Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Class-A office floor, Seefeld · Ref 8714
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
-5962
10-yr return
50%
Net cashflow / mo
-5962
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
3696700 CHF
Down payment (30%)
1109010 CHF
Acquisition fees (4.0%)
147868 CHF
Mortgage principal
2587690 CHF
Total cash-in at close
1256878 CHF
🏦 Financing
Loan amount
2587690 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
11479 CHF
Annual debt service
137747 CHF
📊 Year-1 operating P&L
Gross rent
+103508
Operating costs (18%)
−18631
Net operating income (NOI)
84876
− Debt service
−137747
− Income tax (22%)
−18673
Net cashflow
-71544 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 103508 | 18631 | -71544 | 3752151 | 1240941 |
| Y2 | 105060 | 18911 | -70551 | 3808433 | 1375559 |
| Y3 | 106636 | 19195 | -69543 | 3865559 | 1512922 |
| Y4 | 108236 | 19482 | -68520 | 3923543 | 1653090 |
| Y5 | 109859 | 19775 | -67481 | 3982396 | 1796121 |
| Y6 | 111507 | 20071 | -66427 | 4042132 | 1942078 |
| Y7 | 113180 | 20372 | -65357 | 4102764 | 2091023 |
| Y8 | 114877 | 20678 | -64271 | 4164305 | 2243020 |
| Y9 | 116601 | 20988 | -63169 | 4226770 | 2398135 |
| Y10 | 118350 | 21303 | -62051 | 4290171 | 2556436 |
| Σ 10y | Cumulative net cashflow | -668913 | Equity at exit | 2556436 | |
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.