Mortgage Calculator

Money from the pension fund and pillar 3a may only be withdrawn in advance to buy or convert a home you will occupy yourself. You can fund up to 10% of the property value from your occupational pension fund, i.e., half of the required equity amount. You can use pillar 3a to finance the remaining 10%. In addition, you can withdraw or pledge equity from your occupational and private pension funds.

Interest varies depending on the mortgage and maturity. In our example, we assume an interest rate of 1%. Simply adjust the hypothetical interest rate in the calculator to find out how rising interest rates will affect your monthly costs.

We will be happy to help you find the right mortgage combination for you. 

Maintenance and ancillary costs usually come to about 3% of the property value.

These include costs for water, electricity, garbage, heating and upkeep. Maintenance costs are expenses for keeping the property in good condition, for example, for small repairs and taking care of the surroundings and the garden.

The results generated by the mortgage calculator are based on the information provided by the user, as well as on assumptions and approximate values. UBS does not accept any responsibility for the accuracy or completeness of the information provided by the user, nor for the results of the calculations based on this information. The calculations are for information purposes only and are not binding. Any actions taken based on the calculation results remain the sole responsibility of the user. In particular, the results of the calculations must not be construed as a recommendation. UBS does not furnish advisory services with the mortgage calculator. The user himself or herself is responsible for interpreting the results of the calculations. Any liability on the part of UBS for damages resulting from the use of the calculator or from access to it is entirely excluded.