Mortgage affordability calculator
Are your income and your own funds enough for the property you have in mind? This calculator applies the rules Swiss banks use, and gives you a first answer in seconds.
Based on a minimum 20% equity and costs capped at one third of income (theoretical rate 5%, maintenance 1%, amortisation over 15 years of the part above two thirds of the price).
Refine with an advisorHow the calculation works
- Own funds must cover at least 20% of the purchase price.
- For affordability, the theoretical costs must not exceed one third of the household's gross income.
- The theoretical costs include interest calculated at 5% on the mortgage, 1% of the price for maintenance and running costs, and amortisation over 15 years of the part of the loan above two thirds of the price.
- The price shown is the lower of the two limits, own funds and affordability.
Frequently asked questions
Why 5% interest when real rates are lower?
Banks check that you could still pay if rates went back up. This theoretical rate is only used for the affordability check. What you actually pay depends on the rate you negotiate.
Can I use my second and third pillar?
Yes, as own funds, under conditions. At least 10% of the price must come from sources other than your pension fund, though. Using pension money also reduces your future benefits, so it is a trade-off worth calculating.
What if the result is too tight?
There are several levers. You can add more own funds, count a partner's income, aim for a cheaper property or postpone the purchase by a year or two. A feasibility study shows which one makes the biggest difference in your case.