Affordability calculator

Before you take out a mortgage, it is always good advice to get an idea of how much debt you can actually afford to carry. Using the affordability calculator, it takes just a few seconds to learn how much financial scope and flexibility you have. The affordability value indicates how much of a financial load a mortgage would be as a percentage of your income. A rule of thumb is: these expenses should not exceed one-third of your income, just as the case when paying rent. The Affordability Calculator helps you get a rough idea of your situation, but it is not a guarantee of a binding assessment.

More information on the mortgage calculator

With this helpful online mortgage calculator, you can easily work out whether you can afford to finance the home you’d like to buy. Ideally, the loan-to-value ratio shouldn’t exceed 80%, which means that you would need to put forward a deposit of at least 20% of the purchase price. Pension assets from the 2nd or 3rd pillar can also be used for the deposit. Combined with the maintenance and additional costs, the mortgage interest rates should not exceed one third (33%) of your gross annual income.

The affordability calculator is a tool to help give you an idea of what you can afford; however, it does not provide a binding evaluation.

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