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

Our mortgage experts are here for you

We will be happy to advise you to determine which mortgage model is right for you.