Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Bright pied-à-terre in 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
-6153
10-yr return
50%
Net cashflow / mo
-6153
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
3815200 CHF
Down payment (30%)
1144560 CHF
Acquisition fees (4.0%)
152608 CHF
Mortgage principal
2670640 CHF
Total cash-in at close
1297168 CHF
🏦 Financing
Loan amount
2670640 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
11847 CHF
Annual debt service
142163 CHF
📊 Year-1 operating P&L
Gross rent
+106826
Operating costs (18%)
−19229
Net operating income (NOI)
87597
− Debt service
−142163
− Income tax (22%)
−19271
Net cashflow
-73837 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 106826 | 19229 | -73837 | 3872428 | 1280720 |
| Y2 | 108428 | 19517 | -72812 | 3930514 | 1419653 |
| Y3 | 110054 | 19810 | -71772 | 3989472 | 1561420 |
| Y4 | 111705 | 20107 | -70716 | 4049314 | 1706080 |
| Y5 | 113381 | 20409 | -69644 | 4110054 | 1853697 |
| Y6 | 115082 | 20715 | -68557 | 4171705 | 2004332 |
| Y7 | 116808 | 21025 | -67452 | 4234280 | 2158052 |
| Y8 | 118560 | 21341 | -66332 | 4297795 | 2314921 |
| Y9 | 120338 | 21661 | -65194 | 4362261 | 2475009 |
| Y10 | 122143 | 21986 | -64040 | 4427695 | 2638384 |
| Σ 10y | Cumulative net cashflow | -690356 | Equity at exit | 2638384 | |
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.