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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 1CHF 575,000
Related work 2CHF 63,000
Ancillary building costs 3CHF 39,000
TotalCHF 1,104,498

Financing:

Investment capitalCHF 1,104,498
Equity capital 20%CHF 220,900
Effective mortgageCHF 883,598
1st fixed-rate mortgage 10 years*1.540%CHF 736,332CHF 11,340
2nd fixed-rate mortgage 5 years*1.120%CHF 147,266CHF 1,649
Amortisation of 2nd mortgage**15 years CHF 9,818
Running costs 40.75% CHF 8,284
Total overall cost per year  CHF 31,090
Total interest cost per year  CHF 12,989
Total cost per monthCHF 2,591
Interest cost per monthCHF 1,082

Comments:

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)