Mortgage Calculator<\/title>\n <link rel=\"stylesheet\" href=\"styles.css\">\n<\/head>\n<body>\n <div class=\"mortgage-calculator\">\n <div class=\"left-column\">\n <div class=\"input-group\">\n <label for=\"prixAchat\">\n Property purchase price\n <i class=\"fas fa-info-circle info-icon\"><\/i>\n <span class=\"info-text\">The total purchase price of the property to be acquired.<\/span>\n <\/label>\n <div class=\"input-wrapper\">\n <input type=\"text\" id=\"prixAchatValue\" value=\"1'000'000\" oninput=\"formatInput(this, 'prixAchat')\">\n <input type=\"range\" id=\"prixAchat\" min=\"500000\" max=\"3000000\" value=\"1000000\" step=\"10000\" oninput=\"updateValue('prixAchatValue', this.value)\">\n <\/div>\n <\/div>\n\n <div class=\"input-group\">\n <label for=\"revenuMenage\">\n Household income\n <i class=\"fas fa-info-circle info-icon\"><\/i>\n <span class=\"info-text\">Your annual income and that of your partner, including 13th salary and bonus.<\/span>\n <\/label>\n <div class=\"input-wrapper\">\n <input type=\"text\" id=\"revenuMenageValue\" value=\"170'000\" oninput=\"formatInput(this, 'revenuMenage')\">\n <input type=\"range\" id=\"revenuMenage\" min=\"100000\" max=\"500000\" value=\"170000\" step=\"10000\" oninput=\"updateValue('revenuMenageValue', this.value)\">\n <\/div>\n <\/div>\n\n <div class=\"input-group\">\n <label for=\"fondsPropres\">\n Shareholders' equity\n <i class=\"fas fa-info-circle info-icon\"><\/i>\n <span class=\"info-text\">Shareholders' equity must be at least 20%.<\/span>\n <\/label>\n <div class=\"input-wrapper\">\n <input type=\"text\" id=\"fondsPropresValue\" value=\"200'000\" oninput=\"formatInput(this, 'fondsPropres')\">\n <input type=\"range\" id=\"fondsPropres\" min=\"100000\" max=\"1000000\" value=\"200000\" step=\"10000\" oninput=\"updateValue('fondsPropresValue', this.value)\">\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"divider\"><\/div>\n\n <div class=\"right-column\">\n <div class=\"circle-info-wrapper\">\n <div class=\"circle-wrapper\">\n <div class=\"circle-container\">\n <img decoding=\"async\" src=\"https:\/\/fidulex.ch\/wp-content\/uploads\/2024\/09\/House-icon.png\" alt=\"House Icon\" class=\"house-icon\" title=\"\">\n <svg class=\"progress-circle\" viewbox=\"0 0 36 36\">\n <path class=\"circle-bg\"\n d=\"M18 2.0845 a 15.9155 15.9155 0 0 1 0 31.831 a 15.9155 15.9155 0 0 1 0 -31.831\"\/>\n <path id=\"circleProgress\"\n class=\"circle\"\n stroke-dasharray=\"0, 100\"\n d=\"M18 2.0845 a 15.9155 15.9155 0 0 1 0 31.831 a 15.9155 15.9155 0 0 1 0 -31.831\"\/>\n <\/svg>\n <\/div>\n <\/div>\n\n <div class=\"circle-info\">\n <p><strong>Mortgage<\/strong> <span id=\"hypothequeValue\" class=\"hypotheque-value\">80%<\/span><\/p>\n <p><strong>Shareholders' equity:<\/strong> <span id=\"fondsPropresValuePercentage\" class=\"fonds-propres-value\">20%<\/span><\/p>\n <\/div>\n <div id=\"resultMessage\" class=\"result-message\">\n <p id=\"resultStatus\" class=\"result-status\"><\/p>\n <hr class=\"custom-hr\">\n <p><span id=\"fondsIcon\" class=\"icon icon-cross-circle\"><\/span> <span id=\"fondsText\">Insufficient equity capital<\/span><\/p>\n <p><span id=\"revenuIcon\" class=\"icon icon-cross-circle\"><\/span> <span id=\"revenuText\">Gross annual income is insufficient<\/span><\/p>\n <hr class=\"custom-hr\">\n <p>Loan amount: <span id=\"empruntAmount\" class=\"emprunt-amount\">CHF 800'000<\/span><\/p>\n\n <\/div>\n <\/div>\n <\/div>\n\n <script>\n function formatInput(inputElement, sliderId) {\n let value = inputElement.value.replace(\/[^0-9]\/g, '');\n value = parseInt(value).toLocaleString('de-CH');\n inputElement.value = value;\n syncSlider(sliderId, inputElement.value);\n }\n\n function syncSlider(sliderId, inputValue) {\n const numericValue = parseInt(inputValue.replace(\/'\/g, '').trim());\n document.getElementById(sliderId).value = numericValue;\n validateForm();\n }\n\n function updateValue(elementId, value) {\n document.getElementById(elementId).value = parseInt(value).toLocaleString('de-CH');\n validateForm();\n }\n\n function validateForm() {\n const prixAchat = parseInt(document.getElementById('prixAchat').value.replace(\/'\/g, ''));\n const revenuMenage = parseInt(document.getElementById('revenuMenage').value.replace(\/'\/g, ''));\n const fondsPropres = parseInt(document.getElementById('fondsPropres').value.replace(\/'\/g, ''));\n\n const apportMinimum = prixAchat * 0.2;\n const estValideApport = fondsPropres >= apportMinimum;\n const chargeHypothecaire = (prixAchat * 0.8 * 0.05) + (prixAchat * 0.01);\n const tauxEndettement = chargeHypothecaire \/ revenuMenage <= 0.33;\n const hypotheque = 100 - (fondsPropres \/ prixAchat) * 100;\n\n document.getElementById('hypothequeValue').innerText = `${Math.round(hypotheque)}%`;\n document.getElementById('fondsPropresValuePercentage').innerText = `${Math.round(fondsPropres \/ prixAchat * 100)}%`;\n document.getElementById('empruntAmount').innerText = `CHF ${(prixAchat * (hypotheque \/ 100)).toLocaleString('de-CH')}`;\n\n const circle = document.getElementById('circleProgress');\n const fondsIcon = document.getElementById('fondsIcon');\n const revenuIcon = document.getElementById('revenuIcon');\n const fondsText = document.getElementById('fondsText');\n const revenuText = document.getElementById('revenuText');\n const resultStatus = document.getElementById('resultStatus');\n\n let circleStroke = 0;\n resultStatus.innerHTML = ''; \/\/ Clear previous status\n\n if (estValideApport && tauxEndettement) {\n circleStroke = 100;\n circle.style.stroke = 'green';\n fondsIcon.className = \"icon icon-checkmark-circle\";\n fondsText.innerText = \"Les fonds propres sont suffisants\";\n revenuIcon.className = \"icon icon-checkmark-circle\";\n revenuText.innerText = \"Le revenu brut annuel est suffisant\";\n resultStatus.innerText = \"Tout est en ordre !\";\n } else if (!estValideApport) {\n circleStroke = 25;\n circle.style.stroke = 'red';\n fondsIcon.className = \"icon icon-cross-circle\";\n fondsText.innerText = \"Les fonds propres sont insuffisants\";\n resultStatus.innerText = \"Les conditions ne sont pas remplies\";\n } else if (!tauxEndettement) {\n circleStroke = 75;\n circle.style.stroke = 'orange';\n revenuIcon.className = \"icon icon-cross-circle\";\n revenuText.innerText = \"Le revenu brut annuel est insuffisant\";\n resultStatus.innerText = \"Les conditions ne sont pas remplies\";\n }\n\n circle.style.strokeDasharray = `${circleStroke}, 100`;\n }\n <\/script>\n<\/body>\n<\/html>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d2c77f4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d2c77f4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a695a7d\" data-id=\"a695a7d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a40fbfb elementor-widget elementor-widget-text-editor\" data-id=\"a40fbfb\" 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>To simulate a mortgage in Switzerland, you can use our online calculator, where you'll need to add the price of the home, your own funds, and your household income. Household income is calculated at a rate of 5%, to ensure that monthly expenses can be met. As for your own funds, they must amount to at least 20% of the total price of the property. <\/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-56b94ca elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"56b94ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"430\" src=\"https:\/\/fidulex.ch\/wp-content\/uploads\/2024\/09\/simulateur-hypotheque-e1725372931912-1024x551.jpg\" class=\"attachment-large size-large wp-image-36633\" alt=\"Mortgage simulator\" srcset=\"https:\/\/fidulex.ch\/wp-content\/uploads\/2024\/09\/simulateur-hypotheque-e1725372931912-1024x551.jpg 1024w, https:\/\/fidulex.ch\/wp-content\/uploads\/2024\/09\/simulateur-hypotheque-e1725372931912-300x161.jpg 300w, https:\/\/fidulex.ch\/wp-content\/uploads\/2024\/09\/simulateur-hypotheque-e1725372931912-768x413.jpg 768w, https:\/\/fidulex.ch\/wp-content\/uploads\/2024\/09\/simulateur-hypotheque-e1725372931912-1536x827.jpg 1536w, https:\/\/fidulex.ch\/wp-content\/uploads\/2024\/09\/simulateur-hypotheque-e1725372931912-18x10.jpg 18w, https:\/\/fidulex.ch\/wp-content\/uploads\/2024\/09\/simulateur-hypotheque-e1725372931912.jpg 1600w\" sizes=\"(max-width: 800px) 100vw, 800px\" title=\"\">\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-6de9076 elementor-widget elementor-widget-heading\" data-id=\"6de9076\" 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\">Calculating shareholders' equity<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0a0a26 elementor-widget elementor-widget-text-editor\" data-id=\"f0a0a26\" 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>In Switzerland, banks require a personal contribution of<strong> 20 %<\/strong> of the property value. Of this 20 %, at least 10 % must come from your own funds (personal savings) and not from another loan. The remaining 10% can come from <strong><a href=\"https:\/\/fidulex.ch\/en\/2nd-pillar-in-switzerland-how-it-works\/\">2nd pillar<\/a><\/strong>. It is also possible to withdraw your 3rd pillar assets entirely. By taking all these factors into account, you can calculate your <strong>equity<\/strong>.<\/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-c86bb6a elementor-widget elementor-widget-heading\" data-id=\"c86bb6a\" 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\">Calculate mortgage amount<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e83beb elementor-widget elementor-widget-text-editor\" data-id=\"0e83beb\" 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>The mortgage is generally equal to <strong>80 %<\/strong> of the property's value. If the property is worth CHF 1,000,000, the mortgage would be CHF 800,000. It's also possible to make a larger contribution, depending on your financial situation. <strong>personal situation<\/strong> financial. This can be particularly interesting if interest rates become very high.<\/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-ef959af elementor-widget elementor-widget-heading\" data-id=\"ef959af\" 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\">Choosing the type of mortgage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43f91aa elementor-widget elementor-widget-text-editor\" data-id=\"43f91aa\" 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>There are several types of mortgage with different rates. The <strong>interest rate<\/strong> will depend on the type of mortgage you choose and market conditions. You can obtain these rates from the banks or make a comparison. Here's an overview of possible mortgage types:<\/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-e2ac029 elementor-widget elementor-widget-heading\" data-id=\"e2ac029\" 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\">Fixed-rate mortgage<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b34ac0c elementor-widget elementor-widget-text-editor\" data-id=\"b34ac0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A fixed-rate mortgage is a mortgage where the interest rate is fixed for a specific period of time. <strong>fixed term<\/strong>which can vary between <strong>2 and 15 years<\/strong>or even longer. During this period, the rate does not change, which means that your monthly payments will remain constant, regardless of market fluctuations.<\/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-56c9c8b elementor-widget elementor-widget-heading\" data-id=\"56c9c8b\" 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\">Variable-rate mortgage<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e915255 elementor-widget elementor-widget-text-editor\" data-id=\"e915255\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A variable-rate mortgage has an interest rate that can change over time. <strong>periodically<\/strong> based on financial market conditions. The rate is generally revised every <strong>3 or 6 months<\/strong> based on reference interest rates. If interest rates fall, your monthly payments may fall, but if they rise, your payments may rise.<\/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-7a0d3e9 elementor-widget elementor-widget-heading\" data-id=\"7a0d3e9\" 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\">SARON mortgage<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47d4376 elementor-widget elementor-widget-text-editor\" data-id=\"47d4376\" 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>The <strong>SARON<\/strong> (Swiss Average Rate Overnight) is a reference rate that has replaced LIBOR in Switzerland for variable-rate mortgages. SARON reflects the interest rate on very high-yield loans. <strong>short-term<\/strong> (overnight) between Swiss banks. Mortgages based on SARON have an interest rate that fluctuates according to this reference rate. In times of low interest rates, SARON mortgages may offer more attractive terms, but it's important to bear in mind that there is a risk that the interest rate may fall. <strong>sudden increase<\/strong> exists.<\/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-a02fef5 elementor-widget elementor-widget-heading\" data-id=\"a02fef5\" 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\">Notary and registration fees<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dd663a elementor-widget elementor-widget-text-editor\" data-id=\"5dd663a\" 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>In Switzerland, notary fees generally vary between 0.5 % and 2 % of the property value, depending on the canton. They must be added to the equity. In addition <strong>registration fees<\/strong> Land registry fees covering the registration of the property in your name also vary from canton to canton, and represent 0.2 % to 1 % of the purchase price.<\/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-45d34f2 elementor-widget elementor-widget-heading\" data-id=\"45d34f2\" 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\">Depreciation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb73214 elementor-widget elementor-widget-text-editor\" data-id=\"fb73214\" 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>There are two main amortization methods: direct amortization and indirect amortization, designed to gradually repay the borrowed capital, plus interest, over a given period.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-809c24b elementor-widget elementor-widget-heading\" data-id=\"809c24b\" 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\">Direct Depreciation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39ac9f1 elementor-widget elementor-widget-text-editor\" data-id=\"39ac9f1\" 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>With direct amortization, the mortgage amount gradually decreases over the years. Each payment you make reduces both the principal amount of the<strong>mortgage<\/strong> (capital) and <strong>interest<\/strong>. Each capital repayment<strong> reduced<\/strong> directly <strong>total amount<\/strong> of the mortgage, resulting in lower interest payments in subsequent periods.<\/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-ad3e17f elementor-widget elementor-widget-heading\" data-id=\"ad3e17f\" 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\">Indirect Depreciation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32fc191 elementor-widget elementor-widget-text-editor\" data-id=\"32fc191\" 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>With indirect amortization, you don't pay down the mortgage principal directly. Instead, you put the amount you would have used to repay the principal into a <strong>savings account<\/strong> linked to retirement provision, usually a Pillar 3a account. At the end of the amortization period, the amount saved is used to<strong> reimburse<\/strong> all or part of the mortgage.<\/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-29ef9aa elementor-widget elementor-widget-heading\" data-id=\"29ef9aa\" 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\">Frequently Asked Questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70521e0 elementor-widget elementor-widget-toggle\" data-id=\"70521e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1171\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1171\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"icon icon-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened icon icon-circle-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What are transfer duties and how are they calculated?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1171\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1171\"><p>Transfer duties, also known as<strong> transfer taxes<\/strong>are levied on the transfer of a property. The rate varies from canton to canton, generally between <strong>1 % and 3.3 %<\/strong> of the value of the property.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1172\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1172\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"icon icon-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened icon icon-circle-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What is the rental value tax?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1172\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1172\"><p>The <a href=\"https:\/\/fidulex.ch\/en\/how-rental-value-works-2\/\"><strong>rental value<\/strong><\/a> is a fictitious income that the tax authorities consider you generate by living in your own house or apartment.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1173\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1173\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"icon icon-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened icon icon-circle-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What are the current interest rates?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1173\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1173\"><p>Interest rates range from <strong>1.3% to 2.5%<\/strong> and vary according to the type of mortgage chosen.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1174\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1174\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"icon icon-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened icon icon-circle-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What's the difference between direct and indirect amortization of a mortgage?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1174\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1174\"><p>With direct amortization, you repay a portion of your mortgage principal directly with each payment. With indirect amortization, you don't repay the mortgage principal directly. Instead, you invest the money you would have used to repay the debt in a pension account (pillar 3a account).<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\n \"@context\": \"https:\\\/\\\/schema.org\",\n \"@type\": \"FAQPage\",\n \"mainEntity\": [\n {\n \"@type\": \"Question\",\n \"name\": \"Qu'est-ce que les droits de mutation et comment sont-ils calcul\\u00e9s ?\",\n \"acceptedAnswer\": {\n \"@type\": \"Answer\",\n \"text\": \"<p>Les droits de mutation, \\u00e9galement appel\\u00e9s<strong> imp\\u00f4ts de mutation<\\\/strong>, sont per\\u00e7us lors du transfert d’une propri\\u00e9t\\u00e9. Le taux varie selon les cantons, g\\u00e9n\\u00e9ralement entre <strong>1 % et 3.3 %<\\\/strong> de la valeur du bien immobilier.<\\\/p>\"\n }\n },\n {\n \"@type\": \"Question\",\n \"name\": \"Qu'est-ce que l'imp\\u00f4t sur la valeur locative ?\",\n \"acceptedAnswer\": {\n \"@type\": \"Answer\",\n \"text\": \"<p>La <a href=\\\"https:\\\/\\\/fidulex.ch\\\/la-valeur-locative-comment-ca-marche\\\/\\\"><strong>valeur locative<\\\/strong><\\\/a> est un revenu fictif que l’administration fiscale consid\\u00e8re que vous g\\u00e9n\\u00e9rez en habitant votre propre maison ou appartement.<\\\/p>\"\n }\n },\n {\n \"@type\": \"Question\",\n \"name\": \"Quels sont les taux d'int\\u00e9r\\u00eats actuels ?\",\n \"acceptedAnswer\": {\n \"@type\": \"Answer\",\n \"text\": \"<p>Les taux d’int\\u00e9r\\u00eats vont de <strong>1.3% \\u00e0 2.5%<\\\/strong> et varient en fonction du type d’hypoth\\u00e8que choisie.<\\\/p>\"\n }\n },\n {\n \"@type\": \"Question\",\n \"name\": \"Quelle est la diff\\u00e9rence entre l'amortissement direct et indirect d'une hypoth\\u00e8que ?\",\n \"acceptedAnswer\": {\n \"@type\": \"Answer\",\n \"text\": \"<p>Avec l’amortissement direct, vous remboursez directement une partie du capital de votre hypoth\\u00e8que \\u00e0 chaque paiement. Avec l’amortissement indirect, vous ne remboursez pas directement le capital de l’hypoth\\u00e8que. Au lieu de cela, vous placez l’argent que vous auriez utilis\\u00e9 pour rembourser la dette dans un compte de pr\\u00e9voyance (compte pilier 3a).<\\\/p>\"\n }\n }\n ]\n}<\/script>\n\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8476779\" data-id=\"8476779\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4a2f3cd elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4a2f3cd\" data-element_type=\"section\" data-e-type=\"section\" 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