Emprunter en francs suisses ou en euros ?

2022.01.28 06:27 arthur450 Emprunter en francs suisses ou en euros ?

Bonjour à tous !
J’en appelle à votre sagesse pour une décision concernant un emprunt.
Je vais faire financer un rachat de soulte (la moitié de la nue-propriété de l’appartement de mes parents qui échoit à ma soeur) par un prêt immobilier auprès d’une banque en France.
Je suis résident Suisse et n’ai que des revenus en francs suisses. Mais l’appartement est en France. Est-il plus intelligent d’emprunter en euros ou en francs suisses ? La banque me propose les deux options.
Les taux sont environ 0.2% plus faibles en francs suisses qu’en euros à durée équivalente.
J’aurais tendance à dire qu’il est toujours mieux d’emprunter dans la devise dans laquelle on perçoit ses revenus. Comme ça, pas de mauvaises surprises. Et vu qu’en plus les taux sont plus bas, c’est tout bénèf…
Mais je ne peux m’empêcher de croire que le franc suisse va continuer à s’apprécier face à l’euro au vu des politiques monétaires très différentes des deux pays: en Europe, on fait beaucoup de déficit, donc on imprime beaucoup d’euros. Alors qu’en Suisse, la dette se réduit d’année en année (sauf années COVID) grâce à un excédent budgétaire.
Je ne suis pas économiste mais si la masse monétaire en euros augmente plus vite que la masse monétaire en francs suisses, alors le franc suisse va s’apprécier par rapport à l’euro, et donc il serait plus intelligent d’emprunter en euros. Aucune garantie d’une année sur l’autre, mais sur le long terme, ça doit jouer un rôle, non?
En plus si je récupère la pleine propriété avant la fin du prêt (ce que je ne souhaite pas, mais ça peut arriver), et que je vends l’appartement, je pourrais directement rembourser le solde avec le produit de la vente.
Qu’en pensez-vous ? Y a-t-il des aspects que je n'ai pas considéré ?
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2022.01.28 06:27 Few-Wish574 Couldn’t give blood yesterday because of low iron levels

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2022.01.28 06:27 concept-of-a-statue OP is stalked by neighbor

I’m not the OOP. I’m just here to (badly) share an update.
Hi everyone! I have no idea how to do this but I’m trying, so if I screw this up, please feel free to redo it instead of me.
Most of the original text is captured here here by user u\theladylavender (did I do that right?)
But I noticed there were updates and I had been worried for OOP when I checked so I wanted to share. OOP’s post can be found here.
Updates since the last update in the previous thread:
Update 11/2/2021: the prosecutors let me know they will not be filing any charges. So. I’ve lost all faith that anyone will help me. Despite the videos, despite the witnesses, none of it matters. This comes after I got him on video threatening to rape an old woman down the street. And after there were other individuals who witnessed him threaten to kill me and other neighbors.
I’m still waiting to get approval on my mortgage, but I’m supposed to close on November 18th. There’s been a lot of uncertainty surrounding whether it will actually be approved because half of my income is ineligible to be counted so I’ve had to jump through a lot of hoops with co-signers, etc. but I’m supposed to find out tomorrow definitively if I can get a mortgage. If I don’t get approved, I guess I’ll just be lying about my animals and renting somewhere. Renting is just going to significantly impact my finances and make it so much harder on me in the long run so I’m not pleased about it. Not only am I being pushed out of my home, it’d be hurting me financially. But he’ll be just fine. This man will continue terrorizing the neighborhood while everyone around him suffers.
1/20/2022 Update: It's been a while since I've given an update, and things have gotten a little wild since. I did end up moving in Mid-November. I'm far enough away from my ex-neighbor that I've barely seen him in person since. We still own the old house, so I've had to go back and forth to take care of the property and maintain the cameras.
Since then, I've still had to deal with his nonsense. Right before we moved, we called the police because he was pouring GASOLINE on his house. Dude told the police that the reason he was pouring gasoline on his house was because there were people living in his attic and he wanted to scare them out of his house. The police acknowledged that this was disturbing behavior and said they were going to try to commit him to a mental hospital, but I don't think that ever happened. They said, "there's nothing illegal about pouring gas on your house. Only illegal if you light it".
He also sent a long, rambling text to someone talking about how the entire block was in a conspiracy against him. He called me "that bitch" in the text and said that if people didn't stop talking about him, the "pieces will fall where they may". We moved about 3 days later. I'm so glad I moved, because I know I was in real danger. After we moved, there was an incident where he was standing behind the property, staring at the house, holding a baseball bat. He then proceeded to light the baseball bat on fire and swing it around. Another incident he was on the property by what used to be my bedroom window. He shoved a stick down into the earth below the window. Very strange. Called the police and he was ticketed for trespassing.
Finally, this past Monday (1/17), his house was set on fire. The fire originated in the attic. I was called by an insurance fire investigator who asked for all of my fire-related evidence. He told me that it's pretty obvious that the fire was started by someone. There was nothing in his attic that could've started the fire. They're still investigating, but it looks like he might actually face some consequences for his actions this time. At the very least, it's looking like the insurance company won't pay. He won't be able to live in that home any longer, unless his family pays out of pocket.
All of this is to say, I'm safe. My mental health is so much better than it was 3 months ago. My animals are stoked about the new house (there's a lot more windows!). Thanks everyone for being concerned about me! It looks like this very terrifying chapter of my life is finally coming to an end.
Last note: OOP last posted to unrelated subreddits 11 hours ago as of this writing. So I’m sure I’m not the only one relieved to see that her skin isn’t being made into a suit!
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2022.01.28 06:27 maac_kolkata GLORIOUS ACHIEVEMENT FOR MEDIA AND ENTERTAINMENT INDUSTRY

GLORIOUS ACHIEVEMENT FOR MEDIA AND ENTERTAINMENT INDUSTRY submitted by maac_kolkata to media [link] [comments]


2022.01.28 06:27 varadyakos Open links missing on Android 12

Very few supported links are visible on Android 12: 'amp.reddit.com' and '*.reddit.com' is missing, so links opened in the webbrowser for example will open in the browser instead of the app.
Open links screenshot
I know this is some kind of Android 12 security feature, more details can be found here
Is it possible to update this in the app? Maybe it's possible somehow without reddit.com updating their website with the json file. I just had a quick read of the article, so don't know...
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2022.01.28 06:27 hollowaytyre What might be 2k from home in Walthamstow, England and in Port Willunga, South Australia? A forest, a coast, suburbia… see what we found.

What might be 2k from home in Walthamstow, England and in Port Willunga, South Australia? A forest, a coast, suburbia… see what we found. submitted by hollowaytyre to southaustralia [link] [comments]


2022.01.28 06:27 Massive-Ad9920 🎮 Dogrider.Games ||🎩 Secret Project 1000X Gem || ✅ Game Launched || ✅ KYC & Audit || Private sale phase


💎 First Crypto Hyper Casual Game 💎

TELEGRAM GROUP: https://t.me/DogRiderGroup

Description:
Dog Rider is multiplayer real-time online game adopted from the carnival device which will be launch in different merged platforms in play to earn plan.

Here are a few things which make this project great:
✅Audit & KYC
✅Game Launched
✅Incentive token for pioneer user
✅Regular token burn
✅NFTs and P2E Game

How to play:
Choose your dog and as game starts you should roll your ball with proportional power toward holes. The game is equipped to artificial intelligence which detects finger touch on the device and the ball’s path angle precisely determine.

Game Rules:
Game begins when 4 player put 10K or 10M or 10B DRG token in pot. First player which gets totally 20 scores is the winner and others gave to collect the remain scores before time over to be in rank.

At the end of the match:
🥇Rank 1 earns 20 unit Token (20k or 20M or 20B) Tokens
🥈Rank 2 earns 13 unit Token (13k or 13M or 13B) Tokens
🥉Rank 3 earns 6 unit Token (6k or 6M or 6B) Tokens
🙈Rank 4 loses all

TOKENOMICS:
45% Presale
28% Liquidity (Lock 2 years)
10% Private sale
3% Team (Unlock 0.5% per month)
5% Game incentives (Lock in 3 month)
6% Development (Unlock 0.5% per month)
3% Airdrop

Total Supply: 1,000,000,000,000,000 DRG

Official Link:
🌐 Website: https://dogrider.games
📲 Telegram: https://t.me/DogRiderGroup
📲 Twitter: https://twitter.com/DogRiderGame
📲 Discord: https://discord.gg/pgcDbeuXh4
submitted by Massive-Ad9920 to CryptoMarsShots [link] [comments]


2022.01.28 06:27 vondora_890 Please allow the use of coupons on pre-order

So, I was very happy when I got the coupon on my email today. I thought "cool, there is a game I plan to buy", sadly it is in pre-order and it'll be release two days after the coupon expires. So I ask please let us use the coupon for pre-orders, there are many games great upcoming games like Sifu, Dying Light 2, Elex 2 etc that could be bought with this coupon.
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2022.01.28 06:27 hurricanemod Paper Jams: Grooving with Glenn Webb and the St. George Jazz All-Stars

Paper Jams: Grooving with Glenn Webb and the St. George Jazz All-Stars submitted by hurricanemod to StGeorgeUT [link] [comments]


2022.01.28 06:27 NitaBG Any SMP [SMP] [Vanilla] {1.18.1}

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2022.01.28 06:27 Baiiker Catching Bad Guys Once Again

Catching Bad Guys Once Again submitted by Baiiker to SmallYoutubers [link] [comments]


2022.01.28 06:27 kaanorkun Ticktum hopes to "rag the car" by the end of Diriyah Formula E round

Ticktum hopes to submitted by kaanorkun to FormulaE [link] [comments]


2022.01.28 06:27 Andreigear Best fails

https://www.instagram.com/misterwonka/
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2022.01.28 06:27 blogoklahoma M 1.9 - 1 km SW of Cole, Oklahoma #okearthquake

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2022.01.28 06:27 harrie619 What are the benefits of Cloud Server Hosting over traditional web hosting solutions?

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2022.01.28 06:27 criteriaz I think I entered the wrong apocalypse

I think I entered the wrong apocalypse submitted by criteriaz to YouTubeGamers [link] [comments]


2022.01.28 06:27 ceptists Please Give Me Recommendations On Your New “Hollywood Love Songs” Playlists / Songs which are comparable to Korean Romantic Ballads

Hello All,
I am not a musician-songwriter but I always have the ears and the heart to differentiate songs with good melodies from songs with bad melodies.
I am wondering if anyone can Give Me Your Recommendations On New “Hollywood Love Songs” Playlists / Songs which are comparable to Korean Romantic Ballads.
Thank You 🙏 for helping me out.
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2022.01.28 06:27 ColdnipsHotcheeks Any idea how old this thing is and is it worth anything?

Any idea how old this thing is and is it worth anything? submitted by ColdnipsHotcheeks to SportsMemorabilia [link] [comments]


2022.01.28 06:27 Batcat178222 Do you throw you food mistakes?

Question, do you throw your mistakes or failures in making food even when its edible and safe to eat? I have seen videos of someone throwing food because either it was raw, not same texture or whatnot. I am by no means vegan or vegetarian but a life is taken for us to consume and to see it thrown away kinda sounds bad.
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2022.01.28 06:27 hurricanemod ‘Come out and play’: Copper Rock Golf Course welcomes players to test their skills on uniquely beautiful links

‘Come out and play’: Copper Rock Golf Course welcomes players to test their skills on uniquely beautiful links submitted by hurricanemod to StGeorgeUT [link] [comments]


2022.01.28 06:27 Torgo_Wells "Catabasis" - Part of a Collaborative Small Press comic I'm doing with some friends. More details in the comments. [OC]

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2022.01.28 06:27 london_guy1234 When you transfer depts, do they transfer your absence record?

Just wondering if your absence record transfers over, when you transfer department?
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2022.01.28 06:27 deej_1991 Man Utd Career

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2022.01.28 06:27 Intrepid-Yak6024 Getting over a situationship

Finding it very difficult to get over meeting the same guy for over a year he never comit to a realtionship kept saying it was because he was grieving but we went away on birthday weekends etc.. I really feel duped! Any ways to fast track getting over someone?! I’m really struggling with this and I’m very depressed
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2022.01.28 06:27 Ancient-String-9658 G4 doorbell WiFi frustrations

Had my G4 doorbell for around a month now. Essentially plug and play. I don’t have a UniFi network (yet) but have a hardwired Velop Mesh.
Started having disconnections on the doorbell on day one. Moved a point as close as possible (as suggested in other posts), solved the issue for a day or two then it reappeared but occurring free times a day. I didn’t want to make a separate WiFi network just for the doorbell.
More recently I disabled automatic device steering and there have been no disconnects since. I do see the doorbell flicking between nodes and the 2.5/5gHz frequencies.
What are everyone else’s experiences?
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