{"id":905,"date":"2025-11-02T20:53:51","date_gmt":"2025-11-02T20:53:51","guid":{"rendered":"https:\/\/harbor-meridian.com\/resources-simulations\/"},"modified":"2025-12-29T23:06:41","modified_gmt":"2025-12-29T23:06:41","slug":"resources-simulations","status":"publish","type":"page","link":"https:\/\/harbor-meridian.com\/en\/resources-simulations\/","title":{"rendered":"Resources &amp; Simulations"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"905\" class=\"elementor elementor-905 elementor-18\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ede4a75 e-con-full wd-section-stretch e-flex e-con e-parent\" data-id=\"ede4a75\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4fdfe90 e-con-full wd-section-stretch e-flex e-con e-child\" data-id=\"4fdfe90\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-598f170 wd-section-stretch e-flex e-con-boxed e-con e-child\" data-id=\"598f170\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-44256ea wd-width-100 elementor-widget elementor-widget-wd_title\" data-id=\"44256ea\" data-element_type=\"widget\" data-widget_type=\"wd_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<link rel=\"stylesheet\" id=\"wd-section-title-css\" href=\"https:\/\/harbor-meridian.com\/wp-content\/themes\/woodmart\/css\/parts\/el-section-title.min.css?ver=7.4.3\" type=\"text\/css\" media=\"all\" \/> \t\t\t\t\t<div class=\"title-wrapper set-mb-s reset-last-child wd-title-color-default wd-title-style-default wd-title-size-default text-center\">\n\n\t\t\t\n\t\t\t<div class=\"liner-continer\">\n\t\t\t\t<h1 class=\"woodmart-title-container title wd-fontsize-l\">Resources &amp; Simulations<\/h1> \n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d829c01 e-flex e-con-boxed e-con e-parent\" data-id=\"d829c01\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12072f0 elementor-widget elementor-widget-wd_text_block\" data-id=\"12072f0\" data-element_type=\"widget\" data-widget_type=\"wd_text_block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<link rel=\"stylesheet\" id=\"wd-text-block-css\" href=\"https:\/\/harbor-meridian.com\/wp-content\/themes\/woodmart\/css\/parts\/el-text-block.min.css?ver=7.4.3\" type=\"text\/css\" media=\"all\" \/> \t\t\t\t\t<div class=\"wd-text-block reset-last-child text-left\">\n\t\t\t\n\t\t\t<h2><span style=\"color: #000000;\">International Wealth Management: The Challenges of Private International Law<\/span><\/h2><div><p><span style=\"color: #000000;\">In the context of international wealth management, it is essential to consider <strong data-start=\"2561\" data-end=\"2593\">a wide range of legal issues<\/strong>, particularly in <strong data-start=\"2611\" data-end=\"2636\">tax and civil matters<\/strong>, and more broadly in <strong data-start=\"2658\" data-end=\"2687\">private international law<\/strong>.<\/span><\/p><\/div><div><p><span style=\"color: #000000;\">This discipline specifically aims to resolve difficulties arising from the <strong>coexistence of several legal systems<\/strong> that may apply to a single situation involving a <strong>foreign element<\/strong> (for example: residence in one state, assets in another, different nationality, heirs spread across several countries, etc.).<\/span><\/p><\/div><div><p><span style=\"color: #000000;\">On this page, we present some key topics in private international law, and we also provide you with <strong>a loan amortization schedule simulation<\/strong> for a bank loan.<\/span><\/p><\/div><div><p><span style=\"color: #000000;\">For any information regarding international tax treaties, it is recommended to refer to the official website of the French tax administration, accessible at <span style=\"text-decoration: underline; color: #0000ff;\"><a style=\"color: #0000ff; text-decoration: underline;\" href=\"https:\/\/www.impots.gouv.fr\/les-conventions-internationales\">impots.gouv.fr<\/a><\/span><\/span><\/p><\/div><h4><strong>Documents to download<\/strong><\/h4><p style=\"font-weight: 400;\"><span style=\"color: #000000;\">Additionally, you will find below some reference documents for download:<\/span><\/p><ol><li><span style=\"color: #000000;\"><strong>Rome I Regulation (EC) No 593\/2008 <\/strong>of the European Parliament and of the Council of 17 June 2008 on the law applicable to contractual obligations <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/harbor-meridian.com\/wp-content\/uploads\/2025\/12\/Reglement-Rome.pdf\" target=\"_blank\" rel=\"noopener\">(<strong>Rome I<\/strong>),<\/a><\/span><\/span><\/li><li><span style=\"color: #000000;\"><strong>EU Succession Regulation (EU) No 650\/2012 <\/strong>of the European Parliament and of the Council of 4 July 2012 on jurisdiction, applicable law, recognition and enforcement of decisions in matters of succession and on the creation of a European Certificate of Succession <a href=\"https:\/\/harbor-meridian.com\/wp-content\/uploads\/2025\/12\/Reglement-Succession-14-Juillet-2012.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #0000ff;\"><strong>(Succession Regulation<\/strong>)<\/span><\/a><\/span><\/li><li><span style=\"color: #000000;\"><strong>Switzerland \u2014 Federal Act on Private International Law <a href=\"https:\/\/harbor-meridian.com\/wp-content\/uploads\/2025\/12\/LDIP.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #0000ff;\">(PILA)<\/span><\/a><\/strong><\/span><\/li><li><span style=\"color: #000000;\"><strong>Council Regulation (EU) 2016\/1103 of 24 June 2016 <\/strong>implementing enhanced cooperation in the area of jurisdiction, applicable law and the recognition and enforcement of decisions<strong> in matters of<a href=\"https:\/\/harbor-meridian.com\/wp-content\/uploads\/2025\/12\/FR-Regimes-matrimoniaux.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #0000ff;\"> matrimonial property regimes<\/span><\/a><\/strong><\/span><\/li><\/ol><p><strong><span style=\"color: #000000;\">Documents in English: <\/span><\/strong><\/p><ul><li><span style=\"color: #000000;\"><strong>Rome I Regulation (EC) No 593\/2008 \u2013 <a href=\"https:\/\/harbor-meridian.com\/wp-content\/uploads\/2025\/12\/Rome-I-Regulation-EC-No-5932008-%E2%80%93-English-version-PDF.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #0000ff;\">English version (PDF)<\/span><\/a><\/strong><\/span><\/li><li><span style=\"color: #000000;\"><strong>EU Succession Regulation (EU) No 650\/2012 \u2013<a href=\"https:\/\/harbor-meridian.com\/wp-content\/uploads\/2025\/12\/EU-Succession-Regulation-EU-No-6502012-%E2%80%93-English-version-PDF.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #0000ff;\"> English version (PDF)<\/span><\/a><\/strong><\/span><\/li><li><span style=\"color: #000000;\"><strong>Swiss Federal Act on Private International Law (PILA) \u2013 <a href=\"https:\/\/harbor-meridian.com\/wp-content\/uploads\/2025\/12\/PILA.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #0000ff;\">English version (PDF)<\/span><\/a><\/strong><\/span><\/li><li><span style=\"color: #000000;\"><strong>Council Regulation (EU) 2016\/1103 (Matrimonial Property Regimes) \u2013 <a href=\"https:\/\/harbor-meridian.com\/wp-content\/uploads\/2025\/12\/EN-Regimes-matrimoniaux.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #0000ff;\">English version (PDF)<\/span><\/a><\/strong><\/span><\/li><\/ul><p style=\"font-weight: 400; text-align: center;\"><span style=\"color: #ff0000;\"><em><strong>\u201cThis translation is provided for information purposes only and has no legal force\u201d<\/strong><\/em><\/span><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27ba55d elementor-widget elementor-widget-n-accordion\" data-id=\"27ba55d\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-4160\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-4160\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Conflicts of Laws: Understanding the 'Conflict of Connecting Factors' <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-4160\" class=\"elementor-element elementor-element-f7246f7 e-con-full e-flex e-con e-child\" data-id=\"f7246f7\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-4160\" class=\"elementor-element elementor-element-f7cdf0a e-flex e-con-boxed e-con e-child\" data-id=\"f7cdf0a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2768a03 elementor-widget elementor-widget-wd_text_block\" data-id=\"2768a03\" data-element_type=\"widget\" data-widget_type=\"wd_text_block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"wd-text-block reset-last-child text-left\">\n\t\t\t\n\t\t\t<h3><span style=\"color: #000000;\">Which Law Applies in a Multi-State Situation?<\/span><\/h3><p style=\"font-weight: 400;\" data-start=\"2991\" data-end=\"3292\"><span style=\"color: #000000;\">When a situation involves several countries, the central question is:\u00a0<strong data-start=\"3061\" data-end=\"3083\">which law applies?<\/strong><\/span><br data-start=\"3083\" data-end=\"3086\" \/><span style=\"color: #000000;\">To answer this, each State relies on a\u00a0<strong data-start=\"3125\" data-end=\"3155\">conflict-of-laws rule (CR)<\/strong>.<\/span><br data-start=\"3156\" data-end=\"3159\" \/><span style=\"color: #000000;\">Such a rule does not decide the merits of the dispute, but rather\u00a0<strong data-start=\"3225\" data-end=\"3258\">designates the applicable law<\/strong>\u00a0based on a\u00a0<strong data-start=\"3270\" data-end=\"3291\">connecting factor<\/strong>.<\/span><\/p><h3 data-start=\"3294\" data-end=\"3335\"><span style=\"color: #000000;\">Examples of Common Connecting Factors<\/span><\/h3><ul><li data-start=\"3339\" data-end=\"3375\"><span style=\"color: #000000;\">a person\u2019s <strong data-start=\"3350\" data-end=\"3372\">habitual residence<\/strong>;<\/span><\/li><li data-start=\"3378\" data-end=\"3396\"><span style=\"color: #000000;\"><strong data-start=\"3378\" data-end=\"3393\">nationality<\/strong>;<\/span><\/li><li data-start=\"3399\" data-end=\"3457\"><span style=\"color: #000000;\">the <strong data-start=\"3403\" data-end=\"3427\">location of an asset<\/strong>, in particular real estate;<\/span><\/li><li data-start=\"3460\" data-end=\"3517\"><span style=\"color: #000000;\">the <strong data-start=\"3464\" data-end=\"3516\">place of conclusion or performance of a contract<\/strong>.<\/span><\/li><\/ul><h3 data-start=\"3519\" data-end=\"3553\"><span style=\"color: #000000;\">Conflict of Connecting Factors<\/span><\/h3><p style=\"font-weight: 400;\" data-start=\"3555\" data-end=\"3774\"><span style=\"color: #000000;\">Even where the States concerned classify the matter within the\u00a0<strong data-start=\"3618\" data-end=\"3641\">same legal category<\/strong>\u00a0(e.g. succession, matrimonial property regime, contract), their conflict-of-laws rules may rely on\u00a0<strong data-start=\"3741\" data-end=\"3773\">different connecting factors<\/strong>.<\/span><\/p><p style=\"font-weight: 400;\" data-start=\"3776\" data-end=\"3937\"><span style=\"color: #000000;\">\ud83d\udc49\u00a0<strong data-start=\"3779\" data-end=\"3789\">Result<\/strong>: these rules may lead to the designation of\u00a0<strong data-start=\"3834\" data-end=\"3863\">different applicable laws<\/strong>, creating\u00a0<strong data-start=\"3874\" data-end=\"3895\">legal uncertainty<\/strong>\u00a0and potentially a\u00a0<strong data-start=\"3914\" data-end=\"3936\">risk of litigation<\/strong>.<\/span><\/p><h3><span style=\"color: #000000;\">1) Positive Conflict<\/span><\/h3><p style=\"font-weight: 400;\" data-start=\"3970\" data-end=\"4086\"><span style=\"color: #000000;\">A\u00a0<strong data-start=\"3972\" data-end=\"3993\">positive conflict<\/strong>\u00a0arises when\u00a0<strong data-start=\"4006\" data-end=\"4036\">each conflict-of-laws rule<\/strong>\u00a0assigns jurisdiction to\u00a0<strong data-start=\"4061\" data-end=\"4085\">its own domestic law<\/strong>.<\/span><\/p><h4 data-start=\"4088\" data-end=\"4104\"><span style=\"color: #000000;\">In Practice<\/span><\/h4><p style=\"font-weight: 400;\" data-start=\"4106\" data-end=\"4265\"><span style=\"color: #000000;\">This is no longer merely a conflict between two substantive laws, but a\u00a0<strong data-start=\"4178\" data-end=\"4217\">conflict between two conflict rules<\/strong>:<\/span> <span style=\"color: #000000;\">each State asserts that\u00a0<strong data-start=\"4245\" data-end=\"4264\">its law applies<\/strong>.<\/span><\/p><h4 data-start=\"4267\" data-end=\"4290\"><span style=\"color: #000000;\">Possible Solutions<\/span><\/h4><p style=\"font-weight: 400;\" data-start=\"4292\" data-end=\"4521\"><span style=\"color: #000000;\"><strong data-start=\"4292\" data-end=\"4351\">Legal Solution: Harmonisation of Conflict-of-Laws Rules<\/strong><\/span><br data-start=\"4351\" data-end=\"4354\" \/><span style=\"color: #000000;\">Example: the\u00a0<strong data-start=\"4367\" data-end=\"4395\">EU Succession Regulation<\/strong>\u00a0has significantly reduced such conflicts within the European Union by unifying the method for determining the applicable law.<\/span><\/p><p style=\"font-weight: 400;\" data-start=\"4523\" data-end=\"4720\"><span style=\"color: #000000;\"><strong data-start=\"4523\" data-end=\"4579\">Pragmatic Solution: Application of the Lex Fori Rule<\/strong><\/span><br data-start=\"4579\" data-end=\"4582\" \/><span style=\"color: #000000;\">In the absence of international coordination, courts generally apply the\u00a0<strong data-start=\"4655\" data-end=\"4706\">conflict-of-laws rule of their own legal system<\/strong>(<em data-start=\"4708\" data-end=\"4718\">lex fori<\/em>).<\/span><\/p><h3><span style=\"color: #000000;\">2) Negative Conflict<\/span><\/h3><p style=\"font-weight: 400;\" data-start=\"4753\" data-end=\"4870\"><span style=\"color: #000000;\">A\u00a0<strong data-start=\"4755\" data-end=\"4776\">negative conflict<\/strong>\u00a0arises when each conflict-of-laws rule refers jurisdiction to\u00a0<strong data-start=\"4839\" data-end=\"4869\">the law of the other State<\/strong>.<\/span><\/p><h4 data-start=\"4872\" data-end=\"4891\"><span style=\"color: #000000;\">In Other Words<\/span><\/h4><p style=\"font-weight: 400;\" data-start=\"4893\" data-end=\"5004\"><span style=\"color: #000000;\">No legal system\u00a0<strong data-start=\"4909\" data-end=\"4940\">considers itself applicable<\/strong>.<\/span><br data-start=\"4941\" data-end=\"4944\" \/><span style=\"color: #000000;\">Each refers to the other, resulting in a\u00a0<strong data-start=\"4985\" data-end=\"5003\">legal deadlock<\/strong>.<\/span><\/p><h4 data-start=\"5006\" data-end=\"5035\"><span style=\"color: #000000;\">The Key Question: Renvoi<\/span><\/h4><p style=\"font-weight: 400;\" data-start=\"5037\" data-end=\"5292\"><span style=\"color: #000000;\">In such cases, it must be determined whether the legal system accepts the mechanism of\u00a0<strong data-start=\"5124\" data-end=\"5134\">renvoi<\/strong>.<\/span><br data-start=\"5135\" data-end=\"5138\" \/><span style=\"color: #000000;\">Renvoi consists of accepting that the designated foreign law \u2014 or more precisely\u00a0<strong data-start=\"5219\" data-end=\"5252\">its private international law<\/strong>\u00a0\u2014\u00a0<strong data-start=\"5255\" data-end=\"5291\">refers the matter to another law<\/strong>.<\/span><\/p><p style=\"font-weight: 400;\">\u00a0<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-4161\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-4161\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Which Law Applies to Matrimonial Property Regimes? Three Key Periods  <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-4161\" class=\"elementor-element elementor-element-7f5e040 e-flex e-con-boxed e-con e-child\" data-id=\"7f5e040\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-4161\" class=\"elementor-element elementor-element-e69a89c e-con-full e-flex e-con e-child\" data-id=\"e69a89c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0f73e70 elementor-widget elementor-widget-wd_text_block\" data-id=\"0f73e70\" data-element_type=\"widget\" data-widget_type=\"wd_text_block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"wd-text-block reset-last-child text-left\">\n\t\t\t\n\t\t\t<h4 style=\"font-weight: 400;\"><span style=\"color: #000000;\"><strong>Applicable Legal Regime According to the Date of Marriage<\/strong><\/span><\/h4><ul><li data-start=\"289\" data-end=\"357\"><span style=\"color: #000000;\">Marriages celebrated <strong data-start=\"307\" data-end=\"338\">before September 1, 1992<\/strong>: <em data-start=\"341\" data-end=\"355\">Common Law<\/em><\/span><\/li><li data-start=\"360\" data-end=\"428\"><span style=\"color: #000000;\">Marriages celebrated <strong data-start=\"378\" data-end=\"400\">between 1992 and 2019<\/strong>: <em data-start=\"403\" data-end=\"426\">Hague Convention<\/em><\/span><\/li><li data-start=\"431\" data-end=\"499\"><span style=\"color: #000000;\">Marriages celebrated <strong data-start=\"449\" data-end=\"463\">after 2019<\/strong>: <em data-start=\"466\" data-end=\"499\">European Union Regulation<\/em><\/span><\/li><\/ul><p style=\"font-weight: 400;\"><span style=\"color: #000000;\">Marriages celebrated from January 29, 2019 onwards: application of Regulation (EU) 2016\/1103 in Member States participating in enhanced cooperation.<\/span><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd9449c elementor-widget elementor-widget-n-accordion\" data-id=\"cd9449c\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2150\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2150\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Participating Member States (applicable regulation) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region region\" aria-labelledby=\"e-n-accordion-item-4161 e-n-accordion-item-2150\" class=\"elementor-element elementor-element-78bcfab e-con-full e-flex e-con e-child\" data-id=\"78bcfab\" data-element_type=\"container\">\n\t\t<div role=\"region region\" aria-labelledby=\"e-n-accordion-item-4161 e-n-accordion-item-2150\" class=\"elementor-element elementor-element-681252d e-flex e-con-boxed e-con e-child\" data-id=\"681252d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-889a6c6 elementor-widget elementor-widget-wd_text_block\" data-id=\"889a6c6\" data-element_type=\"widget\" data-widget_type=\"wd_text_block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"wd-text-block reset-last-child text-left\">\n\t\t\t\n\t\t\t<p style=\"font-weight: 400;\"><span style=\"color: #000000;\">The following <strong data-start=\"330\" data-end=\"342\">18 States<\/strong> apply the regulation on <strong data-start=\"388\" data-end=\"412\">matrimonial property regimes<\/strong>:<\/span><\/p><ul><li data-start=\"418\" data-end=\"433\"><span style=\"color: #000000;\"><strong data-start=\"418\" data-end=\"431\">Germany<\/strong><\/span><\/li><li data-start=\"436\" data-end=\"450\"><span style=\"color: #000000;\"><strong data-start=\"436\" data-end=\"448\">Austria<\/strong><\/span><\/li><li data-start=\"453\" data-end=\"467\"><span style=\"color: #000000;\"><strong data-start=\"453\" data-end=\"465\">Belgium<\/strong><\/span><\/li><li data-start=\"470\" data-end=\"484\"><span style=\"color: #000000;\"><strong data-start=\"470\" data-end=\"482\">Bulgaria<\/strong><\/span><\/li><li data-start=\"487\" data-end=\"499\"><span style=\"color: #000000;\"><strong data-start=\"487\" data-end=\"497\">Cyprus<\/strong><\/span><\/li><li data-start=\"502\" data-end=\"515\"><span style=\"color: #000000;\"><strong data-start=\"502\" data-end=\"513\">Croatia<\/strong><\/span><\/li><li data-start=\"518\" data-end=\"531\"><span style=\"color: #000000;\"><strong data-start=\"518\" data-end=\"529\">Spain<\/strong><\/span><\/li><li data-start=\"534\" data-end=\"548\"><span style=\"color: #000000;\"><strong data-start=\"534\" data-end=\"546\">Finland<\/strong><\/span><\/li><li data-start=\"551\" data-end=\"563\"><span style=\"color: #000000;\"><strong data-start=\"551\" data-end=\"561\">France<\/strong><\/span><\/li><li data-start=\"566\" data-end=\"577\"><span style=\"color: #000000;\"><strong data-start=\"566\" data-end=\"575\">Greece<\/strong><\/span><\/li><li data-start=\"580\" data-end=\"592\"><span style=\"color: #000000;\"><strong data-start=\"580\" data-end=\"590\">Italy<\/strong><\/span><\/li><li data-start=\"595\" data-end=\"611\"><span style=\"color: #000000;\"><strong data-start=\"595\" data-end=\"609\">Luxembourg<\/strong><\/span><\/li><li data-start=\"614\" data-end=\"625\"><span style=\"color: #000000;\"><strong data-start=\"614\" data-end=\"623\">Malta<\/strong><\/span><\/li><li data-start=\"628\" data-end=\"642\"><span style=\"color: #000000;\"><strong data-start=\"628\" data-end=\"640\">Netherlands<\/strong><\/span><\/li><li data-start=\"645\" data-end=\"659\"><span style=\"color: #000000;\"><strong data-start=\"645\" data-end=\"657\">Portugal<\/strong><\/span><\/li><li data-start=\"662\" data-end=\"686\"><span style=\"color: #000000;\"><strong data-start=\"662\" data-end=\"684\">Czech Republic<\/strong><\/span><\/li><li data-start=\"689\" data-end=\"703\"><span style=\"color: #000000;\"><strong data-start=\"689\" data-end=\"701\">Slovenia<\/strong><\/span><\/li><li data-start=\"706\" data-end=\"715\"><span style=\"color: #000000;\"><strong data-start=\"706\" data-end=\"715\">Sweden<\/strong><\/span><\/li><\/ul><p style=\"font-weight: 400;\" data-start=\"717\" data-end=\"887\"><span style=\"color: #000000;\">\ud83d\udc49 These States uniformly apply the rules of <strong data-start=\"775\" data-end=\"789\">jurisdiction<\/strong>, <strong data-start=\"794\" data-end=\"812\">applicable law<\/strong>, and <strong data-start=\"819\" data-end=\"851\">recognition of decisions<\/strong> in matters of matrimonial property regimes.<\/span><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2151\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2151\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Non-participating Member States <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region region\" aria-labelledby=\"e-n-accordion-item-4161 e-n-accordion-item-2151\" class=\"elementor-element elementor-element-0fe895c e-con-full e-flex e-con e-child\" data-id=\"0fe895c\" data-element_type=\"container\">\n\t\t<div role=\"region region\" aria-labelledby=\"e-n-accordion-item-4161 e-n-accordion-item-2151\" class=\"elementor-element elementor-element-5ca6f9e e-flex e-con-boxed e-con e-child\" data-id=\"5ca6f9e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43d2e06 elementor-widget elementor-widget-wd_text_block\" data-id=\"43d2e06\" data-element_type=\"widget\" data-widget_type=\"wd_text_block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"wd-text-block reset-last-child text-left\">\n\t\t\t\n\t\t\t<p style=\"font-weight: 400;\" data-start=\"929\" data-end=\"1039\"><span style=\"color: #000000;\">The other European Union States** do not participate** in this regulation, including:<\/span><\/p><ul><li data-start=\"1042\" data-end=\"1101\"><span style=\"color: #000000;\"><strong data-start=\"1042\" data-end=\"1054\">Denmark<\/strong> (opt-out in judicial cooperation)<\/span><\/li><li data-start=\"1104\" data-end=\"1115\"><span style=\"color: #000000;\"><strong data-start=\"1104\" data-end=\"1115\">Ireland<\/strong><\/span><\/li><li data-start=\"1118\" data-end=\"1129\"><span style=\"color: #000000;\"><strong data-start=\"1118\" data-end=\"1129\">Hungary<\/strong><\/span><\/li><li data-start=\"1132\" data-end=\"1143\"><span style=\"color: #000000;\"><strong data-start=\"1132\" data-end=\"1143\">Poland<\/strong><\/span><\/li><li data-start=\"1146\" data-end=\"1158\"><span style=\"color: #000000;\"><strong data-start=\"1146\" data-end=\"1158\">Romania<\/strong><\/span><\/li><li data-start=\"1161\" data-end=\"1174\"><span style=\"color: #000000;\"><strong data-start=\"1161\" data-end=\"1174\">Slovakia<\/strong><\/span><\/li><li data-start=\"1177\" data-end=\"1188\"><span style=\"color: #000000;\"><strong data-start=\"1177\" data-end=\"1188\">Estonia<\/strong><\/span><\/li><li data-start=\"1191\" data-end=\"1203\"><span style=\"color: #000000;\"><strong data-start=\"1191\" data-end=\"1203\">Latvia<\/strong><\/span><\/li><li data-start=\"1206\" data-end=\"1218\"><span style=\"color: #000000;\"><strong data-start=\"1206\" data-end=\"1218\">Lithuania<\/strong><\/span><\/li><\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-4162\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-4162\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Loan Simulator &amp; Amortization Schedule <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-4162\" class=\"elementor-element elementor-element-67c8876 e-con-full e-flex e-con e-child\" data-id=\"67c8876\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-4162\" class=\"elementor-element elementor-element-b0607d2 e-flex e-con-boxed e-con e-child\" data-id=\"b0607d2\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-26619a0 elementor-widget elementor-widget-wd_text_block\" data-id=\"26619a0\" data-element_type=\"widget\" data-widget_type=\"wd_text_block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"wd-text-block reset-last-child text-left\">\n\t\t\t\n\t\t\t    <div class=\"wp-loan-calculator-main\" id=\"wp-loan-calculator-main\">\n        <style type=\"text\/css\">\n            :root {\n                --calc-background-color: #242c4c;\n                --calc-select-color: #404245;\n                --calc-bg-light-color: #ecf5fe;\n                --calc-border-color: #000000;\n                --calc-graph-color: #ebeeff;\n                --calc-graph-color-sub: #53597d;\n                --calc-graph-border-color: #1e73be;\n                --calc-graph-border-color-sub: #ffffff;\n                --calc-graph-balance-border-color: #b8204c;\n                --calc-graph-balance-point-background-color: #b8204c;\n                --calc-graph-extra-payment-graph-color: #00636b;\n                --calc-summary-chart-principal-fill-color: #ed8c2b;\n                --calc-summary-chart-interest-fill-color: #88a825;\n                --calc-summary-chart-balloon-payment-fill-color: #25649f;\n                --calc-summary-chart-down-payment-fill-color: #b8204c;\n                --calc-summary-chart-extra-payment-fill-color: #cf4a30;                \n\n            }\n        <\/style>\n        <div id=\"overlay\" style=\"display: none;\"><\/div>\n        <div id=\"loader\" style=\"display: none;\">\n          <div class=\"spinner\"><\/div>\n      <\/div>\n      <section class=\"heading-section\">\n        <div class=\"menu-sec-cls\">\n            <ul class=\"heading-sec-link\">\n                                    <li>\n                        <a href=\"javascript:void(0);\" class=\"print-table\"><i class=\"fa fa-print\" aria-hidden=\"true\"><\/i>Print<\/a>\n                    <\/li>\n                                                    <li>\n                        <a href=\"javascript:void(0);\" onclick=\"jQuery('.about-this-calculator-popup').show();jQuery('body').addClass('body-overflow-hidden');\"><i class=\"fa fa-info-circle\" aria-hidden=\"true\"><\/i>About this calculator<\/a>\n                    <\/li>\n                            <\/ul>\n        <\/div>\n        <div class=\"about-this-calculator-popup\" style=\"display: none;\">\n            <div class=\"about-this-calculator-popup-body\">\n                <a href=\"javascript:void(0);\" class=\"close-button\" onclick=\"jQuery('.about-this-calculator-popup').hide();jQuery('body').removeClass('body-overflow-hidden');\">\u2715<\/a>\n                                <div class=\"calculator-content\"><h1>Calculator Information<\/h1>\r\n        The Equipment Finance Calculator calculates the type of repayment required, at the frequency requested, in respect of the loan parameters entered, namely amount, term and interest rate. The Product selected determines the default interest rate for personal loan product.\r\n\r\n        The Equipment Finance Calculator also calculates the time saved to pay off the loan and the amount of interest saved based on an additional input from the customer. This is if repayments are increased by the entered amount of extra contribution per repayment period. This feature is only enabled for the products that support an extra repayment.\r\n\r\n        The calculations are done at the repayment frequency entered, in respect of the original loan parameters entered, namely amount, annual interest rate and term in years.\r\n        <h1>Calculator Assumptions<\/h1>\r\n        <h3>Length of Month<\/h3>\r\n        All months are assumed to be of equal length. In reality, many loans accrue on a daily basis leading to a varying number of days interest dependent on the number of days in the particular month.\r\n        <h3>Number of Weeks or Fortnights in a Year<\/h3>\r\n        One year is assumed to contain exactly 52 weeks or 26 fortnights. This implicitly assumes that a year has 364 days rather than the actual 365 or 366.\r\n        <h3>Rounding of Amount of Each Repayment<\/h3>\r\n        In practice, repayments are rounded to at least the nearer cent. However the calculator uses the unrounded repayment to derive the amount of interest payable at points along the graph and in total over the full term of the loan. This assumption allows for a smooth graph and equal repayment amounts. Note that the final repayment after the increase in repayment amount.\r\n        <h3>Rounding of Time Saved<\/h3>\r\n        The time saved is presented as a number of years and months, fortnights or weeks, based on the repayment frequency selected. It assumes the potential partial last repayment when calculating the savings.\r\n        <h3>Amount of Interest Saved<\/h3>\r\n        This amount can only be approximated from the amount of time saved and based on the original loan details.\r\n        <h3>Calculator Disclaimer<\/h3>\r\n        The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for the product. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change.<\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n    <section id=\"main-sec\" class=\"ctm_main_wrap\">\n        <section class=\"calculator-heading-section calculator-heading-block\">\n            <div class=\"calculator-child-heading\">\n                <h2>\n                    <center><strong>Feel free to use our Equipment Finance Calculator<\/strong><\/center>\n                <\/h2>\n            <\/div>\n        <\/section>\n        <section class=\"loan-option-text-info\">\n            <div class=\"custom-container loan-option-text-info-section\">\n                <div class=\"loan-option-text-info-block\">\n                    <div class=\"first-row\">\n                        <div class=\"first-row-sub-child \"  >\n\n                            <label for=\"loan_amt\" class=\"loan-text\">Loan Amount<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"1\"><\/i><span class=\"text-tooltip-disp\">Please enter your loan amount here.<\/span><\/label>\n                            <div class=\"loan-text-dis loan-amount\">\n                                <span class=\"extra-info\">&euro;<\/span>\n                                <input type=\"text\" name=\"loan_amount\" id=\"loan_amount\" value=\"\" tabindex=\"2\" oninput=\"validateInputLoanRate(this)\" onkeydown=\"return onlyNos(event,'loan_amount')\" \/>\n                            <\/div>\n                            <input type=\"range\" min=\"1000\" max=\"1000000\" value=\"10000\" class=\"slider \" id=\"loan_amount_range\" tabindex=\"3\" >\n                        <\/div>\n                        <div class=\"first-row-sub-child \">\n                            <label for=\"loan_terms\" class=\"loan-text\">No. of Payments<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"4\"><\/i><span class=\"text-tooltip-disp\">Please enter the number of years in which you plan to repay the loan.<\/span><\/label>\n                            <div class=\"loan-number-payment-with-label\">\n                                <div class=\"loan-text-dis no-payment\">\n                                    <!-- <span class=\"extra-info\"><\/\/?php echo __('Months', 'loan-calculator-wp'); ?><\/span> -->\n                                                                            <select name=\"repayment_freq\" id=\"repayment_freq\" class=\"payment-opt-drop \">\n                                                                                            <option value=\"Monthly\" selected>Monthly<\/option>\n                                                                                                <option value=\"Quarterly\" >Quarterly<\/option>\n                                                                                                <option value=\"Yearly\" >Yearly<\/option>\n                                                                                                <option value=\"Weekly\" >Weekly<\/option>\n                                                                                                <option value=\"Fortnight\" >Fortnightly<\/option>\n                                                                                        <\/select>                                  \n                                                                        <input type=\"text\" name=\"loan_terms\" min=\"12\" max=\"360\" maxlength=\"5\" id=\"loan_terms\" value=\"\" tabindex=\"5\" onkeydown=\"return onlyNos(event,'loan_terms')\" \/>\n\n                                <\/div>\n\n                                                            <\/div>\n\n                            <input type=\"range\" min=\"12\" max=\"360\" value=\"12\" class=\"slider \" id=\"loan_terms_range\" tabindex=\"6\" step=\"1\">\n                            <input type=\"hidden\" name=\"default_value\" value=\"12\">\n                            <input type=\"hidden\" name=\"min_value\" value=\"12\">\n                            <input type=\"hidden\" name=\"max_value\" value=\"360\">\n                            <input type=\"hidden\" name=\"current_repayment_freq\" value=\"\">\n                        <\/div>\n                        <div class=\"first-row-sub-child\" >\n                                                            <div class=\"first-row-main-child\">\n                                    <label for=\"loan_amt\" class=\"loan-text\">Payment Mode<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"8\"><\/i><span class=\"text-tooltip-disp\">Please choose payment mode of the loan.<\/span><\/label>\n                                    <select name=\"payment_type\" id=\"payment_type\" class=\"payment-opt-drop\">\n                                        <option  value=\"In Advance\">In Advance<\/option>\n                                        <option selected value=\"In Arrears\">In Arrears<\/option>\n                                    <\/select>\n                                <\/div>\n                                                       \n                        <\/div>\n                    <\/div>\n                    <div class=\"second-row\">\n                         <div class=\"second-row-sub-child\">\n                            <label for=\"loan_amt\" class=\"loan-text\">Interest Rate<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"8\"><\/i><span class=\"text-tooltip-disp\">The interest rate will default to the product you selected. You can also change the rate up or down to understand the effect on your repayments and total interest payable.<\/span><\/label>\n                            <div class=\"loan-text-dis\">\n                                <input type=\"text\" name=\"interest_rates\" id=\"interest_rates\" value=\"\" tabindex=\"9\"  \/>\n                                <span id=\"interest_rate_range_dis\" class=\"rate_disp\"><\/span>\n                            <\/div>\n                            <input type=\"range\" min=\"1.25\" max=\"15.00\" value=\"4.5\" class=\"slider  \" id=\"interest_rate_range\" tabindex=\"10\" step=\"0.25\">\n                        <\/div>\n                                                    <div class=\"second-row-sub-child\">\n\n                                <div class=\"loan-text-dis\">\n                                    <input type=\"hidden\" name=\"ballon_amounts\" id=\"ballon_amounts\" value=\"\" tabindex=\"11\" onkeydown=\"return onlyNos(event,'ballon_amounts')\" \/>\n\n                                    <input type=\"hidden\" name=\"ballon_amounts_per\" id=\"ballon_amounts_per\" value=\"0\" tabindex=\"12\" \/>\n                                <\/div>\n                                <input type=\"hidden\" id=\"ballon_amount_range\" tabindex=\"13\" step=\"1\" value=\"0\">\n                            <\/div>\n                                            <\/div>\n                    <div class=\"site-wraps-row-downpayment-extrapayment-row\">\n                        \n                                            <\/div>\n                <\/div>\n            <\/div>\n                        <div class=\"loan-detail-section \">\n                <div class=\"loan-detail-section-child\">\n                    <div class=\"sub-main-tab\">\n                        <div class=\"ww-loan-container\">\n                            <div class=\"tabs\">\n\n                                                                \n                                <input type=\"radio\" name=\"tabs\" id=\"tab1\" checked>\n                                <label for=\"tab1\" style=\"display: block;\">\n                                                                            <i class=\"fa fa-chart-bar\"><\/i>\n                                        <span class=\"tooltip-disp\">Repayment Chart<\/span>\n                                                                    <\/label>\n                                <input type=\"radio\" name=\"tabs\" id=\"tab3\" >\n                                <label for=\"tab3\" style=\"display: block;\">\n                                                                            <i class=\"fa fa-tasks\"><\/i>\n                                        <span class=\"tooltip-disp\">Loan Amortization Table<\/span>\n                                                                    <\/label>\n                                <input type=\"radio\" name=\"tabs\" id=\"tab2\" >\n                                <label for=\"tab2\" style=\"display: block;\">\n                                                                            <i class=\"fa fa-play\"><\/i>\n                                        <span class=\"tooltip-disp\">Video<\/span>\n                                                                    <\/label>\n                                                                <div id=\"tab-content1\" class=\"tab-content\">\n                                    <canvas id=\"loan-process-graph\" width=\"650\" height=\"320\"><\/canvas>\n                                                                            <div id=\"chart-note\" class=\"chart-note\"><p>**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.<\/p><\/div>\n                                <\/div>\n                                <div id=\"tab-content2\" class=\"tab-content\">\n                                                                            <iframe width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/VhvlcwYUyIg?si=XQyDoLGla6aoue1v\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n                                                                    <\/div>                               \n                                <div id=\"tab-content3\" class=\"tab-content\">\n                                    <table id=\"loan-process-tbl\">\n                                        <thead>\n                                            <tr>\n                                                <th>Period<\/th>\n                                                <th>Payment<\/th>\n                                                                                                <th>Interest<\/th>\n                                                <th>Balance<\/th>\n                                            <\/tr>\n                                        <\/thead>\n                                        <tbody id=\"loan_table_data\">\n                                        <\/tbody>\n                                    <\/table>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                <div class=\"loan-detail-section-child \" >\n                    <div class=\"summary-calculation-and-chart-wrappar\">\n                    <div class=\"loan-detail-cal-desc\">\n                        <div class=\"loan-cal-desc\">\n                            <div class=\"loan-cal-desc-heading main-heading\">\n                                <label id=\"regular_repayment_heading\"><strong>{frequency} Payment<\/strong><\/label>\n\n                        <\/div>\n                        <div class=\"loan-cal-desc-val\">\n                            <label><span><small>&euro;<\/small><span id=\"per_month_amount\"><\/span><\/span> <strong id=\"loan_amount_term_label\"><\/strong><span id=\"loan_amount_year\"><\/span><\/label>\n                        <\/div>\n                    <\/div>\n                                            <div class=\"loan-cal-desc\">\n                            <div class=\"loan-cal-desc-heading\">\n                                <label><strong>Total interest payable<\/strong><\/label>\n                            <\/div>\n                            <div class=\"loan-cal-desc-val\">\n                                <label><small>&euro;<\/small><span id=\"total_interests_amt\"><\/span> over <span id=\"total_interests_years\"><\/span> <\/label>\n                            <\/div>\n\n                        <\/div>\n                                        <span id=\"total_interests_amt_hidden\"><\/span>\n                    <div class=\"loan-cal-desc\" id=\"ballon_amt_section\">\n                        <div class=\"loan-cal-desc-heading\">\n                            <label><strong>Balloon amount (<span id=\"bill_ballon_per\">0.00<\/span>%)<\/strong><\/label>\n                        <\/div>\n                        <div class=\"loan-cal-desc-val\">\n                            <label><small>&euro;<\/small><strong><span id=\"bill_ballon_amt\">0.00<\/span><\/strong><\/label>\n                        <\/div>\n\n                    <\/div>\n\n                    \n                    \n            <\/div>\n            \n                    <\/div>\n                                <\/div>\n    <\/div>\n<\/section>\n<div class=\"contact-us-popup\" style=\"display:none;\">\n    <div class=\"contact-us-popup-body\">\n        <a href=\"javascript:void(0);\" class=\"close-button\" onclick=\"jQuery('.contact-us-popup').hide();jQuery('body').removeClass('body-overflow-hidden');\">X<\/a>\n            <\/div>\n<\/div>\n\n\n    <div class=\"calculator-disclaimer-section\">\n        <h4>Calculator Disclaimer<\/h4>\n        <p>The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, contact us. This calculation does not constitute a quote, loan approval, agreement or advice by My Finance. It does not take into account your personal or financial circumstances.<\/p>\n    <\/div>\n<\/section>\n<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\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","protected":false},"excerpt":{"rendered":"<p>Resources &amp; Simulations International Wealth Management: The Challenges of Private International Law In the context of international wealth management, it<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-905","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Resources &amp; Simulations - Non-residents: Taxation, Law &amp; Finance<\/title>\n<meta name=\"description\" content=\"Resources on private international law and international taxation, with a loan simulation tool including an amortization schedule to analyze the financial characteristics of a financing.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/harbor-meridian.com\/en\/resources-simulations\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Resources &amp; 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