{"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":"calculadora-de-presupuesto-de-credito-en-linea","status":"publish","type":"page","link":"https:\/\/www.bestfinance.ch\/es\/kredit-budgetrechner-online\/","title":{"rendered":"Calculadora online de presupuestos de cr\u00e9dito"},"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\">A\u00f1os de experiencia<br>desde 2004<\/div>\n        <\/div>\n        <div class=\"trust-stat\">\n          <div class=\"trust-stat-val\">5+<\/div>\n          <div class=\"trust-stat-lbl\">Bancos asociados<br>en comparaci\u00f3n<\/div>\n        <\/div>\n        <div class=\"trust-stat\">\n          <div class=\"trust-stat-val\">4.9%<\/div>\n          <div class=\"trust-stat-lbl\">Inter\u00e9s de<br>tasa de inter\u00e9s anual efectiva<\/div>\n        <\/div>\n        <div class=\"trust-stat\">\n          <div class=\"trust-stat-val\">CHF 0<\/div>\n          <div class=\"trust-stat-lbl\">Tratamiento-<br>honorarios<\/div>\n        <\/div>\n        <div class=\"trust-stat\">\n          <div class=\"trust-stat-val\">KKG<\/div>\n          <div class=\"trust-stat-lbl\">Ajustarse<br>Derecho suizo<\/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\">Es as\u00ed de f\u00e1cil<\/div>\n        <h2 class=\"lp-title\" id=\"bflp-steps-title\">Obt\u00e9n tu pr\u00e9stamo en 4 pasos<\/h2>\n        <p class=\"lp-sub\">Desde la calculadora de presupuesto hasta el pago: r\u00e1pido, seguro y con asistencia personalizada.<\/p>\n      <\/div>\n      <div class=\"steps-grid\">\n\n        <div class=\"step-card\">\n          <div class=\"step-num\">1<\/div>\n          <h3>Calcular presupuesto<\/h3>\n          <p>Introduce tus ingresos y gastos en nuestra calculadora de presupuesto de forma an\u00f3nima y sin compromiso. No se realizan consultas sobre el programa ZEK.<\/p>\n        <\/div>\n\n        <div class=\"step-card\">\n          <div class=\"step-num\">2<\/div>\n          <h3>Solicitar un pr\u00e9stamo<\/h3>\n          <p>Env\u00eda tu solicitud de pr\u00e9stamo online en tan solo unos minutos. Comparamos las ofertas de m\u00e1s de 5 bancos suizos asociados para ti.<\/p>\n        <\/div>\n\n        <div class=\"step-card\">\n          <div class=\"step-num\">3<\/div>\n          <h3>Consigue la mejor oferta<\/h3>\n          <p>Recibir\u00e1s la oferta m\u00e1s econ\u00f3mica; tu asesor personal te guiar\u00e1 durante todo el proceso.<\/p>\n        <\/div>\n\n        <div class=\"step-card\">\n          <div class=\"step-num\">4<\/div>\n          <h3>Dinero en la cuenta<\/h3>\n          <p>Una vez aprobado el pr\u00e9stamo, el importe se transferir\u00e1 directamente a su cuenta bancaria suiza, normalmente en pocos d\u00edas.<\/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\">\u00bfQu\u00e9 calcula la calculadora de presupuesto para los pr\u00e9stamos?<\/h2>\n          <p>\n            La calculadora de presupuestos de Best Finance determina, en funci\u00f3n de su situaci\u00f3n financiera personal, el importe del pr\u00e9stamo que puede obtener seg\u00fan el C\u00f3digo Federal de Presupuestos de Suiza. <strong>Ley de cr\u00e9dito al consumo (KKG)<\/strong> Puede permit\u00edrselo. Es la herramienta clave antes de solicitar un pr\u00e9stamo personal.\n          <\/p>\n\n          <h3>\u00bfQu\u00e9 se tiene en cuenta?<\/h3>\n          <ul>\n            <li>Tu ingreso neto mensual, incluyendo el salario del decimotercer mes.<\/li>\n            <li>Prestaci\u00f3n b\u00e1sica por necesidades legales (seg\u00fan la situaci\u00f3n de convivencia y el n\u00famero de hijos)<\/li>\n            <li>Costes de vivienda: alquiler o hipoteca (su parte)<\/li>\n            <li>Primas mensuales del seguro m\u00e9dico (para todos los miembros del hogar)<\/li>\n            <li>Pagos de pensi\u00f3n alimenticia y manutenci\u00f3n<\/li>\n            <li>Costos de transporte y comidas en el lugar de trabajo<\/li>\n            <li>Obligaciones de pr\u00e9stamos y arrendamientos existentes<\/li>\n            <li>Impuesto sobre la renta retenido (calculado autom\u00e1ticamente seg\u00fan el cant\u00f3n y el estado civil)<\/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              Importante: El c\u00e1lculo KKG no es un presupuesto subjetivo.\n            <\/div>\n            <p>\n              Los bancos suizos se adhieren estrictamente a la Ley de Protecci\u00f3n al Consumidor (KKG). La prestaci\u00f3n b\u00e1sica obligatoria para una persona soltera es de entre 1100 y 1200 CHF mensuales (seg\u00fan la situaci\u00f3n de convivencia), y de 1700 CHF para parejas (incluido el c\u00f3nyuge). Adem\u00e1s, se incluye una prestaci\u00f3n fija de 400 CHF mensuales por hijo (menores de 10 a\u00f1os) o de 600 CHF mensuales (entre 11 y 25 a\u00f1os).\n            <\/p>\n          <\/div>\n\n          <h3>\u00bfC\u00f3mo se determina el l\u00edmite de cr\u00e9dito?<\/h3>\n          <p>\n            El pago m\u00e1ximo de su pr\u00e9stamo se determina seg\u00fan sus ingresos mensuales disponibles despu\u00e9s de deducir todos los gastos. El c\u00e1lculo utiliza la f\u00f3rmula de anualidad con una tasa de inter\u00e9s de referencia conservadora. El resultado es solo una gu\u00eda preliminar.\n          <\/p>\n          <p>\n            El l\u00edmite de cr\u00e9dito aprobado real tambi\u00e9n depende de su <strong>Solvencia crediticia y su puntuaci\u00f3n ZEK<\/strong> as\u00ed como las directrices de asignaci\u00f3n individual del banco.\n          <\/p>\n        <\/div>\n\n        <!-- Beispielrechnung -->\n        <div>\n          <div class=\"budget-visual\" role=\"complementary\" aria-label=\"Ejemplo de c\u00e1lculo de presupuesto\">\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              Ejemplo de c\u00e1lculo \u2013 Aarau, individual\n            <\/div>\n\n            <div class=\"budget-row\">\n              <div class=\"budget-row-lbl\">\n                <span class=\"dot\" style=\"background:#10b981\"><\/span>Salario neto (12 meses)\n              <\/div>\n              <div class=\"budget-row-val pos\">+ 5.000 CHF<\/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>Necesidades b\u00e1sicas (solamente)<\/div>\n              <div class=\"budget-row-val\">- 1.200 CHF<\/div>\n            <\/div>\n            <div class=\"budget-row\">\n              <div class=\"budget-row-lbl\"><span class=\"dot\" style=\"background:#f59e0b\"><\/span>Alquiler con servicios incluidos<\/div>\n              <div class=\"budget-row-val\">- 1.350 CHF<\/div>\n            <\/div>\n            <div class=\"budget-row\">\n              <div class=\"budget-row-lbl\"><span class=\"dot\" style=\"background:#f59e0b\"><\/span>seguro m\u00e9dico<\/div>\n              <div class=\"budget-row-val\">- 380 CHF<\/div>\n            <\/div>\n            <div class=\"budget-row\">\n              <div class=\"budget-row-lbl\"><span class=\"dot\" style=\"background:#f59e0b\"><\/span>Transporte y catering<\/div>\n              <div class=\"budget-row-val\">- 290 CHF<\/div>\n            <\/div>\n            <div class=\"budget-row\">\n              <div class=\"budget-row-lbl\"><span class=\"dot\" style=\"background:#f59e0b\"><\/span>Impuesto sobre la renta retenido (AG, aprox. 8%)<\/div>\n              <div class=\"budget-row-val\">- 432 CHF<\/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)\">Presupuesto disponible\/mes.<\/div>\n              <div class=\"budget-row-val\" style=\"color:var(--navy);font-size:15px\">1.348 francos suizos<\/div>\n            <\/div>\n\n            <hr class=\"budget-divider\">\n\n            <div class=\"budget-result-row\">\n              <div class=\"budget-result-lbl\">\u27f9 L\u00edmite de cr\u00e9dito (aprox.)<\/div>\n              <div class=\"budget-result-val\">\u2248 48.000 CHF<\/div>\n            <\/div>\n\n            <p class=\"budget-note\">\n              Ejemplo de tasa de inter\u00e9s de referencia 10% \/ 36 meses (pr\u00e9stamo conservador). Sin garant\u00eda. El l\u00edmite de cr\u00e9dito real depende de la evaluaci\u00f3n de cada banco.\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\">Nuestros bancos asociados<\/div>\n        <h2 class=\"lp-title\" id=\"bflp-banken-title\">Comparamos los mejores bancos suizos<\/h2>\n        <p class=\"lp-sub\">\n          Best Finance gestiona pr\u00e9stamos personales de los principales bancos suizos regulados por la FINMA, para que usted se beneficie del tipo de inter\u00e9s m\u00e1s bajo sin ning\u00fan esfuerzo adicional.\n        <\/p>\n      <\/div>\n\n      <div class=\"banks-grid\">\n        <div class=\"bank-card\">\n          <span>Cembra<br>Banco de dinero<\/span>\n        <\/div>\n        <div class=\"bank-card\">\n          <span>Banco ahora<\/span>\n        <\/div>\n        <div class=\"bank-card\">\n          <span>Rinc\u00f3n<br>banco<\/span>\n        <\/div>\n        <div class=\"bank-card\">\n          <span>chel\u00edn<br>Finanzas<\/span>\n        <\/div>\n        <div class=\"bank-card\">\n          <span>Migros<br>banco<\/span>\n        <\/div>\n      <\/div>\n\n      <p class=\"banks-note\">\n        Todos los bancos asociados est\u00e1n regulados por la FINMA y sujetos a la Ley Suiza de Cr\u00e9dito al Consumo (KKG). Tasa de inter\u00e9s m\u00e1xima: 9,95% de tasa de inter\u00e9s anual efectiva.\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\">Preguntas frecuentes<\/div>\n        <h2 class=\"lp-title\" id=\"bflp-faq-title\">Preguntas sobre la calculadora de presupuesto y el pr\u00e9stamo<\/h2>\n        <p class=\"lp-sub\">Todo lo que necesitas saber sobre los l\u00edmites de cr\u00e9dito y los presupuestos de cr\u00e9dito en Suiza.<\/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              \u00bfCu\u00e1nto cr\u00e9dito puedo obtener en Suiza?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              En Suiza, el l\u00edmite de cr\u00e9dito que puedes obtener depende de tus ingresos netos, tus gastos mensuales (alquiler, seguro m\u00e9dico, obligaciones existentes), tu situaci\u00f3n de vivienda y tu estado civil. Seg\u00fan la Ley de Cr\u00e9dito al Consumo (KKG), la cuota mensual del pr\u00e9stamo no puede superar un importe m\u00e1ximo que te permita cubrir tus gastos b\u00e1sicos una vez deducidos todos los costes. Utiliza nuestra calculadora de presupuesto para calcular tu l\u00edmite de cr\u00e9dito personal al instante y de forma gratuita.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              \u00bfQu\u00e9 es una calculadora de presupuesto para pr\u00e9stamos?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              Una calculadora de presupuesto para pr\u00e9stamos determina tu l\u00edmite m\u00e1ximo de cr\u00e9dito en funci\u00f3n de tus ingresos y gastos, de acuerdo con la Ley Suiza de Cr\u00e9dito al Consumo (KKG). Tiene en cuenta el salario neto, los gastos de vivienda, las primas del seguro m\u00e9dico, los gastos de los hijos, la pensi\u00f3n alimenticia, los impuestos y las obligaciones existentes. El resultado muestra qu\u00e9 cuota mensual y qu\u00e9 importe de pr\u00e9stamo son realmente asequibles para ti.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              \u00bfQu\u00e9 documentos necesito para obtener un pr\u00e9stamo en Suiza?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              Para solicitar un pr\u00e9stamo en Suiza, generalmente necesitar\u00e1: las n\u00f3minas de los \u00faltimos 3 meses, una copia de su documento de identidad o pasaporte, un extracto del registro de ejecuci\u00f3n de deudas e informaci\u00f3n sobre cualquier pr\u00e9stamo o contrato de arrendamiento vigente. Las personas casadas tambi\u00e9n necesitar\u00e1n la n\u00f3mina de su pareja. Best Finance le guiar\u00e1 durante todo el proceso de solicitud.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              \u00bfCu\u00e1l es el tipo de inter\u00e9s de un pr\u00e9stamo personal en Suiza?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              El tipo de inter\u00e9s m\u00e1ximo legal para pr\u00e9stamos personales en Suiza es del 9,951 TP3T (tipo de inter\u00e9s anual efectivo). Best Finance ofrece pr\u00e9stamos personales con tipos de inter\u00e9s anuales efectivos a partir del 4,91 TP3T, dependiendo de la solvencia, el plazo y el importe del pr\u00e9stamo. Una comparaci\u00f3n sin compromiso entre varios bancos asociados le garantiza el mejor tipo de inter\u00e9s.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              \u00bfPuedo consultar de forma an\u00f3nima cu\u00e1nto cr\u00e9dito puedo obtener?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              S\u00ed. Nuestra calculadora de presupuesto es completamente an\u00f3nima y no vinculante. No se realiza ninguna verificaci\u00f3n de cr\u00e9dito ni evaluaci\u00f3n crediticia. El resultado sirve como gu\u00eda inicial; para obtener una oferta vinculante, se requiere una solicitud de pr\u00e9stamo oficial con una verificaci\u00f3n de cr\u00e9dito completa.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              \u00bfCu\u00e1l es la diferencia entre una l\u00ednea de cr\u00e9dito y un l\u00edmite de cr\u00e9dito?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              El <strong>L\u00ednea de cr\u00e9dito<\/strong> Esto se refiere al importe m\u00e1ximo que podr\u00edas solicitar en funci\u00f3n de tu situaci\u00f3n financiera, calculado de acuerdo con la Ley suiza de cr\u00e9dito al consumo. <strong>L\u00edmite de cr\u00e9dito<\/strong> Este es el monto aprobado por el banco, el cual depende de su solvencia crediticia, su puntaje ZEK y otros factores. El l\u00edmite de cr\u00e9dito que se muestra en la calculadora de presupuesto es una estimaci\u00f3n; el l\u00edmite real puede variar.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              \u00bfQui\u00e9n es Best Finance y cu\u00e1nto tiempo lleva la empresa en el mercado?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              Best Finance GmbH es una intermediaria de pr\u00e9stamos suiza independiente con sede en Aarau (Bahnhofstrasse 67, 5000 Aarau) para la Suiza de habla alemana y en Lausana (Av. d&#039;Echallens 109, 1004 Lausana) para la Suiza de habla francesa. Operamos desde 2004, gestionando pr\u00e9stamos personales a trav\u00e9s de los principales bancos suizos asociados y ofreciendo a nuestros clientes asesoramiento personalizado en alem\u00e1n, franc\u00e9s, italiano y portugu\u00e9s. Nuestros servicios son gratuitos.\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        Gratis y sin compromiso\n      <\/div>\n      <h2 class=\"cta-h2\" id=\"bflp-cta-title\">\u00bfListo para tu pr\u00e9stamo?<\/h2>\n      <p class=\"cta-sub\">Solicita ahora una consulta gratuita: sin compromiso, con asesoramiento personalizado incluido, sin gastos de gesti\u00f3n y sin riesgos.<\/p>\n      <div class=\"cta-btns\">\n        <a href=\"https:\/\/www.bestfinance.ch\/es\/solicitud-credito-suica\/?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          Solicita un pr\u00e9stamo\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          Sin gastos de tramitaci\u00f3n\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          Bancos asociados regulados por FINMA\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          Consulta personal en alem\u00e1n\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>Aviso legal:<\/strong> La calculadora de presupuesto ofrece una estimaci\u00f3n no vinculante del l\u00edmite de cr\u00e9dito posible y no constituye una oferta de pr\u00e9stamo vinculante. Los resultados no sustituyen una verificaci\u00f3n de cr\u00e9dito individual realizada por un banco. El tipo de inter\u00e9s anual efectivo se sit\u00faa entre el 4,91 % y el 9,95 %, de acuerdo con el m\u00e1ximo legal (Art. 9 KKG). <strong>No se conceder\u00e1 cr\u00e9dito si ello conlleva un sobreendeudamiento.<\/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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