{"id":20856,"date":"2025-10-14T10:37:40","date_gmt":"2025-10-14T09:37:40","guid":{"rendered":"https:\/\/www.metamorphouse.ch\/?p=20856"},"modified":"2026-03-16T16:43:02","modified_gmt":"2026-03-16T15:43:02","slug":"hausteilung-kostet-und-lohnt-sich","status":"publish","type":"post","link":"https:\/\/www.metamorphouse.ch\/de\/la-subdivision-coute-et-rapporte\/","title":{"rendered":"Eine Hausteilung kostet und lohnt sich"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"20856\" class=\"elementor elementor-20856\" 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\">La subdivision co\u00fbte\u2026 et rapporte!<\/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=\"hausteilung-kostet-und-lohnt-sich\" 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\/1127865402?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-528c356 elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"528c356\" 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><a class=\"video-link\" href=\"#hausteilung-kostet-und-lohnt-sich\" data-timestamp=\"2\">Einleitung<\/a><\/li>\n \t<li><a class=\"video-link\" href=\"#hausteilung-kostet-und-lohnt-sich\" data-timestamp=\"68\">Baukosten finanzieren<\/a><\/li>\n \t<li><a class=\"video-link\" href=\"#hausteilung-kostet-und-lohnt-sich\" data-timestamp=\"140\">Haus sanieren<\/a><\/li>\n \t<li><a class=\"video-link\" href=\"#hausteilung-kostet-und-lohnt-sich\" data-timestamp=\"235\">Tragbarkeit sichern<\/a><\/li>\n \t<li><a class=\"video-link\" href=\"#hausteilung-kostet-und-lohnt-sich\" data-timestamp=\"292\">Wohneigentum erwerben<\/a><\/li>\n \t<li><a class=\"video-link\" href=\"#hausteilung-kostet-und-lohnt-sich\" data-timestamp=\"345\">Haus behalten k\u00f6nnen<\/a><\/li>\n \t<li><a class=\"video-link\" href=\"#hausteilung-kostet-und-lohnt-sich\" data-timestamp=\"442\">Vom Mehrwert profitieren<\/a><\/li>\n \t<li><a class=\"video-link\" href=\"#hausteilung-kostet-und-lohnt-sich\" data-timestamp=\"543\">Haus vererben<\/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\">La subdivision co\u00fbte\u2026 et rapporte!<\/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\t<p>Transformer une maison implique toujours des d\u00e9penses et suscite des doutes : est-ce que l\u2019investissement en vaut la peine ?<br \/>Au-del\u00e0 des chiffres, il faut aussi consid\u00e9rer la valeur d\u2019usage, le fait d\u2019habiter et de rester dans sa maison. Une transformation peut offrir un avantage qui d\u00e9passe ce que l\u2019on peut mesurer financi\u00e8rement.<\/p><p>Pour bien \u00e9valuer le projet, il est important d\u2019avoir une vision d\u2019ensemble et de chercher conseil. Une subdivision peut sembler co\u00fbteuse au premier abord, mais un regard ext\u00e9rieur aide \u00e0 clarifier les enjeux et \u00e0 en mesurer les b\u00e9n\u00e9fices.<\/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-8bf9f6c e-con-full elementor-hidden-mobile 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-7afc7df e-con-full e-flex e-con e-child\" data-id=\"7afc7df\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-59bde05 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"59bde05\" 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-arrow-right\"><\/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-1e30247 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"1e30247\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Financer les travaux<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f3dafa9 e-con-full e-flex e-con e-child\" data-id=\"f3dafa9\" 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-f8c6626 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"f8c6626\" 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-7e9a32e elementor-widget__width-inherit elementor-widget-mobile__width-auto elementor-widget elementor-widget-html\" data-id=\"7e9a32e\" 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=\"#hausteilung-kostet-und-lohnt-sich\" data-timestamp=\"68\">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-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\tM\u00eame lorsque la tenue des charges est menac\u00e9e, par exemple au moment de la retraite, un projet de subdivision peut rester accessible. En cr\u00e9ant un logement \u00e0 louer, un revenu suppl\u00e9mentaire est r\u00e9alis\u00e9 et peut convaincre une banque de financer la transformation.\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 elementor-hidden-mobile 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<div class=\"elementor-element elementor-element-a7a1bf2 e-con-full e-flex e-con e-child\" data-id=\"a7a1bf2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-955a0a8 elementor-widget elementor-widget-heading\" data-id=\"955a0a8\" 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-26039a2 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"26039a2\" 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\/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\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<\/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-3c86a30 e-con-full e-flex e-con e-child\" data-id=\"3c86a30\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9263207 e-con-full e-flex e-con e-child\" data-id=\"9263207\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8c76364 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"8c76364\" 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-arrow-right\"><\/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-a73b67d elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"a73b67d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">R\u00e9nover la maison<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-06d9a9e e-con-full e-flex e-con e-child\" data-id=\"06d9a9e\" 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-c8ab9c5 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"c8ab9c5\" 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-e0d88e5 elementor-widget__width-inherit elementor-widget-mobile__width-auto elementor-widget elementor-widget-html\" data-id=\"e0d88e5\" 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=\"#hausteilung-kostet-und-lohnt-sich\" data-timestamp=\"140\">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-ec46398 e-con-full e-flex e-con e-child\" data-id=\"ec46398\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-de073da e-con-full e-flex e-con e-child\" data-id=\"de073da\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fcd9079 elementor-widget elementor-widget-text-editor\" data-id=\"fcd9079\" 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\tBeaucoup de maisons individuelles devront \u00eatre assainies d\u2019ici 2050, surtout les plus mal not\u00e9es sur le plan \u00e9nerg\u00e9tique. Or, de nombreux retrait\u00e9s n\u2019ont ni les moyens, ni l\u2019acc\u00e8s au cr\u00e9dit pour effectuer les travaux n\u00e9cessaires. Associer r\u00e9novation \u00e9nerg\u00e9tique et subdivision permet de rendre le projet financi\u00e8rement viable.\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-ba97873 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"ba97873\" 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-81d1ef0 e-con-full e-flex e-con e-child\" data-id=\"81d1ef0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-665899e elementor-widget elementor-widget-heading\" data-id=\"665899e\" 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-373a03a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"373a03a\" 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\/ameliorer-empreinte-ecologique\/\">\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\">Am\u00e9liorer l'empreinte \u00e9cologique<\/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-e23f04f e-con-full e-flex e-con e-child\" data-id=\"e23f04f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-329764f e-con-full e-flex e-con e-child\" data-id=\"329764f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e7ed71 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5e7ed71\" 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-arrow-right\"><\/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-241ef29 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"241ef29\" 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\">Garantir la tenue des charges<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2c11788 e-con-full e-flex e-con e-child\" data-id=\"2c11788\" 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-ce73ba4 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"ce73ba4\" 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-5995b77 elementor-widget__width-inherit elementor-widget-mobile__width-auto elementor-widget elementor-widget-html\" data-id=\"5995b77\" 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=\"#hausteilung-kostet-und-lohnt-sich\" data-timestamp=\"235\">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-9bc2961 e-con-full e-flex e-con e-child\" data-id=\"9bc2961\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f26a9e6 e-con-full e-flex e-con e-child\" data-id=\"f26a9e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b0d285b elementor-widget elementor-widget-text-editor\" data-id=\"b0d285b\" 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>\u00c0 la retraite, les revenus diminuent et les charges financi\u00e8res peuvent peser lourd. Deux solutions : 1) r\u00e9duire sa dette ou 2) contracter un nouvel emprunt pour financer un logement suppl\u00e9mentaire qui apportera un revenu.<br \/>La subdivision permet non seulement de r\u00e9nover et de mettre la maison aux normes, mais aussi de la conserver tout en g\u00e9n\u00e9rant un revenu pour garantir la tenue des charges.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8caff56 elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"8caff56\" 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;autoplay_speed&quot;:7000,&quot;navigation&quot;:&quot;both&quot;,&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-8caff56{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-fe5afb1 elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"fe5afb1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;1&quot;,&quot;effect&quot;:&quot;fade&quot;,&quot;speed&quot;:1,&quot;lazyload&quot;:&quot;yes&quot;,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000}\" data-no-translation=\"\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carrousel d\u2019images\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 3\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/S1-DE.webp\" alt=\"Mit dem Eintritt ins Rentenalter sinkt das Einkommen, sodass die Wohnkosten schwer wiegen k\u00f6nnen.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Mit dem Eintritt ins Rentenalter sinkt das Einkommen, sodass die Wohnkosten schwer wiegen k\u00f6nnen.<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 3\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/S2-DE.webp\" alt=\"Man kann entweder Schulden abbauen\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Man kann entweder Schulden abbauen<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 3\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/S3-DE.webp\" alt=\"oder gezielt neue aufnehmen, um eine zus\u00e4tzliche Wohnung zu schaffen, die Einnahmen bringt.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">oder gezielt neue aufnehmen, um eine zus\u00e4tzliche Wohnung zu schaffen, die Einnahmen bringt.<\/figcaption><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0e6bfb elementor-widget elementor-widget-text-editor\" data-id=\"a0e6bfb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLa subdivision d\u2019une maison est int\u00e9ressante \u00e0 tout \u00e2ge: pour les jeunes m\u00e9nages aussi, la location d\u2019une partie du bien peut am\u00e9liorer la tenue des charges, par exemple en cas de coups durs comme le ch\u00f4mage, un divorce ou un d\u00e9c\u00e8s.\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-8c44a59 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"8c44a59\" 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-83826b8 e-con-full e-flex e-con e-child\" data-id=\"83826b8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54ab8b1 elementor-widget elementor-widget-heading\" data-id=\"54ab8b1\" 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-1638298 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1638298\" 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-8a4e0ac e-con-full e-flex e-con e-child\" data-id=\"8a4e0ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ee6d3eb e-con-full e-flex e-con e-child\" data-id=\"ee6d3eb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0e2af2d elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"0e2af2d\" 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-arrow-right\"><\/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-d61e766 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"d61e766\" 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\">Garder la maison<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e377ec4 e-con-full e-flex e-con e-child\" data-id=\"e377ec4\" 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-e750ffa elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"e750ffa\" 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-01e9720 elementor-widget__width-inherit elementor-widget-mobile__width-auto elementor-widget elementor-widget-html\" data-id=\"01e9720\" 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=\"#hausteilung-kostet-und-lohnt-sich\" data-timestamp=\"345\">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-0d427dd e-con-full e-flex e-con e-child\" data-id=\"0d427dd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-34c0447 e-con-full e-flex e-con e-child\" data-id=\"34c0447\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c52bb9f elementor-widget elementor-widget-text-editor\" data-id=\"c52bb9f\" 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>Lorsqu\u2019une partie du 2\u1d49 pilier est investie dans la maison, la rente vieillesse diminue. Dans cette situation, il peut \u00eatre difficile de garder sa maison. La vente est souvent la seule option consid\u00e9r\u00e9e.\u00a0<\/p><p>Pourtant, il existe d\u2019autres pistes \u00e0 explorer avec des sp\u00e9cialistes\u00a0: investir pour diviser son habitation et cr\u00e9er un revenu compl\u00e9mentaire afin de s\u00e9curiser son bien et de compl\u00e9ter sa rente vieillesse.<\/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-dd59b05 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"dd59b05\" 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-8942389 e-con-full e-flex e-con e-child\" data-id=\"8942389\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb1f5c1 elementor-widget elementor-widget-text-editor\" data-id=\"fb1f5c1\" 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<style>.elementor-element-fb1f5c1{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-5419b21 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5419b21\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-5419b21{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-13edc14 elementor-widget elementor-widget-text-editor\" data-id=\"13edc14\" 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<p>Selina Lehner zitiert die Studie: <em>\u00abNachhaltige Sicherung des Wohnraums im Alter. Wie ticken Personen mit Wohneigentum der Generation 50+?\u00bb<\/em> Holger Hohgardt, Selina Grimm, Tra Mi Cong (ZHAW School of Management and Law) im Auftrag des Bundesamtes f\u00fcr Wohnungswesen, 2019.<\/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-53080cf elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"53080cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\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=\"http:\/\/www.metamorphouse.ch\/wp-content\/uploads\/DE_ManSummary.pdf\">\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\">Managment Summary<\/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=\"http:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Sicherung_Wohnraum_im_Alter_DE_Kurzfassung.pdf\">\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\">Kurzfassung<\/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=\"http:\/\/www.metamorphouse.ch\/wp-content\/uploads\/Sicherung_Wohnraum_im_Alter_DE_Bericht_final.pdf\">\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\">Bericht<\/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-f6846c7 e-con-full e-flex e-con e-child\" data-id=\"f6846c7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a3afa1f e-con-full e-flex e-con e-child\" data-id=\"a3afa1f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ecd4e57 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"ecd4e57\" 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-arrow-right\"><\/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-891bdd8 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"891bdd8\" 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\">Profiter de la plus-value<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f2b4d6 e-con-full e-flex e-con e-child\" data-id=\"4f2b4d6\" 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-4e3ea15 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"4e3ea15\" 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-de4b07b elementor-widget__width-inherit elementor-widget-mobile__width-auto elementor-widget elementor-widget-html\" data-id=\"de4b07b\" 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=\"#hausteilung-kostet-und-lohnt-sich\" data-timestamp=\"442\">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-9757140 e-con-full e-flex e-con e-child\" data-id=\"9757140\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1c6b02a e-con-full e-flex e-con e-child\" data-id=\"1c6b02a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2492735 elementor-widget elementor-widget-text-editor\" data-id=\"2492735\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lorsque la maison prend de la valeur, les charges d\u2019entretien augmentent puisqu\u2019elles repr\u00e9sentent 1% de la valeur du bien. Elles peuvent peser lourd dans la balance entre charges et revenus.<\/p><p>Mais cette valorisation peut servir de levier : en baissant le taux d\u2019endettement, elle permet de financer une subdivision qui paraissait inaccessible.<\/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-209c163 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"209c163\" 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-5e8db9d e-con-full e-flex e-con e-child\" data-id=\"5e8db9d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8646c5f elementor-widget elementor-widget-heading\" data-id=\"8646c5f\" 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-62e0b57 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"62e0b57\" 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-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-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<\/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>Une maison achet\u00e9e \u00e0 750\u202f000 francs dans les ann\u00e9es &rsquo;90 vaut aujourd\u2019hui 1,5\u00a0million.<\/p><p>Les frais d\u2019entretien ont doubl\u00e9 \u00e9galement (puisqu&rsquo;ils repr\u00e9sentent 1% de la valeur du bien) pour passer de 7\u202f500 \u00e0 15\u202f000\u00a0francs.<\/p><p>L&rsquo;augmentation cons\u00e9cutive des charges annuelles demande un revenu suppl\u00e9mentaire de 22\u202f500\u00a0francs (3 x 7\u202f500\u00a0francs) pour garantir la tenue des charges.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4284309 elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"4284309\" 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;autoplay_speed&quot;:7000,&quot;navigation&quot;:&quot;both&quot;,&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-4284309{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-99e4b54 elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"99e4b54\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;1&quot;,&quot;effect&quot;:&quot;fade&quot;,&quot;speed&quot;:1,&quot;lazyload&quot;:&quot;yes&quot;,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000}\" data-no-translation=\"\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carrousel d\u2019images\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 2\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/S4-DE.webp\" alt=\"Die Kosten sowie das f\u00fcr die Tragbarkeit erforderliche Einkommen sind proportional zum Wert der Liegenschaft.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Die Kosten sowie das f\u00fcr die Tragbarkeit erforderliche Einkommen sind proportional zum Wert der Liegenschaft.<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 2\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/S5-DE.webp\" alt=\"Steigt der Wert der Liegenschaft, muss demnach auch das f\u00fcr die Tragbarkeit erforderliche Einkommen steigen.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Steigt der Wert der Liegenschaft, muss demnach auch das f\u00fcr die Tragbarkeit erforderliche Einkommen steigen.<\/figcaption><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aebfa14 elementor-widget elementor-widget-text-editor\" data-id=\"aebfa14\" 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>En m\u00eame temps, le taux d\u2019endettement a baiss\u00e9 de moiti\u00e9 : une dette de 500\u202f000 francs tombe de 66\u202f% \u00e0 33\u202f%.<\/p><p>Il est alors \u00e0 nouveau possible de lever une hypoth\u00e8que pour investir dans une subdivision qui va produire un revenu pour garantir la tenue des charges ainsi que de r\u00e9aliser des travaux n\u00e9cessaires pour le maintien de la valeur du bien.<\/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-d528cd1 elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"d528cd1\" 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;autoplay_speed&quot;:7000,&quot;navigation&quot;:&quot;both&quot;,&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-d528cd1{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-5adcf3f elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"5adcf3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;1&quot;,&quot;effect&quot;:&quot;fade&quot;,&quot;speed&quot;:1,&quot;lazyload&quot;:&quot;yes&quot;,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000}\" data-no-translation=\"\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carrousel d\u2019images\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 5\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/S6.1-DE.webp\" alt=\"Ein \u00fcblicher Verschuldungsgrad liegt bei zwei Dritteln des Immobilienwerts.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Ein \u00fcblicher Verschuldungsgrad liegt bei zwei Dritteln des Immobilienwerts.<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 5\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/S6.2-DE.webp\" alt=\"Das entspricht 66%.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Das entspricht 66%.<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 5\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/S7.1-DE.webp\" alt=\"Hat sich der Wert der Immobilie seit dem Kauf verdoppelt,\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Hat sich der Wert der Immobilie seit dem Kauf verdoppelt,<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"4 of 5\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/S7.2-DE.webp\" alt=\"sinkt der Verschuldungsgrad auf 33 %.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">sinkt der Verschuldungsgrad auf 33 %.<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"5 of 5\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/www.metamorphouse.ch\/wp-content\/uploads\/S8-DE.webp\" alt=\"Somit steht eine zus\u00e4tzliche Verschuldungskapazit\u00e4t zur Verf\u00fcgung.\" \/><div class=\"swiper-lazy-preloader\"><\/div><figcaption class=\"elementor-image-carousel-caption\">Somit steht eine zus\u00e4tzliche Verschuldungskapazit\u00e4t zur Verf\u00fcgung.<\/figcaption><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f2d051f e-con-full e-flex e-con e-child\" data-id=\"f2d051f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b5091ee e-con-full e-flex e-con e-child\" data-id=\"b5091ee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc6cc31 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"cc6cc31\" 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-arrow-right\"><\/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-c097af7 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"c097af7\" 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\">Acc\u00e9der \u00e0 la propri\u00e9t\u00e9<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0ad6bca e-con-full e-flex e-con e-child\" data-id=\"0ad6bca\" 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-7dda632 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"7dda632\" 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-8968d3f elementor-widget__width-inherit elementor-widget-mobile__width-auto elementor-widget elementor-widget-html\" data-id=\"8968d3f\" 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=\"#hausteilung-kostet-und-lohnt-sich\" data-timestamp=\"292\">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-e2f94e2 e-con-full e-flex e-con e-child\" data-id=\"e2f94e2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2dbfba8 e-con-full e-flex e-con e-child\" data-id=\"2dbfba8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e954f04 elementor-widget elementor-widget-text-editor\" data-id=\"e954f04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLa hausse des prix immobiliers est \u00e9galement probl\u00e9matique pour la jeune g\u00e9n\u00e9ration : l\u2019acquisition d\u2019une maison individuelle devient de plus en plus difficile. Acheter une maison \u00e0 plusieurs m\u00e9nages, la subdiviser et partager les co\u00fbts est une piste \u00e0 explorer.\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-8496e48 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"8496e48\" 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-2aed091 e-con-full e-flex e-con e-child\" data-id=\"2aed091\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e44ec81 e-con-full e-flex e-con e-child\" data-id=\"e44ec81\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-815b749 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"815b749\" 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-arrow-right\"><\/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-e3be0b0 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"e3be0b0\" 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\">Pr\u00e9parer la succession<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f8da5a5 e-con-full e-flex e-con e-child\" data-id=\"f8da5a5\" 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-8d0619b elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"8d0619b\" 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-a0af25a elementor-widget__width-inherit elementor-widget-mobile__width-auto elementor-widget elementor-widget-html\" data-id=\"a0af25a\" 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=\"#hausteilung-kostet-und-lohnt-sich\" data-timestamp=\"543\">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-bc6b172 e-con-full e-flex e-con e-child\" data-id=\"bc6b172\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-238d4e7 e-con-full e-flex e-con e-child\" data-id=\"238d4e7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f0159a elementor-widget elementor-widget-text-editor\" data-id=\"4f0159a\" 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 hausse des prix de l\u2019immobilier fait qu\u2019en cas de succession, aucun\u00b7e h\u00e9ritier\u00b7\u00e8re n\u2019est souvent en mesure de reprendre seul le bien et de racheter les parts des coh\u00e9ritiers. En revanche, si la maison comprend deux logements, d\u2019autres solutions que la vente peuvent \u00eatre envisag\u00e9es.<\/p><p>Pour les parents propri\u00e9taires, engager la discussion avec la famille et avec des sp\u00e9cialistes permet de trouver une solution qui corresponde \u00e0 leurs aspirations.<\/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-bca9d5a e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"bca9d5a\" 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-ca7fd14 e-con-full e-flex e-con e-child\" data-id=\"ca7fd14\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0fa8448 elementor-widget__width-initial elementor-widget elementor-widget-template\" data-id=\"0fa8448\" 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<div class=\"elementor-element elementor-element-7c83a7c e-con-full e-flex e-con e-child\" data-id=\"7c83a7c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-aed1842 e-con-full e-flex e-con e-child\" data-id=\"aed1842\" 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-45a0892 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"45a0892\" 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\t\t<div class=\"elementor-element elementor-element-f66dc2f elementor-widget elementor-widget-text-editor\" data-id=\"f66dc2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Selina Lehner<\/strong>, <a href=\"https:\/\/www.zhaw.ch\/de\/sml\" target=\"_blank\" rel=\"noopener\"><span class=\"person-worksfor\">ZHAW<\/span>\u00a0<\/a><span class=\"person-affiliation\">School of Management and Law, Winterthur<\/span><br \/><strong>Bernhard Stoll<\/strong>, <a href=\"https:\/\/www.tophypo.ch\/\" target=\"_blank\" rel=\"noopener\">topHYPO AG<\/a>, Conseil en financement immobilier, Berne<br \/><strong>Pr. Philippe Thalmann<\/strong>, <a href=\"https:\/\/people.epfl.ch\/philippe.thalmann\" target=\"_blank\" rel=\"noopener\">EPFL<\/a>, Lausanne<br \/><strong>Diego Seoane<\/strong>, <a href=\"https:\/\/plus-group.ch\/\" target=\"_blank\" rel=\"noopener\">Groupe Plus<\/a>, Conseil en financement immobilier, Lausanne<br \/><strong>Jessica Thibaud<\/strong>, <a href=\"https:\/\/www.bas.ch\/fr\" target=\"_blank\" rel=\"noopener\">Banque Alternative Suisse<\/a>, Lausanne<br \/><strong>Stefan Marthaler<\/strong>, <a href=\"https:\/\/www.tophypo.ch\/\" target=\"_blank\" rel=\"noopener\">topHYPO AG<\/a>, Conseil en financement immobilier, Berne<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Financement La subdivision co\u00fbte\u2026 et rapporte! Introduction Financer les travaux Renover la maison Garantir la tenue des charges Acc\u00e9der \u00e0 la propri\u00e9t\u00e9 Garder la maison Profiter de la plus-value Pr\u00e9parer la succession Einleitung Baukosten finanzieren Haus sanieren Tragbarkeit sichern Wohneigentum erwerben Haus behalten k\u00f6nnen Vom Mehrwert profitieren Haus vererben La subdivision co\u00fbte\u2026 et rapporte! [&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-20856","post","type-post","status-publish","format-standard","hentry","category-themes"],"_links":{"self":[{"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/posts\/20856","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=20856"}],"version-history":[{"count":184,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/posts\/20856\/revisions"}],"predecessor-version":[{"id":21855,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/posts\/20856\/revisions\/21855"}],"wp:attachment":[{"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/media?parent=20856"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/categories?post=20856"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.metamorphouse.ch\/de\/wp-json\/wp\/v2\/tags?post=20856"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}