Onebiz Solutions Sàrl

Mortgage calculator

A first, transparent estimate of your real estate financing.

Swiss bank simulation

Calculate your mortgage capacity and your actual costs

Adjust the assumptions to your situation. Criteria vary depending on the lender, the property and the applicant’s profile.

Property price (CHF)

Equity (CHF)

Gross annual household income (CHF)

Bank theoretical rate (%)

Maintenance and bank charges (% of price)

Charges / income ceiling (%)

Actual mortgage rate (%)

Actual monthly costs (CHF)

Second-mortgage amortisation over (years)

1st mortgage: % of value

Indicative amortisation: debt above the first mortgage, spread over the chosen period (15 years by default). The calculation does not take into account acquisition costs, taxation, other loans or the specific features of the file.

Simulation result

Mortgage amount—

Equity—

Annual amortisation—

Annual bank charges—

Theoretical affordability ratio—

Indicative gross annual income required—

Actual monthly cost, amortisation included—

20 % equity—

—

Informational simulation, not a credit offer. A bank may apply additional or different criteria. The actual costs entered must include maintenance, insurance, energy and, where applicable, condominium charges.

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