Mortgage affordability calculator
Per Swiss banking rules: 20% down payment min + theoretical charges < 33% of income.
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Per Swiss banking rules: 20% down payment min + theoretical charges < 33% of income.
⚠ Not all conditions are met — adjust price, equity or income.
- Loan amount
- CHF 650'000
- Loan-to-value (LTV)
- 81.3%
- Minimum down payment
- CHF 160'000
- Interest (5% theoretical)
- CHF 32'500
- Maintenance (1%)
- CHF 8'000
- Amortisation (15 yrs)
- CHF 8'667
- Total yearly charges
- CHF 49'167
- Charge ratio
- 41.0%
Indicative estimate. Real calculation depends on the bank, context and your full profile. Polia is not a financial advisor or mortgage broker.