Altea in Montricher VD
Classic-style house with 5 1/2 rooms and a gross floor area of 169 m2.
Total investment capital (rounded):
|Altea house (cave incl.)||CHF 427,498|
|Land in Villeneuve (VD) incl. change of ownership costs and connection 1||CHF 575,000|
|Related work 2||CHF 63,000|
|Ancillary building costs 3||CHF 39,000|
|Investment capital||CHF 1,104,498|
|Equity capital 20%||CHF 220,900|
|Effective mortgage||CHF 883,598|
|1st fixed-rate mortgage 10 years*||1.540%||CHF 736,332||CHF 11,340|
|2nd fixed-rate mortgage 5 years*||1.120%||CHF 147,266||CHF 1,649|
|Amortisation of 2nd mortgage**||15 years||CHF 9,818|
|Running costs 4||0.75%||CHF 8,284|
|Total overall cost per year||CHF 31,090|
|Total interest cost per year||CHF 12,989|
|Total cost per month||CHF 2,591|
|Interest cost per month||CHF 1,082|
This example is based on an actual customer project. No responsibility is accepted for the correctness of the information.
* Source: RAIFFEISEN 15.09.2016
** Positive effect of amortisation on interest costs is not included here.
1 Connection: All utilities (electricity, water, drains, TV, telephone, etc.) and conduits from the house of the plot border
2 Related work: Seating areas, access, lawns, landscaping, etc.
3 Ancillary building costs: Permit fees, surveys, connection fees, insurance and building loan interest
4 Running costs: Operating costs (heating oil, gas, electricity, wood, etc.), public levies (water, waste, property tax, etc.), insurance (liability, fire, etc.), maintenance (repairs, garden and surroundings)