Huusfink

Check affordability (Tragbarkeit)

Checks the affordability (Tragbarkeit) of a residential property purchase in Switzerland the way Swiss banks do: 5 % imputed interest on the mortgage, 1 % annual maintenance on the purchase price, amortisation of the second mortgage down to 65 % within 15 years; together these annual costs must not exceed 33 % of gross household income. Also checks the equity rule (at least 20 % of the purchase price, of which at least 10 % hard equity, i.e. not from the pension fund). Use this tool instead of e

Maximum purchase price

Calculates the maximum purchase price (personal price limit) for residential property in Switzerland from gross annual income and equity, under the banks' 33 % affordability limit and the 20 % equity rule. Use it for questions like 'How expensive a home can I afford?'.

Purchase costs by canton

Calculates the one-off purchase costs (transfer tax / Handänderungssteuer, notary, land registry, mortgage note / Schuldbrief) for a property purchase in a Swiss canton, from the buyer's perspective for an owner-occupied home, incl. special rules such as Bern's CHF 800'000 owner-occupier allowance. These costs are not covered by the mortgage; they are paid from savings on top of the equity. Cantons as two-letter codes (ZH, BE, …); "CH" returns a rough Swiss average.

Monthly housing costs

Calculates the real monthly costs of owning a home in Switzerland from purchase price, equity and the effective mortgage interest rate: mortgage interest, amortisation of the second mortgage and a 1 % per year maintenance reserve. Also returns the bank's imputed calculation at 5 % for comparison.

Bidding scenarios

Calculates bidding scenarios for a concrete listing (listing price, +5 %, +10 %, +15 %): for each bid the affordability load and whether it is still within the buyer's personal price limit. Useful when someone in a bidding process (Bieterverfahren) wants to know how far they can go.