{"id":9332,"date":"2023-11-26T16:44:09","date_gmt":"2023-11-26T15:44:09","guid":{"rendered":"https:\/\/www.fidem.lu\/beleihungswertauslauf\/"},"modified":"2023-11-26T17:18:23","modified_gmt":"2023-11-26T16:18:23","slug":"pret-valeur","status":"publish","type":"page","link":"https:\/\/www.fidem.lu\/fr\/pret-valeur\/","title":{"rendered":"Pr\u00eat-Valeur"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"9332\" class=\"elementor elementor-9332\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-100490d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"100490d\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&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-3546eed\" data-id=\"3546eed\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c21cd7c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c21cd7c\" data-element_type=\"section\">\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-inner-column elementor-element elementor-element-d8f12a5 elementor-invisible\" data-id=\"d8f12a5\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\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-280b726 textBreakOverflow elementor-widget elementor-widget-heading\" data-id=\"280b726\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Le ratio Pr\u00eat\/Valeur (RPV)<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a79355 divider-blue elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"4a79355\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-756ab70 elementor-widget elementor-widget-heading\" data-id=\"756ab70\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pourquoi le ratio Pr\u00eat\/Valeur (RPV) est-il un crit\u00e8re essentiel pour le financement de mon logement ?\t\t\t\t\t\t\t\t\t\t<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d3bd80 elementor-widget elementor-widget-text-editor\" data-id=\"5d3bd80\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Le rapport entre le montant du pr\u00eat et la valeur du bien en garantie (RPV) est un ratio important pour les banques lorsqu&rsquo;elles traitent une demande de cr\u00e9dit. Ce ratio fournit des informations sur l&rsquo;importance du risque de cr\u00e9dit pour la banque.<\/p><p style=\"text-align: center;\">Son calcul est un pourcentage qui indique la proportion entre la valeur du bien propos\u00e9e en garantie et le montant du pr\u00eat hypoth\u00e9caire requis aupr\u00e8s des banques.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\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\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-cd1cab7 elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"cd1cab7\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&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-ca984bb\" data-id=\"ca984bb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e5a90e2 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"e5a90e2\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&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-50 elementor-inner-column elementor-element elementor-element-4aa1742 elementor-invisible\" data-id=\"4aa1742\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\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-91350a7 elementor-widget elementor-widget-image\" data-id=\"91350a7\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\" class=\"attachment-large size-large wp-image-8895\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8bc2ab1 elementor-invisible\" data-id=\"8bc2ab1\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\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-63a63b8 elementor-widget elementor-widget-heading\" data-id=\"63a63b8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Exemple<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-863304d elementor-widget elementor-widget-text-editor\" data-id=\"863304d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A titre d\u2018exemple, un ratio pr\u00eat\/valeur de 100 % signifie que l\u2018emprunt finance 100 % de la valeur du bien immobilier. Si les emprunteurs ne paient que les frais d&rsquo;acquisition li\u00e9s \u00e0 l&rsquo;achat d&rsquo;un bien immobilier, la banque couvrira 100 % du pr\u00eat \u00e9mis contre une garantie, g\u00e9n\u00e9ralement une inscription hypoth\u00e9caire, ou hypoth\u00e8que, sur la propri\u00e9t\u00e9 financ\u00e9e.<\/p><p>Plus ce ratio est bas, plus le risque de la banque est faible. Si un acheteur peut payer <a href=\"https:\/\/www.fidem.lu\/fr\/fonds-propres\/\">les frais d\u2019acquisition<\/a> et 10 % du prix d&rsquo;achat, le ratio pr\u00eat\/valeur est de 90 %.<\/p><p>Dans la plupart des cas, la valeur du bien est \u00e9gale au prix d&rsquo;acquisition convenu. Mais l&rsquo;\u00e9valuation du risque bancaire peut \u00e9galement inclure l&rsquo;expertise de l\u2018\u00e9valuation du bien immobilier afin de comparer le prix d&rsquo;acquisition d\u00e9clar\u00e9 avec son estimation de la valeur marchande de l&rsquo;actif. Les principaux facteurs influen\u00e7ant la valeur du bien sont sa localisation, la surface habitable, les places de parking, la nature des derni\u00e8res r\u00e9novations et la performance \u00e9nerg\u00e9tique actuelle.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\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\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-2261730 blog-bubbleMidBlueLeftBG-580px-resize elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"2261730\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&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-20bbf90\" data-id=\"20bbf90\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d6ef29a elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"d6ef29a\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&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-inner-column elementor-element elementor-element-3b554b9 elementor-invisible\" data-id=\"3b554b9\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\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-6411c71 elementor-widget elementor-widget-image\" data-id=\"6411c71\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\" class=\"attachment-large size-large wp-image-8895\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\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-d4b5ccb elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"d4b5ccb\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&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-e954742 elementor-invisible\" data-id=\"e954742\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\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-9958d54 elementor-widget elementor-widget-heading\" data-id=\"9958d54\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Exemple<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae4521b elementor-widget elementor-widget-text-editor\" data-id=\"ae4521b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A titre d\u2018exemple, un ratio pr\u00eat\/valeur de 100 % signifie que l\u2018emprunt finance 100 % de la valeur du bien immobilier. Si les emprunteurs ne paient que les frais d&rsquo;acquisition li\u00e9s \u00e0 l&rsquo;achat d&rsquo;un bien immobilier, la banque couvrira 100 % du pr\u00eat \u00e9mis contre une garantie, g\u00e9n\u00e9ralement une inscription hypoth\u00e9caire, ou hypoth\u00e8que, sur la propri\u00e9t\u00e9 financ\u00e9e.<\/p><p>Plus ce ratio est bas, plus le risque de la banque est faible. Si un acheteur peut payer <a href=\"https:\/\/www.fidem.lu\/fr\/fonds-propres\/\">les frais d\u2019acquisition<\/a> et 10 % du prix d&rsquo;achat, le ratio pr\u00eat\/valeur est de 90 %.<\/p><p>Dans la plupart des cas, la valeur du bien est \u00e9gale au prix d&rsquo;acquisition convenu. Mais l&rsquo;\u00e9valuation du risque bancaire peut \u00e9galement inclure l&rsquo;expertise de l\u2018\u00e9valuation du bien immobilier afin de comparer le prix d&rsquo;acquisition d\u00e9clar\u00e9 avec son estimation de la valeur marchande de l&rsquo;actif. Les principaux facteurs influen\u00e7ant la valeur du bien sont sa localisation, la surface habitable, les places de parking, la nature des derni\u00e8res r\u00e9novations et la performance \u00e9nerg\u00e9tique actuelle.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\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-c52c272 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c52c272\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&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-886a09f\" data-id=\"886a09f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e5f1cbf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e5f1cbf\" data-element_type=\"section\">\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-50 elementor-inner-column elementor-element elementor-element-b472e4f elementor-invisible\" data-id=\"b472e4f\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\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-d7ae62d elementor-widget elementor-widget-heading\" data-id=\"d7ae62d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">R\u00e9glementations bancaires<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e0e052 elementor-widget elementor-widget-text-editor\" data-id=\"7e0e052\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La Commission de Surveillance du Secteur Financier (CSSF) limite le ratio de financement des biens immobiliers selon les crit\u00e8res ci-dessous en fonction du projet immobilier de l&rsquo;acqu\u00e9reur. Chaque banque applique ses crit\u00e8res d&rsquo;\u00e9valuation en mati\u00e8re de ratio de financement et peut conditionner son acceptation du ratio pr\u00eat\/valeur maximal, sans d\u00e9passer la limite sup\u00e9rieure de 100 %.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f4e06b elementor-widget elementor-widget-heading\" data-id=\"4f4e06b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Primo-acc\u00e9dants d'une r\u00e9sidence principale : <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3fa7bb7 elementor-invisible\" data-id=\"3fa7bb7\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\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-23995ce elementor-widget elementor-widget-image\" data-id=\"23995ce\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/one-house-white-300px.png\" class=\"attachment-large size-large wp-image-9123\" alt=\"Erstk\u00e4ufer\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/one-house-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/one-house-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\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\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-inner-section elementor-element elementor-element-23d38dd elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"23d38dd\" data-element_type=\"section\">\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-50 elementor-inner-column elementor-element elementor-element-99f3002 elementor-invisible\" data-id=\"99f3002\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\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-75889b9 elementor-widget elementor-widget-image\" data-id=\"75889b9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/real-estate-invest-white-300px-1.png\" class=\"attachment-large size-large wp-image-9144\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/real-estate-invest-white-300px-1.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/real-estate-invest-white-300px-1-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-42b1715 elementor-invisible\" data-id=\"42b1715\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\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-0d1b7f2 elementor-widget elementor-widget-heading\" data-id=\"0d1b7f2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Second-acc\u00e9dants d\u2018une r\u00e9sidence principale : <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83e8ad6 elementor-widget elementor-widget-text-editor\" data-id=\"83e8ad6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Toute personne qui n&rsquo;est plus consid\u00e9r\u00e9e comme primo-acc\u00e9dant et qui ach\u00e8te encore le projet \u00e0 des fins r\u00e9sidentielles, par exemple pour passer d&rsquo;un appartement \u00e0 une maison, un apport compl\u00e9mentaire en fonds propres sera n\u00e9cessaire. Dans ce cas, les acheteurs peuvent emprunter jusqu&rsquo;\u00e0 90 % de la valeur du bien. Ils doivent donc payer au moins 10 % du prix d\u2019acquisition, hors frais d&rsquo;acquisition, de leur \u00e9pargne pour <strong>respecter un ratio pr\u00eat\/valeur maximum de 90 %<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f1d114 elementor-widget elementor-widget-heading\" data-id=\"8f1d114\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">R\u00e9sidence secondaire et Investissement locatif :<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc440d1 elementor-widget elementor-widget-text-editor\" data-id=\"bc440d1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Toute personne qui acquiert une r\u00e9sidence secondaire ou qui investit dans un bien immobilier pour en tirer un revenu locatif. Il faut d\u00e8s lors <strong>respecter un ratio Pr\u00eat\/Valeur maximum de 80 %<\/strong>.<\/p><p>Ainsi, les futurs propri\u00e9taires d\u2019une r\u00e9sidence secondaire et les investisseurs devront payer sur leurs fonds propres au moins 20 % du prix d&rsquo;achat, hors frais d&rsquo;acquisition. Les banques peuvent \u00e9galement financer une r\u00e9sidence secondaire, c&rsquo;est-\u00e0-dire une propri\u00e9t\u00e9 de vacances situ\u00e9e en dehors du Luxembourg. La limite de 80 % n&rsquo;\u00e9tant qu&rsquo;un maximum, certaines banques peuvent requ\u00e9rir un apport en fonds propres plus \u00e9lev\u00e9.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\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 class=\"elementor-element elementor-element-450d602 elementor-widget elementor-widget-html\" data-id=\"450d602\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style type=\"text\/css\">\r\n.tg1  {border-collapse:collapse;border-spacing:0;margin:0px auto;}\r\n.tg1 td{border-color:white;border-style:solid;border-width:2px;font-family:Arial, sans-serif;font-size:16px;\r\n  overflow:hidden;padding:10px 5px;word-break:normal;}\r\n.tg1 th{border-color:white;border-style:solid;border-width:2px;font-family:Arial, sans-serif;font-size:16px;\r\n  font-weight:normal;overflow:hidden;padding:10px 5px;word-break:normal;}\r\n.tg1 .tg1-0pky{border-color:white;text-align:left;vertical-align:top;color:white !important;line-height:1.2;}\r\n@media screen and (max-width: 767px) {.tg1 {width: auto !important;}.tg1 col {width: auto !important;}.tg1-wrap {overflow-x: auto;-webkit-overflow-scrolling: touch;margin: auto 0px;}}<\/style>\r\n<div class=\"tg1-wrap\"><table class=\"tg1\">\r\n<thead>\r\n  <tr>\r\n    <th class=\"tg1-0pky\">Ratio Pr\u00eat \/ Valeur (RPV) <\/th>\r\n    <th class=\"tg1-0pky\">R\u00e9sidence Principale<\/th>\r\n    <th class=\"tg1-0pky\">Seconde R\u00e9sidence \/ Bien locative<\/th>\r\n  <\/tr>\r\n<\/thead>\r\n<tbody>\r\n  <tr>\r\n    <td class=\"tg1-0pky\">Primo-acc\u00e9dants<\/td>\r\n    <td class=\"tg1-0pky\">Jusqu\u2019\u00e0 100%<\/td>\r\n    <td class=\"tg1-0pky\">Jusqu\u2019\u00e0  90%<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg1-0pky\">Second-acc\u00e9dants<\/td>\r\n    <td class=\"tg1-0pky\">Jusqu\u2019\u00e0 80%<\/td>\r\n    <td class=\"tg1-0pky\">Jusqu\u2019\u00e0 80%<\/td>\r\n  <\/tr>\r\n<\/tbody>\r\n<\/table><\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a64003 elementor-widget elementor-widget-text-editor\" data-id=\"1a64003\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Les primo-acc\u00e9dants au Luxembourg peuvent emprunter jusqu&rsquo;\u00e0 100 %<\/strong>. Si le bien est acquis conjointement, si l&rsquo;un des acheteurs est d\u00e9j\u00e0 propri\u00e9taire d&rsquo;un bien immobilier au Luxembourg, les acheteurs ne peuvent \u00eatre consid\u00e9r\u00e9s comme primo-acc\u00e9dants. Les r\u00e8gles en mati\u00e8re de ratio pr\u00eat\/valeur sont plus strictes pour l&rsquo;achat d&rsquo;une r\u00e9sidence principale par des second-acqu\u00e9rants et pour l&rsquo;acquisition d&rsquo;une r\u00e9sidence secondaire ou d&rsquo;un bien locatif.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\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-709fee7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"709fee7\" data-element_type=\"section\">\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-5f21c03\" data-id=\"5f21c03\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-de7bbaf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"de7bbaf\" data-element_type=\"section\">\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-50 elementor-inner-column elementor-element elementor-element-01bdb7c elementor-invisible\" data-id=\"01bdb7c\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\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-fc8af24 elementor-widget elementor-widget-heading\" data-id=\"fc8af24\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Impacts des r\u00e9novations sur le ratio Pr\u00eat\/Valeur<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fbb8f8 elementor-widget elementor-widget-text-editor\" data-id=\"3fbb8f8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les r\u00e9novations peuvent avoir un <strong>impact sur la valeur marchande du bien, et donc sur le ratio Pr\u00eat\/Valeur<\/strong>. Les banques font une distinction entre les r\u00e9novations qui augmentent la valeur et celles qui la maintiennent.<\/p><p>On parle de <strong>r\u00e9novations valorisantes<\/strong> lorsque, par exemple, la surface habitable est augment\u00e9e par l&rsquo;am\u00e9nagement des combles ou que l&rsquo;efficacit\u00e9 \u00e9nerg\u00e9tique est am\u00e9lior\u00e9e par de nouvelles fen\u00eatres ou une meilleure isolation thermique.<\/p><p>Les <strong>r\u00e9novations ou modernisations de pr\u00e9servation<\/strong> de la valeur sont celles qui doivent \u00eatre effectu\u00e9es r\u00e9guli\u00e8rement pour maintenir la valeur du bien. C&rsquo;est le cas, par exemple, du remplacement des \u00e9quipements de la salle de bain, du nouveau carrelage, du nouveau rev\u00eatement de sol, etc.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ba4ae94 elementor-invisible\" data-id=\"ba4ae94\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\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-31fe764 elementor-widget elementor-widget-image\" data-id=\"31fe764\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/house-renovation-bluegrey-300px.png\" class=\"attachment-large size-large wp-image-9129\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/house-renovation-bluegrey-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/house-renovation-bluegrey-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\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\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-inner-section elementor-element elementor-element-04252d0 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"04252d0\" data-element_type=\"section\">\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-50 elementor-inner-column elementor-element elementor-element-a65d8c8 elementor-invisible\" data-id=\"a65d8c8\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\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-9752470 elementor-widget elementor-widget-image\" data-id=\"9752470\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/money-transfer-bluegrey-300px.png\" class=\"attachment-large size-large wp-image-9114\" alt=\"Geldtransfer\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/money-transfer-bluegrey-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/money-transfer-bluegrey-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-57cc499 elementor-invisible\" data-id=\"57cc499\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\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-b0fc85c elementor-widget elementor-widget-text-editor\" data-id=\"b0fc85c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les r\u00e9novations co\u00fbteuses n&rsquo;augmentent pas n\u00e9cessairement la valeur du bien. Si la cuisine fonctionnelle existante est remplac\u00e9e par une nouvelle cuisine haut de gamme, elle peut constituer un avantage attrayant au moment de la vente du bien. Mais si la banque doit forcer la vente de l&rsquo;appartement ou de la maison, la valeur de cette r\u00e9novation ne sera probablement pas refl\u00e9t\u00e9e dans le prix d&rsquo;adjudication.<\/p><p>Dans le cas d&rsquo;une r\u00e9novation financ\u00e9e par la banque, le ratio pr\u00eat\/valeur doit inclure un <strong>maximum de 80 % des co\u00fbts de r\u00e9novation<\/strong>. Les <strong>20 % restants doivent \u00eatre couverts<\/strong> par les acheteurs sur base de de fonds propres suppl\u00e9mentaires, si le ratio pr\u00eat\/valeur initial du prix d&rsquo;achat est d\u00e9j\u00e0 de 100 %.<\/p><p>La taxe sur la valeur ajout\u00e9e (TVA) n&rsquo;\u00e9tant pas une composante de la valeur, seuls les mat\u00e9riaux et la main-d&rsquo;\u0153uvre peuvent \u00eatre financ\u00e9s.<\/p><p>En conclusion, plus le ratio pr\u00eat\/valeur est faible, plus le risque pour la banque est limit\u00e9. Un RPV plus faible est \u00e9galement un <strong>facteur important dans la n\u00e9gociation des taux d&rsquo;int\u00e9r\u00eat<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\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-inner-section elementor-element elementor-element-b417c52 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"b417c52\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&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-inner-column elementor-element elementor-element-831ce37\" data-id=\"831ce37\" data-element_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-8786a16 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8786a16\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\"><span style=\"color: #008EAA;font-weight: 500\">fidem.<\/span> se chargera volontiers de ces n\u00e9gociations pour vous, afin que vous puissiez b\u00e9n\u00e9ficier des meilleures conditions pour votre projet immobilier ! <\/h4>\t\t\t\t<\/div>\n\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-inner-section elementor-element elementor-element-1422686 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1422686\" data-element_type=\"section\">\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-inner-column elementor-element elementor-element-ca0d229\" data-id=\"ca0d229\" data-element_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-088f85a elementor-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"088f85a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/fr\/contact\" id=\"front_contact_steps\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Demandez conseil maintenant<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\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\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-cdadee4 bubblesBG elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cdadee4\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&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-d54e6aa\" data-id=\"d54e6aa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-500dee9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"500dee9\" data-element_type=\"section\">\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-inner-column elementor-element elementor-element-98dc383\" data-id=\"98dc383\" data-element_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-fcf2546 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"fcf2546\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-large\">KEY TAKEAWAYS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7eb998f elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"7eb998f\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-large\">Die wichtigsten Erkenntnisse warum Sie <span style=\"color: #008EAA;font-weight: 500\">fidem.<\/span> als Ihren Kreditvermittler w\u00e4hlen sollten<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-699a521 divider-blue elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"699a521\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6d04776 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"6d04776\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&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-50 elementor-inner-column elementor-element elementor-element-ee128e2\" data-id=\"ee128e2\" data-element_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-28a0b75 elementor-widget elementor-widget-heading\" data-id=\"28a0b75\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">1<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8a3ed09\" data-id=\"8a3ed09\" data-element_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-189cfd3 elementor-widget elementor-widget-text-editor\" data-id=\"189cfd3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tIndividuelle Analyse Ihrer pers\u00f6nlichen Kreditaufnahmekapazit\u00e4t\t\t\t\t\t\t\t\t<\/div>\n\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-inner-section elementor-element elementor-element-85176d5 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"85176d5\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&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-50 elementor-inner-column elementor-element elementor-element-41ff379\" data-id=\"41ff379\" data-element_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-1ed911b elementor-widget elementor-widget-heading\" data-id=\"1ed911b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">2<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3f7692c\" data-id=\"3f7692c\" data-element_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-72d058a elementor-widget elementor-widget-text-editor\" data-id=\"72d058a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tExperten begleiten Sie durch den Produktdschungel der Banken\t\t\t\t\t\t\t\t<\/div>\n\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-inner-section elementor-element elementor-element-9d9d225 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"9d9d225\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&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-50 elementor-inner-column elementor-element elementor-element-f70e9cd\" data-id=\"f70e9cd\" data-element_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-ae51b98 elementor-widget elementor-widget-heading\" data-id=\"ae51b98\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">3<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b18095d\" data-id=\"b18095d\" data-element_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-2eddb86 elementor-widget elementor-widget-text-editor\" data-id=\"2eddb86\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tSparen Sie Zeit und Aufwand bei der Erstellung Ihrer Kreditanfrage\t\t\t\t\t\t\t\t<\/div>\n\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-inner-section elementor-element elementor-element-70bb0c5 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"70bb0c5\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&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-50 elementor-inner-column elementor-element elementor-element-36240d2\" data-id=\"36240d2\" data-element_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-4ddf961 elementor-widget elementor-widget-heading\" data-id=\"4ddf961\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">4<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6c16562\" data-id=\"6c16562\" data-element_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-9fa1af7 elementor-widget elementor-widget-text-editor\" data-id=\"9fa1af7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"white-space-collapse: preserve;\">Ein Ansprechpartner der f\u00fcr Sie die Verhandlungen bei allen Partnerbanken \u00fcbernimmt<\/span>\t\t\t\t\t\t\t\t<\/div>\n\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-inner-section elementor-element elementor-element-39d0213 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"39d0213\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&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-50 elementor-inner-column elementor-element elementor-element-99d1ad7\" data-id=\"99d1ad7\" data-element_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-cdea40d elementor-widget elementor-widget-heading\" data-id=\"cdea40d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">5<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0c027ab\" data-id=\"0c027ab\" data-element_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-73cd536 elementor-widget elementor-widget-text-editor\" data-id=\"73cd536\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"white-space-collapse: preserve;\">Unabh\u00e4ngiger und transparenter Kreditvergleich<\/span>\t\t\t\t\t\t\t\t<\/div>\n\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-inner-section elementor-element elementor-element-274c7f2 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"274c7f2\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&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-inner-column elementor-element elementor-element-bc14874\" data-id=\"bc14874\" data-element_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-0c9e392 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"0c9e392\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\"><span style=\"color: #008EAA;font-weight: 500\">fidem.<\/span> bietet all dies, ma\u00dfgeschneidert, schnell und kostenfrei.<\/h4>\t\t\t\t<\/div>\n\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-inner-section elementor-element elementor-element-8cc39e7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8cc39e7\" data-element_type=\"section\">\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-inner-column elementor-element elementor-element-d94b36b\" data-id=\"d94b36b\" data-element_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-e9f6c37 elementor-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"e9f6c37\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/contact\" id=\"front_contact_steps\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Buchen Sie jetzt Ihren Termin<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\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\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>Le ratio Pr\u00eat\/Valeur (RPV) Pourquoi le ratio Pr\u00eat\/Valeur (RPV) est-il un crit\u00e8re essentiel pour le financement de mon logement ? Le rapport entre le montant du pr\u00eat et la valeur du bien en garantie (RPV) est un ratio important pour les banques lorsqu&rsquo;elles traitent une demande de cr\u00e9dit. Ce ratio fournit des informations sur l&rsquo;importance&hellip;&nbsp;<a href=\"https:\/\/www.fidem.lu\/fr\/pret-valeur\/\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Pr\u00eat-Valeur<\/span><\/a><\/p>\n","protected":false},"author":7,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-pagebuilder-full-width.php","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"off","neve_meta_content_width":100,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","neve_meta_reading_time":"","footnotes":""},"class_list":["post-9332","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pr\u00eat-valeur, un indicateur important pour les cr\u00e9dits | fidem.<\/title>\n<meta name=\"description\" content=\"Le ratio pr\u00eat-valeur est un indicateur important pour les banques lors de l&#039;\u00e9valuation des risques li\u00e9s aux pr\u00eats immobiliers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fidem.lu\/fr\/pret-valeur\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pr\u00eat-valeur, un indicateur important pour les cr\u00e9dits | fidem.\" \/>\n<meta property=\"og:description\" content=\"Le ratio pr\u00eat-valeur est un indicateur important pour les banques lors de l&#039;\u00e9valuation des risques li\u00e9s aux pr\u00eats immobiliers.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fidem.lu\/fr\/pret-valeur\/\" \/>\n<meta property=\"og:site_name\" content=\"fidem.\" \/>\n<meta property=\"article:modified_time\" content=\"2023-11-26T16:18:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fidem.lu\/fr\/pret-valeur\/\",\"url\":\"https:\/\/www.fidem.lu\/fr\/pret-valeur\/\",\"name\":\"Pr\u00eat-valeur, un indicateur important pour les cr\u00e9dits | fidem.\",\"isPartOf\":{\"@id\":\"https:\/\/www.fidem.lu\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.fidem.lu\/fr\/pret-valeur\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.fidem.lu\/fr\/pret-valeur\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\",\"datePublished\":\"2023-11-26T15:44:09+00:00\",\"dateModified\":\"2023-11-26T16:18:23+00:00\",\"description\":\"Le ratio pr\u00eat-valeur est un indicateur important pour les banques lors de l'\u00e9valuation des risques li\u00e9s aux pr\u00eats immobiliers.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.fidem.lu\/fr\/pret-valeur\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.fidem.lu\/fr\/pret-valeur\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.fidem.lu\/fr\/pret-valeur\/#primaryimage\",\"url\":\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\",\"contentUrl\":\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.fidem.lu\/fr\/pret-valeur\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Startseite\",\"item\":\"https:\/\/www.fidem.lu\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Pr\u00eat-Valeur\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.fidem.lu\/#website\",\"url\":\"https:\/\/www.fidem.lu\/\",\"name\":\"fidem.\",\"description\":\"credit &amp; finance\",\"publisher\":{\"@id\":\"https:\/\/www.fidem.lu\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.fidem.lu\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.fidem.lu\/#organization\",\"name\":\"fidem. S.A.\",\"url\":\"https:\/\/www.fidem.lu\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.fidem.lu\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2021\/12\/og-1-1.jpg\",\"contentUrl\":\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2021\/12\/og-1-1.jpg\",\"width\":1200,\"height\":630,\"caption\":\"fidem. S.A.\"},\"image\":{\"@id\":\"https:\/\/www.fidem.lu\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.instagram.com\/fidem.lu\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Pr\u00eat-valeur, un indicateur important pour les cr\u00e9dits | fidem.","description":"Le ratio pr\u00eat-valeur est un indicateur important pour les banques lors de l'\u00e9valuation des risques li\u00e9s aux pr\u00eats immobiliers.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fidem.lu\/fr\/pret-valeur\/","og_locale":"fr_FR","og_type":"article","og_title":"Pr\u00eat-valeur, un indicateur important pour les cr\u00e9dits | fidem.","og_description":"Le ratio pr\u00eat-valeur est un indicateur important pour les banques lors de l'\u00e9valuation des risques li\u00e9s aux pr\u00eats immobiliers.","og_url":"https:\/\/www.fidem.lu\/fr\/pret-valeur\/","og_site_name":"fidem.","article_modified_time":"2023-11-26T16:18:23+00:00","og_image":[{"url":"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_misc":{"Dur\u00e9e de lecture estim\u00e9e":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.fidem.lu\/fr\/pret-valeur\/","url":"https:\/\/www.fidem.lu\/fr\/pret-valeur\/","name":"Pr\u00eat-valeur, un indicateur important pour les cr\u00e9dits | fidem.","isPartOf":{"@id":"https:\/\/www.fidem.lu\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.fidem.lu\/fr\/pret-valeur\/#primaryimage"},"image":{"@id":"https:\/\/www.fidem.lu\/fr\/pret-valeur\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png","datePublished":"2023-11-26T15:44:09+00:00","dateModified":"2023-11-26T16:18:23+00:00","description":"Le ratio pr\u00eat-valeur est un indicateur important pour les banques lors de l'\u00e9valuation des risques li\u00e9s aux pr\u00eats immobiliers.","breadcrumb":{"@id":"https:\/\/www.fidem.lu\/fr\/pret-valeur\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fidem.lu\/fr\/pret-valeur\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.fidem.lu\/fr\/pret-valeur\/#primaryimage","url":"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png","contentUrl":"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png"},{"@type":"BreadcrumbList","@id":"https:\/\/www.fidem.lu\/fr\/pret-valeur\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Startseite","item":"https:\/\/www.fidem.lu\/fr\/"},{"@type":"ListItem","position":2,"name":"Pr\u00eat-Valeur"}]},{"@type":"WebSite","@id":"https:\/\/www.fidem.lu\/#website","url":"https:\/\/www.fidem.lu\/","name":"fidem.","description":"credit &amp; finance","publisher":{"@id":"https:\/\/www.fidem.lu\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fidem.lu\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.fidem.lu\/#organization","name":"fidem. S.A.","url":"https:\/\/www.fidem.lu\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.fidem.lu\/#\/schema\/logo\/image\/","url":"https:\/\/www.fidem.lu\/wp-content\/uploads\/2021\/12\/og-1-1.jpg","contentUrl":"https:\/\/www.fidem.lu\/wp-content\/uploads\/2021\/12\/og-1-1.jpg","width":1200,"height":630,"caption":"fidem. S.A."},"image":{"@id":"https:\/\/www.fidem.lu\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.instagram.com\/fidem.lu\/"]}]}},"_links":{"self":[{"href":"https:\/\/www.fidem.lu\/fr\/wp-json\/wp\/v2\/pages\/9332","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fidem.lu\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.fidem.lu\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.fidem.lu\/fr\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fidem.lu\/fr\/wp-json\/wp\/v2\/comments?post=9332"}],"version-history":[{"count":4,"href":"https:\/\/www.fidem.lu\/fr\/wp-json\/wp\/v2\/pages\/9332\/revisions"}],"predecessor-version":[{"id":9342,"href":"https:\/\/www.fidem.lu\/fr\/wp-json\/wp\/v2\/pages\/9332\/revisions\/9342"}],"wp:attachment":[{"href":"https:\/\/www.fidem.lu\/fr\/wp-json\/wp\/v2\/media?parent=9332"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}