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: at least 20% of the purchase price.
- Affordability: the theoretical costs must not exceed one third of the household's gross income.
- Theoretical costs: 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: 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.