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a large room with a dining table and chairs and a living room and kitchen in the background
Picture 1
a living room and kitchen in a modern apartment with white furniture
a modern apartment with a kitchen, dining room and living room with a picture on the wall above the table with white chairs
the interior of a modern apartment with a kitchen and living room
Picture 2
a picture of a bedroom with a white bed and a large window
a picture of a modern bedroom with a double bed
a picture of a small bathroom with a white sink, tub and shower
a white sink and toilet in a small room
Picture 3

Charming 2.5 room apartment renovated with beautiful view

CHF 560,000.-

Quartier Europa, Crans-Montana

Great opportunity
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Finance your dream!

Financing

Purchase price
CHF 560,000.-
Own capital (20%)
CHF 112,000.-
Hypothec (80%)
CHF 448,000.-
Mortgage 2nd rank (14%)
CHF 78,400.-
Mortgage 1st rank (66%)
CHF 369,600.-
Plan de travail 1
The share of equity is sufficient to allow the financing of this property.
Plan de travail 1
Please note that the share of equity is below the minimum required to finance this property. Please contact your bank to find a financing solution.
Plan de travail 2
The share of equity does not allow the financing of this property.

Financing

Own capital

+ CHF 21,728.- fees

Price

Price of object CHF 560,000.-

Total purchase price

CHF 560,000.-
Acquisition costs
% CHF 16,800.-
Transfer costs
% CHF 0.-
Expenses of creation of mortgage file
% CHF 4,928.-

Total acquisition

CHF 581,728.-

Financial capacity

Annual income (100%)
CHF 25,697.-
Annual cost (60%)
707
Theoretical costs (60%)
707
Plan de travail 1
Very well, your financial capacity (ratio between expenses and income) is within the recommended limits.
Plan de travail 1
Be careful, your financial capacity (ratio between expenses and income) is close to the recommended limit. Please contact your bank to make sure that financing is possible.
Plan de travail 2
Your financial capacity (ratio between expenses and income) is below the recommended limit and therefore does not allow you to support the expenses related to the financing of this object.

Income

Annual incomes

Annual Costs

Rates
Mortgage interest 1st rank
1.50%
CHF 5,544.-
Mortgage interest 2nd rank
1.80%
CHF 1,411.-
Mortgage interest CHF 6,955.-
Amortization mortgage 1st rank
1.00%
CHF 3,696.-
Amortization mortgage 2nd rank
1.00%
CHF 784.-
Total mortgage amortization CHF 4,480.-
Running/maintenance costs CHF 4,000.-
Charges amount (CO) CHF 0.-
Renovation fund participation CHF 0.-
Life estate annuity CHF 0.-
Surface right annuity CHF 0.-
Total charges CHF 4,000.-

Total per year

CHF 15,435.-

Total per month

CHF 1,286.-
Remarks:
- Theoretically, the total amount of the housing-related costs shouldn't exceed 33% of your total income.
- Borrower is required to supply at least 10% of the lending value of the property from their own funds, which may not be obtained by pledging or early withdrawal of Pillar 2 assets.

From 1st September 2014 (New Guidelines of the SBA):
- Mortgages must in all cases be paid down to two thirds of the lending value within a maximum of 15 years. (until now 20 years)
- The lending value of real estate will be based on the market value or the purchase price, whichever is lower.
- Second incomes are now normally eligible only in the case of joint and several liability.

This financial plan doesn't have contractual value. It is at your disposal as an indication only and subject to confirmation from your Bank.