{"id":18200,"date":"2025-01-22T18:13:33","date_gmt":"2025-01-22T17:13:33","guid":{"rendered":"https:\/\/www.metamorphouse.ch\/?p=18200"},"modified":"2026-03-23T17:16:48","modified_gmt":"2026-03-23T16:16:48","slug":"finanzierungsregeln","status":"publish","type":"post","link":"https:\/\/www.metamorphouse.ch\/de\/regles-financement\/","title":{"rendered":"Die Finanzierungsregeln verstehen"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"18200\" class=\"elementor elementor-18200\" 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-7371cb7 elementor-fixed elementor-hidden-mobile 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<div class=\"elementor-element elementor-element-29ba8dc e-con-full e-flex e-con e-child\" data-id=\"29ba8dc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55f5cab elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"55f5cab\" 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-55f5cab{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f9771c elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2f9771c\" 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\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\">Die Finanzierung<\/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\">Die Finanzierungsregeln verstehen<\/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<div class=\"elementor-element elementor-element-b01c90c e-con-full e-flex e-con e-child\" data-id=\"b01c90c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64ab2da report-video elementor-widget__width-inherit elementor-widget elementor-widget-html\" data-id=\"64ab2da\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"finanzierungsregeln-verstehen\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div style=\"padding:56.25% 0 0 0;position:relative;\"><iframe src=\"https:\/\/player.vimeo.com\/video\/1057814226?texttrack=de&amp;h=7b95348ffe&amp;badge=0&amp;autopause=0&amp;player_id=0&amp;app_id=58479\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture\" allowfullscreen style=\"position:absolute;top:0;left:0;width:100%;height:100%;\" title=\"Haus S.\"><\/iframe><\/div><script src=\"https:\/\/player.vimeo.com\/api\/player.js\"><\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab40818 elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"ab40818\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" 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<ol><li><strong><a class=\"video-link\" href=\"#finanzierungsregeln-verstehen\" data-timestamp=\"9\">Regel 1 \u2013 Eigenmittel<\/a><\/strong><\/li><li><a class=\"video-link\" href=\"#finanzierungsregeln-verstehen\" data-timestamp=\"40\">Verpf\u00e4ndung<\/a><\/li><li><a class=\"video-link\" href=\"#finanzierungsregeln-verstehen\" data-timestamp=\"68\">Kaufnebenkosten<\/a><\/li><li><a class=\"video-link\" href=\"#finanzierungsregeln-verstehen\" data-timestamp=\"82\">Hypotheken = 80 %<\/a><\/li><li><a class=\"video-link\" href=\"#finanzierungsregeln-verstehen\" data-timestamp=\"102\">Amortisation<\/a><\/li><li><a class=\"video-link\" href=\"#finanzierungsregeln-verstehen\" data-timestamp=\"120\">Hypotheken &gt; 80 %<\/a><\/li><li><strong><a class=\"video-link\" href=\"#finanzierungsregeln-verstehen\" data-timestamp=\"144\">Regel 2 \u2013 Tragbarkeit<\/a><\/strong><\/li><li><a class=\"video-link\" href=\"#finanzierungsregeln-verstehen\" data-timestamp=\"162\">Kalkulatorische Kosten<\/a><\/li><li><a class=\"video-link\" href=\"#finanzierungsregeln-verstehen\" data-timestamp=\"200\">Unterschiede zwischen Banken<\/a><\/li><li><a class=\"video-link\" href=\"#finanzierungsregeln-verstehen\" data-timestamp=\"256\">Alter der Eigent\u00fcmer\u00b7innen<\/a><\/li><li><a class=\"video-link\" href=\"#finanzierungsregeln-verstehen\" data-timestamp=\"271\">Bank wechseln?<\/a><\/li><li><a class=\"video-link\" href=\"#finanzierungsregeln-verstehen\" data-timestamp=\"293\">Wertsteigerung der Liegenschaft<\/a><\/li><\/ol>\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-b47eb73 e-con-full e-flex e-con e-child\" data-id=\"b47eb73\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e0a9df8 elementor-widget elementor-widget-heading\" data-id=\"e0a9df8\" 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\">Comprendre les r\u00e8gles de financement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6121126 elementor-toc--content-ellipsis elementor-widget__width-initial elementor-toc--minimized-on-desktop elementor-hidden-mobile elementor-hidden-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"6121126\" 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;h3&quot;,&quot;h4&quot;],&quot;minimized_on&quot;:&quot;desktop&quot;,&quot;no_headings_message&quot;:&quot;Aucun titre n\\u2019a \\u00e9t\\u00e9 trouv\\u00e9 sur cette page.&quot;,&quot;marker_view&quot;:&quot;bullets&quot;,&quot;icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&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;:[]}}\" 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__6121126\" 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__6121126\" 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__6121126\" 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>\n\t\t<div class=\"elementor-element elementor-element-3efee47 e-con-full e-flex e-con e-child\" data-id=\"3efee47\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0ca7167 e-con-full e-flex e-con e-child\" data-id=\"0ca7167\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c6ed1de elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"c6ed1de\" 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\">R\u00e8gle n\u00b0&nbsp;1&nbsp;: Fonds propres<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56c5ed5 e-con-full e-flex e-con e-child\" data-id=\"56c5ed5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-no-translation=\"\">\n\t\t\t\t<div class=\"elementor-element elementor-element-949d6bf elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"949d6bf\" data-element_type=\"widget\" data-e-type=\"widget\" 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<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-video\"><\/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-b8a2eef elementor-widget__width-inherit elementor-widget-mobile__width-auto elementor-widget elementor-widget-html\" data-id=\"b8a2eef\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a class=\"video-link\" href=\"#finanzierungsregeln-verstehen\" data-timestamp=\"9\">Videolink<\/a><\/li>\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-a8cad10 e-con-full e-flex e-con e-child\" data-id=\"a8cad10\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-03aade2 e-con-full e-flex e-con e-child\" data-id=\"03aade2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-87cb0e1 elementor-widget elementor-widget-text-editor\" data-id=\"87cb0e1\" 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 un financement d&rsquo;un bien immobilier \u00e0 80 %, il faut 20% de fonds propres.<\/p><p>Au moins 10\u00a0% de la valeur du bien doivent \u00eatre apport\u00e9s en <b>cash<\/b>\u00a0: liquidit\u00e9s, titres qui peuvent \u00eatre vendus ou \u00e9pargne du troisi\u00e8me pilier.<\/p><p>10\u00a0% peuvent provenir du capital du deuxi\u00e8me pilier.<\/p><p>Le montant peut \u00eatre sorti de la pr\u00e9voyance professionnelle ou mis en gage.<\/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-7cbab29 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"7cbab29\" 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\">Mise en gage du capital vieillesse<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3773ea1 elementor-widget elementor-widget-text-editor\" data-id=\"3773ea1\" 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 mise en gage signifie que le capital reste dans la caisse de pension. Il est utilis\u00e9 comme garantie du pr\u00eat. Par cons\u00e9quent, le pr\u00eat hypoth\u00e9caire est augment\u00e9 d\u2019un montant \u00e9quivalent.<\/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-c3fa793 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"c3fa793\" 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-check\"><\/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\">Avantage : pas de lacunes de pr\u00e9voyance vieillesse dans le deuxi\u00e8me pilier.<\/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-e0b1ef0 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e0b1ef0\" 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-times\"><\/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\">Inconv\u00e9nient : l\u2019augmentation de l\u2019hypoth\u00e8que induit une hausse des int\u00e9r\u00eats th\u00e9oriques et de l\u2019amortissement (voir ci-dessous).<\/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-9e6825e elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"9e6825e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;1&quot;,&quot;effect&quot;:&quot;fade&quot;,&quot;speed&quot;:1,&quot;lazyload&quot;:&quot;yes&quot;,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000}\" data-no-translation=\"\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-9e6825e{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c1e282 elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"5c1e282\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;1&quot;,&quot;effect&quot;:&quot;fade&quot;,&quot;speed&quot;:1,&quot;lazyload&quot;:&quot;yes&quot;,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000}\" data-no-translation=\"\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carrousel d\u2019images\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 5\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-05.webp\" alt=\"10% des Liegenschaftswerts m\u00fcssen in bar eingebracht werden.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">10% des Liegenschaftswerts m\u00fcssen in bar eingebracht werden.<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 5\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-06.webp\" alt=\"Maximal 10% k\u00f6nnen aus dem Kapital der zweiten S\u00e4ule stammen.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Maximal 10% k\u00f6nnen aus dem Kapital der zweiten S\u00e4ule stammen.<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 5\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-09.webp\" alt=\"Auch die Kaufnebenkosten werden mit Fl\u00fcssigmittel finanziert.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Auch die Kaufnebenkosten werden mit Fl\u00fcssigmittel finanziert.<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"4 of 5\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-07.webp\" alt=\"Die zweite S\u00e4ule kann verpf\u00e4ndet anstatt investiert werden.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Die zweite S\u00e4ule kann verpf\u00e4ndet anstatt investiert werden.<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"5 of 5\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-08.webp\" alt=\"Die Belehnung wird dadurch erh\u00f6ht.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Die Belehnung wird dadurch erh\u00f6ht.<\/figcaption><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\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<div class=\"elementor-element elementor-element-9240ecf e-con-full e-flex e-con e-child\" data-id=\"9240ecf\" 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-8f36056 elementor-widget elementor-widget-heading\" data-id=\"8f36056\" 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<p class=\"elementor-heading-title elementor-size-default\">\u00c9pargne vieillesse en Suisse<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6a8f02 elementor-widget elementor-widget-text-editor\" data-id=\"a6a8f02\" 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>Premier pilier :<\/b> la pr\u00e9voyance \u00e9tatique appel\u00e9e aussi AVS (Assurance vieillesse et survivants).<\/p><p><b>Deuxi\u00e8me pilier :<\/b> la pr\u00e9voyance professionnelle par capitalisation, appel\u00e9e aussi LPP.<\/p><p><b>Troisi\u00e8me pilier :<\/b> la pr\u00e9voyance vieillesse volontaire.<\/p><p>Seuls les 2<sup>e<\/sup> et 3<sup>e<\/sup>\u00a0piliers peuvent participer au fonds propres.<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-020572e e-con-full e-flex e-con e-child\" data-id=\"020572e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-dea61ae e-con-full e-flex e-con e-child\" data-id=\"dea61ae\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a0a7803 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"a0a7803\" 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\">Frais d\u2019achat<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94d7caa elementor-widget elementor-widget-text-editor\" data-id=\"94d7caa\" 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 frais d\u2019achat correspondent \u00e0 environ 5 % du prix du bien. Ils englobent les droits de mutation, les frais de notaire et la constitution de la c\u00e9dule hypoth\u00e9caire.<\/p><p>Ces 5 % s\u2019ajoutent aux fonds propres et doivent aussi \u00eatre apport\u00e9s en <strong>cash<\/strong>.<\/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-bc04402 e-con-full e-flex e-con e-child\" data-id=\"bc04402\" 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-54504c1 elementor-widget elementor-widget-text-editor\" data-id=\"54504c1\" 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 <strong>droit de mutation<\/strong> est un imp\u00f4t sur les transferts de propri\u00e9t\u00e9 immobili\u00e8re. Son taux varie selon les cantons ou les communes.<\/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-c55b69a elementor-widget elementor-widget-text-editor\" data-id=\"c55b69a\" 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>Une <strong>c\u00e9dule hypoth\u00e9caire<\/strong> est \u00e9tablie lorsqu\u2019une hypoth\u00e8que est accord\u00e9e. Elle est inscrite au registre foncier et sert de gage au profit de l\u2019\u00e9tablissement qui pr\u00eate la somme. Son co\u00fbt est \u00e0 la charge de l\u2019emprunteur\u00b7e.<\/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-451bb5e e-con-full e-flex e-con e-child\" data-id=\"451bb5e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-74556f5 e-con-full e-flex e-con e-child\" data-id=\"74556f5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f2a136 elementor-widget elementor-widget-text-editor\" data-id=\"5f2a136\" 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 une banque estime la <b>valeur du bien<\/b> en dessous de sa <b>valeur d\u2019achat<\/b>, le client ou la cliente devra apporter des fonds propres suppl\u00e9mentaires, en plus des 20&nbsp;% requis.<\/p><p>Pour un prix d&rsquo;achat d&rsquo;un million et 20&nbsp;% de fonds propres, cela repr\u00e9senterait 200&rsquo;000&nbsp;francs.&nbsp;<\/p>\n<p>Si l\u2019estimation de la banque est inf\u00e9rieure, par exemple 900&rsquo;000&nbsp;francs, le client ou la cliente devra apporter 280&rsquo;000&nbsp;francs en fonds propres (20% x 900&rsquo;000 = 180&rsquo;000 + la diff\u00e9rence de prix = 280&rsquo;000&nbsp;francs).<\/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-ff03607 elementor-widget__width-initial elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"ff03607\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;1&quot;,&quot;effect&quot;:&quot;fade&quot;,&quot;speed&quot;:1,&quot;lazyload&quot;:&quot;yes&quot;,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000}\" data-no-translation=\"\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-ff03607{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7069302 elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"7069302\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;1&quot;,&quot;effect&quot;:&quot;fade&quot;,&quot;speed&quot;:1,&quot;lazyload&quot;:&quot;yes&quot;,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000}\" data-no-translation=\"\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carrousel d\u2019images\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 3\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-02.webp\" alt=\"Grunds\u00e4tzlich sind 20% Eigenmittel erforderlich.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Grunds\u00e4tzlich sind 20% Eigenmittel erforderlich.<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 3\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-03.webp\" alt=\"Wenn eine Bank den Wert der Liegenschaft unter dem Kaufpreis sch\u00e4tzt,\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Wenn eine Bank den Wert der Liegenschaft unter dem Kaufpreis sch\u00e4tzt,<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 3\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-04.webp\" alt=\"m\u00fcssen zus\u00e4tzliche Eigenmittel bereitgestellt werden.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">m\u00fcssen zus\u00e4tzliche Eigenmittel bereitgestellt werden.<\/figcaption><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\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<div class=\"elementor-element elementor-element-2807c2e e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"2807c2e\" 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-6cd59cb e-con-full e-flex e-con e-child\" data-id=\"6cd59cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2be2443 e-con-full e-flex e-con e-child\" data-id=\"2be2443\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b4370d elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"2b4370d\" 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\">Structure du pr\u00eat hypoth\u00e9caire<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-250f644 elementor-widget elementor-widget-text-editor\" data-id=\"250f644\" 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 pr\u00eat se divise en deux hypoth\u00e8ques\u00a0: l\u2019hypoth\u00e8ques en premier rang et en deuxi\u00e8me rang.\u00a0<\/p><p>Dans le cas d\u2019un financement \u00e0 80\u00a0%, avec des fonds propres de 20\u00a0%, le premier rang correspond \u00e0 66% de la valeur du bien et le deuxi\u00e8me couvre les 14\u00a0% restant.<\/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-bd2fd4e elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"bd2fd4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;1&quot;,&quot;effect&quot;:&quot;fade&quot;,&quot;speed&quot;:1,&quot;lazyload&quot;:&quot;yes&quot;,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000}\" data-no-translation=\"\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-bd2fd4e{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32b0b0f elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"32b0b0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;1&quot;,&quot;effect&quot;:&quot;fade&quot;,&quot;speed&quot;:1,&quot;lazyload&quot;:&quot;yes&quot;,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000}\" data-no-translation=\"\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carrousel d\u2019images\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 3\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-10.webp\" alt=\"Bei einer Belehnung von 80%\u2026\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Bei einer Belehnung von 80%\u2026<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 3\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-12.webp\" alt=\"betr\u00e4gt die Hypothek im ersten Rang 66%,\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">betr\u00e4gt die Hypothek im ersten Rang 66%,<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 3\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-13.webp\" alt=\"die im zweiten Rang 14%.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">die im zweiten Rang 14%.<\/figcaption><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\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<div class=\"elementor-element elementor-element-535a99c e-con-full e-flex e-con e-child\" data-id=\"535a99c\" 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-91fe553 e-con-full e-flex e-con e-child\" data-id=\"91fe553\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-675a24e elementor-widget elementor-widget-menu-anchor\" data-id=\"675a24e\" 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=\"tenue-des-charges\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3f4a808 e-con-full e-flex e-con e-child\" data-id=\"3f4a808\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a4d15a elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"7a4d15a\" 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\">R\u00e8gle n\u00b0&nbsp;2&nbsp;: Tenue des charges<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f7b4aa e-con-full e-flex e-con e-child\" data-id=\"4f7b4aa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-no-translation=\"\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b6bf892 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"b6bf892\" data-element_type=\"widget\" data-e-type=\"widget\" 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<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-video\"><\/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-841f46f elementor-widget__width-inherit elementor-widget-mobile__width-auto elementor-widget elementor-widget-html\" data-id=\"841f46f\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a class=\"video-link\" href=\"#finanzierungsregeln-verstehen\" data-timestamp=\"144\">Videolink<\/a><\/li>\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-a8b4793 e-con-full e-flex e-con e-child\" data-id=\"a8b4793\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-718a9cb e-con-full e-flex e-con e-child\" data-id=\"718a9cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-745bc35 elementor-widget elementor-widget-text-editor\" data-id=\"745bc35\" 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 deuxi\u00e8me r\u00e8gle de financement est le calcul de la capacit\u00e9 de tenue des charges du m\u00e9nage qui requiert le pr\u00eat.<\/p><p>Il s&rsquo;agit d&rsquo;additionner\u00a0:<b> 1)<\/b>\u00a0les frais d\u2019entretien th\u00e9oriques, <b>2)<\/b>\u00a0les int\u00e9r\u00eats th\u00e9oriques et <b>3)<\/b>\u00a0l&rsquo;amortissement.<\/p><p>Le montant total ne doit pas exc\u00e9der 33\u00a0% du revenu annuel brut du m\u00e9nage.<\/p><p>Il faut noter que les leasings et petits cr\u00e9dits sont d\u00e9duits du revenu brut.<\/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-bc71c45 elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"bc71c45\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;1&quot;,&quot;effect&quot;:&quot;fade&quot;,&quot;speed&quot;:1,&quot;lazyload&quot;:&quot;yes&quot;,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000}\" data-no-translation=\"\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-bc71c45{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-723f434 elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"723f434\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;1&quot;,&quot;effect&quot;:&quot;fade&quot;,&quot;speed&quot;:1,&quot;lazyload&quot;:&quot;yes&quot;,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000}\" data-no-translation=\"\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carrousel d\u2019images\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 5\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-20.webp\" alt=\"Die Finanzierungskosten setzen sich folgendermassen zusammen: 1) Theoretische Nebenkosten\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Die Finanzierungskosten setzen sich folgendermassen zusammen: 1) Theoretische Nebenkosten<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 5\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-21.webp\" alt=\"2) Theoretische Zinskosten\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">2) Theoretische Zinskosten<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 5\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-22.webp\" alt=\"3) Amortisation\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">3) Amortisation<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"4 of 5\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-23.webp\" alt=\"Die gesamten Finanzierungskosten\u2026\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Die gesamten Finanzierungskosten\u2026<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"5 of 5\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-24.webp\" alt=\"d\u00fcrfen 33% des verf\u00fcgbaren Bruttojahreseinkommens nicht \u00fcbersteigen.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">d\u00fcrfen 33% des verf\u00fcgbaren Bruttojahreseinkommens nicht \u00fcbersteigen.<\/figcaption><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\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 class=\"elementor-element elementor-element-77c2e56 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"77c2e56\" 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\">1) Frais d\u2019entretien th\u00e9oriques<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4b3e4e elementor-widget elementor-widget-text-editor\" data-id=\"b4b3e4e\" 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 frais d\u2019entretien th\u00e9oriques repr\u00e9sentent au maximum 1\u00a0% de la valeur du bien.<\/p><p>Certains \u00e9tablissements peuvent revoir ce taux \u00e0 la baisse en fonction de diff\u00e9rents crit\u00e8res.<\/p><p>L\u2019influence de cette variation sur le calcul de la tenue des charges est significative\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-3cd7938 elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"3cd7938\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;1&quot;,&quot;effect&quot;:&quot;fade&quot;,&quot;speed&quot;:1,&quot;lazyload&quot;:&quot;yes&quot;,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000}\" data-no-translation=\"\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-3cd7938{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d87b60 elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"0d87b60\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;1&quot;,&quot;effect&quot;:&quot;fade&quot;,&quot;speed&quot;:1,&quot;lazyload&quot;:&quot;yes&quot;,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000}\" data-no-translation=\"\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carrousel d\u2019images\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 4\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-25.webp\" alt=\"Die Amortisation unterscheidet sich nicht von Bank zu Bank.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Die Amortisation unterscheidet sich nicht von Bank zu Bank.<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 4\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-26.webp\" alt=\"Dagegen k\u00f6nnen die Nebenkosten und der theoretische Zinssatz variieren.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Dagegen k\u00f6nnen die Nebenkosten und der theoretische Zinssatz variieren.<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 4\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-27.webp\" alt=\"Ein kleiner Unterschied\u2026\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Ein kleiner Unterschied\u2026<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"4 of 4\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-28.webp\" alt=\"kann einen grossen Einfluss auf das f\u00fcr die Tragbarkeit n\u00f6tige Jahreseinkommen haben.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">kann einen grossen Einfluss auf das f\u00fcr die Tragbarkeit n\u00f6tige Jahreseinkommen haben. <\/figcaption><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\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<div class=\"elementor-element elementor-element-59c43b6 e-con-full e-flex e-con e-child\" data-id=\"59c43b6\" 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-e87d3c5 elementor-widget elementor-widget-text-editor\" data-id=\"e87d3c5\" 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 <strong>tenue des charges<\/strong> est le rapport entre le revenu brut du m\u00e9nage emprunteur et les co\u00fbts th\u00e9oriques du financement.<\/p><p>La plupart des \u00e9tablissements de financement exigent que ces co\u00fbts ne repr\u00e9sentent pas plus de 33\u00a0% du revenu brut du m\u00e9nage.<\/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-7b975f2 e-con-full e-flex e-con e-child\" data-id=\"7b975f2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5676278 e-con-full e-flex e-con e-child\" data-id=\"5676278\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4fb8c47 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"4fb8c47\" 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\">2) Int\u00e9r\u00eats th\u00e9oriques<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55c4719 elementor-widget elementor-widget-text-editor\" data-id=\"55c4719\" 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 int\u00e9r\u00eats th\u00e9oriques sont calcul\u00e9s par la plupart des \u00e9tablissements de pr\u00eat avec un taux de 5&nbsp;% sur l\u2019ensemble de la dette (valeur 2025).\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-24e29c7 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"24e29c7\" 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\">3) Amortissement<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd9ae77 elementor-widget elementor-widget-text-editor\" data-id=\"cd9ae77\" 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>L\u2019amortissement annuel s\u2019\u00e9l\u00e8ve \u00e0 1\/15<sup>e<\/sup> de l\u2019hypoth\u00e8que en deuxi\u00e8me rang, puisqu\u2019elle doit \u00eatre amortie sur une dur\u00e9e de 15\u00a0ans et dans tous les cas avant l\u2019\u00e2ge de la retraite.<\/p><p>Si un acheteur est \u00e2g\u00e9 de 55\u00a0ans, il faudrait l\u2019amortir sur une p\u00e9riode de 10\u00a0ans et l\u2019amortissement s\u2019\u00e9l\u00e8vera \u00e0 1\/10<sup>e<\/sup> du deuxi\u00e8me rang.<\/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-600ce71 e-con-full e-flex e-con e-child\" data-id=\"600ce71\" 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-cd5344e elementor-widget elementor-widget-text-editor\" data-id=\"cd5344e\" 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 <strong>taux d\u2019int\u00e9r\u00eat th\u00e9orique<\/strong> est une moyenne historique.<\/p><p>Ce mode de calcul surestime la charge d\u2019int\u00e9r\u00eat. Il doit permettre au d\u00e9biteur\u00b7e de payer son hypoth\u00e8que m\u00eame en cas de hausse des taux.<\/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-f34b841 e-con-full e-flex e-con e-child\" data-id=\"f34b841\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b37d342 e-con-full e-flex e-con e-child\" data-id=\"b37d342\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8ed5039 elementor-widget elementor-widget-text-editor\" data-id=\"8ed5039\" 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 cas d\u2019un <strong>financement sup\u00e9rieur \u00e0 80\u00a0%<\/strong>, l\u2019amortissement augmente.<\/p><p>Par exemple, lorsque le deuxi\u00e8me pilier est mis en gage, le financement passe \u00e0 90\u00a0%.<\/p><p>Puisque la dette doit baisser \u00e0 66\u00a0% de la valeur du bien en 15\u00a0ans et dans tous les cas avant l\u2019\u00e2ge de la retraite, l\u2019amortissement porte sur 24\u00a0% (90\u00a0% \u2013 66\u00a0% = 24\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-6afb329 elementor-widget elementor-widget-image\" data-id=\"6afb329\" 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<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/FR-16.webp\" class=\"attachment-full size-full wp-image-18144\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/FR-16.webp 1920w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/FR-16-300x169.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/FR-16-1024x576.webp 1024w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/FR-16-768x432.webp 768w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/FR-16-1536x864.png 1536w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/FR-16-18x10.png 18w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Pour un financement \u00e0 90%, l'amortissement est plus \u00e9lev\u00e9.<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\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-7c2c0a7 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"7c2c0a7\" 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-597bdcb e-con-full e-flex e-con e-child\" data-id=\"597bdcb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-58f5a56 e-con-full e-flex e-con e-child\" data-id=\"58f5a56\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38fa3ba elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"38fa3ba\" 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\">Diff\u00e9rences entre les banques<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3460d3 elementor-widget elementor-widget-text-editor\" data-id=\"a3460d3\" 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>L\u2019autorit\u00e9 f\u00e9d\u00e9rale de surveillance des march\u00e9s financiers, la FINMA, impose les r\u00e8gles principales, mais les banques disposent d\u2019une certaine marge de man\u0153uvre. Cela peut entra\u00eener des diff\u00e9rences importantes sur le calcul de la tenue des charges.<\/p><p>Le taux d\u2019amortissement de l\u2019hypoth\u00e8que en deuxi\u00e8me rang ne change pas d\u2019une banque \u00e0 une autre.<\/p><p>Pour le calcul des frais d\u2019entretien et des int\u00e9r\u00eats th\u00e9oriques, il y a des diff\u00e9rences entre les \u00e9tablissements qui peuvent avoir un grand impact sur le calcul de la tenue des charges.<\/p><p>En cons\u00e9quence, un financement qui n\u2019est pas possible dans une banque, du fait d\u2019un taux d\u2019entretien th\u00e9orique fix\u00e9 \u00e0 1\u00a0%, peut \u00eatre octroy\u00e9 sans probl\u00e8me dans une autre, parce qu&rsquo;elle utilise un taux de 0,7\u00a0%, par exemple.<\/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-1ab2522 elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"1ab2522\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;1&quot;,&quot;effect&quot;:&quot;fade&quot;,&quot;speed&quot;:1,&quot;lazyload&quot;:&quot;yes&quot;,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000}\" data-no-translation=\"\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-1ab2522{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-526a281 elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"526a281\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;1&quot;,&quot;effect&quot;:&quot;fade&quot;,&quot;speed&quot;:1,&quot;lazyload&quot;:&quot;yes&quot;,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000}\" data-no-translation=\"\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carrousel d\u2019images\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 2\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-31.webp\" alt=\"Bei einer Bank ist die Tragbarkeit nicht gegeben, wenn die Nebenkosten mit 1% des Liegenschaftswerts berechnet werden,\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Bei einer Bank ist die Tragbarkeit nicht gegeben, wenn die Nebenkosten mit 1% des Liegenschaftswerts berechnet werden, <\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 2\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-33.webp\" alt=\"w\u00e4hrend sie bei einer anderen Bank, die mit 0,7% rechnet, erf\u00fcllt ist.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">w\u00e4hrend sie bei einer anderen Bank, die mit 0,7% rechnet, erf\u00fcllt ist.<\/figcaption><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\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<div class=\"elementor-element elementor-element-d827f1f e-con-full e-flex e-con e-child\" data-id=\"d827f1f\" data-element_type=\"container\" data-e-type=\"container\">\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-e368e10 e-con-full e-flex e-con e-child\" data-id=\"e368e10\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e09cf54 e-con-full e-flex e-con e-child\" data-id=\"e09cf54\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25ce424 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"25ce424\" 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\">Influence de l\u2019\u00e2ge sur l\u2019octroi du pr\u00eat<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eb5c805 e-con-full e-flex e-con e-child\" data-id=\"eb5c805\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-no-translation=\"\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce450a3 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"ce450a3\" data-element_type=\"widget\" data-e-type=\"widget\" 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<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-video\"><\/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-28de901 elementor-widget__width-inherit elementor-widget-mobile__width-auto elementor-widget elementor-widget-html\" data-id=\"28de901\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a class=\"video-link\" href=\"#finanzierungsregeln-verstehen\" data-timestamp=\"256\">Videolink<\/a><\/li>\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-73344f2 e-con-full e-flex e-con e-child\" data-id=\"73344f2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-abc9e3e e-con-full e-flex e-con e-child\" data-id=\"abc9e3e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb474bb elementor-widget elementor-widget-text-editor\" data-id=\"bb474bb\" 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>Ce qui est d\u00e9terminant n\u2019est pas l\u2019\u00e2ge ni le fait d\u2019\u00eatre \u00e0 la retraite, mais la capacit\u00e9 de tenue des charges.<\/p><p>La v\u00e9rification de sa capacit\u00e9 de tenue des charges est un aspect important de la planification de la retraite.<\/p><p>Si, \u00e0 la retraite, la tenue des charges n\u2019est plus assur\u00e9e aupr\u00e8s de sa banque habituelle, le recours \u00e0 un\u00b7e conseiller\u00b7\u00e8re en financement permet d\u2019\u00e9largir ses options afin de trouver une solution.<\/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-0549ed3 e-con-full e-flex e-con e-child\" data-id=\"0549ed3\" data-element_type=\"container\" data-e-type=\"container\">\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-7afd330 e-con-full e-flex e-con e-child\" data-id=\"7afd330\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-64bf8d7 e-con-full e-flex e-con e-child\" data-id=\"64bf8d7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97260d1 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"97260d1\" 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\">Augmentation de la valeur du bien<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-546e6e3 e-con-full e-flex e-con e-child\" data-id=\"546e6e3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-no-translation=\"\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e59c35 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5e59c35\" data-element_type=\"widget\" data-e-type=\"widget\" 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<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-video\"><\/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-9113393 elementor-widget__width-inherit elementor-widget-mobile__width-auto elementor-widget elementor-widget-html\" data-id=\"9113393\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a class=\"video-link\" href=\"#finanzierungsregeln-verstehen\" data-timestamp=\"293\">Videolink<\/a><\/li>\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-a6491ed e-con-full e-flex e-con e-child\" data-id=\"a6491ed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c09255e e-con-full e-flex e-con e-child\" data-id=\"c09255e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b73dfc8 elementor-widget elementor-widget-text-editor\" data-id=\"b73dfc8\" 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 valeur du bien immobilier joue \u00e9galement un r\u00f4le important sur la tenue des charges.<\/p><p>Un bien qui prend de la valeur est une bonne nouvelle, mais entra\u00eene \u00e9galement des frais d&rsquo;entretien th\u00e9oriques plus \u00e9lev\u00e9s, puisqu\u2019ils sont calcul\u00e9s en pourcentage de la valeur du bien. Cette augmentation peut menacer la tenue des charges.<\/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-46514ca e-con-full e-flex e-con e-child\" data-id=\"46514ca\" data-element_type=\"container\" data-e-type=\"container\">\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-a32c7ec e-con-full e-flex e-con e-child\" data-id=\"a32c7ec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b279819 e-con-full e-flex e-con e-child\" data-id=\"b279819\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8bf1093 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"8bf1093\" 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\">Exemple de r\u00e9\u00e9valuation de la valeur du bien<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-409cf4f elementor-widget elementor-widget-text-editor\" data-id=\"409cf4f\" 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 la valeur d&rsquo;un bien est r\u00e9\u00e9valu\u00e9e de 1,5 \u00e0 2 millions de francs, les frais d&rsquo;entretien th\u00e9orique peuvent augmenter de 5000 francs par ann\u00e9e (1 % de la valeur ajout\u00e9e, soit 500&rsquo;000 francs).<\/p><p>Un revenu suppl\u00e9mentaire de 15&rsquo;000\u00a0francs (3 x 5000\u00a0francs) est n\u00e9cessaire pour garantir la tenue des charges.<\/p><p>Si, avec une valeur de 1,5 millions, les charges repr\u00e9sentaient 33 % du revenu (tenue des charges garantie), la valeur r\u00e9\u00e9valu\u00e9e peut les faire passer \u00e0 40 % du revenu, par exemple, et remettre en cause le financement (le crit\u00e8re de la tenue des charges n\u2019est plus rempli).<\/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-a8d500c elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"a8d500c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;1&quot;,&quot;effect&quot;:&quot;fade&quot;,&quot;speed&quot;:1,&quot;lazyload&quot;:&quot;yes&quot;,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000}\" data-no-translation=\"\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-a8d500c{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-867116d elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"867116d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;1&quot;,&quot;effect&quot;:&quot;fade&quot;,&quot;speed&quot;:1,&quot;lazyload&quot;:&quot;yes&quot;,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000}\" data-no-translation=\"\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carrousel d\u2019images\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 3\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-35.webp\" alt=\"Steigt der Liegenschaftswert,\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Steigt der Liegenschaftswert,<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 3\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-36.webp\" alt=\"steigen auch die Nebenkosten proportional,\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">steigen auch die Nebenkosten proportional,<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 3\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE-37.webp\" alt=\"was die Tragbarkeit gef\u00e4hrden kann.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">was die Tragbarkeit gef\u00e4hrden kann.<\/figcaption><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\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<div class=\"elementor-element elementor-element-c423b7d e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"c423b7d\" 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-541d2b6 e-con-full e-flex e-con e-child\" data-id=\"541d2b6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8bf2d8d elementor-widget elementor-widget-text-editor\" data-id=\"8bf2d8d\" 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>Il est utile de conna\u00eetre les r\u00e8gles de calcul appliqu\u00e9es par chaque banque, car une situation de charge tendue dans une banque ne signifie pas qu&rsquo;il en sera de m\u00eame dans une autre.<\/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-aaac41f e-con-full e-flex e-con e-child\" data-id=\"aaac41f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5fea411 elementor-widget__width-initial elementor-widget elementor-widget-template\" data-id=\"5fea411\" 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 class=\"elementor-element elementor-element-a46afca elementor-widget__width-initial elementor-widget elementor-widget-template\" data-id=\"a46afca\" 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=\"21017\" class=\"elementor elementor-21017\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1455fb7 e-con-full e-flex e-con e-child\" data-id=\"1455fb7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-202cf8a e-con-full e-flex e-con e-child\" data-id=\"202cf8a\" 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-6a8afeb elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"6a8afeb\" 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\">Remerciements<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1cac5ad e-con-full e-flex e-con e-child\" data-id=\"1cac5ad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c30fcab elementor-widget elementor-widget-image\" data-id=\"c30fcab\" 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=\"601\" height=\"181\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Plus-1.webp\" class=\"attachment-large size-large wp-image-18650\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Plus-1.webp 601w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Plus-1-300x90.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Plus-1-18x5.png 18w\" sizes=\"(max-width: 601px) 100vw, 601px\" \/>\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-70fc215 elementor-widget elementor-widget-text-editor\" data-id=\"70fc215\" 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>Groupe Plus<\/p><p>Conseil en financement immobilier<\/p><p>Lausanne<\/p><p><a href=\"https:\/\/plus-group.ch\/\" target=\"_blank\" rel=\"noopener\">plus-group.ch<\/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<div class=\"elementor-element elementor-element-92d2b3b e-con-full e-flex e-con e-child\" data-id=\"92d2b3b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e9d91a elementor-widget elementor-widget-image\" data-id=\"2e9d91a\" 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=\"601\" height=\"181\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/TopHypo.webp\" class=\"attachment-large size-large wp-image-18623\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/TopHypo.webp 601w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/TopHypo-300x90.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/TopHypo-18x5.png 18w\" sizes=\"(max-width: 601px) 100vw, 601px\" \/>\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-b7fdb21 elementor-widget elementor-widget-text-editor\" data-id=\"b7fdb21\" 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>topHYPO AG<\/p>\n<p style=\"letter-spacing: 0.8px;\">Conseil en financement immobilier<\/p>\n<p><span style=\"font-family: var( --e-global-typography-92c2e5c-font-family ), Sans-serif; font-size: var( --e-global-typography-92c2e5c-font-size ); font-weight: var( --e-global-typography-92c2e5c-font-weight ); text-align: var(--text-align); color: var( --e-global-color-text ); letter-spacing: var( --e-global-typography-5154eff-letter-spacing );\">Berne<\/span><\/p>\n<p><a href=\"https:\/\/www.tophypo.ch\/\" target=\"_blank\" rel=\"noopener\">tophypo.ch<\/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\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>Home Financement Comprendre les r\u00e8gles de financement R\u00e8gle 1 &#8211; Fonds propres Mise en gage Frais d&rsquo;achat Hypoth\u00e8ques = 80% Amortissement et \u00e2ge Hypoth\u00e8ques &gt; 80% R\u00e8gle 2 &#8211; Tenue des charges Charges th\u00e9oriques Diff\u00e9rences entre banques \u00c2ge des propri\u00e9taires Changer de banque? Augmentation de la valeur du bien Regel 1 \u2013 Eigenmittel Verpf\u00e4ndung Kaufnebenkosten [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":18809,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[33],"tags":[],"class_list":["post-18200","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\/18200","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=18200"}],"version-history":[{"count":383,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/posts\/18200\/revisions"}],"predecessor-version":[{"id":22208,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/posts\/18200\/revisions\/22208"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/media\/18809"}],"wp:attachment":[{"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/media?parent=18200"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/categories?post=18200"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/tags?post=18200"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}