{"id":19895,"date":"2025-06-10T14:01:01","date_gmt":"2025-06-10T13:01:01","guid":{"rendered":"https:\/\/www.metamorphouse.ch\/?p=19895"},"modified":"2026-03-16T16:50:10","modified_gmt":"2026-03-16T15:50:10","slug":"die-finanzierung-aufgleisen","status":"publish","type":"post","link":"https:\/\/www.metamorphouse.ch\/de\/poser-les-bases-du-financement\/","title":{"rendered":"Die Finanzierung aufgleisen"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"19895\" class=\"elementor elementor-19895\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50d5f93 e-flex e-con-boxed e-con e-parent\" data-id=\"50d5f93\" 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-8081f9c elementor-fixed elementor-hidden-mobile elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"8081f9c\" 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-813954a e-con-full e-flex e-con e-child\" data-id=\"813954a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8452cbe elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8452cbe\" 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\">Poser les bases du financement<\/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-233d4fa e-con-full e-flex e-con e-child\" data-id=\"233d4fa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c15d568 report-video elementor-widget__width-inherit elementor-widget elementor-widget-html\" data-id=\"c15d568\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"finanzierung-aufgleisen\" 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\/1092150320?texttrack=de-CH&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-983c00f elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"983c00f\" 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>\n \t<li style=\"list-style-type: none;\">\n<ol>\n \t<li><a class=\"video-link\" href=\"#finanzierung-aufgleisen\" data-timestamp=\"12\">Wo anfangen?<\/a><\/li>\n \t<li><a class=\"video-link\" href=\"#finanzierung-aufgleisen\" data-timestamp=\"75\">Welche Unterlagen braucht es?<\/a><\/li>\n \t<li><a class=\"video-link\" href=\"#finanzierung-aufgleisen\" data-timestamp=\"102\">Eine erste Zahl setzen<\/a><\/li>\n \t<li><a class=\"video-link\" href=\"#finanzierung-aufgleisen\" data-timestamp=\"141\">Mieteinnahmen absch\u00e4tzen<\/a><\/li>\n \t<li><a class=\"video-link\" href=\"#finanzierung-aufgleisen\" data-timestamp=\"165\">Rechenbeispiel<\/a><\/li>\n \t<li><a class=\"video-link\" href=\"#finanzierung-aufgleisen\" data-timestamp=\"263\">Mut behalten<\/a><\/li>\n \t<li><a class=\"video-link\" href=\"#finanzierung-aufgleisen\" data-timestamp=\"293\">Einen experten beiziehen<\/a><\/li>\n \t<li><a class=\"video-link\" href=\"#finanzierung-aufgleisen\" data-timestamp=\"316\">Darlehensbedingungen<\/a><\/li>\n \t<li><a class=\"video-link\" href=\"#finanzierung-aufgleisen\" data-timestamp=\"354\">Breit suchen<\/a><\/li>\n \t<li><a class=\"video-link\" href=\"#finanzierung-aufgleisen\" data-timestamp=\"372\">Ein letzter Tipp<\/a><\/li>\n<\/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-2f0a74e e-con-full e-flex e-con e-child\" data-id=\"2f0a74e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4288e5e elementor-widget elementor-widget-heading\" data-id=\"4288e5e\" 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\">Poser les bases du financement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2767ca9 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=\"2767ca9\" 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__2767ca9\" 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__2767ca9\" 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__2767ca9\" 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-80e763c e-con-full e-flex e-con e-child\" data-id=\"80e763c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b38aaa2 e-con-full e-flex e-con e-child\" data-id=\"b38aaa2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c28ff5e e-con-full e-flex e-con e-child\" data-id=\"c28ff5e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2dec72b elementor-widget elementor-widget-text-editor\" data-id=\"2dec72b\" 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\tAvant d\u2019avancer dans la planification d\u2019un projet de transformation visant \u00e0 cr\u00e9er un logement suppl\u00e9mentaire, il est essentiel d\u2019en clarifier le financement des travaux. Une planification financi\u00e8re pr\u00e9coce a un impact positif sur le processus de planification.\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-8bf9f6c e-con-full e-flex e-con e-child\" data-id=\"8bf9f6c\" 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-422e2b3 elementor-widget elementor-widget-image-carousel\" data-id=\"422e2b3\" 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;none&quot;,&quot;autoplay_speed&quot;:1000,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;}\" data-no-translation=\"\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carrousel d\u2019images\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 17\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/pbf-de1-768x432.webp\" alt=\"pbf-de1\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 17\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/pbf-de2-768x432.webp\" alt=\"pbf-de2\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 17\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/pbf-de3-768x432.webp\" alt=\"pbf-de3\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"4 of 17\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/pbf-de4-768x432.webp\" alt=\"pbf-de4\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"5 of 17\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/pbf-de5-768x432.webp\" alt=\"pbf-de5\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"6 of 17\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/pbf-de51-768x432.webp\" alt=\"pbf-de51\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"7 of 17\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/pbf-de6-768x432.webp\" alt=\"pbf-de6\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"8 of 17\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/pbf-de7-768x432.webp\" alt=\"pbf-de7\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"9 of 17\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/pbf-de8-768x432.webp\" alt=\"pbf-de8\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"10 of 17\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/pbf-de9-768x432.webp\" alt=\"pbf-de9\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"11 of 17\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/pbf-de10-768x432.webp\" alt=\"pbf-de10\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"12 of 17\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/pbf-de11-768x432.webp\" alt=\"pbf-de11\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"13 of 17\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/pbf-de12-768x432.webp\" alt=\"pbf-de12\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"14 of 17\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/pbf-de13-768x432.webp\" alt=\"pbf-de13\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"15 of 17\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/pbf-de14-768x432.webp\" alt=\"pbf-de14\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"16 of 17\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/pbf-de15-768x432.webp\" alt=\"pbf-de15\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"17 of 17\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/pbf-de16-768x432.webp\" alt=\"pbf-de16\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45ccd5d elementor-widget elementor-widget-image-carousel\" data-id=\"45ccd5d\" 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;none&quot;,&quot;autoplay_speed&quot;:1000,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;}\" data-no-translation=\"\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-45ccd5d{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8c586c5 e-con-full e-flex e-con e-child\" data-id=\"8c586c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-298cf25 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"298cf25\" 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\">Par quoi commencer&nbsp;?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9afdee1 e-con-full e-flex e-con e-child\" data-id=\"9afdee1\" 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-cb31b65 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"cb31b65\" 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-6068b46 elementor-widget__width-inherit elementor-widget-mobile__width-auto elementor-widget elementor-widget-html\" data-id=\"6068b46\" 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=\"#finanzierung-aufgleisen\" data-timestamp=\"12\">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-bc6f2e2 e-con-full e-flex e-con e-child\" data-id=\"bc6f2e2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9d76348 e-con-full e-flex e-con e-child\" data-id=\"9d76348\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2697f40 elementor-widget elementor-widget-text-editor\" data-id=\"2697f40\" 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=\"#exemples\">Deux calculs<\/a> permettent de d\u00e9finir les rep\u00e8res financiers du projet :<\/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-9416351 elementor-widget elementor-widget-text-editor\" data-id=\"9416351\" 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<ol><li>Estimer les revenus locatifs potentiels pour en d\u00e9duire la capacit\u00e9 d\u2019endettement.<\/li><li>Estimer les co\u00fbts de transformation pour d\u00e9terminer le revenu locatif \u00e0 r\u00e9aliser pour financer la dette.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c9380e elementor-widget elementor-widget-text-editor\" data-id=\"0c9380e\" 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>Ces calculs permettent de poser un cadre, dont les contours \u00e9volueront au fil du projet. Dans un processus it\u00e9ratif, les hypoth\u00e8ses seront affin\u00e9es, des partenaires impliqu\u00e9s, les calculs pr\u00e9cis\u00e9s et le projet redimensionn\u00e9.<\/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-696b2bd e-con-full e-flex e-con e-child\" data-id=\"696b2bd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a37c0c7 e-con-full e-flex e-con e-child\" data-id=\"a37c0c7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d978c2c elementor-widget elementor-widget-heading\" data-id=\"d978c2c\" 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<h5 class=\"elementor-heading-title elementor-size-default\">Voir \u00e9galement:<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cb22a6 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4cb22a6\" 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=\"#exemples\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-down\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Exemples de calculs<\/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<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-393c5de e-con-full e-flex e-con e-child\" data-id=\"393c5de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e01623 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"7e01623\" 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\">Quels documents pour d\u00e9marrer&nbsp;?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9be6f85 e-con-full e-flex e-con e-child\" data-id=\"9be6f85\" 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-a6e73ed elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"a6e73ed\" 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-a787a33 elementor-widget__width-inherit elementor-widget-mobile__width-auto elementor-widget elementor-widget-html\" data-id=\"a787a33\" 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=\"#finanzierung-aufgleisen\" data-timestamp=\"75\">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-e8910ee e-con-full e-flex e-con e-child\" data-id=\"e8910ee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c3d03e6 e-con-full e-flex e-con e-child\" data-id=\"c3d03e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1910b86 elementor-widget elementor-widget-text-editor\" data-id=\"1910b86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Il n\u2019est pas n\u00e9cessaire de disposer de plans architecturaux d\u00e9taill\u00e9s. Une vue d\u2019ensemble suffit\u00a0: une esquisse du projet, une hypoth\u00e8se du loyer, une estimation approximative des co\u00fbts permettent d\u00e9j\u00e0 d\u2019entamer la discussion avec des instituts de financement.<\/p><p>En fonction de cette premi\u00e8re \u00e9valuation de la faisabilit\u00e9 financi\u00e8re, l\u2019architecte peut ou doit redimensionner le projet. Il s\u2019agit d\u2019un processus it\u00e9ratif o\u00f9 le d\u00e9veloppement du projet et le financement s\u2019ajustent mutuellement.<\/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-fe04697 e-con-full e-flex e-con e-child\" data-id=\"fe04697\" 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-f9264db e-con-full e-flex e-con e-child\" data-id=\"f9264db\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a622f2 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"6a622f2\" 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\">Comment estimer le loyer&nbsp;?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d1af631 e-con-full e-flex e-con e-child\" data-id=\"d1af631\" 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-7269c0c elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"7269c0c\" 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-da5f82f elementor-widget__width-inherit elementor-widget-mobile__width-auto elementor-widget elementor-widget-html\" data-id=\"da5f82f\" 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=\"#finanzierung-aufgleisen\" data-timestamp=\"141\">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-caafd03 e-con-full e-flex e-con e-child\" data-id=\"caafd03\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7b9ede7 e-con-full e-flex e-con e-child\" data-id=\"7b9ede7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-570eefc elementor-widget elementor-widget-text-editor\" data-id=\"570eefc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019estimation du futur loyer peut \u00eatre r\u00e9alis\u00e9e de mani\u00e8re simple, sur Internet, en comparant l\u2019objet avec d\u2019autres logements similaires propos\u00e9s \u00e0 la location.<\/p><p>Pour s\u2019assurer que le projet d\u00e9marre sur des hypoth\u00e8ses solides, l\u2019estimation devrait \u00eatre valid\u00e9e par le ou la sp\u00e9cialistes du financement et par l\u2019architecte.<\/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-dccf55e e-con-full e-flex e-con e-child\" data-id=\"dccf55e\" 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 class=\"elementor-element elementor-element-4c0863a elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"4c0863a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Pr\u00e9cautions<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-09b1276 e-con-full e-flex e-con e-child\" data-id=\"09b1276\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-45126f3 e-con-full e-flex e-con e-child\" data-id=\"45126f3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f4a9bd elementor-widget elementor-widget-text-editor\" data-id=\"7f4a9bd\" 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;\">Les exemples ci-dessous recourent \u00e0 un calcul du loyer hypoth\u00e9tique afin de d\u00e9terminer la capacit\u00e9 d\u2019emprunt. Le taux d\u2019int\u00e9r\u00eat de 5\u00a0% utilis\u00e9 correspond au taux d\u2019int\u00e9r\u00eat th\u00e9orique que les banques emploient pour v\u00e9rifier la <a href=\"https:\/\/www.metamorphouse.ch\/regles-financement\/#elementor-toc__heading-anchor-4\">tenue des charges<\/a>.<\/span><\/p><p>Pour un calcul final du loyer, nous vous recommandons d&rsquo;utiliser\u00a0<a href=\"https:\/\/habitatdurable.ch\/services\/calculateur-de-loyer\/\" target=\"_blank\" rel=\"noopener\">le calculateur en ligne de l\u2019association habitat<i>durable<\/i><\/a>\u00a0qui est\u00a0un des <a href=\"https:\/\/www.metamorphouse.ch\/partenaires\/\">partenaires<\/a> de M\u00e9tamorpHouse.<\/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-0e10307 e-con-full e-flex e-con e-child\" data-id=\"0e10307\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-223b6df e-con-full e-flex e-con e-child\" data-id=\"223b6df\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d84c43e elementor-widget elementor-widget-text-editor\" data-id=\"d84c43e\" 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>Taux d\u2019int\u00e9r\u00eat th\u00e9orique et tenue des charges\u00a0:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8e248d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d8e248d\" 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\/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 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>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-043ae01 e-con-full e-flex e-con e-child\" data-id=\"043ae01\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ec2780 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"1ec2780\" 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\">Loyer potentiel et capacit\u00e9 d\u2019emprunt<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-baaf8b3 e-con-full e-flex e-con e-child\" data-id=\"baaf8b3\" 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-1681a63 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"1681a63\" 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-5309ddf elementor-widget__width-inherit elementor-widget-mobile__width-auto elementor-widget elementor-widget-html\" data-id=\"5309ddf\" 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=\"#finanzierung-aufgleisen\" data-timestamp=\"165\">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-aedcf44 e-con-full e-flex e-con e-child\" data-id=\"aedcf44\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3321138 e-con-full e-flex e-con e-child\" data-id=\"3321138\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a24a107 elementor-widget elementor-widget-text-editor\" data-id=\"a24a107\" 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 augmenter l\u2019endettement, les revenus doivent augmenter. L\u2019am\u00e9nagement d\u2019un logement suppl\u00e9mentaire va g\u00e9n\u00e9rer un revenu locatif. Ce nouveau revenu d\u00e9termine la capacit\u00e9 d\u2019emprunt.<\/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-0eb27f3 e-con-full e-flex e-con e-child\" data-id=\"0eb27f3\" 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-bcd7a51 e-con-full e-flex e-con e-child\" data-id=\"bcd7a51\" data-element_type=\"container\" data-e-type=\"container\" id=\"exemples\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-0f741a3 e-con-full e-flex e-con e-child\" data-id=\"0f741a3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4035bb4 e-con-full e-flex e-con e-child\" data-id=\"4035bb4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-087abc2 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"087abc2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Exemple 1&nbsp;: D\u00e9finir la capacit\u00e9 d\u2019emprunt hypoth\u00e9caire\u202f<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9b8b7f elementor-widget elementor-widget-text-editor\" data-id=\"f9b8b7f\" 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>Prenons un logement de 100 m\u00b2 avec un loyer estim\u00e9 \u00e0 2&rsquo;500 francs par mois, soit 30\u2019000 francs par an.\u00a0<\/p><p>Apr\u00e8s d\u00e9duction des frais d\u2019entretien th\u00e9oriques (environ 1 % de la valeur du bien, estim\u00e9e ici \u00e0 800&rsquo;000 francs, soit 8\u2019000 francs), il reste un revenu de 22\u2019000 francs pour financer une hypoth\u00e8que : 30&rsquo;000 \u2013 8000 = 22\u2019000 francs<\/p><p>En divisant ce montant par le taux d\u2019int\u00e9r\u00eat th\u00e9orique (5\u00a0%), on obtient une capacit\u00e9 d\u2019emprunt de 440\u2019000\u00a0francs.<\/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-a68c4c4 e-con-full e-flex e-con e-child\" data-id=\"a68c4c4\" 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-392a832 elementor-widget elementor-widget-image\" data-id=\"392a832\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-392a832{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ba03ca elementor-widget elementor-widget-image\" data-id=\"9ba03ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"http:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Finanzierung-aufgleisen-1.pdf\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"543\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Finanzierung-aufgleisen-768x543.webp\" class=\"attachment-medium_large size-medium_large wp-image-19975\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Finanzierung-aufgleisen-768x543.webp 768w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Finanzierung-aufgleisen-300x212.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Finanzierung-aufgleisen-1024x724.webp 1024w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Finanzierung-aufgleisen-1536x1086.png 1536w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Finanzierung-aufgleisen-18x12.png 18w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Finanzierung-aufgleisen.webp 1920w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Dokument zum Download<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-13e2188 e-con-full e-flex e-con e-child\" data-id=\"13e2188\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0d814c0 elementor-widget elementor-widget-text-editor\" data-id=\"0d814c0\" 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>Frais d&rsquo;entretien th\u00e9oriques :<\/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-26889a7 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"26889a7\" 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\/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 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>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-581d078 e-con-full e-flex e-con e-child\" data-id=\"581d078\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-398bbcb e-con-full e-flex e-con e-child\" data-id=\"398bbcb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8e88220 elementor-widget elementor-widget-text-editor\" data-id=\"8e88220\" 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 augmenter l\u2019endettement, les revenus doivent augmenter. L\u2019am\u00e9nagement d\u2019un logement suppl\u00e9mentaire va g\u00e9n\u00e9rer un revenu locatif. Ce nouveau revenu d\u00e9termine la capacit\u00e9 d\u2019emprunt.<\/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-f40e921 e-con-full e-flex e-con e-child\" data-id=\"f40e921\" 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-78c56c8 e-con-full e-flex e-con e-child\" data-id=\"78c56c8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-66f41ed e-con-full e-flex e-con e-child\" data-id=\"66f41ed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fda58fc elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"fda58fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Exemple 2&nbsp;: D\u00e9finir le loyer n\u00e9cessaire pour financer la dette\u202f<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66ae15f elementor-widget elementor-widget-text-editor\" data-id=\"66ae15f\" 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>Supposons que les co\u00fbts de transformation s\u2019\u00e9l\u00e8vent \u00e0 500\u2019000\u00a0francs.<\/p><p>En multipliant ce montant par le taux d\u2019int\u00e9r\u00eat th\u00e9orique (5\u00a0%), on obtient 25\u2019000\u00a0francs.<\/p><p>Apr\u00e8s addition des frais d\u2019entretien th\u00e9oriques\u202f(environ 1\u00a0% de la valeur du bien, estim\u00e9e ici \u00e0 800&rsquo;000\u00a0francs, soit 8\u2019000\u00a0francs), le loyer annuel s\u2019\u00e9l\u00e8ve \u00e0 33\u2019000\u00a0francs, soit un loyer mensuel de 2\u2019750\u00a0francs pour financer la dette.<\/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-f7bb46d e-con-full e-flex e-con e-child\" data-id=\"f7bb46d\" 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-8e61ce3 elementor-widget elementor-widget-image\" data-id=\"8e61ce3\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-8e61ce3{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ecf3ab elementor-widget elementor-widget-image\" data-id=\"5ecf3ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"http:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Finanzierung-aufgleisen-1.pdf\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"543\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Finanzierung-aufgleisen-768x543.webp\" class=\"attachment-medium_large size-medium_large wp-image-19975\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Finanzierung-aufgleisen-768x543.webp 768w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Finanzierung-aufgleisen-300x212.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Finanzierung-aufgleisen-1024x724.webp 1024w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Finanzierung-aufgleisen-1536x1086.png 1536w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Finanzierung-aufgleisen-18x12.png 18w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Finanzierung-aufgleisen.webp 1920w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Dokument zum Download<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e82128a e-con-full e-flex e-con e-child\" data-id=\"e82128a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a9cdf98 e-con-full e-flex e-con e-child\" data-id=\"a9cdf98\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a044c5 elementor-widget elementor-widget-text-editor\" data-id=\"6a044c5\" 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 le projet s\u2019av\u00e8re trop co\u00fbteux par rapport au loyer escompt\u00e9, les banques se montreront plus r\u00e9ticentes et un apport en fonds propres sera n\u00e9cessaire.\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-7887977 e-con-full e-flex e-con e-child\" data-id=\"7887977\" 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-5b73a48 e-con-full e-flex e-con e-child\" data-id=\"5b73a48\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f0d49d elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"3f0d49d\" 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\">Pers\u00e9v\u00e9rer<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8d86908 e-con-full e-flex e-con e-child\" data-id=\"8d86908\" 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-0c01f42 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"0c01f42\" 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-daf350b elementor-widget__width-inherit elementor-widget-mobile__width-auto elementor-widget elementor-widget-html\" data-id=\"daf350b\" 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=\"#finanzierung-aufgleisen\" data-timestamp=\"263\">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-76e7977 e-con-full e-flex e-con e-child\" data-id=\"76e7977\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9d97475 e-con-full e-flex e-con e-child\" data-id=\"9d97475\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f9e0a22 elementor-widget elementor-widget-text-editor\" data-id=\"f9e0a22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lorsque le financement semble compromis, il est judicieux de chercher l\u2019expertise d\u2019un\u00b7e sp\u00e9cialiste en financement hypoth\u00e9caire, avant d\u2019abandonner son projet de subdivision.<br \/>Contrairement aux simulateurs de calcul financier en ligne, certaines banques peuvent faire preuve de souplesse lorsqu\u2019un projet fait sens.<\/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-f076812 e-con-full e-flex e-con e-child\" data-id=\"f076812\" 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-f736abc e-con-full e-flex e-con e-child\" data-id=\"f736abc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d066b7 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"1d066b7\" 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\">Chercher large<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ad48252 e-con-full e-flex e-con e-child\" data-id=\"ad48252\" 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-24b83e7 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"24b83e7\" 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-dd9a44a elementor-widget__width-inherit elementor-widget-mobile__width-auto elementor-widget elementor-widget-html\" data-id=\"dd9a44a\" 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=\"#finanzierung-aufgleisen\" data-timestamp=\"354\">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-a4e7f10 e-con-full e-flex e-con e-child\" data-id=\"a4e7f10\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-341f274 e-con-full e-flex e-con e-child\" data-id=\"341f274\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1a4946 elementor-widget elementor-widget-text-editor\" data-id=\"a1a4946\" 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 cette raison, il est judicieux de ne pas se limiter \u00e0 sa banque habituelle. Les crit\u00e8res d\u2019acceptation varient fortement d\u2019un \u00e9tablissement \u00e0 l\u2019autre.<\/p><p>Il est \u00e9galement important de ne pas se focaliser uniquement sur le taux d\u2019int\u00e9r\u00eat, mais de prendre en compte l\u2019ensemble des conditions du pr\u00eat\u00a0: montant accord\u00e9, dur\u00e9e, modalit\u00e9s de remboursement, flexibilit\u00e9, etc.<\/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-f26b5ac e-con-full e-flex e-con e-child\" data-id=\"f26b5ac\" 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-7a25f9a e-con-full e-flex e-con e-child\" data-id=\"7a25f9a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1bc16b0 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"1bc16b0\" 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\">Anticiper<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-86de307 e-con-full e-flex e-con e-child\" data-id=\"86de307\" 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-6c78d57 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"6c78d57\" 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-9ebfa4e elementor-widget__width-inherit elementor-widget-mobile__width-auto elementor-widget elementor-widget-html\" data-id=\"9ebfa4e\" 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=\"#finanzierung-aufgleisen\" data-timestamp=\"372\">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-5bbb283 e-con-full e-flex e-con e-child\" data-id=\"5bbb283\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-87136fc e-con-full e-flex e-con e-child\" data-id=\"87136fc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-498a2f2 elementor-widget elementor-widget-text-editor\" data-id=\"498a2f2\" 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>Un autre point d\u2019attention concerne la dur\u00e9e des hypoth\u00e8ques existantes. Une personne approchant de la retraite et engag\u00e9e dans une hypoth\u00e8que \u00e0 taux fixe de longue dur\u00e9e risque de se retrouver avec une marge de man\u0153uvre limit\u00e9e.<\/p><p>Planifier un point de d\u00e9cision strat\u00e9gique un \u00e0 deux ans avant ou apr\u00e8s la retraite peut augmenter la flexibilit\u00e9 pour le financement d\u2019un projet \u00e0 venir.<\/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-0c58af8 e-con-full e-flex e-con e-child\" data-id=\"0c58af8\" 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-f6ae770 e-con-full e-flex e-con e-child\" data-id=\"f6ae770\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-389eb37 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"389eb37\" 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\">Conclusion<\/h3>\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-ab51666 e-con-full e-flex e-con e-child\" data-id=\"ab51666\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-22a3227 e-con-full e-flex e-con e-child\" data-id=\"22a3227\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d7cbc6b elementor-widget elementor-widget-text-editor\" data-id=\"d7cbc6b\" 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 est un projet en soi. En s\u2019y confrontant le plus t\u00f4t possible, en s\u2019appuyant sur des hypoth\u00e8ses r\u00e9alistes et en recourant \u00e0 un accompagnement ind\u00e9pendant, il est possible d\u2019ouvrir des marges de man\u0153uvre, m\u00eame dans une situation financi\u00e8re tendue. \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-f53a3a0 e-con-full e-flex e-con e-child\" data-id=\"f53a3a0\" 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-350bdf3 e-con-full e-flex e-con e-child\" data-id=\"350bdf3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e2446f2 elementor-widget__width-initial elementor-widget elementor-widget-template\" data-id=\"e2446f2\" 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-e3878e6 elementor-widget__width-initial elementor-widget elementor-widget-template\" data-id=\"e3878e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"21017\" class=\"elementor elementor-21017\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1455fb7 e-con-full e-flex e-con e-child\" data-id=\"1455fb7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-202cf8a e-con-full e-flex e-con e-child\" data-id=\"202cf8a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a8afeb elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"6a8afeb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Remerciements<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1cac5ad e-con-full e-flex e-con e-child\" data-id=\"1cac5ad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c30fcab elementor-widget elementor-widget-image\" data-id=\"c30fcab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"601\" height=\"181\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Plus-1.webp\" class=\"attachment-large size-large wp-image-18650\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Plus-1.webp 601w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Plus-1-300x90.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Plus-1-18x5.png 18w\" sizes=\"(max-width: 601px) 100vw, 601px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70fc215 elementor-widget elementor-widget-text-editor\" data-id=\"70fc215\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Groupe Plus<\/p><p>Conseil en financement immobilier<\/p><p>Lausanne<\/p><p><a href=\"https:\/\/plus-group.ch\/\" target=\"_blank\" rel=\"noopener\">plus-group.ch<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-92d2b3b e-con-full e-flex e-con e-child\" data-id=\"92d2b3b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e9d91a elementor-widget elementor-widget-image\" data-id=\"2e9d91a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"601\" height=\"181\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/TopHypo.webp\" class=\"attachment-large size-large wp-image-18623\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/TopHypo.webp 601w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/TopHypo-300x90.webp 300w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/TopHypo-18x5.png 18w\" sizes=\"(max-width: 601px) 100vw, 601px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7fdb21 elementor-widget elementor-widget-text-editor\" data-id=\"b7fdb21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>topHYPO AG<\/p>\n<p style=\"letter-spacing: 0.8px;\">Conseil en financement immobilier<\/p>\n<p><span style=\"font-family: var( --e-global-typography-92c2e5c-font-family ), Sans-serif; font-size: var( --e-global-typography-92c2e5c-font-size ); font-weight: var( --e-global-typography-92c2e5c-font-weight ); text-align: var(--text-align); color: var( --e-global-color-text ); letter-spacing: var( --e-global-typography-5154eff-letter-spacing );\">Berne<\/span><\/p>\n<p><a href=\"https:\/\/www.tophypo.ch\/\" target=\"_blank\" rel=\"noopener\">tophypo.ch<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Financement Poser les bases du financement Par quoi commencer ? Quels documents pour d\u00e9marrer Fixer un premier chiffre Estimer le loyer Exemple de calcul Pers\u00e9v\u00e9rer S&rsquo;adresser \u00e0 un expert Conditions de pr\u00eat Comparer les offres Dernier conseil Wo anfangen? Welche Unterlagen braucht es? Eine erste Zahl setzen Mieteinnahmen absch\u00e4tzen Rechenbeispiel Mut behalten Einen experten [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[33],"tags":[],"class_list":["post-19895","post","type-post","status-publish","format-standard","hentry","category-themes"],"_links":{"self":[{"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/posts\/19895","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=19895"}],"version-history":[{"count":154,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/posts\/19895\/revisions"}],"predecessor-version":[{"id":21868,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/posts\/19895\/revisions\/21868"}],"wp:attachment":[{"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/media?parent=19895"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/categories?post=19895"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/tags?post=19895"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}