Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Bright pied-à-terre in Champel
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
-2920
10-yr return
52%
Net cashflow / mo
-2920
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
1872500 CHF
Down payment (30%)
561750 CHF
Acquisition fees (4.0%)
74900 CHF
Mortgage principal
1310750 CHF
Total cash-in at close
636650 CHF
🏦 Financing
Loan amount
1310750 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
5814 CHF
Annual debt service
69773 CHF
📊 Year-1 operating P&L
Gross rent
+54303
Operating costs (18%)
−9774
Net operating income (NOI)
44528
− Debt service
−69773
− Income tax (22%)
−9796
Net cashflow
-35042 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 54303 | 9774 | -35042 | 1900588 | 628577 |
| Y2 | 55117 | 9921 | -34521 | 1929096 | 696766 |
| Y3 | 55944 | 10070 | -33992 | 1958033 | 766345 |
| Y4 | 56783 | 10221 | -33455 | 1987403 | 837344 |
| Y5 | 57635 | 10374 | -32910 | 2017214 | 909794 |
| Y6 | 58499 | 10530 | -32357 | 2047473 | 983726 |
| Y7 | 59377 | 10688 | -31796 | 2078185 | 1059172 |
| Y8 | 60267 | 10848 | -31226 | 2109357 | 1136163 |
| Y9 | 61171 | 11011 | -30648 | 2140998 | 1214734 |
| Y10 | 62089 | 11176 | -30061 | 2173113 | 1294919 |
| Σ 10y | Cumulative net cashflow | -326008 | Equity at exit | 1294919 | |
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.