Mortgage Affordability Calculator Switzerland
Enter your gross annual income, your own funds and the mortgage rate: you will see the maximum purchase price under the affordability rule, the mortgage and whether your income or your own funds set the limit.
General values (Switzerland). They don't account for regional rules or other costs that may apply. Check them with your lender or advisor.
More options
Enter your income, own funds, interest rate and imputed rate.
A rough estimate. Banks also look at your other debts, your pension savings and your job.
Work out the mortgage for this home →Results are estimates. Solvemis accepts no responsibility for the results obtained or for how they are used. Always double-check the result and talk to a qualified professional before making decisions.
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How it works
How to use it
- Enter your gross annual income and the own funds you have available.
- Add the mortgage rate you expect.
- Check the imputed rate, the share of income, the buying costs and the maximum financing, and adjust them.
- See the maximum purchase price, the breakdown and which limit applies.
How it is calculated
Two prices are calculated and the lower one applies. By affordability: the price at which a 5% imputed rate on the mortgage, 1% upkeep and amortization of the part above two thirds over 15 years exactly match the chosen share of gross income. By own funds: the price at which your own funds exactly cover the part that is not financed and the buying costs. The monthly cost uses your actual rate. These are guide values for Switzerland. A second applicant's income is added to yours; other debt payments count the way the country's rule counts them.
Sources
About this calculator
How it is calculated
A home has to clear two hurdles. The first is affordability: with a 5% imputed rate, the amortization and 1% upkeep, the costs should be no more than a third of gross income. The second is own funds: the bank lends at most 80% of the purchase price, and you put in the rest and the buying costs yourself. The calculator works out the price for each limit and takes the lower one.
An example without buying costs: with CHF 180,000 of gross income and CHF 200,000 of own funds, affordability allows a little over CHF 1,000,000 and your own funds exactly CHF 1,000,000. So here it is your own funds that set the limit.
What banks in Switzerland look at
Each bank calculates affordability a little differently, some with 4.5% instead of 5%. At least 10% of the purchase price must be hard equity that does not come from your pension fund. For the years after retirement, banks check affordability against your lower pension income.
Buying costs in Switzerland
Property transfer tax, notary, land registry and mortgage note depend on the canton and can reach about 5% of the purchase price for buyers; some cantons do not levy a transfer tax. The 3% filled in is a general guide value: check it with your bank or adviser.
Frequently asked questions
How do banks calculate affordability?
With an imputed rate of usually 5% on the whole mortgage, amortization of the second mortgage over 15 years and upkeep of 1% of the purchase price. Together these costs should be no more than a third of gross income.
How much own funds do I need?
As a rule at least 20% of the purchase price, of which at least 10% hard equity. You pay the buying costs on top from your own funds.
Why does my actual rate not count?
Because the bank wants to be sure you can carry the mortgage even if rates rise. Your actual rate only decides the monthly cost, which the calculator also shows.
What if we buy as a couple, or I already pay other loans?
Under «More options» you can add the second applicant's income, which is added to yours, and what you already pay each month for other loans, cards or leasing. In Switzerland, lenders take those payments off your income before applying the percentage.
Updated 14 October 2026
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