Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Penthouse-style apartment, Ouchy · Ref 6121
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
-2966
10-yr return
56%
Net cashflow / mo
-2966
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
2041200 CHF
Down payment (30%)
612360 CHF
Acquisition fees (4.0%)
81648 CHF
Mortgage principal
1428840 CHF
Total cash-in at close
694008 CHF
🏦 Financing
Loan amount
1428840 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
6338 CHF
Annual debt service
76060 CHF
📊 Year-1 operating P&L
Gross rent
+63277
Operating costs (18%)
−11390
Net operating income (NOI)
51887
− Debt service
−76060
− Income tax (22%)
−11415
Net cashflow
-35587 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 63277 | 11390 | -35587 | 2071818 | 685208 |
| Y2 | 64226 | 11561 | -34980 | 2102895 | 759540 |
| Y3 | 65190 | 11734 | -34364 | 2134439 | 835387 |
| Y4 | 66168 | 11910 | -33739 | 2166455 | 912783 |
| Y5 | 67160 | 12089 | -33104 | 2198952 | 991761 |
| Y6 | 68168 | 12270 | -32460 | 2231936 | 1072353 |
| Y7 | 69190 | 12454 | -31806 | 2265415 | 1154596 |
| Y8 | 70228 | 12641 | -31142 | 2299397 | 1238524 |
| Y9 | 71281 | 12831 | -30468 | 2333888 | 1324174 |
| Y10 | 72351 | 13023 | -29784 | 2368896 | 1411583 |
| Σ 10y | Cumulative net cashflow | -327434 | Equity at exit | 1411583 | |
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.