02d91e8 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"02d91e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tThalmann Philippe, Favarger Philippe,\u00a0<a href=\"https:\/\/www.epflpress.org\/produit\/40\/9782880744908\/locataire-ou-proprietaire\" target=\"_blank\" rel=\"noopener\">Locataire ou propri\u00e9taire? Enjeux et mythes de l\u2019accession \u00e0 la propri\u00e9t\u00e9 en Suisse<\/a>, Presses polytechniques et universitaires romandes, Lausanne, 2002.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f18a94 elementor-widget elementor-widget-spacer\" data-id=\"1f18a94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f99d55b e-con-full e-flex e-con e-child\" data-id=\"f99d55b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32ae6ea elementor-widget elementor-widget-template\" data-id=\"32ae6ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"20975\" class=\"elementor elementor-20975\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a108e68 zone-liens e-flex e-con-boxed e-con e-child\" data-id=\"a108e68\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2512fc3 elementor-widget elementor-widget-heading\" data-id=\"2512fc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.metamorphouse.ch\/de\/financement\/\">Questions de financement<\/a><\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d4584d elementor-widget elementor-widget-html\" data-id=\"9d4584d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>\ndocument.addEventListener(\"DOMContentLoaded\", function() {\n  const zone = document.querySelector('.zone-liens');\n  if (!zone) return;\n\n  const currentURL = window.location.href.split('#')[0];\n  const links = zone.querySelectorAll('a[href]');\n\n  links.forEach(link => {\n    const linkURL = link.href.split('#')[0];\n    if (linkURL === currentURL) {\n      link.classList.add('lien-actif');\n    }\n  });\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-20f17f4 e-con-full e-flex e-con e-child\" data-id=\"20f17f4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e11857c elementor-align-start elementor-mobile-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e11857c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.metamorphouse.ch\/de\/la-subdivision-coute-et-rapporte\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">La subdivision co\u00fbte\u2026 et rapporte&#8239;!<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.metamorphouse.ch\/de\/regles-financement\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Comprendre les r\u00e8gles de financement<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.metamorphouse.ch\/de\/poser-les-bases-du-financement\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Poser les bases du financement<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d83e603 elementor-align-start elementor-mobile-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d83e603\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.metamorphouse.ch\/de\/financer-une-subdivision\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Financer la subdivision d'une villa<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.metamorphouse.ch\/de\/comptabiliser-le-loyer\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Comptabiliser le loyer<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.metamorphouse.ch\/de\/couts-benefices\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Analyse co\u00fbts-b\u00e9n\u00e9fices<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Die Analyse der Unterteilung einer Villa untersucht die wirtschaftlichen und praktischen Aspekte einer solchen Transformation, indem Opportunit\u00e4tskosten, finanzielle Vorteile und soziale Auswirkungen beleuchtet werden. Philippe Favarger und Philippe Thalmann zeigen, dass die Schaffung einer zweiten Wohneinheit energetische Sanierungen finanzieren, Mieteinnahmen generieren oder die Instandhaltungskosten f\u00fcr die Eigent\u00fcmer verringern kann. Diese Option ist besonders vorteilhaft, wenn das Haus untergenutzt ist und eine hohe Wohnungsnachfrage besteht. Durch die Kombination potenzieller Einnahmen, Einsparungen bei den Instandhaltungskosten und nicht-monet\u00e4rer Vorteile kann die Unterteilung eine rentable L\u00f6sung darstellen und gleichzeitig den Anforderungen des lokalen Immobilienmarkts gerecht werden.<\/p>","protected":false},"author":1,"featured_media":16649,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[33],"tags":[],"class_list":["post-16071","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-themes"],"_links":{"self":[{"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/posts\/16071","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/comments?post=16071"}],"version-history":[{"count":474,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/posts\/16071\/revisions"}],"predecessor-version":[{"id":21153,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/posts\/16071\/revisions\/21153"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/media\/16649"}],"wp:attachment":[{"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/media?parent=16071"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/categories?post=16071"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/tags?post=16071"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}