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 1||CHF 484,800|
|Related work 2||CHF 52,050|
|Ancillary building costs 3||CHF 23,750|
|Investment capital||CHF 1,049,747|
|Equity capital 20%||CHF 209,949|
|Effective mortgage||CHF 839,798|
|1st fixed-rate mortgage 10 years*||1.540%||CHF 699,832||CHF 10,777|
|2nd fixed-rate mortgage 5 years*||1.120%||CHF 139,966||CHF 1,568|
|Amortisation of 2nd mortgage**||15 years||CHF 9,331|
|Running costs 4||0.75%||CHF 7,873|
|Total overall cost per year||CHF 29,549|
|Total interest cost per year||CHF 12,345|
|Total cost per month||CHF 2,462|
|Interest cost per month||CHF 1,029|
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)