Single house for sale - 3949 Hohtenn

Information on the purchase price, then you will also know immediately why the house is listed for
CHF 200,000:

Take over the mortgage still running for 3 years and buy the house for CHF 200,000, otherwise CHF 369,000!
We are lenient and will deduct the difference to the current interest rate from the purchase price if you bring a better offer from your bank.

Affordability and equity
1st residence:
Purchase price: CHF 200,000 (when taking over the mortgage),
of which a maximum of CHF 126,200 can come from a 2nd mortgage.
(Please note your personal affordability.)
Min. CHF 73,800 equity (20%), if you need a 2nd mortgage to finance the purchase price.
10% (CHF 36,900) possible from the 2nd pillar.
10% (CHF 36,900) savings, etc.

As a holiday home:
30% equity of CHF 369,000! = CHF 110,700
(note the difference to the 1st residence!)

The affordability for taking over OUR mortgage:

The costs calculated by the banks must not exceed 33% of your income:

1. fictitious 5% of CHF 169,000 = CHF 8,450/year
2. 1% for maintenance of CHF 369,000 = CHF 3,690/year
3. Amortization of the second mortgage within 15 years
   (we didn't have any) = CHF 12,140
   Income min. CHF 36,788/year. 3,065.65/month.
   If you don't understand something, just ask..

We are selling the described property.
Hohtenn is a village in Upper Valais and is part of the political municipality of Steg-Hohtenn in the district west of Raron in the German-speaking part of the canton of Valais. The cozy single-family house is about a 2-minute walk from the village center. Here you can relax from everyday stress in close proximity to nature. The house with a bright living room and open kitchen,
two bedrooms is practically furnished.
The large gallery on the 1st floor can be converted into another bedroom and shower with toilet or bathroom. Open-air cellar and storage rooms under the house possible.
You heat in the transitional period with a practical Swedish stove or the efficient electric heating.
Plot size: 342 m²

This offer is characterized by the following advantages:

• quiet location.
• easy to reach via Goppenstein or Steg
• wonderful view of the Rhone Valley
• possible expansion for further rooms
• Swedish stove
• pampered by the Valais sun.
• no through traffic
• pure nature in the immediate vicinity
• space for garden and barbecue available
• cozy terrace
• and, and, and ...
  Year of construction 2004!