{"id":90202,"date":"2024-10-01T08:07:02","date_gmt":"2024-10-01T08:07:02","guid":{"rendered":"https:\/\/wordpress.zozothemes.com\/finxpert\/home-3-copy\/"},"modified":"2025-10-17T08:32:09","modified_gmt":"2025-10-17T06:32:09","slug":"home-7","status":"publish","type":"page","link":"https:\/\/smart-finance.lu\/fr\/","title":{"rendered":"Des solutions financi\u00e8res sur mesure"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"90202\" class=\"elementor elementor-90202\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a2f055a e-flex e-con-boxed e-con e-parent\" data-id=\"a2f055a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0df3146 e-con-full e-flex e-con e-child\" data-id=\"0df3146\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f71f9bc e-con-full e-flex e-con e-child\" data-id=\"f71f9bc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22fa585 elementor-widget elementor-widget-menu-anchor\" data-id=\"22fa585\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"what\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c19b3a cea-mobile-align-center cea-align-left elementor-widget elementor-widget-ceasectiontitle\" data-id=\"3c19b3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ceasectiontitle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"section-title-wrapper\"><div class=\"title-wrap\"><div class=\"sub-title\"><span class=\"subtitle-dots\">Que proposons-nous ?<\/span><\/div><h2 class=\"section-title\">Nous vous aidons \u00e0 obtenir la propri\u00e9t\u00e9 de vos r\u00eaves en Allemagne<\/h2><\/div><!-- .title-wrap --><div class=\"section-description\"><\/div><!-- .section-description --><\/div><!-- .section-title-wrapper -->\t\t\t\t<\/div>\n\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-69bdc8e e-con-full e-flex e-con e-child\" data-id=\"69bdc8e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-ff8dd66 e-con-full e-flex e-con e-child\" data-id=\"ff8dd66\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a5ec782 elementor-widget__width-initial cus-tab-wrap elementor-widget-mobile__width-inherit elementor-widget elementor-widget-ceatab\" data-id=\"a5ec782\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ceatab.default\">\n\t\t\t\t\r\n\t\t<div class=\"elementor-widget-container cea-tab-elementor-widget\">\r\n\t\t\t<div class=\"nav nav-tabs cea-tabs\"><a class=\"nav-item nav-link active\" href=\"#cea-tab-1-1\"><h5 class=\"cea-tab-title\">Pourquoi Smart Finance ?<\/h5><\/a><a class=\"nav-item nav-link\" href=\"#cea-tab-1-2\"><h5 class=\"cea-tab-title\">Comment cela fonctionne-t-il ?<\/h5><\/a><a class=\"nav-item nav-link\" href=\"#cea-tab-1-3\"><h5 class=\"cea-tab-title\">Notre vision<\/h5><\/a><\/div><div class=\"tab-content cea-tab-content\"><div class=\"cea-tab-pane active\" id=\"cea-tab-1-1\"><span class=\"cea-tab-id-to-element\" data-id=\"section-1\"><\/span><\/div><div class=\"cea-tab-pane\" id=\"cea-tab-1-2\"><span class=\"cea-tab-id-to-element\" data-id=\"section-2\"><\/span><\/div><div class=\"cea-tab-pane\" id=\"cea-tab-1-3\"><span class=\"cea-tab-id-to-element\" data-id=\"section-3\"><\/span><\/div><\/div>\t\t\t\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-deb9566 e-con-full e-flex e-con e-child\" data-id=\"deb9566\" data-element_type=\"container\" data-e-type=\"container\" id=\"section-1\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-85928ce e-con-full e-flex e-con e-child\" data-id=\"85928ce\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-47c6563 e-con-full e-flex e-con e-child\" data-id=\"47c6563\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e10914b e-con-full e-flex e-con e-child\" data-id=\"e10914b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ad0620a elementor-widget elementor-widget-image\" data-id=\"ad0620a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"90\" height=\"90\" src=\"https:\/\/smart-finance.lu\/wp-content\/uploads\/2024\/07\/team-single-icon-1.png\" class=\"attachment-full size-full wp-image-83037\" alt=\"Smart Finance Pourquoi\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3250d61 elementor-widget elementor-widget-text-editor\" data-id=\"3250d61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h5>Nous vous aidons \u00e0 g\u00e9rer tous les aspects de votre pr\u00eat.\u00a0<\/h5>\t\t\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-bbe36db e-con-full e-flex e-con e-child\" data-id=\"bbe36db\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f60be0 cea-view-framed cea-shape-circle elementor-widget elementor-widget-ceafeaturebox\" data-id=\"2f60be0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ceafeaturebox.default\">\n\t\t\t\t<div class=\"elementor-widget-container feature-box-wrapper feature-box-default\">\n\t\t\t<div class=\"media\"><div class=\"media-icon-part align-self-center\"><div class=\"cea-featured-icon\"><i aria-hidden=\"true\" class=\"bi-arrow-up-right\"><\/i><\/div><\/div><div class=\"media-body align-self-center\"><h4 class=\"feature-box-title\">Financement transfrontalier<\/h4><div class=\"fbox-content\">La connaissance approfondie des march\u00e9s financiers allemand et luxembourgeois dont dispose notre \u00e9quipe vous garantit les meilleurs choix de financement.<\/div><\/div><!-- .media-body --><\/div><!-- .media -->\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8495617 cea-view-framed cea-shape-circle elementor-widget elementor-widget-ceafeaturebox\" data-id=\"8495617\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ceafeaturebox.default\">\n\t\t\t\t<div class=\"elementor-widget-container feature-box-wrapper feature-box-default\">\n\t\t\t<div class=\"media\"><div class=\"media-icon-part align-self-center\"><div class=\"cea-featured-icon\"><i aria-hidden=\"true\" class=\"bi-arrow-up-right\"><\/i><\/div><\/div><div class=\"media-body align-self-center\"><h4 class=\"feature-box-title\">Solutions personnalis\u00e9es<\/h4><div class=\"fbox-content\">Nous proposons des options de pr\u00eat adapt\u00e9es \u00e0 vos objectifs et \u00e0 votre budget, que vous achetiez une r\u00e9sidence principale, une r\u00e9sidence secondaire ou un bien d'investissement.<\/div><\/div><!-- .media-body --><\/div><!-- .media -->\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57fd543 cea-view-framed cea-shape-circle elementor-widget elementor-widget-ceafeaturebox\" data-id=\"57fd543\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ceafeaturebox.default\">\n\t\t\t\t<div class=\"elementor-widget-container feature-box-wrapper feature-box-default\">\n\t\t\t<div class=\"media\"><div class=\"media-icon-part align-self-center\"><div class=\"cea-featured-icon\"><i aria-hidden=\"true\" class=\"bi-arrow-up-right\"><\/i><\/div><\/div><div class=\"media-body align-self-center\"><h4 class=\"feature-box-title\">Des taux d'int\u00e9r\u00eat comp\u00e9titifs<\/h4><div class=\"fbox-content\">Pour votre financement immobilier, nous n\u00e9gocions les meilleurs taux d'int\u00e9r\u00eat et conditions de remboursement avec des institutions financi\u00e8res de premier plan.<\/div><\/div><!-- .media-body --><\/div><!-- .media -->\t\t<\/div>\n\t\t\t\t<\/div>\n\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-b73700c e-con-full e-flex e-con e-child\" data-id=\"b73700c\" data-element_type=\"container\" data-e-type=\"container\" id=\"section-2\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-ae49108 e-con-full e-flex e-con e-child\" data-id=\"ae49108\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3053765 e-con-full e-flex e-con e-child\" data-id=\"3053765\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b302465 e-con-full e-flex e-con e-child\" data-id=\"b302465\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d270bf elementor-widget elementor-widget-image\" data-id=\"2d270bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"80\" height=\"80\" src=\"https:\/\/smart-finance.lu\/wp-content\/uploads\/2024\/07\/icon-list3.png\" class=\"attachment-full size-full wp-image-83739\" alt=\"Smart Finance Comment\" srcset=\"https:\/\/smart-finance.lu\/wp-content\/uploads\/2024\/07\/icon-list3.png 80w, https:\/\/smart-finance.lu\/wp-content\/uploads\/2024\/07\/elementor\/thumbs\/icon-list3.png 100w\" sizes=\"(max-width: 80px) 100vw, 80px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b8d6bd elementor-widget elementor-widget-text-editor\" data-id=\"4b8d6bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h5>La simplicit\u00e9 est de mise. Pas de processus compliqu\u00e9s.\u00a0<\/h5>\t\t\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-e1bd6ce e-con-full e-flex e-con e-child\" data-id=\"e1bd6ce\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-48fa958 cea-view-framed cea-shape-circle elementor-widget elementor-widget-ceafeaturebox\" data-id=\"48fa958\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ceafeaturebox.default\">\n\t\t\t\t<div class=\"elementor-widget-container feature-box-wrapper feature-box-default\">\n\t\t\t<div class=\"media\"><div class=\"media-icon-part align-self-center\"><div class=\"cea-featured-icon\"><i aria-hidden=\"true\" class=\"bi-arrow-up-right\"><\/i><\/div><\/div><div class=\"media-body align-self-center\"><h4 class=\"feature-box-title\">Processus simple<\/h4><div class=\"fbox-content\">Il peut \u00eatre tr\u00e8s difficile de s'y retrouver dans la complexit\u00e9 des financements transfrontaliers.  Gr\u00e2ce \u00e0 une orientation claire \u00e0 chaque \u00e9tape, Smart Finance rationalise la proc\u00e9dure.<\/div><\/div><!-- .media-body --><\/div><!-- .media -->\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19b0276 cea-view-framed cea-shape-circle elementor-widget elementor-widget-ceafeaturebox\" data-id=\"19b0276\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ceafeaturebox.default\">\n\t\t\t\t<div class=\"elementor-widget-container feature-box-wrapper feature-box-default\">\n\t\t\t<div class=\"media\"><div class=\"media-icon-part align-self-center\"><div class=\"cea-featured-icon\"><i aria-hidden=\"true\" class=\"bi-arrow-up-right\"><\/i><\/div><\/div><div class=\"media-body align-self-center\"><h4 class=\"feature-box-title\">Consultation<\/h4><div class=\"fbox-content\">Pour discuter de vos besoins de financement et d\u00e9terminer votre \u00e9ligibilit\u00e9, prenez rendez-vous pour une consultation gratuite avec l'un de nos experts.<\/div><\/div><!-- .media-body --><\/div><!-- .media -->\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a4190a cea-view-framed cea-shape-circle elementor-widget elementor-widget-ceafeaturebox\" data-id=\"3a4190a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ceafeaturebox.default\">\n\t\t\t\t<div class=\"elementor-widget-container feature-box-wrapper feature-box-default\">\n\t\t\t<div class=\"media\"><div class=\"media-icon-part align-self-center\"><div class=\"cea-featured-icon\"><i aria-hidden=\"true\" class=\"bi-arrow-up-right\"><\/i><\/div><\/div><div class=\"media-body align-self-center\"><h4 class=\"feature-box-title\">Plan de financement sur mesure<\/h4><div class=\"fbox-content\">Ensemble, nous \u00e9laborons un plan de financement adapt\u00e9 \u00e0 vos objectifs \u00e0 long terme et \u00e0 votre situation financi\u00e8re.<\/div><\/div><!-- .media-body --><\/div><!-- .media -->\t\t<\/div>\n\t\t\t\t<\/div>\n\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-0960aa2 e-con-full e-flex e-con e-child\" data-id=\"0960aa2\" data-element_type=\"container\" data-e-type=\"container\" id=\"section-3\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-daf861c e-con-full e-flex e-con e-child\" data-id=\"daf861c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e7a16a6 e-con-full e-flex e-con e-child\" data-id=\"e7a16a6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d1b5ebd e-con-full e-flex e-con e-child\" data-id=\"d1b5ebd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-743cf28 elementor-widget elementor-widget-image\" data-id=\"743cf28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"90\" height=\"90\" src=\"https:\/\/smart-finance.lu\/wp-content\/uploads\/2024\/07\/service-icon-img.png\" class=\"attachment-full size-full wp-image-82965\" alt=\"Vision de la finance intelligente\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92bdb20 elementor-widget elementor-widget-text-editor\" data-id=\"92bdb20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h5>Notre vision est de fournir des services compr\u00e9hensibles.\u00a0<\/h5>\t\t\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-4dbaa90 e-con-full e-flex e-con e-child\" data-id=\"4dbaa90\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28c4142 cea-view-framed cea-shape-circle elementor-widget elementor-widget-ceafeaturebox\" data-id=\"28c4142\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ceafeaturebox.default\">\n\t\t\t\t<div class=\"elementor-widget-container feature-box-wrapper feature-box-default\">\n\t\t\t<div class=\"media\"><div class=\"media-icon-part align-self-center\"><div class=\"cea-featured-icon\"><i aria-hidden=\"true\" class=\"bi-arrow-up-right\"><\/i><\/div><\/div><div class=\"media-body align-self-center\"><h4 class=\"feature-box-title\">Accessibilit\u00e9<\/h4><div class=\"fbox-content\">En offrant des options de financement transparentes, efficaces et personnalis\u00e9es, nous esp\u00e9rons faire de l'accession \u00e0 la propri\u00e9t\u00e9 en Allemagne un objectif r\u00e9aliste pour les citoyens luxembourgeois.<\/div><\/div><!-- .media-body --><\/div><!-- .media -->\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-164224e cea-view-framed cea-shape-circle elementor-widget elementor-widget-ceafeaturebox\" data-id=\"164224e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ceafeaturebox.default\">\n\t\t\t\t<div class=\"elementor-widget-container feature-box-wrapper feature-box-default\">\n\t\t\t<div class=\"media\"><div class=\"media-icon-part align-self-center\"><div class=\"cea-featured-icon\"><i aria-hidden=\"true\" class=\"bi-arrow-up-right\"><\/i><\/div><\/div><div class=\"media-body align-self-center\"><h4 class=\"feature-box-title\">Transparence<\/h4><div class=\"fbox-content\">Notre strat\u00e9gie est bas\u00e9e sur l'honn\u00eatet\u00e9 et la confiance, garantissant \u00e0 nos clients des conseils financiers clairs et d\u00e9pourvus de tout jargon.<\/div><\/div><!-- .media-body --><\/div><!-- .media -->\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0177fa7 cea-view-framed cea-shape-circle elementor-widget elementor-widget-ceafeaturebox\" data-id=\"0177fa7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ceafeaturebox.default\">\n\t\t\t\t<div class=\"elementor-widget-container feature-box-wrapper feature-box-default\">\n\t\t\t<div class=\"media\"><div class=\"media-icon-part align-self-center\"><div class=\"cea-featured-icon\"><i aria-hidden=\"true\" class=\"bi-arrow-up-right\"><\/i><\/div><\/div><div class=\"media-body align-self-center\"><h4 class=\"feature-box-title\">Succ\u00e8s \u00e0 long terme<\/h4><div class=\"fbox-content\">Au-del\u00e0 du simple financement, nous \u00e9tablissons des liens durables avec nos clients en les aidant \u00e0 faire des choix financiers judicieux pour des investissements immobiliers \u00e0 long terme.<\/div><\/div><!-- .media-body --><\/div><!-- .media -->\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\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-8c70495 e-con-full e-flex e-con e-child\" data-id=\"8c70495\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6140d14 elementor-widget-tablet__width-inherit elementor-widget elementor-widget-image\" data-id=\"6140d14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"940\" height=\"1000\" src=\"https:\/\/smart-finance.lu\/wp-content\/uploads\/2024\/10\/about-home-4.jpg\" class=\"attachment-full size-full wp-image-90359\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/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<div class=\"elementor-element elementor-element-c0dbc51 e-flex e-con-boxed e-con e-parent\" data-id=\"c0dbc51\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-cce1ebd e-con-full e-flex e-con e-child\" data-id=\"cce1ebd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5e2fc8e e-con-full e-flex e-con e-child\" data-id=\"5e2fc8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2331296 cea-mobile-align-center cea-align-left elementor-widget elementor-widget-ceasectiontitle\" data-id=\"2331296\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ceasectiontitle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"section-title-wrapper\"><div class=\"title-wrap\"><div class=\"sub-title\"><span class=\"subtitle-dots\">Nos services<\/span><\/div><h2 class=\"section-title\">Planification et analyse financi\u00e8res globales<\/h2><\/div><!-- .title-wrap --><div class=\"section-description\"><\/div><!-- .section-description --><\/div><!-- .section-title-wrapper -->\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-dcfbb94 e-con-full e-flex e-con e-child\" data-id=\"dcfbb94\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3b46b9b e-con-full e-flex e-con e-child\" data-id=\"3b46b9b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9e1b6d7 e-con-full e-flex e-con e-child\" data-id=\"9e1b6d7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c81e19d elementor-widget-tablet__width-inherit elementor-invisible elementor-widget elementor-widget-image\" data-id=\"c81e19d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/smart-finance.lu\/wp-content\/uploads\/elementor\/thumbs\/main-about-img-r4v9f98ftmoaaobk8dwgjnmw5hmofwoci7r5nj3bdk.jpg\" title=\"main-about-img\" alt=\"main-about-img\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-49ede01 e-con-full e-flex e-con e-child\" data-id=\"49ede01\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d14b62e elementor-widget elementor-widget-text-editor\" data-id=\"d14b62e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Vous habitez au Luxembourg et vous souhaitez investir dans l'immobilier allemand ? Smart Finance est l\u00e0 pour vous permettre d'acc\u00e9der \u00e0 la propri\u00e9t\u00e9 en toute tranquillit\u00e9 et sans stress. Nous sommes sp\u00e9cialis\u00e9s dans la fourniture de solutions de financement sur mesure pour vous aider \u00e0 acheter la maison de vos r\u00eaves ou un bien d'investissement de l'autre c\u00f4t\u00e9 de la fronti\u00e8re.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8398f37 e-con-full e-flex e-con e-child\" data-id=\"8398f37\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2f064ef e-con-full e-flex e-con e-child\" data-id=\"2f064ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a53557 elementor-widget elementor-widget-heading\" data-id=\"9a53557\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/wordpress.zozothemes.com\/finxpert\/our-services\/\" target=\"_blank\" rel=\"noopener\">.01<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-72ae13c e-con-full e-flex e-con e-child\" data-id=\"72ae13c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61d60cb elementor-widget elementor-widget-heading\" data-id=\"61d60cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"#\">Planification financi\u00e8re<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b7ad1d2 e-con-full e-flex e-con e-child\" data-id=\"b7ad1d2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-373fd94 elementor-widget-mobile__width-auto elementor-widget__width-auto cea-view-default elementor-widget elementor-widget-cea-icon\" data-id=\"373fd94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"cea-icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"cea-icon-wrapper\">\n\t\t\t<a class=\"cea-icon\" href=\"https:\/\/smart-finance.lu\/fr\/service\/financial-planning\/\">\n\t\t\t<i aria-hidden=\"true\" class=\"bi-arrow-up-right\"><\/i>\t\t\t<\/a>\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-694f3f6 e-con-full e-flex e-con e-child\" data-id=\"694f3f6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7b63b5f e-con-full e-flex e-con e-child\" data-id=\"7b63b5f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5537868 elementor-widget elementor-widget-heading\" data-id=\"5537868\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/wordpress.zozothemes.com\/finxpert\/our-services\/\" target=\"_blank\" rel=\"noopener\">.02<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3dc3442 e-con-full e-flex e-con e-child\" data-id=\"3dc3442\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7cabcc2 elementor-widget elementor-widget-heading\" data-id=\"7cabcc2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"#\">Conseil<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0705628 e-con-full e-flex e-con e-child\" data-id=\"0705628\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9f9d34 elementor-widget-mobile__width-auto elementor-widget__width-auto cea-view-default elementor-widget elementor-widget-cea-icon\" data-id=\"d9f9d34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"cea-icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"cea-icon-wrapper\">\n\t\t\t<a class=\"cea-icon\" href=\"https:\/\/smart-finance.lu\/fr\/service\/consultancy\/\">\n\t\t\t<i aria-hidden=\"true\" class=\"bi-arrow-up-right\"><\/i>\t\t\t<\/a>\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4142ec6 e-con-full e-flex e-con e-child\" data-id=\"4142ec6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8ab3fac e-con-full e-flex e-con e-child\" data-id=\"8ab3fac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ba9776e elementor-widget elementor-widget-heading\" data-id=\"ba9776e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/wordpress.zozothemes.com\/finxpert\/our-services\/\" target=\"_blank\" rel=\"noopener\">.03<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d8d515d e-con-full e-flex e-con e-child\" data-id=\"d8d515d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8122fdc elementor-widget elementor-widget-heading\" data-id=\"8122fdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"#\">Financement sur mesure<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-669c067 e-con-full e-flex e-con e-child\" data-id=\"669c067\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c9c33a5 elementor-widget-mobile__width-auto elementor-widget__width-auto cea-view-default elementor-widget elementor-widget-cea-icon\" data-id=\"c9c33a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"cea-icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"cea-icon-wrapper\">\n\t\t\t<a class=\"cea-icon\" href=\"https:\/\/smart-finance.lu\/fr\/service\/tailored-financing\/\">\n\t\t\t<i aria-hidden=\"true\" class=\"bi-arrow-up-right\"><\/i>\t\t\t<\/a>\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\t\t<\/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<div class=\"elementor-element elementor-element-f4614e4 e-flex e-con-boxed e-con e-parent\" data-id=\"f4614e4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-918a8f6 e-flex e-con-boxed e-con e-child\" data-id=\"918a8f6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b56b9cd e-flex e-con-boxed e-con e-child\" data-id=\"b56b9cd\" 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-a80698a cea-mobile-align-center cea-align-center elementor-widget elementor-widget-ceasectiontitle\" data-id=\"a80698a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ceasectiontitle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"section-title-wrapper\"><div class=\"title-wrap\"><div class=\"sub-title\"><span class=\"subtitle-dots\">Taux de cr\u00e9dit<\/span><\/div><h2 class=\"section-title\">Calculez vos co\u00fbts mensuels<\/h2><\/div><!-- .title-wrap --><div class=\"section-description\"><\/div><!-- .section-description --><\/div><!-- .section-title-wrapper -->\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1680c8d e-con-full e-flex e-con e-child\" data-id=\"1680c8d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1111648 elementor-widget elementor-widget-shortcode\" data-id=\"1111648\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">    <div class=\"wp-loan-calculator-main\" id=\"wp-loan-calculator-main\">\n        <style type=\"text\/css\">\n            :root {\n                --calc-background-color: #2f4f4f;\n                --calc-select-color: #404245;\n                --calc-bg-light-color: #85a6a6;\n                --calc-border-color: #000000;\n                --calc-graph-color: ;\n                --calc-graph-color-sub: #53597d;\n                --calc-graph-border-color: #2f4f4f;\n                --calc-graph-border-color-sub: #85a6a6;\n                --calc-graph-balance-border-color: ;\n                --calc-graph-balance-point-background-color: ;\n                --calc-graph-extra-payment-graph-color: ;\n                --calc-summary-chart-principal-fill-color: ;\n                --calc-summary-chart-interest-fill-color: ;\n                --calc-summary-chart-balloon-payment-fill-color: ;\n                --calc-summary-chart-down-payment-fill-color: ;\n                --calc-summary-chart-extra-payment-fill-color: ;                \n\n            }\n        <\/style>\n        <div id=\"overlay\" style=\"display: none;\"><\/div>\n        <div id=\"loader\" style=\"display: none;\">\n          <div class=\"spinner\"><\/div>\n      <\/div>\n      <section class=\"heading-section\">\n        <div class=\"menu-sec-cls\">\n            <ul class=\"heading-sec-link\">\n                                            <\/ul>\n        <\/div>\n        <div class=\"about-this-calculator-popup\" style=\"display: none;\">\n            <div class=\"about-this-calculator-popup-body\">\n                <a href=\"javascript:void(0);\" class=\"close-button\" onclick=\"jQuery('.about-this-calculator-popup').hide();jQuery('body').removeClass('body-overflow-hidden');\">\u2715<\/a>\n                                <div class=\"calculator-content\"><h1>Informations sur la calculatrice<\/h1>\r\n<p>La calculatrice de financement d'\u00e9quipement calcule le type de remboursement requis, \u00e0 la fr\u00e9quence demand\u00e9e, en fonction des param\u00e8tres de pr\u00eat saisis, \u00e0 savoir le montant, la dur\u00e9e et le taux d'int\u00e9r\u00eat. Le produit s\u00e9lectionn\u00e9 d\u00e9termine le taux d'int\u00e9r\u00eat par d\u00e9faut pour le produit de pr\u00eat personnel. La calculatrice de financement d'\u00e9quipement calcule \u00e9galement le temps \u00e9conomis\u00e9 pour rembourser le pr\u00eat et le montant des int\u00e9r\u00eats \u00e9conomis\u00e9s sur la base d'une donn\u00e9e suppl\u00e9mentaire fournie par le client. Ceci si les remboursements sont augment\u00e9s du montant saisi de contribution suppl\u00e9mentaire par p\u00e9riode de remboursement. Cette fonction n'est activ\u00e9e que pour les produits qui prennent en charge un remboursement suppl\u00e9mentaire. Les calculs sont effectu\u00e9s \u00e0 la fr\u00e9quence de remboursement saisie, en fonction des param\u00e8tres de pr\u00eat initiaux saisis, \u00e0 savoir le montant, le taux d'int\u00e9r\u00eat annuel et la dur\u00e9e en ann\u00e9es.<\/p>\r\n<h1>Hypoth\u00e8ses du calculateur<\/h1>\r\n<h3>Dur\u00e9e du mois<\/h3>\r\n<p>Tous les mois sont suppos\u00e9s avoir la m\u00eame dur\u00e9e. En r\u00e9alit\u00e9, de nombreux pr\u00eats sont comptabilis\u00e9s quotidiennement, ce qui entra\u00eene un nombre variable de jours d'int\u00e9r\u00eats en fonction du nombre de jours du mois en question.<\/p>\r\n<h3>Nombre de semaines ou de quinzaines dans une ann\u00e9e<\/h3>\r\n<p>Une ann\u00e9e est suppos\u00e9e contenir exactement 52 semaines ou 26 quinzaines. Cela suppose implicitement qu'une ann\u00e9e compte 364 jours au lieu des 365 ou 366 jours r\u00e9els.<\/p>\r\n<h3>Arrondissement du montant de chaque remboursement<\/h3>\r\n<p>Dans la pratique, les remboursements sont arrondis au centime le plus proche. Cependant, la calculatrice utilise le remboursement non arrondi pour calculer le montant des int\u00e9r\u00eats \u00e0 payer \u00e0 certains points du graphique et au total sur toute la dur\u00e9e du pr\u00eat. Cette hypoth\u00e8se permet d'obtenir un graphique lisse et des montants de remboursement \u00e9gaux. Notez que le dernier remboursement apr\u00e8s l'augmentation du montant du remboursement.<\/p>\r\n<h3>Arrondissement du temps gagn\u00e9<\/h3>\r\n<p>Le temps \u00e9conomis\u00e9 est pr\u00e9sent\u00e9 sous la forme d'un nombre d'ann\u00e9es et de mois, de quinzaines ou de semaines, en fonction de la fr\u00e9quence de remboursement choisie. Le calcul de l'\u00e9conomie tient compte de l'\u00e9ventualit\u00e9 d'un dernier remboursement partiel.<\/p>\r\n<h3>Montant des int\u00e9r\u00eats \u00e9conomis\u00e9s<\/h3>\r\n<p>Ce montant ne peut \u00eatre qu'approximativement calcul\u00e9 sur la base du temps gagn\u00e9 et des d\u00e9tails du pr\u00eat initial.<\/p>\r\n<h3>Avis de non-responsabilit\u00e9 du calculateur<\/h3>\r\n<p>Les r\u00e9sultats de ce calculateur ne doivent \u00eatre utilis\u00e9s qu'\u00e0 titre indicatif. Les r\u00e9sultats ne repr\u00e9sentent ni des devis ni des pr\u00e9qualifications pour le produit. Chaque institution applique des formules diff\u00e9rentes. Les informations telles que les taux d'int\u00e9r\u00eat cit\u00e9s et les chiffres par d\u00e9faut utilis\u00e9s dans les hypoth\u00e8ses sont susceptibles de changer.<\/p><\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n    <section id=\"main-sec\" class=\"ctm_main_wrap\">\n        <section class=\"calculator-heading-section calculator-heading-block\">\n            <div class=\"calculator-child-heading\">\n                <h2>\n                    <center><strong>Calculatrice hypoth\u00e9caire<\/strong><\/center>\n                <\/h2>\n            <\/div>\n        <\/section>\n        <section class=\"loan-option-text-info\">\n            <div class=\"custom-container loan-option-text-info-section\">\n                <div class=\"loan-option-text-info-block\">\n                    <div class=\"first-row\">\n                        <div class=\"first-row-sub-child\"  >\n\n                            <label for=\"loan_amt\" class=\"loan-text\">Montant du pr\u00eat<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"1\"><\/i><span class=\"text-tooltip-disp\">Veuillez saisir ici le montant de votre pr\u00eat.<\/span><\/label>\n                            <div class=\"loan-text-dis loan-amount\">\n                                <span class=\"extra-info\">\u20ac<\/span>\n                                <input type=\"text\" name=\"loan_amount\" id=\"loan_amount\" value=\"\" tabindex=\"2\" oninput=\"validateInputLoanRate(this)\" onkeydown=\"return onlyNos(event,'loan_amount')\" \/>\n                            <\/div>\n                            <input type=\"range\" min=\"1000\" max=\"10000000\" value=\"300000\" class=\"slider\" id=\"loan_amount_range\" tabindex=\"3\" >\n                        <\/div>\n                        <div class=\"first-row-sub-child\">\n                            <label for=\"loan_terms\" class=\"loan-text\">Nombre de paiements<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"4\"><\/i><span class=\"text-tooltip-disp\">Veuillez indiquer le nombre d'ann\u00e9es au cours desquelles vous pr\u00e9voyez de rembourser le pr\u00eat.<\/span><\/label>\n                            <div class=\"loan-number-payment-with-label\">\n                                <div class=\"loan-text-dis no-payment\">\n                                    <!-- <span class=\"extra-info\"><\/\/?php echo __('Months', 'loan-calculator-wp'); ?><\/span> -->\n                                                                            <select name=\"repayment_freq\" id=\"repayment_freq\" class=\"payment-opt-drop\">\n                                                                                            <option value=\"Monthly\" selected>Mensuel<\/option>\n                                                                                                <option value=\"Yearly\" >Annuel<\/option>\n                                                                                        <\/select>                                  \n                                                                        <input type=\"text\" name=\"loan_terms\" min=\"12\" max=\"480\" maxlength=\"5\" id=\"loan_terms\" value=\"\" tabindex=\"5\" onkeydown=\"return onlyNos(event,'loan_terms')\" \/>\n\n                                <\/div>\n\n                                                            <\/div>\n\n                            <input type=\"range\" min=\"12\" max=\"480\" value=\"12\" class=\"slider\" id=\"loan_terms_range\" tabindex=\"6\" step=\"1\">\n                            <input type=\"hidden\" name=\"default_value\" value=\"12\">\n                            <input type=\"hidden\" name=\"min_value\" value=\"12\">\n                            <input type=\"hidden\" name=\"max_value\" value=\"480\">\n                            <input type=\"hidden\" name=\"current_repayment_freq\" value=\"\">\n                        <\/div>\n                        <div class=\"first-row-sub-child\" >\n                                                            <div class=\"first-row-main-child\">\n                                    <label for=\"loan_amt\" class=\"loan-text\">Mode de paiement<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"8\"><\/i><span class=\"text-tooltip-disp\">Veuillez choisir le mode de paiement du pr\u00eat.<\/span><\/label>\n                                    <select name=\"payment_type\" id=\"payment_type\" class=\"payment-opt-drop\">\n                                        <option  value=\"In Advance\">\u00c0 l'avance<\/option>\n                                        <option selected value=\"In Arrears\">En souffrance<\/option>\n                                    <\/select>\n                                <\/div>\n                                                       \n                        <\/div>\n                    <\/div>\n                    <div class=\"second-row\">\n                         <div class=\"second-row-sub-child\">\n                            <label for=\"loan_amt\" class=\"loan-text\">Taux d'int\u00e9r\u00eat<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"8\"><\/i><span class=\"text-tooltip-disp\">Le taux d'int\u00e9r\u00eat correspond par d\u00e9faut au produit que vous avez s\u00e9lectionn\u00e9. Vous pouvez \u00e9galement modifier le taux \u00e0 la hausse ou \u00e0 la baisse pour comprendre l'effet sur vos remboursements et le total des int\u00e9r\u00eats \u00e0 payer.<\/span><\/label>\n                            <div class=\"loan-text-dis\">\n                                <input type=\"text\" name=\"interest_rates\" id=\"interest_rates\" value=\"\" tabindex=\"9\"  \/>\n                                <span id=\"interest_rate_range_dis\" class=\"rate_disp\"><\/span>\n                            <\/div>\n                            <input type=\"range\" min=\"1.25\" max=\"15.00\" value=\"3.5\" class=\"slider\" id=\"interest_rate_range\" tabindex=\"10\" step=\"0.25\">\n                        <\/div>\n                                                    <div class=\"second-row-sub-child\">\n\n                                <div class=\"loan-text-dis\">\n                                    <input type=\"hidden\" name=\"ballon_amounts\" id=\"ballon_amounts\" value=\"\" tabindex=\"11\" onkeydown=\"return onlyNos(event,'ballon_amounts')\" \/>\n\n                                    <input type=\"hidden\" name=\"ballon_amounts_per\" id=\"ballon_amounts_per\" value=\"0\" tabindex=\"12\" \/>\n                                <\/div>\n                                <input type=\"hidden\" id=\"ballon_amount_range\" tabindex=\"13\" step=\"1\" value=\"0\">\n                            <\/div>\n                                            <\/div>\n                    <div class=\"site-wraps-row-downpayment-extrapayment-row\">\n                        \n                                            <\/div>\n                <\/div>\n            <\/div>\n                        <div class=\"loan-detail-section\">\n                <div class=\"loan-detail-section-child\">\n                    <div class=\"sub-main-tab\">\n                        <div class=\"ww-loan-container\">\n                            <div class=\"tabs\">\n\n                                                                \n                                <input type=\"radio\" name=\"tabs\" id=\"tab1\" checked>\n                                <label for=\"tab1\" style=\"display: block;\">\n                                                                            <i class=\"fa fa-chart-bar\"><\/i>\n                                        <span class=\"tooltip-disp\">Tableau de remboursement<\/span>\n                                                                    <\/label>\n                                <input type=\"radio\" name=\"tabs\" id=\"tab3\" >\n                                <label for=\"tab3\" style=\"display: block;\">\n                                                                            <i class=\"fa fa-tasks\"><\/i>\n                                        <span class=\"tooltip-disp\">Tableau d'amortissement des pr\u00eats<\/span>\n                                                                    <\/label>\n                                <input type=\"radio\" name=\"tabs\" id=\"tab2\" >\n                                <label for=\"tab2\" style=\"display: none;\">\n                                                                            <i class=\"fa fa-play\"><\/i>\n                                        <span class=\"tooltip-disp\">Vid\u00e9o<\/span>\n                                                                    <\/label>\n                                                                <div id=\"tab-content1\" class=\"tab-content\">\n                                    <canvas id=\"loan-process-graph\" width=\"650\" height=\"320\"><\/canvas>\n                                                                            <div id=\"chart-note\" class=\"chart-note\"><p>**Note : Si le nombre de paiements d\u00e9passe 120, un groupe de 12 paiements sera combin\u00e9 en un seul num\u00e9ro de paiement pour une meilleure visibilit\u00e9 du tableau.<\/p><\/div>\n                                <\/div>\n                                <div id=\"tab-content2\" class=\"tab-content\">\n                                                                            <div class=\"lyte-wrapper\" style=\"width:560px;max-width:100%;margin:5px;\"><div class=\"lyMe\" id=\"WYL_VhvlcwYUyIg\"><div id=\"lyte_VhvlcwYUyIg\" data-src=\"https:\/\/smart-finance.lu\/wp-content\/plugins\/wp-youtube-lyte\/lyteCache.php?origThumbUrl=%2F%2Fi.ytimg.com%2Fvi%2FVhvlcwYUyIg%2Fhqdefault.jpg\" class=\"pL\"><div class=\"tC\"><div class=\"tT\"><\/div><\/div><div class=\"play\"><\/div><div class=\"ctrl\"><div class=\"Lctrl\"><\/div><div class=\"Rctrl\"><\/div><\/div><\/div><noscript><a href=\"https:\/\/youtu.be\/VhvlcwYUyIg\" rel=\"nofollow noopener\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/smart-finance.lu\/wp-content\/plugins\/wp-youtube-lyte\/lyteCache.php?origThumbUrl=https%3A%2F%2Fi.ytimg.com%2Fvi%2FVhvlcwYUyIg%2F0.jpg\" alt=\"YouTube video thumbnail\" width=\"560\" height=\"295\" \/><br \/>Lire cette vid\u00e9o sur YouTube<\/a><\/noscript><\/div><\/div><div class=\"lL\" style=\"max-width:100%;width:560px;margin:5px;\"><\/div>\n                                                                    <\/div>                               \n                                <div id=\"tab-content3\" class=\"tab-content\">\n                                    <table id=\"loan-process-tbl\">\n                                        <thead>\n                                            <tr>\n                                                <th>P\u00e9riode<\/th>\n                                                <th>Paiement<\/th>\n                                                                                                <th>Int\u00e9r\u00eat<\/th>\n                                                <th>\u00c9quilibre<\/th>\n                                            <\/tr>\n                                        <\/thead>\n                                        <tbody id=\"loan_table_data\">\n                                        <\/tbody>\n                                    <\/table>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                <div class=\"loan-detail-section-child\" >\n                    <div class=\"summary-calculation-and-chart-wrappar\">\n                    <div class=\"loan-detail-cal-desc\">\n                        <div class=\"loan-cal-desc\">\n                            <div class=\"loan-cal-desc-heading main-heading\">\n                                <label id=\"regular_repayment_heading\"><strong>{fr\u00e9quence} Paiement<\/strong><\/label>\n\n                        <\/div>\n                        <div class=\"loan-cal-desc-val\">\n                            <label><span><small>\u20ac<\/small><span id=\"per_month_amount\"><\/span><\/span> <strong id=\"loan_amount_term_label\"><\/strong><span id=\"loan_amount_year\"><\/span><\/label>\n                        <\/div>\n                    <\/div>\n                                            <div class=\"loan-cal-desc\">\n                            <div class=\"loan-cal-desc-heading\">\n                                <label><strong>Total des int\u00e9r\u00eats \u00e0 payer<\/strong><\/label>\n                            <\/div>\n                            <div class=\"loan-cal-desc-val\">\n                                <label><small>\u20ac<\/small><span id=\"total_interests_amt\"><\/span> plus <span id=\"total_interests_years\"><\/span> <\/label>\n                            <\/div>\n\n                        <\/div>\n                                        <span id=\"total_interests_amt_hidden\"><\/span>\n                    <div class=\"loan-cal-desc\" id=\"ballon_amt_section\">\n                        <div class=\"loan-cal-desc-heading\">\n                            <label><strong>Montant du ballon (<span id=\"bill_ballon_per\">0.00<\/span>%)<\/strong><\/label>\n                        <\/div>\n                        <div class=\"loan-cal-desc-val\">\n                            <label><small>\u20ac<\/small><strong><span id=\"bill_ballon_amt\">0.00<\/span><\/strong><\/label>\n                        <\/div>\n\n                    <\/div>\n\n                    \n                    \n            <\/div>\n            \n                    <\/div>\n                                <\/div>\n    <\/div>\n<\/section>\n<div class=\"contact-us-popup\" style=\"display:none;\">\n    <div class=\"contact-us-popup-body\">\n        <a href=\"javascript:void(0);\" class=\"close-button\" onclick=\"jQuery('.contact-us-popup').hide();jQuery('body').removeClass('body-overflow-hidden');\">X<\/a>\n        N'h\u00e9sitez pas \u00e0 nous contacter pour un devis personnalis\u00e9.    <\/div>\n<\/div>\n\n\n    <div class=\"calculator-disclaimer-section\">\n        <h4>Avis de non-responsabilit\u00e9 du calculateur<\/h4>\n        <p><p>Le montant du remboursement indiqu\u00e9 \u00e0 l'aide de cette calculatrice est une estimation, bas\u00e9e sur les informations que vous avez fournies. Il est fourni \u00e0 titre d'illustration uniquement et les montants r\u00e9els de remboursement peuvent varier. Pour conna\u00eetre les montants r\u00e9els de remboursement, contactez-nous. Ce calcul ne constitue pas un devis, une approbation de pr\u00eat, un accord ou un conseil de la part de My Finance. Il ne tient pas compte de votre situation personnelle ou financi\u00e8re.<\/p><\/p>\n    <\/div>\n<\/section>\n<\/div><\/div>\n\t\t\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<div class=\"elementor-element elementor-element-d072e8e e-con-full e-flex e-con e-parent\" data-id=\"d072e8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-74da805 e-con-full e-flex e-con e-child\" data-id=\"74da805\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-348e871 e-con-full e-flex e-con e-child\" data-id=\"348e871\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5415f9e e-con-full e-flex e-con e-child\" data-id=\"5415f9e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-36a8462 e-con-full e-flex e-con e-child\" data-id=\"36a8462\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e47df3d cea-tablet-align-center elementor-widget elementor-widget-ceasectiontitle\" data-id=\"e47df3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ceasectiontitle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"section-title-wrapper\"><div class=\"title-wrap\"><div class=\"sub-title\"><span class=\"subtitle-dots\">Histoires de clients<\/span><\/div><h2 class=\"section-title\">Atteindre ensemble des objectifs financiers<\/h2><\/div><!-- .title-wrap --><div class=\"section-description\"><\/div><!-- .section-description --><\/div><!-- .section-title-wrapper -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f8ce156 e-con-full e-flex e-con e-child\" data-id=\"f8ce156\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b91b8e cus-tm-wrap elementor-invisible elementor-widget elementor-widget-ceatestimonial\" data-id=\"5b91b8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"ceatestimonial.default\">\n\t\t\t\t\n\t\t<div class=\"elementor-widget-container testimonial-wrapper testimonial-style-default testimonial-light testimonial-slide-model image-gallery\">\n\t\t\n\t\t\t<div class=\"cea-carousel owl-carousel\" data-loop=\"1\" data-margin=\"0\" data-center=\"0\" data-nav=\"0\" data-dots=\"0\" data-autoplay=\"0\" data-items=\"1\" data-items-tab=\"1\" data-items-mob=\"1\" data-duration=\"5000\" data-smartspeed=\"250\" data-scrollby=\"1\" data-autoheight=\"0\"><div class=\"owl-carousel-item\" ><div class=\"testimonial-inner\"><div class=\"post-excerpt\">J'ai \u00e9t\u00e9 tr\u00e8s satisfaite de la consultation fournie par M. Boden. Il \u00e9tait toujours disponible et, gr\u00e2ce \u00e0 sa comp\u00e9tence et \u00e0 son amabilit\u00e9, je me suis sentie bien trait\u00e9e \u00e0 tout moment.<\/div><!-- .post-excerpt --><h4 class=\"post-title-head\"><a href=\"https:\/\/smart-finance.lu\/fr\/testimonial\/very-happy\/\" class=\"client-name post-title\">Tr\u00e8s heureux<\/a><\/h4><div class=\"top-meta clearfix\"><ul class=\"nav top-meta-list meta-left\"><li><div class=\"testimonial-designation\"><div class=\"post-designation-head\">J\u00e9r\u00f4me<\/div><\/div><!-- .testimonial-designation --><\/li><\/ul><\/div><\/div><!-- .testimonial-inner --><\/div><!-- .col \/ .owl-carousel-item \/ .isotope --><div class=\"owl-carousel-item\" ><div class=\"testimonial-inner\"><div class=\"post-excerpt\">Gr\u00e2ce \u00e0 leurs conseils avis\u00e9s et \u00e0 leur efficacit\u00e9 dans le traitement des documents, mon cr\u00e9dit a \u00e9t\u00e9 approuv\u00e9 rapidement et sans aucun probl\u00e8me. Ce qui m'a le plus impressionn\u00e9, c'est la transparence et la simplicit\u00e9 avec lesquelles tout s'est d\u00e9roul\u00e9. Pas de surprises cach\u00e9es, juste un soutien honn\u00eate et fiable du d\u00e9but \u00e0 la fin.<\/div><!-- .post-excerpt --><h4 class=\"post-title-head\"><a href=\"https:\/\/smart-finance.lu\/fr\/testimonial\/easy-and-efficient\/\" class=\"client-name post-title\">Facile et efficace<\/a><\/h4><div class=\"top-meta clearfix\"><ul class=\"nav top-meta-list meta-left\"><li><div class=\"testimonial-designation\"><div class=\"post-designation-head\">Christophe<\/div><\/div><!-- .testimonial-designation --><\/li><\/ul><\/div><\/div><!-- .testimonial-inner --><\/div><!-- .col \/ .owl-carousel-item \/ .isotope --><div class=\"owl-carousel-item\" ><div class=\"testimonial-inner\"><div class=\"post-excerpt\">Je ne pourrais pas \u00eatre plus satisfait du service que j'ai re\u00e7u de Smart Finance. D\u00e8s le d\u00e9but, l'\u00e9quipe a \u00e9t\u00e9 incroyablement professionnelle, r\u00e9active et a vraiment compris mes besoins. En tant que personne vivant au Luxembourg et cherchant \u00e0 acheter un bien immobilier en Allemagne, je n'\u00e9tais pas s\u00fbre du processus - mais Smart Finance a rendu les choses si faciles et sans stress.<\/div><!-- .post-excerpt --><h4 class=\"post-title-head\"><a href=\"https:\/\/smart-finance.lu\/fr\/testimonial\/professional-and-clear\/\" class=\"client-name post-title\">Professionnel et clair<\/a><\/h4><div class=\"top-meta clearfix\"><ul class=\"nav top-meta-list meta-left\"><li><div class=\"testimonial-designation\"><div class=\"post-designation-head\">Stacy<\/div><\/div><!-- .testimonial-designation --><\/li><\/ul><\/div><\/div><!-- .testimonial-inner --><\/div><!-- .col \/ .owl-carousel-item \/ .isotope --><\/div><!-- .owl-carousel -->\t\t\t\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\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-e61debb e-con-full e-flex e-con e-parent\" data-id=\"e61debb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-25fcdc9 e-con-full e-flex e-con e-child\" data-id=\"25fcdc9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8104fe2 e-con-full e-flex e-con e-child\" data-id=\"8104fe2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-655ca0a e-con-full e-flex e-con e-child\" data-id=\"655ca0a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fde76e6 elementor-widget elementor-widget-ceasectiontitle\" data-id=\"fde76e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ceasectiontitle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"section-title-wrapper\"><div class=\"title-wrap\"><div class=\"sub-title\"><span class=\"subtitle-dots\">Obtenir des mises \u00e0 jour<\/span><\/div><h2 class=\"section-title\">Recevez les derni\u00e8res nouvelles de Smart Finance<\/h2><\/div><!-- .title-wrap --><div class=\"section-description\"><p class=\"section-content\">Remplissez le formulaire ci-dessous et recevez r\u00e9guli\u00e8rement des informations sur Smart Finance et le monde de la finance.<\/p><\/div><!-- .section-description --><\/div><!-- .section-title-wrapper -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da4ba52 elementor-widget elementor-widget-ceamailchimp\" data-id=\"da4ba52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ceamailchimp.default\">\n\t\t\t\t\r\n\t\t<div class=\"elementor-widget-container cea-mailchimp-wrapper cea-mailchimp-style-inline\">\r\n\t\t\r\n\t\t\t\t\t<form class=\"zozo-mc-form\" id=\"zozo-mc-form-0\" method=\"post\" action=\"\">\r\n\t\t<input type=\"hidden\" id=\"cea_mc_nonce\" name=\"cea_mc_nonce\" value=\"a6dd995fc0\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/fr\/wp-json\/wp\/v2\/pages\/90202\" \/>\t\t\r\n\t\t\t\t\r\n\t\t\t\t\r\n\t\t\t\t\t<div class=\"input-group\">\r\n\t\t\t\t<input type=\"text\" class=\"form-control zozo-mc-email\" required=\"required\" id=\"zozo-mc-email\" placeholder=\"Votre courriel\" name=\"cea_mc_email\">\r\n\t\t\t\t<button class=\"input-group-addon cea-mc btn btn-default\">S'abonner<\/button>\t\t\t<\/div>\r\n\t\t\t\t<input type=\"hidden\" name=\"trp-form-language\" value=\"fr\"\/><\/form>\r\n\t\t<!-- Mailchimp Custom Script -->\r\n\t\t<div class=\"mc-notice-group\" data-success=\"Email added successfully.\" data-fail=\"Email added process failed.\">\r\n\t\t\t<span class=\"mc-notice-msg\"><\/span>\r\n\t\t<\/div><!-- .mc-notice-group -->\r\n\t\t\t\t\t\r\n\t\t<\/div>\r\n\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-b71a993 e-con-full e-flex e-con e-child\" data-id=\"b71a993\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\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-d73899d e-flex e-con-boxed e-con e-parent\" data-id=\"d73899d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8cff3dd e-con-full e-flex e-con e-child\" data-id=\"8cff3dd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-8c0bcda e-con-full e-flex e-con e-child\" data-id=\"8c0bcda\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div 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class=\"elementor-post__thumbnail__link\" href=\"https:\/\/smart-finance.lu\/fr\/how-to-calculate-your-loan-to-value-ltv-ratio\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"456\" src=\"https:\/\/smart-finance.lu\/wp-content\/uploads\/2025\/10\/calculate-your-loan-to-value-ratio-768x456.jpg\" class=\"attachment-medium size-medium wp-image-94692\" alt=\"image of calculating loan-to-vale (LTV) ratio\" srcset=\"https:\/\/smart-finance.lu\/wp-content\/uploads\/2025\/10\/calculate-your-loan-to-value-ratio-768x456.jpg 768w, https:\/\/smart-finance.lu\/wp-content\/uploads\/2025\/10\/calculate-your-loan-to-value-ratio-1170x694.jpg 1170w, https:\/\/smart-finance.lu\/wp-content\/uploads\/2025\/10\/calculate-your-loan-to-value-ratio-18x12.jpg 18w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/smart-finance.lu\/fr\/how-to-calculate-your-loan-to-value-ltv-ratio\/\">\n\t\t\t\tComment calculer votre ratio pr\u00eat-valeur (LTV) avant de faire une demande de pr\u00eat hypoth\u00e9caire\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t16. octobre 2025\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/smart-finance.lu\/fr\/how-to-calculate-your-loan-to-value-ltv-ratio\/\" aria-label=\"Read more about How to Calculate Your Loan-to-Value (LTV) Ratio Before Applying for a Mortgage\" tabindex=\"-1\">\n\t\t\tLire la suite \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-94636 post type-post status-publish format-standard has-post-thumbnail hentry category-allgemein category-finance\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/smart-finance.lu\/fr\/what-is-the-loan-to-value-ltv-ratio\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"456\" src=\"https:\/\/smart-finance.lu\/wp-content\/uploads\/2025\/10\/what-is-loan-to-value-ratio-768x456.jpg\" class=\"attachment-medium size-medium wp-image-94679\" alt=\"Illustration of Loan-to-Value (LTV) ratios showing mortgage percentage levels for home buyers in Luxembourg.\" srcset=\"https:\/\/smart-finance.lu\/wp-content\/uploads\/2025\/10\/what-is-loan-to-value-ratio-768x456.jpg 768w, https:\/\/smart-finance.lu\/wp-content\/uploads\/2025\/10\/what-is-loan-to-value-ratio-1170x694.jpg 1170w, https:\/\/smart-finance.lu\/wp-content\/uploads\/2025\/10\/what-is-loan-to-value-ratio-18x12.jpg 18w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/smart-finance.lu\/fr\/what-is-the-loan-to-value-ltv-ratio\/\">\n\t\t\t\tQu'est-ce que le ratio pr\u00eat-valeur (LTV) et pourquoi est-il important au Luxembourg?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t14. octobre 2025\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/smart-finance.lu\/fr\/what-is-the-loan-to-value-ltv-ratio\/\" aria-label=\"Read more about What Is the Loan-to-Value (LTV) Ratio and Why It Matters in Luxembourg\" tabindex=\"-1\">\n\t\t\tLire la suite \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-94589 post type-post status-publish format-standard has-post-thumbnail hentry category-allgemein category-finance\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/smart-finance.lu\/fr\/mortgage-refinancing-in-luxembourg\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"456\" src=\"https:\/\/smart-finance.lu\/wp-content\/uploads\/2025\/09\/mortgage-refinancing-in-luxembourg-768x456.jpg\" class=\"attachment-medium size-medium wp-image-94594\" alt=\"Mortgage Refinancing in Luxembourg\" srcset=\"https:\/\/smart-finance.lu\/wp-content\/uploads\/2025\/09\/mortgage-refinancing-in-luxembourg-768x456.jpg 768w, https:\/\/smart-finance.lu\/wp-content\/uploads\/2025\/09\/mortgage-refinancing-in-luxembourg-1170x694.jpg 1170w, https:\/\/smart-finance.lu\/wp-content\/uploads\/2025\/09\/mortgage-refinancing-in-luxembourg-18x12.jpg 18w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/smart-finance.lu\/fr\/mortgage-refinancing-in-luxembourg\/\">\n\t\t\t\tRefinancement hypoth\u00e9caire au Luxembourg: fonctionnement et co\u00fbts\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t22. septembre 2025\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/smart-finance.lu\/fr\/mortgage-refinancing-in-luxembourg\/\" aria-label=\"Read more about Mortgage Refinancing in Luxembourg: How It Works, Costs\" tabindex=\"-1\">\n\t\t\tLire la suite \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\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>","protected":false},"excerpt":{"rendered":"<p>Que proposons-nous Nous vous aidons \u00e0 obtenir la propri\u00e9t\u00e9 de vos r\u00eaves en Allemagne Pourquoi Smart Finance Comment \u00e7a marche Notre vision Nous vous aidons dans tous 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Financement transfrontalier La connaissance approfondie des march\u00e9s financiers allemand et luxembourgeois par notre \u00e9quipe vous garantit les meilleurs choix de financement. 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