×
3D walkthrough
Firstview
Picture 1
Picture 2
Picture 3
Picture 4
Picture 5
Picture 6
Picture 7
Picture 8
Picture 9
Picture 10
Picture 11
Picture 12
Picture 13
Picture 14
Picture 15
Picture 16
Picture 17
Picture 18
Picture 19
Picture 20
Picture 21
Picture 22
Picture 23
Picture 24
Picture 25
Picture 26
Picture 27
Picture 28
Picture 29
Picture 30
Picture 31
Picture 32
Picture 33
Picture 34
Picture 35
Picture 36
Picture 37
Picture 38
Picture 39
Picture 40
Picture 41
Picture 42
Picture 43
Picture 44
Picture 45
Picture 46
Picture 47
Picture 48
Picture 49
Picture 50
Picture 51
Location plan

Chalet Le Dahu

CHF 5,350,000.-

Hauts de Chesières, Chesières

Back to object

Finance your dream!

Financing

Purchase price
CHF 5,350,000.-
Own capital (20%)
CHF 1,070,000.-
Hypothec (80%)
CHF 4,280,000.-
Mortgage 2nd rank (15%)
CHF 802,500.-
Mortgage 1st rank (65%)
CHF 3,477,500.-
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 238,610.- fees

Price

Price of object CHF 5,350,000.-

Total purchase price

CHF 5,350,000.-
Acquisition costs
% CHF 107,000.-
Transfer costs
% CHF 80,250.-
Expenses of creation of mortgage file
% CHF 51,360.-

Total acquisition

CHF 5,588,610.-

Financial capacity

Annual income (100%)
CHF 291,818.-
Annual cost (73%)
8025
Theoretical costs (73%)
8025
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 86,938.-
Mortgage interest 2nd rank
3.75%
CHF 30,094.-
Mortgage interest CHF 117,032.-
Amortization mortgage 1st rank
1.00%
CHF 34,775.-
Amortization mortgage 2nd rank
1.00%
CHF 8,025.-
Total mortgage amortization CHF 42,800.-
Running/maintenance costs 1 % CHF 53,500.-
Charges amount (CO) CHF 0.-
Renovation fund participation CHF 0.-
Life estate annuity CHF 0.-
Surface right annuity CHF 0.-
Total charges CHF 53,500.-

Total per year

CHF 213,332.-

Total per month

CHF 17,778.-
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.