Swiss Real-Estate Tools

Calculators for Swiss Real Estate

Instant results, no sign-up. Affordability, yield and cantonal capital-gains tax — precisely calculated, without sales pressure.

Mortgage & Affordability

Calculate Swiss-bank-rule affordability (5 % imputed interest + 1 % maintenance) and your actual monthly rate.

·Affordability rule 33 % of gross income
·Loan-to-value max. 80 % of market value
·Comparison SARON vs. fixed mortgage

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Investors

Yield & Cap Rate

Gross and net yield, cap rate, cash-on-cash and 5-year IRR for income properties.

·Cap Rate (Net Operating Income / purchase price)
·Cash-on-Cash including mortgage costs
·IRR approximation with appreciation

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Sellers

Capital Gains Tax

Indicative CGT calculation for all 26 cantons — with holding-period discount and speculation surcharge.

·All 26 cantons modelled
·Value-enhancing investments deductible
·Speculation surcharge for <2 years

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All calculations are indicative and do not replace individual advice. Selcura combines these tools with Off-Market buyer matching and a Swiss fiduciary network for the final transaction.