The one-third rule: how much can I pay for a property?
The Swiss mortgage system has very specific rules you need to know.
The two fundamental criteria
Minimum 20% own funds: Banks require at least 20% of the purchase price as equity (10% must be liquid).
The one-third rule: Total mortgage costs must not exceed one third of your gross annual income.
Types of mortgages
Fixed-rate mortgage: Fixed rate for 1-15 years. Security and predictability.
Variable mortgage (SARON): Varies with the Swiss money market. More flexible but with uncertainty.
How much can you afford?
Use our mortgage calculator, then book a personalised consultation.
This content is educational and does not constitute personalised financial advice under FINMA regulations. For a tailored recommendation, book a consultation.
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