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BAHB-Standard

If a property's purchase price is CHF 1,000,000 and the mortgage amount is CHF 650,000, the loan-to-value ratio is 65%.

<p dir="ltr" style="margin-top: 0pt; margin-bottom: 0pt;"><span>The loan-to-value ratio is the percentage of a property's value that is financed by a mortgage. This percentage is also used to </span><a href="https://en.comparis.ch/hypotheken/info/glossar/tragbarkeit"><span style="color: #1155cc;">calculate the affordability</span></a><span> of a mortgage.</span></p>
<p dir="ltr" style="margin-top: 0pt; margin-bottom: 0pt;"><span>&nbsp;</span></p>
<h2><strong>Example calculation of the loan-to-value ratio</strong></h2>
<p dir="ltr" style="margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-ec3683dc-7fff-2197-bb0f-dfddb9161f8f"></span></p>
<div><span></span>
<table>
    <tbody>
        <tr>
            <td>Value of property</td>
            <td>CHF&nbsp;1,000,000</td>
        </tr>
        <tr>
            <td>Mortgage</td>
            <td>CHF&nbsp;650,000</td>
        </tr>
        <tr>
            <td><strong>Loan-to-value ratio</strong></td>
            <td><strong>65%</strong></td>
        </tr>
    </tbody>
</table>
<a variant="secondary" mb="3rem" href="/hypotheken/hypothekenrechner">Calculate affordability and loan-to-value ratio</a></div>
<p>&nbsp;</p>
<p><span id="docs-internal-guid-b850e476-7fff-2759-1261-689ff067d6f4"><a href="https://en.comparis.ch/hypotheken/hyporatgeber/belehnung-tragbarkeit"><span style="color: #1155cc;">More information about the loan-to-value ratio and affordability</span></a></span></p>

Value of property	CHF 1,000,000
Mortgage	CHF 650,000
Loan-to-value ratio	65%