Question 1

How do I calculate my buying capacity in Switzerland?

Accepted Answer

Buying capacity is calculated using the one-third rule: your theoretical annual mortgage charges (interest at 5%, repayment, maintenance) must not exceed 33% of your gross income. You also need at least 20% of the property price in equity.

Question 2

How much equity do I need to buy in Switzerland?

Accepted Answer

In Switzerland, you need a minimum of 20% of the property price in equity. At least 10% must come from personal savings or pillar 3a — not solely from your occupational pension (LPP).

Question 3

What is the Swiss mortgage debt ratio?

Accepted Answer

The debt ratio is the proportion of your theoretical annual mortgage charges (calculated at 5% interest) relative to your gross annual income. Swiss banks accept up to 33% (one-third rule).

Question 4

What is the difference between a simulation and a planning session?

Accepted Answer

The online simulation gives a first estimate based on your inputs. The planning session with a certified advisor analyses your complete situation, applies Swiss banking criteria and produces a personalised report including pillar 3a strategies.

Discover your borrowing capacity in 5 minutes