Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Penthouse-style apartment, 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
-3796
10-yr return
52%
Net cashflow / mo
-3796
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
2434400 CHF
Down payment (30%)
730320 CHF
Acquisition fees (4.0%)
97376 CHF
Mortgage principal
1704080 CHF
Total cash-in at close
827696 CHF
🏦 Financing
Loan amount
1704080 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
7559 CHF
Annual debt service
90711 CHF
📊 Year-1 operating P&L
Gross rent
+70598
Operating costs (18%)
−12708
Net operating income (NOI)
57890
− Debt service
−90711
− Income tax (22%)
−12736
Net cashflow
-45557 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 70598 | 12708 | -45557 | 2470916 | 817201 |
| Y2 | 71657 | 12898 | -44879 | 2507980 | 905851 |
| Y3 | 72731 | 13092 | -44192 | 2545599 | 996310 |
| Y4 | 73822 | 13288 | -43494 | 2583783 | 1088614 |
| Y5 | 74930 | 13487 | -42786 | 2622540 | 1182805 |
| Y6 | 76054 | 13690 | -42067 | 2661878 | 1278923 |
| Y7 | 77194 | 13895 | -41337 | 2701806 | 1377008 |
| Y8 | 78352 | 14103 | -40597 | 2742334 | 1477103 |
| Y9 | 79528 | 14315 | -39845 | 2783469 | 1579252 |
| Y10 | 80721 | 14530 | -39082 | 2825221 | 1683498 |
| Σ 10y | Cumulative net cashflow | -423837 | Equity at exit | 1683498 | |
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.