Swiss Mortgage Affordability Stress-Test Calculator
Calculate your Swiss property borrowing capacity using standard bank stress-testing formulas.
Swiss Mortgage Affordability Stress-Test Calculator
Simulate property affordability rules (Tragbarkeit) under standard Swiss banking stress tests and calculate real costs.
Property & Finance Details
Your household income or down payment is insufficient to satisfy the bank's stress requirements.
Calculation Figures
What is the Swiss Mortgage Affordability Stress-Test Calculator?
Check your Swiss mortgage affordability (Tragbarkeit) under standard bank lending guidelines. Simulates downpayment, LTV, stress interest (5%), utilities, and amortization against your income.
How Does the Swiss Mortgage Affordability Stress-Test Calculator Work?
1. Input Property Price and Down Payment. 2. Input Gross Annual Household Income. 3. Configure Stress and Real Interest Rates. 4. View eligibility, LTV, required income, and real monthly costs.
Formula & Calculation Method
Total annual stress costs (5% imputed interest + amortization of loan part above 67% over 15 years + 1% maintenance) must not exceed 33% of gross income. Downpayment must be at least 20%.
Example Calculation
Property CHF 1M, Downpayment CHF 200k, Gross income CHF 150k. Loan = CHF 800k (LTV 80%). Imputed costs = 800k * 5% + (800k - 670k)/15 + 1M * 1% = 40k + 8.6k + 10k = CHF 58,667. Ratio = 39.1% (fails stress test). Required income = CHF 177,778.
Frequently Asked Questions
Total annual stress costs (5% imputed interest + amortization of loan part above 67% over 15 years + 1% maintenance) must not exceed 33% of gross income. Downpayment must be at least 20%.
Disclaimer: This tool is provided for informational and calculation purposes. Output values are estimates based on standard user inputs.