Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Class-A office floor, Pâquis
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
2.4%
Cashflow / mo
-6496
10-yr return
52%
Net cashflow / mo
-6496
CHF · after debt service & taxes
Cap rate
2.4%
NOI ÷ asking price
Cash-on-cash
-5.5%
Year-1 cashflow ÷ cash-in
10-yr total return
52%
4.3% annualised
💼 Acquisition
Asking price
4165400 CHF
Down payment (30%)
1249620 CHF
Acquisition fees (4.0%)
166616 CHF
Mortgage principal
2915780 CHF
Total cash-in at close
1416236 CHF
🏦 Financing
Loan amount
2915780 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
12934 CHF
Annual debt service
155212 CHF
📊 Year-1 operating P&L
Gross rent
+120797
Operating costs (18%)
−21743
Net operating income (NOI)
99053
− Debt service
−155212
− Income tax (22%)
−21792
Net cashflow
-77950 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 120797 | 21743 | -77950 | 4227881 | 1398278 |
| Y2 | 122609 | 22070 | -76791 | 4291299 | 1549964 |
| Y3 | 124448 | 22401 | -75615 | 4355669 | 1704744 |
| Y4 | 126314 | 22737 | -74421 | 4421004 | 1862683 |
| Y5 | 128209 | 23078 | -73209 | 4487319 | 2023849 |
| Y6 | 130132 | 23424 | -71979 | 4554629 | 2188311 |
| Y7 | 132084 | 23775 | -70731 | 4622948 | 2356141 |
| Y8 | 134065 | 24132 | -69464 | 4692292 | 2527410 |
| Y9 | 136076 | 24494 | -68177 | 4762677 | 2702192 |
| Y10 | 138118 | 24861 | -66872 | 4834117 | 2880564 |
| Σ 10y | Cumulative net cashflow | -725210 | Equity at exit | 2880564 | |
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.