In love with the listing?
Check the numbers first.

The neutral buying check for your home.

Tip: even faster with copy and paste from the listing on the property portal.

Check a property for free

What a 1.45 million property really takes

Example from a real buying check: single-family house in Oberrieden ZH
Bank mortgage80 % of the purchase price, financed by the bank.
CHF 1'160'000
Equity20 % of the purchase price, the bank's minimum. Up to CHF 145'000 may come from your pension fund.
CHF 290'000
Purchase costsNotary and land registry in the canton of Zurich.
CHF 5'500
CHF 1'450'000Purchase price of a single-family house in
Oberrieden ZH
Your monthly costs
Calculated at a real mortgage rate of 1.5 %.
CHF 3'867 / month
CHF 1'450Mortgage interest
CHF 1'208Amortisation
CHF 1'208Reserve
Amortisation is the amount you pay off your mortgage each month. On top of that, set aside at least 1 % of the purchase price per year for maintenance and renovations as a monthly reserve.
Result: 29.0 % affordability. The bank would say yes.see the full analysis
Upload the sales brochure
We read out price, floor area and year of construction ourselves. Or you enter them by hand.
Understand the numbers
Affordability, cash needed, monthly costs, mortgage. Explained, not just calculated.
View well prepared
With the questions the listing leaves open. As a checklist on your phone.

Run the numbers yourself

Four calculators, free and without sign-up. The same calculation engine as the buying check.
Affordability calculatorIs your income enough for this property? The bank calculation with 5 % interest and the 33 % limit.Calculate nowMortgage calculatorInterest, amortisation and maintenance reserve: your real monthly costs.Calculate nowPurchase costs calculatorTransfer tax, notary and land registry, for all 26 cantons.Calculate nowMaximum purchase priceYour personal price limit from income and equity.Calculate now

Always included
in the buying check

Huusfink is currently completely free. No sign-up, fully independent.
Affordability the way banks calculate it, with a traffic light✓
Real cash needed, including your canton's purchase costs✓
Your personal price limit, bidding wars included✓
Location data from open federal sources, from solar to tax rates✓
Viewing checklist built from the gaps in your listing✓
Reference values based on Swiss practice: at least 20 % equity, load around 33 %, imputed interest rate of 5 %. Estimates, not financial or legal advice.
See the example analysis

And at the viewing
you have everything ready

‹Seestrasse 41 · Sat 2 pm4 of 10 checked72
✓Roof & gutters
✓Basement & damp
Very goodGoodOkay
+Photo
Windows & seals
Noise & surroundings
Electrics & fuses

The viewing checklist walks you through every point: rate the condition, capture notes, photos and voice memos. Works even without reception in the basement.

Your buying check
Seestrasse 41, Oberrieden ZH
0Property score
Finances72
Data quality85
Property64
Your price limit
CHF 1'450'000
295'500
Cash at purchase
3'867
per month

The property score combines finances, data quality and property risk in one number. Your answers from the viewing update it live, alongside your price limit for negotiating.

Answers to
your questions

How accurate is the estimate?
The financial logic is deterministic, following banking rules. The AI only phrases questions and risks, it never calculates a single franc.
What happens to my data?
Income and assets stay with you until you save. No selling to agents or banks. Your buying dossier belongs to you.
What does Huusfink cost?
Huusfink is currently completely free: analyses, calculators and the checklist. Paid Plus features will follow later; the basics will stay free.