Mortgage

Check whether you can finance a home in Switzerland under bank rules (20% down payment and the 33% rule).

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Details

Minimum down payment (20%)—

Mortgage amount—

Financing (max. 80%)—

Your financing in 2 mortgages

1st mortgage (up to 65%)—

2nd mortgage (65%–80%)—

The 2nd mortgage is amortised over 15 years. The 1st does not have to be amortised.

Theoretical cost/year (bank, 5%)—

Amortisation/year—

Estimated real cost

% interest

—/ month

Real interest + maintenance + amortisation at today’s rate.

I structure your financing for you

How you split the 1st and 2nd mortgage, the amortisation pace and the method (direct or indirect via pillar 3a) change how much you pay monthly and save in taxes over years. I help you optimise it.

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Indicative calculation based on usual Swiss banking rules. Not an offer or approval. Each bank applies its own criteria.