Exceptional property with lake view in Bellerive

CH, Bellerive VD

CHF 3,650,000.-

Back to object

Finance your dream!

Financing

Purchase price
CHF 3,650,000.-

Own capital (20%)
CHF 730,000.-

Hypothec (80%)
CHF 2,920,000.-

Mortgage 2nd rank (15%)
CHF 547,500.-

Mortgage 1st rank (65%)
CHF 2,372,500.-

The share of equity is sufficient to allow the financing of this property.

Financing

Own capital

Price

Price of object CHF 3,650,000.-

Total purchase price

CHF 3,650,000.-

Acquisition costs

% CHF 36,500.-

Transfer costs

% CHF 54,750.-

Expenses of creation of mortgage file

% CHF 35,040.-

Total acquisition

CHF 3,776,290.-

Financial capacity

Annual income (100%)
CHF 199,091.-

Theoretical costs (73%)
5475

Very well, your financial capacity (ratio between expenses and income) is within the recommended limits.

Income

Annual incomes

Annual Costs

Rates

Theoretical Actual

Mortgage interest 1st rank

2.50%

CHF 59,313.-

Mortgage interest 2nd rank

3.75%

CHF 20,531.-

Mortgage interest CHF 79,844.-

Amortization mortgage 1^st rank

1.00%

CHF 23,725.-

Amortization mortgage 2^nd rank

1.00%

CHF 5,475.-

Total mortgage amortization CHF 29,200.-

Running/maintenance costs 1 % CHF 36,500.-

Total charges CHF 36,500.-

Total per year

CHF 145,544.-

Total per month

CHF 12,129.-

Remarks:
- Theoretically, the total amount of the housing-related costs shouldn't exceed 33% of your total income.
- Borrower is required to supply at least 10% of the lending value of the property from their own funds, which may not be obtained by pledging or early withdrawal of Pillar 2 assets.

From 1st September 2014 (New Guidelines of the SBA):
- Mortgages must in all cases be paid down to two thirds of the lending value within a maximum of 15 years. (until now 20 years)
- The lending value of real estate will be based on the market value or the purchase price, whichever is lower.
- Second incomes are now normally eligible only in the case of joint and several liability.

This financial plan doesn't have contractual value. It is at your disposal as an indication only and subject to confirmation from your Bank.