Switzerland Mortgage Calculator 2026
Sketch a Swiss Hypothek monthly CHF charge from the Kaufpreis, your equity and the contractual Satz on the bank term sheet.
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Frequently Asked Questions
Clear answers to common questions to help you use this calculator confidently.
Is the SNB policy rate inserted automatically?
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Is the SNB policy rate inserted automatically?
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No. Type the SARON-plus-margin or Festhypothek Satz from the bank Offerte.
Does this force 20% equity?
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Does this force 20% equity?
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No. Swiss practice usually requires it, but the page amortises whatever equity figure you enter.
Can I model amortisation via pillar 3a?
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Can I model amortisation via pillar 3a?
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Not as a 3a plan. The sketch is a direct amortising annuity on the typed principal.
Why is there no Zürich versus Genève transfer-tax switch?
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Why is there no Zürich versus Genève transfer-tax switch?
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Rates are cantonal. Inventing a default canton would be worse than omitting the tax.
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