Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
3-bed apartment, 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
-3058
10-yr return
50%
Net cashflow / mo
-3058
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
1896400 CHF
Down payment (30%)
568920 CHF
Acquisition fees (4.0%)
75856 CHF
Mortgage principal
1327480 CHF
Total cash-in at close
644776 CHF
🏦 Financing
Loan amount
1327480 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
5889 CHF
Annual debt service
70664 CHF
📊 Year-1 operating P&L
Gross rent
+53099
Operating costs (18%)
−9558
Net operating income (NOI)
43541
− Debt service
−70664
− Income tax (22%)
−9579
Net cashflow
-36702 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 53099 | 9558 | -36702 | 1924846 | 636600 |
| Y2 | 53896 | 9701 | -36192 | 1953719 | 705659 |
| Y3 | 54704 | 9847 | -35675 | 1983024 | 776126 |
| Y4 | 55525 | 9994 | -35150 | 2012770 | 848032 |
| Y5 | 56358 | 10144 | -34618 | 2042961 | 921407 |
| Y6 | 57203 | 10297 | -34077 | 2073606 | 996282 |
| Y7 | 58061 | 10451 | -33528 | 2104710 | 1072691 |
| Y8 | 58932 | 10608 | -32971 | 2136281 | 1150665 |
| Y9 | 59816 | 10767 | -32406 | 2168325 | 1230239 |
| Y10 | 60713 | 10928 | -31832 | 2200850 | 1311447 |
| Σ 10y | Cumulative net cashflow | -343151 | Equity at exit | 1311447 | |
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.