Mortgage calculator

What does your home cost per month? Interest, amortisation and reserves at the real rate, next to the bank's imputed calculation.

Purchase price
CHF
200'0003'000'000
EquityMortgage: CHF 800'000
CHF
20'0001'500'000
Mortgage interest rate
%
0,5 %4 %
Monthly costs
CHF 2'667
at a real interest rate of 1,50 %
Mortgage interestCHF 1'000
AmortisationCHF 833
Maintenance and reservesCHF 833
Imputed (5 %)CHF 5'000

The imputed figure is what the bank uses to calculate affordability. Budget somewhere in between, and even rising rates won't throw you off.

Run the full buying check

Calculate real, think imputed

The monthly figure at the real interest rate is your budget: it leaves your account every month. The imputed figure at 5 % is the bank's yardstick for lending. Smart buyers budget in between: low enough to live well, high enough not to be forced to sell when rates rise.

The underestimated item: maintenance

Around 1 % of the purchase price per year for maintenance, running costs and reserves sounds abstract, but it's real: heating, roof, bathroom and facade all come around eventually. On a million-franc purchase that's over 800 francs a month you should set aside, even while nothing is broken.

Frequently asked questions

Calculating is the start. Checking is the point.

The buying check takes a specific property apart: affordability, equity, purchase costs, risks and the questions for the viewing. Free, no sign-up.

Check a property now

More calculators

Affordability calculatorIs your income enough for this property?Purchase costs calculatorTaxes, notary and land registry at purchaseMaximum purchase priceYour personal price limit

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.