Mortgage calculator

Check the financing of your home with our mortgage calculator. Calculate your affordability and loan-to-value ratio and receive an initial proposal for your financing right away.

  • To ensure that we can calculate your starting situation, we need the following information: 

    Purchase price

    Enter the purchase price for your chosen property in CHF. If you do not know the purchase price, enter the estimated property value. 

    Equity

    Enter the total household equity available to you. This includes information such as account and savings balances, securities, advances against inheritance and retirement assets. 

    Loan amount

    The loan amount is calculated automatically based on the purchase price/property value and equity. It includes the amount you can take out as a mortgage and corresponds to a maximum of 80% of the purchase price/property value. 

    Gross income/year

    Enter the total gross income per year for all people involved in the purchase. 

    Year of birth

    Enter the birth year for the oldest person involved in the purchase, so that we can calculate your amortization conditions. If you have already reached retirement age, please contact our specialists to find the best solution for you.

  • If you have calculated your mortgage, you can modify the term and mortgage model for the financing in the grey box labelled “Financing proposal”. 

    Fixed-rate mortgage

    Choose the term you would like. The calculation is then made based on the current interest rate. You can find the result in the table, under the column labelled “Fix”.

    Saron mortgage

    The term of the Saron mortgage cannot be chosen freely; it is always three years. You can find the result in the table, under the column labelled “Saron”. 

    Combinations

    Select your preferred combination of mortgage models. You can find the result in the table, under the column labelled “Combinations”.

    Example

    • CHF 1,000,000 mortgage amount
    • CHF 350,000, 35% fixed-rate, you can choose the term in the financing proposal
    • CHF 650,000, 65% Saron, term exclusively three years

    When selecting the combination of 50% fixed-rate / 50% fixed-rate, you can choose separate terms for the first and second fixed-rate mortgage tranches.

    Please note: the specified interest rates are provided for information purposes only and are non-binding. For a binding quotation, please contact our specialists.

    • The loan-to-value ratio refers to the ratio of the mortgage to the overall value of the property. Lenders use the loan-to-value ratio as the basis for calculating the mortgage.

      Example 

      • Collateral value: CHF 800,000
      • Loan-to-value ratio: 80%
      • External funding (80% of CHF 800,000): CHF 640,000
      • Equity (20% of CHF 800,000): CHF 160,000

    • If you want to purchase a house or apartment, you have to be able to provide at least 20% of the purchase price from your own equity. You can take out a mortgage for the remaining maximum 80%.

      In order to assess whether the affordability requirements have been met, financial institutions carry out the following calculation: the annual costs for the property (imputed interest rate of 5% of the mortgage + amortization + running costs of 1% of the fair value) should not account for more than 33% of your gross income. 

      • Savings (bank accounts, securities custody accounts, pillar 3b, etc.)
      • Retirement assets for owner-occupied property from a pension fund (pillar 2) and a fixed pension plan (pillar 3a)
      • Gifts, advances against inheritance, loans

      Please note that there is no fixed maximum amount for the equity share.

    • Get some in-person advice from our mortgage specialists. We will discuss your personal situation and present you with some financial options.

      Arrange a consultation