Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Class-A office floor, Wiedikon
Tweak any input — down payment, mortgage rate, hold horizon — and the projection refreshes instantly. Country-specific tax and fee schedules are baked in; the formula is documented on the methodology page.
Cap rate
2.3%
Cashflow / mo
-8159
10-yr return
50%
Net cashflow / mo
-8159
CHF · after debt service & taxes
Cap rate
2.3%
NOI ÷ asking price
Cash-on-cash
-5.7%
Year-1 cashflow ÷ cash-in
10-yr total return
50%
4.2% annualised
💼 Acquisition
Asking price
5058800 CHF
Down payment (30%)
1517640 CHF
Acquisition fees (4.0%)
202352 CHF
Mortgage principal
3541160 CHF
Total cash-in at close
1719992 CHF
🏦 Financing
Loan amount
3541160 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
15708 CHF
Annual debt service
188502 CHF
📊 Year-1 operating P&L
Gross rent
+141646
Operating costs (18%)
−25496
Net operating income (NOI)
116150
− Debt service
−188502
− Income tax (22%)
−25553
Net cashflow
-97905 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 141646 | 25496 | -97905 | 5134682 | 1698182 |
| Y2 | 143771 | 25879 | -96546 | 5211702 | 1882403 |
| Y3 | 145928 | 26267 | -95167 | 5289878 | 2070379 |
| Y4 | 148117 | 26661 | -93767 | 5369226 | 2262193 |
| Y5 | 150338 | 27061 | -92345 | 5449764 | 2457926 |
| Y6 | 152593 | 27467 | -90903 | 5531511 | 2657663 |
| Y7 | 154882 | 27879 | -89439 | 5614483 | 2861489 |
| Y8 | 157206 | 28297 | -87953 | 5698701 | 3069492 |
| Y9 | 159564 | 28721 | -86445 | 5784181 | 3281762 |
| Y10 | 161957 | 29152 | -84914 | 5870944 | 3498390 |
| Σ 10y | Cumulative net cashflow | -915384 | Equity at exit | 3498390 | |
Modelling assumptions
- Country baseline: CH — operating costs 18% of gross rent, income tax 22%, capital appreciation 1.5%/yr.
- Projections assume rent grows at the country appreciation rate. Real-world rent growth will diverge.
- Mortgage figures use a constant interest rate for the full term. Re-mortgage events are not modelled.
- Excludes capital-gains tax on exit, currency hedging costs and any local property tax over and above the operating buffer.