Calculator
Mortgage affordability calculator
Check whether your dream home in Switzerland is affordable - using the 1/3 rule, a 5% calculatory interest rate and ancillary costs.
Your numbers
At least 20% of the price, and at least 10% in hard cash (not pension money).
Your affordability
Looks affordable
Costs are 28.9% of gross income and loan-to-value is 75.0% - within standard Swiss rules.
Mortgage neededCHF 900'000
Loan-to-value75.0%
Equity share25.0% ✓
Annual imputed cost
Notional interest (5%)CHF 45'000
Maintenance (1% of price)CHF 12'000
AmortizationCHF 6'667
Total per yearCHF 63'667
Share of gross income28.9% (target ≤ 33%)
Indicative only, based on standard Swiss lending rules (as of 2025) - not a lending offer. Banks vary.