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FINANCING

How can I finance my property purchase?

You would like to buy a home or build the property of your dreams.
Trust Immobilier can put you in touch with professional organisations such as banks, insurers and tax experts who will be able to advise you on your situation.
The amount of financing available for your property will mainly depend on your capital and income.
With Trust Immobilier’s calculation tools, it’s simple, you can do your calculations online very easily.

Finance your dream!

Price of the object
Stockholders' equity
+ CHF 29,374.- fees
Annual incomes

Financing

Purchase price
CHF 0.-
Own capital (20%)
CHF 0.-
Hypothec (80%)
CHF 526,800.-
Mortgage 2nd rank (15%)
CHF 98,790.-
Mortgage 1st rank (65%)
CHF 428,090.-
Plan de travail 1
The share of equity is sufficient to allow the financing of this property.
Plan de travail 1
Please note that the share of equity is below the minimum required to finance this property. Please contact your bank to find a financing solution.
Plan de travail 2
The share of equity does not allow the financing of this property.

Price

Price of object CHF 0.-

Total purchase price

CHF 0.-
Acquisition costs
% CHF 0.-
Transfer costs
% CHF 0.-
Expenses of creation of mortgage file
% CHF 6,323.-

Total acquisition

CHF 687,974.-

Financial capacity

Monthly income
CHF 9,564.-
Effective monthly costs (34%)
3155.7916666667
Theoretical costs (34%)
3155.7916666667
Plan de travail 1
Very well, your financial capacity (ratio between expenses and income) is within the recommended limits.
Plan de travail 1
Be careful, your financial capacity (ratio between expenses and income) is close to the recommended limit. Please contact your bank to make sure that financing is possible.
Plan de travail 2
Your financial capacity (ratio between expenses and income) is below the recommended limit and therefore does not allow you to support the expenses related to the financing of this object.

Annual Costs

Rates
Mortgage interest 1st rank
2.5%
CHF 21,405.-
Mortgage interest 2nd rank
3.75%
CHF 4,940.-
Mortgage interest CHF 26,345.-
Amortization mortgage 1st rank
0%
CHF 0.-
Amortization mortgage 2nd rank
6.67%
CHF 0.-
Total mortgage amortization CHF 0.-
Running/maintenance costs
1%
CHF 1.-
Charges amount (CO) CHF 0.-
Renovation fund participation CHF 0.-
Life estate annuity CHF 0.-
Surface right annuity CHF 0.-
Total charges CHF 0.-

Total per year

CHF 39,517.-

Total per month

CHF 3,293.-