Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Bright pied-à-terre in Wiedikon · Ref 6386
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
-2118
10-yr return
50%
Net cashflow / mo
-2118
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
1313300 CHF
Down payment (30%)
393990 CHF
Acquisition fees (4.0%)
52532 CHF
Mortgage principal
919310 CHF
Total cash-in at close
446522 CHF
🏦 Financing
Loan amount
919310 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
4078 CHF
Annual debt service
48936 CHF
📊 Year-1 operating P&L
Gross rent
+36772
Operating costs (18%)
−6619
Net operating income (NOI)
30153
− Debt service
−48936
− Income tax (22%)
−6634
Net cashflow
-25417 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 36772 | 6619 | -25417 | 1333000 | 440860 |
| Y2 | 37324 | 6718 | -25064 | 1352994 | 488685 |
| Y3 | 37884 | 6819 | -24706 | 1373289 | 537485 |
| Y4 | 38452 | 6921 | -24342 | 1393889 | 587281 |
| Y5 | 39029 | 7025 | -23974 | 1414797 | 638095 |
| Y6 | 39614 | 7131 | -23599 | 1436019 | 689948 |
| Y7 | 40209 | 7238 | -23219 | 1457559 | 742863 |
| Y8 | 40812 | 7346 | -22833 | 1479423 | 796862 |
| Y9 | 41424 | 7456 | -22442 | 1501614 | 851968 |
| Y10 | 42045 | 7568 | -22044 | 1524138 | 908207 |
| Σ 10y | Cumulative net cashflow | -237640 | Equity at exit | 908207 | |
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.