Mortgage Calculator

With this mortgage calculator for Switzerland, you can quickly find out if your dream home fits within your budget.

Property Purchase Price

The price you pay for the property, including planned renovations. Excludes notary fees and possible taxes.

CHF

Own Funds

All funds you can use for the purchase, including 3a savings and pension fund assets you wish to withdraw or pledge. At least 20% of the purchase price.

CHF

Annual Gross Income

Your gross income, including child allowances and average bonuses. Additional income and your partner's income are also considered if you are purchasing together.

CHF

Mortgage Interest Rate

The interest rate you pay to finance your home. This rate is set by the bank and can vary between providers. Banks typically use 4.5–5% for affordability calculations.

Annual Incidental Costs

The annual costs for maintenance, heating, and other operating expenses. These are generally calculated at 1% of the property value. If you know the exact amount, you can enter it directly.

Percentage

Exact Value

CHF

Affordability

The affordability calculation ensures that a property remains affordable for your household even if interest rates rise. Banks and insurance companies are required to perform this calculation to make the granting of a mortgage plausible.

Affordability is given.

Affordability is only partially given. A detailed review and good negotiation are required.

Affordability is not given.

Mortgage

When financing a property, a distinction is generally made between the 1st mortgage and the 2nd mortgage:

1st Mortgage: This typically covers 65–67% of the property's value and remains in place long term. It does not need to be amortized.
2nd Mortgage: This is required to cover the remaining financing needs (up to 80% of the property's value). It usually must be amortized within 15 years or by retirement age.

1st Mortgage
2nd Mortgage
Total Mortgage

Annual Costs

In addition to the affordability calculation, annual costs are also crucial for your financial planning. These are composed as follows:

Interest Costs: These are calculated based on a notional interest rate (e.g., 5%) to ensure long-term affordability.
Additional Costs: For maintenance, heating, and other operating expenses, approximately 1% of the property's value is assumed as a flat rate.
Amortization of the 2nd Mortgage: This is calculated based on the secured amount and must be paid annually.

In addition, total annual costs and monthly costs are displayed so that you have a clear overview of your financial burden.

	Annual Costs	Monthly Costs
Interest Costs
Additional Costs
Amortization of 2nd Mortgage
Total Costs

This calculator provides non-binding estimates and does not replace professional advice from a bank or financial advisor.