Mortgage Calculator

What home fits my budget?

If you start arranging your mortgage in good time, the buying process will go smoothly once you have found your dream home. Use the mortgage calculator to work out your affordability ratio and then find out what mortgage rate is available to you by comparing mortgages at comparis.ch – with no obligation.

Step 1: Calculate your mortgage

Purchase price (CHF)
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Purchase price
Taxes and official fees are not included in the purchase price.
CHF
Deposit (CHF)
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Deposit
Initial amount the buyer puts towards the purchase of the property. The money may come from savings, private pension, occupational pension funds, inheritance, etc. Lenders generally require a deposit of at least 20% of the purchase price. If you lack the capital to provide the deposit, it may be possible to draw on your pension assets (from 2nd and 3rd pillar).
CHF
Annual household income (CHF)
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Annual household income
Gross income from employment before deduction of social contributions and including 13th month salary and other salary components.
CHF

Loan-to-value ratio
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Loan-to-value ratio
The loan-to-value ratio is the amount of the property value or purchase price that is financed by a mortgage. A mortgage of CHF 650,000 at a purchase price of CHF 1,000,000 equals a loan-to-value ratio of 65%. Most providers offer mortgage financing up to a maximal loan-to-value ratio of 70% to 80%.
Affordability
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Affordability
This provides an indication of whether you can afford your preferred mortgage in the medium term. The following rule applies: the mortgage rates, the amortisation as well as the maintenance and additional costs added together should not amount to more than a third of your income. Many mortgage lenders do not offer financing when affordability is greater than 33%.

Congratulations! Based on the above figures, you can afford to buy the property.

We will be pleased to help you find the right mortgage provider – free of charge.



Based on the income and deposit you specified, the value of the property slightly exceeds your budget. We recommend a purchase price of max. CHF %MortgageValue%.

Tip: Have you considered all funds at your disposal? You may also use securities, advancements of inheritance or your retirement savings. Learn more here.

  • How the mortgage calculator works

    The basic information required to calculate a mortgage is the purchase price of the property, the available deposit and the gross annual household income. These figures are are used to calculate affordability and the loan-to-value ratio, which are important to lenders and provide an indication of your creditworthiness. However, as these figures alone do not tell us much about the monthly costs involved, you can enter your desired or expected interest rate in step 2. This will give you a better idea of the costs that may be incurred.
  • What do the terms “affordability” and “loan-to-value ratio” mean?

    Affordability provides an indication of whether you can afford your chosen home in the long term, including during periods when interest rates are high. If the affordability value is low, you have a good chance of being offered an attractive interest rate. If your affordability is greater than 33%, it will be very difficult to find a lender and you will need to consider ways in which you can improve your affordability.

    The loan-to-value ratio describes the proportion of the amount you are borrowing and your deposit to the purchase price. Note that most lenders offer a loan-to-value ratio of no greater than 80%, which means you will need to provide a deposit of at least 20%. If the loan-to-value ratio is 65% or more, a second mortgage is usually taken out, generally at a higher interest rate.
  • Notes on the mortgage calculator at comparis.ch

    The calculation is based on the figures you provide, as well as assumptions and approximate values. comparis.ch can assume no responsibility for the completeness and accuracy of the results. The results are for information purposes only; any purchases made on the basis of these results are at the customer's own risk.

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