{"id":638,"date":"2026-01-06T15:10:31","date_gmt":"2026-01-06T14:10:31","guid":{"rendered":"https:\/\/padea.bythewaystudio.ch\/developpeurs-investisseurs-immobiliers\/"},"modified":"2026-09-13T17:18:12","modified_gmt":"2026-09-13T15:18:12","slug":"immobilienentwickler-investoren","status":"publish","type":"page","link":"https:\/\/padea.bythewaystudio.ch\/de\/immobilienentwickler-investoren\/","title":{"rendered":"Immobilienentwickler & -investoren"},"content":{"rendered":"

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Immobilienentwickler & -investoren<\/h1>\n

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Immobilienentwickler & -investoren<\/h2>\n

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Immobilienpromotionen binden Kapital \u00fcber Jahre. Das bedeutet eine grosse finanzielle Verantwortung.<\/p>\n

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Wir begleiten Immobilienentwickler und -investoren entlang des gesamten Projektzyklus: von der Machbarkeitspr\u00fcfung \u00fcber die Strukturierung bis zur Finanzierungssuche. Wie viel Eigenkapital soll eingesetzt werden? Wie werden Finanzierung und R\u00fcckzahlung strukturiert? Wir vergleichen Offerten, verhandeln Konditionen und bleiben von Anfang bis Ende Ihre zentrale Ansprechperson.<\/p>\n

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Les questions que nos clientes et clients nous posent<\/h3>\n

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Combien de fonds propres faut-il pour acheter ?<\/h3>\n

R\u00e9sidence principale<\/strong> : Au moins 20 % du prix d’achat ou de la valeur v\u00e9nale d\u00e9termin\u00e9e par l’\u00e9tablissement financier, \u00e0 condition que la charge soit tenable pour le montant hypoth\u00e9caire correspondant (revenu par rapport aux co\u00fbts th\u00e9oriques). Au moins 10 % de la valeur v\u00e9nale doivent provenir de votre \u00e9pargne ou du pilier 3a. Les 10 % restants peuvent provenir du 2e pilier, voire davantage si n\u00e9cessaire.<\/p>\n

R\u00e9sidence secondaire<\/strong> : Au moins 25 % de fonds propres. Le 2e pilier et le pilier 3a ne peuvent pas \u00eatre utilis\u00e9s. La part de fonds propres exig\u00e9e peut \u00eatre plus \u00e9lev\u00e9e selon l’\u00e9tablissement financier.<\/p>\n

Immeuble de rendement<\/strong> : Au moins 25 %, sans recours au 2e pilier ni au pilier 3a. La part de fonds propres exig\u00e9e peut \u00eatre plus \u00e9lev\u00e9e selon l’\u00e9tablissement financier.<\/p>\n

 <\/p>\n

Taux fixe ou Saron : que choisir ?<\/h3>\n

Les deux ont leur place. Un taux fixe donne de la s\u00e9curit\u00e9 : vos co\u00fbts restent stables pendant toute la dur\u00e9e. Un Saron suit le march\u00e9 : historiquement souvent avantageux, mais les co\u00fbts peuvent varier. En r\u00e8gle g\u00e9n\u00e9rale, nous recommandons une combinaison entre un taux fixe \u00e0 moyen ou long terme et un Saron. Vous alliez ainsi stabilit\u00e9 et flexibilit\u00e9. Ce que nous d\u00e9conseillons : r\u00e9partir l\u2019hypoth\u00e8que en plusieurs tranches \u00e0 taux fixe avec des \u00e9ch\u00e9ances diff\u00e9rentes. Cela vous lie durablement \u00e0 votre banque, car un changement d\u2019\u00e9tablissement devient ensuite quasi impossible. La r\u00e9partition qui vous convient, nous l\u2019\u00e9tablissons avec vous.<\/p>\n

 <\/p>\n

Mon hypoth\u00e8que arrive \u00e0 \u00e9ch\u00e9ance. Que faire ?<\/h3>\n

Une \u00e9ch\u00e9ance, c’est plus qu’une question de taux. Votre situation a-t-elle chang\u00e9 ? Vos projets ? Des r\u00e9novations sont-elles pr\u00e9vues ? Une \u00e9ch\u00e9ance est aussi l’occasion de revoir votre financement dans son ensemble. M\u00eame votre pr\u00e9voyance peut alors \u00eatre optimis\u00e9e. Commencez t\u00f4t, id\u00e9alement environ un an avant l’\u00e9ch\u00e9ance, afin d’avoir le temps de comparer. Cette comparaison et la n\u00e9gociation, nous nous en chargeons pour vous, et nous vous accompagnons si un changement s’av\u00e8re judicieux.<\/p>\n

 <\/p>\n

Dois-je amortir mon hypoth\u00e8que, et comment ?<\/h3>\n

Une partie de l\u2019hypoth\u00e8que doit \u00eatre rembours\u00e9e dans un d\u00e9lai donn\u00e9. Pour une r\u00e9sidence principale, il est aujourd\u2019hui courant de le faire de mani\u00e8re indirecte, via le pilier 3a. La question est alors : via une assurance ou via un produit bancaire ? Pour nous, la solution d\u2019assurance fait partie d\u2019un bon conseil : elle seule vous prot\u00e8ge, vous et votre famille, en cas de d\u00e9c\u00e8s ou d\u2019incapacit\u00e9 de gain, ce qu\u2019un compte bancaire n\u2019offre pas.<\/p>\n

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Immobilienentwickler & -investorenImmobilienentwickler & -investorenImmobilienpromotionen binden Kapital \u00fcber Jahre. Das bedeutet eine grosse finanzielle Verantwortung.Wir begleiten Immobilienentwickler und -investoren entlang des gesamten Projektzyklus: von der Machbarkeitspr\u00fcfung \u00fcber die Strukturierung bis zur Finanzierungssuche. Wie viel Eigenkapital soll eingesetzt werden? Wie werden Finanzierung und R\u00fcckzahlung strukturiert? Wir vergleichen Offerten, verhandeln Konditionen und bleiben von Anfang bis Ende […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-638","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/padea.bythewaystudio.ch\/de\/wp-json\/wp\/v2\/pages\/638","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/padea.bythewaystudio.ch\/de\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/padea.bythewaystudio.ch\/de\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/padea.bythewaystudio.ch\/de\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/padea.bythewaystudio.ch\/de\/wp-json\/wp\/v2\/comments?post=638"}],"version-history":[{"count":8,"href":"https:\/\/padea.bythewaystudio.ch\/de\/wp-json\/wp\/v2\/pages\/638\/revisions"}],"predecessor-version":[{"id":1347,"href":"https:\/\/padea.bythewaystudio.ch\/de\/wp-json\/wp\/v2\/pages\/638\/revisions\/1347"}],"wp:attachment":[{"href":"https:\/\/padea.bythewaystudio.ch\/de\/wp-json\/wp\/v2\/media?parent=638"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}