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Exterior view
Interior view 1
Interior view 2
Interior view 3
Interior view 4
Interior view 5
Interior view 6
Location plan 1
Location plan 2
Picture

Opportunity to be seized, for a first purchase or for an investor.

CHF 295,000.-

centre ville, Ste-Croix

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Finance your dream!

Financing

Purchase price
CHF 295,000.-
Own capital (20%)
CHF 59,000.-
Hypothec (80%)
CHF 236,000.-
Mortgage 2nd rank (13.4%)
CHF 39,530.-
Mortgage 1st rank (66.6%)
CHF 196,470.-
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 14,396.- fees

Price

Price of object CHF 295,000.-

Total purchase price

CHF 295,000.-
Acquisition costs
% CHF 3,245.-
Transfer costs
% CHF 9,735.-
Expenses of creation of mortgage file
% CHF 1,416.-

Total acquisition

CHF 309,396.-

Financial capacity

Annual income (100%)
CHF 52,691.-
Annual cost (20%)
1449
Theoretical costs (20%)
1449
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
2.00%
CHF 3,929.-
Mortgage interest 2nd rank
2.00%
CHF 791.-
Mortgage interest CHF 4,720.-
Amortization mortgage 1st rank
0.00%
CHF 0.-
Amortization mortgage 2nd rank
6.67%
CHF 2,637.-
Total mortgage amortization CHF 2,637.-
Running/maintenance costs 1 % CHF 2,950.-
Charges amount (CO) CHF 0.-
Renovation fund participation CHF 0.-
Life estate annuity CHF 0.-
Surface right annuity CHF 0.-
Total charges CHF 2,950.-

Total per year

CHF 10,307.-

Total per month

CHF 859.-
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.