Die Experten der BSC | Die Finanzberater

70.000 Euro weniger Bankdarlehen: Wie eine clevere Finanzierungsstrategie einem Bauherrenpaar langfristig viel Geld spart

2026-09-08T10:23:57+02:00Finanzieren|

Ein Praxisfall aus meiner Beratung als Finanzierungsberater Wenn es um [...]

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/* Expert Panel */ #expert-panel { position: fixed; top: 0; right: 0; width: 33%; /* Default Desktop Width */ height: 100vh; background-color: #204060; color: white; box-shadow: -2px 0 6px rgba(0, 0, 0, 0.3); z-index: 0; padding: 20px; display: flex; flex-direction: column; visibility: visible; overflow-y: auto; box-sizing: border-box; font-family: Arial, sans-serif; } /* Header */ #expert-panel h2 { margin: 0 0 15px; font-size: 1.4rem; flex-shrink: 0; color: #ffffff !important; } /* Consultant List Container */ #consultant-list { flex: 1; overflow-y: auto; margin-bottom: 15px; padding-right: 5px; min-height: 200px; background: rgba(0, 0, 0, 0.1); border-radius: 8px; padding: 10px; } /* Consultant Card */ .consultant { background: #173a59; border-radius: 8px; padding: 15px; display: flex; align-items: center; margin-bottom: 10px; cursor: pointer; transition: background 0.2s; } .consultant:hover { background: #102840; } .consultant img { width: 100px; height: 100px; border-radius: 8px; margin-right: 15px; object-fit: cover; flex-shrink: 0; } .consultant-info { display: flex; flex-direction: column; flex: 1; } .consultant-name { font-weight: bold; font-size: 1.1rem; } .consultant-subtitle { font-size: 0.9rem; opacity: 0.8; margin-top: 4px; } .consultant-city { font-size: 0.85rem; color: white; margin-top: 2px; } .consultant-distance { font-size: 0.85rem; color: #4CAF50; margin-top: 4px; font-weight: bold; } /* Sticky Footer Menu */ #footer-menu { padding-top: 15px; flex-shrink: 0; background: #204060; position: sticky; bottom: 0; /* backdrop-filter: blur(5px); */ /* Removed backdrop-filter for better mobile performance and compatibility */ } #footer-menu h4 { margin: 0 0 10px; font-size: 1rem; font-family: Manrope, Arial, sans-serif; color: #ffffff !important; opacity: 0.9; } /* Unified Search */ #unified-search-section { margin-bottom: 15px; } #unified-search { position: relative; display: flex; } #unified-search input { flex: 1; padding: 8px 12px; border: none; border-radius: 4px 0 0 4px; font-size: 0.9rem; } #unified-search button { background: white; border: none; border-radius: 0 4px 4px 0; padding: 8px 12px; cursor: pointer; font-size: 0.9rem; } /* Search Results Dropdown */ #search-results-dropdown { position: absolute; bottom: 100%; left: 0; right: 0; background: white; color: #333; border-radius: 4px; margin-bottom: 2px; max-height: 200px; overflow-y: auto; display: none; box-shadow: 0 -4px 6px rgba(0, 0, 0, 0.15); z-index: 1000; border: 1px solid #ddd; } .search-result-item { padding: 10px 12px; cursor: pointer; border-bottom: 1px solid #eee; transition: background-color 0.2s; display: flex; align-items: center; gap: 8px; } .search-result-item:hover { background-color: #f8f9fa; } .search-result-item:last-child { border-bottom: none; } .search-result-type { font-size: 0.8rem; padding: 2px 6px; border-radius: 10px; font-weight: bold; white-space: nowrap; } .search-result-type.location { background: rgba(76, 175, 80, 0.2); color: #4CAF50; } .search-result-type.consultant { background: rgba(255, 255, 255, 0.2); color: white; } .search-result-content { flex: 1; min-width: 0; } .search-result-name { font-weight: bold; font-size: 0.9rem; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; } .search-result-details { font-size: 0.8rem; color: #666; margin-top: 2px; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; } /* Current Location Display */ #current-location { margin-bottom: 10px; padding: 6px 8px; background: rgba(76, 175, 80, 0.1); border-radius: 4px; border-left: 3px solid #4CAF50; display: flex; align-items: center; justify-content: space-between; margin-top: 8px; } #current-location small { color: #4CAF50; font-size: 0.8rem; } #clear-location { background: none; border: none; color: #ff6b6b; cursor: pointer; font-size: 0.8rem; } #clear-location:hover { color: #ff4444 !important; } /* Expertise Dropdown */ #expertise-filter-container { margin-bottom: 15px; } #main-expertise-select, #child-expertise-select { width: 100%; padding: 8px; border: none; border-radius: 4px; margin-bottom: 8px; background: white; color: #333; font-size: 0.9rem; -webkit-appearance: none; -moz-appearance: none; appearance: none; background-image: url('data:image/svg+xml;charset=UTF-8,'); background-repeat: no-repeat; background-position: right 10px center; background-size: 16px; } #child-expertise-select { display: none; } /* Loading and Error States */ .loading { text-align: center; padding: 20px; opacity: 0.7; } .error { text-align: center; padding: 20px; color: #ff6b6b; background-color: rgba(255, 107, 107, 0.1); border-radius: 4px; margin: 10px 0; } .no-results { text-align: center; padding: 20px; color: rgba(255, 255, 255, 0.5); } /* ------------------------------------------- */ /* Mobile Optimization: Full-Screen Overlay */ /* ------------------------------------------- */ @media screen and (max-width: 768px) { #expert-panel { /* Full screen override */ width: 100vw !important; right: 0 !important; left: 0 !important; /* Ensures it spans the entire screen from edge to edge */ padding: 15px 15px 30px 15px !important; /* Adjusted padding */ max-width: none !important; min-width: 100vw !important; } /* Optional: Improves layout of consultant cards on mobile */ .consultant { align-items: flex-start; /* Align image and text to the top */ } .consultant img { width: 80px; /* Smaller image */ height: 80px; } /* Optional: Adjust font sizes for better mobile fit */ #expert-panel h2 { font-size: 1.2rem; } .consultant-name { font-size: 1rem; } .consultant-subtitle, .consultant-city, .consultant-distance { font-size: 0.8rem; } } /* Additional breakpoints for better responsiveness */ @media screen and (max-width: 480px) { #expert-panel { padding: 10px 10px 0 10px !important; } .consultant { padding: 12px; } .consultant img { width: 70px; height: 70px; } } /* Force mobile layout class - JavaScript controlled */ #expert-panel.mobile-layout { width: 100vw !important; height: 95vh; right: 0 !important; left: 0 !important; padding: 15px 15px 0 15px !important; max-width: none !important; min-width: 100vw !important; } #expert-panel.mobile-layout .consultant { align-items: flex-start !important; padding: 12px !important; } #expert-panel.mobile-layout .consultant img { width: 80px !important; height: 80px !important; margin-right: 12px !important; } #expert-panel.mobile-layout h2 { font-size: 1.2rem !important; } #expert-panel.mobile-layout .consultant-name { font-size: 1rem !important; } #expert-panel.mobile-layout .consultant-subtitle, #expert-panel.mobile-layout .consultant-city, #expert-panel.mobile-layout .consultant-distance { font-size: 0.8rem !important; }

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(function () { let consultants = []; let expertiseData = []; let isLoading = false; let userLocation = null; let currentSearchQuery = ''; let searchTimeout; const listContainer = document.getElementById('consultant-list'); const unifiedSearchInput = document.getElementById('unified-search-input'); const searchButton = document.getElementById('search-button'); const searchResultsDropdown = document.getElementById('search-results-dropdown'); const currentLocationDiv = document.getElementById('current-location'); const locationDisplay = document.getElementById('location-display'); const clearLocationButton = document.getElementById('clear-location'); const mainExpertiseSelect = document.getElementById('main-expertise-select'); const childExpertiseSelect = document.getElementById('child-expertise-select'); // Utility Functions function decodeHTMLEntities(text) { const textarea = document.createElement('textarea'); textarea.innerHTML = text; return textarea.value; } function calculateDistance(lat1, lon1, lat2, lon2) { const R = 6371; // Earth's radius in km const dLat = (lat2 - lat1) * Math.PI / 180; const dLon = (lon2 - lon1) * Math.PI / 180; const a = Math.sin(dLat / 2) * Math.sin(dLat / 2) + Math.cos(lat1 * Math.PI / 180) * Math.cos(lat2 * Math.PI / 180) * Math.sin(dLon / 2) * Math.sin(dLon / 2); const c = 2 * Math.atan2(Math.sqrt(a), Math.sqrt(1 - a)); return R * c; } function shuffleArray(array) { const shuffled = [...array]; for (let i = shuffled.length - 1; i > 0; i--) { const j = Math.floor(Math.random() * (i + 1)); [shuffled[i], shuffled[j]] = [shuffled[j], shuffled[i]]; } return shuffled; } function getExpertiseNames(expertiseIds) { return expertiseIds .map(id => expertiseData.find(exp => exp.id === id)) .filter(exp => exp) .map(exp => decodeHTMLEntities(exp.name)); } // Search & Location Functions async function searchLocation(query) { try { const response = await fetch(`https://nominatim.openstreetmap.org/search?format=json&q=${encodeURIComponent(query)}&countrycodes=de&limit=10`); const data = await response.json(); const cityTypes = ['city', 'town', 'village', 'municipality', 'administrative']; return data.filter(location => { return cityTypes.includes(location.type) || cityTypes.includes(location.class) || (location.addresstype && ['city', 'town', 'village', 'municipality'].includes(location.addresstype)); }).slice(0, 5); } catch (error) { console.error('Error searching location:', error); return []; } } async function performUnifiedSearch(query) { if (!query || query.length { return c.name.toLowerCase().includes(query.toLowerCase()) || c.city.toLowerCase().includes(query.toLowerCase()) || c.address.toLowerCase().includes(query.toLowerCase()); }).slice(0, 3); consultantMatches.forEach(c => { results.push({ type: 'consultant', data: c, name: c.name, details: `${c.city}${c.address ? ', ' + c.address : ''}` }); }); if (query.length >= 3) { try { const locations = await searchLocation(query); locations.slice(0, 3).forEach(location => { const parts = location.display_name.split(','); const cityName = parts[0] + (parts[1] ? ', ' + parts[1].trim() : ''); results.push({ type: 'location', data: location, name: cityName, details: location.display_name }); }); } catch (error) { console.error('Error searching locations:', error); } } renderSearchResults(results); } function renderSearchResults(results) { searchResultsDropdown.innerHTML = ''; if (results.length === 0) { searchResultsDropdown.style.display = 'none'; return; } results.forEach(result => { const item = document.createElement('div'); item.className = 'search-result-item'; if (result.type === 'consultant') { // Create image element for consultant const imgElement = document.createElement('img'); imgElement.src = result.data.image; imgElement.alt = result.data.name; imgElement.style.width = '40px'; imgElement.style.height = '40px'; imgElement.style.borderRadius = '4px'; imgElement.style.objectFit = 'cover'; imgElement.style.flexShrink = '0'; imgElement.onerror = function () { this.src = `https://via.placeholder.com/40x40/1d4b73/ffffff?text=${encodeURIComponent(result.data.name.charAt(0))}`; }; item.appendChild(imgElement); } else { // Keep location icon for locations const typeTag = document.createElement('div'); typeTag.className = `search-result-type ${result.type}`; typeTag.textContent = '📍'; item.appendChild(typeTag); } const content = document.createElement('div'); content.className = 'search-result-content'; const name = document.createElement('div'); name.className = 'search-result-name'; name.textContent = result.name; const details = document.createElement('div'); details.className = 'search-result-details'; details.textContent = result.details; content.appendChild(name); content.appendChild(details); item.appendChild(content); item.onclick = () => selectSearchResult(result); searchResultsDropdown.appendChild(item); }); searchResultsDropdown.style.display = 'block'; } function selectSearchResult(result) { if (result.type === 'consultant') { currentSearchQuery = result.name; unifiedSearchInput.value = result.name; searchResultsDropdown.style.display = 'none'; renderList(result.name); } else if (result.type === 'location') { selectLocation(result.data); unifiedSearchInput.value = ''; searchResultsDropdown.style.display = 'none'; } } function selectLocation(location) { userLocation = { lat: parseFloat(location.lat), lng: parseFloat(location.lon), display_name: location.display_name }; const parts = location.display_name.split(','); const cityName = parts[0] + (parts[1] ? ', ' + parts[1].trim() : ''); locationDisplay.textContent = cityName; currentLocationDiv.style.display = 'flex'; currentSearchQuery = ''; updateDistances(); } function clearLocation() { userLocation = null; currentLocationDiv.style.display = 'none'; consultants.forEach(c => c.distance = null); renderList(currentSearchQuery); } // Data & Rendering Functions async function fetchConsultants() { if (isLoading) return; isLoading = true; showLoading(); try { const response = await fetch('https://bsc-gmbh.com/wp-json/wp/v2/berater?per_page=100'); if (!response.ok) throw new Error(`HTTP error! status: ${response.status}`); const data = await response.json(); consultants = data.map(c => ({ name: c.title.rendered, image: c.yoast_head_json?.og_image?.[0]?.url || `https://via.placeholder.com/150x150/1d4b73/ffffff?text=${encodeURIComponent(c.title.rendered.charAt(0))}`, link: c.link, id: c.id, address: c.acf?.['berater-anschrift'] || '', city: c.acf?.['berater-ort'] || '', subtitle: c.acf?.['experte_fuer'] || 'BSC | Die Finanzberater', latitude: c.acf?.openstreetmap?.lat || null, longitude: c.acf?.openstreetmap?.lng || null, expertise: (c.expertise || []).map(id => parseInt(id)).filter(id => !isNaN(id)), distance: null })); // Randomize the order of consultants on initial load consultants = shuffleArray(consultants); renderList(); } catch (error) { console.error('Fehler beim Laden der Berater:', error); showError('Fehler beim Laden der Berater. Bitte versuchen Sie es später erneut.'); } finally { isLoading = false; } } async function fetchExpertise() { try { const response = await fetch('https://bsc-gmbh.com/wp-json/wp/v2/expertise?per_page=100'); if (!response.ok) throw new Error(`HTTP error! status: ${response.status}`); const rawData = await response.json(); expertiseData = rawData.map(exp => ({ ...exp, id: parseInt(exp.id), parent: parseInt(exp.parent) || 0, name: decodeHTMLEntities(exp.name) })); renderExpertiseDropdowns(); } catch (error) { console.error('Fehler beim Laden der Expertise:', error); } } function updateDistances() { if (!userLocation) return; consultants.forEach(c => { if (c.latitude && c.longitude) { c.distance = calculateDistance(userLocation.lat, userLocation.lng, c.latitude, c.longitude); } else { c.distance = null; } }); // Sort in ascending order (closest first) consultants.sort((a, b) => { if (a.distance === null && b.distance === null) return 0; if (a.distance === null) return 1; if (b.distance === null) return -1; return a.distance - b.distance; }); renderList(currentSearchQuery); } function renderExpertiseDropdowns() { const mainExpertises = expertiseData.filter(exp => exp.parent === 0).sort((a, b) => a.name.localeCompare(b.name)); mainExpertiseSelect.innerHTML = 'Alle Expertisen'; mainExpertises.forEach(exp => { const option = document.createElement('option'); option.value = exp.id; option.textContent = exp.name; mainExpertiseSelect.appendChild(option); }); updateChildExpertiseDropdown(); } function updateChildExpertiseDropdown() { const selectedMainId = mainExpertiseSelect.value; childExpertiseSelect.innerHTML = 'Alle spezifischen Expertisen'; if (!selectedMainId) { childExpertiseSelect.style.display = 'none'; return; } const childExpertises = expertiseData.filter(exp => exp.parent === parseInt(selectedMainId)).sort((a, b) => a.name.localeCompare(b.name)); if (childExpertises.length > 0) { childExpertiseSelect.style.display = 'block'; childExpertises.forEach(exp => { const option = document.createElement('option'); option.value = exp.id; option.textContent = exp.name; childExpertiseSelect.appendChild(option); }); } else { childExpertiseSelect.style.display = 'none'; } } function renderList(nameFilter = "") { if (isLoading) return; listContainer.innerHTML = ""; const selectedMainId = mainExpertiseSelect.value; const selectedChildId = childExpertiseSelect.value; let filteredConsultants = consultants.filter(c => { const matchesName = !nameFilter || c.name.toLowerCase().includes(nameFilter.toLowerCase()) || c.city.toLowerCase().includes(nameFilter.toLowerCase()) || c.address.toLowerCase().includes(nameFilter.toLowerCase()); let matchesExpertise = (selectedMainId === "" && selectedChildId === "") || (selectedChildId !== "" && c.expertise.includes(parseInt(selectedChildId))); if (selectedMainId !== "" && selectedChildId === "") { // Check if consultant has main expertise or any of its children const relatedExpertiseIds = expertiseData .filter(exp => exp.id === parseInt(selectedMainId) || exp.parent === parseInt(selectedMainId)) .map(exp => exp.id); matchesExpertise = c.expertise.some(id => relatedExpertiseIds.includes(id)); } return matchesName && matchesExpertise; }); if (filteredConsultants.length === 0) { listContainer.innerHTML = '
Keine Berater gefunden, die diesen Kriterien entsprechen.
'; return; } filteredConsultants.forEach(c => { const item = document.createElement('div'); item.className = 'consultant'; item.onclick = () => window.open(c.link, '_blank'); const imgElement = document.createElement('img'); imgElement.src = c.image; imgElement.alt = c.name; imgElement.onerror = function () { this.src = `https://via.placeholder.com/100x100/1d4b73/ffffff?text=${encodeURIComponent(c.name.charAt(0))}`; }; const infoDiv = document.createElement('div'); infoDiv.className = 'consultant-info'; const nameDiv = document.createElement('div'); nameDiv.className = 'consultant-name'; nameDiv.textContent = c.name; const subtitleDiv = document.createElement('div'); subtitleDiv.className = 'consultant-subtitle'; subtitleDiv.textContent = c.subtitle; const cityDiv = document.createElement('div'); cityDiv.className = 'consultant-city'; cityDiv.textContent = c.city; infoDiv.appendChild(nameDiv); infoDiv.appendChild(subtitleDiv); infoDiv.appendChild(cityDiv); if (c.distance !== null) { const distanceDiv = document.createElement('div'); distanceDiv.className = 'consultant-distance'; distanceDiv.textContent = `${Math.round(c.distance)} km entfernt`; infoDiv.appendChild(distanceDiv); } item.appendChild(imgElement); item.appendChild(infoDiv); listContainer.appendChild(item); }); } function showLoading() { listContainer.innerHTML = '
Lade Berater...
'; } function showError(message) { listContainer.innerHTML = `
${message}
`; } // Event Listeners unifiedSearchInput.addEventListener('input', (e) => { currentSearchQuery = e.target.value; clearTimeout(searchTimeout); searchTimeout = setTimeout(() => { performUnifiedSearch(currentSearchQuery); }, 300); renderList(currentSearchQuery); }); searchButton.addEventListener('click', () => { searchResultsDropdown.style.display = 'none'; renderList(currentSearchQuery); }); clearLocationButton.addEventListener('click', clearLocation); document.addEventListener('click', (e) => { if (!e.target.closest('#unified-search')) { searchResultsDropdown.style.display = 'none'; } }); mainExpertiseSelect.addEventListener('change', () => { childExpertiseSelect.value = ''; updateChildExpertiseDropdown(); renderList(currentSearchQuery); }); childExpertiseSelect.addEventListener('change', () => { renderList(currentSearchQuery); }); // Mobile Layout Detection and Management function checkAndApplyMobileLayout() { const expertPanel = document.getElementById('expert-panel'); const isMobile = window.innerWidth { clearTimeout(resizeTimeout); resizeTimeout = setTimeout(() => { checkAndApplyMobileLayout(); }, 100); }); // Initial mobile check function initializeMobileLayout() { // Ensure DOM is ready setTimeout(() => { checkAndApplyMobileLayout(); }, 50); } // Continuous mobile layout monitoring (as backup) function startMobileLayoutMonitoring() { setInterval(() => { checkAndApplyMobileLayout(); }, 1000); // Check every second } // Initialization async function initializeData() { await Promise.all([ fetchConsultants(), fetchExpertise() ]); renderList(); initializeMobileLayout(); startMobileLayoutMonitoring(); } if (document.readyState === 'loading') { document.addEventListener('DOMContentLoaded', initializeData); } else { setTimeout(initializeData, 100); } })();