Use our calculators to find out not only your mortgage interest rate, but also what purchase price you can afford, how much you can save compared to renting and how high your maximum mortgage can be.
The first step can be so simple. Use our mortgage calculator to familiarise yourself with the personal framework conditions. However, the framework conditions vary from bank to bank and are therefore no substitute for a comprehensive consultation with a MY HYPOTHECA advisor.
MY HYPOTHECA impressed us with their expertise and commitment. They were always available and answered all our questions. Thanks to their help, we found the perfect mortgage offer that was tailored precisely to our needs.
Giovanna Macchia & Bruno Reis, Sempach, LU
At MY HYPOTHECA, I particularly appreciate the independent advice, fast service and clear customer focus. These qualities are crucial in finding the best possible financing for my real estate buyers.
Roger Möschler, Owner, RE/MAX Real Estate on Lake Zurich
Our mortgage calculators and the results they produce are only as good and accurate as the data input allows. Therefore, make sure that you enter as much information as possible about your income situation and the amount of your own funds in the input fields of the mortgage calculator. The more detailed the input, the more accurate the results will be.
We have created a small info icon for each input field to explain the value you are looking for and make it easier to calculate your mortgage.
Even if the mortgage calculator does not show the desired or expected result, you should by no means let yourself get discouraged. Very often, people underestimate their purchase potential. A conversation with a mortgage advisor can bring much more clarity. They can also provide you with additional tips and tricks regarding mortgage interest calculations.
Income: You are looking for the household income, i.e. the income of both spouses. Also include all other possible income, for example the rent from a rented holiday home or the salary from a part-time job.
Own funds: Also add any pension assets and possible inheritance withdrawals to your savings. Also think about any securities accounts or shareholdings that could be liquidated for the purpose of buying your own home. Pension assets could be: Pillar 3a, life insurance policies with surrender value, pension fund assets or the vested benefits account if, for example, a spouse is currently only working part-time and is otherwise doing care work in the family. The higher the proportion of your own funds, the more options you have when it comes to the purchase price. However, this does not necessarily mean that you have to use up all of your own funds with the purchase. Either way, it is advisable to always have a good nest egg on the side, especially when buying a property. The unexpected can always happen and can quickly cost several thousand francs. Be it a new water pipe, minor plumbing repairs or the replacement of a faulty kitchen appliance.
Purchase price: When setting the purchase price, you should not only state the advertised purchase price, but also include any renovation costs that are already planned, as well as any renovations that are planned in the near future. In this way, you also take into account the aforementioned aspect of the nest egg.
Our calculator provides the answer in seconds and also shows you how much you can save compared to renting.
However, the monthly instalments can vary from bank to bank. The MY HYPOTHEKEN advisor knows the differences.
Mortgage calculators help you to find out quickly and easily whether you can finance your dream home, what purchase price you can afford and what monthly payments you can expect.
For a detailed calculation, we recommend a free initial consultation with a HYPOTHECA consultant.
The mortgage calculators from MY HYPOTHECA provide you with a solid initial assessment in just a few steps. For a comprehensive calculation, we recommend a Free initial consultation.
The MY HYPOTHECA team of experts is looking forward to an initial discussion