For buyers
What can I afford?
Check whether a purchase is affordable under the usual rules of Swiss banks. The calculation is for guidance only and does not replace financing advice.
Mortgage–
Imputed housing costs per year / per month– / –
Share of income (guideline: no more than 33%)
–
How it is calculated
- Own funds: at least 20% of the purchase price.
- Imputed interest rate of 5% on the entire mortgage, regardless of current interest rates.
- Ancillary and maintenance costs of 1% of the purchase price per year.
- Amortisation within 15 years of the part of the mortgage above two thirds of the purchase price.
- The total should not exceed one third of gross income.
Banks differ in the details. For a binding answer, you need financing advice.
Do you already own a property?
Part of your own funds is often tied up in your current home. I am happy to discuss how much would remain after a sale and how to time the sale and purchase.
Still looking for the right property?
With property alerts, you hear about suitable properties, often before they are advertised publicly.