🏠 Mortgage & Property
Affordability, amortization, SARON vs. fixed and renting.
Calculators (10)
Mortgage Affordability Calculator
Check the Swiss banks’ rules: 20 % equity and housing costs below one third of income.
🏠 Mortgage & PropertyMortgage Monthly Cost
Interest and amortization of your Swiss mortgage.
🏠 Mortgage & PropertyDirect vs. Indirect Amortization
Compare repaying the mortgage directly or paying into a pillar 3a account.
🏠 Mortgage & PropertyFixed vs. SARON Mortgage
Compare total interest on a fixed-rate and a variable SARON mortgage under a rate scenario.
🏠 Mortgage & PropertyEquity & Closing Costs Needed
Calculate the cash you need to buy a home in Switzerland.
🏠 Mortgage & PropertyProperty Transfer Tax & Notary Costs
Estimate transfer tax and land-registry fees for a Swiss property purchase.
🏠 Mortgage & PropertyRent vs. Buy Calculator
Compare the cost of owning against renting over a holding period.
🏠 Mortgage & PropertyRent & Reference Interest Rate
How a change in the mortgage reference rate affects your rent.
🏠 Mortgage & PropertyHow Much Rent Can I Afford?
Use the one-third rule to find a sensible monthly rent.
🏠 Mortgage & PropertyEigenmietwert Tax Effect
Estimate how the imputed rental value and mortgage interest influence your tax, and what changes after the reform.
Guides (15)
Buying Property in Switzerland: Equity, Affordability and Costs
How much equity you need, what banks calculate and which costs surprise first-time buyers.
🏠 6 min readSARON vs. Fixed-Rate Mortgage: Which One Should You Choose?
Understand the mortgage types available in Switzerland and how to weigh certainty against cost.
🏠 5 min readThe End of the Eigenmietwert: What Changes for Homeowners
Swiss voters decided to abolish the imputed rental value. Here is what it means for taxes and mortgages.
🏠 6 min readRenting in Switzerland: Deposit, Reference Rate and Your Rights
How much rent you can afford, what the deposit rules are and when you can ask for a rent reduction.
🏠 6 min readMortgage Amortization: Direct, Indirect or Not at All?
Compare the ways to repay a Swiss mortgage and the effect of the Eigenmietwert reform.
🏠 5 min readHow to Negotiate a Better Mortgage in Switzerland
Where margins differ, when to ask and why brokers and early renewals can save thousands.
🏠 5 min readMaintenance and Renovation Costs for Swiss Homeowners
How much to budget each year, what is tax-deductible and how condominium funds work.
🏠 5 min readCan Foreigners Buy Property in Switzerland? The Lex Koller Rules
Which permits allow a home purchase, what is restricted and where to check the rules.
🏠 5 min readMoving Out of a Rental: Notice, Handover and Getting Your Deposit Back
The steps from termination to a clean handover and the release of the rent deposit.
🏠 4 min readStress-Testing Your Mortgage: Can You Handle Higher Rates?
A simple way to test your budget against rate rises and falling income.
🏠 5 min readRent or Buy? A Decision Guide for Swiss Households
The factors that matter beyond the monthly payment: equity, risk, flexibility and tax.
🏠 4 min readProperty Taxes and Tax Values in Switzerland
What the tax value is, which property taxes exist and how land transfers are taxed.
🏠 5 min readThe Home Purchase Process in Switzerland: From Offer to Land Register
The steps, the role of the notary and how long each part takes.
🏠 4 min readRenting Out Property: Income, Costs and Tax
How rental income is taxed, what you can deduct and what to check in the lease.
🏠 5 min readBuilding Your Own Home: Budget, Financing and Pitfalls
What to include in the budget, how construction loans work and why a reserve matters.