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SR Mortgage loan
A mortgage is a long-term loan intended to finance real estate in order to become a homeowner. The loan is granted by a financial institution and, in order to cover the risk of non-repayment of the loan, the property is used as collateral.
To calculate the cost of a mortgage, you have to take into account the interest on the debt and the amortization of part of the loan.
Depending on your profile, we determine the most suitable variant for each situation: fixed interest rates for specified periods or variable interest rates indexed to the Libor rate.
You must have at least 20% of equity (share) of real estate prices of which at least 10% must come in savings or current account.
In addition to the purchase price of the property, there are various costs (notary fees, registration in the land register, transfer duties), of the order of 3% to 5% of the value of the object.
These costs vary from canton to canton and are not included in the financing calculation, but it is important to take them into account for the purchase project and to set aside additional funds to cover them.