Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Class-A office floor, Flon
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
-5762
10-yr return
56%
Net cashflow / mo
-5762
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
3965700 CHF
Down payment (30%)
1189710 CHF
Acquisition fees (4.0%)
158628 CHF
Mortgage principal
2775990 CHF
Total cash-in at close
1348338 CHF
🏦 Financing
Loan amount
2775990 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
12314 CHF
Annual debt service
147771 CHF
📊 Year-1 operating P&L
Gross rent
+122937
Operating costs (18%)
−22129
Net operating income (NOI)
100808
− Debt service
−147771
− Income tax (22%)
−22178
Net cashflow
-69140 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 122937 | 22129 | -69140 | 4025186 | 1331241 |
| Y2 | 124781 | 22461 | -67961 | 4085563 | 1475655 |
| Y3 | 126652 | 22797 | -66764 | 4146847 | 1623014 |
| Y4 | 128552 | 23139 | -65549 | 4209049 | 1773381 |
| Y5 | 130481 | 23487 | -64315 | 4272185 | 1926820 |
| Y6 | 132438 | 23839 | -63063 | 4336268 | 2083398 |
| Y7 | 134424 | 24196 | -61793 | 4401312 | 2243181 |
| Y8 | 136441 | 24559 | -60503 | 4467332 | 2406239 |
| Y9 | 138487 | 24928 | -59194 | 4534342 | 2572642 |
| Y10 | 140565 | 25302 | -57865 | 4602357 | 2742462 |
| Σ 10y | Cumulative net cashflow | -636148 | Equity at exit | 2742462 | |
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.