Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Boutique residence in Pâquis · Ref 9727
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
-2226
10-yr return
52%
Net cashflow / mo
-2226
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
1427300 CHF
Down payment (30%)
428190 CHF
Acquisition fees (4.0%)
57092 CHF
Mortgage principal
999110 CHF
Total cash-in at close
485282 CHF
🏦 Financing
Loan amount
999110 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
4432 CHF
Annual debt service
53184 CHF
📊 Year-1 operating P&L
Gross rent
+41392
Operating costs (18%)
−7451
Net operating income (NOI)
33941
− Debt service
−53184
− Income tax (22%)
−7467
Net cashflow
-26710 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 41392 | 7451 | -26710 | 1448710 | 479129 |
| Y2 | 42013 | 7562 | -26313 | 1470440 | 531105 |
| Y3 | 42643 | 7676 | -25910 | 1492497 | 584141 |
| Y4 | 43282 | 7791 | -25501 | 1514884 | 638260 |
| Y5 | 43932 | 7908 | -25086 | 1537607 | 693484 |
| Y6 | 44591 | 8026 | -24664 | 1560672 | 749838 |
| Y7 | 45259 | 8147 | -24236 | 1584082 | 807346 |
| Y8 | 45938 | 8269 | -23802 | 1607843 | 866033 |
| Y9 | 46627 | 8393 | -23361 | 1631961 | 925923 |
| Y10 | 47327 | 8519 | -22914 | 1656440 | 987043 |
| Σ 10y | Cumulative net cashflow | -248498 | Equity at exit | 987043 | |
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.