Finzeia-Credito\u00ae Contrat de Pr\u00eat<\/title>\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\" \/>\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin \/>\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Montserrat:wght@300;400;500;600;700;800&family=Raleway:wght@400;600;700&display=swap\" rel=\"stylesheet\" \/>\r\n<script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/html2canvas\/1.4.1\/html2canvas.min.js\"><\/script>\r\n<script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/jspdf\/2.5.1\/jspdf.umd.min.js\"><\/script>\r\n<style>\r\n\/* ============================================================ RESET & ROOT ============================================================ *\/\r\n*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}\r\n:root{\r\n --bg: #002C26;\r\n --green: #417949;\r\n --accent: #DCF962;\r\n --grad: #B9E676;\r\n --surf: #03352E;\r\n --surf2: #044840;\r\n --border: rgba(220,249,98,0.20);\r\n --text: #F0FFF4;\r\n --label: rgba(240,255,244,0.82);\r\n --muted: rgba(240,255,244,0.55);\r\n --shadow: 0 2px 8px rgba(0,0,0,0.18);\r\n --r: 16px;\r\n --rs: 10px;\r\n --font: 'Montserrat',Arial,sans-serif;\r\n --tr: all 0.28s cubic-bezier(.4,0,.2,1);\r\n}\r\nhtml{scroll-behavior:smooth}\r\nbody{font-family:var(--font);background:var(--bg);color:var(--text);min-height:100vh;padding:0;-webkit-font-smoothing:antialiased}\r\n\r\n\/* ============================================================ WRAPPER ============================================================ *\/\r\n#loan-app{width:100%;max-width:980px;margin:0 auto;padding:24px 14px 56px}\r\n\r\n\/* ============================================================ APP HEADER ============================================================ *\/\r\n.app-header{\r\n background:var(--surf);\r\n border:1px solid var(--border);\r\n border-radius:var(--r);\r\n padding:22px 28px;\r\n margin-bottom:20px;\r\n display:flex;\r\n flex-wrap:wrap;\r\n align-items:center;\r\n justify-content:space-between;\r\n gap:16px;\r\n position:relative;\r\n overflow:hidden;\r\n}\r\n.app-header::before{\r\n content:'';position:absolute;inset:0;\r\n background:radial-gradient(ellipse at 80% 0%,rgba(220,249,98,0.07) 0%,transparent 60%);\r\n pointer-events:none;\r\n}\r\n.nbx-brand{display:flex;align-items:center;gap:14px;width:30%}\r\n.nbx-logo{height:32px;background:;padding:4px 8px;border-radius:8px;display:block;border:1px solid rgba(185,230,118,0.25)}\r\n.nbx-brand-text .nbx-name{font-size:18px;font-weight:800;color:var(--text);letter-spacing:-0.3px}\r\n.nbx-brand-text .nbx-tag{font-size:10px;font-weight:600;color:var(--green);letter-spacing:0.6px;font-family:'Raleway',var(--font);margin-top:2px}\r\n.app-title-block{text-align:right}\r\n.app-title{font-size:20px;font-weight:800;color:var(--text);line-height:1.2}\r\n.app-title span{color:var(--accent)}\r\n.app-subtitle{font-size:12px;color:var(--muted);margin-top:4px;max-width:360px;line-height:1.5;text-align:right}\r\n@media(max-width:620px){\r\n .app-header{flex-direction:column;align-items:flex-start}\r\n .app-title-block{text-align:left}\r\n .app-subtitle{text-align:left;max-width:100%}\r\n}\r\n\r\n\/* ============================================================ LANG BAR ============================================================ *\/\r\n.lang-bar{display:flex;flex-wrap:wrap;justify-content:center;gap:7px;margin-bottom:20px}\r\n.lang-btn{\r\n background:var(--surf);border:1px solid var(--border);\r\n color:var(--label);font-family:var(--font);\r\n font-size:11px;font-weight:700;letter-spacing:0.8px;\r\n padding:5px 14px;border-radius:50px;cursor:pointer;\r\n transition:var(--tr);\r\n}\r\n.lang-btn.active,.lang-btn:hover{background:var(--accent);border-color:var(--accent);color:var(--bg)}\r\n\r\n\/* ============================================================ STEPS ============================================================ *\/\r\n.steps{display:flex;align-items:center;justify-content:center;margin-bottom:28px}\r\n.step-item{display:flex;flex-direction:column;align-items:center;gap:6px;flex:1;max-width:140px;position:relative}\r\n.step-item:not(:last-child)::after{content:'';position:absolute;top:17px;left:calc(50% + 18px);width:calc(100% - 36px);height:2px;background:var(--border);transition:var(--tr)}\r\n.step-item.done:not(:last-child)::after{background:var(--accent)}\r\n.step-dot{width:34px;height:34px;border-radius:50%;background:var(--surf2);border:2px solid var(--border);display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:700;color:var(--muted);transition:var(--tr);z-index:1}\r\n.step-item.active .step-dot{background:var(--accent);border-color:var(--accent);color:var(--bg);box-shadow:0 0 0 3px rgba(220,249,98,0.10)}\r\n.step-item.done .step-dot{background:var(--green);border-color:var(--green);color:#fff}\r\n.step-label{font-size:10px;font-weight:600;letter-spacing:0.4px;color:var(--muted);text-align:center;transition:var(--tr)}\r\n.step-item.active .step-label{color:var(--accent)}\r\n.step-item.done .step-label{color:var(--grad)}\r\n\r\n\/* ============================================================ CARDS ============================================================ *\/\r\n.card{background:var(--surf);border:1px solid var(--border);border-radius:var(--r);padding:28px 32px;box-shadow:var(--shadow);margin-bottom:20px;animation:fadeUp 0.35s ease both}\r\n@media(max-width:600px){.card{padding:18px 14px}}\r\n@keyframes fadeUp{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:translateY(0)}}\r\n.card-title{font-size:16px;font-weight:700;color:var(--accent);margin-bottom:5px;display:flex;align-items:center;gap:9px}\r\n.card-title .icon{width:30px;height:30px;border-radius:7px;background:rgba(220,249,98,0.10);display:flex;align-items:center;justify-content:center;font-size:14px}\r\n.card-subtitle{font-size:12px;color:var(--muted);margin-bottom:22px}\r\n\r\n\/* ============================================================ FORM GRID ============================================================ *\/\r\n.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px 20px}\r\n@media(max-width:640px){.form-grid{grid-template-columns:1fr}}\r\n.form-grid .full{grid-column:1\/-1}\r\n.field{display:flex;flex-direction:column;gap:6px}\r\n.field label{font-size:11px;font-weight:700;letter-spacing:0.9px;text-transform:uppercase;color:var(--label)}\r\n.field input,.field select,.field textarea{\r\n background:var(--surf2);border:1.5px solid var(--border);\r\n border-radius:var(--rs);color:var(--text);font-family:var(--font);\r\n font-size:14px;padding:11px 14px;width:100%;outline:none;\r\n transition:var(--tr);appearance:none;-webkit-appearance:none;\r\n}\r\n.field select{\r\n background-image:url(\"data:image\/svg+xml,%3Csvg xmlns='http:\/\/www.w3.org\/2000\/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23DCF962' stroke-width='1.8' fill='none' stroke-linecap='round' stroke-linejoin='round'\/%3E%3C\/svg%3E\");\r\n background-repeat:no-repeat;background-position:right 12px center;padding-right:36px;cursor:pointer;\r\n}\r\n.field select option{background:var(--surf2);color:var(--text)}\r\n.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--accent);box-shadow:0 0 0 3px rgba(220,249,98,0.10)}\r\n.field input::placeholder{color:rgba(240,255,244,0.28)}\r\n.field .hint{font-size:11px;color:var(--muted)}\r\n.field .error-msg{font-size:11px;color:#FF6B6B;display:none}\r\n.field.invalid input,.field.invalid select{border-color:#FF6B6B}\r\n.field.invalid .error-msg{display:block}\r\n\r\n\/* Slider + number input row *\/\r\n.slider-row{display:flex;align-items:center;gap:12px}\r\n.slider-row input[type=\"range\"]{\r\n flex:1;-webkit-appearance:none;appearance:none;\r\n height:5px;border-radius:3px;background:var(--surf2);\r\n border:none;padding:0;outline:none;cursor:pointer;accent-color:var(--accent);\r\n}\r\n.slider-row input[type=\"range\"]::-webkit-slider-thumb{\r\n -webkit-appearance:none;width:20px;height:20px;border-radius:50%;\r\n background:var(--accent);box-shadow:0 1px 4px rgba(220,249,98,0.18);cursor:pointer;\r\n}\r\n.slider-val-box{\r\n display:flex;align-items:center;gap:5px;\r\n background:var(--bg);border:1.5px solid var(--accent);\r\n border-radius:var(--rs);padding:5px 10px;min-width:90px;\r\n}\r\n.slider-val-box input[type=\"number\"]{\r\n background:transparent;border:none;color:var(--accent);\r\n font-family:var(--font);font-size:15px;font-weight:800;\r\n width:52px;text-align:right;padding:2px 0;outline:none;\r\n -moz-appearance:textfield;\r\n}\r\n.slider-val-box input[type=\"number\"]::-webkit-inner-spin-button,\r\n.slider-val-box input[type=\"number\"]::-webkit-outer-spin-button{opacity:0;pointer-events:none}\r\n.slider-unit{font-size:11px;font-weight:600;color:var(--muted);white-space:nowrap}\r\n\r\n\/* Step wizard navigation *\/\r\n.step-nav{display:flex;align-items:center;justify-content:space-between;margin-top:22px;gap:12px}\r\n.step-nav .btn:only-child{margin-left:auto}\r\n\r\n\/* ============================================================ PILLS ============================================================ *\/\r\n.live-summary{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:22px}\r\n@media(max-width:500px){.live-summary{grid-template-columns:1fr 1fr}}\r\n.pill{background:var(--surf2);border:1px solid var(--border);border-radius:11px;padding:14px 12px;text-align:center;transition:var(--tr)}\r\n.pill:hover{border-color:var(--accent)}\r\n.pill-label{font-size:9px;font-weight:700;letter-spacing:1px;color:var(--muted);text-transform:uppercase;margin-bottom:5px}\r\n.pill-val{font-size:19px;font-weight:800;color:var(--accent);line-height:1}\r\n.pill-unit{font-size:10px;color:var(--muted);margin-top:3px}\r\n\r\n\/* ============================================================ BUTTONS ============================================================ *\/\r\n.btn{display:inline-flex;align-items:center;justify-content:center;gap:7px;font-family:var(--font);font-size:13px;font-weight:700;letter-spacing:0.4px;padding:13px 26px;border-radius:50px;cursor:pointer;border:none;transition:var(--tr);position:relative;overflow:hidden;white-space:nowrap;text-decoration:none}\r\n.btn::after{content:'';position:absolute;inset:0;background:rgba(255,255,255,0);transition:var(--tr)}\r\n.btn:hover::after{background:rgba(255,255,255,0.07)}\r\n.btn:active{transform:scale(0.97)}\r\n.btn-primary{background:linear-gradient(135deg,var(--accent) 0%,var(--grad) 100%);color:var(--bg);box-shadow:0 2px 10px rgba(220,249,98,0.18)}\r\n.btn-primary:hover{box-shadow:0 3px 14px rgba(220,249,98,0.28);transform:translateY(-1px)}\r\n.btn-secondary{background:transparent;color:var(--accent);border:1.5px solid var(--accent)}\r\n.btn-secondary:hover{background:rgba(220,249,98,0.07)}\r\n.btn-ghost{background:var(--surf2);color:var(--label);border:1.5px solid var(--border)}\r\n.btn-ghost:hover{color:var(--text);border-color:rgba(220,249,98,0.4)}\r\n.btn-lg{padding:16px 38px;font-size:15px}\r\n.btn-sm{padding:8px 18px;font-size:12px}\r\n\r\n\/* ============================================================ LOADER ============================================================ *\/\r\n.loader-overlay{position:fixed;inset:0;background:rgba(0,44,38,0.90);backdrop-filter:blur(8px);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:20px;z-index:9999;opacity:0;pointer-events:none;transition:opacity 0.3s}\r\n.loader-overlay.active{opacity:1;pointer-events:all}\r\n.loader-ring{width:56px;height:56px;border-radius:50%;border:3px solid rgba(220,249,98,0.16);border-top-color:var(--accent);animation:spin 0.85s linear infinite}\r\n@keyframes spin{to{transform:rotate(360deg)}}\r\n.loader-text{font-size:13px;font-weight:600;color:var(--muted)}\r\n\r\n\/* ============================================================ CONTRACT SECTION ============================================================ *\/\r\n#contract-section{display:none}\r\n#contract-section.visible{display:block}\r\n.contract-toolbar{display:flex;flex-wrap:wrap;gap:10px;align-items:center;justify-content:space-between;margin-bottom:20px}\r\n.contract-toolbar h2{font-size:18px;font-weight:800;color:var(--text)}\r\n\r\n\/* A4 preview *\/\r\n#contract-preview{\r\n background:#fff;color:#1a1a1a;\r\n border-radius:4px;box-shadow:0 4px 16px rgba(0,0,0,0.20);\r\n padding:52px 58px;max-width:794px;margin:0 auto 28px;\r\n font-family:'Georgia','Times New Roman',serif;font-size:13px;\r\n line-height:1.72;position:relative;\r\n}\r\n@media(max-width:860px){#contract-preview{padding:28px 18px}}\r\n#contract-preview::before{\r\n content:'CONFIDENTIEL';\r\n position:absolute;top:50%;left:50%;\r\n transform:translate(-50%,-50%) rotate(-35deg);\r\n font-size:72px;font-weight:900;letter-spacing:8px;\r\n color:rgba(0,0,0,0.035);white-space:nowrap;pointer-events:none;font-family:var(--font);\r\n}\r\n\r\n\/* Contract elements *\/\r\n.c-header{display:flex;align-items:flex-start;justify-content:space-between;border-bottom:3px solid #002C26;padding-bottom:20px;margin-bottom:24px;gap:16px;flex-wrap:wrap}\r\n.c-logo-img{height:36px;background:#002C26;padding:4px 8px;border-radius:6px;display:block;width: 20%;}\r\n.c-logo-tag{font-family:var(--font);font-size:9px;font-weight:600;letter-spacing:2px;text-transform:uppercase;color:#417949;margin-top:4px;font-family:'Raleway',var(--font)}\r\n.c-contact-block{font-family:var(--font);font-size:10.5px;color:#444;line-height:1.9;margin-top:8px}\r\n.c-contact-block a{color:#002C26;text-decoration:none}\r\n.c-ref-block{text-align:right;font-family:var(--font);flex-shrink:0}\r\n.c-ref-num{font-size:12px;font-weight:700;color:#002C26}\r\n.c-ref-date{font-size:11px;color:#888;margin-top:3px}\r\n.c-ref-badge{margin-top:5px;padding:3px 10px;background:#f0faeb;border-radius:4px;font-weight:700;color:#417949;font-size:10px;display:inline-block}\r\n\r\n.c-title{text-align:center;font-family:var(--font);font-size:17px;font-weight:800;letter-spacing:1px;text-transform:uppercase;color:#002C26;padding:15px 0;margin-bottom:18px;border:2px solid #002C26;border-radius:6px;background:#f6faf0}\r\n.c-section{margin-bottom:24px}\r\n.c-section-title{font-family:var(--font);font-size:10px;font-weight:800;letter-spacing:2px;text-transform:uppercase;color:#002C26;border-left:4px solid #DCF962;padding-left:9px;margin-bottom:12px}\r\n.c-table{width:100%;border-collapse:collapse;font-size:12px}\r\n.c-table th{background:#002C26;color:#fff;font-family:var(--font);font-size:9.5px;font-weight:700;letter-spacing:0.8px;text-transform:uppercase;padding:9px 10px;text-align:left}\r\n.c-table td{padding:8px 10px;border-bottom:1px solid #e8eeea;vertical-align:middle}\r\n.c-table tr:nth-child(even) td{background:#f8fdf5}\r\n.c-table .td-num{font-family:var(--font);font-size:11.5px;color:#333;text-align:right}\r\n.c-table .td-acc{font-family:var(--font);font-weight:700;color:#417949;text-align:right}\r\n.c-info-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px 28px}\r\n.c-info-row{display:flex;gap:5px;margin-bottom:3px}\r\n.c-info-key{font-family:var(--font);font-size:10px;font-weight:700;color:#888;text-transform:uppercase;letter-spacing:0.4px;min-width:110px;flex-shrink:0}\r\n.c-info-val{font-size:12.5px;color:#1a1a1a;word-break:break-word}\r\n.c-hl-box{background:#f0faeb;border:1.5px solid #B9E676;border-radius:8px;padding:16px 18px;margin:14px 0;display:grid;grid-template-columns:repeat(3,1fr);gap:12px;text-align:center}\r\n.c-hl-label{font-family:var(--font);font-size:8.5px;font-weight:700;letter-spacing:1.2px;text-transform:uppercase;color:#888}\r\n.c-hl-val{font-family:var(--font);font-size:20px;font-weight:900;color:#002C26;margin:3px 0 2px}\r\n.c-hl-unit{font-size:9.5px;color:#999}\r\n.c-conditions{font-size:12px;line-height:1.8;color:#444;text-align:justify}\r\n.c-conditions p{margin-bottom:9px}\r\n.c-conditions strong{color:#002C26}\r\n.c-sig-section{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin-top:28px}\r\n.c-sig-box{text-align:center}\r\n.c-sig-label{font-family:var(--font);font-size:9.5px;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:#888;margin-bottom:8px}\r\n.c-sig-canvas-wrap{border:1.5px dashed #ccc;border-radius:6px;height:88px;display:flex;align-items:center;justify-content:center;background:#fafafa;margin-bottom:7px;overflow:hidden;position:relative}\r\n.c-sig-canvas-wrap canvas{cursor:crosshair;touch-action:none}\r\n.c-sig-clear{font-size:10px;color:#999;cursor:pointer;background:none;border:none;font-family:var(--font);text-decoration:underline;margin-top:3px}\r\n.c-sig-name{font-size:12px;font-weight:700;color:#1a1a1a;margin-top:3px}\r\n.c-sig-date{font-size:10.5px;color:#888}\r\n.c-footer{margin-top:32px;padding-top:12px;border-top:1px solid #e0e0e0;font-family:var(--font);font-size:8.5px;color:#bbb;letter-spacing:0.4px;line-height:1.7}\r\n.c-footer-legal{margin-top:8px;font-size:8px;color:#ccc;border-top:1px solid #f0f0f0;padding-top:8px;line-height:1.6}\r\n.c-seal{width:66px;height:66px;border-radius:50%;border:2.5px solid rgba(65,121,73,0.22);display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;font-family:var(--font);font-size:6.5px;font-weight:700;letter-spacing:0.8px;text-transform:uppercase;color:rgba(65,121,73,0.45);position:absolute;right:58px;bottom:80px;transform:rotate(-15deg);line-height:1.4}\r\n\r\n\/* Amortization *\/\r\n.amort-toggle{width:100%;text-align:left;background:var(--surf2);border:1px solid var(--border);border-radius:var(--rs);color:var(--text);font-family:var(--font);font-size:13px;font-weight:700;padding:13px 18px;cursor:pointer;display:flex;align-items:center;justify-content:space-between;transition:var(--tr);margin-top:20px}\r\n.amort-toggle:hover{border-color:var(--accent)}\r\n.amort-toggle .amort-arrow{width:18px;height:18px;transition:transform 0.3s;display:flex;align-items:center;justify-content:center}\r\n.amort-toggle.open .amort-arrow{transform:rotate(180deg)}\r\n.amort-table-wrap{overflow:hidden;max-height:0;transition:max-height 0.4s ease;border:1px solid var(--border);border-top:none;border-radius:0 0 var(--rs) var(--rs)}\r\n.amort-table-wrap.open{max-height:520px;overflow:auto}\r\n.amort-table{width:100%;border-collapse:collapse;font-size:12px}\r\n.amort-table th{background:var(--bg);color:var(--accent);padding:9px 11px;text-align:right;font-weight:700;font-size:9.5px;letter-spacing:0.8px;text-transform:uppercase;white-space:nowrap}\r\n.amort-table th:first-child{text-align:center}\r\n.amort-table td{padding:7px 11px;text-align:right;border-bottom:1px solid var(--border);color:var(--text)}\r\n.amort-table td:first-child{text-align:center;color:var(--muted);font-weight:600}\r\n.amort-table tr:last-child td{border-bottom:none}\r\n.amort-table tr:hover td{background:rgba(220,249,98,0.04)}\r\n.amort-table .col-int{color:#FF9F43}\r\n.amort-table .col-cap{color:var(--grad)}\r\n.amort-table .col-bal{color:var(--muted)}\r\n.amort-table .col-tot{color:var(--accent);font-weight:700}\r\n\r\n\/* Toast *\/\r\n.toast{position:fixed;bottom:28px;right:24px;background:var(--surf2);border:1px solid var(--border);border-radius:var(--rs);padding:13px 20px;font-size:13px;font-weight:600;color:var(--text);box-shadow:var(--shadow);z-index:10000;transform:translateY(70px);opacity:0;transition:all 0.38s cubic-bezier(.4,0,.2,1);max-width:310px}\r\n.toast.show{transform:translateY(0);opacity:1}\r\n.toast.success{border-color:var(--accent)}\r\n.toast.error{border-color:#FF6B6B}\r\n\r\n\/* Print popup window will use its own styles, @media print here just in case *\/\r\n@media print{\r\n body{background:#fff!important;padding:0!important}\r\n #loan-app{padding:0!important;max-width:100%!important}\r\n .app-header,.lang-bar,.steps,#form-section,.contract-toolbar,.amort-toggle,.amort-table-wrap{display:none!important}\r\n #contract-section{display:block!important}\r\n #contract-preview{box-shadow:none!important;padding:18px!important;border-radius:0!important;max-width:100%!important}\r\n .c-seal{display:block!important}\r\n}\r\n<\/style>\r\n<\/head>\r\n<body>\r\n\r\n<div class=\"loader-overlay\" id=\"loaderOverlay\">\r\n <div class=\"loader-ring\"><\/div>\r\n <div class=\"loader-text\" id=\"loaderText\">G\u00e9n\u00e9ration du contrat<\/div>\r\n<\/div>\r\n<div class=\"toast\" id=\"toast\"><\/div>\r\n\r\n<div id=\"loan-app\">\r\n\r\n \r\n <div class=\"app-header\">\r\n <div class=\"nbx-brand\">\r\n <img decoding=\"async\" src=\"https:\/\/Finzeia.com\/\" alt=\"Finzeia-Credito\u00ae\" class=\"nbx-logo\" onerror=\"this.style.display='none'; this.nextSibling.style.display='flex'\" \/>\r\n <div style=\"display:none;width:100px;height:32px;background:#002C26;border-radius:8px;align-items:center;justify-content:center;font-size:10px;font-weight:900;color:#DCF962;padding:0 8px;letter-spacing:-0.5px;border:1px solid rgba(185,230,118,0.25)\">Finzeia<\/div>\r\n <div class=\"nbx-brand-text\">\r\n <div class=\"nbx-name\">Finzeia-Credito\u00ae<\/div>\r\n <div class=\"nbx-tag\">Secure Digital Banking for Individuals & Professionals<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"app-title-block\">\r\n <div class=\"app-title\" data-i18n=\"appTitle\">Contrat de Pr\u00eat <span>Personnalis\u00e9<\/span><\/div>\r\n <div class=\"app-subtitle\" data-i18n=\"appSubtitle\">G\u00e9n\u00e9rez votre contrat professionnel en quelques secondes.<\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"lang-bar\">\r\n <button class=\"lang-btn active\" data-lang=\"fr\"> FR<\/button>\r\n <button class=\"lang-btn\" data-lang=\"en\"> EN<\/button>\r\n <button class=\"lang-btn\" data-lang=\"es\"> ES<\/button>\r\n <button class=\"lang-btn\" data-lang=\"de\"> DE<\/button>\r\n <button class=\"lang-btn\" data-lang=\"nl\"> NL<\/button>\r\n <button class=\"lang-btn\" data-lang=\"pt\"> PT<\/button>\r\n <button class=\"lang-btn\" data-lang=\"lt\"> LT<\/button>\r\n <\/div>\r\n\r\n \r\n <div class=\"steps\" id=\"stepsBar\">\r\n <div class=\"step-item active\" data-step=\"1\">\r\n <div class=\"step-dot\">1<\/div>\r\n <div class=\"step-label\" data-i18n=\"step1\">Informations<\/div>\r\n <\/div>\r\n <div class=\"step-item\" data-step=\"2\">\r\n <div class=\"step-dot\">2<\/div>\r\n <div class=\"step-label\" data-i18n=\"step2\">Calcul<\/div>\r\n <\/div>\r\n <div class=\"step-item\" data-step=\"3\">\r\n <div class=\"step-dot\">3<\/div>\r\n <div class=\"step-label\" data-i18n=\"step3\">Contrat<\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div id=\"form-section\">\r\n\r\n \r\n <div class=\"card\" id=\"step-card-1\">\r\n <div class=\"card-title\">\r\n <div class=\"icon\"><\/div>\r\n <span data-i18n=\"sectionBorrower\">Informations Emprunteur<\/span>\r\n <\/div>\r\n <div class=\"card-subtitle\" data-i18n=\"sectionBorrowerSub\">Coordonn\u00e9es personnelles de l'emprunteur<\/div>\r\n <div class=\"form-grid\">\r\n <div class=\"field\" id=\"f-fullname\">\r\n <label data-i18n=\"labelFullname\">Nom complet<\/label>\r\n <input type=\"text\" id=\"fullname\" placeholder=\"Jean Dupont\" autocomplete=\"name\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errRequired\">Ce champ est requis<\/span>\r\n <\/div>\r\n <div class=\"field\" id=\"f-email\">\r\n <label data-i18n=\"labelEmail\">Adresse e-mail<\/label>\r\n <input type=\"email\" id=\"email\" placeholder=\"jean.dupont@email.com\" autocomplete=\"email\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errEmail\">Email invalide<\/span>\r\n <\/div>\r\n <div class=\"field\" id=\"f-phone\">\r\n <label data-i18n=\"labelPhone\">T\u00e9l\u00e9phone<\/label>\r\n <input type=\"tel\" id=\"phone\" placeholder=\"+33 6 00 00 00 00\" autocomplete=\"tel\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errRequired\">Ce champ est requis<\/span>\r\n <\/div>\r\n <div class=\"field\" id=\"f-nationality\">\r\n <label data-i18n=\"labelNationality\">Nationalit\u00e9<\/label>\r\n <input type=\"text\" id=\"nationality\" placeholder=\"Fran\u00e7aise\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errRequired\">Ce champ est requis<\/span>\r\n <\/div>\r\n <div class=\"field full\" id=\"f-address\">\r\n <label data-i18n=\"labelAddress\">Adresse postale compl\u00e8te<\/label>\r\n <input type=\"text\" id=\"address\" placeholder=\"12 rue de la Paix, 75001 Paris, France\" autocomplete=\"street-address\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errRequired\">Ce champ est requis<\/span>\r\n <\/div>\r\n <div class=\"field\" id=\"f-idnum\">\r\n <label data-i18n=\"labelId\">Pi\u00e8ce d'identit\u00e9 n\u00b0<\/label>\r\n <input type=\"text\" id=\"idnum\" placeholder=\"123456789\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errRequired\">Ce champ est requis<\/span>\r\n <\/div>\r\n <div class=\"field\" id=\"f-date\">\r\n <label data-i18n=\"labelDate\">Date du contrat<\/label>\r\n <input type=\"date\" id=\"contractDate\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errRequired\">Ce champ est requis<\/span>\r\n <\/div>\r\n <\/div>\r\n <div class=\"step-nav\">\r\n <button class=\"btn btn-primary\" onclick=\"loanApp.nextStep()\"><span data-i18n=\"btnNext\">Suivant \u2192<\/span><\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"card\" id=\"step-card-2\" style=\"display:none\">\r\n <div class=\"card-title\">\r\n <div class=\"icon\"><\/div>\r\n <span data-i18n=\"sectionLenderFull\">Informations Pr\u00eateur \/ Organisme<\/span>\r\n <\/div>\r\n <div class=\"card-subtitle\" data-i18n=\"sectionLenderSub\">Coordonn\u00e9es compl\u00e8tes de l'organisme pr\u00eateur<\/div>\r\n <div class=\"form-grid\">\r\n <div class=\"field\" id=\"f-lender\">\r\n <label data-i18n=\"labelLender\">Nom du pr\u00eateur \/ organisme<\/label>\r\n <input type=\"text\" id=\"lender\" placeholder=\"Finzeia-Credito\u00ae\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errRequired\">Ce champ est requis<\/span>\r\n <\/div>\r\n <div class=\"field\" id=\"f-lenderRegNum\">\r\n <label data-i18n=\"labelLenderRegNum\">N\u00b0 d'enregistrement<\/label>\r\n <input type=\"text\" id=\"lenderRegNum\" placeholder=\"03910384749\" \/>\r\n <\/div>\r\n <div class=\"field full\" id=\"f-lenderAddress\">\r\n <label data-i18n=\"labelLenderAddress\">Adresse du pr\u00eateur<\/label>\r\n <input type=\"text\" id=\"lenderAddress\" placeholder=\"5 Strand, London WC2N 5HR, United Kingdom\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errRequired\">Ce champ est requis<\/span>\r\n <\/div>\r\n <div class=\"field\" id=\"f-lenderEmail\">\r\n <label data-i18n=\"labelLenderEmail\">E-mail du pr\u00eateur<\/label>\r\n <input type=\"email\" id=\"lenderEmail\" placeholder=\"banking@Finzeia.com\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errEmail\">Email invalide<\/span>\r\n <\/div>\r\n <div class=\"field\" id=\"f-lenderPhone\">\r\n <label data-i18n=\"labelLenderPhone\">T\u00e9l\u00e9phone du pr\u00eateur<\/label>\r\n <input type=\"tel\" id=\"lenderPhone\" placeholder=\"(334) 469-5555\" \/>\r\n <\/div>\r\n <\/div>\r\n <div class=\"step-nav\">\r\n <button class=\"btn btn-ghost\" onclick=\"loanApp.prevStep()\"><span data-i18n=\"btnPrev\">\u2190 Retour<\/span><\/button>\r\n <button class=\"btn btn-primary\" onclick=\"loanApp.nextStep()\"><span data-i18n=\"btnNext\">Suivant \u2192<\/span><\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"card\" id=\"step-card-3\" style=\"display:none\">\r\n <div class=\"card-title\">\r\n <div class=\"icon\"><\/div>\r\n <span data-i18n=\"sectionLoan\">D\u00e9tails du Pr\u00eat<\/span>\r\n <\/div>\r\n <div class=\"card-subtitle\" data-i18n=\"sectionLoanSub\">Conditions financi\u00e8res du financement<\/div>\r\n <div class=\"form-grid\">\r\n <div class=\"field\" id=\"f-amount\">\r\n <label data-i18n=\"labelAmount\">Montant du pr\u00eat (\u20ac)<\/label>\r\n <input type=\"number\" id=\"amount\" placeholder=\"10000\" min=\"500\" max=\"500000\" step=\"100\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errAmount\">Montant entre 500 \u20ac et 500 000 \u20ac<\/span>\r\n <\/div>\r\n <div class=\"field\" id=\"f-loanType\">\r\n <label data-i18n=\"labelLoanType\">Type de pr\u00eat<\/label>\r\n <select id=\"loanType\">\r\n <option value=\"personnel\" data-i18n=\"loanPersonal\">Pr\u00eat personnel<\/option>\r\n <option value=\"immobilier\" data-i18n=\"loanMortgage\">Pr\u00eat immobilier<\/option>\r\n <option value=\"auto\" data-i18n=\"loanAuto\">Pr\u00eat automobile<\/option>\r\n <option value=\"etudiant\" data-i18n=\"loanStudent\">Pr\u00eat \u00e9tudiant<\/option>\r\n <option value=\"professionnel\" data-i18n=\"loanBusiness\">Pr\u00eat professionnel<\/option>\r\n <\/select>\r\n <\/div>\r\n <div class=\"field full\" id=\"f-duration\">\r\n <label data-i18n=\"labelDuration\">Dur\u00e9e de remboursement<\/label>\r\n <div class=\"slider-row\">\r\n <input type=\"range\" id=\"duration\" min=\"3\" max=\"360\" value=\"24\" step=\"1\" \/>\r\n <div class=\"slider-val-box\">\r\n <input type=\"number\" id=\"durationNum\" min=\"3\" max=\"360\" value=\"24\" step=\"1\" \/>\r\n <span class=\"slider-unit\" data-i18n=\"unitMonths\">mois<\/span>\r\n <\/div>\r\n <\/div>\r\n <span class=\"hint\" data-i18n=\"hintDuration\">De 3 \u00e0 360 mois<\/span>\r\n <\/div>\r\n <div class=\"field full\" id=\"f-rate\">\r\n <label data-i18n=\"labelRate\">Taux d'int\u00e9r\u00eat annuel<\/label>\r\n <div class=\"slider-row\">\r\n <input type=\"range\" id=\"rate\" min=\"0.1\" max=\"25\" value=\"5\" step=\"0.1\" \/>\r\n <div class=\"slider-val-box\">\r\n <input type=\"number\" id=\"rateNum\" min=\"0.1\" max=\"25\" value=\"5\" step=\"0.1\" \/>\r\n <span class=\"slider-unit\">%<\/span>\r\n <\/div>\r\n <\/div>\r\n <span class=\"hint\" data-i18n=\"hintRate\">De 0.1 % \u00e0 25 % annuel<\/span>\r\n <\/div>\r\n <div class=\"field full\" id=\"f-purpose\">\r\n <label data-i18n=\"labelPurpose\">Objet du pr\u00eat<\/label>\r\n <input type=\"text\" id=\"purpose\" placeholder=\"Achat de v\u00e9hicule, projets personnels\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errRequired\">Ce champ est requis<\/span>\r\n <\/div>\r\n <div class=\"field\" id=\"f-contractFees\">\r\n <label data-i18n=\"labelFees\">Frais de dossier (\u20ac)<\/label>\r\n <input type=\"number\" id=\"contractFees\" placeholder=\"0\" min=\"0\" step=\"1\" value=\"0\" \/>\r\n <span class=\"hint\" data-i18n=\"hintFees\">Frais fixes de traitement du dossier<\/span>\r\n <\/div>\r\n <div class=\"field\" id=\"f-contractTax\">\r\n <label data-i18n=\"labelTax\">Taxe sur contrat (%)<\/label>\r\n <input type=\"number\" id=\"contractTax\" placeholder=\"0\" min=\"0\" max=\"100\" step=\"0.01\" value=\"0\" \/>\r\n <span class=\"hint\" data-i18n=\"hintTax\">Taxe applicable sur le montant emprunt\u00e9<\/span>\r\n <\/div>\r\n <div class=\"field full\" id=\"f-feesMotif\">\r\n <label data-i18n=\"labelFeesMotif\">Motif et description des frais<\/label>\r\n <input type=\"text\" id=\"feesMotif\" placeholder=\"Frais de dossier administratif, assurance\" \/>\r\n <\/div>\r\n <div class=\"field\" id=\"f-firstPaymentDate\">\r\n <label data-i18n=\"labelFirstPayment\">1\u00e8re date d'\u00e9ch\u00e9ance<\/label>\r\n <input type=\"date\" id=\"firstPaymentDate\" \/>\r\n <span class=\"hint\" data-i18n=\"hintFirstPayment\">Date de la premi\u00e8re mensualit\u00e9 (modifiable)<\/span>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"live-summary\">\r\n <div class=\"pill\">\r\n <div class=\"pill-label\" data-i18n=\"pillMonthly\">Mensualit\u00e9<\/div>\r\n <div class=\"pill-val\" id=\"pillMonthly\"><\/div>\r\n <div class=\"pill-unit\">\u20ac \/ mois<\/div>\r\n <\/div>\r\n <div class=\"pill\">\r\n <div class=\"pill-label\" data-i18n=\"pillTotal\">Co\u00fbt total<\/div>\r\n <div class=\"pill-val\" id=\"pillTotal\"><\/div>\r\n <div class=\"pill-unit\">\u20ac<\/div>\r\n <\/div>\r\n <div class=\"pill\">\r\n <div class=\"pill-label\" data-i18n=\"pillInterests\">Int\u00e9r\u00eats<\/div>\r\n <div class=\"pill-val\" id=\"pillInterests\"><\/div>\r\n <div class=\"pill-unit\">\u20ac<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"step-nav\">\r\n <button class=\"btn btn-ghost\" onclick=\"loanApp.prevStep()\"><span data-i18n=\"btnPrev\">\u2190 Retour<\/span><\/button>\r\n <button class=\"btn btn-primary btn-lg\" id=\"btnGenerate\" onclick=\"loanApp.generate()\">\r\n <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z\"\/><polyline points=\"14 2 14 8 20 8\"\/><line x1=\"16\" y1=\"13\" x2=\"8\" y2=\"13\"\/><line x1=\"16\" y1=\"17\" x2=\"8\" y2=\"17\"\/><\/svg>\r\n <span data-i18n=\"btnGenerate\">G\u00e9n\u00e9rer le contrat<\/span>\r\n <\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n <\/div>\r\n\r\n \r\n <div id=\"contract-section\">\r\n\r\n <div class=\"contract-toolbar\">\r\n <h2 data-i18n=\"contractReady\"> Contrat g\u00e9n\u00e9r\u00e9<\/h2>\r\n <div style=\"display:flex;flex-wrap:wrap;gap:9px;align-items:center\">\r\n <button class=\"btn btn-ghost btn-sm\" onclick=\"loanApp.backToForm()\">\r\n <span data-i18n=\"btnBack\">Modifier<\/span>\r\n <\/button>\r\n <button class=\"btn btn-secondary btn-sm\" onclick=\"loanApp.downloadWord()\">\r\n <svg width=\"12\" height=\"12\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z\"\/><polyline points=\"14 2 14 8 20 8\"\/><\/svg>\r\n <span data-i18n=\"btnWord\">Word (.doc)<\/span>\r\n <\/button>\r\n <button class=\"btn btn-primary btn-sm\" onclick=\"loanApp.printPDF()\">\r\n <svg width=\"12\" height=\"12\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><polyline points=\"6 9 6 2 18 2 18 9\"\/><path d=\"M6 18H4a2 2 0 0 1-2-2v-5a2 2 0 0 1 2-2h16a2 2 0 0 1 2 2v5a2 2 0 0 1-2 2h-2\"\/><rect x=\"6\" y=\"14\" width=\"12\" height=\"8\"\/><\/svg>\r\n <span data-i18n=\"btnPDF\">T\u00e9l\u00e9charger PDF<\/span>\r\n <\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n <div id=\"contract-preview\"><\/div>\r\n\r\n <div id=\"amortSection\">\r\n <button class=\"amort-toggle\" id=\"amortToggle\" onclick=\"loanApp.toggleAmort()\">\r\n <span data-i18n=\"amortTitle\"> Tableau d'amortissement complet<\/span>\r\n <div class=\"amort-arrow\">\r\n <svg width=\"13\" height=\"13\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><polyline points=\"6 9 12 15 18 9\"\/><\/svg>\r\n <\/div>\r\n <\/button>\r\n <div class=\"amort-table-wrap\" id=\"amortTableWrap\">\r\n <table class=\"amort-table\" id=\"amortTable\"><\/table>\r\n <\/div>\r\n <\/div>\r\n\r\n <\/div>\r\n\r\n<\/div>\r\n\r\n<script>\r\n(function(){\r\n'use strict';\r\n\r\n\/* ----------------------------------------------------------------\r\n TRANSLATIONS (fr \/ en \/ es \/ de \/ nl \/ pt \/ lt)\r\n ---------------------------------------------------------------- *\/\r\nconst T = {\r\n fr:{\r\n appTitle:\"Contrat de Pr\u00eat <span>Personnalis\u00e9<\/span>\",\r\n appSubtitle:\"G\u00e9n\u00e9rez votre contrat professionnel en quelques secondes.\",\r\n step1:\"Informations\",step2:\"Calcul\",step3:\"Contrat\",\r\n sectionBorrower:\"Informations Emprunteur\",sectionBorrowerSub:\"Coordonn\u00e9es personnelles de l'emprunteur\",\r\n sectionLenderFull:\"Informations Pr\u00eateur \/ Organisme\",sectionLenderSub:\"Coordonn\u00e9es compl\u00e8tes de l'organisme pr\u00eateur\",\r\n sectionLoan:\"D\u00e9tails du Pr\u00eat\",sectionLoanSub:\"Conditions financi\u00e8res du financement\",\r\n labelFullname:\"Nom complet\",labelEmail:\"Adresse e-mail\",labelPhone:\"T\u00e9l\u00e9phone\",labelNationality:\"Nationalit\u00e9\",\r\n labelAddress:\"Adresse postale compl\u00e8te\",labelId:\"Pi\u00e8ce d'identit\u00e9 n\u00b0\",labelDate:\"Date du contrat\",\r\n labelAmount:\"Montant du pr\u00eat (\u20ac)\",labelLoanType:\"Type de pr\u00eat\",labelDuration:\"Dur\u00e9e de remboursement\",\r\n labelRate:\"Taux d'int\u00e9r\u00eat annuel\",labelPurpose:\"Objet du pr\u00eat\",\r\n labelLender:\"Nom du pr\u00eateur \/ organisme\",labelLenderRegNum:\"N\u00b0 d'enregistrement\",\r\n labelLenderAddress:\"Adresse du pr\u00eateur\",labelLenderEmail:\"E-mail du pr\u00eateur\",labelLenderPhone:\"T\u00e9l\u00e9phone du pr\u00eateur\",\r\n labelFees:\"Frais de dossier (\u20ac)\",labelTax:\"Taxe sur contrat (%)\",labelFeesMotif:\"Motif et description des frais\",\r\n hintFees:\"Frais fixes de traitement du dossier\",hintTax:\"Taxe applicable sur le montant emprunt\u00e9\",\r\n loanPersonal:\"Pr\u00eat personnel\",loanMortgage:\"Pr\u00eat immobilier\",loanAuto:\"Pr\u00eat automobile\",loanStudent:\"Pr\u00eat \u00e9tudiant\",loanBusiness:\"Pr\u00eat professionnel\",\r\n hintDuration:\"De 3 \u00e0 360 mois\",hintRate:\"De 0.1 % \u00e0 25 % annuel\",unitMonths:\"mois\",\r\n pillMonthly:\"Mensualit\u00e9\",pillTotal:\"Co\u00fbt total\",pillInterests:\"Int\u00e9r\u00eats\",\r\n btnGenerate:\"G\u00e9n\u00e9rer le contrat\",contractReady:\" Contrat g\u00e9n\u00e9r\u00e9\",\r\n btnBack:\"Modifier\",btnWord:\"Word (.doc)\",btnPDF:\"T\u00e9l\u00e9charger PDF\",\r\n amortTitle:\" Tableau d'amortissement complet\",\r\n errRequired:\"Ce champ est requis\",errEmail:\"Email invalide\",errAmount:\"Montant entre 500 \u20ac et 500 000 \u20ac\",\r\n toastGenerated:\" Contrat g\u00e9n\u00e9r\u00e9 avec succ\u00e8s !\",toastWordDl:\" Document Word t\u00e9l\u00e9charg\u00e9\",\r\n loaderText:\"G\u00e9n\u00e9ration du contrat en cours\",\r\n amortMonth:\"Mois\",amortDate:\"Date\",amortPayment:\"Mensualit\u00e9\",amortPrincipal:\"Capital\",amortInterest:\"Int\u00e9r\u00eats\",amortBalance:\"Capital restant\",\r\n labelFirstPayment:\"1\u00e8re date d'\u00e9ch\u00e9ance\",hintFirstPayment:\"Date de la premi\u00e8re mensualit\u00e9\",btnNext:\"Suivant \u2192\",btnPrev:\"\u2190 Retour\"\r\n },\r\n en:{\r\n appTitle:\"Personalised Loan <span>Contract<\/span>\",\r\n appSubtitle:\"Generate your professional contract in seconds.\",\r\n step1:\"Information\",step2:\"Calculation\",step3:\"Contract\",\r\n sectionBorrower:\"Borrower Information\",sectionBorrowerSub:\"Borrower personal details\",\r\n sectionLenderFull:\"Lender \/ Institution Information\",sectionLenderSub:\"Full contact details of the lending institution\",\r\n sectionLoan:\"Loan Details\",sectionLoanSub:\"Financial conditions of the loan\",\r\n labelFullname:\"Full name\",labelEmail:\"Email address\",labelPhone:\"Phone\",labelNationality:\"Nationality\",\r\n labelAddress:\"Full postal address\",labelId:\"ID document number\",labelDate:\"Contract date\",\r\n labelAmount:\"Loan amount (\u20ac)\",labelLoanType:\"Loan type\",labelDuration:\"Repayment term\",\r\n labelRate:\"Annual interest rate\",labelPurpose:\"Loan purpose\",\r\n labelLender:\"Lender \/ institution name\",labelLenderRegNum:\"Registration number\",\r\n labelLenderAddress:\"Lender address\",labelLenderEmail:\"Lender email\",labelLenderPhone:\"Lender phone\",\r\n labelFees:\"Processing fees (\u20ac)\",labelTax:\"Contract tax (%)\",labelFeesMotif:\"Fees description \/ reason\",\r\n hintFees:\"Fixed administrative processing fees\",hintTax:\"Tax applicable on the borrowed amount\",\r\n loanPersonal:\"Personal loan\",loanMortgage:\"Mortgage\",loanAuto:\"Car loan\",loanStudent:\"Student loan\",loanBusiness:\"Business loan\",\r\n hintDuration:\"From 3 to 360 months\",hintRate:\"From 0.1% to 25% annual\",unitMonths:\"months\",\r\n pillMonthly:\"Monthly payment\",pillTotal:\"Total cost\",pillInterests:\"Interest\",\r\n btnGenerate:\"Generate contract\",contractReady:\"\u2726 Contract generated\",\r\n btnBack:\"Edit\",btnWord:\"Word (.doc)\",btnPDF:\"Download PDF\",\r\n amortTitle:\"\ud83d\udcca Full amortization schedule\",\r\n errRequired:\"This field is required\",errEmail:\"Invalid email\",errAmount:\"Amount between \u20ac500 and \u20ac500,000\",\r\n toastGenerated:\"\u2713 Contract generated successfully!\",toastWordDl:\"\u2713 Word document downloaded\",\r\n loaderText:\"Generating contract\u2026\",\r\n amortMonth:\"Month\",amortDate:\"Date\",amortPayment:\"Payment\",amortPrincipal:\"Principal\",amortInterest:\"Interest\",amortBalance:\"Balance\",\r\n labelFirstPayment:\"First payment date\",hintFirstPayment:\"Date of the first monthly instalment\",btnNext:\"Next \u2192\",btnPrev:\"\u2190 Back\"\r\n },\r\n es:{\r\n appTitle:\"Contrato de Pr\u00e9stamo <span>Personalizado<\/span>\",\r\n appSubtitle:\"Genere su contrato profesional en segundos.\",\r\n step1:\"Informaci\u00f3n\",step2:\"C\u00e1lculo\",step3:\"Contrato\",\r\n sectionBorrower:\"Informaci\u00f3n del Prestatario\",sectionBorrowerSub:\"Datos personales del prestatario\",\r\n sectionLenderFull:\"Informaci\u00f3n del Prestamista\",sectionLenderSub:\"Datos completos de la entidad prestamista\",\r\n sectionLoan:\"Detalles del Pr\u00e9stamo\",sectionLoanSub:\"Condiciones financieras de la financiaci\u00f3n\",\r\n labelFullname:\"Nombre completo\",labelEmail:\"Correo electr\u00f3nico\",labelPhone:\"Tel\u00e9fono\",labelNationality:\"Nacionalidad\",\r\n labelAddress:\"Direcci\u00f3n postal completa\",labelId:\"N\u00famero de identificaci\u00f3n\",labelDate:\"Fecha del contrato\",\r\n labelAmount:\"Importe del pr\u00e9stamo (\u20ac)\",labelLoanType:\"Tipo de pr\u00e9stamo\",labelDuration:\"Plazo de amortizaci\u00f3n\",\r\n labelRate:\"Tasa de inter\u00e9s anual\",labelPurpose:\"Prop\u00f3sito del pr\u00e9stamo\",\r\n labelLender:\"Nombre del prestamista\",labelLenderRegNum:\"N\u00famero de registro\",\r\n labelLenderAddress:\"Direcci\u00f3n del prestamista\",labelLenderEmail:\"Email del prestamista\",labelLenderPhone:\"Tel\u00e9fono del prestamista\",\r\n labelFees:\"Comisi\u00f3n de apertura (\u20ac)\",labelTax:\"Impuesto sobre contrato (%)\",labelFeesMotif:\"Descripci\u00f3n \/ motivo de comisiones\",\r\n hintFees:\"Comisi\u00f3n fija de gesti\u00f3n administrativa\",hintTax:\"Impuesto aplicable sobre el importe prestado\",\r\n loanPersonal:\"Pr\u00e9stamo personal\",loanMortgage:\"Hipoteca\",loanAuto:\"Pr\u00e9stamo auto\",loanStudent:\"Pr\u00e9stamo estudiantil\",loanBusiness:\"Pr\u00e9stamo empresarial\",\r\n hintDuration:\"De 3 a 360 meses\",hintRate:\"De 0,1% a 25% anual\",unitMonths:\"meses\",\r\n pillMonthly:\"Cuota mensual\",pillTotal:\"Coste total\",pillInterests:\"Intereses\",\r\n btnGenerate:\"Generar contrato\",contractReady:\"\u2726 Contrato generado\",\r\n btnBack:\"Editar\",btnWord:\"Word (.doc)\",btnPDF:\"Descargar PDF\",\r\n amortTitle:\"\ud83d\udcca Tabla de amortizaci\u00f3n completa\",\r\n errRequired:\"Este campo es obligatorio\",errEmail:\"Email inv\u00e1lido\",errAmount:\"Importe entre 500 \u20ac y 500.000 \u20ac\",\r\n toastGenerated:\"\u2713 \u00a1Contrato generado con \u00e9xito!\",toastWordDl:\"\u2713 Documento Word descargado\",\r\n loaderText:\"Generando contrato\u2026\",\r\n amortMonth:\"Mes\",amortDate:\"Fecha\",amortPayment:\"Cuota\",amortPrincipal:\"Capital\",amortInterest:\"Intereses\",amortBalance:\"Capital restante\",\r\n labelFirstPayment:\"Fecha primera cuota\",hintFirstPayment:\"Fecha de la primera mensualidad\",btnNext:\"Siguiente \u2192\",btnPrev:\"\u2190 Anterior\"\r\n },\r\n de:{\r\n appTitle:\"Pers\u00f6nlicher <span>Kreditvertrag<\/span>\",\r\n appSubtitle:\"Erstellen Sie Ihren professionellen Vertrag in Sekunden.\",\r\n step1:\"Informationen\",step2:\"Berechnung\",step3:\"Vertrag\",\r\n sectionBorrower:\"Kreditnehmer-Informationen\",sectionBorrowerSub:\"Pers\u00f6nliche Daten des Kreditnehmers\",\r\n sectionLenderFull:\"Angaben zum Kreditgeber\",sectionLenderSub:\"Vollst\u00e4ndige Kontaktdaten des Kreditgebers\",\r\n sectionLoan:\"Kreditdetails\",sectionLoanSub:\"Finanzielle Bedingungen des Kredits\",\r\n labelFullname:\"Vollst\u00e4ndiger Name\",labelEmail:\"E-Mail-Adresse\",labelPhone:\"Telefon\",labelNationality:\"Staatsangeh\u00f6rigkeit\",\r\n labelAddress:\"Vollst\u00e4ndige Postanschrift\",labelId:\"Ausweisnummer\",labelDate:\"Vertragsdatum\",\r\n labelAmount:\"Kreditbetrag (\u20ac)\",labelLoanType:\"Kreditart\",labelDuration:\"Laufzeit\",\r\n labelRate:\"J\u00e4hrlicher Zinssatz\",labelPurpose:\"Verwendungszweck\",\r\n labelLender:\"Name des Kreditgebers\",labelLenderRegNum:\"Registrierungsnummer\",\r\n labelLenderAddress:\"Adresse des Kreditgebers\",labelLenderEmail:\"E-Mail des Kreditgebers\",labelLenderPhone:\"Telefon des Kreditgebers\",\r\n labelFees:\"Bearbeitungsgeb\u00fchren (\u20ac)\",labelTax:\"Vertragssteuer (%)\",labelFeesMotif:\"Geb\u00fchrenanlass \/ Beschreibung\",\r\n hintFees:\"Feste Bearbeitungsgeb\u00fchren\",hintTax:\"Auf den geliehenen Betrag anfallende Steuer\",\r\n loanPersonal:\"Privatkredit\",loanMortgage:\"Hypothek\",loanAuto:\"Autokredit\",loanStudent:\"Studentenkredit\",loanBusiness:\"Gesch\u00e4ftskredit\",\r\n hintDuration:\"Von 3 bis 360 Monate\",hintRate:\"Von 0,1 % bis 25 % j\u00e4hrlich\",unitMonths:\"Monate\",\r\n pillMonthly:\"Monatliche Rate\",pillTotal:\"Gesamtkosten\",pillInterests:\"Zinsen\",\r\n btnGenerate:\"Vertrag erstellen\",contractReady:\"\u2726 Vertrag erstellt\",\r\n btnBack:\"Bearbeiten\",btnWord:\"Word (.doc)\",btnPDF:\"PDF herunterladen\",\r\n amortTitle:\"\ud83d\udcca Vollst\u00e4ndiger Tilgungsplan\",\r\n errRequired:\"Dieses Feld ist erforderlich\",errEmail:\"Ung\u00fcltige E-Mail\",errAmount:\"Betrag zwischen 500 \u20ac und 500.000 \u20ac\",\r\n toastGenerated:\"\u2713 Vertrag erfolgreich erstellt!\",toastWordDl:\"\u2713 Word-Dokument heruntergeladen\",\r\n loaderText:\"Vertrag wird erstellt\u2026\",\r\n amortMonth:\"Monat\",amortDate:\"Datum\",amortPayment:\"Rate\",amortPrincipal:\"Tilgung\",amortInterest:\"Zinsen\",amortBalance:\"Restschuld\",\r\n labelFirstPayment:\"Erste F\u00e4lligkeitszahlung\",hintFirstPayment:\"Datum der ersten Monatsrate\",btnNext:\"Weiter \u2192\",btnPrev:\"\u2190 Zur\u00fcck\"\r\n },\r\n nl:{\r\n appTitle:\"Persoonlijk <span>Leningcontract<\/span>\",\r\n appSubtitle:\"Genereer uw professioneel contract in seconden.\",\r\n step1:\"Informatie\",step2:\"Berekening\",step3:\"Contract\",\r\n sectionBorrower:\"Informatie Kredietnemer\",sectionBorrowerSub:\"Persoonlijke gegevens van de kredietnemer\",\r\n sectionLenderFull:\"Informatie Kredietverstrekker\",sectionLenderSub:\"Volledige contactgegevens van de kredietverstrekker\",\r\n sectionLoan:\"Leningdetails\",sectionLoanSub:\"Financi\u00eble voorwaarden van de lening\",\r\n labelFullname:\"Volledige naam\",labelEmail:\"E-mailadres\",labelPhone:\"Telefoon\",labelNationality:\"Nationaliteit\",\r\n labelAddress:\"Volledig postadres\",labelId:\"Identiteitsbewijs nr.\",labelDate:\"Contractdatum\",\r\n labelAmount:\"Leningbedrag (\u20ac)\",labelLoanType:\"Leningtype\",labelDuration:\"Looptijd\",\r\n labelRate:\"Jaarlijkse rentevoet\",labelPurpose:\"Doel van de lening\",\r\n labelLender:\"Naam kredietverstrekker\",labelLenderRegNum:\"Registratienummer\",\r\n labelLenderAddress:\"Adres kredietverstrekker\",labelLenderEmail:\"E-mail kredietverstrekker\",labelLenderPhone:\"Telefoon kredietverstrekker\",\r\n labelFees:\"Administratiekosten (\u20ac)\",labelTax:\"Contractbelasting (%)\",labelFeesMotif:\"Reden kosten \/ omschrijving\",\r\n hintFees:\"Vaste administratieve verwerkingskosten\",hintTax:\"Belasting van toepassing op het geleende bedrag\",\r\n loanPersonal:\"Persoonlijke lening\",loanMortgage:\"Hypotheek\",loanAuto:\"Autolening\",loanStudent:\"Studielening\",loanBusiness:\"Zakelijke lening\",\r\n hintDuration:\"Van 3 tot 360 maanden\",hintRate:\"Van 0,1% tot 25% per jaar\",unitMonths:\"maanden\",\r\n pillMonthly:\"Maandbetaling\",pillTotal:\"Totale kosten\",pillInterests:\"Rente\",\r\n btnGenerate:\"Contract genereren\",contractReady:\"\u2726 Contract gegenereerd\",\r\n btnBack:\"Bewerken\",btnWord:\"Word (.doc)\",btnPDF:\"PDF downloaden\",\r\n amortTitle:\"\ud83d\udcca Volledig aflossingsschema\",\r\n errRequired:\"Dit veld is verplicht\",errEmail:\"Ongeldig e-mailadres\",errAmount:\"Bedrag tussen \u20ac500 en \u20ac500.000\",\r\n toastGenerated:\"\u2713 Contract succesvol gegenereerd!\",toastWordDl:\"\u2713 Word-document gedownload\",\r\n loaderText:\"Contract wordt gegenereerd\u2026\",\r\n amortMonth:\"Maand\",amortDate:\"Datum\",amortPayment:\"Betaling\",amortPrincipal:\"Aflossing\",amortInterest:\"Rente\",amortBalance:\"Restschuld\",\r\n labelFirstPayment:\"Eerste vervaldatum\",hintFirstPayment:\"Datum van de eerste maandbetaling\",btnNext:\"Volgende \u2192\",btnPrev:\"\u2190 Terug\"\r\n },\r\n pt:{\r\n appTitle:\"Contrato de Empr\u00e9stimo <span>Personalizado<\/span>\",\r\n appSubtitle:\"Gere o seu contrato profissional em segundos.\",\r\n step1:\"Informa\u00e7\u00f5es\",step2:\"C\u00e1lculo\",step3:\"Contrato\",\r\n sectionBorrower:\"Informa\u00e7\u00f5es do Mutu\u00e1rio\",sectionBorrowerSub:\"Dados pessoais do mutu\u00e1rio\",\r\n sectionLenderFull:\"Informa\u00e7\u00f5es do Mutuante\",sectionLenderSub:\"Dados completos da institui\u00e7\u00e3o mutuante\",\r\n sectionLoan:\"Detalhes do Empr\u00e9stimo\",sectionLoanSub:\"Condi\u00e7\u00f5es financeiras do empr\u00e9stimo\",\r\n labelFullname:\"Nome completo\",labelEmail:\"Endere\u00e7o de e-mail\",labelPhone:\"Telefone\",labelNationality:\"Nacionalidade\",\r\n labelAddress:\"Morada postal completa\",labelId:\"N.\u00ba do documento de identifica\u00e7\u00e3o\",labelDate:\"Data do contrato\",\r\n labelAmount:\"Montante do empr\u00e9stimo (\u20ac)\",labelLoanType:\"Tipo de empr\u00e9stimo\",labelDuration:\"Prazo de reembolso\",\r\n labelRate:\"Taxa de juro anual\",labelPurpose:\"Finalidade do empr\u00e9stimo\",\r\n labelLender:\"Nome do mutuante \/ organismo\",labelLenderRegNum:\"N\u00famero de registo\",\r\n labelLenderAddress:\"Morada do mutuante\",labelLenderEmail:\"E-mail do mutuante\",labelLenderPhone:\"Telefone do mutuante\",\r\n labelFees:\"Comiss\u00e3o de abertura (\u20ac)\",labelTax:\"Imposto sobre contrato (%)\",labelFeesMotif:\"Motivo e descri\u00e7\u00e3o das comiss\u00f5es\",\r\n hintFees:\"Comiss\u00e3o fixa de processamento administrativo\",hintTax:\"Imposto aplic\u00e1vel sobre o montante emprestado\",\r\n loanPersonal:\"Empr\u00e9stimo pessoal\",loanMortgage:\"Hipoteca\",loanAuto:\"Cr\u00e9dito autom\u00f3vel\",loanStudent:\"Empr\u00e9stimo estudantil\",loanBusiness:\"Empr\u00e9stimo empresarial\",\r\n hintDuration:\"De 3 a 360 meses\",hintRate:\"De 0,1% a 25% anual\",unitMonths:\"meses\",\r\n pillMonthly:\"Presta\u00e7\u00e3o mensal\",pillTotal:\"Custo total\",pillInterests:\"Juros\",\r\n btnGenerate:\"Gerar contrato\",contractReady:\"\u2726 Contrato gerado\",\r\n btnBack:\"Editar\",btnWord:\"Word (.doc)\",btnPDF:\"Transferir PDF\",\r\n amortTitle:\"\ud83d\udcca Plano de amortiza\u00e7\u00e3o completo\",\r\n errRequired:\"Este campo \u00e9 obrigat\u00f3rio\",errEmail:\"E-mail inv\u00e1lido\",errAmount:\"Montante entre 500 \u20ac e 500.000 \u20ac\",\r\n toastGenerated:\"\u2713 Contrato gerado com sucesso!\",toastWordDl:\"\u2713 Documento Word transferido\",\r\n loaderText:\"A gerar contrato\u2026\",\r\n amortMonth:\"M\u00eas\",amortDate:\"Data\",amortPayment:\"Presta\u00e7\u00e3o\",amortPrincipal:\"Capital\",amortInterest:\"Juros\",amortBalance:\"Capital em d\u00edvida\",\r\n labelFirstPayment:\"Data 1.\u00aa presta\u00e7\u00e3o\",hintFirstPayment:\"Data da primeira presta\u00e7\u00e3o mensal\",btnNext:\"Seguinte \u2192\",btnPrev:\"\u2190 Anterior\"\r\n },\r\n lt:{\r\n appTitle:\"Asmenin\u0117 paskolos <span>sutartis<\/span>\",\r\n appSubtitle:\"Sugeneruokite profesionali\u0105 sutart\u012f per kelias sekundes.\",\r\n step1:\"Informacija\",step2:\"Skai\u010diavimas\",step3:\"Sutartis\",\r\n sectionBorrower:\"Skolininko informacija\",sectionBorrowerSub:\"Asmeniniai skolininko duomenys\",\r\n sectionLenderFull:\"Skolintojo informacija\",sectionLenderSub:\"I\u0161sam\u016bs skolintojo kontaktiniai duomenys\",\r\n sectionLoan:\"Paskolos detal\u0117s\",sectionLoanSub:\"Finansin\u0117s paskolos s\u0105lygos\",\r\n labelFullname:\"Vardas ir pavard\u0117\",labelEmail:\"El. pa\u0161to adresas\",labelPhone:\"Telefonas\",labelNationality:\"Pilietyb\u0117\",\r\n labelAddress:\"Pilnas pa\u0161to adresas\",labelId:\"Asmens dokumento nr.\",labelDate:\"Sutarties data\",\r\n labelAmount:\"Paskolos suma (\u20ac)\",labelLoanType:\"Paskolos tipas\",labelDuration:\"Trukm\u0117\",\r\n labelRate:\"Metin\u0117 pal\u016bkan\u0173 norma\",labelPurpose:\"Paskolos tikslas\",\r\n labelLender:\"Skolintojo pavadinimas\",labelLenderRegNum:\"Registracijos numeris\",\r\n labelLenderAddress:\"Skolintojo adresas\",labelLenderEmail:\"Skolintojo el. pa\u0161tas\",labelLenderPhone:\"Skolintojo telefonas\",\r\n labelFees:\"Administravimo mokestis (\u20ac)\",labelTax:\"Sutarties mokestis (%)\",labelFeesMotif:\"Mokes\u010dio prie\u017eastis ir apra\u0161ymas\",\r\n hintFees:\"Fiksuotas administracinis apdorojimo mokestis\",hintTax:\"Mokestis taikomas skolintos sumos at\u017evilgiu\",\r\n loanPersonal:\"Asmenin\u0117 paskola\",loanMortgage:\"Hipoteka\",loanAuto:\"Automobilio paskola\",loanStudent:\"Student\u0173 paskola\",loanBusiness:\"Verslo paskola\",\r\n hintDuration:\"Nuo 3 iki 360 m\u0117nesi\u0173\",hintRate:\"Nuo 0,1 % iki 25 % per metus\",unitMonths:\"m\u0117nesiai\",\r\n pillMonthly:\"M\u0117nesin\u0117 \u012fmoka\",pillTotal:\"Bendra kaina\",pillInterests:\"Pal\u016bkanos\",\r\n btnGenerate:\"Generuoti sutart\u012f\",contractReady:\"\u2726 Sutartis sugeneruota\",\r\n btnBack:\"Redaguoti\",btnWord:\"Word (.doc)\",btnPDF:\"Atsisi\u0173sti PDF\",\r\n amortTitle:\"\ud83d\udcca Pilnas amortizacijos grafikas\",\r\n errRequired:\"\u0160is laukas yra privalomas\",errEmail:\"Neteisingas el. pa\u0161tas\",errAmount:\"Suma nuo 500 \u20ac iki 500.000 \u20ac\",\r\n toastGenerated:\"\u2713 Sutartis s\u0117kmingai sugeneruota!\",toastWordDl:\"\u2713 Word dokumentas atsisi\u0173stas\",\r\n loaderText:\"Generuojama sutartis\u2026\",\r\n amortMonth:\"M\u0117nuo\",amortDate:\"Data\",amortPayment:\"\u012emoka\",amortPrincipal:\"Pagrindin\u0117 suma\",amortInterest:\"Pal\u016bkanos\",amortBalance:\"Likutis\",\r\n labelFirstPayment:\"Pirmojo mok\u0117jimo data\",hintFirstPayment:\"Pirmosios m\u0117nesin\u0117s \u012fmokos data\",btnNext:\"Toliau \u2192\",btnPrev:\"\u2190 Atgal\"\r\n }\r\n};\r\n\r\n\/* ---------------------------------------------------------------- STATE ---------------------------------------------------------------- *\/\r\nlet lang = 'fr';\r\nlet amortData = [];\r\nlet sigC = {}, sigD = {};\r\nlet currentFormStep = 1;\r\n\r\nfunction goToFormStep(n){\r\n [1,2,3].forEach(i=>{\r\n const card=document.getElementById('step-card-'+i);\r\n if(card) card.style.display=i===n?'':'none';\r\n });\r\n currentFormStep=n;\r\n setStep(n);\r\n}\r\nfunction nextStep(){ if(currentFormStep<3) goToFormStep(currentFormStep+1); }\r\nfunction prevStep(){ if(currentFormStep>1) goToFormStep(currentFormStep-1); }\r\n\r\n\/* ---------------------------------------------------------------- HELPERS ---------------------------------------------------------------- *\/\r\nfunction t(k){ return (T[lang]&&T[lang][k]) || T.fr[k] || k; }\r\nfunction fmt(n,d=2){ return new Intl.NumberFormat('fr-FR',{minimumFractionDigits:d,maximumFractionDigits:d}).format(n); }\r\nfunction fmtEUR(n){ return new Intl.NumberFormat('fr-FR',{style:'currency',currency:'EUR',minimumFractionDigits:2}).format(n); }\r\nfunction genRef(){\r\n const n=new Date(), y=n.getFullYear(), m=String(n.getMonth()+1).padStart(2,'0');\r\n return 'NDB-'+y+m+'-'+Math.random().toString(36).substring(2,7).toUpperCase();\r\n}\r\nfunction today(loc){ const d=new Date(); return d.toLocaleDateString(loc||'fr-FR',{day:'2-digit',month:'long',year:'numeric'}); }\r\nfunction dateStr(s){ if(!s) return today(); const d=new Date(s); return d.toLocaleDateString('fr-FR',{day:'2-digit',month:'long',year:'numeric'}); }\r\nfunction addM(base,n){ const d=new Date(base||Date.now()); d.setMonth(d.getMonth()+n); return d.toLocaleDateString('fr-FR',{month:'short',year:'numeric'}); }\r\nfunction toast(msg,type='success'){\r\n const el=document.getElementById('toast'); el.textContent=msg;\r\n el.className='toast '+type+' show'; setTimeout(()=>el.className='toast',3500);\r\n}\r\nfunction loader(show,msg){ const o=document.getElementById('loaderOverlay'); if(msg) document.getElementById('loaderText').textContent=msg; o.classList[show?'add':'remove']('active'); }\r\nfunction setStep(n){ document.querySelectorAll('.step-item').forEach(el=>{ const s=+el.dataset.step; el.classList.remove('active','done'); if(s<n) el.classList.add('done'); if(s===n) el.classList.add('active'); }); }\r\n\r\n\/* ---------------------------------------------------------------- CALCULATION ---------------------------------------------------------------- *\/\r\nfunction calcLoan(P,aRate,months){\r\n if(!aRate||aRate===0){ const m=P\/months; return{monthly:m,totalCost:m*months,totalInterest:0}; }\r\n const r=aRate\/100\/12;\r\n const m=P*(r*Math.pow(1+r,months))\/(Math.pow(1+r,months)-1);\r\n return{monthly:m,totalCost:m*months,totalInterest:m*months-P};\r\n}\r\nfunction buildAmort(P,aRate,months,startDate){\r\n const sched=[]; const r=aRate\/100\/12; let bal=P;\r\n const fp=aRate?P*(r*Math.pow(1+r,months))\/(Math.pow(1+r,months)-1):P\/months;\r\n const base=startDate?new Date(startDate):new Date();\r\n for(let i=1;i<=months;i++){\r\n const int=bal*r; let cap=fp-int; if(i===months) cap=bal;\r\n const pay=cap+int; bal-=cap; if(bal<0.005) bal=0;\r\n const d=new Date(base); d.setMonth(d.getMonth()+i);\r\n sched.push({month:i,date:d.toLocaleDateString('fr-FR',{month:'short',year:'numeric'}),payment:pay,capital:cap,interest:int,balance:Math.max(0,bal)});\r\n }\r\n return sched;\r\n}\r\n\r\n\/* ---------------------------------------------------------------- LIVE CALC ---------------------------------------------------------------- *\/\r\nfunction updateLive(){\r\n const amount=parseFloat(document.getElementById('amount').value)||0;\r\n const dur=parseInt(document.getElementById('duration').value)||24;\r\n const rate=parseFloat(document.getElementById('rate').value)||0;\r\n if(amount>=500){\r\n const{monthly,totalCost,totalInterest}=calcLoan(amount,rate,dur);\r\n document.getElementById('pillMonthly').textContent=fmt(monthly);\r\n document.getElementById('pillTotal').textContent=fmt(totalCost);\r\n document.getElementById('pillInterests').textContent=fmt(totalInterest);\r\n } else {\r\n ['pillMonthly','pillTotal','pillInterests'].forEach(id=>document.getElementById(id).textContent='\u2013');\r\n }\r\n}\r\n\r\n\/* Sync range <-> number *\/\r\nfunction syncPair(rangeId,numId){\r\n const r=document.getElementById(rangeId), n=document.getElementById(numId);\r\n if(!r||!n) return;\r\n r.addEventListener('input',()=>{ n.value=r.value; updateLive(); });\r\n n.addEventListener('input',()=>{\r\n let v=parseFloat(n.value); const mn=parseFloat(n.min),mx=parseFloat(n.max);\r\n if(isNaN(v)) return; v=Math.max(mn,Math.min(mx,v)); n.value=v; r.value=v; updateLive();\r\n });\r\n}\r\n\r\n\/* ---------------------------------------------------------------- VALIDATION ---------------------------------------------------------------- *\/\r\nfunction validate(){\r\n const rules=[\r\n {id:'fullname',fid:'f-fullname',test:v=>v.trim().length>=2},\r\n {id:'email',fid:'f-email',test:v=>\/^[^\\s@]+@[^\\s@]+\\.[^\\s@]+$\/.test(v.trim())},\r\n {id:'phone',fid:'f-phone',test:v=>v.trim().length>=6},\r\n {id:'address',fid:'f-address',test:v=>v.trim().length>=5},\r\n {id:'idnum',fid:'f-idnum',test:v=>v.trim().length>=3},\r\n {id:'contractDate',fid:'f-date',test:v=>v!==''},\r\n {id:'amount',fid:'f-amount',test:v=>parseFloat(v)>=500&&parseFloat(v)<=500000},\r\n {id:'purpose',fid:'f-purpose',test:v=>v.trim().length>=3},\r\n {id:'lender',fid:'f-lender',test:v=>v.trim().length>=2},\r\n {id:'lenderAddress',fid:'f-lenderAddress',test:v=>v.trim().length>=5},\r\n {id:'lenderEmail',fid:'f-lenderEmail',test:v=>\/^[^\\s@]+@[^\\s@]+\\.[^\\s@]+$\/.test(v.trim())||v.trim()===''?v.trim()===''?false:\/^[^\\s@]+@[^\\s@]+\\.[^\\s@]+$\/.test(v.trim()):false},\r\n ];\r\n \/\/ fix lenderEmail rule\r\n const emailRule=rules.find(r=>r.id==='lenderEmail');\r\n emailRule.test=v=>v.trim()===''||\/^[^\\s@]+@[^\\s@]+\\.[^\\s@]+$\/.test(v.trim());\r\n let ok=true;\r\n rules.forEach(r=>{\r\n const el=document.getElementById(r.id), box=document.getElementById(r.fid);\r\n const val=el?el.value:'';\r\n if(!r.test(val)){ box&&box.classList.add('invalid'); ok=false; }\r\n else box&&box.classList.remove('invalid');\r\n });\r\n return ok;\r\n}\r\n\r\n\/* ---------------------------------------------------------------- CONTRACT HTML ---------------------------------------------------------------- *\/\r\nfunction buildContract(data,sched){\r\n const ref=genRef(); const ds=dateStr(data.contractDate);\r\n const lbl={personnel:'Pr\u00eat Personnel',immobilier:'Pr\u00eat Immobilier',auto:'Pr\u00eat Automobile',etudiant:'Pr\u00eat \u00c9tudiant',professionnel:'Pr\u00eat Professionnel'};\r\n const loanLabel=lbl[data.loanType]||data.loanType;\r\n const{monthly,totalCost,totalInterest}=calcLoan(data.amount,data.rate,data.duration);\r\n const fees=parseFloat(data.contractFees)||0;\r\n const taxAmt=data.amount*(parseFloat(data.contractTax)||0)\/100;\r\n const totalCharge=totalCost+fees+taxAmt;\r\n const rows=sched.slice(0,Math.min(12,sched.length)).map(r=>`\r\n <tr><td style=\"text-align:center\">${r.month}<\/td><td>${r.date}<\/td>\r\n <td class=\"td-num\">${fmt(r.payment)} \u20ac<\/td><td class=\"td-acc\">${fmt(r.capital)} \u20ac<\/td>\r\n <td class=\"td-num\" style=\"color:#c0392b\">${fmt(r.interest)} \u20ac<\/td>\r\n <td class=\"td-num\">${fmt(r.balance)} \u20ac<\/td><\/tr>`).join('');\r\n\r\n return `\r\n<div class=\"c-header\">\r\n <div>\r\n <img decoding=\"async\" src=\"https:\/\/Finzeia.com\/wp-content\/uploads\/2026\/04\/Presentation-moderne-de-lidentite-de-marque-2-e1776191129871-removebg-preview.png\" alt=\"Finzeia-Credito\u00ae\" class=\"c-logo-img\" onerror=\"this.style.display='none';this.nextSibling.style.display='block'\"\/>\r\n <div style=\"display:none;font-family:Montserrat,sans-serif;font-size:18px;font-weight:900;color:#002C26;padding:4px 0\">Finzeia-Credito\u00ae<\/div>\r\n <div class=\"c-logo-tag\">Secure Digital Banking for Individuals & Professionals<\/div>\r\n <div class=\"c-contact-block\">\r\n \ud83d\udccd 5 Strand, London WC2N 5HR, United Kingdom<br>\r\n \ud83d\udce7 <a href=\"mailto:banking@Finzeia.com\">banking@Finzeia.com<\/a> \u00b7 <a href=\"mailto:contact@Finzeia.com\">contact@Finzeia.com<\/a><br>\r\n \ud83d\udcde (334) 469-5555 \u00b7 \ud83c\udf10 <a href=\"https:\/\/Finzeia.com\">Finzeia.com<\/a>\r\n <\/div>\r\n <\/div>\r\n <div class=\"c-ref-block\">\r\n <div class=\"c-ref-num\">Contrat n\u00b0 ${ref}<\/div>\r\n <div class=\"c-ref-date\">\u00c9mis le ${today()}<\/div>\r\n <div class=\"c-ref-date\">Date : ${ds}<\/div>\r\n <div class=\"c-ref-badge\">ORIGINAL<\/div>\r\n <\/div>\r\n<\/div>\r\n\r\n<div class=\"c-title\">CONTRAT DE ${loanLabel.toUpperCase()}<\/div>\r\n\r\n<div class=\"c-section\">\r\n <div class=\"c-section-title\">1. PARTIES AU CONTRAT<\/div>\r\n <div class=\"c-info-grid\">\r\n <div>\r\n <div style=\"font-family:Montserrat,sans-serif;font-size:10px;font-weight:800;color:#417949;text-transform:uppercase;letter-spacing:1px;margin-bottom:8px\">EMPRUNTEUR<\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">Nom :<\/span><span class=\"c-info-val\"><strong>${data.fullname}<\/strong><\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">E-mail :<\/span><span class=\"c-info-val\">${data.email}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">T\u00e9l\u00e9phone :<\/span><span class=\"c-info-val\">${data.phone||'\u2013'}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">Nationalit\u00e9 :<\/span><span class=\"c-info-val\">${data.nationality||'\u2013'}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">Adresse :<\/span><span class=\"c-info-val\">${data.address}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">Pi\u00e8ce d'identit\u00e9 :<\/span><span class=\"c-info-val\">${data.idnum}<\/span><\/div>\r\n <\/div>\r\n <div>\r\n <div style=\"font-family:Montserrat,sans-serif;font-size:10px;font-weight:800;color:#417949;text-transform:uppercase;letter-spacing:1px;margin-bottom:8px\">PR\u00caTEUR<\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">Organisme :<\/span><span class=\"c-info-val\"><strong>${data.lender}<\/strong><\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">Adresse :<\/span><span class=\"c-info-val\">${data.lenderAddress||'\u2013'}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">E-mail :<\/span><span class=\"c-info-val\">${data.lenderEmail||'\u2013'}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">T\u00e9l\u00e9phone :<\/span><span class=\"c-info-val\">${data.lenderPhone||'\u2013'}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">N\u00b0 enreg. :<\/span><span class=\"c-info-val\">${data.lenderRegNum||'\u2013'}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">R\u00e9f. contrat :<\/span><span class=\"c-info-val\">${ref}<\/span><\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\r\n\r\n<div class=\"c-section\">\r\n <div class=\"c-section-title\">2. CARACT\u00c9RISTIQUES DU CR\u00c9DIT<\/div>\r\n <div class=\"c-hl-box\">\r\n <div><div class=\"c-hl-label\">Montant emprunt\u00e9<\/div><div class=\"c-hl-val\">${fmt(data.amount,0)}<\/div><div class=\"c-hl-unit\">EUR<\/div><\/div>\r\n <div><div class=\"c-hl-label\">Mensualit\u00e9<\/div><div class=\"c-hl-val\">${fmt(monthly)}<\/div><div class=\"c-hl-unit\">\u20ac \/ mois<\/div><\/div>\r\n <div><div class=\"c-hl-label\">Dur\u00e9e totale<\/div><div class=\"c-hl-val\">${data.duration}<\/div><div class=\"c-hl-unit\">mois<\/div><\/div>\r\n <div><div class=\"c-hl-label\">Taux nominal<\/div><div class=\"c-hl-val\">${fmt(data.rate,2)}<\/div><div class=\"c-hl-unit\">% annuel<\/div><\/div>\r\n <div><div class=\"c-hl-label\">Total int\u00e9r\u00eats<\/div><div class=\"c-hl-val\">${fmt(totalInterest,0)}<\/div><div class=\"c-hl-unit\">EUR<\/div><\/div>\r\n <div><div class=\"c-hl-label\">Co\u00fbt total<\/div><div class=\"c-hl-val\">${fmt(totalCost,0)}<\/div><div class=\"c-hl-unit\">EUR<\/div><\/div>\r\n <\/div>\r\n <div class=\"c-info-grid\" style=\"margin-top:10px\">\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">Type de cr\u00e9dit :<\/span><span class=\"c-info-val\">${loanLabel}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">Objet :<\/span><span class=\"c-info-val\">${data.purpose}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">TAEG indicatif :<\/span><span class=\"c-info-val\">${fmt(data.rate,2)} %<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">1\u00e8re \u00e9ch\u00e9ance :<\/span><span class=\"c-info-val\">${data.firstPaymentDate?dateStr(data.firstPaymentDate):addM(data.contractDate,1)}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">Frais dossier :<\/span><span class=\"c-info-val\">${fmt(fees)} \u20ac ${data.feesMotif?'('+data.feesMotif+')':''}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">Taxe contrat :<\/span><span class=\"c-info-val\">${fmt(taxAmt)} \u20ac (${fmt(parseFloat(data.contractTax)||0,2)} %)<\/span><\/div>\r\n ${(fees>0||taxAmt>0)?`<div class=\"c-info-row\" style=\"grid-column:1\/-1\"><span class=\"c-info-key\">Charge totale :<\/span><span class=\"c-info-val\"><strong>${fmt(totalCharge)} \u20ac<\/strong> (int\u00e9r\u00eats + frais + taxe)<\/span><\/div>`:''}\r\n <\/div>\r\n<\/div>\r\n\r\n<div class=\"c-section\">\r\n <div class=\"c-section-title\">3. PLAN DE REMBOURSEMENT (12 premi\u00e8res \u00e9ch\u00e9ances)<\/div>\r\n <table class=\"c-table\" style=\"font-size:11px\">\r\n <thead><tr><th>N\u00b0<\/th><th>Date<\/th><th style=\"text-align:right\">Mensualit\u00e9<\/th><th style=\"text-align:right\">Capital<\/th><th style=\"text-align:right\">Int\u00e9r\u00eats<\/th><th style=\"text-align:right\">Capital restant<\/th><\/tr><\/thead>\r\n <tbody>${rows}<\/tbody>\r\n <\/table>\r\n ${sched.length>12?`<p style=\"font-size:9.5px;color:#999;margin-top:7px;font-family:Montserrat,sans-serif\">* Les ${sched.length-12} \u00e9ch\u00e9ances restantes figurent dans le tableau d'amortissement complet.<\/p>`:''}\r\n<\/div>\r\n\r\n<div class=\"c-section\">\r\n <div class=\"c-section-title\">4. CONDITIONS G\u00c9N\u00c9RALES<\/div>\r\n <div class=\"c-conditions\">\r\n <p><strong>4.1 Objet.<\/strong> Le pr\u00e9sent contrat est conclu entre l'Emprunteur d\u00e9sign\u00e9 ci-dessus et le Pr\u00eateur <strong>${data.lender}<\/strong>, dans le cadre d'un <strong>${loanLabel}<\/strong> d'un montant de <strong>${fmtEUR(data.amount)}<\/strong>, remboursable sur <strong>${data.duration} mois<\/strong> au taux nominal annuel de <strong>${fmt(data.rate,2)} %<\/strong>.<\/p>\r\n <p><strong>4.2 D\u00e9blocage des fonds.<\/strong> Les fonds seront mis \u00e0 disposition de l'Emprunteur dans un d\u00e9lai de 7 (sept) jours ouvr\u00e9s \u00e0 compter de la date de signature du pr\u00e9sent contrat et de la r\u00e9ception de l'ensemble des pi\u00e8ces justificatives requises.<\/p>\r\n <p><strong>4.3 Modalit\u00e9s de remboursement.<\/strong> L'Emprunteur s'engage \u00e0 rembourser des \u00e9ch\u00e9ances mensuelles de <strong>${fmtEUR(monthly)}<\/strong> \u00e0 chaque date d'\u00e9ch\u00e9ance, par pr\u00e9l\u00e8vement automatique ou virement. Le remboursement anticip\u00e9 total ou partiel est autoris\u00e9 sans p\u00e9nalit\u00e9, \u00e0 condition de notifier le Pr\u00eateur avec un pr\u00e9avis d'au moins 30 jours.<\/p>\r\n <p><strong>4.4 Frais et taxes.<\/strong> Des frais de dossier de <strong>${fmtEUR(fees)}<\/strong> sont dus \u00e0 la signature${data.feesMotif?' ('+data.feesMotif+')':''}. ${taxAmt>0?'Une taxe contractuelle de '+fmt(parseFloat(data.contractTax)||0,2)+' % soit '+fmtEUR(taxAmt)+' est applicable sur le montant emprunt\u00e9.':''} Le co\u00fbt total de l'op\u00e9ration (capital + int\u00e9r\u00eats + frais + taxes) s'\u00e9l\u00e8ve \u00e0 <strong>${fmtEUR(totalCharge)}<\/strong>.<\/p>\r\n <p><strong>4.5 P\u00e9nalit\u00e9s de retard.<\/strong> En cas de retard de paiement sup\u00e9rieur \u00e0 30 (trente) jours calendaires, des p\u00e9nalit\u00e9s \u00e9gales \u00e0 3 % du montant impay\u00e9 par mois de retard pourront \u00eatre appliqu\u00e9es. Le Pr\u00eateur se r\u00e9serve le droit de prononcer la d\u00e9ch\u00e9ance du terme, rendant la totalit\u00e9 du capital restant d\u00fb imm\u00e9diatement exigible.<\/p>\r\n <p><strong>4.6 Assurance emprunteur.<\/strong> La souscription d'une assurance d\u00e9c\u00e8s-invalidit\u00e9 est recommand\u00e9e mais non obligatoire pour ce type de pr\u00eat. Elle peut \u00eatre souscrite aupr\u00e8s de tout organisme agr\u00e9\u00e9 au choix de l'Emprunteur (loi Lagarde\/Convention AERAS pour les r\u00e9sidents fran\u00e7ais).<\/p>\r\n <p><strong>4.7 Droit de r\u00e9tractation.<\/strong> L'Emprunteur dispose d'un d\u00e9lai de r\u00e9tractation de 14 (quatorze) jours calendaires \u00e0 compter de la signature du pr\u00e9sent contrat, sans justification ni p\u00e9nalit\u00e9, conform\u00e9ment aux dispositions l\u00e9gales applicables.<\/p>\r\n <p><strong>4.8 Droit applicable et juridiction.<\/strong> Le pr\u00e9sent contrat est soumis au droit britannique (UK Law) et aux r\u00e9glementations bancaires en vigueur. Finzeia-Credito\u00ae est une marque commerciale de Lloyds Bank plc. Tout litige sera port\u00e9 devant les tribunaux anglais ou gallois comp\u00e9tents. Les parties peuvent recourir au m\u00e9diateur bancaire pr\u00e9alablement \u00e0 toute action judiciaire.<\/p>\r\n <p><strong>4.9 Protection des donn\u00e9es personnelles.<\/strong> Les donn\u00e9es personnelles de l'Emprunteur sont collect\u00e9es et trait\u00e9es par ${data.lender} en sa qualit\u00e9 de responsable de traitement, conform\u00e9ment au UK GDPR et au Data Protection Act 2018. Elles sont utilis\u00e9es aux fins de : gestion du compte, obligations r\u00e9glementaires, pr\u00e9vention de la fraude et am\u00e9lioration des services. L'Emprunteur dispose d'un droit d'acc\u00e8s, de rectification, d'opposition et de portabilit\u00e9. Pour toute demande : <strong>contact@Finzeia.com<\/strong><\/p>\r\n <p><strong>4.10 Modifications.<\/strong> Toute modification au pr\u00e9sent contrat doit faire l'objet d'un avenant sign\u00e9 par les deux parties. Aucune modification verbale ne sera consid\u00e9r\u00e9e comme opposable.<\/p>\r\n <\/div>\r\n<\/div>\r\n\r\n<div class=\"c-section\">\r\n <div class=\"c-section-title\">5. SIGNATURES \u00c9LECTRONIQUES<\/div>\r\n <div class=\"c-conditions\" style=\"margin-bottom:14px\">\r\n <p>En apposant leur signature \u00e9lectronique ci-dessous, les parties d\u00e9clarent avoir pris connaissance de l'int\u00e9gralit\u00e9 des dispositions du pr\u00e9sent contrat et en accepter toutes les conditions sans r\u00e9serve. La signature \u00e9lectronique a valeur juridique conform\u00e9ment \u00e0 l'article 1367 du Code civil fran\u00e7ais et \u00e0 l'Electronic Communications Act 2000 (UK).<\/p>\r\n <\/div>\r\n <div class=\"c-sig-section\">\r\n <div class=\"c-sig-box\">\r\n <div class=\"c-sig-label\">Signature de l'emprunteur<\/div>\r\n <div class=\"c-sig-canvas-wrap\" id=\"sigWrapBorrower\">\r\n <canvas id=\"sigCanvasBorrower\" width=\"260\" height=\"80\"><\/canvas>\r\n <\/div>\r\n <button class=\"c-sig-clear\" onclick=\"loanApp.clearSig('Borrower')\">Effacer<\/button>\r\n <div class=\"c-sig-name\">${data.fullname}<\/div>\r\n <div class=\"c-sig-date\">${ds}<\/div>\r\n <\/div>\r\n <div class=\"c-sig-box\">\r\n <div class=\"c-sig-label\">Signature du pr\u00eateur<\/div>\r\n <div class=\"c-sig-canvas-wrap\" id=\"sigWrapLender\">\r\n <canvas id=\"sigCanvasLender\" width=\"260\" height=\"80\"><\/canvas>\r\n <\/div>\r\n <button class=\"c-sig-clear\" onclick=\"loanApp.clearSig('Lender')\">Effacer<\/button>\r\n <div class=\"c-sig-name\">${data.lender}<\/div>\r\n <div class=\"c-sig-date\">${ds}<\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\r\n\r\n<div class=\"c-footer\">\r\n <div>Contrat n\u00b0 ${ref} \u2013 ${data.lender} \u2013 Document confidentiel<\/div>\r\n <div>Page 1\/1 \u2013 G\u00e9n\u00e9r\u00e9 le ${today()} via Finzeia-Credito\u00ae Digital Platform<\/div>\r\n <div class=\"c-footer-legal\">\r\n Finzeia-Credito\u00ae est une marque commerciale de Lloyds Bank plc, enregistr\u00e9e en Angleterre et au Pays de Galles (N\u00b0 2065) \u00b7 Si\u00e8ge social : Lloyds Bank plc, 5 Grem Road, London EC98V 7HN \u00b7 Adresse op\u00e9rationnelle : 5 Strand, London WC2N 5HR \u00b7 N\u00b0 enregistrement Finzeia : 03910384749 \u00b7 Donn\u00e9es trait\u00e9es conform\u00e9ment au UK GDPR et au Data Protection Act 2018. Utilisation des donn\u00e9es : gestion de compte, conformit\u00e9 r\u00e9glementaire, pr\u00e9vention fraude, am\u00e9lioration des services. Droits : acc\u00e8s, rectification, opposition, portabilit\u00e9.\r\n <\/div>\r\n<\/div>\r\n<div class=\"c-seal\">Finzeia<br>Bank<br>\u2726<br>VALID\u00c9<\/div>\r\n`;\r\n}\r\n\r\n\/* ---------------------------------------------------------------- AMORT TABLE ---------------------------------------------------------------- *\/\r\nfunction buildAmortTable(sched){\r\n let h=`<thead><tr><th>${t('amortMonth')}<\/th><th style=\"text-align:left\">${t('amortDate')}<\/th><th>${t('amortPayment')}<\/th><th>${t('amortPrincipal')}<\/th><th>${t('amortInterest')}<\/th><th>${t('amortBalance')}<\/th><\/tr><\/thead><tbody>`;\r\n sched.forEach(r=>{ h+=`<tr><td>${r.month}<\/td><td style=\"text-align:left\">${r.date}<\/td><td class=\"col-tot\">${fmt(r.payment)} \u20ac<\/td><td class=\"col-cap\">${fmt(r.capital)} \u20ac<\/td><td class=\"col-int\">${fmt(r.interest)} \u20ac<\/td><td class=\"col-bal\">${fmt(r.balance)} \u20ac<\/td><\/tr>`; });\r\n return h+'<\/tbody>';\r\n}\r\n\r\n\/* ---------------------------------------------------------------- SIGNATURE CANVAS ---------------------------------------------------------------- *\/\r\nfunction initSig(name){\r\n const canvas=document.getElementById('sigCanvas'+name); if(!canvas) return;\r\n const ctx=canvas.getContext('2d'); ctx.strokeStyle='#002C26'; ctx.lineWidth=2; ctx.lineCap='round'; ctx.lineJoin='round';\r\n sigC[name]={canvas,ctx}; sigD[name]=false;\r\n function pos(e){ const r=canvas.getBoundingClientRect(),sx=canvas.width\/r.width,sy=canvas.height\/r.height; if(e.touches) return{x:(e.touches[0].clientX-r.left)*sx,y:(e.touches[0].clientY-r.top)*sy}; return{x:(e.clientX-r.left)*sx,y:(e.clientY-r.top)*sy}; }\r\n canvas.addEventListener('mousedown',e=>{sigD[name]=true;const p=pos(e);ctx.beginPath();ctx.moveTo(p.x,p.y);e.preventDefault()});\r\n canvas.addEventListener('mousemove',e=>{if(!sigD[name])return;const p=pos(e);ctx.lineTo(p.x,p.y);ctx.stroke();e.preventDefault()});\r\n canvas.addEventListener('mouseup',()=>{sigD[name]=false;ctx.beginPath()});\r\n canvas.addEventListener('mouseleave',()=>{sigD[name]=false;ctx.beginPath()});\r\n canvas.addEventListener('touchstart',e=>{sigD[name]=true;const p=pos(e);ctx.beginPath();ctx.moveTo(p.x,p.y);e.preventDefault()},{passive:false});\r\n canvas.addEventListener('touchmove',e=>{if(!sigD[name])return;const p=pos(e);ctx.lineTo(p.x,p.y);ctx.stroke();e.preventDefault()},{passive:false});\r\n canvas.addEventListener('touchend',()=>{sigD[name]=false;ctx.beginPath()});\r\n}\r\n\r\n\/* ---------------------------------------------------------------- GENERATE ---------------------------------------------------------------- *\/\r\nfunction generate(){\r\n if(!validate()) return;\r\n loader(true,t('loaderText')); setStep(2);\r\n setTimeout(function(){\r\n const g=id=>document.getElementById(id);\r\n const data={\r\n fullname:g('fullname').value.trim(), email:g('email').value.trim(),\r\n phone:g('phone').value.trim(), nationality:g('nationality').value.trim(),\r\n address:g('address').value.trim(), idnum:g('idnum').value.trim(),\r\n contractDate:g('contractDate').value,\r\n amount:parseFloat(g('amount').value),\r\n duration:parseInt(g('duration').value),\r\n rate:parseFloat(g('rate').value),\r\n loanType:g('loanType').value, purpose:g('purpose').value.trim(),\r\n lender:g('lender').value.trim(), lenderRegNum:g('lenderRegNum').value.trim(),\r\n lenderAddress:g('lenderAddress').value.trim(), lenderEmail:g('lenderEmail').value.trim(),\r\n lenderPhone:g('lenderPhone').value.trim(),\r\n contractFees:g('contractFees').value, contractTax:g('contractTax').value,\r\n feesMotif:g('feesMotif').value.trim(),\r\n firstPaymentDate:g('firstPaymentDate')?g('firstPaymentDate').value:''\r\n };\r\n amortData=buildAmort(data.amount,data.rate,data.duration,data.contractDate);\r\n document.getElementById('contract-preview').innerHTML=buildContract(data,amortData);\r\n document.getElementById('amortTable').innerHTML=buildAmortTable(amortData);\r\n document.getElementById('form-section').style.display='none';\r\n document.getElementById('contract-section').classList.add('visible');\r\n setTimeout(()=>{ initSig('Borrower'); initSig('Lender'); },120);\r\n setStep(3); loader(false); toast(t('toastGenerated'),'success');\r\n document.getElementById('contract-section').scrollIntoView({behavior:'smooth',block:'start'});\r\n },1100);\r\n}\r\n\r\n\/* ---------------------------------------------------------------- BACK ---------------------------------------------------------------- *\/\r\nfunction backToForm(){\r\n document.getElementById('form-section').style.display='';\r\n document.getElementById('contract-section').classList.remove('visible');\r\n document.getElementById('amortTableWrap').classList.remove('open');\r\n document.getElementById('amortToggle').classList.remove('open');\r\n goToFormStep(3);\r\n document.getElementById('form-section').scrollIntoView({behavior:'smooth'});\r\n}\r\n\r\n\/* ---------------------------------------------------------------- TOGGLE AMORT ---------------------------------------------------------------- *\/\r\nfunction toggleAmort(){\r\n document.getElementById('amortToggle').classList.toggle('open');\r\n document.getElementById('amortTableWrap').classList.toggle('open');\r\n}\r\n\r\n\/* ---------------------------------------------------------------- CLEAR SIGNATURE ---------------------------------------------------------------- *\/\r\nfunction clearSig(name){ const c=sigC[name]; if(c) c.ctx.clearRect(0,0,c.canvas.width,c.canvas.height); }\r\n\r\n\/* ---------------------------------------------------------------- PDF \u2013 real download (html2canvas + jsPDF) ---------------------------------------------------------------- *\/\r\nasync function printPDF(){\r\n const preview=document.getElementById('contract-preview');\r\n if(!preview||!preview.innerHTML.trim()){ toast(\"Veuillez d'abord g\u00e9n\u00e9rer le contrat\",'error'); return; }\r\n loader(true,'G\u00e9n\u00e9ration du PDF\u2026');\r\n try{\r\n const clone=preview.cloneNode(true);\r\n ['Borrower','Lender'].forEach(name=>{\r\n const orig=document.getElementById('sigCanvas'+name);\r\n if(orig){\r\n const ci=clone.querySelector('#sigCanvas'+name);\r\n if(ci){ const ni=document.createElement('img'); ni.src=orig.toDataURL('image\/png'); ni.style.cssText='max-width:260px;max-height:80px;display:block;margin:0 auto'; ci.replaceWith(ni); }\r\n }\r\n });\r\n clone.id='_pdf_tmp';\r\n clone.style.cssText='position:fixed;left:-9999px;top:0;width:794px;background:#fff;padding:52px 58px;color:#1a1a1a;font-family:Georgia,serif;font-size:13px;z-index:-9999;pointer-events:none';\r\n document.body.appendChild(clone);\r\n const cvs=await html2canvas(clone,{scale:2,useCORS:true,allowTaint:true,backgroundColor:'#ffffff',logging:false});\r\n document.body.removeChild(clone);\r\n const{jsPDF}=window.jspdf;\r\n const pdf=new jsPDF({orientation:'p',unit:'mm',format:'a4'});\r\n const pw=pdf.internal.pageSize.getWidth();\r\n const ph=pdf.internal.pageSize.getHeight();\r\n const iw=pw;\r\n const ih=cvs.height*pw\/cvs.width;\r\n const imgData=cvs.toDataURL('image\/jpeg',0.92);\r\n if(ih<=ph){\r\n pdf.addImage(imgData,'JPEG',0,0,iw,ih);\r\n } else {\r\n const pages=Math.ceil(ih\/ph);\r\n for(let p=0;p<pages;p++){\r\n if(p>0) pdf.addPage();\r\n pdf.addImage(imgData,'JPEG',0,-(p*ph),iw,ih);\r\n }\r\n }\r\n pdf.save('contrat-Finzeia.pdf');\r\n loader(false);\r\n toast('\u2713 PDF t\u00e9l\u00e9charg\u00e9 !','success');\r\n }catch(e){\r\n loader(false);\r\n console.error('PDF error:',e);\r\n toast('Erreur lors de la g\u00e9n\u00e9ration du PDF','error');\r\n }\r\n \/* REMOVED: old popup window approach *\/\r\n if(false){\r\n const win=window.open('','_blank','width=900,height=750');\r\n if(!win){ toast('Veuillez autoriser les popups pour ce site','error'); return; }\r\n win.document.write(`<!DOCTYPE html>\r\n<html><head><meta charset=\"UTF-8\"><title>Contrat Finzeia-Credito\u00ae<\/title>\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Montserrat:wght@400;600;700;800;900&family=Raleway:wght@400;600&display=swap\" rel=\"stylesheet\"\/>\r\n<style>\r\n*{box-sizing:border-box;margin:0;padding:0}\r\nbody{font-family:Georgia,'Times New Roman',serif;font-size:13pt;color:#1a1a1a;background:#fff;padding:18mm 20mm}\r\n.c-header{display:flex;align-items:flex-start;justify-content:space-between;border-bottom:3px solid #002C26;padding-bottom:18px;margin-bottom:22px;gap:16px}\r\n.c-logo-img{height:44px;background:#002C26;padding:5px 9px;border-radius:6px}\r\n.c-logo-tag{font-family:Raleway,Montserrat,sans-serif;font-size:9pt;font-weight:600;color:#417949;margin-top:3px;letter-spacing:0.5px}\r\n.c-contact-block{font-family:Montserrat,sans-serif;font-size:9.5pt;color:#444;line-height:1.9;margin-top:7px}\r\n.c-contact-block a{color:#002C26;text-decoration:none}\r\n.c-ref-block{text-align:right;font-family:Montserrat,sans-serif;flex-shrink:0}\r\n.c-ref-num{font-size:11pt;font-weight:700;color:#002C26}\r\n.c-ref-date{font-size:9.5pt;color:#888;margin-top:3px}\r\n.c-ref-badge{margin-top:4px;padding:2px 9px;background:#f0faeb;border-radius:4px;font-weight:700;color:#417949;font-size:9pt;display:inline-block}\r\n.c-title{text-align:center;font-family:Montserrat,sans-serif;font-size:16pt;font-weight:800;letter-spacing:1px;text-transform:uppercase;color:#002C26;padding:13px 0;margin-bottom:16px;border:2px solid #002C26;border-radius:5px;background:#f6faf0}\r\n.c-section{margin-bottom:20px}\r\n.c-section-title{font-family:Montserrat,sans-serif;font-size:9pt;font-weight:800;letter-spacing:2px;text-transform:uppercase;color:#002C26;border-left:4px solid #DCF962;padding-left:9px;margin-bottom:11px}\r\n.c-info-grid{display:grid;grid-template-columns:1fr 1fr;gap:7px 26px}\r\n.c-info-row{display:flex;gap:5px;margin-bottom:2px}\r\n.c-info-key{font-family:Montserrat,sans-serif;font-size:9pt;font-weight:700;color:#888;text-transform:uppercase;letter-spacing:0.4px;min-width:106px;flex-shrink:0}\r\n.c-info-val{font-size:11.5pt;color:#1a1a1a;word-break:break-word}\r\n.c-hl-box{background:#f0faeb;border:1.5px solid #B9E676;border-radius:7px;padding:14px 16px;margin:12px 0;display:grid;grid-template-columns:repeat(3,1fr);gap:10px;text-align:center}\r\n.c-hl-label{font-family:Montserrat,sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:1.2px;text-transform:uppercase;color:#888}\r\n.c-hl-val{font-family:Montserrat,sans-serif;font-size:18pt;font-weight:900;color:#002C26;margin:3px 0 2px}\r\n.c-hl-unit{font-size:8.5pt;color:#999}\r\ntable{width:100%;border-collapse:collapse;font-size:10pt}\r\nth{background:#002C26;color:#fff;font-family:Montserrat,sans-serif;font-size:8.5pt;font-weight:700;letter-spacing:0.8px;text-transform:uppercase;padding:8px 9px;text-align:left}\r\ntd{padding:7px 9px;border-bottom:1px solid #e8eeea;vertical-align:middle}\r\ntr:nth-child(even) td{background:#f8fdf5}\r\n.c-conditions{font-size:11pt;line-height:1.8;color:#444;text-align:justify}\r\n.c-conditions p{margin-bottom:9pt}\r\n.c-conditions strong{color:#002C26}\r\n.c-sig-section{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:24px}\r\n.c-sig-box{text-align:center;border:1pt dashed #ccc;border-radius:5px;padding:12px}\r\n.c-sig-label{font-family:Montserrat,sans-serif;font-size:9pt;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:#888;margin-bottom:8px}\r\n.c-sig-name{font-size:11pt;font-weight:700;color:#1a1a1a;margin-top:6px}\r\n.c-sig-date{font-size:9.5pt;color:#888;margin-top:2px}\r\n.c-sig-clear{display:none}\r\n.c-seal{width:62px;height:62px;border-radius:50%;border:2.5px solid rgba(65,121,73,0.22);display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;font-family:Montserrat,sans-serif;font-size:6.5pt;font-weight:700;letter-spacing:0.8px;text-transform:uppercase;color:rgba(65,121,73,0.45);position:fixed;right:22mm;bottom:40mm;transform:rotate(-15deg);line-height:1.4}\r\n.c-footer{margin-top:28pt;padding-top:10pt;border-top:1px solid #e0e0e0;font-family:Montserrat,sans-serif;font-size:8pt;color:#bbb;letter-spacing:0.3px;line-height:1.6}\r\n.c-footer-legal{margin-top:6pt;font-size:7pt;color:#ccc;border-top:1px solid #f0f0f0;padding-top:6pt;line-height:1.6}\r\n#contract-preview::before{display:none}\r\n@media print{body{padding:10mm 12mm}.c-seal{position:fixed}}\r\n<\/style><\/head>\r\n<body>${html}\r\n<script>window.onload=function(){setTimeout(function(){window.print()},400)}<\\\/script>\r\n<\/body><\/html>`);\r\n win.document.close();\r\n } \/* end if(false) *\/\r\n} \/* end printPDF *\/\r\n\r\n\/* ---------------------------------------------------------------- WORD ---------------------------------------------------------------- *\/\r\nfunction downloadWord(){\r\n const preview=document.getElementById('contract-preview'); if(!preview) return;\r\n let html=preview.innerHTML;\r\n ['Borrower','Lender'].forEach(name=>{\r\n const canvas=document.getElementById('sigCanvas'+name);\r\n if(canvas){ const d=canvas.toDataURL('image\/png'); html=html.replace(new RegExp('<canvas id=\"sigCanvas'+name+'\"[^>]*><\/canvas>'),'<img decoding=\"async\" src=\"'+d+'\" style=\"max-width:240px;max-height:75px\">'); }\r\n });\r\n const doc=`<html xmlns:o='urn:schemas-microsoft-com:office:office' xmlns:w='urn:schemas-microsoft-com:office:word' xmlns='http:\/\/www.w3.org\/TR\/REC-html40'><head><meta charset='utf-8'><style>body{font-family:Georgia,serif;font-size:12pt;color:#1a1a1a;margin:2cm}.c-logo-img{height:40px;background:#002C26;padding:5px 9px;border-radius:5px}.c-title{font-size:13pt;font-weight:bold;text-align:center;border:2px solid #002C26;padding:10pt;margin:12pt 0;font-family:Montserrat,Arial,sans-serif}.c-section-title{font-size:9pt;font-weight:bold;border-left:4px solid #DCF962;padding-left:8px;margin:13pt 0 8pt;letter-spacing:1px;text-transform:uppercase;color:#002C26;font-family:Montserrat,Arial,sans-serif}table{width:100%;border-collapse:collapse;font-size:10pt}th{background:#002C26;color:#fff;padding:6pt 8pt;text-align:left;font-family:Montserrat,Arial,sans-serif}td{padding:5pt 8pt;border-bottom:1px solid #eee}.c-hl-box{background:#f0faeb;border:1pt solid #B9E676;padding:10pt;margin:10pt 0}.c-conditions p{margin-bottom:8pt;line-height:1.6;font-size:10.5pt;text-align:justify}.c-footer{margin-top:24pt;border-top:1pt solid #ccc;font-size:8pt;color:#aaa;padding-top:5pt}.c-sig-clear{display:none}.c-seal{display:none}.c-info-grid{display:table;width:100%}<\/style><\/head><body>${html}<\/body><\/html>`;\r\n const blob=new Blob([doc],{type:'application\/msword'});\r\n const url=URL.createObjectURL(blob);\r\n const a=document.createElement('a'); a.href=url; a.download='contrat-Finzeia.doc';\r\n document.body.appendChild(a); a.click(); document.body.removeChild(a); URL.revokeObjectURL(url);\r\n toast(t('toastWordDl'),'success');\r\n}\r\n\r\n\/* ---------------------------------------------------------------- LANG ---------------------------------------------------------------- *\/\r\nfunction switchLang(l){\r\n lang=l;\r\n document.querySelectorAll('.lang-btn').forEach(b=>b.classList.toggle('active',b.dataset.lang===l));\r\n document.querySelectorAll('[data-i18n]').forEach(el=>{ const v=t(el.dataset.i18n); if(v) el.innerHTML=v; });\r\n document.querySelectorAll('select option[data-i18n]').forEach(opt=>{ const v=t(opt.dataset.i18n); if(v) opt.textContent=v; });\r\n updateLive();\r\n}\r\n\r\n\/* ---------------------------------------------------------------- INIT ---------------------------------------------------------------- *\/\r\nfunction init(){\r\n goToFormStep(1);\r\n const todayStr=new Date().toISOString().split('T')[0];\r\n document.getElementById('contractDate').value=todayStr;\r\n const fp=document.getElementById('firstPaymentDate');\r\n if(fp){ const d=new Date(); d.setMonth(d.getMonth()+1); fp.value=d.toISOString().split('T')[0]; }\r\n \/\/ Default lender to Finzeia\r\n const lenderEl=document.getElementById('lender'); if(lenderEl&&!lenderEl.value) lenderEl.value='Finzeia-Credito\u00ae';\r\n const laEl=document.getElementById('lenderAddress'); if(laEl&&!laEl.value) laEl.value='5 Strand, London WC2N 5HR, United Kingdom';\r\n const leEl=document.getElementById('lenderEmail'); if(leEl&&!leEl.value) leEl.value='banking@Finzeia.com';\r\n const lpEl=document.getElementById('lenderPhone'); if(lpEl&&!lpEl.value) lpEl.value='(334) 469-5555';\r\n const lrEl=document.getElementById('lenderRegNum'); if(lrEl&&!lrEl.value) lrEl.value='03910384749';\r\n \/\/ Sync sliders\r\n syncPair('duration','durationNum');\r\n syncPair('rate','rateNum');\r\n \/\/ Amount listener\r\n const amtEl=document.getElementById('amount'); if(amtEl) amtEl.addEventListener('input',updateLive);\r\n \/\/ Lang buttons\r\n document.querySelectorAll('.lang-btn').forEach(b=>b.addEventListener('click',function(){ switchLang(this.dataset.lang); }));\r\n \/\/ Clear invalid on input\r\n document.querySelectorAll('.field input,.field select').forEach(el=>{\r\n el.addEventListener('input',function(){ const b=document.getElementById('f-'+this.id); if(b) b.classList.remove('invalid'); });\r\n });\r\n updateLive();\r\n}\r\n\r\nwindow.loanApp={ generate, backToForm, toggleAmort, clearSig, printPDF, downloadWord, nextStep, prevStep };\r\nif(document.readyState==='loading') document.addEventListener('DOMContentLoaded',init); else init();\r\n\r\n})();\r\n<\/script>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dc5d340 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"dc5d340\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e2b6c8a e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"e2b6c8a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{"background_background":"classic"}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bed88d3 elementor-widget elementor-widget-heading\" data-id=\"bed88d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fonctionnalit\u00e9s principales\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80c431a elementor-widget elementor-widget-image\" data-id=\"80c431a\" 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 fetchpriority=\"high\" decoding=\"async\" width=\"1920\" height=\"826\" src=\"https:\/\/finzeia.com\/wp-content\/uploads\/2025\/01\/H1-1.jpg\" class=\"attachment-full size-full wp-image-422\" alt=\"\" srcset=\"https:\/\/finzeia.com\/wp-content\/uploads\/2025\/01\/H1-1.jpg 1920w, https:\/\/finzeia.com\/wp-content\/uploads\/2025\/01\/H1-1-300x129.jpg 300w, https:\/\/finzeia.com\/wp-content\/uploads\/2025\/01\/H1-1-1024x441.jpg 1024w, https:\/\/finzeia.com\/wp-content\/uploads\/2025\/01\/H1-1-768x330.jpg 768w, https:\/\/finzeia.com\/wp-content\/uploads\/2025\/01\/H1-1-1536x661.jpg 1536w, https:\/\/finzeia.com\/wp-content\/uploads\/2025\/01\/H1-1-600x258.jpg 600w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\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-20e70fb elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"20e70fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\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 class=\"elementor-element elementor-element-f383170 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"f383170\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Gestion du compte en ligne 24h\/24<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Carte bancaire Visa ou Mastercard internationale <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Virements SEPA et SWIFT Application mobile s\u00e9curis\u00e9e <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Protection antifraude et authentification forte<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-81dc382 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"81dc382\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f78c43c elementor-widget-mobile__width-inherit wpr-button-icon-style-inline wpr-button-icon-position-right elementor-widget elementor-widget-wpr-button\" data-id=\"f78c43c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpr-button.default\">\n\t\t\t\t\t\t\n\t\t\t\n\t\t\n\t\t<div class=\"wpr-button-wrap elementor-clearfix\">\n\t\t<a class=\"wpr-button wpr-button-effect wpr-button-none\" data-text=\"\" href=\"\/inscription\/\">\n\t\t\t\n\t\t\t<span class=\"wpr-button-content\">\n\t\t\t\t\t\t\t\t\t<span class=\"wpr-button-text\">Commencer avec nous<\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<span class=\"wpr-button-icon\"><svg class=\"e-font-icon-svg e-fas-user-plus\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M624 208h-64v-64c0-8.8-7.2-16-16-16h-32c-8.8 0-16 7.2-16 16v64h-64c-8.8 0-16 7.2-16 16v32c0 8.8 7.2 16 16 16h64v64c0 8.8 7.2 16 16 16h32c8.8 0 16-7.2 16-16v-64h64c8.8 0 16-7.2 16-16v-32c0-8.8-7.2-16-16-16zm-400 48c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm89.6 32h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48v-41.6c0-74.2-60.2-134.4-134.4-134.4z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\n\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d88e331 elementor-widget-mobile__width-inherit wpr-button-icon-style-inline wpr-button-icon-position-right elementor-widget elementor-widget-wpr-button\" data-id=\"d88e331\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpr-button.default\">\n\t\t\t\t\t\t\n\t\t\t\n\t\t\n\t\t<div class=\"wpr-button-wrap elementor-clearfix\">\n\t\t<a class=\"wpr-button wpr-button-effect wpr-button-none\" data-text=\"\" href=\"\/login\/\">\n\t\t\t\n\t\t\t<span class=\"wpr-button-content\">\n\t\t\t\t\t\t\t\t\t<span class=\"wpr-button-text\">Se connecter<\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<span class=\"wpr-button-icon\"><svg class=\"e-font-icon-svg e-fas-arrow-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm-28.9 143.6l75.5 72.4H120c-13.3 0-24 10.7-24 24v16c0 13.3 10.7 24 24 24h182.6l-75.5 72.4c-9.7 9.3-9.9 24.8-.4 34.3l11 10.9c9.4 9.4 24.6 9.4 33.9 0L404.3 273c9.4-9.4 9.4-24.6 0-33.9L271.6 106.3c-9.4-9.4-24.6-9.4-33.9 0l-11 10.9c-9.5 9.6-9.3 25.1.4 34.4z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\n\t\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-bb7ad8f e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"bb7ad8f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{"background_background":"classic"}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9462b8a elementor-widget elementor-widget-heading\" data-id=\"9462b8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Obtenez une consultation gratuite\u00a0?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3450bb elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f3450bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\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 class=\"elementor-element elementor-element-01e69c7 elementor-button-align-center elementor-widget elementor-widget-form\" data-id=\"01e69c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{"step_next_label":"Next","step_previous_label":"Previous","button_width":"100","step_type":"number_text","step_icon_shape":"circle"}\" data-widget_type=\"form.default\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"Formulaire: Contract Bancaires\" aria-label=\"Formulaire: Contract Bancaires\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"21102\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"01e69c7\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Finzeia-Credito\u00ae\" \/>\n\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-select elementor-field-group elementor-column elementor-field-group-services elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-services\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tServices\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field elementor-select-wrapper remove-before \">\n\t\t\t<div class=\"select-caret-down-wrapper\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-caret-down\" viewBox=\"0 0 571.4 571.4\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M571 393Q571 407 561 418L311 668Q300 679 286 679T261 668L11 418Q0 407 0 393T11 368 36 357H536Q550 357 561 368T571 393Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t\t<select name=\"form_fields[services]\" id=\"form-field-services\" class=\"elementor-field-textual elementor-size-sm\" required=\"required\">\n\t\t\t\t\t\t\t\t\t<option value=\"Comptes Bancaires\">Comptes Bancaires<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Investissement & Gestion de Patrimoine \">Investissement & Gestion de Patrimoine <\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Solutions de Financement\">Solutions de Financement<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Autres\">Autres<\/option>\n\t\t\t\t\t\t\t<\/select>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tNom complet\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-sm elementor-field-textual\" placeholder=\"Nom & Pr\u00e9nom\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tEmail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm elementor-field-textual\" placeholder=\"Email\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-tel elementor-field-group elementor-column elementor-field-group-phone elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-phone\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tN\u00b0 T\u00e9l\u00e9phone\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<input size=\"1\" type=\"tel\" name=\"form_fields[phone]\" id=\"form-field-phone\" class=\"elementor-field elementor-size-sm elementor-field-textual\" placeholder=\"N\u00b0 T\u00e9l\u00e9phone\" pattern=\"[0-9()#&+*-=.]+\" title=\"Only numbers and phone characters (#, -, *, etc) are accepted.\">\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-message elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-message\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tMessage\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field elementor-size-sm\" name=\"form_fields[message]\" id=\"form-field-message\" rows=\"4\" placeholder=\"Message\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Envoyer<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\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\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Accueil \/ Contract Bancaires Finzeia-Credito\u00ae Contrat de Pr\u00eat G\u00e9n\u00e9ration du contrat Finzeia Finzeia-Credito\u00ae Secure Digital Banking for Individuals & Professionals Contrat de Pr\u00eat Personnalis\u00e9 G\u00e9n\u00e9rez votre contrat professionnel en quelques secondes. FR EN ES DE NL PT LT 1 Informations 2 Calcul 3 Contrat Informations Emprunteur Coordonn\u00e9es personnelles de l’emprunteur Nom complet Ce champ est requis Adresse e-mail Email invalide T\u00e9l\u00e9phone Ce champ est requis Nationalit\u00e9 Ce champ est requis Adresse postale compl\u00e8te Ce champ est requis Pi\u00e8ce d’identit\u00e9 n\u00b0 Ce champ est requis Date du contrat Ce champ est requis Suivant \u2192 Informations Pr\u00eateur \/ Organisme Coordonn\u00e9es compl\u00e8tes de l’organisme pr\u00eateur Nom du pr\u00eateur \/ organisme Ce champ est requis N\u00b0 d’enregistrement Adresse du pr\u00eateur Ce champ est requis E-mail du pr\u00eateur Email invalide T\u00e9l\u00e9phone du pr\u00eateur \u2190 Retour Suivant \u2192 D\u00e9tails du Pr\u00eat Conditions financi\u00e8res du financement Montant du pr\u00eat (\u20ac) Montant entre 500 \u20ac et 500 000 \u20ac Type de pr\u00eat Pr\u00eat personnelPr\u00eat immobilierPr\u00eat automobilePr\u00eat \u00e9tudiantPr\u00eat professionnel Dur\u00e9e de remboursement mois De 3 \u00e0 360 mois Taux d’int\u00e9r\u00eat annuel % De 0.1 % \u00e0 25 % annuel Objet du pr\u00eat Ce champ est requis Frais de dossier (\u20ac) Frais fixes de traitement du dossier Taxe sur contrat (%) Taxe applicable sur le montant emprunt\u00e9 Motif et description des frais 1\u00e8re date d’\u00e9ch\u00e9ance Date de la premi\u00e8re mensualit\u00e9 (modifiable) Mensualit\u00e9 \u20ac \/ mois Co\u00fbt total \u20ac Int\u00e9r\u00eats \u20ac \u2190 Retour G\u00e9n\u00e9rer le contrat Contrat g\u00e9n\u00e9r\u00e9 Modifier Word (.doc) T\u00e9l\u00e9charger PDF Tableau d’amortissement complet Fonctionnalit\u00e9s principales Gestion du compte en ligne 24h\/24 Carte bancaire Visa ou Mastercard internationale Virements SEPA et SWIFT Application mobile s\u00e9curis\u00e9e Protection antifraude et authentification forte Commencer avec nous Se connecter Obtenez une consultation gratuite\u00a0?<\/p>","protected":false},"author":1,"featured_media":0,"parent":20707,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"footnotes":""},"class_list":["post-21102","page","type-page","status-publish","hentry"],"yoast_head":"\n<title>Contract Bancaires - Finzeia-Credito\u00ae<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/finzeia.com\/it\/services\/contract-bancaires\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Contract Bancaires\" \/>\n<meta property=\"og:description\" content=\"Accueil \/ Contract Bancaires Finzeia-Credito\u00ae Contrat de Pr\u00eat G\u00e9n\u00e9ration du contrat Finzeia Finzeia-Credito\u00ae Secure Digital Banking for Individuals & Professionals Contrat de Pr\u00eat Personnalis\u00e9 G\u00e9n\u00e9rez votre contrat professionnel en quelques secondes. 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.step-dot{background:var(--green);border-color:var(--green);color:#fff}\r\n.step-label{font-size:10px;font-weight:600;letter-spacing:0.4px;color:var(--muted);text-align:center;transition:var(--tr)}\r\n.step-item.active .step-label{color:var(--accent)}\r\n.step-item.done .step-label{color:var(--grad)}\r\n\r\n\/* ============================================================ CARDS ============================================================ *\/\r\n.card{background:var(--surf);border:1px solid var(--border);border-radius:var(--r);padding:28px 32px;box-shadow:var(--shadow);margin-bottom:20px;animation:fadeUp 0.35s ease both}\r\n@media(max-width:600px){.card{padding:18px 14px}}\r\n@keyframes fadeUp{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:translateY(0)}}\r\n.card-title{font-size:16px;font-weight:700;color:var(--accent);margin-bottom:5px;display:flex;align-items:center;gap:9px}\r\n.card-title .icon{width:30px;height:30px;border-radius:7px;background:rgba(220,249,98,0.10);display:flex;align-items:center;justify-content:center;font-size:14px}\r\n.card-subtitle{font-size:12px;color:var(--muted);margin-bottom:22px}\r\n\r\n\/* ============================================================ FORM GRID ============================================================ *\/\r\n.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px 20px}\r\n@media(max-width:640px){.form-grid{grid-template-columns:1fr}}\r\n.form-grid .full{grid-column:1\/-1}\r\n.field{display:flex;flex-direction:column;gap:6px}\r\n.field label{font-size:11px;font-weight:700;letter-spacing:0.9px;text-transform:uppercase;color:var(--label)}\r\n.field input,.field select,.field textarea{\r\n background:var(--surf2);border:1.5px solid var(--border);\r\n border-radius:var(--rs);color:var(--text);font-family:var(--font);\r\n font-size:14px;padding:11px 14px;width:100%;outline:none;\r\n transition:var(--tr);appearance:none;-webkit-appearance:none;\r\n}\r\n.field select{\r\n background-image:url(\"data:image\/svg+xml,%3Csvg xmlns='http:\/\/www.w3.org\/2000\/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23DCF962' stroke-width='1.8' fill='none' stroke-linecap='round' stroke-linejoin='round'\/%3E%3C\/svg%3E\");\r\n background-repeat:no-repeat;background-position:right 12px center;padding-right:36px;cursor:pointer;\r\n}\r\n.field select option{background:var(--surf2);color:var(--text)}\r\n.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--accent);box-shadow:0 0 0 3px rgba(220,249,98,0.10)}\r\n.field input::placeholder{color:rgba(240,255,244,0.28)}\r\n.field .hint{font-size:11px;color:var(--muted)}\r\n.field .error-msg{font-size:11px;color:#FF6B6B;display:none}\r\n.field.invalid input,.field.invalid select{border-color:#FF6B6B}\r\n.field.invalid .error-msg{display:block}\r\n\r\n\/* Slider + number input row *\/\r\n.slider-row{display:flex;align-items:center;gap:12px}\r\n.slider-row input[type=\"range\"]{\r\n flex:1;-webkit-appearance:none;appearance:none;\r\n height:5px;border-radius:3px;background:var(--surf2);\r\n border:none;padding:0;outline:none;cursor:pointer;accent-color:var(--accent);\r\n}\r\n.slider-row input[type=\"range\"]::-webkit-slider-thumb{\r\n -webkit-appearance:none;width:20px;height:20px;border-radius:50%;\r\n background:var(--accent);box-shadow:0 1px 4px rgba(220,249,98,0.18);cursor:pointer;\r\n}\r\n.slider-val-box{\r\n display:flex;align-items:center;gap:5px;\r\n background:var(--bg);border:1.5px solid var(--accent);\r\n border-radius:var(--rs);padding:5px 10px;min-width:90px;\r\n}\r\n.slider-val-box input[type=\"number\"]{\r\n background:transparent;border:none;color:var(--accent);\r\n font-family:var(--font);font-size:15px;font-weight:800;\r\n width:52px;text-align:right;padding:2px 0;outline:none;\r\n -moz-appearance:textfield;\r\n}\r\n.slider-val-box input[type=\"number\"]::-webkit-inner-spin-button,\r\n.slider-val-box input[type=\"number\"]::-webkit-outer-spin-button{opacity:0;pointer-events:none}\r\n.slider-unit{font-size:11px;font-weight:600;color:var(--muted);white-space:nowrap}\r\n\r\n\/* Step wizard navigation *\/\r\n.step-nav{display:flex;align-items:center;justify-content:space-between;margin-top:22px;gap:12px}\r\n.step-nav .btn:only-child{margin-left:auto}\r\n\r\n\/* ============================================================ PILLS ============================================================ *\/\r\n.live-summary{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:22px}\r\n@media(max-width:500px){.live-summary{grid-template-columns:1fr 1fr}}\r\n.pill{background:var(--surf2);border:1px solid var(--border);border-radius:11px;padding:14px 12px;text-align:center;transition:var(--tr)}\r\n.pill:hover{border-color:var(--accent)}\r\n.pill-label{font-size:9px;font-weight:700;letter-spacing:1px;color:var(--muted);text-transform:uppercase;margin-bottom:5px}\r\n.pill-val{font-size:19px;font-weight:800;color:var(--accent);line-height:1}\r\n.pill-unit{font-size:10px;color:var(--muted);margin-top:3px}\r\n\r\n\/* ============================================================ BUTTONS ============================================================ *\/\r\n.btn{display:inline-flex;align-items:center;justify-content:center;gap:7px;font-family:var(--font);font-size:13px;font-weight:700;letter-spacing:0.4px;padding:13px 26px;border-radius:50px;cursor:pointer;border:none;transition:var(--tr);position:relative;overflow:hidden;white-space:nowrap;text-decoration:none}\r\n.btn::after{content:'';position:absolute;inset:0;background:rgba(255,255,255,0);transition:var(--tr)}\r\n.btn:hover::after{background:rgba(255,255,255,0.07)}\r\n.btn:active{transform:scale(0.97)}\r\n.btn-primary{background:linear-gradient(135deg,var(--accent) 0%,var(--grad) 100%);color:var(--bg);box-shadow:0 2px 10px rgba(220,249,98,0.18)}\r\n.btn-primary:hover{box-shadow:0 3px 14px rgba(220,249,98,0.28);transform:translateY(-1px)}\r\n.btn-secondary{background:transparent;color:var(--accent);border:1.5px solid var(--accent)}\r\n.btn-secondary:hover{background:rgba(220,249,98,0.07)}\r\n.btn-ghost{background:var(--surf2);color:var(--label);border:1.5px solid var(--border)}\r\n.btn-ghost:hover{color:var(--text);border-color:rgba(220,249,98,0.4)}\r\n.btn-lg{padding:16px 38px;font-size:15px}\r\n.btn-sm{padding:8px 18px;font-size:12px}\r\n\r\n\/* ============================================================ LOADER ============================================================ *\/\r\n.loader-overlay{position:fixed;inset:0;background:rgba(0,44,38,0.90);backdrop-filter:blur(8px);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:20px;z-index:9999;opacity:0;pointer-events:none;transition:opacity 0.3s}\r\n.loader-overlay.active{opacity:1;pointer-events:all}\r\n.loader-ring{width:56px;height:56px;border-radius:50%;border:3px solid rgba(220,249,98,0.16);border-top-color:var(--accent);animation:spin 0.85s linear infinite}\r\n@keyframes spin{to{transform:rotate(360deg)}}\r\n.loader-text{font-size:13px;font-weight:600;color:var(--muted)}\r\n\r\n\/* ============================================================ CONTRACT SECTION ============================================================ *\/\r\n#contract-section{display:none}\r\n#contract-section.visible{display:block}\r\n.contract-toolbar{display:flex;flex-wrap:wrap;gap:10px;align-items:center;justify-content:space-between;margin-bottom:20px}\r\n.contract-toolbar h2{font-size:18px;font-weight:800;color:var(--text)}\r\n\r\n\/* A4 preview *\/\r\n#contract-preview{\r\n background:#fff;color:#1a1a1a;\r\n border-radius:4px;box-shadow:0 4px 16px rgba(0,0,0,0.20);\r\n padding:52px 58px;max-width:794px;margin:0 auto 28px;\r\n font-family:'Georgia','Times New Roman',serif;font-size:13px;\r\n line-height:1.72;position:relative;\r\n}\r\n@media(max-width:860px){#contract-preview{padding:28px 18px}}\r\n#contract-preview::before{\r\n content:'CONFIDENTIEL';\r\n position:absolute;top:50%;left:50%;\r\n transform:translate(-50%,-50%) rotate(-35deg);\r\n font-size:72px;font-weight:900;letter-spacing:8px;\r\n color:rgba(0,0,0,0.035);white-space:nowrap;pointer-events:none;font-family:var(--font);\r\n}\r\n\r\n\/* Contract elements *\/\r\n.c-header{display:flex;align-items:flex-start;justify-content:space-between;border-bottom:3px solid #002C26;padding-bottom:20px;margin-bottom:24px;gap:16px;flex-wrap:wrap}\r\n.c-logo-img{height:36px;background:#002C26;padding:4px 8px;border-radius:6px;display:block;width: 20%;}\r\n.c-logo-tag{font-family:var(--font);font-size:9px;font-weight:600;letter-spacing:2px;text-transform:uppercase;color:#417949;margin-top:4px;font-family:'Raleway',var(--font)}\r\n.c-contact-block{font-family:var(--font);font-size:10.5px;color:#444;line-height:1.9;margin-top:8px}\r\n.c-contact-block a{color:#002C26;text-decoration:none}\r\n.c-ref-block{text-align:right;font-family:var(--font);flex-shrink:0}\r\n.c-ref-num{font-size:12px;font-weight:700;color:#002C26}\r\n.c-ref-date{font-size:11px;color:#888;margin-top:3px}\r\n.c-ref-badge{margin-top:5px;padding:3px 10px;background:#f0faeb;border-radius:4px;font-weight:700;color:#417949;font-size:10px;display:inline-block}\r\n\r\n.c-title{text-align:center;font-family:var(--font);font-size:17px;font-weight:800;letter-spacing:1px;text-transform:uppercase;color:#002C26;padding:15px 0;margin-bottom:18px;border:2px solid #002C26;border-radius:6px;background:#f6faf0}\r\n.c-section{margin-bottom:24px}\r\n.c-section-title{font-family:var(--font);font-size:10px;font-weight:800;letter-spacing:2px;text-transform:uppercase;color:#002C26;border-left:4px solid #DCF962;padding-left:9px;margin-bottom:12px}\r\n.c-table{width:100%;border-collapse:collapse;font-size:12px}\r\n.c-table th{background:#002C26;color:#fff;font-family:var(--font);font-size:9.5px;font-weight:700;letter-spacing:0.8px;text-transform:uppercase;padding:9px 10px;text-align:left}\r\n.c-table td{padding:8px 10px;border-bottom:1px solid #e8eeea;vertical-align:middle}\r\n.c-table tr:nth-child(even) td{background:#f8fdf5}\r\n.c-table .td-num{font-family:var(--font);font-size:11.5px;color:#333;text-align:right}\r\n.c-table .td-acc{font-family:var(--font);font-weight:700;color:#417949;text-align:right}\r\n.c-info-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px 28px}\r\n.c-info-row{display:flex;gap:5px;margin-bottom:3px}\r\n.c-info-key{font-family:var(--font);font-size:10px;font-weight:700;color:#888;text-transform:uppercase;letter-spacing:0.4px;min-width:110px;flex-shrink:0}\r\n.c-info-val{font-size:12.5px;color:#1a1a1a;word-break:break-word}\r\n.c-hl-box{background:#f0faeb;border:1.5px solid #B9E676;border-radius:8px;padding:16px 18px;margin:14px 0;display:grid;grid-template-columns:repeat(3,1fr);gap:12px;text-align:center}\r\n.c-hl-label{font-family:var(--font);font-size:8.5px;font-weight:700;letter-spacing:1.2px;text-transform:uppercase;color:#888}\r\n.c-hl-val{font-family:var(--font);font-size:20px;font-weight:900;color:#002C26;margin:3px 0 2px}\r\n.c-hl-unit{font-size:9.5px;color:#999}\r\n.c-conditions{font-size:12px;line-height:1.8;color:#444;text-align:justify}\r\n.c-conditions p{margin-bottom:9px}\r\n.c-conditions strong{color:#002C26}\r\n.c-sig-section{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin-top:28px}\r\n.c-sig-box{text-align:center}\r\n.c-sig-label{font-family:var(--font);font-size:9.5px;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:#888;margin-bottom:8px}\r\n.c-sig-canvas-wrap{border:1.5px dashed #ccc;border-radius:6px;height:88px;display:flex;align-items:center;justify-content:center;background:#fafafa;margin-bottom:7px;overflow:hidden;position:relative}\r\n.c-sig-canvas-wrap canvas{cursor:crosshair;touch-action:none}\r\n.c-sig-clear{font-size:10px;color:#999;cursor:pointer;background:none;border:none;font-family:var(--font);text-decoration:underline;margin-top:3px}\r\n.c-sig-name{font-size:12px;font-weight:700;color:#1a1a1a;margin-top:3px}\r\n.c-sig-date{font-size:10.5px;color:#888}\r\n.c-footer{margin-top:32px;padding-top:12px;border-top:1px solid #e0e0e0;font-family:var(--font);font-size:8.5px;color:#bbb;letter-spacing:0.4px;line-height:1.7}\r\n.c-footer-legal{margin-top:8px;font-size:8px;color:#ccc;border-top:1px solid #f0f0f0;padding-top:8px;line-height:1.6}\r\n.c-seal{width:66px;height:66px;border-radius:50%;border:2.5px solid rgba(65,121,73,0.22);display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;font-family:var(--font);font-size:6.5px;font-weight:700;letter-spacing:0.8px;text-transform:uppercase;color:rgba(65,121,73,0.45);position:absolute;right:58px;bottom:80px;transform:rotate(-15deg);line-height:1.4}\r\n\r\n\/* Amortization *\/\r\n.amort-toggle{width:100%;text-align:left;background:var(--surf2);border:1px solid var(--border);border-radius:var(--rs);color:var(--text);font-family:var(--font);font-size:13px;font-weight:700;padding:13px 18px;cursor:pointer;display:flex;align-items:center;justify-content:space-between;transition:var(--tr);margin-top:20px}\r\n.amort-toggle:hover{border-color:var(--accent)}\r\n.amort-toggle .amort-arrow{width:18px;height:18px;transition:transform 0.3s;display:flex;align-items:center;justify-content:center}\r\n.amort-toggle.open .amort-arrow{transform:rotate(180deg)}\r\n.amort-table-wrap{overflow:hidden;max-height:0;transition:max-height 0.4s ease;border:1px solid var(--border);border-top:none;border-radius:0 0 var(--rs) var(--rs)}\r\n.amort-table-wrap.open{max-height:520px;overflow:auto}\r\n.amort-table{width:100%;border-collapse:collapse;font-size:12px}\r\n.amort-table th{background:var(--bg);color:var(--accent);padding:9px 11px;text-align:right;font-weight:700;font-size:9.5px;letter-spacing:0.8px;text-transform:uppercase;white-space:nowrap}\r\n.amort-table th:first-child{text-align:center}\r\n.amort-table td{padding:7px 11px;text-align:right;border-bottom:1px solid var(--border);color:var(--text)}\r\n.amort-table td:first-child{text-align:center;color:var(--muted);font-weight:600}\r\n.amort-table tr:last-child td{border-bottom:none}\r\n.amort-table tr:hover td{background:rgba(220,249,98,0.04)}\r\n.amort-table .col-int{color:#FF9F43}\r\n.amort-table .col-cap{color:var(--grad)}\r\n.amort-table .col-bal{color:var(--muted)}\r\n.amort-table .col-tot{color:var(--accent);font-weight:700}\r\n\r\n\/* Toast *\/\r\n.toast{position:fixed;bottom:28px;right:24px;background:var(--surf2);border:1px solid var(--border);border-radius:var(--rs);padding:13px 20px;font-size:13px;font-weight:600;color:var(--text);box-shadow:var(--shadow);z-index:10000;transform:translateY(70px);opacity:0;transition:all 0.38s cubic-bezier(.4,0,.2,1);max-width:310px}\r\n.toast.show{transform:translateY(0);opacity:1}\r\n.toast.success{border-color:var(--accent)}\r\n.toast.error{border-color:#FF6B6B}\r\n\r\n\/* Print popup window will use its own styles, @media print here just in case *\/\r\n@media print{\r\n body{background:#fff!important;padding:0!important}\r\n #loan-app{padding:0!important;max-width:100%!important}\r\n .app-header,.lang-bar,.steps,#form-section,.contract-toolbar,.amort-toggle,.amort-table-wrap{display:none!important}\r\n #contract-section{display:block!important}\r\n #contract-preview{box-shadow:none!important;padding:18px!important;border-radius:0!important;max-width:100%!important}\r\n .c-seal{display:block!important}\r\n}\r\n<\/style>\r\n<\/head>\r\n<body>\r\n\r\n<div class=\"loader-overlay\" id=\"loaderOverlay\">\r\n <div class=\"loader-ring\"><\/div>\r\n <div class=\"loader-text\" id=\"loaderText\">G\u00e9n\u00e9ration du contrat<\/div>\r\n<\/div>\r\n<div class=\"toast\" id=\"toast\"><\/div>\r\n\r\n<div id=\"loan-app\">\r\n\r\n \r\n <div class=\"app-header\">\r\n <div class=\"nbx-brand\">\r\n <img decoding=\"async\" src=\"https:\/\/Finzeia.com\/\" alt=\"Finzeia-Credito\u00ae\" class=\"nbx-logo\" onerror=\"this.style.display='none'; this.nextSibling.style.display='flex'\" \/>\r\n <div style=\"display:none;width:100px;height:32px;background:#002C26;border-radius:8px;align-items:center;justify-content:center;font-size:10px;font-weight:900;color:#DCF962;padding:0 8px;letter-spacing:-0.5px;border:1px solid rgba(185,230,118,0.25)\">Finzeia<\/div>\r\n <div class=\"nbx-brand-text\">\r\n <div class=\"nbx-name\">Finzeia-Credito\u00ae<\/div>\r\n <div class=\"nbx-tag\">Secure Digital Banking for Individuals & Professionals<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"app-title-block\">\r\n <div class=\"app-title\" data-i18n=\"appTitle\">Contrat de Pr\u00eat <span>Personnalis\u00e9<\/span><\/div>\r\n <div class=\"app-subtitle\" data-i18n=\"appSubtitle\">G\u00e9n\u00e9rez votre contrat professionnel en quelques secondes.<\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"lang-bar\">\r\n <button class=\"lang-btn active\" data-lang=\"fr\"> FR<\/button>\r\n <button class=\"lang-btn\" data-lang=\"en\"> EN<\/button>\r\n <button class=\"lang-btn\" data-lang=\"es\"> ES<\/button>\r\n <button class=\"lang-btn\" data-lang=\"de\"> DE<\/button>\r\n <button class=\"lang-btn\" data-lang=\"nl\"> NL<\/button>\r\n <button class=\"lang-btn\" data-lang=\"pt\"> PT<\/button>\r\n <button class=\"lang-btn\" data-lang=\"lt\"> LT<\/button>\r\n <\/div>\r\n\r\n \r\n <div class=\"steps\" id=\"stepsBar\">\r\n <div class=\"step-item active\" data-step=\"1\">\r\n <div class=\"step-dot\">1<\/div>\r\n <div class=\"step-label\" data-i18n=\"step1\">Informations<\/div>\r\n <\/div>\r\n <div class=\"step-item\" data-step=\"2\">\r\n <div class=\"step-dot\">2<\/div>\r\n <div class=\"step-label\" data-i18n=\"step2\">Calcul<\/div>\r\n <\/div>\r\n <div class=\"step-item\" data-step=\"3\">\r\n <div class=\"step-dot\">3<\/div>\r\n <div class=\"step-label\" data-i18n=\"step3\">Contrat<\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div id=\"form-section\">\r\n\r\n \r\n <div class=\"card\" id=\"step-card-1\">\r\n <div class=\"card-title\">\r\n <div class=\"icon\"><\/div>\r\n <span data-i18n=\"sectionBorrower\">Informations Emprunteur<\/span>\r\n <\/div>\r\n <div class=\"card-subtitle\" data-i18n=\"sectionBorrowerSub\">Coordonn\u00e9es personnelles de l'emprunteur<\/div>\r\n <div class=\"form-grid\">\r\n <div class=\"field\" id=\"f-fullname\">\r\n <label data-i18n=\"labelFullname\">Nom complet<\/label>\r\n <input type=\"text\" id=\"fullname\" placeholder=\"Jean Dupont\" autocomplete=\"name\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errRequired\">Ce champ est requis<\/span>\r\n <\/div>\r\n <div class=\"field\" id=\"f-email\">\r\n <label data-i18n=\"labelEmail\">Adresse e-mail<\/label>\r\n <input type=\"email\" id=\"email\" placeholder=\"jean.dupont@email.com\" autocomplete=\"email\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errEmail\">Email invalide<\/span>\r\n <\/div>\r\n <div class=\"field\" id=\"f-phone\">\r\n <label data-i18n=\"labelPhone\">T\u00e9l\u00e9phone<\/label>\r\n <input type=\"tel\" id=\"phone\" placeholder=\"+33 6 00 00 00 00\" autocomplete=\"tel\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errRequired\">Ce champ est requis<\/span>\r\n <\/div>\r\n <div class=\"field\" id=\"f-nationality\">\r\n <label data-i18n=\"labelNationality\">Nationalit\u00e9<\/label>\r\n <input type=\"text\" id=\"nationality\" placeholder=\"Fran\u00e7aise\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errRequired\">Ce champ est requis<\/span>\r\n <\/div>\r\n <div class=\"field full\" id=\"f-address\">\r\n <label data-i18n=\"labelAddress\">Adresse postale compl\u00e8te<\/label>\r\n <input type=\"text\" id=\"address\" placeholder=\"12 rue de la Paix, 75001 Paris, France\" autocomplete=\"street-address\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errRequired\">Ce champ est requis<\/span>\r\n <\/div>\r\n <div class=\"field\" id=\"f-idnum\">\r\n <label data-i18n=\"labelId\">Pi\u00e8ce d'identit\u00e9 n\u00b0<\/label>\r\n <input type=\"text\" id=\"idnum\" placeholder=\"123456789\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errRequired\">Ce champ est requis<\/span>\r\n <\/div>\r\n <div class=\"field\" id=\"f-date\">\r\n <label data-i18n=\"labelDate\">Date du contrat<\/label>\r\n <input type=\"date\" id=\"contractDate\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errRequired\">Ce champ est requis<\/span>\r\n <\/div>\r\n <\/div>\r\n <div class=\"step-nav\">\r\n <button class=\"btn btn-primary\" onclick=\"loanApp.nextStep()\"><span data-i18n=\"btnNext\">Suivant \u2192<\/span><\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"card\" id=\"step-card-2\" style=\"display:none\">\r\n <div class=\"card-title\">\r\n <div class=\"icon\"><\/div>\r\n <span data-i18n=\"sectionLenderFull\">Informations Pr\u00eateur \/ Organisme<\/span>\r\n <\/div>\r\n <div class=\"card-subtitle\" data-i18n=\"sectionLenderSub\">Coordonn\u00e9es compl\u00e8tes de l'organisme pr\u00eateur<\/div>\r\n <div class=\"form-grid\">\r\n <div class=\"field\" id=\"f-lender\">\r\n <label data-i18n=\"labelLender\">Nom du pr\u00eateur \/ organisme<\/label>\r\n <input type=\"text\" id=\"lender\" placeholder=\"Finzeia-Credito\u00ae\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errRequired\">Ce champ est requis<\/span>\r\n <\/div>\r\n <div class=\"field\" id=\"f-lenderRegNum\">\r\n <label data-i18n=\"labelLenderRegNum\">N\u00b0 d'enregistrement<\/label>\r\n <input type=\"text\" id=\"lenderRegNum\" placeholder=\"03910384749\" \/>\r\n <\/div>\r\n <div class=\"field full\" id=\"f-lenderAddress\">\r\n <label data-i18n=\"labelLenderAddress\">Adresse du pr\u00eateur<\/label>\r\n <input type=\"text\" id=\"lenderAddress\" placeholder=\"5 Strand, London WC2N 5HR, United Kingdom\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errRequired\">Ce champ est requis<\/span>\r\n <\/div>\r\n <div class=\"field\" id=\"f-lenderEmail\">\r\n <label data-i18n=\"labelLenderEmail\">E-mail du pr\u00eateur<\/label>\r\n <input type=\"email\" id=\"lenderEmail\" placeholder=\"banking@Finzeia.com\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errEmail\">Email invalide<\/span>\r\n <\/div>\r\n <div class=\"field\" id=\"f-lenderPhone\">\r\n <label data-i18n=\"labelLenderPhone\">T\u00e9l\u00e9phone du pr\u00eateur<\/label>\r\n <input type=\"tel\" id=\"lenderPhone\" placeholder=\"(334) 469-5555\" \/>\r\n <\/div>\r\n <\/div>\r\n <div class=\"step-nav\">\r\n <button class=\"btn btn-ghost\" onclick=\"loanApp.prevStep()\"><span data-i18n=\"btnPrev\">\u2190 Retour<\/span><\/button>\r\n <button class=\"btn btn-primary\" onclick=\"loanApp.nextStep()\"><span data-i18n=\"btnNext\">Suivant \u2192<\/span><\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"card\" id=\"step-card-3\" style=\"display:none\">\r\n <div class=\"card-title\">\r\n <div class=\"icon\"><\/div>\r\n <span data-i18n=\"sectionLoan\">D\u00e9tails du Pr\u00eat<\/span>\r\n <\/div>\r\n <div class=\"card-subtitle\" data-i18n=\"sectionLoanSub\">Conditions financi\u00e8res du financement<\/div>\r\n <div class=\"form-grid\">\r\n <div class=\"field\" id=\"f-amount\">\r\n <label data-i18n=\"labelAmount\">Montant du pr\u00eat (\u20ac)<\/label>\r\n <input type=\"number\" id=\"amount\" placeholder=\"10000\" min=\"500\" max=\"500000\" step=\"100\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errAmount\">Montant entre 500 \u20ac et 500 000 \u20ac<\/span>\r\n <\/div>\r\n <div class=\"field\" id=\"f-loanType\">\r\n <label data-i18n=\"labelLoanType\">Type de pr\u00eat<\/label>\r\n <select id=\"loanType\">\r\n <option value=\"personnel\" data-i18n=\"loanPersonal\">Pr\u00eat personnel<\/option>\r\n <option value=\"immobilier\" data-i18n=\"loanMortgage\">Pr\u00eat immobilier<\/option>\r\n <option value=\"auto\" data-i18n=\"loanAuto\">Pr\u00eat automobile<\/option>\r\n <option value=\"etudiant\" data-i18n=\"loanStudent\">Pr\u00eat \u00e9tudiant<\/option>\r\n <option value=\"professionnel\" data-i18n=\"loanBusiness\">Pr\u00eat professionnel<\/option>\r\n <\/select>\r\n <\/div>\r\n <div class=\"field full\" id=\"f-duration\">\r\n <label data-i18n=\"labelDuration\">Dur\u00e9e de remboursement<\/label>\r\n <div class=\"slider-row\">\r\n <input type=\"range\" id=\"duration\" min=\"3\" max=\"360\" value=\"24\" step=\"1\" \/>\r\n <div class=\"slider-val-box\">\r\n <input type=\"number\" id=\"durationNum\" min=\"3\" max=\"360\" value=\"24\" step=\"1\" \/>\r\n <span class=\"slider-unit\" data-i18n=\"unitMonths\">mois<\/span>\r\n <\/div>\r\n <\/div>\r\n <span class=\"hint\" data-i18n=\"hintDuration\">De 3 \u00e0 360 mois<\/span>\r\n <\/div>\r\n <div class=\"field full\" id=\"f-rate\">\r\n <label data-i18n=\"labelRate\">Taux d'int\u00e9r\u00eat annuel<\/label>\r\n <div class=\"slider-row\">\r\n <input type=\"range\" id=\"rate\" min=\"0.1\" max=\"25\" value=\"5\" step=\"0.1\" \/>\r\n <div class=\"slider-val-box\">\r\n <input type=\"number\" id=\"rateNum\" min=\"0.1\" max=\"25\" value=\"5\" step=\"0.1\" \/>\r\n <span class=\"slider-unit\">%<\/span>\r\n <\/div>\r\n <\/div>\r\n <span class=\"hint\" data-i18n=\"hintRate\">De 0.1 % \u00e0 25 % annuel<\/span>\r\n <\/div>\r\n <div class=\"field full\" id=\"f-purpose\">\r\n <label data-i18n=\"labelPurpose\">Objet du pr\u00eat<\/label>\r\n <input type=\"text\" id=\"purpose\" placeholder=\"Achat de v\u00e9hicule, projets personnels\" \/>\r\n <span class=\"error-msg\" data-i18n=\"errRequired\">Ce champ est requis<\/span>\r\n <\/div>\r\n <div class=\"field\" id=\"f-contractFees\">\r\n <label data-i18n=\"labelFees\">Frais de dossier (\u20ac)<\/label>\r\n <input type=\"number\" id=\"contractFees\" placeholder=\"0\" min=\"0\" step=\"1\" value=\"0\" \/>\r\n <span class=\"hint\" data-i18n=\"hintFees\">Frais fixes de traitement du dossier<\/span>\r\n <\/div>\r\n <div class=\"field\" id=\"f-contractTax\">\r\n <label data-i18n=\"labelTax\">Taxe sur contrat (%)<\/label>\r\n <input type=\"number\" id=\"contractTax\" placeholder=\"0\" min=\"0\" max=\"100\" step=\"0.01\" value=\"0\" \/>\r\n <span class=\"hint\" data-i18n=\"hintTax\">Taxe applicable sur le montant emprunt\u00e9<\/span>\r\n <\/div>\r\n <div class=\"field full\" id=\"f-feesMotif\">\r\n <label data-i18n=\"labelFeesMotif\">Motif et description des frais<\/label>\r\n <input type=\"text\" id=\"feesMotif\" placeholder=\"Frais de dossier administratif, assurance\" \/>\r\n <\/div>\r\n <div class=\"field\" id=\"f-firstPaymentDate\">\r\n <label data-i18n=\"labelFirstPayment\">1\u00e8re date d'\u00e9ch\u00e9ance<\/label>\r\n <input type=\"date\" id=\"firstPaymentDate\" \/>\r\n <span class=\"hint\" data-i18n=\"hintFirstPayment\">Date de la premi\u00e8re mensualit\u00e9 (modifiable)<\/span>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"live-summary\">\r\n <div class=\"pill\">\r\n <div class=\"pill-label\" data-i18n=\"pillMonthly\">Mensualit\u00e9<\/div>\r\n <div class=\"pill-val\" id=\"pillMonthly\"><\/div>\r\n <div class=\"pill-unit\">\u20ac \/ mois<\/div>\r\n <\/div>\r\n <div class=\"pill\">\r\n <div class=\"pill-label\" data-i18n=\"pillTotal\">Co\u00fbt total<\/div>\r\n <div class=\"pill-val\" id=\"pillTotal\"><\/div>\r\n <div class=\"pill-unit\">\u20ac<\/div>\r\n <\/div>\r\n <div class=\"pill\">\r\n <div class=\"pill-label\" data-i18n=\"pillInterests\">Int\u00e9r\u00eats<\/div>\r\n <div class=\"pill-val\" id=\"pillInterests\"><\/div>\r\n <div class=\"pill-unit\">\u20ac<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"step-nav\">\r\n <button class=\"btn btn-ghost\" onclick=\"loanApp.prevStep()\"><span data-i18n=\"btnPrev\">\u2190 Retour<\/span><\/button>\r\n <button class=\"btn btn-primary btn-lg\" id=\"btnGenerate\" onclick=\"loanApp.generate()\">\r\n <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z\"\/><polyline points=\"14 2 14 8 20 8\"\/><line x1=\"16\" y1=\"13\" x2=\"8\" y2=\"13\"\/><line x1=\"16\" y1=\"17\" x2=\"8\" y2=\"17\"\/><\/svg>\r\n <span data-i18n=\"btnGenerate\">G\u00e9n\u00e9rer le contrat<\/span>\r\n <\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n <\/div>\r\n\r\n \r\n <div id=\"contract-section\">\r\n\r\n <div class=\"contract-toolbar\">\r\n <h2 data-i18n=\"contractReady\"> Contrat g\u00e9n\u00e9r\u00e9<\/h2>\r\n <div style=\"display:flex;flex-wrap:wrap;gap:9px;align-items:center\">\r\n <button class=\"btn btn-ghost btn-sm\" onclick=\"loanApp.backToForm()\">\r\n <span data-i18n=\"btnBack\">Modifier<\/span>\r\n <\/button>\r\n <button class=\"btn btn-secondary btn-sm\" onclick=\"loanApp.downloadWord()\">\r\n <svg width=\"12\" height=\"12\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><path d=\"M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z\"\/><polyline points=\"14 2 14 8 20 8\"\/><\/svg>\r\n <span data-i18n=\"btnWord\">Word (.doc)<\/span>\r\n <\/button>\r\n <button class=\"btn btn-primary btn-sm\" onclick=\"loanApp.printPDF()\">\r\n <svg width=\"12\" height=\"12\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><polyline points=\"6 9 6 2 18 2 18 9\"\/><path d=\"M6 18H4a2 2 0 0 1-2-2v-5a2 2 0 0 1 2-2h16a2 2 0 0 1 2 2v5a2 2 0 0 1-2 2h-2\"\/><rect x=\"6\" y=\"14\" width=\"12\" height=\"8\"\/><\/svg>\r\n <span data-i18n=\"btnPDF\">T\u00e9l\u00e9charger PDF<\/span>\r\n <\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n <div id=\"contract-preview\"><\/div>\r\n\r\n <div id=\"amortSection\">\r\n <button class=\"amort-toggle\" id=\"amortToggle\" onclick=\"loanApp.toggleAmort()\">\r\n <span data-i18n=\"amortTitle\"> Tableau d'amortissement complet<\/span>\r\n <div class=\"amort-arrow\">\r\n <svg width=\"13\" height=\"13\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\"><polyline points=\"6 9 12 15 18 9\"\/><\/svg>\r\n <\/div>\r\n <\/button>\r\n <div class=\"amort-table-wrap\" id=\"amortTableWrap\">\r\n <table class=\"amort-table\" id=\"amortTable\"><\/table>\r\n <\/div>\r\n <\/div>\r\n\r\n <\/div>\r\n\r\n<\/div>\r\n\r\n<script>\r\n(function(){\r\n'use strict';\r\n\r\n\/* ----------------------------------------------------------------\r\n TRANSLATIONS (fr \/ en \/ es \/ de \/ nl \/ pt \/ lt)\r\n ---------------------------------------------------------------- *\/\r\nconst T = {\r\n fr:{\r\n appTitle:\"Contrat de Pr\u00eat <span>Personnalis\u00e9<\/span>\",\r\n appSubtitle:\"G\u00e9n\u00e9rez votre contrat professionnel en quelques secondes.\",\r\n step1:\"Informations\",step2:\"Calcul\",step3:\"Contrat\",\r\n sectionBorrower:\"Informations Emprunteur\",sectionBorrowerSub:\"Coordonn\u00e9es personnelles de l'emprunteur\",\r\n sectionLenderFull:\"Informations Pr\u00eateur \/ Organisme\",sectionLenderSub:\"Coordonn\u00e9es compl\u00e8tes de l'organisme pr\u00eateur\",\r\n sectionLoan:\"D\u00e9tails du Pr\u00eat\",sectionLoanSub:\"Conditions financi\u00e8res du financement\",\r\n labelFullname:\"Nom complet\",labelEmail:\"Adresse e-mail\",labelPhone:\"T\u00e9l\u00e9phone\",labelNationality:\"Nationalit\u00e9\",\r\n labelAddress:\"Adresse postale compl\u00e8te\",labelId:\"Pi\u00e8ce d'identit\u00e9 n\u00b0\",labelDate:\"Date du contrat\",\r\n labelAmount:\"Montant du pr\u00eat (\u20ac)\",labelLoanType:\"Type de pr\u00eat\",labelDuration:\"Dur\u00e9e de remboursement\",\r\n labelRate:\"Taux d'int\u00e9r\u00eat annuel\",labelPurpose:\"Objet du pr\u00eat\",\r\n labelLender:\"Nom du pr\u00eateur \/ organisme\",labelLenderRegNum:\"N\u00b0 d'enregistrement\",\r\n labelLenderAddress:\"Adresse du pr\u00eateur\",labelLenderEmail:\"E-mail du pr\u00eateur\",labelLenderPhone:\"T\u00e9l\u00e9phone du pr\u00eateur\",\r\n labelFees:\"Frais de dossier (\u20ac)\",labelTax:\"Taxe sur contrat (%)\",labelFeesMotif:\"Motif et description des frais\",\r\n hintFees:\"Frais fixes de traitement du dossier\",hintTax:\"Taxe applicable sur le montant emprunt\u00e9\",\r\n loanPersonal:\"Pr\u00eat personnel\",loanMortgage:\"Pr\u00eat immobilier\",loanAuto:\"Pr\u00eat automobile\",loanStudent:\"Pr\u00eat \u00e9tudiant\",loanBusiness:\"Pr\u00eat professionnel\",\r\n hintDuration:\"De 3 \u00e0 360 mois\",hintRate:\"De 0.1 % \u00e0 25 % annuel\",unitMonths:\"mois\",\r\n pillMonthly:\"Mensualit\u00e9\",pillTotal:\"Co\u00fbt total\",pillInterests:\"Int\u00e9r\u00eats\",\r\n btnGenerate:\"G\u00e9n\u00e9rer le contrat\",contractReady:\" Contrat g\u00e9n\u00e9r\u00e9\",\r\n btnBack:\"Modifier\",btnWord:\"Word (.doc)\",btnPDF:\"T\u00e9l\u00e9charger PDF\",\r\n amortTitle:\" Tableau d'amortissement complet\",\r\n errRequired:\"Ce champ est requis\",errEmail:\"Email invalide\",errAmount:\"Montant entre 500 \u20ac et 500 000 \u20ac\",\r\n toastGenerated:\" Contrat g\u00e9n\u00e9r\u00e9 avec succ\u00e8s !\",toastWordDl:\" Document Word t\u00e9l\u00e9charg\u00e9\",\r\n loaderText:\"G\u00e9n\u00e9ration du contrat en cours\",\r\n amortMonth:\"Mois\",amortDate:\"Date\",amortPayment:\"Mensualit\u00e9\",amortPrincipal:\"Capital\",amortInterest:\"Int\u00e9r\u00eats\",amortBalance:\"Capital restant\",\r\n labelFirstPayment:\"1\u00e8re date d'\u00e9ch\u00e9ance\",hintFirstPayment:\"Date de la premi\u00e8re mensualit\u00e9\",btnNext:\"Suivant \u2192\",btnPrev:\"\u2190 Retour\"\r\n },\r\n en:{\r\n appTitle:\"Personalised Loan <span>Contract<\/span>\",\r\n appSubtitle:\"Generate your professional contract in seconds.\",\r\n step1:\"Information\",step2:\"Calculation\",step3:\"Contract\",\r\n sectionBorrower:\"Borrower Information\",sectionBorrowerSub:\"Borrower personal details\",\r\n sectionLenderFull:\"Lender \/ Institution Information\",sectionLenderSub:\"Full contact details of the lending institution\",\r\n sectionLoan:\"Loan Details\",sectionLoanSub:\"Financial conditions of the loan\",\r\n labelFullname:\"Full name\",labelEmail:\"Email address\",labelPhone:\"Phone\",labelNationality:\"Nationality\",\r\n labelAddress:\"Full postal address\",labelId:\"ID document number\",labelDate:\"Contract date\",\r\n labelAmount:\"Loan amount (\u20ac)\",labelLoanType:\"Loan type\",labelDuration:\"Repayment term\",\r\n labelRate:\"Annual interest rate\",labelPurpose:\"Loan purpose\",\r\n labelLender:\"Lender \/ institution name\",labelLenderRegNum:\"Registration number\",\r\n labelLenderAddress:\"Lender address\",labelLenderEmail:\"Lender email\",labelLenderPhone:\"Lender phone\",\r\n labelFees:\"Processing fees (\u20ac)\",labelTax:\"Contract tax (%)\",labelFeesMotif:\"Fees description \/ reason\",\r\n hintFees:\"Fixed administrative processing fees\",hintTax:\"Tax applicable on the borrowed amount\",\r\n loanPersonal:\"Personal loan\",loanMortgage:\"Mortgage\",loanAuto:\"Car loan\",loanStudent:\"Student loan\",loanBusiness:\"Business loan\",\r\n hintDuration:\"From 3 to 360 months\",hintRate:\"From 0.1% to 25% annual\",unitMonths:\"months\",\r\n pillMonthly:\"Monthly payment\",pillTotal:\"Total cost\",pillInterests:\"Interest\",\r\n btnGenerate:\"Generate contract\",contractReady:\"\u2726 Contract generated\",\r\n btnBack:\"Edit\",btnWord:\"Word (.doc)\",btnPDF:\"Download PDF\",\r\n amortTitle:\"\ud83d\udcca Full amortization schedule\",\r\n errRequired:\"This field is required\",errEmail:\"Invalid email\",errAmount:\"Amount between \u20ac500 and \u20ac500,000\",\r\n toastGenerated:\"\u2713 Contract generated successfully!\",toastWordDl:\"\u2713 Word document downloaded\",\r\n loaderText:\"Generating contract\u2026\",\r\n amortMonth:\"Month\",amortDate:\"Date\",amortPayment:\"Payment\",amortPrincipal:\"Principal\",amortInterest:\"Interest\",amortBalance:\"Balance\",\r\n labelFirstPayment:\"First payment date\",hintFirstPayment:\"Date of the first monthly instalment\",btnNext:\"Next \u2192\",btnPrev:\"\u2190 Back\"\r\n },\r\n es:{\r\n appTitle:\"Contrato de Pr\u00e9stamo <span>Personalizado<\/span>\",\r\n appSubtitle:\"Genere su contrato profesional en segundos.\",\r\n step1:\"Informaci\u00f3n\",step2:\"C\u00e1lculo\",step3:\"Contrato\",\r\n sectionBorrower:\"Informaci\u00f3n del Prestatario\",sectionBorrowerSub:\"Datos personales del prestatario\",\r\n sectionLenderFull:\"Informaci\u00f3n del Prestamista\",sectionLenderSub:\"Datos completos de la entidad prestamista\",\r\n sectionLoan:\"Detalles del Pr\u00e9stamo\",sectionLoanSub:\"Condiciones financieras de la financiaci\u00f3n\",\r\n labelFullname:\"Nombre completo\",labelEmail:\"Correo electr\u00f3nico\",labelPhone:\"Tel\u00e9fono\",labelNationality:\"Nacionalidad\",\r\n labelAddress:\"Direcci\u00f3n postal completa\",labelId:\"N\u00famero de identificaci\u00f3n\",labelDate:\"Fecha del contrato\",\r\n labelAmount:\"Importe del pr\u00e9stamo (\u20ac)\",labelLoanType:\"Tipo de pr\u00e9stamo\",labelDuration:\"Plazo de amortizaci\u00f3n\",\r\n labelRate:\"Tasa de inter\u00e9s anual\",labelPurpose:\"Prop\u00f3sito del pr\u00e9stamo\",\r\n labelLender:\"Nombre del prestamista\",labelLenderRegNum:\"N\u00famero de registro\",\r\n labelLenderAddress:\"Direcci\u00f3n del prestamista\",labelLenderEmail:\"Email del prestamista\",labelLenderPhone:\"Tel\u00e9fono del prestamista\",\r\n labelFees:\"Comisi\u00f3n de apertura (\u20ac)\",labelTax:\"Impuesto sobre contrato (%)\",labelFeesMotif:\"Descripci\u00f3n \/ motivo de comisiones\",\r\n hintFees:\"Comisi\u00f3n fija de gesti\u00f3n administrativa\",hintTax:\"Impuesto aplicable sobre el importe prestado\",\r\n loanPersonal:\"Pr\u00e9stamo personal\",loanMortgage:\"Hipoteca\",loanAuto:\"Pr\u00e9stamo auto\",loanStudent:\"Pr\u00e9stamo estudiantil\",loanBusiness:\"Pr\u00e9stamo empresarial\",\r\n hintDuration:\"De 3 a 360 meses\",hintRate:\"De 0,1% a 25% anual\",unitMonths:\"meses\",\r\n pillMonthly:\"Cuota mensual\",pillTotal:\"Coste total\",pillInterests:\"Intereses\",\r\n btnGenerate:\"Generar contrato\",contractReady:\"\u2726 Contrato generado\",\r\n btnBack:\"Editar\",btnWord:\"Word (.doc)\",btnPDF:\"Descargar PDF\",\r\n amortTitle:\"\ud83d\udcca Tabla de amortizaci\u00f3n completa\",\r\n errRequired:\"Este campo es obligatorio\",errEmail:\"Email inv\u00e1lido\",errAmount:\"Importe entre 500 \u20ac y 500.000 \u20ac\",\r\n toastGenerated:\"\u2713 \u00a1Contrato generado con \u00e9xito!\",toastWordDl:\"\u2713 Documento Word descargado\",\r\n loaderText:\"Generando contrato\u2026\",\r\n amortMonth:\"Mes\",amortDate:\"Fecha\",amortPayment:\"Cuota\",amortPrincipal:\"Capital\",amortInterest:\"Intereses\",amortBalance:\"Capital restante\",\r\n labelFirstPayment:\"Fecha primera cuota\",hintFirstPayment:\"Fecha de la primera mensualidad\",btnNext:\"Siguiente \u2192\",btnPrev:\"\u2190 Anterior\"\r\n },\r\n de:{\r\n appTitle:\"Pers\u00f6nlicher <span>Kreditvertrag<\/span>\",\r\n appSubtitle:\"Erstellen Sie Ihren professionellen Vertrag in Sekunden.\",\r\n step1:\"Informationen\",step2:\"Berechnung\",step3:\"Vertrag\",\r\n sectionBorrower:\"Kreditnehmer-Informationen\",sectionBorrowerSub:\"Pers\u00f6nliche Daten des Kreditnehmers\",\r\n sectionLenderFull:\"Angaben zum Kreditgeber\",sectionLenderSub:\"Vollst\u00e4ndige Kontaktdaten des Kreditgebers\",\r\n sectionLoan:\"Kreditdetails\",sectionLoanSub:\"Finanzielle Bedingungen des Kredits\",\r\n labelFullname:\"Vollst\u00e4ndiger Name\",labelEmail:\"E-Mail-Adresse\",labelPhone:\"Telefon\",labelNationality:\"Staatsangeh\u00f6rigkeit\",\r\n labelAddress:\"Vollst\u00e4ndige Postanschrift\",labelId:\"Ausweisnummer\",labelDate:\"Vertragsdatum\",\r\n labelAmount:\"Kreditbetrag (\u20ac)\",labelLoanType:\"Kreditart\",labelDuration:\"Laufzeit\",\r\n labelRate:\"J\u00e4hrlicher Zinssatz\",labelPurpose:\"Verwendungszweck\",\r\n labelLender:\"Name des Kreditgebers\",labelLenderRegNum:\"Registrierungsnummer\",\r\n labelLenderAddress:\"Adresse des Kreditgebers\",labelLenderEmail:\"E-Mail des Kreditgebers\",labelLenderPhone:\"Telefon des Kreditgebers\",\r\n labelFees:\"Bearbeitungsgeb\u00fchren (\u20ac)\",labelTax:\"Vertragssteuer (%)\",labelFeesMotif:\"Geb\u00fchrenanlass \/ Beschreibung\",\r\n hintFees:\"Feste Bearbeitungsgeb\u00fchren\",hintTax:\"Auf den geliehenen Betrag anfallende Steuer\",\r\n loanPersonal:\"Privatkredit\",loanMortgage:\"Hypothek\",loanAuto:\"Autokredit\",loanStudent:\"Studentenkredit\",loanBusiness:\"Gesch\u00e4ftskredit\",\r\n hintDuration:\"Von 3 bis 360 Monate\",hintRate:\"Von 0,1 % bis 25 % j\u00e4hrlich\",unitMonths:\"Monate\",\r\n pillMonthly:\"Monatliche Rate\",pillTotal:\"Gesamtkosten\",pillInterests:\"Zinsen\",\r\n btnGenerate:\"Vertrag erstellen\",contractReady:\"\u2726 Vertrag erstellt\",\r\n btnBack:\"Bearbeiten\",btnWord:\"Word (.doc)\",btnPDF:\"PDF herunterladen\",\r\n amortTitle:\"\ud83d\udcca Vollst\u00e4ndiger Tilgungsplan\",\r\n errRequired:\"Dieses Feld ist erforderlich\",errEmail:\"Ung\u00fcltige E-Mail\",errAmount:\"Betrag zwischen 500 \u20ac und 500.000 \u20ac\",\r\n toastGenerated:\"\u2713 Vertrag erfolgreich erstellt!\",toastWordDl:\"\u2713 Word-Dokument heruntergeladen\",\r\n loaderText:\"Vertrag wird erstellt\u2026\",\r\n amortMonth:\"Monat\",amortDate:\"Datum\",amortPayment:\"Rate\",amortPrincipal:\"Tilgung\",amortInterest:\"Zinsen\",amortBalance:\"Restschuld\",\r\n labelFirstPayment:\"Erste F\u00e4lligkeitszahlung\",hintFirstPayment:\"Datum der ersten Monatsrate\",btnNext:\"Weiter \u2192\",btnPrev:\"\u2190 Zur\u00fcck\"\r\n },\r\n nl:{\r\n appTitle:\"Persoonlijk <span>Leningcontract<\/span>\",\r\n appSubtitle:\"Genereer uw professioneel contract in seconden.\",\r\n step1:\"Informatie\",step2:\"Berekening\",step3:\"Contract\",\r\n sectionBorrower:\"Informatie Kredietnemer\",sectionBorrowerSub:\"Persoonlijke gegevens van de kredietnemer\",\r\n sectionLenderFull:\"Informatie Kredietverstrekker\",sectionLenderSub:\"Volledige contactgegevens van de kredietverstrekker\",\r\n sectionLoan:\"Leningdetails\",sectionLoanSub:\"Financi\u00eble voorwaarden van de lening\",\r\n labelFullname:\"Volledige naam\",labelEmail:\"E-mailadres\",labelPhone:\"Telefoon\",labelNationality:\"Nationaliteit\",\r\n labelAddress:\"Volledig postadres\",labelId:\"Identiteitsbewijs nr.\",labelDate:\"Contractdatum\",\r\n labelAmount:\"Leningbedrag (\u20ac)\",labelLoanType:\"Leningtype\",labelDuration:\"Looptijd\",\r\n labelRate:\"Jaarlijkse rentevoet\",labelPurpose:\"Doel van de lening\",\r\n labelLender:\"Naam kredietverstrekker\",labelLenderRegNum:\"Registratienummer\",\r\n labelLenderAddress:\"Adres kredietverstrekker\",labelLenderEmail:\"E-mail kredietverstrekker\",labelLenderPhone:\"Telefoon kredietverstrekker\",\r\n labelFees:\"Administratiekosten (\u20ac)\",labelTax:\"Contractbelasting (%)\",labelFeesMotif:\"Reden kosten \/ omschrijving\",\r\n hintFees:\"Vaste administratieve verwerkingskosten\",hintTax:\"Belasting van toepassing op het geleende bedrag\",\r\n loanPersonal:\"Persoonlijke lening\",loanMortgage:\"Hypotheek\",loanAuto:\"Autolening\",loanStudent:\"Studielening\",loanBusiness:\"Zakelijke lening\",\r\n hintDuration:\"Van 3 tot 360 maanden\",hintRate:\"Van 0,1% tot 25% per jaar\",unitMonths:\"maanden\",\r\n pillMonthly:\"Maandbetaling\",pillTotal:\"Totale kosten\",pillInterests:\"Rente\",\r\n btnGenerate:\"Contract genereren\",contractReady:\"\u2726 Contract gegenereerd\",\r\n btnBack:\"Bewerken\",btnWord:\"Word (.doc)\",btnPDF:\"PDF downloaden\",\r\n amortTitle:\"\ud83d\udcca Volledig aflossingsschema\",\r\n errRequired:\"Dit veld is verplicht\",errEmail:\"Ongeldig e-mailadres\",errAmount:\"Bedrag tussen \u20ac500 en \u20ac500.000\",\r\n toastGenerated:\"\u2713 Contract succesvol gegenereerd!\",toastWordDl:\"\u2713 Word-document gedownload\",\r\n loaderText:\"Contract wordt gegenereerd\u2026\",\r\n amortMonth:\"Maand\",amortDate:\"Datum\",amortPayment:\"Betaling\",amortPrincipal:\"Aflossing\",amortInterest:\"Rente\",amortBalance:\"Restschuld\",\r\n labelFirstPayment:\"Eerste vervaldatum\",hintFirstPayment:\"Datum van de eerste maandbetaling\",btnNext:\"Volgende \u2192\",btnPrev:\"\u2190 Terug\"\r\n },\r\n pt:{\r\n appTitle:\"Contrato de Empr\u00e9stimo <span>Personalizado<\/span>\",\r\n appSubtitle:\"Gere o seu contrato profissional em segundos.\",\r\n step1:\"Informa\u00e7\u00f5es\",step2:\"C\u00e1lculo\",step3:\"Contrato\",\r\n sectionBorrower:\"Informa\u00e7\u00f5es do Mutu\u00e1rio\",sectionBorrowerSub:\"Dados pessoais do mutu\u00e1rio\",\r\n sectionLenderFull:\"Informa\u00e7\u00f5es do Mutuante\",sectionLenderSub:\"Dados completos da institui\u00e7\u00e3o mutuante\",\r\n sectionLoan:\"Detalhes do Empr\u00e9stimo\",sectionLoanSub:\"Condi\u00e7\u00f5es financeiras do empr\u00e9stimo\",\r\n labelFullname:\"Nome completo\",labelEmail:\"Endere\u00e7o de e-mail\",labelPhone:\"Telefone\",labelNationality:\"Nacionalidade\",\r\n labelAddress:\"Morada postal completa\",labelId:\"N.\u00ba do documento de identifica\u00e7\u00e3o\",labelDate:\"Data do contrato\",\r\n labelAmount:\"Montante do empr\u00e9stimo (\u20ac)\",labelLoanType:\"Tipo de empr\u00e9stimo\",labelDuration:\"Prazo de reembolso\",\r\n labelRate:\"Taxa de juro anual\",labelPurpose:\"Finalidade do empr\u00e9stimo\",\r\n labelLender:\"Nome do mutuante \/ organismo\",labelLenderRegNum:\"N\u00famero de registo\",\r\n labelLenderAddress:\"Morada do mutuante\",labelLenderEmail:\"E-mail do mutuante\",labelLenderPhone:\"Telefone do mutuante\",\r\n labelFees:\"Comiss\u00e3o de abertura (\u20ac)\",labelTax:\"Imposto sobre contrato (%)\",labelFeesMotif:\"Motivo e descri\u00e7\u00e3o das comiss\u00f5es\",\r\n hintFees:\"Comiss\u00e3o fixa de processamento administrativo\",hintTax:\"Imposto aplic\u00e1vel sobre o montante emprestado\",\r\n loanPersonal:\"Empr\u00e9stimo pessoal\",loanMortgage:\"Hipoteca\",loanAuto:\"Cr\u00e9dito autom\u00f3vel\",loanStudent:\"Empr\u00e9stimo estudantil\",loanBusiness:\"Empr\u00e9stimo empresarial\",\r\n hintDuration:\"De 3 a 360 meses\",hintRate:\"De 0,1% a 25% anual\",unitMonths:\"meses\",\r\n pillMonthly:\"Presta\u00e7\u00e3o mensal\",pillTotal:\"Custo total\",pillInterests:\"Juros\",\r\n btnGenerate:\"Gerar contrato\",contractReady:\"\u2726 Contrato gerado\",\r\n btnBack:\"Editar\",btnWord:\"Word (.doc)\",btnPDF:\"Transferir PDF\",\r\n amortTitle:\"\ud83d\udcca Plano de amortiza\u00e7\u00e3o completo\",\r\n errRequired:\"Este campo \u00e9 obrigat\u00f3rio\",errEmail:\"E-mail inv\u00e1lido\",errAmount:\"Montante entre 500 \u20ac e 500.000 \u20ac\",\r\n toastGenerated:\"\u2713 Contrato gerado com sucesso!\",toastWordDl:\"\u2713 Documento Word transferido\",\r\n loaderText:\"A gerar contrato\u2026\",\r\n amortMonth:\"M\u00eas\",amortDate:\"Data\",amortPayment:\"Presta\u00e7\u00e3o\",amortPrincipal:\"Capital\",amortInterest:\"Juros\",amortBalance:\"Capital em d\u00edvida\",\r\n labelFirstPayment:\"Data 1.\u00aa presta\u00e7\u00e3o\",hintFirstPayment:\"Data da primeira presta\u00e7\u00e3o mensal\",btnNext:\"Seguinte \u2192\",btnPrev:\"\u2190 Anterior\"\r\n },\r\n lt:{\r\n appTitle:\"Asmenin\u0117 paskolos <span>sutartis<\/span>\",\r\n appSubtitle:\"Sugeneruokite profesionali\u0105 sutart\u012f per kelias sekundes.\",\r\n step1:\"Informacija\",step2:\"Skai\u010diavimas\",step3:\"Sutartis\",\r\n sectionBorrower:\"Skolininko informacija\",sectionBorrowerSub:\"Asmeniniai skolininko duomenys\",\r\n sectionLenderFull:\"Skolintojo informacija\",sectionLenderSub:\"I\u0161sam\u016bs skolintojo kontaktiniai duomenys\",\r\n sectionLoan:\"Paskolos detal\u0117s\",sectionLoanSub:\"Finansin\u0117s paskolos s\u0105lygos\",\r\n labelFullname:\"Vardas ir pavard\u0117\",labelEmail:\"El. pa\u0161to adresas\",labelPhone:\"Telefonas\",labelNationality:\"Pilietyb\u0117\",\r\n labelAddress:\"Pilnas pa\u0161to adresas\",labelId:\"Asmens dokumento nr.\",labelDate:\"Sutarties data\",\r\n labelAmount:\"Paskolos suma (\u20ac)\",labelLoanType:\"Paskolos tipas\",labelDuration:\"Trukm\u0117\",\r\n labelRate:\"Metin\u0117 pal\u016bkan\u0173 norma\",labelPurpose:\"Paskolos tikslas\",\r\n labelLender:\"Skolintojo pavadinimas\",labelLenderRegNum:\"Registracijos numeris\",\r\n labelLenderAddress:\"Skolintojo adresas\",labelLenderEmail:\"Skolintojo el. pa\u0161tas\",labelLenderPhone:\"Skolintojo telefonas\",\r\n labelFees:\"Administravimo mokestis (\u20ac)\",labelTax:\"Sutarties mokestis (%)\",labelFeesMotif:\"Mokes\u010dio prie\u017eastis ir apra\u0161ymas\",\r\n hintFees:\"Fiksuotas administracinis apdorojimo mokestis\",hintTax:\"Mokestis taikomas skolintos sumos at\u017evilgiu\",\r\n loanPersonal:\"Asmenin\u0117 paskola\",loanMortgage:\"Hipoteka\",loanAuto:\"Automobilio paskola\",loanStudent:\"Student\u0173 paskola\",loanBusiness:\"Verslo paskola\",\r\n hintDuration:\"Nuo 3 iki 360 m\u0117nesi\u0173\",hintRate:\"Nuo 0,1 % iki 25 % per metus\",unitMonths:\"m\u0117nesiai\",\r\n pillMonthly:\"M\u0117nesin\u0117 \u012fmoka\",pillTotal:\"Bendra kaina\",pillInterests:\"Pal\u016bkanos\",\r\n btnGenerate:\"Generuoti sutart\u012f\",contractReady:\"\u2726 Sutartis sugeneruota\",\r\n btnBack:\"Redaguoti\",btnWord:\"Word (.doc)\",btnPDF:\"Atsisi\u0173sti PDF\",\r\n amortTitle:\"\ud83d\udcca Pilnas amortizacijos grafikas\",\r\n errRequired:\"\u0160is laukas yra privalomas\",errEmail:\"Neteisingas el. pa\u0161tas\",errAmount:\"Suma nuo 500 \u20ac iki 500.000 \u20ac\",\r\n toastGenerated:\"\u2713 Sutartis s\u0117kmingai sugeneruota!\",toastWordDl:\"\u2713 Word dokumentas atsisi\u0173stas\",\r\n loaderText:\"Generuojama sutartis\u2026\",\r\n amortMonth:\"M\u0117nuo\",amortDate:\"Data\",amortPayment:\"\u012emoka\",amortPrincipal:\"Pagrindin\u0117 suma\",amortInterest:\"Pal\u016bkanos\",amortBalance:\"Likutis\",\r\n labelFirstPayment:\"Pirmojo mok\u0117jimo data\",hintFirstPayment:\"Pirmosios m\u0117nesin\u0117s \u012fmokos data\",btnNext:\"Toliau \u2192\",btnPrev:\"\u2190 Atgal\"\r\n }\r\n};\r\n\r\n\/* ---------------------------------------------------------------- STATE ---------------------------------------------------------------- *\/\r\nlet lang = 'fr';\r\nlet amortData = [];\r\nlet sigC = {}, sigD = {};\r\nlet currentFormStep = 1;\r\n\r\nfunction goToFormStep(n){\r\n [1,2,3].forEach(i=>{\r\n const card=document.getElementById('step-card-'+i);\r\n if(card) card.style.display=i===n?'':'none';\r\n });\r\n currentFormStep=n;\r\n setStep(n);\r\n}\r\nfunction nextStep(){ if(currentFormStep<3) goToFormStep(currentFormStep+1); }\r\nfunction prevStep(){ if(currentFormStep>1) goToFormStep(currentFormStep-1); }\r\n\r\n\/* ---------------------------------------------------------------- HELPERS ---------------------------------------------------------------- *\/\r\nfunction t(k){ return (T[lang]&&T[lang][k]) || T.fr[k] || k; }\r\nfunction fmt(n,d=2){ return new Intl.NumberFormat('fr-FR',{minimumFractionDigits:d,maximumFractionDigits:d}).format(n); }\r\nfunction fmtEUR(n){ return new Intl.NumberFormat('fr-FR',{style:'currency',currency:'EUR',minimumFractionDigits:2}).format(n); }\r\nfunction genRef(){\r\n const n=new Date(), y=n.getFullYear(), m=String(n.getMonth()+1).padStart(2,'0');\r\n return 'NDB-'+y+m+'-'+Math.random().toString(36).substring(2,7).toUpperCase();\r\n}\r\nfunction today(loc){ const d=new Date(); return d.toLocaleDateString(loc||'fr-FR',{day:'2-digit',month:'long',year:'numeric'}); }\r\nfunction dateStr(s){ if(!s) return today(); const d=new Date(s); return d.toLocaleDateString('fr-FR',{day:'2-digit',month:'long',year:'numeric'}); }\r\nfunction addM(base,n){ const d=new Date(base||Date.now()); d.setMonth(d.getMonth()+n); return d.toLocaleDateString('fr-FR',{month:'short',year:'numeric'}); }\r\nfunction toast(msg,type='success'){\r\n const el=document.getElementById('toast'); el.textContent=msg;\r\n el.className='toast '+type+' show'; setTimeout(()=>el.className='toast',3500);\r\n}\r\nfunction loader(show,msg){ const o=document.getElementById('loaderOverlay'); if(msg) document.getElementById('loaderText').textContent=msg; o.classList[show?'add':'remove']('active'); }\r\nfunction setStep(n){ document.querySelectorAll('.step-item').forEach(el=>{ const s=+el.dataset.step; el.classList.remove('active','done'); if(s<n) el.classList.add('done'); if(s===n) el.classList.add('active'); }); }\r\n\r\n\/* ---------------------------------------------------------------- CALCULATION ---------------------------------------------------------------- *\/\r\nfunction calcLoan(P,aRate,months){\r\n if(!aRate||aRate===0){ const m=P\/months; return{monthly:m,totalCost:m*months,totalInterest:0}; }\r\n const r=aRate\/100\/12;\r\n const m=P*(r*Math.pow(1+r,months))\/(Math.pow(1+r,months)-1);\r\n return{monthly:m,totalCost:m*months,totalInterest:m*months-P};\r\n}\r\nfunction buildAmort(P,aRate,months,startDate){\r\n const sched=[]; const r=aRate\/100\/12; let bal=P;\r\n const fp=aRate?P*(r*Math.pow(1+r,months))\/(Math.pow(1+r,months)-1):P\/months;\r\n const base=startDate?new Date(startDate):new Date();\r\n for(let i=1;i<=months;i++){\r\n const int=bal*r; let cap=fp-int; if(i===months) cap=bal;\r\n const pay=cap+int; bal-=cap; if(bal<0.005) bal=0;\r\n const d=new Date(base); d.setMonth(d.getMonth()+i);\r\n sched.push({month:i,date:d.toLocaleDateString('fr-FR',{month:'short',year:'numeric'}),payment:pay,capital:cap,interest:int,balance:Math.max(0,bal)});\r\n }\r\n return sched;\r\n}\r\n\r\n\/* ---------------------------------------------------------------- LIVE CALC ---------------------------------------------------------------- *\/\r\nfunction updateLive(){\r\n const amount=parseFloat(document.getElementById('amount').value)||0;\r\n const dur=parseInt(document.getElementById('duration').value)||24;\r\n const rate=parseFloat(document.getElementById('rate').value)||0;\r\n if(amount>=500){\r\n const{monthly,totalCost,totalInterest}=calcLoan(amount,rate,dur);\r\n document.getElementById('pillMonthly').textContent=fmt(monthly);\r\n document.getElementById('pillTotal').textContent=fmt(totalCost);\r\n document.getElementById('pillInterests').textContent=fmt(totalInterest);\r\n } else {\r\n ['pillMonthly','pillTotal','pillInterests'].forEach(id=>document.getElementById(id).textContent='\u2013');\r\n }\r\n}\r\n\r\n\/* Sync range <-> number *\/\r\nfunction syncPair(rangeId,numId){\r\n const r=document.getElementById(rangeId), n=document.getElementById(numId);\r\n if(!r||!n) return;\r\n r.addEventListener('input',()=>{ n.value=r.value; updateLive(); });\r\n n.addEventListener('input',()=>{\r\n let v=parseFloat(n.value); const mn=parseFloat(n.min),mx=parseFloat(n.max);\r\n if(isNaN(v)) return; v=Math.max(mn,Math.min(mx,v)); n.value=v; r.value=v; updateLive();\r\n });\r\n}\r\n\r\n\/* ---------------------------------------------------------------- VALIDATION ---------------------------------------------------------------- *\/\r\nfunction validate(){\r\n const rules=[\r\n {id:'fullname',fid:'f-fullname',test:v=>v.trim().length>=2},\r\n {id:'email',fid:'f-email',test:v=>\/^[^\\s@]+@[^\\s@]+\\.[^\\s@]+$\/.test(v.trim())},\r\n {id:'phone',fid:'f-phone',test:v=>v.trim().length>=6},\r\n {id:'address',fid:'f-address',test:v=>v.trim().length>=5},\r\n {id:'idnum',fid:'f-idnum',test:v=>v.trim().length>=3},\r\n {id:'contractDate',fid:'f-date',test:v=>v!==''},\r\n {id:'amount',fid:'f-amount',test:v=>parseFloat(v)>=500&&parseFloat(v)<=500000},\r\n {id:'purpose',fid:'f-purpose',test:v=>v.trim().length>=3},\r\n {id:'lender',fid:'f-lender',test:v=>v.trim().length>=2},\r\n {id:'lenderAddress',fid:'f-lenderAddress',test:v=>v.trim().length>=5},\r\n {id:'lenderEmail',fid:'f-lenderEmail',test:v=>\/^[^\\s@]+@[^\\s@]+\\.[^\\s@]+$\/.test(v.trim())||v.trim()===''?v.trim()===''?false:\/^[^\\s@]+@[^\\s@]+\\.[^\\s@]+$\/.test(v.trim()):false},\r\n ];\r\n \/\/ fix lenderEmail rule\r\n const emailRule=rules.find(r=>r.id==='lenderEmail');\r\n emailRule.test=v=>v.trim()===''||\/^[^\\s@]+@[^\\s@]+\\.[^\\s@]+$\/.test(v.trim());\r\n let ok=true;\r\n rules.forEach(r=>{\r\n const el=document.getElementById(r.id), box=document.getElementById(r.fid);\r\n const val=el?el.value:'';\r\n if(!r.test(val)){ box&&box.classList.add('invalid'); ok=false; }\r\n else box&&box.classList.remove('invalid');\r\n });\r\n return ok;\r\n}\r\n\r\n\/* ---------------------------------------------------------------- CONTRACT HTML ---------------------------------------------------------------- *\/\r\nfunction buildContract(data,sched){\r\n const ref=genRef(); const ds=dateStr(data.contractDate);\r\n const lbl={personnel:'Pr\u00eat Personnel',immobilier:'Pr\u00eat Immobilier',auto:'Pr\u00eat Automobile',etudiant:'Pr\u00eat \u00c9tudiant',professionnel:'Pr\u00eat Professionnel'};\r\n const loanLabel=lbl[data.loanType]||data.loanType;\r\n const{monthly,totalCost,totalInterest}=calcLoan(data.amount,data.rate,data.duration);\r\n const fees=parseFloat(data.contractFees)||0;\r\n const taxAmt=data.amount*(parseFloat(data.contractTax)||0)\/100;\r\n const totalCharge=totalCost+fees+taxAmt;\r\n const rows=sched.slice(0,Math.min(12,sched.length)).map(r=>`\r\n <tr><td style=\"text-align:center\">${r.month}<\/td><td>${r.date}<\/td>\r\n <td class=\"td-num\">${fmt(r.payment)} \u20ac<\/td><td class=\"td-acc\">${fmt(r.capital)} \u20ac<\/td>\r\n <td class=\"td-num\" style=\"color:#c0392b\">${fmt(r.interest)} \u20ac<\/td>\r\n <td class=\"td-num\">${fmt(r.balance)} \u20ac<\/td><\/tr>`).join('');\r\n\r\n return `\r\n<div class=\"c-header\">\r\n <div>\r\n <img decoding=\"async\" src=\"https:\/\/Finzeia.com\/wp-content\/uploads\/2026\/04\/Presentation-moderne-de-lidentite-de-marque-2-e1776191129871-removebg-preview.png\" alt=\"Finzeia-Credito\u00ae\" class=\"c-logo-img\" onerror=\"this.style.display='none';this.nextSibling.style.display='block'\"\/>\r\n <div style=\"display:none;font-family:Montserrat,sans-serif;font-size:18px;font-weight:900;color:#002C26;padding:4px 0\">Finzeia-Credito\u00ae<\/div>\r\n <div class=\"c-logo-tag\">Secure Digital Banking for Individuals & Professionals<\/div>\r\n <div class=\"c-contact-block\">\r\n \ud83d\udccd 5 Strand, London WC2N 5HR, United Kingdom<br>\r\n \ud83d\udce7 <a href=\"mailto:banking@Finzeia.com\">banking@Finzeia.com<\/a> \u00b7 <a href=\"mailto:contact@Finzeia.com\">contact@Finzeia.com<\/a><br>\r\n \ud83d\udcde (334) 469-5555 \u00b7 \ud83c\udf10 <a href=\"https:\/\/Finzeia.com\">Finzeia.com<\/a>\r\n <\/div>\r\n <\/div>\r\n <div class=\"c-ref-block\">\r\n <div class=\"c-ref-num\">Contrat n\u00b0 ${ref}<\/div>\r\n <div class=\"c-ref-date\">\u00c9mis le ${today()}<\/div>\r\n <div class=\"c-ref-date\">Date : ${ds}<\/div>\r\n <div class=\"c-ref-badge\">ORIGINAL<\/div>\r\n <\/div>\r\n<\/div>\r\n\r\n<div class=\"c-title\">CONTRAT DE ${loanLabel.toUpperCase()}<\/div>\r\n\r\n<div class=\"c-section\">\r\n <div class=\"c-section-title\">1. PARTIES AU CONTRAT<\/div>\r\n <div class=\"c-info-grid\">\r\n <div>\r\n <div style=\"font-family:Montserrat,sans-serif;font-size:10px;font-weight:800;color:#417949;text-transform:uppercase;letter-spacing:1px;margin-bottom:8px\">EMPRUNTEUR<\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">Nom :<\/span><span class=\"c-info-val\"><strong>${data.fullname}<\/strong><\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">E-mail :<\/span><span class=\"c-info-val\">${data.email}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">T\u00e9l\u00e9phone :<\/span><span class=\"c-info-val\">${data.phone||'\u2013'}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">Nationalit\u00e9 :<\/span><span class=\"c-info-val\">${data.nationality||'\u2013'}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">Adresse :<\/span><span class=\"c-info-val\">${data.address}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">Pi\u00e8ce d'identit\u00e9 :<\/span><span class=\"c-info-val\">${data.idnum}<\/span><\/div>\r\n <\/div>\r\n <div>\r\n <div style=\"font-family:Montserrat,sans-serif;font-size:10px;font-weight:800;color:#417949;text-transform:uppercase;letter-spacing:1px;margin-bottom:8px\">PR\u00caTEUR<\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">Organisme :<\/span><span class=\"c-info-val\"><strong>${data.lender}<\/strong><\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">Adresse :<\/span><span class=\"c-info-val\">${data.lenderAddress||'\u2013'}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">E-mail :<\/span><span class=\"c-info-val\">${data.lenderEmail||'\u2013'}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">T\u00e9l\u00e9phone :<\/span><span class=\"c-info-val\">${data.lenderPhone||'\u2013'}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">N\u00b0 enreg. :<\/span><span class=\"c-info-val\">${data.lenderRegNum||'\u2013'}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">R\u00e9f. contrat :<\/span><span class=\"c-info-val\">${ref}<\/span><\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\r\n\r\n<div class=\"c-section\">\r\n <div class=\"c-section-title\">2. CARACT\u00c9RISTIQUES DU CR\u00c9DIT<\/div>\r\n <div class=\"c-hl-box\">\r\n <div><div class=\"c-hl-label\">Montant emprunt\u00e9<\/div><div class=\"c-hl-val\">${fmt(data.amount,0)}<\/div><div class=\"c-hl-unit\">EUR<\/div><\/div>\r\n <div><div class=\"c-hl-label\">Mensualit\u00e9<\/div><div class=\"c-hl-val\">${fmt(monthly)}<\/div><div class=\"c-hl-unit\">\u20ac \/ mois<\/div><\/div>\r\n <div><div class=\"c-hl-label\">Dur\u00e9e totale<\/div><div class=\"c-hl-val\">${data.duration}<\/div><div class=\"c-hl-unit\">mois<\/div><\/div>\r\n <div><div class=\"c-hl-label\">Taux nominal<\/div><div class=\"c-hl-val\">${fmt(data.rate,2)}<\/div><div class=\"c-hl-unit\">% annuel<\/div><\/div>\r\n <div><div class=\"c-hl-label\">Total int\u00e9r\u00eats<\/div><div class=\"c-hl-val\">${fmt(totalInterest,0)}<\/div><div class=\"c-hl-unit\">EUR<\/div><\/div>\r\n <div><div class=\"c-hl-label\">Co\u00fbt total<\/div><div class=\"c-hl-val\">${fmt(totalCost,0)}<\/div><div class=\"c-hl-unit\">EUR<\/div><\/div>\r\n <\/div>\r\n <div class=\"c-info-grid\" style=\"margin-top:10px\">\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">Type de cr\u00e9dit :<\/span><span class=\"c-info-val\">${loanLabel}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">Objet :<\/span><span class=\"c-info-val\">${data.purpose}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">TAEG indicatif :<\/span><span class=\"c-info-val\">${fmt(data.rate,2)} %<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">1\u00e8re \u00e9ch\u00e9ance :<\/span><span class=\"c-info-val\">${data.firstPaymentDate?dateStr(data.firstPaymentDate):addM(data.contractDate,1)}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">Frais dossier :<\/span><span class=\"c-info-val\">${fmt(fees)} \u20ac ${data.feesMotif?'('+data.feesMotif+')':''}<\/span><\/div>\r\n <div class=\"c-info-row\"><span class=\"c-info-key\">Taxe contrat :<\/span><span class=\"c-info-val\">${fmt(taxAmt)} \u20ac (${fmt(parseFloat(data.contractTax)||0,2)} %)<\/span><\/div>\r\n ${(fees>0||taxAmt>0)?`<div class=\"c-info-row\" style=\"grid-column:1\/-1\"><span class=\"c-info-key\">Charge totale :<\/span><span class=\"c-info-val\"><strong>${fmt(totalCharge)} \u20ac<\/strong> (int\u00e9r\u00eats + frais + taxe)<\/span><\/div>`:''}\r\n <\/div>\r\n<\/div>\r\n\r\n<div class=\"c-section\">\r\n <div class=\"c-section-title\">3. PLAN DE REMBOURSEMENT (12 premi\u00e8res \u00e9ch\u00e9ances)<\/div>\r\n <table class=\"c-table\" style=\"font-size:11px\">\r\n <thead><tr><th>N\u00b0<\/th><th>Date<\/th><th style=\"text-align:right\">Mensualit\u00e9<\/th><th style=\"text-align:right\">Capital<\/th><th style=\"text-align:right\">Int\u00e9r\u00eats<\/th><th style=\"text-align:right\">Capital restant<\/th><\/tr><\/thead>\r\n <tbody>${rows}<\/tbody>\r\n <\/table>\r\n ${sched.length>12?`<p style=\"font-size:9.5px;color:#999;margin-top:7px;font-family:Montserrat,sans-serif\">* Les ${sched.length-12} \u00e9ch\u00e9ances restantes figurent dans le tableau d'amortissement complet.<\/p>`:''}\r\n<\/div>\r\n\r\n<div class=\"c-section\">\r\n <div class=\"c-section-title\">4. CONDITIONS G\u00c9N\u00c9RALES<\/div>\r\n <div class=\"c-conditions\">\r\n <p><strong>4.1 Objet.<\/strong> Le pr\u00e9sent contrat est conclu entre l'Emprunteur d\u00e9sign\u00e9 ci-dessus et le Pr\u00eateur <strong>${data.lender}<\/strong>, dans le cadre d'un <strong>${loanLabel}<\/strong> d'un montant de <strong>${fmtEUR(data.amount)}<\/strong>, remboursable sur <strong>${data.duration} mois<\/strong> au taux nominal annuel de <strong>${fmt(data.rate,2)} %<\/strong>.<\/p>\r\n <p><strong>4.2 D\u00e9blocage des fonds.<\/strong> Les fonds seront mis \u00e0 disposition de l'Emprunteur dans un d\u00e9lai de 7 (sept) jours ouvr\u00e9s \u00e0 compter de la date de signature du pr\u00e9sent contrat et de la r\u00e9ception de l'ensemble des pi\u00e8ces justificatives requises.<\/p>\r\n <p><strong>4.3 Modalit\u00e9s de remboursement.<\/strong> L'Emprunteur s'engage \u00e0 rembourser des \u00e9ch\u00e9ances mensuelles de <strong>${fmtEUR(monthly)}<\/strong> \u00e0 chaque date d'\u00e9ch\u00e9ance, par pr\u00e9l\u00e8vement automatique ou virement. Le remboursement anticip\u00e9 total ou partiel est autoris\u00e9 sans p\u00e9nalit\u00e9, \u00e0 condition de notifier le Pr\u00eateur avec un pr\u00e9avis d'au moins 30 jours.<\/p>\r\n <p><strong>4.4 Frais et taxes.<\/strong> Des frais de dossier de <strong>${fmtEUR(fees)}<\/strong> sont dus \u00e0 la signature${data.feesMotif?' ('+data.feesMotif+')':''}. ${taxAmt>0?'Une taxe contractuelle de '+fmt(parseFloat(data.contractTax)||0,2)+' % soit '+fmtEUR(taxAmt)+' est applicable sur le montant emprunt\u00e9.':''} Le co\u00fbt total de l'op\u00e9ration (capital + int\u00e9r\u00eats + frais + taxes) s'\u00e9l\u00e8ve \u00e0 <strong>${fmtEUR(totalCharge)}<\/strong>.<\/p>\r\n <p><strong>4.5 P\u00e9nalit\u00e9s de retard.<\/strong> En cas de retard de paiement sup\u00e9rieur \u00e0 30 (trente) jours calendaires, des p\u00e9nalit\u00e9s \u00e9gales \u00e0 3 % du montant impay\u00e9 par mois de retard pourront \u00eatre appliqu\u00e9es. Le Pr\u00eateur se r\u00e9serve le droit de prononcer la d\u00e9ch\u00e9ance du terme, rendant la totalit\u00e9 du capital restant d\u00fb imm\u00e9diatement exigible.<\/p>\r\n <p><strong>4.6 Assurance emprunteur.<\/strong> La souscription d'une assurance d\u00e9c\u00e8s-invalidit\u00e9 est recommand\u00e9e mais non obligatoire pour ce type de pr\u00eat. Elle peut \u00eatre souscrite aupr\u00e8s de tout organisme agr\u00e9\u00e9 au choix de l'Emprunteur (loi Lagarde\/Convention AERAS pour les r\u00e9sidents fran\u00e7ais).<\/p>\r\n <p><strong>4.7 Droit de r\u00e9tractation.<\/strong> L'Emprunteur dispose d'un d\u00e9lai de r\u00e9tractation de 14 (quatorze) jours calendaires \u00e0 compter de la signature du pr\u00e9sent contrat, sans justification ni p\u00e9nalit\u00e9, conform\u00e9ment aux dispositions l\u00e9gales applicables.<\/p>\r\n <p><strong>4.8 Droit applicable et juridiction.<\/strong> Le pr\u00e9sent contrat est soumis au droit britannique (UK Law) et aux r\u00e9glementations bancaires en vigueur. Finzeia-Credito\u00ae est une marque commerciale de Lloyds Bank plc. Tout litige sera port\u00e9 devant les tribunaux anglais ou gallois comp\u00e9tents. Les parties peuvent recourir au m\u00e9diateur bancaire pr\u00e9alablement \u00e0 toute action judiciaire.<\/p>\r\n <p><strong>4.9 Protection des donn\u00e9es personnelles.<\/strong> Les donn\u00e9es personnelles de l'Emprunteur sont collect\u00e9es et trait\u00e9es par ${data.lender} en sa qualit\u00e9 de responsable de traitement, conform\u00e9ment au UK GDPR et au Data Protection Act 2018. Elles sont utilis\u00e9es aux fins de : gestion du compte, obligations r\u00e9glementaires, pr\u00e9vention de la fraude et am\u00e9lioration des services. L'Emprunteur dispose d'un droit d'acc\u00e8s, de rectification, d'opposition et de portabilit\u00e9. Pour toute demande : <strong>contact@Finzeia.com<\/strong><\/p>\r\n <p><strong>4.10 Modifications.<\/strong> Toute modification au pr\u00e9sent contrat doit faire l'objet d'un avenant sign\u00e9 par les deux parties. Aucune modification verbale ne sera consid\u00e9r\u00e9e comme opposable.<\/p>\r\n <\/div>\r\n<\/div>\r\n\r\n<div class=\"c-section\">\r\n <div class=\"c-section-title\">5. SIGNATURES \u00c9LECTRONIQUES<\/div>\r\n <div class=\"c-conditions\" style=\"margin-bottom:14px\">\r\n <p>En apposant leur signature \u00e9lectronique ci-dessous, les parties d\u00e9clarent avoir pris connaissance de l'int\u00e9gralit\u00e9 des dispositions du pr\u00e9sent contrat et en accepter toutes les conditions sans r\u00e9serve. La signature \u00e9lectronique a valeur juridique conform\u00e9ment \u00e0 l'article 1367 du Code civil fran\u00e7ais et \u00e0 l'Electronic Communications Act 2000 (UK).<\/p>\r\n <\/div>\r\n <div class=\"c-sig-section\">\r\n <div class=\"c-sig-box\">\r\n <div class=\"c-sig-label\">Signature de l'emprunteur<\/div>\r\n <div class=\"c-sig-canvas-wrap\" id=\"sigWrapBorrower\">\r\n <canvas id=\"sigCanvasBorrower\" width=\"260\" height=\"80\"><\/canvas>\r\n <\/div>\r\n <button class=\"c-sig-clear\" onclick=\"loanApp.clearSig('Borrower')\">Effacer<\/button>\r\n <div class=\"c-sig-name\">${data.fullname}<\/div>\r\n <div class=\"c-sig-date\">${ds}<\/div>\r\n <\/div>\r\n <div class=\"c-sig-box\">\r\n <div class=\"c-sig-label\">Signature du pr\u00eateur<\/div>\r\n <div class=\"c-sig-canvas-wrap\" id=\"sigWrapLender\">\r\n <canvas id=\"sigCanvasLender\" width=\"260\" height=\"80\"><\/canvas>\r\n <\/div>\r\n <button class=\"c-sig-clear\" onclick=\"loanApp.clearSig('Lender')\">Effacer<\/button>\r\n <div class=\"c-sig-name\">${data.lender}<\/div>\r\n <div class=\"c-sig-date\">${ds}<\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\r\n\r\n<div class=\"c-footer\">\r\n <div>Contrat n\u00b0 ${ref} \u2013 ${data.lender} \u2013 Document confidentiel<\/div>\r\n <div>Page 1\/1 \u2013 G\u00e9n\u00e9r\u00e9 le ${today()} via Finzeia-Credito\u00ae Digital Platform<\/div>\r\n <div class=\"c-footer-legal\">\r\n Finzeia-Credito\u00ae est une marque commerciale de Lloyds Bank plc, enregistr\u00e9e en Angleterre et au Pays de Galles (N\u00b0 2065) \u00b7 Si\u00e8ge social : Lloyds Bank plc, 5 Grem Road, London EC98V 7HN \u00b7 Adresse op\u00e9rationnelle : 5 Strand, London WC2N 5HR \u00b7 N\u00b0 enregistrement Finzeia : 03910384749 \u00b7 Donn\u00e9es trait\u00e9es conform\u00e9ment au UK GDPR et au Data Protection Act 2018. Utilisation des donn\u00e9es : gestion de compte, conformit\u00e9 r\u00e9glementaire, pr\u00e9vention fraude, am\u00e9lioration des services. Droits : acc\u00e8s, rectification, opposition, portabilit\u00e9.\r\n <\/div>\r\n<\/div>\r\n<div class=\"c-seal\">Finzeia<br>Bank<br>\u2726<br>VALID\u00c9<\/div>\r\n`;\r\n}\r\n\r\n\/* ---------------------------------------------------------------- AMORT TABLE ---------------------------------------------------------------- *\/\r\nfunction buildAmortTable(sched){\r\n let h=`<thead><tr><th>${t('amortMonth')}<\/th><th style=\"text-align:left\">${t('amortDate')}<\/th><th>${t('amortPayment')}<\/th><th>${t('amortPrincipal')}<\/th><th>${t('amortInterest')}<\/th><th>${t('amortBalance')}<\/th><\/tr><\/thead><tbody>`;\r\n sched.forEach(r=>{ h+=`<tr><td>${r.month}<\/td><td style=\"text-align:left\">${r.date}<\/td><td class=\"col-tot\">${fmt(r.payment)} \u20ac<\/td><td class=\"col-cap\">${fmt(r.capital)} \u20ac<\/td><td class=\"col-int\">${fmt(r.interest)} \u20ac<\/td><td class=\"col-bal\">${fmt(r.balance)} \u20ac<\/td><\/tr>`; });\r\n return h+'<\/tbody>';\r\n}\r\n\r\n\/* ---------------------------------------------------------------- SIGNATURE CANVAS ---------------------------------------------------------------- *\/\r\nfunction initSig(name){\r\n const canvas=document.getElementById('sigCanvas'+name); if(!canvas) return;\r\n const ctx=canvas.getContext('2d'); ctx.strokeStyle='#002C26'; ctx.lineWidth=2; ctx.lineCap='round'; ctx.lineJoin='round';\r\n sigC[name]={canvas,ctx}; sigD[name]=false;\r\n function pos(e){ const r=canvas.getBoundingClientRect(),sx=canvas.width\/r.width,sy=canvas.height\/r.height; if(e.touches) return{x:(e.touches[0].clientX-r.left)*sx,y:(e.touches[0].clientY-r.top)*sy}; return{x:(e.clientX-r.left)*sx,y:(e.clientY-r.top)*sy}; }\r\n canvas.addEventListener('mousedown',e=>{sigD[name]=true;const p=pos(e);ctx.beginPath();ctx.moveTo(p.x,p.y);e.preventDefault()});\r\n canvas.addEventListener('mousemove',e=>{if(!sigD[name])return;const p=pos(e);ctx.lineTo(p.x,p.y);ctx.stroke();e.preventDefault()});\r\n canvas.addEventListener('mouseup',()=>{sigD[name]=false;ctx.beginPath()});\r\n canvas.addEventListener('mouseleave',()=>{sigD[name]=false;ctx.beginPath()});\r\n canvas.addEventListener('touchstart',e=>{sigD[name]=true;const p=pos(e);ctx.beginPath();ctx.moveTo(p.x,p.y);e.preventDefault()},{passive:false});\r\n canvas.addEventListener('touchmove',e=>{if(!sigD[name])return;const p=pos(e);ctx.lineTo(p.x,p.y);ctx.stroke();e.preventDefault()},{passive:false});\r\n canvas.addEventListener('touchend',()=>{sigD[name]=false;ctx.beginPath()});\r\n}\r\n\r\n\/* ---------------------------------------------------------------- GENERATE ---------------------------------------------------------------- *\/\r\nfunction generate(){\r\n if(!validate()) return;\r\n loader(true,t('loaderText')); setStep(2);\r\n setTimeout(function(){\r\n const g=id=>document.getElementById(id);\r\n const data={\r\n fullname:g('fullname').value.trim(), email:g('email').value.trim(),\r\n phone:g('phone').value.trim(), nationality:g('nationality').value.trim(),\r\n address:g('address').value.trim(), idnum:g('idnum').value.trim(),\r\n contractDate:g('contractDate').value,\r\n amount:parseFloat(g('amount').value),\r\n duration:parseInt(g('duration').value),\r\n rate:parseFloat(g('rate').value),\r\n loanType:g('loanType').value, purpose:g('purpose').value.trim(),\r\n lender:g('lender').value.trim(), lenderRegNum:g('lenderRegNum').value.trim(),\r\n lenderAddress:g('lenderAddress').value.trim(), lenderEmail:g('lenderEmail').value.trim(),\r\n lenderPhone:g('lenderPhone').value.trim(),\r\n contractFees:g('contractFees').value, contractTax:g('contractTax').value,\r\n feesMotif:g('feesMotif').value.trim(),\r\n firstPaymentDate:g('firstPaymentDate')?g('firstPaymentDate').value:''\r\n };\r\n amortData=buildAmort(data.amount,data.rate,data.duration,data.contractDate);\r\n document.getElementById('contract-preview').innerHTML=buildContract(data,amortData);\r\n document.getElementById('amortTable').innerHTML=buildAmortTable(amortData);\r\n document.getElementById('form-section').style.display='none';\r\n document.getElementById('contract-section').classList.add('visible');\r\n setTimeout(()=>{ initSig('Borrower'); initSig('Lender'); },120);\r\n setStep(3); loader(false); toast(t('toastGenerated'),'success');\r\n document.getElementById('contract-section').scrollIntoView({behavior:'smooth',block:'start'});\r\n },1100);\r\n}\r\n\r\n\/* ---------------------------------------------------------------- BACK ---------------------------------------------------------------- *\/\r\nfunction backToForm(){\r\n document.getElementById('form-section').style.display='';\r\n document.getElementById('contract-section').classList.remove('visible');\r\n document.getElementById('amortTableWrap').classList.remove('open');\r\n document.getElementById('amortToggle').classList.remove('open');\r\n goToFormStep(3);\r\n document.getElementById('form-section').scrollIntoView({behavior:'smooth'});\r\n}\r\n\r\n\/* ---------------------------------------------------------------- TOGGLE AMORT ---------------------------------------------------------------- *\/\r\nfunction toggleAmort(){\r\n document.getElementById('amortToggle').classList.toggle('open');\r\n document.getElementById('amortTableWrap').classList.toggle('open');\r\n}\r\n\r\n\/* ---------------------------------------------------------------- CLEAR SIGNATURE ---------------------------------------------------------------- *\/\r\nfunction clearSig(name){ const c=sigC[name]; if(c) c.ctx.clearRect(0,0,c.canvas.width,c.canvas.height); }\r\n\r\n\/* ---------------------------------------------------------------- PDF \u2013 real download (html2canvas + jsPDF) ---------------------------------------------------------------- *\/\r\nasync function printPDF(){\r\n const preview=document.getElementById('contract-preview');\r\n if(!preview||!preview.innerHTML.trim()){ toast(\"Veuillez d'abord g\u00e9n\u00e9rer le contrat\",'error'); return; }\r\n loader(true,'G\u00e9n\u00e9ration du PDF\u2026');\r\n try{\r\n const clone=preview.cloneNode(true);\r\n ['Borrower','Lender'].forEach(name=>{\r\n const orig=document.getElementById('sigCanvas'+name);\r\n if(orig){\r\n const ci=clone.querySelector('#sigCanvas'+name);\r\n if(ci){ const ni=document.createElement('img'); ni.src=orig.toDataURL('image\/png'); ni.style.cssText='max-width:260px;max-height:80px;display:block;margin:0 auto'; ci.replaceWith(ni); }\r\n }\r\n });\r\n clone.id='_pdf_tmp';\r\n clone.style.cssText='position:fixed;left:-9999px;top:0;width:794px;background:#fff;padding:52px 58px;color:#1a1a1a;font-family:Georgia,serif;font-size:13px;z-index:-9999;pointer-events:none';\r\n document.body.appendChild(clone);\r\n const cvs=await html2canvas(clone,{scale:2,useCORS:true,allowTaint:true,backgroundColor:'#ffffff',logging:false});\r\n document.body.removeChild(clone);\r\n const{jsPDF}=window.jspdf;\r\n const pdf=new jsPDF({orientation:'p',unit:'mm',format:'a4'});\r\n const pw=pdf.internal.pageSize.getWidth();\r\n const ph=pdf.internal.pageSize.getHeight();\r\n const iw=pw;\r\n const ih=cvs.height*pw\/cvs.width;\r\n const imgData=cvs.toDataURL('image\/jpeg',0.92);\r\n if(ih<=ph){\r\n pdf.addImage(imgData,'JPEG',0,0,iw,ih);\r\n } else {\r\n const pages=Math.ceil(ih\/ph);\r\n for(let p=0;p<pages;p++){\r\n if(p>0) pdf.addPage();\r\n pdf.addImage(imgData,'JPEG',0,-(p*ph),iw,ih);\r\n }\r\n }\r\n pdf.save('contrat-Finzeia.pdf');\r\n loader(false);\r\n toast('\u2713 PDF t\u00e9l\u00e9charg\u00e9 !','success');\r\n }catch(e){\r\n loader(false);\r\n console.error('PDF error:',e);\r\n toast('Erreur lors de la g\u00e9n\u00e9ration du PDF','error');\r\n }\r\n \/* REMOVED: old popup window approach *\/\r\n if(false){\r\n const win=window.open('','_blank','width=900,height=750');\r\n if(!win){ toast('Veuillez autoriser les popups pour ce site','error'); return; }\r\n win.document.write(`<!DOCTYPE html>\r\n<html><head><meta charset=\"UTF-8\"><title>Contrat Finzeia-Credito\u00ae<\/title>\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Montserrat:wght@400;600;700;800;900&family=Raleway:wght@400;600&display=swap\" rel=\"stylesheet\"\/>\r\n<style>\r\n*{box-sizing:border-box;margin:0;padding:0}\r\nbody{font-family:Georgia,'Times New Roman',serif;font-size:13pt;color:#1a1a1a;background:#fff;padding:18mm 20mm}\r\n.c-header{display:flex;align-items:flex-start;justify-content:space-between;border-bottom:3px solid #002C26;padding-bottom:18px;margin-bottom:22px;gap:16px}\r\n.c-logo-img{height:44px;background:#002C26;padding:5px 9px;border-radius:6px}\r\n.c-logo-tag{font-family:Raleway,Montserrat,sans-serif;font-size:9pt;font-weight:600;color:#417949;margin-top:3px;letter-spacing:0.5px}\r\n.c-contact-block{font-family:Montserrat,sans-serif;font-size:9.5pt;color:#444;line-height:1.9;margin-top:7px}\r\n.c-contact-block a{color:#002C26;text-decoration:none}\r\n.c-ref-block{text-align:right;font-family:Montserrat,sans-serif;flex-shrink:0}\r\n.c-ref-num{font-size:11pt;font-weight:700;color:#002C26}\r\n.c-ref-date{font-size:9.5pt;color:#888;margin-top:3px}\r\n.c-ref-badge{margin-top:4px;padding:2px 9px;background:#f0faeb;border-radius:4px;font-weight:700;color:#417949;font-size:9pt;display:inline-block}\r\n.c-title{text-align:center;font-family:Montserrat,sans-serif;font-size:16pt;font-weight:800;letter-spacing:1px;text-transform:uppercase;color:#002C26;padding:13px 0;margin-bottom:16px;border:2px solid #002C26;border-radius:5px;background:#f6faf0}\r\n.c-section{margin-bottom:20px}\r\n.c-section-title{font-family:Montserrat,sans-serif;font-size:9pt;font-weight:800;letter-spacing:2px;text-transform:uppercase;color:#002C26;border-left:4px solid #DCF962;padding-left:9px;margin-bottom:11px}\r\n.c-info-grid{display:grid;grid-template-columns:1fr 1fr;gap:7px 26px}\r\n.c-info-row{display:flex;gap:5px;margin-bottom:2px}\r\n.c-info-key{font-family:Montserrat,sans-serif;font-size:9pt;font-weight:700;color:#888;text-transform:uppercase;letter-spacing:0.4px;min-width:106px;flex-shrink:0}\r\n.c-info-val{font-size:11.5pt;color:#1a1a1a;word-break:break-word}\r\n.c-hl-box{background:#f0faeb;border:1.5px solid #B9E676;border-radius:7px;padding:14px 16px;margin:12px 0;display:grid;grid-template-columns:repeat(3,1fr);gap:10px;text-align:center}\r\n.c-hl-label{font-family:Montserrat,sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:1.2px;text-transform:uppercase;color:#888}\r\n.c-hl-val{font-family:Montserrat,sans-serif;font-size:18pt;font-weight:900;color:#002C26;margin:3px 0 2px}\r\n.c-hl-unit{font-size:8.5pt;color:#999}\r\ntable{width:100%;border-collapse:collapse;font-size:10pt}\r\nth{background:#002C26;color:#fff;font-family:Montserrat,sans-serif;font-size:8.5pt;font-weight:700;letter-spacing:0.8px;text-transform:uppercase;padding:8px 9px;text-align:left}\r\ntd{padding:7px 9px;border-bottom:1px solid #e8eeea;vertical-align:middle}\r\ntr:nth-child(even) td{background:#f8fdf5}\r\n.c-conditions{font-size:11pt;line-height:1.8;color:#444;text-align:justify}\r\n.c-conditions p{margin-bottom:9pt}\r\n.c-conditions strong{color:#002C26}\r\n.c-sig-section{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:24px}\r\n.c-sig-box{text-align:center;border:1pt dashed #ccc;border-radius:5px;padding:12px}\r\n.c-sig-label{font-family:Montserrat,sans-serif;font-size:9pt;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:#888;margin-bottom:8px}\r\n.c-sig-name{font-size:11pt;font-weight:700;color:#1a1a1a;margin-top:6px}\r\n.c-sig-date{font-size:9.5pt;color:#888;margin-top:2px}\r\n.c-sig-clear{display:none}\r\n.c-seal{width:62px;height:62px;border-radius:50%;border:2.5px solid rgba(65,121,73,0.22);display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;font-family:Montserrat,sans-serif;font-size:6.5pt;font-weight:700;letter-spacing:0.8px;text-transform:uppercase;color:rgba(65,121,73,0.45);position:fixed;right:22mm;bottom:40mm;transform:rotate(-15deg);line-height:1.4}\r\n.c-footer{margin-top:28pt;padding-top:10pt;border-top:1px solid #e0e0e0;font-family:Montserrat,sans-serif;font-size:8pt;color:#bbb;letter-spacing:0.3px;line-height:1.6}\r\n.c-footer-legal{margin-top:6pt;font-size:7pt;color:#ccc;border-top:1px solid #f0f0f0;padding-top:6pt;line-height:1.6}\r\n#contract-preview::before{display:none}\r\n@media print{body{padding:10mm 12mm}.c-seal{position:fixed}}\r\n<\/style><\/head>\r\n<body>${html}\r\n<script>window.onload=function(){setTimeout(function(){window.print()},400)}<\\\/script>\r\n<\/body><\/html>`);\r\n win.document.close();\r\n } \/* end if(false) *\/\r\n} \/* end printPDF *\/\r\n\r\n\/* ---------------------------------------------------------------- WORD ---------------------------------------------------------------- *\/\r\nfunction downloadWord(){\r\n const preview=document.getElementById('contract-preview'); if(!preview) return;\r\n let html=preview.innerHTML;\r\n ['Borrower','Lender'].forEach(name=>{\r\n const canvas=document.getElementById('sigCanvas'+name);\r\n if(canvas){ const d=canvas.toDataURL('image\/png'); html=html.replace(new RegExp('<canvas id=\"sigCanvas'+name+'\"[^>]*><\/canvas>'),'<img decoding=\"async\" src=\"'+d+'\" style=\"max-width:240px;max-height:75px\">'); }\r\n });\r\n const doc=`<html xmlns:o='urn:schemas-microsoft-com:office:office' xmlns:w='urn:schemas-microsoft-com:office:word' xmlns='http:\/\/www.w3.org\/TR\/REC-html40'><head><meta charset='utf-8'><style>body{font-family:Georgia,serif;font-size:12pt;color:#1a1a1a;margin:2cm}.c-logo-img{height:40px;background:#002C26;padding:5px 9px;border-radius:5px}.c-title{font-size:13pt;font-weight:bold;text-align:center;border:2px solid #002C26;padding:10pt;margin:12pt 0;font-family:Montserrat,Arial,sans-serif}.c-section-title{font-size:9pt;font-weight:bold;border-left:4px solid #DCF962;padding-left:8px;margin:13pt 0 8pt;letter-spacing:1px;text-transform:uppercase;color:#002C26;font-family:Montserrat,Arial,sans-serif}table{width:100%;border-collapse:collapse;font-size:10pt}th{background:#002C26;color:#fff;padding:6pt 8pt;text-align:left;font-family:Montserrat,Arial,sans-serif}td{padding:5pt 8pt;border-bottom:1px solid #eee}.c-hl-box{background:#f0faeb;border:1pt solid #B9E676;padding:10pt;margin:10pt 0}.c-conditions p{margin-bottom:8pt;line-height:1.6;font-size:10.5pt;text-align:justify}.c-footer{margin-top:24pt;border-top:1pt solid #ccc;font-size:8pt;color:#aaa;padding-top:5pt}.c-sig-clear{display:none}.c-seal{display:none}.c-info-grid{display:table;width:100%}<\/style><\/head><body>${html}<\/body><\/html>`;\r\n const blob=new Blob([doc],{type:'application\/msword'});\r\n const url=URL.createObjectURL(blob);\r\n const a=document.createElement('a'); a.href=url; a.download='contrat-Finzeia.doc';\r\n document.body.appendChild(a); a.click(); document.body.removeChild(a); URL.revokeObjectURL(url);\r\n toast(t('toastWordDl'),'success');\r\n}\r\n\r\n\/* ---------------------------------------------------------------- LANG ---------------------------------------------------------------- *\/\r\nfunction switchLang(l){\r\n lang=l;\r\n document.querySelectorAll('.lang-btn').forEach(b=>b.classList.toggle('active',b.dataset.lang===l));\r\n document.querySelectorAll('[data-i18n]').forEach(el=>{ const v=t(el.dataset.i18n); if(v) el.innerHTML=v; });\r\n document.querySelectorAll('select option[data-i18n]').forEach(opt=>{ const v=t(opt.dataset.i18n); if(v) opt.textContent=v; });\r\n updateLive();\r\n}\r\n\r\n\/* ---------------------------------------------------------------- INIT ---------------------------------------------------------------- *\/\r\nfunction init(){\r\n goToFormStep(1);\r\n const todayStr=new Date().toISOString().split('T')[0];\r\n document.getElementById('contractDate').value=todayStr;\r\n const fp=document.getElementById('firstPaymentDate');\r\n if(fp){ const d=new Date(); d.setMonth(d.getMonth()+1); fp.value=d.toISOString().split('T')[0]; }\r\n \/\/ Default lender to Finzeia\r\n const lenderEl=document.getElementById('lender'); if(lenderEl&&!lenderEl.value) lenderEl.value='Finzeia-Credito\u00ae';\r\n const laEl=document.getElementById('lenderAddress'); if(laEl&&!laEl.value) laEl.value='5 Strand, London WC2N 5HR, United Kingdom';\r\n const leEl=document.getElementById('lenderEmail'); if(leEl&&!leEl.value) leEl.value='banking@Finzeia.com';\r\n const lpEl=document.getElementById('lenderPhone'); if(lpEl&&!lpEl.value) lpEl.value='(334) 469-5555';\r\n const lrEl=document.getElementById('lenderRegNum'); if(lrEl&&!lrEl.value) lrEl.value='03910384749';\r\n \/\/ Sync sliders\r\n syncPair('duration','durationNum');\r\n syncPair('rate','rateNum');\r\n \/\/ Amount listener\r\n const amtEl=document.getElementById('amount'); if(amtEl) amtEl.addEventListener('input',updateLive);\r\n \/\/ Lang buttons\r\n document.querySelectorAll('.lang-btn').forEach(b=>b.addEventListener('click',function(){ switchLang(this.dataset.lang); }));\r\n \/\/ Clear invalid on input\r\n document.querySelectorAll('.field input,.field select').forEach(el=>{\r\n el.addEventListener('input',function(){ const b=document.getElementById('f-'+this.id); if(b) b.classList.remove('invalid'); });\r\n });\r\n updateLive();\r\n}\r\n\r\nwindow.loanApp={ generate, backToForm, toggleAmort, clearSig, printPDF, downloadWord, nextStep, prevStep };\r\nif(document.readyState==='loading') document.addEventListener('DOMContentLoaded',init); else init();\r\n\r\n})();\r\n<\/script>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dc5d340 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"dc5d340\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e2b6c8a e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"e2b6c8a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{"background_background":"classic"}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bed88d3 elementor-widget elementor-widget-heading\" data-id=\"bed88d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fonctionnalit\u00e9s principales\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80c431a elementor-widget elementor-widget-image\" data-id=\"80c431a\" 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 fetchpriority=\"high\" decoding=\"async\" width=\"1920\" height=\"826\" src=\"https:\/\/finzeia.com\/wp-content\/uploads\/2025\/01\/H1-1.jpg\" class=\"attachment-full size-full wp-image-422\" alt=\"\" srcset=\"https:\/\/finzeia.com\/wp-content\/uploads\/2025\/01\/H1-1.jpg 1920w, https:\/\/finzeia.com\/wp-content\/uploads\/2025\/01\/H1-1-300x129.jpg 300w, https:\/\/finzeia.com\/wp-content\/uploads\/2025\/01\/H1-1-1024x441.jpg 1024w, https:\/\/finzeia.com\/wp-content\/uploads\/2025\/01\/H1-1-768x330.jpg 768w, https:\/\/finzeia.com\/wp-content\/uploads\/2025\/01\/H1-1-1536x661.jpg 1536w, https:\/\/finzeia.com\/wp-content\/uploads\/2025\/01\/H1-1-600x258.jpg 600w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\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-20e70fb elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"20e70fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\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 class=\"elementor-element elementor-element-f383170 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"f383170\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Gestion du compte en ligne 24h\/24<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Carte bancaire Visa ou Mastercard internationale <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Virements SEPA et SWIFT Application mobile s\u00e9curis\u00e9e <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Protection antifraude et authentification forte<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-81dc382 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"81dc382\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f78c43c elementor-widget-mobile__width-inherit wpr-button-icon-style-inline wpr-button-icon-position-right elementor-widget elementor-widget-wpr-button\" data-id=\"f78c43c\" 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48h352c26.5 0 48-21.5 48-48v-41.6c0-74.2-60.2-134.4-134.4-134.4z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\n\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d88e331 elementor-widget-mobile__width-inherit wpr-button-icon-style-inline wpr-button-icon-position-right elementor-widget elementor-widget-wpr-button\" data-id=\"d88e331\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpr-button.default\">\n\t\t\t\t\t\t\n\t\t\t\n\t\t\n\t\t<div class=\"wpr-button-wrap elementor-clearfix\">\n\t\t<a class=\"wpr-button wpr-button-effect wpr-button-none\" data-text=\"\" href=\"\/login\/\">\n\t\t\t\n\t\t\t<span class=\"wpr-button-content\">\n\t\t\t\t\t\t\t\t\t<span class=\"wpr-button-text\">Se connecter<\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<span class=\"wpr-button-icon\"><svg class=\"e-font-icon-svg e-fas-arrow-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path 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data-widget_type=\"form.default\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"Formulaire: Contract Bancaires\" aria-label=\"Formulaire: Contract Bancaires\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"21102\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"01e69c7\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Finzeia-Credito\u00ae\" \/>\n\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-select elementor-field-group elementor-column elementor-field-group-services elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-services\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tServices\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field elementor-select-wrapper remove-before \">\n\t\t\t<div class=\"select-caret-down-wrapper\">\n\t\t\t\t<svg aria-hidden=\"true\" 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elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tNom complet\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-sm elementor-field-textual\" placeholder=\"Nom & Pr\u00e9nom\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tEmail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm elementor-field-textual\" placeholder=\"Email\" 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elementor-screen-only\">\n\t\t\t\t\t\t\t\tMessage\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field elementor-size-sm\" name=\"form_fields[message]\" id=\"form-field-message\" rows=\"4\" placeholder=\"Message\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Envoyer<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\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\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Accueil \/ Contract Bancaires Finzeia-Credito\u00ae Contrat de Pr\u00eat G\u00e9n\u00e9ration du contrat Finzeia Finzeia-Credito\u00ae Secure Digital Banking for Individuals & Professionals Contrat de Pr\u00eat Personnalis\u00e9 G\u00e9n\u00e9rez votre contrat professionnel en quelques secondes. FR EN ES DE NL PT LT 1 Informations 2 Calcul 3 Contrat Informations Emprunteur Coordonn\u00e9es personnelles de l’emprunteur Nom complet Ce champ est requis Adresse e-mail Email invalide T\u00e9l\u00e9phone Ce champ est requis Nationalit\u00e9 Ce champ est requis Adresse postale compl\u00e8te Ce champ est requis Pi\u00e8ce d’identit\u00e9 n\u00b0 Ce champ est requis Date du contrat Ce champ est requis Suivant \u2192 Informations Pr\u00eateur \/ Organisme Coordonn\u00e9es compl\u00e8tes de l’organisme pr\u00eateur Nom du pr\u00eateur \/ organisme Ce champ est requis N\u00b0 d’enregistrement Adresse du pr\u00eateur Ce champ est requis E-mail du pr\u00eateur Email invalide T\u00e9l\u00e9phone du pr\u00eateur \u2190 Retour Suivant \u2192 D\u00e9tails du Pr\u00eat Conditions financi\u00e8res du financement Montant du pr\u00eat (\u20ac) Montant entre 500 \u20ac et 500 000 \u20ac Type de pr\u00eat Pr\u00eat personnelPr\u00eat immobilierPr\u00eat automobilePr\u00eat \u00e9tudiantPr\u00eat professionnel Dur\u00e9e de remboursement mois De 3 \u00e0 360 mois Taux d’int\u00e9r\u00eat annuel % De 0.1 % \u00e0 25 % annuel Objet du pr\u00eat Ce champ est requis Frais de dossier (\u20ac) Frais fixes de traitement du dossier Taxe sur contrat (%) Taxe applicable sur le montant emprunt\u00e9 Motif et description des frais 1\u00e8re date d’\u00e9ch\u00e9ance Date de la premi\u00e8re mensualit\u00e9 (modifiable) Mensualit\u00e9 \u20ac \/ mois Co\u00fbt total \u20ac Int\u00e9r\u00eats \u20ac \u2190 Retour G\u00e9n\u00e9rer le contrat Contrat g\u00e9n\u00e9r\u00e9 Modifier Word (.doc) T\u00e9l\u00e9charger PDF Tableau d’amortissement complet Fonctionnalit\u00e9s principales Gestion du compte en ligne 24h\/24 Carte bancaire Visa ou Mastercard internationale Virements SEPA et SWIFT Application mobile s\u00e9curis\u00e9e Protection antifraude et authentification forte Commencer avec nous Se connecter Obtenez une consultation gratuite\u00a0?<\/p>","protected":false},"author":1,"featured_media":0,"parent":20707,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"footnotes":""},"class_list":["post-21102","page","type-page","status-publish","hentry"],"yoast_head":"\n<title>Contract Bancaires - Finzeia-Credito\u00ae<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/finzeia.com\/it\/services\/contract-bancaires\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Contract Bancaires\" \/>\n<meta property=\"og:description\" content=\"Accueil \/ Contract Bancaires Finzeia-Credito\u00ae Contrat de Pr\u00eat G\u00e9n\u00e9ration du contrat Finzeia Finzeia-Credito\u00ae Secure Digital Banking for Individuals & Professionals Contrat de Pr\u00eat Personnalis\u00e9 G\u00e9n\u00e9rez votre contrat professionnel en quelques secondes. 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