{"id":18914,"date":"2025-03-06T17:11:04","date_gmt":"2025-03-06T16:11:04","guid":{"rendered":"https:\/\/www.metamorphouse.ch\/?p=18914"},"modified":"2026-03-16T16:51:56","modified_gmt":"2026-03-16T15:51:56","slug":"eine-hausteilung-finanzieren","status":"publish","type":"post","link":"https:\/\/www.metamorphouse.ch\/de\/financer-une-subdivision\/","title":{"rendered":"Finanzierung einer Hausteilung"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"18914\" class=\"elementor elementor-18914\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f947ef9 e-flex e-con-boxed e-con e-parent\" data-id=\"f947ef9\" 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-6dec912 elementor-fixed elementor-hidden-mobile elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"6dec912\" 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-fd3f22d e-con-full e-flex e-con e-child\" data-id=\"fd3f22d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f43374 elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6f43374\" 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\">Financer la subdivision d'une villa\u200b<\/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-26e9404 e-con-full e-flex e-con e-child\" data-id=\"26e9404\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c97ed7e report-video elementor-widget__width-inherit elementor-widget elementor-widget-html\" data-id=\"c97ed7e\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"eine-hausteilung-finanzieren\" 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\/1064309298?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-bd0082a elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"bd0082a\" 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=\"#eine-hausteilung-finanzieren\" data-timestamp=\"22\">Anzahl Wohnungen<\/a><\/strong><\/li><li><a class=\"video-link\" href=\"#eine-hausteilung-finanzieren\" data-timestamp=\"31\">Marktwert<\/a><\/li><li><a class=\"video-link\" href=\"#eine-hausteilung-finanzieren\" data-timestamp=\"38\">Ertragswert<\/a><\/li><li><a class=\"video-link\" href=\"#eine-hausteilung-finanzieren\" data-timestamp=\"81\">Nachhaltige Mieteinnahmen<\/a><\/li><li><a class=\"video-link\" href=\"#eine-hausteilung-finanzieren\" data-timestamp=\"110\">Berechnung des Ertragswerts<\/a><\/li><li><a class=\"video-link\" href=\"#eine-hausteilung-finanzieren\" data-timestamp=\"139\">Markt- oder Ertragswert?<\/a><\/li><li><strong><a class=\"video-link\" href=\"#eine-hausteilung-finanzieren\" data-timestamp=\"164\">Verkaufen oder vermieten?<\/a><\/strong><\/li><li><a class=\"video-link\" href=\"#eine-hausteilung-finanzieren\" data-timestamp=\"207\">Nachteile von Stockwerkeigentum<\/a><\/li><li><a class=\"video-link\" href=\"#eine-hausteilung-finanzieren\" data-timestamp=\"231\">Ausbaustandard<\/a><\/li><li><a class=\"video-link\" href=\"#eine-hausteilung-finanzieren\" data-timestamp=\"250\">Fazit<\/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-6ffdee3 e-con-full e-flex e-con e-child\" data-id=\"6ffdee3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ef6d267 elementor-widget elementor-widget-heading\" data-id=\"ef6d267\" 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\">Financer la subdivision d'une villa<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a3201f 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=\"7a3201f\" 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__7a3201f\" 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__7a3201f\" 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__7a3201f\" 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-dd09489 e-con-full e-flex e-con e-child\" data-id=\"dd09489\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6c53f63 e-con-full e-flex e-con e-child\" data-id=\"6c53f63\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-41395f7 e-con-full e-flex e-con e-child\" data-id=\"41395f7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b7d360 elementor-widget elementor-widget-text-editor\" data-id=\"2b7d360\" 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 le financement d&rsquo;une subdivision, en plus des r\u00e8gles de base, deux \u00e9l\u00e9ments sont importants\u00a0: le nombre de logements cr\u00e9\u00e9s et la question de leur location ou de leur vente.<\/p><p>Ces deux facteurs influencent le montant du financement hypoth\u00e9caire et 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-6b0ab0f e-con-full e-flex e-con e-child\" data-id=\"6b0ab0f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-d0abac2 e-con-full e-flex e-con e-child\" data-id=\"d0abac2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-beea5b3 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"beea5b3\" 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\">Nombre de logements<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7ec7c5a e-con-full e-flex e-con e-child\" data-id=\"7ec7c5a\" 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-bc76e3e elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"bc76e3e\" 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-9b2406b elementor-widget__width-inherit elementor-widget-mobile__width-auto elementor-widget elementor-widget-html\" data-id=\"9b2406b\" 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=\"#eine-hausteilung-finanzieren\" data-timestamp=\"22\">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-fcc72c8 e-con-full e-flex e-con e-child\" data-id=\"fcc72c8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e6d2921 e-con-full e-flex e-con e-child\" data-id=\"e6d2921\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-04d274a elementor-widget elementor-widget-text-editor\" data-id=\"04d274a\" 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 les maisons individuelles, le nombre maximal de logements autoris\u00e9s peut \u00eatre fix\u00e9 par le r\u00e8glement et varier entre un, deux ou trois habitations.<\/p><p>Pour le financement, le nombre de logements affecte le calcul de la valeur immobili\u00e8re.<\/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-7a68393 elementor-widget elementor-widget-image\" data-id=\"7a68393\" 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 fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/nbre_lgmts-1024x576.webp\" class=\"attachment-large size-large wp-image-18966\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/nbre_lgmts-1024x576.webp 1024w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/nbre_lgmts-300x169.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/nbre_lgmts-768x432.webp 768w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/nbre_lgmts-1536x864.png 1536w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/nbre_lgmts-18x10.png 18w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/nbre_lgmts.webp 1920w\" 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>\n\t\t<div class=\"elementor-element elementor-element-19d6615 e-con-full e-flex e-con e-child\" data-id=\"19d6615\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c0f34cc e-con-full e-flex e-con e-child\" data-id=\"c0f34cc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f3ec057 e-con-full e-flex e-con e-child\" data-id=\"f3ec057\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52928ec elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"52928ec\" 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\">Valeur de march\u00e9<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8dcadf elementor-widget elementor-widget-image\" data-id=\"c8dcadf\" 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=\"800\" height=\"450\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/I3-FR-1024x576.webp\" class=\"attachment-large size-large wp-image-18986\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/I3-FR-1024x576.webp 1024w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/I3-FR-300x169.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/I3-FR-768x432.webp 768w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/I3-FR-1536x864.png 1536w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/I3-FR-18x10.png 18w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/I3-FR.webp 1920w\" 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-d05e76e elementor-widget elementor-widget-text-editor\" data-id=\"d05e76e\" 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>Jusqu\u2019\u00e0 deux logements par maison, les banques utilisent la valeur v\u00e9nale, qui est la valeur du bien sur le march\u00e9.<\/p><p>\u00c0 partir de trois logements, certaines banques se basent sur la valeur de rendement. Cette derni\u00e8re est g\u00e9n\u00e9ralement inf\u00e9rieure \u00e0 la valeur de march\u00e9.<\/p><p>Une valeur immobili\u00e8re plus \u00e9lev\u00e9e ou plus basse impacte le potentiel d\u2019endettement et le calcul de 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-ad8a185 e-con-full e-flex e-con e-child\" data-id=\"ad8a185\" 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-182780c elementor-widget elementor-widget-text-editor\" data-id=\"182780c\" 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>valeur de march\u00e9<\/strong> est bas\u00e9e sur les conditions r\u00e9elles du march\u00e9 \u00e0 un moment donn\u00e9. Elle refl\u00e8te le prix d\u2019un bien immobilier en fonction de sa situation, de son \u00e9tat d&rsquo;entretien, de son \u00e9quipement, des m2 r\u00e9alisables sur la parcelle, de l&rsquo;offre et de la demande, etc. On parle \u00e9galement de <strong>valeur v\u00e9nale<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9f1b1bd e-con-full e-flex e-con e-child\" data-id=\"9f1b1bd\" data-element_type=\"container\" data-e-type=\"container\" data-no-translation=\"\">\n\t\t<div class=\"elementor-element elementor-element-c229916 e-con-full e-flex e-con e-child\" data-id=\"c229916\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-909ead7 elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"909ead7\" 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-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\/tc-de-01.webp\" alt=\"Die Bewertung der Liegenschaft durch die Bank bestimmt die theoretischen Kosten. Diese legen das Mindesteinkommen fest, das f\u00fcr die Gew\u00e4hrleistung der Tragbarkeit gefordert wird.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Die Bewertung der Liegenschaft durch die Bank bestimmt die theoretischen Kosten. Diese legen das Mindesteinkommen fest, das f\u00fcr die Gew\u00e4hrleistung der Tragbarkeit gefordert wird.<\/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\/tc-de-02.webp\" alt=\"Sinkt der Liegenschaftswert, sinkt das geforderte Mindesteinkommen um den Faktor 3. Die Tragbarkeit ist mit einem geringeren Einkommen gew\u00e4hrleistet.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Sinkt der Liegenschaftswert, sinkt das geforderte Mindesteinkommen um den Faktor 3. Die Tragbarkeit ist mit einem geringeren Einkommen gew\u00e4hrleistet.<\/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\/tc-de-03.webp\" alt=\"Steigt der Liegenschaftswert, steigt das geforderte Mindesteinkommen um den Faktor 3. Die Tragbarkeit ist mit einem h\u00f6heren Einkommen gew\u00e4hrleistet.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Steigt der Liegenschaftswert, steigt das geforderte Mindesteinkommen um den Faktor 3. Die Tragbarkeit ist mit einem h\u00f6heren Einkommen gew\u00e4hrleistet.<\/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-0a472ee e-con-full e-flex e-con e-child\" data-id=\"0a472ee\" 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-bbf3c24 elementor-widget elementor-widget-text-editor\" data-id=\"bbf3c24\" 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>Eine Infokapsel zur Tragbarkeit ist in Vorbereitung!<\/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-591f62a e-con-full e-flex e-con e-child\" data-id=\"591f62a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c7d59f4 e-con-full e-flex e-con e-child\" data-id=\"c7d59f4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d36ede9 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"d36ede9\" 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\">Valeur de rendement<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54380a8 elementor-widget elementor-widget-text-editor\" data-id=\"54380a8\" 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 partir de 3 logements, certaines banques estiment la valeur du bien sur la base de la valeur de rendement : celle-ci est \u00e9tablie sur les revenus locatifs durables g\u00e9n\u00e9r\u00e9s par le bien.<\/p><p>Des facteurs comme l\u2019emplacement, l\u2019\u00e9tat et le niveau d\u2019\u00e9quipement sont pris en compte pour estimer le rendement attendu.<\/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-f75a92e e-con-full e-flex e-con e-child\" data-id=\"f75a92e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3f24438 e-con-full e-flex e-con e-child\" data-id=\"3f24438\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b4bcc37 e-con-full e-flex e-con e-child\" data-id=\"b4bcc37\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9418283 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"9418283\" 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\">Revenu locatif durable<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10e8966 elementor-widget elementor-widget-text-editor\" data-id=\"10e8966\" 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 que les revenus locatifs soient consid\u00e9r\u00e9s comme durables, certaines conditions doivent \u00eatre remplies. Le logement doit disposer d\u2019une entr\u00e9e s\u00e9par\u00e9e, d\u2019une cuisine et d\u2019une salle de bain ind\u00e9pendantes.<\/p><p>Si seules des chambres individuelles sont lou\u00e9es, les banques ne les consid\u00e8rent pas n\u00e9cessairement comme un revenu stable, car une location continue et annuelle peut \u00eatre difficile \u00e0 maintenir.<\/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-48cf772 e-con-full e-flex e-con e-child\" data-id=\"48cf772\" 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-eeb0f34 e-con-full e-flex e-con e-child\" data-id=\"eeb0f34\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7b6766b e-con-full e-flex e-con e-child\" data-id=\"7b6766b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a44c7d elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"7a44c7d\" 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\">Valeur de march\u00e9 ou valeur de rendement ?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9a3cd7 elementor-widget elementor-widget-text-editor\" data-id=\"b9a3cd7\" 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 d\u00e9cision sur le nombre de logements \u00e0 cr\u00e9er ne doit pas \u00eatre prise uniquement en fonction de la m\u00e9thode d\u2019\u00e9valuation de la valeur du bien.<\/p><p>Chaque cas doit \u00eatre analys\u00e9 individuellement\u00a0: un avantage pour un propri\u00e9taire peut \u00eatre un inconv\u00e9nient pour un 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-f5f7fa6 e-con-full e-flex e-con e-child\" data-id=\"f5f7fa6\" 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-41a8e68 e-con-full e-flex e-con e-child\" data-id=\"41a8e68\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9b0f0c3 e-con-full e-flex e-con e-child\" data-id=\"9b0f0c3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a63ffaf elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"a63ffaf\" 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\">Synth\u00e8se<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7c0d71 elementor-widget elementor-widget-text-editor\" data-id=\"b7c0d71\" 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 valeur immobili\u00e8re plus \u00e9lev\u00e9e permet un financement hypoth\u00e9caire plus important, mais peut compromettre la tenue des charges en raison de charges th\u00e9oriques plus \u00e9lev\u00e9es.<\/p><p>Une valorisation plus basse peut compliquer le financement, mais am\u00e9liorer la tenue des charges gr\u00e2ce aux charges th\u00e9oriques r\u00e9duites.<\/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-0409b22 e-con-full e-flex e-con e-child\" data-id=\"0409b22\" 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-20e4ee6 e-con-full e-flex e-con e-child\" data-id=\"20e4ee6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70c60c1 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"70c60c1\" 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\">Louer ou vendre ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fa30c9c e-con-full e-flex e-con e-child\" data-id=\"fa30c9c\" 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-09cef71 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"09cef71\" 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-52156b4 elementor-widget__width-inherit elementor-widget-mobile__width-auto elementor-widget elementor-widget-html\" data-id=\"52156b4\" 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=\"#eine-hausteilung-finanzieren\" data-timestamp=\"164\">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-5a617af e-con-full e-flex e-con e-child\" data-id=\"5a617af\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-dd59ef0 e-con-full e-flex e-con e-child\" data-id=\"dd59ef0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0db4bb0 e-con-full e-flex e-con e-child\" data-id=\"0db4bb0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c250d22 elementor-widget elementor-widget-text-editor\" data-id=\"c250d22\" 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 une maison peut \u00eatre divis\u00e9e en plusieurs logements, deux options se pr\u00e9sentent&nbsp;:\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-b72ae9b elementor-widget elementor-widget-text-editor\" data-id=\"b72ae9b\" 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 \t<li>Louer les habitations pour g\u00e9n\u00e9rer des revenus r\u00e9guliers. Les revenus locatifs peuvent avoir un effet positif sur la tenue des charges&nbsp;;<\/li>\n \t<li>Diviser le bien en copropri\u00e9t\u00e9 et vendre les lots. La vente g\u00e9n\u00e8re un capital imm\u00e9diat. Elle r\u00e9duit la valeur du bien pour le propri\u00e9taire vendeur, mais diminue aussi ses charges th\u00e9oriques, ce qui peut \u00eatre avantageux pour la tenue des charges \u00e0 la retraite.<\/li>\n<\/ul>\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-09b0d42 e-con-full e-flex e-con e-child\" data-id=\"09b0d42\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-66716bb e-con-full e-flex e-con e-child\" data-id=\"66716bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1b96799 e-con-full e-flex e-con e-child\" data-id=\"1b96799\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9bec8dc elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"9bec8dc\" 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\">Enjeux de la propri\u00e9t\u00e9 par \u00e9tage<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62a805c elementor-widget elementor-widget-text-editor\" data-id=\"62a805c\" 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\u2019une copropri\u00e9t\u00e9 n\u2019est pas toujours id\u00e9ale. Elle entra\u00eene des co\u00fbts suppl\u00e9mentaires et une perte de contr\u00f4le sur la maison.<\/p><p>Les propri\u00e9taires habitu\u00e9s \u00e0 vivre en maison individuelle doivent anticiper une nouvelle dynamique avec plusieurs copropri\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-2adc449 e-con-full e-flex e-con e-child\" data-id=\"2adc449\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4392327 e-con-full e-flex e-con e-child\" data-id=\"4392327\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5bda2b1 e-con-full e-flex e-con e-child\" data-id=\"5bda2b1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11b78a1 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"11b78a1\" 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\">Qualit\u00e9 des finitions<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28aa70c elementor-widget elementor-widget-text-editor\" data-id=\"28aa70c\" 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 choix entre vente et location influence les exigences de r\u00e9novation. Une distinction est parfois faite entre un \u00ab\u00a0standard locatif\u00a0\u00bb et un \u00ab\u00a0standard propri\u00e9taire\u00a0\u00bb.<\/p><p>Li\u00e9s davantage \u00e0 leur bien, les acheteurs peuvent accorder plus d\u2019importance \u00e0 la qualit\u00e9 des am\u00e9nagements et \u00e9quipements.<\/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-9390d75 e-con-full e-flex e-con e-child\" data-id=\"9390d75\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1d600b4 e-con-full e-flex e-con e-child\" data-id=\"1d600b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f69d2d6 e-con-full e-flex e-con e-child\" data-id=\"f69d2d6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2626179 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"2626179\" 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\">Synth\u00e8se<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ae6ff3 elementor-widget elementor-widget-text-editor\" data-id=\"4ae6ff3\" 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 location permet de garder le contr\u00f4le du bien et de b\u00e9n\u00e9ficier de revenus r\u00e9guliers, mais maintient une valeur immobili\u00e8re \u00e9lev\u00e9e, affectant potentiellement la tenue des charges.<\/p><p>La vente g\u00e9n\u00e8re des liquidit\u00e9s, r\u00e9duit l\u2019hypoth\u00e8que et les charges, am\u00e9liorant la tenue des charges. Cependant, elle entra\u00eene une perte de d\u00e9cision sur le bien.<\/p><p>Ainsi, chaque sc\u00e9nario doit \u00eatre \u00e9tudi\u00e9 avec soin pour \u00e9valuer les impacts de chaque option.<\/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-e072abb e-con-full e-flex e-con e-child\" data-id=\"e072abb\" 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-87afd1b e-con-full e-flex e-con e-child\" data-id=\"87afd1b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73251e7 elementor-widget__width-initial elementor-widget elementor-widget-template\" data-id=\"73251e7\" 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-04f0fbe elementor-widget__width-initial elementor-widget elementor-widget-template\" data-id=\"04f0fbe\" 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 loading=\"lazy\" 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 Financer la subdivision d&rsquo;une villa\u200b Nombre de logements Valeur de march\u00e9 Valeur de rendement Revenu locatif durable Calcul de la valeur de rendement Valeur de march\u00e9 ou de rendement ? Vendre ou louer ? Enjeux de la PPE Qualit\u00e9 des finitions Conclusion Anzahl Wohnungen Marktwert Ertragswert Nachhaltige Mieteinnahmen Berechnung des Ertragswerts Markt- oder [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-18914","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/posts\/18914","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=18914"}],"version-history":[{"count":190,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/posts\/18914\/revisions"}],"predecessor-version":[{"id":21871,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/posts\/18914\/revisions\/21871"}],"wp:attachment":[{"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/media?parent=18914"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/categories?post=18914"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/tags?post=18914"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}