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 Prix d'achat du bien immobilier\n <i class=\"fas fa-info-circle info-icon\"><\/i>\n <span class=\"info-text\">Le prix d'achat total du bien \u00e0 acqu\u00e9rir.<\/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 Revenu du m\u00e9nage\n <i class=\"fas fa-info-circle info-icon\"><\/i>\n <span class=\"info-text\">Votre revenu annuel ainsi que celui du partenaire, 13e salaire et bonus inclus.<\/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 Fonds propres\n <i class=\"fas fa-info-circle info-icon\"><\/i>\n <span class=\"info-text\">Les fonds propres \u00e0 apporter doivent \u00eatre de 20% au minimum.<\/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\n a 15.9155 15.9155 0 0 1 0 31.831\n 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\n a 15.9155 15.9155 0 0 1 0 31.831\n 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>Hypoth\u00e8que<\/strong> <span id=\"hypothequeValue\" class=\"hypotheque-value\">80%<\/span><\/p>\n <p><strong>Fonds propres:<\/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\">Les fonds propres sont insuffisants<\/span><\/p>\n <p><span id=\"revenuIcon\" class=\"icon icon-cross-circle\"><\/span> <span id=\"revenuText\">Le revenu brut annuel est insuffisant<\/span><\/p>\n <hr class=\"custom-hr\">\n <p>Montant de l'emprunt: <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>Pour simuler une hypoth\u00e8que en Suisse, vous pouvez utiliser notre calculateur en ligne, o\u00f9 vous devrez ajouter le prix du logement, vos fonds propres, ainsi que le revenu de votre m\u00e9nage. Le revenu du m\u00e9nage est calcul\u00e9 selon un taux de 5% et permet de s’assurer que les charges mensuelles pourront \u00eatre support\u00e9es. Les fonds propres, quant \u00e0 eux, doivent s’\u00e9lever \u00e0 20% du prix total du bien immobilier (au minimum). <\/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=\"Simulateur hypoth\u00e8que\" 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\">Calcul des fonds propres<\/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>En Suisse, les banques exigent un apport personnel de<strong> 20 %<\/strong> de la valeur de la propri\u00e9t\u00e9. Sur ces 20 %, au moins 10 % doivent provenir de fonds propres (\u00e9pargne personnelle) et non d’un autre pr\u00eat. Les 10% restants peuvent provenir du <strong><a href=\"https:\/\/fidulex.ch\/2eme-pilier-en-suisse-comment-ca-marche\/\">2eme pilier<\/a><\/strong>. Il est \u00e9galement possible de retirer ses avoir du 3e pilier enti\u00e8rement. En prenant tous ces \u00e9l\u00e9ments en compte, vous pourrez faire le calcul de vos <strong>fonds propres<\/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\">Calculer le montant de l'hypoth\u00e8que<\/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>L’hypoth\u00e8que est g\u00e9n\u00e9ralement \u00e9gale \u00e0 <strong>80 %<\/strong> de la valeur de la propri\u00e9t\u00e9. Si la propri\u00e9t\u00e9 vaut 1 000 000 CHF, l’hypoth\u00e8que serait de 800 000 CHF. Il est \u00e9galement possible de faire un apport plus important en fonction de votre <strong>situation<\/strong> financi\u00e8re. Cela peut \u00eatre particuli\u00e8rement int\u00e9ressant si les taux d’int\u00e9r\u00eats deviennent tr\u00e8s \u00e9lev\u00e9s.<\/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\">Choisir le type d'hypoth\u00e8que<\/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>Il existe plusieurs types d’hypoth\u00e8ques avec des taux diff\u00e9rents. Le <strong>taux d’int\u00e9r\u00eat<\/strong> d\u00e9pendra donc du type d’hypoth\u00e8que choisi et des conditions du march\u00e9. Vous pouvez obtenir ces taux aupr\u00e8s des banques ou faire un comparatif. Voici un aper\u00e7u des types d’hypoth\u00e8ques possibles:<\/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\">Hypoth\u00e8que \u00e0 taux fixe<\/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>Une hypoth\u00e8que \u00e0 taux fixe est un pr\u00eat hypoth\u00e9caire o\u00f9 le taux d’int\u00e9r\u00eat est fix\u00e9 pour une <strong>dur\u00e9e d\u00e9termin\u00e9e<\/strong>, qui peut varier entre <strong>2 et 15 ans<\/strong>, voire plus. Pendant cette p\u00e9riode, le taux ne change pas, ce qui signifie que vos paiements mensuels resteront constants, ind\u00e9pendamment des fluctuations du march\u00e9.<\/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\">Hypoth\u00e8que \u00e0 taux variable<\/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>Une hypoth\u00e8que \u00e0 taux variable a un taux d’int\u00e9r\u00eat qui peut changer <strong>p\u00e9riodiquement<\/strong> en fonction des conditions du march\u00e9 financier. Le taux est g\u00e9n\u00e9ralement r\u00e9vis\u00e9 tous les <strong>3 ou 6 mois<\/strong> en fonction des taux d’int\u00e9r\u00eat de r\u00e9f\u00e9rence. Si les taux d’int\u00e9r\u00eat baissent, vos paiements mensuels peuvent diminuer, en revanche, vos paiements peuvent augmenter si les taux d’int\u00e9r\u00eat montent.<\/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\">Hypoth\u00e8que SARON<\/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>Le <strong>SARON<\/strong> (Swiss Average Rate Overnight) est un taux de r\u00e9f\u00e9rence qui a remplac\u00e9 le LIBOR en Suisse pour les pr\u00eats hypoth\u00e9caires \u00e0 taux variable. Le SARON refl\u00e8te le taux d’int\u00e9r\u00eat des pr\u00eats \u00e0 tr\u00e8s <strong>court terme<\/strong> (overnight) entre les banques suisses. Les hypoth\u00e8ques bas\u00e9es sur le SARON ont un taux d’int\u00e9r\u00eat qui fluctue en fonction de ce taux de r\u00e9f\u00e9rence. En p\u00e9riode de taux bas, les hypoth\u00e8ques SARON peuvent offrir des conditions plus avantageuses, mais il faut garder en t\u00eate qu’un risque de <strong>hausse soudaine<\/strong> existe.<\/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\">Frais de notaire et d'enregistrement<\/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>En Suisse, les frais de notaire varient g\u00e9n\u00e9ralement entre 0,5 % et 2 % de la valeur de la propri\u00e9t\u00e9, selon le canton. Il devront \u00eatre ajout\u00e9s aux fonds propres. De plus, des <strong>frais d’enregistrement<\/strong> au registre foncier couvrant l’enregistrement de la propri\u00e9t\u00e9 \u00e0 votre nom varient aussi selon le canton et repr\u00e9sentent 0,2 % \u00e0 1 % du prix d’achat.<\/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\">Amortissements<\/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>Il existe deux principales m\u00e9thodes d’amortissement : l’amortissement direct et l’amortissement indirect, destin\u00e9es \u00e0 rembourser progressivement le capital emprunt\u00e9, en plus des int\u00e9r\u00eats, sur une p\u00e9riode donn\u00e9e.\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\">Amortissement direct<\/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>Avec l’amortissement direct, le montant du pr\u00eat hypoth\u00e9caire diminue progressivement au fil des ann\u00e9es. Chaque paiement que vous effectuez r\u00e9duit \u00e0 la fois le montant principal de l’<strong>hypoth\u00e8que<\/strong> (le capital) et les <strong>int\u00e9r\u00eats<\/strong>. Chaque remboursement du capital<strong> r\u00e9duit<\/strong> directement le <strong>montant total<\/strong> de l’hypoth\u00e8que, ce qui entra\u00eene une diminution des int\u00e9r\u00eats \u00e0 payer lors des p\u00e9riodes suivantes.<\/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\">Amortissement indirect<\/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>Avec l’amortissement indirect, vous ne remboursez pas directement le capital de l’hypoth\u00e8que. \u00c0 la place, vous placez le montant que vous auriez utilis\u00e9 pour rembourser le capital dans un <strong>compte d’\u00e9pargne<\/strong> li\u00e9 \u00e0 la pr\u00e9voyance, g\u00e9n\u00e9ralement un compte du pilier 3a. \u00c0 la fin de la p\u00e9riode d’amortissement, le montant \u00e9pargn\u00e9 est utilis\u00e9 pour<strong> rembourser<\/strong> tout ou partie de l’hypoth\u00e8que.<\/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\">Questions fr\u00e9quentes<\/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\">Qu'est-ce que les droits de mutation et comment sont-ils calcul\u00e9s ?<\/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>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><\/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\">Qu'est-ce que l'imp\u00f4t sur la valeur locative ?<\/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>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><\/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\">Quels sont les taux d'int\u00e9r\u00eats actuels ?<\/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>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><\/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\">Quelle est la diff\u00e9rence entre l'amortissement direct et indirect d'une hypoth\u00e8que ?<\/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>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><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Qu'est-ce que les droits de mutation et comment sont-ils calcul\\u00e9s ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"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>\"}},{\"@type\":\"Question\",\"name\":\"Qu'est-ce que l'imp\\u00f4t sur la valeur locative ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"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>\"}},{\"@type\":\"Question\",\"name\":\"Quels sont les taux d'int\\u00e9r\\u00eats actuels ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"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>\"}},{\"@type\":\"Question\",\"name\":\"Quelle est la diff\\u00e9rence entre l'amortissement direct et indirect d'une hypoth\\u00e8que ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Avec l’amortissement direct, vous remboursez directement une partie du capital de votre hypoth\\u00e8que \\u00e0 chaque paiement. 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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>\"}}]}<\/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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aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_whatsapp\" role=\"button\" tabindex=\"0\" aria-label=\"Partager sur whatsapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-whatsapp\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_print\" role=\"button\" tabindex=\"0\" aria-label=\"Partager sur print\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fas fa-print\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\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<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Our mortgage simulator lets you easily calculate your borrowing capacity and monthly 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