Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Penthouse-style apartment, Kreis 1
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
-3619
10-yr return
50%
Net cashflow / mo
-3619
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
2244100 CHF
Down payment (30%)
673230 CHF
Acquisition fees (4.0%)
89764 CHF
Mortgage principal
1570870 CHF
Total cash-in at close
762994 CHF
🏦 Financing
Loan amount
1570870 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
6968 CHF
Annual debt service
83620 CHF
📊 Year-1 operating P&L
Gross rent
+62835
Operating costs (18%)
−11310
Net operating income (NOI)
51525
− Debt service
−83620
− Income tax (22%)
−11335
Net cashflow
-43431 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 62835 | 11310 | -43431 | 2277762 | 753319 |
| Y2 | 63777 | 11480 | -42828 | 2311928 | 835040 |
| Y3 | 64734 | 11652 | -42216 | 2346607 | 918427 |
| Y4 | 65705 | 11827 | -41595 | 2381806 | 1003516 |
| Y5 | 66691 | 12004 | -40965 | 2417533 | 1090344 |
| Y6 | 67691 | 12184 | -40325 | 2453796 | 1178948 |
| Y7 | 68706 | 12367 | -39675 | 2490603 | 1269366 |
| Y8 | 69737 | 12553 | -39016 | 2527962 | 1361636 |
| Y9 | 70783 | 12741 | -38347 | 2565881 | 1455800 |
| Y10 | 71845 | 12932 | -37668 | 2604370 | 1551897 |
| Σ 10y | Cumulative net cashflow | -406067 | Equity at exit | 1551897 | |
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.