As a next step, Martina and René check the purchase price of the new construction in Wolhusen: Does it fall within the usual price range for comparable properties? Immo-Check says yes. Now it’s time to get down to brass tacks: can the two of them even afford the house? Immo-Check reviews how affordable the financing is to them personally. Martina and René breathe easy. A green check mark signals: it's a match, so now they can buy the house.
Next come the details: the mortgage is 600,000 francs. At 75% (maximum 80%), the loan-to-value ratio falls in the green area. The costs of interest, repayment, maintenance and ancillary costs amount to 3,538 francs per month, at an imputed interest rate of 5%. In other words, 28% of their monthly income, where a third counts as the upper limit.
Martina and René have completed the Immo-Check. With one click, they register for a consultation. Thanks to Immo-Check, the young couple is now well prepared. And the mortgage experts are also already in the know. That being said, the tool is no substitute for a personal conversation. Each house purchase is different. “In the consultation,” says Hauser, “we then go into the details and together find a solution to suit the individual.”