Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Bright pied-à-terre in 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
-5843
10-yr return
52%
Net cashflow / mo
-5843
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
3747000 CHF
Down payment (30%)
1124100 CHF
Acquisition fees (4.0%)
149880 CHF
Mortgage principal
2622900 CHF
Total cash-in at close
1273980 CHF
🏦 Financing
Loan amount
2622900 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
11635 CHF
Annual debt service
139621 CHF
📊 Year-1 operating P&L
Gross rent
+108663
Operating costs (18%)
−19559
Net operating income (NOI)
89104
− Debt service
−139621
− Income tax (22%)
−19603
Net cashflow
-70120 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 108663 | 19559 | -70120 | 3803205 | 1257826 |
| Y2 | 110293 | 19853 | -69078 | 3860253 | 1394276 |
| Y3 | 111947 | 20151 | -68020 | 3918157 | 1533508 |
| Y4 | 113627 | 20453 | -66946 | 3976929 | 1675583 |
| Y5 | 115331 | 20760 | -65856 | 4036583 | 1820560 |
| Y6 | 117061 | 21071 | -64749 | 4097132 | 1968503 |
| Y7 | 118817 | 21387 | -63626 | 4158589 | 2119474 |
| Y8 | 120599 | 21708 | -62486 | 4220968 | 2273540 |
| Y9 | 122408 | 22033 | -61329 | 4284282 | 2430766 |
| Y10 | 124244 | 22364 | -60155 | 4348546 | 2591221 |
| Σ 10y | Cumulative net cashflow | -652365 | Equity at exit | 2591221 | |
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.