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Planaro in Walperswil BE

Modern flat-roof bungalow with 3 1/2 rooms and a gross floor area of 121 m2.

Total investment capital (rounded):

Planaro house (cave incl.)CHF 381,276
Land in Walperswil (BE) incl. change of ownership costs and connection 1CHF 240,000
Related work 2CHF 75,800
Ancillary building costs 3CHF 47,250
TotalCHF 744,326

Financing:

Investment capitalCHF 744,326
Equity capital 20%CHF 148,865
Effective mortgageCHF 595,461
1st fixed-rate mortgage 10 years*1.540%CHF 496,218CHF 7,642
2nd fixed-rate mortgage 5 years*1.120%CHF 99,243CHF 1,112
Amortisation of 2nd mortgage**15 years CHF 6,616
Running costs 40.75% CHF 5,582
Total overall cost per year  CHF 20,952
Total interest cost per year  CHF 8,753
Total cost per monthCHF 1,746
Interest cost per monthCHF 729

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)