Calculateur de Mensualit\u00e9s de Cr\u00e9dit<\/title>\n <style>\n :root{\n --bg:#f4f4f4; --card:#92000A; --btn:#007bff; --btnh:#0056b3; --text:#fff; --hint:#ffe9a8;\n }\n *{ box-sizing:border-box; }\n body{ font-family:Arial,sans-serif; margin:0; padding:20px; background:var(--bg); }\n .calculator{ background:var(--card); padding:20px; border-radius:12px; box-shadow:0 0 10px rgba(0,0,0,.12); max-width:820px; margin:0 auto; }\n .calculator h2{ text-align:center; margin:0 0 18px; color:var(--text); }\n\n .grid{\n display:grid;\n gap:14px;\n grid-template-columns:repeat(auto-fit, minmax(260px, 1fr));\n align-items:start;\n }\n .field{ display:flex; flex-direction:column; }\n .field.full{ grid-column:1 \/ -1; }\n\n label{ margin-bottom:6px; color:var(--text); font-weight:600; line-height:1.25; }\n .tr{ display:block; font-weight:500; opacity:.92; font-size:13px; margin-top:4px; }\n\n input[type=\"number\"], input[readonly]{\n width:100%; padding:10px; border:1px solid #ccc; border-radius:8px; font-size:16px; background:#fff;\n }\n input[readonly]{ background:#fafafa; }\n .hint{ color:var(--hint); font-size:14px; margin:6px 0 0; }\n\n button{ width:100%; padding:12px; background:var(--btn); border:none; color:#fff; font-size:16px; border-radius:8px; cursor:pointer; margin-top:8px; }\n button:hover{ background:var(--btnh); }\n\n .result{ text-align:center; margin-top:18px; font-size:18px; color:var(--text); }\n\n input[type=number]::-webkit-outer-spin-button,\n input[type=number]::-webkit-inner-spin-button{ -webkit-appearance:none; margin:0; }\n input[type=number]{ -moz-appearance:textfield; }\n <\/style>\n<\/head>\n<body>\n\n<div class=\"calculator\">\n <h2>Calculateur de Mensualit\u00e9s de Cr\u00e9dit<\/h2>\n\n <div class=\"grid\">\n <div class=\"field\">\n <label for=\"loanAmount\">\n Montant du pr\u00eat (CHF)\n <span class=\"tr\">(DE: Kreditbetrag | IT: Importo del prestito)<\/span>\n <\/label>\n <input type=\"number\" id=\"loanAmount\" placeholder=\"Ex. 25 000\" min=\"1\" step=\"0.05\" inputmode=\"decimal\" autocomplete=\"off\"\/>\n <\/div>\n\n <div class=\"field\">\n <label for=\"downPayment\">\n Acompte (CHF)\n <span class=\"tr\">(DE: Anzahlung | IT: Acconto)<\/span>\n <\/label>\n <input type=\"number\" id=\"downPayment\" placeholder=\"Optionnel\" min=\"0\" step=\"0.05\" inputmode=\"decimal\" autocomplete=\"off\"\/>\n <\/div>\n\n <div class=\"field full\">\n <label for=\"financedAmount\">\n Montant \u00e0 financer (CHF)\n <span class=\"tr\">(DE: Zu finanzierender Betrag | IT: Importo da finanziare)<\/span>\n <\/label>\n <input type=\"number\" id=\"financedAmount\" placeholder=\"Calcul automatique\" readonly\/>\n <div class=\"hint\">\n Calcul: pr\u00eat \u2212 acompte. Arrondi au centime.\n <br\/>DE: Kreditbetrag \u2212 Anzahlung. Auf Rappen gerundet.\n <br\/>IT: Importo del prestito \u2212 acconto. Arrotondato ai centesimi.\n <\/div>\n <\/div>\n\n <div class=\"field\">\n <label for=\"loanTerm\">\n Dur\u00e9e du pr\u00eat (mois)\n <span class=\"tr\">(DE: Laufzeit (Monate) | IT: Durata (mesi))<\/span>\n <\/label>\n <input type=\"number\" id=\"loanTerm\" placeholder=\"12 \u00e0 72\" min=\"12\" max=\"72\" step=\"1\" inputmode=\"numeric\" autocomplete=\"off\"\/>\n <div class=\"hint\">\n Dur\u00e9e minimale 12 mois, maximale 72 mois.\n <br\/>DE: Mindestlaufzeit 12 Monate, maximal 72 Monate.\n <br\/>IT: Durata minima 12 mesi, massima 72 mesi.\n <\/div>\n <\/div>\n <\/div>\n\n <button id=\"calcBtn\" type=\"button\">\n Calculer la Mensualit\u00e9\n <\/button>\n <div class=\"result\" id=\"result\"><\/div>\n<\/div>\n<script>\n const loanAmountEl = document.getElementById('loanAmount');\n const downPaymentEl = document.getElementById('downPayment');\n const financedAmountEl = document.getElementById('financedAmount');\n const loanTermEl = document.getElementById('loanTerm');\n const resultEl = document.getElementById('result');\n const calcBtn = document.getElementById('calcBtn');\n\n \/\/ Taux interne (non affich\u00e9) conserv\u00e9 pour reproduire l'exemple demand\u00e9:\n \/\/ pr\u00eat 23'700, acompte 10'700, dur\u00e9e 48 mois -> mensualit\u00e9 ~ 322,55 CHF\n const ANNUAL_RATE = 0.09560864438114933; \/\/ 9,560864% \/ an (nominal), utilis\u00e9 uniquement pour le calcul\n\n const nf = new Intl.NumberFormat('fr-CH', { minimumFractionDigits: 2, maximumFractionDigits: 2 });\n\n loanAmountEl.addEventListener('input', updateFinancedAmount);\n downPaymentEl.addEventListener('input', updateFinancedAmount);\n\n function updateFinancedAmount() {\n const loanAmount = parseFloat(loanAmountEl.value) || 0;\n const downPayment = parseFloat(downPaymentEl.value) || 0;\n const financed = Math.max(loanAmount - downPayment, 0);\n financedAmountEl.value = financed.toFixed(2); \/\/ centimes\n }\n\n loanTermEl.addEventListener('blur', enforceTermBounds);\n loanTermEl.addEventListener('change', enforceTermBounds);\n\n function enforceTermBounds() {\n let term = parseInt(loanTermEl.value, 10);\n if (isNaN(term)) return;\n if (term < 12) term = 12;\n if (term > 72) term = 72;\n loanTermEl.value = term;\n }\n\n function amortizedMonthlyPayment(P, n, annualRate) {\n const r = annualRate \/ 12; \/\/ taux mensuel\n if (r === 0) return P \/ n;\n return P * (r * Math.pow(1 + r, n)) \/ (Math.pow(1 + r, n) - 1);\n }\n\n function calculateMonthlyPayment() {\n const financedAmount = parseFloat(financedAmountEl.value);\n let loanTerm = parseInt(loanTermEl.value, 10);\n\n if (isNaN(loanTerm)) {\n resultEl.innerHTML =\n 'Veuillez saisir une dur\u00e9e valide (12\u201372 mois).<br\/>' +\n 'DE: Bitte eine g\u00fcltige Laufzeit eingeben (12\u201372 Monate).<br\/>' +\n 'IT: Inserire una durata valida (12\u201372 mesi).';\n return;\n }\n\n if (loanTerm < 12) loanTerm = 12;\n if (loanTerm > 72) loanTerm = 72;\n loanTermEl.value = loanTerm;\n\n if (isNaN(financedAmount) || financedAmount <= 0) {\n resultEl.innerHTML =\n 'Veuillez saisir un montant de pr\u00eat et\/ou acompte valides.<br\/>' +\n 'DE: Bitte g\u00fcltigen Kreditbetrag und\/oder Anzahlung eingeben.<br\/>' +\n 'IT: Inserire un importo del prestito e\/o un acconto validi.';\n return;\n }\n\n const monthlyPayment = amortizedMonthlyPayment(financedAmount, loanTerm, ANNUAL_RATE);\n\n resultEl.innerHTML =\n 'Mensualit\u00e9 estim\u00e9e : <strong>' + nf.format(monthlyPayment) + ' CHF<\/strong><br\/>' +\n '<span style=\"font-size:14px;\">DE: Gesch\u00e4tzte Monatsrate | IT: Rata mensile stimata<\/span><br\/><br\/>' +\n 'Montant financ\u00e9 : ' + nf.format(financedAmount) + ' CHF<br\/>' +\n '<span style=\"font-size:14px;\">DE: Finanzierter Betrag | IT: Importo finanziato<\/span><br\/>' +\n 'Dur\u00e9e : ' + loanTerm + ' mois<br\/>' +\n '<span style=\"font-size:14px;\">DE: Laufzeit | IT: Durata<\/span>';\n }\n\n calcBtn.addEventListener('click', () => {\n enforceTermBounds();\n calculateMonthlyPayment();\n });\n\n document.addEventListener('keydown', (e) => {\n if (e.key === 'Enter') {\n enforceTermBounds();\n calculateMonthlyPayment();\n }\n });\n\n [loanAmountEl, downPaymentEl, loanTermEl].forEach(el => {\n el.addEventListener('wheel', (e) => e.preventDefault(), { passive: false });\n });\n\n updateFinancedAmount();\n<\/script>\n\n<\/body>\n<\/html>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d12212 elementor-widget elementor-widget-spacer\" data-id=\"2d12212\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\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<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d21f082 e-flex e-con-boxed e-con e-parent\" data-id=\"d21f082\" 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-796fe26 elementor-widget elementor-widget-html\" data-id=\"796fe26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<style>\n .fin-accordion{\n max-width: 820px;\n margin: 18px auto 0;\n padding: 0;\n font-family: Arial, sans-serif;\n }\n .fin-accordion details{\n border: 1px solid rgba(0,0,0,.12);\n border-radius: 12px;\n background: #fff;\n margin: 10px 0;\n overflow: hidden;\n }\n .fin-accordion summary{\n list-style: none;\n cursor: pointer;\n padding: 14px 16px;\n font-weight: 700;\n display: flex;\n align-items: center;\n justify-content: space-between;\n gap: 10px;\n user-select: none;\n }\n .fin-accordion summary::-webkit-details-marker{ display:none; }\n .fin-accordion summary .tag{\n font-weight: 700;\n font-size: 12px;\n padding: 4px 10px;\n border-radius: 999px;\n border: 1px solid rgba(0,0,0,.12);\n opacity: .85;\n white-space: nowrap;\n }\n .fin-accordion details[open] summary{\n border-bottom: 1px solid rgba(0,0,0,.08);\n }\n .fin-accordion .content{\n padding: 14px 16px 16px;\n line-height: 1.55;\n }\n .fin-accordion h3{\n margin: 10px 0 8px;\n font-size: 18px;\n }\n .fin-accordion p{ margin: 8px 0; }\n .fin-accordion ul{ margin: 8px 0 10px 18px; }\n<\/style>\n\n<div class=\"fin-accordion\">\n\n \n <details>\n <summary>\n Explications sur le cr\u00e9dit\n <span class=\"tag\">FR<\/span>\n <\/summary>\n <div class=\"content\">\n <h3>Vos avantages :<\/h3>\n <ul>\n <li>Kilom\u00e9trage illimit\u00e9.<\/li>\n <li>Pas d\u2019assurance casco compl\u00e8te obligatoire.<\/li>\n <li>Avantages fiscaux (attestation d\u2019int\u00e9r\u00eats gratuite).<\/li>\n <li>Remboursable en tout temps en partie ou en totalit\u00e9 !<\/li>\n <\/ul>\n\n <h3>Le Financement id\u00e9al pour les voitures d\u2019occasion<\/h3>\n <p>\n Ce produit conjugue les avantages d\u2019un leasing \u2013 mensualit\u00e9s attrayantes, s\u00e9curit\u00e9 et dur\u00e9es flexibles jusqu\u2019\u00e0 72 mois \u2013\n avec ceux d\u2019un cr\u00e9dit. Vous profitez ainsi d\u2019une solution souple et avantageuse.\n <\/p>\n\n <p>\n Le remboursement complet ou partiel du v\u00e9hicule repr\u00e9sente un avantage suppl\u00e9mentaire. En cas de r\u00e9siliation anticip\u00e9e,\n vous \u00e9vitez ainsi les mauvaises surprises.\n <\/p>\n\n <h3>Conditions pour l\u2019obtention :<\/h3>\n <ul>\n <li>3 fiches de salaire des trois derniers mois, d\u2019un emploi \u00e0 dur\u00e9e ind\u00e9termin\u00e9e.<\/li>\n <li>Pendant la p\u00e9riode d\u2019essai, une confirmation d\u2019engagement de l\u2019employeur peut \u00eatre exig\u00e9e.<\/li>\n <\/ul>\n\n <p>\n Nous serions ravis de vous accompagner dans cette d\u00e9marche et de trouver une solution adapt\u00e9e \u00e0 vos besoins.\n <\/p>\n <p>\n Je reste \u00e0 disposition, en cas de question !\n <\/p>\n <\/div>\n <\/details>\n\n \n <details>\n <summary>\n Informationen zur Finanzierung\n <span class=\"tag\">DE<\/span>\n <\/summary>\n <div class=\"content\">\n <h3>Ihre Vorteile:<\/h3>\n <ul>\n <li>Unbegrenzte Kilometer.<\/li>\n <li>Keine obligatorische Vollkasko-Versicherung.<\/li>\n <li>Steuervorteile (kostenlose Zinsbescheinigung).<\/li>\n <li>Jederzeit teilweise oder vollst\u00e4ndig r\u00fcckzahlbar!<\/li>\n <\/ul>\n\n <h3>Die ideale Finanzierung f\u00fcr Gebrauchtwagen<\/h3>\n <p>\n Dieses Produkt vereint die Vorteile eines Leasings \u2013 attraktive Monatsraten, Sicherheit und flexible Laufzeiten bis zu 72 Monaten \u2013\n mit den Vorteilen eines Kredits. So profitieren Sie von einer flexiblen und vorteilhaften L\u00f6sung.\n <\/p>\n\n <p>\n Die vollst\u00e4ndige oder teilweise R\u00fcckzahlung ist ein zus\u00e4tzlicher Vorteil. Bei einer vorzeitigen Beendigung vermeiden Sie so unangenehme \u00dcberraschungen.\n <\/p>\n\n <h3>Voraussetzungen f\u00fcr die Bewilligung:<\/h3>\n <ul>\n <li>3 Lohnabrechnungen der letzten drei Monate bei einem unbefristeten Arbeitsvertrag.<\/li>\n <li>W\u00e4hrend der Probezeit kann eine Arbeitsbest\u00e4tigung des Arbeitgebers verlangt werden.<\/li>\n <\/ul>\n\n <p>\n Wir begleiten Sie gerne bei diesem Vorgehen und finden eine L\u00f6sung, die zu Ihren Bed\u00fcrfnissen passt.\n <\/p>\n <p>\n Bei Fragen stehe ich Ihnen gerne zur Verf\u00fcgung!\n <\/p>\n <\/div>\n <\/details>\n\n \n <details>\n <summary>\n Informazioni sul finanziamento\n <span class=\"tag\">IT<\/span>\n <\/summary>\n <div class=\"content\">\n <h3>I vostri vantaggi:<\/h3>\n <ul>\n <li>Chilometraggio illimitato.<\/li>\n <li>Nessun obbligo di assicurazione casco completa.<\/li>\n <li>Vantaggi fiscali (attestazione degli interessi gratuita).<\/li>\n <li>Rimborsabile in qualsiasi momento, in parte o totalmente!<\/li>\n <\/ul>\n\n <h3>Il finanziamento ideale per auto usate<\/h3>\n <p>\n Questo prodotto combina i vantaggi del leasing \u2013 rate mensili interessanti, sicurezza e durate flessibili fino a 72 mesi \u2013\n con quelli di un credito. In questo modo beneficiate di una soluzione flessibile e conveniente.\n <\/p>\n\n <p>\n Il rimborso totale o parziale del veicolo rappresenta un ulteriore vantaggio. In caso di chiusura anticipata, evitate spiacevoli sorprese.\n <\/p>\n\n <h3>Condizioni per l\u2019ottenimento:<\/h3>\n <ul>\n <li>3 buste paga degli ultimi tre mesi, con contratto di lavoro a tempo indeterminato.<\/li>\n <li>Durante il periodo di prova pu\u00f2 essere richiesta una conferma d\u2019impiego da parte del datore di lavoro.<\/li>\n <\/ul>\n\n <p>\n Saremo lieti di accompagnarvi in questa procedura e di trovare una soluzione adatta alle vostre esigenze.\n <\/p>\n <p>\n Rimango a disposizione in caso di domande!\n <\/p>\n <\/div>\n <\/details>\n\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>https:\/\/les4x4repond.ch\/wp-content\/uploads\/2026\/02\/banque-video.mp4 Calculateur de Mensualit\u00e9s de Cr\u00e9dit Calculateur de Mensualit\u00e9s de Cr\u00e9dit Montant du pr\u00eat (CHF) (DE: Kreditbetrag | IT: Importo […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-1201","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/les4x4repond.ch\/index.php?rest_route=\/wp\/v2\/pages\/1201","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/les4x4repond.ch\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/les4x4repond.ch\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/les4x4repond.ch\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/les4x4repond.ch\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1201"}],"version-history":[{"count":76,"href":"https:\/\/les4x4repond.ch\/index.php?rest_route=\/wp\/v2\/pages\/1201\/revisions"}],"predecessor-version":[{"id":13713,"href":"https:\/\/les4x4repond.ch\/index.php?rest_route=\/wp\/v2\/pages\/1201\/revisions\/13713"}],"wp:attachment":[{"href":"https:\/\/les4x4repond.ch\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1201"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

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\n\t\t\t\t\t\n\n\n \n \n Calculateur de Mensualit\u00e9s de Cr\u00e9dit<\/title>\n <style>\n :root{\n --bg:#f4f4f4; --card:#92000A; --btn:#007bff; --btnh:#0056b3; --text:#fff; --hint:#ffe9a8;\n }\n *{ box-sizing:border-box; }\n body{ font-family:Arial,sans-serif; margin:0; padding:20px; background:var(--bg); }\n .calculator{ background:var(--card); padding:20px; border-radius:12px; box-shadow:0 0 10px rgba(0,0,0,.12); max-width:820px; margin:0 auto; }\n .calculator h2{ text-align:center; margin:0 0 18px; color:var(--text); }\n\n .grid{\n display:grid;\n gap:14px;\n grid-template-columns:repeat(auto-fit, minmax(260px, 1fr));\n align-items:start;\n }\n .field{ display:flex; flex-direction:column; }\n .field.full{ grid-column:1 \/ -1; }\n\n label{ margin-bottom:6px; color:var(--text); font-weight:600; line-height:1.25; }\n .tr{ display:block; font-weight:500; opacity:.92; font-size:13px; margin-top:4px; }\n\n input[type=\"number\"], input[readonly]{\n width:100%; padding:10px; border:1px solid #ccc; border-radius:8px; font-size:16px; background:#fff;\n }\n input[readonly]{ background:#fafafa; }\n .hint{ color:var(--hint); font-size:14px; margin:6px 0 0; }\n\n button{ width:100%; padding:12px; background:var(--btn); border:none; color:#fff; font-size:16px; border-radius:8px; cursor:pointer; margin-top:8px; }\n button:hover{ background:var(--btnh); }\n\n .result{ text-align:center; margin-top:18px; font-size:18px; color:var(--text); }\n\n input[type=number]::-webkit-outer-spin-button,\n input[type=number]::-webkit-inner-spin-button{ -webkit-appearance:none; margin:0; }\n input[type=number]{ -moz-appearance:textfield; }\n <\/style>\n<\/head>\n<body>\n\n<div class=\"calculator\">\n <h2>Calculateur de Mensualit\u00e9s de Cr\u00e9dit<\/h2>\n\n <div class=\"grid\">\n <div class=\"field\">\n <label for=\"loanAmount\">\n Montant du pr\u00eat (CHF)\n <span class=\"tr\">(DE: Kreditbetrag | IT: Importo del prestito)<\/span>\n <\/label>\n <input type=\"number\" id=\"loanAmount\" placeholder=\"Ex. 25 000\" min=\"1\" step=\"0.05\" inputmode=\"decimal\" autocomplete=\"off\"\/>\n <\/div>\n\n <div class=\"field\">\n <label for=\"downPayment\">\n Acompte (CHF)\n <span class=\"tr\">(DE: Anzahlung | IT: Acconto)<\/span>\n <\/label>\n <input type=\"number\" id=\"downPayment\" placeholder=\"Optionnel\" min=\"0\" step=\"0.05\" inputmode=\"decimal\" autocomplete=\"off\"\/>\n <\/div>\n\n <div class=\"field full\">\n <label for=\"financedAmount\">\n Montant \u00e0 financer (CHF)\n <span class=\"tr\">(DE: Zu finanzierender Betrag | IT: Importo da finanziare)<\/span>\n <\/label>\n <input type=\"number\" id=\"financedAmount\" placeholder=\"Calcul automatique\" readonly\/>\n <div class=\"hint\">\n Calcul: pr\u00eat \u2212 acompte. Arrondi au centime.\n <br\/>DE: Kreditbetrag \u2212 Anzahlung. Auf Rappen gerundet.\n <br\/>IT: Importo del prestito \u2212 acconto. Arrotondato ai centesimi.\n <\/div>\n <\/div>\n\n <div class=\"field\">\n <label for=\"loanTerm\">\n Dur\u00e9e du pr\u00eat (mois)\n <span class=\"tr\">(DE: Laufzeit (Monate) | IT: Durata (mesi))<\/span>\n <\/label>\n <input type=\"number\" id=\"loanTerm\" placeholder=\"12 \u00e0 72\" min=\"12\" max=\"72\" step=\"1\" inputmode=\"numeric\" autocomplete=\"off\"\/>\n <div class=\"hint\">\n Dur\u00e9e minimale 12 mois, maximale 72 mois.\n <br\/>DE: Mindestlaufzeit 12 Monate, maximal 72 Monate.\n <br\/>IT: Durata minima 12 mesi, massima 72 mesi.\n <\/div>\n <\/div>\n <\/div>\n\n <button id=\"calcBtn\" type=\"button\">\n Calculer la Mensualit\u00e9\n <\/button>\n <div class=\"result\" id=\"result\"><\/div>\n<\/div>\n<script>\n const loanAmountEl = document.getElementById('loanAmount');\n const downPaymentEl = document.getElementById('downPayment');\n const financedAmountEl = document.getElementById('financedAmount');\n const loanTermEl = document.getElementById('loanTerm');\n const resultEl = document.getElementById('result');\n const calcBtn = document.getElementById('calcBtn');\n\n \/\/ Taux interne (non affich\u00e9) conserv\u00e9 pour reproduire l'exemple demand\u00e9:\n \/\/ pr\u00eat 23'700, acompte 10'700, dur\u00e9e 48 mois -> mensualit\u00e9 ~ 322,55 CHF\n const ANNUAL_RATE = 0.09560864438114933; \/\/ 9,560864% \/ an (nominal), utilis\u00e9 uniquement pour le calcul\n\n const nf = new Intl.NumberFormat('fr-CH', { minimumFractionDigits: 2, maximumFractionDigits: 2 });\n\n loanAmountEl.addEventListener('input', updateFinancedAmount);\n downPaymentEl.addEventListener('input', updateFinancedAmount);\n\n function updateFinancedAmount() {\n const loanAmount = parseFloat(loanAmountEl.value) || 0;\n const downPayment = parseFloat(downPaymentEl.value) || 0;\n const financed = Math.max(loanAmount - downPayment, 0);\n financedAmountEl.value = financed.toFixed(2); \/\/ centimes\n }\n\n loanTermEl.addEventListener('blur', enforceTermBounds);\n loanTermEl.addEventListener('change', enforceTermBounds);\n\n function enforceTermBounds() {\n let term = parseInt(loanTermEl.value, 10);\n if (isNaN(term)) return;\n if (term < 12) term = 12;\n if (term > 72) term = 72;\n loanTermEl.value = term;\n }\n\n function amortizedMonthlyPayment(P, n, annualRate) {\n const r = annualRate \/ 12; \/\/ taux mensuel\n if (r === 0) return P \/ n;\n return P * (r * Math.pow(1 + r, n)) \/ (Math.pow(1 + r, n) - 1);\n }\n\n function calculateMonthlyPayment() {\n const financedAmount = parseFloat(financedAmountEl.value);\n let loanTerm = parseInt(loanTermEl.value, 10);\n\n if (isNaN(loanTerm)) {\n resultEl.innerHTML =\n 'Veuillez saisir une dur\u00e9e valide (12\u201372 mois).<br\/>' +\n 'DE: Bitte eine g\u00fcltige Laufzeit eingeben (12\u201372 Monate).<br\/>' +\n 'IT: Inserire una durata valida (12\u201372 mesi).';\n return;\n }\n\n if (loanTerm < 12) loanTerm = 12;\n if (loanTerm > 72) loanTerm = 72;\n loanTermEl.value = loanTerm;\n\n if (isNaN(financedAmount) || financedAmount <= 0) {\n resultEl.innerHTML =\n 'Veuillez saisir un montant de pr\u00eat et\/ou acompte valides.<br\/>' +\n 'DE: Bitte g\u00fcltigen Kreditbetrag und\/oder Anzahlung eingeben.<br\/>' +\n 'IT: Inserire un importo del prestito e\/o un acconto validi.';\n return;\n }\n\n const monthlyPayment = amortizedMonthlyPayment(financedAmount, loanTerm, ANNUAL_RATE);\n\n resultEl.innerHTML =\n 'Mensualit\u00e9 estim\u00e9e : <strong>' + nf.format(monthlyPayment) + ' CHF<\/strong><br\/>' +\n '<span style=\"font-size:14px;\">DE: Gesch\u00e4tzte Monatsrate | IT: Rata mensile stimata<\/span><br\/><br\/>' +\n 'Montant financ\u00e9 : ' + nf.format(financedAmount) + ' CHF<br\/>' +\n '<span style=\"font-size:14px;\">DE: Finanzierter Betrag | IT: Importo finanziato<\/span><br\/>' +\n 'Dur\u00e9e : ' + loanTerm + ' mois<br\/>' +\n '<span style=\"font-size:14px;\">DE: Laufzeit | IT: Durata<\/span>';\n }\n\n calcBtn.addEventListener('click', () => {\n enforceTermBounds();\n calculateMonthlyPayment();\n });\n\n document.addEventListener('keydown', (e) => {\n if (e.key === 'Enter') {\n enforceTermBounds();\n calculateMonthlyPayment();\n }\n });\n\n [loanAmountEl, downPaymentEl, loanTermEl].forEach(el => {\n el.addEventListener('wheel', (e) => e.preventDefault(), { passive: false });\n });\n\n updateFinancedAmount();\n<\/script>\n\n<\/body>\n<\/html>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d12212 elementor-widget elementor-widget-spacer\" data-id=\"2d12212\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\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<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d21f082 e-flex e-con-boxed e-con e-parent\" data-id=\"d21f082\" 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-796fe26 elementor-widget elementor-widget-html\" data-id=\"796fe26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<style>\n .fin-accordion{\n max-width: 820px;\n margin: 18px auto 0;\n padding: 0;\n font-family: Arial, sans-serif;\n }\n .fin-accordion details{\n border: 1px solid rgba(0,0,0,.12);\n border-radius: 12px;\n background: #fff;\n margin: 10px 0;\n overflow: hidden;\n }\n .fin-accordion summary{\n list-style: none;\n cursor: pointer;\n padding: 14px 16px;\n font-weight: 700;\n display: flex;\n align-items: center;\n justify-content: space-between;\n gap: 10px;\n user-select: none;\n }\n .fin-accordion summary::-webkit-details-marker{ display:none; }\n .fin-accordion summary .tag{\n font-weight: 700;\n font-size: 12px;\n padding: 4px 10px;\n border-radius: 999px;\n border: 1px solid rgba(0,0,0,.12);\n opacity: .85;\n white-space: nowrap;\n }\n .fin-accordion details[open] summary{\n border-bottom: 1px solid rgba(0,0,0,.08);\n }\n .fin-accordion .content{\n padding: 14px 16px 16px;\n line-height: 1.55;\n }\n .fin-accordion h3{\n margin: 10px 0 8px;\n font-size: 18px;\n }\n .fin-accordion p{ margin: 8px 0; }\n .fin-accordion ul{ margin: 8px 0 10px 18px; }\n<\/style>\n\n<div class=\"fin-accordion\">\n\n \n <details>\n <summary>\n Explications sur le cr\u00e9dit\n <span class=\"tag\">FR<\/span>\n <\/summary>\n <div class=\"content\">\n <h3>Vos avantages :<\/h3>\n <ul>\n <li>Kilom\u00e9trage illimit\u00e9.<\/li>\n <li>Pas d\u2019assurance casco compl\u00e8te obligatoire.<\/li>\n <li>Avantages fiscaux (attestation d\u2019int\u00e9r\u00eats gratuite).<\/li>\n <li>Remboursable en tout temps en partie ou en totalit\u00e9 !<\/li>\n <\/ul>\n\n <h3>Le Financement id\u00e9al pour les voitures d\u2019occasion<\/h3>\n <p>\n Ce produit conjugue les avantages d\u2019un leasing \u2013 mensualit\u00e9s attrayantes, s\u00e9curit\u00e9 et dur\u00e9es flexibles jusqu\u2019\u00e0 72 mois \u2013\n avec ceux d\u2019un cr\u00e9dit. Vous profitez ainsi d\u2019une solution souple et avantageuse.\n <\/p>\n\n <p>\n Le remboursement complet ou partiel du v\u00e9hicule repr\u00e9sente un avantage suppl\u00e9mentaire. En cas de r\u00e9siliation anticip\u00e9e,\n vous \u00e9vitez ainsi les mauvaises surprises.\n <\/p>\n\n <h3>Conditions pour l\u2019obtention :<\/h3>\n <ul>\n <li>3 fiches de salaire des trois derniers mois, d\u2019un emploi \u00e0 dur\u00e9e ind\u00e9termin\u00e9e.<\/li>\n <li>Pendant la p\u00e9riode d\u2019essai, une confirmation d\u2019engagement de l\u2019employeur peut \u00eatre exig\u00e9e.<\/li>\n <\/ul>\n\n <p>\n Nous serions ravis de vous accompagner dans cette d\u00e9marche et de trouver une solution adapt\u00e9e \u00e0 vos besoins.\n <\/p>\n <p>\n Je reste \u00e0 disposition, en cas de question !\n <\/p>\n <\/div>\n <\/details>\n\n \n <details>\n <summary>\n Informationen zur Finanzierung\n <span class=\"tag\">DE<\/span>\n <\/summary>\n <div class=\"content\">\n <h3>Ihre Vorteile:<\/h3>\n <ul>\n <li>Unbegrenzte Kilometer.<\/li>\n <li>Keine obligatorische Vollkasko-Versicherung.<\/li>\n <li>Steuervorteile (kostenlose Zinsbescheinigung).<\/li>\n <li>Jederzeit teilweise oder vollst\u00e4ndig r\u00fcckzahlbar!<\/li>\n <\/ul>\n\n <h3>Die ideale Finanzierung f\u00fcr Gebrauchtwagen<\/h3>\n <p>\n Dieses Produkt vereint die Vorteile eines Leasings \u2013 attraktive Monatsraten, Sicherheit und flexible Laufzeiten bis zu 72 Monaten \u2013\n mit den Vorteilen eines Kredits. So profitieren Sie von einer flexiblen und vorteilhaften L\u00f6sung.\n <\/p>\n\n <p>\n Die vollst\u00e4ndige oder teilweise R\u00fcckzahlung ist ein zus\u00e4tzlicher Vorteil. Bei einer vorzeitigen Beendigung vermeiden Sie so unangenehme \u00dcberraschungen.\n <\/p>\n\n <h3>Voraussetzungen f\u00fcr die Bewilligung:<\/h3>\n <ul>\n <li>3 Lohnabrechnungen der letzten drei Monate bei einem unbefristeten Arbeitsvertrag.<\/li>\n <li>W\u00e4hrend der Probezeit kann eine Arbeitsbest\u00e4tigung des Arbeitgebers verlangt werden.<\/li>\n <\/ul>\n\n <p>\n Wir begleiten Sie gerne bei diesem Vorgehen und finden eine L\u00f6sung, die zu Ihren Bed\u00fcrfnissen passt.\n <\/p>\n <p>\n Bei Fragen stehe ich Ihnen gerne zur Verf\u00fcgung!\n <\/p>\n <\/div>\n <\/details>\n\n \n <details>\n <summary>\n Informazioni sul finanziamento\n <span class=\"tag\">IT<\/span>\n <\/summary>\n <div class=\"content\">\n <h3>I vostri vantaggi:<\/h3>\n <ul>\n <li>Chilometraggio illimitato.<\/li>\n <li>Nessun obbligo di assicurazione casco completa.<\/li>\n <li>Vantaggi fiscali (attestazione degli interessi gratuita).<\/li>\n <li>Rimborsabile in qualsiasi momento, in parte o totalmente!<\/li>\n <\/ul>\n\n <h3>Il finanziamento ideale per auto usate<\/h3>\n <p>\n Questo prodotto combina i vantaggi del leasing \u2013 rate mensili interessanti, sicurezza e durate flessibili fino a 72 mesi \u2013\n con quelli di un credito. In questo modo beneficiate di una soluzione flessibile e conveniente.\n <\/p>\n\n <p>\n Il rimborso totale o parziale del veicolo rappresenta un ulteriore vantaggio. In caso di chiusura anticipata, evitate spiacevoli sorprese.\n <\/p>\n\n <h3>Condizioni per l\u2019ottenimento:<\/h3>\n <ul>\n <li>3 buste paga degli ultimi tre mesi, con contratto di lavoro a tempo indeterminato.<\/li>\n <li>Durante il periodo di prova pu\u00f2 essere richiesta una conferma d\u2019impiego da parte del datore di lavoro.<\/li>\n <\/ul>\n\n <p>\n Saremo lieti di accompagnarvi in questa procedura e di trovare una soluzione adatta alle vostre esigenze.\n <\/p>\n <p>\n Rimango a disposizione in caso di domande!\n <\/p>\n <\/div>\n <\/details>\n\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>https:\/\/les4x4repond.ch\/wp-content\/uploads\/2026\/02\/banque-video.mp4 Calculateur de Mensualit\u00e9s de Cr\u00e9dit Calculateur de Mensualit\u00e9s de Cr\u00e9dit Montant du pr\u00eat (CHF) (DE: Kreditbetrag | IT: Importo […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-1201","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/les4x4repond.ch\/index.php?rest_route=\/wp\/v2\/pages\/1201","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/les4x4repond.ch\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/les4x4repond.ch\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/les4x4repond.ch\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/les4x4repond.ch\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1201"}],"version-history":[{"count":76,"href":"https:\/\/les4x4repond.ch\/index.php?rest_route=\/wp\/v2\/pages\/1201\/revisions"}],"predecessor-version":[{"id":13713,"href":"https:\/\/les4x4repond.ch\/index.php?rest_route=\/wp\/v2\/pages\/1201\/revisions\/13713"}],"wp:attachment":[{"href":"https:\/\/les4x4repond.ch\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1201"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}