A quick calculator to get the return on investment of an real estate object in Switzerland based on purchase price and rental income.
| Descriptions | Values | Notes |
|---|---|---|
| Price of the property | CHF | Buying price, without notary fees. |
| Buying fees in % of property price | % (- CHF) | Fees such as notary fees, act of purchase, transfer duties, etc. more infos |
| Down payment in % of purchase price | % | 20% is the minimum (2022). |
| Down payment | - CHF | Down payment to obtain a mortgage. This is considered the investment value for further calculations. |
| Mortgage | - CHF | What the bank lends you. |
| Net monthly rental return | CHF | Estimation of the net monthly rental return. |
| Net yearly rental return | - CHF | Amount of rent net on a year. |
| Gross return on investment | - % | Expressed in percent of down payment |
| Operating expenses in % of purchase price | % (- CHF) |
Property insurance, maintenance, depreciation, administration, vacancy, etc. |
| Return after operating expenses | - % | Expressed in percent of down payment |
| Interest of mortgage | % (- CHF) | Secured interest with the bank |
| Charge of interest in % of down payment | - % | |
| Net return after interest payments | - % | Expressed in percent of down payment |
| Property tax in ‰ of property price | ‰ (- CHF) |
This tax depends on the canton, or even the commune. E.g. (VD: 1,5‰, NE: 2,4‰) ZH, SZ, GL, ZG, SO, BL et AG take no property taxes. More infos |
| Taxable rental return |
- CHF
I will live here
|
The net yearly rental return - (interest + 10% of rental value). If you live in your own property the taxable rental value might be further reduced (~70% of real). More infos |
| Taxes on rental return | % (- CHF) | Enter here your estimated revenue taxes. |
| Net return | - % | Expressed in percent of down payment. |
| Yearly speculative capital appreciation in % of purchase price | % (- CHF) | Based on historical Real Residential Property Prices. Based on Residential Property Prices (not CPI adjusted) this value is closer to 3.5% |
| Net return with capital appreciation | - % | Expressed in percent of down payment. |
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