Mortgage

Can you afford it? The Swiss test, in seconds.

Lenders test affordability against a theoretical 5% imputed rate plus maintenance and amortisation — and your total housing cost must stay under a third of your gross income. Here's where you stand.

Purchase price (CHF)

Down payment (CHF)

Gross household income / yr (CHF)

Actual rate (%)

Imputed rate (%)

Rule of thumb: ≥20% equity (max half from pillar 3a/2), 1% maintenance, amortise to 65% LTV within 15 years.