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Mortgage

Do you want to buy real estate or place an existing mortgage somewhere else? You are currently in the construction phase and want to change your construction loan in a mortgage? We find you the best financing offers for the following real estate opportunities in Switzerland:

- single- and double-family houses

- owner-occupied flats

- blocks of flats

- business premises with offices, shops and medical practice


Equity

Disposing of 20 per cent equity the dream of buying your own home can come true. Equity includes own cash funds, private loans or policy loans as well as mortgage-free building plots and early withdrawals of pension funds.


Debt capital

For the remaining 80 per cent of the purchase price or the assessed market value we propose to find the best mortgage loan: 65 per cent as first mortgage und 15 per cent as second mortgage.


Calculation

A sound financing prerequisites that the overall annual charge is in balance compared to the income. It should not exceed a third of the gross income, taken into account possible future interest rate volatility. The like applies to amortisation: it needs be adequately high, so that the annual charge is bearable even at old age without having to suffer financial straits. To achieve such a goal safely, it is of advantage to amortise the 2nd mortgage before your retirement.


Amortise indirectly and profit fiscally

With indirect amortisation the mortgage charge remains constant, meanwhile with direct amortisation it decreases continuously. The constant mortgage charge provides, in addition to further elements, an attractive tax advantage.


Advantages of indirect amortisation

Planning security by combination of sound financing (mortgage) and a smart savings plan (insurance)

• Individual risk coverage

• Choice between constant and decreasing lump-sum death benefit

• Optional waiver of contributions in case of occupational disability

• Optional loss of income benefits

• Multi-variant savings capital creation

• Guaranteed minimum return and surplus participation by results within life insurance

• Priority of rank of the life insurance beneficiary (inheritance and bankruptcy privilege)

• Advantageous fiscal optimisation