How we calculate your borrowing capacity

Thanks to our online calculator, you can find out how much you can borrow and determine the budget for your future real estate investment.

Based on recommendations by FINMA (Swiss Financial Market Supervisory Authority), a real estate transaction can be financed by a mortgage loan of up to 80% of the property’s estimated value.

Therefore, a buyer has to cover at least 20% of the purchase price using net funds. These are made up as follows:

  • Your personal savings, 3rd pillar (A) savings if available and/or a donation have to cover at least 10% of the property value
  • The difference can be covered by your occupational pension insurance savings (LPP)

Your eligibility for a loan also depends on one additional condition: the annual mortgage cost cannot exceed 33% of your annual income. The annual mortgage cost is determined using a theoretical interest rate of 5%, as recommended by FINMA. Your actual interest rate my differ.

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