Your Path to Ownership

Renting

Monthly housing cost

—

Total paid to date

CHF 0

Pure expense, no return

Property equity owned

CHF 0

Your ownership share

Monthly breakdown

Net rent (Nettomiete) —

Ancillary costs (Nebenkosten) —

Total (Bruttomiete) —

Traditional Mortgage

—

Monthly housing cost

—

Total paid to date

CHF 0

Interest + amortisation + maintenance

Your equity value

—

Property value breakdown

20%

1st

Equity 2nd mortgage 1st mortgage (fixed)

Monthly breakdown

First mortgage interest (interest-only) —

          Second mortgage payment
          —
        

Maintenance reserve —

Ancillary costs (Nebenkosten) —

Total monthly cost —

Ownership path via TLS

—

Monthly housing cost

—

HCC + Nebenkosten

+ Equity build-up (optional) —

Total incl. optional equity build-up —

Total invested

CHF 0

Includes _PCT_ equity, closing costs, and monthly payments (mandatory to optional)

Your equity value

—

Your ownership share

10.0%

Where your monthly payment goes

Housing cost contribution (HCC) —

Ancillary costs (Nebenkosten) —

Housing cost subtotal —

          Equity build-up (optional) → yours
          —
        

Total incl. optional equity build-up —

What you bring at the start

Traditional Mortgage

Down payment

—

20% of property value

Transaction costs

—

~3% (notary, Grundbuch)

Total at entry

—

~23% of property value

Ownership path via TLS

Your equity

—

10% of property value

Arrangement fee

—

3% of property value

Transaction costs

—

Your share of closing costs

Total at entry

—

~16% of property value

Key assumptions

Property value appreciation: 3% per year nominal (2% real + 1% inflation), based on 25-year Swiss residential averages; all equity values shown are nominal (actual future CHF)
Rent increases: 1% per year, linked to CPI
Market rent yield: 3.2% gross annual on property value (IAZI Swiss average)
Your ownership share grows each year as you acquire additional equity in the property
Affordability cap: 33% of gross household income
Ancillary costs (Nebenkosten): scaled by apartment size (~CHF 3.50/m²/month); applied to both renting and ownership scenarios
Traditional mortgage: fixed rate 2.0%, 65% first mortgage (interest-only), 15% second mortgage (amortised over 15 years), 1% maintenance reserve
Mortgage stress test: imputed at 5% interest + 1% amortisation of purchase price + 1% maintenance, max 33% of income

Interested in an alternative path to ownership?

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For illustrative purposes only. This comparison uses simplified assumptions and representative figures. Actual costs, equity accumulation, and property appreciation will depend on the specific property, location, household circumstances, and prevailing market conditions. This is not a financial offer, projection, or guarantee. Contact us to discuss your specific situation.

What Could Your Path to Ownership Look Like?

Beyond 10 years: your ownership keeps growing

Key assumptions

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Can I actually afford this in my canton?

How affordable is housing in each canton?