{"id":8443,"date":"2026-03-10T06:35:24","date_gmt":"2026-03-10T06:35:24","guid":{"rendered":"https:\/\/invexa.ch\/?p=8443"},"modified":"2026-03-18T14:35:05","modified_gmt":"2026-03-18T14:35:05","slug":"calculateur-hypotheque","status":"publish","type":"post","link":"https:\/\/invexa.ch\/fr\/finances\/hypotheque\/calculateur-hypotheque\/","title":{"rendered":"Calculateur d&rsquo;hypoth\u00e8que"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"8443\" class=\"elementor elementor-8443\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b59633 e-flex e-con-boxed e-con e-parent\" data-id=\"6b59633\" 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<div class=\"elementor-element elementor-element-7ea59f5 e-con-full e-flex e-con e-child\" data-id=\"7ea59f5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bf6bc5 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"7bf6bc5\" 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><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/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-bfe3bd6 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"bfe3bd6\" 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<h1 class=\"elementor-heading-title elementor-size-default\">Calculateur d'hypoth\u00e8que<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-727dc7b elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"727dc7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\tEstimez votre capacit\u00e9 financi\u00e8re, les co\u00fbts mensuels et votre marge pour l'acquisition d'un bien immobilier.\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0116909 elementor-mobile-align-justify elementor-align-left elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"0116909\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#calcul\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Calculer une hypoth\u00e8que<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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-1677965 elementor-mobile-align-justify elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"1677965\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/meetings-eu1.hubspot.com\/claire-fivaz\/appel-decouverte\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Prendre rendez-vous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5bc3a47 e-flex e-con-boxed e-con e-parent\" data-id=\"5bc3a47\" 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-c6b9798 elementor-widget elementor-widget-menu-anchor\" data-id=\"c6b9798\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"calcul\"><\/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-b755519 elementor-widget elementor-widget-html\" data-id=\"b755519\" 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<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Manrope:wght@300;400;500;600;700;800&display=swap\" rel=\"stylesheet\">\n<link rel=\"stylesheet\" href=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/font-awesome\/6.5.0\/css\/all.min.css\">\n<style>\n  .hypo-widget *, .hypo-widget *::before, .hypo-widget *::after { box-sizing: border-box; margin: 0; padding: 0; }\n\n  .hypo-widget {\n    --navy: #071659;\n    --sky: #B5E0F8;\n    --sky-light: #e0f3fd;\n    --sky-mid: #7ecdf5;\n    --grey-100: #f4f6f9;\n    --grey-200: #e8ecf2;\n    --grey-300: #d0d7e3;\n    --grey-400: #9aa5bc;\n    --grey-600: #5a6680;\n    --white: #ffffff;\n    --success: #1a9e6b;\n    --warning: #e07b00;\n    --danger: #c0392b;\n    --radius-pill: 999px;\n    --radius-lg: 20px;\n    --radius-md: 14px;\n    --t: 0.22s cubic-bezier(0.4,0,0.2,1);\n    font-family: 'Manrope', sans-serif;\n    background: var(--white);\n    border-radius: var(--radius-lg);\n    overflow: hidden;\n    width: 100%;\n    border: 1px solid var(--grey-200);\n  }\n\n  \/* \u2500\u2500 Tabs \u2500\u2500 *\/\n  .hypo-widget .hw-tabs-wrap {\n    padding: 28px 44px 24px;\n    border-bottom: 1px solid var(--grey-200);\n  }\n  .hypo-widget .hw-tabs {\n    display: inline-flex; background: var(--grey-100);\n    border-radius: var(--radius-pill); padding: 5px; gap: 3px;\n  }\n  .hypo-widget .hw-tab {\n    padding: 13px 28px; border-radius: var(--radius-pill);\n    border: none; font-family: 'Manrope', sans-serif;\n    font-size: 16px; font-weight: 600; cursor: pointer;\n    transition: var(--t); color: var(--grey-600);\n    background: transparent; white-space: nowrap; line-height: 1;\n    text-align: center;\n  }\n  .hypo-widget .hw-tab:not(.active):hover {\n    color: var(--white); background: rgba(7,22,89,0.55);\n  }\n  .hypo-widget .hw-tab.active {\n    background: var(--navy); color: var(--white);\n  }\n\n  \/* \u2500\u2500 Body grid \u2500\u2500 *\/\n  .hypo-widget .hw-body { display: grid; grid-template-columns: 1fr 1fr; }\n  .hypo-widget .hw-left {\n    padding: 32px 44px 36px; border-right: 1px solid var(--grey-200);\n  }\n  .hypo-widget .hw-right {\n    padding: 32px 44px 36px; background: var(--grey-100);\n  }\n\n  \/* \u2500\u2500 Tablet: stack at 820px \u2500\u2500 *\/\n  @media (max-width: 820px) {\n    .hypo-widget .hw-tabs-wrap { padding-left: 28px; padding-right: 28px; }\n    .hypo-widget .hw-left { padding: 28px 28px 32px; border-right: none; border-bottom: 1px solid var(--grey-200); }\n    .hypo-widget .hw-right { padding: 28px 28px 32px; }\n    .hypo-widget .hw-body { grid-template-columns: 1fr; }\n    .hypo-widget .hw-tabs { display: flex; width: 100%; }\n    .hypo-widget .hw-tab { flex: 1; font-size: 14px; padding: 11px 14px; }\n  }\n\n  \/* \u2500\u2500 Mobile \u2500\u2500 *\/\n  @media (max-width: 480px) {\n    .hypo-widget .hw-tabs-wrap { padding: 18px 18px 18px; }\n    .hypo-widget .hw-left,\n    .hypo-widget .hw-right { padding: 22px 18px 26px; }\n    .hypo-widget .hw-tab { flex: 1; font-size: 13px; padding: 10px 10px; }\n    .hypo-widget .hw-figures { grid-template-columns: 1fr 1fr; }\n    .hypo-widget .hw-fig-val { font-size: 18px; }\n    .hypo-widget .hw-rate-row { flex-wrap: wrap; gap: 10px; }\n    .hypo-widget .hw-rate-lbl { font-size: 13px; }\n    .hypo-widget .hw-line-l { font-size: 13px; }\n    .hypo-widget .hw-line-v { font-size: 13px; }\n    .hypo-widget .hw-total-val { font-size: 16px; }\n    .hypo-widget .hw-stxt { font-size: 13px; }\n    .hypo-widget .hw-rule { font-size: 13px; }\n    .hypo-widget .hw-input-row input[type=\"text\"] { font-size: 15px; }\n  }\n\n  \/* \u2500\u2500 Blue info rule \u2014 left panel only \u2500\u2500 *\/\n  .hypo-widget .hw-rule {\n    display: none;\n    margin-bottom: 24px;\n    background: var(--sky-light);\n    border-left: 3px solid var(--sky-mid);\n    border-radius: 0 8px 8px 0;\n    padding: 12px 16px;\n    font-size: 15px; color: var(--navy);\n    font-weight: 500; line-height: 1.6;\n  }\n  .hypo-widget .hw-rule.visible { display: block; }\n\n  \/* \u2500\u2500 Fields \u2500\u2500 *\/\n  .hypo-widget .hw-field { margin-bottom: 26px; }\n  .hypo-widget .hw-label {\n    display: flex; align-items: center; gap: 7px;\n    font-size: 13px; font-weight: 700; letter-spacing: 0.04em;\n    text-transform: uppercase; color: var(--grey-600); margin-bottom: 10px;\n  }\n  .hypo-widget .hw-tip {\n    display: inline-flex; align-items: center; justify-content: center;\n    width: 16px; height: 16px; background: var(--grey-300);\n    border-radius: 50%; font-size: 10px; color: var(--grey-600);\n    cursor: help; font-weight: 700; flex-shrink: 0; position: relative;\n  }\n  .hypo-widget .hw-tip:hover::after {\n    content: attr(data-tip);\n    position: absolute; bottom: calc(100% + 6px); left: 50%;\n    transform: translateX(-50%);\n    background: var(--navy); color: white;\n    font-size: 12px; font-weight: 500; padding: 7px 12px;\n    border-radius: 8px; white-space: nowrap; z-index: 100;\n    letter-spacing: 0; text-transform: none;\n  }\n  .hypo-widget .hw-input-row {\n    display: flex; align-items: center;\n    background: var(--white); border: 1.5px solid var(--grey-300);\n    border-radius: var(--radius-pill); overflow: hidden; transition: var(--t);\n  }\n  .hypo-widget .hw-input-row:focus-within {\n    border-color: var(--navy); box-shadow: 0 0 0 3px rgba(7,22,89,0.1);\n  }\n  .hypo-widget .hw-input-row input[type=\"text\"] {\n    flex: 1; border: none; outline: none; background: transparent;\n    font-family: 'Manrope', sans-serif; font-size: 16px; font-weight: 700;\n    color: var(--navy); padding: 13px 0 13px 18px; width: 0;\n  }\n  .hypo-widget .hw-suffix {\n    padding: 0 18px 0 8px; font-size: 14px; font-weight: 600;\n    color: var(--grey-400); white-space: nowrap; user-select: none;\n  }\n\n  \/* \u2500\u2500 Range sliders with blue fill \u2500\u2500 *\/\n  .hypo-widget .hw-range-wrap { margin-top: 12px; position: relative; }\n  .hypo-widget .hw-slider-track {\n    position: relative; height: 5px; border-radius: var(--radius-pill);\n    background: var(--grey-300); cursor: pointer;\n  }\n  .hypo-widget .hw-slider-fill {\n    position: absolute; left: 0; top: 0; height: 100%;\n    background: var(--navy); border-radius: var(--radius-pill);\n    pointer-events: none; transition: width var(--t);\n  }\n  .hypo-widget .hw-slider-track input[type=\"range\"] {\n    -webkit-appearance: none; position: absolute; top: 50%;\n    transform: translateY(-50%);\n    width: 100%; height: 100%; margin: 0;\n    background: transparent; border-radius: var(--radius-pill);\n    outline: none; cursor: pointer; z-index: 2;\n  }\n  .hypo-widget .hw-slider-track input[type=\"range\"]::-webkit-slider-thumb {\n    -webkit-appearance: none; width: 22px; height: 22px;\n    background: var(--navy); border-radius: 50%;\n    border: 3px solid var(--white); cursor: pointer; transition: var(--t);\n    box-shadow: 0 1px 6px rgba(7,22,89,0.25);\n  }\n  .hypo-widget .hw-slider-track input[type=\"range\"]::-webkit-slider-thumb:hover {\n    transform: scale(1.15); background: var(--sky-mid);\n  }\n  .hypo-widget .hw-slider-track input[type=\"range\"]::-moz-range-thumb {\n    width: 22px; height: 22px; background: var(--navy);\n    border-radius: 50%; border: 3px solid var(--white);\n  }\n  .hypo-widget .hw-range-labels {\n    display: flex; justify-content: space-between;\n    margin-top: 7px; font-size: 11px; color: var(--grey-400); font-weight: 600;\n  }\n\n  \/* \u2500\u2500 Toggle \u2500\u2500 *\/\n  .hypo-widget .hw-toggle-row { display: flex; align-items: center; gap: 12px; margin-bottom: 26px; }\n  .hypo-widget .hw-toggle { position: relative; width: 46px; height: 26px; flex-shrink: 0; }\n  .hypo-widget .hw-toggle input { opacity: 0; width: 0; height: 0; }\n  .hypo-widget .hw-track {\n    position: absolute; inset: 0; background: var(--grey-300);\n    border-radius: var(--radius-pill); cursor: pointer; transition: var(--t);\n  }\n  .hypo-widget .hw-toggle input:checked + .hw-track { background: var(--navy); }\n  .hypo-widget .hw-track::after {\n    content: ''; position: absolute; top: 3px; left: 3px;\n    width: 20px; height: 20px; background: white; border-radius: 50%;\n    transition: var(--t);\n  }\n  .hypo-widget .hw-toggle input:checked + .hw-track::after { transform: translateX(20px); }\n  .hypo-widget .hw-toggle-lbl { font-size: 15px; font-weight: 600; color: var(--grey-600); }\n\n  \/* \u2500\u2500 Status badge \u2500\u2500 *\/\n  .hypo-widget .hw-status {\n    display: flex; align-items: center; gap: 10px;\n    background: var(--white); border-radius: var(--radius-md);\n    padding: 14px 18px; margin-bottom: 20px;\n    border: 1.5px solid transparent; transition: var(--t);\n  }\n  .hypo-widget .hw-status.ok   { border-color: rgba(26,158,107,0.35); }\n  .hypo-widget .hw-status.warn { border-color: rgba(224,123,0,0.35); }\n  .hypo-widget .hw-status.bad  { border-color: rgba(192,57,43,0.35); }\n  .hypo-widget .hw-sdot { width: 10px; height: 10px; border-radius: 50%; flex-shrink: 0; }\n  .hypo-widget .hw-sdot.ok   { background: var(--success); box-shadow: 0 0 0 4px rgba(26,158,107,0.15); }\n  .hypo-widget .hw-sdot.warn { background: var(--warning); box-shadow: 0 0 0 4px rgba(224,123,0,0.15); }\n  .hypo-widget .hw-sdot.bad  { background: var(--danger);  box-shadow: 0 0 0 4px rgba(192,57,43,0.15); }\n  .hypo-widget .hw-stxt { font-size: 15px; font-weight: 600; color: var(--navy); line-height: 1.4; }\n\n  \/* \u2500\u2500 Key figures \u2500\u2500 *\/\n  .hypo-widget .hw-figures { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 18px; }\n  .hypo-widget .hw-fig {\n    background: var(--white); border-radius: var(--radius-md);\n    padding: 16px 18px; border: 1px solid var(--grey-200);\n  }\n  .hypo-widget .hw-fig-lbl {\n    font-size: 11px; font-weight: 700; letter-spacing: 0.07em;\n    text-transform: uppercase; color: var(--grey-400); margin-bottom: 6px;\n  }\n  .hypo-widget .hw-fig-val { font-size: 22px; font-weight: 800; color: var(--navy); line-height: 1; }\n  .hypo-widget .hw-fig-sub { font-size: 12px; color: var(--grey-400); margin-top: 4px; font-weight: 500; }\n\n  \/* \u2500\u2500 Breakdown card \u2500\u2500 *\/\n  .hypo-widget .hw-breakdown {\n    background: var(--white); border-radius: var(--radius-lg);\n    padding: 20px 22px; border: 1px solid var(--grey-200);\n  }\n  .hypo-widget .hw-bk-title {\n    font-size: 12px; font-weight: 700; letter-spacing: 0.07em;\n    text-transform: uppercase; color: var(--grey-400); margin-bottom: 14px;\n  }\n  .hypo-widget .hw-bar {\n    display: flex; height: 7px; border-radius: var(--radius-pill);\n    overflow: hidden; margin-bottom: 18px; gap: 2px;\n  }\n  .hypo-widget .hw-bar-seg { transition: width var(--t); border-radius: var(--radius-pill); }\n  .hypo-widget .hw-bar-i { background: var(--navy); }\n  .hypo-widget .hw-bar-m { background: var(--grey-300); }\n\n  \/* \u2500\u2500 Rate row \u2500\u2500 *\/\n  .hypo-widget .hw-rate-row {\n    display: flex; align-items: center; justify-content: space-between;\n    margin-bottom: 14px; padding-bottom: 14px; border-bottom: 1px solid var(--grey-200);\n  }\n  .hypo-widget .hw-rate-lbl {\n    font-size: 15px; font-weight: 600; color: var(--grey-600);\n    display: flex; align-items: center; gap: 7px;\n  }\n  .hypo-widget .hw-rate-inp {\n    display: flex; align-items: center;\n    background: var(--grey-100); border: 1.5px solid var(--grey-300);\n    border-radius: var(--radius-pill); overflow: hidden; transition: var(--t);\n  }\n  .hypo-widget .hw-rate-inp:focus-within { border-color: var(--navy); box-shadow: 0 0 0 3px rgba(7,22,89,0.1); }\n  .hypo-widget .hw-rate-sym { padding: 8px 0 8px 14px; font-size: 13px; font-weight: 700; color: var(--grey-400); }\n  .hypo-widget .hw-rate-inp input[type=\"number\"] {\n    border: none; outline: none; background: transparent;\n    font-family: 'Manrope', sans-serif; font-size: 15px; font-weight: 700;\n    color: var(--navy); padding: 8px 14px 8px 4px; width: 62px; text-align: right;\n    -moz-appearance: textfield;\n  }\n  .hypo-widget .hw-rate-inp input[type=\"number\"]::-webkit-outer-spin-button,\n  .hypo-widget .hw-rate-inp input[type=\"number\"]::-webkit-inner-spin-button { -webkit-appearance: none; }\n\n  \/* \u2500\u2500 Line items \u2500\u2500 *\/\n  .hypo-widget .hw-lines { display: flex; flex-direction: column; }\n  .hypo-widget .hw-line {\n    display: flex; align-items: center; justify-content: space-between;\n    padding: 11px 0; border-bottom: 1px solid var(--grey-100);\n  }\n  .hypo-widget .hw-line:last-child { border-bottom: none; }\n  .hypo-widget .hw-line-l {\n    display: flex; align-items: center; gap: 10px;\n    font-size: 15px; font-weight: 500; color: var(--grey-600);\n  }\n  .hypo-widget .hw-dot { width: 10px; height: 10px; border-radius: 50%; flex-shrink: 0; }\n  .hypo-widget .hw-dot-navy { background: var(--navy); }\n  .hypo-widget .hw-dot-grey { background: var(--grey-300); }\n  .hypo-widget .hw-line-v { font-size: 15px; font-weight: 700; color: var(--navy); }\n  .hypo-widget .hw-total {\n    display: flex; align-items: center; justify-content: space-between;\n    padding: 13px 0 0; margin-top: 4px; border-top: 2px solid var(--navy);\n  }\n  .hypo-widget .hw-total-lbl {\n    font-size: 13px; font-weight: 800; color: var(--navy);\n    text-transform: uppercase; letter-spacing: 0.06em;\n  }\n  .hypo-widget .hw-total-val { font-size: 19px; font-weight: 800; color: var(--navy); }\n\n  \/* \u2500\u2500 Affordability \u2500\u2500 *\/\n  .hypo-widget .hw-afford { margin-top: 16px; padding-top: 16px; border-top: 1px solid var(--grey-200); }\n  .hypo-widget .hw-afford-lbl {\n    display: flex; justify-content: space-between; align-items: center;\n    font-size: 12px; font-weight: 700; text-transform: uppercase;\n    letter-spacing: 0.07em; color: var(--grey-400); margin-bottom: 8px;\n  }\n  .hypo-widget .hw-afford-pct { font-size: 14px; font-weight: 800; color: var(--navy); }\n  .hypo-widget .hw-afford-track { height: 6px; background: var(--grey-200); border-radius: var(--radius-pill); overflow: hidden; }\n  .hypo-widget .hw-afford-fill { height: 100%; border-radius: var(--radius-pill); transition: width 0.4s, background 0.3s; }\n  .hypo-widget .hw-afford-note { font-size: 12px; color: var(--grey-400); margin-top: 7px; font-weight: 500; }\n\n  \/* \u2500\u2500 CTA \u2014 left panel bottom \u2500\u2500 *\/\n  .hypo-widget .hw-cta { margin-top: 20px; }\n  .hypo-widget .hw-cta-btn {\n    display: flex; align-items: center; justify-content: center; gap: 10px; width: 100%;\n    padding: 15px 30px;\n    background: var(--navy); color: var(--white);\n    border: none; border-radius: var(--radius-pill);\n    font-family: 'Manrope', sans-serif; font-size: 15px; font-weight: 700;\n    cursor: pointer; transition: var(--t); letter-spacing: 0.02em;\n    text-decoration: none;\n  }\n  .hypo-widget .hw-cta-btn:hover { background: #0d2280; transform: translateY(-1px); }\n  .hypo-widget .hw-cta-btn:active { transform: translateY(0); }\n  .hypo-widget .hw-cta-btn i { font-size: 13px; }\n<\/style>\n\n<div class=\"hypo-widget\">\n\n  <!-- Tabs \u2014 full width across top -->\n  <div class=\"hw-tabs-wrap\">\n    <div class=\"hw-tabs\">\n      <button class=\"hw-tab active\" onclick=\"hwSetTab('primary')\">R\u00e9sidence principale<\/button>\n      <button class=\"hw-tab\" onclick=\"hwSetTab('secondary')\">R\u00e9sidence secondaire<\/button>\n    <\/div>\n  <\/div>\n\n  <!-- Body -->\n  <div class=\"hw-body\">\n\n    <!-- Left: inputs -->\n    <div class=\"hw-left\">\n\n      <!-- Blue rule: shown here, left panel only -->\n      <div class=\"hw-rule visible\" id=\"hw-rule-primary\">\n        Les co\u00fbts mensuels ne doivent pas d\u00e9passer <strong>33%<\/strong> de votre revenu brut. Vous devriez financer au moins <strong>20%<\/strong> du bien par des fonds propres.\n      <\/div>\n      <div class=\"hw-rule\" id=\"hw-rule-secondary\">\n        Les co\u00fbts mensuels ne doivent pas d\u00e9passer <strong>33%<\/strong> de votre revenu brut. Vous devriez financer au moins <strong>40%<\/strong> du bien par des fonds propres.\n      <\/div>\n\n      <div class=\"hw-field\">\n        <div class=\"hw-label\">Prix d'achat <span class=\"hw-tip\" data-tip=\"Valeur v\u00e9nale du bien immobilier\">?<\/span><\/div>\n        <div class=\"hw-input-row\">\n          <input type=\"text\" id=\"hw-price\" value=\"800'000\" oninput=\"hwSyncSlider('hw-price','hw-price-sl');hwCalc()\">\n          <span class=\"hw-suffix\">CHF<\/span>\n        <\/div>\n        <div class=\"hw-range-wrap\">\n          <div class=\"hw-slider-track\">\n            <div class=\"hw-slider-fill\" id=\"hw-price-fill\" style=\"width:14%\"><\/div>\n            <input type=\"range\" id=\"hw-price-sl\" min=\"100000\" max=\"5000000\" step=\"10000\" value=\"800000\" oninput=\"hwSyncText('hw-price-sl','hw-price');hwUpdateFill('hw-price-sl','hw-price-fill',100000,5000000);hwCalc()\">\n          <\/div>\n          <div class=\"hw-range-labels\"><span>100K<\/span><span>5M CHF<\/span><\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"hw-field\">\n        <div class=\"hw-label\">Revenu annuel brut du m\u00e9nage <span class=\"hw-tip\" data-tip=\"Somme des revenus bruts annuels de tous les emprunteurs\">?<\/span><\/div>\n        <div class=\"hw-input-row\">\n          <input type=\"text\" id=\"hw-income\" value=\"130'000\" oninput=\"hwSyncSlider('hw-income','hw-income-sl');hwCalc()\">\n          <span class=\"hw-suffix\">CHF<\/span>\n        <\/div>\n        <div class=\"hw-range-wrap\">\n          <div class=\"hw-slider-track\">\n            <div class=\"hw-slider-fill\" id=\"hw-income-fill\" style=\"width:11%\"><\/div>\n            <input type=\"range\" id=\"hw-income-sl\" min=\"20000\" max=\"1000000\" step=\"1000\" value=\"130000\" oninput=\"hwSyncText('hw-income-sl','hw-income');hwUpdateFill('hw-income-sl','hw-income-fill',20000,1000000);hwCalc()\">\n          <\/div>\n          <div class=\"hw-range-labels\"><span>20K<\/span><span>1M CHF<\/span><\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"hw-field\">\n        <div class=\"hw-label\">Fonds propres <span class=\"hw-tip\" data-tip=\"Apport personnel disponible (\u00e9pargne, 2e pilier, etc.)\">?<\/span><\/div>\n        <div class=\"hw-input-row\">\n          <input type=\"text\" id=\"hw-equity\" value=\"200'000\" oninput=\"hwSyncSlider('hw-equity','hw-equity-sl');hwCalc()\">\n          <span class=\"hw-suffix\">CHF<\/span>\n        <\/div>\n        <div class=\"hw-range-wrap\">\n          <div class=\"hw-slider-track\">\n            <div class=\"hw-slider-fill\" id=\"hw-equity-fill\" style=\"width:6.7%\"><\/div>\n            <input type=\"range\" id=\"hw-equity-sl\" min=\"0\" max=\"3000000\" step=\"5000\" value=\"200000\" oninput=\"hwSyncText('hw-equity-sl','hw-equity');hwUpdateFill('hw-equity-sl','hw-equity-fill',0,3000000);hwCalc()\">\n          <\/div>\n          <div class=\"hw-range-labels\"><span>0<\/span><span>3M CHF<\/span><\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"hw-toggle-row\">\n        <label class=\"hw-toggle\">\n          <input type=\"checkbox\" id=\"hw-renov\" onchange=\"hwCalc()\">\n          <span class=\"hw-track\"><\/span>\n        <\/label>\n        <span class=\"hw-toggle-lbl\">R\u00e9novation n\u00e9cessaire<\/span>\n        <span class=\"hw-tip\" data-tip=\"Des travaux de r\u00e9novation augmentent les fonds propres requis\">?<\/span>\n      <\/div>\n\n      <div class=\"hw-field\" id=\"hw-renov-field\" style=\"display:none; margin-top:-10px;\">\n        <div class=\"hw-label\">Co\u00fbt estim\u00e9 des r\u00e9novations<\/div>\n        <div class=\"hw-input-row\">\n          <input type=\"text\" id=\"hw-renov-cost\" value=\"50'000\" oninput=\"hwCalc()\">\n          <span class=\"hw-suffix\">CHF<\/span>\n        <\/div>\n      <\/div>\n\n    <\/div>\n\n    <!-- Right: results -->\n    <div class=\"hw-right\">\n\n      <div class=\"hw-status ok\" id=\"hw-status\">\n        <div class=\"hw-sdot ok\" id=\"hw-sdot\"><\/div>\n        <div class=\"hw-stxt\" id=\"hw-stxt\">Vous avez les moyens d'acqu\u00e9rir ce bien immobilier.<\/div>\n      <\/div>\n\n      <div class=\"hw-figures\">\n        <div class=\"hw-fig\">\n          <div class=\"hw-fig-lbl\">Montant hypoth\u00e9caire<\/div>\n          <div class=\"hw-fig-val\" id=\"hw-mortgage\">600'000<\/div>\n          <div class=\"hw-fig-sub\">CHF<\/div>\n        <\/div>\n        <div class=\"hw-fig\">\n          <div class=\"hw-fig-lbl\">Co\u00fbts mensuels<\/div>\n          <div class=\"hw-fig-val\" id=\"hw-monthly-top\">\u2014<\/div>\n          <div class=\"hw-fig-sub\">CHF \/ mois (estim\u00e9s)<\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"hw-breakdown\">\n        <div class=\"hw-bk-title\">R\u00e9partition des co\u00fbts mensuels<\/div>\n\n        <div class=\"hw-bar\">\n          <div class=\"hw-bar-seg hw-bar-i\" id=\"hw-bar-i\" style=\"width:50%\"><\/div>\n          <div class=\"hw-bar-seg hw-bar-m\" id=\"hw-bar-m\" style=\"width:50%\"><\/div>\n        <\/div>\n\n        <div class=\"hw-rate-row\">\n          <div class=\"hw-rate-lbl\">\n            Taux d'int\u00e9r\u00eat hypoth\u00e9caire\n            <span class=\"hw-tip\" data-tip=\"Taux indicatif \u2014 offre personnalis\u00e9e avec votre conseiller\">?<\/span>\n          <\/div>\n          <div class=\"hw-rate-inp\">\n            <span class=\"hw-rate-sym\">%<\/span>\n            <input type=\"number\" id=\"hw-rate\" value=\"1.5\" min=\"0.1\" max=\"10\" step=\"0.1\" oninput=\"hwCalc()\">\n          <\/div>\n        <\/div>\n\n        <div class=\"hw-lines\">\n          <div class=\"hw-line\">\n            <div class=\"hw-line-l\">\n              <span class=\"hw-dot hw-dot-navy\"><\/span>\n              <span id=\"hw-interest-label\">Int\u00e9r\u00eats (<span id=\"hw-rate-lbl\">1.5<\/span>&thinsp;%)<\/span>\n              <span class=\"hw-tip\" data-tip=\"Int\u00e9r\u00eats annuels sur le montant hypoth\u00e9caire \u00f7 12\">?<\/span>\n            <\/div>\n            <div class=\"hw-line-v\" id=\"hw-interest\">\u2014<\/div>\n          <\/div>\n          <div class=\"hw-line\">\n            <div class=\"hw-line-l\">\n              <span class=\"hw-dot hw-dot-grey\"><\/span>\n              Co\u00fbts d'entretien &amp; annexes\n              <span class=\"hw-tip\" data-tip=\"1% du prix d'achat par an \u00f7 12\">?<\/span>\n            <\/div>\n            <div class=\"hw-line-v\" id=\"hw-maintenance\">\u2014<\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"hw-total\">\n          <span class=\"hw-total-lbl\">Co\u00fbts mensuels<\/span>\n          <span class=\"hw-total-val\" id=\"hw-monthly-bot\">\u2014<\/span>\n        <\/div>\n\n        <div class=\"hw-afford\">\n          <div class=\"hw-afford-lbl\">\n            <span>Part du revenu mensuel<\/span>\n            <span class=\"hw-afford-pct\" id=\"hw-afford-pct\">\u2014%<\/span>\n          <\/div>\n          <div class=\"hw-afford-track\">\n            <div class=\"hw-afford-fill\" id=\"hw-afford-bar\" style=\"width:0%;background:#071659\"><\/div>\n          <\/div>\n          <div class=\"hw-afford-note\" id=\"hw-afford-note\">Seuil recommand\u00e9 : 33% du revenu brut mensuel<\/div>\n        <\/div>\n      <\/div>\n\n      <!-- CTA -->\n      <div class=\"hw-cta\">\n        <a href=\"https:\/\/invexa.ch\/fr\/services\/hypotheque\/#conseil\" class=\"hw-cta-btn\">\n          Obtenir une offre personnalis\u00e9e\n          <i class=\"fas fa-arrow-right\"><\/i>\n        <\/a>\n      <\/div>\n\n    <\/div>\n  <\/div>\n\n<\/div>\n\n<script>\n(function() {\n  var hwTab = 'primary';\n\n  function hwParse(str) {\n    return parseFloat(String(str).replace(\/'\/g, '').replace(\/\\s\/g, '')) || 0;\n  }\n  function hwFmt(n) {\n    if (isNaN(n) || n === null) return '\u2014';\n    return Math.round(n).toString().replace(\/\\B(?=(\\d{3})+(?!\\d))\/g, \"'\");\n  }\n\n  window.hwUpdateFill = function(sliderId, fillId, min, max) {\n    var sl = document.getElementById(sliderId);\n    var fill = document.getElementById(fillId);\n    if (!sl || !fill) return;\n    var pct = ((parseFloat(sl.value) - min) \/ (max - min)) * 100;\n    fill.style.width = Math.max(0, Math.min(100, pct)) + '%';\n  };\n\n  \/\/ Init fills on load\n  hwUpdateFill('hw-price-sl',  'hw-price-fill',  100000, 5000000);\n  hwUpdateFill('hw-income-sl', 'hw-income-fill', 20000,  1000000);\n  hwUpdateFill('hw-equity-sl', 'hw-equity-fill', 0,      3000000);\n\n  \/\/ Blur = format with apostrophes; Focus = raw number\n  ['hw-price','hw-income','hw-equity','hw-renov-cost'].forEach(function(id) {\n    var el = document.getElementById(id);\n    if (!el) return;\n    el.addEventListener('blur', function() {\n      var raw = hwParse(this.value);\n      if (raw >= 0) this.value = hwFmt(raw);\n    });\n    el.addEventListener('focus', function() {\n      var raw = hwParse(this.value);\n      if (raw > 0) this.value = raw;\n    });\n  });\n\n  window.hwSetTab = function(tab) {\n    hwTab = tab;\n    document.querySelectorAll('.hw-tab').forEach(function(b, i) {\n      b.classList.toggle('active', (i === 0 && tab === 'primary') || (i === 1 && tab === 'secondary'));\n    });\n    document.getElementById('hw-rule-primary').classList.toggle('visible', tab === 'primary');\n    document.getElementById('hw-rule-secondary').classList.toggle('visible', tab === 'secondary');\n    hwCalc();\n  };\n\n  window.hwSyncSlider = function(textId, sliderId) {\n    var v = hwParse(document.getElementById(textId).value);\n    if (v >= 0) document.getElementById(sliderId).value = v;\n    \/\/ update fill based on slider id\n    var fillMap = {'hw-price-sl':['hw-price-fill',100000,5000000],'hw-income-sl':['hw-income-fill',20000,1000000],'hw-equity-sl':['hw-equity-fill',0,3000000]};\n    if (fillMap[sliderId]) hwUpdateFill(sliderId, fillMap[sliderId][0], fillMap[sliderId][1], fillMap[sliderId][2]);\n  };\n\n  window.hwSyncText = function(sliderId, textId) {\n    var v = parseFloat(document.getElementById(sliderId).value) || 0;\n    document.getElementById(textId).value = hwFmt(v);\n  };\n\n  window.hwCalc = function() {\n    var price    = hwParse(document.getElementById('hw-price').value);\n    var income   = hwParse(document.getElementById('hw-income').value);\n    var equity   = hwParse(document.getElementById('hw-equity').value);\n    var rate     = parseFloat(document.getElementById('hw-rate').value) || 1.5;\n    var renov    = document.getElementById('hw-renov').checked;\n    var renovAmt = renov ? hwParse(document.getElementById('hw-renov-cost').value) : 0;\n\n    document.getElementById('hw-renov-field').style.display = renov ? 'block' : 'none';\n\n    var effEquity    = equity - renovAmt;\n    var minPct       = hwTab === 'primary' ? 0.20 : 0.40;\n    var minEquityAmt = price * minPct;\n    var mortgage     = Math.max(0, price - effEquity);\n    var interestMo   = (mortgage * rate \/ 100) \/ 12;\n    var maintMo      = (price * 0.01) \/ 12;\n    var monthly      = interestMo + maintMo;\n    var monthlyInc   = income \/ 12;\n    var affordPct    = monthlyInc > 0 ? (monthly \/ monthlyInc * 100) : 0;\n\n    var equityOk = effEquity >= minEquityAmt;\n    var affordOk = affordPct <= 33;\n\n    var sc, dc, msg;\n    if (equityOk && affordOk) {\n      sc='ok'; dc='ok'; msg=\"Vous avez les moyens d'acqu\u00e9rir ce bien immobilier.\";\n    } else if (!equityOk && !affordOk) {\n      sc='bad'; dc='bad'; msg='Fonds propres insuffisants (min. '+(minPct*100)+'%) et charges trop \u00e9lev\u00e9es (> 33% du revenu).';\n    } else if (!equityOk) {\n      sc='warn'; dc='warn'; msg='Fonds propres insuffisants \u2014 minimum requis : '+hwFmt(minEquityAmt)+' CHF ('+(minPct*100)+'%).';\n    } else {\n      sc='warn'; dc='warn'; msg='Les co\u00fbts mensuels d\u00e9passent 33% de votre revenu brut mensuel.';\n    }\n\n    var total = interestMo + maintMo;\n    var pctI  = total > 0 ? (interestMo \/ total * 100) : 50;\n    var pctM  = total > 0 ? (maintMo \/ total * 100) : 50;\n\n    var barColor = '#071659';\n    if (affordPct > 33) barColor = '#c0392b';\n    else if (affordPct > 28) barColor = '#e07b00';\n\n    document.getElementById('hw-status').className = 'hw-status ' + sc;\n    document.getElementById('hw-sdot').className   = 'hw-sdot ' + dc;\n    document.getElementById('hw-stxt').textContent = msg;\n    document.getElementById('hw-mortgage').textContent    = hwFmt(mortgage);\n    document.getElementById('hw-monthly-top').textContent = hwFmt(monthly);\n    document.getElementById('hw-monthly-bot').textContent = hwFmt(monthly) + ' CHF';\n    document.getElementById('hw-rate-lbl').textContent    = rate;\n    document.getElementById('hw-interest').textContent    = hwFmt(interestMo) + ' CHF';\n    document.getElementById('hw-maintenance').textContent = hwFmt(maintMo) + ' CHF';\n    document.getElementById('hw-bar-i').style.width = pctI + '%';\n    document.getElementById('hw-bar-m').style.width = pctM + '%';\n    document.getElementById('hw-afford-pct').textContent = affordPct.toFixed(1) + '%';\n    document.getElementById('hw-afford-bar').style.width = Math.min(affordPct, 100) + '%';\n    document.getElementById('hw-afford-bar').style.background = barColor;\n\n    var note = document.getElementById('hw-afford-note');\n    if (affordPct > 33) {\n      note.textContent = 'Vos co\u00fbts d\u00e9passent 33% \u2014 envisagez un bien moins on\u00e9reux ou plus de fonds propres.';\n      note.style.color = '#c0392b';\n    } else {\n      note.textContent = 'Seuil recommand\u00e9 : 33% du revenu brut mensuel';\n      note.style.color = '#9aa5bc';\n    }\n  };\n\n  hwCalc();\n})();\n<\/script>\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-9f9682a e-flex e-con-boxed e-con e-parent\" data-id=\"9f9682a\" 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-d83533f elementor-widget elementor-widget-heading\" data-id=\"d83533f\" 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-4bab581 elementor-widget elementor-widget-toggle\" data-id=\"4bab581\" 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-7931\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-7931\" 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 calculer le montant d'une hypoth\u00e8que ?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7931\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-7931\"><p>Le montant de votre hypoth\u00e8que correspond au prix d&rsquo;achat du bien immobilier moins vos fonds propres. En Suisse, vous devez financer au moins 20 % du prix d&rsquo;achat avec vos fonds propres pour une r\u00e9sidence principale (40 % pour une r\u00e9sidence secondaire). Le reste peut \u00eatre financ\u00e9 par une hypoth\u00e8que.<\/p><p>Exemple : pour un bien \u00e0 800&rsquo;000 CHF avec 200&rsquo;000 CHF de fonds propres, le montant hypoth\u00e9caire sera de 600&rsquo;000 CHF.<br \/>Pour s&rsquo;assurer de la viabilit\u00e9 du financement, les charges mensuelles (int\u00e9r\u00eats + amortissement + frais d&rsquo;entretien) ne doivent pas d\u00e9passer 33 % de votre revenu brut annuel.<\/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-7932\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-7932\" 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 est le meilleur taux hypoth\u00e9caire aujourd'hui en Suisse ?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7932\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-7932\"><p>Les taux hypoth\u00e9caires varient selon le type de produit choisi (taux fixe, SARON, variable), la dur\u00e9e, le profil de l&#8217;emprunteur et l&rsquo;\u00e9tablissement financier. En Suisse, les taux fixes \u00e0 court terme sont g\u00e9n\u00e9ralement plus bas que les taux \u00e0 long terme. Pour obtenir le meilleur taux, il est essentiel de comparer les offres de plusieurs banques et assurances.<\/p><p>Invexa travaille avec l&rsquo;ensemble des \u00e9tablissements financiers suisses et n\u00e9gocie pour vous les meilleures conditions du march\u00e9, sans frais suppl\u00e9mentaires.<\/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-7933\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-7933\" 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 est le meilleur taux hypoth\u00e9caire \u00e0 10 ans ?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7933\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-7933\"><p>Le taux fixe \u00e0 10 ans est l&rsquo;un des produits hypoth\u00e9caires les plus populaires en Suisse car il offre une stabilit\u00e9 et une pr\u00e9visibilit\u00e9 \u00e0 long terme. Son niveau d\u00e9pend des taux directeurs, des anticipations des march\u00e9s et de la politique de chaque \u00e9tablissement. Les <a href=\"https:\/\/invexa.ch\/finances\/hypotheque\/taux-hypothecaires-suisses\/\">taux hypoth\u00e9caires<\/a> \u00e0 10 ans sont g\u00e9n\u00e9ralement sup\u00e9rieurs aux taux \u00e0 2 ou 5 ans, mais prot\u00e8gent contre une hausse future des taux.<\/p><p>Invexa compare les offres de toutes les banques, caisses de pension et assurances suisses pour vous trouver le meilleur taux \u00e0 10 ans selon votre situation.<\/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-7934\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-7934\" 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'est-ce que le taux SARON et comment \u00e9volue-t-il sur 10 ans ?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7934\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-7934\"><p>Le SARON (Swiss Average Rate Overnight) est le taux de r\u00e9f\u00e9rence du march\u00e9 mon\u00e9taire suisse, qui a remplac\u00e9 le LIBOR en 2022. Une hypoth\u00e8que SARON est une hypoth\u00e8que \u00e0 taux variable index\u00e9e sur ce taux interbancaire, recalcul\u00e9e p\u00e9riodiquement (g\u00e9n\u00e9ralement tous les 3 mois).<\/p><p>Sur 10 ans, le taux SARON peut fluctuer significativement selon la politique mon\u00e9taire de la Banque Nationale Suisse (BNS). Historiquement, les hypoth\u00e8ques SARON ont souvent co\u00fbt\u00e9 moins cher que les taux fixes sur le long terme, mais elles comportent un risque de hausse. Ce produit convient aux emprunteurs capables d&rsquo;absorber des variations de mensualit\u00e9s.<\/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-7935\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-7935\" 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\">Quels sont les fonds propres n\u00e9cessaires pour obtenir une hypoth\u00e8que ?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7935\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-7935\"><p>Pour une r\u00e9sidence principale en Suisse, vous devez apporter au minimum 20 % du prix d&rsquo;achat en fonds propres. Au moins la moiti\u00e9 de ces fonds propres (soit 10 % du prix d&rsquo;achat) doit provenir de sources hors pr\u00e9voyance professionnelle : \u00e9pargne personnelle, compte courant, titres, avance sur h\u00e9ritage ou donation, <a href=\"https:\/\/invexa.ch\/prevoyance\/pilier-3b\/\">pilier 3b<\/a>.<\/p><p>Pour une r\u00e9sidence secondaire ou un investissement locatif, les exigences sont plus strictes : il faut en g\u00e9n\u00e9ral 33 % de fonds propres, enti\u00e8rement issus de sources libres (sans recours \u00e0 la pr\u00e9voyance).<\/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-7936\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-7936\" 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 Invexa trouve-t-elle le meilleur taux hypoth\u00e9caire pour moi ?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7936\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-7936\"><p>Contrairement \u00e0 votre banque qui ne propose que ses propres produits, Invexa est un courtier ind\u00e9pendant qui analyse et compare les offres de l&rsquo;ensemble des \u00e9tablissements financiers actifs en Suisse : banques, assurances, et caisses de pension.<\/p><p>Notre processus est simple : vous partagez votre situation, nous analysons votre dossier, puis nous sollicitons et comparons les offres pour vous pr\u00e9senter la solution la mieux adapt\u00e9e en termes de taux, de flexibilit\u00e9 et de conditions g\u00e9n\u00e9rales. Notre accompagnement est sans frais pour vous.<\/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-7937\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-7937\" 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'est-ce que l'amortissement hypoth\u00e9caire et est-il obligatoire ?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7937\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-7937\"><p>L&rsquo;amortissement consiste \u00e0 rembourser progressivement votre hypoth\u00e8que. En Suisse, seule la part de l&rsquo;hypoth\u00e8que d\u00e9passant 67 % de la valeur du bien (appel\u00e9e hypoth\u00e8que de 2e rang) doit obligatoirement \u00eatre amortie, dans un d\u00e9lai de 15 ans ou avant la retraite.<\/p><p>Il existe deux formes d&rsquo;amortissement : l&rsquo;amortissement direct (remboursement r\u00e9gulier du capital) et l&rsquo;amortissement indirect via le pilier 3a, fiscalement plus avantageux dans de nombreux cantons.<\/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-7938\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-7938\" 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\">Peut-on utiliser son 2\u00e8me pilier ou son pilier 3a pour acheter un bien immobilier ?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7938\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-7938\"><p>Oui, sous certaines conditions. En Suisse, il est possible de retirer ou de mettre en gage tout ou partie de son avoir de <a href=\"https:\/\/invexa.ch\/prevoyance\/2eme-pilier\/\">caisse de pension (2\u00e8me pilier)<\/a> ou de son <a href=\"https:\/\/invexa.ch\/prevoyance\/pilier-3a\/\">pilier 3a<\/a> pour financer l&rsquo;achat d&rsquo;une r\u00e9sidence principale. Ce retrait anticip\u00e9 peut couvrir jusqu&rsquo;\u00e0 10 % de la valeur du bien.<\/p><p>Attention : utiliser son 2e pilier r\u00e9duit les prestations de retraite futures et peut entra\u00eener une imposition ponctuelle. Il est conseill\u00e9 d&rsquo;analyser cette option soigneusement avec un expert avant de proc\u00e9der.<\/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\":\"Comment calculer le montant d'une hypoth\\u00e8que ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Le montant de votre hypoth\\u00e8que correspond au prix d&rsquo;achat du bien immobilier moins vos fonds propres. En Suisse, vous devez financer au moins 20 % du prix d&rsquo;achat avec vos fonds propres pour une r\\u00e9sidence principale (40 % pour une r\\u00e9sidence secondaire). Le reste peut \\u00eatre financ\\u00e9 par une hypoth\\u00e8que.<\\\/p><p>Exemple : pour un bien \\u00e0 800&rsquo;000 CHF avec 200&rsquo;000 CHF de fonds propres, le montant hypoth\\u00e9caire sera de 600&rsquo;000 CHF.<br \\\/>Pour s&rsquo;assurer de la viabilit\\u00e9 du financement, les charges mensuelles (int\\u00e9r\\u00eats + amortissement + frais d&rsquo;entretien) ne doivent pas d\\u00e9passer 33 % de votre revenu brut annuel.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Quel est le meilleur taux hypoth\\u00e9caire aujourd'hui en Suisse ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Les taux hypoth\\u00e9caires varient selon le type de produit choisi (taux fixe, SARON, variable), la dur\\u00e9e, le profil de l&#8217;emprunteur et l&rsquo;\\u00e9tablissement financier. En Suisse, les taux fixes \\u00e0 court terme sont g\\u00e9n\\u00e9ralement plus bas que les taux \\u00e0 long terme. Pour obtenir le meilleur taux, il est essentiel de comparer les offres de plusieurs banques et assurances.<\\\/p><p>Invexa travaille avec l&rsquo;ensemble des \\u00e9tablissements financiers suisses et n\\u00e9gocie pour vous les meilleures conditions du march\\u00e9, sans frais suppl\\u00e9mentaires.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Quel est le meilleur taux hypoth\\u00e9caire \\u00e0 10 ans ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Le taux fixe \\u00e0 10 ans est l&rsquo;un des produits hypoth\\u00e9caires les plus populaires en Suisse car il offre une stabilit\\u00e9 et une pr\\u00e9visibilit\\u00e9 \\u00e0 long terme. Son niveau d\\u00e9pend des taux directeurs, des anticipations des march\\u00e9s et de la politique de chaque \\u00e9tablissement. Les <a href=\\\"https:\\\/\\\/invexa.ch\\\/finances\\\/hypotheque\\\/taux-hypothecaires-suisses\\\/\\\">taux hypoth\\u00e9caires<\\\/a> \\u00e0 10 ans sont g\\u00e9n\\u00e9ralement sup\\u00e9rieurs aux taux \\u00e0 2 ou 5 ans, mais prot\\u00e8gent contre une hausse future des taux.<\\\/p><p>Invexa compare les offres de toutes les banques, caisses de pension et assurances suisses pour vous trouver le meilleur taux \\u00e0 10 ans selon votre situation.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Qu'est-ce que le taux SARON et comment \\u00e9volue-t-il sur 10 ans ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Le SARON (Swiss Average Rate Overnight) est le taux de r\\u00e9f\\u00e9rence du march\\u00e9 mon\\u00e9taire suisse, qui a remplac\\u00e9 le LIBOR en 2022. Une hypoth\\u00e8que SARON est une hypoth\\u00e8que \\u00e0 taux variable index\\u00e9e sur ce taux interbancaire, recalcul\\u00e9e p\\u00e9riodiquement (g\\u00e9n\\u00e9ralement tous les 3 mois).<\\\/p><p>Sur 10 ans, le taux SARON peut fluctuer significativement selon la politique mon\\u00e9taire de la Banque Nationale Suisse (BNS). Historiquement, les hypoth\\u00e8ques SARON ont souvent co\\u00fbt\\u00e9 moins cher que les taux fixes sur le long terme, mais elles comportent un risque de hausse. Ce produit convient aux emprunteurs capables d&rsquo;absorber des variations de mensualit\\u00e9s.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Quels sont les fonds propres n\\u00e9cessaires pour obtenir une hypoth\\u00e8que ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Pour une r\\u00e9sidence principale en Suisse, vous devez apporter au minimum 20 % du prix d&rsquo;achat en fonds propres. Au moins la moiti\\u00e9 de ces fonds propres (soit 10 % du prix d&rsquo;achat) doit provenir de sources hors pr\\u00e9voyance professionnelle : \\u00e9pargne personnelle, compte courant, titres, avance sur h\\u00e9ritage ou donation, <a href=\\\"https:\\\/\\\/invexa.ch\\\/prevoyance\\\/pilier-3b\\\/\\\">pilier 3b<\\\/a>.<\\\/p><p>Pour une r\\u00e9sidence secondaire ou un investissement locatif, les exigences sont plus strictes : il faut en g\\u00e9n\\u00e9ral 33 % de fonds propres, enti\\u00e8rement issus de sources libres (sans recours \\u00e0 la pr\\u00e9voyance).<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Comment Invexa trouve-t-elle le meilleur taux hypoth\\u00e9caire pour moi ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Contrairement \\u00e0 votre banque qui ne propose que ses propres produits, Invexa est un courtier ind\\u00e9pendant qui analyse et compare les offres de l&rsquo;ensemble des \\u00e9tablissements financiers actifs en Suisse : banques, assurances, et caisses de pension.<\\\/p><p>Notre processus est simple : vous partagez votre situation, nous analysons votre dossier, puis nous sollicitons et comparons les offres pour vous pr\\u00e9senter la solution la mieux adapt\\u00e9e en termes de taux, de flexibilit\\u00e9 et de conditions g\\u00e9n\\u00e9rales. Notre accompagnement est sans frais pour vous.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Qu'est-ce que l'amortissement hypoth\\u00e9caire et est-il obligatoire ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>L&rsquo;amortissement consiste \\u00e0 rembourser progressivement votre hypoth\\u00e8que. En Suisse, seule la part de l&rsquo;hypoth\\u00e8que d\\u00e9passant 67 % de la valeur du bien (appel\\u00e9e hypoth\\u00e8que de 2e rang) doit obligatoirement \\u00eatre amortie, dans un d\\u00e9lai de 15 ans ou avant la retraite.<\\\/p><p>Il existe deux formes d&rsquo;amortissement : l&rsquo;amortissement direct (remboursement r\\u00e9gulier du capital) et l&rsquo;amortissement indirect via le pilier 3a, fiscalement plus avantageux dans de nombreux cantons.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Peut-on utiliser son 2\\u00e8me pilier ou son pilier 3a pour acheter un bien immobilier ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Oui, sous certaines conditions. En Suisse, il est possible de retirer ou de mettre en gage tout ou partie de son avoir de <a href=\\\"https:\\\/\\\/invexa.ch\\\/prevoyance\\\/2eme-pilier\\\/\\\">caisse de pension (2\\u00e8me pilier)<\\\/a> ou de son <a href=\\\"https:\\\/\\\/invexa.ch\\\/prevoyance\\\/pilier-3a\\\/\\\">pilier 3a<\\\/a> pour financer l&rsquo;achat d&rsquo;une r\\u00e9sidence principale. Ce retrait anticip\\u00e9 peut couvrir jusqu&rsquo;\\u00e0 10 % de la valeur du bien.<\\\/p><p>Attention : utiliser son 2e pilier r\\u00e9duit les prestations de retraite futures et peut entra\\u00eener une imposition ponctuelle. Il est conseill\\u00e9 d&rsquo;analyser cette option soigneusement avec un expert avant de proc\\u00e9der.<\\\/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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-418653a elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"418653a\" 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-100 elementor-top-column elementor-element elementor-element-b28048d\" data-id=\"b28048d\" 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-8a574aa elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"8a574aa\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\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-inner-column elementor-element elementor-element-f99d58a\" data-id=\"f99d58a\" 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-65dff21 elementor-widget elementor-widget-heading\" data-id=\"65dff21\" 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\">Faites-vous conseiller<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0529e8 elementor-widget elementor-widget-text-editor\" data-id=\"e0529e8\" 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>Prenez rendez-vous gratuitement avec un de nos experts en hypoth\u00e8que pour un conseil personnalis\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-3b90f8b elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"3b90f8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/meetings-eu1.hubspot.com\/claire-fivaz\/appel-decouverte\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Prendre rendez-vous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\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-inner-column elementor-element elementor-element-202f715\" data-id=\"202f715\" 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-c55440e elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"c55440e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;]}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1600\" height=\"1067\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller.jpg\" class=\"attachment-full size-full wp-image-493\" alt=\"Se faire conseiller\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller.jpg 1600w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller-300x200.jpg 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller-1024x683.jpg 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller-768x512.jpg 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller-1536x1024.jpg 1536w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/>\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\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>Estimez votre capacit\u00e9 financi\u00e8re, les co\u00fbts mensuels et votre marge pour l&rsquo;acquisition d&rsquo;un bien immobilier.<\/p>\n","protected":false},"author":1,"featured_media":8549,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[21],"tags":[50],"class_list":["post-8443","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hypotheque","tag-calculateur"],"_links":{"self":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/8443","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=8443"}],"version-history":[{"count":31,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/8443\/revisions"}],"predecessor-version":[{"id":8857,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/posts\/8443\/revisions\/8857"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/media\/8549"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/media?parent=8443"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/categories?post=8443"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.ch\/fr\/wp-json\/wp\/v2\/tags?post=8443"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}