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Second home

Penthouse-duplex with commanding views of Lake Lugano

Ruvigliana

CHF 4,150,000.-
Back to object

Finance your dream!

Financing

Purchase price
CHF 4,150,000.-
Own capital (20%)
CHF 830,000.-
Hypothec (80%)
CHF 3,320,000.-
Mortgage 2nd rank (15%)
CHF 622,500.-
Mortgage 1st rank (65%)
CHF 2,697,500.-
Plan de travail 1
The share of equity is sufficient to allow the financing of this property.
Plan de travail 1
Please note that the share of equity is below the minimum required to finance this property. Please contact your bank to find a financing solution.
Plan de travail 2
The share of equity does not allow the financing of this property.

Financing

Own capital

+ CHF 185,090.- fees

Price

Price of object CHF 4,150,000.-

Total purchase price

CHF 4,150,000.-
Acquisition costs
% CHF 83,000.-
Transfer costs
% CHF 62,250.-
Expenses of creation of mortgage file
% CHF 39,840.-

Total acquisition

CHF 4,335,090.-

Financial capacity

Annual income (100%)
CHF 226,364.-
Annual cost (73%)
6225
Theoretical costs (73%)
6225
Plan de travail 1
Very well, your financial capacity (ratio between expenses and income) is within the recommended limits.
Plan de travail 1
Be careful, your financial capacity (ratio between expenses and income) is close to the recommended limit. Please contact your bank to make sure that financing is possible.
Plan de travail 2
Your financial capacity (ratio between expenses and income) is below the recommended limit and therefore does not allow you to support the expenses related to the financing of this object.

Income

Annual incomes

Annual Costs

Rates
Mortgage interest 1st rank
2.50%
CHF 67,438.-
Mortgage interest 2nd rank
3.75%
CHF 23,344.-
Mortgage interest CHF 90,782.-
Amortization mortgage 1st rank
1.00%
CHF 26,975.-
Amortization mortgage 2nd rank
1.00%
CHF 6,225.-
Total mortgage amortization CHF 33,200.-
Running/maintenance costs 1 % CHF 41,500.-
Charges amount (CO) CHF 0.-
Renovation fund participation CHF 0.-
Life estate annuity CHF 0.-
Surface right annuity CHF 0.-
Total charges CHF 41,500.-

Total per year

CHF 165,482.-

Total per month

CHF 13,790.-
Remarks:
- Theoretically, the total amount of the housing-related costs shouldn't exceed 33% of your total income.
- Borrower is required to supply at least 10% of the lending value of the property from their own funds, which may not be obtained by pledging or early withdrawal of Pillar 2 assets.

From 1st September 2014 (New Guidelines of the SBA):
- Mortgages must in all cases be paid down to two thirds of the lending value within a maximum of 15 years. (until now 20 years)
- The lending value of real estate will be based on the market value or the purchase price, whichever is lower.
- Second incomes are now normally eligible only in the case of joint and several liability.

This financial plan doesn't have contractual value. It is at your disposal as an indication only and subject to confirmation from your Bank.