{"id":19123,"date":"2025-03-13T14:00:06","date_gmt":"2025-03-13T13:00:06","guid":{"rendered":"https:\/\/www.metamorphouse.ch\/?p=19123"},"modified":"2025-10-16T12:45:52","modified_gmt":"2025-10-16T11:45:52","slug":"finanzierung","status":"publish","type":"post","link":"https:\/\/www.metamorphouse.ch\/de\/financement\/","title":{"rendered":"Die Finanzierung"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"19123\" class=\"elementor elementor-19123\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e6850a e-flex e-con-boxed e-con e-parent\" data-id=\"3e6850a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7a35db2 e-con-full e-flex e-con e-child\" data-id=\"7a35db2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<a class=\"elementor-element elementor-element-f46f819 e-con-full no-link e-flex e-con e-child\" data-id=\"f46f819\" data-element_type=\"container\" data-e-type=\"container\" href=\"https:\/\/www.metamorphouse.ch\/de\/la-subdivision-coute-et-rapporte\/\">\n\t\t<div class=\"elementor-element elementor-element-142f437 e-con-full e-flex e-con e-child\" data-id=\"142f437\" 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-a2c854e elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"a2c854e\" 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 elementor-animation-grow\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-play\"><\/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-f009b01 e-con-full e-flex e-con e-child\" data-id=\"f009b01\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f05bd31 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"f05bd31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">La subdivision co\u00fbte\u2026 et rapporte&#8238;!<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-ebec290 e-con-full no-link e-flex e-con e-child\" data-id=\"ebec290\" data-element_type=\"container\" data-e-type=\"container\" href=\"https:\/\/www.metamorphouse.ch\/de\/regles-financement\/\">\n\t\t<div class=\"elementor-element elementor-element-87fa9a5 e-con-full e-flex e-con e-child\" data-id=\"87fa9a5\" 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-888e15c elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"888e15c\" 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 elementor-animation-grow\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-play\"><\/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-d8243ba e-con-full e-flex e-con e-child\" data-id=\"d8243ba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f68ae34 elementor-widget elementor-widget-heading\" data-id=\"f68ae34\" 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\">Comprendre les r\u00e8gles de financement<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-a925e31 e-con-full no-link e-flex e-con e-child\" data-id=\"a925e31\" data-element_type=\"container\" data-e-type=\"container\" href=\"https:\/\/www.metamorphouse.ch\/de\/poser-les-bases-du-financement\/\">\n\t\t<div class=\"elementor-element elementor-element-4281927 e-con-full e-flex e-con e-child\" data-id=\"4281927\" 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-4be3a81 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"4be3a81\" 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 elementor-animation-grow\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-play\"><\/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-b5e9d2d e-con-full e-flex e-con e-child\" data-id=\"b5e9d2d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1c4231 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"a1c4231\" 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\">Poser les bases du financement<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-aaa9e70 e-con-full no-link e-flex e-con e-child\" data-id=\"aaa9e70\" data-element_type=\"container\" data-e-type=\"container\" href=\"https:\/\/www.metamorphouse.ch\/de\/financer-une-subdivision\/\">\n\t\t<div class=\"elementor-element elementor-element-1978048 e-con-full e-flex e-con e-child\" data-id=\"1978048\" 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-70f6a78 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"70f6a78\" 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 elementor-animation-grow\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-play\"><\/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-843005d e-con-full e-flex e-con e-child\" data-id=\"843005d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bff9909 elementor-widget elementor-widget-heading\" data-id=\"bff9909\" 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\">Financer la subdivision d'une villa\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-9eeb110 e-con-full no-link e-flex e-con e-child\" data-id=\"9eeb110\" data-element_type=\"container\" data-e-type=\"container\" href=\"https:\/\/www.metamorphouse.ch\/de\/comptabiliser-le-loyer\/\">\n\t\t<div class=\"elementor-element elementor-element-646d67e e-con-full e-flex e-con e-child\" data-id=\"646d67e\" 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-991b96c elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"991b96c\" 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 elementor-animation-grow\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-play\"><\/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-c5c0227 e-con-full e-flex e-con e-child\" data-id=\"c5c0227\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-082b54a elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"082b54a\" 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\">Comptabiliser le loyer<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-8c61f99 e-con-full no-link e-flex e-con e-child\" data-id=\"8c61f99\" data-element_type=\"container\" data-e-type=\"container\" href=\"https:\/\/www.metamorphouse.ch\/de\/couts-benefices\/\">\n\t\t<div class=\"elementor-element elementor-element-6752eb2 e-con-full e-flex e-con e-child\" data-id=\"6752eb2\" 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-d843d46 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"d843d46\" 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 elementor-animation-grow\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-play\"><\/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-2ff4e52 e-con-full e-flex e-con e-child\" data-id=\"2ff4e52\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-47eb056 elementor-widget elementor-widget-heading\" data-id=\"47eb056\" 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\">Analyse co\u00fbts-b\u00e9n\u00e9fices de la subdivision d\u2019une villa\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e234f3e elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"e234f3e\" 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\">Le financement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9faa34e elementor-pagination-type-bullets elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-n-carousel\" data-id=\"9faa34e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;carousel_items&quot;:[{&quot;slide_title&quot;:&quot;Diapositive N\\u00b01&quot;,&quot;_id&quot;:&quot;f1ec673&quot;},{&quot;slide_title&quot;:&quot;Diapositive N\\u00b02&quot;,&quot;_id&quot;:&quot;a2c52a5&quot;},{&quot;slide_title&quot;:&quot;Diapositive N\\u00b03&quot;,&quot;_id&quot;:&quot;09718ba&quot;},{&quot;slide_title&quot;:&quot;Diapositive N\\u00b04&quot;,&quot;_id&quot;:&quot;1d41a55&quot;},{&quot;slide_title&quot;:&quot;Diapositive N\\u00b05&quot;,&quot;_id&quot;:&quot;28b6198&quot;},{&quot;slide_title&quot;:&quot;Diapositive N\\u00b06&quot;,&quot;_id&quot;:&quot;ff755b0&quot;},{&quot;slide_title&quot;:&quot;Diapositive N\\u00b07&quot;,&quot;_id&quot;:&quot;ed7e59c&quot;},{&quot;slide_title&quot;:&quot;Diapositive N\\u00b08&quot;,&quot;_id&quot;:&quot;3e1aff1&quot;}],&quot;slides_to_show&quot;:&quot;1&quot;,&quot;slides_to_show_tablet&quot;:&quot;2&quot;,&quot;slides_to_show_mobile&quot;:&quot;1&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;speed&quot;:500,&quot;offset_sides&quot;:&quot;none&quot;,&quot;arrows&quot;:&quot;yes&quot;,&quot;pagination&quot;:&quot;bullets&quot;,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;image_spacing_custom_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-carousel swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carousel\" dir=\"ltr\">\n\t\t\t<div class=\"swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"1\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 sur 8\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c6ef57f e-flex e-con-boxed e-con e-child\" data-id=\"c6ef57f\" 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-2c9796e elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"2c9796e\" 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-quote-left\"><\/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-0e2e6fc elementor-widget elementor-widget-text-editor\" data-id=\"0e2e6fc\" 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\u00ab&nbsp;Nous avons fait de grands efforts pour amortir l\u2019hypoth\u00e8que au fil des ann\u00e9es. Nous n\u2019allons quand m\u00eame pas l\u2019augmenter maintenant alors que nous sommes proche de la retraite&nbsp;!&nbsp;\u00bb\t\t\t\t\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\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"2\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 sur 8\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2903381 e-flex e-con-boxed e-con e-child\" data-id=\"2903381\" 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-212e380 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"212e380\" 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-quote-left\"><\/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-2f75ae4 elementor-widget elementor-widget-text-editor\" data-id=\"2f75ae4\" 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\u00ab&nbsp;De toute fa\u00e7on, \u00e0 la retraite, aucune banque ne nous pr\u00eatera de l\u2019argent&nbsp;!&nbsp;\u00bb\t\t\t\t\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\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"3\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 sur 8\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ceb4eb8 e-flex e-con-boxed e-con e-child\" data-id=\"ceb4eb8\" 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-0bc9ffd elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"0bc9ffd\" 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-quote-left\"><\/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-6aa8835 elementor-widget elementor-widget-text-editor\" data-id=\"6aa8835\" 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\u00ab&nbsp;Nous avons d\u00e9j\u00e0 du mal \u00e0 financer une r\u00e9novation \u00e9nerg\u00e9tique, alors des grands travaux de r\u00e9novation, n\u2019en parlons pas&nbsp;!&nbsp;\u00bb\t\t\t\t\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\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"4\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"4 sur 8\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cdbb2b5 e-flex e-con-boxed e-con e-child\" data-id=\"cdbb2b5\" 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-3a5f233 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"3a5f233\" 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-quote-left\"><\/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-04e8cfe elementor-widget elementor-widget-text-editor\" data-id=\"04e8cfe\" 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\u00ab&nbsp;Notre tenue des charges est d\u00e9j\u00e0 tr\u00e8s tendue. Comment pourrions-nous encore contracter une hypoth\u00e8que dans ces conditions&nbsp;?&nbsp;\u00bb\t\t\t\t\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\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"5\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"5 sur 8\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b4572f1 e-flex e-con-boxed e-con e-child\" data-id=\"b4572f1\" 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-564e1dc elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"564e1dc\" 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-quote-left\"><\/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-13e5c9e elementor-widget elementor-widget-text-editor\" data-id=\"13e5c9e\" 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\u00ab&nbsp;J\u2019ai discut\u00e9 avec ma banque qui a financ\u00e9 ma maison. Elle ne soutient pas mon projet.&nbsp;\u00bb\n\t\t\t\t\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\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"6\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"6 sur 8\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f01fdf6 e-flex e-con-boxed e-con e-child\" data-id=\"f01fdf6\" 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-5e702d7 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5e702d7\" 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-quote-left\"><\/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-34ed8f3 elementor-widget elementor-widget-text-editor\" data-id=\"34ed8f3\" 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>\u00ab Nous avons une petite retraite parce que nous avons financ\u00e9 notre maison avec des fonds du 2\u1d49 pilier. Dans cette situation, comment pourrions-nous encore investir dans un logement suppl\u00e9mentaire ? \u00bb<\/p>\t\t\t\t\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\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"7\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"7 sur 8\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b8fa85a e-flex e-con-boxed e-con e-child\" data-id=\"b8fa85a\" 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-502f89b elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"502f89b\" 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-quote-left\"><\/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-d1df467 elementor-widget elementor-widget-text-editor\" data-id=\"d1df467\" 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\u00ab&nbsp;Notre propri\u00e9t\u00e9 a pris beaucoup de valeur. Le probl\u00e8me n\u2019est qu\u2019aucun de nos enfants n\u2019est financi\u00e8rement en mesure de la reprendre un jour. C\u2019est pourquoi nous ne voulons plus investir dans le bien.&nbsp;\u00bb\t\t\t\t\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\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"8\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"8 sur 8\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21501d4 e-flex e-con-boxed e-con e-child\" data-id=\"21501d4\" 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-234b13a elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"234b13a\" 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-quote-left\"><\/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-f425b7e elementor-widget elementor-widget-text-editor\" data-id=\"f425b7e\" 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\u00ab&nbsp;Depuis la retraite, nous vivons avec un revenu modeste. La valeur de notre maison a certes consid\u00e9rablement augment\u00e9, mais nous ne pouvons pas nous permettre de grands travaux.&nbsp;\u00bb\t\t\t\t\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\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Pr\u00e9c\u00e9dent\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t<\/div>\n\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Suivant\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t<\/div>\n\t\t\t\t\t<div class=\"swiper-pagination\"><\/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-6de1500 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6de1500\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLa transformation de la maison existante en plusieurs logements n\u2019est pas l&rsquo;affaire d&rsquo;un week-end, mais une transformation profonde n\u00e9cessitant un investissement important. Les questions financi\u00e8res occupent donc une place centrale&nbsp;:\n<ul>\n \t<li>Que va me co\u00fbter ce projet&nbsp;?<\/li>\n \t<li>Que va-t-il m\u2019apporter&nbsp;?<\/li>\n \t<li>Comment le financer&nbsp;?<\/li>\n \t<li>Comment obtenir un financement&nbsp;?<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2aada0 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e2aada0\" 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>Contrairement \u00e0 un projet de modernisation ou d\u2019assainissement de la maison existante, o\u00f9 les co\u00fbts de construction servent essentiellement \u00e0 am\u00e9liorer le confort, la subdivision repr\u00e9sente un investissement capable de g\u00e9n\u00e9rer des revenus suppl\u00e9mentaires (tout en augmentant le confort).<\/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-5acef3a elementor-pagination-type-bullets elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-n-carousel\" data-id=\"5acef3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;carousel_items&quot;:[{&quot;slide_title&quot;:&quot;Diapositive N\\u00b01&quot;,&quot;_id&quot;:&quot;f1ec673&quot;},{&quot;slide_title&quot;:&quot;Diapositive N\\u00b02&quot;,&quot;_id&quot;:&quot;79e1e92&quot;}],&quot;slides_to_show&quot;:&quot;1&quot;,&quot;slides_to_show_tablet&quot;:&quot;2&quot;,&quot;slides_to_show_mobile&quot;:&quot;1&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;speed&quot;:500,&quot;offset_sides&quot;:&quot;none&quot;,&quot;arrows&quot;:&quot;yes&quot;,&quot;pagination&quot;:&quot;bullets&quot;,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;image_spacing_custom_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-carousel swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carousel\" dir=\"ltr\">\n\t\t\t<div class=\"swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"1\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 sur 2\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6e94e9d e-flex e-con-boxed e-con e-child\" data-id=\"6e94e9d\" 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-5d1b28d elementor-widget elementor-widget-heading\" data-id=\"5d1b28d\" 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\">Combien co\u00fbte un projet de subdivision&nbsp;?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf7efb1 elementor-widget elementor-widget-text-editor\" data-id=\"bf7efb1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Les co\u00fbts de construction<\/strong> sont au c\u0153ur des questions de financement. Chaque projet est unique et r\u00e9alis\u00e9 dans un contexte sp\u00e9cifique, variant selon l\u2019\u00e9tat du bien existant, l\u2019\u00e9tendue des travaux et les attentes des ma\u00eetres d\u2019ouvrage. Il n\u2019est donc pas possible de formuler une r\u00e9ponse g\u00e9n\u00e9rale valable. Il est plus int\u00e9ressant de reformuler la question <strong>\u00ab\u00a0Combien co\u00fbte un projet de subdivision\u00a0?\u00a0\u00bb<\/strong> en <strong>\u00ab\u00a0Combien le projet peut\/doit-il me co\u00fbter\u00a0?\u00a0\u00bb<\/strong> Les co\u00fbts de construction ne sont pas le point de d\u00e9part, mais le r\u00e9sultat de l\u2019analyse co\u00fbts-b\u00e9n\u00e9fices, des conditions de financement et des revenus suppl\u00e9mentaires potentiels.<\/p>\t\t\t\t\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\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"2\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 sur 2\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-597c037 e-flex e-con-boxed e-con e-child\" data-id=\"597c037\" 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-423e974 elementor-widget elementor-widget-heading\" data-id=\"423e974\" 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\">Combien le projet peut-il\/doit-il me co\u00fbter&nbsp;?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9175151 elementor-widget elementor-widget-text-editor\" data-id=\"9175151\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Les co\u00fbts de construction supportables<\/strong> sont d\u00e9termin\u00e9s par les conditions de financement et les revenus potentiels du logement suppl\u00e9mentaire. Ils forment la base du projet architectural. Il n&rsquo;est pas n\u00e9cessaire de disposer d&rsquo;un projet architectural d\u00e9taill\u00e9 pour d\u00e9terminer le cadre budg\u00e9taire. Une \u00e9tude de faisabilit\u00e9 permet de v\u00e9rifier sch\u00e9matiquement si la maison peut \u00eatre divis\u00e9e en plusieurs logements. Apr\u00e8s avoir clarifi\u00e9 les sc\u00e9narios d&rsquo;habitation, le profil des futurs r\u00e9sidents, les revenus r\u00e9alistes et le financement des travaux, le projet architectural peut \u00eatre \u00e9labor\u00e9.<\/p>\t\t\t\t\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\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Pr\u00e9c\u00e9dent\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t<\/div>\n\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Suivant\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t<\/div>\n\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b79936e e-con-full e-flex e-con e-child\" data-id=\"b79936e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1efc318 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"1efc318\" 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\"><a href=\"https:\/\/www.metamorphouse.ch\/de\/la-subdivision-coute-et-rapporte\/\">La subdivision co\u00fbte\u2026 et rapporte&#8239;!<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9ed74c6 e-con-full e-flex e-con e-child\" data-id=\"9ed74c6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b0dc2c6 e-con-full e-flex e-con e-child\" data-id=\"b0dc2c6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9aad356 elementor-widget elementor-widget-text-editor\" data-id=\"9aad356\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tUne <a href=\"https:\/\/www.metamorphouse.ch\/la-subdivision-coute-et-rapporte\/\">subdivision<\/a> repr\u00e9sente un co\u00fbt, mais elle g\u00e9n\u00e8re aussi des b\u00e9n\u00e9fices. La mise en location du nouveau logement apporte un revenu qui peut couvrir les travaux et rendre le projet possible, m\u00eame lorsque la situation financi\u00e8re des propri\u00e9taires est tendue. Mieux encore\u202f: la <a href=\"https:\/\/www.metamorphouse.ch\/la-subdivision-coute-et-rapporte\/\">subdivision<\/a> est une opportunit\u00e9 pour financer une r\u00e9novation \u00e9nerg\u00e9tique ainsi que les travaux n\u00e9cessaires pour conserver la valeur de la maison et pour pouvoir y vieillir sereinement.\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-988d0e3 elementor-widget elementor-widget-text-editor\" data-id=\"988d0e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLa <a href=\"https:\/\/www.metamorphouse.ch\/la-subdivision-coute-et-rapporte\/\">subdivision<\/a> constitue une piste \u00e0 envisager dans une situation financi\u00e8re tendue, par exemple en cas de baisse de revenus \u00e0 la retraite et de charges difficiles \u00e0 assumer. Elle offre une alternative \u00e0 la vente, parfois consid\u00e9r\u00e9e comme in\u00e9vitable lorsque les revenus sont insuffisants, qu\u2019une partie du 2\u1d49 pilier est investie dans la maison et que les liquidit\u00e9s manquent.\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-ee59577 elementor-widget elementor-widget-text-editor\" data-id=\"ee59577\" 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\tTransformer une maison en plusieurs logements permet \u00e9galement de tirer parti de sa valorisation sans devoir la c\u00e9der. Cette solution prend tout son sens lors d\u2019une succession&#8239;: si aucun enfant ne dispose des moyens n\u00e9cessaires pour reprendre seul la maison familiale, la cr\u00e9ation de deux logements ouvre de nouvelles perspectives.\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-a608c9e e-con-full e-flex e-con e-child\" data-id=\"a608c9e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<a class=\"elementor-element elementor-element-f5a8598 e-con-full e-flex e-con e-child\" data-id=\"f5a8598\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/www.metamorphouse.ch\/de\/la-subdivision-coute-et-rapporte\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ef0aef7 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"ef0aef7\" 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 elementor-animation-grow\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-play\"><\/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<\/a>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e122f0 elementor-widget elementor-widget-text-editor\" data-id=\"9e122f0\" 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\tBernhard Stoll, Selina Lehner, \nPhilippe Thalmann, Diego Seoane,\nJessica Thibaud, Stefan Marthaler\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-821609d e-con-full e-flex e-con e-child\" data-id=\"821609d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a800ae4 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"a800ae4\" 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\"><a href=\"https:\/\/www.metamorphouse.ch\/de\/regles-financement\/\">Quelles sont les r\u00e8gles du financement d'un projet&nbsp;?<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a807910 e-con-full e-flex e-con e-child\" data-id=\"a807910\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-def0adb e-con-full e-flex e-con e-child\" data-id=\"def0adb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-59fb9e5 elementor-widget elementor-widget-text-editor\" data-id=\"59fb9e5\" 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 financement couvre les co\u00fbts de transformation. Les fonds propres (liquides ou non) et les hypoth\u00e8ques en sont les principales sources. <a href=\"https:\/\/www.metamorphouse.ch\/regles-financement\/\">Comprendre les r\u00e8gles du financement<\/a> explique les r\u00e8gles qui r\u00e9gissent la relation entre fonds propres, hypoth\u00e8ques, co\u00fbts de financement et revenus et qui d\u00e9terminent la viabilit\u00e9 financi\u00e8re du projet.<\/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-e11b54c e-con-full e-flex e-con e-child\" data-id=\"e11b54c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<a class=\"elementor-element elementor-element-545d37d e-con-full e-flex e-con e-child\" data-id=\"545d37d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/www.metamorphouse.ch\/de\/regles-financement\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-acc4b23 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"acc4b23\" 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 elementor-animation-grow\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-play\"><\/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<\/a>\n\t\t\t\t<div class=\"elementor-element elementor-element-e28aa63 elementor-widget elementor-widget-text-editor\" data-id=\"e28aa63\" 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><span style=\"letter-spacing: 0.8px;\">Diego Seoane &amp;\u00a0<\/span>Bel\u00e9n Merelas<\/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-9de788b e-con-full e-flex e-con e-child\" data-id=\"9de788b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b106fae elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"b106fae\" 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\"><a href=\"https:\/\/www.metamorphouse.ch\/de\/poser-les-bases-du-financement\/\">Comment poser les bases du financement&#8239;?<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fc0d75a e-con-full e-flex e-con e-child\" data-id=\"fc0d75a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5166063 e-con-full e-flex e-con e-child\" data-id=\"5166063\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ec995a elementor-widget elementor-widget-text-editor\" data-id=\"7ec995a\" 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>Avant de se lancer dans un projet de transformation d\u2019une villa en plusieurs logements, il est essentiel de poser les bases du financement, en \u00e9quilibrant revenus locatifs futurs et capacit\u00e9 d\u2019endettement. Le processus est it\u00e9ratif : une premi\u00e8re estimation des co\u00fbts et des revenus permet de fixer un cadre, qui est ensuite ajust\u00e9 durant le d\u00e9veloppement du projet.<\/p><p><a href=\"https:\/\/www.metamorphouse.ch\/poser-les-bases-du-financement\/\">Poser les bases du financement<\/a> explique pourquoi il faut comparer plusieurs \u00e9tablissements financiers, car chacun peut avoir des crit\u00e8res de financement diff\u00e9rents. Faire appel \u00e0 un expert permet de gagner du temps et d\u2019\u00e9largir les possibilit\u00e9s, notamment en acc\u00e9dant \u00e0 des banques moins connues mais plus flexibles.<\/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-0c5d7c4 e-con-full e-flex e-con e-child\" data-id=\"0c5d7c4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<a class=\"elementor-element elementor-element-0341ce3 e-con-full e-flex e-con e-child\" data-id=\"0341ce3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/www.metamorphouse.ch\/de\/poser-les-bases-du-financement\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f32cbd3 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"f32cbd3\" 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 elementor-animation-grow\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-play\"><\/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<\/a>\n\t\t\t\t<div class=\"elementor-element elementor-element-2594903 elementor-widget elementor-widget-text-editor\" data-id=\"2594903\" 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>Stefan Marthaler,\u00a0 Marc Loner &amp; Diego Seoane<\/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-a6b1f5d e-con-full e-flex e-con e-child\" data-id=\"a6b1f5d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-700fa26 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"700fa26\" 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\"><a href=\"https:\/\/www.metamorphouse.ch\/de\/financer-une-subdivision\/\">Quelles sont les sp\u00e9cificit\u00e9 du financement d'une subdivision&nbsp;?<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-646b236 e-con-full e-flex e-con e-child\" data-id=\"646b236\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-71aaeac e-con-full e-flex e-con e-child\" data-id=\"71aaeac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e8bf4d elementor-widget elementor-widget-text-editor\" data-id=\"7e8bf4d\" 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 financement diff\u00e8re de celle d&rsquo;une r\u00e9novation classique. Des logements suppl\u00e9mentaires sont cr\u00e9\u00e9s, il seront vendus ou lou\u00e9s. <a href=\"https:\/\/www.metamorphouse.ch\/financer-une-subdivision\/\">Financer une subdivision<\/a> explique comment le nombre de logements et leur mode d\u2019exploitation (location\/vente) influencent la valeur du bien 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-fb1cd5e e-con-full e-flex e-con e-child\" data-id=\"fb1cd5e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<a class=\"elementor-element elementor-element-b2c2f06 e-con-full e-flex e-con e-child\" data-id=\"b2c2f06\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/www.metamorphouse.ch\/de\/financer-une-subdivision\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae2751c elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"ae2751c\" 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 elementor-animation-grow\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-play\"><\/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<\/a>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b3cb8e elementor-widget elementor-widget-text-editor\" data-id=\"6b3cb8e\" 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>Bernhard Stoll, Fr\u00e9d\u00e9ric Bulliard &amp; Stefan Marthaler<\/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-0fbaa51 e-con-full e-flex e-con e-child\" data-id=\"0fbaa51\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b7fa7b1 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"b7fa7b1\" 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\"><a href=\"https:\/\/www.metamorphouse.ch\/de\/comptabiliser-le-loyer\/\">Comment comptabiliser le nouveau loyer&#8239;?<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-34397b1 e-con-full e-flex e-con e-child\" data-id=\"34397b1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5c7a5bb e-con-full e-flex e-con e-child\" data-id=\"5c7a5bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-187458e elementor-widget elementor-widget-text-editor\" data-id=\"187458e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLe financement d\u2019une subdivision d\u00e9pend souvent de la mani\u00e8re dont la banque comptabilise les futurs revenus locatifs. <a href=\"https:\/\/www.metamorphouse.ch\/comptabiliser-le-loyer\/\">Comptabiliser le loyer<\/a> montre que\u00a0la d\u00e9cision de financement\u00a0peut basculer du refus \u00e0 l\u2019acceptation\u00a0selon que le loyer\u00a0est ajout\u00e9 aux revenus ou d\u00e9duit des charges. Comprendre cette diff\u00e9rence est essentiel pour r\u00e9ussir son projet.\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-b14fabe e-con-full e-flex e-con e-child\" data-id=\"b14fabe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<a class=\"elementor-element elementor-element-c566fad e-con-full e-flex e-con e-child\" data-id=\"c566fad\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/www.metamorphouse.ch\/de\/comptabiliser-le-loyer\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4359e66 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"4359e66\" 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 elementor-animation-grow\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-play\"><\/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<\/a>\n\t\t\t\t<div class=\"elementor-element elementor-element-15711d2 elementor-widget elementor-widget-text-editor\" data-id=\"15711d2\" 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><span style=\"letter-spacing: 0.8px;\">Bel\u00e9n Merelas &amp;\u00a0<\/span>Bernhard Stoll<\/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-effec4f e-con-full e-flex e-con e-child\" data-id=\"effec4f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dffd768 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"dffd768\" 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\"><a href=\"https:\/\/www.metamorphouse.ch\/de\/couts-benefices\/\">Qu\u2019est-ce que le projet me co\u00fbte et qu\u2019est-ce qu\u2019il m\u2019apporte&nbsp;?<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ede3fdb e-con-full e-flex e-con e-child\" data-id=\"ede3fdb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-cb6fdbf e-con-full e-flex e-con e-child\" data-id=\"cb6fdbf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be971f3 elementor-widget elementor-widget-text-editor\" data-id=\"be971f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.metamorphouse.ch\/couts-benefices\/\">L&rsquo;analyse co\u00fbts-b\u00e9n\u00e9fices<\/a>\u00a0vous permet de d\u00e9terminer si votre projet est globalement rentable, en int\u00e9grant des \u00e9l\u00e9ments mon\u00e9taires et non mon\u00e9taires, objectifs et subjectifs. Les \u00e9l\u00e9ments non mon\u00e9taires peuvent \u00eatre mon\u00e9tis\u00e9s.<\/p><p>Par exemple, la r\u00e9duction de la surface habitable c\u00e9d\u00e9e au nouveau logement peut \u00eatre quantifi\u00e9e. Cependant, moins d\u2019espace peut \u00eatre interpr\u00e9t\u00e9 comme un inconv\u00e9nient (co\u00fbt) ou un avantage (b\u00e9n\u00e9fice). Le choix des \u00e9l\u00e9ments non mon\u00e9taires et leur interpr\u00e9tation sont subjectifs. L\u2019analyse co\u00fbts-b\u00e9n\u00e9fices est individuelle, impossible \u00e0 g\u00e9n\u00e9raliser, car elle int\u00e8gre des besoins, des valeurs et des visions personnels.<\/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-575bfa4 e-con-full e-flex e-con e-child\" data-id=\"575bfa4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<a class=\"elementor-element elementor-element-7fed612 e-con-full e-flex e-con e-child\" data-id=\"7fed612\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/www.metamorphouse.ch\/de\/couts-benefices\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64f81c9 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"64f81c9\" 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 elementor-animation-grow\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-play\"><\/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<\/a>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5ee597 elementor-widget elementor-widget-text-editor\" data-id=\"a5ee597\" 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><span style=\"letter-spacing: 0.8px; 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 );\">Philippe Faverger &amp;\u00a0<\/span>Philippe Thalmann<\/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 class=\"elementor-element elementor-element-37d4e18 elementor-widget elementor-widget-spacer\" data-id=\"37d4e18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c382ca elementor-widget__width-initial elementor-widget elementor-widget-template\" data-id=\"3c382ca\" 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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>La subdivision co\u00fbte\u2026 et rapporte&#8238;! Comprendre les r\u00e8gles de financement Poser les bases du financement Financer la subdivision d&rsquo;une villa Comptabiliser le loyer Analyse co\u00fbts-b\u00e9n\u00e9fices de la subdivision d\u2019une villa Le financement \u00ab&nbsp;Nous avons fait de grands efforts pour amortir l\u2019hypoth\u00e8que au fil des ann\u00e9es. Nous n\u2019allons quand m\u00eame pas l\u2019augmenter maintenant alors que nous [&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-19123","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/posts\/19123","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=19123"}],"version-history":[{"count":283,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/posts\/19123\/revisions"}],"predecessor-version":[{"id":21189,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/posts\/19123\/revisions\/21189"}],"wp:attachment":[{"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/media?parent=19123"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/categories?post=19123"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/tags?post=19123"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}