MortgageCalc Logo
MortgageCalc

Switzerland Mortgage Calculator

Calculate your mortgage payments for Swiss properties with strict affordability rules and pension fund options

Loan Details
Enter your mortgage information to get accurate calculations

CHF 300’000

20.0% of home price (CHF 60’000)

Additional Costs
Monthly expenses beyond mortgage

CHF 3’000

CHF 1’200

Required if down payment < 20% (CHF 0)

CHF 0

Extra Payments
Pay off your mortgage faster

Monthly Payment

CHF 1’517

Principal & Interest

Total Monthly

CHF 1’867

Including all costs

Total Interest

CHF 306’107

Over life of loan

Total Cost

CHF 546’107

Principal + Interest

Payment Breakdown

Total Cost

CHF 546’107
Over 30 years

Principal

CHF 240’000
43.9% of total

Interest

CHF 306’107
56.1% of total

Payment Breakdown

Principal43.9%
CHF 240’000
Interest56.1%
CHF 306’107
Interest vs Principal Ratio
You'll pay 56% in interest
That's CHF 66’107 more than the original loan amount
Amortization Schedule
See how your loan balance decreases over time
YearPaymentPrincipalInterestBalance
1CHF 1’517CHF 217CHF 1’300CHF 239’783
1CHF 1’517CHF 230CHF 1’287CHF 237’317
2CHF 1’517CHF 246CHF 1’271CHF 234’455
3CHF 1’517CHF 262CHF 1’255CHF 231’401
4CHF 1’517CHF 280CHF 1’237CHF 228’143
5CHF 1’517CHF 298CHF 1’219CHF 224’666
6CHF 1’517CHF 318CHF 1’199CHF 220’957
7CHF 1’517CHF 340CHF 1’177CHF 216’999
8CHF 1’517CHF 362CHF 1’155CHF 212’776
9CHF 1’517CHF 387CHF 1’130CHF 208’270
10CHF 1’517CHF 413CHF 1’104CHF 203’463
11CHF 1’517CHF 440CHF 1’077CHF 198’333
12CHF 1’517CHF 470CHF 1’047CHF 192’860
13CHF 1’517CHF 501CHF 1’016CHF 187’021
14CHF 1’517CHF 535CHF 982CHF 180’790
15CHF 1’517CHF 571CHF 946CHF 174’142
16CHF 1’517CHF 609CHF 908CHF 167’049
17CHF 1’517CHF 650CHF 867CHF 159’481
18CHF 1’517CHF 693CHF 824CHF 151’405
19CHF 1’517CHF 740CHF 777CHF 142’790
20CHF 1’517CHF 789CHF 728CHF 133’597
21CHF 1’517CHF 842CHF 675CHF 123’788
22CHF 1’517CHF 898CHF 619CHF 113’323
23CHF 1’517CHF 958CHF 559CHF 102’156
24CHF 1’517CHF 1’023CHF 494CHF 90’242
25CHF 1’517CHF 1’091CHF 426CHF 77’530
26CHF 1’517CHF 1’164CHF 353CHF 63’967
27CHF 1’517CHF 1’242CHF 275CHF 49’495
28CHF 1’517CHF 1’325CHF 192CHF 34’054
29CHF 1’517CHF 1’414CHF 103CHF 17’579
30CHF 1’517CHF 1’509CHF 8CHF 0

Switzerland Mortgage Calculator Guide

Our comprehensive Switzerland mortgage calculator is designed for the highly regulated Swiss property market. Whether you're buying in Zurich, Geneva, or Basel, our calculator accounts for Switzerland's strict affordability rules, mandatory 20% down payment, and unique pension fund (Pillar 2/3) usage options.

Switzerland Mortgage Features

1/3 Affordability Rule:Total costs must not exceed 33% of gross income using 5% imputed rate.
20% Down Payment:Minimum 20% required, with 10% from own funds (not pension).
Amortization Rules:Mandatory amortization to 67% LTV within 15 years for mortgages above 67%.
Pension Fund (Pillar 2/3):Use pension funds for down payment with tax benefits via indirect amortization.
SARON Rates:Swiss Average Rate Overnight replacing LIBOR for variable rates.
Fixed-Rate Options:Fixed rates available for 2-15 years with competitive Swiss rates.

Switzerland Mortgage Market Overview

Switzerland has one of the most regulated mortgage markets in Europe, overseen by FINMA. The strict affordability calculations using a 5% imputed interest rate (even when actual rates are lower) ensure borrowers can handle rate increases. The ability to use pension funds (Pillar 2/3) for down payments and indirect amortization offers tax advantages, making Swiss mortgages unique compared to other countries.