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APARTMENT/OFFICE IN CENTRAL LOCATION

6900 Lugano

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Finance your dream!

Financing

Total acquisition
CHF 952,844.-
of which CHF 32,844.- of costs
Own capital and fees (30%)
CHF 276,000.-
of which CHF 32,844.- of costs
Hypothec (70%)
CHF 644,000.-
Mortgage 2nd rank (3.4%)
CHF 31,280.-
Mortgage 1st rank (66.6%)
CHF 612,720.-
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 32,844.- fees

Price

Price of object CHF 760,000.-
Parking priceCHF 160,000.-

Total purchase price

CHF 920,000.-
Acquisition costs
2.00 % CHF 18,400.-
Transfer costs
1.50 % CHF 13,800.-
Expenses of creation of mortgage file
0.10 % CHF 644.-

Total acquisition

CHF 952,844.-

Financial capacity

Annual income (100%)
CHF 77,442.-
Annual cost (17%)
2130
Theoretical costs (17%)
2130
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
1.00%
CHF 6,127.-
Mortgage interest 2nd rank
1.50%
CHF 469.-
Mortgage interest CHF 6,596.-
Amortization mortgage 1st rank
0.00%
CHF 0.-
Amortization mortgage 2nd rank
6.67%
CHF 2,086.-
Total mortgage amortization CHF 2,086.-
Running/maintenance costs CHF 4,150.-
Charges amount (CO) CHF 0.-
Renovation fund participation CHF 0.-
Life estate annuity CHF 0.-
Surface right annuity CHF 0.-
Total charges CHF 4,150.-

Total per year

CHF 12,832.-

Total per month

CHF 1,069.-
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.