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Own capital(Acquisition costs included) min. 231'044


Purchase price   890'000.-      
Acquisition costs % 15'130.-    
Transfer costs % 29'370.-    
Expenses of creation of mortgage file % 8'544.-    
Total acquisition       943'044.-  


Own capital %     178'000.-
Mortgage 1st rank   578'500.- =65.0%    
Mortgage 2nd rank   133'500.- =15.0%    
Total Mortgage       712'000.- =80.0%

Annual Costs

Mortgage interest 1st rank % 8'678.-    
Mortgage interest 2nd rank % 2'003.-    
Total interest       10'681.-  
Mortgage amort. 2nd rank % 1'335.-    
Total amortization       1'335.-  
Running/maintenance costs       8'900.-  
Total per year       20'916.-  
Total per month       1'743.-  

Minimum income

Mortage interests 1st rank for min. income % 28'925.-    
Mortage interests 2nd rank for minmal income % 6'675.-    
Total amortization   1'335.-      
Running/maintenance costs   8'900.-      
Total cost for minimum income calculation   45'835.-      
Minimum income per year       138'894.-  
Minimum income per month       11'575.-  
Costs/income ratio       33%  
- Theoretically, the total amount of the housing-related costs shouldn't exceed 33% of your total income.
- Borrower is required to supply at least 10% of the lending value of the property from their own funds, which may not be obtained by pledging or early withdrawal of Pillar 2 assets.

From 1st September 2014 (New Guidelines of the SBA):
- Mortgages must in all cases be paid down to two thirds of the lending value within a maximum of 15 years. (until now 20 years)
- The lending value of real estate will be based on the market value or the purchase price, whichever is lower.
- Second incomes are now normally eligible only in the case of joint and several liability.

This financial plan doesn't have contractual value. It is at your disposal as an indication only and subject to confirmation from your Bank.