Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Penthouse-style apartment, Flon
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
2.5%
Cashflow / mo
-5068
10-yr return
56%
Net cashflow / mo
-5068
CHF · after debt service & taxes
Cap rate
2.5%
NOI ÷ asking price
Cash-on-cash
-5.1%
Year-1 cashflow ÷ cash-in
10-yr total return
56%
4.6% annualised
💼 Acquisition
Asking price
3488000 CHF
Down payment (30%)
1046400 CHF
Acquisition fees (4.0%)
139520 CHF
Mortgage principal
2441600 CHF
Total cash-in at close
1185920 CHF
🏦 Financing
Loan amount
2441600 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
10831 CHF
Annual debt service
129970 CHF
📊 Year-1 operating P&L
Gross rent
+108128
Operating costs (18%)
−19463
Net operating income (NOI)
88665
− Debt service
−129970
− Income tax (22%)
−19506
Net cashflow
-60812 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 108128 | 19463 | -60812 | 3540320 | 1170882 |
| Y2 | 109750 | 19755 | -59774 | 3593425 | 1297901 |
| Y3 | 111396 | 20051 | -58721 | 3647326 | 1427509 |
| Y4 | 113067 | 20352 | -57653 | 3702036 | 1559763 |
| Y5 | 114763 | 20657 | -56568 | 3757567 | 1694719 |
| Y6 | 116485 | 20967 | -55467 | 3813930 | 1832436 |
| Y7 | 118232 | 21282 | -54349 | 3871139 | 1972972 |
| Y8 | 120005 | 21601 | -53215 | 3929206 | 2116389 |
| Y9 | 121805 | 21925 | -52064 | 3988144 | 2262747 |
| Y10 | 123632 | 22254 | -50895 | 4047966 | 2412111 |
| Σ 10y | Cumulative net cashflow | -559518 | Equity at exit | 2412111 | |
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.