{"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":"2026-04-29T08:11:03","modified_gmt":"2026-04-29T06:11:03","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":"\t\t
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\n\t\t\t\t\t\r\n\r\n\r\n\r\n\r\nKredit Budget Rechner \u2013 Best Finance<\/title>\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Plus+Jakarta+Sans:wght@400;500;600;700;800&family=DM+Serif+Display:ital@0;1&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n\r\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\r\n RESET\r\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 *\/\r\n.bfh-root *,.bfh-root *::before,.bfh-root *::after{\r\n box-sizing:border-box;margin:0;padding:0;\r\n}\r\n\r\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\r\n CSS TOKENS\r\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 *\/\r\n.bfh-root{\r\n --navy: #1e3a5c;\r\n --navy-deep: #122540;\r\n --navy-light: #2a4f7a;\r\n --blue: #3b82f6;\r\n --blue-light: #60a5fa;\r\n --blue-pale: #eff6ff;\r\n --green: #10b981;\r\n --green-dark: #059669;\r\n --gray: #64748b;\r\n --gray-light: #f1f5f9;\r\n --gray-border:#e2e8f0;\r\n --white: #ffffff;\r\n --red: #ef4444;\r\n --red-bg: #fef2f2;\r\n --red-border: #fecaca;\r\n --radius: 12px;\r\n --radius-lg: 20px;\r\n --font: 'Plus Jakarta Sans', system-ui, sans-serif;\r\n --serif: 'DM Serif Display', Georgia, serif;\r\n font-family: var(--font);\r\n color: var(--navy);\r\n -webkit-font-smoothing: antialiased;\r\n}\r\n\r\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\r\n HERO WRAPPER\r\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 *\/\r\n.bfh-hero{\r\n background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 55%, var(--navy-light) 100%);\r\n position:relative;overflow:hidden;padding:56px 24px 72px;\r\n}\r\n.bfh-hero::before{\r\n content:'';position:absolute;inset:0;\r\n background-image:radial-gradient(rgba(255,255,255,.055) 1px, transparent 1px);\r\n background-size:30px 30px;pointer-events:none;\r\n}\r\n.bfh-hero::after{\r\n content:'';position:absolute;inset:0;\r\n background:\r\n radial-gradient(ellipse 70% 60% at 80% 40%, rgba(59,130,246,.18) 0%, transparent 65%),\r\n radial-gradient(ellipse 40% 50% at 5% 80%, rgba(245,158,11,.10) 0%, transparent 55%);\r\n pointer-events:none;\r\n}\r\n.bfh-wave{position:absolute;bottom:-1px;left:0;right:0;line-height:0;pointer-events:none;z-index:1;}\r\n.bfh-wave svg{display:block;width:100%;}\r\n.bfh-inner{\r\n position:relative;z-index:2;max-width:1180px;margin:0 auto;\r\n display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center;\r\n}\r\n\r\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\r\n LEFT \u2013 TEXT\r\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 *\/\r\n.bfh-badge{\r\n display:inline-flex;align-items:center;gap:8px;\r\n background:rgba(255,255,255,.11);border:1px solid rgba(255,255,255,.20);\r\n border-radius:100px;padding:6px 16px;font-size:12.5px;font-weight:600;\r\n color:rgba(255,255,255,.9);letter-spacing:.03em;margin-bottom:22px;\r\n backdrop-filter:blur(8px);\r\n}\r\n.bfh-badge .bfh-pulse{\r\n width:7px;height:7px;background:var(--green);border-radius:50%;flex-shrink:0;\r\n animation:bfhPulse 2s infinite;\r\n}\r\n@keyframes bfhPulse{0%,100%{opacity:1;transform:scale(1);}50%{opacity:.55;transform:scale(1.35);}}\r\n\r\n.bfh-h1{\r\n font-family:var(--serif);font-size:clamp(30px,3.8vw,50px);font-weight:400;\r\n color:var(--white);line-height:1.15;letter-spacing:-.015em;margin-bottom:18px;\r\n}\r\n.bfh-h1 em{font-style:italic;color:var(--blue-light);}\r\n\r\n.bfh-sub{\r\n font-size:16px;color:rgba(255,255,255,.72);line-height:1.65;\r\n margin-bottom:32px;max-width:420px;\r\n}\r\n.bfh-trust{display:flex;flex-direction:column;gap:11px;}\r\n.bfh-trust-item{display:flex;align-items:center;gap:10px;color:rgba(255,255,255,.82);font-size:14px;font-weight:500;}\r\n.bfh-trust-icon{\r\n width:20px;height:20px;flex-shrink:0;background:rgba(16,185,129,.18);\r\n border:1px solid rgba(16,185,129,.35);border-radius:50%;\r\n display:flex;align-items:center;justify-content:center;\r\n}\r\n.bfh-trust-icon svg{display:block;}\r\n.bfh-stats{\r\n display:flex;gap:0;margin-top:36px;border:1px solid rgba(255,255,255,.12);\r\n border-radius:var(--radius);overflow:hidden;backdrop-filter:blur(6px);\r\n background:rgba(255,255,255,.06);\r\n}\r\n.bfh-stat{flex:1;padding:14px 16px;text-align:center;border-right:1px solid rgba(255,255,255,.1);}\r\n.bfh-stat:last-child{border-right:none;}\r\n.bfh-stat-val{font-family:var(--serif);font-size:22px;color:var(--white);line-height:1;margin-bottom:3px;}\r\n.bfh-stat-lbl{font-size:11px;color:rgba(255,255,255,.5);line-height:1.35;}\r\n\r\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\r\n RIGHT \u2013 CARD\r\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 *\/\r\n.bfh-card{\r\n background:var(--white);border-radius:var(--radius-lg);\r\n box-shadow:0 20px 60px rgba(0,0,0,.22), 0 4px 16px rgba(0,0,0,.12);overflow:hidden;\r\n}\r\n.bfh-card-top{\r\n background:linear-gradient(135deg,var(--navy) 0%,var(--navy-light) 100%);\r\n padding:20px 28px 18px;display:flex;align-items:center;justify-content:space-between;gap:12px;\r\n}\r\n.bfh-card-top-title{font-family:var(--serif);font-size:19px;font-weight:400;color:var(--white);line-height:1.2;}\r\n.bfh-card-top-sub{font-size:12px;color:rgba(255,255,255,.6);margin-top:3px;}\r\n.bfh-card-top-icon{\r\n width:42px;height:42px;flex-shrink:0;background:rgba(255,255,255,.12);\r\n border-radius:10px;display:flex;align-items:center;justify-content:center;\r\n}\r\n\r\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\r\n BUDGET RECHNER \u2013 SCOPED CSS\r\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 *\/\r\n.bfh-root .bf-wrap{max-width:none;padding:28px 28px 32px;font-family:var(--font);color:var(--navy);}\r\n.bfh-root .bf-wrap *{box-sizing:border-box;}\r\n\r\n.bfh-root .bf-progress-wrap{margin-bottom:20px;}\r\n.bfh-root .bf-step-label{font-size:11.5px;font-weight:600;color:var(--gray);margin-bottom:7px;display:flex;justify-content:space-between;}\r\n.bfh-root .bf-step-label span{color:var(--navy);font-weight:700;}\r\n.bfh-root .bf-bar-bg{background:var(--gray-border);border-radius:99px;height:6px;overflow:hidden;}\r\n.bfh-root .bf-bar{height:100%;background:linear-gradient(90deg,var(--blue),var(--blue-light));border-radius:99px;transition:width .5s cubic-bezier(.4,0,.2,1);}\r\n.bfh-root .bf-steps-dots{display:flex;justify-content:center;gap:5px;margin-bottom:16px;}\r\n.bfh-root .bf-dot{width:7px;height:7px;border-radius:50%;background:var(--gray-border);transition:all .3s;}\r\n.bfh-root .bf-dot.done{background:var(--blue);}\r\n.bfh-root .bf-dot.active{background:var(--navy);width:22px;border-radius:4px;}\r\n\r\n.bfh-root .bf-step{display:none;}\r\n.bfh-root .bf-step.active{display:block;animation:bfhFadeUp .3s ease;}\r\n@keyframes bfhFadeUp{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}\r\n\r\n.bfh-root .bf-step-title{font-size:16px;font-weight:800;color:var(--navy);margin-bottom:3px;}\r\n.bfh-root .bf-step-desc{font-size:12.5px;color:var(--gray);line-height:1.55;margin-bottom:16px;padding-bottom:14px;border-bottom:1px solid var(--gray-border);}\r\n\r\n.bfh-root .bf-group{margin-bottom:13px;}\r\n.bfh-root .bf-row{display:grid;grid-template-columns:1fr 1fr;gap:10px;}\r\n.bfh-root .bf-row.cols3{grid-template-columns:1fr 1fr 1fr;}\r\n.bfh-root label.bf-label{display:block;font-size:11px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.5px;margin-bottom:5px;}\r\n.bfh-root label.bf-label .req{color:var(--blue);}\r\n.bfh-root .bf-input,\r\n.bfh-root .bf-select{\r\n width:100%;height:44px;border:1.5px solid var(--gray-border);border-radius:10px;\r\n padding:0 13px;font-family:var(--font);font-size:14px;font-weight:600;\r\n color:var(--navy);background:var(--white);outline:none;\r\n transition:border-color .15s,box-shadow .15s;-webkit-appearance:none;appearance:none;\r\n}\r\n.bfh-root .bf-select{\r\n background-image:url(\"data:image\/svg+xml,%3Csvg xmlns='http:\/\/www.w3.org\/2000\/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2364748b' stroke-width='2' fill='none' stroke-linecap='round'\/%3E%3C\/svg%3E\");\r\n background-repeat:no-repeat;background-position:right 12px center;padding-right:32px;cursor:pointer;\r\n}\r\n.bfh-root .bf-input:focus,\r\n.bfh-root .bf-select:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(59,130,246,.1);}\r\n.bfh-root .bf-input.readonly{background:var(--gray-light);color:var(--gray);cursor:default;pointer-events:none;user-select:none;}\r\n.bfh-root .bf-hint{font-size:11px;color:var(--gray);margin-top:4px;}\r\n.bfh-root .bf-kinder-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:8px;}\r\n\r\n\/* \u2500\u2500 Field error state \u2500\u2500 *\/\r\n.bfh-root .bf-input.error,\r\n.bfh-root .bf-select.error{\r\n border-color:var(--red) !important;\r\n background:var(--red-bg);\r\n box-shadow:0 0 0 3px rgba(239,68,68,.12);\r\n}\r\n\r\n\/* \u2500\u2500 Error box + shake animation \u2500\u2500 *\/\r\n.bfh-root .bf-error{\r\n background:var(--red-bg);\r\n border:1.5px solid var(--red-border);\r\n border-radius:8px;padding:9px 13px;\r\n font-size:12.5px;color:var(--red);\r\n font-weight:600;margin-top:12px;display:none;\r\n}\r\n@keyframes bfhShake{\r\n 0%,100%{transform:translateX(0);}\r\n 15%{transform:translateX(-5px);}\r\n 30%{transform:translateX(5px);}\r\n 45%{transform:translateX(-4px);}\r\n 60%{transform:translateX(4px);}\r\n 75%{transform:translateX(-2px);}\r\n 90%{transform:translateX(2px);}\r\n}\r\n.bfh-root .bf-error-shake{animation:bfhShake .4s ease;}\r\n\r\n.bfh-root .bf-toggle-row{display:flex;gap:5px;margin-top:5px;}\r\n.bfh-root .bf-toggle{\r\n height:32px;padding:0 14px;border:1.5px solid var(--gray-border);border-radius:7px;\r\n background:var(--white);font-family:var(--font);font-size:12.5px;font-weight:700;\r\n color:var(--gray);cursor:pointer;transition:all .15s;\r\n}\r\n.bfh-root .bf-toggle.active{background:var(--navy);border-color:var(--navy);color:var(--white);}\r\n.bfh-root .bf-jahresek{margin-top:6px;font-size:11.5px;color:var(--gray);}\r\n.bfh-root .bf-jahresek strong{color:var(--navy);}\r\n\r\n.bfh-root .bf-btn-row{display:flex;justify-content:space-between;align-items:center;margin-top:20px;gap:10px;}\r\n.bfh-root .bf-btn{display:inline-flex;align-items:center;gap:7px;height:48px;padding:0 22px;border-radius:10px;font-family:var(--font);font-size:14px;font-weight:700;cursor:pointer;border:none;transition:all .18s;white-space:nowrap;}\r\n.bfh-root .bf-btn-next{background:var(--navy);color:var(--white);flex:1;justify-content:center;box-shadow:0 4px 14px rgba(30,58,92,.25);}\r\n.bfh-root .bf-btn-next:hover{background:#152c47;transform:translateY(-1px);}\r\n.bfh-root .bf-btn-prev{background:var(--gray-light);color:var(--gray);border:1.5px solid var(--gray-border);padding:0 16px;flex-shrink:0;}\r\n.bfh-root .bf-btn-prev:hover{background:var(--gray-border);}\r\n.bfh-root .bf-btn-calc{background:linear-gradient(135deg,var(--green),var(--green-dark));color:var(--white);flex:1;justify-content:center;box-shadow:0 4px 18px rgba(16,185,129,.35);font-size:15px;}\r\n.bfh-root .bf-btn-calc:hover{transform:translateY(-2px);box-shadow:0 6px 22px rgba(16,185,129,.45);}\r\n\r\n.bfh-root .bf-info{display:inline-flex;align-items:center;justify-content:center;width:15px;height:15px;background:var(--blue);color:#fff;border-radius:50%;font-size:9.5px;font-weight:700;cursor:help;margin-left:4px;vertical-align:middle;position:relative;}\r\n.bfh-root .bf-info::after{content:attr(data-tip);position:absolute;bottom:calc(100% + 6px);left:50%;transform:translateX(-50%);background:#1e293b;color:#fff;font-size:11px;padding:6px 10px;border-radius:6px;opacity:0;pointer-events:none;transition:opacity .2s;z-index:99;max-width:210px;white-space:normal;text-align:left;line-height:1.4;font-weight:500;}\r\n.bfh-root .bf-info:hover::after{opacity:1;}\r\n\r\n.bfh-root .bf-dsgvo{background:var(--blue-pale);border:1.5px solid #bfdbfe;border-radius:10px;padding:12px 14px;font-size:12px;color:#1e40af;margin-top:4px;line-height:1.6;}\r\n\r\n.bfh-root .bf-result{display:none;animation:bfhFadeUp .5s ease;}\r\n.bfh-root .bf-result-card{background:var(--navy);border-radius:16px;padding:26px 22px;text-align:center;margin-bottom:16px;position:relative;overflow:hidden;}\r\n.bfh-root .bf-result-card::before{content:'';position:absolute;top:-40px;right:-40px;width:140px;height:140px;background:rgba(255,255,255,.05);border-radius:50%;}\r\n.bfh-root .bf-result-card::after{content:'';position:absolute;bottom:-50px;left:-25px;width:170px;height:170px;background:rgba(59,130,246,.1);border-radius:50%;}\r\n.bfh-root .bf-result-label{font-size:12px;font-weight:700;color:rgba(255,255,255,.6);text-transform:uppercase;letter-spacing:1px;margin-bottom:6px;}\r\n.bfh-root .bf-result-amount{font-size:clamp(34px,8vw,50px);font-weight:800;color:#34d399;letter-spacing:-2px;line-height:1;margin-bottom:4px;position:relative;z-index:1;}\r\n.bfh-root .bf-result-amount.negative{color:#fca5a5;}\r\n.bfh-root .bf-result-sub{font-size:11.5px;color:rgba(255,255,255,.5);margin-top:6px;}\r\n\r\n.bfh-root .bf-result-details{background:var(--gray-light);border-radius:var(--radius);padding:16px;margin-bottom:16px;}\r\n.bfh-root .bf-detail-row{display:flex;justify-content:space-between;align-items:center;padding:7px 0;border-bottom:1px solid var(--gray-border);font-size:12.5px;}\r\n.bfh-root .bf-detail-row:last-child{border-bottom:none;}\r\n.bfh-root .bf-detail-label{color:var(--gray);font-weight:500;}\r\n.bfh-root .bf-detail-val{font-weight:700;color:var(--navy);}\r\n.bfh-root .bf-detail-val.minus{color:var(--red);}\r\n.bfh-root .bf-detail-val.plus{color:var(--green);}\r\n\r\n.bfh-root .bf-hinweis-ok{background:#f0fdf4;border:1.5px solid #86efac;border-radius:10px;padding:14px 16px;margin-bottom:14px;}\r\n.bfh-root .bf-hinweis-nok{background:#fff7ed;border:1.5px solid #fdba74;border-radius:10px;padding:14px 16px;margin-bottom:14px;}\r\n\r\n\/* \u2500\u2500 Negative result tips \u2500\u2500 *\/\r\n.bfh-root .bf-nok-tips{\r\n margin-top:12px;display:flex;flex-direction:column;gap:7px;\r\n}\r\n.bfh-root .bf-nok-tip{\r\n display:flex;align-items:flex-start;gap:9px;\r\n background:rgba(255,255,255,.65);border-radius:8px;\r\n padding:9px 12px;font-size:12px;color:#7c2d12;line-height:1.55;\r\n}\r\n.bfh-root .bf-nok-tip-icon{\r\n flex-shrink:0;font-size:15px;line-height:1;\r\n}\r\n\r\n.bfh-root .bf-cta-btn{width:100%;height:52px;background:linear-gradient(135deg,var(--green),var(--green-dark));color:var(--white);border:none;border-radius:var(--radius);font-family:var(--font);font-size:15px;font-weight:700;cursor:pointer;text-decoration:none;display:flex;align-items:center;justify-content:center;gap:8px;box-shadow:0 4px 18px rgba(16,185,129,.38);transition:all .2s;margin-bottom:10px;}\r\n.bfh-root .bf-cta-btn:hover{transform:translateY(-2px);box-shadow:0 6px 24px rgba(16,185,129,.48);}\r\n.bfh-root .bf-restart{display:block;text-align:center;font-size:12.5px;color:var(--gray);cursor:pointer;text-decoration:underline;margin-top:6px;}\r\n\r\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\r\n RESPONSIVE\r\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 *\/\r\n@media(max-width:960px){\r\n .bfh-inner{grid-template-columns:1fr;gap:36px;}\r\n .bfh-left{text-align:center;}\r\n .bfh-sub{margin-left:auto;margin-right:auto;}\r\n .bfh-trust{align-items:center;}\r\n .bfh-stats{max-width:420px;margin:36px auto 0;}\r\n .bfh-card{max-width:560px;margin:0 auto;width:100%;}\r\n}\r\n@media(max-width:560px){\r\n .bfh-hero{padding:40px 16px 60px;}\r\n .bfh-h1{font-size:26px;}\r\n .bfh-sub{font-size:14.5px;}\r\n .bfh-stats{flex-wrap:wrap;}\r\n .bfh-stat{min-width:50%;}\r\n .bfh-card .bf-wrap{padding:20px 16px 24px;}\r\n .bfh-root .bf-row{grid-template-columns:1fr;}\r\n .bfh-root .bf-row.cols3{grid-template-columns:1fr 1fr;}\r\n .bfh-root .bf-kinder-grid{grid-template-columns:1fr;}\r\n .bfh-root .bf-btn-calc{font-size:13.5px;}\r\n}\r\n@media(max-width:360px){\r\n .bfh-root .bf-result-amount{font-size:30px;}\r\n}\r\n<\/style>\r\n<\/head>\r\n<body>\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 LEFT: TEXT \u2550\u2550 -->\r\n <div class=\"bfh-left\">\r\n <div class=\"bfh-badge\">\r\n <span class=\"bfh-pulse\"><\/span>\r\n Anonym & unverbindlich\r\n <\/div>\r\n <h1 class=\"bfh-h1\">\r\n Kredit Budget Rechner \u2013<br>\r\n <em>Wie viel Kredit<\/em><br>\r\n bekomme ich?\r\n <\/h1>\r\n <p class=\"bfh-sub\">\r\n Berechnen Sie Ihren pers\u00f6nlichen Kreditrahmen in wenigen Minuten \u2013 KKG-konform, ohne ZEK-Anfrage, kostenlos.\r\n <\/p>\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 RIGHT: CALCULATOR CARD \u2550\u2550 -->\r\n <div>\r\n <div class=\"bfh-card\">\r\n <div class=\"bfh-card-top\">\r\n <div>\r\n <div class=\"bfh-card-top-title\">Kreditrahmen berechnen<\/div>\r\n <div class=\"bfh-card-top-sub\">Schritt f\u00fcr Schritt \u2013 dauert ca. 2 Minuten<\/div>\r\n <\/div>\r\n <div class=\"bfh-card-top-icon\">\r\n <svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"rgba(255,255,255,.8)\" stroke-width=\"2\">\r\n <rect x=\"2\" y=\"3\" width=\"20\" height=\"18\" rx=\"2\"\/>\r\n <path d=\"M8 10h8M8 14h5\"\/><circle cx=\"17\" cy=\"14\" r=\"3\"\/>\r\n <\/svg>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"bf-wrap\" id=\"bfhWrap\">\r\n\r\n <!-- Progress -->\r\n <div class=\"bf-progress-wrap\" id=\"bfhProgressWrap\">\r\n <div class=\"bf-step-label\">\r\n <span id=\"bfhStepLbl\">Schritt 1 von 5<\/span>\r\n <span id=\"bfhPctLbl\">20%<\/span>\r\n <\/div>\r\n <div class=\"bf-bar-bg\"><div class=\"bf-bar\" id=\"bfhBar\" style=\"width:20%\"><\/div><\/div>\r\n <\/div>\r\n <div class=\"bf-steps-dots\" id=\"bfhDots\">\r\n <div class=\"bf-dot active\" id=\"bfhDot1\"><\/div>\r\n <div class=\"bf-dot\" id=\"bfhDot2\"><\/div>\r\n <div class=\"bf-dot\" id=\"bfhDot3\"><\/div>\r\n <div class=\"bf-dot\" id=\"bfhDot4\"><\/div>\r\n <div class=\"bf-dot\" id=\"bfhDot5\"><\/div>\r\n <\/div>\r\n\r\n <!-- \u2500\u2500 STEP 1 \u2500\u2500 -->\r\n <div class=\"bf-step active\" id=\"bfhS1\">\r\n <div class=\"bf-step-title\">Pers\u00f6nliche Daten<\/div>\r\n <div class=\"bf-step-desc\">Wir \u00fcberpr\u00fcfen Ihren finanziellen Spielraum \u2013 anonym & unverbindlich.<\/div>\r\n\r\n <div class=\"bf-row\">\r\n <div class=\"bf-group\">\r\n <label class=\"bf-label\">Geburtsjahr <span class=\"req\">*<\/span><\/label>\r\n <select class=\"bf-select\" id=\"bfhJahr\" onchange=\"bfhAutoFix('bfhJahr')\"><\/select>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"bf-row cols3\">\r\n <div class=\"bf-group\">\r\n <label class=\"bf-label\">Postleitzahl<\/label>\r\n <input class=\"bf-input\" id=\"bfhPlz\" type=\"text\" inputmode=\"numeric\" maxlength=\"4\" placeholder=\"z.B. 5000\"\r\n oninput=\"bfhAutoFix('bfhPlz');bfhPlzLookup()\">\r\n <\/div>\r\n <div class=\"bf-group\">\r\n <label class=\"bf-label\">Wohnort<\/label>\r\n <input class=\"bf-input readonly\" id=\"bfhOrt\" type=\"text\" placeholder=\"Aarau\" readonly>\r\n <\/div>\r\n <div class=\"bf-group\">\r\n <label class=\"bf-label\">Kanton <span class=\"req\">*<\/span><\/label>\r\n <select class=\"bf-select\" id=\"bfhKanton\" onchange=\"bfhFetchQST();bfhAutoFix('bfhKanton');\">\r\n <option value=\"\">\u2013 w\u00e4hlen \u2013<\/option>\r\n <option>AG<\/option><option>AI<\/option><option>AR<\/option>\r\n <option>BE<\/option><option>BL<\/option><option>BS<\/option>\r\n <option>FR<\/option><option>GE<\/option><option>GL<\/option>\r\n <option>GR<\/option><option>JU<\/option><option>LU<\/option>\r\n <option>NE<\/option><option>NW<\/option><option>OW<\/option>\r\n <option>SG<\/option><option>SH<\/option><option>SO<\/option>\r\n <option>SZ<\/option><option>TG<\/option><option>TI<\/option>\r\n <option>UR<\/option><option>VD<\/option><option>VS<\/option>\r\n <option>ZG<\/option><option>ZH<\/option>\r\n <\/select>\r\n <\/div>\r\n <\/div>\r\n <input type=\"hidden\" id=\"bfhSteuern\" value=\"10\">\r\n\r\n <div class=\"bf-row\">\r\n <div class=\"bf-group\">\r\n <label class=\"bf-label\">Zivilstand <span class=\"req\">*<\/span><\/label>\r\n <select class=\"bf-select\" id=\"bfhZivil\" onchange=\"bfhUpdateZivil();bfhAutoFix('bfhZivil')\">\r\n <option value=\"\">\u2013 bitte w\u00e4hlen \u2013<\/option>\r\n <option value=\"ledig\">Ledig<\/option>\r\n <option value=\"verheiratet\">Verheiratet<\/option>\r\n <option value=\"konkubinat\">Konkubinat<\/option>\r\n <option value=\"eingetragene_partnerschaft\">Eingetragene Partnerschaft<\/option>\r\n <option value=\"geschieden\">Geschieden<\/option>\r\n <option value=\"verwitwet\">Verwitwet<\/option>\r\n <\/select>\r\n <\/div>\r\n <div class=\"bf-group\">\r\n <label class=\"bf-label\">Wohnsituation <span class=\"req\">*<\/span><\/label>\r\n <select class=\"bf-select\" id=\"bfhWohnSit\" onchange=\"bfhFillS3();bfhAutoFix('bfhWohnSit')\">\r\n <option value=\"\">\u2013 bitte w\u00e4hlen \u2013<\/option>\r\n <option value=\"1200\">Allein<\/option>\r\n <option value=\"1100\">Allein mit Erwachsenen<\/option>\r\n <option value=\"1700\">Mit Partner\/in (Ehepaar)<\/option>\r\n <option value=\"1350\">Alleinerziehend<\/option>\r\n <option value=\"1250\">Alleinerziehend mit Erwachsenen<\/option>\r\n <\/select>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"bf-group\">\r\n <label class=\"bf-label\">Anzahl Kinder\r\n <span class=\"bf-info\" data-tip=\"Kinder bis 25 Jahre werden bei der Budgetberechnung ber\u00fccksichtigt.\">i<\/span>\r\n <\/label>\r\n <select class=\"bf-select\" id=\"bfhKinderAnz\" onchange=\"bfhUpdateKinder()\">\r\n <option value=\"0\">Keine Kinder<\/option>\r\n <option value=\"1\">1 Kind<\/option>\r\n <option value=\"2\">2 Kinder<\/option>\r\n <option value=\"3\">3 Kinder<\/option>\r\n <option value=\"4\">4 Kinder<\/option>\r\n <option value=\"5\">5 Kinder<\/option>\r\n <\/select>\r\n <\/div>\r\n <div class=\"bf-kinder-grid\" id=\"bfhKinderGrid\" style=\"display:none\"><\/div>\r\n\r\n <div class=\"bf-group\">\r\n <label class=\"bf-label\">Nationalit\u00e4t \/ Aufenthaltstitel <span class=\"req\">*<\/span><\/label>\r\n <select class=\"bf-select\" id=\"bfhNatio\" onchange=\"bfhAutoFix('bfhNatio')\">\r\n <option value=\"\">\u2013 bitte w\u00e4hlen \u2013<\/option>\r\n <option value=\"CH\">\ud83c\udde8\ud83c\udded Schweizer\/in (CH)<\/option>\r\n <option value=\"B\">Ausweis B \u2013 Aufenthaltsbewilligung<\/option>\r\n <option value=\"C\">Ausweis C \u2013 Niederlassungsbewilligung<\/option>\r\n <option value=\"G\">Ausweis G \u2013 Grenzg\u00e4nger\/in<\/option>\r\n <\/select>\r\n <\/div>\r\n\r\n <div class=\"bf-error\" id=\"bfhErr1\"><\/div>\r\n <div class=\"bf-btn-row\">\r\n <button class=\"bf-btn bf-btn-next\" onclick=\"bfhNext(1)\">\r\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>\r\n <\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- \u2500\u2500 STEP 2 \u2500\u2500 -->\r\n <div class=\"bf-step\" id=\"bfhS2\">\r\n <div class=\"bf-step-title\">Eink\u00fcnfte<\/div>\r\n <div class=\"bf-step-desc\">Ihr monatliches Nettoeinkommen nach allen Abz\u00fcgen.<\/div>\r\n\r\n <div class=\"bf-group\">\r\n <label class=\"bf-label\">Monatliches Nettoeinkommen\r\n <span class=\"bf-info\" data-tip=\"Ihr Lohn nach AHV, IV, ALV und Steuern.\">i<\/span>\r\n <span class=\"req\"> *<\/span>\r\n <\/label>\r\n <input class=\"bf-input\" id=\"bfhEk\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"z.B. 5000\"\r\n oninput=\"bfhCalcJ('bfhEk','bfhEkJ','bfhMt');bfhAutoFix('bfhEk')\">\r\n <div style=\"margin-top:7px\">\r\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>\r\n <div class=\"bf-toggle-row\">\r\n <button class=\"bf-toggle active\" id=\"bfhT12\" onclick=\"bfhSetMt(12)\">12<\/button>\r\n <button class=\"bf-toggle\" id=\"bfhT13\" onclick=\"bfhSetMt(13)\">13<\/button>\r\n <\/div>\r\n <\/div>\r\n <input type=\"hidden\" id=\"bfhMt\" value=\"12\">\r\n <div class=\"bf-jahresek\">J\u00e4hrliches Nettoeinkommen: <strong id=\"bfhEkJ\">\u2013<\/strong><\/div>\r\n <\/div>\r\n\r\n <div class=\"bf-row\">\r\n <div class=\"bf-group\">\r\n <label class=\"bf-label\">Nebenjob \/ Zusatz (CHF\/Mt.)<\/label>\r\n <input class=\"bf-input\" id=\"bfhZusatz\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\r\n <\/div>\r\n <div class=\"bf-group\">\r\n <label class=\"bf-label\">Andere Eink\u00fcnfte (Bonus etc.)<\/label>\r\n <input class=\"bf-input\" id=\"bfhAndere\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\r\n <div class=\"bf-hint\">J\u00e4hrlicher Betrag \u00f7 12<\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"bf-group\" id=\"bfhGrpPartner\" style=\"display:none\">\r\n <label class=\"bf-label\">Nettoeinkommen Partner\/in (CHF\/Mt.)<\/label>\r\n <input class=\"bf-input\" id=\"bfhEkP\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\"\r\n oninput=\"bfhCalcJ('bfhEkP','bfhEkPJ','bfhMtP')\">\r\n <div style=\"margin-top:7px\">\r\n <div class=\"bf-toggle-row\">\r\n <button class=\"bf-toggle active\" id=\"bfhTP12\" onclick=\"bfhSetMtP(12)\">12<\/button>\r\n <button class=\"bf-toggle\" id=\"bfhTP13\" onclick=\"bfhSetMtP(13)\">13<\/button>\r\n <\/div>\r\n <\/div>\r\n <input type=\"hidden\" id=\"bfhMtP\" value=\"12\">\r\n <div class=\"bf-jahresek\">J\u00e4hrliches Nettoeinkommen: <strong id=\"bfhEkPJ\">\u2013<\/strong><\/div>\r\n <\/div>\r\n\r\n <div class=\"bf-error\" id=\"bfhErr2\"><\/div>\r\n <div class=\"bf-btn-row\">\r\n <button class=\"bf-btn bf-btn-prev\" onclick=\"bfhPrev(2)\">\u2190 Zur\u00fcck<\/button>\r\n <button class=\"bf-btn bf-btn-next\" onclick=\"bfhNext(2)\">\r\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>\r\n <\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- \u2500\u2500 STEP 3 \u2500\u2500 -->\r\n <div class=\"bf-step\" id=\"bfhS3\">\r\n <div class=\"bf-step-title\">Ausgaben pro Monat<\/div>\r\n <div class=\"bf-step-desc\">Grundbedarf und Kinderkosten werden automatisch berechnet.<\/div>\r\n\r\n <div class=\"bf-row\">\r\n <div class=\"bf-group\">\r\n <label class=\"bf-label\">Grundbedarf (pauschal)\r\n <span class=\"bf-info\" data-tip=\"Gesetzlicher Pauschalbetrag gem\u00e4ss KKG.\">i<\/span>\r\n <\/label>\r\n <input class=\"bf-input readonly\" id=\"bfhGrundbedarf\" type=\"text\" readonly tabindex=\"-1\">\r\n <\/div>\r\n <div class=\"bf-group\" id=\"bfhGrpKinderK\">\r\n <label class=\"bf-label\">Kinderkosten (pauschal)\r\n <span class=\"bf-info\" data-tip=\"\u226410 Jahre: CHF 400\/Mt. | 11\u201325 Jahre: CHF 600\/Mt.\">i<\/span>\r\n <\/label>\r\n <input class=\"bf-input readonly\" id=\"bfhKinderK\" type=\"text\" readonly>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"bf-group\">\r\n <label class=\"bf-label\">Miete \/ Hypothek \u2013 Ihr Anteil (CHF\/Mt.)<\/label>\r\n <input class=\"bf-input\" id=\"bfhMiete\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"z.B. 1200\"\r\n oninput=\"bfhAutoFix('bfhMiete')\">\r\n <\/div>\r\n\r\n <div class=\"bf-group\">\r\n <label class=\"bf-label\">Krankenkassenpr\u00e4mie gesamt (CHF\/Mt.) <span class=\"req\">*<\/span>\r\n <span class=\"bf-info\" data-tip=\"Gesamtbetrag f\u00fcr alle Haushaltsmitglieder.\">i<\/span>\r\n <\/label>\r\n <input class=\"bf-input\" id=\"bfhKK\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"z.B. 450\"\r\n oninput=\"bfhAutoFix('bfhKK')\">\r\n <\/div>\r\n\r\n <div class=\"bf-group\">\r\n <label class=\"bf-label\">Transportmittel Arbeitsplatz<\/label>\r\n <select class=\"bf-select\" id=\"bfhTransport\">\r\n <option value=\"0\">Zu Fuss (CHF 0\/Mt.)<\/option>\r\n <option value=\"50\">Velo (CHF 50\/Mt.)<\/option>\r\n <option value=\"100\">Motorrad (CHF 100\/Mt.)<\/option>\r\n <option value=\"190\">\u00d6ffentliche Verkehrsmittel (CHF 190\/Mt.)<\/option>\r\n <option value=\"190\" selected>Auto (CHF 190\/Mt.)<\/option>\r\n <option value=\"0\">Gesch\u00e4ftsauto (CHF 0\/Mt.)<\/option>\r\n <\/select>\r\n <\/div>\r\n\r\n <div class=\"bf-row\">\r\n <div class=\"bf-group\">\r\n <label class=\"bf-label\">Verpflegung (CHF\/Mt.)\r\n <span class=\"bf-info\" data-tip=\"Arbeitsbedingte Verpflegungskosten.\">i<\/span>\r\n <\/label>\r\n <input class=\"bf-input\" id=\"bfhVerpfl\" type=\"number\" inputmode=\"decimal\" min=\"0\" value=\"100\">\r\n <\/div>\r\n <div class=\"bf-group\">\r\n <label class=\"bf-label\">Weitere Ausgaben (CHF\/Mt.)\r\n <span class=\"bf-info\" data-tip=\"Leasing, Kreditkarten, Kinderbetreuung etc.\">i<\/span>\r\n <\/label>\r\n <input class=\"bf-input\" id=\"bfhWeitere\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"bf-error\" id=\"bfhErr3\"><\/div>\r\n <div class=\"bf-btn-row\">\r\n <button class=\"bf-btn bf-btn-prev\" onclick=\"bfhPrev(3)\">\u2190 Zur\u00fcck<\/button>\r\n <button class=\"bf-btn bf-btn-next\" onclick=\"bfhNext(3)\">\r\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>\r\n <\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- \u2500\u2500 STEP 4 \u2500\u2500 -->\r\n <div class=\"bf-step\" id=\"bfhS4\">\r\n <div class=\"bf-step-title\">Weitere Angaben<\/div>\r\n <div class=\"bf-step-desc\">Fast fertig \u2014 noch ein paar letzte Details.<\/div>\r\n\r\n <div class=\"bf-group\" id=\"bfhGrpAlimente\" style=\"display:none\">\r\n <label class=\"bf-label\">Alimente (CHF\/Mt.)<\/label>\r\n <input class=\"bf-input\" id=\"bfhAlimente\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\r\n <\/div>\r\n\r\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;\">\r\n <strong style=\"color:var(--navy);\">\u2139 Hinweis:<\/strong><br>\r\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.\r\n <\/div>\r\n\r\n <div class=\"bf-error\" id=\"bfhErr4\" style=\"display:none\"><\/div>\r\n <div class=\"bf-btn-row\">\r\n <button class=\"bf-btn bf-btn-prev\" onclick=\"bfhPrev(4)\">\u2190 Zur\u00fcck<\/button>\r\n <button class=\"bf-btn bf-btn-next\" onclick=\"bfhNext(4)\">\r\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>\r\n <\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- \u2500\u2500 STEP 5 \u2500\u2500 -->\r\n <div class=\"bf-step\" id=\"bfhS5\">\r\n <div class=\"bf-step-title\">Fast geschafft!<\/div>\r\n <div class=\"bf-step-desc\">Geben Sie Ihre Kontaktdaten ein, um Ihren Kreditrahmen zu erhalten.<\/div>\r\n\r\n <div class=\"bf-row\">\r\n <div class=\"bf-group\">\r\n <label class=\"bf-label\">Vorname <span class=\"req\">*<\/span><\/label>\r\n <input class=\"bf-input\" id=\"bfhVorname\" type=\"text\" placeholder=\"Max\" oninput=\"bfhAutoFix('bfhVorname')\">\r\n <\/div>\r\n <div class=\"bf-group\">\r\n <label class=\"bf-label\">Name <span class=\"req\">*<\/span><\/label>\r\n <input class=\"bf-input\" id=\"bfhName\" type=\"text\" placeholder=\"Mustermann\" oninput=\"bfhAutoFix('bfhName')\">\r\n <\/div>\r\n <\/div>\r\n <div class=\"bf-group\">\r\n <label class=\"bf-label\">E-Mail-Adresse <span class=\"req\">*<\/span><\/label>\r\n <input class=\"bf-input\" id=\"bfhEmail\" type=\"email\" placeholder=\"max.mustermann@beispiel.ch\" oninput=\"bfhAutoFix('bfhEmail')\">\r\n <\/div>\r\n <div class=\"bf-dsgvo\">\r\n \ud83d\udd12 Ihre Daten werden vertraulich behandelt und nicht an Dritte weitergegeben. Die Berechnung ist unverbindlich.\r\n <\/div>\r\n\r\n <div class=\"bf-error\" id=\"bfhErr5\"><\/div>\r\n <div class=\"bf-btn-row\">\r\n <button class=\"bf-btn bf-btn-prev\" onclick=\"bfhPrev(5)\">\u2190 Zur\u00fcck<\/button>\r\n <button class=\"bf-btn bf-btn-calc\" onclick=\"bfhCalculate()\">\r\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>\r\n Kreditrahmen berechnen\r\n <\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- \u2500\u2500 RESULT \u2500\u2500 -->\r\n <div class=\"bf-result\" id=\"bfhResult\">\r\n <div class=\"bf-result-card\">\r\n <div class=\"bf-result-label\">Ihr Finanzierungsspielraum<\/div>\r\n <div class=\"bf-result-amount\" id=\"bfhResBetrag\">\u2013<\/div>\r\n <div class=\"bf-result-sub\" id=\"bfhResSub\"><\/div>\r\n <\/div>\r\n <div class=\"bf-result-details\">\r\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>\r\n <div class=\"bf-detail-row\">\r\n <span class=\"bf-detail-label\">Total Einnahmen<\/span>\r\n <span class=\"bf-detail-val plus\" id=\"bfhResEin\">\u2013<\/span>\r\n <\/div>\r\n <div class=\"bf-detail-row\">\r\n <span class=\"bf-detail-label\">Grundbedarf & Kosten<\/span>\r\n <span class=\"bf-detail-val minus\" id=\"bfhResAus\">\u2013<\/span>\r\n <\/div>\r\n <div class=\"bf-detail-row\">\r\n <span class=\"bf-detail-label\">Steuern (Quellensteuer)<\/span>\r\n <span class=\"bf-detail-val minus\" id=\"bfhResSteu\">\u2013<\/span>\r\n <\/div>\r\n <div class=\"bf-detail-row\" style=\"border-top:2px solid var(--navy);margin-top:4px;padding-top:10px\">\r\n <span class=\"bf-detail-label\" style=\"font-weight:700;color:var(--navy)\">Freies Budget \/ Monat<\/span>\r\n <span class=\"bf-detail-val\" id=\"bfhResBudget\" style=\"font-size:14px\">\u2013<\/span>\r\n <\/div>\r\n <\/div>\r\n <div class=\"bf-hinweis-ok\" id=\"bfhHinweisOk\" style=\"display:none\">\r\n <div style=\"font-size:12.5px;font-weight:700;color:#166534;margin-bottom:5px\">Das sieht gut aus. \u2713<\/div>\r\n <div style=\"font-size:12.5px;color:#15803d;line-height:1.6\">\r\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.\r\n <\/div>\r\n <\/div>\r\n <div class=\"bf-hinweis-nok\" id=\"bfhHinweisNok\" style=\"display:none\">\r\n <div style=\"font-size:12.5px;font-weight:700;color:#9a3412;margin-bottom:5px\">Budget nicht ausreichend f\u00fcr eine Kreditvergabe.<\/div>\r\n <div style=\"font-size:12.5px;color:#c2410c;line-height:1.6;margin-bottom:8px\">\r\n Basierend auf Ihren Angaben reicht das freie Budget aktuell nicht f\u00fcr einen Kredit. Das sch\u00fctzt Sie vor \u00dcberschuldung (KKG).\r\n <\/div>\r\n <!-- Tipps f\u00fcr negatives Ergebnis -->\r\n <div class=\"bf-nok-tips\">\r\n <div class=\"bf-nok-tip\">\r\n <span class=\"bf-nok-tip-icon\">\ud83d\udc65<\/span>\r\n <div><strong>Partner\/in hinzuf\u00fcgen:<\/strong> Wenn Ihr\/e Partner\/in ebenfalls ein Einkommen hat, k\u00f6nnen beide Einkommen bei einer gemeinsamen Anfrage ber\u00fccksichtigt werden.<\/div>\r\n <\/div>\r\n <div class=\"bf-nok-tip\">\r\n <span class=\"bf-nok-tip-icon\">\ud83d\udcc9<\/span>\r\n <div><strong>Laufzeit verl\u00e4ngern:<\/strong> Eine l\u00e4ngere Kreditlaufzeit (z.B. 84 Mt.) senkt die monatliche Rate und kann den Kreditrahmen erh\u00f6hen.<\/div>\r\n <\/div>\r\n <div class=\"bf-nok-tip\">\r\n <span class=\"bf-nok-tip-icon\">\ud83d\udcac<\/span>\r\n <div><strong>Pers\u00f6nliche Beratung:<\/strong> Unsere Experten finden individuell L\u00f6sungen \u2013 oft gibt es Spielraum, den der Rechner nicht kennt.<\/div>\r\n <\/div>\r\n <\/div>\r\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;\">\r\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.\r\n <\/div>\r\n <\/div>\r\n <a href=\"#\" id=\"bfhCtaLink\" class=\"bf-cta-btn\">\r\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>\r\n In 2 Minuten zur Anfrage \u2013 jetzt starten!\r\n <\/a>\r\n <div style=\"text-align:center;font-size:11px;color:var(--gray);margin-bottom:12px\">\r\n Kostenlos & unverbindlich \u00b7 Keine ZEK-Anfrage\r\n <\/div>\r\n <span class=\"bf-restart\" onclick=\"bfhRestart()\">\ud83d\udd04 Neue Berechnung starten<\/span>\r\n <\/div>\r\n\r\n <\/div><!-- \/bf-wrap -->\r\n <\/div><!-- \/bfh-card -->\r\n <\/div>\r\n <\/div><!-- \/bfh-inner -->\r\n<\/section>\r\n<\/div><!-- \/bfh-root -->\r\n\r\n<script>\r\n(function(){\r\n'use strict';\r\nconst CY=new Date().getFullYear(), TOTAL=5;\r\nlet bfhStep=1;\r\n\r\n\/* \u2500\u2500 Helpers \u2500\u2500 *\/\r\nfunction gv(id){const e=document.getElementById(id);return e?e.value.trim():'';}\r\nfunction gn(id){return parseFloat(gv(id))||0;}\r\nfunction ge(id){return document.getElementById(id);}\r\nfunction chf(v){return isFinite(v)?Number(v).toLocaleString('de-CH',{style:'currency',currency:'CHF',maximumFractionDigits:0}):'\u2013';}\r\n\r\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\r\n ERROR HANDLING \u2013 setFieldError \/ clearFieldError \/ bfhAutoFix\r\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 *\/\r\n\r\n\/**\r\n * Mark a field as invalid (red border) AND show the error box with a shake.\r\n * @param {string|string[]} fieldIds \u2013 one or multiple field IDs\r\n * @param {string} stepErrId \u2013 the .bf-error box ID (e.g. 'bfhErr1')\r\n * @param {string} message \u2013 specific error text\r\n *\/\r\nfunction setFieldError(fieldIds, stepErrId, message){\r\n const ids = Array.isArray(fieldIds) ? fieldIds : [fieldIds];\r\n ids.forEach(function(id){\r\n const el = ge(id);\r\n if(el) el.classList.add('error');\r\n });\r\n const box = ge(stepErrId);\r\n if(!box) return;\r\n box.textContent = message;\r\n box.style.display = 'block';\r\n \/\/ restart shake animation\r\n box.classList.remove('bf-error-shake');\r\n void box.offsetWidth; \/\/ force reflow\r\n box.classList.add('bf-error-shake');\r\n}\r\n\r\n\/**\r\n * Remove error state from a single field.\r\n * If no other fields in this step still have .error, also hide the error box.\r\n * Called automatically on oninput \/ onchange via bfhAutoFix.\r\n *\/\r\nfunction clearFieldError(fieldId, stepErrId){\r\n const el = ge(fieldId);\r\n if(el) el.classList.remove('error');\r\n \/\/ Only hide box when no remaining error fields are visible in same step\r\n const box = ge(stepErrId);\r\n if(!box) return;\r\n const stepEl = box.closest('.bf-step');\r\n if(!stepEl) { box.style.display='none'; return; }\r\n const remaining = stepEl.querySelectorAll('.bf-input.error, .bf-select.error');\r\n if(!remaining.length) box.style.display='none';\r\n}\r\n\r\n\/**\r\n * Convenience: auto-detect which step error box belongs to a field and clear it.\r\n * Wired to oninput \/ onchange on all inputs.\r\n *\/\r\nwindow.bfhAutoFix = function(fieldId){\r\n const el = ge(fieldId);\r\n if(!el || !el.classList.contains('error')) return;\r\n const step = el.closest('.bf-step');\r\n if(!step) return;\r\n const box = step.querySelector('.bf-error');\r\n if(box) clearFieldError(fieldId, box.id);\r\n};\r\n\r\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\r\n PLZ \u2192 Ort + Kanton (via WordPress REST API)\r\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 *\/\r\nlet _plzTimer=null;\r\nwindow.bfhPlzLookup=function(){\r\n const plz=ge('bfhPlz').value.trim();\r\n (function resetOrtToInput(){\r\n const el=document.getElementById('bfhOrt');\r\n if(!el)return;\r\n if(el.tagName==='SELECT'){\r\n const inp=document.createElement('input');\r\n inp.type='text';inp.id='bfhOrt';inp.className='bf-input readonly';\r\n inp.placeholder='Aarau';inp.readOnly=true;inp.value='';\r\n el.parentNode.replaceChild(inp,el);\r\n }else{\r\n el.value='';\r\n }\r\n })();\r\n if(!\/^\\d{4}$\/.test(plz))return;\r\n clearTimeout(_plzTimer);\r\n _plzTimer=setTimeout(function(){\r\n fetch('\/wp-json\/bestfinance\/v1\/gemeinden?plz='+encodeURIComponent(plz),{\r\n credentials:'same-origin',headers:{'Accept':'application\/json'}\r\n })\r\n .then(function(r){if(!r.ok)throw new Error();return r.json();})\r\n .then(function(arr){\r\n if(!Array.isArray(arr)||!arr.length)return;\r\n const items=arr.map(function(d){\r\n return typeof d==='string'?{ort:d,kanton:''}:{ort:d.ort||'',kanton:d.kanton||''};\r\n }).filter(function(d){return d.ort;});\r\n if(!items.length)return;\r\n const ortEl=ge('bfhOrt');\r\n function setKanton(kanton){\r\n if(!kanton)return;\r\n const kt=ge('bfhKanton');\r\n for(let i=0;i<kt.options.length;i++){\r\n if(kt.options[i].value===kanton||kt.options[i].text===kanton){\r\n kt.selectedIndex=i;bfhFetchQST();bfhAutoFix('bfhKanton');break;\r\n }\r\n }\r\n }\r\n if(items.length===1){\r\n ortEl.value=items[0].ort;\r\n setKanton(items[0].kanton);\r\n }else{\r\n const sel=document.createElement('select');\r\n sel.id=ortEl.id;\r\n sel.className=ortEl.className.replace('readonly','').trim();\r\n sel.style.cssText=ortEl.style.cssText;\r\n const ph=document.createElement('option');\r\n ph.value='';ph.textContent='\u2013 Bitte w\u00e4hlen \u2013';ph.disabled=true;ph.selected=true;\r\n sel.appendChild(ph);\r\n items.forEach(function(item){\r\n const opt=document.createElement('option');\r\n opt.value=item.ort;\r\n opt.dataset.kanton=item.kanton||'';\r\n opt.textContent=item.kanton?item.ort+' ('+item.kanton+')':item.ort;\r\n sel.appendChild(opt);\r\n });\r\n sel.addEventListener('change',function(){\r\n const chosen=this.options[this.selectedIndex];\r\n if(chosen)setKanton(chosen.dataset.kanton||'');\r\n });\r\n ortEl.parentNode.replaceChild(sel,ortEl);\r\n }\r\n })\r\n .catch(function(){});\r\n },300);\r\n};\r\n\r\n\/* \u2500\u2500 Geburtsjahr \u2500\u2500 *\/\r\n(function(){\r\n const s=ge('bfhJahr');\r\n const ph=document.createElement('option');ph.value='';ph.textContent='Geburtsjahr';s.appendChild(ph);\r\n for(let y=CY-18;y>=CY-69;y--){const o=document.createElement('option');o.value=y;o.textContent=y;s.appendChild(o);}\r\n})();\r\n\r\n\/* \u2500\u2500 Navigation \u2500\u2500 *\/\r\nfunction goTo(n){\r\n ge('bfhS'+bfhStep).classList.remove('active');\r\n bfhStep=n;ge('bfhS'+n).classList.add('active');\r\n const pct=Math.round((n\/TOTAL)*100);\r\n ge('bfhBar').style.width=pct+'%';\r\n ge('bfhStepLbl').textContent='Schritt '+n+' von '+TOTAL;\r\n ge('bfhPctLbl').textContent=pct+'%';\r\n for(let i=1;i<=TOTAL;i++){ge('bfhDot'+i).className='bf-dot'+(i<n?' done':i===n?' active':'');}\r\n ge('bfhWrap').scrollIntoView({behavior:'smooth',block:'nearest'});\r\n}\r\nwindow.bfhNext=function(f){if(!bfhValidate(f))return;bfhFillS3();goTo(f+1);};\r\nwindow.bfhPrev=function(f){goTo(f-1);};\r\n\r\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\r\n VALIDATION \u2013 specific per-field errors\r\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 *\/\r\nfunction bfhValidate(s){\r\n \/\/ clear all error fields in this step first\r\n const stepEl = ge('bfhS'+s);\r\n if(stepEl){\r\n stepEl.querySelectorAll('.bf-input.error,.bf-select.error').forEach(function(el){\r\n el.classList.remove('error');\r\n });\r\n }\r\n const errId = 'bfhErr'+s;\r\n const err = ge(errId);\r\n if(err) err.style.display='none';\r\n\r\n if(s===1){\r\n if(!gv('bfhJahr')){\r\n setFieldError('bfhJahr', errId, 'Bitte w\u00e4hlen Sie Ihr Geburtsjahr aus.');\r\n return false;\r\n }\r\n const age=CY-(parseInt(gv('bfhJahr'))||0);\r\n if(age<18){\r\n setFieldError('bfhJahr', errId, 'Sie m\u00fcssen mindestens 18 Jahre alt sein.');\r\n return false;\r\n }\r\n if(age>69){\r\n setFieldError('bfhJahr', errId, 'Das maximale Alter f\u00fcr eine Kreditvergabe betr\u00e4gt 69 Jahre.');\r\n return false;\r\n }\r\n if(!gv('bfhKanton')){\r\n setFieldError('bfhKanton', errId, 'Bitte w\u00e4hlen Sie Ihren Kanton aus.');\r\n return false;\r\n }\r\n if(!gv('bfhZivil')){\r\n setFieldError('bfhZivil', errId, 'Bitte w\u00e4hlen Sie Ihren Zivilstand aus.');\r\n return false;\r\n }\r\n if(!gv('bfhWohnSit')){\r\n setFieldError('bfhWohnSit', errId, 'Bitte w\u00e4hlen Sie Ihre Wohnsituation aus.');\r\n return false;\r\n }\r\n if(!gv('bfhNatio')){\r\n setFieldError('bfhNatio', errId, 'Bitte w\u00e4hlen Sie Ihre Nationalit\u00e4t \/ Ihren Aufenthaltstitel aus.');\r\n return false;\r\n }\r\n const anz=parseInt(gv('bfhKinderAnz'))||0;\r\n for(let i=1;i<=anz;i++){\r\n if(!gv('bfhKj'+i)){\r\n setFieldError('bfhKj'+i, errId, 'Bitte geben Sie das Geburtsjahr von Kind '+i+' an.');\r\n return false;\r\n }\r\n }\r\n }\r\n\r\n if(s===2){\r\n if(!gn('bfhEk')){\r\n setFieldError('bfhEk', errId, 'Bitte geben Sie Ihr monatliches Nettoeinkommen ein (mind. CHF 1).');\r\n return false;\r\n }\r\n }\r\n\r\n if(s===3){\r\n if(!gn('bfhKK')){\r\n setFieldError('bfhKK', errId, 'Bitte geben Sie die Krankenkassenpr\u00e4mie ein.');\r\n return false;\r\n }\r\n const m=gn('bfhMiete');\r\n if(m>0&&m<300){\r\n setFieldError('bfhMiete', errId, 'Die Miete muss mindestens CHF 300 betragen oder leer gelassen werden.');\r\n return false;\r\n }\r\n }\r\n\r\n if(s===5){\r\n if(!gv('bfhVorname')){\r\n setFieldError('bfhVorname', errId, 'Bitte geben Sie Ihren Vornamen ein.');\r\n return false;\r\n }\r\n if(!gv('bfhName')){\r\n setFieldError('bfhName', errId, 'Bitte geben Sie Ihren Nachnamen ein.');\r\n return false;\r\n }\r\n if(!\/^[^\\s@]+@[^\\s@]+\\.[^\\s@]+$\/.test(gv('bfhEmail'))){\r\n setFieldError('bfhEmail', errId, 'Bitte geben Sie eine g\u00fcltige E-Mail-Adresse ein.');\r\n return false;\r\n }\r\n }\r\n return true;\r\n}\r\n\r\n\/* \u2500\u2500 Alimente \u2500\u2500 *\/\r\nfunction bfhUpdateAlimente(){\r\n const z=gv('bfhZivil'),anz=parseInt(gv('bfhKinderAnz'))||0;\r\n ge('bfhGrpAlimente').style.display=(anz>0||['geschieden','verwitwet'].includes(z))?'block':'none';\r\n}\r\n\r\n\/* \u2500\u2500 Zivilstand \/ Kinder \u2500\u2500 *\/\r\nwindow.bfhUpdateZivil=function(){\r\n ge('bfhGrpPartner').style.display=\r\n ['verheiratet','konkubinat','eingetragene_partnerschaft'].includes(gv('bfhZivil'))?'block':'none';\r\n bfhUpdateAlimente();\r\n};\r\nwindow.bfhUpdateKinder=function(){\r\n const anz=parseInt(gv('bfhKinderAnz'))||0,grid=ge('bfhKinderGrid');\r\n grid.innerHTML='';\r\n if(!anz){grid.style.display='none';bfhUpdateAlimente();return;}\r\n grid.style.display='grid';\r\n for(let i=1;i<=anz;i++){\r\n const d=document.createElement('div');d.className='bf-group';\r\n const l=document.createElement('label');l.className='bf-label';\r\n l.innerHTML='Kind '+i+' \u2013 Geburtsjahr <span class=\"req\">*<\/span>';\r\n const sel=document.createElement('select');sel.className='bf-select';sel.id='bfhKj'+i;\r\n sel.addEventListener('change',function(){bfhAutoFix('bfhKj'+i);});\r\n const ph=document.createElement('option');ph.value='';ph.textContent='Geburtsjahr';sel.appendChild(ph);\r\n for(let y=CY;y>=CY-25;y--){const o=document.createElement('option');o.value=y;o.textContent=y;sel.appendChild(o);}\r\n d.appendChild(l);d.appendChild(sel);grid.appendChild(d);\r\n }\r\n bfhUpdateAlimente();bfhFillS3();\r\n};\r\n\r\n\/* \u2500\u2500 Einkommen \u2500\u2500 *\/\r\nwindow.bfhCalcJ=function(eid,jid,mid){const v=gn(eid),m=parseInt(gv(mid))||12;ge(jid).textContent=v?chf(v*m):'\u2013';};\r\nwindow.bfhSetMt=function(n){ge('bfhMt').value=n;ge('bfhT12').classList.toggle('active',n===12);ge('bfhT13').classList.toggle('active',n===13);bfhCalcJ('bfhEk','bfhEkJ','bfhMt');};\r\nwindow.bfhSetMtP=function(n){ge('bfhMtP').value=n;ge('bfhTP12').classList.toggle('active',n===12);ge('bfhTP13').classList.toggle('active',n===13);bfhCalcJ('bfhEkP','bfhEkPJ','bfhMtP');};\r\n\r\n\/* \u2500\u2500 Kinderkosten \u2500\u2500 *\/\r\nfunction bfhKinderKosten(){\r\n const anz=parseInt(gv('bfhKinderAnz'))||0;let t=0;\r\n for(let i=1;i<=anz;i++){const jg=parseInt(gv('bfhKj'+i))||0;if(!jg)continue;const a=CY-jg;if(a<0||a>25)continue;t+=a<=10?400:600;}\r\n return t;\r\n}\r\nwindow.bfhFillS3=function(){\r\n const gb=parseFloat(gv('bfhWohnSit'))||0;\r\n ge('bfhGrundbedarf').value=gb?'CHF '+gb.toLocaleString('de-CH'):'\u2013';\r\n ge('bfhKinderK').value='CHF '+bfhKinderKosten().toLocaleString('de-CH');\r\n ge('bfhGrpKinderK').style.display=parseInt(gv('bfhKinderAnz'))>0?'block':'none';\r\n};\r\n\r\n\/* \u2500\u2500 QST (Quellensteuer) \u2500\u2500 *\/\r\nlet _qt=null;\r\nwindow.bfhFetchQST=function(){\r\n const kt=gv('bfhKanton');if(!kt)return;\r\n const zs=gv('bfhZivil'),anz=parseInt(gv('bfhKinderAnz'))||0;\r\n let km=0;for(let i=1;i<=anz;i++){const jg=parseInt(gv('bfhKj'+i))||0;const a=CY-jg;if(a>=0&&a<=25)km++;}\r\n const ekP=gn('bfhEkP');let code=null;\r\n if(['ledig','geschieden','verwitwet'].includes(zs))code=km>0?'H':'A';\r\n else if(zs==='verheiratet')code=(!ekP||ekP===0)?'B':'C';\r\n else if(['konkubinat','eingetragene_partnerschaft'].includes(zs))code=km>0?'H':'A';\r\n if(!code)return;\r\n const qc=code+Math.min(km,9)+'N';\r\n const tEK=(gn('bfhEk')+gn('bfhZusatz')+(gn('bfhAndere')\/12)+gn('bfhEkP'))\/0.88;\r\n clearTimeout(_qt);\r\n _qt=setTimeout(async function(){\r\n try{\r\n const r=await fetch('https:\/\/www.bestfinance.ch\/wp-content\/BudgetBf\/qstjson\/qst_'+kt+'.json',{cache:'no-store'});\r\n if(!r.ok)return;\r\n const data=await r.json();\r\n const f=data.filter(d=>d.kanton===kt&&d.code_medianwert===qc);\r\n if(!f.length)return;\r\n let best=null;\r\n for(const d of f){if(tEK>=d.steuerbares_einkommen_ab){if(!best||d.steuerbares_einkommen_ab>best.steuerbares_einkommen_ab)best=d;}}\r\n if(best)ge('bfhSteuern').value=(parseFloat(best.steuer_prozent)||0).toFixed(2);\r\n }catch(e){}\r\n },500);\r\n};\r\n\r\n\/* \u2500\u2500 CTA URL \u2500\u2500 *\/\r\nfunction bfhDetectLang(){const p=window.location.pathname.toLowerCase();if(p.includes('\/fr\/'))return 'fr';if(p.includes('\/pt\/'))return 'pt';if(p.includes('\/it\/'))return 'it';if(p.includes('\/es\/'))return 'es';if(p.includes('\/en\/'))return 'en';return 'de';}\r\nconst LURLS={de:'https:\/\/www.bestfinance.ch\/kreditanfrage-schweiz\/',fr:'https:\/\/www.bestfinance.ch\/fr\/demande-de-credit-en-suisse\/',it:'https:\/\/www.bestfinance.ch\/it\/domanda-di-credito-svizzera\/',pt:'https:\/\/www.bestfinance.ch\/pt\/aplicacao-credito-suica\/',es:'https:\/\/www.bestfinance.ch\/es\/solicitud-credito-suica\/',en:'https:\/\/www.bestfinance.ch\/en\/credit-application-switzerland\/'};\r\nconst LFO={de:'AA',it:'AA',es:'AA',en:'AA',fr:'LS',pt:'LS'};\r\nconst ZMAP={ledig:'Ledig',verheiratet:'Verheiratet',geschieden:'Geschieden',verwitwet:'Witwe(r)',eingetragene_partnerschaft:'Eingetragene Partnerschaft',konkubinat:'Ledig'};\r\nfunction bfhGetTart(){const s=ge('bfhTransport');const t=s?s.options[s.selectedIndex]?.text:'';if(t.includes('Zu Fuss'))return 'Zu Fuss';if(t.includes('Velo'))return 'Velo';if(t.includes('Motorrad'))return 'Motorrad';if(t.includes('\u00d6ffentliche'))return '\u00d6ffentlicher Verkehr';if(t.includes('Gesch\u00e4ftsauto'))return 'Gesch\u00e4ftsauto';return 'Auto';}\r\nfunction bfhBuildURL(maxK){\r\n const lang=bfhDetectLang(),base=LURLS[lang]||LURLS.de,fo=LFO[lang]||'AA';\r\n const zs=gv('bfhZivil'),nat=gv('bfhNatio'),anz=parseInt(gv('bfhKinderAnz'))||0;\r\n const p=new URLSearchParams();\r\n p.set('fo',fo);p.set('w1','BudgetCalculator');p.set('amount',maxK);\r\n p.set('vn',gv('bfhVorname'));p.set('nn',gv('bfhName'));p.set('email',gv('bfhEmail'));\r\n p.set('plz',gv('bfhPlz'));p.set('ort',gv('bfhOrt'));\r\n p.set('zivilstand',ZMAP[zs]||'Ledig');\r\n if(nat==='CH')p.set('nation','CH');else if(nat==='B'||nat==='C')p.set('nation','Switzerland');\r\n p.set('AS1_Einkommen_1',gn('bfhEk'));p.set('AS1_13m',parseInt(gv('bfhMt'))||12);\r\n const ekP=gn('bfhEkP');if(ekP)p.set('AS2_Einkommen_1',ekP);\r\n p.set('miete',gn('bfhMiete'));p.set('kk_praemien',gn('bfhKK'));p.set('tart',bfhGetTart());\r\n for(let i=1;i<=Math.min(anz,4);i++){const jg=gv('bfhKj'+i);if(jg)p.set('k'+i+'_y',jg);}\r\n return base+'?'+p.toString();\r\n}\r\n\r\n\/* \u2500\u2500 Berechnung \u2500\u2500 *\/\r\nwindow.bfhCalculate=function(){\r\n if(!bfhValidate(5))return;\r\n const ek=gn('bfhEk'),mt=parseInt(gv('bfhMt'))||12;\r\n const zs=gv('bfhZivil');\r\n const ekP=['verheiratet','konkubinat','eingetragene_partnerschaft'].includes(zs)?gn('bfhEkP'):0;\r\n const mtP=parseInt(gv('bfhMtP'))||12;\r\n const zus=gn('bfhZusatz'),andM=gn('bfhAndere')\/12;\r\n const ekM=ek+(mt===13?ek\/12:0),ekPM=ekP+(mtP===13?ekP\/12:0);\r\n const tEK=ekM+zus+andM+(ekP?ekPM:0);\r\n const gb=parseFloat(gv('bfhWohnSit'))||0;\r\n const kk2=bfhKinderKosten(),miete=gn('bfhMiete'),kk=gn('bfhKK');\r\n const tr=parseFloat(gv('bfhTransport'))||0,vp=gn('bfhVerpfl'),we=gn('bfhWeitere');\r\n const al=gn('bfhAlimente'),sp=parseFloat(gv('bfhSteuern'))||0;\r\n let steuern=0,budget=0,ak=1;\r\n if(zs==='verheiratet'){\r\n ak=tEK>0?(ekM+zus+andM)\/tEK:1;\r\n steuern=(tEK\/0.88)*(sp\/100)*ak;\r\n budget=(ekM+zus+andM)-((gb+kk2+miete+kk)*ak)-steuern-al-tr-vp-we;\r\n }else{\r\n steuern=(tEK\/0.88)*(sp\/100);\r\n budget=tEK-gb-kk2-miete-kk-steuern-al-tr-vp-we;\r\n }\r\n let maxK=0;\r\n if(budget>0){const r=0.10\/12;maxK=Math.floor((budget*(1-Math.pow(1+r,-36))\/r)\/1000)*1000;}\r\n const totA=(gb+kk2+miete+kk)*ak+tr+vp+we+al;\r\n\r\n const aE=ge('bfhResBetrag'),ok=ge('bfhHinweisOk'),nok=ge('bfhHinweisNok');\r\n if(maxK>1000){\r\n aE.textContent=chf(maxK);aE.className='bf-result-amount';\r\n ge('bfhResSub').textContent='Basierend auf Ihrem freien Budget von '+chf(budget)+'\/Mt.';\r\n if(ok)ok.style.display='block';if(nok)nok.style.display='none';\r\n }else{\r\n \/\/ Negatives Ergebnis: roter Betrag + spezifischer Hilfstext\r\n aE.textContent='CHF 0';\r\n aE.className='bf-result-amount negative';\r\n aE.style.fontSize='34px';\r\n \/\/ Zeige konkreten Hinweis im Result-Sub\r\n const deficit = Math.abs(Math.min(budget,0));\r\n if(deficit>0){\r\n ge('bfhResSub').textContent='Monatliches Defizit: '+chf(deficit)+' \u2013 Budget nicht ausreichend.';\r\n }else{\r\n ge('bfhResSub').textContent='Das freie Budget reicht nicht f\u00fcr eine KKG-konforme Kreditrate.';\r\n }\r\n if(ok)ok.style.display='none';if(nok)nok.style.display='block';\r\n }\r\n ge('bfhResEin').textContent=chf(tEK);\r\n ge('bfhResAus').textContent=chf(totA);\r\n ge('bfhResSteu').textContent=chf(steuern);\r\n const bE=ge('bfhResBudget');bE.textContent=chf(budget);bE.style.color=budget>=0?'var(--green)':'var(--red)';\r\n const cl=ge('bfhCtaLink');if(cl)cl.href=bfhBuildURL(maxK);\r\n\r\n \/\/ E-Mail Benachrichtigung\r\n try{\r\n const anz=parseInt(gv('bfhKinderAnz'))||0;\r\n const kinder=[];for(let i=1;i<=Math.min(anz,4);i++){const jg=gv('bfhKj'+i);if(jg)kinder.push(jg);}\r\n const tSel=ge('bfhTransport');\r\n const wohnSitSel=ge('bfhWohnSit');\r\n const wohnSitText=wohnSitSel?wohnSitSel.options[wohnSitSel.selectedIndex]?.text:'';\r\n const wohnSitVal=gv('bfhWohnSit');\r\n const ortEl=document.getElementById('bfhOrt');\r\n const ortVal=ortEl?ortEl.value:'';\r\n fetch(window.ajaxurl||'\/wp-admin\/admin-ajax.php',{\r\n method:'POST',\r\n headers:{'Content-Type':'application\/x-www-form-urlencoded; charset=UTF-8'},\r\n body:new URLSearchParams({\r\n action:'bf_budget_notify',\r\n nonce:window.bfBudgetNonce||'',\r\n data_json:JSON.stringify({\r\n vorname:gv('bfhVorname'),name:gv('bfhName'),email:gv('bfhEmail'),\r\n geburtsjahr:gv('bfhJahr'),\r\n kanton:gv('bfhKanton'),plz:gv('bfhPlz'),ort:ortVal,\r\n zivilstand:zs,\r\n wohnsituation:wohnSitVal,\r\n wohnsituation_text:wohnSitText,\r\n nationalitaet:gv('bfhNatio'),\r\n kinder_anzahl:anz,\r\n kinder_jahrgaenge:kinder.join(', '),\r\n einkommen:ek,monate:mt,zusatzEinkommen:zus,ekPartner:ekP||'',\r\n miete:miete,krankenKasse:kk,\r\n transport:tSel?tSel.options[tSel.selectedIndex]?.text:'',\r\n verpflegung:vp,weitereAusgaben:we,alimente:al,\r\n steuernProzent:sp,\r\n totalEinnahmen:Math.round(tEK),totalAusgaben:Math.round(totA),\r\n steuern:Math.round(steuern),freiesBudget:Math.round(budget),maxKredit:maxK,\r\n kreditfaehig:maxK>1000?'Ja':'Nein',\r\n seite:window.location.href,datum:new Date().toLocaleDateString('de-CH')\r\n })\r\n }).toString(),\r\n keepalive:true,credentials:'same-origin'\r\n }).catch(function(){});\r\n }catch(e){}\r\n\r\n ge('bfhProgressWrap').style.display='none';ge('bfhDots').style.display='none';\r\n for(let i=1;i<=TOTAL;i++)ge('bfhS'+i).classList.remove('active');\r\n ge('bfhResult').style.display='block';\r\n ge('bfhWrap').scrollIntoView({behavior:'smooth',block:'nearest'});\r\n};\r\n\r\n\/* \u2500\u2500 Restart \u2500\u2500 *\/\r\nwindow.bfhRestart=function(){\r\n ge('bfhResult').style.display='none';\r\n ge('bfhProgressWrap').style.display='block';ge('bfhDots').style.display='flex';\r\n bfhStep=1;goTo(1);\r\n};\r\n\r\n\/* \u2500\u2500 Init \u2500\u2500 *\/\r\nge('bfhWohnSit').addEventListener('change',bfhFillS3);\r\nbfhFillS3();\r\n})();\r\n<\/script>\r\n\r\n<\/body>\r\n<\/html>\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\">Jahre Erfahrung<br>seit 2004<\/div>\n <\/div>\n <div class=\"trust-stat\">\n <div class=\"trust-stat-val\">5+<\/div>\n <div class=\"trust-stat-lbl\">Partnerbanken<br>im Vergleich<\/div>\n <\/div>\n <div class=\"trust-stat\">\n <div class=\"trust-stat-val\">4.9%<\/div>\n <div class=\"trust-stat-lbl\">Zinsen ab<br>eff. Jahreszins<\/div>\n <\/div>\n <div class=\"trust-stat\">\n <div class=\"trust-stat-val\">CHF 0<\/div>\n <div class=\"trust-stat-lbl\">Bearbeitungs-<br>geb\u00fchren<\/div>\n <\/div>\n <div class=\"trust-stat\">\n <div class=\"trust-stat-val\">KKG<\/div>\n <div class=\"trust-stat-lbl\">Konform<br>Schweizer Recht<\/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\">So einfach geht's<\/div>\n <h2 class=\"lp-title\" id=\"bflp-steps-title\">In 4 Schritten zum Kredit<\/h2>\n <p class=\"lp-sub\">Vom Budget Rechner bis zur Auszahlung \u2013 schnell, sicher und pers\u00f6nlich begleitet.<\/p>\n <\/div>\n <div class=\"steps-grid\">\n\n <div class=\"step-card\">\n <div class=\"step-num\">1<\/div>\n <h3>Budget berechnen<\/h3>\n <p>Geben Sie Ihr Einkommen und Ihre Ausgaben in unseren Budget Rechner ein \u2013 anonym und unverbindlich. Keine ZEK-Anfrage.<\/p>\n <\/div>\n\n <div class=\"step-card\">\n <div class=\"step-num\">2<\/div>\n <h3>Kredit beantragen<\/h3>\n <p>Stellen Sie Ihren Kreditantrag online in wenigen Minuten. Wir vergleichen f\u00fcr Sie die Angebote von 5+ Schweizer Partnerbanken.<\/p>\n <\/div>\n\n <div class=\"step-card\">\n <div class=\"step-num\">3<\/div>\n <h3>Bestes Angebot sichern<\/h3>\n <p>Sie erhalten die g\u00fcnstigste Offerte \u2013 Ihre pers\u00f6nliche Beraterin oder Ihr Berater begleitet Sie durch den gesamten Prozess.<\/p>\n <\/div>\n\n <div class=\"step-card\">\n <div class=\"step-num\">4<\/div>\n <h3>Geld auf dem Konto<\/h3>\n <p>Nach Kreditgenehmigung wird der Betrag direkt auf Ihr Schweizer Konto \u00fcberwiesen \u2013 in der Regel innerhalb weniger Tage.<\/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\">Was berechnet der Budget Rechner f\u00fcr Kredite?<\/h2>\n <p>\n Der Budget Rechner von Best Finance ermittelt auf Basis Ihrer pers\u00f6nlichen Finanzsituation, welchen Kreditbetrag Sie sich gem\u00e4ss dem Schweizer <strong>Konsumkreditgesetz (KKG)<\/strong> leisten k\u00f6nnen. Er ist das zentrale Werkzeug, bevor Sie einen Privatkredit beantragen.\n <\/p>\n\n <h3>Was wird ber\u00fccksichtigt?<\/h3>\n <ul>\n <li>Ihr monatliches Nettoeinkommen inkl. 13. Monatslohn<\/li>\n <li>Gesetzlicher Grundbedarf (je nach Wohnsituation & Kinderzahl)<\/li>\n <li>Wohnkosten \u2013 Miete oder Hypothek (Ihr Anteil)<\/li>\n <li>Monatliche Krankenkassenpr\u00e4mien (alle Haushaltsmitglieder)<\/li>\n <li>Alimente und Unterhaltszahlungen<\/li>\n <li>Transportkosten und Verpflegung am Arbeitsplatz<\/li>\n <li>Bestehende Kredit- und Leasingverpflichtungen<\/li>\n <li>Quellensteuer (automatisch nach Kanton & Zivilstand)<\/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 Wichtig: KKG-Berechnung \u2260 subjektives Budget\n <\/div>\n <p>\n Schweizer Banken rechnen streng nach KKG. Der gesetzliche Grundbedarf f\u00fcr eine Einzelperson betr\u00e4gt CHF 1'100\u20131'200 pro Monat (je nach Wohnsituation), f\u00fcr Paare CHF 1'700 inkl. Partner. Zus\u00e4tzlich werden Kinderkosten pauschal mit CHF 400 (\u226410 Jahre) bzw. CHF 600 (11\u201325 Jahre) pro Kind pro Monat eingerechnet.\n <\/p>\n <\/div>\n\n <h3>Wie wird der Kreditrahmen ermittelt?<\/h3>\n <p>\n Das monatlich verf\u00fcgbare Einkommen nach Abzug aller Ausgaben ergibt Ihre maximale Kreditrate. Die Berechnung folgt der Annuit\u00e4tenformel bei einem konservativen Referenzzinssatz. Das Ergebnis ist eine erste Orientierung.\n <\/p>\n <p>\n Die tats\u00e4chlich bewilligte Kreditlimite h\u00e4ngt zus\u00e4tzlich von Ihrer <strong>Bonit\u00e4t und Ihrem ZEK-Score<\/strong> sowie den individuellen Vergaberichtlinien der Bank ab.\n <\/p>\n <\/div>\n\n <!-- Beispielrechnung -->\n <div>\n <div class=\"budget-visual\" role=\"complementary\" aria-label=\"Beispiel Budgetberechnung\">\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 Beispielrechnung \u2013 Aarau, ledig\n <\/div>\n\n <div class=\"budget-row\">\n <div class=\"budget-row-lbl\">\n <span class=\"dot\" style=\"background:#10b981\"><\/span>Nettolohn (12 Mt.)\n <\/div>\n <div class=\"budget-row-val pos\">+ CHF 5'000<\/div>\n <\/div>\n\n <hr class=\"budget-divider\">\n\n <div class=\"budget-row\">\n <div class=\"budget-row-lbl\"><span class=\"dot\" style=\"background:#f59e0b\"><\/span>Grundbedarf (allein)<\/div>\n <div class=\"budget-row-val\">\u2212 CHF 1'200<\/div>\n <\/div>\n <div class=\"budget-row\">\n <div class=\"budget-row-lbl\"><span class=\"dot\" style=\"background:#f59e0b\"><\/span>Miete inkl. NK<\/div>\n <div class=\"budget-row-val\">\u2212 CHF 1'350<\/div>\n <\/div>\n <div class=\"budget-row\">\n <div class=\"budget-row-lbl\"><span class=\"dot\" style=\"background:#f59e0b\"><\/span>Krankenkasse<\/div>\n <div class=\"budget-row-val\">\u2212 CHF 380<\/div>\n <\/div>\n <div class=\"budget-row\">\n <div class=\"budget-row-lbl\"><span class=\"dot\" style=\"background:#f59e0b\"><\/span>Transport & Verpflegung<\/div>\n <div class=\"budget-row-val\">\u2212 CHF 290<\/div>\n <\/div>\n <div class=\"budget-row\">\n <div class=\"budget-row-lbl\"><span class=\"dot\" style=\"background:#f59e0b\"><\/span>Quellensteuer (AG, ca. 8%)<\/div>\n <div class=\"budget-row-val\">\u2212 CHF 432<\/div>\n <\/div>\n\n <hr class=\"budget-divider\">\n\n <div class=\"budget-row\">\n <div class=\"budget-row-lbl\" style=\"font-weight:600;color:var(--navy)\">Verf\u00fcgbares Budget\/Mt.<\/div>\n <div class=\"budget-row-val\" style=\"color:var(--navy);font-size:15px\">CHF 1'348<\/div>\n <\/div>\n\n <hr class=\"budget-divider\">\n\n <div class=\"budget-result-row\">\n <div class=\"budget-result-lbl\">\u27f9 Kreditrahmen (ca.)<\/div>\n <div class=\"budget-result-val\">\u2248 CHF 48'000<\/div>\n <\/div>\n\n <p class=\"budget-note\">\n Beispiel bei 10% Referenzzins \/ 36 Monate (KKG-konservativ). Ohne Gew\u00e4hr. Tats\u00e4chliche Kreditlimite h\u00e4ngt von der individuellen Bankpr\u00fcfung ab.\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\">Unsere Partnerbanken<\/div>\n <h2 class=\"lp-title\" id=\"bflp-banken-title\">Wir vergleichen die besten Schweizer Banken<\/h2>\n <p class=\"lp-sub\">\n Best Finance vermittelt Privatkredite von f\u00fchrenden FINMA-regulierten Schweizer Banken \u2013 Sie profitieren vom g\u00fcnstigsten Zinssatz ohne Mehraufwand.\n <\/p>\n <\/div>\n\n <div class=\"banks-grid\">\n <div class=\"bank-card\">\n <span>Cembra<br>Money Bank<\/span>\n <\/div>\n <div class=\"bank-card\">\n <span>Bank Now<\/span>\n <\/div>\n <div class=\"bank-card\">\n <span>Corner<br>Bank<\/span>\n <\/div>\n <div class=\"bank-card\">\n <span>Bob<br>Finance<\/span>\n <\/div>\n <div class=\"bank-card\">\n <span>Migros<br>Bank<\/span>\n <\/div>\n <\/div>\n\n <p class=\"banks-note\">\n Alle Partnerbanken sind FINMA-reguliert und unterliegen dem Schweizer Konsumkreditgesetz (KKG) \u00b7 Max. Zinssatz 9.95% eff. Jahreszins\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\">H\u00e4ufige Fragen<\/div>\n <h2 class=\"lp-title\" id=\"bflp-faq-title\">Fragen zum Budget Rechner & Kredit<\/h2>\n <p class=\"lp-sub\">Alles, was Sie \u00fcber den Kreditrahmen und das Kreditbudget in der Schweiz wissen m\u00fcssen.<\/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 Wie viel Kredit bekomme ich in der Schweiz?\n <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n <\/button>\n <div class=\"faq-a\">\n Wie viel Kredit Sie in der Schweiz bekommen, h\u00e4ngt von Ihrem Nettoeinkommen, Ihren monatlichen Ausgaben (Miete, Krankenkasse, bestehende Verpflichtungen), Ihrer Wohnsituation und Ihrem Zivilstand ab. Gem\u00e4ss Konsumkreditgesetz (KKG) darf die monatliche Kreditrate maximal so hoch sein, dass Sie nach Abzug aller Kosten noch gen\u00fcgend Mittel f\u00fcr den Lebensunterhalt haben. Mit unserem Budget Rechner berechnen Sie Ihren pers\u00f6nlichen Kreditrahmen sofort und kostenlos.\n <\/div>\n <\/div>\n\n <div class=\"faq-item\">\n <button class=\"faq-q\" aria-expanded=\"false\">\n Was ist ein Budget Rechner f\u00fcr Kredite?\n <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n <\/button>\n <div class=\"faq-a\">\n Ein Budget Rechner f\u00fcr Kredite ermittelt Ihren maximalen Kreditrahmen auf Basis Ihrer Einnahmen und Ausgaben \u2013 gem\u00e4ss den gesetzlichen Vorgaben des Schweizer Konsumkreditgesetzes (KKG). Er ber\u00fccksichtigt Nettolohn, Wohnkosten, Krankenkassenpr\u00e4mien, Kinderkosten, Alimente, Steuern und bestehende Verpflichtungen. Das Ergebnis zeigt, welche monatliche Rate und welcher Kreditbetrag f\u00fcr Sie realistisch finanzierbar sind.\n <\/div>\n <\/div>\n\n <div class=\"faq-item\">\n <button class=\"faq-q\" aria-expanded=\"false\">\n Welche Unterlagen brauche ich f\u00fcr einen Kredit in der Schweiz?\n <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n <\/button>\n <div class=\"faq-a\">\n F\u00fcr einen Kreditantrag in der Schweiz ben\u00f6tigen Sie in der Regel: Lohnausweis der letzten 3 Monate, Kopie Ihrer Identit\u00e4tskarte oder des Reisepasses, Betreibungsregisterauszug sowie Angaben zu bestehenden Krediten oder Leasingvertr\u00e4gen. Bei verheirateten Personen ist zus\u00e4tzlich der Lohnausweis des Partners erforderlich. Best Finance begleitet Sie durch den gesamten Antragsprozess.\n <\/div>\n <\/div>\n\n <div class=\"faq-item\">\n <button class=\"faq-q\" aria-expanded=\"false\">\n Wie hoch ist der Zinssatz f\u00fcr einen Privatkredit in der Schweiz?\n <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n <\/button>\n <div class=\"faq-a\">\n Der gesetzlich festgelegte Maximalzinssatz f\u00fcr Privatkredite in der Schweiz betr\u00e4gt 9.95% effektiver Jahreszins. Best Finance vermittelt Privatkredite ab 4.9% effektivem Jahreszins \u2013 je nach Bonit\u00e4t, Laufzeit und Kreditbetrag. Ein unverbindlicher Vergleich \u00fcber mehrere Partnerbanken sichert Ihnen den besten Zinssatz.\n <\/div>\n <\/div>\n\n <div class=\"faq-item\">\n <button class=\"faq-q\" aria-expanded=\"false\">\n Kann ich anonym pr\u00fcfen, wie viel Kredit ich bekomme?\n <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n <\/button>\n <div class=\"faq-a\">\n Ja. Unser Budget Rechner ist vollst\u00e4ndig anonym und unverbindlich. Es wird keine ZEK-Anfrage gestellt und keine Kreditpr\u00fcfung vorgenommen. Das Ergebnis dient als erste Orientierung \u2013 f\u00fcr eine verbindliche Offerte ist ein offizieller Kreditantrag mit vollst\u00e4ndiger Bonit\u00e4tspr\u00fcfung erforderlich.\n <\/div>\n <\/div>\n\n <div class=\"faq-item\">\n <button class=\"faq-q\" aria-expanded=\"false\">\n Was ist der Unterschied zwischen Kreditrahmen und Kreditlimite?\n <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n <\/button>\n <div class=\"faq-a\">\n Der <strong>Kreditrahmen<\/strong> bezeichnet den maximalen Betrag, den Sie aufgrund Ihrer finanziellen Situation beantragen k\u00f6nnten \u2013 berechnet nach dem Schweizer Konsumkreditgesetz. Die <strong>Kreditlimite<\/strong> ist der von der Bank tats\u00e4chlich bewilligte Betrag, der von Ihrer Bonit\u00e4t, Ihrem ZEK-Score und weiteren Faktoren abh\u00e4ngt. Der Kreditrahmen aus dem Budget Rechner ist eine Sch\u00e4tzung; die tats\u00e4chliche Kreditlimite kann abweichen.\n <\/div>\n <\/div>\n\n <div class=\"faq-item\">\n <button class=\"faq-q\" aria-expanded=\"false\">\n Wer ist Best Finance und seit wann gibt es die Firma?\n <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n <\/button>\n <div class=\"faq-a\">\n Best Finance GmbH ist ein unabh\u00e4ngiger Schweizer Kreditvermittler mit Sitz in Aarau (Bahnhofstrasse 67, 5000 Aarau) f\u00fcr die Deutsch-Schweiz und Lausanne (Av. d'Echallens 109, 1004 Lausanne) f\u00fcr die Romandie, t\u00e4tig seit 2004. Wir vermitteln Privatkredite \u00fcber f\u00fchrende Schweizer Partnerbanken und beraten unsere Kundinnen und Kunden pers\u00f6nlich auf Deutsch, Franz\u00f6sisch, Italienisch und Portugiesisch. Unser Service ist f\u00fcr Sie kostenlos.\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 Kostenlos & unverbindlich\n <\/div>\n <h2 class=\"cta-h2\" id=\"bflp-cta-title\">Bereit f\u00fcr Ihren Kredit?<\/h2>\n <p class=\"cta-sub\">Jetzt unverbindlich anfragen \u2013 pers\u00f6nliche Beratung inklusive, keine Bearbeitungsgeb\u00fchren, kein Risiko.<\/p>\n <div class=\"cta-btns\">\n <a href=\"https:\/\/www.bestfinance.ch\/kreditanfrage-schweiz\/?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 Kreditantrag stellen\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 Keine Bearbeitungsgeb\u00fchren\n <\/div>\n <div class=\"cta-trust-item\">\n <svg width=\"12\" height=\"12\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg>\n FINMA-regulierte Partnerbanken\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 Pers\u00f6nliche Beratung auf Deutsch\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>Rechtlicher Hinweis:<\/strong> Der Budget Rechner liefert eine unverbindliche Sch\u00e4tzung des m\u00f6glichen Kreditrahmens und stellt keine verbindliche Kreditofferte dar. Die Ergebnisse ersetzen keine individuelle Bonit\u00e4tspr\u00fcfung durch eine Bank. Der effektive Jahreszins betr\u00e4gt zwischen 4.9% und 9.95% gem\u00e4ss gesetzlichem Maximum (Art. 9 KKG). <strong>Kredit wird nicht gew\u00e4hrt, falls er zur \u00dcberschuldung f\u00fchrt.<\/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\t\t\t\n\t\t\t<img class=\"e-image-base e-d532927-8900e48\" \n\t\t\t\t\tdata-interaction-id=\"d532927\" \n\t\t \n\t\t data-e-type=\"widget\" data-id=\"d532927\"\n\t\t\t\t\t\t\t\t\tid=\"203739\"\n\t\t\t\t\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.bestfinance.ch\/wp-content\/uploads\/2026\/04\/kredit-budgetrechner-paar.png\"\n\t\t\t\t\t\t\t\t\t\t\t\twidth=\"500\"\n\t\t\t\t\t\t\t\t\t\t\t\theight=\"273\"\n\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.bestfinance.ch\/wp-content\/uploads\/2026\/04\/kredit-budgetrechner-paar.png 500w, https:\/\/www.bestfinance.ch\/wp-content\/uploads\/2026\/04\/kredit-budgetrechner-paar-300x164.png 300w, https:\/\/www.bestfinance.ch\/wp-content\/uploads\/2026\/04\/kredit-budgetrechner-paar-18x10.png 18w\"\n\t\t\t\t\t\t\t\t\t\t\t\talt=\"kredit budgetrechner paar\"\n\t\t\t\t\t\t\/>\n\t\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>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Kredit Budget Rechner \u2013 Best Finance Anonym & unverbindlich Kredit Budget Rechner \u2013 Wie viel Kredit bekomme ich? Berechnen Sie Ihren pers\u00f6nlichen Kreditrahmen in wenigen Minuten \u2013 KKG-konform, ohne ZEK-Anfrage, kostenlos. Seit 2004 Ihr Spezialist f\u00fcr Privatkredite 5+ Partnerbanken im direkten Vergleich Zinsen ab 4.9% effektivem Jahreszins Keine Bearbeitungsgeb\u00fchren \u2013 100% kostenlos Kreditrahmen berechnen Schritt f\u00fcr […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"Budget Rechner Kredit Schweiz | Best Finance","_seopress_titles_desc":"Wie viel Kredit bekomme ich? Kreditrahmen kostenlos & anonym berechnen \u2013 KKG-konform, ohne ZEK-Anfrage. Zinsen ab 4.9%. Seit 2004 Ihr Spezialist.","_seopress_robots_index":"","_eb_attr":"","site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-197634","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/pages\/197634","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/comments?post=197634"}],"version-history":[{"count":102,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/pages\/197634\/revisions"}],"predecessor-version":[{"id":203790,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/pages\/197634\/revisions\/203790"}],"wp:attachment":[{"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/media?parent=197634"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}