Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Class-A office floor, Ouchy
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
-4219
10-yr return
56%
Net cashflow / mo
-4219
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
2904200 CHF
Down payment (30%)
871260 CHF
Acquisition fees (4.0%)
116168 CHF
Mortgage principal
2032940 CHF
Total cash-in at close
987428 CHF
🏦 Financing
Loan amount
2032940 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
9018 CHF
Annual debt service
108217 CHF
📊 Year-1 operating P&L
Gross rent
+90030
Operating costs (18%)
−16205
Net operating income (NOI)
73825
− Debt service
−108217
− Income tax (22%)
−16241
Net cashflow
-50633 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 90030 | 16205 | -50633 | 2947763 | 974907 |
| Y2 | 91381 | 16449 | -49770 | 2991979 | 1080666 |
| Y3 | 92751 | 16695 | -48893 | 3036859 | 1188581 |
| Y4 | 94143 | 16946 | -48003 | 3082412 | 1298700 |
| Y5 | 95555 | 17200 | -47100 | 3128648 | 1411068 |
| Y6 | 96988 | 17458 | -46183 | 3175578 | 1525734 |
| Y7 | 98443 | 17720 | -45253 | 3223212 | 1642748 |
| Y8 | 99920 | 17986 | -44308 | 3271560 | 1762160 |
| Y9 | 101418 | 18255 | -43350 | 3320633 | 1884022 |
| Y10 | 102940 | 18529 | -42377 | 3370443 | 2008386 |
| Σ 10y | Cumulative net cashflow | -465870 | Equity at exit | 2008386 | |
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.