Hypothekenrechner Schweiz Tragbarkeit (33%-Regel)
Hypothekenrechner Schweiz: Berechnen Sie die Tragbarkeit unter der 33%-Regel, 5% kalkulatorischem Zins, 1% Nebenkosten und 20% Eigenkapital. Kostenlos.
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Mindestens 20% erforderlich (min. 10% «echtes» Eigenkapital).
Gesamtes Haushaltsbruttoeinkommen pro Jahr.
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Also with the switzerland mortgage affordability calculator (hypothek)
About this tool
Prüfen Sie, ob Sie sich Ihr Eigenheim in der Schweiz leisten können. Berechnet die finanzielle Tragbarkeit nach den Richtlinien der Schweizer Banken.
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
Was bedeutet die 33%-Tragbarkeitsregel in der Schweiz ?
Die laufenden Gesamtkosten der Liegenschaft (berechnet mit 5% kalkulatorischem Zins, 1% Nebenkosten und Amortisation) dürfen maximal 33% des Bruttoeinkommens ausmachen.
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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