Mortgage calculator

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.

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.