{"id":2140,"date":"2025-06-11T07:39:26","date_gmt":"2025-06-11T07:39:26","guid":{"rendered":"http:\/\/invexa.ch\/?p=2140"},"modified":"2025-06-18T09:32:12","modified_gmt":"2025-06-18T09:32:12","slug":"taux-hypothecaires-suisses","status":"publish","type":"post","link":"https:\/\/invexa.ch\/fr\/finances\/hypotheque\/taux-hypothecaires-suisses\/","title":{"rendered":"Taux hypoth\u00e9caires suisses"},"content":{"rendered":"\t\t
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Etat au 11.06.2025<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\n\n \n \n Taux hypoth\u00e9caires<\/title>\n <link rel=\"stylesheet\" href=\"styles.css\" \/>\n<\/head>\n<body>\n\n <div class=\"container\">\n\n <!-- Variable Rates -->\n <div class=\"section\">\n <h2>Taux variable<\/h2>\n <table>\n <thead>\n <tr>\n <th>Prestataire<\/th>\n <th>Taux variable<\/th>\n <\/tr>\n <\/thead>\n <tbody id=\"variableRatesBody\">\n <!-- Filled by JS -->\n <\/tbody>\n <\/table>\n <\/div>\n\n <!-- Fixed Rates -->\n <div class=\"section\">\n <h2>Taux fixe<\/h2>\n <label for=\"durationFilter\">Dur\u00e9e (ann\u00e9es) :<\/label>\n <select id=\"durationFilter\">\n <option value=\"1\">1 an<\/option>\n <option value=\"2\">2 ans<\/option>\n <option value=\"3\">3 ans<\/option>\n <option value=\"4\">4 ans<\/option>\n <option value=\"5\">5 ans<\/option>\n <option value=\"6\">6 ans<\/option>\n <option value=\"7\">7 ans<\/option>\n <option value=\"8\">8 ans<\/option>\n <option value=\"9\">9 ans<\/option>\n <option value=\"10\">10 ans<\/option>\n <option value=\"11\">11 ans<\/option>\n <option value=\"12\">12 ans<\/option>\n <option value=\"13\">13 ans<\/option>\n <option value=\"14\">14 ans<\/option>\n <option value=\"15\">15 ans<\/option>\n <\/select>\n <table>\n <thead>\n <tr>\n <th>Prestataire<\/th>\n <th id=\"fixedDurationHeader\">Taux fixe<\/th>\n <\/tr>\n <\/thead>\n <tbody id=\"fixedRatesBody\">\n <!-- Filled by JS -->\n <\/tbody>\n <\/table>\n <\/div>\n\n <\/div>\n\n <script>\nconst data = [\n { prestataire: \"Banque AEK 1826\", variable: \"1%\", fixe: [\"1%\", \"1%\", \"1%\", \"1.1%\", \"1.2%\", \"1.25%\", \"1.35%\", \"1.45%\", \"1.5%\", \"1.55%\", \"\", \"\", \"\", \"\", \"\"] },\n { prestataire: \"Banque cantonale d\u2019Appenzell\", variable: \"1.05%\", fixe: [\"1.05%\", \"1.05%\", \"1.1%\", \"1.2%\", \"1.3%\", \"1.35%\", \"1.4%\", \"1.5%\", \"1.55%\", \"1.6%\", \"\", \"\", \"\", \"\", \"\"] },\n { prestataire: \"AXA\", variable: \"3%\", fixe: [\"\", \"1.3%\", \"1.3%\", \"1.32%\", \"1.35%\", \"1.39%\", \"1.45%\", \"1.52%\", \"1.59%\", \"1.66%\", \"\", \"1.8%\", \"\", \"\", \"1.91%\"] },\n { prestataire: \"Banque Baloise\", variable: \"2.875%\", fixe: [\"\", \"1.1%\", \"1.16%\", \"1.24%\", \"1.3%\", \"1.39%\", \"1.47%\", \"1.55%\", \"1.63%\", \"1.69%\", \"\", \"\", \"\", \"\", \"\"] },\n { prestataire: \"Hypoth\u00e8que en ligne Baloise\", variable: \"2.875%\", fixe: [\"\", \"0.85%\", \"0.91%\", \"0.99%\", \"1.05%\", \"1.14%\", \"1.22%\", \"1.3%\", \"1.38%\", \"1.44%\", \"\", \"\", \"\", \"\", \"\"] },\n { prestataire: \"Banque populaire de Sondrio (Suisse)\", variable: \"\", fixe: [\"1.2%\", \"1.2%\", \"1.2%\", \"1.2%\", \"1.3%\", \"1.4%\", \"1.45%\", \"1.55%\", \"1.6%\", \"1.65%\", \"\", \"\", \"\", \"\", \"\"] },\n { prestataire: \"Banque Avera\", variable: \"\", fixe: [\"1.02%\", \"1.17%\", \"1.24%\", \"1.33%\", \"1.42%\", \"1.5%\", \"1.57%\", \"1.65%\", \"1.71%\", \"1.78%\", \"1.93%\", \"1.98%\", \"2.06%\", \"2.09%\", \"2.13%\"] },\n { prestataire: \"Coop\u00e9rative Banque EKI\", variable: \"2.35%\", fixe: [\"\", \"0.9%\", \"1%\", \"1.05%\", \"1.15%\", \"1.25%\", \"1.35%\", \"1.4%\", \"1.5%\", \"1.6%\", \"1.65%\", \"1.65%\", \"1.7%\", \"1.75%\", \"1.75%\"] },\n { prestataire: \"Banque Julius B\u00e4r\", variable: \"\", fixe: [\"\", \"\", \"0.9%\", \"1.02%\", \"1.14%\", \"1.28%\", \"1.38%\", \"1.46%\", \"1.54%\", \"1.62%\", \"1.69%\", \"\", \"\", \"\", \"\"] },\n { prestataire: \"BVK\", variable: \"\", fixe: [\"\", \"\", \"1.04%\", \"1.07%\", \"1.09%\", \"1.15%\", \"1.2%\", \"1.26%\", \"1.35%\", \"1.4%\", \"1.45%\", \"1.54%\", \"1.6%\", \"\", \"\"] },\n { prestataire: \"Generali\", variable: \"2.75%\", fixe: [\"\", \"1.08%\", \"1.1%\", \"1.15%\", \"1.16%\", \"1.21%\", \"1.28%\", \"1.35%\", \"1.42%\", \"1.49%\", \"\", \"\", \"\", \"\", \"\"] },\n { prestataire: \"Banque cantonale de Glaris\", variable: \"3.05%\", fixe: [\"\", \"1.38%\", \"1.39%\", \"1.37%\", \"1.45%\", \"1.52%\", \"1.6%\", \"1.66%\", \"1.73%\", \"1.79%\", \"1.84%\", \"1.87%\", \"1.92%\", \"1.93%\", \"1.95%\"] },\n { prestataire: \"Banque cantonale des Grisons\", variable: \"\", fixe: [\"1.7%\", \"1.34%\", \"1.38%\", \"1.43%\", \"1.49%\", \"1.56%\", \"1.66%\", \"1.71%\", \"1.79%\", \"1.86%\", \"1.94%\", \"1.99%\", \"2.05%\", \"2.07%\", \"2.09%\"] },\n { prestataire: \"Hypomat\", variable: \"2.75%\", fixe: [\"\", \"0.95%\", \"0.96%\", \"0.95%\", \"1.02%\", \"1.09%\", \"1.18%\", \"1.24%\", \"1.31%\", \"1.37%\", \"1.42%\", \"1.46%\", \"1.5%\", \"1.53%\", \"1.54%\"] },\n { prestataire: \"Banque hypoth\u00e9caire de Lenzbourg\", variable: \"2.875%\", fixe: [\"\", \"1.11%\", \"1.19%\", \"1.28%\", \"1.37%\", \"1.47%\", \"1.54%\", \"1.62%\", \"1.68%\", \"1.75%\", \"\", \"\", \"\", \"\", \"\"] },\n { prestataire: \"Banque cantonale de Lucerne\", variable: \"\", fixe: [\"\", \"\", \"1.18%\", \"1.25%\", \"1.35%\", \"1.45%\", \"1.54%\", \"1.62%\", \"1.69%\", \"1.77%\", \"1.85%\", \"\", \"\", \"\", \"\"] },\n { prestataire: \"Banque Migros\", variable: \"\", fixe: [\"\", \"\", \"1.23%\", \"1.28%\", \"1.35%\", \"1.46%\", \"1.57%\", \"1.65%\", \"1.69%\", \"1.77%\", \"1.83%\", \"\", \"\", \"\", \"\"] },\n { prestataire: \"Mobiliar\", variable: \"\", fixe: [\"\", \"\", \"0.93%\", \"0.96%\", \"0.95%\", \"1%\", \"1.07%\", \"1.25%\", \"1.21%\", \"1.27%\", \"1.44%\", \"1.55%\", \"1.58%\", \"1.64%\", \"1.67%\"] },\n { prestataire: \"PostFinance\", variable: \"\", fixe: [\"\", \"\", \"0.92%\", \"0.98%\", \"1.05%\", \"1.1%\", \"1.17%\", \"1.27%\", \"1.31%\", \"1.37%\", \"1.46%\", \"1.51%\", \"1.57%\", \"1.6%\", \"1.64%\"] },\n { prestataire: \"Raiffeisen Suisse\", variable: \"3%\", fixe: [\"\", \"1.19%\", \"1.24%\", \"1.37%\", \"1.49%\", \"1.6%\", \"1.71%\", \"1.81%\", \"1.91%\", \"2%\", \"2.31%\", \"2.37%\", \"2.47%\", \"2.51%\", \"2.54%\"] },\n { prestataire: \"Banque cantonale de Saint-Gall\", variable: \"\", fixe: [\"\", \"\", \"1.35%\", \"1.35%\", \"1.4%\", \"1.45%\", \"1.5%\", \"1.6%\", \"1.65%\", \"1.75%\", \"1.8%\", \"\", \"\", \"\", \"\"] },\n { prestataire: \"Swissquote\", variable: \"\", fixe: [\"\", \"\", \"0.88%\", \"0.93%\", \"0.98%\", \"1.04%\", \"1.11%\", \"1.18%\", \"1.27%\", \"1.35%\", \"1.41%\", \"\", \"\", \"\", \"\"] },\n { prestataire: \"Banque Valiant\", variable: \"\", fixe: [\"\", \"\", \"1.27%\", \"1.34%\", \"1.4%\", \"1.46%\", \"1.54%\", \"1.64%\", \"1.73%\", \"1.78%\", \"1.85%\", \"\", \"\", \"\", \"\"] },\n { prestataire: \"Banque cantonale de Zurich\", variable: \"\", fixe: [\"\", \"\", \"1.19%\", \"1.27%\", \"1.36%\", \"1.45%\", \"1.53%\", \"1.61%\", \"1.68%\", \"1.75%\", \"1.81%\", \"1.97%\", \"2.02%\", \"2.1%\", \"2.13%\"] },\n { prestataire: \"Vaudoise Assurances\", variable: \"\", fixe: [\"\", \"\", \"\", \"1.13%\", \"1.13%\", \"1.13%\", \"1.21%\", \"1.26%\", \"1.41%\", \"1.43%\", \"1.45%\", \"1.51%\", \"1.55%\", \"1.59%\", \"1.63%\"] },\n { prestataire: \"Banque cantonale de Zoug\", variable: \"3%\", fixe: [\"\", \"1.2%\", \"1.22%\", \"1.32%\", \"1.41%\", \"1.49%\", \"1.57%\", \"1.65%\", \"1.72%\", \"1.78%\", \"\", \"\", \"\", \"\", \"\"] },\n{\n prestataire: \"UBS key4\",\n variable: \"\",\n fixe: [\n \"\", \"0.96%\", \"0.96%\", \"0.96%\", \"1.04%\", \"1.12%\", \"1.20%\", \"1.28%\", \"1.35%\", \"1.41%\", \"1.47%\", \"1.51%\", \"1.55%\", \"1.58%\", \"1.60%\"\n ]\n },\n {\n prestataire: \"Avantage Service - BCGE\",\n variable: \"\",\n fixe: [\n \"\", \"0.71%\", \"0.79%\", \"0.88%\", \"1.02%\", \"1.10%\", \"1.18%\", \"1.26%\", \"1.33%\", \"1.39%\", \"1.49%\", \"1.53%\", \"1.56%\", \"1.59%\", \"1.61%\"\n ]\n },\n {\n prestataire: \"Vaudoise Assurances\",\n variable: \"\",\n fixe: [\n \"\", \"\", \"\", \"1.13%\", \"\", \"\", \"\", \"\", \"\", \"\", \"\", \"\", \"\", \"1.63%\", \"1.66%\"\n ]\n },\n {\n prestataire: \"PostFinance\",\n variable: \"\",\n fixe: [\n \"\", \"0.92%\", \"\", \"1.10%\", \"1.10%\", \"\", \"\", \"\", \"\", \"\", \"\", \"\", \"\", \"\", \"1.67%\"\n ]\n },\n {\n prestataire: \"Banque du L\u00e9man\",\n variable: \"\",\n fixe: [\n \"1.55%\", \"0.83%\", \"0.92%\", \"1.02%\", \"1.10%\", \"1.21%\", \"1.28%\", \"1.34%\", \"1.40%\", \"1.45%\", \"1.55%\", \"1.64%\", \"1.71%\", \"1.79%\", \"1.86%\"\n ]\n },\n {\n prestataire: \"Banque Cler\",\n variable: \"\",\n fixe: [\n \"1.40%\", \"1.20%\", \"1.24%\", \"1.34%\", \"1.44%\", \"1.53%\", \"1.61%\", \"1.68%\", \"1.76%\", \"1.81%\", \"1.90%\", \"1.95%\", \"2.00%\", \"2.05%\", \"2.10%\"\n ]\n },\n {\n prestataire: \"Banque Cantonale de Z\u00fcrich\",\n variable: \"\",\n fixe: [\n \"\", \"\", \"\", \"\", \"\", \"\", \"\", \"\", \"\", \"\", \"1.97%\", \"2.02%\", \"\", \"2.13%\", \"2.16%\"\n ]\n },\n {\n prestataire: \"B\u00e2loise Assurances\",\n variable: \"\",\n fixe: [\n \"\", \"0.80%\", \"0.86%\", \"0.94%\", \"1.00%\", \"1.09%\", \"1.17%\", \"1.25%\", \"1.33%\", \"1.39%\", \"\", \"\", \"\", \"\", \"\"\n ]\n },\n {\n prestataire: \"FRiBenk - BCF\",\n variable: \"\",\n fixe: [\n \"\", \"1.05%\", \"1.07%\", \"1.10%\", \"1.15%\", \"1.25%\", \"1.30%\", \"1.38%\", \"1.48%\", \"1.55%\", \"\", \"\", \"\", \"\", \"\"\n ]\n },\n {\n prestataire: \"Axa\",\n variable: \"\",\n fixe: [\n \"\", \"\", \"1.07%\", \"1.32%\", \"1.35%\", \"1.39%\", \"1.45%\", \"1.52%\", \"1.59%\", \"1.66%\", \"\", \"\", \"\", \"\", \"\"\n ]\n },\n {\n prestataire: \"Cr\u00e9dit Agricole next bank\",\n variable: \"\",\n fixe: [\n \"\", \"\", \"0.83%\", \"\", \"1.03%\", \"\", \"1.20%\", \"\", \"\", \"\", \"\", \"\", \"\", \"\", \"\"\n ]\n },\n {\n prestataire: \"Swissquote\",\n variable: \"\",\n fixe: [\n \"\", \"1.12%\", \"0.95%\", \"0.98%\", \"\", \"\", \"\", \"\", \"\", \"\", \"\", \"\", \"\", \"\", \"\"\n ]\n },\n];\n\n\/\/ Grab elements\nconst variableBody = document.getElementById(\"variableRatesBody\");\nconst fixedBody = document.getElementById(\"fixedRatesBody\");\nconst durationSelect = document.getElementById(\"durationFilter\");\nconst fixedHeader = document.getElementById(\"fixedDurationHeader\");\n\n\/\/ Fill variable rates table\nfunction renderVariableRates() {\n variableBody.innerHTML = \"\";\n data.forEach(item => {\n if (item.variable && item.variable.trim() !== \"\") {\n const tr = document.createElement(\"tr\");\n tr.innerHTML = `\n <td style=\"text-align:left;\">${item.prestataire}<\/td>\n <td>${item.variable}<\/td>\n `;\n variableBody.appendChild(tr);\n }\n });\n}\n\n\/\/ Fill fixed rates table based on selected duration\nfunction renderFixedRates(year) {\n fixedBody.innerHTML = \"\";\n fixedHeader.textContent = `Taux fixe - ${year} ${year > 1 ? \"ans\" : \"an\"}`;\n data.forEach(item => {\n const taux = item.fixe[year - 1];\n if (taux && taux.trim() !== \"\") {\n const tr = document.createElement(\"tr\");\n tr.innerHTML = `\n <td style=\"text-align:left;\">${item.prestataire}<\/td>\n <td>${taux}<\/td>\n `;\n fixedBody.appendChild(tr);\n }\n });\n}\n\n\/\/ Event listener for dropdown change\ndurationSelect.addEventListener(\"change\", e => {\n renderFixedRates(parseInt(e.target.value));\n});\n\n\/\/ Initial render\nrenderVariableRates();\nrenderFixedRates(1);\n\n <\/script>\n<\/body>\n<\/html>\n\n\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<div class=\"elementor-element elementor-element-2c92248 e-flex e-con-boxed e-con e-parent\" data-id=\"2c92248\" 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-bc07e5f elementor-widget elementor-widget-heading\" data-id=\"bc07e5f\" 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 sur les taux hypoth\u00e9caires<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02d120f elementor-widget elementor-widget-toggle\" data-id=\"02d120f\" 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<div id=\"elementor-tab-title-2951\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2951\" 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\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/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\u2019est-ce qu\u2019un taux hypoth\u00e9caire variable ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2951\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2951\"><p>C\u2019est un taux d\u2019int\u00e9r\u00eat qui peut changer dans le temps, selon l\u2019<strong>\u00e9volution du march\u00e9<\/strong>. Vous payez moins quand les taux baissent, mais vous prenez le risque qu\u2019ils augmentent.<\/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<div id=\"elementor-tab-title-2952\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2952\" 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\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/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\u2019est-ce qu\u2019un taux hypoth\u00e9caire fixe ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2952\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2952\"><p>C\u2019est un taux bloqu\u00e9 pour une dur\u00e9e d\u00e9termin\u00e9e (<strong>1 \u00e0 15 ans<\/strong>). Vous savez exactement combien vous paierez pendant cette p\u00e9riode, sans surprise.<\/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<div id=\"elementor-tab-title-2953\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2953\" 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\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/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\">Quel type de taux est le plus avantageux ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2953\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2953\"><p>\u00c7a d\u00e9pend. Le taux fixe offre de la stabilit\u00e9 et prot\u00e8ge contre la hausse des taux, mais peut \u00eatre plus \u00e9lev\u00e9. Le variable est souvent plus bas au d\u00e9part, mais comporte plus de risques.<\/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<div id=\"elementor-tab-title-2954\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2954\" 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\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/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\">Comment choisir la dur\u00e9e du taux fixe ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2954\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2954\"><p>Plus la dur\u00e9e est longue, plus le taux est \u00e9lev\u00e9. Choisissez en fonction de votre capacit\u00e9 \u00e0 assumer un taux plus \u00e9lev\u00e9 et de votre strat\u00e9gie financi\u00e8re (ex : rester longtemps dans la maison ou non).<\/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<div id=\"elementor-tab-title-2955\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2955\" 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\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/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\">Pourquoi les taux hypoth\u00e9caires varient-ils autant ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2955\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2955\"><p>Ils d\u00e9pendent des conditions \u00e9conomiques, de la politique mon\u00e9taire, et du risque per\u00e7u par les banques. Rien n\u2019est fig\u00e9.<\/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<div id=\"elementor-tab-title-2956\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2956\" 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\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/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\">Puis-je changer de taux hypoth\u00e9caire en cours de contrat ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2956\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2956\"><p>G\u00e9n\u00e9ralement, c\u2019est compliqu\u00e9 et co\u00fbteux, mais possible. Il faut souvent payer une p\u00e9nalit\u00e9 pour rompre avant terme.<\/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<div id=\"elementor-tab-title-2957\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-2957\" 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\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/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\">Comment puis-je trouver le meilleur taux ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2957\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-2957\"><p>Comparez les offres des banques et des assurances, prenez en compte les frais annexes, et ne vous fiez pas seulement au taux nominal.<\/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\\u2019est-ce qu\\u2019un taux hypoth\\u00e9caire variable ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>C\\u2019est un taux d\\u2019int\\u00e9r\\u00eat qui peut changer dans le temps, selon l\\u2019<strong>\\u00e9volution du march\\u00e9<\\\/strong>. Vous payez moins quand les taux baissent, mais vous prenez le risque qu\\u2019ils augmentent.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Qu\\u2019est-ce qu\\u2019un taux hypoth\\u00e9caire fixe ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>C\\u2019est un taux bloqu\\u00e9 pour une dur\\u00e9e d\\u00e9termin\\u00e9e (<strong>1 \\u00e0 15 ans<\\\/strong>). Vous savez exactement combien vous paierez pendant cette p\\u00e9riode, sans surprise.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Quel type de taux est le plus avantageux ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>\\u00c7a d\\u00e9pend. Le taux fixe offre de la stabilit\\u00e9 et prot\\u00e8ge contre la hausse des taux, mais peut \\u00eatre plus \\u00e9lev\\u00e9. 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Il faut souvent payer une p\\u00e9nalit\\u00e9 pour rompre avant terme.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Comment puis-je trouver le meilleur taux ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Comparez les offres des banques et des assurances, prenez en compte les frais annexes, et ne vous fiez pas seulement au taux nominal.<\\\/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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Etat au 11.06.2025 Taux hypoth\u00e9caires Taux variable Prestataire Taux variable Taux fixe Dur\u00e9e (ann\u00e9es) : 1 an2 ans3 ans4 ans5 ans6 ans7 ans8 ans9 ans10 ans11 ans12 ans13 ans14 ans15 ans Prestataire Taux fixe Questions fr\u00e9quentes sur les taux hypoth\u00e9caires Qu\u2019est-ce qu\u2019un taux hypoth\u00e9caire variable ? C\u2019est un taux d\u2019int\u00e9r\u00eat qui peut changer dans le […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[21],"tags":[48],"class_list":["post-2140","post","type-post","status-publish","format-standard","hentry","category-hypotheque","tag-montants"],"_links":{"self":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/2140","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/comments?post=2140"}],"version-history":[{"count":0,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/2140\/revisions"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/media?parent=2140"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/categories?post=2140"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/tags?post=2140"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}