{"id":197634,"date":"2024-12-12T20:34:49","date_gmt":"2024-12-12T19:34:49","guid":{"rendered":"https:\/\/www.bestfinance.ch\/?page_id=197634"},"modified":"2026-07-26T19:08:05","modified_gmt":"2026-07-26T17:08:05","slug":"credit-calculateur-de-budget-en-ligne","status":"publish","type":"page","link":"https:\/\/www.bestfinance.ch\/fr\/kredit-budgetrechner-online\/","title":{"rendered":"Calculateur de budget de cr\u00e9dit en ligne"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"197634\" class=\"elementor elementor-197634\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b02142 e-flex e-con-boxed e-con e-parent\" data-id=\"5b02142\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee23e45 elementor-widget elementor-widget-spacer\" data-id=\"ee23e45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f33a3a e-flex e-con-boxed e-con e-parent\" data-id=\"7f33a3a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-037931d elementor-widget elementor-widget-html\" data-id=\"037931d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!--\r\n================================================================================\r\n Datei    : hero-elementor.html\r\n Zweck    : Hero-Bereich f\u00fcr den Kredit-Budgetrechner.\r\n            Inhalt eines Elementor-HTML-Widgets.\r\n Stand    : 2026-07-26\r\n Bedingt  : Plugin \"BF Budget-Rechner\" ab Version 1.0.1\r\n\r\n WAS HIER ENTFERNT WURDE\r\n   - der komplette <style>-Block          -> liegt jetzt in assets\/bf-budget.css\r\n   - der komplette <script>-Block         -> liegt jetzt in assets\/bf-budget.js\r\n   - das gesamte Rechnerformular          -> kommt \u00fcber <div class=\"bfh-root bfh-nur-karte\" data-bf-budget=\"1\">\n\n      <div class=\"bfh-card\">\n        <div class=\"bfh-card-top\">\n          <div>\n            <div class=\"bfh-card-top-title\">Kreditrahmen berechnen<\/div>\n            <div class=\"bfh-card-top-sub\">Schritt f\u00fcr Schritt \u2013 dauert ca. 2 Minuten<\/div>\n          <\/div>\n          <div class=\"bfh-card-top-icon\">\n            <svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"rgba(255,255,255,.8)\" stroke-width=\"2\">\n              <rect x=\"2\" y=\"3\" width=\"20\" height=\"18\" rx=\"2\"\/><path d=\"M8 10h8M8 14h5\"\/><circle cx=\"17\" cy=\"14\" r=\"3\"\/>\n            <\/svg>\n          <\/div>\n        <\/div>\n\n        <div class=\"bf-wrap\" id=\"bfhWrap\">\n\n          <div class=\"bf-progress-wrap\" id=\"bfhProgressWrap\">\n            <div class=\"bf-step-label\">\n              <span id=\"bfhStepLbl\">Schritt 1 von 5<\/span>\n              <span id=\"bfhPctLbl\">20%<\/span>\n            <\/div>\n            <div class=\"bf-bar-bg\"><div class=\"bf-bar\" id=\"bfhBar\" style=\"width:20%\"><\/div><\/div>\n          <\/div>\n          <div class=\"bf-steps-dots\" id=\"bfhDots\">\n            <div class=\"bf-dot active\" id=\"bfhDot1\"><\/div><div class=\"bf-dot\" id=\"bfhDot2\"><\/div>\n            <div class=\"bf-dot\" id=\"bfhDot3\"><\/div><div class=\"bf-dot\" id=\"bfhDot4\"><\/div>\n            <div class=\"bf-dot\" id=\"bfhDot5\"><\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 1 \u2500\u2500 -->\n          <div class=\"bf-step active\" id=\"bfhS1\">\n            <div class=\"bf-step-title\">Pers\u00f6nliche Daten<\/div>\n            <div class=\"bf-step-desc\">Wir \u00fcberpr\u00fcfen Ihren finanziellen Spielraum \u2013 anonym und unverbindlich.<\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Geburtsjahr <span class=\"req\">*<\/span><\/label>\n                <select class=\"bf-select\" id=\"bfhJahr\"><\/select>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-row cols3\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Postleitzahl<\/label>\n                <input class=\"bf-input\" id=\"bfhPlz\" type=\"text\" inputmode=\"numeric\" maxlength=\"4\" placeholder=\"z.B. 5000\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Wohnort<\/label>\n                <input class=\"bf-input readonly\" id=\"bfhOrt\" type=\"text\" placeholder=\"Aarau\" readonly>\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Kanton <span class=\"req\">*<\/span>\n                  <span class=\"bf-info\" data-tip=\"Der Kanton bestimmt Steuersatz und gesetzlichen Grundbedarf.\">i<\/span>\n                <\/label>\n                <select class=\"bf-select\" id=\"bfhKanton\">\n                  <option value=\"\">\u2013 w\u00e4hlen \u2013<\/option>\n                  <option>AG<\/option><option>AI<\/option><option>AR<\/option><option>BE<\/option><option>BL<\/option>\n                  <option>BS<\/option><option>FR<\/option><option>GE<\/option><option>GL<\/option><option>GR<\/option>\n                  <option>JU<\/option><option>LU<\/option><option>NE<\/option><option>NW<\/option><option>OW<\/option>\n                  <option>SG<\/option><option>SH<\/option><option>SO<\/option><option>SZ<\/option><option>TG<\/option>\n                  <option>TI<\/option><option>UR<\/option><option>VD<\/option><option>VS<\/option><option>ZG<\/option>\n                  <option>ZH<\/option>\n                <\/select>\n              <\/div>\n            <\/div>\n            <input type=\"hidden\" id=\"bfhSteuern\" value=\"10\">\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Zivilstand <span class=\"req\">*<\/span><\/label>\n                <select class=\"bf-select\" id=\"bfhZivil\">\n                  <option value=\"\">\u2013 bitte w\u00e4hlen \u2013<\/option>\n                  <option value=\"ledig\">Ledig<\/option>\n                  <option value=\"verheiratet\">Verheiratet<\/option>\n                  <option value=\"konkubinat\">Konkubinat<\/option>\n                  <option value=\"eingetragene_partnerschaft\">Eingetragene Partnerschaft<\/option>\n                  <option value=\"geschieden\">Geschieden<\/option>\n                  <option value=\"verwitwet\">Verwitwet<\/option>\n                <\/select>\n              <\/div>\n              <div class=\"bf-group\">\n                <!-- value = Kategorie, nicht Betrag: der Grundbedarf haengt vom Kanton ab -->\n                <label class=\"bf-label\">Wohnsituation <span class=\"req\">*<\/span><\/label>\n                <select class=\"bf-select\" id=\"bfhWohnSit\">\n                  <option value=\"\">\u2013 bitte w\u00e4hlen \u2013<\/option>\n                  <option value=\"allein\">Allein<\/option>\n                  <option value=\"allein_hg\">Allein mit Erwachsenen<\/option>\n                  <option value=\"ehepaar\">Mit Partner\/in (Ehepaar)<\/option>\n                  <option value=\"alleinerz\">Alleinerziehend<\/option>\n                  <option value=\"alleinerz_hg\">Alleinerziehend mit Erwachsenen<\/option>\n                <\/select>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Anzahl Kinder                <span class=\"bf-info\" data-tip=\"Kinder bis 25 Jahre werden ber\u00fccksichtigt.\">i<\/span>\n              <\/label>\n              <select class=\"bf-select\" id=\"bfhKinderAnz\">\n                <option value=\"0\">Keine Kinder<\/option>\n                <option value=\"1\">1<\/option><option value=\"2\">2<\/option><option value=\"3\">3<\/option>\n                <option value=\"4\">4<\/option><option value=\"5\">5<\/option>\n              <\/select>\n            <\/div>\n            <div class=\"bf-kinder-grid\" id=\"bfhKinderGrid\" style=\"display:none\"><\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Nationalit\u00e4t \/ Aufenthaltstitel <span class=\"req\">*<\/span><\/label>\n              <select class=\"bf-select\" id=\"bfhNatio\">\n                <option value=\"\">\u2013 bitte w\u00e4hlen \u2013<\/option>\n                <option value=\"CH\">\ud83c\udde8\ud83c\udded Schweizer\/in (CH)<\/option>\n                <option value=\"B\">Ausweis B \u2013 Aufenthaltsbewilligung<\/option>\n                <option value=\"C\">Ausweis C \u2013 Niederlassungsbewilligung<\/option>\n                <option value=\"G\">Ausweis G \u2013 Grenzg\u00e4nger\/in<\/option>\n              <\/select>\n            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr1\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"1\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 2 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS2\">\n            <div class=\"bf-step-title\">Eink\u00fcnfte<\/div>\n            <div class=\"bf-step-desc\">Ihr monatliches Nettoeinkommen nach Abzug der Sozialversicherungen.<\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Monatliches Nettoeinkommen                <span class=\"bf-info\" data-tip=\"Lohn nach AHV, IV, ALV und BVG, vor Quellensteuer.\">i<\/span>\n                <span class=\"req\"> *<\/span>\n              <\/label>\n              <input class=\"bf-input\" id=\"bfhEk\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"z.B. 5000\">\n              <div style=\"margin-top:7px\">\n                <div style=\"font-size:10.5px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.5px;margin-bottom:5px\">Anzahl Monatsl\u00f6hne<\/div>\n                <div class=\"bf-toggle-row\">\n                  <button type=\"button\" class=\"bf-toggle active\" id=\"bfhT12\" data-bf-mt=\"12\">12<\/button>\n                  <button type=\"button\" class=\"bf-toggle\" id=\"bfhT13\" data-bf-mt=\"13\">13<\/button>\n                <\/div>\n              <\/div>\n              <input type=\"hidden\" id=\"bfhMt\" value=\"12\">\n              <div class=\"bf-jahresek\"><span id=\"bfhEkJLbl\">J\u00e4hrliches Nettoeinkommen:<\/span> <strong id=\"bfhEkJ\">\u2013<\/strong><\/div>\n            <\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Nebenjob \/ Zusatz (CHF\/Mt.)<\/label>\n                <input class=\"bf-input\" id=\"bfhZusatz\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Andere Eink\u00fcnfte (Bonus etc.)<\/label>\n                <input class=\"bf-input\" id=\"bfhAndere\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n                <div class=\"bf-hint\">J\u00e4hrlicher Betrag \u00f7 12<\/div>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-group\" id=\"bfhGrpPartner\" style=\"display:none\">\n              <label class=\"bf-label\">Nettoeinkommen Partner\/in (CHF\/Mt.)<\/label>\n              <input class=\"bf-input\" id=\"bfhEkP\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n              <div style=\"margin-top:7px\">\n                <div class=\"bf-toggle-row\">\n                  <button type=\"button\" class=\"bf-toggle active\" id=\"bfhTP12\" data-bf-mtp=\"12\">12<\/button>\n                  <button type=\"button\" class=\"bf-toggle\" id=\"bfhTP13\" data-bf-mtp=\"13\">13<\/button>\n                <\/div>\n              <\/div>\n              <input type=\"hidden\" id=\"bfhMtP\" value=\"12\">\n              <div class=\"bf-jahresek\"><span>J\u00e4hrliches Nettoeinkommen:<\/span> <strong id=\"bfhEkPJ\">\u2013<\/strong><\/div>\n            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr2\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"2\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"2\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 3 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS3\">\n            <div class=\"bf-step-title\">Ausgaben pro Monat<\/div>\n            <div class=\"bf-step-desc\">Grundbedarf und Kinderkosten werden nach dem Kreisschreiben Ihres Kantons berechnet.<\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Grundbedarf (pauschal)                  <span class=\"bf-info\" data-tip=\"Betreibungsrechtliches Existenzminimum nach dem Kreisschreiben Ihres Wohnkantons.\">i<\/span>\n                <\/label>\n                <input class=\"bf-input readonly\" id=\"bfhGrundbedarf\" type=\"text\" readonly tabindex=\"-1\">\n              <\/div>\n              <div class=\"bf-group\" id=\"bfhGrpKinderK\">\n                <label class=\"bf-label\">Kinderkosten (pauschal)                  <span class=\"bf-info\" id=\"bfhKinderTip\" data-tip=\"\">i<\/span>\n                <\/label>\n                <input class=\"bf-input readonly\" id=\"bfhKinderK\" type=\"text\" readonly tabindex=\"-1\">\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Miete \/ Hypothek \u2013 Ihr Anteil (CHF\/Mt.)<\/label>\n              <input class=\"bf-input\" id=\"bfhMiete\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"z.B. 1200\">\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Krankenkassenpr\u00e4mie gesamt (CHF\/Mt.) <span class=\"req\">*<\/span>\n                <span class=\"bf-info\" data-tip=\"Gesamtbetrag f\u00fcr alle Haushaltsmitglieder.\">i<\/span>\n              <\/label>\n              <input class=\"bf-input\" id=\"bfhKK\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"z.B. 450\">\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Transportmittel Arbeitsplatz<\/label>\n              <!-- data-transport traegt den deutschen Wert, den das Antragsformular\n                   erwartet. Er darf NICHT aus dem sichtbaren Text abgeleitet werden:\n                   TranslatePress uebersetzt die Beschriftung, das data-Attribut nicht. -->\n              <select class=\"bf-select\" id=\"bfhTransport\">\n                <option value=\"0\"   data-transport=\"Zu Fuss\">Zu Fuss (CHF 0\/Mt.)<\/option>\n                <option value=\"50\"  data-transport=\"Velo\">Velo (CHF 50\/Mt.)<\/option>\n                <option value=\"100\" data-transport=\"Motorrad\">Motorrad (CHF 100\/Mt.)<\/option>\n                <option value=\"190\" data-transport=\"\u00d6ffentlicher Verkehr\">\u00d6ffentliche Verkehrsmittel (CHF 190\/Mt.)<\/option>\n                <option value=\"190\" data-transport=\"Auto\" selected>Auto (CHF 190\/Mt.)<\/option>\n                <option value=\"0\"   data-transport=\"Gesch\u00e4ftsauto\">Gesch\u00e4ftsauto (CHF 0\/Mt.)<\/option>\n              <\/select>\n            <\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Verpflegung (CHF\/Mt.)                  <span class=\"bf-info\" data-tip=\"Arbeitsbedingte Verpflegungskosten ausser Haus.\">i<\/span>\n                <\/label>\n                <input class=\"bf-input\" id=\"bfhVerpfl\" type=\"number\" inputmode=\"decimal\" min=\"0\" value=\"100\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Weitere Ausgaben (CHF\/Mt.)                  <span class=\"bf-info\" data-tip=\"Leasing, Kreditkarten, Kinderbetreuung etc.\">i<\/span>\n                <\/label>\n                <input class=\"bf-input\" id=\"bfhWeitere\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr3\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"3\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"3\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 4 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS4\">\n            <div class=\"bf-step-title\">Weitere Angaben<\/div>\n            <div class=\"bf-step-desc\">Fast fertig \u2013 noch ein paar letzte Details.<\/div>\n\n            <div class=\"bf-group\" id=\"bfhGrpAlimente\" style=\"display:none\">\n              <label class=\"bf-label\">Alimente (CHF\/Mt.)<\/label>\n              <input class=\"bf-input\" id=\"bfhAlimente\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n            <\/div>\n\n            <div style=\"background:var(--gray-light);border-radius:var(--radius);padding:14px 16px;font-size:12.5px;color:var(--gray);line-height:1.6;\">\n              <strong style=\"color:var(--navy);\">\u2139 Hinweis:<\/strong><br>\n              Diese Berechnung basiert auf dem Schweizer Konsumkreditgesetz (KKG) und ist eine erste Orientierung. Die tats\u00e4chliche Kreditvergabe h\u00e4ngt von Bonit\u00e4t, ZEK-Score und Bankrichtlinien ab.            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr4\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"4\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"4\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 5 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS5\">\n            <div class=\"bf-step-title\">Fast geschafft!<\/div>\n            <div class=\"bf-step-desc\">Geben Sie Ihre Kontaktdaten ein, um Ihren Kreditrahmen zu erhalten.<\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Vorname <span class=\"req\">*<\/span><\/label>\n                <input class=\"bf-input\" id=\"bfhVorname\" type=\"text\" placeholder=\"Max\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Name <span class=\"req\">*<\/span><\/label>\n                <input class=\"bf-input\" id=\"bfhName\" type=\"text\" placeholder=\"Mustermann\">\n              <\/div>\n            <\/div>\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">E-Mail-Adresse <span class=\"req\">*<\/span><\/label>\n              <input class=\"bf-input\" id=\"bfhEmail\" type=\"email\" placeholder=\"max.mustermann@beispiel.ch\">\n            <\/div>\n            <div class=\"bf-dsgvo\">\n              \ud83d\udd12 Ihre Daten werden vertraulich behandelt und nicht an Dritte weitergegeben. Die Berechnung ist unverbindlich.            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr5\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"5\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-calc\" id=\"bfhCalcBtn\">\n                <svg width=\"17\" height=\"17\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"M12 6v6l4 2\"\/><\/svg>\n                Kreditrahmen berechnen              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 ERGEBNIS \u2500\u2500 -->\n          <div class=\"bf-result\" id=\"bfhResult\">\n            <div class=\"bf-result-card\">\n              <div class=\"bf-result-label\">Ihr Finanzierungsspielraum<\/div>\n              <div class=\"bf-result-amount\" id=\"bfhResBetrag\">\u2013<\/div>\n              <div class=\"bf-result-sub\" id=\"bfhResSub\"><\/div>\n            <\/div>\n            <div class=\"bf-result-details\">\n              <div style=\"font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;color:var(--gray);margin-bottom:10px\">Ihre Budget\u00fcbersicht<\/div>\n              <div class=\"bf-detail-row\">\n                <span class=\"bf-detail-label\">Total Einnahmen<\/span>\n                <span class=\"bf-detail-val plus\" id=\"bfhResEin\">\u2013<\/span>\n              <\/div>\n              <div class=\"bf-detail-row\">\n                <span class=\"bf-detail-label\">Grundbedarf &amp; Kosten<\/span>\n                <span class=\"bf-detail-val minus\" id=\"bfhResAus\">\u2013<\/span>\n              <\/div>\n              <div class=\"bf-detail-row\">\n                <span class=\"bf-detail-label\">Steuern (Quellensteuer)<\/span>\n                <span class=\"bf-detail-val minus\" id=\"bfhResSteu\">\u2013<\/span>\n              <\/div>\n              <!-- Herkunft des Steuersatzes, von JavaScript gefuellt -->\n              <div class=\"bf-detail-note\" id=\"bfhResSteuNote\" style=\"display:none\"><\/div>\n              <div class=\"bf-detail-row\" style=\"border-top:2px solid var(--navy);margin-top:4px;padding-top:10px\">\n                <span class=\"bf-detail-label\" style=\"font-weight:700;color:var(--navy)\">Freies Budget \/ Monat<\/span>\n                <span class=\"bf-detail-val\" id=\"bfhResBudget\" style=\"font-size:14px\">\u2013<\/span>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-hinweis-ok\" id=\"bfhHinweisOk\" style=\"display:none\">\n              <div style=\"font-size:12.5px;font-weight:700;color:#166534;margin-bottom:5px\">Das sieht gut aus. \u2713<\/div>\n              <div style=\"font-size:12.5px;color:#15803d;line-height:1.6\">\n                Ihr Kreditwunsch liegt voraussichtlich innerhalb Ihres Budgets. F\u00fcr eine Kreditvergabe werden weitere Faktoren ber\u00fccksichtigt, insbesondere Ihre Bonit\u00e4t. Die Expertinnen und Experten von Best Finance helfen Ihnen beim n\u00e4chsten Schritt.              <\/div>\n            <\/div>\n\n            <div class=\"bf-hinweis-nok\" id=\"bfhHinweisNok\" style=\"display:none\">\n              <div style=\"font-size:12.5px;font-weight:700;color:#9a3412;margin-bottom:5px\">Budget nicht ausreichend f\u00fcr eine Kreditvergabe.<\/div>\n              <div style=\"font-size:12.5px;color:#c2410c;line-height:1.6;margin-bottom:8px\">\n                Basierend auf Ihren Angaben reicht das freie Budget aktuell nicht f\u00fcr einen Kredit. Das sch\u00fctzt Sie vor \u00dcberschuldung (KKG).              <\/div>\n              <div class=\"bf-nok-tips\">\n                <div class=\"bf-nok-tip\"><span class=\"bf-nok-tip-icon\">\ud83d\udc65<\/span>\n                  <div><strong>Partner\/in hinzuf\u00fcgen:<\/strong> Bei einer gemeinsamen Anfrage k\u00f6nnen beide Einkommen ber\u00fccksichtigt werden.<\/div>\n                <\/div>\n                <div class=\"bf-nok-tip\"><span class=\"bf-nok-tip-icon\">\ud83d\udcc9<\/span>\n                  <div><strong>Ausgaben pr\u00fcfen:<\/strong> Bestehende Kredite oder Leasing zu b\u00fcndeln kann die monatliche Belastung senken.<\/div>\n                <\/div>\n                <div class=\"bf-nok-tip\"><span class=\"bf-nok-tip-icon\">\ud83d\udcac<\/span>\n                  <div><strong>Pers\u00f6nliche Beratung:<\/strong> Unsere Fachleute finden individuelle L\u00f6sungen \u2013 oft gibt es Spielraum, den der Rechner nicht kennt.<\/div>\n                <\/div>\n              <\/div>\n              <div style=\"font-size:11.5px;color:#7c2d12;background:rgba(255,255,255,0.6);border-radius:8px;padding:9px 12px;line-height:1.6;margin-top:10px;\">\n                <strong>\u26a0 Seien Sie aufmerksam:<\/strong> Lassen Sie sich nicht von angeblichen \u00abKrediten ohne Bonit\u00e4tspr\u00fcfung\u00bb blenden. Kein seri\u00f6ser Kreditgeber in der Schweiz bietet das an.              <\/div>\n            <\/div>\n\n            <a href=\"#\" id=\"bfhCtaLink\" class=\"bf-cta-btn\">\n              <svg width=\"17\" height=\"17\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              In 2 Minuten zur Anfrage \u2013 jetzt starten!            <\/a>\n            <div style=\"text-align:center;font-size:11px;color:var(--gray);margin-bottom:12px\">\n              Kostenlos und unverbindlich \u00b7 Keine ZEK-Anfrage            <\/div>\n            <span class=\"bf-restart\" id=\"bfhRestart\">\ud83d\udd04 Neue Berechnung starten<\/span>\n          <\/div>\n\n        <\/div><!-- \/bf-wrap -->\n      <\/div><!-- \/bfh-card -->\n\n<\/div><!-- \/bfh-root -->\n\r\n   Von rund 1'800 Zeilen bleiben 60. Ge\u00e4ndert wird k\u00fcnftig nur noch der Text\r\n   hier oder eine der beiden Dateien im Plugin \u2013 nie mehr beides zugleich.\r\n\r\n WICHTIG\r\n   Elementor f\u00fchrt Shortcodes im HTML-Widget normalerweise NICHT aus. Das Plugin\r\n   bringt ab 1.0.1 einen Filter mit, der genau das nachr\u00fcstet. Erscheint unten\r\n   trotzdem <div class=\"bfh-root bfh-nur-karte\" data-bf-budget=\"2\">\n\n      <div class=\"bfh-card\">\n        <div class=\"bfh-card-top\">\n          <div>\n            <div class=\"bfh-card-top-title\">Kreditrahmen berechnen<\/div>\n            <div class=\"bfh-card-top-sub\">Schritt f\u00fcr Schritt \u2013 dauert ca. 2 Minuten<\/div>\n          <\/div>\n          <div class=\"bfh-card-top-icon\">\n            <svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"rgba(255,255,255,.8)\" stroke-width=\"2\">\n              <rect x=\"2\" y=\"3\" width=\"20\" height=\"18\" rx=\"2\"\/><path d=\"M8 10h8M8 14h5\"\/><circle cx=\"17\" cy=\"14\" r=\"3\"\/>\n            <\/svg>\n          <\/div>\n        <\/div>\n\n        <div class=\"bf-wrap\" id=\"bfhWrap\">\n\n          <div class=\"bf-progress-wrap\" id=\"bfhProgressWrap\">\n            <div class=\"bf-step-label\">\n              <span id=\"bfhStepLbl\">Schritt 1 von 5<\/span>\n              <span id=\"bfhPctLbl\">20%<\/span>\n            <\/div>\n            <div class=\"bf-bar-bg\"><div class=\"bf-bar\" id=\"bfhBar\" style=\"width:20%\"><\/div><\/div>\n          <\/div>\n          <div class=\"bf-steps-dots\" id=\"bfhDots\">\n            <div class=\"bf-dot active\" id=\"bfhDot1\"><\/div><div class=\"bf-dot\" id=\"bfhDot2\"><\/div>\n            <div class=\"bf-dot\" id=\"bfhDot3\"><\/div><div class=\"bf-dot\" id=\"bfhDot4\"><\/div>\n            <div class=\"bf-dot\" id=\"bfhDot5\"><\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 1 \u2500\u2500 -->\n          <div class=\"bf-step active\" id=\"bfhS1\">\n            <div class=\"bf-step-title\">Pers\u00f6nliche Daten<\/div>\n            <div class=\"bf-step-desc\">Wir \u00fcberpr\u00fcfen Ihren finanziellen Spielraum \u2013 anonym und unverbindlich.<\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Geburtsjahr <span class=\"req\">*<\/span><\/label>\n                <select class=\"bf-select\" id=\"bfhJahr\"><\/select>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-row cols3\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Postleitzahl<\/label>\n                <input class=\"bf-input\" id=\"bfhPlz\" type=\"text\" inputmode=\"numeric\" maxlength=\"4\" placeholder=\"z.B. 5000\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Wohnort<\/label>\n                <input class=\"bf-input readonly\" id=\"bfhOrt\" type=\"text\" placeholder=\"Aarau\" readonly>\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Kanton <span class=\"req\">*<\/span>\n                  <span class=\"bf-info\" data-tip=\"Der Kanton bestimmt Steuersatz und gesetzlichen Grundbedarf.\">i<\/span>\n                <\/label>\n                <select class=\"bf-select\" id=\"bfhKanton\">\n                  <option value=\"\">\u2013 w\u00e4hlen \u2013<\/option>\n                  <option>AG<\/option><option>AI<\/option><option>AR<\/option><option>BE<\/option><option>BL<\/option>\n                  <option>BS<\/option><option>FR<\/option><option>GE<\/option><option>GL<\/option><option>GR<\/option>\n                  <option>JU<\/option><option>LU<\/option><option>NE<\/option><option>NW<\/option><option>OW<\/option>\n                  <option>SG<\/option><option>SH<\/option><option>SO<\/option><option>SZ<\/option><option>TG<\/option>\n                  <option>TI<\/option><option>UR<\/option><option>VD<\/option><option>VS<\/option><option>ZG<\/option>\n                  <option>ZH<\/option>\n                <\/select>\n              <\/div>\n            <\/div>\n            <input type=\"hidden\" id=\"bfhSteuern\" value=\"10\">\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Zivilstand <span class=\"req\">*<\/span><\/label>\n                <select class=\"bf-select\" id=\"bfhZivil\">\n                  <option value=\"\">\u2013 Bitte w\u00e4hlen Sie \u2013<\/option>\n                  <option value=\"ledig\">Ledig<\/option>\n                  <option value=\"verheiratet\">Verheiratet<\/option>\n                  <option value=\"konkubinat\">Konkubinat<\/option>\n                  <option value=\"eingetragene_partnerschaft\">Eingetragene Partnerschaft<\/option>\n                  <option value=\"geschieden\">Geschieden<\/option>\n                  <option value=\"verwitwet\">Verwitwet<\/option>\n                <\/select>\n              <\/div>\n              <div class=\"bf-group\">\n                <!-- value = Kategorie, nicht Betrag: der Grundbedarf haengt vom Kanton ab -->\n                <label class=\"bf-label\">Wohnsituation <span class=\"req\">*<\/span><\/label>\n                <select class=\"bf-select\" id=\"bfhWohnSit\">\n                  <option value=\"\">\u2013 Bitte w\u00e4hlen Sie \u2013<\/option>\n                  <option value=\"allein\">Allein<\/option>\n                  <option value=\"allein_hg\">Allein mit Erwachsenen<\/option>\n                  <option value=\"ehepaar\">Mit Partner\/in (Ehepaar)<\/option>\n                  <option value=\"alleinerz\">Alleinerziehend<\/option>\n                  <option value=\"alleinerz_hg\">Alleinerziehend mit Erwachsenen<\/option>\n                <\/select>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Anzahl Kinder                <span class=\"bf-info\" data-tip=\"Kinder bis 25 Jahre werden ber\u00fccksichtigt.\">i<\/span>\n              <\/label>\n              <select class=\"bf-select\" id=\"bfhKinderAnz\">\n                <option value=\"0\">Keine Kinder<\/option>\n                <option value=\"1\">1<\/option><option value=\"2\">2<\/option><option value=\"3\">3<\/option>\n                <option value=\"4\">4<\/option><option value=\"5\">5<\/option>\n              <\/select>\n            <\/div>\n            <div class=\"bf-kinder-grid\" id=\"bfhKinderGrid\" style=\"display:none\"><\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Nationalit\u00e4t \/ Aufenthaltstitel <span class=\"req\">*<\/span><\/label>\n              <select class=\"bf-select\" id=\"bfhNatio\">\n                <option value=\"\">\u2013 Bitte w\u00e4hlen Sie \u2013<\/option>\n                <option value=\"CH\">\ud83c\udde8\ud83c\udded Schweizer\/in (CH)<\/option>\n                <option value=\"B\">Ausweis B \u2013 Aufenthaltsbewilligung<\/option>\n                <option value=\"C\">Ausweis C \u2013 Niederlassungsbewilligung<\/option>\n                <option value=\"G\">Ausweis G \u2013 Grenzg\u00e4nger\/in<\/option>\n              <\/select>\n            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr1\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"1\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 2 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS2\">\n            <div class=\"bf-step-title\">Eink\u00fcnfte<\/div>\n            <div class=\"bf-step-desc\">Ihr monatliches Nettoeinkommen nach Abzug der Sozialversicherungen.<\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Monatliches Nettoeinkommen                <span class=\"bf-info\" data-tip=\"Lohn nach AHV, IV, ALV und BVG, vor Quellensteuer.\">i<\/span>\n                <span class=\"req\"> *<\/span>\n              <\/label>\n              <input class=\"bf-input\" id=\"bfhEk\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"z.B. 5000\">\n              <div style=\"margin-top:7px\">\n                <div style=\"font-size:10.5px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.5px;margin-bottom:5px\">Anzahl Monatsl\u00f6hne<\/div>\n                <div class=\"bf-toggle-row\">\n                  <button type=\"button\" class=\"bf-toggle active\" id=\"bfhT12\" data-bf-mt=\"12\">12<\/button>\n                  <button type=\"button\" class=\"bf-toggle\" id=\"bfhT13\" data-bf-mt=\"13\">13<\/button>\n                <\/div>\n              <\/div>\n              <input type=\"hidden\" id=\"bfhMt\" value=\"12\">\n              <div class=\"bf-jahresek\"><span id=\"bfhEkJLbl\">J\u00e4hrliches Nettoeinkommen:<\/span> <strong id=\"bfhEkJ\">\u2013<\/strong><\/div>\n            <\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Nebenjob \/ Zusatz (CHF\/Mt.)<\/label>\n                <input class=\"bf-input\" id=\"bfhZusatz\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Andere Eink\u00fcnfte (Bonus etc.)<\/label>\n                <input class=\"bf-input\" id=\"bfhAndere\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n                <div class=\"bf-hint\">J\u00e4hrlicher Betrag \u00f7 12<\/div>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-group\" id=\"bfhGrpPartner\" style=\"display:none\">\n              <label class=\"bf-label\">Nettoeinkommen Partner\/in (CHF\/Mt.)<\/label>\n              <input class=\"bf-input\" id=\"bfhEkP\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n              <div style=\"margin-top:7px\">\n                <div class=\"bf-toggle-row\">\n                  <button type=\"button\" class=\"bf-toggle active\" id=\"bfhTP12\" data-bf-mtp=\"12\">12<\/button>\n                  <button type=\"button\" class=\"bf-toggle\" id=\"bfhTP13\" data-bf-mtp=\"13\">13<\/button>\n                <\/div>\n              <\/div>\n              <input type=\"hidden\" id=\"bfhMtP\" value=\"12\">\n              <div class=\"bf-jahresek\"><span>J\u00e4hrliches Nettoeinkommen:<\/span> <strong id=\"bfhEkPJ\">\u2013<\/strong><\/div>\n            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr2\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"2\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"2\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 3 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS3\">\n            <div class=\"bf-step-title\">Ausgaben pro Monat<\/div>\n            <div class=\"bf-step-desc\">Grundbedarf und Kinderkosten werden nach dem Kreisschreiben Ihres Kantons berechnet.<\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Grundbedarf (pauschal)                  <span class=\"bf-info\" data-tip=\"Betreibungsrechtliches Existenzminimum nach dem Kreisschreiben Ihres Wohnkantons.\">i<\/span>\n                <\/label>\n                <input class=\"bf-input readonly\" id=\"bfhGrundbedarf\" type=\"text\" readonly tabindex=\"-1\">\n              <\/div>\n              <div class=\"bf-group\" id=\"bfhGrpKinderK\">\n                <label class=\"bf-label\">Kinderkosten (pauschal)                  <span class=\"bf-info\" id=\"bfhKinderTip\" data-tip=\"\">i<\/span>\n                <\/label>\n                <input class=\"bf-input readonly\" id=\"bfhKinderK\" type=\"text\" readonly tabindex=\"-1\">\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Miete \/ Hypothek \u2013 Ihr Anteil (CHF\/Mt.)<\/label>\n              <input class=\"bf-input\" id=\"bfhMiete\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"z.B. 1200\">\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Krankenkassenpr\u00e4mie gesamt (CHF\/Mt.) <span class=\"req\">*<\/span>\n                <span class=\"bf-info\" data-tip=\"Gesamtbetrag f\u00fcr alle Haushaltsmitglieder.\">i<\/span>\n              <\/label>\n              <input class=\"bf-input\" id=\"bfhKK\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"z.B. 450\">\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Transportmittel Arbeitsplatz<\/label>\n              <!-- data-transport traegt den deutschen Wert, den das Antragsformular\n                   erwartet. Er darf NICHT aus dem sichtbaren Text abgeleitet werden:\n                   TranslatePress uebersetzt die Beschriftung, das data-Attribut nicht. -->\n              <select class=\"bf-select\" id=\"bfhTransport\">\n                <option value=\"0\"   data-transport=\"Zu Fuss\">Zu Fuss (CHF 0\/Mt.)<\/option>\n                <option value=\"50\"  data-transport=\"Velo\">Velo (CHF 50\/Mt.)<\/option>\n                <option value=\"100\" data-transport=\"Motorrad\">Motorrad (CHF 100\/Mt.)<\/option>\n                <option value=\"190\" data-transport=\"\u00d6ffentlicher Verkehr\">\u00d6ffentliche Verkehrsmittel (CHF 190\/Mt.)<\/option>\n                <option value=\"190\" data-transport=\"Auto\" selected>Auto (CHF 190\/Mt.)<\/option>\n                <option value=\"0\"   data-transport=\"Gesch\u00e4ftsauto\">Gesch\u00e4ftsauto (CHF 0\/Mt.)<\/option>\n              <\/select>\n            <\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Verpflegung (CHF\/Mt.)                  <span class=\"bf-info\" data-tip=\"Arbeitsbedingte Verpflegungskosten ausser Haus.\">i<\/span>\n                <\/label>\n                <input class=\"bf-input\" id=\"bfhVerpfl\" type=\"number\" inputmode=\"decimal\" min=\"0\" value=\"100\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Weitere Ausgaben (CHF\/Mt.)                  <span class=\"bf-info\" data-tip=\"Leasing, Kreditkarten, Kinderbetreuung etc.\">i<\/span>\n                <\/label>\n                <input class=\"bf-input\" id=\"bfhWeitere\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr3\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"3\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"3\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 4 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS4\">\n            <div class=\"bf-step-title\">Weitere Angaben<\/div>\n            <div class=\"bf-step-desc\">Schnell fertig \u2013 noch ein paar letzte Details.<\/div>\n\n            <div class=\"bf-group\" id=\"bfhGrpAlimente\" style=\"display:none\">\n              <label class=\"bf-label\">Alimente (CHF\/Mt.)<\/label>\n              <input class=\"bf-input\" id=\"bfhAlimente\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n            <\/div>\n\n            <div style=\"background:var(--gray-light);border-radius:var(--radius);padding:14px 16px;font-size:12.5px;color:var(--gray);line-height:1.6;\">\n              <strong style=\"color:var(--navy);\">\u2139 Hinweis:<\/strong><br>\n              Diese Berechnung basiert auf dem Schweizer Konsumkreditgesetz (KKG) und ist eine erste Orientierung. Die tats\u00e4chliche Kreditvergabe h\u00e4ngt von Bonit\u00e4t, ZEK-Score und Bankrichtlinien ab.            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr4\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"4\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"4\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 5 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS5\">\n            <div class=\"bf-step-title\">Schnell geschafft!<\/div>\n            <div class=\"bf-step-desc\">Geben Sie Ihre Kontaktdaten ein, um Ihren Kreditrahmen zu erhalten.<\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Vorname <span class=\"req\">*<\/span><\/label>\n                <input class=\"bf-input\" id=\"bfhVorname\" type=\"text\" placeholder=\"Max\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Name <span class=\"req\">*<\/span><\/label>\n                <input class=\"bf-input\" id=\"bfhName\" type=\"text\" placeholder=\"Mustermann\">\n              <\/div>\n            <\/div>\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">E-Mail-Adresse <span class=\"req\">*<\/span><\/label>\n              <input class=\"bf-input\" id=\"bfhEmail\" type=\"email\" placeholder=\"max.mustermann@beispiel.ch\">\n            <\/div>\n            <div class=\"bf-dsgvo\">\n              \ud83d\udd12 Ihre Daten werden vertraulich behandelt und nicht an Dritte weitergegeben. Die Berechnung ist unverbindlich.            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr5\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"5\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-calc\" id=\"bfhCalcBtn\">\n                <svg width=\"17\" height=\"17\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"M12 6v6l4 2\"\/><\/svg>\n                Kreditrahmen berechnen              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 ERGEBNIS \u2500\u2500 -->\n          <div class=\"bf-result\" id=\"bfhResult\">\n            <div class=\"bf-result-card\">\n              <div class=\"bf-result-label\">Ihr Finanzierungsspielraum<\/div>\n              <div class=\"bf-result-amount\" id=\"bfhResBetrag\">\u2013<\/div>\n              <div class=\"bf-result-sub\" id=\"bfhResSub\"><\/div>\n            <\/div>\n            <div class=\"bf-result-details\">\n              <div style=\"font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;color:var(--gray);margin-bottom:10px\">Ihre Budget\u00fcbersicht<\/div>\n              <div class=\"bf-detail-row\">\n                <span class=\"bf-detail-label\">Gesamteinnahmen<\/span>\n                <span class=\"bf-detail-val plus\" id=\"bfhResEin\">\u2013<\/span>\n              <\/div>\n              <div class=\"bf-detail-row\">\n                <span class=\"bf-detail-label\">Grundbedarf &amp; Kosten<\/span>\n                <span class=\"bf-detail-val minus\" id=\"bfhResAus\">\u2013<\/span>\n              <\/div>\n              <div class=\"bf-detail-row\">\n                <span class=\"bf-detail-label\">Steuern (Quellensteuer)<\/span>\n                <span class=\"bf-detail-val minus\" id=\"bfhResSteu\">\u2013<\/span>\n              <\/div>\n              <!-- Herkunft des Steuersatzes, von JavaScript gefuellt -->\n              <div class=\"bf-detail-note\" id=\"bfhResSteuNote\" style=\"display:none\"><\/div>\n              <div class=\"bf-detail-row\" style=\"border-top:2px solid var(--navy);margin-top:4px;padding-top:10px\">\n                <span class=\"bf-detail-label\" style=\"font-weight:700;color:var(--navy)\">Freies Budget \/ Monat<\/span>\n                <span class=\"bf-detail-val\" id=\"bfhResBudget\" style=\"font-size:14px\">\u2013<\/span>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-hinweis-ok\" id=\"bfhHinweisOk\" style=\"display:none\">\n              <div style=\"font-size:12.5px;font-weight:700;color:#166534;margin-bottom:5px\">Das sieht gut aus. \u2713<\/div>\n              <div style=\"font-size:12.5px;color:#15803d;line-height:1.6\">\n                Ihr Kreditwunsch liegt voraussichtlich innerhalb Ihres Budgets. F\u00fcr eine Kreditvergabe werden weitere Faktoren ber\u00fccksichtigt, insbesondere Ihre Bonit\u00e4t. Die Expertinnen und Experten von Best Finance helfen Ihnen beim n\u00e4chsten Schritt.              <\/div>\n            <\/div>\n\n            <div class=\"bf-hinweis-nok\" id=\"bfhHinweisNok\" style=\"display:none\">\n              <div style=\"font-size:12.5px;font-weight:700;color:#9a3412;margin-bottom:5px\">Budget nicht ausreichend f\u00fcr eine Kreditvergabe.<\/div>\n              <div style=\"font-size:12.5px;color:#c2410c;line-height:1.6;margin-bottom:8px\">\n                Basierend auf Ihren Angaben reicht das freie Budget aktuell nicht f\u00fcr einen Kredit. Das sch\u00fctzt Sie vor \u00dcberschuldung (KKG).              <\/div>\n              <div class=\"bf-nok-tips\">\n                <div class=\"bf-nok-tip\"><span class=\"bf-nok-tip-icon\">\ud83d\udc65<\/span>\n                  <div><strong>Partner hinzuf\u00fcgen:<\/strong> Bei einer gemeinsamen Anfrage k\u00f6nnen beide Einkommen ber\u00fccksichtigt werden.<\/div>\n                <\/div>\n                <div class=\"bf-nok-tip\"><span class=\"bf-nok-tip-icon\">\ud83d\udcc9<\/span>\n                  <div><strong>Ausgaben pr\u00fcfen:<\/strong> Bestehende Kredite oder Leasing zu b\u00fcndeln kann die monatliche Belastung senken.<\/div>\n                <\/div>\n                <div class=\"bf-nok-tip\"><span class=\"bf-nok-tip-icon\">\ud83d\udcac<\/span>\n                  <div><strong>Pers\u00f6nliche Beratung:<\/strong> Unsere Fachleute finden individuelle L\u00f6sungen \u2013 oft gibt es Spielraum, den der Rechner nicht kennt.<\/div>\n                <\/div>\n              <\/div>\n              <div style=\"font-size:11.5px;color:#7c2d12;background:rgba(255,255,255,0.6);border-radius:8px;padding:9px 12px;line-height:1.6;margin-top:10px;\">\n                <strong>\u26a0 Seien Sie aufmerksam:<\/strong> Lassen Sie sich nicht von angeblichen \u00abKrediten ohne Bonit\u00e4tspr\u00fcfung\u00bb blenden. Kein seri\u00f6ser Kreditgeber in der Schweiz bietet das an.              <\/div>\n            <\/div>\n\n            <a href=\"#\" id=\"bfhCtaLink\" class=\"bf-cta-btn\">\n              <svg width=\"17\" height=\"17\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              In 2 Minuten zur Anfrage \u2013 jetzt starten!            <\/a>\n            <div style=\"text-align:center;font-size:11px;color:var(--gray);margin-bottom:12px\">\n              Kostenlos und unverbindlich \u00b7 Keine ZEK-Anfrage            <\/div>\n            <span class=\"bf-restart\" id=\"bfhRestart\">\ud83d\udd04 Neue Berechnung starten<\/span>\n          <\/div>\n\n        <\/div><!-- \/bf-wrap -->\n      <\/div><!-- \/bfh-card -->\n\n<\/div><!-- \/bfh-root -->\n als Text, ist das Plugin nicht aktiv\r\n   oder noch auf 1.0.0.\r\n\r\n CSS\r\n   Es wird hier bewusst kein CSS eingebunden. Das Stylesheet des Plugins enth\u00e4lt\r\n   s\u00e4mtliche bfh-Klassen dieses Hero-Bereichs und wird geladen, sobald der\r\n   Shortcode auf der Seite steht.\r\n================================================================================\r\n-->\r\n\r\n<div class=\"bfh-root\">\r\n<section class=\"bfh-hero\">\r\n\r\n  <div class=\"bfh-wave\">\r\n    <svg viewBox=\"0 0 1440 40\" preserveAspectRatio=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\r\n      <path d=\"M0,40 C360,0 1080,0 1440,40 L1440,40 L0,40 Z\" fill=\"#ffffff\"\/>\r\n    <\/svg>\r\n  <\/div>\r\n\r\n  <div class=\"bfh-inner\">\r\n\r\n    <!-- \u2550\u2550 LINKS: TEXT \u2550\u2550 -->\r\n    <div class=\"bfh-left\">\r\n\r\n      <div class=\"bfh-badge\">\r\n        <span class=\"bfh-pulse\"><\/span>\r\n        Anonym &amp; unverbindlich\r\n      <\/div>\r\n\r\n      <h1 class=\"bfh-h1\">\r\n        Kredit Budget&nbsp;Rechner \u2013<br>\r\n        <em>Wie viel Kredit<\/em><br>\r\n        bekomme ich?\r\n      <\/h1>\r\n\r\n      <p class=\"bfh-sub\">\r\n        Berechnen Sie Ihren pers\u00f6nlichen Kreditrahmen in wenigen Minuten \u2013\r\n        KKG-konform, ohne ZEK-Anfrage, kostenlos.\r\n      <\/p>\r\n\r\n      <div class=\"bfh-trust\">\r\n        <div class=\"bfh-trust-item\">\r\n          <span class=\"bfh-trust-icon\">\r\n            <svg width=\"10\" height=\"10\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#10b981\" stroke-width=\"3\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg>\r\n          <\/span>\r\n          Seit 2004 Ihr Spezialist f\u00fcr Privatkredite\r\n        <\/div>\r\n        <div class=\"bfh-trust-item\">\r\n          <span class=\"bfh-trust-icon\">\r\n            <svg width=\"10\" height=\"10\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#10b981\" stroke-width=\"3\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg>\r\n          <\/span>\r\n          5+ Partnerbanken im direkten Vergleich\r\n        <\/div>\r\n        <div class=\"bfh-trust-item\">\r\n          <span class=\"bfh-trust-icon\">\r\n            <svg width=\"10\" height=\"10\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#10b981\" stroke-width=\"3\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg>\r\n          <\/span>\r\n          Zinsen ab 4.9% effektivem Jahreszins\r\n        <\/div>\r\n        <div class=\"bfh-trust-item\">\r\n          <span class=\"bfh-trust-icon\">\r\n            <svg width=\"10\" height=\"10\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#10b981\" stroke-width=\"3\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg>\r\n          <\/span>\r\n          Keine Bearbeitungsgeb\u00fchren \u2013 100% kostenlos\r\n        <\/div>\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n    <!-- \u2550\u2550 RECHTS: RECHNER \u2550\u2550 -->\r\n    <div>\r\n      <div class=\"bfh-root bfh-nur-karte\" data-bf-budget=\"3\">\n\n      <div class=\"bfh-card\">\n        <div class=\"bfh-card-top\">\n          <div>\n            <div class=\"bfh-card-top-title\">Kreditrahmen berechnen<\/div>\n            <div class=\"bfh-card-top-sub\">Schritt f\u00fcr Schritt \u2013 dauert ca. 2 Minuten<\/div>\n          <\/div>\n          <div class=\"bfh-card-top-icon\">\n            <svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"rgba(255,255,255,.8)\" stroke-width=\"2\">\n              <rect x=\"2\" y=\"3\" width=\"20\" height=\"18\" rx=\"2\"\/><path d=\"M8 10h8M8 14h5\"\/><circle cx=\"17\" cy=\"14\" r=\"3\"\/>\n            <\/svg>\n          <\/div>\n        <\/div>\n\n        <div class=\"bf-wrap\" id=\"bfhWrap\">\n\n          <div class=\"bf-progress-wrap\" id=\"bfhProgressWrap\">\n            <div class=\"bf-step-label\">\n              <span id=\"bfhStepLbl\">Schritt 1 von 5<\/span>\n              <span id=\"bfhPctLbl\">20%<\/span>\n            <\/div>\n            <div class=\"bf-bar-bg\"><div class=\"bf-bar\" id=\"bfhBar\" style=\"width:20%\"><\/div><\/div>\n          <\/div>\n          <div class=\"bf-steps-dots\" id=\"bfhDots\">\n            <div class=\"bf-dot active\" id=\"bfhDot1\"><\/div><div class=\"bf-dot\" id=\"bfhDot2\"><\/div>\n            <div class=\"bf-dot\" id=\"bfhDot3\"><\/div><div class=\"bf-dot\" id=\"bfhDot4\"><\/div>\n            <div class=\"bf-dot\" id=\"bfhDot5\"><\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 1 \u2500\u2500 -->\n          <div class=\"bf-step active\" id=\"bfhS1\">\n            <div class=\"bf-step-title\">Pers\u00f6nliche Daten<\/div>\n            <div class=\"bf-step-desc\">Wir \u00fcberpr\u00fcfen Ihren finanziellen Spielraum \u2013 anonym und unverbindlich.<\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Geburtsjahr <span class=\"req\">*<\/span><\/label>\n                <select class=\"bf-select\" id=\"bfhJahr\"><\/select>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-row cols3\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Postleitzahl<\/label>\n                <input class=\"bf-input\" id=\"bfhPlz\" type=\"text\" inputmode=\"numeric\" maxlength=\"4\" placeholder=\"z.B. 5000\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Wohnort<\/label>\n                <input class=\"bf-input readonly\" id=\"bfhOrt\" type=\"text\" placeholder=\"Aarau\" readonly>\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Kanton <span class=\"req\">*<\/span>\n                  <span class=\"bf-info\" data-tip=\"Der Kanton bestimmt Steuersatz und gesetzlichen Grundbedarf.\">i<\/span>\n                <\/label>\n                <select class=\"bf-select\" id=\"bfhKanton\">\n                  <option value=\"\">\u2013 w\u00e4hlen \u2013<\/option>\n                  <option>AG<\/option><option>AI<\/option><option>AR<\/option><option>BE<\/option><option>BL<\/option>\n                  <option>BS<\/option><option>FR<\/option><option>GE<\/option><option>GL<\/option><option>GR<\/option>\n                  <option>JU<\/option><option>LU<\/option><option>NE<\/option><option>NW<\/option><option>OW<\/option>\n                  <option>SG<\/option><option>SH<\/option><option>SO<\/option><option>SZ<\/option><option>TG<\/option>\n                  <option>TI<\/option><option>UR<\/option><option>VD<\/option><option>VS<\/option><option>ZG<\/option>\n                  <option>ZH<\/option>\n                <\/select>\n              <\/div>\n            <\/div>\n            <input type=\"hidden\" id=\"bfhSteuern\" value=\"10\">\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Zivilstand <span class=\"req\">*<\/span><\/label>\n                <select class=\"bf-select\" id=\"bfhZivil\">\n                  <option value=\"\">\u2013 Bitte w\u00e4hlen Sie \u2013<\/option>\n                  <option value=\"ledig\">Ledig<\/option>\n                  <option value=\"verheiratet\">Verheiratet<\/option>\n                  <option value=\"konkubinat\">Konkubinat<\/option>\n                  <option value=\"eingetragene_partnerschaft\">Eingetragene Partnerschaft<\/option>\n                  <option value=\"geschieden\">Geschieden<\/option>\n                  <option value=\"verwitwet\">Verwitwet<\/option>\n                <\/select>\n              <\/div>\n              <div class=\"bf-group\">\n                <!-- value = Kategorie, nicht Betrag: der Grundbedarf haengt vom Kanton ab -->\n                <label class=\"bf-label\">Wohnsituation <span class=\"req\">*<\/span><\/label>\n                <select class=\"bf-select\" id=\"bfhWohnSit\">\n                  <option value=\"\">\u2013 Bitte w\u00e4hlen Sie \u2013<\/option>\n                  <option value=\"allein\">Allein<\/option>\n                  <option value=\"allein_hg\">Allein mit Erwachsenen<\/option>\n                  <option value=\"ehepaar\">Mit Partner\/in (Ehepaar)<\/option>\n                  <option value=\"alleinerz\">Alleinerziehend<\/option>\n                  <option value=\"alleinerz_hg\">Alleinerziehend mit Erwachsenen<\/option>\n                <\/select>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Anzahl Kinder                <span class=\"bf-info\" data-tip=\"Kinder bis 25 Jahre werden ber\u00fccksichtigt.\">i<\/span>\n              <\/label>\n              <select class=\"bf-select\" id=\"bfhKinderAnz\">\n                <option value=\"0\">Keine Kinder<\/option>\n                <option value=\"1\">1<\/option><option value=\"2\">2<\/option><option value=\"3\">3<\/option>\n                <option value=\"4\">4<\/option><option value=\"5\">5<\/option>\n              <\/select>\n            <\/div>\n            <div class=\"bf-kinder-grid\" id=\"bfhKinderGrid\" style=\"display:none\"><\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Nationalit\u00e4t \/ Aufenthaltstitel <span class=\"req\">*<\/span><\/label>\n              <select class=\"bf-select\" id=\"bfhNatio\">\n                <option value=\"\">\u2013 Bitte w\u00e4hlen Sie \u2013<\/option>\n                <option value=\"CH\">\ud83c\udde8\ud83c\udded Schweizer\/in (CH)<\/option>\n                <option value=\"B\">Ausweis B \u2013 Aufenthaltsbewilligung<\/option>\n                <option value=\"C\">Ausweis C \u2013 Niederlassungsbewilligung<\/option>\n                <option value=\"G\">Ausweis G \u2013 Grenzg\u00e4nger\/in<\/option>\n              <\/select>\n            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr1\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"1\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 2 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS2\">\n            <div class=\"bf-step-title\">Eink\u00fcnfte<\/div>\n            <div class=\"bf-step-desc\">Ihr monatliches Nettoeinkommen nach Abzug der Sozialversicherungen.<\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Monatliches Nettoeinkommen                <span class=\"bf-info\" data-tip=\"Lohn nach AHV, IV, ALV und BVG, vor Quellensteuer.\">i<\/span>\n                <span class=\"req\"> *<\/span>\n              <\/label>\n              <input class=\"bf-input\" id=\"bfhEk\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"z.B. 5000\">\n              <div style=\"margin-top:7px\">\n                <div style=\"font-size:10.5px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.5px;margin-bottom:5px\">Anzahl Monatsl\u00f6hne<\/div>\n                <div class=\"bf-toggle-row\">\n                  <button type=\"button\" class=\"bf-toggle active\" id=\"bfhT12\" data-bf-mt=\"12\">12<\/button>\n                  <button type=\"button\" class=\"bf-toggle\" id=\"bfhT13\" data-bf-mt=\"13\">13<\/button>\n                <\/div>\n              <\/div>\n              <input type=\"hidden\" id=\"bfhMt\" value=\"12\">\n              <div class=\"bf-jahresek\"><span id=\"bfhEkJLbl\">J\u00e4hrliches Nettoeinkommen:<\/span> <strong id=\"bfhEkJ\">\u2013<\/strong><\/div>\n            <\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Nebenjob \/ Zusatz (CHF\/Mt.)<\/label>\n                <input class=\"bf-input\" id=\"bfhZusatz\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Andere Eink\u00fcnfte (Bonus etc.)<\/label>\n                <input class=\"bf-input\" id=\"bfhAndere\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n                <div class=\"bf-hint\">J\u00e4hrlicher Betrag \u00f7 12<\/div>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-group\" id=\"bfhGrpPartner\" style=\"display:none\">\n              <label class=\"bf-label\">Nettoeinkommen Partner\/in (CHF\/Mt.)<\/label>\n              <input class=\"bf-input\" id=\"bfhEkP\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n              <div style=\"margin-top:7px\">\n                <div class=\"bf-toggle-row\">\n                  <button type=\"button\" class=\"bf-toggle active\" id=\"bfhTP12\" data-bf-mtp=\"12\">12<\/button>\n                  <button type=\"button\" class=\"bf-toggle\" id=\"bfhTP13\" data-bf-mtp=\"13\">13<\/button>\n                <\/div>\n              <\/div>\n              <input type=\"hidden\" id=\"bfhMtP\" value=\"12\">\n              <div class=\"bf-jahresek\"><span>J\u00e4hrliches Nettoeinkommen:<\/span> <strong id=\"bfhEkPJ\">\u2013<\/strong><\/div>\n            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr2\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"2\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"2\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 3 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS3\">\n            <div class=\"bf-step-title\">Ausgaben pro Monat<\/div>\n            <div class=\"bf-step-desc\">Grundbedarf und Kinderkosten werden nach dem Kreisschreiben Ihres Kantons berechnet.<\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Grundbedarf (pauschal)                  <span class=\"bf-info\" data-tip=\"Betreibungsrechtliches Existenzminimum nach dem Kreisschreiben Ihres Wohnkantons.\">i<\/span>\n                <\/label>\n                <input class=\"bf-input readonly\" id=\"bfhGrundbedarf\" type=\"text\" readonly tabindex=\"-1\">\n              <\/div>\n              <div class=\"bf-group\" id=\"bfhGrpKinderK\">\n                <label class=\"bf-label\">Kinderkosten (pauschal)                  <span class=\"bf-info\" id=\"bfhKinderTip\" data-tip=\"\">i<\/span>\n                <\/label>\n                <input class=\"bf-input readonly\" id=\"bfhKinderK\" type=\"text\" readonly tabindex=\"-1\">\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Miete \/ Hypothek \u2013 Ihr Anteil (CHF\/Mt.)<\/label>\n              <input class=\"bf-input\" id=\"bfhMiete\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"z.B. 1200\">\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Krankenkassenpr\u00e4mie gesamt (CHF\/Mt.) <span class=\"req\">*<\/span>\n                <span class=\"bf-info\" data-tip=\"Gesamtbetrag f\u00fcr alle Haushaltsmitglieder.\">i<\/span>\n              <\/label>\n              <input class=\"bf-input\" id=\"bfhKK\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"z.B. 450\">\n            <\/div>\n\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">Transportmittel Arbeitsplatz<\/label>\n              <!-- data-transport traegt den deutschen Wert, den das Antragsformular\n                   erwartet. Er darf NICHT aus dem sichtbaren Text abgeleitet werden:\n                   TranslatePress uebersetzt die Beschriftung, das data-Attribut nicht. -->\n              <select class=\"bf-select\" id=\"bfhTransport\">\n                <option value=\"0\"   data-transport=\"Zu Fuss\">Zu Fuss (CHF 0\/Mt.)<\/option>\n                <option value=\"50\"  data-transport=\"Velo\">Velo (CHF 50\/Mt.)<\/option>\n                <option value=\"100\" data-transport=\"Motorrad\">Motorrad (CHF 100\/Mt.)<\/option>\n                <option value=\"190\" data-transport=\"\u00d6ffentlicher Verkehr\">\u00d6ffentliche Verkehrsmittel (CHF 190\/Mt.)<\/option>\n                <option value=\"190\" data-transport=\"Auto\" selected>Auto (CHF 190\/Mt.)<\/option>\n                <option value=\"0\"   data-transport=\"Gesch\u00e4ftsauto\">Gesch\u00e4ftsauto (CHF 0\/Mt.)<\/option>\n              <\/select>\n            <\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Verpflegung (CHF\/Mt.)                  <span class=\"bf-info\" data-tip=\"Arbeitsbedingte Verpflegungskosten ausser Haus.\">i<\/span>\n                <\/label>\n                <input class=\"bf-input\" id=\"bfhVerpfl\" type=\"number\" inputmode=\"decimal\" min=\"0\" value=\"100\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Weitere Ausgaben (CHF\/Mt.)                  <span class=\"bf-info\" data-tip=\"Leasing, Kreditkarten, Kinderbetreuung etc.\">i<\/span>\n                <\/label>\n                <input class=\"bf-input\" id=\"bfhWeitere\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr3\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"3\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"3\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 4 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS4\">\n            <div class=\"bf-step-title\">Weitere Angaben<\/div>\n            <div class=\"bf-step-desc\">Schnell fertig \u2013 noch ein paar letzte Details.<\/div>\n\n            <div class=\"bf-group\" id=\"bfhGrpAlimente\" style=\"display:none\">\n              <label class=\"bf-label\">Alimente (CHF\/Mt.)<\/label>\n              <input class=\"bf-input\" id=\"bfhAlimente\" type=\"number\" inputmode=\"decimal\" min=\"0\" placeholder=\"0\">\n            <\/div>\n\n            <div style=\"background:var(--gray-light);border-radius:var(--radius);padding:14px 16px;font-size:12.5px;color:var(--gray);line-height:1.6;\">\n              <strong style=\"color:var(--navy);\">\u2139 Hinweis:<\/strong><br>\n              Diese Berechnung basiert auf dem Schweizer Konsumkreditgesetz (KKG) und ist eine erste Orientierung. Die tats\u00e4chliche Kreditvergabe h\u00e4ngt von Bonit\u00e4t, ZEK-Score und Bankrichtlinien ab.            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr4\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"4\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-next\" data-bf-next=\"4\">\n                Weiter                <svg width=\"15\" height=\"15\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 SCHRITT 5 \u2500\u2500 -->\n          <div class=\"bf-step\" id=\"bfhS5\">\n            <div class=\"bf-step-title\">Schnell geschafft!<\/div>\n            <div class=\"bf-step-desc\">Geben Sie Ihre Kontaktdaten ein, um Ihren Kreditrahmen zu erhalten.<\/div>\n\n            <div class=\"bf-row\">\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Vorname <span class=\"req\">*<\/span><\/label>\n                <input class=\"bf-input\" id=\"bfhVorname\" type=\"text\" placeholder=\"Max\">\n              <\/div>\n              <div class=\"bf-group\">\n                <label class=\"bf-label\">Name <span class=\"req\">*<\/span><\/label>\n                <input class=\"bf-input\" id=\"bfhName\" type=\"text\" placeholder=\"Mustermann\">\n              <\/div>\n            <\/div>\n            <div class=\"bf-group\">\n              <label class=\"bf-label\">E-Mail-Adresse <span class=\"req\">*<\/span><\/label>\n              <input class=\"bf-input\" id=\"bfhEmail\" type=\"email\" placeholder=\"max.mustermann@beispiel.ch\">\n            <\/div>\n            <div class=\"bf-dsgvo\">\n              \ud83d\udd12 Ihre Daten werden vertraulich behandelt und nicht an Dritte weitergegeben. Die Berechnung ist unverbindlich.            <\/div>\n\n            <div class=\"bf-error\" id=\"bfhErr5\"><\/div>\n            <div class=\"bf-btn-row\">\n              <button type=\"button\" class=\"bf-btn bf-btn-prev\" data-bf-prev=\"5\">\u2190 Zur\u00fcck<\/button>\n              <button type=\"button\" class=\"bf-btn bf-btn-calc\" id=\"bfhCalcBtn\">\n                <svg width=\"17\" height=\"17\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"M12 6v6l4 2\"\/><\/svg>\n                Kreditrahmen berechnen              <\/button>\n            <\/div>\n          <\/div>\n\n          <!-- \u2500\u2500 ERGEBNIS \u2500\u2500 -->\n          <div class=\"bf-result\" id=\"bfhResult\">\n            <div class=\"bf-result-card\">\n              <div class=\"bf-result-label\">Ihr Finanzierungsspielraum<\/div>\n              <div class=\"bf-result-amount\" id=\"bfhResBetrag\">\u2013<\/div>\n              <div class=\"bf-result-sub\" id=\"bfhResSub\"><\/div>\n            <\/div>\n            <div class=\"bf-result-details\">\n              <div style=\"font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;color:var(--gray);margin-bottom:10px\">Ihre Budget\u00fcbersicht<\/div>\n              <div class=\"bf-detail-row\">\n                <span class=\"bf-detail-label\">Gesamteinnahmen<\/span>\n                <span class=\"bf-detail-val plus\" id=\"bfhResEin\">\u2013<\/span>\n              <\/div>\n              <div class=\"bf-detail-row\">\n                <span class=\"bf-detail-label\">Grundbedarf &amp; Kosten<\/span>\n                <span class=\"bf-detail-val minus\" id=\"bfhResAus\">\u2013<\/span>\n              <\/div>\n              <div class=\"bf-detail-row\">\n                <span class=\"bf-detail-label\">Steuern (Quellensteuer)<\/span>\n                <span class=\"bf-detail-val minus\" id=\"bfhResSteu\">\u2013<\/span>\n              <\/div>\n              <!-- Herkunft des Steuersatzes, von JavaScript gefuellt -->\n              <div class=\"bf-detail-note\" id=\"bfhResSteuNote\" style=\"display:none\"><\/div>\n              <div class=\"bf-detail-row\" style=\"border-top:2px solid var(--navy);margin-top:4px;padding-top:10px\">\n                <span class=\"bf-detail-label\" style=\"font-weight:700;color:var(--navy)\">Freies Budget \/ Monat<\/span>\n                <span class=\"bf-detail-val\" id=\"bfhResBudget\" style=\"font-size:14px\">\u2013<\/span>\n              <\/div>\n            <\/div>\n\n            <div class=\"bf-hinweis-ok\" id=\"bfhHinweisOk\" style=\"display:none\">\n              <div style=\"font-size:12.5px;font-weight:700;color:#166534;margin-bottom:5px\">Das sieht gut aus. \u2713<\/div>\n              <div style=\"font-size:12.5px;color:#15803d;line-height:1.6\">\n                Ihr Kreditwunsch liegt voraussichtlich innerhalb Ihres Budgets. F\u00fcr eine Kreditvergabe werden weitere Faktoren ber\u00fccksichtigt, insbesondere Ihre Bonit\u00e4t. Die Expertinnen und Experten von Best Finance helfen Ihnen beim n\u00e4chsten Schritt.              <\/div>\n            <\/div>\n\n            <div class=\"bf-hinweis-nok\" id=\"bfhHinweisNok\" style=\"display:none\">\n              <div style=\"font-size:12.5px;font-weight:700;color:#9a3412;margin-bottom:5px\">Budget nicht ausreichend f\u00fcr eine Kreditvergabe.<\/div>\n              <div style=\"font-size:12.5px;color:#c2410c;line-height:1.6;margin-bottom:8px\">\n                Basierend auf Ihren Angaben reicht das freie Budget aktuell nicht f\u00fcr einen Kredit. Das sch\u00fctzt Sie vor \u00dcberschuldung (KKG).              <\/div>\n              <div class=\"bf-nok-tips\">\n                <div class=\"bf-nok-tip\"><span class=\"bf-nok-tip-icon\">\ud83d\udc65<\/span>\n                  <div><strong>Partner hinzuf\u00fcgen:<\/strong> Bei einer gemeinsamen Anfrage k\u00f6nnen beide Einkommen ber\u00fccksichtigt werden.<\/div>\n                <\/div>\n                <div class=\"bf-nok-tip\"><span class=\"bf-nok-tip-icon\">\ud83d\udcc9<\/span>\n                  <div><strong>Ausgaben pr\u00fcfen:<\/strong> Bestehende Kredite oder Leasing zu b\u00fcndeln kann die monatliche Belastung senken.<\/div>\n                <\/div>\n                <div class=\"bf-nok-tip\"><span class=\"bf-nok-tip-icon\">\ud83d\udcac<\/span>\n                  <div><strong>Pers\u00f6nliche Beratung:<\/strong> Unsere Fachleute finden individuelle L\u00f6sungen \u2013 oft gibt es Spielraum, den der Rechner nicht kennt.<\/div>\n                <\/div>\n              <\/div>\n              <div style=\"font-size:11.5px;color:#7c2d12;background:rgba(255,255,255,0.6);border-radius:8px;padding:9px 12px;line-height:1.6;margin-top:10px;\">\n                <strong>\u26a0 Seien Sie aufmerksam:<\/strong> Lassen Sie sich nicht von angeblichen \u00abKrediten ohne Bonit\u00e4tspr\u00fcfung\u00bb blenden. Kein seri\u00f6ser Kreditgeber in der Schweiz bietet das an.              <\/div>\n            <\/div>\n\n            <a href=\"#\" id=\"bfhCtaLink\" class=\"bf-cta-btn\">\n              <svg width=\"17\" height=\"17\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n              In 2 Minuten zur Anfrage \u2013 jetzt starten!            <\/a>\n            <div style=\"text-align:center;font-size:11px;color:var(--gray);margin-bottom:12px\">\n              Kostenlos und unverbindlich \u00b7 Keine ZEK-Anfrage            <\/div>\n            <span class=\"bf-restart\" id=\"bfhRestart\">\ud83d\udd04 Neue Berechnung starten<\/span>\n          <\/div>\n\n        <\/div><!-- \/bf-wrap -->\n      <\/div><!-- \/bfh-card -->\n\n<\/div><!-- \/bfh-root -->\n\r\n    <\/div>\r\n\r\n  <\/div><!-- \/bfh-inner -->\r\n<\/section>\r\n<\/div><!-- \/bfh-root -->\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-244b1fc e-flex e-con-boxed e-con e-parent\" data-id=\"244b1fc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ae6139 elementor-widget elementor-widget-html\" data-id=\"6ae6139\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n   SCOPE: .bflp-root  \u2192  kein Konflikt mit Elementor \/ WP-Theme\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.bflp-root *,.bflp-root *::before,.bflp-root *::after{box-sizing:border-box;margin:0;padding:0;}\n.bflp-root{\n  --navy:      #1e3a5c;\n  --navy-deep: #122540;\n  --navy-lt:   #2a4f7a;\n  --blue:      #3b82f6;\n  --blue-lt:   #60a5fa;\n  --blue-pale: #eff6ff;\n  --green:     #10b981;\n  --green-dk:  #059669;\n  --gold:      #f59e0b;\n  --red:       #ef4444;\n  --white:     #ffffff;\n  --g50:       #f8fafc;\n  --g100:      #f1f5f9;\n  --g200:      #e2e8f0;\n  --g300:      #cbd5e1;\n  --g400:      #94a3b8;\n  --g500:      #64748b;\n  --g600:      #475569;\n  --g700:      #334155;\n  --g800:      #1e293b;\n  --font:      'Plus Jakarta Sans', system-ui, sans-serif;\n  --serif:     'DM Serif Display', Georgia, serif;\n  --r:         12px;\n  --r-lg:      20px;\n  --r-xl:      28px;\n  --sh-sm:     0 1px 3px rgba(30,58,92,.08),0 1px 2px rgba(30,58,92,.05);\n  --sh-md:     0 4px 16px rgba(30,58,92,.10),0 2px 6px rgba(30,58,92,.06);\n  --sh-lg:     0 10px 40px rgba(30,58,92,.13),0 4px 12px rgba(30,58,92,.07);\n  font-family: var(--font);\n  color:       var(--g700);\n  -webkit-font-smoothing: antialiased;\n  line-height: 1.65;\n}\n\n\/* \u2500\u2500 Container \u2500\u2500 *\/\n.bflp-root .lp-wrap{max-width:1180px;margin:0 auto;padding:0 24px;}\n\n\/* \u2500\u2500 Section Base \u2500\u2500 *\/\n.bflp-root .lp-sec{padding:72px 0;}\n.bflp-root .lp-sec-alt{background:var(--g50);}\n\n.bflp-root .lp-label{\n  font-size:11.5px;font-weight:700;letter-spacing:.1em;\n  text-transform:uppercase;color:var(--blue);margin-bottom:10px;\n}\n.bflp-root .lp-title{\n  font-family:var(--serif);font-size:clamp(26px,3vw,40px);\n  color:var(--navy);line-height:1.2;margin-bottom:12px;font-weight:400;\n}\n.bflp-root .lp-sub{\n  font-size:17px;color:var(--g500);max-width:560px;line-height:1.65;\n}\n.bflp-root .lp-sec-head{margin-bottom:48px;}\n.bflp-root .lp-sec-head-center{margin-bottom:48px;text-align:center;}\n.bflp-root .lp-sec-head-center .lp-sub{margin:0 auto;}\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n   1 \u2013 TRUST BAR\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.bflp-root .trust-bar{\n  background:var(--white);\n  border-top:1px solid var(--g100);\n  border-bottom:1px solid var(--g100);\n  padding:0;\n}\n.bflp-root .trust-bar-inner{\n  display:flex;align-items:stretch;justify-content:center;\n  flex-wrap:wrap;\n}\n.bflp-root .trust-stat{\n  display:flex;flex-direction:column;align-items:center;justify-content:center;\n  padding:22px 36px;\n  border-right:1px solid var(--g200);\n  text-align:center;\n  transition:background .2s;\n}\n.bflp-root .trust-stat:last-child{border-right:none;}\n.bflp-root .trust-stat:hover{background:var(--g50);}\n.bflp-root .trust-stat-val{\n  font-family:var(--serif);font-size:28px;\n  color:var(--navy);line-height:1;margin-bottom:4px;\n}\n.bflp-root .trust-stat-lbl{font-size:12px;color:var(--g500);line-height:1.4;}\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n   2 \u2013 WIE ES FUNKTIONIERT (4 Schritte)\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.bflp-root .steps-grid{\n  display:grid;\n  grid-template-columns:repeat(4,1fr);\n  gap:24px;\n  position:relative;\n}\n\/* Verbindungslinie zwischen Cards *\/\n.bflp-root .steps-grid::before{\n  content:'';\n  position:absolute;\n  top:36px;left:calc(12.5% + 20px);right:calc(12.5% + 20px);\n  height:2px;\n  background:linear-gradient(90deg,var(--blue) 0%,var(--blue-lt) 100%);\n  opacity:.25;\n  z-index:0;\n}\n.bflp-root .step-card{\n  background:var(--white);\n  border:1px solid var(--g200);\n  border-radius:var(--r-lg);\n  padding:28px 22px;\n  position:relative;z-index:1;\n  transition:box-shadow .2s,transform .2s,border-color .2s;\n}\n.bflp-root .step-card:hover{\n  box-shadow:var(--sh-md);\n  transform:translateY(-3px);\n  border-color:var(--blue);\n}\n.bflp-root .step-num{\n  width:44px;height:44px;\n  background:linear-gradient(135deg,var(--blue) 0%,#2563eb 100%);\n  border-radius:12px;\n  display:flex;align-items:center;justify-content:center;\n  font-size:17px;font-weight:800;color:var(--white);\n  margin-bottom:18px;\n  box-shadow:0 4px 12px rgba(59,130,246,.3);\n}\n.bflp-root .step-card h3{\n  font-size:15.5px;font-weight:700;color:var(--navy);margin-bottom:8px;\n}\n.bflp-root .step-card p{font-size:14px;color:var(--g500);line-height:1.6;}\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n   3 \u2013 SEO CONTENT (Was ist ein Budget Rechner)\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.bflp-root .content-grid{\n  display:grid;grid-template-columns:1fr 1fr;\n  gap:64px;align-items:start;\n}\n.bflp-root .content-block h2{\n  font-family:var(--serif);font-size:clamp(24px,2.8vw,34px);\n  color:var(--navy);line-height:1.25;margin-bottom:16px;font-weight:400;\n}\n.bflp-root .content-block h3{\n  font-size:16.5px;font-weight:700;color:var(--navy);\n  margin:24px 0 8px;\n}\n.bflp-root .content-block p{\n  font-size:15.5px;color:var(--g600);line-height:1.72;margin-bottom:14px;\n}\n.bflp-root .content-block ul{\n  list-style:none;display:flex;flex-direction:column;gap:10px;margin:12px 0;\n}\n.bflp-root .content-block ul li{\n  font-size:15px;color:var(--g600);padding-left:24px;\n  position:relative;line-height:1.55;\n}\n.bflp-root .content-block ul li::before{\n  content:'\u2713';position:absolute;left:0;\n  color:var(--green);font-weight:700;\n}\n\n\/* Info card *\/\n.bflp-root .info-card{\n  background:var(--blue-pale);\n  border:1px solid rgba(59,130,246,.2);\n  border-radius:var(--r);\n  padding:20px 22px;margin:20px 0;\n}\n.bflp-root .info-card-title{\n  font-size:13.5px;font-weight:700;color:var(--navy);\n  margin-bottom:8px;display:flex;align-items:center;gap:8px;\n}\n.bflp-root .info-card p{font-size:14px;color:var(--g600);margin-bottom:0 !important;}\n\n\/* Budget visual \/ Beispielrechnung *\/\n.bflp-root .budget-visual{\n  background:var(--white);border:1px solid var(--g200);\n  border-radius:var(--r-lg);padding:28px 26px;\n  box-shadow:var(--sh-sm);\n}\n.bflp-root .budget-visual-title{\n  font-size:14px;font-weight:700;color:var(--navy);\n  margin-bottom:18px;padding-bottom:14px;\n  border-bottom:1px solid var(--g100);\n  display:flex;align-items:center;gap:8px;\n}\n.bflp-root .budget-row{\n  display:flex;align-items:center;justify-content:space-between;\n  padding:10px 0;border-bottom:1px solid var(--g50);\n}\n.bflp-root .budget-row:last-child{border-bottom:none;}\n.bflp-root .budget-row-lbl{\n  font-size:14px;color:var(--g600);\n  display:flex;align-items:center;gap:10px;\n}\n.bflp-root .budget-row-lbl .dot{width:8px;height:8px;border-radius:50%;flex-shrink:0;}\n.bflp-root .budget-row-val{font-size:14px;font-weight:700;color:var(--g800);}\n.bflp-root .budget-row-val.pos{color:var(--green);}\n.bflp-root .budget-row-val.res{color:var(--navy);font-size:16px;}\n.bflp-root .budget-divider{\n  border:none;border-top:2px solid var(--g200);margin:4px 0;\n}\n.bflp-root .budget-result-row{\n  display:flex;align-items:center;justify-content:space-between;\n  padding:12px 0 0;\n}\n.bflp-root .budget-result-lbl{font-size:14px;font-weight:700;color:var(--blue);}\n.bflp-root .budget-result-val{\n  font-family:var(--serif);font-size:24px;color:var(--navy);\n}\n.bflp-root .budget-note{\n  font-size:11.5px;color:var(--g400);margin-top:14px;line-height:1.55;\n}\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n   4 \u2013 PARTNERBANKEN\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.bflp-root .banks-grid{\n  display:grid;grid-template-columns:repeat(5,1fr);gap:16px;\n}\n.bflp-root .bank-card{\n  background:var(--white);border:1px solid var(--g200);\n  border-radius:var(--r);\n  padding:22px 16px;\n  display:flex;align-items:center;justify-content:center;\n  min-height:76px;\n  transition:box-shadow .2s,border-color .2s,transform .2s;\n  cursor:default;\n}\n.bflp-root .bank-card:hover{\n  box-shadow:var(--sh-md);border-color:var(--blue);transform:translateY(-2px);\n}\n.bflp-root .bank-card span{\n  font-size:13.5px;font-weight:700;color:var(--navy);\n  text-align:center;line-height:1.35;\n}\n.bflp-root .banks-note{\n  text-align:center;font-size:12.5px;color:var(--g400);margin-top:18px;\n}\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n   5 \u2013 FAQ\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.bflp-root .faq-wrap{max-width:820px;margin:0 auto;}\n.bflp-root .faq-list{display:flex;flex-direction:column;gap:10px;}\n.bflp-root .faq-item{\n  background:var(--white);border:1px solid var(--g200);\n  border-radius:var(--r);overflow:hidden;\n  transition:box-shadow .2s;\n}\n.bflp-root .faq-item:hover{box-shadow:var(--sh-sm);}\n.bflp-root .faq-item.open{border-color:var(--blue);}\n.bflp-root .faq-q{\n  width:100%;background:none;border:none;text-align:left;\n  padding:18px 22px;cursor:pointer;\n  font-size:15.5px;font-weight:600;color:var(--navy);\n  font-family:var(--font);\n  display:flex;align-items:center;justify-content:space-between;gap:16px;\n}\n.bflp-root .faq-q:hover{color:var(--blue);}\n.bflp-root .faq-icon{\n  width:26px;height:26px;flex-shrink:0;\n  border-radius:50%;background:var(--g100);\n  display:flex;align-items:center;justify-content:center;\n  font-size:18px;color:var(--blue);\n  transition:transform .25s,background .2s,color .2s;\n  line-height:1;\n}\n.bflp-root .faq-item.open .faq-icon{\n  transform:rotate(45deg);background:var(--blue);color:var(--white);\n}\n.bflp-root .faq-a{\n  max-height:0;overflow:hidden;\n  transition:max-height .35s cubic-bezier(.4,0,.2,1),padding .2s;\n  font-size:15px;color:var(--g600);line-height:1.72;\n  padding:0 22px;\n}\n.bflp-root .faq-item.open .faq-a{max-height:600px;padding:0 22px 20px;}\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n   6 \u2013 CTA SECTION\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.bflp-root .cta-sec{\n  background:linear-gradient(135deg,var(--navy-deep) 0%,var(--navy) 55%,var(--navy-lt) 100%);\n  padding:80px 24px;text-align:center;position:relative;overflow:hidden;\n}\n.bflp-root .cta-sec::before{\n  content:'';position:absolute;inset:0;\n  background:radial-gradient(ellipse 60% 80% at 50% 50%,rgba(59,130,246,.18) 0%,transparent 70%);\n  pointer-events:none;\n}\n.bflp-root .cta-sec::after{\n  content:'';position:absolute;inset:0;\n  background-image:radial-gradient(rgba(255,255,255,.05) 1px,transparent 1px);\n  background-size:28px 28px;pointer-events:none;\n}\n.bflp-root .cta-inner{position:relative;z-index:1;max-width:700px;margin:0 auto;}\n.bflp-root .cta-badge{\n  display:inline-flex;align-items:center;gap:8px;\n  background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);\n  border-radius:100px;padding:6px 16px;\n  font-size:12.5px;font-weight:600;color:rgba(255,255,255,.88);\n  margin-bottom:22px;letter-spacing:.03em;backdrop-filter:blur(6px);\n}\n.bflp-root .cta-h2{\n  font-family:var(--serif);font-size:clamp(28px,4vw,46px);\n  color:var(--white);margin-bottom:14px;font-weight:400;line-height:1.2;\n}\n.bflp-root .cta-sub{\n  font-size:17px;color:rgba(255,255,255,.7);\n  margin-bottom:36px;max-width:480px;margin-left:auto;margin-right:auto;\n  line-height:1.65;\n}\n.bflp-root .cta-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;}\n.bflp-root .btn-white{\n  background:var(--white);color:var(--navy);\n  border:none;border-radius:10px;padding:15px 32px;\n  font-size:15px;font-weight:700;font-family:var(--font);\n  cursor:pointer;text-decoration:none;\n  display:inline-flex;align-items:center;gap:8px;\n  box-shadow:0 4px 20px rgba(0,0,0,.2);\n  transition:transform .15s,box-shadow .15s;\n}\n.bflp-root .btn-white:hover{transform:translateY(-2px);box-shadow:0 8px 28px rgba(0,0,0,.3);}\n.bflp-root .btn-outline{\n  background:transparent;color:rgba(255,255,255,.9);\n  border:1.5px solid rgba(255,255,255,.35);\n  border-radius:10px;padding:15px 32px;\n  font-size:15px;font-weight:600;font-family:var(--font);\n  cursor:pointer;text-decoration:none;\n  display:inline-flex;align-items:center;gap:8px;\n  transition:background .15s,border-color .15s;backdrop-filter:blur(6px);\n}\n.bflp-root .btn-outline:hover{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.6);}\n.bflp-root .cta-trust-row{\n  margin-top:28px;display:flex;align-items:center;\n  justify-content:center;gap:24px;flex-wrap:wrap;\n}\n.bflp-root .cta-trust-item{\n  font-size:13px;color:rgba(255,255,255,.5);\n  display:flex;align-items:center;gap:6px;\n}\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n   7 \u2013 DISCLAIMER\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.bflp-root .disclaimer{\n  background:var(--g50);border-top:1px solid var(--g200);\n  padding:22px 24px;\n}\n.bflp-root .disclaimer p{\n  font-size:11.5px;color:var(--g400);line-height:1.65;\n  max-width:940px;margin:0 auto;text-align:center;\n}\n.bflp-root .disclaimer strong{color:var(--g500);}\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n   RESPONSIVE\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n@media(max-width:1024px){\n  .bflp-root .steps-grid{grid-template-columns:repeat(2,1fr);}\n  .bflp-root .steps-grid::before{display:none;}\n  .bflp-root .banks-grid{grid-template-columns:repeat(3,1fr);}\n  .bflp-root .content-grid{grid-template-columns:1fr;gap:36px;}\n}\n@media(max-width:640px){\n  .bflp-root .lp-sec{padding:48px 0;}\n  .bflp-root .trust-stat{\n    width:50%;padding:16px 20px;\n    border-right:none;border-bottom:1px solid var(--g200);\n  }\n  .bflp-root .trust-stat:nth-child(odd){border-right:1px solid var(--g200);}\n  .bflp-root .trust-stat:nth-last-child(-n+2){border-bottom:none;}\n  .bflp-root .steps-grid{grid-template-columns:1fr;}\n  .bflp-root .banks-grid{grid-template-columns:repeat(2,1fr);}\n  .bflp-root .lp-sec-head,.bflp-root .lp-sec-head-center{margin-bottom:28px;}\n  .bflp-root .lp-sub{font-size:15.5px;}\n  .bflp-root .cta-sec{padding:56px 20px;}\n  .bflp-root .cta-btns{flex-direction:column;align-items:center;}\n  .bflp-root .btn-white,.bflp-root .btn-outline{width:100%;max-width:320px;justify-content:center;}\n  .bflp-root .cta-trust-row{gap:14px;}\n  .bflp-root .faq-q{font-size:14.5px;padding:16px 18px;}\n  .bflp-root .faq-item.open .faq-a{padding:0 18px 16px;}\n  .bflp-root .lp-wrap{padding:0 18px;}\n}\n@media(max-width:400px){\n  .bflp-root .banks-grid{grid-template-columns:1fr 1fr;}\n  .bflp-root .trust-stat-val{font-size:22px;}\n}\n<\/style>\n\n<div class=\"bflp-root\">\n\n  <!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n       1 \u2013 TRUST BAR\n  \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n  <div class=\"trust-bar\">\n    <div class=\"lp-wrap\">\n      <div class=\"trust-bar-inner\">\n        <div class=\"trust-stat\">\n          <div class=\"trust-stat-val\">20+<\/div>\n          <div class=\"trust-stat-lbl\">Des ann\u00e9es d&#039;exp\u00e9rience<br>depuis 2004<\/div>\n        <\/div>\n        <div class=\"trust-stat\">\n          <div class=\"trust-stat-val\">5+<\/div>\n          <div class=\"trust-stat-lbl\">Banques partenaires<br>en comparaison<\/div>\n        <\/div>\n        <div class=\"trust-stat\">\n          <div class=\"trust-stat-val\">4.9%<\/div>\n          <div class=\"trust-stat-lbl\">Int\u00e9r\u00eat de<br>taux d&#039;int\u00e9r\u00eat annuel effectif<\/div>\n        <\/div>\n        <div class=\"trust-stat\">\n          <div class=\"trust-stat-val\">CHF 0<\/div>\n          <div class=\"trust-stat-lbl\">Traitement-<br>frais<\/div>\n        <\/div>\n        <div class=\"trust-stat\">\n          <div class=\"trust-stat-val\">KKG<\/div>\n          <div class=\"trust-stat-lbl\">Se conformer<br>droit suisse<\/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\">C&#039;est aussi simple que \u00e7a.<\/div>\n        <h2 class=\"lp-title\" id=\"bflp-steps-title\">Obtenez votre pr\u00eat en 4 \u00e9tapes<\/h2>\n        <p class=\"lp-sub\">Du calcul du budget au versement \u2013 rapide, s\u00e9curis\u00e9 et avec un accompagnement personnalis\u00e9.<\/p>\n      <\/div>\n      <div class=\"steps-grid\">\n\n        <div class=\"step-card\">\n          <div class=\"step-num\">1<\/div>\n          <h3>Calculer le budget<\/h3>\n          <p>Saisissez vos revenus et vos d\u00e9penses dans notre calculateur de budget \u2013 de mani\u00e8re anonyme et sans engagement. Aucune enqu\u00eate ZEK ne sera effectu\u00e9e.<\/p>\n        <\/div>\n\n        <div class=\"step-card\">\n          <div class=\"step-num\">2<\/div>\n          <h3>Demander un cr\u00e9dit<\/h3>\n          <p>D\u00e9posez votre demande de pr\u00eat en ligne en quelques minutes seulement. Nous comparons pour vous les offres de plus de 5 banques partenaires suisses.<\/p>\n        <\/div>\n\n        <div class=\"step-card\">\n          <div class=\"step-num\">3<\/div>\n          <h3>Obtenez la meilleure offre<\/h3>\n          <p>Vous b\u00e9n\u00e9ficierez de l&#039;offre la plus avantageuse \u2013 votre conseiller personnel vous accompagnera tout au long du processus.<\/p>\n        <\/div>\n\n        <div class=\"step-card\">\n          <div class=\"step-num\">4<\/div>\n          <h3>Argent sur le compte<\/h3>\n          <p>Une fois le pr\u00eat approuv\u00e9, le montant sera transf\u00e9r\u00e9 directement sur votre compte bancaire suisse \u2013 g\u00e9n\u00e9ralement sous quelques jours.<\/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\">Que calcule le calculateur budg\u00e9taire pour les pr\u00eats\u00a0?<\/h2>\n          <p>\n            Le calculateur budg\u00e9taire de Best Finance d\u00e9termine, en fonction de votre situation financi\u00e8re personnelle, le montant du pr\u00eat que vous pouvez obtenir conform\u00e9ment au Code budg\u00e9taire f\u00e9d\u00e9ral suisse. <strong>Loi sur le cr\u00e9dit \u00e0 la consommation (KKG)<\/strong> Vous pouvez vous le permettre. C&#039;est l&#039;outil essentiel avant de demander un pr\u00eat personnel.\n          <\/p>\n\n          <h3>Quels sont les \u00e9l\u00e9ments pris en compte ?<\/h3>\n          <ul>\n            <li>Votre revenu net mensuel, y compris le 13e mois.<\/li>\n            <li>Allocation pour besoins juridiques de base (en fonction de la situation de logement et du nombre d&#039;enfants)<\/li>\n            <li>Frais de logement \u2013 loyer ou pr\u00eat hypoth\u00e9caire (votre part)<\/li>\n            <li>Primes mensuelles d&#039;assurance maladie (tous les membres du m\u00e9nage)<\/li>\n            <li>pensions alimentaires et contributions d&#039;entretien<\/li>\n            <li>Frais de transport et repas sur le lieu de travail<\/li>\n            <li>Obligations de pr\u00eat et de location existantes<\/li>\n            <li>Retenue \u00e0 la source (calcul\u00e9e automatiquement selon le canton et l&#039;\u00e9tat civil)<\/li>\n          <\/ul>\n\n          <div class=\"info-card\">\n            <div class=\"info-card-title\">\n              <svg width=\"16\" height=\"16\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"#1e3a5c\" stroke-width=\"2\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"12\" y1=\"8\" x2=\"12\" y2=\"12\"\/><line x1=\"12\" y1=\"16\" x2=\"12.01\" y2=\"16\"\/><\/svg>\n              Important\u00a0: le calcul KKG n\u2019est pas un budget subjectif.\n            <\/div>\n            <p>\n              Les banques suisses appliquent rigoureusement la loi sur la protection des consommateurs (KKG). L&#039;allocation de base l\u00e9gale pour une personne seule est de 1\u00a0100 \u00e0 1\u00a0200 CHF par mois (selon la situation familiale), et de 1\u00a0700 CHF pour un couple. \u00c0 cela s&#039;ajoutent les frais pour enfants, \u00e0 hauteur de 400 CHF (moins de 10 ans) ou de 600 CHF (de 11 \u00e0 25 ans) par enfant et par mois.\n            <\/p>\n          <\/div>\n\n          <h3>Comment la limite de cr\u00e9dit est-elle d\u00e9termin\u00e9e\u00a0?<\/h3>\n          <p>\n            Le montant maximal de votre remboursement est d\u00e9termin\u00e9 par votre revenu disponible mensuel apr\u00e8s d\u00e9duction de toutes vos charges. Le calcul utilise la formule de l&#039;annuit\u00e9 avec un taux d&#039;int\u00e9r\u00eat de r\u00e9f\u00e9rence prudent. Le r\u00e9sultat obtenu est donn\u00e9 \u00e0 titre indicatif.\n          <\/p>\n          <p>\n            La limite de cr\u00e9dit r\u00e9ellement approuv\u00e9e d\u00e9pend \u00e9galement de votre <strong>Votre solvabilit\u00e9 et votre score ZEK<\/strong> ainsi que les directives d&#039;allocation individuelles de la banque.\n          <\/p>\n        <\/div>\n\n        <!-- Beispielrechnung -->\n        <div>\n          <div class=\"budget-visual\" role=\"complementary\" aria-label=\"Exemple de calcul budg\u00e9taire\">\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              Exemple de calcul \u2013 Aarau, simple\n            <\/div>\n\n            <div class=\"budget-row\">\n              <div class=\"budget-row-lbl\">\n                <span class=\"dot\" style=\"background:#10b981\"><\/span>Salaire net (12 mois)\n              <\/div>\n              <div class=\"budget-row-val pos\">+ 5 000 CHF<\/div>\n            <\/div>\n\n            <hr class=\"budget-divider\">\n\n            <div class=\"budget-row\">\n              <div class=\"budget-row-lbl\"><span class=\"dot\" style=\"background:#f59e0b\"><\/span>besoins fondamentaux (seuls)<\/div>\n              <div class=\"budget-row-val\">- CHF 1 200<\/div>\n            <\/div>\n            <div class=\"budget-row\">\n              <div class=\"budget-row-lbl\"><span class=\"dot\" style=\"background:#f59e0b\"><\/span>Loyer charges comprises<\/div>\n              <div class=\"budget-row-val\">- CHF 1 350<\/div>\n            <\/div>\n            <div class=\"budget-row\">\n              <div class=\"budget-row-lbl\"><span class=\"dot\" style=\"background:#f59e0b\"><\/span>assurance maladie<\/div>\n              <div class=\"budget-row-val\">- CHF 380<\/div>\n            <\/div>\n            <div class=\"budget-row\">\n              <div class=\"budget-row-lbl\"><span class=\"dot\" style=\"background:#f59e0b\"><\/span>Transport et restauration<\/div>\n              <div class=\"budget-row-val\">- CHF 290<\/div>\n            <\/div>\n            <div class=\"budget-row\">\n              <div class=\"budget-row-lbl\"><span class=\"dot\" style=\"background:#f59e0b\"><\/span>Retenue \u00e0 la source (AG, env. 8%)<\/div>\n              <div class=\"budget-row-val\">- CHF 432<\/div>\n            <\/div>\n\n            <hr class=\"budget-divider\">\n\n            <div class=\"budget-row\">\n              <div class=\"budget-row-lbl\" style=\"font-weight:600;color:var(--navy)\">Budget disponible par mois.<\/div>\n              <div class=\"budget-row-val\" style=\"color:var(--navy);font-size:15px\">1 348 CHF<\/div>\n            <\/div>\n\n            <hr class=\"budget-divider\">\n\n            <div class=\"budget-result-row\">\n              <div class=\"budget-result-lbl\">\u27f9 Limite de cr\u00e9dit (approx.)<\/div>\n              <div class=\"budget-result-val\">\u2248 CHF 48 000<\/div>\n            <\/div>\n\n            <p class=\"budget-note\">\n              Exemple de taux d&#039;int\u00e9r\u00eat de r\u00e9f\u00e9rence pour le pr\u00eat 10% sur 36 mois (pr\u00eat prudent). Sans garantie. La limite de cr\u00e9dit r\u00e9elle d\u00e9pend de l&#039;\u00e9valuation de chaque banque.\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\">Nos banques partenaires<\/div>\n        <h2 class=\"lp-title\" id=\"bflp-banken-title\">Nous comparons les meilleures banques suisses<\/h2>\n        <p class=\"lp-sub\">\n          Best Finance vous propose des pr\u00eats personnels aupr\u00e8s des principales banques suisses r\u00e9glement\u00e9es par la FINMA \u2013 vous b\u00e9n\u00e9ficiez ainsi du taux d&#039;int\u00e9r\u00eat le plus bas sans effort suppl\u00e9mentaire.\n        <\/p>\n      <\/div>\n\n      <div class=\"banks-grid\">\n        <div class=\"bank-card\">\n          <span>Cembra<br>Banque mon\u00e9taire<\/span>\n        <\/div>\n        <div class=\"bank-card\">\n          <span>Banque maintenant<\/span>\n        <\/div>\n        <div class=\"bank-card\">\n          <span>Corner<br>banque<\/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>banque<\/span>\n        <\/div>\n      <\/div>\n\n      <p class=\"banks-note\">\n        Toutes les banques partenaires sont r\u00e9glement\u00e9es par la FINMA et soumises \u00e0 la loi suisse sur le cr\u00e9dit \u00e0 la consommation (KKG). Taux d&#039;int\u00e9r\u00eat maximal\u00a0: 9,951\u00a0TP3T (taux annuel effectif).\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\">Questions fr\u00e9quemment pos\u00e9es<\/div>\n        <h2 class=\"lp-title\" id=\"bflp-faq-title\">Questions concernant le calculateur de budget et le pr\u00eat<\/h2>\n        <p class=\"lp-sub\">Tout ce que vous devez savoir sur les limites de cr\u00e9dit et les budgets de cr\u00e9dit en Suisse.<\/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              Quel montant de cr\u00e9dit puis-je obtenir en Suisse\u00a0?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              Le montant du cr\u00e9dit auquel vous pouvez pr\u00e9tendre en Suisse d\u00e9pend de votre revenu net, de vos d\u00e9penses mensuelles (loyer, assurance maladie, autres charges), de votre situation de logement et de votre situation familiale. Conform\u00e9ment \u00e0 la loi sur le cr\u00e9dit \u00e0 la consommation (KKG), le remboursement mensuel d&#039;un pr\u00eat ne peut exc\u00e9der un montant maximal vous permettant de disposer de ressources suffisantes pour vos d\u00e9penses courantes apr\u00e8s d\u00e9duction de toutes les charges. Utilisez notre simulateur de budget pour calculer instantan\u00e9ment et gratuitement votre limite de cr\u00e9dit personnelle.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              Qu&#039;est-ce qu&#039;un calculateur de budget pour les pr\u00eats\u00a0?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              Un simulateur de cr\u00e9dit d\u00e9termine votre limite de cr\u00e9dit maximale en fonction de vos revenus et d\u00e9penses, conform\u00e9ment \u00e0 la loi suisse sur le cr\u00e9dit \u00e0 la consommation (KKG). Il prend en compte votre salaire net, vos charges de logement, vos cotisations d&#039;assurance maladie, les d\u00e9penses li\u00e9es aux enfants, la pension alimentaire, les imp\u00f4ts et vos autres charges. Le r\u00e9sultat indique le montant de mensualit\u00e9 et le montant du pr\u00eat que vous pouvez raisonnablement vous permettre.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              Quels documents sont n\u00e9cessaires pour obtenir un pr\u00eat en Suisse\u00a0?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              Pour faire une demande de pr\u00eat en Suisse, vous aurez g\u00e9n\u00e9ralement besoin des documents suivants\u00a0: vos bulletins de salaire des trois derniers mois, une copie de votre carte d\u2019identit\u00e9 ou de votre passeport, un extrait du registre des ex\u00e9cutions extrajudiciaires et les informations relatives \u00e0 vos pr\u00eats ou contrats de location en cours. Les personnes mari\u00e9es devront \u00e9galement fournir le bulletin de salaire de leur conjoint. Best Finance vous accompagnera tout au long de la proc\u00e9dure.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              Quel est le taux d&#039;int\u00e9r\u00eat d&#039;un pr\u00eat personnel en Suisse\u00a0?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              En Suisse, le taux d&#039;int\u00e9r\u00eat maximal l\u00e9gal pour les pr\u00eats personnels est de 9,951 % TAEG. Best Finance propose des pr\u00eats personnels \u00e0 partir de 4,91 % TAEG, selon votre solvabilit\u00e9, la dur\u00e9e et le montant du pr\u00eat. Un comparatif gratuit et sans engagement aupr\u00e8s de plusieurs banques partenaires vous garantit le meilleur taux.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              Puis-je v\u00e9rifier anonymement le montant du cr\u00e9dit auquel j&#039;ai droit\u00a0?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              Oui. Notre simulateur de budget est totalement anonyme et sans engagement. Aucune v\u00e9rification ni \u00e9valuation de solvabilit\u00e9 n&#039;est effectu\u00e9e. Le r\u00e9sultat est donn\u00e9 \u00e0 titre indicatif\u00a0; une offre ferme n\u00e9cessite une demande de pr\u00eat officielle avec une v\u00e9rification de solvabilit\u00e9 compl\u00e8te.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              Quelle est la diff\u00e9rence entre une ligne de cr\u00e9dit et une limite de cr\u00e9dit\u00a0?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              Le <strong>Ligne de cr\u00e9dit<\/strong> Cela correspond au montant maximal que vous pouvez demander en fonction de votre situation financi\u00e8re \u2013 calcul\u00e9 conform\u00e9ment \u00e0 la loi suisse sur le cr\u00e9dit \u00e0 la consommation. <strong>Limite de cr\u00e9dit<\/strong> Il s&#039;agit du montant effectivement accord\u00e9 par la banque, qui d\u00e9pend de votre solvabilit\u00e9, de votre score ZEK et d&#039;autres facteurs. La limite de cr\u00e9dit affich\u00e9e dans le simulateur de budget est une estimation\u00a0; la limite r\u00e9elle peut diff\u00e9rer.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              Qui est Best Finance et depuis combien de temps l&#039;entreprise est-elle en activit\u00e9 ?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              Best Finance GmbH est un courtier en pr\u00eats suisse ind\u00e9pendant, bas\u00e9 \u00e0 Aarau (Bahnhofstrasse 67, 5000 Aarau) pour la Suisse al\u00e9manique et \u00e0 Lausanne (Av. d&#039;Echallens 109, 1004 Lausanne) pour la Suisse romande. Depuis 2004, nous proposons des pr\u00eats personnels par l&#039;interm\u00e9diaire de banques partenaires suisses de premier plan et offrons \u00e0 nos clients des conseils personnalis\u00e9s en allemand, fran\u00e7ais, italien et portugais. Nos services sont gratuits.\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        Gratuit et sans engagement\n      <\/div>\n      <h2 class=\"cta-h2\" id=\"bflp-cta-title\">Pr\u00eat \u00e0 obtenir votre pr\u00eat ?<\/h2>\n      <p class=\"cta-sub\">Demandez une consultation gratuite d\u00e8s maintenant \u2013 sans engagement, conseils personnalis\u00e9s inclus, sans frais de traitement, sans risque.<\/p>\n      <div class=\"cta-btns\">\n        <a href=\"https:\/\/www.bestfinance.ch\/fr\/demande-de-credit-en-suisse\/?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          Demander un pr\u00eat\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          Pas de frais de traitement\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          banques partenaires r\u00e9glement\u00e9es par la FINMA\n        <\/div>\n        <div class=\"cta-trust-item\">\n          <svg width=\"12\" height=\"12\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg>\n          Consultation personnelle en allemand\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>Mentions l\u00e9gales :<\/strong> Le simulateur budg\u00e9taire fournit une estimation non contraignante de la limite de cr\u00e9dit possible et ne constitue pas une offre de pr\u00eat ferme. Les r\u00e9sultats ne remplacent pas une analyse de solvabilit\u00e9 personnalis\u00e9e effectu\u00e9e par une banque. 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