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than the price shown.
A transparent calculation you can change. Indicative figures: you choose the assumptions.
NIVOZA True Budget is a free calculator that estimates the real monthly cost of a home in Switzerland, item by item: rent, service charges, energy, insurance, Serafe fee and transport when renting; interest, amortisation and maintenance when buying.
Set up your scenario
The result updates with every change.
No figure is saved: the calculation runs in your browser.
Calculated only from the figures entered and the assumptions below.
Mortgage: 675'500 CHF
Your own funds cover the minimum of 195'500 CHF (20 % of the price and about 3 % purchase costs).
Estimated purchase costs (notary, land register, transfer tax): 25'500 CHF.
Banks’ theoretical burden (5 % rate, amortisation, upkeep): 4'128 CHF a month.
Recommended annual income: 148'592 CHF.
Assumptions
Insurance 30 CHF a month unless you change it; Serafe fee at the year’s rate; rent deposit of 3 months; purchase: the part above two thirds amortised over 15 years, upkeep 1 % of the price a year, purchase costs 3 %.
An estimate only, not binding. It is neither financial advice nor a bank decision.