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Duo Grande in Kollbrunn ZH

Spacious semi-detached house with 6 1/2 rooms and a gross floor area of 185 m2 each.

Total investment capital (rounded):

Duo Grande house (cave incl.)CHF 489,147
Land in Kollbrunn (ZH) incl. change of ownership costs and connection 1CHF 484,800
Related work 2CHF 52,050
Ancillary building costs 3CHF 23,750
TotalCHF 1,049,747

Financing:

Investment capitalCHF 1,049,747
Equity capital 20%CHF 209,949
Effective mortgageCHF 839,798
1st fixed-rate mortgage 10 years*1.540%CHF 699,832CHF 10,777
2nd fixed-rate mortgage 5 years*1.120%CHF 139,966CHF 1,568
Amortisation of 2nd mortgage**15 years CHF 9,331
Running costs 40.75% CHF 7,873
Total overall cost per year  CHF 29,549
Total interest cost per year  CHF 12,345
Total cost per monthCHF 2,462
Interest cost per monthCHF 1,029

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)