{"id":7939,"date":"2026-05-26T16:23:53","date_gmt":"2026-05-26T16:23:53","guid":{"rendered":"https:\/\/suisse-homes.weiter.ch\/buy\/mortgage-calculator\/"},"modified":"2026-06-02T08:45:06","modified_gmt":"2026-06-02T08:45:06","slug":"mortgage-calculator","status":"publish","type":"page","link":"https:\/\/suisse-homes.ch\/en\/buy\/mortgage-calculator\/","title":{"rendered":"Mortgage Calculator"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7939\" class=\"elementor elementor-7939 elementor-3378\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-73a6296 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"73a6296\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b5f1fc9\" data-id=\"b5f1fc9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3cfa3e2 elementor-widget elementor-widget-html\" data-id=\"3cfa3e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>.elementor-element-73a6296 > .elementor-container { max-width:100%!important;width:100%!important;padding:0!important; }\n.elementor-element-73a6296 .elementor-column,.elementor-element-73a6296 .elementor-widget-wrap,.elementor-element-73a6296 .elementor-widget,.elementor-element-73a6296 .elementor-widget-container { padding:0!important;margin:0!important; }\n.sh-hyp-hero { width:100vw!important;margin-left:calc(50% - 50vw)!important;margin-right:calc(50% - 50vw)!important;max-width:100vw!important;--r:#B73C2B;--rd:#8C2D20;position:relative;min-height:640px;background-image:url('https:\/\/suisse-homes.ch\/wp-content\/uploads\/2026\/05\/sh-hero-NEW-hypothekenrechner.png');background-size:cover;background-position:center;display:flex;align-items:flex-end;font-family:inherit;color:inherit; }\n.sh-hyp-hero__strip { width:100%;background:rgba(20,20,20,0.78);backdrop-filter:blur(6px);-webkit-backdrop-filter:blur(6px);padding:40px 0; }\n.sh-hyp-hero__inner { max-width:1340px;margin:0 auto;padding:0 32px;display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:flex-start; }\n@media (max-width:880px) { .sh-hyp-hero__inner { grid-template-columns:1fr;gap:24px; } }\n.sh-hyp-hero .ey { display:block;font-size:12px;letter-spacing:.18em;font-weight:600;text-transform:uppercase;color:rgba(255,255,255,.85);margin-bottom:14px;line-height:1; }\n.sh-hyp-hero h1 { color:#fff!important;font-size:clamp(28px,3.6vw,42px);font-weight:300;line-height:1.18;letter-spacing:-.01em;margin:0;text-wrap:balance; }\n.sh-hyp-hero__lead { color:rgba(255,255,255,.92)!important;font-size:17px;line-height:1.55;margin:0 0 40px!important;text-wrap:pretty; }\n.sh-hyp-hero__btns { display:flex;gap:14px;flex-wrap:wrap; }\n.sh-hyp-hero__btn { display:inline-block;padding:14px 28px;border-radius:7px;font-size:13px;font-weight:600;text-transform:uppercase;letter-spacing:.08em;text-decoration:none;transition:all .25s;border:1.5px solid transparent; }\n.sh-hyp-hero__btn--red,.sh-hyp-hero a.sh-hyp-hero__btn--red { background:var(--r);color:#fff!important;border-color:var(--r); }\n.sh-hyp-hero__btn--red:hover { background:var(--rd);border-color:var(--rd); }\n.sh-hyp-hero__btn--ghost,.sh-hyp-hero a.sh-hyp-hero__btn--ghost { background:transparent!important;color:#fff!important;border-color:#fff!important; }\n.sh-hyp-hero__btn--ghost:hover { background:rgba(255,255,255,.12); }\n<\/style><section class=\"sh-hyp-hero\"><div class=\"sh-hyp-hero__strip\"><div class=\"sh-hyp-hero__inner\"><div><span class=\"ey\">MORTGAGE CALCULATOR<\/span><h1>Your budget. Your home. Clearly calculated.<\/h1><\/div><div><p class=\"sh-hyp-hero__lead\">Calculate your affordability, the required equity and your monthly mortgage costs in just a few steps \u2013 soundly and transparently.<\/p><div class=\"sh-hyp-hero__btns\"><a class=\"sh-hyp-hero__btn sh-hyp-hero__btn--red\" href=\"#rechner\">Calculate now \u2192<\/a><a class=\"sh-hyp-hero__btn sh-hyp-hero__btn--ghost\" href=\"https:\/\/suisse-homes.ch\/en\/contact\/\">Request advice<\/a><\/div><\/div><\/div><\/div><\/section>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-195a508 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"195a508\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f580ce8\" data-id=\"f580ce8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e076311 elementor-widget elementor-widget-html\" data-id=\"e076311\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>.sh-hyp-calc { width:100vw!important; 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color:var(--text) !important; border-color:rgba(30,30,30,.18); }\n.sh-hyp-calc__btn--ghost:hover { border-color:var(--r); color:var(--r) !important; }\n\n.sh-hyp-calc__result { margin-top:36px; padding:28px 32px; background:#F9F6F1; border-radius:10px; display:none; }\n.sh-hyp-calc__result.is-visible { display:block; }\n.sh-hyp-calc__result-grid { display:grid; grid-template-columns:1fr 1fr 1fr; gap:24px; margin-bottom:20px; }\n@media (max-width:720px) { .sh-hyp-calc__result-grid { grid-template-columns:1fr; gap:16px; } }\n.sh-hyp-calc__result-item { text-align:left; }\n.sh-hyp-calc__result-item .lbl { display:block; font-size:11px; letter-spacing:.16em; text-transform:uppercase; color:var(--muted); font-weight:700; margin-bottom:6px; }\n.sh-hyp-calc__result-item .val { font-size:22px; font-weight:300; color:var(--text); letter-spacing:-.01em; }\n.sh-hyp-calc__status { padding:16px 24px; border-radius:8px; text-align:center; font-weight:600; font-size:16px; letter-spacing:.02em; color:#fff; }\n.sh-hyp-calc__status.is-good { background:var(--good); }\n.sh-hyp-calc__status.is-bad { background:var(--r); }\n.sh-hyp-calc__warn { color:var(--r); text-align:center; margin-top:14px; font-size:14px; font-weight:600; display:none; }\n.sh-hyp-calc__warn.is-visible { display:block; }\n.sh-hyp-calc__note { margin-top:18px; font-size:13px; line-height:1.55; color:var(--muted); text-align:center; }\n<\/style><section class=\"sh-hyp-calc\" id=\"rechner\"><div class=\"sh-hyp-calc__inner\"><div class=\"sh-hyp-calc__head\"><span class=\"ey\">Calculator<\/span><h2>What you can&nbsp;afford<\/h2><div class=\"sh-hyp-calc__rule\"><\/div><p>Enter the purchase price, equity and gross annual income. We check affordability according to the Swiss banking standard (33% rule, notional interest rate of 5%).<\/p><\/div><div class=\"sh-hyp-calc__card\" id=\"calculator-container\"><div class=\"sh-hyp-calc__row\"><label for=\"kaufpreis-input\">Purchase price<\/label><input type=\"range\" id=\"kaufpreis-slider\" min=\"100000\" max=\"3000000\" step=\"10000\" value=\"900000\"><div class=\"sh-hyp-calc__inp\"><input type=\"number\" id=\"kaufpreis-input\" value=\"900000\" min=\"0\"><span class=\"unit\">CHF<\/span><\/div><\/div><div class=\"sh-hyp-calc__row\"><label for=\"eigeneMittel-input\">Equity<\/label><input type=\"range\" id=\"eigeneMittel-slider\" min=\"20000\" max=\"1500000\" step=\"5000\" value=\"200000\"><div class=\"sh-hyp-calc__inp\"><input type=\"number\" id=\"eigeneMittel-input\" value=\"200000\" min=\"0\"><span class=\"unit\">CHF<\/span><\/div><\/div><div class=\"sh-hyp-calc__row\"><label for=\"jahreseinkommen-input\">Gross annual income<\/label><input type=\"range\" id=\"jahreseinkommen-slider\" min=\"40000\" max=\"500000\" step=\"5000\" value=\"140000\"><div class=\"sh-hyp-calc__inp\"><input type=\"number\" id=\"jahreseinkommen-input\" value=\"140000\" min=\"0\"><span class=\"unit\">CHF<\/span><\/div><\/div><div class=\"sh-hyp-calc__btns\"><button type=\"button\" class=\"sh-hyp-calc__btn sh-hyp-calc__btn--red\" onclick=\"shHypBerechnen()\">Calculate \u2192<\/button><button type=\"button\" class=\"sh-hyp-calc__btn sh-hyp-calc__btn--ghost\" onclick=\"shHypPdf()\">Save as PDF<\/button><\/div><div class=\"sh-hyp-calc__warn\" id=\"sh-hyp-warn\"><\/div><div class=\"sh-hyp-calc__result\" id=\"sh-hyp-result\"><div class=\"sh-hyp-calc__result-grid\"><div class=\"sh-hyp-calc__result-item\"><span class=\"lbl\">Mortgage<\/span><span class=\"val\" id=\"r-hypo\">\u2014<\/span><\/div><div class=\"sh-hyp-calc__result-item\"><span class=\"lbl\">Loan-to-value<\/span><span class=\"val\" id=\"r-belehnung\">\u2014<\/span><\/div><div class=\"sh-hyp-calc__result-item\"><span class=\"lbl\">Affordability<\/span><span class=\"val\" id=\"r-tragbarkeit\">\u2014<\/span><\/div><\/div><div class=\"sh-hyp-calc__status\" id=\"r-status\">\u2014<\/div><\/div><p class=\"sh-hyp-calc__note\">Assumptions: notional rate 5%, ancillary costs 1% p.a., amortisation 1% p.a., affordability limit 33%. Indicative \u2014 the binding calculation takes place in the consultation.<\/p><\/div><\/div><\/section><script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/jspdf\/2.5.1\/jspdf.umd.min.js\"><\/script><script>(function(){\n  if (window.shHypInit) return;\n  window.shHypInit = true;\n\n  var ZINSSATZ_KALK = 0.05;\n  var NEBENKOSTEN_SATZ = 0.01;\n  var AMORTISATION_SATZ = 0.01;\n  var TRAGBARKEITSGRENZE = 1\/3;\n  var MIN_EM_ANTEIL = 0.20;\n\n  var pairs = [['kaufpreis','kaufpreis'],['eigeneMittel','eigeneMittel'],['jahreseinkommen','jahreseinkommen']];\n  pairs.forEach(function(p){\n    var slider = document.getElementById(p[0]+'-slider');\n    var input = document.getElementById(p[1]+'-input');\n    if(!slider||!input) return;\n    slider.addEventListener('input', function(){ input.value = slider.value; });\n    input.addEventListener('input', function(){\n      slider.value = input.value;\n    });\n  });\n\n  function chf(v){ return Math.round(v).toLocaleString('de-CH') + ' CHF'; }\n  function pct(v){ return (v*100).toFixed(1).replace('.', ',') + ' %'; }\n\n  window.shHypBerechnen = function(){\n    var kp = parseFloat(document.getElementById('kaufpreis-input').value) || 0;\n    var em = parseFloat(document.getElementById('eigeneMittel-input').value) || 0;\n    var je = parseFloat(document.getElementById('jahreseinkommen-input').value) || 0;\n    var warnBox = document.getElementById('sh-hyp-warn');\n    warnBox.textContent = ''; warnBox.classList.remove('is-visible');\n\n    if (kp<=0 || je<=0) {\n      warnBox.textContent = 'Please enter the purchase price and income.';\n      warnBox.classList.add('is-visible');\n      return;\n    }\n    var hypo = kp - em;\n    if (em < kp * MIN_EM_ANTEIL) {\n      warnBox.textContent = 'Note: banks typically require at least 20% equity ('+ chf(kp * MIN_EM_ANTEIL) +').';\n      warnBox.classList.add('is-visible');\n    }\n    var kalk = (hypo * ZINSSATZ_KALK) + (kp * NEBENKOSTEN_SATZ) + (hypo * AMORTISATION_SATZ);\n    var ratio = kalk \/ je;\n    var belehnung = kp>0 ? hypo \/ kp : 0;\n\n    document.getElementById('r-hypo').textContent = chf(hypo);\n    document.getElementById('r-belehnung').textContent = pct(belehnung);\n    document.getElementById('r-tragbarkeit').textContent = pct(ratio);\n\n    var st = document.getElementById('r-status');\n    if (ratio <= TRAGBARKEITSGRENZE && em >= kp * MIN_EM_ANTEIL) {\n      st.textContent = 'Affordable \u2014 meets Swiss banking standards';\n      st.className = 'sh-hyp-calc__status is-good';\n    } else {\n      st.textContent = 'Not affordable \u2014 let\\'s discuss alternatives';\n      st.className = 'sh-hyp-calc__status is-bad';\n    }\n    document.getElementById('sh-hyp-result').classList.add('is-visible');\n  };\n\n  window.shHypPdf = function(){\n    var hypoEl = document.getElementById('r-hypo');\n    if (!hypoEl || hypoEl.textContent === '\u2014') {\n      window.shHypBerechnen();\n    }\n    if (!window.jspdf) { alert('PDF library not loaded.'); return; }\n    var doc = new window.jspdf.jsPDF({ unit:'mm', format:'a4' });\n    var kp = document.getElementById('kaufpreis-input').value;\n    var em = document.getElementById('eigeneMittel-input').value;\n    var je = document.getElementById('jahreseinkommen-input').value;\n    doc.setFontSize(18); doc.text('Mortgage calculation \u2014 Suisse Homes', 20, 25);\n    doc.setFontSize(11); doc.setTextColor(80);\n    var y = 40;\n    doc.text('Purchase price:', 20, y); doc.text(parseInt(kp).toLocaleString('de-CH') + ' CHF', 80, y); y+=8;\n    doc.text('Equity:', 20, y); doc.text(parseInt(em).toLocaleString('de-CH') + ' CHF', 80, y); y+=8;\n    doc.text('Gross annual income:', 20, y); doc.text(parseInt(je).toLocaleString('de-CH') + ' CHF', 80, y); y+=14;\n    doc.setDrawColor(183,60,43); doc.line(20, y-7, 80, y-7);\n    doc.text('Mortgage:', 20, y); doc.text(hypoEl.textContent, 80, y); y+=8;\n    doc.text('Loan-to-value:', 20, y); doc.text(document.getElementById('r-belehnung').textContent, 80, y); y+=8;\n    doc.text('Affordability:', 20, y); doc.text(document.getElementById('r-tragbarkeit').textContent, 80, y); y+=14;\n    doc.setTextColor(120,120,120); doc.setFontSize(9);\n    doc.text('Assumptions: notional rate 5%, ancillary 1% p.a., amort. 1% p.a., affordability limit 33%.', 20, y); y+=5;\n    doc.text('Indicative. 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}\n.sh-v-proc__head p { font-size:17px; line-height:1.6; color:var(--body); max-width:680px; margin:0 auto !important; text-align:center; }\n\n.sh-v-carousel { max-width:1280px; margin:0 auto; background:var(--warm); border-radius:18px; overflow:hidden; box-shadow:0 24px 48px rgba(20,20,20,.08); }\n.sh-v-slides { position:relative; }\n.sh-v-slide { display:none; grid-template-columns:1fr 1fr; min-height:540px; align-items:stretch; }\n.sh-v-slide.is-active { display:grid; }\n@media (max-width:900px) {\n  .sh-v-slide.is-active { grid-template-columns:1fr; }\n  .sh-v-slide__body { padding:36px 28px !important; }\n}\n.sh-v-slide__media { position:relative; background-size:cover; background-position:center; min-height:320px; }\n.sh-v-slide__body { padding:50px 56px; display:flex; flex-direction:column; justify-content:center; }\n.sh-v-slide .ey { font-size:11px; text-transform:uppercase; letter-spacing:.16em; color:var(--r); font-weight:700; display:block; margin-bottom:12px; }\n.sh-v-slide h3 { font-size:clamp(22px,2.4vw,30px) !important; font-weight:400 !important; line-height:1.22 !important; letter-spacing:-.01em !important; color:var(--text) !important; margin:0 0 18px !important; }\n.sh-v-slide__rule { width:40px; height:3px; background:var(--r); margin:0 0 18px; align-self:flex-start; margin-left:0 !important; margin-right:auto !important; }\n.sh-v-slide__text { font-size:16px; line-height:1.6; color:var(--body); margin:0; }\n\n.sh-v-nav { display:grid; grid-template-columns:1fr auto 1fr; align-items:center; padding:24px 32px; border-top:1px solid rgba(0,0,0,.06); }\n.sh-v-nav__count { font-size:17px !important; color:var(--body); letter-spacing:.04em; justify-self:start; }\n.sh-v-nav__count strong { color:var(--text); font-size:28px !important; font-weight:600 !important; }\n.sh-v-nav__dots { display:flex; gap:10px; justify-self:center; }\n.sh-v-nav__buttons { display:flex; align-items:center; gap:10px; justify-self:end; }\n.sh-v button.sh-v-nav__btn { background:transparent !important; border:1.5px solid var(--text) !important; color:var(--text) !important; cursor:pointer;\n  width:44px !important; height:44px !important; min-width:44px !important; border-radius:50% !important;\n  display:inline-flex !important; align-items:center !important; justify-content:center !important;\n  transition:all .2s; padding:0 !important; box-shadow:none !important; }\n.sh-v button.sh-v-nav__btn .sh-v-arrow { font-size:18px; line-height:1; color:var(--text); font-family:-apple-system,BlinkMacSystemFont,\"Segoe UI\",Arial,sans-serif; font-weight:400; }\n.sh-v button.sh-v-nav__btn:hover { background:var(--text) !important; }\n.sh-v button.sh-v-nav__btn:hover .sh-v-arrow { color:#fff !important; }\n.sh-v button.sh-v-nav__btn[disabled] { opacity:.25; cursor:not-allowed; }\n.sh-v button.sh-v-nav__btn[disabled]:hover { background:transparent !important; }\n.sh-v button.sh-v-nav__btn[disabled]:hover .sh-v-arrow { color:var(--text) !important; }\n.sh-v button.sh-v-dot { width:8px !important; height:8px !important; min-width:8px !important; min-height:8px !important; max-width:8px !important; max-height:8px !important;\n  border-radius:50% !important; background:#B8B3AE !important; cursor:pointer; border:none !important;\n  padding:0 !important; margin:0 !important; transition:background .2s, transform .2s; box-shadow:none !important; display:inline-block; }\n.sh-v button.sh-v-dot.is-active { background:var(--r) !important; transform:scale(1.3); }\n<\/style><section class=\"sh-v\"><div class=\"sh-v-proc\"><div class=\"sh-v-proc__head\"><span class=\"ey\">How to use the calculator<\/span><h2>Your number in four&nbsp;steps<\/h2><div class=\"sh-v-proc__rule\" style=\"margin:24px auto 20px !important;\"><\/div><p>From purchase price to affordability \u2014 what lies behind each field.<\/p><\/div><div class=\"sh-v-carousel\" data-sh-carousel-hyp><div class=\"sh-v-slides\"><div class=\"sh-v-slide is-active\"><div class=\"sh-v-slide__media\" style=\"background-image:url('https:\/\/suisse-homes.ch\/wp-content\/uploads\/2026\/05\/sh-hero-haus-extern-01.jpg');\"><\/div><div class=\"sh-v-slide__body\"><span class=\"ey\">01 \u00b7 Purchase price<\/span><h3>What does your desired&nbsp;property cost?<\/h3><div class=\"sh-v-slide__rule\" style=\"margin-left:0 !important;margin-right:auto !important;\"><\/div><p class=\"sh-v-slide__text\">Enter the price of the property you have in mind \u2014 or an estimate if you are still searching. The slider and input field are linked, you can use either.<\/p><\/div><\/div><div class=\"sh-v-slide\"><div class=\"sh-v-slide__media\" style=\"background-image:url('https:\/\/suisse-homes.ch\/wp-content\/uploads\/2026\/05\/sh-hero-blueprint-01.jpg');\"><\/div><div class=\"sh-v-slide__body\"><span class=\"ey\">02 \u00b7 Equity<\/span><h3>How much can you contribute&nbsp;yourself?<\/h3><div class=\"sh-v-slide__rule\" style=\"margin-left:0 !important;margin-right:auto !important;\"><\/div><p class=\"sh-v-slide__text\">Banks require at least 20% equity \u2014 of which at least 10% as \"hard\" funds (savings, securities, gifts). An advance withdrawal from your pension fund counts towards the second half.<\/p><\/div><\/div><div class=\"sh-v-slide\"><div class=\"sh-v-slide__media\" style=\"background-image:url('https:\/\/suisse-homes.ch\/wp-content\/uploads\/2026\/05\/sh-finanzierung-02.jpg');\"><\/div><div class=\"sh-v-slide__body\"><span class=\"ey\">03 \u00b7 Income<\/span><h3>What do you earn&nbsp;monthly?<\/h3><div class=\"sh-v-slide__rule\" style=\"margin-left:0 !important;margin-right:auto !important;\"><\/div><p class=\"sh-v-slide__text\">Your gross annual income determines whether the mortgage is affordable. Rule of thumb: housing costs must not exceed one third of gross income \u2014 calculated with a notional rate of 5%.<\/p><\/div><\/div><div class=\"sh-v-slide\"><div class=\"sh-v-slide__media\" style=\"background-image:url('https:\/\/suisse-homes.ch\/wp-content\/uploads\/2026\/05\/sh-hero-handshake-01.jpg');\"><\/div><div class=\"sh-v-slide__body\"><span class=\"ey\">04 \u00b7 Result<\/span><h3>Affordable or not \u2013 and&nbsp;then?<\/h3><div class=\"sh-v-slide__rule\" style=\"margin-left:0 !important;margin-right:auto !important;\"><\/div><p class=\"sh-v-slide__text\">You see the mortgage amount, loan-to-value ratio and affordability. Green = fine. Red = we discuss alternatives (more equity, a different property, longer amortisation). It becomes binding in the consultation.<\/p><\/div><\/div><\/div><div class=\"sh-v-nav\"><div class=\"sh-v-nav__count\"><strong data-sh-cur-hyp>01<\/strong> <span style=\"color:#787878\">\/ 04<\/span><\/div><div class=\"sh-v-nav__dots\" data-sh-dots-hyp><button class=\"sh-v-dot is-active\" data-sh-go-hyp=\"0\" aria-label=\"1\"><\/button><button class=\"sh-v-dot\" data-sh-go-hyp=\"1\" aria-label=\"2\"><\/button><button class=\"sh-v-dot\" data-sh-go-hyp=\"2\" aria-label=\"3\"><\/button><button class=\"sh-v-dot\" data-sh-go-hyp=\"3\" aria-label=\"4\"><\/button><\/div><div class=\"sh-v-nav__buttons\"><button class=\"sh-v-nav__btn\" data-sh-prev-hyp aria-label=\"Previous\" disabled><span class=\"sh-v-arrow\">\u2190<\/span><\/button><button class=\"sh-v-nav__btn\" data-sh-next-hyp aria-label=\"Next\"><span class=\"sh-v-arrow\">\u2192<\/span><\/button><\/div><\/div><\/div><\/div><\/section><script>(function() {\n  document.querySelectorAll('[data-sh-carousel-hyp]').forEach(function(c) {\n    if (c.dataset.shInit === '1') return;\n    c.dataset.shInit = '1';\n    var slides = c.querySelectorAll('.sh-v-slide');\n    var dots = c.querySelectorAll('[data-sh-go-hyp]');\n    var prev = c.querySelector('[data-sh-prev-hyp]');\n    var next = c.querySelector('[data-sh-next-hyp]');\n    var cur = c.querySelector('[data-sh-cur-hyp]');\n    var i = 0;\n    function go(n) {\n      i = Math.max(0, Math.min(slides.length - 1, n));\n      slides.forEach(function(s, idx){ s.classList.toggle('is-active', idx === i); });\n      dots.forEach(function(d, idx){ d.classList.toggle('is-active', idx === i); });\n      if (cur) cur.textContent = String(i + 1).padStart(2, '0');\n      if (prev) prev.disabled = (i === 0);\n      if (next) next.disabled = (i === slides.length - 1);\n    }\n    if (prev) prev.addEventListener('click', function(){ go(i - 1); });\n    if (next) next.addEventListener('click', function(){ go(i + 1); });\n    dots.forEach(function(d){ d.addEventListener('click', function(){ go(+d.dataset.shGoHyp); }); });\n  });\n})();\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-708b979 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"708b979\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0a1eda9\" data-id=\"0a1eda9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b00aa7a elementor-widget elementor-widget-html\" data-id=\"b00aa7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>.sh-hyp-glo { width:100vw!important; margin-left:calc(50% - 50vw)!important; margin-right:calc(50% - 50vw)!important; max-width:100vw!important;\n  background:#F9F6F1; padding:96px 24px;\n  --r:#B73C2B; --text:#1E1E1E; --body:#4A4A4A; --muted:#787878;\n  font-family:inherit; color:var(--body); }\n.sh-hyp-glo__inner { max-width:880px; margin:0 auto; }\n.sh-hyp-glo__head { text-align:center; margin-bottom:56px; }\n.sh-hyp-glo__head .ey { display:block; font-size:12px; letter-spacing:.2em; text-transform:uppercase; color:var(--r); font-weight:700; margin-bottom:14px; }\n.sh-hyp-glo__head h2 { font-size:clamp(28px,3.2vw,40px); font-weight:300; line-height:1.22; letter-spacing:-.01em; color:var(--text)!important; margin:0 0 18px !important; text-wrap:balance; }\n.sh-hyp-glo__rule { width:48px; height:3px; background:var(--r); margin:24px auto 20px !important; border-radius:2px; }\n.sh-hyp-glo__head p { font-size:17px; line-height:1.6; color:var(--body); max-width:680px; margin:0 auto !important; }\n\n.sh-hyp-glo__list { display:flex; flex-direction:column; gap:1px; background:rgba(30,30,30,.10); border-radius:10px; overflow:hidden; }\n.sh-hyp-glo__item { background:#fff; padding:0; }\n.sh-hyp-glo__item details { padding:0; }\n.sh-hyp-glo__item summary { list-style:none; cursor:pointer; padding:22px 28px; font-size:16px; font-weight:600; color:var(--text); display:flex; justify-content:space-between; align-items:center; gap:16px; }\n.sh-hyp-glo__item summary::-webkit-details-marker { display:none; }\n.sh-hyp-glo__item summary::after { content:'+'; font-size:24px; font-weight:300; color:var(--r); line-height:1; transition:transform .2s; }\n.sh-hyp-glo__item details[open] summary::after { content:'\u2212'; }\n.sh-hyp-glo__item details[open] summary { color:var(--r); }\n.sh-hyp-glo__item .a { padding:0 28px 24px; font-size:15px; line-height:1.65; color:var(--body); margin:0; }\n.sh-hyp-glo__item .a strong { color:var(--text); }\n<\/style><section class=\"sh-hyp-glo\"><div class=\"sh-hyp-glo__inner\"><div class=\"sh-hyp-glo__head\"><span class=\"ey\">Glossary<\/span><h2>Mortgage terms&nbsp;explained<\/h2><div class=\"sh-hyp-glo__rule\"><\/div><p>The key terms explained in two sentences \u2014 so you know what the bank means.<\/p><\/div><div class=\"sh-hyp-glo__list\"><div class=\"sh-hyp-glo__item\"><details><summary>Affordability<\/summary><p class=\"a\"><strong>Affordability<\/strong> is the share of your housing costs in your gross income. Swiss banks calculate with a notional rate of 5% (instead of the current ~1.5%) + 1% ancillary costs + 1% amortisation. This value may not exceed <strong>33%<\/strong> of your gross annual income.<\/p><\/details><\/div><div class=\"sh-hyp-glo__item\"><details><summary>Loan-to-value ratio<\/summary><p class=\"a\">The <strong>loan-to-value ratio<\/strong> is the ratio of mortgage to purchase price. The usual maximum is <strong>80%<\/strong> \u2014 the rest (at least 20%) is contributed as equity. Beyond that, a second mortgage is required, which must be amortised within 15 years or by retirement.<\/p><\/details><\/div><div class=\"sh-hyp-glo__item\"><details><summary>Equity \u2014 hard vs. soft<\/summary><p class=\"a\">At least <strong>10% of the purchase price<\/strong> must come from \"hard\" equity: savings account, securities, gift, advance inheritance. A further 10% may come from the pension fund (advance withdrawal or pledging) \u2014 these count as \"soft\" funds.<\/p><\/details><\/div><div class=\"sh-hyp-glo__item\"><details><summary>Amortisation (1st and 2nd mortgage)<\/summary><p class=\"a\">The <strong>1st mortgage<\/strong> (up to 65% loan-to-value) does not necessarily have to be amortised. The <strong>2nd mortgage<\/strong> (65\u201380%) must be repaid within 15 years at most or by retirement \u2014 directly (repayment) or indirectly (via pillar 3a).<\/p><\/details><\/div><div class=\"sh-hyp-glo__item\"><details><summary>Notional interest rate<\/summary><p class=\"a\">Banks calculate your affordability not with the current rate, but with a <strong>notional interest rate of 5%<\/strong>. This tests whether you would remain solvent even if rates rose sharply. Conservative \u2014 but the Swiss standard.<\/p><\/details><\/div><div class=\"sh-hyp-glo__item\"><details><summary>Ancillary costs<\/summary><p class=\"a\">Banks apply a flat <strong>1% of the property value per year<\/strong> for maintenance, insurance and repairs. In reality, depending on age and condition, the value lies between 0.7% and 1.5% \u2014 the bank calculates conservatively to be safe.<\/p><\/details><\/div><\/div><\/div><\/section>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e9728ee elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e9728ee\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f51ed99\" data-id=\"f51ed99\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9ca0d65 elementor-widget elementor-widget-html\" data-id=\"9ca0d65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>.sh-hyp-cta { width:100vw!important; margin-left:calc(50% - 50vw)!important; margin-right:calc(50% - 50vw)!important; max-width:100vw!important;\n  background:#FFFFFF; padding:96px 24px;\n  --r:#B73C2B; --rd:#8C2D20; --warm:#F9F6F1; --text:#1E1E1E; --body:#4A4A4A; --muted:#787878;\n  font-family:inherit; color:var(--body); }\n.sh-hyp-cta__inner { max-width:1180px; margin:0 auto;\n  display:grid; grid-template-columns:1fr 1fr; gap:0;\n  background:#fff; border-radius:14px; overflow:hidden;\n  box-shadow:0 18px 40px rgba(20,20,20,.08); }\n.sh-hyp-cta__media { background-image:url('https:\/\/suisse-homes.ch\/wp-content\/uploads\/2026\/05\/sh-hero-beratung-mj-01.jpg');\n  background-size:cover; background-position:center; min-height:540px; order:2; }\n.sh-hyp-cta__body { padding:52px 56px; display:flex; flex-direction:column; justify-content:center; text-align:left !important; align-items:flex-start; order:1; }\n.sh-hyp-cta__body, .sh-hyp-cta__head, .sh-hyp-cta__body h3, .sh-hyp-cta__body p, .sh-hyp-cta__head .ey { text-align:left !important; }\n.sh-hyp-cta__head { margin-bottom:24px; }\n.sh-hyp-cta__head .ey { font-size:12px; text-transform:uppercase; letter-spacing:.18em; color:var(--r); font-weight:700; display:block; margin-bottom:12px; }\n.sh-hyp-cta__body h3 { font-size:clamp(22px,2.4vw,30px) !important; font-weight:400 !important; letter-spacing:-.01em !important; line-height:1.22 !important; color:var(--text) !important; margin:0 0 16px !important; }\n.sh-hyp-cta__rule { width:40px; height:3px; background:var(--r); margin:0 0 18px; align-self:flex-start; margin-left:0 !important; margin-right:auto !important; }\n.sh-hyp-cta__body p { font-size:16px; line-height:1.6; color:var(--body); margin:0; }\n.sh-hyp-form { display:flex; flex-direction:column; gap:14px; margin-top:10px; }\n.sh-hyp-form__row { display:grid; grid-template-columns:1fr 1fr; gap:14px; }\n.sh-hyp-form input, .sh-hyp-form textarea { background:var(--warm); border:1px solid rgba(0,0,0,.10); border-radius:6px;\n  padding:14px 16px; font-size:16px; font-family:inherit; color:var(--text); outline:none;\n  transition:border-color .2s, background .2s; width:100%; box-sizing:border-box; }\n.sh-hyp-form input:focus, .sh-hyp-form textarea:focus { border-color:var(--r); background:#fff; }\n.sh-hyp-form textarea { resize:vertical; min-height:100px; }\n.sh-hyp-form__btn { display:inline-flex; align-items:center; gap:8px; align-self:flex-start;\n  background:var(--r); color:#fff !important; border:1.5px solid var(--r);\n  padding:14px 28px; border-radius:7px; font-size:13px; font-weight:600;\n  text-transform:uppercase; letter-spacing:.08em; cursor:pointer;\n  transition:all .25s ease; margin-top:8px; }\n.sh-hyp-form__btn:hover { background:var(--rd); border-color:var(--rd); }\n@media (max-width:920px) {\n  .sh-hyp-cta__inner { grid-template-columns:1fr; }\n  .sh-hyp-cta__media { min-height:280px; }\n  .sh-hyp-cta__body { padding:40px 32px; }\n  .sh-hyp-form__row { grid-template-columns:1fr; }\n}\n<\/style><section class=\"sh-hyp-cta\"><div class=\"sh-hyp-cta__inner\"><div class=\"sh-hyp-cta__body\"><div class=\"sh-hyp-cta__head\"><span class=\"ey\">Real advice<\/span><h3>The calculator shows what is&nbsp;possible. We show what makes&nbsp;sense.<\/h3><div class=\"sh-hyp-cta__rule\"><\/div><p>An indicative calculation does not replace a meeting with the bank. We discuss your situation, examine alternatives and connect you with suitable financing partners.<\/p><\/div><form class=\"sh-hyp-form\" data-sh-mailform-hyp><div class=\"sh-hyp-form__row\"><input type=\"text\" name=\"vorname\" placeholder=\"First name\" required><input type=\"text\" name=\"nachname\" placeholder=\"Last name\" required><\/div><div class=\"sh-hyp-form__row\"><input type=\"email\" name=\"email\" placeholder=\"Email\" required><input type=\"tel\" name=\"tel\" placeholder=\"Phone (optional)\"><\/div><textarea name=\"message\" placeholder=\"Briefly describe your situation (property, equity, timeframe \u2026)\" rows=\"4\"><\/textarea><button type=\"submit\" class=\"sh-hyp-form__btn\">Request advice \u2192<\/button><\/form><\/div><div class=\"sh-hyp-cta__media\"><\/div><\/div><\/section><script>(function(){\n  document.querySelectorAll('[data-sh-mailform-hyp]').forEach(function(f){\n    f.addEventListener('submit', function(e){\n      e.preventDefault();\n      var data = new FormData(f);\n      var vn = data.get('vorname')||''; var nn = data.get('nachname')||'';\n      var em = data.get('email')||''; var tel = data.get('tel')||'';\n      var msg = data.get('message')||'';\n      var subject = 'Mortgage consultation \u2013 ' + vn + ' ' + nn;\n      var body = 'Name: ' + vn + ' ' + nn + '\\n' +\n                 'E-Mail: ' + em + '\\nPhone: ' + tel + '\\n\\n' +\n                 'Situation:\\n' + msg;\n      window.location.href = 'mailto:info@suisse-homes.ch?subject=' + encodeURIComponent(subject) + '&body=' + encodeURIComponent(body);\n    });\n  });\n})();\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-240bc00 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"240bc00\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e5431e3\" data-id=\"e5431e3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dfc39df elementor-widget elementor-widget-html\" data-id=\"dfc39df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/font-awesome\/6.5.1\/css\/all.min.css\" crossorigin=\"anonymous\">\n\n<style>\n\/* \u2500\u2500 Tokens \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.sh2 {\n  --red:    #B73C2B;\n  --red-d:  #8C2D20;\n  --warm:   #F9F6F1;\n  --cream:  #EDE4D7;\n  --dark:   #1E1E1E;\n  --body:   #4A4A4A;\n  --muted:  #787878;\n  font-family: inherit;\n  color: var(--body);\n  background: var(--warm);\n}\n\n\/* \u2500\u2500 Typo reset \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.sh2 h1,.sh2 h2,.sh2 h3,.sh2 h4,.sh2 h5,.sh2 h6 {\n  color: var(--dark) !important;\n  margin-top: 0 !important;\n  font-family: inherit !important;\n}\n.sh2-cta h2 { color: #fff !important; }\n\n\/* \u2500\u2500 Shared label\/eyebrow \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.sh2 .ey {\n  display: block;\n  font-size: 13px;\n  letter-spacing: .2em;\n  text-transform: uppercase;\n  color: var(--red);\n  font-weight: 700;\n  margin-bottom: 14px;\n}\n.sh2-lbl {\n  text-align: center;\n  margin-bottom: 52px;\n}\n.sh2-lbl h2 {\n  font-size: clamp(26px, 3vw, 40px) !important;\n  font-weight: 300 !important;\n  line-height: 1.2 !important;\n  letter-spacing: -.015em !important;\n  margin: 0 !important;\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\n   1. INTRO\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 *\/\n.sh2-intro {width:100vw!important;margin-left:calc(50% - 50vw)!important;margin-right:calc(50% - 50vw)!important;max-width:100vw!important;background: var(--warm);\n  padding: 96px 24px 80px;\n  text-align: center;\n}\n.sh2-intro h1 {\n  font-size: clamp(32px, 4.5vw, 56px) !important;\n  font-weight: 300 !important;\n  line-height: 1.12 !important;\n  letter-spacing: -.025em !important;\n  margin: 0 auto 20px !important;\n  max-width: 820px;\n}\n.sh2-intro h1 em {\n  font-style: normal;\n  color: var(--red);\n}\n.sh2-intro .lead {\n  font-size: 19px;\n  line-height: 1.7;\n  color: var(--body);\n  max-width: 560px;\n  margin: 0 auto 44px;\n}\n.sh2-intro .pills {\n  display: flex;\n  justify-content: center;\n  gap: 32px;\n  flex-wrap: wrap;\n}\n.sh2-intro .pills span {\n  font-size: 15px;\n  color: var(--muted);\n  display: flex;\n  align-items: center;\n  gap: 8px;\n  letter-spacing: .03em;\n}\n.sh2-intro .pills span i {\n  color: var(--red);\n  font-size: 12px;\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\n   2. STATS 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 *\/\n.sh2-stats {width:100vw!important;margin-left:calc(50% - 50vw)!important;margin-right:calc(50% - 50vw)!important;max-width:100vw!important;background: var(--dark);\n  padding: 48px 24px;\n}\n.sh2-stats__inner {\n  max-width: 1100px;\n  margin: 0 auto;\n  display: grid;\n  grid-template-columns: repeat(4, 1fr);\n  gap: 1px;\n  background: rgba(255,255,255,.08);\n  border-radius: 6px;\n  overflow: hidden;\n}\n.sh2-stat {width:100vw!important;margin-left:calc(50% - 50vw)!important;margin-right:calc(50% - 50vw)!important;max-width:100vw!important;background: var(--dark);\n  padding: 32px 24px;\n  text-align: center;\n}\n.sh2-stat__n {\n  font-size: 48px;\n  font-weight: 700;\n  color: #fff !important;\n  line-height: 1;\n  letter-spacing: -.02em;\n  margin-bottom: 6px;\n}\n.sh2-stat__n span { color: var(--red); }\n.sh2-stat__label {\n  font-size: 13px;\n  color: rgba(255,255,255,.5);\n  text-transform: uppercase;\n  letter-spacing: .12em;\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\n   3. STORY CAROUSEL\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 *\/\n.sh2-story {width:100vw!important;margin-left:calc(50% - 50vw)!important;margin-right:calc(50% - 50vw)!important;max-width:100vw!important;background: var(--warm);\n  padding: 88px 0 0;\n}\n.sh2-story__head {\n  max-width: 1280px;\n  margin: 0 auto;\n  padding: 0 24px 48px;\n}\n.sh2-story__head h2 {\n  font-size: clamp(26px, 3vw, 40px) !important;\n  font-weight: 300 !important;\n  line-height: 1.2 !important;\n  letter-spacing: -.015em !important;\n  margin: 0 !important;\n}\n.sh2-story__viewport {\n  max-width: 1280px;\n  margin: 0 auto;\n  padding: 0 24px;\n}\n.sh2-story__slide {\n  display: none;\n  grid-template-columns: 1fr 1fr;\n  gap: 72px;\n  align-items: center;\n  min-height: 460px;\n}\n.sh2-story__slide.active { display: grid; }\n.sh2-story__left {\n  display: flex;\n  flex-direction: column;\n  justify-content: center;\n}\n.sh2-story__num {\n  font-size: 88px;\n  font-weight: 800;\n  color: var(--red);\n  opacity: .07;\n  line-height: 1;\n  margin-bottom: 16px;\n  display: block;\n  letter-spacing: -.04em;\n}\n.sh2-story__left h3 {\n  font-size: clamp(22px, 2.5vw, 34px) !important;\n  font-weight: 300 !important;\n  color: var(--dark) !important;\n  margin: 0 0 20px !important;\n  line-height: 1.2 !important;\n  letter-spacing: -.01em !important;\n}\n.sh2-story__left p {\n  font-size: 17px;\n  line-height: 1.75;\n  color: var(--body);\n  margin: 0;\n  max-width: 460px;\n}\n.sh2-story__right {\n  background-size: cover;\n  background-position: center;\n  min-height: 420px;\n  border-radius: 4px;\n}\n.sh2-story__foot {\n  max-width: 1280px;\n  margin: 40px auto 0;\n  padding: 28px 24px 56px;\n  display: flex;\n  align-items: center;\n  justify-content: space-between;\n  border-top: 1px solid rgba(30,30,30,.08);\n}\n.sh2-story__counter {\n  font-size: 26px;\n  font-weight: 700;\n  color: var(--dark);\n  letter-spacing: -.01em;\n}\n.sh2-story__sep,\n.sh2-story__total { color: var(--muted); font-weight: 300; }\n.sh2-story__nav {\n  display: flex;\n  align-items: center;\n  gap: 20px;\n}\n.sh2-story__btn {\n  background: none;\n  border: none;\n  cursor: pointer;\n  font-size: 20px;\n  color: var(--dark);\n  padding: 4px 8px;\n  transition: color .2s;\n  line-height: 1;\n}\n.sh2-story__btn:hover { color: var(--red); }\n.sh2-story__divider { color: rgba(30,30,30,.18); font-size: 18px; }\n@media (max-width: 860px) {\n  .sh2-story__slide.active { grid-template-columns: 1fr; gap: 32px; }\n  .sh2-story__right { min-height: 260px; }\n  .sh2-story__num { font-size: 60px; }\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\n   4. IMAGE CAROUSEL\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 *\/\n.sh2-carousel {\n  background: var(--dark);\n  overflow: hidden;\n  position: relative;\n}\n.sh2-carousel__track {\n  display: flex;\n  transition: transform .6s cubic-bezier(.4,0,.2,1);\n}\n.sh2-carousel__slide {\n  min-width: 100%;\n  position: relative;\n  height: 520px;\n  background-size: cover;\n  background-position: center;\n  flex-shrink: 0;\n}\n.sh2-carousel__slide::after {\n  content: \"\";\n  position: absolute;\n  inset: 0;\n  background: linear-gradient(to top, rgba(20,20,20,.75) 0%, rgba(20,20,20,.1) 60%);\n}\n.sh2-carousel__caption {\n  position: absolute;\n  bottom: 48px;\n  left: 64px;\n  right: 64px;\n  z-index: 2;\n}\n.sh2-carousel__caption .tag {\n  display: inline-block;\n  font-size: 13px;\n  letter-spacing: .18em;\n  text-transform: uppercase;\n  color: rgba(255,255,255,.65);\n  margin-bottom: 10px;\n}\n.sh2-carousel__caption h3 {\n  font-size: clamp(22px, 3vw, 36px) !important;\n  font-weight: 300 !important;\n  color: #fff !important;\n  line-height: 1.2 !important;\n  margin: 0 !important;\n  max-width: 640px;\n  letter-spacing: -.01em !important;\n}\n.sh2-carousel__nav {\n  position: absolute;\n  bottom: 24px;\n  right: 64px;\n  display: flex;\n  gap: 8px;\n  z-index: 3;\n}\n.sh2-carousel__dot {\n  width: 8px;\n  height: 8px;\n  border-radius: 50%;\n  background: rgba(255,255,255,.35);\n  border: none;\n  cursor: pointer;\n  padding: 0;\n  transition: background .25s;\n}\n.sh2-carousel__dot.active { background: #fff; }\n.sh2-carousel__arrow {\n  position: absolute;\n  top: 50%;\n  transform: translateY(-50%);\n  background: rgba(255,255,255,.12);\n  border: 1px solid rgba(255,255,255,.2);\n  color: #fff;\n  width: 48px;\n  height: 48px;\n  border-radius: 50%;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  cursor: pointer;\n  z-index: 3;\n  transition: background .2s;\n  font-size: 16px;\n}\n.sh2-carousel__arrow:hover { background: rgba(255,255,255,.25); }\n.sh2-carousel__arrow--prev { left: 24px; }\n.sh2-carousel__arrow--next { right: 24px; }\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\n   5. ZIGZAG PAIRS\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 *\/\n.sh2-showcase {width:100vw!important;margin-left:calc(50% - 50vw)!important;margin-right:calc(50% - 50vw)!important;max-width:100vw!important;padding: 88px 24px;\n  background: var(--warm);\n}\n.sh2-pairs {\n  max-width: 1280px;\n  margin: 0 auto;\n  display: flex;\n  flex-direction: column;\n  gap: 3px;\n}\n.sh2-pair {\n  display: grid;\n  grid-template-columns: 1fr 1fr;\n  border-radius: 8px;\n  overflow: hidden;\n}\n.sh2-pair__img {\n  aspect-ratio: 4\/3;\n  background-size: cover;\n  background-position: center;\n  min-height: 360px;\n}\n.sh2-pair__body {\n  background: var(--cream);\n  padding: 60px 52px;\n  display: flex;\n  flex-direction: column;\n  justify-content: center;\n}\n.sh2-pair__body .tag {\n  font-size: 13px;\n  letter-spacing: .18em;\n  text-transform: uppercase;\n  color: var(--red);\n  font-weight: 700;\n  margin-bottom: 10px;\n  display: block;\n}\n.sh2-pair__body h3 {\n  font-size: clamp(20px, 2.2vw, 30px) !important;\n  font-weight: 300 !important;\n  line-height: 1.2 !important;\n  color: var(--dark) !important;\n  margin: 0 0 16px !important;\n  letter-spacing: -.01em !important;\n}\n.sh2-pair__body p {\n  font-size: 17px;\n  line-height: 1.7;\n  color: var(--body);\n  margin: 0 0 20px;\n}\n.sh2-pair__body ul {\n  list-style: none;\n  padding: 0;\n  margin: 0 0 24px;\n}\n.sh2-pair__body ul li {\n  font-size: 15px;\n  line-height: 1.65;\n  color: var(--muted);\n  padding-left: 16px;\n  position: relative;\n  margin-bottom: 7px;\n}\n.sh2-pair__body ul li::before {\n  content: \"\";\n  position: absolute;\n  left: 0;\n  top: 10px;\n  width: 7px;\n  height: 1px;\n  background: var(--red);\n}\n.sh2-pair__link {\n  display: inline-flex;\n  align-items: center;\n  gap: 6px;\n  font-size: 15px;\n  color: var(--red);\n  font-weight: 500;\n  text-decoration: none;\n  letter-spacing: .02em;\n  transition: gap .2s;\n}\n.sh2-pair__link:hover { gap: 10px; }\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\n   6. BENEFITS\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 *\/\n.sh2-benefits {width:100vw!important;margin-left:calc(50% - 50vw)!important;margin-right:calc(50% - 50vw)!important;max-width:100vw!important;background: var(--cream);\n  padding: 88px 24px;\n}\n.sh2-grid {\n  display: grid;\n  grid-template-columns: repeat(3, 1fr);\n  gap: 1px;\n  max-width: 1280px;\n  margin: 0 auto;\n  background: rgba(183,60,43,.08);\n  border-radius: 8px;\n  overflow: hidden;\n}\n.sh2-benefit {width:100vw!important;margin-left:calc(50% - 50vw)!important;margin-right:calc(50% - 50vw)!important;max-width:100vw!important;background: #fff;\n  padding: 40px 36px;\n}\n.sh2-benefit__icon {\n  color: var(--red);\n  font-size: 22px;\n  margin-bottom: 16px;\n  display: block;\n}\n.sh2-benefit h4 {\n  font-size: 18px !important;\n  font-weight: 600 !important;\n  color: var(--dark) !important;\n  margin: 0 0 10px !important;\n  line-height: 1.3 !important;\n}\n.sh2-benefit p {\n  font-size: 16px;\n  line-height: 1.7;\n  color: var(--body);\n  margin: 0;\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\n   7. TESTIMONIALS\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 *\/\n.sh2-testimonials {width:100vw!important;margin-left:calc(50% - 50vw)!important;margin-right:calc(50% - 50vw)!important;max-width:100vw!important;background: var(--warm);\n  padding: 88px 24px;\n  overflow: hidden;\n}\n.sh2-testi-track-wrap {\n  max-width: 860px;\n  margin: 0 auto;\n  overflow: hidden;\n}\n.sh2-testi-track {\n  display: flex;\n  transition: transform .5s ease;\n}\n.sh2-testi {\n  min-width: 100%;\n  text-align: center;\n  padding: 0 24px;\n}\n.sh2-testi__quote {\n  font-size: clamp(17px, 2.2vw, 22px);\n  line-height: 1.6;\n  color: var(--dark);\n  font-weight: 300;\n  font-style: italic;\n  margin: 0 0 28px;\n  position: relative;\n}\n.sh2-testi__quote::before {\n  content: \"\\201C\";\n  font-size: 80px;\n  color: var(--red);\n  opacity: .15;\n  line-height: 1;\n  position: absolute;\n  top: -20px;\n  left: 50%;\n  transform: translateX(-50%);\n  font-style: normal;\n}\n.sh2-testi__author {\n  font-size: 14px;\n  font-weight: 600;\n  color: var(--dark);\n  letter-spacing: .05em;\n  text-transform: uppercase;\n}\n.sh2-testi__role {\n  font-size: 13px;\n  color: var(--muted);\n  margin-top: 4px;\n}\n.sh2-testi-dots {\n  display: flex;\n  justify-content: center;\n  gap: 8px;\n  margin-top: 36px;\n}\n.sh2-testi-dot {\n  width: 6px;\n  height: 6px;\n  border-radius: 50%;\n  background: var(--cream);\n  border: 1px solid rgba(183,60,43,.2);\n  cursor: pointer;\n  transition: background .2s;\n}\n.sh2-testi-dot.active { background: var(--red); border-color: var(--red); }\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\n   8. CONTACT FORM \u2013 Premium 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 *\/\n.sh2-contact {width:100vw!important;margin-left:calc(50% - 50vw)!important;margin-right:calc(50% - 50vw)!important;max-width:100vw!important;background: #fff;\n  padding: 88px 24px;\n}\n.sh2-contact__wrap {\n  max-width: 560px;\n  margin: 0 auto;\n}\n.sh2-contact__head {\n  margin-bottom: 40px;\n}\n.sh2-contact__head::before {\n  content: \"\";\n  display: block;\n  width: 32px;\n  height: 2px;\n  background: var(--red);\n  margin-bottom: 16px;\n}\n.sh2-contact__head h2 {\n  font-size: clamp(22px, 2.8vw, 34px) !important;\n  font-weight: 800 !important;\n  letter-spacing: .01em !important;\n  text-transform: uppercase !important;\n  color: var(--dark) !important;\n  margin: 0 0 8px !important;\n}\n.sh2-contact__tagline {\n  font-size: 14px;\n  color: var(--red);\n  margin: 0;\n  letter-spacing: .03em;\n}\n.sh2-cform {\n  display: flex;\n  flex-direction: column;\n  gap: 0;\n}\n.sh2-cform-row {\n  display: grid;\n  grid-template-columns: 1fr 1fr;\n  gap: 24px;\n}\n.sh2-cform-field {\n  display: flex;\n  flex-direction: column;\n  margin-bottom: 24px;\n}\n.sh2-cform-field label {\n  font-size: 11px;\n  font-weight: 700;\n  letter-spacing: .12em;\n  text-transform: uppercase;\n  color: var(--muted);\n  margin-bottom: 6px;\n}\n.sh2-cform-field input,\n.sh2-cform-field textarea {\n  border: none;\n  border-bottom: 1.5px solid rgba(30,30,30,.18);\n  border-radius: 0;\n  background: transparent;\n  padding: 8px 0;\n  font-size: 16px;\n  font-family: inherit;\n  color: var(--dark);\n  outline: none;\n  transition: border-color .2s;\n  width: 100%;\n  box-sizing: border-box;\n}\n.sh2-cform-field input:focus,\n.sh2-cform-field textarea:focus {\n  border-bottom-color: var(--red);\n}\n.sh2-cform-field textarea { resize: vertical; height: 80px; }\n.sh2-cform-foot {\n  display: flex;\n  align-items: center;\n  justify-content: space-between;\n  gap: 16px;\n  margin-top: 8px;\n}\n.sh2-cform-note {\n  font-size: 12px;\n  color: var(--muted);\n  margin: 0;\n  line-height: 1.5;\n}\n.sh2-cform-submit {width:100vw!important;margin-left:calc(50% - 50vw)!important;margin-right:calc(50% - 50vw)!important;max-width:100vw!important;background: var(--dark);\n  color: #fff !important;\n  border: none;\n  padding: 13px 28px;\n  font-size: 12px;\n  font-weight: 700;\n  letter-spacing: .1em;\n  text-transform: uppercase;\n  border-radius: 2px;\n  cursor: pointer;\n  display: inline-flex;\n  align-items: center;\n  gap: 10px;\n  transition: background .2s;\n  white-space: nowrap;\n}\n.sh2-cform-submit:hover { background: var(--red); }\n.sh2-cform-submit i { color: var(--red); font-size: 11px; transition: color .2s; }\n.sh2-cform-submit:hover i { color: rgba(255,255,255,.7); }\n@media (max-width: 480px) {\n  .sh2-cform-row { grid-template-columns: 1fr; gap: 0; }\n  .sh2-cform-foot { flex-direction: column; align-items: flex-start; }\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\n   9. 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 *\/\n.sh2-cta {width:100vw!important;margin-left:calc(50% - 50vw)!important;margin-right:calc(50% - 50vw)!important;max-width:100vw!important;background: var(--red);\n  padding: 96px 24px;\n  text-align: center;\n}\n.sh2-cta h2 {\n  font-size: clamp(26px, 3vw, 44px) !important;\n  font-weight: 300 !important;\n  color: #fff !important;\n  margin: 0 auto 16px !important;\n  max-width: 640px;\n  line-height: 1.2 !important;\n  letter-spacing: -.02em !important;\n}\n.sh2-cta p {\n  font-size: 18px;\n  color: rgba(255,255,255,.7);\n  margin: 0 auto 36px;\n  max-width: 460px;\n  line-height: 1.65;\n}\n.sh2-btn {width:100vw!important;margin-left:calc(50% - 50vw)!important;margin-right:calc(50% - 50vw)!important;max-width:100vw!important;display: inline-block;\n  padding: 15px 40px;\n  background: #fff;\n  color: var(--red) !important;\n  font-size: 14px;\n  font-weight: 700;\n  letter-spacing: .1em;\n  text-transform: uppercase;\n  text-decoration: none !important;\n  border-radius: 3px;\n  transition: opacity .2s;\n}\n.sh2-btn:hover { opacity: .88; }\n\n\/* \u2500\u2500 Responsive \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n@media (max-width: 1024px) {\n  .sh2-stats__inner { grid-template-columns: repeat(2,1fr); }\n  .sh2-form-inner   { grid-template-columns: 1fr; gap: 40px; }\n}\n@media (max-width: 960px) {\n  .sh2-steps { grid-template-columns: repeat(2,1fr); }\n  .sh2-grid  { grid-template-columns: 1fr 1fr; }\n}\n@media (max-width: 720px) {\n  .sh2-pair             { grid-template-columns: 1fr; }\n  .sh2-pair__img        { min-height: 260px; aspect-ratio: 16\/9; }\n  .sh2-pair__body       { padding: 44px 28px; }\n  .sh2-carousel__slide  { height: 380px; }\n  .sh2-carousel__caption{ left: 28px; right: 28px; bottom: 36px; }\n}\n@media (max-width: 540px) {\n  .sh2-steps { grid-template-columns: 1fr; }\n  .sh2-grid  { grid-template-columns: 1fr; }\n  .sh2-stats__inner { grid-template-columns: repeat(2,1fr); }\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\n   10. FOOTER-EDGE 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 *\/\n.sh2-footer-cta {width:100vw!important;margin-left:calc(50% - 50vw)!important;margin-right:calc(50% - 50vw)!important;max-width:100vw!important;background: var(--red);\n  padding: 32px 24px;\n}\n.sh2-footer-cta__inner {\n  max-width: 1100px;\n  margin: 0 auto;\n  display: flex;\n  align-items: center;\n  justify-content: space-between;\n  gap: 24px;\n  flex-wrap: wrap;\n}\n.sh2-footer-cta__text {\n  color: #fff;\n  font-size: 18px;\n  font-weight: 300;\n  margin: 0;\n  line-height: 1.4;\n}\n.sh2-footer-cta__btn {\n  display: inline-flex;\n  align-items: center;\n  gap: 10px;\n  border: 2px solid rgba(255,255,255,.6);\n  color: #fff !important;\n  padding: 12px 26px;\n  font-size: 12px;\n  font-weight: 700;\n  letter-spacing: .1em;\n  text-transform: uppercase;\n  text-decoration: none !important;\n  border-radius: 2px;\n  white-space: nowrap;\n  transition: all .25s;\n}\n.sh2-footer-cta__btn:hover {\n  background: #fff;\n  color: var(--red) !important;\n  border-color: #fff;\n}\n\n<\/style>\n\n<style>\n\/* sh2-values: white bg, red top border cards *\/\n.sh2-values {width:100vw!important;margin-left:calc(50% - 50vw)!important;margin-right:calc(50% - 50vw)!important;max-width:100vw!important;background:#fff; padding:88px 24px; }\n.sh2-values__grid { max-width:1100px; margin:0 auto; display:grid; grid-template-columns:repeat(3,1fr); gap:32px; }\n.sh2-value {width:100vw!important;margin-left:calc(50% - 50vw)!important;margin-right:calc(50% - 50vw)!important;max-width:100vw!important;background:#fff; padding:48px 36px 40px; border-top:3px solid var(--red); box-shadow:0 1px 3px rgba(0,0,0,.04); }\n.sh2-value__icon { color:var(--red); font-size:28px; margin-bottom:20px; display:block; }\n.sh2-value h4 { font-size:22px !important; font-weight:300 !important; color:var(--dark) !important; margin:0 0 12px !important; letter-spacing:-.01em !important; }\n.sh2-value p { font-size:16px; line-height:1.7; color:var(--body); margin:0; }\n@media (max-width:860px){ .sh2-values__grid{ grid-template-columns:1fr; } }\n\n\/* sh2-mission: 2-col cream *\/\n.sh2-mission {width:100vw!important;margin-left:calc(50% - 50vw)!important;margin-right:calc(50% - 50vw)!important;max-width:100vw!important;background:var(--cream); padding:96px 24px; }\n.sh2-mission__inner { max-width:1100px; margin:0 auto; display:grid; grid-template-columns:1fr 1fr; gap:80px; align-items:center; }\n.sh2-mission__quote { font-size:clamp(26px,3vw,38px); font-weight:300; font-style:italic; line-height:1.3; color:var(--dark); letter-spacing:-.015em; position:relative; padding-left:24px; }\n.sh2-mission__quote::before { content:\"\"; position:absolute; left:0; top:8px; bottom:8px; width:3px; background:var(--red); }\n.sh2-mission__body p { font-size:17px; line-height:1.75; color:var(--body); margin:0 0 18px; }\n.sh2-mission__body p:last-child { margin-bottom:0; }\n@media (max-width:860px){ .sh2-mission__inner{ grid-template-columns:1fr; gap:48px; } }\n\n\/* sh2-refs grid *\/\n.sh2-refs {width:100vw!important;margin-left:calc(50% - 50vw)!important;margin-right:calc(50% - 50vw)!important;max-width:100vw!important;background:var(--cream); padding:88px 24px; }\n.sh2-refs__inner { max-width:1280px; margin:0 auto; }\n.sh2-refs__head { text-align:center; margin-bottom:52px; }\n.sh2-refs__grid { display:grid; grid-template-columns:repeat(3,1fr); gap:28px; }\n.sh2-ref { background:#fff; border-radius:6px; overflow:hidden; transition:transform .25s, box-shadow .25s; }\n.sh2-ref:hover { transform:translateY(-4px); box-shadow:0 12px 32px rgba(0,0,0,.08); }\n.sh2-ref__img { aspect-ratio:4\/3; background-size:cover; background-position:center; }\n.sh2-ref__body { padding:24px 28px 28px; }\n.sh2-ref__tag { display:inline-block; font-size:11px; font-weight:700; letter-spacing:.15em; text-transform:uppercase; color:var(--red); margin-bottom:8px; }\n.sh2-ref__type { font-size:17px; font-weight:300; color:var(--dark); margin:0 0 12px; line-height:1.3; letter-spacing:-.005em; }\n.sh2-ref__price { font-size:22px; font-weight:700; color:var(--dark); letter-spacing:-.01em; }\n.sh2-ref__note { font-size:13px; color:var(--red); margin-left:8px; font-weight:500; letter-spacing:.02em; }\n@media (max-width:960px){ .sh2-refs__grid{ grid-template-columns:repeat(2,1fr); } }\n@media (max-width:560px){ .sh2-refs__grid{ grid-template-columns:1fr; } }\n<\/style>\n\n<div class=\"sh2\">\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>HYPOTHEKENRECHNER Ihr Budget. Ihr Zuhause. Klar berechnet. Berechnen Sie in wenigen Schritten Ihre Tragbarkeit, den Eigenmittelbedarf und die monatlichen Hypothekarkosten \u2013 fundiert und transparent. Jetzt berechnen \u2192Beratung anfragen Rechner Was Sie sich leisten&nbsp;k\u00f6nnen Geben Sie Kaufpreis, Eigenmittel und Bruttojahreseinkommen ein. Wir pr\u00fcfen Tragbarkeit nach Schweizer Bank-Standard (33 %-Regel, kalkulatorischer Zinssatz 5 %). KaufpreisCHFEigene MittelCHFBrutto-JahreseinkommenCHFBerechnen \u2192Als [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":7587,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"simple-restrict-permission":[],"class_list":["post-7939","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mortgage calculator Switzerland - Calculate affordability<\/title>\n<meta name=\"description\" content=\"Calculate your mortgage online: Affordability, monthly costs and financing options for your real estate purchase.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/suisse-homes.ch\/en\/buy\/mortgage-calculator\/\" \/>\n<meta property=\"og:locale\" content=\"de_CH\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mortgage calculator Switzerland - Calculate affordability\" \/>\n<meta property=\"og:description\" content=\"Calculate your mortgage online: Affordability, monthly costs and financing options for your real estate purchase.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/suisse-homes.ch\/en\/buy\/mortgage-calculator\/\" \/>\n<meta property=\"og:site_name\" content=\"Suisse Homes\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-02T08:45:06+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/suisse-homes.ch\\\/en\\\/buy\\\/mortgage-calculator\\\/\",\"url\":\"https:\\\/\\\/suisse-homes.ch\\\/en\\\/buy\\\/mortgage-calculator\\\/\",\"name\":\"Mortgage calculator Switzerland - Calculate affordability\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/suisse-homes.ch\\\/#website\"},\"datePublished\":\"2026-05-26T16:23:53+00:00\",\"dateModified\":\"2026-06-02T08:45:06+00:00\",\"description\":\"Calculate your mortgage online: Affordability, monthly costs and financing options for your real estate purchase.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/suisse-homes.ch\\\/en\\\/buy\\\/mortgage-calculator\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/suisse-homes.ch\\\/en\\\/buy\\\/mortgage-calculator\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/suisse-homes.ch\\\/en\\\/buy\\\/mortgage-calculator\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/suisse-homes.ch\\\/en\\\/home\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Buy\",\"item\":\"https:\\\/\\\/suisse-homes.ch\\\/en\\\/buy\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Mortgage Calculator\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/suisse-homes.ch\\\/#website\",\"url\":\"https:\\\/\\\/suisse-homes.ch\\\/\",\"name\":\"Suisse Homes\",\"description\":\"Ihr Partner f\u00fcr Immobilienvermittlung, Bewertung &amp; 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