Calculators for buying property
The same logic banks calculate with, freely accessible: no sign-up, no email, no passing your data to agents or banks.
Typical questions on the way to your own home
From the first budget to the viewing: the order in which the questions come up in a real purchase.
What can I afford?
It starts not with the listing but with your number: income and equity set the price range you search in.
Calculate your maximum purchase price →Will the bank back me?
Banks calculate with 5 % interest and one third of your income as the limit. Understand the rule and the financing meeting holds no surprises.
Check affordability →What does it cost per month?
Interest, amortisation and the often forgotten maintenance: the real monthly load sits between the low-rate dream and the bank's stress test.
Calculate monthly costs →How much cash do I need?
20 % equity is the minimum; on top come taxes, notary and land registry. None of it runs through the mortgage.
Calculate purchase costs →What do I look for at the viewing?
Heating, roof, damp, noise and paperwork: the checklist walks you through the appointment with a rating scale, notes and photos.
Open the checklist →Is this property worth its price?
The buying check runs the numbers on a specific listing: affordability, purchase costs, risks and the questions you should ask the agent.
Start the buying check →There's more background in the guide: affordability, equity, purchase costs by canton and the viewing.
All values are reference values based on standard Swiss banking practice (SBVg minimum requirements), not financial advice. Individual banks calculate differently; what's binding is always your bank's offer.