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 1||CHF 240,000|
|Related work 2||CHF 75,800|
|Ancillary building costs 3||CHF 47,250|
|Investment capital||CHF 744,326|
|Equity capital 20%||CHF 148,865|
|Effective mortgage||CHF 595,461|
|1st fixed-rate mortgage 10 years*||1.540%||CHF 496,218||CHF 7,642|
|2nd fixed-rate mortgage 5 years*||1.120%||CHF 99,243||CHF 1,112|
|Amortisation of 2nd mortgage**||15 years||CHF 6,616|
|Running costs 4||0.75%||CHF 5,582|
|Total overall cost per year||CHF 20,952|
|Total interest cost per year||CHF 8,753|
|Total cost per month||CHF 1,746|
|Interest cost per month||CHF 729|
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)