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


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


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)