Switzerland mortgage affordability calculator (Hypothek)
Calculate Swiss mortgage affordability (Tragbarkeit) under 33% income rule, 5% imputed interest, 1% upkeep, and 20% equity split in Swiss Francs.
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Mindestens 20% erforderlich (min. 10% «echtes» Eigenkapital).
Gesamtes Haushaltsbruttoeinkommen pro Jahr.
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About this tool
Simulate Swiss home financing affordability (Hypothekenrechner Tragbarkeit). Swiss banks require that total housing costs (calculated using a theoretical 5% imputed interest rate, 1% property maintenance costs, and 2nd mortgage amortization over 15 years) do not exceed 33% of your gross annual household income.
How to use it
- 1 Enter property purchase price and annual gross household income.
- 2 Specify your cash and Pillar 3a/2 equity down payment (minimum 20%).
- 3 View affordability percentage, monthly payments, and 1st/2nd mortgage split.
Questions
What is the Swiss mortgage affordability rule (Tragbarkeit)?
Swiss lenders require that ongoing homeownership costs do not exceed 33% of gross income, tested at a safety margin imputed interest rate of 5.0% plus 1% property maintenance costs.
What is the minimum down payment equity for a Swiss mortgage?
Borrowers must provide at least 20% equity down payment, of which at least 10% must come from genuine cash savings, Pillar 3a, or securities (not Pillar 2 pension assets).
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
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