Your budget. Your home. Clearly calculated.
Calculate your affordability, the required equity and your monthly mortgage costs in just a few steps – soundly and transparently.
What you can afford
Enter the purchase price, equity and gross annual income. We check affordability according to the Swiss banking standard (33% rule, notional interest rate of 5%).
Assumptions: notional rate 5%, ancillary costs 1% p.a., amortisation 1% p.a., affordability limit 33%. Indicative — the binding calculation takes place in the consultation.
Your number in four steps
From purchase price to affordability — what lies behind each field.
Mortgage terms explained
The key terms explained in two sentences — so you know what the bank means.
Affordability
Affordability is the share of your housing costs in your gross income. Swiss banks calculate with a notional rate of 5% (instead of the current ~1.5%) + 1% ancillary costs + 1% amortisation. This value may not exceed 33% of your gross annual income.
Loan-to-value ratio
The loan-to-value ratio is the ratio of mortgage to purchase price. The usual maximum is 80% — the rest (at least 20%) is contributed as equity. Beyond that, a second mortgage is required, which must be amortised within 15 years or by retirement.
Equity — hard vs. soft
At least 10% of the purchase price must come from "hard" equity: savings account, securities, gift, advance inheritance. A further 10% may come from the pension fund (advance withdrawal or pledging) — these count as "soft" funds.
Amortisation (1st and 2nd mortgage)
The 1st mortgage (up to 65% loan-to-value) does not necessarily have to be amortised. The 2nd mortgage (65–80%) must be repaid within 15 years at most or by retirement — directly (repayment) or indirectly (via pillar 3a).
Notional interest rate
Banks calculate your affordability not with the current rate, but with a notional interest rate of 5%. This tests whether you would remain solvent even if rates rose sharply. Conservative — but the Swiss standard.
Ancillary costs
Banks apply a flat 1% of the property value per year for maintenance, insurance and repairs. In reality, depending on age and condition, the value lies between 0.7% and 1.5% — the bank calculates conservatively to be safe.
The calculator shows what is possible. We show what makes sense.
An indicative calculation does not replace a meeting with the bank. We discuss your situation, examine alternatives and connect you with suitable financing partners.