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Mortgages
Affordability calculation
Can I afford a mortgage?
The annual payment consisting of the mortgage interest rate, amortisation and ancillary costs may not exceed 33% of your net income. Our experts will be happy to assist you with your own personal affordability calculation.
Example: Affordability calculation
| Market value of the property | CHF 1,000,000 |
|---|---|
| 1st mortgage max. 66% from the market value | CHF 660,000 |
| 2nd mortgage max. 14% from the market value | CHF 140,000 |
| Equity capital | CHF 200,000 |
| Imputed interests and costs | |
|---|---|
| 5% interest per annum for first mortgage | CHF 33,000 |
| 5% interest per annum for second mortgage | CHF 7,000 |
| Annual premium for amortisations policy(ies) over 15 years | CHF 9,300 |
| Ancillary costs (usually 1% of the market value) | CHF 10,000 |
| Annual payment | CHF 59,300 |
| Payment per month | CHF 4,942 |
| Monthly net income required | CHF 14,974 |
Source: Own calculations
