Swiss Mortgage Calculator
Affordability per Swiss banking rule, loan-to-value cap and actual monthly payment. We use the imputed interest rate of 5 % plus a 1 % maintenance allowance on the market value.
Hypothekenrechner CH
Tragbarkeit nach Schweizer Banken-Standard (5% Kalkulation, 1% Unterhalt, 33% Limit)
Min. 20 % erforderlich (CH Banking)
Tragbarkeit: Nicht erfüllt
Monatliche Belastung (effektiv)
- Zins (1.20 %)
- CHF 1'600
- Amortisation (2. Hypo)
- CHF 1'667
- Unterhalt (1 %)
- CHF 1'667
- Total / Monat
- CHF 4'933
Zusammenfassung
- Hypothek
- CHF 1'600'000
- Tragbarkeitskosten/Jahr
- CHF 120'000
- Effektiver Zins/Jahr
- CHF 19'200
Disclaimer: Indikative Berechnung nach Schweizer Banken-Standard (5 % kalkulatorischer Zins, 1 % Unterhalt, 15-Jahre-Amortisation auf 65 % LTV, 33 % Tragbarkeitsgrenze). Tatsächliche Bonität hängt von Bank, Bonitätsprüfung und individueller Situation ab. Keine Finanzberatung.
How does the Swiss affordability rule work?
Swiss banks check three values before granting any mortgage: equity (at least 20 % of the purchase price, of which 10 % must not come from the 2nd pillar), loan-to-value (max. 80 % of market value) and affordability per the one-third rule.
Affordability is calculated not at the current rate but at an imputed interest rate of 5 %, to absorb long-term rate changes. Plus 1 % of the market value for maintenance and ancillary costs. These hypothetical costs may not exceed 33 % of gross income.
Note: this calculation is indicative. Banks may apply stricter criteria (e.g. 28 % limit, stress tests, supplementary income).
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