Skip to main content

Country or region

Switzerland · CHF

Switching keeps your loan term and resets the amounts to that market's example. Use your browser's Back button to undo.

HomeCalc

Mortgage calculator for Switzerland

See what you pay each month, and how the payment moves when the rate changes.

No local legal figures for Switzerland

HomeCalc has no data on fees, taxes or lending limits in Switzerland. The loan maths and CHF formatting still work. Every fee starts at 0: enter your own, then check them with your lender or a local adviser.

Your loan

Example values: replace them with your own.

CHF
CHF
20% of the price · Loan CHF 608,000.00
years
240 months
Interest rates
%
months
%
Base rate plus margin, as your bank quotes it
Repayment method

The same payment every month within each rate period

Prepayment
CHF
%
Default in month 24: 0% of the amount prepaid. Change it to match your loan contract.
After prepaying

Results

Monthly payment

CHF 3,075.77

Switzerland · CHF · Basic: fees entered by you

Highest payment
CHF 3,076.00
Total interest
CHF 130,185.03
Total paidPrincipal plus interest
CHF 738,185.03

Note

HomeCalc works out the loan and adds up the fees you enter. It provides no legal figures for Switzerland: no fees, taxes or lending limits. It is not financial, legal or tax advice. Before you decide, check every figure with your lender or a licensed adviser in Switzerland. This site never stores the numbers you enter; they live only in the page address.

The monthly rate is the annual rate spread evenly over the months; amounts are rounded to the smallest unit of CHF. Lenders in Switzerland may work out interest differently.

The link carries only the numbers you entered. The site keeps no copy of them.

Next: home-buying costs

Interest and principal by year

  • Interest
  • Principal
  • Monthly payment
Interest and principal by yearStacked bars for 20 years showing interest and principal paid each year, with a line for the monthly payment, starting at CHF 3,075.77. Exact figures are in the schedule table.Year 1: interest CHF 11,931.86, principal CHF 24,977.38Year 2: interest CHF 11,427.71, principal CHF 25,481.53Year 3: interest CHF 10,913.39, principal CHF 25,995.85Year 4: interest CHF 10,388.68, principal CHF 26,520.56Year 5: interest CHF 9,853.37, principal CHF 27,055.87Year 6: interest CHF 9,307.27, principal CHF 27,601.97Year 7: interest CHF 8,750.15, principal CHF 28,159.09Year 8: interest CHF 8,181.80, principal CHF 28,727.44Year 9: interest CHF 7,601.94, principal CHF 29,307.30Year 10: interest CHF 7,010.37, principal CHF 29,898.87Year 11: interest CHF 6,406.88, principal CHF 30,502.36Year 12: interest CHF 5,791.21, principal CHF 31,118.03Year 13: interest CHF 5,163.11, principal CHF 31,746.13Year 14: interest CHF 4,522.35, principal CHF 32,386.89Year 15: interest CHF 3,868.64, principal CHF 33,040.60Year 16: interest CHF 3,201.75, principal CHF 33,707.49Year 17: interest CHF 2,521.37, principal CHF 34,387.87Year 18: interest CHF 1,827.26, principal CHF 35,081.98Year 19: interest CHF 1,119.16, principal CHF 35,790.08Year 20: interest CHF 396.76, principal CHF 36,512.71per yearper month10,00020,00030,00040,0001,5003,0004,500Year 55Year 1010Year 1515Year 2020

Year

Show what happens if rates rise

If the floating rate rises

The promotional period stays the same; only the floating rate goes up.

Show yearly schedule

Yearly schedule

Scroll sideways to see the whole table