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3D walkthrough
Firstview
Picture 1
Picture 2
the entrance to a house on a hill with a driveway
an empty room with wooden floors and large windows
the interior of a house with wooden floors and walls
a small kitchen with white cabinets and appliances
the interior of a house with wooden walls and floors
the interior of a house with wooden floors, large windows and a fireplace in the center of the room
the interior of a large house or building with wooden walls and floors and doors
the corner of a room with large windows
a kitchen with yellow cabinets and a table
a kitchen with a table and chairs inside of it
a bathroom with blue and white tiles on the walls and floor
a small bathroom with a white toilet and black and white checkered floor
a cabin with wooden walls, a large window and a bunk bed
a room in a house with a door, windows, and hardwood floors
a room in a house with wooden floors, walls, and a window
an empty room with wooden floors and large windows
a small village in the mountains
a long narrow room with wooden walls and a wooden bench on the floor
a house with a small balcony overlooking the mountains
a city is a small village on top of a hill
a city is a small village nestled in the green hills
a city is a village of small houses on a hillside in the valley
Plan
Location plan

Les Myosotis

CHF 990,000.-

Centre de Gryon, Gryon

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Finance your dream!

Financing

Purchase price
CHF 990,000.-
Own capital (20%)
CHF 198,000.-
Hypothec (80%)
CHF 792,000.-
Mortgage 2nd rank (15%)
CHF 148,500.-
Mortgage 1st rank (65%)
CHF 643,500.-
Plan de travail 1
The share of equity is sufficient to allow the financing of this property.
Plan de travail 1
Please note that the share of equity is below the minimum required to finance this property. Please contact your bank to find a financing solution.
Plan de travail 2
The share of equity does not allow the financing of this property.

Financing

Own capital

+ CHF 44,154.- fees

Price

Price of object CHF 990,000.-

Total purchase price

CHF 990,000.-
Acquisition costs
% CHF 19,800.-
Transfer costs
% CHF 14,850.-
Expenses of creation of mortgage file
% CHF 9,504.-

Total acquisition

CHF 1,034,154.-

Financial capacity

Annual income (100%)
CHF 54,000.-
Annual cost (73%)
1485
Theoretical costs (73%)
1485
Plan de travail 1
Very well, your financial capacity (ratio between expenses and income) is within the recommended limits.
Plan de travail 1
Be careful, your financial capacity (ratio between expenses and income) is close to the recommended limit. Please contact your bank to make sure that financing is possible.
Plan de travail 2
Your financial capacity (ratio between expenses and income) is below the recommended limit and therefore does not allow you to support the expenses related to the financing of this object.

Income

Annual incomes

Annual Costs

Rates
Mortgage interest 1st rank
2.50%
CHF 16,088.-
Mortgage interest 2nd rank
3.75%
CHF 5,569.-
Mortgage interest CHF 21,657.-
Amortization mortgage 1st rank
1.00%
CHF 6,435.-
Amortization mortgage 2nd rank
1.00%
CHF 1,485.-
Total mortgage amortization CHF 7,920.-
Running/maintenance costs 1 % CHF 9,900.-
Charges amount (CO) CHF 0.-
Renovation fund participation CHF 0.-
Life estate annuity CHF 0.-
Surface right annuity CHF 0.-
Total charges CHF 9,900.-

Total per year

CHF 39,477.-

Total per month

CHF 3,290.-
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.