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This calculator provides you with an indicative estimate of your financing. It does not replace a comprehensive analysis of your personal situation.

Several factors are not automatically taken into account, including: the use of the 2nd or 3rd pillar, your overall financial situation, taxation, the possibility of carrying out your own work in certain cases (for example, if you have a CFC in construction or have solid experience in the field), and current banking conditions.

Because every situation is different, we offer personalised support to assess your project in a realistic and responsible manner, tailored to your profile. Our goal: to advise you with professionalism, trust and transparency.

Finance your dream!

Price of the object
Stockholders' equity
+ CHF 29,374.- fees
Annual incomes

Financing

Purchase price
CHF 0.-
Own capital (20%)
CHF 0.-
Hypothec (80%)
CHF 526,800.-
Mortgage 2nd rank (15%)
CHF 98,790.-
Mortgage 1st rank (65%)
CHF 428,090.-
Plan de travail 1
The share of equity is sufficient to allow the financing of this property.
Plan de travail 1
Please note that the share of equity is below the minimum required to finance this property. Please contact your bank to find a financing solution.
Plan de travail 2
The share of equity does not allow the financing of this property.

Price

Price of object CHF 0.-

Total purchase price

CHF 0.-
Acquisition costs
% CHF 0.-
Transfer costs
% CHF 0.-
Expenses of creation of mortgage file
% CHF 6,323.-

Total acquisition

CHF 687,974.-

Financial capacity

Monthly income
CHF 9,564.-
Effective monthly costs (34%)
3155.7916666667
Theoretical costs (34%)
3155.7916666667
Plan de travail 1
Very well, your financial capacity (ratio between expenses and income) is within the recommended limits.
Plan de travail 1
Be careful, your financial capacity (ratio between expenses and income) is close to the recommended limit. Please contact your bank to make sure that financing is possible.
Plan de travail 2
Your financial capacity (ratio between expenses and income) is below the recommended limit and therefore does not allow you to support the expenses related to the financing of this object.

Annual Costs

Rates
Mortgage interest 1st rank
2.5%
CHF 21,405.-
Mortgage interest 2nd rank
3.75%
CHF 4,940.-
Mortgage interest CHF 26,345.-
Amortization mortgage 1st rank
1%
CHF 0.-
Amortization mortgage 2nd rank
1%
CHF 0.-
Total mortgage amortization CHF 0.-
Running/maintenance costs
1%
CHF 1.-
Charges amount (CO) CHF 0.-
Renovation fund participation CHF 0.-
Life estate annuity CHF 0.-
Surface right annuity CHF 0.-
Total charges CHF 0.-

Total per year

CHF 39,517.-

Total per month

CHF 3,293.-