Mortgagecalculator.
Check in seconds whether your project meetsthe financing rules applied in Switzerland.
Total gross income, bonus retained at 50%
Indicative rate, adjust to your bank's offer
Rules applied: at least 20% own funds, second-rank mortgage (above 2/3 of the value) amortised within 15 years or before age 65, costs calculated with a 5% theoretical rate and 1% maintenance, capped at one third of gross income. Indicative simulation only, not an offer.
Your financing
Your ratios
Your estimated real cost
Your project meets the usual criteria of Swiss banks.
Compare two financing scenarios
Both scenarios use the loan amount above, and scenario A uses the market rate above. Indicative comparison of fully amortising loans with equal monthly payments and a fixed rate for the entire term, excluding fees, insurance and maintenance. This differs from the Swiss mortgage model with partial amortisation above. A positive difference means B costs more per month.
Monthly difference (B − A): CHF-320.28