{"id":197634,"date":"2024-12-12T20:34:49","date_gmt":"2024-12-12T19:34:49","guid":{"rendered":"https:\/\/www.bestfinance.ch\/?page_id=197634"},"modified":"2026-07-26T19:08:05","modified_gmt":"2026-07-26T17:08:05","slug":"credit-budget-calculator-online","status":"publish","type":"page","link":"https:\/\/www.bestfinance.ch\/en\/kredit-budgetrechner-online\/","title":{"rendered":"Online credit budget calculator"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"197634\" class=\"elementor elementor-197634\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b02142 e-flex e-con-boxed e-con e-parent\" data-id=\"5b02142\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee23e45 elementor-widget elementor-widget-spacer\" data-id=\"ee23e45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\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-7f33a3a e-flex e-con-boxed e-con e-parent\" data-id=\"7f33a3a\" 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-037931d elementor-widget elementor-widget-html\" data-id=\"037931d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!--\r\n================================================================================\r\n Datei    : hero-elementor.html\r\n Zweck    : Hero-Bereich f\u00fcr den Kredit-Budgetrechner.\r\n            Inhalt eines Elementor-HTML-Widgets.\r\n Stand    : 2026-07-26\r\n Bedingt  : Plugin \"BF Budget-Rechner\" ab Version 1.0.1\r\n\r\n WAS HIER ENTFERNT WURDE\r\n   - der komplette <style>-Block          -> liegt jetzt in assets\/bf-budget.css\r\n   - der komplette <script>-Block         -> liegt jetzt in assets\/bf-budget.js\r\n   - das gesamte Rechnerformular          -> kommt \u00fcber <div class=\"bfh-root bfh-nur-karte\" data-bf-budget=\"1\">\n\n      <div class=\"bfh-card\">\n        <div class=\"bfh-card-top\">\n          <div>\n            <div class=\"bfh-card-top-title\">Kreditrahmen berechnen<\/div>\n            <div class=\"bfh-card-top-sub\">Schritt f\u00fcr Schritt \u2013 dauert ca. 2 Minuten<\/div>\n          <\/div>\n          <div class=\"bfh-card-top-icon\">\n            <svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"rgba(255,255,255,.8)\" stroke-width=\"2\">\n              <rect x=\"2\" y=\"3\" width=\"20\" height=\"18\" rx=\"2\"\/><path d=\"M8 10h8M8 14h5\"\/><circle cx=\"17\" cy=\"14\" r=\"3\"\/>\n            <\/svg>\n          <\/div>\n        <\/div>\n\n        <div class=\"bf-wrap\" id=\"bfhWrap\">\n\n          <div class=\"bf-progress-wrap\" id=\"bfhProgressWrap\">\n            <div class=\"bf-step-label\">\n              <span id=\"bfhStepLbl\">Schritt 1 von 5<\/span>\n              <span id=\"bfhPctLbl\">20%<\/span>\n            <\/div>\n            <div class=\"bf-bar-bg\"><div class=\"bf-bar\" id=\"bfhBar\" style=\"width:20%\"><\/div><\/div>\n          <\/div>\n          <div class=\"bf-steps-dots\" id=\"bfhDots\">\n            <div class=\"bf-dot active\" id=\"bfhDot1\"><\/div><div class=\"bf-dot\" id=\"bfhDot2\"><\/div>\n            <div class=\"bf-dot\" id=\"bfhDot3\"><\/div><div class=\"bf-dot\" id=\"bfhDot4\"><\/div>\n            <div class=\"bf-dot\" id=\"bfhDot5\"><\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 1 \u2500\u2500 -->\n          <div class=\"bf-step active\" id=\"bfhS1\">\n            <div class=\"bf-step-title\">Pers\u00f6nliche Daten<\/div>\n            <div class=\"bf-step-desc\">Wir \u00fcberpr\u00fcfen Ihren finanziellen Spielraum \u2013 anonym und unverbindlich.<\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Geburtsjahr <span class=\"req\">*<\/span><\/label>\n                <select class=\"bf-select\" id=\"bfhJahr\"><\/select>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-row cols3\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Postleitzahl<\/label>\n                <input class=\"bf-input\" id=\"bfhPlz\" type=\"text\" inputmode=\"numeric\" maxlength=\"4\" placeholder=\"z.B. 5000\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Wohnort<\/label>\n                <input class=\"bf-input readonly\" id=\"bfhOrt\" type=\"text\" placeholder=\"Aarau\" readonly>\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Kanton <span class=\"req\">*<\/span>\n                  <span class=\"bf-info\" data-tip=\"Der Kanton bestimmt Steuersatz und gesetzlichen Grundbedarf.\">i<\/span>\n                <\/label>\n                <select class=\"bf-select\" id=\"bfhKanton\">\n                  <option value=\"\">\u2013 w\u00e4hlen \u2013<\/option>\n                  <option>AG<\/option><option>AI<\/option><option>AR<\/option><option>BE<\/option><option>BL<\/option>\n                  <option>BS<\/option><option>FR<\/option><option>GE<\/option><option>GL<\/option><option>GR<\/option>\n                  <option>JU<\/option><option>LU<\/option><option>NE<\/option><option>NW<\/option><option>OW<\/option>\n                  <option>SG<\/option><option>SH<\/option><option>SO<\/option><option>SZ<\/option><option>TG<\/option>\n                  <option>TI<\/option><option>UR<\/option><option>VD<\/option><option>VS<\/option><option>ZG<\/option>\n                  <option>ZH<\/option>\n                <\/select>\n              <\/div>\n            <\/div>\n            <input type=\"hidden\" id=\"bfhSteuern\" value=\"10\">\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Zivilstand <span class=\"req\">*<\/span><\/label>\n                <select class=\"bf-select\" id=\"bfhZivil\">\n                  <option value=\"\">\u2013 bitte w\u00e4hlen \u2013<\/option>\n                  <option value=\"ledig\">Ledig<\/option>\n                  <option value=\"verheiratet\">Verheiratet<\/option>\n                  <option value=\"konkubinat\">Konkubinat<\/option>\n                  <option value=\"eingetragene_partnerschaft\">Eingetragene Partnerschaft<\/option>\n                  <option value=\"geschieden\">Geschieden<\/option>\n                  <option value=\"verwitwet\">Verwitwet<\/option>\n                <\/select>\n              <\/div>\n              <div class=\"bf-group\">\n                <!-- value = Kategorie, nicht Betrag: der Grundbedarf haengt vom Kanton ab -->\n                <label class=\"bf-label\">Wohnsituation <span class=\"req\">*<\/span><\/label>\n                <select class=\"bf-select\" id=\"bfhWohnSit\">\n                  <option value=\"\">\u2013 bitte w\u00e4hlen \u2013<\/option>\n                  <option value=\"allein\">Allein<\/option>\n                  <option value=\"allein_hg\">Allein mit Erwachsenen<\/option>\n                  <option value=\"ehepaar\">Mit Partner\/in (Ehepaar)<\/option>\n                  <option value=\"alleinerz\">Alleinerziehend<\/option>\n                  <option value=\"alleinerz_hg\">Alleinerziehend mit Erwachsenen<\/option>\n                <\/select>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Anzahl Kinder                <span class=\"bf-info\" data-tip=\"Kinder bis 25 Jahre werden ber\u00fccksichtigt.\">i<\/span>\n              <\/label>\n              <select class=\"bf-select\" id=\"bfhKinderAnz\">\n                <option value=\"0\">Keine Kinder<\/option>\n                <option value=\"1\">1<\/option><option value=\"2\">2<\/option><option value=\"3\">3<\/option>\n                <option value=\"4\">4<\/option><option value=\"5\">5<\/option>\n              <\/select>\n            <\/div>\n            <div class=\"bf-kinder-grid\" id=\"bfhKinderGrid\" style=\"display:none\"><\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Nationalit\u00e4t \/ Aufenthaltstitel <span class=\"req\">*<\/span><\/label>\n              <select class=\"bf-select\" id=\"bfhNatio\">\n                <option value=\"\">\u2013 bitte w\u00e4hlen \u2013<\/option>\n                <option value=\"CH\">\ud83c\udde8\ud83c\udded Schweizer\/in (CH)<\/option>\n                <option value=\"B\">Ausweis B \u2013 Aufenthaltsbewilligung<\/option>\n                <option value=\"C\">Ausweis C \u2013 Niederlassungsbewilligung<\/option>\n                <option value=\"G\">Ausweis G \u2013 Grenzg\u00e4nger\/in<\/option>\n              <\/select>\n            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr1\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"1\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 2 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS2\">\n            <div class=\"bf-step-title\">Eink\u00fcnfte<\/div>\n            <div class=\"bf-step-desc\">Ihr monatliches Nettoeinkommen nach Abzug der Sozialversicherungen.<\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Monatliches Nettoeinkommen                <span class=\"bf-info\" data-tip=\"Lohn nach AHV, IV, ALV und BVG, vor Quellensteuer.\">i<\/span>\n                <span class=\"req\"> *<\/span>\n              <\/label>\n              <input class=\"bf-input\" id=\"bfhEk\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"z.B. 5000\">\n              <div style=\"margin-top:7px\">\n                <div style=\"font-size:10.5px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.5px;margin-bottom:5px\">Anzahl Monatsl\u00f6hne<\/div>\n                <div class=\"bf-toggle-row\">\n                  <button type=\"button\" class=\"bf-toggle active\" id=\"bfhT12\" data-bf-mt=\"12\">12<\/button>\n                  <button type=\"button\" class=\"bf-toggle\" id=\"bfhT13\" data-bf-mt=\"13\">13<\/button>\n                <\/div>\n              <\/div>\n              <input type=\"hidden\" id=\"bfhMt\" value=\"12\">\n              <div class=\"bf-jahresek\"><span id=\"bfhEkJLbl\">J\u00e4hrliches Nettoeinkommen:<\/span> <strong id=\"bfhEkJ\">\u2013<\/strong><\/div>\n            <\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Nebenjob \/ Zusatz (CHF\/Mt.)<\/label>\n                <input class=\"bf-input\" id=\"bfhZusatz\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Andere Eink\u00fcnfte (Bonus etc.)<\/label>\n                <input class=\"bf-input\" id=\"bfhAndere\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n                <div class=\"bf-hint\">J\u00e4hrlicher Betrag \u00f7 12<\/div>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-group\" id=\"bfhGrpPartner\" style=\"display:none\">\n              <label class=\"bf-label\">Nettoeinkommen Partner\/in (CHF\/Mt.)<\/label>\n              <input class=\"bf-input\" id=\"bfhEkP\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n              <div style=\"margin-top:7px\">\n                <div class=\"bf-toggle-row\">\n                  <button type=\"button\" class=\"bf-toggle active\" id=\"bfhTP12\" data-bf-mtp=\"12\">12<\/button>\n                  <button type=\"button\" class=\"bf-toggle\" id=\"bfhTP13\" data-bf-mtp=\"13\">13<\/button>\n                <\/div>\n              <\/div>\n              <input type=\"hidden\" id=\"bfhMtP\" value=\"12\">\n              <div class=\"bf-jahresek\"><span>J\u00e4hrliches Nettoeinkommen:<\/span> <strong id=\"bfhEkPJ\">\u2013<\/strong><\/div>\n            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr2\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"2\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"2\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 3 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS3\">\n            <div class=\"bf-step-title\">Ausgaben pro Monat<\/div>\n            <div class=\"bf-step-desc\">Grundbedarf und Kinderkosten werden nach dem Kreisschreiben Ihres Kantons berechnet.<\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Grundbedarf (pauschal)                  <span class=\"bf-info\" data-tip=\"Betreibungsrechtliches Existenzminimum nach dem Kreisschreiben Ihres Wohnkantons.\">i<\/span>\n                <\/label>\n                <input class=\"bf-input readonly\" id=\"bfhGrundbedarf\" type=\"text\" readonly tabindex=\"-1\">\n              <\/div>\n              <div class=\"bf-group\" id=\"bfhGrpKinderK\">\n                <label class=\"bf-label\">Kinderkosten (pauschal)                  <span class=\"bf-info\" id=\"bfhKinderTip\" data-tip=\"\">i<\/span>\n                <\/label>\n                <input class=\"bf-input readonly\" id=\"bfhKinderK\" type=\"text\" readonly tabindex=\"-1\">\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Miete \/ Hypothek \u2013 Ihr Anteil (CHF\/Mt.)<\/label>\n              <input class=\"bf-input\" id=\"bfhMiete\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"z.B. 1200\">\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Krankenkassenpr\u00e4mie gesamt (CHF\/Mt.) <span class=\"req\">*<\/span>\n                <span class=\"bf-info\" data-tip=\"Gesamtbetrag f\u00fcr alle Haushaltsmitglieder.\">i<\/span>\n              <\/label>\n              <input class=\"bf-input\" id=\"bfhKK\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"z.B. 450\">\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Transportmittel Arbeitsplatz<\/label>\n              <!-- data-transport traegt den deutschen Wert, den das Antragsformular\n                   erwartet. Er darf NICHT aus dem sichtbaren Text abgeleitet werden:\n                   TranslatePress uebersetzt die Beschriftung, das data-Attribut nicht. -->\n              <select class=\"bf-select\" id=\"bfhTransport\">\n                <option value=\"0\"   data-transport=\"Zu Fuss\">Zu Fuss (CHF 0\/Mt.)<\/option>\n                <option value=\"50\"  data-transport=\"Velo\">Velo (CHF 50\/Mt.)<\/option>\n                <option value=\"100\" data-transport=\"Motorrad\">Motorrad (CHF 100\/Mt.)<\/option>\n                <option value=\"190\" data-transport=\"\u00d6ffentlicher Verkehr\">\u00d6ffentliche Verkehrsmittel (CHF 190\/Mt.)<\/option>\n                <option value=\"190\" data-transport=\"Auto\" selected>Auto (CHF 190\/Mt.)<\/option>\n                <option value=\"0\"   data-transport=\"Gesch\u00e4ftsauto\">Gesch\u00e4ftsauto (CHF 0\/Mt.)<\/option>\n              <\/select>\n            <\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Verpflegung (CHF\/Mt.)                  <span class=\"bf-info\" data-tip=\"Arbeitsbedingte Verpflegungskosten ausser Haus.\">i<\/span>\n                <\/label>\n                <input class=\"bf-input\" id=\"bfhVerpfl\" type=\"number\" inputmode=\"decimal\" min=\"0\" value=\"100\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Weitere Ausgaben (CHF\/Mt.)                  <span class=\"bf-info\" data-tip=\"Leasing, Kreditkarten, Kinderbetreuung etc.\">i<\/span>\n                <\/label>\n                <input class=\"bf-input\" id=\"bfhWeitere\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr3\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"3\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"3\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 4 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS4\">\n            <div class=\"bf-step-title\">Weitere Angaben<\/div>\n            <div class=\"bf-step-desc\">Fast fertig \u2013 noch ein paar letzte Details.<\/div>\n\n            <div class=\"bf-group\" id=\"bfhGrpAlimente\" style=\"display:none\">\n              <label class=\"bf-label\">Alimente (CHF\/Mt.)<\/label>\n              <input class=\"bf-input\" id=\"bfhAlimente\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n            <\/div>\n\n            <div style=\"background:var(--gray-light);border-radius:var(--radius);padding:14px 16px;font-size:12.5px;color:var(--gray);line-height:1.6;\">\n              <strong style=\"color:var(--navy);\">\u2139 Hinweis:<\/strong><br>\n              Diese Berechnung basiert auf dem Schweizer Konsumkreditgesetz (KKG) und ist eine erste Orientierung. Die tats\u00e4chliche Kreditvergabe h\u00e4ngt von Bonit\u00e4t, ZEK-Score und Bankrichtlinien ab.            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr4\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"4\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"4\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 5 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS5\">\n            <div class=\"bf-step-title\">Fast geschafft!<\/div>\n            <div class=\"bf-step-desc\">Geben Sie Ihre Kontaktdaten ein, um Ihren Kreditrahmen zu erhalten.<\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Vorname <span class=\"req\">*<\/span><\/label>\n                <input class=\"bf-input\" id=\"bfhVorname\" type=\"text\" placeholder=\"Max\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Name <span class=\"req\">*<\/span><\/label>\n                <input class=\"bf-input\" id=\"bfhName\" type=\"text\" placeholder=\"Mustermann\">\n              <\/div>\n            <\/div>\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">E-Mail-Adresse <span class=\"req\">*<\/span><\/label>\n              <input class=\"bf-input\" id=\"bfhEmail\" type=\"email\" placeholder=\"max.mustermann@beispiel.ch\">\n            <\/div>\n            <div class=\"bf-dsgvo\">\n              \ud83d\udd12 Ihre Daten werden vertraulich behandelt und nicht an Dritte weitergegeben. Die Berechnung ist unverbindlich.            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr5\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"5\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-calc\" id=\"bfhCalcBtn\">\n                <svg width=\"17\" height=\"17\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"M12 6v6l4 2\"\/><\/svg>\n                Kreditrahmen berechnen              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 ERGEBNIS \u2500\u2500 -->\n          <div class=\"bf-result\" id=\"bfhResult\">\n            <div class=\"bf-result-card\">\n              <div class=\"bf-result-label\">Ihr Finanzierungsspielraum<\/div>\n              <div class=\"bf-result-amount\" id=\"bfhResBetrag\">\u2013<\/div>\n              <div class=\"bf-result-sub\" id=\"bfhResSub\"><\/div>\n            <\/div>\n            <div class=\"bf-result-details\">\n              <div style=\"font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;color:var(--gray);margin-bottom:10px\">Ihre Budget\u00fcbersicht<\/div>\n              <div class=\"bf-detail-row\">\n                <span class=\"bf-detail-label\">Total Einnahmen<\/span>\n                <span class=\"bf-detail-val plus\" id=\"bfhResEin\">\u2013<\/span>\n              <\/div>\n              <div class=\"bf-detail-row\">\n                <span class=\"bf-detail-label\">Grundbedarf &amp; Kosten<\/span>\n                <span class=\"bf-detail-val minus\" id=\"bfhResAus\">\u2013<\/span>\n              <\/div>\n              <div class=\"bf-detail-row\">\n                <span class=\"bf-detail-label\">Steuern (Quellensteuer)<\/span>\n                <span class=\"bf-detail-val minus\" id=\"bfhResSteu\">\u2013<\/span>\n              <\/div>\n              <!-- Herkunft des Steuersatzes, von JavaScript gefuellt -->\n              <div class=\"bf-detail-note\" id=\"bfhResSteuNote\" style=\"display:none\"><\/div>\n              <div class=\"bf-detail-row\" style=\"border-top:2px solid var(--navy);margin-top:4px;padding-top:10px\">\n                <span class=\"bf-detail-label\" style=\"font-weight:700;color:var(--navy)\">Freies Budget \/ Monat<\/span>\n                <span class=\"bf-detail-val\" id=\"bfhResBudget\" style=\"font-size:14px\">\u2013<\/span>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-hinweis-ok\" id=\"bfhHinweisOk\" style=\"display:none\">\n              <div style=\"font-size:12.5px;font-weight:700;color:#166534;margin-bottom:5px\">Das sieht gut aus. \u2713<\/div>\n              <div style=\"font-size:12.5px;color:#15803d;line-height:1.6\">\n                Ihr Kreditwunsch liegt voraussichtlich innerhalb Ihres Budgets. F\u00fcr eine Kreditvergabe werden weitere Faktoren ber\u00fccksichtigt, insbesondere Ihre Bonit\u00e4t. Die Expertinnen und Experten von Best Finance helfen Ihnen beim n\u00e4chsten Schritt.              <\/div>\n            <\/div>\n\n            <div class=\"bf-hinweis-nok\" id=\"bfhHinweisNok\" style=\"display:none\">\n              <div style=\"font-size:12.5px;font-weight:700;color:#9a3412;margin-bottom:5px\">Budget nicht ausreichend f\u00fcr eine Kreditvergabe.<\/div>\n              <div style=\"font-size:12.5px;color:#c2410c;line-height:1.6;margin-bottom:8px\">\n                Basierend auf Ihren Angaben reicht das freie Budget aktuell nicht f\u00fcr einen Kredit. Das sch\u00fctzt Sie vor \u00dcberschuldung (KKG).              <\/div>\n              <div class=\"bf-nok-tips\">\n                <div class=\"bf-nok-tip\"><span class=\"bf-nok-tip-icon\">\ud83d\udc65<\/span>\n                  <div><strong>Partner\/in hinzuf\u00fcgen:<\/strong> Bei einer gemeinsamen Anfrage k\u00f6nnen beide Einkommen ber\u00fccksichtigt werden.<\/div>\n                <\/div>\n                <div class=\"bf-nok-tip\"><span class=\"bf-nok-tip-icon\">\ud83d\udcc9<\/span>\n                  <div><strong>Ausgaben pr\u00fcfen:<\/strong> Bestehende Kredite oder Leasing zu b\u00fcndeln kann die monatliche Belastung senken.<\/div>\n                <\/div>\n                <div class=\"bf-nok-tip\"><span class=\"bf-nok-tip-icon\">\ud83d\udcac<\/span>\n                  <div><strong>Pers\u00f6nliche Beratung:<\/strong> Unsere Fachleute finden individuelle L\u00f6sungen \u2013 oft gibt es Spielraum, den der Rechner nicht kennt.<\/div>\n                <\/div>\n              <\/div>\n              <div style=\"font-size:11.5px;color:#7c2d12;background:rgba(255,255,255,0.6);border-radius:8px;padding:9px 12px;line-height:1.6;margin-top:10px;\">\n                <strong>\u26a0 Seien Sie aufmerksam:<\/strong> Lassen Sie sich nicht von angeblichen \u00abKrediten ohne Bonit\u00e4tspr\u00fcfung\u00bb blenden. Kein seri\u00f6ser Kreditgeber in der Schweiz bietet das an.              <\/div>\n            <\/div>\n\n            <a href=\"#\" id=\"bfhCtaLink\" class=\"bf-cta-btn\">\n              <svg width=\"17\" height=\"17\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              In 2 Minuten zur Anfrage \u2013 jetzt starten!            <\/a>\n            <div style=\"text-align:center;font-size:11px;color:var(--gray);margin-bottom:12px\">\n              Kostenlos und unverbindlich \u00b7 Keine ZEK-Anfrage            <\/div>\n            <span class=\"bf-restart\" id=\"bfhRestart\">\ud83d\udd04 Neue Berechnung starten<\/span>\n          <\/div>\n\n        <\/div><!-- \/bf-wrap -->\n      <\/div><!-- \/bfh-card -->\n\n<\/div><!-- \/bfh-root -->\n\r\n   Von rund 1'800 Zeilen bleiben 60. Ge\u00e4ndert wird k\u00fcnftig nur noch der Text\r\n   hier oder eine der beiden Dateien im Plugin \u2013 nie mehr beides zugleich.\r\n\r\n WICHTIG\r\n   Elementor f\u00fchrt Shortcodes im HTML-Widget normalerweise NICHT aus. Das Plugin\r\n   bringt ab 1.0.1 einen Filter mit, der genau das nachr\u00fcstet. Erscheint unten\r\n   trotzdem <div class=\"bfh-root bfh-nur-karte\" data-bf-budget=\"2\">\n\n      <div class=\"bfh-card\">\n        <div class=\"bfh-card-top\">\n          <div>\n            <div class=\"bfh-card-top-title\">Kreditrahmen berechnen<\/div>\n            <div class=\"bfh-card-top-sub\">Schritt f\u00fcr Schritt \u2013 dauert ca. 2 Minuten<\/div>\n          <\/div>\n          <div class=\"bfh-card-top-icon\">\n            <svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"rgba(255,255,255,.8)\" stroke-width=\"2\">\n              <rect x=\"2\" y=\"3\" width=\"20\" height=\"18\" rx=\"2\"\/><path d=\"M8 10h8M8 14h5\"\/><circle cx=\"17\" cy=\"14\" r=\"3\"\/>\n            <\/svg>\n          <\/div>\n        <\/div>\n\n        <div class=\"bf-wrap\" id=\"bfhWrap\">\n\n          <div class=\"bf-progress-wrap\" id=\"bfhProgressWrap\">\n            <div class=\"bf-step-label\">\n              <span id=\"bfhStepLbl\">Schritt 1 von 5<\/span>\n              <span id=\"bfhPctLbl\">20%<\/span>\n            <\/div>\n            <div class=\"bf-bar-bg\"><div class=\"bf-bar\" id=\"bfhBar\" style=\"width:20%\"><\/div><\/div>\n          <\/div>\n          <div class=\"bf-steps-dots\" id=\"bfhDots\">\n            <div class=\"bf-dot active\" id=\"bfhDot1\"><\/div><div class=\"bf-dot\" id=\"bfhDot2\"><\/div>\n            <div class=\"bf-dot\" id=\"bfhDot3\"><\/div><div class=\"bf-dot\" id=\"bfhDot4\"><\/div>\n            <div class=\"bf-dot\" id=\"bfhDot5\"><\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 1 \u2500\u2500 -->\n          <div class=\"bf-step active\" id=\"bfhS1\">\n            <div class=\"bf-step-title\">Pers\u00f6nliche Daten<\/div>\n            <div class=\"bf-step-desc\">Wir \u00fcberpr\u00fcfen Ihren finanziellen Spielraum \u2013 anonym und unverbindlich.<\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Geburtsjahr <span class=\"req\">*<\/span><\/label>\n                <select class=\"bf-select\" id=\"bfhJahr\"><\/select>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-row cols3\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Postleitzahl<\/label>\n                <input class=\"bf-input\" id=\"bfhPlz\" type=\"text\" inputmode=\"numeric\" maxlength=\"4\" placeholder=\"z.B. 5000\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Wohnort<\/label>\n                <input class=\"bf-input readonly\" id=\"bfhOrt\" type=\"text\" placeholder=\"Aarau\" readonly>\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Kanton <span class=\"req\">*<\/span>\n                  <span class=\"bf-info\" data-tip=\"Der Kanton bestimmt Steuersatz und gesetzlichen Grundbedarf.\">i<\/span>\n                <\/label>\n                <select class=\"bf-select\" id=\"bfhKanton\">\n                  <option value=\"\">\u2013 w\u00e4hlen \u2013<\/option>\n                  <option>AG<\/option><option>AI<\/option><option>AR<\/option><option>BE<\/option><option>BL<\/option>\n                  <option>BS<\/option><option>FR<\/option><option>GE<\/option><option>GL<\/option><option>GR<\/option>\n                  <option>JU<\/option><option>LU<\/option><option>NE<\/option><option>NW<\/option><option>OW<\/option>\n                  <option>SG<\/option><option>SH<\/option><option>SO<\/option><option>SZ<\/option><option>TG<\/option>\n                  <option>TI<\/option><option>UR<\/option><option>VD<\/option><option>VS<\/option><option>ZG<\/option>\n                  <option>ZH<\/option>\n                <\/select>\n              <\/div>\n            <\/div>\n            <input type=\"hidden\" id=\"bfhSteuern\" value=\"10\">\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Zivilstand <span class=\"req\">*<\/span><\/label>\n                <select class=\"bf-select\" id=\"bfhZivil\">\n                  <option value=\"\">\u2013 Bitte w\u00e4hlen Sie \u2013<\/option>\n                  <option value=\"ledig\">Ledig<\/option>\n                  <option value=\"verheiratet\">Verheiratet<\/option>\n                  <option value=\"konkubinat\">Konkubinat<\/option>\n                  <option value=\"eingetragene_partnerschaft\">Eingetragene Partnerschaft<\/option>\n                  <option value=\"geschieden\">Geschieden<\/option>\n                  <option value=\"verwitwet\">Verwitwet<\/option>\n                <\/select>\n              <\/div>\n              <div class=\"bf-group\">\n                <!-- value = Kategorie, nicht Betrag: der Grundbedarf haengt vom Kanton ab -->\n                <label class=\"bf-label\">Wohnsituation <span class=\"req\">*<\/span><\/label>\n                <select class=\"bf-select\" id=\"bfhWohnSit\">\n                  <option value=\"\">\u2013 Bitte w\u00e4hlen Sie \u2013<\/option>\n                  <option value=\"allein\">Allein<\/option>\n                  <option value=\"allein_hg\">Allein mit Erwachsenen<\/option>\n                  <option value=\"ehepaar\">Mit Partner\/in (Ehepaar)<\/option>\n                  <option value=\"alleinerz\">Alleinerziehend<\/option>\n                  <option value=\"alleinerz_hg\">Alleinerziehend mit Erwachsenen<\/option>\n                <\/select>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Anzahl Kinder                <span class=\"bf-info\" data-tip=\"Kinder bis 25 Jahre werden ber\u00fccksichtigt.\">i<\/span>\n              <\/label>\n              <select class=\"bf-select\" id=\"bfhKinderAnz\">\n                <option value=\"0\">Keine Kinder<\/option>\n                <option value=\"1\">1<\/option><option value=\"2\">2<\/option><option value=\"3\">3<\/option>\n                <option value=\"4\">4<\/option><option value=\"5\">5<\/option>\n              <\/select>\n            <\/div>\n            <div class=\"bf-kinder-grid\" id=\"bfhKinderGrid\" style=\"display:none\"><\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Nationalit\u00e4t \/ Aufenthaltstitel <span class=\"req\">*<\/span><\/label>\n              <select class=\"bf-select\" id=\"bfhNatio\">\n                <option value=\"\">\u2013 Bitte w\u00e4hlen Sie \u2013<\/option>\n                <option value=\"CH\">\ud83c\udde8\ud83c\udded Schweizer\/in (CH)<\/option>\n                <option value=\"B\">Ausweis B \u2013 Aufenthaltsbewilligung<\/option>\n                <option value=\"C\">Ausweis C \u2013 Niederlassungsbewilligung<\/option>\n                <option value=\"G\">Ausweis G \u2013 Grenzg\u00e4nger\/in<\/option>\n              <\/select>\n            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr1\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"1\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 2 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS2\">\n            <div class=\"bf-step-title\">Eink\u00fcnfte<\/div>\n            <div class=\"bf-step-desc\">Ihr monatliches Nettoeinkommen nach Abzug der Sozialversicherungen.<\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Monatliches Nettoeinkommen                <span class=\"bf-info\" data-tip=\"Lohn nach AHV, IV, ALV und BVG, vor Quellensteuer.\">i<\/span>\n                <span class=\"req\"> *<\/span>\n              <\/label>\n              <input class=\"bf-input\" id=\"bfhEk\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"z.B. 5000\">\n              <div style=\"margin-top:7px\">\n                <div style=\"font-size:10.5px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.5px;margin-bottom:5px\">Anzahl Monatsl\u00f6hne<\/div>\n                <div class=\"bf-toggle-row\">\n                  <button type=\"button\" class=\"bf-toggle active\" id=\"bfhT12\" data-bf-mt=\"12\">12<\/button>\n                  <button type=\"button\" class=\"bf-toggle\" id=\"bfhT13\" data-bf-mt=\"13\">13<\/button>\n                <\/div>\n              <\/div>\n              <input type=\"hidden\" id=\"bfhMt\" value=\"12\">\n              <div class=\"bf-jahresek\"><span id=\"bfhEkJLbl\">J\u00e4hrliches Nettoeinkommen:<\/span> <strong id=\"bfhEkJ\">\u2013<\/strong><\/div>\n            <\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Nebenjob \/ Zusatz (CHF\/Mt.)<\/label>\n                <input class=\"bf-input\" id=\"bfhZusatz\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Andere Eink\u00fcnfte (Bonus etc.)<\/label>\n                <input class=\"bf-input\" id=\"bfhAndere\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n                <div class=\"bf-hint\">J\u00e4hrlicher Betrag \u00f7 12<\/div>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-group\" id=\"bfhGrpPartner\" style=\"display:none\">\n              <label class=\"bf-label\">Nettoeinkommen Partner\/in (CHF\/Mt.)<\/label>\n              <input class=\"bf-input\" id=\"bfhEkP\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n              <div style=\"margin-top:7px\">\n                <div class=\"bf-toggle-row\">\n                  <button type=\"button\" class=\"bf-toggle active\" id=\"bfhTP12\" data-bf-mtp=\"12\">12<\/button>\n                  <button type=\"button\" class=\"bf-toggle\" id=\"bfhTP13\" data-bf-mtp=\"13\">13<\/button>\n                <\/div>\n              <\/div>\n              <input type=\"hidden\" id=\"bfhMtP\" value=\"12\">\n              <div class=\"bf-jahresek\"><span>J\u00e4hrliches Nettoeinkommen:<\/span> <strong id=\"bfhEkPJ\">\u2013<\/strong><\/div>\n            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr2\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"2\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"2\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 3 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS3\">\n            <div class=\"bf-step-title\">Ausgaben pro Monat<\/div>\n            <div class=\"bf-step-desc\">Grundbedarf und Kinderkosten werden nach dem Kreisschreiben Ihres Kantons berechnet.<\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Grundbedarf (pauschal)                  <span class=\"bf-info\" data-tip=\"Betreibungsrechtliches Existenzminimum nach dem Kreisschreiben Ihres Wohnkantons.\">i<\/span>\n                <\/label>\n                <input class=\"bf-input readonly\" id=\"bfhGrundbedarf\" type=\"text\" readonly tabindex=\"-1\">\n              <\/div>\n              <div class=\"bf-group\" id=\"bfhGrpKinderK\">\n                <label class=\"bf-label\">Kinderkosten (pauschal)                  <span class=\"bf-info\" id=\"bfhKinderTip\" data-tip=\"\">i<\/span>\n                <\/label>\n                <input class=\"bf-input readonly\" id=\"bfhKinderK\" type=\"text\" readonly tabindex=\"-1\">\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Miete \/ Hypothek \u2013 Ihr Anteil (CHF\/Mt.)<\/label>\n              <input class=\"bf-input\" id=\"bfhMiete\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"z.B. 1200\">\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Krankenkassenpr\u00e4mie gesamt (CHF\/Mt.) <span class=\"req\">*<\/span>\n                <span class=\"bf-info\" data-tip=\"Gesamtbetrag f\u00fcr alle Haushaltsmitglieder.\">i<\/span>\n              <\/label>\n              <input class=\"bf-input\" id=\"bfhKK\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"z.B. 450\">\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Transportmittel Arbeitsplatz<\/label>\n              <!-- data-transport traegt den deutschen Wert, den das Antragsformular\n                   erwartet. Er darf NICHT aus dem sichtbaren Text abgeleitet werden:\n                   TranslatePress uebersetzt die Beschriftung, das data-Attribut nicht. -->\n              <select class=\"bf-select\" id=\"bfhTransport\">\n                <option value=\"0\"   data-transport=\"Zu Fuss\">Zu Fuss (CHF 0\/Mt.)<\/option>\n                <option value=\"50\"  data-transport=\"Velo\">Velo (CHF 50\/Mt.)<\/option>\n                <option value=\"100\" data-transport=\"Motorrad\">Motorrad (CHF 100\/Mt.)<\/option>\n                <option value=\"190\" data-transport=\"\u00d6ffentlicher Verkehr\">\u00d6ffentliche Verkehrsmittel (CHF 190\/Mt.)<\/option>\n                <option value=\"190\" data-transport=\"Auto\" selected>Auto (CHF 190\/Mt.)<\/option>\n                <option value=\"0\"   data-transport=\"Gesch\u00e4ftsauto\">Gesch\u00e4ftsauto (CHF 0\/Mt.)<\/option>\n              <\/select>\n            <\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Verpflegung (CHF\/Mt.)                  <span class=\"bf-info\" data-tip=\"Arbeitsbedingte Verpflegungskosten ausser Haus.\">i<\/span>\n                <\/label>\n                <input class=\"bf-input\" id=\"bfhVerpfl\" type=\"number\" inputmode=\"decimal\" min=\"0\" value=\"100\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Weitere Ausgaben (CHF\/Mt.)                  <span class=\"bf-info\" data-tip=\"Leasing, Kreditkarten, Kinderbetreuung etc.\">i<\/span>\n                <\/label>\n                <input class=\"bf-input\" id=\"bfhWeitere\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr3\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"3\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"3\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 4 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS4\">\n            <div class=\"bf-step-title\">Weitere Angaben<\/div>\n            <div class=\"bf-step-desc\">Schnell fertig \u2013 noch ein paar letzte Details.<\/div>\n\n            <div class=\"bf-group\" id=\"bfhGrpAlimente\" style=\"display:none\">\n              <label class=\"bf-label\">Alimente (CHF\/Mt.)<\/label>\n              <input class=\"bf-input\" id=\"bfhAlimente\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n            <\/div>\n\n            <div style=\"background:var(--gray-light);border-radius:var(--radius);padding:14px 16px;font-size:12.5px;color:var(--gray);line-height:1.6;\">\n              <strong style=\"color:var(--navy);\">\u2139 Hinweis:<\/strong><br>\n              Diese Berechnung basiert auf dem Schweizer Konsumkreditgesetz (KKG) und ist eine erste Orientierung. Die tats\u00e4chliche Kreditvergabe h\u00e4ngt von Bonit\u00e4t, ZEK-Score und Bankrichtlinien ab.            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr4\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"4\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"4\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 5 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS5\">\n            <div class=\"bf-step-title\">Schnell geschafft!<\/div>\n            <div class=\"bf-step-desc\">Geben Sie Ihre Kontaktdaten ein, um Ihren Kreditrahmen zu erhalten.<\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Vorname <span class=\"req\">*<\/span><\/label>\n                <input class=\"bf-input\" id=\"bfhVorname\" type=\"text\" placeholder=\"Max\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Name <span class=\"req\">*<\/span><\/label>\n                <input class=\"bf-input\" id=\"bfhName\" type=\"text\" placeholder=\"Mustermann\">\n              <\/div>\n            <\/div>\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">E-Mail-Adresse <span class=\"req\">*<\/span><\/label>\n              <input class=\"bf-input\" id=\"bfhEmail\" type=\"email\" placeholder=\"max.mustermann@beispiel.ch\">\n            <\/div>\n            <div class=\"bf-dsgvo\">\n              \ud83d\udd12 Ihre Daten werden vertraulich behandelt und nicht an Dritte weitergegeben. Die Berechnung ist unverbindlich.            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr5\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"5\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-calc\" id=\"bfhCalcBtn\">\n                <svg width=\"17\" height=\"17\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"M12 6v6l4 2\"\/><\/svg>\n                Kreditrahmen berechnen              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 ERGEBNIS \u2500\u2500 -->\n          <div class=\"bf-result\" id=\"bfhResult\">\n            <div class=\"bf-result-card\">\n              <div class=\"bf-result-label\">Ihr Finanzierungsspielraum<\/div>\n              <div class=\"bf-result-amount\" id=\"bfhResBetrag\">\u2013<\/div>\n              <div class=\"bf-result-sub\" id=\"bfhResSub\"><\/div>\n            <\/div>\n            <div class=\"bf-result-details\">\n              <div style=\"font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;color:var(--gray);margin-bottom:10px\">Ihre Budget\u00fcbersicht<\/div>\n              <div class=\"bf-detail-row\">\n                <span class=\"bf-detail-label\">Gesamteinnahmen<\/span>\n                <span class=\"bf-detail-val plus\" id=\"bfhResEin\">\u2013<\/span>\n              <\/div>\n              <div class=\"bf-detail-row\">\n                <span class=\"bf-detail-label\">Grundbedarf &amp; Kosten<\/span>\n                <span class=\"bf-detail-val minus\" id=\"bfhResAus\">\u2013<\/span>\n              <\/div>\n              <div class=\"bf-detail-row\">\n                <span class=\"bf-detail-label\">Steuern (Quellensteuer)<\/span>\n                <span class=\"bf-detail-val minus\" id=\"bfhResSteu\">\u2013<\/span>\n              <\/div>\n              <!-- Herkunft des Steuersatzes, von JavaScript gefuellt -->\n              <div class=\"bf-detail-note\" id=\"bfhResSteuNote\" style=\"display:none\"><\/div>\n              <div class=\"bf-detail-row\" style=\"border-top:2px solid var(--navy);margin-top:4px;padding-top:10px\">\n                <span class=\"bf-detail-label\" style=\"font-weight:700;color:var(--navy)\">Freies Budget \/ Monat<\/span>\n                <span class=\"bf-detail-val\" id=\"bfhResBudget\" style=\"font-size:14px\">\u2013<\/span>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-hinweis-ok\" id=\"bfhHinweisOk\" style=\"display:none\">\n              <div style=\"font-size:12.5px;font-weight:700;color:#166534;margin-bottom:5px\">Das sieht gut aus. \u2713<\/div>\n              <div style=\"font-size:12.5px;color:#15803d;line-height:1.6\">\n                Ihr Kreditwunsch liegt voraussichtlich innerhalb Ihres Budgets. F\u00fcr eine Kreditvergabe werden weitere Faktoren ber\u00fccksichtigt, insbesondere Ihre Bonit\u00e4t. Die Expertinnen und Experten von Best Finance helfen Ihnen beim n\u00e4chsten Schritt.              <\/div>\n            <\/div>\n\n            <div class=\"bf-hinweis-nok\" id=\"bfhHinweisNok\" style=\"display:none\">\n              <div style=\"font-size:12.5px;font-weight:700;color:#9a3412;margin-bottom:5px\">Budget nicht ausreichend f\u00fcr eine Kreditvergabe.<\/div>\n              <div style=\"font-size:12.5px;color:#c2410c;line-height:1.6;margin-bottom:8px\">\n                Basierend auf Ihren Angaben reicht das freie Budget aktuell nicht f\u00fcr einen Kredit. Das sch\u00fctzt Sie vor \u00dcberschuldung (KKG).              <\/div>\n              <div class=\"bf-nok-tips\">\n                <div class=\"bf-nok-tip\"><span class=\"bf-nok-tip-icon\">\ud83d\udc65<\/span>\n                  <div><strong>Partner hinzuf\u00fcgen:<\/strong> Bei einer gemeinsamen Anfrage k\u00f6nnen beide Einkommen ber\u00fccksichtigt werden.<\/div>\n                <\/div>\n                <div class=\"bf-nok-tip\"><span class=\"bf-nok-tip-icon\">\ud83d\udcc9<\/span>\n                  <div><strong>Ausgaben pr\u00fcfen:<\/strong> Bestehende Kredite oder Leasing zu b\u00fcndeln kann die monatliche Belastung senken.<\/div>\n                <\/div>\n                <div class=\"bf-nok-tip\"><span class=\"bf-nok-tip-icon\">\ud83d\udcac<\/span>\n                  <div><strong>Pers\u00f6nliche Beratung:<\/strong> Unsere Fachleute finden individuelle L\u00f6sungen \u2013 oft gibt es Spielraum, den der Rechner nicht kennt.<\/div>\n                <\/div>\n              <\/div>\n              <div style=\"font-size:11.5px;color:#7c2d12;background:rgba(255,255,255,0.6);border-radius:8px;padding:9px 12px;line-height:1.6;margin-top:10px;\">\n                <strong>\u26a0 Seien Sie aufmerksam:<\/strong> Lassen Sie sich nicht von angeblichen \u00abKrediten ohne Bonit\u00e4tspr\u00fcfung\u00bb blenden. Kein seri\u00f6ser Kreditgeber in der Schweiz bietet das an.              <\/div>\n            <\/div>\n\n            <a href=\"#\" id=\"bfhCtaLink\" class=\"bf-cta-btn\">\n              <svg width=\"17\" height=\"17\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              In 2 Minuten zur Anfrage \u2013 jetzt starten!            <\/a>\n            <div style=\"text-align:center;font-size:11px;color:var(--gray);margin-bottom:12px\">\n              Kostenlos und unverbindlich \u00b7 Keine ZEK-Anfrage            <\/div>\n            <span class=\"bf-restart\" id=\"bfhRestart\">\ud83d\udd04 Neue Berechnung starten<\/span>\n          <\/div>\n\n        <\/div><!-- \/bf-wrap -->\n      <\/div><!-- \/bfh-card -->\n\n<\/div><!-- \/bfh-root -->\n als Text, ist das Plugin nicht aktiv\r\n   oder noch auf 1.0.0.\r\n\r\n CSS\r\n   Es wird hier bewusst kein CSS eingebunden. Das Stylesheet des Plugins enth\u00e4lt\r\n   s\u00e4mtliche bfh-Klassen dieses Hero-Bereichs und wird geladen, sobald der\r\n   Shortcode auf der Seite steht.\r\n================================================================================\r\n-->\r\n\r\n<div class=\"bfh-root\">\r\n<section class=\"bfh-hero\">\r\n\r\n  <div class=\"bfh-wave\">\r\n    <svg viewBox=\"0 0 1440 40\" preserveAspectRatio=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\r\n      <path d=\"M0,40 C360,0 1080,0 1440,40 L1440,40 L0,40 Z\" fill=\"#ffffff\"\/>\r\n    <\/svg>\r\n  <\/div>\r\n\r\n  <div class=\"bfh-inner\">\r\n\r\n    <!-- \u2550\u2550 LINKS: TEXT \u2550\u2550 -->\r\n    <div class=\"bfh-left\">\r\n\r\n      <div class=\"bfh-badge\">\r\n        <span class=\"bfh-pulse\"><\/span>\r\n        Anonym &amp; unverbindlich\r\n      <\/div>\r\n\r\n      <h1 class=\"bfh-h1\">\r\n        Kredit Budget&nbsp;Rechner \u2013<br>\r\n        <em>Wie viel Kredit<\/em><br>\r\n        bekomme ich?\r\n      <\/h1>\r\n\r\n      <p class=\"bfh-sub\">\r\n        Berechnen Sie Ihren pers\u00f6nlichen Kreditrahmen in wenigen Minuten \u2013\r\n        KKG-konform, ohne ZEK-Anfrage, kostenlos.\r\n      <\/p>\r\n\r\n      <div class=\"bfh-trust\">\r\n        <div class=\"bfh-trust-item\">\r\n          <span class=\"bfh-trust-icon\">\r\n            <svg width=\"10\" height=\"10\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#10b981\" stroke-width=\"3\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg>\r\n          <\/span>\r\n          Seit 2004 Ihr Spezialist f\u00fcr Privatkredite\r\n        <\/div>\r\n        <div class=\"bfh-trust-item\">\r\n          <span class=\"bfh-trust-icon\">\r\n            <svg width=\"10\" height=\"10\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#10b981\" stroke-width=\"3\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg>\r\n          <\/span>\r\n          5+ Partnerbanken im direkten Vergleich\r\n        <\/div>\r\n        <div class=\"bfh-trust-item\">\r\n          <span class=\"bfh-trust-icon\">\r\n            <svg width=\"10\" height=\"10\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#10b981\" stroke-width=\"3\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg>\r\n          <\/span>\r\n          Zinsen ab 4.9% effektivem Jahreszins\r\n        <\/div>\r\n        <div class=\"bfh-trust-item\">\r\n          <span class=\"bfh-trust-icon\">\r\n            <svg width=\"10\" height=\"10\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#10b981\" stroke-width=\"3\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg>\r\n          <\/span>\r\n          Keine Bearbeitungsgeb\u00fchren \u2013 100% kostenlos\r\n        <\/div>\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n    <!-- \u2550\u2550 RECHTS: RECHNER \u2550\u2550 -->\r\n    <div>\r\n      <div class=\"bfh-root bfh-nur-karte\" data-bf-budget=\"3\">\n\n      <div class=\"bfh-card\">\n        <div class=\"bfh-card-top\">\n          <div>\n            <div class=\"bfh-card-top-title\">Kreditrahmen berechnen<\/div>\n            <div class=\"bfh-card-top-sub\">Schritt f\u00fcr Schritt \u2013 dauert ca. 2 Minuten<\/div>\n          <\/div>\n          <div class=\"bfh-card-top-icon\">\n            <svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"rgba(255,255,255,.8)\" stroke-width=\"2\">\n              <rect x=\"2\" y=\"3\" width=\"20\" height=\"18\" rx=\"2\"\/><path d=\"M8 10h8M8 14h5\"\/><circle cx=\"17\" cy=\"14\" r=\"3\"\/>\n            <\/svg>\n          <\/div>\n        <\/div>\n\n        <div class=\"bf-wrap\" id=\"bfhWrap\">\n\n          <div class=\"bf-progress-wrap\" id=\"bfhProgressWrap\">\n            <div class=\"bf-step-label\">\n              <span id=\"bfhStepLbl\">Schritt 1 von 5<\/span>\n              <span id=\"bfhPctLbl\">20%<\/span>\n            <\/div>\n            <div class=\"bf-bar-bg\"><div class=\"bf-bar\" id=\"bfhBar\" style=\"width:20%\"><\/div><\/div>\n          <\/div>\n          <div class=\"bf-steps-dots\" id=\"bfhDots\">\n            <div class=\"bf-dot active\" id=\"bfhDot1\"><\/div><div class=\"bf-dot\" id=\"bfhDot2\"><\/div>\n            <div class=\"bf-dot\" id=\"bfhDot3\"><\/div><div class=\"bf-dot\" id=\"bfhDot4\"><\/div>\n            <div class=\"bf-dot\" id=\"bfhDot5\"><\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 1 \u2500\u2500 -->\n          <div class=\"bf-step active\" id=\"bfhS1\">\n            <div class=\"bf-step-title\">Pers\u00f6nliche Daten<\/div>\n            <div class=\"bf-step-desc\">Wir \u00fcberpr\u00fcfen Ihren finanziellen Spielraum \u2013 anonym und unverbindlich.<\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Geburtsjahr <span class=\"req\">*<\/span><\/label>\n                <select class=\"bf-select\" id=\"bfhJahr\"><\/select>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-row cols3\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Postleitzahl<\/label>\n                <input class=\"bf-input\" id=\"bfhPlz\" type=\"text\" inputmode=\"numeric\" maxlength=\"4\" placeholder=\"z.B. 5000\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Wohnort<\/label>\n                <input class=\"bf-input readonly\" id=\"bfhOrt\" type=\"text\" placeholder=\"Aarau\" readonly>\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Kanton <span class=\"req\">*<\/span>\n                  <span class=\"bf-info\" data-tip=\"Der Kanton bestimmt Steuersatz und gesetzlichen Grundbedarf.\">i<\/span>\n                <\/label>\n                <select class=\"bf-select\" id=\"bfhKanton\">\n                  <option value=\"\">\u2013 w\u00e4hlen \u2013<\/option>\n                  <option>AG<\/option><option>AI<\/option><option>AR<\/option><option>BE<\/option><option>BL<\/option>\n                  <option>BS<\/option><option>FR<\/option><option>GE<\/option><option>GL<\/option><option>GR<\/option>\n                  <option>JU<\/option><option>LU<\/option><option>NE<\/option><option>NW<\/option><option>OW<\/option>\n                  <option>SG<\/option><option>SH<\/option><option>SO<\/option><option>SZ<\/option><option>TG<\/option>\n                  <option>TI<\/option><option>UR<\/option><option>VD<\/option><option>VS<\/option><option>ZG<\/option>\n                  <option>ZH<\/option>\n                <\/select>\n              <\/div>\n            <\/div>\n            <input type=\"hidden\" id=\"bfhSteuern\" value=\"10\">\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Zivilstand <span class=\"req\">*<\/span><\/label>\n                <select class=\"bf-select\" id=\"bfhZivil\">\n                  <option value=\"\">\u2013 Bitte w\u00e4hlen Sie \u2013<\/option>\n                  <option value=\"ledig\">Ledig<\/option>\n                  <option value=\"verheiratet\">Verheiratet<\/option>\n                  <option value=\"konkubinat\">Konkubinat<\/option>\n                  <option value=\"eingetragene_partnerschaft\">Eingetragene Partnerschaft<\/option>\n                  <option value=\"geschieden\">Geschieden<\/option>\n                  <option value=\"verwitwet\">Verwitwet<\/option>\n                <\/select>\n              <\/div>\n              <div class=\"bf-group\">\n                <!-- value = Kategorie, nicht Betrag: der Grundbedarf haengt vom Kanton ab -->\n                <label class=\"bf-label\">Wohnsituation <span class=\"req\">*<\/span><\/label>\n                <select class=\"bf-select\" id=\"bfhWohnSit\">\n                  <option value=\"\">\u2013 Bitte w\u00e4hlen Sie \u2013<\/option>\n                  <option value=\"allein\">Allein<\/option>\n                  <option value=\"allein_hg\">Allein mit Erwachsenen<\/option>\n                  <option value=\"ehepaar\">Mit Partner\/in (Ehepaar)<\/option>\n                  <option value=\"alleinerz\">Alleinerziehend<\/option>\n                  <option value=\"alleinerz_hg\">Alleinerziehend mit Erwachsenen<\/option>\n                <\/select>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Anzahl Kinder                <span class=\"bf-info\" data-tip=\"Kinder bis 25 Jahre werden ber\u00fccksichtigt.\">i<\/span>\n              <\/label>\n              <select class=\"bf-select\" id=\"bfhKinderAnz\">\n                <option value=\"0\">Keine Kinder<\/option>\n                <option value=\"1\">1<\/option><option value=\"2\">2<\/option><option value=\"3\">3<\/option>\n                <option value=\"4\">4<\/option><option value=\"5\">5<\/option>\n              <\/select>\n            <\/div>\n            <div class=\"bf-kinder-grid\" id=\"bfhKinderGrid\" style=\"display:none\"><\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Nationalit\u00e4t \/ Aufenthaltstitel <span class=\"req\">*<\/span><\/label>\n              <select class=\"bf-select\" id=\"bfhNatio\">\n                <option value=\"\">\u2013 Bitte w\u00e4hlen Sie \u2013<\/option>\n                <option value=\"CH\">\ud83c\udde8\ud83c\udded Schweizer\/in (CH)<\/option>\n                <option value=\"B\">Ausweis B \u2013 Aufenthaltsbewilligung<\/option>\n                <option value=\"C\">Ausweis C \u2013 Niederlassungsbewilligung<\/option>\n                <option value=\"G\">Ausweis G \u2013 Grenzg\u00e4nger\/in<\/option>\n              <\/select>\n            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr1\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"1\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 2 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS2\">\n            <div class=\"bf-step-title\">Eink\u00fcnfte<\/div>\n            <div class=\"bf-step-desc\">Ihr monatliches Nettoeinkommen nach Abzug der Sozialversicherungen.<\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Monatliches Nettoeinkommen                <span class=\"bf-info\" data-tip=\"Lohn nach AHV, IV, ALV und BVG, vor Quellensteuer.\">i<\/span>\n                <span class=\"req\"> *<\/span>\n              <\/label>\n              <input class=\"bf-input\" id=\"bfhEk\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"z.B. 5000\">\n              <div style=\"margin-top:7px\">\n                <div style=\"font-size:10.5px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.5px;margin-bottom:5px\">Anzahl Monatsl\u00f6hne<\/div>\n                <div class=\"bf-toggle-row\">\n                  <button type=\"button\" class=\"bf-toggle active\" id=\"bfhT12\" data-bf-mt=\"12\">12<\/button>\n                  <button type=\"button\" class=\"bf-toggle\" id=\"bfhT13\" data-bf-mt=\"13\">13<\/button>\n                <\/div>\n              <\/div>\n              <input type=\"hidden\" id=\"bfhMt\" value=\"12\">\n              <div class=\"bf-jahresek\"><span id=\"bfhEkJLbl\">J\u00e4hrliches Nettoeinkommen:<\/span> <strong id=\"bfhEkJ\">\u2013<\/strong><\/div>\n            <\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Nebenjob \/ Zusatz (CHF\/Mt.)<\/label>\n                <input class=\"bf-input\" id=\"bfhZusatz\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Andere Eink\u00fcnfte (Bonus etc.)<\/label>\n                <input class=\"bf-input\" id=\"bfhAndere\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n                <div class=\"bf-hint\">J\u00e4hrlicher Betrag \u00f7 12<\/div>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-group\" id=\"bfhGrpPartner\" style=\"display:none\">\n              <label class=\"bf-label\">Nettoeinkommen Partner\/in (CHF\/Mt.)<\/label>\n              <input class=\"bf-input\" id=\"bfhEkP\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n              <div style=\"margin-top:7px\">\n                <div class=\"bf-toggle-row\">\n                  <button type=\"button\" class=\"bf-toggle active\" id=\"bfhTP12\" data-bf-mtp=\"12\">12<\/button>\n                  <button type=\"button\" class=\"bf-toggle\" id=\"bfhTP13\" data-bf-mtp=\"13\">13<\/button>\n                <\/div>\n              <\/div>\n              <input type=\"hidden\" id=\"bfhMtP\" value=\"12\">\n              <div class=\"bf-jahresek\"><span>J\u00e4hrliches Nettoeinkommen:<\/span> <strong id=\"bfhEkPJ\">\u2013<\/strong><\/div>\n            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr2\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"2\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"2\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 3 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS3\">\n            <div class=\"bf-step-title\">Ausgaben pro Monat<\/div>\n            <div class=\"bf-step-desc\">Grundbedarf und Kinderkosten werden nach dem Kreisschreiben Ihres Kantons berechnet.<\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Grundbedarf (pauschal)                  <span class=\"bf-info\" data-tip=\"Betreibungsrechtliches Existenzminimum nach dem Kreisschreiben Ihres Wohnkantons.\">i<\/span>\n                <\/label>\n                <input class=\"bf-input readonly\" id=\"bfhGrundbedarf\" type=\"text\" readonly tabindex=\"-1\">\n              <\/div>\n              <div class=\"bf-group\" id=\"bfhGrpKinderK\">\n                <label class=\"bf-label\">Kinderkosten (pauschal)                  <span class=\"bf-info\" id=\"bfhKinderTip\" data-tip=\"\">i<\/span>\n                <\/label>\n                <input class=\"bf-input readonly\" id=\"bfhKinderK\" type=\"text\" readonly tabindex=\"-1\">\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Miete \/ Hypothek \u2013 Ihr Anteil (CHF\/Mt.)<\/label>\n              <input class=\"bf-input\" id=\"bfhMiete\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"z.B. 1200\">\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Krankenkassenpr\u00e4mie gesamt (CHF\/Mt.) <span class=\"req\">*<\/span>\n                <span class=\"bf-info\" data-tip=\"Gesamtbetrag f\u00fcr alle Haushaltsmitglieder.\">i<\/span>\n              <\/label>\n              <input class=\"bf-input\" id=\"bfhKK\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"z.B. 450\">\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Transportmittel Arbeitsplatz<\/label>\n              <!-- data-transport traegt den deutschen Wert, den das Antragsformular\n                   erwartet. Er darf NICHT aus dem sichtbaren Text abgeleitet werden:\n                   TranslatePress uebersetzt die Beschriftung, das data-Attribut nicht. -->\n              <select class=\"bf-select\" id=\"bfhTransport\">\n                <option value=\"0\"   data-transport=\"Zu Fuss\">Zu Fuss (CHF 0\/Mt.)<\/option>\n                <option value=\"50\"  data-transport=\"Velo\">Velo (CHF 50\/Mt.)<\/option>\n                <option value=\"100\" data-transport=\"Motorrad\">Motorrad (CHF 100\/Mt.)<\/option>\n                <option value=\"190\" data-transport=\"\u00d6ffentlicher Verkehr\">\u00d6ffentliche Verkehrsmittel (CHF 190\/Mt.)<\/option>\n                <option value=\"190\" data-transport=\"Auto\" selected>Auto (CHF 190\/Mt.)<\/option>\n                <option value=\"0\"   data-transport=\"Gesch\u00e4ftsauto\">Gesch\u00e4ftsauto (CHF 0\/Mt.)<\/option>\n              <\/select>\n            <\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Verpflegung (CHF\/Mt.)                  <span class=\"bf-info\" data-tip=\"Arbeitsbedingte Verpflegungskosten ausser Haus.\">i<\/span>\n                <\/label>\n                <input class=\"bf-input\" id=\"bfhVerpfl\" type=\"number\" inputmode=\"decimal\" min=\"0\" value=\"100\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Weitere Ausgaben (CHF\/Mt.)                  <span class=\"bf-info\" data-tip=\"Leasing, Kreditkarten, Kinderbetreuung etc.\">i<\/span>\n                <\/label>\n                <input class=\"bf-input\" id=\"bfhWeitere\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr3\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"3\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"3\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 4 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS4\">\n            <div class=\"bf-step-title\">Weitere Angaben<\/div>\n            <div class=\"bf-step-desc\">Schnell fertig \u2013 noch ein paar letzte Details.<\/div>\n\n            <div class=\"bf-group\" id=\"bfhGrpAlimente\" style=\"display:none\">\n              <label class=\"bf-label\">Alimente (CHF\/Mt.)<\/label>\n              <input class=\"bf-input\" id=\"bfhAlimente\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n            <\/div>\n\n            <div style=\"background:var(--gray-light);border-radius:var(--radius);padding:14px 16px;font-size:12.5px;color:var(--gray);line-height:1.6;\">\n              <strong style=\"color:var(--navy);\">\u2139 Hinweis:<\/strong><br>\n              Diese Berechnung basiert auf dem Schweizer Konsumkreditgesetz (KKG) und ist eine erste Orientierung. Die tats\u00e4chliche Kreditvergabe h\u00e4ngt von Bonit\u00e4t, ZEK-Score und Bankrichtlinien ab.            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr4\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"4\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"4\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 5 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS5\">\n            <div class=\"bf-step-title\">Schnell geschafft!<\/div>\n            <div class=\"bf-step-desc\">Geben Sie Ihre Kontaktdaten ein, um Ihren Kreditrahmen zu erhalten.<\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Vorname <span class=\"req\">*<\/span><\/label>\n                <input class=\"bf-input\" id=\"bfhVorname\" type=\"text\" placeholder=\"Max\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Name <span class=\"req\">*<\/span><\/label>\n                <input class=\"bf-input\" id=\"bfhName\" type=\"text\" placeholder=\"Mustermann\">\n              <\/div>\n            <\/div>\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">E-Mail-Adresse <span class=\"req\">*<\/span><\/label>\n              <input class=\"bf-input\" id=\"bfhEmail\" type=\"email\" placeholder=\"max.mustermann@beispiel.ch\">\n            <\/div>\n            <div class=\"bf-dsgvo\">\n              \ud83d\udd12 Ihre Daten werden vertraulich behandelt und nicht an Dritte weitergegeben. Die Berechnung ist unverbindlich.            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr5\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"5\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-calc\" id=\"bfhCalcBtn\">\n                <svg width=\"17\" height=\"17\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"M12 6v6l4 2\"\/><\/svg>\n                Kreditrahmen berechnen              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 ERGEBNIS \u2500\u2500 -->\n          <div class=\"bf-result\" id=\"bfhResult\">\n            <div class=\"bf-result-card\">\n              <div class=\"bf-result-label\">Ihr Finanzierungsspielraum<\/div>\n              <div class=\"bf-result-amount\" id=\"bfhResBetrag\">\u2013<\/div>\n              <div class=\"bf-result-sub\" id=\"bfhResSub\"><\/div>\n            <\/div>\n            <div class=\"bf-result-details\">\n              <div style=\"font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;color:var(--gray);margin-bottom:10px\">Ihre Budget\u00fcbersicht<\/div>\n              <div class=\"bf-detail-row\">\n                <span class=\"bf-detail-label\">Gesamteinnahmen<\/span>\n                <span class=\"bf-detail-val plus\" id=\"bfhResEin\">\u2013<\/span>\n              <\/div>\n              <div class=\"bf-detail-row\">\n                <span class=\"bf-detail-label\">Grundbedarf &amp; Kosten<\/span>\n                <span class=\"bf-detail-val minus\" id=\"bfhResAus\">\u2013<\/span>\n              <\/div>\n              <div class=\"bf-detail-row\">\n                <span class=\"bf-detail-label\">Steuern (Quellensteuer)<\/span>\n                <span class=\"bf-detail-val minus\" id=\"bfhResSteu\">\u2013<\/span>\n              <\/div>\n              <!-- Herkunft des Steuersatzes, von JavaScript gefuellt -->\n              <div class=\"bf-detail-note\" id=\"bfhResSteuNote\" style=\"display:none\"><\/div>\n              <div class=\"bf-detail-row\" style=\"border-top:2px solid var(--navy);margin-top:4px;padding-top:10px\">\n                <span class=\"bf-detail-label\" style=\"font-weight:700;color:var(--navy)\">Freies Budget \/ Monat<\/span>\n                <span class=\"bf-detail-val\" id=\"bfhResBudget\" style=\"font-size:14px\">\u2013<\/span>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-hinweis-ok\" id=\"bfhHinweisOk\" style=\"display:none\">\n              <div style=\"font-size:12.5px;font-weight:700;color:#166534;margin-bottom:5px\">Das sieht gut aus. \u2713<\/div>\n              <div style=\"font-size:12.5px;color:#15803d;line-height:1.6\">\n                Ihr Kreditwunsch liegt voraussichtlich innerhalb Ihres Budgets. F\u00fcr eine Kreditvergabe werden weitere Faktoren ber\u00fccksichtigt, insbesondere Ihre Bonit\u00e4t. Die Expertinnen und Experten von Best Finance helfen Ihnen beim n\u00e4chsten Schritt.              <\/div>\n            <\/div>\n\n            <div class=\"bf-hinweis-nok\" id=\"bfhHinweisNok\" style=\"display:none\">\n              <div style=\"font-size:12.5px;font-weight:700;color:#9a3412;margin-bottom:5px\">Budget nicht ausreichend f\u00fcr eine Kreditvergabe.<\/div>\n              <div style=\"font-size:12.5px;color:#c2410c;line-height:1.6;margin-bottom:8px\">\n                Basierend auf Ihren Angaben reicht das freie Budget aktuell nicht f\u00fcr einen Kredit. Das sch\u00fctzt Sie vor \u00dcberschuldung (KKG).              <\/div>\n              <div class=\"bf-nok-tips\">\n                <div class=\"bf-nok-tip\"><span class=\"bf-nok-tip-icon\">\ud83d\udc65<\/span>\n                  <div><strong>Partner hinzuf\u00fcgen:<\/strong> Bei einer gemeinsamen Anfrage k\u00f6nnen beide Einkommen ber\u00fccksichtigt werden.<\/div>\n                <\/div>\n                <div class=\"bf-nok-tip\"><span class=\"bf-nok-tip-icon\">\ud83d\udcc9<\/span>\n                  <div><strong>Ausgaben pr\u00fcfen:<\/strong> Bestehende Kredite oder Leasing zu b\u00fcndeln kann die monatliche Belastung senken.<\/div>\n                <\/div>\n                <div class=\"bf-nok-tip\"><span class=\"bf-nok-tip-icon\">\ud83d\udcac<\/span>\n                  <div><strong>Pers\u00f6nliche Beratung:<\/strong> Unsere Fachleute finden individuelle L\u00f6sungen \u2013 oft gibt es Spielraum, den der Rechner nicht kennt.<\/div>\n                <\/div>\n              <\/div>\n              <div style=\"font-size:11.5px;color:#7c2d12;background:rgba(255,255,255,0.6);border-radius:8px;padding:9px 12px;line-height:1.6;margin-top:10px;\">\n                <strong>\u26a0 Seien Sie aufmerksam:<\/strong> Lassen Sie sich nicht von angeblichen \u00abKrediten ohne Bonit\u00e4tspr\u00fcfung\u00bb blenden. Kein seri\u00f6ser Kreditgeber in der Schweiz bietet das an.              <\/div>\n            <\/div>\n\n            <a href=\"#\" id=\"bfhCtaLink\" class=\"bf-cta-btn\">\n              <svg width=\"17\" height=\"17\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              In 2 Minuten zur Anfrage \u2013 jetzt starten!            <\/a>\n            <div style=\"text-align:center;font-size:11px;color:var(--gray);margin-bottom:12px\">\n              Kostenlos und unverbindlich \u00b7 Keine ZEK-Anfrage            <\/div>\n            <span class=\"bf-restart\" id=\"bfhRestart\">\ud83d\udd04 Neue Berechnung starten<\/span>\n          <\/div>\n\n        <\/div><!-- \/bf-wrap -->\n      <\/div><!-- \/bfh-card -->\n\n<\/div><!-- \/bfh-root -->\n\r\n    <\/div>\r\n\r\n  <\/div><!-- \/bfh-inner -->\r\n<\/section>\r\n<\/div><!-- \/bfh-root -->\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-244b1fc e-flex e-con-boxed e-con e-parent\" data-id=\"244b1fc\" 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-6ae6139 elementor-widget elementor-widget-html\" data-id=\"6ae6139\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n   SCOPE: .bflp-root  \u2192  kein Konflikt mit Elementor \/ WP-Theme\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.bflp-root *,.bflp-root *::before,.bflp-root *::after{box-sizing:border-box;margin:0;padding:0;}\n.bflp-root{\n  --navy:      #1e3a5c;\n  --navy-deep: #122540;\n  --navy-lt:   #2a4f7a;\n  --blue:      #3b82f6;\n  --blue-lt:   #60a5fa;\n  --blue-pale: #eff6ff;\n  --green:     #10b981;\n  --green-dk:  #059669;\n  --gold:      #f59e0b;\n  --red:       #ef4444;\n  --white:     #ffffff;\n  --g50:       #f8fafc;\n  --g100:      #f1f5f9;\n  --g200:      #e2e8f0;\n  --g300:      #cbd5e1;\n  --g400:      #94a3b8;\n  --g500:      #64748b;\n  --g600:      #475569;\n  --g700:      #334155;\n  --g800:      #1e293b;\n  --font:      'Plus Jakarta Sans', system-ui, sans-serif;\n  --serif:     'DM Serif Display', Georgia, serif;\n  --r:         12px;\n  --r-lg:      20px;\n  --r-xl:      28px;\n  --sh-sm:     0 1px 3px rgba(30,58,92,.08),0 1px 2px rgba(30,58,92,.05);\n  --sh-md:     0 4px 16px rgba(30,58,92,.10),0 2px 6px rgba(30,58,92,.06);\n  --sh-lg:     0 10px 40px rgba(30,58,92,.13),0 4px 12px rgba(30,58,92,.07);\n  font-family: var(--font);\n  color:       var(--g700);\n  -webkit-font-smoothing: antialiased;\n  line-height: 1.65;\n}\n\n\/* \u2500\u2500 Container \u2500\u2500 *\/\n.bflp-root .lp-wrap{max-width:1180px;margin:0 auto;padding:0 24px;}\n\n\/* \u2500\u2500 Section Base \u2500\u2500 *\/\n.bflp-root .lp-sec{padding:72px 0;}\n.bflp-root .lp-sec-alt{background:var(--g50);}\n\n.bflp-root .lp-label{\n  font-size:11.5px;font-weight:700;letter-spacing:.1em;\n  text-transform:uppercase;color:var(--blue);margin-bottom:10px;\n}\n.bflp-root .lp-title{\n  font-family:var(--serif);font-size:clamp(26px,3vw,40px);\n  color:var(--navy);line-height:1.2;margin-bottom:12px;font-weight:400;\n}\n.bflp-root .lp-sub{\n  font-size:17px;color:var(--g500);max-width:560px;line-height:1.65;\n}\n.bflp-root .lp-sec-head{margin-bottom:48px;}\n.bflp-root .lp-sec-head-center{margin-bottom:48px;text-align:center;}\n.bflp-root .lp-sec-head-center .lp-sub{margin:0 auto;}\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n   1 \u2013 TRUST BAR\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.bflp-root .trust-bar{\n  background:var(--white);\n  border-top:1px solid var(--g100);\n  border-bottom:1px solid var(--g100);\n  padding:0;\n}\n.bflp-root .trust-bar-inner{\n  display:flex;align-items:stretch;justify-content:center;\n  flex-wrap:wrap;\n}\n.bflp-root .trust-stat{\n  display:flex;flex-direction:column;align-items:center;justify-content:center;\n  padding:22px 36px;\n  border-right:1px solid var(--g200);\n  text-align:center;\n  transition:background .2s;\n}\n.bflp-root .trust-stat:last-child{border-right:none;}\n.bflp-root .trust-stat:hover{background:var(--g50);}\n.bflp-root .trust-stat-val{\n  font-family:var(--serif);font-size:28px;\n  color:var(--navy);line-height:1;margin-bottom:4px;\n}\n.bflp-root .trust-stat-lbl{font-size:12px;color:var(--g500);line-height:1.4;}\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n   2 \u2013 WIE ES FUNKTIONIERT (4 Schritte)\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.bflp-root .steps-grid{\n  display:grid;\n  grid-template-columns:repeat(4,1fr);\n  gap:24px;\n  position:relative;\n}\n\/* Verbindungslinie zwischen Cards *\/\n.bflp-root .steps-grid::before{\n  content:'';\n  position:absolute;\n  top:36px;left:calc(12.5% + 20px);right:calc(12.5% + 20px);\n  height:2px;\n  background:linear-gradient(90deg,var(--blue) 0%,var(--blue-lt) 100%);\n  opacity:.25;\n  z-index:0;\n}\n.bflp-root .step-card{\n  background:var(--white);\n  border:1px solid var(--g200);\n  border-radius:var(--r-lg);\n  padding:28px 22px;\n  position:relative;z-index:1;\n  transition:box-shadow .2s,transform .2s,border-color .2s;\n}\n.bflp-root .step-card:hover{\n  box-shadow:var(--sh-md);\n  transform:translateY(-3px);\n  border-color:var(--blue);\n}\n.bflp-root .step-num{\n  width:44px;height:44px;\n  background:linear-gradient(135deg,var(--blue) 0%,#2563eb 100%);\n  border-radius:12px;\n  display:flex;align-items:center;justify-content:center;\n  font-size:17px;font-weight:800;color:var(--white);\n  margin-bottom:18px;\n  box-shadow:0 4px 12px rgba(59,130,246,.3);\n}\n.bflp-root .step-card h3{\n  font-size:15.5px;font-weight:700;color:var(--navy);margin-bottom:8px;\n}\n.bflp-root .step-card p{font-size:14px;color:var(--g500);line-height:1.6;}\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n   3 \u2013 SEO CONTENT (Was ist ein Budget Rechner)\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.bflp-root .content-grid{\n  display:grid;grid-template-columns:1fr 1fr;\n  gap:64px;align-items:start;\n}\n.bflp-root .content-block h2{\n  font-family:var(--serif);font-size:clamp(24px,2.8vw,34px);\n  color:var(--navy);line-height:1.25;margin-bottom:16px;font-weight:400;\n}\n.bflp-root .content-block h3{\n  font-size:16.5px;font-weight:700;color:var(--navy);\n  margin:24px 0 8px;\n}\n.bflp-root .content-block p{\n  font-size:15.5px;color:var(--g600);line-height:1.72;margin-bottom:14px;\n}\n.bflp-root .content-block ul{\n  list-style:none;display:flex;flex-direction:column;gap:10px;margin:12px 0;\n}\n.bflp-root .content-block ul li{\n  font-size:15px;color:var(--g600);padding-left:24px;\n  position:relative;line-height:1.55;\n}\n.bflp-root .content-block ul li::before{\n  content:'\u2713';position:absolute;left:0;\n  color:var(--green);font-weight:700;\n}\n\n\/* Info card *\/\n.bflp-root .info-card{\n  background:var(--blue-pale);\n  border:1px solid rgba(59,130,246,.2);\n  border-radius:var(--r);\n  padding:20px 22px;margin:20px 0;\n}\n.bflp-root .info-card-title{\n  font-size:13.5px;font-weight:700;color:var(--navy);\n  margin-bottom:8px;display:flex;align-items:center;gap:8px;\n}\n.bflp-root .info-card p{font-size:14px;color:var(--g600);margin-bottom:0 !important;}\n\n\/* Budget visual \/ Beispielrechnung *\/\n.bflp-root .budget-visual{\n  background:var(--white);border:1px solid var(--g200);\n  border-radius:var(--r-lg);padding:28px 26px;\n  box-shadow:var(--sh-sm);\n}\n.bflp-root .budget-visual-title{\n  font-size:14px;font-weight:700;color:var(--navy);\n  margin-bottom:18px;padding-bottom:14px;\n  border-bottom:1px solid var(--g100);\n  display:flex;align-items:center;gap:8px;\n}\n.bflp-root .budget-row{\n  display:flex;align-items:center;justify-content:space-between;\n  padding:10px 0;border-bottom:1px solid var(--g50);\n}\n.bflp-root .budget-row:last-child{border-bottom:none;}\n.bflp-root .budget-row-lbl{\n  font-size:14px;color:var(--g600);\n  display:flex;align-items:center;gap:10px;\n}\n.bflp-root .budget-row-lbl .dot{width:8px;height:8px;border-radius:50%;flex-shrink:0;}\n.bflp-root .budget-row-val{font-size:14px;font-weight:700;color:var(--g800);}\n.bflp-root .budget-row-val.pos{color:var(--green);}\n.bflp-root .budget-row-val.res{color:var(--navy);font-size:16px;}\n.bflp-root .budget-divider{\n  border:none;border-top:2px solid var(--g200);margin:4px 0;\n}\n.bflp-root .budget-result-row{\n  display:flex;align-items:center;justify-content:space-between;\n  padding:12px 0 0;\n}\n.bflp-root .budget-result-lbl{font-size:14px;font-weight:700;color:var(--blue);}\n.bflp-root .budget-result-val{\n  font-family:var(--serif);font-size:24px;color:var(--navy);\n}\n.bflp-root .budget-note{\n  font-size:11.5px;color:var(--g400);margin-top:14px;line-height:1.55;\n}\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n   4 \u2013 PARTNERBANKEN\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.bflp-root .banks-grid{\n  display:grid;grid-template-columns:repeat(5,1fr);gap:16px;\n}\n.bflp-root .bank-card{\n  background:var(--white);border:1px solid var(--g200);\n  border-radius:var(--r);\n  padding:22px 16px;\n  display:flex;align-items:center;justify-content:center;\n  min-height:76px;\n  transition:box-shadow .2s,border-color .2s,transform .2s;\n  cursor:default;\n}\n.bflp-root .bank-card:hover{\n  box-shadow:var(--sh-md);border-color:var(--blue);transform:translateY(-2px);\n}\n.bflp-root .bank-card span{\n  font-size:13.5px;font-weight:700;color:var(--navy);\n  text-align:center;line-height:1.35;\n}\n.bflp-root .banks-note{\n  text-align:center;font-size:12.5px;color:var(--g400);margin-top:18px;\n}\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n   5 \u2013 FAQ\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.bflp-root .faq-wrap{max-width:820px;margin:0 auto;}\n.bflp-root .faq-list{display:flex;flex-direction:column;gap:10px;}\n.bflp-root .faq-item{\n  background:var(--white);border:1px solid var(--g200);\n  border-radius:var(--r);overflow:hidden;\n  transition:box-shadow .2s;\n}\n.bflp-root .faq-item:hover{box-shadow:var(--sh-sm);}\n.bflp-root .faq-item.open{border-color:var(--blue);}\n.bflp-root .faq-q{\n  width:100%;background:none;border:none;text-align:left;\n  padding:18px 22px;cursor:pointer;\n  font-size:15.5px;font-weight:600;color:var(--navy);\n  font-family:var(--font);\n  display:flex;align-items:center;justify-content:space-between;gap:16px;\n}\n.bflp-root .faq-q:hover{color:var(--blue);}\n.bflp-root .faq-icon{\n  width:26px;height:26px;flex-shrink:0;\n  border-radius:50%;background:var(--g100);\n  display:flex;align-items:center;justify-content:center;\n  font-size:18px;color:var(--blue);\n  transition:transform .25s,background .2s,color .2s;\n  line-height:1;\n}\n.bflp-root .faq-item.open .faq-icon{\n  transform:rotate(45deg);background:var(--blue);color:var(--white);\n}\n.bflp-root .faq-a{\n  max-height:0;overflow:hidden;\n  transition:max-height .35s cubic-bezier(.4,0,.2,1),padding .2s;\n  font-size:15px;color:var(--g600);line-height:1.72;\n  padding:0 22px;\n}\n.bflp-root .faq-item.open .faq-a{max-height:600px;padding:0 22px 20px;}\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n   6 \u2013 CTA SECTION\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.bflp-root .cta-sec{\n  background:linear-gradient(135deg,var(--navy-deep) 0%,var(--navy) 55%,var(--navy-lt) 100%);\n  padding:80px 24px;text-align:center;position:relative;overflow:hidden;\n}\n.bflp-root .cta-sec::before{\n  content:'';position:absolute;inset:0;\n  background:radial-gradient(ellipse 60% 80% at 50% 50%,rgba(59,130,246,.18) 0%,transparent 70%);\n  pointer-events:none;\n}\n.bflp-root .cta-sec::after{\n  content:'';position:absolute;inset:0;\n  background-image:radial-gradient(rgba(255,255,255,.05) 1px,transparent 1px);\n  background-size:28px 28px;pointer-events:none;\n}\n.bflp-root .cta-inner{position:relative;z-index:1;max-width:700px;margin:0 auto;}\n.bflp-root .cta-badge{\n  display:inline-flex;align-items:center;gap:8px;\n  background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);\n  border-radius:100px;padding:6px 16px;\n  font-size:12.5px;font-weight:600;color:rgba(255,255,255,.88);\n  margin-bottom:22px;letter-spacing:.03em;backdrop-filter:blur(6px);\n}\n.bflp-root .cta-h2{\n  font-family:var(--serif);font-size:clamp(28px,4vw,46px);\n  color:var(--white);margin-bottom:14px;font-weight:400;line-height:1.2;\n}\n.bflp-root .cta-sub{\n  font-size:17px;color:rgba(255,255,255,.7);\n  margin-bottom:36px;max-width:480px;margin-left:auto;margin-right:auto;\n  line-height:1.65;\n}\n.bflp-root .cta-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;}\n.bflp-root .btn-white{\n  background:var(--white);color:var(--navy);\n  border:none;border-radius:10px;padding:15px 32px;\n  font-size:15px;font-weight:700;font-family:var(--font);\n  cursor:pointer;text-decoration:none;\n  display:inline-flex;align-items:center;gap:8px;\n  box-shadow:0 4px 20px rgba(0,0,0,.2);\n  transition:transform .15s,box-shadow .15s;\n}\n.bflp-root .btn-white:hover{transform:translateY(-2px);box-shadow:0 8px 28px rgba(0,0,0,.3);}\n.bflp-root .btn-outline{\n  background:transparent;color:rgba(255,255,255,.9);\n  border:1.5px solid rgba(255,255,255,.35);\n  border-radius:10px;padding:15px 32px;\n  font-size:15px;font-weight:600;font-family:var(--font);\n  cursor:pointer;text-decoration:none;\n  display:inline-flex;align-items:center;gap:8px;\n  transition:background .15s,border-color .15s;backdrop-filter:blur(6px);\n}\n.bflp-root .btn-outline:hover{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.6);}\n.bflp-root .cta-trust-row{\n  margin-top:28px;display:flex;align-items:center;\n  justify-content:center;gap:24px;flex-wrap:wrap;\n}\n.bflp-root .cta-trust-item{\n  font-size:13px;color:rgba(255,255,255,.5);\n  display:flex;align-items:center;gap:6px;\n}\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n   7 \u2013 DISCLAIMER\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.bflp-root .disclaimer{\n  background:var(--g50);border-top:1px solid var(--g200);\n  padding:22px 24px;\n}\n.bflp-root .disclaimer p{\n  font-size:11.5px;color:var(--g400);line-height:1.65;\n  max-width:940px;margin:0 auto;text-align:center;\n}\n.bflp-root .disclaimer strong{color:var(--g500);}\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n   RESPONSIVE\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n@media(max-width:1024px){\n  .bflp-root .steps-grid{grid-template-columns:repeat(2,1fr);}\n  .bflp-root .steps-grid::before{display:none;}\n  .bflp-root .banks-grid{grid-template-columns:repeat(3,1fr);}\n  .bflp-root .content-grid{grid-template-columns:1fr;gap:36px;}\n}\n@media(max-width:640px){\n  .bflp-root .lp-sec{padding:48px 0;}\n  .bflp-root .trust-stat{\n    width:50%;padding:16px 20px;\n    border-right:none;border-bottom:1px solid var(--g200);\n  }\n  .bflp-root .trust-stat:nth-child(odd){border-right:1px solid var(--g200);}\n  .bflp-root .trust-stat:nth-last-child(-n+2){border-bottom:none;}\n  .bflp-root .steps-grid{grid-template-columns:1fr;}\n  .bflp-root .banks-grid{grid-template-columns:repeat(2,1fr);}\n  .bflp-root .lp-sec-head,.bflp-root .lp-sec-head-center{margin-bottom:28px;}\n  .bflp-root .lp-sub{font-size:15.5px;}\n  .bflp-root .cta-sec{padding:56px 20px;}\n  .bflp-root .cta-btns{flex-direction:column;align-items:center;}\n  .bflp-root .btn-white,.bflp-root .btn-outline{width:100%;max-width:320px;justify-content:center;}\n  .bflp-root .cta-trust-row{gap:14px;}\n  .bflp-root .faq-q{font-size:14.5px;padding:16px 18px;}\n  .bflp-root .faq-item.open .faq-a{padding:0 18px 16px;}\n  .bflp-root .lp-wrap{padding:0 18px;}\n}\n@media(max-width:400px){\n  .bflp-root .banks-grid{grid-template-columns:1fr 1fr;}\n  .bflp-root .trust-stat-val{font-size:22px;}\n}\n<\/style>\n\n<div class=\"bflp-root\">\n\n  <!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n       1 \u2013 TRUST BAR\n  \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n  <div class=\"trust-bar\">\n    <div class=\"lp-wrap\">\n      <div class=\"trust-bar-inner\">\n        <div class=\"trust-stat\">\n          <div class=\"trust-stat-val\">20+<\/div>\n          <div class=\"trust-stat-lbl\">Years of experience<br>since 2004<\/div>\n        <\/div>\n        <div class=\"trust-stat\">\n          <div class=\"trust-stat-val\">5+<\/div>\n          <div class=\"trust-stat-lbl\">Partner banks<br>in comparison<\/div>\n        <\/div>\n        <div class=\"trust-stat\">\n          <div class=\"trust-stat-val\">4.9%<\/div>\n          <div class=\"trust-stat-lbl\">Interest from<br>effective annual interest rate<\/div>\n        <\/div>\n        <div class=\"trust-stat\">\n          <div class=\"trust-stat-val\">CHF 0<\/div>\n          <div class=\"trust-stat-lbl\">Processing-<br>fees<\/div>\n        <\/div>\n        <div class=\"trust-stat\">\n          <div class=\"trust-stat-val\">KKG<\/div>\n          <div class=\"trust-stat-lbl\">Conform<br>Swiss law<\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n       2 \u2013 IN 4 SCHRITTEN ZUM KREDIT\n  \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n  <section class=\"lp-sec lp-sec-alt\" aria-labelledby=\"bflp-steps-title\">\n    <div class=\"lp-wrap\">\n      <div class=\"lp-sec-head\">\n        <div class=\"lp-label\">It&#039;s that easy<\/div>\n        <h2 class=\"lp-title\" id=\"bflp-steps-title\">Get your loan in 4 steps<\/h2>\n        <p class=\"lp-sub\">From budget calculator to payout \u2013 fast, secure and personally supported.<\/p>\n      <\/div>\n      <div class=\"steps-grid\">\n\n        <div class=\"step-card\">\n          <div class=\"step-num\">1<\/div>\n          <h3>Calculate budget<\/h3>\n          <p>Enter your income and expenses into our budget calculator \u2013 anonymously and without obligation. No ZEK inquiry.<\/p>\n        <\/div>\n\n        <div class=\"step-card\">\n          <div class=\"step-num\">2<\/div>\n          <h3>Apply for a loan<\/h3>\n          <p>Submit your loan application online in just a few minutes. We compare offers from 5+ Swiss partner banks for you.<\/p>\n        <\/div>\n\n        <div class=\"step-card\">\n          <div class=\"step-num\">3<\/div>\n          <h3>Secure the best offer<\/h3>\n          <p>You will receive the most affordable offer \u2013 your personal advisor will guide you through the entire process.<\/p>\n        <\/div>\n\n        <div class=\"step-card\">\n          <div class=\"step-num\">4<\/div>\n          <h3>Money in the account<\/h3>\n          <p>Once the loan is approved, the amount will be transferred directly to your Swiss bank account \u2013 usually within a few days.<\/p>\n        <\/div>\n\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n       3 \u2013 SEO CONTENT: Was ist ein Budget Rechner\n  \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n  <section class=\"lp-sec\" aria-labelledby=\"bflp-erkl-title\">\n    <div class=\"lp-wrap\">\n      <div class=\"content-grid\">\n\n        <!-- Text -->\n        <div class=\"content-block\">\n          <h2 id=\"bflp-erkl-title\">What does the budget calculator calculate for loans?<\/h2>\n          <p>\n            Best Finance&#039;s budget calculator determines, based on your personal financial situation, the loan amount you can obtain according to the Swiss Federal Budget Code. <strong>Consumer Credit Act (KKG)<\/strong> can afford it. It is the key tool before you apply for a personal loan.\n          <\/p>\n\n          <h3>What is taken into account?<\/h3>\n          <ul>\n            <li>Your monthly net income including 13th month salary<\/li>\n            <li>Basic legal needs allowance (depending on living situation &amp; number of children)<\/li>\n            <li>Housing costs \u2013 rent or mortgage (your share)<\/li>\n            <li>Monthly health insurance premiums (all household members)<\/li>\n            <li>Alimony and maintenance payments<\/li>\n            <li>Transportation costs and meals at the workplace<\/li>\n            <li>Existing loan and lease obligations<\/li>\n            <li>Withholding tax (automatically calculated according to canton and marital status)<\/li>\n          <\/ul>\n\n          <div class=\"info-card\">\n            <div class=\"info-card-title\">\n              <svg width=\"16\" height=\"16\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"#1e3a5c\" stroke-width=\"2\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"12\" y1=\"8\" x2=\"12\" y2=\"12\"\/><line x1=\"12\" y1=\"16\" x2=\"12.01\" y2=\"16\"\/><\/svg>\n              Important: KKG calculation \u2260 subjective budget\n            <\/div>\n            <p>\n              Swiss banks strictly adhere to the Consumer Protection Act (KKG). The legally mandated basic allowance for a single person is CHF 1,100\u20131,200 per month (depending on living situation), and CHF 1,700 for couples including their partner. In addition, child costs are factored in at a flat rate of CHF 400 (under 10 years) or CHF 600 (11\u201325 years) per child per month.\n            <\/p>\n          <\/div>\n\n          <h3>How is the credit limit determined?<\/h3>\n          <p>\n            Your maximum loan payment is determined by your monthly disposable income after deducting all expenses. The calculation uses the annuity formula with a conservative reference interest rate. The result is intended as a preliminary guide.\n          <\/p>\n          <p>\n            The actual approved credit limit also depends on your <strong>Creditworthiness and your ZEK score<\/strong> as well as the bank&#039;s individual allocation guidelines.\n          <\/p>\n        <\/div>\n\n        <!-- Beispielrechnung -->\n        <div>\n          <div class=\"budget-visual\" role=\"complementary\" aria-label=\"Example budget calculation\">\n            <div class=\"budget-visual-title\">\n              <svg width=\"18\" height=\"18\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"#3b82f6\" stroke-width=\"2\"><rect x=\"2\" y=\"3\" width=\"20\" height=\"18\" rx=\"2\"\/><path d=\"M8 10h8M8 14h5\"\/><\/svg>\n              Example calculation \u2013 Aarau, single\n            <\/div>\n\n            <div class=\"budget-row\">\n              <div class=\"budget-row-lbl\">\n                <span class=\"dot\" style=\"background:#10b981\"><\/span>Net salary (12 months)\n              <\/div>\n              <div class=\"budget-row-val pos\">+ CHF 5,000<\/div>\n            <\/div>\n\n            <hr class=\"budget-divider\">\n\n            <div class=\"budget-row\">\n              <div class=\"budget-row-lbl\"><span class=\"dot\" style=\"background:#f59e0b\"><\/span>Basic needs (alone)<\/div>\n              <div class=\"budget-row-val\">- CHF 1,200<\/div>\n            <\/div>\n            <div class=\"budget-row\">\n              <div class=\"budget-row-lbl\"><span class=\"dot\" style=\"background:#f59e0b\"><\/span>Rent including utilities<\/div>\n              <div class=\"budget-row-val\">- CHF 1,350<\/div>\n            <\/div>\n            <div class=\"budget-row\">\n              <div class=\"budget-row-lbl\"><span class=\"dot\" style=\"background:#f59e0b\"><\/span>Health insurance<\/div>\n              <div class=\"budget-row-val\">- CHF 380<\/div>\n            <\/div>\n            <div class=\"budget-row\">\n              <div class=\"budget-row-lbl\"><span class=\"dot\" style=\"background:#f59e0b\"><\/span>Transport &amp; Catering<\/div>\n              <div class=\"budget-row-val\">- CHF 290<\/div>\n            <\/div>\n            <div class=\"budget-row\">\n              <div class=\"budget-row-lbl\"><span class=\"dot\" style=\"background:#f59e0b\"><\/span>Withholding tax (AG, approx. 8%)<\/div>\n              <div class=\"budget-row-val\">- CHF 432<\/div>\n            <\/div>\n\n            <hr class=\"budget-divider\">\n\n            <div class=\"budget-row\">\n              <div class=\"budget-row-lbl\" style=\"font-weight:600;color:var(--navy)\">Available budget\/month.<\/div>\n              <div class=\"budget-row-val\" style=\"color:var(--navy);font-size:15px\">CHF 1,348<\/div>\n            <\/div>\n\n            <hr class=\"budget-divider\">\n\n            <div class=\"budget-result-row\">\n              <div class=\"budget-result-lbl\">\u27f9 Credit limit (approx.)<\/div>\n              <div class=\"budget-result-val\">Approximately CHF 48,000<\/div>\n            <\/div>\n\n            <p class=\"budget-note\">\n              Example for 10% reference interest rate \/ 36 months (conservative loan). No guarantee. Actual credit limit depends on individual bank assessment.\n            <\/p>\n          <\/div>\n        <\/div>\n\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n       4 \u2013 PARTNERBANKEN\n  \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n  <section class=\"lp-sec lp-sec-alt\" aria-labelledby=\"bflp-banken-title\">\n    <div class=\"lp-wrap\">\n      <div class=\"lp-sec-head-center\">\n        <div class=\"lp-label\">Our partner banks<\/div>\n        <h2 class=\"lp-title\" id=\"bflp-banken-title\">We compare the best Swiss banks<\/h2>\n        <p class=\"lp-sub\">\n          Best Finance arranges personal loans from leading FINMA-regulated Swiss banks \u2013 you benefit from the lowest interest rate without any extra effort.\n        <\/p>\n      <\/div>\n\n      <div class=\"banks-grid\">\n        <div class=\"bank-card\">\n          <span>Cembra<br>Money Bank<\/span>\n        <\/div>\n        <div class=\"bank-card\">\n          <span>Bank Now<\/span>\n        <\/div>\n        <div class=\"bank-card\">\n          <span>Corner<br>bank<\/span>\n        <\/div>\n        <div class=\"bank-card\">\n          <span>bob<br>Finance<\/span>\n        <\/div>\n        <div class=\"bank-card\">\n          <span>Migros<br>bank<\/span>\n        <\/div>\n      <\/div>\n\n      <p class=\"banks-note\">\n        All partner banks are FINMA-regulated and subject to the Swiss Consumer Credit Act (KKG). Maximum interest rate: 9.95% effective annual interest rate.\n      <\/p>\n    <\/div>\n  <\/section>\n\n  <!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n       5 \u2013 FAQ (FAQPage Schema)\n  \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n  <section class=\"lp-sec\" aria-labelledby=\"bflp-faq-title\">\n    <div class=\"lp-wrap\">\n      <div class=\"lp-sec-head\">\n        <div class=\"lp-label\">Frequently asked questions<\/div>\n        <h2 class=\"lp-title\" id=\"bflp-faq-title\">Questions about the budget calculator &amp; loan<\/h2>\n        <p class=\"lp-sub\">Everything you need to know about credit limits and credit budgets in Switzerland.<\/p>\n      <\/div>\n\n      <div class=\"faq-wrap\">\n        <div class=\"faq-list\" id=\"bflpFaqList\">\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              How much credit can I get in Switzerland?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              How much credit you can get in Switzerland depends on your net income, your monthly expenses (rent, health insurance, existing obligations), your housing situation, and your marital status. According to the Consumer Credit Act (KKG), the monthly loan payment may not exceed a maximum amount that leaves you with sufficient funds for living expenses after deducting all costs. Use our budget calculator to calculate your personal credit limit instantly and free of charge.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              What is a budget calculator for loans?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              A budget calculator for loans determines your maximum credit limit based on your income and expenses \u2013 in accordance with the legal requirements of the Swiss Consumer Credit Act (KKG). It takes into account net salary, housing costs, health insurance premiums, child expenses, alimony, taxes, and existing obligations. The result shows which monthly payment and loan amount are realistically affordable for you.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              What documents do I need for a loan in Switzerland?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              To apply for a loan in Switzerland, you will generally need: payslips for the last 3 months, a copy of your identity card or passport, an extract from the debt enforcement register, and information on any existing loans or lease agreements. Married individuals will also need their partner&#039;s payslip. Best Finance will guide you through the entire application process.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              What is the interest rate for a personal loan in Switzerland?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              The legally mandated maximum interest rate for personal loans in Switzerland is 9.951 TW (effective annual interest rate). Best Finance brokers personal loans starting at 4.91 TW (effective annual interest rate) \u2013 depending on creditworthiness, loan term, and loan amount. A no-obligation comparison across several partner banks ensures you the best interest rate.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              Can I anonymously check how much credit I can get?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              Yes. Our budget calculator is completely anonymous and non-binding. No credit check is performed, and no credit assessment is carried out. The result serves as an initial guide \u2013 a binding offer requires an official loan application with a full credit check.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              What is the difference between a credit line and a credit limit?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              The <strong>Credit line<\/strong> This refers to the maximum amount you could apply for based on your financial situation \u2013 calculated according to the Swiss Consumer Credit Act. <strong>Credit limit<\/strong> This is the amount actually approved by the bank, which depends on your creditworthiness, your ZEK score, and other factors. The credit limit shown in the budget calculator is an estimate; the actual credit limit may differ.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              Who is Best Finance and how long has the company been in business?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              Best Finance GmbH is an independent Swiss loan broker based in Aarau (Bahnhofstrasse 67, 5000 Aarau) for German-speaking Switzerland and Lausanne (Av. d&#039;Echallens 109, 1004 Lausanne) for French-speaking Switzerland. Operating since 2004, we arrange personal loans through leading Swiss partner banks and provide our clients with personalized advice in German, French, Italian, and Portuguese. Our services are free of charge.\n            <\/div>\n          <\/div>\n\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n       6 \u2013 FINAL CTA\n  \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n  <section class=\"cta-sec\" aria-labelledby=\"bflp-cta-title\">\n    <div class=\"cta-inner\">\n      <div class=\"cta-badge\">\n        <svg width=\"13\" height=\"13\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z\"\/><\/svg>\n        Free &amp; no obligation\n      <\/div>\n      <h2 class=\"cta-h2\" id=\"bflp-cta-title\">Ready for your loan?<\/h2>\n      <p class=\"cta-sub\">Request a free consultation now \u2013 no obligation, personal advice included, no processing fees, no risk.<\/p>\n      <div class=\"cta-btns\">\n        <a href=\"https:\/\/www.bestfinance.ch\/en\/credit-application-switzerland\/?fo=AA&w1=LandingPageCTA\" class=\"btn-white\">\n          <svg width=\"17\" height=\"17\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n          Apply for a loan\n        <\/a>\n        <a href=\"tel:+41622233566\" class=\"btn-outline\">\n          <svg width=\"16\" height=\"16\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M22 16.92v3a2 2 0 01-2.18 2 19.79 19.79 0 01-8.63-3.07A19.5 19.5 0 013.07 9.81 19.79 19.79 0 01.01 1.18C.01.56.52.01 1.14.01h3a2 2 0 012 1.72c.127.96.361 1.903.7 2.81a2 2 0 01-.45 2.11L5.09 7.91a16 16 0 006 6l1.27-1.27a2 2 0 012.11-.45c.907.339 1.85.573 2.81.7A2 2 0 0122 16.92z\"\/><\/svg>\n          +41 (62) 823 08 03\n        <\/a>\n      <\/div>\n      <div class=\"cta-trust-row\">\n        <div class=\"cta-trust-item\">\n          <svg width=\"12\" height=\"12\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg>\n          No processing fees\n        <\/div>\n        <div class=\"cta-trust-item\">\n          <svg width=\"12\" height=\"12\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg>\n          FINMA-regulated partner banks\n        <\/div>\n        <div class=\"cta-trust-item\">\n          <svg width=\"12\" height=\"12\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg>\n          Personal consultation in German\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n       7 \u2013 DISCLAIMER\n  \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n  <div class=\"disclaimer\">\n    <div class=\"lp-wrap\">\n      <p>\n        <strong>Legal notice:<\/strong> The budget calculator provides a non-binding estimate of the possible credit limit and does not constitute a binding loan offer. The results do not replace an individual credit check by a bank. The effective annual interest rate is between 4.91 and 9.951, in accordance with the legal maximum (Art. 9 KKG). <strong>Credit will not be granted if it leads to over-indebtedness.<\/strong>\n      <\/p>\n    <\/div>\n  <\/div>\n\n<\/div><!-- \/bflp-root -->\n\n<!-- FAQ Accordion Script -->\n<script>\n(function(){\n  'use strict';\n  var items = document.querySelectorAll('#bflpFaqList .faq-item');\n  items.forEach(function(item){\n    var btn = item.querySelector('.faq-q');\n    btn.addEventListener('click', function(){\n      var isOpen = item.classList.contains('open');\n      \/\/ Alle schliessen\n      items.forEach(function(i){\n        i.classList.remove('open');\n        i.querySelector('.faq-q').setAttribute('aria-expanded','false');\n      });\n      \/\/ Aktuelles \u00f6ffnen\n      if(!isOpen){\n        item.classList.add('open');\n        btn.setAttribute('aria-expanded','true');\n      }\n    });\n  });\n})();\n<\/script>\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-f5dd1fd e-flex e-con-boxed e-con e-parent\" data-id=\"f5dd1fd\" 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-7c01d17 elementor-widget elementor-widget-spacer\" data-id=\"7c01d17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_seopress_titles_title":"Budget Rechner Kredit Schweiz | Best Finance","_seopress_titles_desc":"Wie viel Kredit bekomme ich? 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Zinsen ab 4.9% | 5+ Partnerbanken | Seit 2004.","_seopress_social_fb_img":"https:\/\/www.bestfinance.ch\/wp-content\/uploads\/2026\/04\/kredit-budget-rechner-facebook.jpg","_seopress_social_fb_img_attachment_id":203735,"_seopress_social_fb_img_width":1000,"_seopress_social_fb_img_height":528,"_seopress_social_twitter_title":"Budget Rechner Kredit Schweiz | Best Finance","_seopress_social_twitter_desc":"Kreditrahmen kostenlos & anonym berechnen \u2013 KKG-konform, ohne ZEK-Anfrage. 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