Estimate in seconds the purchase price your situation allows, the corresponding theoretical costs and the equity Swiss lenders require.
Salaries, regular bonuses and rental income of both applicants.
Savings, securities, gifts, third pillar and pension fund assets.
Share withdrawn or pledged from the second pillar. It cannot exceed half of the required equity.
CHF —
Enter your income and equity to obtain an estimate. Amount capped by your equity: it is your down payment, not your income, that limits the project. Amount capped by your income: additional equity would not raise this ceiling.
This calculation applies the usual criteria of Swiss banks and insurers. It is neither an offer nor a promise of financing: only the lender decides, after a full review of your file.
In Switzerland, approval does not depend on the current rate but on two cumulative conditions applied by almost every lender.
Twenty per cent of the purchase price must come from your own resources. At least half of that, meaning 10% of the price, must come from outside your pension fund.
Calculated costs must not exceed one third of gross income. They combine theoretical interest, amortisation and maintenance costs.
The rate used is deliberately higher than the actual market rate, to check that the financing would remain affordable if rates rose sharply.
The debt must be reduced to two thirds of the property value within the usual fifteen years. The calculation therefore spreads this reduction over that period and includes it in the annual costs, even though repayment can then be arranged directly or indirectly.
An annual flat rate of one per cent of the property value covers upkeep, renovation and condominium charges. This amount is theoretical: it appears in the feasibility calculation even if your actual spending varies from year to year.
A favourable result does not guarantee approval, and a tight result does not mean the project is impossible. Several factors are assessed case by case.
HAVE MY SITUATION CHECKEDA variable bonus, self-employed income or a recent contract are not treated the same way by every lender. Some count only a three-year average, others disregard the variable part entirely.
Leasing, consumer credit, maintenance payments or the financing of a property you already own reduce available capacity and must be declared from the outset.
Financing is based on the value set by the lender, not on the seller’s asking price. Any gap between the two can only be bridged with additional equity.
Withdrawing pension assets reduces your retirement benefits and often your death and disability cover. Pledging is sometimes a more favourable alternative.
The answers below cover the points our clients raise most often before submitting an application.
The theoretical rate tests the resilience of the financing over time rather than reflecting today’s cost. A mortgage is renewed several times over thirty years: the lender checks that you would stay afloat if rates returned to a high level. Your actual monthly payments will therefore be well below the theoretical costs shown.
No. Twenty per cent of the price is still required, but half of it may come from your pension fund. The remaining 10% must consist of savings, securities, a gift or a pillar 3a. That is precisely the limit this calculator applies when you enter the share coming from the second pillar.
On gross annual household income, before tax and social security contributions. For a couple, both incomes are added together, provided both people are co-borrowers and jointly liable for the loan.
The application is not automatically refused, but it falls outside the standard framework and requires justification: higher equity, substantial assets, documented income growth or additional guarantees. Lenders treat these situations differently, which makes comparison all the more useful.
No. A rental building is assessed on yield, vacancy rate and the condition of the property, with often higher equity requirements. This calculator covers owner-occupied housing only.
We compare the terms of several banks and insurers based on your actual file, not on a standard estimate.