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Second home

Appartement de 4.5 pièces à deux pas des bains !

Bon emplacement !

CHF 545,000.-
Back to object

Finance your dream!

Financing

Total acquisition
CHF 565,492.-
of which CHF 20,492.- of costs
Own capital and fees (20%)
CHF 109,000.-
of which CHF 20,492.- of costs
Hypothec (80%)
CHF 436,000.-
Mortgage 2nd rank (15%)
CHF 81,750.-
Mortgage 1st rank (65%)
CHF 354,250.-
Plan de travail 1
The share of equity is sufficient to allow the financing of this property.
Plan de travail 1
Please note that the share of equity is below the minimum required to finance this property. Please contact your bank to find a financing solution.
Plan de travail 2
The share of equity does not allow the financing of this property.

Financing

Stockholders' equity

+ CHF 20,492.- fees

Price

Price of object CHF 545,000.-

Total purchase price

CHF 545,000.-
Acquisition costs
2.80 % CHF 15,260.-
Transfer costs
0.00 % CHF 0.-
Expenses of creation of mortgage file
1.20 % CHF 5,232.-

Total acquisition

CHF 565,492.-

Financial capacity

Monthly income
CHF 2,478.-
Effective monthly costs (70%)
818
Theoretical monthly costs (70%)
818
Plan de travail 1
Very well, your financial capacity (ratio between expenses and income) is within the recommended limits.
Plan de travail 1
Be careful, your financial capacity (ratio between expenses and income) is close to the recommended limit. Please contact your bank to make sure that financing is possible.
Plan de travail 2
Your financial capacity (ratio between expenses and income) is below the recommended limit and therefore does not allow you to support the expenses related to the financing of this object.

Income

Annual incomes

Annual Costs

Rates
Mortgage interest 1st rank
2.50%
CHF 8,856.-
Mortgage interest 2nd rank
2.50%
CHF 2,044.-
Mortgage interest CHF 10,900.-
Amortization mortgage 1st rank
1.00%
CHF 3,543.-
Amortization mortgage 2nd rank
1.00%
CHF 818.-
Total mortgage amortization CHF 4,361.-
Running/maintenance costs 1 % CHF 5,450.-
Charges amount (CO) CHF 0.-
Renovation fund participation CHF 0.-
Life estate annuity CHF 0.-
Surface right annuity CHF 0.-
Total charges CHF 5,450.-

Total per year

CHF 20,711.-

Total per month

CHF 1,726.-
Remarks:
- Theoretically, the total amount of the housing-related costs shouldn't exceed 33% of your total income.
- Borrower is required to supply at least 10% of the lending value of the property from their own funds, which may not be obtained by pledging or early withdrawal of Pillar 2 assets.

From 1st September 2014 (New Guidelines of the SBA):
- Mortgages must in all cases be paid down to two thirds of the lending value within a maximum of 15 years. (until now 20 years)
- The lending value of real estate will be based on the market value or the purchase price, whichever is lower.
- Second incomes are now normally eligible only in the case of joint and several liability.

This financial plan doesn't have contractual value. It is at your disposal as an indication only and subject to confirmation from your Bank.