{"id":9,"date":"2026-10-18T11:28:50","date_gmt":"2026-10-18T11:28:50","guid":{"rendered":"https:\/\/sos-immo.ch\/?page_id=9"},"modified":"2026-10-18T11:28:50","modified_gmt":"2026-10-18T11:28:50","slug":"simulateur-financement","status":"publish","type":"page","link":"https:\/\/sos-immo.ch\/?page_id=9","title":{"rendered":"Simulateur de financement"},"content":{"rendered":"<p>V\u00e9rifiez en deux minutes si votre projet d\u2019achat est finan\u00e7able : fonds propres, hypoth\u00e8que, charges mensuelles et revenu n\u00e9cessaire. Notre r\u00e9seau SOS vous aide ensuite \u00e0 constituer le dossier bancaire.<\/p>\n<div class=\"si-formwrap\" id=\"sosimmo-financement\"><form class=\"si-form\" method=\"post\" enctype=\"multipart\/form-data\" action=\"https:\/\/sos-immo.ch\/wp-admin\/admin-post.php\" onsubmit=\"return false\" data-tool=\"financement\" data-form=\"financement\"><input type=\"hidden\" name=\"action\" value=\"sosimmo_form\"><input type=\"hidden\" name=\"form_type\" value=\"financement\"><input type=\"hidden\" id=\"_sosimmo_nonce\" name=\"_sosimmo_nonce\" value=\"ddf96ac014\" \/><input type=\"hidden\" name=\"ts\" value=\"1792332977.04e7131c5852c9c998cb4d44d1792f97\"><div class=\"si-hp\" aria-hidden=\"true\"><label>Ne pas remplir ce champ<input type=\"text\" name=\"si_website\" tabindex=\"-1\" autocomplete=\"off\"><\/label><\/div><input type=\"hidden\" name=\"fin_result\" value=\"\"><div class=\"si-grid\"><div class=\"si-field si-half\"><label for=\"f-prix-1\">Prix d\u2019achat (CHF) <span class=\"si-req\" aria-hidden=\"true\">*<\/span><\/label><input id=\"f-prix-1\" type=\"number\" name=\"prix\" maxlength=\"200\" min=\"0\" step=\"1000\" inputmode=\"decimal\" required><\/div><div class=\"si-field si-half\"><label for=\"f-revenu-2\">Revenu annuel brut du m\u00e9nage (CHF) <span class=\"si-req\" aria-hidden=\"true\">*<\/span><\/label><input id=\"f-revenu-2\" type=\"number\" name=\"revenu\" maxlength=\"200\" min=\"0\" step=\"1000\" inputmode=\"decimal\" required><\/div><div class=\"si-field si-half\"><label for=\"f-fonds_cash-3\">Fonds propres en esp\u00e8ces (CHF)<\/label><input id=\"f-fonds_cash-3\" type=\"number\" name=\"fonds_cash\" maxlength=\"200\" min=\"0\" step=\"1000\" inputmode=\"decimal\"><\/div><div class=\"si-field si-half\"><label for=\"f-fonds_lpp-4\">2e pilier et 3e pilier utilisables (CHF)<\/label><input id=\"f-fonds_lpp-4\" type=\"number\" name=\"fonds_lpp\" maxlength=\"200\" min=\"0\" step=\"1000\" inputmode=\"decimal\"><\/div><div class=\"si-field si-half\"><label for=\"f-charges_existantes-5\">Charges mensuelles existantes (leasing, pensions, cr\u00e9dits, CHF)<\/label><input id=\"f-charges_existantes-5\" type=\"number\" name=\"charges_existantes\" maxlength=\"200\" min=\"0\" step=\"any\" inputmode=\"decimal\"><\/div><div class=\"si-field si-half\"><label for=\"f-usage-6\">Utilisation<\/label><select id=\"f-usage-6\" name=\"usage\"><option value=\"\">Choisir\u2026<\/option><option value=\"principale\">R\u00e9sidence principale<\/option><option value=\"secondaire\">R\u00e9sidence secondaire<\/option><option value=\"locatif\">Investissement locatif<\/option><\/select><\/div><\/div>        <div class=\"si-panel\" data-panel=\"financement\" aria-live=\"polite\">\n            <p class=\"si-panel-title\">Votre capacit\u00e9 de financement<\/p>\n            <p class=\"si-verdict\" data-out=\"verdict\">Renseignez le prix, vos fonds propres et votre revenu<\/p>\n            <dl class=\"si-kv\">\n                <div><dt>Hypoth\u00e8que n\u00e9cessaire<\/dt><dd data-out=\"mortgage\">\u2013<\/dd><\/div>\n                <div><dt>Fonds propres requis (20 % + frais)<\/dt><dd data-out=\"equityNeeded\">\u2013<\/dd><\/div>\n                <div><dt>Fonds propres disponibles<\/dt><dd data-out=\"equityHave\">\u2013<\/dd><\/div>\n                <div><dt>Charges th\u00e9oriques par mois<\/dt><dd data-out=\"theory\">\u2013<\/dd><\/div>\n                <div><dt>Part du revenu brut<\/dt><dd data-out=\"ratio\">\u2013<\/dd><\/div>\n                <div><dt>Revenu brut minimum requis<\/dt><dd data-out=\"minIncome\">\u2013<\/dd><\/div>\n                <div><dt>Mensualit\u00e9 estim\u00e9e au taux r\u00e9el<\/dt><dd data-out=\"real\">\u2013<\/dd><\/div>\n            <\/dl>\n            <div class=\"si-meter\" aria-hidden=\"true\"><span data-out=\"meter\"><\/span><\/div>\n            <p class=\"si-fine\">Calcul selon les pratiques usuelles des banques suisses : taux th\u00e9orique de 5 %, amortissement de la part au-del\u00e0 de 65 % en 15 ans, frais d\u2019entretien de 1 % de la valeur, charges limit\u00e9es \u00e0 un tiers du revenu brut, 20 % de fonds propres dont 10 % au moins hors 2e pilier, plus des frais d\u2019acquisition estim\u00e9s \u00e0 5 % du prix, \u00e0 payer avec vos fonds propres. R\u00e9sultat indicatif, sans engagement de la part d\u2019une banque.<\/p>\n        <\/div>\n    <div class=\"si-cta-fin\"><p><strong>Envie d\u2019aller plus loin ?<\/strong> Faites \u00e9tudier votre dossier et comparer les offres hypoth\u00e9caires par notre partenaire.<\/p><a class=\"si-btn si-btn-primary si-btn-lg\" href=\"https:\/\/sos-financement.ch\" target=\"_blank\" rel=\"noopener\">Obtenir une offre hypoth\u00e9caire sur sos-financement.ch \u2192<\/a><\/div><\/form><\/div>\n","protected":false},"excerpt":{"rendered":"<p>V\u00e9rifiez en deux minutes si votre projet d\u2019achat est finan\u00e7able : fonds propres, hypoth\u00e8que, charges mensuelles et revenu n\u00e9cessaire. Notre r\u00e9seau SOS vous aide ensuite \u00e0 constituer le dossier bancaire.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-9","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/sos-immo.ch\/index.php?rest_route=\/wp\/v2\/pages\/9","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sos-immo.ch\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/sos-immo.ch\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/sos-immo.ch\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sos-immo.ch\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=9"}],"version-history":[{"count":0,"href":"https:\/\/sos-immo.ch\/index.php?rest_route=\/wp\/v2\/pages\/9\/revisions"}],"wp:attachment":[{"href":"https:\/\/sos-immo.ch\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=9"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}