The cost of your new home depends on how much you earn and how much money you've saved.
To calculate the purchase price, you must know your gross salary and available funds (private savings, pension savings or a possible advance inheritance).
Financing a dream home or apartment generally involves a combination of equity and borrowed capital.
Savings, capital from your occupational and private pension funds (pillar 2 and 3), a possible advance inheritance or gift all count as equity.
Calculate your equity
You must finance at least 20% of the value of the real estate with your own equity. No more than 10% of this equity can come from your occupational pension.
Borrowed capital (mortgage)
You can finance up to 80% of the value of your property with a mortgage:
67% of the value can be financed in the first mortgage. You don’t have to amortize this amount, i.e., pay it off.
A further 13% of the property value can be financed with the second mortgage. The second mortgage must be amortized within 15 years or by the time you reach retirement age – whichever comes first.
Calculate the maximum purchase price
Use our calculator to find out how much you can afford to pay for your dream home.
As a rule of thumb, to calculate what you can afford, the following applies: All monthly costs incurred on your property should not be more than 33% of your gross income. This is the only way to finance your property over the long term. The following count as monthly costs:
- Calculated mortgage interest rate
- Possible amortization
- Maintenance and additional costs
How much equity do I need?
In short videos, our experts explain the maximum purchase price you can afford.
What can you afford?
- Verification of the purchase price based on reference properties and location
- Comprehensive information on the municipality, price level and tax rate
- Development of the perfect financing strategy for you
- On request: mortgage decisions within 24 hours
Our experts are here for you – we look forward to speaking with you