{"id":197634,"date":"2024-12-12T20:34:49","date_gmt":"2024-12-12T19:34:49","guid":{"rendered":"https:\/\/www.bestfinance.ch\/?page_id=197634"},"modified":"2026-07-26T19:08:05","modified_gmt":"2026-07-26T17:08:05","slug":"calculadora-de-orcamento-de-credito-online","status":"publish","type":"page","link":"https:\/\/www.bestfinance.ch\/pt\/kredit-budgetrechner-online\/","title":{"rendered":"Calculadora de or\u00e7amento de cr\u00e9dito 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\">Anos de experi\u00eancia<br>desde 2004<\/div>\n        <\/div>\n        <div class=\"trust-stat\">\n          <div class=\"trust-stat-val\">5+<\/div>\n          <div class=\"trust-stat-lbl\">Bancos parceiros<br>em compara\u00e7\u00e3o<\/div>\n        <\/div>\n        <div class=\"trust-stat\">\n          <div class=\"trust-stat-val\">4.9%<\/div>\n          <div class=\"trust-stat-lbl\">Interesse de<br>taxa de juros anual efetiva<\/div>\n        <\/div>\n        <div class=\"trust-stat\">\n          <div class=\"trust-stat-val\">CHF 0<\/div>\n          <div class=\"trust-stat-lbl\">Processamento-<br>tarifas<\/div>\n        <\/div>\n        <div class=\"trust-stat\">\n          <div class=\"trust-stat-val\">KKG<\/div>\n          <div class=\"trust-stat-lbl\">Conforme<br>lei su\u00ed\u00e7a<\/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\">\u00c9 muito f\u00e1cil.<\/div>\n        <h2 class=\"lp-title\" id=\"bflp-steps-title\">Obtenha seu empr\u00e9stimo em 4 etapas<\/h2>\n        <p class=\"lp-sub\">Do c\u00e1lculo do or\u00e7amento ao pagamento \u2013 r\u00e1pido, seguro e com suporte personalizado.<\/p>\n      <\/div>\n      <div class=\"steps-grid\">\n\n        <div class=\"step-card\">\n          <div class=\"step-num\">1<\/div>\n          <h3>Calcular or\u00e7amento<\/h3>\n          <p>Insira sua renda e despesas em nossa calculadora de or\u00e7amento \u2013 anonimamente e sem compromisso. Sem consulta ao ZEK.<\/p>\n        <\/div>\n\n        <div class=\"step-card\">\n          <div class=\"step-num\">2<\/div>\n          <h3>Pedir um cr\u00e9dito<\/h3>\n          <p>Envie seu pedido de empr\u00e9stimo online em apenas alguns minutos. Comparamos ofertas de mais de 5 bancos parceiros su\u00ed\u00e7os para voc\u00ea.<\/p>\n        <\/div>\n\n        <div class=\"step-card\">\n          <div class=\"step-num\">3<\/div>\n          <h3>Garanta a melhor oferta<\/h3>\n          <p>Voc\u00ea receber\u00e1 a oferta mais acess\u00edvel \u2013 seu consultor pessoal o guiar\u00e1 por todo o processo.<\/p>\n        <\/div>\n\n        <div class=\"step-card\">\n          <div class=\"step-num\">4<\/div>\n          <h3>Dinheiro na conta<\/h3>\n          <p>Assim que o empr\u00e9stimo for aprovado, o valor ser\u00e1 transferido diretamente para sua conta na Su\u00ed\u00e7a \u2013 geralmente dentro de alguns dias.<\/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\">O que a calculadora de or\u00e7amento calcula em rela\u00e7\u00e3o aos empr\u00e9stimos?<\/h2>\n          <p>\n            A calculadora de or\u00e7amento da Best Finance determina, com base na sua situa\u00e7\u00e3o financeira pessoal, o valor do empr\u00e9stimo que voc\u00ea pode obter de acordo com o C\u00f3digo Or\u00e7ament\u00e1rio Federal Su\u00ed\u00e7o. <strong>LEI SOBRE O CR\u00c9DITO DE CONSUMA\u00c7\u00c3O (LCC)<\/strong> Pode pagar. \u00c9 a ferramenta essencial antes de solicitar um empr\u00e9stimo pessoal.\n          <\/p>\n\n          <h3>O que \u00e9 levado em considera\u00e7\u00e3o?<\/h3>\n          <ul>\n            <li>Sua renda l\u00edquida mensal, incluindo o 13\u00ba sal\u00e1rio.<\/li>\n            <li>Subs\u00eddio para necessidades legais b\u00e1sicas (dependendo da situa\u00e7\u00e3o de vida e do n\u00famero de filhos)<\/li>\n            <li>Custos de habita\u00e7\u00e3o \u2013 aluguel ou hipoteca (sua parte)<\/li>\n            <li>Pr\u00eamios mensais do seguro sa\u00fade (todos os membros da fam\u00edlia)<\/li>\n            <li>Pens\u00e3o aliment\u00edcia e pagamentos de manuten\u00e7\u00e3o<\/li>\n            <li>Custos de transporte e refei\u00e7\u00f5es no local de trabalho<\/li>\n            <li>Obriga\u00e7\u00f5es existentes de empr\u00e9stimo e arrendamento<\/li>\n            <li>Imposto retido na fonte (calculado automaticamente de acordo com o cant\u00e3o e o estado civil)<\/li>\n          <\/ul>\n\n          <div class=\"info-card\">\n            <div class=\"info-card-title\">\n              <svg width=\"16\" height=\"16\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"#1e3a5c\" stroke-width=\"2\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"12\" y1=\"8\" x2=\"12\" y2=\"12\"\/><line x1=\"12\" y1=\"16\" x2=\"12.01\" y2=\"16\"\/><\/svg>\n              Importante: C\u00e1lculo KKG \u2260 or\u00e7amento subjetivo\n            <\/div>\n            <p>\n              Os bancos su\u00ed\u00e7os cumprem rigorosamente a Lei de Prote\u00e7\u00e3o ao Consumidor (KKG). O subs\u00eddio b\u00e1sico legal para uma pessoa solteira \u00e9 de CHF 1.100 a 1.200 por m\u00eas (dependendo da situa\u00e7\u00e3o de vida) e de CHF 1.700 para casais, incluindo o c\u00f4njuge. Al\u00e9m disso, as despesas com crian\u00e7as s\u00e3o calculadas a uma taxa fixa de CHF 400 (menores de 10 anos) ou CHF 600 (de 11 a 25 anos) por crian\u00e7a por m\u00eas.\n            <\/p>\n          <\/div>\n\n          <h3>Como \u00e9 determinado o limite de cr\u00e9dito?<\/h3>\n          <p>\n            O valor m\u00e1ximo da sua presta\u00e7\u00e3o mensal \u00e9 determinado pela sua renda dispon\u00edvel mensal ap\u00f3s a dedu\u00e7\u00e3o de todas as despesas. O c\u00e1lculo utiliza a f\u00f3rmula da anuidade com uma taxa de juros de refer\u00eancia conservadora. O resultado apresentado serve apenas como um guia preliminar.\n          <\/p>\n          <p>\n            O limite de cr\u00e9dito aprovado tamb\u00e9m depende do seu perfil. <strong>Solv\u00eancia e sua pontua\u00e7\u00e3o ZEK<\/strong> bem como as diretrizes de aloca\u00e7\u00e3o individuais do banco.\n          <\/p>\n        <\/div>\n\n        <!-- Beispielrechnung -->\n        <div>\n          <div class=\"budget-visual\" role=\"complementary\" aria-label=\"Exemplo de c\u00e1lculo de or\u00e7amento\">\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              Exemplo de c\u00e1lculo \u2013 Aarau, \u00fanico\n            <\/div>\n\n            <div class=\"budget-row\">\n              <div class=\"budget-row-lbl\">\n                <span class=\"dot\" style=\"background:#10b981\"><\/span>Sal\u00e1rio l\u00edquido (12 meses)\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>Necessidades b\u00e1sicas (sozinho)<\/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>Aluguel incluindo as contas de consumo.<\/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>Plano de sa\u00fade<\/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>Transporte e alimenta\u00e7\u00e3o<\/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>Imposto retido na fonte (AG, aprox. 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)\">Or\u00e7amento dispon\u00edvel por m\u00eas.<\/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 de cr\u00e9dito (aprox.)<\/div>\n              <div class=\"budget-result-val\">\u2248 CHF 48.000<\/div>\n            <\/div>\n\n            <p class=\"budget-note\">\n              Exemplo para taxa de juros de refer\u00eancia 10% \/ 36 meses (empr\u00e9stimo conservador). Sem garantia. O limite de cr\u00e9dito real depende da avalia\u00e7\u00e3o individual de cada banco.\n            <\/p>\n          <\/div>\n        <\/div>\n\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n       4 \u2013 PARTNERBANKEN\n  \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n  <section class=\"lp-sec lp-sec-alt\" aria-labelledby=\"bflp-banken-title\">\n    <div class=\"lp-wrap\">\n      <div class=\"lp-sec-head-center\">\n        <div class=\"lp-label\">Nossos bancos parceiros<\/div>\n        <h2 class=\"lp-title\" id=\"bflp-banken-title\">Comparamos os melhores bancos su\u00ed\u00e7os.<\/h2>\n        <p class=\"lp-sub\">\n          A Best Finance oferece empr\u00e9stimos pessoais de bancos su\u00ed\u00e7os l\u00edderes e regulamentados pela FINMA \u2013 voc\u00ea se beneficia da menor taxa de juros sem nenhum esfor\u00e7o extra.\n        <\/p>\n      <\/div>\n\n      <div class=\"banks-grid\">\n        <div class=\"bank-card\">\n          <span>Cembra<br>Banco de Dinheiro<\/span>\n        <\/div>\n        <div class=\"bank-card\">\n          <span>Fa\u00e7a o banco agora<\/span>\n        <\/div>\n        <div class=\"bank-card\">\n          <span>Esquina<br>banco<\/span>\n        <\/div>\n        <div class=\"bank-card\">\n          <span>prumo<br>Financiar<\/span>\n        <\/div>\n        <div class=\"bank-card\">\n          <span>Migros<br>banco<\/span>\n        <\/div>\n      <\/div>\n\n      <p class=\"banks-note\">\n        Todos os bancos parceiros s\u00e3o regulamentados pela FINMA e est\u00e3o sujeitos \u00e0 Lei Su\u00ed\u00e7a de Cr\u00e9dito ao Consumidor (KKG). Taxa de juros m\u00e1xima: 9,95% de taxa de juros anual efetiva.\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\">Perguntas mais frequentes<\/div>\n        <h2 class=\"lp-title\" id=\"bflp-faq-title\">D\u00favidas sobre a calculadora de or\u00e7amento e o empr\u00e9stimo<\/h2>\n        <p class=\"lp-sub\">Tudo o que voc\u00ea precisa saber sobre limites e or\u00e7amentos de cr\u00e9dito na Su\u00ed\u00e7a.<\/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 cr\u00e9dito posso obter na Su\u00ed\u00e7a?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              O limite de cr\u00e9dito que voc\u00ea pode obter na Su\u00ed\u00e7a depende da sua renda l\u00edquida, das suas despesas mensais (aluguel, plano de sa\u00fade, outras obriga\u00e7\u00f5es), da sua situa\u00e7\u00e3o habitacional e do seu estado civil. De acordo com a Lei de Cr\u00e9dito ao Consumidor (KKG), a presta\u00e7\u00e3o mensal do empr\u00e9stimo n\u00e3o pode ultrapassar um valor m\u00e1ximo que lhe permita cobrir as despesas de subsist\u00eancia ap\u00f3s a dedu\u00e7\u00e3o de todos os custos. Utilize nossa calculadora de or\u00e7amento para calcular seu limite de cr\u00e9dito pessoal instantaneamente e gratuitamente.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              O que \u00e9 uma calculadora de or\u00e7amento para empr\u00e9stimos?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              Uma calculadora de or\u00e7amento para empr\u00e9stimos determina seu limite de cr\u00e9dito m\u00e1ximo com base em sua renda e despesas \u2013 de acordo com os requisitos legais da Lei Su\u00ed\u00e7a de Cr\u00e9dito ao Consumidor (KKG). Ela leva em considera\u00e7\u00e3o o sal\u00e1rio l\u00edquido, custos de moradia, pr\u00eamios de seguro sa\u00fade, despesas com filhos, pens\u00e3o aliment\u00edcia, impostos e obriga\u00e7\u00f5es existentes. O resultado mostra qual parcela mensal e valor do empr\u00e9stimo s\u00e3o realisticamente acess\u00edveis para voc\u00ea.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              Quais documentos preciso para solicitar um empr\u00e9stimo na Su\u00ed\u00e7a?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              Para solicitar um empr\u00e9stimo na Su\u00ed\u00e7a, geralmente voc\u00ea precisar\u00e1 de: comprovantes de pagamento dos \u00faltimos 3 meses, uma c\u00f3pia do seu documento de identidade ou passaporte, um extrato do registro de cobran\u00e7a de d\u00edvidas e informa\u00e7\u00f5es sobre quaisquer empr\u00e9stimos ou contratos de leasing existentes. Pessoas casadas tamb\u00e9m precisar\u00e3o do comprovante de pagamento do c\u00f4njuge. A Best Finance ir\u00e1 orient\u00e1-lo(a) durante todo o processo de solicita\u00e7\u00e3o.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              Qual \u00e9 a taxa de juros para um empr\u00e9stimo pessoal na Su\u00ed\u00e7a?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              A taxa de juros m\u00e1xima legalmente exigida para empr\u00e9stimos pessoais na Su\u00ed\u00e7a \u00e9 de 9,951 TP3T (taxa anual efetiva). A Best Finance oferece empr\u00e9stimos pessoais a partir de 4,91 TP3T (taxa anual efetiva), dependendo da sua pontua\u00e7\u00e3o de cr\u00e9dito, prazo e valor do empr\u00e9stimo. Uma compara\u00e7\u00e3o sem compromisso entre diversos bancos parceiros garante a melhor taxa de juros para voc\u00ea.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              Posso verificar anonimamente quanto cr\u00e9dito posso obter?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              Sim. Nossa calculadora de or\u00e7amento \u00e9 completamente an\u00f4nima e n\u00e3o vinculativa. N\u00e3o realizamos nenhuma consulta ou avalia\u00e7\u00e3o de cr\u00e9dito. O resultado serve como um guia inicial \u2013 uma oferta vinculativa requer uma solicita\u00e7\u00e3o de empr\u00e9stimo formal com an\u00e1lise de cr\u00e9dito completa.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              Qual a diferen\u00e7a entre uma linha de cr\u00e9dito e um limite de cr\u00e9dito?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              O <strong>Linha de cr\u00e9dito<\/strong> Isso se refere ao valor m\u00e1ximo que voc\u00ea poderia solicitar com base em sua situa\u00e7\u00e3o financeira \u2013 calculado de acordo com a Lei Su\u00ed\u00e7a de Cr\u00e9dito ao Consumidor. <strong>Limite de cr\u00e9dito<\/strong> Este \u00e9 o valor efetivamente aprovado pelo banco, que depende da sua capacidade de cr\u00e9dito, da sua pontua\u00e7\u00e3o ZEK e de outros fatores. O limite de cr\u00e9dito apresentado na calculadora de or\u00e7amento \u00e9 uma estimativa; o limite de cr\u00e9dito real pode ser diferente.\n            <\/div>\n          <\/div>\n\n          <div class=\"faq-item\">\n            <button class=\"faq-q\" aria-expanded=\"false\">\n              Quem \u00e9 a Best Finance e h\u00e1 quanto tempo a empresa est\u00e1 no mercado?\n              <span class=\"faq-icon\" aria-hidden=\"true\">+<\/span>\n            <\/button>\n            <div class=\"faq-a\">\n              A Best Finance GmbH \u00e9 uma corretora de empr\u00e9stimos independente su\u00ed\u00e7a, com sede em Aarau (Bahnhofstrasse 67, 5000 Aarau) para a Su\u00ed\u00e7a de l\u00edngua alem\u00e3 e em Lausanne (Av. d&#039;Echallens 109, 1004 Lausanne) para a Su\u00ed\u00e7a de l\u00edngua francesa. Operando desde 2004, intermediamos empr\u00e9stimos pessoais por meio de importantes bancos parceiros su\u00ed\u00e7os e oferecemos aos nossos clientes consultoria personalizada em alem\u00e3o, franc\u00eas, italiano e portugu\u00eas. Nossos servi\u00e7os s\u00e3o gratuitos.\n            <\/div>\n          <\/div>\n\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n       6 \u2013 FINAL CTA\n  \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n  <section class=\"cta-sec\" aria-labelledby=\"bflp-cta-title\">\n    <div class=\"cta-inner\">\n      <div class=\"cta-badge\">\n        <svg width=\"13\" height=\"13\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z\"\/><\/svg>\n        Gratuito e sem compromisso\n      <\/div>\n      <h2 class=\"cta-h2\" id=\"bflp-cta-title\">Pronto para solicitar seu empr\u00e9stimo?<\/h2>\n      <p class=\"cta-sub\">Solicite agora uma consulta gratuita \u2013 sem compromisso, com aconselhamento personalizado, sem taxas de processamento e sem riscos.<\/p>\n      <div class=\"cta-btns\">\n        <a href=\"https:\/\/www.bestfinance.ch\/pt\/aplicacao-credito-suica\/?fo=AA&w1=LandingPageCTA\" class=\"btn-white\">\n          <svg width=\"17\" height=\"17\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M5 12h14M12 5l7 7-7 7\"\/><\/svg>\n          Solicite um empr\u00e9stimo\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          Sem taxas de processamento\n        <\/div>\n        <div class=\"cta-trust-item\">\n          <svg width=\"12\" height=\"12\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg>\n          Bancos parceiros regulamentados pela FINMA\n        <\/div>\n        <div class=\"cta-trust-item\">\n          <svg width=\"12\" height=\"12\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg>\n          Consulta pessoal em alem\u00e3o\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n       7 \u2013 DISCLAIMER\n  \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n  <div class=\"disclaimer\">\n    <div class=\"lp-wrap\">\n      <p>\n        <strong>Aviso legal:<\/strong> A calculadora de or\u00e7amento fornece uma estimativa n\u00e3o vinculativa do poss\u00edvel limite de cr\u00e9dito e n\u00e3o constitui uma oferta de empr\u00e9stimo vinculativa. Os resultados n\u00e3o substituem uma an\u00e1lise de cr\u00e9dito individual realizada por um banco. 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