Simulate your mortgage loan in Switzerland
With this simulator, and in just a few clicks, you can determine your financial capacity or borrowing capacity, as well as the monthly financial charges and maintenance costs for the property you wish to buy.
To run a mortgage simulation for your property, enter your gross annual income, the amount of your personal contribution (equity), and the purchase price of your property, if applicable.
(1) The default calculation includes a non-depreciable portion equal to two-thirds of the purchase price and a depreciable portion calculated over 10 years.
2) Indicate the purchase price excluding costs (tax). Indicate the total amount of personal capital at your disposal: 2nd pillar, 3rd pillar, savings, donations, etc. The equity must correspond to at least 20% of the purchase price of the property for a principal residence (including at least 10% from sources other than the 2nd pillar) or rental property, and at least 33.3% for a secondary residence. Indicate the gross annual income: salary, pension or other sources of income.
(3) Financial capacity, interest rates, financial charges and the amount you could borrow are given for information only. They are not guaranteed, do not constitute an offer, are subject to conditions and may be changed at any time. The financial charges include interest on the loan and amortisation. Maintenance costs are estimated at around 1% of the price of the property.
(4) The interest rates and financial charges below relate to financing in Switzerland. Calculations and rates are provided for information only and do not constitute an offer.