{"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":"calcolatore-di-budget-di-credito-online","status":"publish","type":"page","link":"https:\/\/www.bestfinance.ch\/it\/kredit-budgetrechner-online\/","title":{"rendered":"Calcolatore del budget di credito online"},"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\">Anni di esperienza<br>dal 2004<\/div>\n        <\/div>\n        <div class=\"trust-stat\">\n          <div class=\"trust-stat-val\">5+<\/div>\n          <div class=\"trust-stat-lbl\">Banche partner<br>in confronto<\/div>\n        <\/div>\n        <div class=\"trust-stat\">\n          <div class=\"trust-stat-val\">4.9%<\/div>\n          <div class=\"trust-stat-lbl\">Aiuto da<br>tasso di interesse annuo effettivo<\/div>\n        <\/div>\n        <div class=\"trust-stat\">\n          <div class=\"trust-stat-val\">CHF 0<\/div>\n          <div class=\"trust-stat-lbl\">Elaborazione-<br>commissioni<\/div>\n        <\/div>\n        <div class=\"trust-stat\">\n          <div class=\"trust-stat-val\">KKG<\/div>\n          <div class=\"trust-stat-lbl\">Conformarsi<br>Diritto svizzero<\/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\">\u00c8 cos\u00ec semplice<\/div>\n        <h2 class=\"lp-title\" id=\"bflp-steps-title\">Ottieni il tuo prestito in 4 passaggi<\/h2>\n        <p class=\"lp-sub\">Dal calcolatore del budget al pagamento: veloce, sicuro e con assistenza personalizzata.<\/p>\n      <\/div>\n      <div class=\"steps-grid\">\n\n        <div class=\"step-card\">\n          <div class=\"step-num\">1<\/div>\n          <h3>Calcola il budget<\/h3>\n          <p>Inserisci le tue entrate e uscite nel nostro calcolatore di budget, in modo anonimo e senza impegno. Nessuna richiesta di informazioni da parte dell&#039;Agenzia delle Entrate (ZEK).<\/p>\n        <\/div>\n\n        <div class=\"step-card\">\n          <div class=\"step-num\">2<\/div>\n          <h3>Richiedere un credito<\/h3>\n          <p>Invia la tua richiesta di prestito online in pochi minuti. Confrontiamo per te le offerte di oltre 5 banche partner svizzere.<\/p>\n        <\/div>\n\n        <div class=\"step-card\">\n          <div class=\"step-num\">3<\/div>\n          <h3>Assicurati la migliore offerta<\/h3>\n          <p>Riceverai l&#039;offerta pi\u00f9 conveniente: il tuo consulente personale ti guider\u00e0 durante l&#039;intero processo.<\/p>\n        <\/div>\n\n        <div class=\"step-card\">\n          <div class=\"step-num\">4<\/div>\n          <h3>Denaro nel conto<\/h3>\n          <p>Una volta approvato il prestito, l&#039;importo verr\u00e0 trasferito direttamente sul tuo conto bancario svizzero, di solito entro pochi giorni.<\/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\">Che cosa calcola il calcolatore di budget per i prestiti?<\/h2>\n          <p>\n            Il calcolatore di budget di Best Finance determina, in base alla tua situazione finanziaria personale, l&#039;importo del prestito che puoi ottenere secondo il Codice federale di bilancio svizzero. <strong>Legge Federale sul credito al consumo (LCC)<\/strong> se lo pu\u00f2 permettere. \u00c8 lo strumento fondamentale prima di richiedere un prestito personale.\n          <\/p>\n\n          <h3>Cosa viene preso in considerazione?<\/h3>\n          <ul>\n            <li>Il tuo reddito netto mensile, inclusa la tredicesima.<\/li>\n            <li>Assegno di mantenimento di base (in base alla situazione abitativa e al numero di figli)<\/li>\n            <li>Costi dell&#039;alloggio: affitto o mutuo (la tua quota)<\/li>\n            <li>Premi mensili dell&#039;assicurazione sanitaria (per tutti i membri del nucleo familiare)<\/li>\n            <li>Assegni di mantenimento e alimenti<\/li>\n            <li>Costi di trasporto e pasti sul posto di lavoro<\/li>\n            <li>Obbligazioni di prestito e leasing esistenti<\/li>\n            <li>Ritenuta d&#039;acconto (calcolata automaticamente in base al cantone e allo stato civile)<\/li>\n          <\/ul>\n\n          <div class=\"info-card\">\n            <div class=\"info-card-title\">\n              <svg width=\"16\" height=\"16\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"#1e3a5c\" stroke-width=\"2\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"12\" y1=\"8\" x2=\"12\" y2=\"12\"\/><line x1=\"12\" y1=\"16\" x2=\"12.01\" y2=\"16\"\/><\/svg>\n              Importante: il calcolo KKG non \u00e8 un budget soggettivo.\n            <\/div>\n            <p>\n              Le banche svizzere si attengono rigorosamente alla Legge sulla tutela dei consumatori (KKG). L&#039;assegno di base previsto dalla legge per una persona singola \u00e8 di CHF 1.100-1.200 al mese (a seconda della situazione abitativa), e di CHF 1.700 per le coppie, incluso il partner. Inoltre, vengono considerate le spese per i figli a carico, con una tariffa fissa di CHF 400 (sotto i 10 anni) o CHF 600 (11-25 anni) al mese per ogni figlio.\n            <\/p>\n          <\/div>\n\n          <h3>Come viene determinato il limite di credito?<\/h3>\n          <p>\n            L&#039;importo massimo della rata del prestito \u00e8 determinato dal reddito mensile disponibile al netto di tutte le spese. Il calcolo si basa sulla formula di rendita con un tasso di interesse di riferimento prudenziale. Il risultato \u00e8 da intendersi come una stima preliminare.\n          <\/p>\n          <p>\n            Il limite di credito approvato effettivo dipende anche dal tuo <strong>Affidabilit\u00e0 creditizia e punteggio ZEK<\/strong> nonch\u00e9 le linee guida individuali di allocazione della banca.\n          <\/p>\n        <\/div>\n\n        <!-- Beispielrechnung -->\n        <div>\n          <div class=\"budget-visual\" role=\"complementary\" aria-label=\"Esempio di calcolo del budget\">\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              Esempio di calcolo \u2013 Aarau, singolo\n            <\/div>\n\n            <div class=\"budget-row\">\n              <div class=\"budget-row-lbl\">\n                <span class=\"dot\" style=\"background:#10b981\"><\/span>Salario netto (12 mesi)\n              <\/div>\n              <div class=\"budget-row-val pos\">+ CHF 5.000<\/div>\n            <\/div>\n\n            <hr class=\"budget-divider\">\n\n            <div class=\"budget-row\">\n              <div class=\"budget-row-lbl\"><span class=\"dot\" style=\"background:#f59e0b\"><\/span>Bisogni primari (da soli)<\/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>Affitto comprensivo di utenze<\/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>assicurazione sanitaria<\/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>Trasporti e ristorazione<\/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>Ritenuta d&#039;acconto (AG, circa 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 disponibile\/mese.<\/div>\n              <div class=\"budget-row-val\" style=\"color:var(--navy);font-size:15px\">CHF 1,348<\/div>\n            <\/div>\n\n            <hr class=\"budget-divider\">\n\n            <div class=\"budget-result-row\">\n              <div class=\"budget-result-lbl\">\u27f9 Limite di credito (circa)<\/div>\n              <div class=\"budget-result-val\">\u2248 CHF 48.000<\/div>\n            <\/div>\n\n            <p class=\"budget-note\">\n              Esempio per il tasso di interesse di riferimento 10% \/ 36 mesi (prestito prudente). Nessuna garanzia. Il limite di credito effettivo dipende dalla valutazione della singola banca.\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\">Le nostre banche partner<\/div>\n        <h2 class=\"lp-title\" id=\"bflp-banken-title\">Confrontiamo le migliori banche svizzere<\/h2>\n        <p class=\"lp-sub\">\n          Best Finance mette a disposizione prestiti personali offerti dalle principali banche svizzere regolamentate dalla FINMA, permettendoti di beneficiare del tasso di interesse pi\u00f9 basso senza alcuno sforzo aggiuntivo.\n        <\/p>\n      <\/div>\n\n      <div class=\"banks-grid\">\n        <div class=\"bank-card\">\n          <span>Cembra<br>Banca monetaria<\/span>\n        <\/div>\n        <div class=\"bank-card\">\n          <span>Banca ora<\/span>\n        <\/div>\n        <div class=\"bank-card\">\n          <span>Angolo<br>banca<\/span>\n        <\/div>\n        <div class=\"bank-card\">\n          <span>Bob<br>Finanza<\/span>\n        <\/div>\n        <div class=\"bank-card\">\n          <span>Migros<br>banca<\/span>\n        <\/div>\n      <\/div>\n\n      <p class=\"banks-note\">\n        Tutte le banche partner sono regolamentate dalla FINMA e soggette alla legge svizzera sul credito al consumo (KKG). Tasso di interesse massimo: 9,95% tasso annuo effettivo.\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\">Domande frequenti<\/div>\n        <h2 class=\"lp-title\" id=\"bflp-faq-title\">Domande sul calcolatore di budget e sul prestito<\/h2>\n        <p class=\"lp-sub\">Tutto ci\u00f2 che devi sapere sui limiti di credito e sui budget di credito in Svizzera.<\/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              Quanto credito posso ottenere in Svizzera?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              L&#039;importo del credito che puoi ottenere in Svizzera dipende dal tuo reddito netto, dalle tue spese mensili (affitto, assicurazione sanitaria, altri obblighi), dalla tua situazione abitativa e dal tuo stato civile. Secondo la Legge sul Credito al Consumo (KKG), la rata mensile del prestito non pu\u00f2 superare un importo massimo che ti lasci fondi sufficienti per le spese di sostentamento al netto di tutti i costi. Utilizza il nostro calcolatore di budget per calcolare il tuo limite di credito personale in modo immediato e gratuito.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              Cos&#039;\u00e8 un calcolatore di budget per i prestiti?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              Un calcolatore di budget per prestiti determina il tuo limite di credito massimo in base al tuo reddito e alle tue spese, nel rispetto delle disposizioni di legge della Legge svizzera sul credito al consumo (KKG). Prende in considerazione lo stipendio netto, le spese per l&#039;abitazione, i premi dell&#039;assicurazione sanitaria, le spese per i figli, gli alimenti, le tasse e gli obblighi preesistenti. Il risultato mostra quale rata mensile e quale importo del prestito sono realisticamente sostenibili per te.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              Quali documenti mi servono per richiedere un prestito in Svizzera?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              Per richiedere un prestito in Svizzera, in genere sono necessari: le buste paga degli ultimi 3 mesi, una copia della carta d&#039;identit\u00e0 o del passaporto, un estratto del registro delle esecuzioni creditizie e informazioni su eventuali prestiti o contratti di leasing in essere. Le persone sposate dovranno inoltre fornire la busta paga del coniuge\/partner. Best Finance vi guider\u00e0 attraverso l&#039;intero processo di richiesta.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              Qual \u00e8 il tasso di interesse per un prestito personale in Svizzera?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              In Svizzera, il tasso di interesse massimo previsto dalla legge per i prestiti personali \u00e8 del 9,951 TW (Tasso Annuo Effettivo Globale). Best Finance offre prestiti personali a partire dal 4,91 TW (Tasso Annuo Effettivo Globale), a seconda del merito creditizio, della durata e dell&#039;importo del prestito. Un confronto senza impegno tra diverse banche partner ti garantisce il miglior tasso di interesse.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              Posso verificare in forma anonima a quanto credito posso accedere?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              S\u00ec. Il nostro calcolatore di budget \u00e8 completamente anonimo e non vincolante. Non viene effettuato alcun controllo del credito n\u00e9 alcuna valutazione creditizia. Il risultato serve come guida iniziale: un&#039;offerta vincolante richiede una richiesta di prestito ufficiale con una verifica completa del credito.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              Qual \u00e8 la differenza tra una linea di credito e un limite di credito?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              IL <strong>Linea di credito<\/strong> Si tratta dell&#039;importo massimo che \u00e8 possibile richiedere in base alla propria situazione finanziaria, calcolato secondo la legge svizzera sul credito al consumo. <strong>Limite di credito<\/strong> Questo \u00e8 l&#039;importo effettivamente approvato dalla banca, che dipende dalla tua affidabilit\u00e0 creditizia, dal tuo punteggio ZEK e da altri fattori. Il limite di credito mostrato nel calcolatore di budget \u00e8 una stima; il limite di credito effettivo potrebbe essere diverso.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              Chi \u00e8 Best Finance e da quanto tempo opera nel settore?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              Best Finance GmbH \u00e8 un broker di prestiti svizzero indipendente con sede ad Aarau (Bahnhofstrasse 67, 5000 Aarau) per la Svizzera tedesca e a Losanna (Av. d&#039;Echallens 109, 1004 Losanna) per la Svizzera francese. Operativi dal 2004, offriamo prestiti personali tramite le principali banche partner svizzere e forniamo ai nostri clienti una consulenza personalizzata in tedesco, francese, italiano e portoghese. I nostri servizi sono gratuiti.\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        Gratuito e senza impegno\n      <\/div>\n      <h2 class=\"cta-h2\" id=\"bflp-cta-title\">Pronti per il vostro prestito?<\/h2>\n      <p class=\"cta-sub\">Richiedi subito una consulenza gratuita: senza impegno, con consulenza personalizzata inclusa, senza costi di elaborazione e senza rischi.<\/p>\n      <div class=\"cta-btns\">\n        <a href=\"https:\/\/www.bestfinance.ch\/it\/domanda-di-credito-svizzera\/?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          Richiedi un prestito\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          Nessuna spesa di elaborazione\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          banche partner regolamentate dalla 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          Consulenza personalizzata in tedesco\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>Avviso legale:<\/strong> Il calcolatore di budget fornisce una stima non vincolante del limite di credito ottenibile e non costituisce un&#039;offerta di prestito vincolante. I risultati non sostituiscono una verifica del merito creditizio individuale da parte di una banca. Il tasso di interesse annuo effettivo \u00e8 compreso tra il 4,91 e il 9,951, in conformit\u00e0 al limite massimo previsto dalla legge (art. 9 KKG). <strong>Il credito non verr\u00e0 concesso se comporta un eccessivo indebitamento.<\/strong>\n      <\/p>\n    <\/div>\n  <\/div>\n\n<\/div><!-- \/bflp-root -->\n\n<!-- FAQ Accordion Script -->\n<script>\n(function(){\n  'use strict';\n  var items = document.querySelectorAll('#bflpFaqList .faq-item');\n  items.forEach(function(item){\n    var btn = item.querySelector('.faq-q');\n    btn.addEventListener('click', function(){\n      var isOpen = item.classList.contains('open');\n      \/\/ Alle schliessen\n      items.forEach(function(i){\n        i.classList.remove('open');\n        i.querySelector('.faq-q').setAttribute('aria-expanded','false');\n      });\n      \/\/ Aktuelles \u00f6ffnen\n      if(!isOpen){\n        item.classList.add('open');\n        btn.setAttribute('aria-expanded','true');\n      }\n    });\n  });\n})();\n<\/script>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f5dd1fd e-flex e-con-boxed e-con e-parent\" data-id=\"f5dd1fd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c01d17 elementor-widget elementor-widget-spacer\" data-id=\"7c01d17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_seopress_titles_title":"Budget Rechner Kredit Schweiz | Best Finance","_seopress_titles_desc":"Wie viel Kredit bekomme ich? 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