{"id":20224,"date":"2025-09-04T14:23:44","date_gmt":"2025-09-04T13:23:44","guid":{"rendered":"https:\/\/www.metamorphouse.ch\/?p=20224"},"modified":"2026-03-16T16:49:57","modified_gmt":"2026-03-16T15:49:57","slug":"mieteinnahmen-verbuchen","status":"publish","type":"post","link":"https:\/\/www.metamorphouse.ch\/de\/comptabiliser-le-loyer\/","title":{"rendered":"Die Mieteinnahmen verbuchen"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"20224\" class=\"elementor elementor-20224\" 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-0f273fc elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"0f273fc\" 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\">Comptabiliser le nouveau loyer\u200b<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-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\" 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\/1115819960?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>\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\">Comptabiliser le nouveau loyer<\/h2>\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\tL\u2019am\u00e9nagement d\u2019une habitation suppl\u00e9mentaire est en g\u00e9n\u00e9ral conditionn\u00e9 par l\u2019obtention d\u2019un cr\u00e9dit hypoth\u00e9caire pour financer les travaux. Le revenu locatif du nouveau logement joue souvent un r\u00f4le cl\u00e9 pour l\u2019obtention de ce cr\u00e9dit.\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>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a784eee e-con-full e-flex e-con e-child\" data-id=\"a784eee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7fee98d e-con-full e-flex e-con e-child\" data-id=\"7fee98d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5710ed1 e-con-full e-flex e-con e-child\" data-id=\"5710ed1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f9d9c5a elementor-widget elementor-widget-text-editor\" data-id=\"f9d9c5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La mani\u00e8re de comptabiliser le revenu locatif diff\u00e8re d\u2019une banque \u00e0 l\u2019autre. Certains \u00e9tablissements l\u2019ajoutent aux revenus des propri\u00e9taires, tandis que d\u2019autres le d\u00e9duisent des charges th\u00e9oriques. Cette diff\u00e9rence a un lourd impact sur la capacit\u00e9 de <a href=\"https:\/\/www.metamorphouse.ch\/regles-financement\/#tenue-des-charges\">tenue des charges<\/a> des propri\u00e9taires et peut \u00eatre d\u00e9terminante dans le choix de l\u2019\u00e9tablissement bancaire.<\/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-491b6dc e-con-full e-flex e-con e-child\" data-id=\"491b6dc\" 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-59e7276 e-con-full e-flex e-con e-child\" data-id=\"59e7276\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3ba81c4 e-con-full e-flex e-con e-child\" data-id=\"3ba81c4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-216d428 e-con-full e-flex e-con e-child\" data-id=\"216d428\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e7edbff elementor-widget elementor-widget-text-editor\" data-id=\"e7edbff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les co\u00fbts li\u00e9s au logement ne devraient pas repr\u00e9senter plus d\u2019un tiers des revenus. Cette r\u00e8gle constitue la base de l\u2019\u00e9valuation de la <a href=\"https:\/\/www.metamorphouse.ch\/regles-financement\/#tenue-des-charges\">tenue des charges<\/a> : les charges th\u00e9oriques ne doivent pas d\u00e9passer un tiers des revenus.<\/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-e5148c4 e-con-full e-flex e-con e-child\" data-id=\"e5148c4\" 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-8f78041 e-con-full e-flex e-con e-child\" data-id=\"8f78041\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae7d50f elementor-widget elementor-widget-heading\" data-id=\"ae7d50f\" 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-6cb4349 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6cb4349\" 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 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<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b0f0b9f e-con-full e-flex e-con e-child\" data-id=\"b0f0b9f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ab1f0ff e-con-full e-flex e-con e-child\" data-id=\"ab1f0ff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4db8aaa e-con-full e-flex e-con e-child\" data-id=\"4db8aaa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4378c54 elementor-widget elementor-widget-text-editor\" data-id=\"4378c54\" 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 existe de grandes diff\u00e9rences entre les instituts de financement. Par exemple, une banque ajoute le nouveau loyer aux revenus obtient un taux de charges de 40 % et refuse le cr\u00e9dit. Alors qu\u2019une autre banque, qui d\u00e9duit le nouveau loyer des charges, obtient un taux de charges inf\u00e9rieur et accepte de financer le 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-fb5497e e-con-full e-flex e-con e-child\" data-id=\"fb5497e\" 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-13d3b2d elementor-widget elementor-widget-image-carousel\" data-id=\"13d3b2d\" 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;:3000,&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-13d3b2d{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-b0de67f elementor-widget elementor-widget-image-carousel\" data-id=\"b0de67f\" 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;:3000,&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 3\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/CL1-DE-768x432.webp\" alt=\"CL1-DE\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 3\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/CL9-DE-768x432.webp\" alt=\"CL9-DE\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 3\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/CL8-DE-768x432.webp\" alt=\"CL8-DE\" \/><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>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c5645bb e-con-full e-flex e-con e-child\" data-id=\"c5645bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-612bd24 e-con-full e-flex e-con e-child\" data-id=\"612bd24\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-892e7c5 e-con-full e-flex e-con e-child\" data-id=\"892e7c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe9fa02 elementor-widget elementor-widget-text-editor\" data-id=\"fe9fa02\" 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\tL\u2019effet de levier est bien plus important lorsque le nouveau loyer est d\u00e9duit des charges th\u00e9oriques.\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-6cad6a3 e-con-full e-flex e-con e-child\" data-id=\"6cad6a3\" 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-276bbe0 e-con-full e-flex e-con e-child\" data-id=\"276bbe0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e6e4247 elementor-widget elementor-widget-heading\" data-id=\"e6e4247\" 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\">Fiche exemple\n<\/h2>\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-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<h3 class=\"elementor-heading-title elementor-size-default\">Comptabiliser le nouveau loyer :\nimpacts sur la tenue des charges et le montant du loyer<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-123d6f7 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"123d6f7\" 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 d\u2019une subdivision avec la construction d\u2019une annexe<\/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>Madame et Monsieur R. sont \u00e0 la retraite, ils investissent 400 000 CHF pour transformer leur villa en deux logements.<\/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-6dc09a7 elementor-widget elementor-widget-text-editor\" data-id=\"6dc09a7\" 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>Ils conservent le logement de 3.5 pi\u00e8ces au rez-de-chauss\u00e9e et louent l\u2019appartement de 5.5 pi\u00e8ces \u00e0 l\u2019\u00e9tage.<\/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-8a91d75 elementor-widget elementor-widget-text-editor\" data-id=\"8a91d75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLes variantes de la fiche \u00e0 t\u00e9l\u00e9charger d\u00e9montrent l\u2019impact de la mani\u00e8re de comptabiliser le nouveau loyer sur la capacit\u00e9 de tenue des charges du couple (donc leur capacit\u00e9 d\u2019emprunt) et le montant du loyer qui devra \u00eatre demand\u00e9.\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\/Rechenbeispiel.pdf\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"600\" height=\"848\" src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Rechenbeispiel.webp\" class=\"attachment-medium_large size-medium_large wp-image-20238\" alt=\"\" srcset=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Rechenbeispiel.webp 600w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Rechenbeispiel-212x300.webp 212w, https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Rechenbeispiel-8x12.png 8w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b13548 e-con-full e-flex e-con e-child\" data-id=\"7b13548\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d2ac788 elementor-widget__width-initial elementor-widget elementor-widget-template\" data-id=\"d2ac788\" 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-7b72dba elementor-widget__width-initial elementor-widget elementor-widget-template\" data-id=\"7b72dba\" 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 Comptabiliser le nouveau loyer\u200b Comptabiliser le nouveau loyer L\u2019am\u00e9nagement d\u2019une habitation suppl\u00e9mentaire est en g\u00e9n\u00e9ral conditionn\u00e9 par l\u2019obtention d\u2019un cr\u00e9dit hypoth\u00e9caire pour financer les travaux. Le revenu locatif du nouveau logement joue souvent un r\u00f4le cl\u00e9 pour l\u2019obtention de ce cr\u00e9dit. La mani\u00e8re de comptabiliser le revenu locatif diff\u00e8re d\u2019une banque \u00e0 l\u2019autre. [&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-20224","post","type-post","status-publish","format-standard","hentry","category-themes"],"_links":{"self":[{"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/posts\/20224","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=20224"}],"version-history":[{"count":98,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/posts\/20224\/revisions"}],"predecessor-version":[{"id":21865,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/posts\/20224\/revisions\/21865"}],"wp:attachment":[{"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/media?parent=20224"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/categories?post=20224"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/tags?post=20224"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}